Business Management

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Browsing Business Management by Author "Charumbira, J."

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    Consumer Acceptance of Online Banking in Zimbabwe: An Extension of the Technology Acceptance Model
    (2022) Ntini, P.; Ndlovu, M.J.; Shava, G.; Charumbira, J.; Sibanda, B.
    An explosion of electronic banking systems over the years, particularly in developed countries has been powering economies closer to a cashless society as it removes the need for physical currency (cash) and physical payment systems and substituting them with cards (plastic money) and Internet (digital money). The study explores the extent of acceptance and usage of online banking by the general public as individuals, micro small and medium enterprises (MSMEs) and Corporates in transacting with commercial banks and building societies in Zimbabwe as well as investigates the challenges they face in the adoption of this technology. The study focused on how the technology acceptance model can be used to rate the acceptance and usage of online banking. The researchers used face to face interviews, focus group discussions and a questionnaire for primary data collection purposes. The model was tested with a survey sample (n= 100). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online-banking acceptance. Some of the key findings were the low uptake of online banking payment system as shown by the long winding queues that are still seen in all financial institutions. The research concluded that the lack of adequate money to justify having a formal account ranks high, followed by administration charges of maintaining an account as well as stringent requirements for customers to open accounts especially in the informal sector were burdensome. Therefore, there was need to relax the minimum requirements. Statements given to traders by the city councils could be used as proof of residence. Therefore, the researchers recommend that government departments like the courts, ZIMRA, VID, ZINARA and NSSA should lead by example in the usage of plastic money by making their operations Internet ready.
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    Service delivery challenges faced by Zimbabwean local Authorizes: A revisit of the impact of the 2013 ministerial directive
    (International Journal of Multidisciplinary Research and Growth Evaluation, 2022-10-10) Ncube, B.; Ncube, S.B.; Ndlovu, M.J.; Charumbira, J.; Hleza, S.
    This study was located within an interpretive paradigm and it adopted a mixed method approach which utilized both quantitative and qualitative approaches. In the study, the researchers tackled the unprecedented ministerial directive which was issued in the year 2013 to all local authorities in Zimbabwe to write off debts in respect of rentals, unit tax, development levies, licenses and refuse charges owed by individual ratepayers including water and rates charges arrears which had accrued to all residential properties over the period February 2009 to June 30, 2013. It appears the ministerial directive was the first of its kind in over a century old history of local governance in Zimbabwe. It is the unique nature of the directive which has motivated the researchers to study its impact on service delivery and lessons thereof for the future. Thus this study set out to explore the impact of this unprecedented directive on the abilities of local authorities to continue offering quality services to residents. The study was basically a case study of the City of Victoria Falls (CVF) in the interest of time. The study used a sample of one hundred (100) CVF ratepayers selected using stratified random sampling. In addition all the fifteen (15) managers of the municipality were used in the study. The primary instrument used to collect data was the self-administered questionnaire supplemented by the structured and unstructured interview guides. The research adopted a mixed method approach which utilizes both quantitative and qualitative approach. Quantitative data was analysed using descriptive statistics. Analysis of qualitative data involved a special set of interpretive practices and narrative techniques. The evidence from this study suggests that the major beneficiaries of the directive were ratepayers and Zanu PF as an election contestant. The study identified local authorities as major losers as they were adversely affected financially by the directive. The impact has been felt over a period of almost ten (10) years. In addition the study showed that the directive created huge debts for local authorities leading to their failure to meet their financial obligations in a period of almost ten (10) years which include failure to offer quality services. The study advanced a view that for local authorities to avoid being victims of such political directives in future they should intensify their revenue collection efforts which include offering prepaid services.