Dissertations / Theses on the topic 'Finance – Zimbabwe'
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Ushewokunze, Mutemwa Tendayi. "Zimbabwe dollarisation: short term gift, long term curse - reintroducing the Zimbabwe dollar using the gold standard." Master's thesis, University of Cape Town, 2014. http://hdl.handle.net/11427/29034.
Full textMushanguri, Mejury. "What challenges are being faced by women entrepreneurs in accessing micro finance services in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2011. http://hdl.handle.net/10948/d1011765.
Full textWeston, Alia. "Creativity in the informal economy of Zimbabwe." Thesis, Kingston University, 2012. http://eprints.kingston.ac.uk/24838/.
Full textMujaji, Shingirai. "Prepaid electricity model in Zimbabwe: a cost-benefit analysis." Master's thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/28991.
Full textNyere, Shepherd. "Beijing Consensus: alternative for Africa's development challenges? The case for Zimbabwe." Master's thesis, University of Cape Town, 2015. http://hdl.handle.net/11427/29046.
Full textMasunda, Collen. "Performing loans in a multicurrency environment environment: A case of Zimbabwe." Master's thesis, University of Cape Town, 2015. http://hdl.handle.net/11427/29039.
Full textMunanga, Makore Day. "The Impact of Diaspora Remittances on Economic Growth: Evidence from Zimbabwe." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/32876.
Full textMsimanga, Dumisile. "The challenges of banks in financing SMEs in Harare, Zimbabwe." Thesis, Nelson Mandela University, 2017. http://hdl.handle.net/10948/14058.
Full textDewar, Neil. "From Salisbury to Harare : the geography of public authority finance and practice under changing ideological circumstances." Doctoral thesis, University of Cape Town, 1988. http://hdl.handle.net/11427/17063.
Full textThis study is based on the assumption that money 'powers the urban system'. Its focus is the geography of public finance in Harare and ideologically inspired change in urban management. The context is the changing circumstances attendant upon the transfer of power from minority White settler colonial rule to Black majority rule in Zimbabwe. The ruling ZANU-PF party professed a continuing ideological commitment to the principles of "Marxist-Leninist-Maoist" socialism. It was surmised that application of these principles to the discharge of urban management and to the provision of public goods and services by a Black City Council would have been reflected in changing trends in the generation, allocation and distribution of public funds. Expressed as an aphorism, the geography of public finance investigates 'who gets what, where; who pays, who benefits, who decides, and who decides who decides'. These issues are addressed in the present study. Annual income and expenditure on both capital and revenue accounts for selected Council operations, were analysed in an attempt to identify significant trends from 1978 to 1984. Analytical methods include regression analysis, tests for statistical significance, multi-variate analysis and shift-share analysis. Local authority organisation and practice in colonial Salisbury is described as a basis for the evaluation of changing patterns of public service delivery after independence. Perceptions of priority issues for the city's growth and development were solicited from Councillors in a structured, open-ended questionnaire, and Council by-laws were analysed for evidence of change in the regulation and control of urban activities. Major findings include: 1. that the accounting procedures employed by the City Council are inappropriate for geographical analysis; 2. that the organisational structure and operational procedures of the Council, particularly with respect to urban finance remain virtually unchanged; 3. that the financial and other data provide evidence of the reallocation and redistribution of public funds to redress the colonial legacy of inequality; but 4. that fundamental structural change consistent with criteria indicating transition to a socialist urban space-economy has not occurred. Evidence is advanced in support of these conclusions and major reasons are suggested.
Chikaza, Zakaria. "Analysis of financial sustainability and outreach of microfinance institutions (MFIs) in Zimbabwe : case study of Harare." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97465.
Full textENGLISH ABSTRACT: The debate as to whether there is a trade–off between financial sustainability and outreach remains inconclusive among many researchers, therefore this research was conducted to bridge this knowledge gap. The study was conducted in Harare using longitudinal research design and analysed using panel data regression model. The study was conducted for the period of 3 years from 2011 to 2013 on 60 sampled MFIs in Harare. The findings were that MFIs in Harare are very sustainable but their outreach is low as shown by large loan sizes offered to clients. It was further revealed that staff cost per dollar and proportion of female clients are the only variables that affect sustainability of MFIs in Harare. Finally the research revealed that sustainability goals be achieved simultaneously and therefore are compatible. The key contributions to knowledge revealed by the study are as follows: there is a positive relationship between sustainability and outreach. Two variables affect sustainability on MFIs in Harare namely staff cost per dollar and proportion of female clients. The study recommends that Microfinance institutions in Harare should focus on financial sustainability in order to reduce their subsidy dependence, to ensure survival and growth in the future. To the policy makers the study recommends that sustainability does not compromise the outreach to the poor.
