ARBA MINCH UNIVERSITY SAWLA CAMPUS

COLLEGE OF COMMERCE AND BUSINESS ADMINISTRATION

DEPARTMENT OF LOGISTICS AND SUPPLY CHAIN MANAGEMENT
AND PRACTICAL ATTACHMENT REPORT IN COOPERATIVE BANK
OF OROMIA IN DINSA BRANCH

NAME: ElIAS ALIYI

ID NO :SSHR/644/14

ARAB
MINCH ,ETHIOPIA

SUBMITTED DATE :1/8/2024

DURATION OF TIME 1 MONTH

DECLARATION
I here by declare that all information in this document has been obtained and presented in accordance
with academic rules and ethical conduct. I also declare this, as required by these rules and conduct, I
have fully written tDhis report based on truth and cited all activities and duties that I underto

hile on practical attachment Therefore I declare that this material is original.

Acknowledgement
First of all, I would like to thanks God for helping me to success fully complete my break practical
attachment.

Secondly, I would like to give my sincerely thanks to Arba Minch University, especially college of
business and economics giving me a great chance of practical attachment in break and thanks to the
whole staff of the management department .Then I also thanks, to Cooperative bank of oromia (CBO) in
dinsa town dinsa branch.sincerely manager of dinsa branch mr.sisay and staff members to accepting
this program and give necessary materials, information and awareness about the task for doing this
program. I have great thanks for my family they had been assisted my schooling life and to giving advice
how can I go with my planning activity to finish my academic school 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.

Executive Summary

Generally, the objective of this practical attachment is to assess the cooperative bank of Oromia in dinsa
branch to performance measurement.The extent to which dinsa Cooperative bank is realizing its visions
and missions andperformances of the organization in relation to its objectives.To increase students’
knowledge and enable student to compare what have learnt so far in class and what have experienced
in 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 dinsa Cooperative bank in
dinsa 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

II
Table of content Page
Declaration…………,………………………………………………………I

Acknowledgment…………………………………………………………..II

Executive Summary………………………………………………………III

List of figure………………………………………………………………IV

List of Table……………………………………………………..…….…V

Chapter One

Background of the organization……………………..………………1

Description Of located Organization………………………….…....4

1.3. issues (mission, value, vision, and objective)…..............4

1.4. Organizational structure …………………………………………..6

1.5. SWOT analysis of the organization……………………………….6

1.6. Problems the organization is currently facing……………….…..8

1.7. Suggested solution for the identified problems………………...…8

Chapter Two

2. Activity report………………………………………………………..10

2.1. Background of the department …………………………………….10

2.2. Objectives the department…………………………………………..10

2.3. Major responsibility and activities of the department ………………12

2.4. Responsibilities what was expected to perform from me as a member of the department….13

2.5. Performance evaluation of my activities ………………………………13

2.6. Problems encountered on the job and remedial action I have taken…..14

2.7 Suggested solutions for the problems … ………………………………15

Chapter Three

3. Attachment evolution…..........................................................................15

3.1. Rationale of practical attachment…………………………………….15

3.2. Significance practical attachment……………………………………..15

3.3. Relevance of the organization and my activities to my study….....16

3.4. Applicability of theories and other learned issues in class on real world or practical work
environment…………………………………16

3.5. Major problem that I faced during the attachment….....................17

3.6. Suggested solution and way forward for attachment…………………..17

Chapter Four

4. Conclusion and recommendation …...................................................17

4.1. Conclusion………………………………………………………………17

4.2. Recommendation………………………………………………………18

Reference…………………………………………………………………19

Appendices…………………………………………………………………19

CHAPTER ONE

1. Organizational Report

1.1.Background of the organization

The Cooperative Bank of oromia (CBO) was established in 2004 in accordance with article 304
commercial bank of Ethiopia. it was established in line with proclamation no.84/1994 with
authorized capital of Birr 300 million. it was started operation on 8the

march 2005, with paid up share capital of Birr 112 million. Cooperative Bank of oromia

