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Journal articles on the topic 'Microfinance – Zimbabwe'

Author: Grafiati
Published: 4 June 2021
Last updated: 1 February 2022

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1

Katuka, Blessing, and Ranga Mathias Mavhunga. "Profitability Determinants in Microfinance Industry: Case of Zimbabwe (2010-2014)." Journal of Global Economy 12, no. 4 (December 25, 2016): 219–42. http://dx.doi.org/10.1956/jge.v12i4.442.

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This paper looked at determinants of profitability of microfinance institutions operating in Zimbabwe. The study employed case study approach on one credit-only MFI in Zimbabwe. Using Multiple Regression Techniques, the study identified profitability determinants in the Zimbabwean microfinance industry using 2011-2015 monthly data. Major findings were that ROA and ROE are influenced differently by cost efficiency ratio, cost per borrower ratio and GNU. The study showed that both ROA and ROE are negatively influenced by cost efficiency and cost per borrower ratios. The identified relationship supports the X-efficiency hypothesis which assumes negative relationship between cost/income ratio and profitability. ROA model detected GNU as significant variable and according to results, the variable has negative influence on ROA. To improve profitability in the Zimbabwean microfinance industry, the researcher recommends MFI managers to closely monitor cost efficiency and cost per borrower ratios. The study also roped in government as key stakeholder in driving profitability within the microfinance industry. The study recommends Zimbabwean government to pursue consistency in its political policies as well as systems.
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2

Mago, Stephen, and Costa Hofisi. "Microfinance as a pathway for smallholder farming in Zimbabwe." Environmental Economics 7, no. 3 (October 21, 2016): 60–66. http://dx.doi.org/10.21511/ee.07(3).2016.07.

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Microfinance has been viewed as a pathway for smallholder farming. This paper aims to investigate the impact of microfinance on smallholder farming. It examines the role of microfinance in the development of smallholder farming. This paper employs the integrated view of microfinance study as opposed to the ‘credit only’(minimalist) view. Using qualitative research methodology, the paper relies on literature review and primary data. Household level data (primary) were collected from a rural district (Masvingo Rural District) of Masvingo province in Zimbabwe. Data were collected from 250 microfinance participants (household heads) using questionnaires and face-to-face interviews. The findings show that microfinance had positive effects on accumulation of agricultural assets, income from agriculture, agricultural education, agricultural productivity, agri-business, consumption and health. However, the impact is limited due to lack of finance. Basic financial services are essential for the management of their smallholder farming activities. The practical implications are that the study results could be used by the government and development agencies for policy making. The paper recommends that microfinance should be harnessed as a useful intervention that can be employed to economically empower the smallholder rural agricultural sector. Keywords: microfinance, smallholder farming, integrated view, minimalist view. JEL Classification: G21, O13
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3

Mago, Stephen. "Microfinance, Poverty Alleviation and Sustainability: Towards a New Micro-Finance Model for Zimbabwe." Journal of Economics and Behavioral Studies 6, no. 7 (July 30, 2014): 551–60. http://dx.doi.org/10.22610/jebs.v6i7.516.

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The main aim of this paper is to propose the development of a new microfinance model that can approximate sustainability in Zimbabwe. The secondary purpose is to find out whether the same model can be replicated in other developing countries. The paper adopted a mixed methodology. A crosssectional data collection method was preferred because data was collected during the time of high volatility in the country. Questionnaires, interview schedules were combined to collect data from villagers involved in microfinance programmes. Data were collected from 250 households in the Masvingo rural district area of Zimbabwe. The findings show that the two polar models are biased, hence the need for the ‘middle of the road approach’/‘hybrid model’ for the provision of microfinance services to the poor in order to achieve the twin objectives of poverty alleviation and sustainability. The paper is limited to a Masvingo district of Zimbabwe, thus replication could become a challenge. This article attempts to develop a ‘middle of the road’ model for microfinance in Zimbabwe. According to our knowledge, there is no study that has attempted to do the same.
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4

Makuyana, Tsanangurai. "Some Aspects of the New Microfinance Law in Zimbabwe." Mediterranean Journal of Social Sciences 8, no. 3 (May 24, 2017): 209–17. http://dx.doi.org/10.5901/mjss.2017.v8n3p209.