Moyo, Onesimo Mazai. "The nexus between financial inclusion and financial development in Zimbabwe (2009-2015)." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29075.
Full textNyatondo, Tendayi. "Determinants of the supply of urban public transport services in Harare, Zimbabwe." Master's thesis, University of Cape Town, 2014. http://hdl.handle.net/11427/29026.
Full textKavila, William. "A dynamic analysis of the influence of monetary policy on the general price level in Zimbabwe under periods of hyperinflation and dollarisation." Thesis, Nelson Mandela Metropolitan University, 2015. http://hdl.handle.net/10948/3889.
Full textMoyo, Admire. "The effects of hyperinflation on the Zimbabwean construction industry." Thesis, Nelson Mandela Metropolitan University, 2010. http://hdl.handle.net/10948/1197.
Full textSibindi, Angels. "An analysis of the impact of contract farming on smallholding farming as a mechanism for value chain efficiency enhancement : the case of Mashonaland central province (Zimbabwe) smallholder tobacco farmers." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/95661.
Full textENGLISH ABSTRACT: This research study has examined the impact of contract farming on enhancing efficiencies with the agricultural value chain for smallholder tobacco farmers in Mashonaland Central Province in Zimbabwe. The major challenges facing smallholder farmers in Africa in general and Zimbabwe in particular relate to financial constraints, technical expertise and market access. Contract farming as a transactions-cost-focussed-model is considered more effectively responsive to those challenges than the pure market approach which insufficiently addresses the impact of information asymmetries, bounded rationality, uncertainty, governance challenges and infrastructure challenges, among others. It allows for closely monitored smallholder financing by agribusiness entities which reduces or eliminates the probability of loan default. Contract farming is seen as an important mechanism in transforming the fragmented, subsistence agriculture in rural Africa into high commercialised and viable business undertakings. In this study, extensive reference is made to literature on agriculture financing; empirical research data on smallholder productivity and loan recoverability is drawn and analysed using the quantitative research methodology. The analysis sought to test for relationships among a set of variables and in the process examined the impact of contract farming. A comparative analysis of national data on the contract and auction system of tobacco marketing was done with emphasis on production and sales volumes, crop quality, price stability and market access. The results from the quantitative analysis of farmer-level and country-level data indicated a strong correlation between smallholder farmer production, productivity and loan recoverability and contract farming value chain intervention mechanisms.
Zunguze, Timisela. "Defying the odds: Understanding the critical success factors for financing independent powers producers in Zimbabwe." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/25643.
Full textMuchinguri, Tawanda. "Investment Promotion; Foreign Direct Investment Determinants and Policy Framework Analysis for India: Lessons for Zimbabwe." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28389.
Full textSithole, Mupangi. "The relationship between access to debt finance and viability of small & medium enterprises in Zimbabwe." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29078.
Full textSaungweme, Maxwell. "Factors influencing financial sustainability of local NGOs : the case of Zimbabwe." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/97293.