aggressively expanded its branches. Throughout the country. The bank currently operates with
295 branches and 34 sub branches. Cooperative bank of oromia is a private commercial bank of
Ethiopia, as a December 2017, the bank has more than 3,237,705 account holders and above
3,138 agents spread throughout the country. Cooperative Bank of oromia has ETB 21.5 billion
asset, ETB 1.7 billion capital and ETB 18.3 billion deposits. CBO plays a critical role in the
economic growth and development of the country. The bank is also among the fastest and
reliable money transfer service giving through SWIFT Code,CBO rate and 16 international
money transfer agents its also provide IFB (interest free banking)through Halal cards(ATM),it is
also started working with the western union money transfer service in Ethiopia and currently
working with various money transfer agents like Money gram, Xpress money,Ria Dahabshil.
The Cooperative bank of oromia is Besides, there larger business Malpractices exercised by
unethical traders against the rural economic agents taking as an advantage over the low
experience/exposure of the rural people to use financial/banking services.it was these all motives
(problems)the initiated the inception and establishment of Cooperative Bank of Oromia.The idea
of founding the bank,therefore,emanates from the gap of financing rural farmers and
Cooperative.as Initially the idea was to establish a typical Cooperative bank in Ethiopia.yet,there
is no legal provisions that allow to establish a cooperative bank in the country.

Mr.Haile Gebre Lube is regarded at the founding father(proponent)of Ethiopia's cooperative,who

headed the government's Bureau for Cooperative In the 1990's.for him, the best way to fight
poverty is through Cooperation.

It was, thus, his idea to establish a cooperative bank in Ethiopia "Cooperative businesses are
different to other businesses, it is self-contained: members are producers, seller’s buyers and
consumers.”

"When I presented the idea of establishing a cooperative bank to one of government officials, I
was told it's an illusion impossible to raise sufficient funds from farmers."

"Establishing a bank shouldn't have to be the end of the story. Our vision is transforming the
society."

"Finance plays an unprecedented role in technological progress and human capital formation,
which again, are the key determinants of economic growth."

Mr. Haile Gebre

Project office formally established entrusted with the responsibility and duty of;

√ conducting business viability,

√ Drafting guidelines and regulations for official start up,

√ Managing the legal incorporation, and

√ Managing day to day activities undertaken to establish the bank.

Figure1:The floor of current Head Quarter of Cooperative Bank of Oromia

Oromia cooperative bank of dinsa branch is one of the branch of cooperative bank of oromia and
it is a town in dinsa located East Bale zone, it has an elevation of 2534 meters. This
town is 135km far away from the center of Bale Robe and also it is the principal town
in Gololcha Woreda of Oromia region.

Dinsa is also one of the branch of Cooperative Bank Of Oromia that was Established in 201 3
E.C. this bank started the job with authorized capital 10 and 12 employees for the first time

1.2 its main customers or the end users of its products or services
merchant

Farmers

Students

Civil servants .etc

1.3 its overall organization and work flow

Cardinal Issues of the (mission, value, vision, and object)

Every organization is established with its own mission, vision and values which answers a
question like why an organization established what its goal and purpose of the organization and
other related questions, so those issues are a back bone of the organization for what it stands, like
any other organization CBO in dinsa town dinsa branch, in general have its own mission, vision
and values these are discussed below.

1.3.1 Mission of the Organization

They are committed to root their foundation in societies to provide banking solution that create
greater customer experience with emphasis to cooperative and agro based businesses through
proper and utilize use of human resource and up to date technologies to maximize stock holders
value

 Practice saving habit to resource usage

 Training workers for sustainable economic development.
 Develop new idea to improve economic policy and other idea for economic use
 We root our foundation in communities to Provide Banking Solution that create greater
customer experience with emphasis to cooperatives and Agro-Based Businesses through
proper use of Human resource and update technologies to maximize stockholders value.
1.3.2 Vision of the organization
√ To be The leading Private Bank in Ethiopia by 2025

√ To be dynamic, well equipped, worldwide known and recognized center of excellence in

competence based training, research and consultancy services in business and related disciplines.

1.3.3 Values of the organization

 Integrity: we are committed to the highest ideal honor and integrity
 Customer Satisfaction: we strive to excel in our business and satisfy
our customers
 employees: we recognize our employees as valuable organization resource
 Quality service: we are committed to offer quality service to our customers and
aspire to be branded with quality in the minds of our customers and the general
public
 Team Work: we recognize the importance of team work for our success
 corporate citizenship: we value the importance of our role in societies
development endeavor and step _up for commitment
 Cost consciousness
 Concern for community
1.3.4. Major Service the Objective of the organization
Every organization is established for their own objectives.so Cooperative Bank of Oromia has
the following 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 employees 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.
 Create and promote partnership linkage with similar unions operating in the banking
and insurance industry and others.

