BULE HORA UNIVERSITY

COLLEGE OF AGRICULTURAL SCIENCE

DEPARTMENT OF AGRICULTURAL ECONOMICS

TITLE: -PRACTICAL ATTACHMENT REPORT ON SIINQEE BANK

BERISODUKALE BRANCH IN BULE HORA TOWN (SB)

COURSE: PTACTICAL ATTACHEMENT

PERIOD OF THE ATTACHMENT 15 DAYS

PREPARED BY: ID NO

1. Gadisa Kedir............................................. RU 4779/13

2. Kanani Dereje........................................... RU 4827/13

ADVISOR: -Mr. ANIMUT Y.(Mcs.)

JANUARY,2024

BULE HORA, OROMIA, ETHIOPIA

LIST OF ACRONYMS
SB Sinqe Bank
OCSSCO Oromia Credit and Saving Share Company
NBE National Bank Of Ethiopia
BOD Board Of Director
CEO Chief Executive Officer

HO Head Office

HR Human Resource

HRD Human Resource Development

HRM Human Resource Management

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 Table of Contents

Contents pages

List of acronyms ........................................................................................................................... I

Table of Contents ............................................................................................................................II

ABSTRACT................................................................................................................................... V

Acknowledgement ........................................................................................................................ VI

CHAPTER ONE ............................................................................................................................. 1

1. Introduction ................................................................................................................................. 1

1.1 Historical Background of the Siinqee Bank .......................................................................... 1

1 .2 Main Functions or Core Activities of Siinqee Bank ............................................................. 1

1.3. Mission, Values and Vision of the Siinqee Bank ................................................................. 2

1.3.1 Mission ............................................................................................................................ 2

1.3.2. values .............................................................................................................................. 2

1.3.3. Vision of SB ................................................................................................................... 3

1.4. Objectives of SB ................................................................................................................... 3

1.4.1. General objectives .......................................................................................................... 3

1.4.2. Specific objectives .......................................................................................................... 4

1.5. The Governance and organizational structure of SB ............................................................ 4

1.6.1. Board of Directors .......................................................................................................... 6

1.6.2. The President .................................................................................................................. 6

1.6.3. Chief Operating Officers ................................................................................................ 6

1.6.4. Vice Corporate Services ................................................................................................. 7

1.6.5. Other Vice Presidents, Functional Immediate Supervisors And Directors ..................... 7

1.7. Action Taken By The Bank To Realize Its Visions & Mission ............................................ 7

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 1.8. Strength, Weakness, Opportunity And Treat (SWOT) Analysis Of The SB ......................... 8

1.8.1. Strength .......................................................................................................................... 8

1.8.2. Weakness ........................................................................................................................ 9

1.8.3. Opportunities .................................................................................................................. 9

1.8.4. Threats .......................................................................................................................... 10

1.8. Challenges & Problems Of The Organization .................................................................... 10

CHAPTER TWO .......................................................................................................................... 11

2. ACTIVITY REPORT ................................................................................................................ 11

2.1. Background of the department/division where you were working..................................... 11

2.2. Objectives and major responsibilities as well as activities of the department or division .. 11

2.2.1. Objective Of The Department ...................................................................................... 11

2 3. Objective and Major Responsibilities As Well As Activities Of The Department /Division 1

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2.4. The responsibilities and major activities me as a member of department .......................... 12

2.5. Performance Evaluation of my activities............................................................................ 12

2.6. Challenges and Problems encountered on the job and remedial measures ........................ 12

2.7. Problem of division or department and suggested solutions .............................................. 13

2.7.1. Problems of division or department ............................................................................. 13

2.7.2. Suggested Solutions And Remedies For The Problems ............................................... 13

CHAPTER THREE....................................................................................................................... 14

3. ATTACHMENT EVALUATION ............................................................................................ 14

3.1. Rationale of practical attachement ..................................................................................... 14

3.2. Significance of Practical Attachment ................................................................................. 14

3.3. Relevance of Practical Attachment to my studies .............................................................. 15

3.4. Applicability of theories and others in class on Practical Work ......................................... 15

III
 3.5. Major challenges and problems that we faced during practical attachment ....................... 15

CHAPTER FOUR ......................................................................................................................... 17