Full textENGLISH ABSTRACT: Local non-governmental organisations play an important role in the development processes of Zimbabwe. However, they face an uncertain future, as they depend on volatile external donor funding which leaves them financially unsustainable. This research sought to determine whether local non-governmental organisations in Zimbabwe were sustainable, and to analyse the main factors that influenced their financial sustainability. Through a mixed methods research design including literature review, secondary data analysis and a survey using a structured questionnaire, this research revealed that local non-governmental organisations in Zimbabwe were financially unsustainable. A regression analysis was employed to determine the relationships between the different factors and financial sustainability. The research focused on four factors of financial sustainability of local non-governmental organisations: sound financial management practices, income diversification, own income generation, and good donor relationship management practices. Data used for the research was from 2009 to 2013. The survey of 52 local non-governmental organisations spread throughout Zimbabwe provided primary data for the research. The research confirmed findings of others that local non-governmental organisations in Zimbabwe were not financially sustainable and depended on external donor funds. The research revealed that most local non-governmental organisations were funded entirely by external donors, had no reserve funds, were not generating own income, and depended on average on about three donors. This meant that if the external donors pulled out these organisations would cease operations. The research revealed that on average donor dependency ratios for Zimbabwean non-governmental organisations were above 93 percent, while survival ratios were very low with 22 days being the maximum. These results meant that if external donors completely pulled out their funding, local non-governmental organisations would operate for at most 22 days before closing down. The research also revealed that most local non-governmental organisations in Zimbabwe were not leveraging their assets to generate income, and most were not engaged in own income generating activities while their funding sources were not diversified enough to be regarded sustainable. The government of Zimbabwe was not funding local non-governmental organisations and local donors were scant. The regression analysis ascertained that sound financial management practices had the largest influence on financial sustainability of local non-governmental organisations in Zimbabwe, followed by income diversification, then own income generation and good donor relationship management. The research recommends that international donors should provide local non-governmental organisations with some unrestricted income to support start-up of social entrepreneurship activities and small businesses to ensure the financial sustainability of the programmes they fund. The government of Zimbabwe must view local non-governmental organisations as partners that complement its work and are therefore deserving of government funding. Non-governmental organisations need to change their mind-set, start social entrepreneurship and small business activities, and refrain from just seeing external donors as their main source of funding. Networks of non-governmental organisations must fundraise to train and enhance the capacity of their member organisations in running social enterprises and small businesses, and hire staff with expertise in running profit-making activities to complement their non-profit work.
Choga, Howard. "The reform of the electricity supply industry in Zimbabwe and its impact on power sector investments since 2002." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29084.
Full textChoga, Joseph. "Impact of microfinance on rural smallholder farmers in MT. Darwin District of Mashonaland Central Povince in Zimbabwe." Thesis, University of Limpopo (Turfloop Campus), 2013. http://hdl.handle.net/10386/1432.
Full textRural areas of Zimbabwe suffered acute shortage of banking services. Conventional banks feared high transaction costs and lack of collateral associated with this market segment. This research aimed at evaluating impact of microfinance on rural farming sector. Finding out the general banking and microfinance situation, appraising scheme impact and making recommendations were the research’s objectives. A descriptive research design was used. A population of 3,400 members constituting 289 Investment Groups (IGs) was used. Quota and purposive sampling were used to select 20 IGs and 154 individual respondents. Sample survey, Focus Group Discussions (FGD) and Key Informant Interviews (KII) were data collection methods. The survey findings showed that the five Department For International Development’s (DFID’s) Sustainable Livelihoods Approach (SLA) asset bases increased more for the treatment than the control groups, signifying microfinance impact. Wealth ranking, meant to triangulate survey results, depicted upward mobility of groups; old ones transcending to rich categories while the new moved into top poor rank, also demonstrating impact. Further, scheme achieved women empowerment basing on their numerical predominance and improved self-confidence, signifying impact. The study recommends that Farmers’ Association of Community self-Help Investment Groups (FACHIG) resuscitated its savings component using the Self-Help Group (SHG) thrift approach to ensure scheme sustainability. In addition, climate change, a phenomenon which increased droughts, could have dampened impact. However, the research did not delve into this area, compelling a future study.
Hondora, Tawanda. "Developing securitization-enabling financial infrastructure in emerging markets : a case-study of Zimbabwe." Thesis, University of Warwick, 2009. http://wrap.warwick.ac.uk/2759/.
Full textShoko, Ropafadzo. "The effects of the economic structural adjustment programs on agriculture in Sub Saharan Africa: a case study of Zimbabwe 1990-2000." Master's thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/28984.
Full textMberi, Mary-Jane. "Strategic thinking during a period of turbulence : a case study of the BancABC Zimbabwe." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1020603.
Full textMoodliar, Loshini. "Promoting regional trade in the SADC region: identifying opportunities for manufactured exports from South Africa to Botswana, Mozambique, Namibia, Zambia and Zimbabwe." Master's thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/28987.
Full textMurambadoro, Betty. "The Role of Development Finance Institutions and Aid Agencies in Zimbabwe’s achievement of Sustainable Development Goals." Thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28408.
Full textMakaya, Martin. "The value relevance of accounting measures based on international financial reporting standards (IFRS) before, during and after hyperinflation period in Zimbabwe." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/27999.
Full textTongowona, Admire. "The economic evaluation of aquaculture as a climate change adaptation option in fisher communities of Zimbabwe." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/26940.