1.4. Organizational Branch Structures

i. General body. The apex body of cooperative bank of Oromia in dinsa
branch is the general body of shareholders /owners of the bank who have the
basic right to decide the objective, the existence and operation of the bank.
ii. General assembly: The general assembly elected representatives, the boards
of directors to whom all the powers to run the bank are based upon.
iii. Board of directors: Boards of directors hired the general managers of the bank.
iv. Executive managers. They are who interested to perform the function relating to policy
matters, implementation and supervision.
v. Functional departments: at head office levels and branches are in charges of the
implementation of policy and strategies of the bank.
1.5 SWOT ANALYSIS OF THE CBO in chelenko town chelenko branch
1.5.1 Strength of the CBO in chelenko ,chelenko branch
The strength of CBO that noticed in the branch during my professional are;

 Good initiation to organize

 Staff Commitments
 Fast services for transferring money
 Good customer service
 Availability of necessary resource
 team work and service quality
 increased potential for saving
1.5.2. Weakness of the CBO in dinsa , dinsa branch
The weaknesses of CBO in dinsa that noticed in the branch during my professional are;
  Poor management
 Lack of experienced worker due to replacement within a short
period of time.
 Lack of shortage of skilled man power
 Lack of work inefficiencies
 Lack integrity
 Poor market area selection
 Poor network utilization insufficient working area for
storing money

1.5.3 The opportunities are as follows

 Low house expense at out lay branch
 Availability of customer at out lay branch
 Experienced employees available
 There a willingness customers to use the bank if they are aware
enough
 Their business sector is expanding with many future opportunities
for success
 Local government wants to encourage local business
 Their competitors may be slow the adopt new technologies
 Communicate and follows former foreign customers
 Communicate by phone others by collecting information from the
foreign customer

1.5.4. Treats are as follows

The following are the serious treats under consider

 Lack of awareness of customer to use bank service
 Lack of access to get new customer at rural area
 Global financial crises
 Poor saving culture of the societies
 Development in technology may change this market beyond their ability to adopt
 Small change in the focus of a large competitor might wipe out any market position them
Achieves.
  Intense competition and the distance that the bank has from its head quarter center.
 Bad economy and bad wealth condition of dinsa branch.
 Government regulation Establishment of the bank nearer to dinsa rever may
create loss.
1.6. Problems the organization is currently facing
there are problems that affect the department and a problem encountered me on the job.

Problems currently affecting the department and some solutions

1.6.1 The major problems that face the department are the following.

 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.
1.7 Suggested solutions for the Identity problems of CBO, dinsa branch In dinsa Town:

 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 bank should be encourage employees to focus on the major targets by setting cut a
goal and plan to execute those goal and work hard towards achieving them
 The manager must inform to the district and to higher body to solve the problem of
worker.

The CBO in dinsa branch can reduce its problem by the following solution;-

 Giving education and training for employee depending on their performance efficient.
 The bank should encourage employees to focus on the major targets by setting out a goal
and plan to execute that goal and work hard towards achieving them.
 The bank should make efforts to improve the team work between its works improving
team work in the work place can be achieved in several ways.
 Implement recognition programs for groups that have good performance.
Encourage social activities by building a sense of camaraderie by
formulating team activities.
 Outline clear roles: boosting team work abilities by outlining clear roles for
each of the members. Identifying the existing problem: encourage group
members to discuss issues collectively instead of letting the problem fester
and grow larger
 Mediate disputes: provide detailed instructions on how to issues that arises
  among team members.
 The bank should invest in service training like having the employees take customer
service similar, train new workers on quality and service as they start work, make sure to
communicate welcome with their body language as well as their words and selling
 And identifying the way that risk will occur and providing pre loss solution.

CHAPTER TWO

2. Activity Report

2.1 How you get into the company,

Foreign transaction is one of the departments of the organization in CBO dinsa branch. This
transaction is always worked only on foreign remittance transaction. Related to this department
there are money sender institution in the world which used to money transaction from country to
country. Western Union, Money Gram, Xpress Money, Atlantic International (Bole) and
Dihabshil are some of these agents.

These institutions are different from banks, that banks transfer money only in domestic country.
But these institution transfer money every where from country to country in the world. These
institutions convert all currencies to USD and send to the beneficiaries or receivers in the
country. So this department receives that money from this institution after converted to USD and
serve the customer in domestic currency (birr)

2.2 In which section of the company, you have been working in

 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.

