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This study investigates the relationship between macroeconomic indicators and the NonPerforming Loan (NPL) Ratio in Zambia over a two-decade period (2003–2022/23). The research was motivated by the persistent challenge of high NPLs in Zambia’s banking sector, which undermines financial stability,...

By supporting women with access to finance, would create a transformative social and economic impact on women with their families and society at large. The empowering of women creates opportunities for the families because, they place a higher priority on spending on food, health, education of...

This study investigated the effects of financial management practices on the performance of cooperatives, specifically focusing on the Kabwe District Cooperative Union Limited in Zambia. The primary aim was to evaluate how specific financial management strategies influence the cooperative's...

Just like other sectors, energy sector in Zambia has faced exchange rates volatility for a long time. Research has shown that Zambian kwacha has been unstable and that it has been depreciating. This study aimed at assessing the effect of foreign exchange rates on the financial performance of...

The implementation of the Treasury Single Account (TSA) in Zambia brought about drastic changes in the management of public funds. The Bank of Zambia assumed custodianship of public funds while Commercial Banks remain revenue collection agents throughout the country. This study investigated the...

Limited access to agricultural financing is a constraint to the development of the Smallholder Farmers (SHFs) of the agriculture sector. The formal financial institutions face a challenge to provide agricultural credit that meets the unique demands of SHFs in the agricultural. Although SHFs face...

This study empirically investigated the efficiency of revenue management at Lusaka City Council (LCC). Primary data was collected through individual questionnaires and in-depth interviews with LCC employees. Employing the Slovin formula, the sample size comprised 70 council workers selected...

This study investigated the impact of the COVID-19 pandemic on employment within Zambia's tourism industry, focusing on the years 2020 to 2022. The study used a quantitative research design in which 120 respondents from different tourism sectors participated. The findings revealed the impact of...

Background: street vending is a Globally practice differently in different countries. For example in china, it seems to be more structured because there are designated specific areas or markets for street vendors, providing them with permits and infrastructure stalls or kiosks, and such areas are...

The study investigated the relationship between mobile phone banking and the liquidity of selected branches of the National Savings and Credit Bank (NATSAVE) within the Lusaka District, Zambia. The research employed the embedded mixed research design, engaging NATSAVE employees and customers in...