Masters Degrees (NBS)

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Browsing Masters Degrees (NBS) by Subject "Agribank"

Now showing 1 - 3 of 3
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    An analysis of the importance of government contribution to the growth of Agricultural Bank of Namibia
    (University of Namibia, 2020) Hauwanga, Victoria; Sunde, Tafirenyika
    The study was in exploration on the impact of state contribution to the growth of Agribank. The study was based on the one main objective which was to study the impact of state contribution to Agribank and the whole agricultural sector. This research applied an exploratory research design to tease information on the contribution of the state to the growth of Agricultural Bank of Namibia. The investigation on the impact of state contributions to the growth of Agribank was carried out in using a quantitative research method. In order to attain the objective, the structured questionnaires were designed following the specific objectives of the study. Structured questionnaires were used to collect data from the participants. All ethical clearance data necessary procedures were followed before the data was carried out and permission was granted by the institution. The data was analyzed using SPSS and content-based analysis. The objectives of the study were to find out the impact of the state funding to Agribank on the bank's growth, the strategies that Agribank can implement to grow the loan book and recommendations on how Agribank could use the state funding to improve the agricultural sector in Namibia. The main findings of the study were that the state has a positive impact on the growth of Agribank. A direct relationship between the state funding and the Agricultural Bank of Namibia was identified through the findings. However, variables such as poor management, delays in approving loan applications as well as disbursement of funds to the client and lack of a sound loan recovery system hinder the smooth process of funding. The conclusions were that the growth of the Agribank depends on the state funding because it increases the number of loans hence the growth of Agribank. Interest rates do not really impact the growth of Agribank. The study came up with recommendations that the state has to increase its funding to Agribank. Employees should be developed regularly to be efficient in the discharge of their duties and to equip them with new management skills. The challenges faced in the process of carrying out the study were getting the participants to fill in questionnaire because they were always busy
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    An investigation into the causes of customer loan default at the Agricultural Bank of Namibia, Oshakati branch
    (University of Namibia, 2021) Namupala, Victoria N.; Chirimbana, Moses
    Agribank has faced credit risk of borrowers not repaying loans on time as per the loan contract. This has resulted in financial losses to the ban . The Bank is concerned with the low rate of loan recovery on its scheduled loan instalments. This concem is due to clients defaulting, resulting in a persistent growth in the arrear loan book. Though the bank has adequate security in place for its loan portfolio, the impact of a low rate of debt collection on its liquidity remains a cause for concern. This study sought to investigate factors that cause customers to default on loan repayments on loans financed by Agribank. Due to strict privacy of the Bank, information was only assessable to the authorised persons. The mixed method approach was adopted for the study. The study used a semi-structured questionnaire for customers and a semi structured interview guide for staff members. The sample size was 187 participants that comprising of 37% female and 63% male, with the biggest age group of 41-50 years contributing 44.9%. The loan accounts represented in the study were livestock, h01iiculture, tractor, and poultry. The study identified that poor loan-monitoring and follow-up, poor credit risk assessment, high interest rates, and grace period were the specific factors from the bank's side that affected the level of loan repayment. On the other hand, business experience, loan size and multiple loans, loan diversion and, other income were the reasons for defaulting from the customer's side. This study recommends that Agribank should enforce its loan monitoring officers to always follow up on the loans taken and to strengthen credit risk assessment. Training workshops were suggested for customers in areas that concern credit or loans, its sustainability, and activities that are considered to help the repayment of the loans or that lead to defaults thereof
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    An investigation into the effect of rewards on employee motivation: A case study Agribank, Windhoek
    (University of Namibia, 2017) Zamuee, Asnath
    The primary objective of this study is to examine the relationship between rewards and employee motivation. More specifically, the study aims to analyze the effectiveness of the current reward system at Agribank in motivating employees. The theoretical part of the study introduces different theories of motivation and rewards. Emphasis is put on Maslow's hierarchy of needs, two-factor theory, the goal setting theory and the total reward system. Eight intrinsic and extrinsic factors which denote employee motivation are utilized, as follows: 1) Salaries; 2) Fringe benefits; 3) Promotion; 4) Job security; 5) Recognition/Appreciation; 6) Empowerment and autonomy; 7) Challenging tasks; and 8) Sense of achievement. The empirical part of the research was conducted using quantitative research design. A self-developed questionnaire with closed-ended questions was administered to respondents. Data was analysed using SPSS statistical software. Six hypotheses were developed, interpreted and tested using Chi-square goodness of fit. The population in the study is 120 and consist of employees in job grades A1 to D3, which are the non-managerial employees. Simple random sampling was used to arrive at a sample of 80. Seventy three (73) questionnaires were returned, translating into a response rate of 91.25%. The result indicates that there is a positive association between intrinsic and extrinsic rewards and motivation. Accordingly, if rewards and recognition offered to employees were to be altered, then there would be a corresponding change in employee motivation and satisfaction. The results also revealed that the current remuneration philosophy at the bank is competitive but marred with inconsistencies and unfairness in the allocation of performance-based rewards. As a result thereof, team spirit is seriously compromised to the extent that it negatively impacts performance.