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Abstract This paper analyses the new Microfinance Act [Chapter 24: 29] in order to reveal the shortcomings in the law and to suggest areas of possible improvement. The study was carried out using a purely desktop legal research method wherein a critical review of the piece of legislation was done against the theory surrounding microfinance business principles. The study concluded that the new Microfinance Act in Zimbabwe has a considerable number of shortcomings born out of both drafting loopholes and outright lack of thrust of principles promotive of the growth of the microfinance sector in the country.
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5

Duve, Munyaradzi, Rejoice Mandizvidza, Tendai Chibaya, and Moses Nyakuwanika. "Tax Regulation and Sustainability of Microfinance Institutions in Masvingo Urban, Zimbabwe." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 6, no. 3 (April 3, 2017): 429. http://dx.doi.org/10.21013/jmss.v6.n3.p9.

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<div><p><em>The study seeks to evaluate the effect of the current tax regulatory regime on the sustainability of microfinance institutions (MFIs) in Masvingo urban. Many governments raise public finance through the taxation of individuals and the business community. Undertaking of this study was mainly motivated by the increase in the number of microfinance institutions after the introduction of the multicurrency system in 2009, but the government is failing to meet its revenue targets. The study was done on 24 loan officers and 8 managers of MFIs. Data was collected using a Likert scale questionnaire. Quantitative data was presented using SPSS. This study found that a tax regulation can enhance the sustainability of MFIs if properly simplified to promote investment in microfinance business through provision of tax exemptions, tax incentives, free registration, simplified record keeping procedures, and reduced tax rates. The study recommends that MFIs should not be heavily taxed if they are to meet a major objective of poverty alleviation. </em></p></div>
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6

Mafukata, Mavhungu, Willie Dhlandhlara, and Grace Kancheya. "Reciprocal relationship of social capital and microfinance activities in Nyanga, Zimbabwe." Development in Practice 27, no. 1 (December 22, 2016): 77–89. http://dx.doi.org/10.1080/09614524.2017.1260689.

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7

Makoni, Patricia Lindelwa. "From financial exclusion to financial inclusion through microfinance: the case of rural Zimbabwe." Corporate Ownership and Control 11, no. 4 (2014): 447–55. http://dx.doi.org/10.22495/cocv11i4c5p2.

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This paper sought to shed light on the status of rural banking and financial exclusion in Zimbabwe. Various reasons put forth by existing commercial banks were examined to understand why a large population of the country remains unbanked. These ranged from perceptions of the rural communities being too poor to need financial services to real economic and business decisions. Various literature on banking the poor and success stories from other countries were discussed in the literature. To meet the objectives of the study, data gathered from various individuals, commercial banks and microfinance institutions based in Matabeleland North was analysed. It was found that the rural population is in fact largely bankable. However, due to inadequate basic infrastructure in the rural areas, it did not make business sense for established banks to service that population. Banks exist to make a profit and the burden of ensuring financial inclusion of the rural population was left mainly to microfinance institutions which however faced a serious of challenges ranging.
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8

Selome, Joyce, and Nevel Tshuma. "Microfinance and Women Empowerment in Zimbabwe: A Case of Women Development Fund in Umguza District." International Letters of Social and Humanistic Sciences 35 (July 2014): 74–85. http://dx.doi.org/10.18052/www.scipress.com/ilshs.35.74.