2.3 How does the work flow in the section look like

Major duties and responsibilities of the department

During my professional practical in CBO in dinsa town dinsa branch, I have been assigned
under customer service .I have participated under the work filed

1) By opening account for new customers such as saving account: it is an interest bearing
deposit with CBO by physical and legal persons (individual,groups,organization as well as
association and union) who can met the books criteria. The minimum balance to open saving
account is 50 birr in CBO
 Cash.....................*****

Saving account........... *****

To saving account in the name of customer

# Accounting treatment when customer withdraw saving account

Saving account..........*****

Cash......................*****

To record withdrawal of principal only

# Interest is updated monthly after open the account

Interest expensive...............*****

Cash....................*****

I. Demand deposit account: it is a non interest bearing account and it is current or

cheeping account. The minimum amount of money required by the CBO to open demand
deposit account for individual operators. Birr 500.
II. Fixed time deposit account: it's a kind of deposit account recited for specific period of
time with attractive Interest rate based on negotiation.it bears interest only for specific
time. The minimum become which is acceptable for this fixed time deposit is 100000
III. Staff accounts: a staff of CBO's can open both savings and current account. A staff
should be treated like all other individual accounts. No staff should be authorized to
handle any transitions related to her/his accounts.
IV. Gemme Junior account: anopened for under age individuals and administered by their
parents.
V. Sinqe woman saving account:tailored for women above 30 years of age. Top savers are
VI. Entitled to attractive interest rate and loan facility based feasible business plan.
2) Telegram – that means send outgoing message and receive incoming message from other
branch and by entering this on the computer system.

Our going telephone transfer

Cash.....................*****

Head office TT...........*****

To record customer come to transfers

Incoming TT received from other branch

 TT received ..............*****

TT payable............*****

To record received message

When customer take TT

TT payable..............*****

Cash..................*****

To record cash paid to customer

3) Handling foreign exchange – exchange of other currency into birr.

4) Checker activities – means checking daily tickets which

2.4 which work piece or work task you have been executing
 Preparing cash receipt and collecting daily revenue.
 Making salary and fund payment.
 Receiving credit in advance.
 Recording the approved payment on the ledger.
 Based on finance plan of fund preparing payment and deduct from the budget
 Approving the prepared payment document.
 Preparing the bidding documents and bidding schedule.

2.5 What procedures you have been using while performing your work tasks
The major Responsibility and Activity of the department
Foreign transaction is as one of the departments of the organization to win their vision and to be
the good competitor with others it has objectives. Also to serve the customers on time as their
need to make CBO to be the world class as general and the most service giver particularly in the
country or particular place.

2.6 How good you have been in performing your work tasks

Responsibility what was expected to perform from me as a member of department?

This department also has the responsibility to fulfill the role given to it as branch. Some of the
responsibilities are; Serve customer due respect of law and the love sprit of customer, respect and
present on time of work and report all files as time listed are some of the responsibilities of the
department.

Activities of the Department

 Serve customer in money received as remittance by converting to birr

 Make withdrawal and deposit for customer
  Check the name, signature and date of the customer
 Report a daily recorded and weekly
 Check the ID card of customer to be renewed before serving them
 Buy some counties foreign currency

Since I am one of the members of the department of foreign transaction I have the responsibility
to obey and daily activities in the organization. To serve the customer I have to present within
the working time and do the role given to me. To avoid mistakes in the process I have to work
properly and contribute to be valuable works to the organization. I perform the following specific
activities when I was participating at Cooperative Bank of Oromia dinsa branch.

When buying foreign currency check to be normal Check the name,date and Signature of the
customer to be filled properly

 Check the exchange rate daily

 Check the arrival of security number of beneficiary from sender
 Record the daily changed exchange
From the first day that I have started practical work;

 I have understand how transaction is made

 I have understand the difference between domestic and foreign transaction
 I have good communication with others at work place.
 I have understood how to do bank reconciliation.
 I have understood how to do a report.
 To ask necessary data I could communicate with my manager from time to time
2.7. What challenges you have been facing while performing your work tasks

There are some problems which affect me on my activities of 20 days. Some of these problems
are from the organization and some are from customers. As organization same the problem are
lack of seats, lack of user (access) for me and other are the problem of connection and network
those hinder my activity to not serve customer properly. From customers same customer’s don.t
care about criteria 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

 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
In case of division in the organization there is no many problems on the different division. Since
all departments work their roledifferentiallythis division minimizes the problem. Also the
division of works controlled by another department and if there is a mistake the correct the
problem together. Not only that all department takes the risk of the problem occurred by their
activities they work properly. But in some department to work efficiently and effectively in the
organization there are some employer who are not trained well those hinder the bank to give
efficient service to the customers.