4. SUMMARY,CONCLUSION AND RECOMMENDATION .................................................. 17

4.1. Summary of the Attachment ............................................................................................... 17

4.2. Conclusion .......................................................................................................................... 17

4.3. Recommendation ................................................................................................................ 18

BIBILIOGRAPHY/ REFERENCE .............................................................................................. 19

IV
ABSTRACT
Generally, the objective of this practical attachment is to assess the performance of Siinqee Bank
Beriso Dukale branch. The extent to which Siinqee Bank Beriso Dukale branch is realizing its
vision and mission and performance of the organization in relation to its objectives. The intention
of this practical attachment was to increase student’s knowledge and enable student to compare
what have learnt so far in class and what have experienced in summer practical. To produce well
qualified, self-reliant, active, change agent and real problem solver student. In addition, the other
objective is to investigate equal participation of Siinqee Bank with other bank to it realizes to its
visions, mission and objective. Not only limited to this but also emphasis the problems faced by
me while we were performing this practical attachment. Thus, practical attachment suggests
solutions and some of policy implication toward reducing the problems based on finding.

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 Acknowledgement
First of all Our greatest thanks goes to the Almighty God for his endless help and make us to stay
in life to this day and enables us to complete this practical attachment. We also would like to
express our deepest gratitude to Mr.Belete (Beriso Dukale branch) for our gathering information
about SB Beriso Dukale branch. And also our advisor( Mr Animut Y) for him enthusiastic
support us for the preparation until the final discussion of this internship Report on SB at Beriso
Dukale branch with frequent follow up our activities and guide us. We are greatly thanks for our
family they had been assisted our schooling life and to give advice how can we goes with our
planning activity to finish our academic schooling in this university. Finally we like to
acknowledge all individual and institutions that have helped us materiallyand morelly dung the
preparation of this paper

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 CHAPTER ONE

1. Introduction

1.1 Historical Background of the Siinqee Bank

Sinqee Bank is the transformation of Oromia Credit and Saving Share Company [ocssco] which
had served being as microfinance institution since August 4/1997 the transformation process was
started based on the NBE. Sinqe Bank established project office in 2021. Its commercially
licensed in May 22/2021 and commenced operation in march 2021 .It was registered in
accordance with article SBB /74/2020 of the commercial code of Ethiopia. Currently the sinqee
bank is among leading private bank in Ethiopia with total asset more than ETB 15 billion billion
account holder and 8 billion paid bank has more than 403 branchs networks bank has named
from Oromia women cultural practice called Siinqee wich is part of the grand gadaa system.

The Bank has put in place new organizations structures to start its service. There are also policies
and manuals improved to align with policies and practices of the Banking sectors. The
preparation of this HR manual is one of the components of the deliverables required to installing
appropriate system and policies for the Bank .The Head Office of Siinqee Bank is located in
Addis-Ababa City, Kirkos Sub-City, Wereda 6 House No. New, Kazanchis area. Any change in
office shall be communicated to members and other stakeholders of the Bank as appropriate.

1 .2 Main Functions or Core Activities of Siinqee Bank

The core activities of the Sinqe bank is the system essentially includes deposit,loan and credit
processing among the integral core banking services and new account services, interest
calculating and withdrawals and customers relationship management and good host customers.
Briefly the core activities of Sinqe bank are as follow:

Collection of cash deposit.

Collection of cash for money transfer.
Payment from current account.
With drawl from saving account.

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 With drawl from retention account .
Payment in cash
1.3. Mission, Values and Vision of the Siinqee Bank
1.3.1 Mission
Siinqee Bank is dedicated to provide integrated, inclusive and innovative banking and
microfinance services through its committed, dynamic , and disciplined employees by deploying
state of-the-art information technology to empower the society and maximize stakeholder's value
with a special focus to be the financial alternative and sources of area knowledge with adherence
to the sprit of law.

