Adama University

About: Adama University is a education organization based out in Nazrēt, Ethiopia. It is known for research contribution in the topics: Population & Adsorption. The organization has 840 authors who have published 1010 publications receiving 5547 citations. The organization is also known as: Adama Science and Technology University & ቴክኖሎጂ ዩኒቨርሲቲ, አዳማ ሳይንስና ቴክኖሎጂ ዩኒቨርሲቲ.

Credit Risk Management and Customer Satisfaction in Tier-one Deposits Money Banks: Evidence from Nigeria

Abstract: This study investigates the effect of credit risk management on customer satisfaction in tier-one deposits money banks in Adamawa state, Nigeria. The objectives of the study were to examine relationship between credit risk management and customers’ satisfaction and to assess the relationship between credit risk management and credit appraisal process. The study surveyed 384 selected customers from three tier-one deposits money banks in Adamawa state, Nigeria. Purposive sampling was used in selecting the banks and simple random sampling was used in administering the questionnaire to the customers. Descriptive and inferential statistics were used to analyze and interpret the data collected. The study found that there is positive and significant relationship between credit risk management and customer satisfaction and the regression results showed that 49% of the variability in customer satisfaction can be explained by credit risk management. The study also found significant positive correlation between credit appraisal process and credit risk management, with 81% of the variability in credit appraisal process explained by credit risk management. The study recommends that despite the positive relationship between credit risk management and customer satisfaction, there is need for banks’ management to pay attention to other factors that will contribute to customer satisfaction other than granting of credit facilities. At intervals, Banks should conduct seminars or training to update their staff on current credit guidelines issued by the regulatory authorities to enhance their knowledge on credit risk management with a view of ensuring customer satisfaction. Keywords: Credit Risk Management; Customer Satisfaction; Deposits Money Banks; Tier-one; JEL Classifications: M400, M30

An assessment of architecture students’ perception on the soft and practical skills integration into the curriculum structure for sustainable development in nigeria

Abstract: Graduates’ unemployment is a critical issue in Nigeria. The government and Higher Learning Institutions (HLIs) emphasis on the soft and practical skills integration in the curriculum structure is to turn out graduates with balanced capacities, diversities and flexibilities to survive the competitive labour market. Even though, little empirical findings are available on the level of soft and practical skills integration in the Nigeria public universities, particularly architecture programmes, the construction industry is seen as a major contributor to national economic development. Contemporary skills requirement for the graduating architects’ self-empowerment is still contentious in the academic circle. This paper aimed to propose Architects’ Career Skills Development (ArCaSD) assessment model and ten hypotheses were postulated to test the model. It is premised that the architecture students’ perception on the level of infusion and acquisition of the entire range of soft skills and practical workshop practice embedded in the architecture's curriculum structure for self-empowerment be evaluated. Quantitative research methodological approach and structural equation modelling were employed to analyse the data collected from 153 students. The finding showed that all the ten hypotheses were supported and positively significant. In addition, the perception of the students on the soft skills integration is substantially positive and above average. The findings further indicates that, despite the practical skills acquisition, there is need to focused more on the architectural design rather than combining it with practical training in entrepreneurship and pragmatic workshop practice. In conclusion, students’ narrow-mindedness on the importance of entrepreneurship and practical skills development call for innovation in architecture’s curriculum structure and pedagogical approach to facilitates capacity building for employment creation and national economic development in Nigeria.

Numerical investigation of frame for human powered flywheel equipped cycle rickshaw

Abstract: Recent awareness in fossil fuel depletion due to large consumption with regard to population number growth from time to time and environment degradation due to fossil fuel combustion emission has been generated. This research focuses on the design of human-powered flywheel-equipped cycle rickshaw. The operating mechanism of this vehicle is same as the upright bicycle. The study conducted by reviewing different related previous works. The main objective of this work is designing flywheel-equipped cycle rickshaw, to harvest kinetic energy lost during braking or slow down for later use. This is done by using a mechanism incorporated with flywheel and clutch system. The study is carried out for design of the frame. The frame of this work cycle rickshaw is designed by using both upright bicycle fit data and anthropometrics data to develop ergonomic and rigid frame. The models of the components are developed using CATIA after determining the dimensions of the components. The design considers both static and dynamic condition. For FE analysis, ANSYS 15 is used to find out total deformation, equivalent (von Mises) stress, maximum shear stress and factor of safety.

Feeding value of different levels of malt sprout and katikala atella on nutrient utilization and growth performance of sheep fed basal diet of Rhodes grass hay.

Abstract: Nonconventional agro-industrial by-products such as traditional liquor residues (locally called katikala atella) are widely used by livestock farmers in Ethiopia. The objective of this experiment was to evaluate the supplementary value of katikala atella and malt sprout (MS) on performance of sheep fed a basal diet of Rhodes grass hay. Thirty intact yearling male sheep with an average initial body weight of 17.4 ± 0.74 kg (mean ± SD) were assigned to the treatments in a completely randomized block design: atella alone (T1), 75 % atella + 25 % malt sprout (MS) (T2), 50 % atella + 50 % MS (T3), 25 % atella + 75 % MS (T4), MS alone (T5), and Rhodes grass hay alone (T6). Grass hay was fed ad libitum to all treatments. The total dry matter (DM) and organic matter (OM) intakes of sheep fed T4, T5, and T3 diets were the highest (P 0.05) DM, OM, CP, NDF, and ADF digestibility. The highest (P < 0.05) average daily gain was for sheep fed T3, T4, and T5 diets, while sheep in T6 lost body weight. Sheep fed T5 diet had the highest (P < 0.05) nitrogen retention, while those fed T6 diet had the lowest. The study has shown that a mixture diet consisting of equal parts of katikala atella and malt sprout (T3) are found to be superior in most of the required nutrient characteristics.