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All Journal International Journal of Financial, Accounting, and Management
Liberty Mudzengerere
Manicaland State University of Applied Sciences, Mutare, Zimbabwe
Decision Sciences, Operations Research & Management

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The Role of Mobile Money in Mitigating Financial Exclusion in Rural Zimbabwe: An Empirical Study Kudakwashe Munyepwa; Charity Ranganayi; Norah Gwesu; Liberty Mudzengerere; Mandongwe Lucia; Pauline Machaka
International Journal of Financial, Accounting, and Management Vol. 7 No. 4 (2026): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i4.3175

Abstract

Purpose: This study investigates the role of mobile money services in enhancing financial inclusion in rural Zimbabwe by addressing the barriers of traditional banking systems. Research Methodology: A mixed-methods approach was adopted, combining household surveys for quantitative data on mobile money usage with key informant interviews from mobile agents and local leaders for qualitative insights. Secondary data from institutions such as the Reserve Bank of Zimbabwe and POTRAZ provided context. Quantitative data were analyzed using SPSS, and thematic analysis was employed for qualitative responses. Results: The findings indicate that mobile money services, notably EcoCash, OneMoney, and TeleCash, significantly impact financial participation by reducing transaction costs and overcoming geographical barriers. Users benefit from improved access to savings, remittances, and microcredit, especially women and youth. Conclusions: Although mobile money addresses some aspects of financial exclusion, it is not a panacea. Challenges, such as limited network coverage and low digital literacy, persist, restricting their potential. Limitations: The study's focus on selected rural districts may not represent the entire country, and variations in participants' financial literacy could influence the survey results. Contributions: This research offers evidence-based insights for policymakers and stakeholders, emphasizing mobile money's potential to foster inclusive economic growth, mitigate poverty, and enhance financial access in developing economies.
How Do ESG Disclosure Practices Impact Firm Valuation and Capital Costs Across Different Industries? an Empirical Study Kudakwashe Munyepwa; Liberty Mudzengerere; Pauline Machaka Charity Ranganai; Norah Chishamiso Gwesu
International Journal of Financial, Accounting, and Management Vol. 7 No. 4 (2026): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i4.3178

Abstract

Purpose: This study examines the impact of environmental, social, and governance (ESG) disclosure practices on firm valuation and cost of capital, focusing on how the depth, quality, and consistency of reporting influence financial outcomes. Research Methodology: The study employs a 10-year panel dataset of publicly listed firms across industries and regions, using multivariate regression and fixed-effects models. It controls for firm size, leverage, profitability, risk exposure, and industry dynamics to isolate the effect of ESG disclosure on financial performance. Results: Firms with stronger and more consistent ESG disclosures tend to achieve higher market valuations and lower costs of capital. The impact varies by sector: environmental disclosures are more influential in capital-intensive industries, while social and governance disclosures play a greater role in service-oriented sectors. Conclusions: ESG disclosure serves as a signaling mechanism and reflects effective risk management, enhancing investor confidence and supporting long-term value creation. Limitations: The study relies on secondary ESG score databases, faces potential measurement inconsistencies across regions, and excludes privately held firms. Contributions: This study provides industry-specific evidence on the financial relevance of ESG transparency, supports the need for standardized reporting frameworks, and offers insights for aligning sustainability communication with capital market expectations.
Co-Authors Charity Ranganayi Kudakwashe Munyepwa Mandongwe Lucia Norah Chishamiso Gwesu Norah Gwesu Pauline Machaka Pauline Machaka Charity Ranganai