Full textMawadza, Crispen Mauta. "Impact and implications of remittances : the case of Zimbabwe from 2000 - 2006." Thesis, Stellenbosch : University of Stellenbosch, 2007. http://hdl.handle.net/10019.1/882.
Full textAFRIKAANSE OPSOMMING: Meer en meer mense werk buite hul land van herkoms as ooit tevore, en die geld wat hulle stuur na hul tuislande kan bestempel word as ‘n belangrike ekonomiese krag. Hierdie geld kan ’n belangrike rol speel in die ekonomie wat die geld ontvang. Die geld wat reiswerkers tuis stuur word remise of geldsending genoem en oortref reeds Offisiële Ontwikkelingshulp en oortref selfs Buitelandse Investering in sommige lande. Hierdie navorsingsverslag fokus op Zimbabwe, ’n land waarvan die ekonomie volgens sommiges reeds lank gelede moes ineengestort het. Die studie ondersoek tot watter mate geldsending die Zimbabwe ekonomie beskerm teen ineenstorting. Die verslag gebruik ’n opname onder verskeie rolspelers om te wys hoe geldsending die Zimbabwe ekonomie beskerm teen internasionale uitsluiting en sanksies. Zimbabweërs wat die ekonomiese swaarkry vrygespring het in hul land van herkoms stuur voortdurend geld na vriende en familie. Remise word deels gebruik as investering in kleinsake, terwyl deel van die buitelandse valuta investeer word in komoditeite wat die land moeilik deur offisiële kanale sou kon bekom. Die studie het bevind dat geldsending in 2005 en 2006 ongeveeer 25.5% en 25 persent respektiewelik tot die Bruto Nasioanle Produk van Zimbabwe bygedra het. Die studie het verder ’n paar interresante bevindinge gemaak. Een van hierdie is die ongedokumenteerde verskynsel van defleksie van geldsending na meer stabiele ekonomieë of geldeenhede. Sulke remise word dan in die land gehou waar dit gegenereer is, of dit word gestuur in ’n stabiele geldeenheid, of dit word selfs in die vorm van produkte soos kos gestuur.
ENGLISH ABSTRACT: More and more people are working outside their countries of citizenship than before. These people are now a major economic force to their countries of origin as they are sending a lot of money to relatives back home. This income plays a key role in receiving economies. The money migrants send home is referred to as remittances and the amount transferred globally has eclipsed official development assistance (ODA) and in some economies it is well ahead of Foreign Direct Investment (FDI). This research focuses on Zimbabwe, a country whose economy has long been anticipated to collapse but has so far evaded that implosion. It explores to which extent remittances are cushioning Zimbabwe’s economy from collapse. This report uses a survey of a number of role players to show how remittances have cushioned that economy from the effects of international isolation and sanctions. Zimbabweans who “escaped” the economic hardships in their country of origin have been consistently sending money home to their friends and relations. Money received has partly been invested in small businesses and part of the forex has been used to procure commodities that the country has struggled to acquire through official channels. The study found that the amount of remittances sent for 2005 and 2006 has respectively contributed approximately 25.5 and 25 percent to the GDP of Zimbabwe. The study further made a number of interesting findings. One of these seems to be the undocumented phenomenon of the deflection of remittances to more stable economies or currencies. Such remittances would be kept in the country where it is generated, or it would be sent back in a stable country, or could even be in the form of products such as food.
Chidziva, Bernard. "The Role of Corporate Governance in Preventing Bank Failures in Zimbabwe." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/3145.
Full textMutopo, Yvonne. "Rethinking health care financing models: the case of Zimbabwe's health sector." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/27236.
Full textZingwiro, Protase Tichafa Sanangurai. "Working capital management in hyper-inflationary economies : a case of Zimbabwe." Thesis, 2006. http://hdl.handle.net/10413/1187.
Full textThesis (MBA)-University of KwaZlu Natal, 2006.
Nyabani, Prosper. "Nurses' views and experiences regarding implementation of results based financing in Zimbabwe." Diss., 2018. http://hdl.handle.net/10500/25107.
Full textHealth Studies
M.P.H.
Mutigwa, Archford. "The funding of secondary education : towards sustainable development in Zimbabwe." Thesis, 2018. http://hdl.handle.net/10500/25208.