1.3.2. values
S = Socially Responsible Dirqama Hawaasummaa
I = Integrity Amanamummaa
I = Innovative Waa Uumuu(Kalaquu)
N= Nurturing Guddina/ Guddisuu
Q= Quality Service Tajaajila Qulqulluu
E= Efficiency Gahumsa
E= Empowering Geessisuu
i. Integrity : -We are committed to the highest ideals of honor and integrity.
-We strive to act in an honest and trustworthy manner
-We firmly adhere to ethical principles
ii. Customer Satisfaction
-We strive to excel our business and satisfy our customers
-We are committed to offer the highest quality service to our customers and aspire to be
branded with quality in the minds of our customers and the general public
iii. Employee satisfaction
-We are committed to employee training and professional growth
-we distinguish our employees as valuable organizational resources
-We recognize our employees for their achievements
iv. Learning organization
-We are committed to anticipate and respond to internal and external changes through
constant improvement and adaptation

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 -We strive to establish a culture that nurtures individual and group learning

v. Teamwork and collaboration

-we recognize the importance of teamwork for our success
-we support one another and work co-operatively
vi. Public trust
-We understand that the sustainability of our business depends on our ability to maintain
and buildup public confidence
vii. Value for money
-We use resources carefully to save expense, time or effort

-We deliver the same level of service for less cost, time or effort
-We deliver a better service or getting a better return for the same amount of expense,
time or effort
viii.Decentralization
-We are committed to delegate operations and decision-making responsibilities
-Corporate citizenship
-We value the importance of our role in national development endeavors
-We abide by the laws of Ethiopia and other countries in which we do business
-We care about the welfare of the society and the environment

1.3.3. Vision of SB
The Siinqee Bank vision is licenced as bank with the vision to be the leading private bank in
financial inclusion and transformation in Ethiopia.
To keep market position leading financial service by improving the customer experiences by
streamiling process and digitalization.

1.4. Objectives of SB
1.4.1. General objectives
✓ To contribute to the general economic development efforts of nation

✓ Enhance growing market share

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 ✓ Expanding the bank’s capital base

✓ Provide differentiated, varied and value added banking services ,

✓ Maximizing profitability through increased efficiency

✓ To create a harmonious working relationships between the Bank and its employs to
facilitates a conducive working atmosphere and maintain a satisfied, self-controlled,
and motivated work force.

✓ Work to archive maximum productivity in its sectary of intervention, by hiring

professional’s staff that it has to motivate and retain.

✓ Provide competitive benefits to performing employs so that it may retain complements

staff for a long period as it is unlikely to meet organizational mission and objectives
without experienced and competent staff.

✓ Create a since of collective and individual’s responsibility in the mgt of Banks.

1.4.2. Specific objectives

✓ Protect the interest of the bank against any harmful cause, internal and external.

✓ Protect the employees against unfair exploitation of labor and improper utilization of
effort and skills.

✓ Support the members during the time of financial distress and unlawful eviction or
dismissal from job.

✓ Promote the meet customer satisfaction via employee’s satisfaction.

✓ Raise awareness on right and duties of employees in line with existing national laws,
international labor conventions and human resource principles.

✓ Promote to establish and enhance network communication with local and international
unions and federations

1.5. The Governance and organizational structure of SB

Governance is a process by which a board of directors, through management, guides the bank in
fulfilling its corporate mission and protects banks assets.

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✓ General Assembly

✓ Board of Director,

✓ Executive Management and Management (Head Office),

✓ District Management (Middle Structure),

✓ Branch Office and

✓ Sub-branch Office

✓ General Assembly is the supreme decision making organ, which constitutes all shareholders.

✓ Executive Management constitutes:

✓ President,

✓ Chief, Operation Officer,

✓ Vice Presidents,

✓ Chief, Risk and Compliance Management

✓Chief, Internal Audit,

✓ Director, Legal Service

✓ Director, Interest Free Banking

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1.6. Authorities, Roles and Responsibilities
1.6.1. Board of Directors
The BOD is responsible to review and approve the HRM policy, oversees its implementation and
executes the HR Nomination as per the scope of its discretion. Among other things, the BODs:

1.Review and approve the policies and practices related to HRM of the Bank;
2.Make oversight on the proper implementation of the policy;
3.Approve the Bank's organizational structure, job grading frame work, new salary scale, benefit
packages, wide salary increments and bonuses;

1.6.2. The President

In general, in accordance with this policy, the President of the Bank shall ensure the application
of the Bank's HRM policy. Among other things, the President of the Bank shall;
1. Present for the proposal to the Board on HRM Strategies, policies, Bank's organizational
structure, Job Grading Frame work, New Salary scale, Benefit Packages, wide salary increments
and Bonuses, annual recruitment and training plan;
2. Make decision on HRM recommendation with in his/her discretionary power;
3. Ensure the proper implementation of this policy and its interpretation sprit into pertinent HRM
procedures and guidelines;
4. Oversee and support the development and implementation of effective HR policies and
procedures for recruitment, training and talent development;

