Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia
| dc.contributor.advisor | Alhassan, Abdul Latif | |
| dc.contributor.author | Masialeti, Nalumino | |
| dc.date.accessioned | 2022-02-28T08:10:16Z | |
| dc.date.available | 2022-02-28T08:10:16Z | |
| dc.date.issued | 2021 | |
| dc.date.updated | 2022-02-28T08:09:54Z | |
| dc.description.abstract | This study investigated Zambia's current financial inclusion state with specific reference to micro, small and medium enterprises (MSMEs). It also sought to determine the relationship between the age of the owner of MSME, size, literacy, gender, age, the period of operations, asymmetrical information, and financial inclusion in Zambia. The data collected from 70 respondents comprising MSMEs owners were analysed using multiple regression, correlation analysis and descriptive statistics. The research employed dependent variables, notably access, availability, and financial services, as the dependent variable. In contrast, independent variables included the size of MSME, literacy level, income level of the owner of MSME, the period of operations and asymmetrical information. On the one hand, the empirical findings indicate a positive relationship between usage and availability of financial services, and 'MSME's age of owner, size, literacy, gender, age, operation period, asymmetrical information in Zambia. On the other hand, findings, however, also show a negative relationship between gender and financial inclusion access. Whilst a positive relationship with the remaining independent variables. Accordingly, the study concluded that financial inclusion is evident in Zambia among MSMEs. However, the primary issue is that most MSMEs do not have access to formal funding from formal financial institutions. Therefore, the study calls for policies to be put in place to help MSMEs have access to formal financing. In addition, it also proposes formalising 'women's informal sector, financial literacy roadshows for women in the informal sector, training women in digital skills to enable them to have better access to financial services and giving financial institutions targets to onboard women-led MSMEs. | |
| dc.identifier.apacitation | Masialeti, N. (2021). <i>Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia</i>. (). ,Faculty of Commerce ,Graduate School of Business (GSB). Retrieved from http://hdl.handle.net/11427/35858 | en_ZA |
| dc.identifier.chicagocitation | Masialeti, Nalumino. <i>"Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia."</i> ., ,Faculty of Commerce ,Graduate School of Business (GSB), 2021. http://hdl.handle.net/11427/35858 | en_ZA |
| dc.identifier.citation | Masialeti, N. 2021. Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia. . ,Faculty of Commerce ,Graduate School of Business (GSB). http://hdl.handle.net/11427/35858 | en_ZA |
| dc.identifier.ris | TY - Master Thesis AU - Masialeti, Nalumino AB - This study investigated Zambia's current financial inclusion state with specific reference to micro, small and medium enterprises (MSMEs). It also sought to determine the relationship between the age of the owner of MSME, size, literacy, gender, age, the period of operations, asymmetrical information, and financial inclusion in Zambia. The data collected from 70 respondents comprising MSMEs owners were analysed using multiple regression, correlation analysis and descriptive statistics. The research employed dependent variables, notably access, availability, and financial services, as the dependent variable. In contrast, independent variables included the size of MSME, literacy level, income level of the owner of MSME, the period of operations and asymmetrical information. On the one hand, the empirical findings indicate a positive relationship between usage and availability of financial services, and 'MSME's age of owner, size, literacy, gender, age, operation period, asymmetrical information in Zambia. On the other hand, findings, however, also show a negative relationship between gender and financial inclusion access. Whilst a positive relationship with the remaining independent variables. Accordingly, the study concluded that financial inclusion is evident in Zambia among MSMEs. However, the primary issue is that most MSMEs do not have access to formal funding from formal financial institutions. Therefore, the study calls for policies to be put in place to help MSMEs have access to formal financing. In addition, it also proposes formalising 'women's informal sector, financial literacy roadshows for women in the informal sector, training women in digital skills to enable them to have better access to financial services and giving financial institutions targets to onboard women-led MSMEs. DA - 2021_ DB - OpenUCT DP - University of Cape Town KW - Zambia KW - micro, small and medium enterprises KW - MSMEs LK - https://open.uct.ac.za PY - 2021 T1 - ETD: Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia TI - ETD: Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia UR - http://hdl.handle.net/11427/35858 ER - | en_ZA |
| dc.identifier.uri | http://hdl.handle.net/11427/35858 | |
| dc.identifier.vancouvercitation | Masialeti N. Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia. []. ,Faculty of Commerce ,Graduate School of Business (GSB), 2021 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/35858 | en_ZA |
| dc.language.rfc3066 | eng | |
| dc.publisher.department | Graduate School of Business (GSB) | |
| dc.publisher.faculty | Faculty of Commerce | |
| dc.subject | Zambia | |
| dc.subject | micro, small and medium enterprises | |
| dc.subject | MSMEs | |
| dc.title | Micro, small medium enterprise (MSMEs) and financial inclusion in Zambia | |
| dc.type | Master Thesis | |
| dc.type.qualificationlevel | Masters | |
| dc.type.qualificationlevel | MBA |