https://ir.cut.ac.zw:8080/xmlui/handle/123456789/38 2026-06-06T04:29:36Z https://ir.cut.ac.zw:8080/xmlui/handle/123456789/777 Non Performing loans in Commercial Banks: A case of CBZ Bank Limited In Zimbabwe Mabvure, Tendai Joseph; Gwangwava, Edson; Manuere, Faitira; Mutibvu, Clifford; Kamoyo, Michael The purpose of the study was to find out the causes of non-performing loans in Zimbabwe. Loans form a greater portion of the total assets in banks. These assets generate huge interest income for banks which to a large extent determines the financial performance of banks. However, some of these loans usually fall into non-performing status and adversely affect the performance of banks. In view of the critical role banks play in an economy, it is essential to identify problems that affect the performance of these institutions. This is because non-performing loans can affect the ability of banks to play their role in the development of the economy. A case study research design of CBZ Bank Limited was employed. Interviews and questionnaires were used to collect data for the study. The paper revealed that external factors are more prevalent in causing non performing loans in CBZ Bank Limited. The major factors causing non performing loans were natural disasters, government policy and the integrity of the borrower. 2012-11-01T00:00:00Z https://ir.cut.ac.zw:8080/xmlui/handle/123456789/774 An Assessment of Risk Management Practices in Smes in Zimbabwe: A Review and Synthesis Edson Gwangwava, Faitira Manuere, Gutu Kudakwashe, Chinoda Tough, Frank Rangarirai Gwangwava, Edson; Manuere, Faitira; Kudakwashe, Gutu; Tough, Chinoda; Rangarirai, Frank This study used exploratory and descriptive survey research design to assess the level of risk management by SMEs in Zimbabwe with particular emphasis on the knowledge possessed by SMEs Owners/managers and the insurance cover undertaken by their business with a view to reducing their risk. The study used a sample of 380 SMEs operating in different lines of business. Both open ended and closed questionnaires were distributed to owners of the SMEs selected for the study and the data collected were analysed using descriptive statistics .The findings reveal that 90% of SMEs have a poor knowledge of the concept of risk and consequently do not have insurance cover .The majority of SMEs did not have risk management strategies in place to address risk management issues. 2014-01-01T00:00:00Z https://ir.cut.ac.zw:8080/xmlui/handle/123456789/745 Fiscal policies intertwined to public-private partnership investment in water and sanitation for achieving SDG 6: a systematic literature review Madzivanyika, Cuthbert; Utete, Beaven; Mabvure, Tendai Joseph; Sango, Ishmael Alone, the public sector cannot help nations achieve Sustainable Development Goal 6 target by 2030 due to financial constraints. Studies indicate that shifting water financing policies creates unequal social and economic impacts across different regions and timeframes. These disparities stem from the uneven natural distribution of water and the ongoing competition between different sectors for limited resources. Complex, ostensibly, synergistic public-private partnerships in water financing distends and intersperse with geopolitical dynamics disenfranchising fragile livelihoods in least developed nations with contrasting patterns for the developed world. A caveat looms in synthesizing, developing, decoding and integrating fiscal policies to incentivise multifaceted stakeholder financing, participation and uptake and mainstreaming holistic water and sanitation projects for sustainable livelihoods. This contemporary systematic and bibliometric literature review used a derivate SPAR-4-SLR model to evaluate the contribution of financial paradigms and fiscal policies toward the attainment of SDG 6 targets by 2030 for Africa, Asia, and South and North America. Extensive research highlights a persistent financing gap in the water and sanitation sectors, which fundamentally aligns with global patterns of systemic poverty. While developed nations have successfully leveraged functional public-private partnerships to address these shortfalls, lower-income regions remain trapped by a lack of investment capital. Future research imperatives delegate towards evaluating the stochastic impacts of capital markets, in tandem with tailored water market instruments buttressed by donor funding and innovative localized funding mechanisms to achieve SDG 6 by 2030. 2026-03-04T00:00:00Z https://ir.cut.ac.zw:8080/xmlui/handle/123456789/715 Sustainability of Corporate Social Responsibility Initiatives in Platinum Mining Communities in Zimbabwe Sithole, Munoneka; Mutize, Elisha; Sifile, Obert; Qanga, Enathi; Mthombeni, Admire For Mining companies that have operations in the developing economies, Corporate Social Responsibility has increasingly become a strategic imperative in which mining activities have greatly influenced social, economic and environmental wellbeing of such host communities. In Zimbabwe’s platinum mining sector, the growing expectations that mining companies contribute meaningfully to community development have intensified debates over the long-term sustainability of Corporate Social Responsibility (CSR) initiatives. The study sought to assess the impacts of CSR initiatives by platinum companies on community sustainable growth and foster strategies that promote the sustainability of CSR initiatives on platinum mining communities in Zimbabwe. The study was hinged on Institutional theory and adopted a mixed-methods research approach, pragmatism philosophy, and a cross-sectional survey design. A sample size of 354 was used, drawn from community leaders, Ministry of Mines officials, Businesspersons, and School Heads from major platinum Mines in Zimbabwe, namely Unki, Mimosa, and Zimplats. Stratified random sampling and purposive sampling were used for quantitative and qualitative data, respectively. An interview guide and structured questionnaires were used as research instruments. SPSS version 23 with Amos was used for analyzing quantitative data whilst NVivo 12 was used for the analysis of qualitative data. The findings showed that CSR socially helps the vulnerable groups in platinum mining communities, sustainable recycling helps build community trust and reputation and natural resources replenishment. The study found that strategies that may be employed within the platinum mining sector to promote sustainability of CSR initiatives on platinum mining communities in Zimbabwe are legislation of CSR that compels for platinum mines to compulsorily undertake economic responsibility, ethical practices, philanthropism and involving community leaders in CSR initiatives. This study recommends that platinum mines should commit themselves to ethical, economic, and philanthropic practices. Keywords: Corporate Social Responsibility CSR Sustainability Ethical Responsibility CSR initiatives Economic Responsibility Funding: This research received no specific grant from any funding agency in the public, commercial, or not-for-profit sectors. 2025-01-01T00:00:00Z