Debark university

College of business and economics

Department of economics

INDUSTRIAL INTERNSHIP
PREPAID BY: TEREFE BERGENE
ID NO: 1301459

DECEMBER, 2016 EC

Debark, Ethiopia
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 Abstract

Generally, the objective of this practical attachment is to assess berhan

international bank badawacho district shone branch on to performance
measurement. The extent to which berhan international bank badawacho district
shone branch is realizing its visions and missions and performances of the
organization in relation to its objectives.
To increase student’s knowledge and enable student to compare what have learnt
so far in class and what have experienced in practical attachment. To produce well
qualified, self-reliant, active, change agent and real problem solver student.
In addition, the other objective is to investigate equal participation berhan
international bank badawacho district shone branch with other bank to it realizes to
its visions, mission and objective. Not only limited to this but also emphasis the
problems faced by student while performing practical attachment. Thus, practical
attachment suggests solutions and some of policy implication toward reducing the
problems based on finding.

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 Acknowledgment
First of all my deepest thanks goes to God for his endless help and make me to stay
in life to this day and enables me to complete my internship.
I also would like to express my deepest gratitude to Mrs. Zekiwos zeleke who is
manager of berhan international bank, shone branch, for his enthusiastic support
from the preparation until the final discussion of this internship with frequent
follow up my activities and guide me.
I am greatly thanks for my family and friends they had been assisted my schooling
life and to give advice how can I goes with my planning activity to finish my
academic schooling in this university.
Finally I would like to acknowledge all individual and institutions that have helped
me materially and morally during the preparation of this paper.

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Table of Contents
Abstract..........................................................................................................................................................ii
Acknowledgment..........................................................................................................................................iii
CHAPTER ONE...........................................................................................................................................1
1.1 Background of the organization...............................................................................1
1.2 Cardinal issues (mission, values and objectives)......................................................1
1.2.1 Mission.........................................................................................................................................1
1.2.3 Vision......................................................................................................................2
1.3 Organizational structure (how it is organized to achieve its objectives and
missions)..........................................................................................................................3
1.4 Organizational performance (the extent to which the organization is realizing its
goals)................................................................................................................................3
1.6 Suggested solutions or measures to be taken to minimize / solve the problems. 4
CHAPTER TWO...........................................................................................................................................5
ACTIVITY REPORT....................................................................................................................................5
2.1 Background of the department/division where you worked....................................5
2.2 Objectives, responsibilities and activities of the department / division 2.2.1 Objectives..............5
2.2.1 Responsibilities and activities of the department........................................................................5
2.3 Your specific responsibilities and activities as member of the department/division
..........................................................................................................................................6
2.4 Performance evaluation of your activities................................................................6
2.5 Specific problems you encountered as an intern and measures you have taken to
remedy / correct the situation..........................................................................................7
CHAPTER THREE......................................................................................................................................8
ATTACHMENT EVALUATION.................................................................................................................8
3.1 Rationale of practical attachment.............................................................................8
3.2 Significance of practical attachment........................................................................8
3.3 Relevance of your chosen organization / company and your specific activities to
your program (MIS)........................................................................................................8
3.4 Applicability of theories learned in the classroom as performed in the
organization / company (specific area of a course should be mentioned)....................9
3.5 Major problems you encountered in the conduct of summer attachment (different
from the problems of the organization / company)........................................................9
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 3.6 Suggested solutions as improvements in the conduct of the summer attachment
by the Department of MIS...............................................................................................9
CHAPTER FOUR.......................................................................................................................................11
CONCLUSION AND RECOMMENDATION.............................................................11

