Factors Influencing Deposit Mobilization: A Study on Commercial Bank of Ethiopia

The study had looked at the potential of the country regarding deposit mobilization by taking CBE as evidence. The study used time serious secondary data to be collected from Commercial Bank of Ethiopia data base. The study had found variables that can affect the total deposit of commercial banks. Eight variables are regressed with the dependent variable, i.e. total deposit; these variables include Total Loans and Advances, Total Revenue, Total Expense, liquidity, Total Asset, Consumer Price Index, and Operating Expense. The analysis techniques have been chosen suiting the study’s objectives and nature of variables. All these variables are tested using Eviews 20.0 software VAR model. The result of Johansson co-integration test with lags in level shows in the long run Reserve Requirement and Consumer Price Index are negatively affect the Total Deposit in Commercial Bank of Ethiopia whereas the Total Asset, Total Liability and Total Loans and Advance affect Commercial Bank of Ethiopia`s Deposit positively and all are statically significant. Once the variables are co integrated we used the vector error correction (VECM) to determine the short run coefficient. And In the short run, among the given Determinants of Commercial Bank Deposit only Consumer Price Index and The total Loans and Advance are significant and affect the Deposit in Commercial Bank of Ethiopia negatively. Finally the study had recommended what should be done to mobilize more deposits. Keywords: Income, Expense, Asset, Liability, Reserve, Loan and Consumer price index DOI: 10.7176/JESD/12-1-06 Publication date: January 31st 2021

The Effect of Service Quality on Customer Satisfaction: A Study on Four Selected Insurance Companies in Hossana Town, Hadiya Zone, SNNPR, Ethiopia

The liberalization of the economic system in Ethiopia enabled the emergence of private insurance companies and had created competitive environment in the insurance industries. The motives of this study was examiningthe effects of service quality on customer satisfaction in four selected insurance companies of Hosanna town, SNNPR. This research was carried out through cross-sectional survey design and mainly based on data collected through questionnaires. The correlation and multiple regressions were used to analyse collected data. The result of individual companies and total Gap analyses indicates that the mean score of customers’ expectations exceeded perceptions in all five dimensions while, findings suggest that selected insurance companies need to improve all the dimensions of service quality.Therefore,regression analyses responsiveness had relatively strong significant and direct effect on customer satisfaction with beta value of .376 and followed by reliability with beta value of .327, tangibility with beta value of .187, empathy with beta value of .149, and assurance with beta value of .113 respectively.Based on the research results, it is recommended for the selected insurance companies to improve their Service. Keywords: Tangibility, Reliability, Assurance, Responsiveness, Empathy DOI: 10.7176/EJBM/11-22-06 Publication date: August 31st 201

Effect of Bank Specific And Macroeconomic Determinants on Capital Adequacy Ratio A Study on Ethiopian Private Commercial Banks

Capital adequacy implies the conventional assessment of the minimal level of capital, according to certain parameters, which reflect the dimension of banking activity and of related risks, capable to provide a correlation between the supposed obtained benefits and potential loss caused by a certain risk level. Since Capital adequacy ratio (CAR) is the ratio that is set by the regulatory authority in the banking sector, and this ratio can be used to test the health of the banking system. Thus, this study examines the effect of bank specific (Bank Size ,Deposit to Asset Ratio, Loan to Asset Ratio, Loan to Deposit Ratio, Return on Asset, Return on Equity ,Loan Loss Provision)  and macroeconomic determinants (Gross Domestic Product and Inflation) on capital adequacy ratio of Ethiopian Private Commercial Banks. In order to investigate these issues a quantitative method research approach is utilized, by using documentary analysis. More specifically, the study uses five years (2016 – 2020) data for fourteen private commercial banks in Ethiopia. The study used multiple linear regression models to determine the relative importance of each independent variable using OLS to estimate the relationship between CAR its determinants by STATA 13 econometric software. The findings show that bank size, return on equity ,loan to asset ratio affect capital adequacy ratio negatively whereas return on asset ,loan  loss provision  affect capital adequacy ratio positively   .Hence , it is recommended that to be sure that to be sure that bank have adequate adequacy reserve ,commercial bank and national bank of Ethiopia should give attention to the risk associated with bank size ,caring  bank loan and deposit initiating to increase their return on their return on their asset and to manage their equity return. Keywords: Capital adequacy ratio, Ethiopian Private Commercial Banks, Panel data analysis DOI: 10.7176/RJFA/11-21-01 Publication date: November 30th 202

