PHD/DBA THESES

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Determinants of restoring a culture of saving in banks among Zimbabweans
(2018) MAKURUMIDZE, Shepard
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 found a weak association between the savings practice among Zimbabweans and the crucial macroeconomic fundamentals as well as low confidence by bank customers with the Zimbabwean financial market emanating from the inadequate legal and policy framework. The policy and legal conditions, politics, the poorly performing economy as well as product inadequacy in the financial market across the diverse population were the major factors inhibiting the restoration of the culture of saving in banks among Zimbabweans. The study recommended the analysis of the savings behaviours of the marginalised communities in Zimbabwe like the rural communities, women and the disabled in view of the adoption of mobile and electronic banking by the financial services sector.