Full textEducational Leadership and Management
D. Ed. (Education Management)
Munongo, Shallone. "Social media and mobile money adoption: comparative evidence from South Africa and Zimbabwe." Thesis, 2019. http://hdl.handle.net/10500/26488.
Full textThe study investigated the effects of social media on mobile money adoption in South Africa and Zimbabwe. The main gap identified in empirical literature is the omission of social media use in technology adoption models and social networking theories. While some theories acknowledge the role of social influences in technology adoption, the social interactions considered therein are not mediated through the internet as is social media. Furthermore, no empirical study has to date focused on how social media influences mobile money technology adoption. Thus, this study deviates from the offline social network analysis approach which is restricted to the neighbourhood effects, physical contact, cell phone calls and text messages where information on mobile money technology is disseminated to an individual’s limited social circle. The secondary data used for the study were obtained from individual responses in the cross-sectional FinScope consumer surveys South Africa 2015 and Zimbabwe 2014 which were conducted and reported by FinMark Trust (2015; 2014). The study employed the binary logistic regression model to estimate the nature of effect. The results of the study indicated that use of social media had a positive and statistically significant impact on mobile money adoption in both South Africa and Zimbabwe. The results also revealed that despite there being a lower internet penetration and social media usage rate in Zimbabwe than South Africa, the use of social media in the former led to a higher rate of mobile money adoption. The study also established that mere use of social media and availability of mobile money technology did not translate to a high adoption rate; instead, availability had to be matched by a demand for the financial services. Additionally, the study found that the interaction of mobile money adoption and use of social media increased the overall mobile money adoption in both countries. The study recommended the implementation of collective policies that increase internet penetration to facilitate increased use of social media platforms and promote mobile money adoption to foster improved financial inclusion in developing countries.
Hierdie studie het die gevolge van sosiale media op die ingebruikneming van mobiele geld in Suid-Afrika en Zimbabwe ondersoek. Die belangrikste leemte wat in empiriese literatuur geïdentifiseer is, is die weglating van die gebruik van sosiale media in tegnologieaanvaardingsmodelle en sosialenetwerkvorming-teorieë. Hoewel sommige teorieë (teorie van beredeneerde handeling; teorie van beplande gedrag; diffusie van innovasie) die rol van sosiale invloede op tegnologieaanvaarding erken, word die sosiale interaksies wat daarin oorweeg word nie deur middel van die internet bemiddel nie, soos wel in die geval van sosiale media. Boonop het geen empiriese studie tot op hede gefokus op hoe sosiale media die ingebruikneming van mobielegeld-tegnologie beïnvloed nie. Hierdie studie wyk dus af van die niegekoppelde sosialenetwerkontleding-benadering, wat beperk is tot die omgewingsgevolge, fisieke kontak, selfoonoproepe en teksboodskappe, waar inligting oor mobielegeld-tegnologie aan ʼn individu se beperkte sosiale kring versprei word. Die sekondêre data wat vir die studie gebruik is, is verkry uit afsonderlike response in die deursnee- FinScope-verbruikersopnames (Suid-Afrika 2015 en Zimbabwe 2014), wat onderneem en bekendgemaak is deur FinMark Trust (2015; 2014). Die studie maak gebruik van die binêre logistiese regressiemodel om die aard van effek te skat. Studiebevindings dui daarop dat die gebruik van sosiale media ’n positiewe en statisties beduidende uitwerking op die ingebruikneming van mobiele geld in sowel Suid-Afrika as Zimbabwe het. Die resultate wys ook dat, ondanks ’n laer internetpenetrasie en sosialemedia-gebruikskoers in Zimbabwe, die gebruik van sosiale media in Zimbabwe tot ’n hoër koers van ingebruikneming van mobiele geld in dié land as in Suid-Afrika tot gevolg het. Daar word verder waargeneem dat die blote gebruik van sosiale media en die beskikbaarheid van mobielegeld-tegnologie nie geredelik omgesit kan word in ’n hoë ingebruiknemingskoers nie; beskikbaarheid moet met ’n vraag na die finansiële dienste gepaard gaan. Daarbenewens toon die studie dat die interaksie tussen mobielegeld-ingebruikneming en die gebruik van sosiale media die oorkoepelende ingebruikneming van mobiele geld in albei lande versterk. Die studie beveel die implementering van beleide aan wat internetpenetrasie verhoog om wydverspreide gebruik van sosiale media te fasiliteer, wat op sy beurt die ingebruikneming van mobiele geld sal bevorder, wat finansiële insluiting sal bevorder.
