1,720,957 research outputs found
From Exclusion to Inclusion: Understanding the Financial Landscape of University Students in Zimbabwe
No full textThe purpose of this study was to assess financial inclusion status of University students in Zimbabwe. In order to achieve this objective, 109 students from across six State Universities participated in the study by completing questionnaires. Data analysis was enhanced through SPSS version 23. The findings of the study reveal that most university students own a bank account. However, a small number are applying and accessing bank loans. In addition, a number of impediments have been found that prevent certain university students from being financially included. These obstacles include insufficient income to fund bank accounts, excessive bank fees, a lack of trust and confidence, and ignorance of the prerequisites for opening a bank account. The study also found that there is a lot of potential in terms of university students' financial inclusion because most of them have smartphones that can be used for online banking, the majority of them said they are considering opening a bank account in the future, and the majority of them said they understand the significance of financial inclusion. The following recommendations were made: the financial sector should provide unique financial services for students under the guise of inexpensive student loans, accounts and financial education
Towards a Cyber Resilient Banking System: Effectiveness of Cyber Fraud Risk Management Strategies Adopted by Commercial Banks in Zimbabwe
Full text linkThe advent of digital financial technology left the business community and its clients celebrating convenient ways of online shopping, paying bills and money transfers. However, digital banking technology came with its share of challenges, due to highly digitalised economies in the context of the Fourth Industrial Revolution, cyber fraudsters are increasingly targeting and leveraging on financial market infrastructures. Cyber security of banking institutions and the financial systems across the globe remains a major concern of Central Banks, investors, internal auditors and financial risk managers. The purpose of this research paper was to examine the efficacy of cyber fraud prevention measures used by commercial banks in Zimbabwe. The study also looked into the difficulties encountered in managing cyber-fraud. Results indicate that cyber fraud risk management strategies adopted by Commercial banks are partly effective which indicates existence of opportunities for cyber fraudsters to attacks and get away with it at the expense of clients, banks and the financial system as a whole. Results also indicate that Commercial banks are facing quite a number of challenges which include the following: lack of sophisticated systems, cyber attackers are always ahead, some of the clients do not take awareness messages send to them seriously, some clients share passwords and credit cards and lack of enough education and knowhow of employees. The study therefore concludes that, cyber fraud risk management strategies adopted by Commercial banks are partly effective. Monetary and fiscal authorities need to continue monitoring Commercial banks with regard to implementation of cyber security risk based supervision framework
Cracking the Financing Gap: How Informal Traders in Zimbabwe are Bridging the Banking Divide
No full textIn Zimbabwe, informal traders face significant barriers in accessing formal financial services, hindering their ability to grow and sustain their businesses. However, these traders are finding innovative ways to bridge the banking gap by leveraging alternative financial services. The paper investigates alternative financial services leveraged by informal traders in Zimbabwe. Quantitative results reveal that majority of informal traders in Zimbabwe are financially excluded and rely heavily on informal financial services such as mukando/revolving funds, chimbadzo/interest bearing informal loans, personal savings, trade credit, business angels, burial society group loans and loans from friends and relatives. Quantitative results further revealed that informal traders in Zimbabwe leverage private strong rooms, mukando/revolving funds and cryptocurrencies for savings and investments. Furthermore, qualitative results revealed that informal traders in Zimbabwe also save and invest through the gaba scheme and informal deposit taking financial institutions. Based on research findings, the study concludes that informal traders in Zimbabwe are financially excluded and rely on informal financial services. This underscores the necessity for a collaborative and multi-faceted approach among policymakers, stakeholders, and industry experts to effectively integrate the informal sector into the formal financial system. The research recommends the introduction of customised financial products, simplification of loan and bank account application procedures, introduction of AI augmented bank accounts, consultative meetings between policy makers and representatives of informal traders and introduction of mobile banking vehicles with automated teller machines
Going Beyond Counting First Authors in Author Co-citation Analysis
Full text linkThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Full text link“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Full text linkWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Full text linkWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
Examining Social Insurance Perceptions and Attitudes among Zimbabwean Informal Sector Workers: A Study on Providing Social Protection to the Disenfranchised
Full text linkBackground: Given the rate at which the labour force in Zimbabwe's informal sector continues to evolve, steps need to be taken to promote a culture where employees contribute towards their social insurance. Social insurance is significant since it helps informal sector workers to prepare for life's predictable and unpredictable events, such as retirement, unemployment, old age, incapacity, death and health challenges.
Objective: Motivated by the increasing number of workers in the informal sector in Zimbabwe, this study aimed to explore the attitudes and perceptions of this group of people towards social insurance coverage and investigate strategies for extending social insurance to informal sector workers.
Method: To achieve the objectives, convenience sampling was employed, and 115 questionnaires from informal sector workers of Jerera Growth Point were analyzed. Data collection involved the use of a questionnaire. A convergent parallel research design was adopted, with quantitative and qualitative data being analyzed to gain insight into the perception of informal sector workers.
Results: The study's findings demonstrate that workers in the informal economy have a negative attitude towards social insurance coverage. Additionally, the results demonstrate that the age of informal sector workers affects their intention to contribute towards social insurance coverage. The results also demonstrate that employees in the informal sector need more basic knowledge about social insurance and how to apply for social insurance coverage.
Conclusion: The study concluded that workers in the informal economy lack faith and confidence in those who provide social insurance services, explaining why they perceive social insurance coverage negatively.
Keywords: coverage, informal, insurance, pension, social, retiremen
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