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Since Zambia's 1991 economic liberalization, there has been notable growth in the retail banking sector. The search for quality is perhaps the most important consumer trend in recent years because consumers are now more demanding than ever. In an era of rapid global change, customers have diverse...

This research focused on assessing the extent to which demand side and supply side factors affect women’s access to financial services from microfinance institutions: a case of women entrepreneurs in Zambia. The study was carried out in Lusaka and the main objectives of the study were to...

The Study aimed to understand the factors that influence the adoption of mobile money services for business transaction purposes by small and medium enterprises (MSEs) in Lusaka. The aim was divided into three specific objectives. These objectives were to assess the factors that determine the use...

Scholars have argued that although Enterprise Risk Management (ERM) is a necessity to organizations or companies, the rate of implementation is still low (Mc Neil, 2015). The problem however, remains that most authors have not specifically looked at the effects of Enterprise Risk management...

Corporate Governance can be defined as the directing and controlling of corporations. It became popular after the collapse of several large corporations such as Enron and WorldCom. The collapse of corporations caused depositors to lose their savings, investors to lose their investments worth...

Internal audit is an important part of public sector performance and enforcement of control systems. It includes among other things financial management to ensure that public funds are Used for the intended purpose whilst following the standard procedures. This research examines the sufficiency...

Financial development enhances human development, and access to financial services makes a positive impact on people‘s lives, particularly the poor. The importance of an inclusive financial system, across the globe, is widely recognized in the policy circles and has become a policy priority in...

The main objective of this research was to assess factors affecting saving culture among civil servants in Zambia. The specific objectives were based on investigating the link between real income of civil servants and their level of savings in Lusaka, to study the relationship between the rate of...

Empirical studies have shown that Entrepreneurial Orientation is an important catalyst in the process of improving firm performance and growth . This study analyses Entrepreneurial Orientation (EO) dimensions (autonomy, competitive aggressiveness, innovativeness, pro-activeness, and risk taking)...

Zambia’s central bank – Bank of Zambia (BOZ) - has reported that the banking sector has been satisfactory in its performance and conduct, it has relied on financial ratio analysis, an approach which has been found to be inadequate in many aspects. Financial ratio analysis as a measure of...