Faculty of Commerce, Law and Management

Now showing 1 - 3 of 3

Mobile money as a strategy for financial inclusion in rural communities
(2014) Thulani; Chitakunye, P; Chummun, BZ
This study contributes to a deeper understanding of the usage level of mobile money, and how it has accelerated financial inclusion among the rural communities in an emerging economy such as Zimbabwe. The study employed a mixed methods approach and a concurrent dominant status design where quantitative and qualitative approaches were concurrently used with the quantitative approach having a dominant status. The study was carried out in the Midlands Province and a simple random sampling technique was applied to select the province. Eight districts in the province formed the study population of 262 493 households and a pilot sample size of 37 household was chosen. The study used a survey method to collect data, where a questionnaire and focus group discussions were used as the main data collection instruments. It emerged that the usage of mobile money by the unbanked rural people is very high, especially for sending and receiving remittances. However the saving and loan aspect of mobile money were not very popular. Users were still relying on their traditional methods of savings and borrowing. The implications are that the service providers need to increase their awareness programs targeting this specific market to encourage them to migrate from traditional ways to safe and secure way of saving their meagre income. More so, that their saving patterns will determine their access to loans.
FOREIGN DIRECT INVESTMENT IN AFRICA:
(2011-04-06) Desvaux de Marigny, Louis Jean Michel
Africa is the poorest continent and attracts the least Foreign Direct Investment (FDI). The continent is plagued by civil wars, corruption, political and macroeconomic instability, small markets, declining infrastructure, burdensome regulations, exchange rate and price instability. This project report uses Zimbabwe as a case study. Zimbabwe’s history is analysed and the prospects of renewed investment in the current climate or following a change in leadership or regime are investigated. What can be done to attract increased, beneficial FDI? What should leaders focus on in order to attract investment and foster economic growth? Which countries in Africa have succeeded in attracting FDI? What should the continent be doing as a whole to attract FDI in an increasingly competitive global arena? This study is intended as a guide for future policy makers in Zimbabwe and Africa to choose policies that will maximise FDI and thereby help to reduce poverty throughout the continent. iii
Business strategies in a hyperinflationary environment: the case of Air Zimbabwe
(2011-03-23) Chanetsa, Edphan Peter
Strategic theory prescribes the formulation and implementation of strategies in either fairly stable macroeconomic environments or for environments in economic crises which are normally characterised by downturns in the economic cycle. Strategic theory does not specifically prescribe the type of strategies that an airline can pursue when competing in a hyperinflationary environment. This study therefore aims at identifying what strategies were available to an airline that would find itself competing in a hyperinflationary environment and more specifically, identifying the optimal strategy to pursue. The research method used was a qualitative case study of Air Zimbabwe which is currently operating in a hyperinflationary economy. In-depth, structured interviews were conducted to obtain the views of members of top and middle management who are involved in the management of the airline. The study found that slow decision making in responding to changing market dynamics as a result of being a state-owned parastatal, and the failure to generate sufficient foreign currency when needed, has negatively impacted on the airline's performance and threatened the airline's continued viability. In addition, total quality management as a driver of an operational effectiveness strategy was identified as the preferred strategy to pursue, which should lead to operational efficiency and cost containment. The study may be useful in highlighting the strategic options available to airlines that seek either competitive advantage or continued viability when operating in a hyperinflationary environment.

Faculty of Commerce, Law and Management

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