Browsing by Author "Moyo, S."

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    Optimisation of the Linear Probability Model for Credit Risk Management
    (2014-11) Nyathi, K.T.; Ndlovu, Siqabukile; Moyo, S.; Nyathi, Thambo
    One of the aims of the banking business is to provide loans to applicants. Credit risk management plays an important role in banks, as loans generally account for half to three quarters of the total value of bank assets. Credit scoring is a systematic method for evaluating credit risk and assists decision makers determine whether or not to provide loans to applicants. Scoring models are systematic means of evaluating the creditworthiness of a loan applicant. However, existing scoring models cause some loan applications to be rejected unnecessarily as their credit rates are lowered to rejection levels due to lack of information such as previous loan payment data. This might be refusal of good credit, which potentially can cause the loss of future profit margins. This study aims at optimising one such credit scoring model to ensure that it uses only the critical scoring criteria to determine a credit score. The optimised model will not only reduce the proportion of unsafe borrowers, but also identify profitable borrowers.
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    Praying until death: apostolicism, delays and maternal mortality in zimbabwe
    (PLOS ONE, 2016-08-10) Dodzo, Munyaradzi K.; Mhloyi, Marvellous; Moyo, S.; Dodzo, Masawi M.
    Religion affects people’s daily lives by solving social problems, although it creates others. Female sexual and reproductive health are among the issues most affected by religion. Apostolic sect members in Zimbabwe have been associated with higher maternal mortality. We explored apostolic beliefs and practices on maternal health using 15 key informant interviews in 5 purposively selected districts of Zimbabwe. Results show that apostolicism promotes high fertility, early marriage, non-use of contraceptives and low or non-use of hospital care. It causes delays in recognizing danger signs, deciding to seek care, reaching and receiving appropriate health care. The existence of a customized spiritual maternal health system demonstrates a huge desire for positive maternal health outcomes among apostolics. We conclude that apostolic beliefs and practices exacerbate delays between onset of maternal complications and receiving help, thus increasing maternal risk. We recommend complementary and adaptive approaches that address the maternal health needs of apostolics in a religiously sensitive manner.