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The gender dimension of poverty focuses on the dilemma of women, their numerous roles as women and their role in dealing with poverty. In many developing countries, women are discriminated upon in terms of their access to capital means of production; basic needs support, employment opportunities and access to credit facilities. In Zimbabwe, like in many developing countries, empowering women through micro-credit finance is viewed as a means of reducing women poverty, empowering them, reducing their vulnerability and improving their well-being especially in the rural areas. This paper discusses the role of the government of Zimbabwe in empowering rural women through the introduction Women Development Fund (WDF). The study was carried out in Umguza district in Matabeleland North province of Zimbabwe. The study employed mainly purposive sampling and data was collected using questionnaire, key informant interviews, focus group discussion observation and oral history. Research revealed that WDF as a strategy has made a difference in the livelihoods of the recipients through initiation of income generating projects. However the major handicap with WDF is that the amount of money given are small and that it was employed in isolate hence the need to have complementary initiatives such as capacity building, market networking among others.
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9

Lewis, Cindy. "Microfinance from the point of view of women with disabilities: lessons from Zambia and Zimbabwe." Gender & Development 12, no. 1 (May 2004): 28–39. http://dx.doi.org/10.1080/13552070410001726496.

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10

Zhongming, Tan, Tinashe Mangudhla, and Reginald Masimba Mbona. "Civil Servant Borrowing Practices: A Determinant of Poverty in Zimbabwe." Business and Economic Research 10, no. 2 (May 18, 2020): 270. http://dx.doi.org/10.5296/ber.v10i2.16832.

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In assessing microfinance institutions (MFIs) and civil servants' perspectives on borrowing in Zimbabwe, we examine the purpose and rationale of MFIs establishments. Thus, in an attempt to understand the reason behind high borrowing, we also considered loan terms, the nature of loans issued, and the uses of MFIs borrowed funds among households. Driven by the exploratory approach, qualitative research involving semi-structured interviews and observation methods were applied in this study. Using, the purpose of the loan, pricing of loans, repayment terms, and loan terms, interview questions were designed and conducted. Our results show that MFIs loans are: short term loans, income (salary) based; and, these loans are mainly for immediate household consumption needs not an investment. This study also indicates that loan application requirements are more favorable for employed households, especially public sector employees. Even though civil servants have a better advantage in accessing MFIs loans, in the long run, they are likely to remain in poverty; since their purpose of borrowing is geared towards family expenses. Also, MFIs prevailing interest rates (high), evidenced with shorter repayment periods, reflect their failure to pull borrowers out of poverty; however, creating an interdependence syndrome of continuous borrowing. Since we focused on lending practices of households, our results serve as a basis of a joint policy formulation in combating poverty. Thus, understanding poverty through the borrowing of employed citizens aids in grasping the interconnectedness of sectors; which, is an essential tool for sustainable development and strategic planning.
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11

Mafukata, Mavhungu Abel, Willie Dhlandhlara, and Grace Kancheya. "Socio-Demographic Factors Affecting Social Capital Development, Continuity and Sustainability Among Microfinance Adopting Households in Nyanga, Zimbabwe." Journal of Social Entrepreneurship 6, no. 1 (September 18, 2014): 70–79. http://dx.doi.org/10.1080/19420676.2014.954257.

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12

Bell, Robin, Annie Harper, and Dyson Mandivenga. "Can commercial banks do microfinance? Lessons from the Commercial Bank of Zimbabwe and the Co-operative Bank of Kenya." Small Enterprise Development 13, no. 4 (December 2002): 35–46. http://dx.doi.org/10.3362/0957-1329.2002.044.

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13

Muzvondiwa, Eresi. "Livelihood and survival strategies among Gweru urban teachers and their implications on pupils’ performance in the current Zimbabwe’s flopping economy." Technium Social Sciences Journal 7 (April 26, 2020): 74–85. http://dx.doi.org/10.47577/tssj.v7i1.356.

