Browsing by Author "ZIMBA, Priscovia Kalaba"

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    Assessing the effects of Personal Financial Debt on Employee Job Performance: A Case Study of Solwezi General Hospital
    (2026) ZIMBA, Priscovia Kalaba
    This study aimed to investigate the impact of personal financial debt on employee job performance, focusing on Solwezi General Hospital in Zambia. Three specific objectives guided the research: to assess the level of individual financial debt among employees, to determine its effect on job performance, and to explore the relationship between economic stress and employee productivity. This study employed a mixed-methods approach, collecting data from 186 respondents via structured questionnaires and key informant interviews. Descriptive statistics were used to summarise financial behaviours and workplace outcomes, while inferential techniques, including Pearson correlation and multiple regression, tested relationships between variables. The findings revealed that personal financial debt is widespread among employees, with high incidences of mobile money loan usage, salary deductions for repayment, and borrowing for daily expenses. These financial pressures were linked to considerable emotional stress. Although regression analysis showed low predictive strength, qualitative data highlighted behavioural signs of anxiety, such as absenteeism, reduced focus, interpersonal conflict, and demotivation. Employees recognised that financial burdens impeded their ability to perform optimally, particularly in team-based tasks and during periods of peak workload. The study was framed within the context of the Conservation of Resources (COR) Theory and Maslow’s Hierarchy of Needs. COR Theory explained the observed resource depletion and stress behaviours, while Maslow’s framework illustrated how unmet financial needs hindered higher- level workplace engagement. Together, these frameworks provided a solid foundation for understanding the psychological mechanisms linking debt and job performance. The study recommends implementing financial wellness programmes, in-house counselling services, partnerships with ethical credit providers, salary advance schemes, and integrating financial literacy into employee training programmes. However, the insights generated offer significant contributions to policy and practice in Zambia’s healthcare system and beyond. The research emphasises the importance of institutional strategies that promote financial stability as a means to enhance employee wellbeing and organisational productivity. Keywords: Financial debt, performance, wellness, financial literacy, financial stability, organisational productivity.