Performance Investigation of a Permanent Magnet DC Machines using Robust Control Technique

In this study, the design and performance investigation of the permanent magnet machines have been done to increase the mechanical and electrical outputs improvement of the systems. A Permanent Magnet DC Motor (PMDM) and Generator (PMDG) have been modelled and designed to improve the angular position and generated current respectively. In this research, augmentation based H2 optimal and H4 synthesis controllers have been designed as a controller for the two systems and a comparison between the proposed controller for tracking a reference inputs and a promising results have been obtained

Loudspeaker Noise Disturbance Control using Optimal and Robust Controllers

Noise reduction is the major issue in the loudspeaker for the application of the musical instruments and related areas. In this study, a noise disturbance control of a loudspeaker with optimal and robust controllers has been done successfully. The noise of the loudspeaker has been analyzed by simply track a reference cone displacement with the actual cone displacement. Static output feedback and H4 optimal loop shaping controllers have been used to compare the actual and reference cone displacements by using a sine wave and random cone displacement signals and a promising results have been analyzed

Decomposition of the Kenticha mangano-tantalite ore by HF/H2SO4 and KOH fusion

In this study, the decomposition behavior of Ta and Nb from the mangano-tantalite ore was investigated using HF/H2SO4 mixture and KOH fusion. The effects of reaction time, decomposition temperature, acid and alkaline concentrations, and particle size on the dissolution process were examined. Higher decomposition rates were achieved at 6:2 mol/dm3 ratio of HF and H2SO4, and with the addition of 10 g KOH in the alkali fusion step. In addition, similar trends in decomposition rates between two agents (HF/H2SO4 and KOH) and comparable dissolution performances were observed. The increase in the decomposition temperature initially increased the decomposition rate of manganotantalite for the two systems considered in this study. However, no significant change in the leaching rate of Ta and Nb was observed beyond 50 °C for the HF/H2SO4 system and above 400 °C when using the KOH fusion process. The elemental and compositional analyses of the leached residues using XRF, XRD, and FT-IR spectroscopy indicated that the acid (mixture of HF and H2SO4) decomposition resulted in slightly better dissolution performance for Ta compared with the alkaline fusion method. Overall, the results indicated that KOH can be a suitable alternative decompositi

Hydrometallurgical removal of uranium and thorium from Ethiopian tantalite ore

This study focused on the leaching of uranium and thorium from a high grade Ethiopian tantalite ore using sulfuric acid. The effects of variables such as acid concentration, temperature and leaching time were studied. In general, the leaching efficiency of uranium increases with increasing temperature from 100 to 300 °C whereas the opposite trend was observed for thorium. The amount of uranium leached increased from 69.1% at contact time of 1 hr to 88.6% when the tantalite ore was leached for 3 hrs. On the other hand, for the experiments conditions considered in this study, the leaching behavior of uranium and thorium did not change significantly with varying sulphuric acid concentration from 70 to 90 wt%. Overall, the highest dissolution of uranium and thorium were achieved at 100 °C, 70 wt% H2SO4 concentration and 1 hr contact time

Mega-Environment Targeting of Maize Varieties using Ammi and GGE Bi-Plot Analysis in Ethiopia