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Currently, teachers’ salaries in Zimbabwe are insufficient to sustain the harsh economic situation yet teachers seem to be meeting their monthly livelihood demands. A study to explore different survival strategies engaged by teachers under this current flopping economy was conducted in the Gweru urban. A total of 55 participants were randomly selected from five different schools. Questionnaires and in-depth interviews were used to collect data. Descriptive statistics and Chi-Square test for association (SPSS version 21) were used to analyse the data. Findings revealed that teachers have adopted 15 survival strategies to augment their meagre salaries. Over 50% of the teachers indicated that borrowing money from banks/microfinance institutions, conducting extra lessons, poultry production, cross border trading, part-time teaching at private schools, production of horticultural produce and selling of goods (maputi “dried corn”, sweets, peanut butter, snacks etc...) were pillars to their survival in this collapsing economy. Gender influenced the adoption of cross border trading (χ2 = 4.558; p <0.05) and hair dressing (χ2 = 10.102; p <0.005). Delivery of extra lesson was significantly associated with job title (χ2 = 5.026; p <0.05) constituting 70% teachers and 20% headmasters. It was observed that teachers with higher qualifications had a greater chances of being hired as part time private tutors in private schools. A greater proportion of the respondents (70.91%) agreed that venturing into these survival strategies impacted seriously on pupils’ overall performance. Thus teachers are recommended to balance their profession and private business to ensure that pupils’ performance is not compromised.
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14

Dzingirai, Mufaro, and Neeta Baporikar. "Role of Microfinance for Entrepreneurial Success." International Journal of E-Entrepreneurship and Innovation 11, no. 1 (January 2021): 1–16. http://dx.doi.org/10.4018/ijeei.2021010101.

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The main objective of the paper is to analyze the influence of microfinance on entrepreneurial success of Zimbabwean SMEs. Adopting explanatory research design with a sample that constitutes 120 business owners of SMEs in Gweru district data collection was through questionnaire administering that used Likert scale-type questions. The hypotheses are analyzed using Spearman's correlation and regression analysis in order to empirically establish the influence of microfinance on entrepreneurial success. The main regression results show a strong positive relationship between microfinance and entrepreneurial success, a weak negative relationship between the business owner's age and entrepreneurial success, and a positive relationship between the level of studies and entrepreneurial success of Zimbabwean SMEs.
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15

Dzingirai, Mufaro, Noah Tshuma, and Shingirai Sikomwe. "Determinants of Customer Loyalty in the Zimbabwean Microfinance Sector." International Journal of Applied Management Sciences and Engineering 8, no. 2 (July 2021): 36–51. http://dx.doi.org/10.4018/ijamse.2021070103.

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Recently, there has been an exponential increase in microfinance institutions leading to intense competition. This has impelled the interest of scholars, practitioners, and researchers in customer loyalty. Nonetheless, there is a dearth of empirical evidence on the determinants of customer loyalty in the microfinance sector. Accordingly, the main objective of this study is to establish the determinants of customer loyalty. Employing correlational research design with a sample size of 132 customers of microfinance institutions in Gweru who completed a highly structured questionnaire, the hypotheses are tested using Pearson correlation and regression analysis. The findings reveal that service quality, customer trust, and customer satisfaction have a strong statistically significant positive effect on customer loyalty. Nonetheless, a weak insignificant positive relationship between perceived microfinance image and customer loyalty is observed. It is, therefore, recommended that the managers should devise strategies to augment service quality, customer trust, and customer satisfaction.
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16

Dube, Hlupeko, and Zvitambo Kudakwashe. "The relevance of corporate governance codes to small and medium enterprises: The case of developing country." Corporate Governance and Sustainability Review 3, no. 1 (2019): 18–24. http://dx.doi.org/10.22495/cgsrv3i1p2.