Ucwaningo luphenyisise imiphumela ye-social media ekwamukelweni kwe-mobile money eNingizimu Afrika naseZimbabwe. Igebe elikhulu eliphawuliwe kwimibhalo yobufakazi ukweqiwa kokussetshenziswa kwe-social media ekwamukelweni kwama-technology adoption models kanye namathiyori e-social networking. Kodwa amanye amathiyori (i-theory of reasoned action; i-theory of planned behaviour; i-diffusion of innovation) amukela indima yemithelela ye-social influences ekwamukelweni kwetheknoloji, ngokusebenzisana kwama-social interactions abonelelwe lapha, awaxhunyaniswa nge-inthanethi, njenge-social media. Kanti-ke futhi okunye, akukho bufakazi bocwaningo kuze kubemanje obugxile kwindlela i-social media enomthelela ngayo kwi-mobile money technology adoption. Ngakho-ke, lolu cwaningo luyehluka kwizinqubo ze-offline social network analysis approach, enezihibe kwimiphumela esondelene nayo, ukuxhumana ngokubamba, ukushayelana izingcingo nge-cellphone, kanye nemilayezo ebhaliwe, lapho ulwazi kwi-mobile money technology lusatshalaliswa kumuntu ngamunye nalabo asondelene nabo. I-secondary data esetshenzisiwe kucwaningo itholakale kwizimpendulo zabantu ngamunye kwi-cross-sectional FinScope consumer surveys (iNingizimu Afrika 2015 kanye neZimbabwe 2014), olwenziwa nokubikwa nge-FinMark Trust (2015:2014). Ucwaningo lusebenzisa i-binary logistic regression model ukulinganisa inhlobo yomphumela. Imiphumela yocwaningo ikhombisa ukuthi i-social media inomphumela omuhle futhi ngomphumela wezibalo ezibalulekile ekwamukelweni kwe-mobile money okwamukelwe kuwo womabili amazwe iNingizimu Afrika kanye neZimbabwe. Imiphumela ikhombise nokuthi, ngisho noma i-inthanethi ingakangeneleli kangako kwezinye izindawo, kodwa izinga lokusetshenziswa kwe-social media eZimbabwe kungaphezulu kuneNingizimu Afrika, ukusetshenziswa eZimbabwe kuhola phambili ngezinga eliphezulu ekwamukelweni kwe-mobile money kunaseNingizimu Afrika. Kanti futhi kuphawulwa ukuthi ukusetshenziswa kwe-social media kanye nokutholakala kwe-mobile money technology, akuhambelani ngezinga lokwamukelwa kakhulu; ukutholakala kumele kuhambelane nesidingeko samasevisi ezezimali. Nangaphezu kwalokho, ucwaningo lukhombisa ukuthi ukusebenzisana kokwamukelwa kwe-mobile money nokusetshenziswa kwe-social media kuphakamisa ukwamukelwa kakhulu kwe-mobile money kuwo womabili amazwe. Ucwaningo luncoma ukuthi ukwamukelwa kwemigomo enyusa ukungenelela kakhulu kwe-inthanethi ukulekelela ukusetshenziswa kakhulu kwe-social media, kanti futhi lokhu okuzophakamisa kakhulu ukwamukelwa kwe-mobile money okusiza ukubandakanya wonke kwezezimali.
Business Management
D. Phil. (Management Studies)
Dzikiti, Weston. "Banking sector, stock market development and economic growth in Zimbabwe : a multivariate causality framework." Diss., 2017. http://hdl.handle.net/10500/22818.
Full textBusiness Management
M. Com. (Business Management)
Madziyire, Godfrey Tapfumaneyi. "Evaluating the impact of philanthropic activities in public high schools in Mutasa District, Zimbabwe : an educational management perspective." Thesis, 2015. http://hdl.handle.net/10500/19117.
Full textEducational Leadership and Management
D. Ed. (Education Management)
Dambaza, Marx. "Credit risk measurement model for small and medium enterprises : the case of Zimbabwe." Thesis, 2020. http://hdl.handle.net/10500/26765.
