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In a bid to construct a decision-making model to remedy the contradictions encountered in lending decisions, the study explored the dysfunctionality caused by risk-return and loans default considerations in lending decisions. Whence Financial Services, a microfinance institution was selected as a...

For their daily activities, administrative and other costs, Local government authorities in Zambia rely almost exclusively on funding from Central Government chiefly due to their inability to mobilize enough revenue from local sources within their jurisdictions. Taking Gwembe District in Southern...