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...
Download PDF ↓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...
Download PDF ↓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)...
Download PDF ↓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...
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