Factors Affect Choice of Bank Services

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ADDIS ABABA UNIVERSITY SCHOOL OF GRADUATE STUDIES DEPARTMENT OF ACCOUNTING AND FINANCE

BANK SELECTION DECISION: FACTORS INFLUENCING THE CHOICE OF BANKING SERVICES

By: Goiteom W/mariam

June 2011 Addis Ababa

BANK SELECTION DECISION: FACTORS INFLUENCING THE CHOICE OF BANKING SERVICES

A Thesis Submitted to the School of Graduate Studies of Addis Ababa University in Partial Fulfillment of the Requirements for the Degree of Master of Science in Accounting and Finance

By: Goiteom W/mariam Advisor: Dr. Ulaganathan S.

June 2011 Addis Ababa

ADDIS ABABA UNIVERSITY SCHOOL OF GRADUATE STUDIES DEPARTMENT OF ACCOUNTING AND FINANCE

BANK SELECTION DECISION: FACTORS INFLUENCING THE CHOICE OF BANKING SERVICES

By: Goiteom W/mariam DEPARTMENT OF ACCOUNTING AND FINANCE

Approved by the Board of Examiners __________________________________ ___________ ___________ Chairman, Department of Accounting and Finance Signature Date

__________________________ _______________ ____________
Advisor Signature Date

________________________ __________________ _____________
Internal Examiner Signature Date

__________________________ ________________ _____________
External Examiner Signature Date

DECLARATION
I hereby declare that this submission is my own work and that, to the best of my knowledge and belief, it contains no material previously published or written by another person nor material which has been accepted for the award of any other degree or diploma of the university or other institute of higher learning, except where due acknowledgment has been made in the text.

______________________________ Candidate’s Name

__________ Signature

___________ Date

Advisor’s Approval
This Thesis has been submitted for examination with my approval as a University advisor.

__________________________ Advisor’s Name

____________ Signature

____________ Date

i

ACKNOWLEDGMENTS
First and foremost, I would like to express my gratitude to my advisor Dr. Ulaganathan Subramanian for his invaluable and constructive contributions throughout this study. My deepest appreciation goes to the School of Business and Public Administration of AAU for providing financial support to conducting this thesis and Aksum University for giving me the chance to learn Masters Degree. I am also indebted to all my best friends who had taken the endeavors to voluntarily administer the questionnaire on my behalf; special thanks to all of them for their material and moral support throughout the data collection period. My heartfelt thanks also go to my friends G/yessus G/hiwot (Defo) and Bahre Gebru for their technical, material, and moral supports. For they have devoted unreserved efforts to comment and edit my work before it has sent to advisor, the research time was a lovely moment for me. G/medhin G/silassie and Berhe W/mariam also deserve thankfulness for participating in the survey study. Last but not least, I would like to extend my gratitude to all my friends, colleagues and my beloved family who have supported and motivated me to come this far. My sincere thanks and appreciation goes to you all.

ii

STATEMENT OF CERTIFICATION
This is to certify that the thesis entitled “Bank Selection Decision: Factors Influencing the Choice of Banking Services” submitted by Mr. Goiteom Woldemariam to Addis Ababa University towards partial fulfillment of the requirements for the award of the degree of Master of Science in Accounting and Finance (School of Graduate Studies) is a genuine record of the work carried out by him under my supervision and guidance.

Dr. S. Ulaganathan Date: ________________________

iii

DEDICATION

Dedicated to MAM!!!

iv

TABLE OF CONTENTS
CONTENT PAGE

Declaration--------------------------------------------------------------------------------------------------i Acknowledgment------------------------------------------------------------------------------------------ii Statement of...
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