Full textThe advent of Basel II Capital Accord has revolutionised credit risk measurement (CRM) to the extent that the once “perceived riskier bank assets” are now accommodated for lending. The Small and Medium Enterprise (SME) sector has been traditionally perceived as a riskier and unprofitable asset for lending activity by Commercial Banks, in particular. But empirical studies on the implementation of the Basel II internal-ratings-based (IRB) framework have demonstrated that SME credit risk is measurable. Banks are still finding it difficult to forecast SME loan default and to provide credit to the sector that meet Basel’s capital requirements. The thesis proposes to construct an empirical credit risk measurement (CRM) model, specifically for SMEs, to ameliorate the adverse effects of SME credit inaccessibility due to high information asymmetry between financial institutions (FI) and SMEs in Zimbabwe. A well-performing and accurate CRM helps FIs to control their risk exposure through selective granting of credit based on a thorough statistical analysis of historical customer data. This thesis develops a CRM model, built on a statistically random sample, known-good-bad (KGB) sample, which is a better representation of the through-the-door (TTD) population of SME loan applicants. The KGB sample incorporates both accepted and rejected applications, through reject inference (RI). A model-based bound and collapse (BC) reject inference methodology was empirically used to correct selectivity bias inherent in CRM domain. The results have shown great improvement in the classification power and aggregate supply of credit supply to the SME portfolio of the case-studied bank, as evidenced by substantial decrease of bad rates across models developed; from the preliminary model to final model designed for the case-studied bank. The final model was validated using both bad rate, confusion matrix metrics and Area under Receiver Operating Characteristic (AUROC) curve to assess the classification power of the model within-sample and out-of-sample. The AUROC for the final model (weak model) was found to be 0.9782 whilst bad rate was found to be 14.69%. There was 28.76% improvement in the bad rate in the final model in comparison with the current CRM model being used by the case-studied bank.
Isivumelwano seBasel II Capital Accord sesishintshe indlela yokulinganisa ubungozi bokunikezana ngesikweletu credit risk measurement (CRM) kwaze kwafika ezingeni lapho izimpahla ezazithathwa njengamagugu anobungozi “riskier bank assets” sezimukelwa njengesibambiso sokuboleka imali. Umkhakha wezamaBhizinisi Amancane naSafufusayo, phecelezi, Small and Medium Enterprise (SME) kudala uqondakala njengomkhakha onobungozi obukhulu futhi njengomkhakha ongangenisi inzuzo, ikakhulu njengesibambiso sokubolekwa imali ngamabhange ahwebayo. Kodwa izifundo zocwaningo ezimayelana nokusetshenziswa nokusetshenziswa kwesakhiwo iBasel II internal-ratings-based (IRB) sezikhombisile ukuthi ubungozi bokunikeza isikweletu kumabhizinisi amancane nasafufusayo (SME) sebuyalinganiseka. Yize kunjalo, amabhange asathola ukuthi kusenzima ukubona ngaphambili inkinga yokungabhadeleki kahle kwezikweletu kanye nokunikeza isikweletu imikhakha enemigomo edingekayo yezimali kaBasel. Lolu cwaningo beluphakamisa ukwakha uhlelo imodeli ephathekayo yokulinganisa izinga lobungozi bokubolekisa ngemali (CRM) kwihlelo lokuxhasa ngezimali ama-SME, okuyihlelo elilawulwa yiziko lezimali ezweni laseZimbabwe. Imodeli ye-CRM esebenza kahle futhi eshaya khona inceda amaziko ezimali ukugwema ubungozi bokunikezana ngezikweletu ngokusebenzisa uhlelo lokunikeza isikweletu ababoleki abakhethekile, lokhu kususelwa ohlelweni oluhlaziya amanani edatha engumlando wekhasimende. Imodeli ye-CRM ephakanyisiwe yaqala yakhiwa ngohlelo lwamanani, phecelezi istatistically random sample, okuluphawu olungcono olumele uhlelo lwe through-the-door (TTD) population lokukhetha abafakizicelo zokubolekwa imali bama SME, kanti lokhu kuxuba zona zombili izicelo eziphumelele kanye nezingaphumelelanga. Indlela yokukhetha abafakizicelo, phecelezi model-based bound-and-collapse (BC) reject-inference methodology isetshenzisiwe ukulungisa indlela yokukhetha ngokukhetha ngendlela yokucwasa kwisizinda seCRM. Imiphumela iye yakhombisa intuthuko enkulu mayelana namandla okwehlukanisa kanye nokunikezwa kwezikweletu kuma SME okungamamabhange enziwe ucwaningo lotho., njengoba lokhu kufakazelwa ukuncipha okukhulu kwe-bad rate kuwo wonke amamodeli athuthukisiwe. Imodeli yokuqala kanye neyokugcina zazidizayinelwe ibhange. Imodeli yokugcina yaqinisekiswa ngokusebenzisa zombili indlela isikweletu esingagculisi kanye negrafu ye-Area under Receiver Operating Characteristic (AUROC) ukulinganisa ukwehlukaniswa kwamandla emodeli engaphakathi kwesampuli nangaphandle kwesampuli. Uhlelo lwe-AUROC lwemodeli yokugcina (weak model) lwatholakala ukuthi luyi 0.9782, kanti ibad rate yatholakala ukuthi yenza i-14.69%. Kwaba khona ukuthuthuka nge-28.76% kwi-bad rate kwimodeli yokugcina uma iqhathaniswa nemodeli yamanje iCRM model ukuba isetshenziswe yibhange elithile.
