Abstract: This study highlights drought characteristics and the long-term and short-term responses to drought stresses employed by Shebelley pastoralists of Fafan zone, Somali region. To achieve the objectives of this study, cross-sectional study design has been conducted. Both qualitative and quantitative data were combined to identify drought coping and adaptations strategies of Shebelley pastoralist with 120 households’ interviews, focus group discussions and key informant interviews we...
Abstract: This research entailed slope stability analysis of Orapa Mine Slurry Dam 2, located at Orapa in Botswana. The Finite Element (FE) Strength Reduction Technique was used and findings were compared with results from three Limit Equilibrium analysis techniques, namely Bishop Simplified, Spencer’s and Morgenstern-Price methods. The FE analysis was executed using the geotechnical engineering Rocscience software often referred to as Phase 2 or RS2 and the LE analysis was executed using ...
Abstract: An optimum design of box cuts in soil formations is very crucial in order to obviate the major risk factors originating from the collapse of sidewalls and flooding of excavations during storm rainfall. The present paper aims to present a holistic classification of the Kalahari Formation stratigraphy in Zone 5 and define engineering properties of each lithological unit, in order to establish a safe working design. For the present objectives, collection of data was carried out throug...
Abstract: The research investigates into the impediments and the best practice use of derivatives in Zimbabwe, Botswana and South Africa. The research has been based on a mixed method research approach. The significance of the study has been to identify the gaps in the use of derivatives and the factors that have given rise to the gaps. It has been revealed that Banks in Zimbabwe only use the simple forward agreements derivative to hedge risk. In Botswana only simple forward agreements, fore...
ABSTRACT The study sought to explore the adoption of a risk based approach to solvency management in the Zimbabwean short term insurance industry. The review of literature was carried out in order to establish what other authors had to say on the subject. To come up with a sample of 17 short term insurers and reinsurers out of a target population of 33 operational insurance and reinsurance companies, the researcher used stratified sampling technique since the study population comprised of dif...
ABSTRACT The management of operational risk has become prominent following the large operational losses experienced by financial institutions in the past years. The research zeroed in on the operational risk management practices in microinsurance companies in Zimbabwe. The main objective of the research was to assess operational risk management strategies employed by the microinsurance companies and how the strategies can be effectively managed to curb the potential losses from occurring. The...
ABSTRACT Households and organisations in the world have come to accept that risk is inevitable in every sphere of life. The insurance mechanism has been used to address risks faced by both organisations and households. The purchase of insurance saw many people who have adopted it enjoy a number of benefits it brings. Like many African countries, Zimbabwe has also experienced low insurance penetration rate as a result of a number of challenges. The process of increasing the penetration rate ha...
Abstract The research sought to investigate the practicability of introducing usage-based insurance to the Zimbabwean motor insurance industry so as to address shortcomings of the traditional rating method. Literature was reviewed on the different UBI programs, telematics, the shortfalls of the traditional dating method, benefits of UBI, how to implement it in to practice, the challenges with implementing it in the Zimbabwean context and a case study of Discovery Insure, a South African insu...
Abstract The purpose of this research was to analyse the uptake of agricultural insurance services by the agricultural sector for sustainable socio economic development in Zimbabwe. The research covered the period of 2000 to 2015. The research focused on A1 and A2 farmers which consisted of subsistence and small-medium scale commercial farmers. Agriculture is a risky enterprise due to its cyclical nature, risk of loss from fires and natural disasters. The researcher established that agricultu...
ABSTRACT The study examined determinants of farmer participation in agriculture micro insurance in Zimbabwe specific reference to peri urban area in Harare. The study was promoted by low uptake of agriculture insurance products being experienced by companies offering agriculture micro insurance. There was need in the market to develop a product that is affordable due to the informalised nature of the Zimbabwean sector. There is need to reach to the poor households and mitigate their level of ...
ABSTRACT This study examined the impact of dollarization on pensioners in Zimbabwe with Old Mutual as a case study. The objectives were to find out how dollarization affected retirees and ways to compensate the aggrieved pensioners. A review of literature on the subject of dollarization was done and the findings provided a good foundation in the understanding of the. Data was collected by way of questionnaires and interviews from a sample size of twenty people randomly selected from a populat...
ABSTRACT Residential real estate, in recent times, has attracted a lot of attention due to its strong economic performance which is mainly as a result of increasing demand for housing and additional diversification benefits offered to investors in the region; making real estate investment extremely lucrative. Nonetheless many investors have doubts about the prudence of investing in emerging markets. In particular it may be felt that the expected returns offered in the countries of the Africa...
ABSTRACT The objective of this paper was to determine the probability and extent of loan delinquency among Credit unions in Ghana. The independent double hurdle model was used to analyze primary data collected from 300 loan beneficiaries of 30 Credit Unions that are under the Accra Chapter of the Credit Union association of Ghana (CUA). Based on the regression results it was found that among the variables that were considered, only four out of eleven variables significantly influenced the pro...
ABSTRACT The purpose of the study is to investigate susceptible risk activities of insurers from the new risk-based supervision framework and determining whether a significant difference exists between the inherent risk exposures of insurers and their risk management control functions. The development of better and effective strategies for prioritizing resources as a way improving the financial health of insurance companies coupled with risk management controls to avoid insurers’ insolvency...
ABSTRACT Pension scheme providers in Ghana adopt different asset allocation (the proportion of pension funds that need to be invested into different assets like equities and bonds) as an investment strategy. For instance, SSNIT seems to adopt a 60% bond allocation (fixed income investment) and 30% equity allocation (non-fixed income investment) as an investment strategy over the last decade. This study investigates the role of fixed income in pension schemes investment in Ghana by specifical...