Article Per Year (5 Year)
p-Index From 2020 - 2025
0.562
P-Index
This Author published in this journals
All Journal Business and Finance Journal Jurnal Ekonomi Bisnis Manajemen Prima
Muzindutsi, Paul-Francois
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
DO FINTECH INNOVATIONS MATTER FOR THE EFFICIENCY AND STABILITY OF BANKS IN SOUTH AFRICA? Mhlongo, Njabulo; Kunjal, Damien; Muzindutsi, Paul-Francois
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7004

Abstract

Aim: This study investigates the impact of financial technology (Fintech) innovations on the efficiency and stability of banks listed on the Johannesburg Stock Exchange (JSE) between 2000 and 2023.Method: Using panel data techniques, the study employs Stochastic Frontier Analysis (SFA) to assess bank efficiency, Z-Score to assess bank stability, and the Generalized Method of Moments (GMM) to evaluate the relationships between fintech and banking sector dynamics. Key Findings: The results indicate that fintech innovations, particularly mobile transactions, significantly enhance operational efficiency in South African banks. However, fintech adoption has no statistically significant effect on banking sector stability, which remains largely influenced by traditional capital structures. Theoretical Contributions: The present study builds on existing research by concurrently examining the impact of fintech on both bank efficiency and stability, thereby providing a more comprehensive and nuanced perspective, an area that remains underexplored in emerging markets. Policy Implications: From a policy perspective, the findings underscore the need for a comprehensive regulatory framework that fosters innovation while safeguarding financial stability in South Africa's evolving banking landscape.
Assessing the impact of country risk on Non-Bank Financial Intermediation and Traditional Banking credit in African countries: A comparative analysis Oyetade, Damilola Tope; Aboluwodi, Damilola; Muguto, Hilary Tinotenda; Muguto, Lorraine; Muzindutsi, Paul-Francois
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 7 No. 1 (2025): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v7i1.7004

Abstract

This study examines the impact of country risk on Non-Bank Financial Intermediaries (NBFIs) in Sub-Saharan Africa and their role in credit intermediation between 2000 and 2022. NBFIs, crucial to emerging economies, provide credit to individuals and businesses, especially where formal institutions fall short. Using a fixed effects model with corrected standard errors on panel data from 30 Sub-Saharan African countries, the study compares the effects of country risk on NBFIs and traditional banks. Findings show that while country risk negatively affects NBFI lending, the impact is insignificant, contrasting with its significant negative effect on traditional bank credit. Financial development has a divergent effect, boosting traditional banks credit but hindering NBFIs. Furthermore, regulatory quality positively influences credit growth in both sectors, while the banking sector enhances NBFI activities and vice versa. These findings offer valuable insights for policymakers and regulators, highlighting NBFIs' vital role in sustaining credit flow amid rising country risk in Africa's evolving financial landscape.
Assessing the impact of country risk on Non-Bank Financial Intermediation and Traditional Banking credit in African countries: A comparative analysis Oyetade, Damilola Tope; Aboluwodi, Damilola; Muguto, Hilary Tinotenda; Muguto, Lorraine; Muzindutsi, Paul-Francois
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 7 No. 1 (2025): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v7i1.7004

Abstract

This study examines the impact of country risk on Non-Bank Financial Intermediaries (NBFIs) in Sub-Saharan Africa and their role in credit intermediation between 2000 and 2022. NBFIs, crucial to emerging economies, provide credit to individuals and businesses, especially where formal institutions fall short. Using a fixed effects model with corrected standard errors on panel data from 30 Sub-Saharan African countries, the study compares the effects of country risk on NBFIs and traditional banks. Findings show that while country risk negatively affects NBFI lending, the impact is insignificant, contrasting with its significant negative effect on traditional bank credit. Financial development has a divergent effect, boosting traditional banks credit but hindering NBFIs. Furthermore, regulatory quality positively influences credit growth in both sectors, while the banking sector enhances NBFI activities and vice versa. These findings offer valuable insights for policymakers and regulators, highlighting NBFIs' vital role in sustaining credit flow amid rising country risk in Africa's evolving financial landscape.
Co-Authors Aboluwodi, Damilola Kunjal, Damien Mhlongo, Njabulo Muguto, Hilary Tinotenda Muguto, Lorraine Oyetade, Damilola Tope