CHAPTER THREE
METHODOLOGY
3.0 INTRODUCTION
This Chapter presents the description of the research process. It provides information concerning
the method that was used in undertaking this research as well as a justification for the use of this
method. The chapter describes clearly the methodology the study used to achieve its prior
objective. Research methodology includes a description of the research design, specification of
target population, sample techniques, illustration of the instrument to be employee for data
collection as well as data analysis techniques.
3.1 RESEARCH DESIGN
The researchers were used Descriptive design approach to achieve and accomplish the research
objectives, because it is easy to validate and provide evidence the trueness and accuracy of the
objectives. Descriptive design was used in this study to acquire data and to provide numeric
descriptions and to describe their opinion.
3.2 Research Approach
The research employed a quantitative approach, utilizing structured questionnaires to gather
primary data. This approach was appropriate as it facilitated the collection of measurable data
to examine the relationship between the research variables effectively.
3.3 POPULATION
The target population for this study was commercial banks in Mogadishu especially three banks,
so that the target populations of this study are employees, consult unions of Salaam Somali bank,
Amal bank, and Premier bank, the reason of taking these three banks are they have significant
role in the economy of the country.
3.2.1 Sample size
Perhaps the most frequently asked question concerning sampling is, "What size sample do I
need?" The answer to this question is influenced by a number of factors, including the purpose of
the study, population size, the risk of selecting a "bad" sample, and the allowable sampling error
(Naing, 2003). So The sample size of this study will be 44, So that the sample size are calculated
as this formula used Slovene’s formula which is.
N
n=
1+ ¿ ¿
n = number of samples
N = total population
e = margin of error
Before research can begin the population must be identified and agreed upon. The target
population is the entire population, or group, that a researcher is interested in researching and
analysing. In some instances, the target population is restricted to exclude population members
that are difficult or impossible to survey of all staff companies, but you can restrict specific
group that you are going to investigate.
3.2.2 Sampling Procedure
The study used stratified random sampling to select the above mentioned forty four (44)
respondents. Formula is written as: n = N / (1 + N (α) 2), Where n = Number of samples, N =
Total population, α = significance level, while the significance level of this study is five percent
(0.05%) therefore:
n = (50/ (1+50*0.052) = 44
The researchers stratified respondents according to their important in Somalia and then used
systematic random sampling to select responding in each.
3.4 Data Collection Methods
The study used questionnaire as research instrument to collect the primary data from the
prospective respondents to achieve the primary objective of the research. Questionnaires are used
since the study intends to collect a lot of data about the relationship between the research
variables in the short period of time. Another apartment reason of using questionnaires was that
most of respondents are educated and literate, and the obtained information can be easily
described in writing.
3.4.1 Validity and Reliability of the Instrument
Research validity is the correctness or credibility of the research findings to ensure validity of the
instruments. The researchers ensured the questionnaires had instructions to be followed and the
questions are written in simple language which the respondents could understand. The content
validity for the instrument is the extent to which the instrument provides adequate coverage of
the investigation questions guiding the study.
3.5 DATA Anaalysis Methods
For the purposes of this study, data was collected by means of questionnaire as a measuring
instrument. The questionnaire was collected by hand, as it allows assisting the respondents to
answer what they want to shed light on.
3.6 ETHICAL CONSIDERATIONS
The researchers expect some of the respondents would not answer the questionnaire properly or
correctly and tight schedule of the respondents. Some of the respondents were not willing to
share with the researchers some of the information that they considered confidential but the
researchers promised to keep the information got as confidential and only to be used for
academic purposes.
Choice of sample population also caused a limitation, but the researchers tried to choose a
sample population that is truly representative in terms of statistics and large enough to give a true
picture of the whole population. Also there will be language barriers that cause misunderstanding
by respondents because the questionnaire is written by English language.
3.7 Limitations of the Study
The study faced several limitations, including: Non-Responsiveness: Some respondents did not
answer the questionnaire properly or within the allocated time. Confidentiality Concerns:
Some respondents hesitated to share information they deemed confidential.
Language Barriers: The questionnaire was in English, which may have caused
misunderstanding among some respondents.