Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal Sharia Oikonomia Law Journal
Legass, Habtamu Alebachew
Unknown Affiliation
Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Factors Affecting Consumer Behavior Toward Purchasing Motor Insurance Policy in the Case of Selected Insurance Companies in Ethiopia Legass, Habtamu Alebachew; Seid, Aragaw
Sharia Oikonomia Law Journal Vol. 2 No. 1 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/solj.v2i1.729

Abstract

This study examines the factors influencing consumer behavior in motor insurance policy purchases. It investigates the impact of demographic, cultural, social, economic, marketing, and psychological factors on consumer behavior. The research follows a quantitative approach, employing an explanatory and descriptive research design. Convenience sampling was used to select 384 respondents from a pool of 9,657 motor insurance policy users in Dessie Town, specifically from Awash, Global, Nib, and Nyala Insurance Companies. Data was collected through a questionnaire and analyzed using descriptive statistics and inferential analysis techniques such as t-tests, correlation, multiple linear regression, and one-way ANOVA. After the data collection, coding, recording, and analysis via SSPS 23 software. The findings indicate that demographic factors like age, gender, education, and religion do not significantly influence consumer behavior in purchasing motor insurance policies, except for income. However, variables such as attitude, awareness, perceived risk, and premium demonstrate a moderate relationship with consumer behavior. Regression analysis reveals that, except for attitude, the independent variables of awareness, perceived risk, and premium positively and significantly impact consumer behavior in motor insurance policy purchases.
Urbanization and its Effects on Environment and Socio-economic Sustainability; Evidence from Dire Dawa, Ethiopia Mekonnen, Dawud Chane; Legass, Habtamu Alebachew
Sharia Oikonomia Law Journal Vol. 2 No. 4 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i4.1748

Abstract

The impact of urbanization on environmental sustainability is a critical issue that requires careful planning and management to ensure positive outcomes. This study aims to assess the effects of urbanization on urban environmental sustainability. A descriptive research design was employed to achieve this objective. Out of nine urban kebeles, five were purposively selected based on their relevance to the study. The sample size consisted of 394 respondents selected from a total target population of 29,932. Both primary and secondary sources of data were utilized, including questionnaires, interviews, observations, and document reviews. Data analysis involved the use of percentages, frequencies, diagrams, and charts. The findings revealed that rural-urban migration was a primary driver of urbanization, leading to rapid urban growth and associated challenges. Sustainable urban development initiatives were found to be inadequately implemented, resulting in the overconsumption of natural resources, improper waste disposal, and deforestation. While urbanization brought positive effects such as job opportunities and improved infrastructure access, negative consequences like informal settlements, crime, and high living costs were also evident. The study highlighted a lack of government focus on urban sustainability, emphasizing the need for increased agricultural development in rural areas to curb migration. Recommendations included stricter enforcement of laws, community training on environmental conservation, and the implementation of sustainable practices such as tree planting and waste recycling. Encouragingly, supporting underprivileged communities to improve their livelihoods was also advised to enhance overall urban sustainability.
Islamic Financial Products and their Contribution to the Growth of SMEs in Hargeisa, Somaliland Legass, Habtamu Alebachew; Ahmed, Hudayfe Said
Sharia Oikonomia Law Journal Vol. 3 No. 1 (2025)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i1.1697

Abstract

This study explores the impact of Islamic financing products, specifically Musharakah and Murabahah, on the growth of small and medium enterprises (SMEs) in Hargeisa, Somaliland. With an increasing demand for Shariah-compliant financing, the research highlights how these products contribute to the financial stability, operational efficiency, and business relationships of SMEs. A survey of 100 SMEs revealed that 90% expressed interest in Islamic financial products, yet 90% were dissatisfied with the current offerings, citing a lack of tailored products and high costs, particularly with Murabahah. The study further examined the role of Musharakah in fostering long-term growth through risk-sharing and strategic support, but also identified challenges such as complexity and limited availability. Murabahah, with its fixed cost structure, was found to be more popular, offering immediate access to capital but also creating financial strain due to high markup rates. The findings suggest a need for more diverse, flexible, and cost-effective Islamic finance options, as well as greater awareness and understanding of these products. The study concludes by recommending the expansion of Islamic finance offerings and further research into the long-term effects of these financing models on SME sustainability in emerging markets.
Co-Authors Ahmed, Hudayfe Said Mekonnen, Dawud Chane Seid, Aragaw