Appendix-I SEMERA UNIVERSITY
SCHOOL OF GRADUATE STUDIES MASTERS OF BUSINESS ADMINSTRATION
A questionnaire to be filled by employees
Dear Respondents,
I am a postgraduate student of Semera University. I am currently undertaking a research thesis on assessment of
credit risk management in Awash bank. Please recall that you are selected as a possible participant because you
are an employee of Awash bank. Your participation in the study is completely voluntary. The research work is
for academic purpose only. Any information obtained in connection with this study will remain strictly
confidential. Your honest and true opinion will be valuable for this research. Thank you in advance for your
participation.
Samuel Alemu Mobile: +251-925-31-80-82
Email:
Part 1: Demographic Information of the research
Instruction: Please fill the answer by putting “√” mark.
Column1 Column2 Column3
[Link]: Male Female
2. Age in year:
18-25 >45
41-45 31-35
26-30 36-40
3. Year of service in AB:
1-3yrs 7-9yrs
4 - 6yrs >10Yrs
4. Current position
Business segment director Credit Analyst
Credit Analysis and appraisal Estimation officer
director Risk & compliance officer
R/ship Manager Credit followup & management manager
5, Monthly gross salary in Birr: < 15,000
15,001-20,000 30,001-35,000
20,001-25,000 >35, 000
25,001-30,000
Part 2: Questions Related to Credit Policy and Credit Risk Management Practice:
Using the scale given below, please tick √ the number in each phrase that best represents the extent to which you
agree with the given phrase. Before you start, quickly read through the entire list to get a feel for how to rate.
Remember there is no right or wrong answers, and your honest opinion is critical to the success of this study.
5= “Strongly Agree” 4 = “Agree” 3 = “I don’t know” 2 = “Disagree” 1= “Strongly Disagree”
1. What credit collection strategies are adopted in the management of credit in Awash bank?
No Items 5 4 3 2 11
1 The bank has credit risk policy, guidelines and procedures that explain
objectives and principles of credit risk management process
2 Credit risk strategy and policies are effectively communicated
throughout the organization
3 The Bank have strategies for granting credits focus on who, how and
what should be done at the branch and corporate division levels while
assessing borrowers
4 The credit and risk policies and procedures exactly comply with
regulations of national bank
5 The practical loan processing and appraisal activities of the
department offices comply with the bank credit policy and procedures
No Items 5 4 3 2 1
1 The bank has credit risk policy, guidelines and procedures that explain
objectives and principles of credit risk management process
2 Credit risk strategy and policies are effectively communicated
throughout the organization
3 The Bank have strategies for granting credits focus on who, how and
what should be done at the branch and corporate division levels while
assessing borrowers
4 The credit and risk policies and procedures exactly comply with
regulations of national bank
5 The practical loan processing and appraisal activities of the
department offices comply with the bank credit policy and procedures
No Items 5 4 3 2 1
1 The bank has credit risk policy, guidelines and procedures that
explain objectives and principles of credit risk management process
2 Credit risk strategy and policies are effectively communicated
throughout the organization
3 The Bank have strategies for granting credits focus on who, how
and what should be done at the branch and corporate division levels
while assessing borrowers
4 The credit and risk policies and procedures exactly comply with
regulations of national bank
5 The practical loan processing and appraisal activities of the
department offices comply with the bank credit policy and procedures
2. What are the factors that relates to the effectiveness of credit risk management in Awash Bank?
No Items 5 4 3 2
1 Appropriate credit environment is established through policy and
strategies (guidelines) that clearly outline the scope and allocation
of bank credit facilities
2 An appropriate credit administration that involves monitoring
process as well as adequate control over credit is maintained
3 Top management supports to ensure that there are proper and
clear guidelines in managing credit guidelines in managing credit
4 Reliable information is collected from prospective borrowers in
accomplishing effective screening
5 The Bank has high quality staff with required depth of knowledge
6 All credit risk management guidelines are properly
communicated throughout the organization and everybody
involved in credit risk management understands them
7 Supportive technologies and equipment are utilized in credit
analysis, monitoring and control to make the task easy and to
keep track on trend of credits within the portfolio
3. How was the credit procedure of the Bank helping in reducing the NPL status loans?
No Items 5 4 3 2
1 The NPL percentage of the bank’s credit is increasing time to
time.
2 Lack of continuous follow up and proper risk assessment is the
main cause of NPL %age increment
3 Mistake on estimation of collateral and evaluating the borrower’s
financial report is another cause of NPL %age increment
4 Current political and contagious diseases (i.e. Covid-19) are the
main factors for NPL increment
5 The bank’s procedure was effective in reducing the NPL status
6 Reviewing and amendment of the bank’s procedure is not
necessary for NPL related issues
4. What kind of mechanisms used by the bank for credit risk measuring and monitoring?
No Items 5 4 3 2
1 The bank frequently contact with borrowers
2 The bank creates an environment that it can be seen as a solver of
problems and trusted advisor
3 The bank monitors the flow of borrower’s business through the
bank’s account
4 The bank regularly reviews borrowers reports as well as an onsite
visit
5 The bank develops the culture of being supportive to borrowers
wherever they are recognized to be in difficulties and are striving
to deal with the situation
6 The bank updates borrowers credit files and periodically review
the borrowers rating assigned at the time the credit was granted
Thank you for your cooperation!