አህፅሮት በቆሎ በኢትዮጵያ  ከሚመረቱ የምግብ ሰብሎች መካከል በምርትና ምርታማነቱ ግንባር ቀደም ስፍራን የያዘ ሰብል ነው፡፡  የሰብሉን ምርታማነት ከሚደግፉ የተለያዩ መንስዔዎች  ውስጥ በዋናነት ከፍተኛውን  ቦታ  የሚይዙት ከጥናትና ምርምር  የተገኙ የተሻሻሉ ዝርያዎች ቢሆኑም ሁሉም ዝርያዎች   በበቆሎ አብቃይ ስነ-ምህዳሮች  ላይ ተዘርተው  በምርታማነታቸው ወጥነት የማያሳዩ መሆናቸው ይታወቃል፡፡ እንደየአካባቢው የአይር ፀባይ፤ የአፈር ዓይነትና የዝናብ መጠን እንዲሁም የመሬት ከባህር ወለል ከፍታ ልዩነት የተነሳ በምርታማነታቸው ለየአካባቢው ተመራጭና ተመራጭ ያልሆኑ ዝርያዎችን መለየት ይቻላል፡፡ በዚህ ምክንያት ለተለያዩ ዝርያዎች ምርታማነት ተስማሚና ወካይ የሆኑ ስፍራዎችን  ለይቶ በማወቅ የትኛው ዝርያ በየትኛው ስፍራ ላይ ቢዘራ  ሁለንተናዊ የአካባቢ ባህሪያትን  ተላብሶ ከፍተኛ ምርት ሊሰጥ ይችላል?  እንዲሁም የትኛቹ ስፍራዎች በአየር ንብረት ተቀራራቢነት በጥቅል ተደምረው አንድ ዝርያ በወጥነት  በሁሉም ስፍራ ተዘርቶ ምርታማ የሚያደርጋቸውን አካባቢዎች ለይቶ ለማወቅ ጥናቱ ተደረገ፡፡ ጥናቱ ለምርት በምርምር የተለቀቁ  19 ዲቃላ የበቆሎ ዝርያዎችን በማካተት  ወይናደጋማና ደጋማ ስፍራዎች ላይ ተዘርተው የተለያዩ መረጃዎችን  በማሰባሰብ እንዲጠናቀር ከተደረገ በኋላ ለጥናቱ ስኬት   ከፍተኛ ትኩረት ተሰጥቶት  ለውሳኔ  እንዲያመች ከየአካባቢው የተሰበሰቡ የዝርያዎቹ ምርት አግባብ ባላቸው ሳይንሳዊ ዘዴዎች እንዲሰሉ ተደረገ፡፡ በስሌቱ መሰረት ከዝርያዎቹ በአማካይ በሔክታር 4.47 ( BH545)  እስከ 7.49  ( BH546) ቶን  ምርት ተመዘገበ፡፡ እንዲሁም በተደረገው ስሌት G14  እና  G1  ተብለው የተለዩ ዝርያዎች ለአብዛኞቹ የጥናቱ ስፍራዎች ተስማሚ  እንደሆኑ  ቢታወቅም  BH546  በሚባል ስያሜ የሚለየው ዝርያ በከፍተኛ ደረጃ ተመራጭ እንደሆነ ለማረጋገጥ ተችለሏል፡፡ በሌላ በኩል E9  በተባለ ምህፃረ-ቃል የሚለይ ስፍራ በአብዛኛው ዝርያዎች  ተመራጭ እንደሆነ ስሌቱ ሲያሳይ ፤ E1  የተባለው ግን ተመራጭ እንዳልሆነ ታውቋል፡፡ ሆኖም ግን 11 የጥናት ስፍራዎች በሶስት ዋና ዋና ፤ እያንዳንዳቸው በዝርዎቹ ምርታማነት የጎላ ልዩነት በሚታይባቸው ወጥ ክፍሎች እንደተከፈሉ የስሌቱ ውጤት ለይቶ አሳይቷል፡፡ በዚህ መሰረት E9 በሚል ስያሜ የሚለየው ስፍራ በብቸኝንት እንደ አንድ ዋና ክፍል የተከፈለ ሲሆን በሁለተኛ  ክፍል ውስጥ  በጥቅል  ዘጠኝ  አካባቦዎች  E1, E2, E3, E5, E6, E7, E8  እና E11  በአንድነት ተደመሩ፤ እንዲሁም  E4 እና  E10 በሶስተኛው ክፍል ውስጥ ተመደቡ፡፡ E3, E5 and, E7 በተባሉ ምህፃረ-ቃል የተለዩ ስፍራዎች ለዝርዎቹ ምርታማነት ወካይና ተመራጭ መሆናቸውን ጥናቱ አሳየ፡፡  ነገር ግን E4, E9 and E10  የተባሉ አካባቢዎች በውስን ስፍራዎች ውስጥ  ምርታማ የሚሆኑ  ዝርያዎችን መለየት የሚችሉ መሆናቸውን ጥናቱ ያረጋግጣል፡፡  በሌላ በኩል E8 and E11 የተባሉ ስፍራዎች የዝርያዎችን ምርታማነትና ተመራጭነት  በጉልህ ለማሳየት ምንም አስተዋፅዖ ያላበረከቱ መሆናቸውን ጥናቱ አሳይቷል፡፡ በመጨረሻም የዚህ ጥናት ውጤት ወጥነት ያላቸው ሶስት ዋና ዋና ስነ-ምህዳራትን ለይቷል፤  ዝርይዎች በምርታማነታቸው   ተመራጭነት  የሚኖራቸውንና  የማይኖራቸውነ  ለይተው የሚያሳዩ ስፍራዎችን  ጠቁሟል እንዲሁም በምርታማነቱና ለአብዛኛው አካባቢዎች  በወጥነት ተስማሚነቱን የሜያሳይ ዝርያ ለይቶ አሳይቷል፡፡ Abstract In multi-location experimental trials, test locations must be selected to properly discriminate between varieties and to be representative of the target regions. The objective of this study were to evaluate test locations in terms of discrimination ability, representativeness, and desirability, and to investigate the presence of mega-environments using AMMI and GGE models and to suggest representative environments for breeding and variety testing purposes.  Among 19 maize varieties tested across 11 environments, mean grain yield ranged between 4.47 t/ha (BH545) to 7.49 t/ha (BH546). Both AMMI and GGE  models identified   G14 and G1 as  desirable hybrids for cultivation   because they combined stability and higher average yield. Nonetheless, as confirmed by GGE analysis BH546 was most closest to the ideal genotype hence, considered as best hybrid.  Environment wise, E9 and E4 were the most stable and unstable test environments, respectively. The 11 test environments fell into three apparent mega-environments.  E9 formed one group by its own, E1, E2, E3, E5, E6, E7, E8 and E11 formed the second group and E4 and E10 formed the third group.  E3, E5 and, E7 were both discriminating and representative therefore are favorable environments for selecting generally adapted genotypes. E4, E9 and E10 were discriminating but non-representative test environments thus are useful for selecting specifically adapted genotypes. E8 and E11 were non-discriminating test environments hence little information about the genotypes. The results of this study helped to identify mega-environments, also representativeness and discriminating power of test environments better visualized with the GGE bi-plot model

