FACULTY OF BUSINESS AND ECONOMICS

DEPARTMENT OF ACCOUNTING AND FINANCE

Questionnaire
This questionnaire prepared by graduate degree student in order to collect data for the research
entitled “Assessment of credit management the case of Commercial Bank of Ethiopia.” to be
prepared in partial fulfillment of BA degree in accounting. All information you give is invaluable
for the academic purposes and kept confidential. The validity of your response will highly
contribute for success of this research paper.

The Researcher would like to ask with due respect for you to give your genuine response.

Direction
• No need to write your name
• Kindly request you to answer by making a (X) make or in writing where ever appropriate

Thank you in advance for your cooperation;

PART-1 PERSONAL QUESTIONS

1. Sex; Male Female

2. Age; 18-25 Years 26-35 Years
36-45 years Above 45 years
3. Educational Status;
1st Degree
Diploma 2nd Degree and above
4. Work experience in the bank;
Below 2 years 2-5 years Above 5 years
and training before
5. Does your bank give adequate consultancy granting loan?
Yes No
6. Commercial Bank of Ethiopia has a strong credit approval procedure?
Strongly agree Strongly disagree
Agree Do not know
Disagree
7. What mechanism or credit granting criteria use by CBE?

8. How do you rate the effectiveness of bank credit analysis before the loan granted to a
borrower?
Excellent Very Good Good Fair Poor Very poor
9. What procedures are required in the lending process?
10. Which sector is the most user of the bank credit?
Agriculture Foreign trade
Manufacturing Construction
Domestic trade other
11. What type of loan is extended in your bank mostly?
Short term loan Overdraft loan
Medium term loan Merchandise loan
Long term loan Agricultural loan
12. What is the method of loan repayment should the customer follow?
Installment method
Lamp sum method
Others
13. What types of collateral does the bank request from the borrower?
Vehicle Building Land
 Cash deposit Other
14. Do you believe that having strong collateral secures loan repayment?
Yes No
15. If your answer to question No. 14 Yes or No give some explanation?

16. How do you rate the adequacy of loan collection effort of your bank?
Very adequate Adequate Somehow adequate
Less adequate Not adequate
17. Lending money to the client is one of major services rendered by your bank. Do you
believe your bank clients repay their obligation as per the scheduled time?
Strongly agree Agree Disagree
Strongly disagree Do not know

18. If you disagree or strongly disagree to question No. 17. What are the main caused for the
defaults?
Problem by the bank Problem of the client
Problem by the third party
19. In your opinion what are the major causes of non-performing loan in CBE?

20. In your opinion what are the possible solutions you think for the non-performing loan?

21. How the bank manage non-performing loan?

22. What practices are applied in relation to a credit monitoring and follow-up?

23. Do you have any comment or opinion please explanation it?

Thank You