Purpose: Despite the inescapable picture of hardships and circumstances in Zimbabwe, there has not been dedicated research focused on understanding the management of household finances, particularly to assess financial distress and how it varies among Zimbabweans. This study aims to use survey...

Women and youth in developing countries remain unserved or underserved by formal financial services. The rise of digital financial services (DFS), including mobile money, provides a promise to accelerate financial and economic inclusion to these population segments. As a result, both academic...

Expanding digital fnancial services (DFS) such as mobile money has become a key policy intervention for many developing and emerging countries as they seek to fasttrack fnancial and economic inclusion. To date, adults in these markets have had more mobile money accounts than traditional bank...

Microfinance institutions (MFIs) are a prominent financial inclusion initiative in many developing countries. In Zimbabwe, however, less is known about microfinance borrowers, determinants of loan utilisation and borrowers' repayment behaviour. Demonstrating that MFIs serve those who are...

Purpose As an alternative poverty analysis approach, the purpose of this paper is to map the patterns of multiple deprivation in all 13 administrative regions of Namibia using the National Household Income and Expenditure Survey data. Design/methodology/approach Unsupervised statistical learning...

Digital financial services and more importantly, mobile money, have become an important financial innovation to advance financial inclusion in developing and emerging economies. While digital financial services have improved the lives of many Kenyans, to the growing betting segment of the Kenyan...

This paper proposes a novel system-wide multi-state framework to model state occupations and the transitions among current, delinquency, default, prepayment, repurchase, short sale and foreclosure on mortgage loans. The approach allows for the modelling of the progression of borrowers from one...

Digital financial services and more importantly, mobile money, have become an important financial innovation to advance financial inclusion in developing and emerging economies. While digital financial services have improved the lives of many Kenyans, to the growing betting segment of the Kenyan...