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The aim of this paper was to examine the relevance of governance codes to Microfinance Institutions (MFIs) in developing counties. The study was motivated by a lack of transparency, sound risk management and sustainability challenges faced by MFIs in developing countries. The study was important for the improvement of governance in MFIs, which are an important tool for the growth, and development of nations. In the paper, a theoretical literature review approach to governance in MFIs was adopted because it allowed the researcher to review critique and synthesize the literature on governance in MFIs. This, in turn, enabled the researchers to generate new frameworks and perspectives on the topic in microfinance. The study found that there was poor governance in Zimbabwean MFIs, governance codes in place were skewed towards large corporations and did not fit the context MFIs. Furthermore, the study established that financial statements for MFIs were not easy to access and the application of corporate governance in MFIs of developing countries was found to be difficult because of inadequate financial resources and lack of knowledge on governance issues. Therefore, the study concluded that corporate governance codes in developing countries needed to be adjusted to the context of MFIs. The study recommends that governance codes that suit the institutional set up of small firms including MFIs in terms of capital structure, ownership concentration and markets should be crafted and adopted. Furthermore, MFIs should implement governance training and increase transparency. The governance codes should be provided free to businesses and be accompanied by extensive training by government and institutions of higher learning.
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17

Mago, Stephen. "Microfinance in Zimbabwe: A Historical Overview." Mediterranean Journal of Social Sciences, November 1, 2013. http://dx.doi.org/10.5901/mjss.2013.v4n14p599.

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18

Makuyana, Tsanangurai. "Microfinance Regulation and Supervision in Zimbabwe: A Critical Overview." Mediterranean Journal of Social Sciences, December 25, 2015. http://dx.doi.org/10.5901/mjss.2016.v7n1p376.

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19

Mago, Stephen, Costa Hofisi, and Shamiso Mago. "Microfinance Institutions and Operational Risk Management in Zimbabwe: Insights from Masvingo Urban." Mediterranean Journal of Social Sciences, September 1, 2013. http://dx.doi.org/10.5901/mjss.2013.v4n3p159.

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20

Ephraim Matanda and Vharawei Matanda. "The Impact of Corporate Governance and Ethics on Microfinance Institutions (MFIs)—The Case for Microfinance Institutions (MFIs) in Masvingo, Zimbabwe, 2009-2019." Journal of Modern Accounting and Auditing 15, no. 11 (November 28, 2019). http://dx.doi.org/10.17265/1548-6583/2019.11.002.

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21

Mazikana, Anthony Tapiwa, and Obey Mashayahanya. "An Investigation Into the Extent to Which Microfinance Institutions Are Contributing to the Financial Inclusion Strategy in Zimbabwe." SSRN Electronic Journal, 2019. http://dx.doi.org/10.2139/ssrn.3509214.

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22

Dzingirai, Mufaro. "The role of entrepreneurship in reducing poverty inagricultural communities." Journal of Enterprising Communities: People and Places in the Global Economy ahead-of-print, ahead-of-print (September 9, 2021). http://dx.doi.org/10.1108/jec-01-2021-0016.

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Purpose Entrepreneurship has increasingly become a subject of interest for scholars and policymakers in an attempt to reduce poverty in agricultural communities across the world, especially in Africa. Accordingly, the purpose of this paper is to examine the role of entrepreneurship in reducing poverty in agricultural communities of Lower Gweru, Zimbabwe. Design/methodology/approach Exploratory research design informed the data collection and analysis in this study. In-depth interviews were conducted with 20 owners of agribusinesses from various socio-economic backgrounds. The collected data from the field were analyzed using thematic analysis. Findings The results revealed that entrepreneurship plays a catalytic role in poverty reduction in agricultural communities through food security, skill transfer, employment creation, income generation and a decrease in food costs. Research limitations/implications This study focused on four agricultural communities in Lower Gweru which can limit the generalizability of the results to other contexts. Furthermore, this inquiry is a cross-sectional study that did not capture the longitudinal factors that can affect entrepreneurship and poverty reduction in agricultural communities. Practical implications The research outcomes have some practical implications for the Zimbabwean government and microfinance institutions in designing policies and programs to reduce poverty in marginalized agricultural communities. The findings are also useful for non-governmental organizations in designing, monitoring and evaluating poverty reduction programs in agricultural communities. Originality/value This study advances, contextualizes and enriches the body of knowledge concerning agricultural entrepreneurship and poverty reduction in the under-researched setting of agricultural communities. Notably, this study captures the African flavor in the agricultural entrepreneurship and poverty reduction discourse by focusing on the unique Zimbabwean context.
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