1.6.3. Chief Operating Officers

The chief operating officers shall execute the roles and responsibilities of the president as and
when delegated by the President and/or at the president's absence from office. Among other
things, he/she shall primarily and specifically responsible:

✓ Assist the Presidents in discharging his responsibilities by supervising and ens uring the
timely delivery and quality of the expertise work done by responsible functional organs in
accomplishing their respective delegated duties intended to fulfill the responsibilities
entrusted to the President;
✓ Oversee the proper implementation of the Human Resource Management Policy

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 ✓ Make decision on Human Resources Management recommendations according to his/her
discretion limit;
1.6.4. Vice Corporate Services
Among other things, the Vice President, Corporate Services shall;
1. Review and oversee all HRM activities: for review, deliberation and approving bodies;
2. Develop working guidelines for smooth functioning/operation of the HRM activities in the
Bank's HRM strategy, policy and procedure;
3. Presents the HRM procedures updates and modification;
4. Guides the studies related to the HR strategy, organization designs and development,
remuneration, compensation and various staff benefits.

1.6.5. Other Vice Presidents, Functional Immediate Supervisors And Directors

All other vice presidents, functional immediate supervisors, directors, district managers, division
managers, branch managers, customer service managers and other managerial staffs has the
authority and responsibility of adhering to this policy in managing Human Resource and also
take prime responsibility in making the staffs to observe and follow. Furthermore, they shall take
appropriate action/measures for the observance and adherence of this policy.

1.7. Action Taken By The Bank To Realize Its Visions & Mission
Currently, Siinqee Bank goes various steps to realize its goals and objectives. It has been
opening various branches across the country and launching various products & services to meet
the dynamic needs of the society.

SB implemented various actions to modernize and increase quality of service such as IT

infrastructure, the card banking system, integrated Banking Solution (Core Banking), internet
and mobile banking. It has been approved other e-banking systems across the country.. Even
though the number of mobile & internet banking users are few compared with total population of
the country, the bank has been taking various measures to increase the number of mobile and
internet banking users.

The bank trains its employee in order to improve quality of service deliverance, to develop their
skill and to create awareness on the policy and objectives of the bank. A corporate human
resource development strategy had been developed and implemented such as:-

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 ➢ Competency gap analysis, training need assessment conducted ;

➢ Competency directory and a training curriculum developed;

➢ Agreement signed with international and consultancy firms and higher education
institutions like Frankfurt business & Management university to provide the
developmental training on continuous basis;
➢ Large developmental and technical trainings programs are provided;
➢ Succession planning and career Management system developed;
➢ Performance Management System (PMS) developed and implemented.
The bank establishes reliable information system and database for customer profiles and other
relevant information centrally stored and accessed.

SB has been using various measures to increase its deposit amount, customer base and foreign
exchange earnings. Some of the measures taken by the bank are:-

➢ It creates intensive awareness throughout the country to bring non-banked society to bank
and to mobilize resources.
➢ It uses prize linked saving promotion
➢ Higher interest rate for targeted societies such as Women, Youth teen and student than
ordinary saving interest rate.
➢ Intensive promotion by using various channels such as TV, Radio, Browsers, etc… about
the products & services of the bank.

1.8. Strength, Weakness, Opportunity And Treat (SWOT) Analysis Of The SB

Like any financial organizations Commercial bank of Ethiopia can also be affected by changing
environment. Therefore, it is necessary to know SWOT analysis of the bank. It provides a
strategic SWOT analysis of the bank business and operations.

1.8.1. Strength
✓ Prevalence of participatory work habit.

✓ Employees have ability to serve customers.

✓ Provide favorable service for its employees.

✓ Prevalence of team work among employees

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✓ Good motivation of managers to their work

✓ Presence of better work relationship

✓ Efforts to save expenditure and to give service at least cost

✓ Serving the people for several year with little complaint

✓ Keeping the organizational policy or behavior highly morale workers

✓ The existence of customer oriented service.

✓ The prevalence of team work between employees

✓ Good relationship with other organizations

✓ Wisely utilization of resources.

