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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,...

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...

Banking sectors play a crucial part in the growth of a country's economy. As a result, the banking sector's stability is critical to an economy's growth. However, commercial banks are faced with external environmental changes that may render negative as well as positive impacts on commercial...

In a bid to change the principal design of short term consumer credit pricing to address the adverse effects of high interest rates while promoting the positive attributes that continued to drive demand, this concurrent mixed methods study weaves together a multidisciplinary theoretical Interest...

Small and Medium Enterprises (SMEs) play an important role in the economic development of Zambia. Access to trade finance is important for the growth of SMEs. This study, therefore, was undertaken to assess the significance of the major determinants of Zambia National Commercial Bank (ZANACO)’s...

The study investigated the impact of decomposed oil price shocks on Zambia’s real aggregate output, its components, and financial markets. A Structural Vector Autoregressive Model was used for short-run analysis and Vector Error Correction Model for long-run analysis. The findings reveal that...

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...

According to Ali (2014), capital markets, across the globe, channel funds from savers to firms, which use the funds to finance projects. Efficient capital markets, therefore, make it easier for firms to raise capital because the markets determine the prices at which existing and potential...

The study examined the determinants of restoring the culture of saving in banks among Zimbabweans over the post-independence Zimbabwe. The findings showed that there was inadequacy of savings products in the market to meet different savings requirements of the diverse population. The study also...