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Banking Basics

Authored By:
Clive Mphambela

Common Causes of SMEs Business Failure
Clive Mphambela

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Authored By:
Clive Mphambela

The evolution of modern money as we know with all its desired characteristics of stability, transferability, credibility, liquidity, divisibility and so on has taken several years of iterative behaviour by economic agents.

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Authored By:
BAZ

Please find the Signed Code of Banking Practice document here.

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Authored By:
Sanderson Abel

Banks have come a long way from the temples of the ancient world, when they played a pivotal role in keeping empires and countries afloat. Although history has altered the finer points of the business model, the bank's purpose, for a long time, has remained that of protecting depositor’s money and lending those in need of funds for projects.

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Authored By:
Sanderson Abel

Saving is the process of setting aside a portion of current income for future use. The resources accumulated in this way over a given period of time are referred to as “savings”. Savings may take the form of bank deposits and cash holdings or securities.

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Authored By:
Sanderson Abel

It is important to realize that efficient allocation of savings through identification and funding of entrepreneurs with the best chances of successfully implementing innovative products and production processes are tools to achieve the growth objective as enunciated in the Zim Asset Program.

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Authored By:
Sanderson Abel

The debate around the efficacy of the financial institutions in Zimbabwe has been going on since the introduction of the multicurrency system in 2009.

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Authored By:
Sanderson Abel

Economic conditions in a country determine, the quality of clients that banks will acquire. In stable economies, bank clients are of good quality and a credit culture is well established in the society. This in turn makes it possible to maintain relatively low levels of Non-Performing Loans.

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Authored By:
Sanderson Abel

Borrowing from the bank is important from an individual perspective or from an organizational perspective.  However, all borrowings from whatever source; banks, credit stores, microfinance institutions etc. must be repaid. The ability of economic agents to repaying their loans establishes good track record and credit history.

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Authored By:
Sanderson Abel

The Zimbabwean economy has undergone tremendous changes in the last decade and a half against the backdrop of rapid de industrialization and informalisation of the economy. 

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