1.8.2. Weakness
✓ Mismatch between the field workers trained and activities they perform.

✓ Employs of the organization have no opportunity for further education.

✓ Rare existence of well experienced and well skilled man power in the office.

✓ Sometimes there is conflict among employees of organization

✓ Shortage of different working material e.g. paper and computer

✓ Less experienced employees

✓ Heavy work load on one position and less on another position

✓ Miss placement of employees in accordance with their related field of study

✓ Inconvenient working place

✓ Office structure is not convenience for work.

✓ Shortage of information due to scarcity of documentation.

1.8.3. Opportunities
✓ The development and expansion of social institutions (health, school, water project,
telecommunication, road, etc.)
✓ The growing of active community participation

✓ The expansion and growth of financial institutions(non-governmental micro financial

institutions)

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✓ The growing culture of saving.

✓ Employee of the organization have chance to get education opportunity to increase their
education.
✓ Creation of job opportunity for the community of the district

1.8.4. Threats
✓ Budget deficit due to imbalance between revenue and expenditure.

✓ High rate of population growth has a great effect on food security and poverty

✓ Extravagance of budget expenditure in the some sector of the organization Absence of some
infrastructure
✓ Low salary payment to the employees which leads low motivation to the employees.

1.8. Challenges & Problems Of The Organization

Currently the organization has problems that restrict to achieve its goal. Those are:-

✓ The first and the most problem of the organization is budget deficit.
✓ Inadequate transportation system in the district to work with the community.
✓ Dishonesty of some peoples on paying the tax.
✓ Mismatch between the field in which employees trained and the work.
✓ The planned activities and the budget allocated by government are unbalanced.
✓ Different sector of organization does not submit budget and information report within
specified period of time

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 CHAPTER TWO

2. ACTIVITY REPORT

2.1. Background of the department/division where you were working

The Siinqee Bank Beriso Dukale Branch is located in Bule Hora town,that was founds in the
Southern Oromia region, in West Guji zone. And the bank was estabilished during the year
2017.During the year of estabilishment the Siinqee Bank Beriso Dukale branch was started by 14
employees, including the branch manager, now the branch has 8 employees, with 5 males and 3
females,and the other employees has been transferred to another branch of the bank..

The Siinqee Bank (SB) Beriso Dukale branch employees are performing their activities
effectively and honestly Customer service officer department is one of the sectors of Siinqee
Bank Beriso Dukale Branch. It performs its duties and responsibility by setting specific and
feasible goals and objectives which support to speed up customer satisfaction and profit
maximization of the bank.

2.2. Objectives and major responsibilities as well as activities of the department or division

2.2.1. Objective Of The Department

● To ensure standardization and uniformity in the customer service process.
● To smoothly implement integrated banking solutions in customer service process.
● To have single source of reference to perform.
● To determine duties and responsibilities that each employee at all level in the customer
service process

2.3. Objective and Major Responsibilities As Well As Activities Of The Department /Divisio
n
1) Account opening: - there are many types of accounts those are:-
● Saving account – is interest bearing deposit opened by legal and physical persons,
organization and association.
● Demand deposit account – shall mean an interest bearing account opened only by

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 customers who are literate.
● Special demand account – means a no interest bearing account that is opened to full fill the
request of customer who for one not wants interest for their deposit.
● Fixed time deposits – a type of account deposit is received at certain period of time
without movement a minimum of three month and attracts higher interest rate than others.
● Earmarked account – means account opened with other description after the name of the
account holders such as club, business and work shop account.
2) Duties related to customer service
Opening account
Pay cash& receive cash
3) Telegram – that means send outgoing message and receive incoming message from other
branch

2.4. The responsibilities and major activities me as a member of department

As department member we also have the responsibilities of performing the activities of the
department. Based on those general activities, we perform the following specific activities as an
apprentice, when we were participating at Siinqee Bank Beriso Dukale branch.
● We opened account for more than 15 customers by supporting employees
● We check the name, date and signature of the customers honestly by obeying the rules and
regulation of the organization.
● Protecting the office resource from damage.
● we gave different service for department and customers.
● we fill different forms by helping customers.

2.5. Performance Evaluation of my activities

From the first day that I have started practical work on Customer service department;
● we could understand how to deliver bank service to customers.
● we could understand the different type of communications in the organization at all.
● we have good communication with others at work place.
● To ask necessary data I could communicate with my manager from time to time etc....