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 CHAPTER ONE
1.1 Background of the organization
The service of banking was started many years ago in Ethiopia. It dates back to the
establishment of the bank of Abyssinia in 1906 by Emperor minilik ll. Bank of
Abyssinia was legally replaced by Bank of Ethiopia shortly after Emperor Haile
Selassie came to power in 1931. After the Ethiopia victory over fascist Italy the
state bank of Ethiopia established by proclamation issued in august 1942. In April
1943, state bank of Ethiopia commenced full operation and acted as the central
bank of Ethiopia. Commercial Bank of Ethiopia was legally established in 1963.
After the fall of socialism the first private bank Awash International Bank, was
established in 1994. After 1994 different private Banks were established. As of the
most current information available up to 2024, there are 17 private banks operating
in Ethiopia. These banks play a significant role in the country's financial sector,
offering various financial services to businesses and individuals across the nation.
From these one is birhan international bank. Berhan Bank S.C was formed in accordance
with Article 304 of the Commercial Code of Ethiopia with the objective of operating in the
banking industry. This objective has been ensured in Article 3 of the Memorandum of
Association of the Company. The Bank was registered and licensed by the National Bank of
Ethiopia on 27th June, 2009 with an authorized capital of Birr 300 million and subscribed capital
of Birr 154.7 Million divided into shares of 1000 Birr par value each. .
Berhan Bank has
continued to expand its presence throughout Ethiopia, steadily increasing the
number of branches across various regions. While the specific number of branches
may change due to new openings or other operational factors, the bank has been
actively growing its network to better serve its customers. With over 350 branches & e-
banking solutions Berhan Bank's services are the following

Shone Branch is one of the branch of berhan international bank. It has been
established in 2017. It was located in hadiya zone, badawacho wareda, shone
town. berhan international bank os shone Branch has only 17 employees and 60522
customers as September, 2023.
In general by adopting or accepting different modern working technical of BIB
SHONE branch tries to achieve its vision, mission and to bring desire economic
development in the country.
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1.2 Cardinal issues (mission, values and objectives)

1.2.1 Mission
“We root our foundation in communities to provide banking solutions that create
greater customer experience with emphasis to cooperatives and agro-based
businesses through proper use of human resource and up-to-date technologies to
maximize stakeholders’ value.”

1.2.3 Vision
“To be the leading private bank in Ethiopia by 2026.”
 Value
 Integrity – we value Qualification of being honest, fair, disciplined and
open. Having moral uprightness and doing what is right.
 Customer satisfaction-We:-
Strive to provide quality customer service/product.
Respect clients understand their and wants and do the best to fulfill their
requirements.
 Learning Organization-we:-
 Qualifications of being honest, fair, disciplined and open.

Having moral uprightness and doing what is right.

Adherences to ethical standards

 Customer Satisfaction-we
Strive to provide quality customer service/products.

Respect clients, understand their needs and wants, and do the best to fulfill their
request.

Meet/exceed customer expectations.

 Learning Organization- we
Facilitate learning and continuously transform ourselves.

Learn from our experiences, Disseminate the knowledge throughout bank;

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Transform new knowledge into action, Encourage an ability to see the big picture;

Build a common sense of purpose and commitment (shared vision);

Are adaptable to change;

1.3 Organizational structure (how it is organized to achieve its objectives and

missions)
Organizational structure is the most important part for office to achieve its
objectives and mission

 How the organization is organized to achieve objectives and mission ?

All departments in this organization are related to each other. The other department
can control the activity of other. Also on their daily activities they must report to
the body which controls each department. Also they control each other to minimize
the problem on job, to be fair and acceptable by every department. To achieve the
objective and vision they obey responsibility for the job given to all departments.
Let we see to how they control each other;
The customer service officer reports the daily activity to the A/senior customer
service officer. Also pass all physical tickets done on transaction daily to the
branch controller to ensure their activity by comparing the recorded transaction on
the system. A senior customer service reports his or her activity to the customer
service manager. Customer service manager reports to branch manager. Branch
controller passes all tickets to senior branch controller after ensured the balance on
physical counted tickets and on system became equal. Then senior branch
controller again check and report to branch manager. So finally all activity in bank
is controlled by the manager of the bank.
1.4 Organizational performance (the extent to which the organization is
realizing its goals)

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1.5 Current problems observed that affect the organization
 Lack of the most saving habits in the society.
 High competition from aggressive expansion of financial institution
 Wastage of resource like use telephone line for personal call sometimes.
 Inefficiency of office materials like computers, furniture and others when
compared to the number of customers.
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  There is big connection or network problem, specially the first two weeks
I started my practical attachment.
 There is inefficiency of some materials like chair, table and so on.
 There is inefficiency of employer.

