https://ir.cut.ac.zw:8080/xmlui/handle/123456789/4 2026-06-06T05:30:12Z 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/123456789/776 Strategic Pricing and Firm Success: A Study of SMEs in Zimbabwe Manuere, Faitira; Gwangwava, Edson; Jengeta, Mirriam Small to medium enterprises in Zimbabwe face a number of challenges. Access to financing continues to be a significant impediment to the creation, survival and growth of SMEs. SMEs are perceived to be a high risk profile by financial institutions. Managerial skills in handling finances and other technical requirements are often limited. This study focuses on yet another critical factor that determines the success and viability of any business. It is strategic pricing. This factor has received very little attention from researches. SMEs have multiple costs such as licensing, property fees, electricity, administrative costs, mailings and advertising. Strategic pricing means analysing diverse factors and deciding on a price that will cover costs of goods, overhead and gross margin. To that end, this study wishes to show the relationship between strategic pricing and firm performance in the context of Zimbabwe. Thus the relationship between strategic pricing and firm performance is measured using the following business perspectives, namely, profit maximisation, sales maximisation, customer satisfaction, survival, liquidity achievement, price differentiation and cost coverage. The questionnaire approach was used to collect data from a convenient sample of 50 SMEs drawn from all sectors of the economy. The study was conducted in Gokwe District in the Midlands Province. The SPSS Version 20 Software was used to analyse data. The results of the study show that there is a positive relationship between strategic pricing and firm performance (r = 0,654, p = 0, 01). 2015-06-15T00:00:00Z https://ir.cut.ac.zw:8080/xmlui/handle/123456789/775 Theoretical models of consumer behaviour: a literature review Manuere, Henry Takudzwa; Chikazhe, Lovemore; Manyeruke, Josphat The purpose of this study is to present the evolution of theories that have influenced consumer buying decision processes in a unique way. Consumer behaviour is the study of how individual customers or groups of organisations, select, buy, use, and dispose ideas, goods and services to satisfy their needs and wants. Marketers use theories of consumer behaviour to explain how consumers behave and to segment the market for consumers. Marketers make use of several theories of consumer behaviour, namely, traditional theories and contemporary theories. Traditional theories are based on economic principles or experiences of marketers, whereas modern theories are associated with empirical results. The concept of empirical means something that can be observed or measured. The theory of consumer behaviour is an explanation of facts in an orderly manner. However not all theories of consumer behaviour are good or sound. A sound theory of consumer behaviour describes both behaviour and the nature of the behaviour. Thus consumer behaviour theories are used to understand and predict the behaviour of consumers. To that end this study makes use of two important groups of theories, namely, the Buyer Behaviour theory and the theories of reasoned action. These theories will help us to conduct research on different aspects of consumer behaviour. Therefore the strengths and weaknesses of these theories are documented. 2022-01-15T00:00:00Z 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