2.6. Challenges and Problems encountered on the job and remedial measures
There are some problems which affect me on my activities of 15 days. Some of these problems

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are from the organization and some are from customers. As organization some of the problems
are lack of deep information,lack of user (access) for me and others are the problem of light and
network those hinder my activities to not serve customer properly. From customers some
customers don’t care about criteria’s to be fulfilled properly rather than looking only about the
service.
Many people haven't wish to open the account.
No correct order of sender name which is difficult to serve customer
Some customers are careless to respect the employees and rule.
Some of them bring incorrect account which the system is not read. Remedial solution I have
taken
Share idea for them and motivate them as they open the account.
we worked my works more time by standing for the lack of seat.
we have told to branch manager these problems to be minimized.
Through customer we have told to them to fill criteria properly.
we have told to branch manager to find solution how customers fill all.
✓ Low knowledge about the office manner of the bank: - at the beginning time of the practical
work we have a little knowledge of the manner of the bank like wearing & working time.
✓ Low knowledge about the work flow/process of the bank

✓ Low knowledge about the function of office materials/equipment

✓ Low knowledge about the rules & directives of the bank

✓ Low skills about the customer handling of the branch

2.7. Problem of division or department and suggested solutions

2.7.1. Problems of division or department
■ There is a big internet connection problem or network problem.
■ There is inefficiency of some materials like chair, table and so on.
■ Some workers have problems on their behavior and didn’t give proper service to customer.

2.7.2. Suggested Solutions And Remedies For The Problems

In order to overcome the above problems we were took various actions. Some of the actions that
we took to overcome the challenges are:-

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 ✓ By reading and understanding various documents like various Memo and Manuals related
with the bank workflow/process.
✓ By asking senior staffs and manager / supervisory about the workflow, office manner, and
related issues
✓ By reading various books and materials from other sources Induction from
manager/supervisor about the workflow, office manner and customer
■ Asking concerned body to get enough networks that help to provide proper service for
customer.
■ To solve the problems of inefficiency of materials by asking additional budget for the
department and purchasing this materials and make available for the department
■ The office should have hire authors employees as additional.

CHAPTER THREE

3. ATTACHMENT EVALUATION

3.1. Rationale of practical attachement

Practical attachment is an essential for the development of the practical and professional skills
required for a real work and an aid to prospective employment. It helps students the opportunity
to apply knowledge in real work, exposing students to work methods not taught in the university
and as well as assessing students interest in the occupation he/she plans to undertake. In addition
to that it enables to know theories and principles I have learned in a class practically. Therefore,
practical attachment has paramount benefits to my study and to my future career in the field.

3.2. Significance of Practical Attachment

There are a lot of significant of practical attachments for the students, university and for society.
Some of the significances are listed below:-
✓ Practical attachment gives students the opportunity to apply the knowledge and skill
they have acquired on campus in a real-life work situation.
✓ It enables student to be familiar with practical work when they complete their
academic year;

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 ✓ It develops student’s research making skill.
✓ It develops student’s skill to solve challenges or problem that they faced during
academic year or their practical work;
✓ It enables employers to recruit graduates familiarized with practical work
✓ It enhances employability skills of the students.
✓ It helps students’ to develop decision making skills, critical thinking skills, increased
confidence and self-esteem.

3.3. Relevance of Practical Attachment to my studies

Since the main goal of this practical attachment course is producing qualified, confident and
competent students, it has the following major advantages.
✓ Benefiting us by improving my skill and knowledge, increasing problem solving
capacity, changing attitude and preparing for graduation paper.
✓ we have acquired a lot of benefits from practical attachment to my studies. Some of the
relevance’s of practical attachment are stated below:-
✓ Many operational part of the bank are related with theoretical knowledge that I acquired
from my study, so it enables me to develop my theoretical knowledge with practical skill.
✓ It helps me to apply knowledge I gained in the classroom.
✓ Practical work enables me to narrow the gap between theoretical knowledge and
practical skills related with my study.
✓ It enhances learning and understanding of issues relevant to a particular area of study.