1.6Suggested solutions or measures to be taken to minimize / solve the

problems
The possible solution I suggested for such problems are the following.
 The organization should have advise the society in order to strength their
saving habits.
 The organization should have provide a quality service for its customer to
being a good competitor in the market
 The organization appraisal system should be based on efficiency and
effectiveness.
All employer of the organization be loyal and protect resource of the organization
from wastage

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 CHAPTER TWO
ACTIVITY REPORT
2.1 Background of the department/division where you worked
berhan international bank which I was worked is found central ethiopia region in
shone town. It established in 2017 G.C
2.2 Objectives, responsibilities and activities of the department / division
2.2.1 Objectives
To ensure standardization and uniformity in the customer service process.

To smoothly implement integrated banking solutions in retail banking operation of

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.

To provide efficient and quality service to its customer

2.2.1 Responsibilities and activities of the department

Account opening: - there are many types of accounts those are:-

Saving account – is interest bearing deposit opened by legal and physical persons,
organization and asassociation. It has many categories such as:

a. Ordinary saving account.

b. badawacho-Women's saving account.

c. Youth saving account.

d. Gamme-Junier account.

E special saving account.

f. Non-Interest/Alahuda bearing saving account.

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Demand/Checking account – It consists:

a. Ordinary demand deposit account:- It is current or checking account which is a

non-interest bearing.

b. ECX (Ethiopian Commodity Exchange) related demand deposit account:-

special pay in or pay out account for the members of the ECX to facilitate the
trading of commodity of ECX.

C.Special demand deposit account:-It is a checking account which bears interest

less than the minimum interest rate of saving account.

 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.
 Other deposit (such as interest free banking deposit product).
2) Duties related to cash
 Cash withdrawal
 Cash deposit

3) Telegram – that means send outgoing message and receive incoming message
from other branch.
4. Handing foreign exchange – exchange of other currency into birr.
5. Checker activities – means checking daily tickets which are filled and written
manually, by comparing the information and balance existing in the computer
system.

2.3 Your specific responsibilities and activities as member of the

department/division
 To ensure standardization and uniformity in the customer service process.
 To smoothly implement integrated banking solutions in retail banking
operation of 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.
 To provide efficient and quality service to its customer.

2.4 Performance evaluation of your activities

From the first day that I have started practical work;
 I have understand how transaction is made
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  I have understand the difference between domestic and foreign transaction
 I have good communication with others at work place.
 I have understand how to do bank reconciliation.
 I have understand how to do a report.
 To ask necessary data I could communicate with my manager from time to
time etc…
2.5 Specific problems you encountered as an intern and measures you
have taken to remedy / correct the situation
There are some problems which affect me on my activities of 45 days. Some of
these problems are from the organization and some are from customers. As
organization some the problems are lack of seats, lack of user (access) for me and
others are the problem of connection 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.
 Some of them don’t sign on the ticket and some signature on the ticket
and on the book are different
 No correct order of sender name which is difficult to serve customer
 Some are careless to respect the employees and rule
 Some of them bring incorrect account which the system is not read
 some of them bring account of other bank
Remedial solution I have taken
 By using the user of my friend I have done my activities with my
friend
 I worked my works more time by standing for the lack of seat
 I have told to branch manager these problems to be minimized
 Through customer I have told to them to fill criteria properly
 I have told to branch manager to find solution how customers fill all
criteria

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 CHAPTER THREE
ATTACHMENT EVALUATION
3.1 Rationale of practical attachment
Rationales of the practical attachment are the practical reason to decide how
to act on the attachments some of the following listed is reason of practical
attachment.
 It is for the case that the apprentice to realize the theory in class to real
world through practice.
 It is for that the apprentice should compare and contrast the economic
thought with practical work
 It is that how the problem is identified and the solution is found It is
for that the apprentice to check the relation he/she has with others on
work etc.
3.2 Significance of practical attachment
Since the main objective of this practical attachment course is producing
qualified, confident and competent students, it has the following major
significances.
 Benefiting students, by improving their skill and knowledge, increasing
problem solving capacity, changing attitude and for preparing graduation
paper
 It will minimize training cost incurred by employers
 Benefiting university in such a way that can produce well trend man power,
gathering information for problem solving researches