The Effect of Normalization for Bi-directional Amharic-English Neural Machine Translation

Machine translation (MT) is one of the main tasks in natural language processing whose objective is to translate texts automatically from one natural language to another. Nowadays, using deep neural networks for MT tasks has received great attention. These networks require lots of data to learn abstract representations of the input and store it in continuous vectors. This paper presents the first relatively large-scale Amharic-English parallel sentence dataset. Using these compiled data, we build bi-directional Amharic-English translation models by fine-tuning the existing Facebook M2M100 pre-trained model achieving a BLEU score of 37.79 in Amharic-English 32.74 in English-Amharic translation. Additionally, we explore the effects of Amharic homophone normalization on the machine translation task. The results show that the normalization of Amharic homophone characters increases the performance of Amharic-English machine translation in both directions

Biodegradation of 1,2,3-Trichloropropane to Valuable (S)-2,3-DCP Using a One-Pot Reaction System

1, 2, 3-trichloropropane (TCP) being one of the important environmental pollutants, has drawn significant concern due to its highly toxic and carcinogenic effects. In this study, we built a one-pot reaction system in which immobilized haloalkane dehalogenase (DhaA31) and halohydrin dehalognase (HheC) were used to catalyze the recalcitrant TCP to produce 2, 3-dichloro-1-propanol (2, 3-DCP) by removing epichlorohydrin (ECH). SinceHheCdisplays a highRenantiopreference toward 2, 3-DCP, the production of enantiopure (S)-2, 3-DCP was expected. However, the enantioselective resolution of (R, S)-2, 3-DCP by HheC was greatly inhibited by the circular reaction occurring between the product ECH and 1, 3-dichloro-2-propanol (1.3-DCP). To resolve this problem, HZD-9 resin-based in situ product removal was implemented. Under the optimized conditions, TCP was completely consumed, resulting in optically pure (S)-2, 3-DCP with enantiomer excess (e.e) > 99% and 40% yield (out of the 44% theoretical maximum). The scale-up resin-integrated reaction system was successfully carried out in 0.5 L batch reactor. Moreover, the system could be reused for 6 rounds with 64% of original activity retained, showing that it could be applied in the treatment of large volumes of liquid waste and producing enantiopure (S)-2, 3-DCP