Basel II Capital Accord e fetotse tekanyo ya kotsi ya mokitlane (credit risk measurement (CRM)) hoo “thepa e kotsi ya dibanka” ka moo e neng e bonwa ka teng, e seng e fuwa sebaka dikadimong. Lekala la Dikgwebo tse Nyane le tse Mahareng (SME) le bonwa ka tlwaelo jwalo ka lekala le kotsi e hodimo le senang ditswala bakeng sa ditshebetso tsa dikadimo haholo ke dibanka tsa kgwebo. Empa dipatlisiso tse thehilweng hodima se bonweng kapa se etsahetseng tsa tshebetso ya moralo wa Basel II internal-ratings-based (IRB) di supile hore kotsi ya mokitlane ya SME e kgona ho lekanngwa. Leha ho le jwalo, dibanka di ntse di thatafallwa ke ho bonelapele palo ya ditlholeho tsa ho lefa tsa diSME le ho fana ka mokitla lekaleng leo le kgotsofatsang ditlhoko tsa Basel tsa ditjhelete. Phuputso ena e ne sisinya ho etsa tekanyo ya se bonwang ho mmotlolo wa kotsi ya mokitlane (CRM) tshebetsong ya phano ya tjhelete ya diSME e etswang ke setsi sa ditjhelete (FI) ho la Zimbabwe. Mmotlolo o sebetsang hantle hape o fanang ka dipalo tse nepahetseng o dusa diFI hore di laole pepeso ya tsona ho kotsi ka phano e kgethang ya mokitlane, e thehilweng hodima manollo ya dipalopalo ya dintlha tsa histori ya bareki. Mmotlolo o sisingwang wa CRM o hlahisitswe ho tswa ho sampole e sa hlophiswang, e leng pontsho e betere ya setjhaba se ikenelang le monyako (TTD) ya batho bao e kang bakadimi ba tjhelete ho diSME, hobane e kenyelletsa bakopi ba amohetsweng le ba hannweng. Mokgwatshebetso wa bound-and-collapse (BC) reject-inference o kentswe tshebetsong ho nepahatsa tshekamelo ya kgetho e leng teng ho lekala la CRM. Diphetho tsena di bontshitse ntlafalo e kgolo ho matla a tlhophiso le palohare ya phano ya mokitlane ho diSME tsa banka eo ho ithutilweng ka yona, jwalo ka ha ho pakilwe ke ho phokotseho ya direite tse mpe ho pharalla le dimmotlolo tse hlahisitsweng. Mmotlolo wa ho qala le wa ho qetela e ile ya ralwa bakeng sa banka. Mmotlolo wa ho qetela o ile wa netefatswa ka tshebediso ya bobedi reite e mpe le mothinya wa Area under Receiver Operating Characteristic (AUROC) ho lekanya matla a kenyo mekgahlelong a mmotlolo kahare ho sampole le kantle ho yona. AUROC bakeng sa mmotlo wa ho qetela (mmotlolo o fokotseng) e fumanwe e le 0.9782, ha reite e mpe e fumanwe e le 14.69%. Ho bile le ntlafalo ya 28.76% ho reite e mpe bakeng sa mmotlolo wa ho qetela ha ho bapiswa le mmotlolo wa CRM ha o sebediswa bankeng yona eo.
Graduate School of Business Leadership
D.B.L.