Abstract:
My deepest and heartfelt thank goes to the Almighty God, who has followed me in all aspect of
my life. First, I would like express my deepest gratitude to my major advisor, KASSAHUN
GASHU (PhD) and LINGER AYELE (PhD), for their support, encouragement, invaluable
comments, advice and guidance at various stages of the study. Thank you very much.
Many thanks go to employees and some investors in Hawassa city administration where I
collected the data for the cooperation and support they accorded me.
Next, I would also like to convey my sincere thanks to my wife, and my child, whose
unconditional love and silent prayers encouraged and protect me throughout my life.
Finally, I would like to thank my friends for their special support and, my staffs for their
immeasurable assistance throughout my study. The completion of this study was made with
direct or indirect contribution of several individuals, too numerous to mention here, but all of
them deserve my gratitude and thanks for everything they did for me.