3.3 Relevance of your chosen organization / company and your specific

activities to your program (MIS)
From starting date of my practical attachment as the general with the branch and
particularly with the department there is good connection with my study how data
of customer protected properly. Theoretically since I have studied about database
management system in my practical study how protect of that database this
organization is relevant with my practical study. In other way as general as
organization there is also good connection with my study that for that transaction
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is the department of the organization and my study is related with it that has
relation with accounting again the organization and my study has good connection.

3.4 Applicability of theories learned in the classroom as performed in the

organization / company (specific area of a course should be mentioned)
Applicability of theories in practical work environment is very interesting and
important. In MIS field there are many theories that applied on real world. Some
theories which are applicable when I conduct this practical attachment are the
following.
 The theories of microeconomics for showing how to maximize profit and
creating customer satisfaction.
 The application of how to create account and protect account of user.
 The About networking the cable they used and how to connect the entire
computer.
 The theories of principle accounting used to prepare workers payroll
 The theories of principle of accounting how to done bank reconciliation .
 From English point of view we can get how to write report correctly and
fluently.
3.5 Major problems you encountered in the conduct of summer attachment
(different from the problems of the organization / company).
I faced many problems, during I work this practical attachment the major ones are
mentioned as follow as:-.
 Since I am fresh with job of that organization there is full fear on the first
day of 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.
 Their working computers have a secret password.
 The staff employed they are only user of the system they don’t know how it
works especially on the topic MIS like on the IT,IS and generally on
technology related area they have no so much awareness..
3.6 Suggested solutions as improvements in the conduct of the summer
attachment by the Department of MIS
The problem mentioned above are solved by:-
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 I was try to adapt new environment and working condition gradually by
studding behavior of department member and sharing experience among
them.
 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.
 The organization should have to prepare other computer for training in
addition to the working computer.

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 CHAPTER FOUR
CONCLUSION AND RECOMMENDATION
4.1 Summary and conclusion
This practical attachment contains information, include introduction, background
of the organization, cardinal issues, goals of the organization, organization’s
structure, etc. It covers background of berhan international bank shone branch. 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
I observed some issues like the professional status of the staff members,
punctuality of the staff members and gender in the organization.
Generally, I gained some experience due to this practical attachment such as
how to work in cooperation with other, etc. The main problem I found,
society have low information about banking system, negative attitude of
society toward the term bank and department. Lack of information and lack
of enough time are other problems; however, I tried to do my best in order to
overcome or give related solution to those challenges.
Recommendation
While doing my practical attachment, I observe some issues in the
organization. Therefore, I would like to suggest on some issues that I
observed during accomplish my practical attachment in badawacho district
at berhan international bank shone branch. Firstly, I would like to suggest on
the effort of the office toward promoting development of bank system study
area. Banking system is the process of treating every banking activity and is
also way creating relationship with customer. It is the development issues
that recognize the involvement (participation) of both man and women in
development process.
However, the office is lag behind in order to promote growth which is the
backbone of development. This is due to lack of enough information in the
organization which play a great role in order to meet its objective. The
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organization needs to change this situation by looking for bank expert which
play a great role in order to promote banking system.
Finally, I would like to suggest to BIB of SHONE have to work properly to
achieve their goals and also to address other problems by working in
cooperation with other governmental and non-governmental organization.

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Appendix
Student Performance Evaluation Form as completed and signed by your
supervisor

The document should not be less than 15 pages, but not more than 20 pages
Students should Submit Both Hard copy (To Department Secretary-via
representative) and Soft copy (to their Advisors) within 3 days after
registration.
Advisors shall arrange presentations and submit grades to the registrar
within two weeks from registration day.
Each individual presentation will be for 10 minutes
The use of visual aids (i.e. PowerPoint presentations including On job
pictures and videos) is highly recommended.