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  • 1
    Online Resource
    Online Resource
    Sivio Institute ; 2023
    In:  African Journal of Inclusive Societies Vol. 2, No. 1 ( 2023-02), p. 61-82
    In: African Journal of Inclusive Societies, Sivio Institute, Vol. 2, No. 1 ( 2023-02), p. 61-82
    Abstract: The purpose of the study is to investigate the successes, gaps, limitations and failures of initiatives to improve financial inclusion in Zimbabwe and their potential impact on achieving citizen-centred inclusive socio-economic development. Our study contributes to the limited knowledge on financial inclusion in Zimbabwe by presenting findings from a 2021 study on the financial inclusion of micro, small and medium enterprises in Zimbabwe. The study’s findings are complimented by a review of other citizen-focused studies on financial inclusion in Zimbabwe. Key findings from this study include notable effort by the supporting system to improve the policy environment, improved access to financial services for women and integration of digital technologies to enhance financial inclusion. However, the empirical evidence from the enterprises indicates continued challenges in both the demand and supply sides and also shows how these are caused by the complex nuances of operating in Zimbabwe, which require urgent attention. The study identifies the current limited commitment by political stakeholders to articulate deliberate policies and programmes that support citizen-centred financial inclusion as a major challenge. We propose a framework for relevant conceptualisation of financial inclusion which involves a deliberate process of citizen engagement in co-designing and co-creating intervention and impact measurement strategies that are responsive to the lived circumstances of the citizens and enterprise.
    Type of Medium: Online Resource
    ISSN: 2958-9444
    URL: Issue
    Language: Unknown
    Publisher: Sivio Institute
    Publication Date: 2023
    Location Call Number Limitation Availability
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  • 2
    Online Resource
    Online Resource
    Sivio Institute ; 2023
    In:  African Journal of Inclusive Societies Vol. 2, No. 1 ( 2023-02), p. 48-60
    In: African Journal of Inclusive Societies, Sivio Institute, Vol. 2, No. 1 ( 2023-02), p. 48-60
    Abstract: In Zimbabwe, as in many African countries, land remains a basic strategic asset for those who live in the rural areas. Particularly, for those people in customary tenured areas, access to land is negotiated through identity. Most Zimbabweans either live or have land rights in customary tenure areas. Here, land is not a commodity that can be traded nor is it regarded as an individual asset. Disputes related to access, ownership and use of customary tenure land are handled in traditional courts presided over by chiefs and their subordinate structures. Those who dwell in customary tenure areas have no direct relationship with civil courts, where private property disputes are resolved, but instead, must go through the traditional courts. In one of my earlier publications, I have argued that the involvement of traditional courts in customary land tenure issues is the hallmark of classical citizenship. While I continue to proffer this argument in the current study, the study also illustrates how traditional authority has, over the years become an appendage of the state through strategic measures which include salaries for chiefs, vehicles, rural electrification, and power that comes with being entrusted with the role of distributing subsidies. Additionally, the exclusion of customary tenure areas from formal financial services means that households are at the mercy of government led subsidies which are steeped within the political interests of the ruling party ZANU-PF. In many cases, government subsidies end up being used as incentive to support the incumbent party. In such instances, elected officeholders take the lead in the distribution of these subsidies. The relationship between land tenure and democracy is perhaps the most compelling for reforms, but rarely discussed. In this study I expand on my previous interventions by arguing that the ways in which land is held in customary tenure areas and the existing subsidy regimes have played a critical role in restricting rural residents’ autonomy to make autonomous political choices. I further argue that the autonomy to choose is mostly compromised in contexts where access to productive resources such as land, markets, mechanical, financial, and physical capital are negotiated through subservience to traditional authorities who are politically affiliated.
    Type of Medium: Online Resource
    ISSN: 2958-9444
    URL: Issue
    Language: Unknown
    Publisher: Sivio Institute
    Publication Date: 2023
    Location Call Number Limitation Availability
    BibTip Others were also interested in ...
  • 3
    Online Resource
    Online Resource
    Sivio Institute ; 2023
    In:  African Journal of Inclusive Societies Vol. 2, No. 1 ( 2023-02), p. 82-104
    In: African Journal of Inclusive Societies, Sivio Institute, Vol. 2, No. 1 ( 2023-02), p. 82-104
    Abstract: The real effectiveness of foreign aid or overseas development assistance is evident in the improvement of the livelihoods of the recipients for the better. There have been numerous debates and discussions around the extent to which foreign aid brings about true development for countries in the global south. In the case of Zimbabwe, foreign aid and its reduction have been linked to the political standoff between the country and the west, particularly after the implementation of the controversial land reform program. Coupled with a protracted economic crisis that has stretched for over 20 years, the expectation was for the country to completely collapse. However, this has not been the case. Citizens found ways or alternatives to continue with their lives and develop mechanisms of resilience and solidarity that allowed them to keep on going even amid the political and economic crises of the last 22 years. How did they do this and what role can this play in advancing a more inclusive society and approach to development This paper explores this question.
    Type of Medium: Online Resource
    ISSN: 2958-9444
    URL: Issue
    Language: Unknown
    Publisher: Sivio Institute
    Publication Date: 2023
    Location Call Number Limitation Availability
    BibTip Others were also interested in ...
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