Bank loans and loans that aren't being paid back Ethiopia's banking industry.

A doctoral thesis is like a structure of the house, it takes time and effort to complete the product nothing like the proposed plan. Foremost of all, I extremely how my head to the almighty God for his generous and compassionate with whose grace and blessings. I have been able to accomplish this research successfully.

The valuable gift of learning is a credit that is difficult to pay except, gratitude can be felt. Indeed, I don't have words in spirit to express my heartfelt gratitude to my supervisor. Dr. Navkiranjit Kaur (professor). for her scholarly guidance, compassion approach, professional expertise and constructive comments during this research work.