Some of the suggested solution as branch are giving well training for employer before starting
job, since all employers work on all department by shift the company must teach the them on all
department to work well and examine the employer from time to time as well as control
employer not only with the system also physically.

2.8 what measure you have taken in order to overcome these challenge
 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 manager must inform to the district and to higher body to solve the problem of
worker.

CHAPTER THREE
3. Attachment Evaluation
3.1 what you gained in terms of improving your practical skills
Rationales 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 make strong the relation he/she has with others on work etc.
3.2 Significance of Practical Attachment
Since this practical attachment is the connection between theory in class and real world it has
significant. Some of the significance of this practical attachment;

 Help to know and compare the relationship between the theory and real world
 To increase the confidence of students on future work
 To identify the problem in the company for necessary solution
 Help to apply the theory in class for future expected activities
  Help for students how to identify and find solution for problem
 Help to teach others the acceptability of theory in class
 Increase confidence of student for research and etc.…
3.3 Relevance of organization with my study
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 in foreign remittance transaction.
Theoretically since I have studied about foreign transaction in class and in my practical study
how to make transaction of that remittance 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 the
foreign transaction is the department of the organization and my study is related with it that has
relation with International trade department again the organization and my study has good
connection.

3.2 what you gained in terms of improving your theoretical knowledge

Applicability of the theories and others in real world or practical work

In my practical study in CBO in dinsa branch there are many points that I have learned in class
and the same with my work in practical study.

 The theories of microeconomics for showing how to maximize profit and creating
customer satisfaction
 The theories of principle accounting used to prepare workers payroll
 The theories of international trade used to show exchange of currency.
 From English point of view we can get how to write report correctly and fluently
International Economics course says that USD is as the international unit of currency which
every countries currency converted to other currency. Also in my practical work the money
sends from other countries as the remittance is after converted to dollar.

In Micro economics the course shows about cost advantage. It says that when there are many
competitors in the market to gain more profit it needs more cost. In production company to get
more profit than the other it needs additional demand for worker which increases the wage of
employer. In International Economics also again there is the point talk about the effect of
exchange rate between two countries. As it show if the dollar to birr exchange rate become
increase the birr depreciate against dollar. However it shows that the depreciation of birr is good
to increase the export and decrease import which is advantage for the country.

3.3 what you gained in terms of improving your interpersonal communication

Major problems faced me during the 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.
Lack of the data of the organization as the branch

 The problems related to this is how to start to write the report whether as whole or as
branch
 To keep the secret of the organization the manager didn’t give me response about the
problems currently faced the organization
 The main problems faced me on this practical attachment are the problem of lack of the
seat and user which affect me to not work as expected.
3.4 what you gained in terms of improving your team playing skill
The problem mentioned above are solved by:-

 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.

3.5 what you gained in terms of improving your leadership skills

3.6 what you gained in terms of understanding about work ethics related
issues

3.7 what you gained in terms of entrepreneur skills

Chapter four

4. Conclusion and recommendation

4. 1. Conclusion
This practical attachment contains information include background of the
organization, cardinal issues, goals of the organization, organizations, structure,
etc. It covers background of cooperative Bank of Oromia dinsa branch in
chelenko . 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.

4.2 Recommendations
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 at cooperative bank of Oromia dinsa
branch.

The following are the possible recommendations for the advancement of the bank:

 The Bank has to ask concerned body to get enough networks that help to
provide proper service for customer.
 The in efficiency of material like Chair, Table can be solved by increasing
the availability of such materials on department.
 Good initiation and capacity building for employees
 The organization should have well-organized and structured data
 Each employee should be responsible for their activities to achieve
objectives of the organization.
 The organization should develop transparency among employee
 Hard working culture should be developed in the organization to come up
with the realization of its visions and objectives.
 In order to reduce problems that arise with practical attachment program and
to ensure its mission, universities should develop a system of direct relation
with host organization.
 The relationship between higher education and different organizations has to
be strength for the effectiveness of practical attachment.
 To give necessary skills, practical attachment, program
 Finally, I would like to suggest to CBO of dinsa branch in dinsa town 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.

Reference:

 The annual report of the company by the AUG ,2022

 The website of the organization; www.CBO.et, http//www.CBO
 servlet/PROD/Browser service
 The interview, information from the employers of the organization

 The daily and weekly activities.

 Manager and vice manager.
 Staff members generally.

APPENDIX

1. CBO............. Cooperative Bank Of Oromia

2. TT…………Telephone Transfer