3.4. Applicability of theories and others in class on Practical Work

Many of the theories that we learned in the class are directly or indirectly related with practical
work that I observed. Let us see some of the theories applied in the work place.
➢ Principle of marketing used to identifying customers need and want.
➢ Consumer behavior used to know customers behaviour.
➢ Civic and ethical education used to respect bank rules and regulations.
Example: punctuality

3.5. Major challenges and problems that we faced during practical attachment
we faced many problems while I was working this practical attachment. The major ones are the
following:

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 ✓ Shortage of time given for this practical attachment.
✓ At the beginning time they didn’t give me full freedom to do activities independently.
✓ Shortage of some extra or additional working materials like chair and computers for
trainers.
✓ Some employees are not interested for sharing their experience including the manager.

How challenges and problems are solved

The problem mentioned above are solved by:-
we were try to adapt new environment and working condition gradually by studying behavior
of the department member and sharing experience among them.
To solve transportation problem I try to wake up early.
The organization should have to buy additional materials like chair and computers that help
for training.
The organization should give the opportunity for students to participate in a given activities
freely in order to improve their knowledge and producing self- confident professionals.
we have been used the time given by the department in efficient and effective manner.
➢ The practical work duration should be increases
➢ The university should increase budget for practical attachment
➢ The university should be actively involved in assisting students in getting organizations
where they conduct their attachment

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 CHAPTER FOUR

4. SUMMARY,CONCLUSION AND RECOMMENDATION

This part summarizes the findings, discusses the conclusions drawn from the study, and provides
recommendations.

4.1. Summary of the Attachment

The main objectives of this practical attachment was to give students the opportunity to apply the
knowledge and skills they have acquired on campus in a real-life work situation, to expose
students to a work environment, common practices, employment opportunities and work ethics
in their relevant field, to strength linkages between university and employers, and to identify
challenges and problems that students will face on the job after they complete their academic life.
Organizational background, its mission, vision and values, organizational structure, SWOT
analysis, and various challenges and problems that affect organization at current time of SB has
investigated in the attachment.

SB has largest bank in the country and it has huge capital, skilled manpower and more than 403
branches stretched across the country. The organization has the capacity and willingness to
contribute to economic growth of the country by mobilizing resources of the country.

Various challenges and problems that faced organization in general and SB Beriso Dukale
branch particularly in current time has investigated. Some of the challenges of that indicated
above are inflation, lack of infrastructures, lack of awareness about the banks product and service
and competitive environment. In addition to that big internet connection/network problem and
inefficiency of materials are the major challenges of SB Beriso Dukale branch.

4.2. Conclusion

This practical attachment contains information include: introduction,background of the

organization, cardinal issues, missions and vision of the organization,organization’s structure,etc.
It covers background of Sinqe Bank of Beriso Dukale branch.

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The office is standing for promoting gender mainstreaming, women empowerment and
respecting women and child right. Working toward elimination of discrimination and violence
against women and child.

For the company in general and the section in particular as to solve its problem that we observe
during the attachment period. The major problems that face the department are the following.
There is big connection or network problem, specially the first two weeks we started we practical
attachment. There is inefficiency of some materials like chair, table and so on. Some workers
have problems on their behavior and didn’t give proper service to customer. Suggested solutions
for the problems.

Asking concerned body to get enough networks that help to provide proper service for customer.
To solve the problems of inefficiency of materials by asking additional budget for the department
and purchasing this materials and make available for the department. Some misbehavior that
disturb working condition and improperly, must be punished according to rules and regulation of
the organization.

4.3. Recommendation
Based on the findings of the practical attachment, the following are recommended for the
concerned organs:-
➢ The university should increase duration time of the practical attachment.
➢ Service excellence is useful for SB to compete with private banks. The bank should
expand modern banking service Specially E-banking service to its customer.
➢ SB should give due attention for research and development.
➢ SB should take action to mobilize and collect resources from growing economy of the
country.
➢ The university should provide adequate budget for practical attachment.
➢ The university should strength linkages with organizations where the attachment
conducted.
➢ The university should give orientation/induction about practical attachment to their
students. It enables students to become pre-oriented about practical work environment.

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 BIBILIOGRAPHY/ REFERENCE
• Bank siinqee bank.com.et 2021_ Bank of siinqee 2021
• Some oral information from employees
• Information from written documents of organization
• Direct information from the supervisor of the organization
• From employees of organization
• Some from daily activities

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