n AfricaGrowth Agenda - An investigation of the causes of financial exclusion in Zimbabwe

Volume 2016, Issue 07
  • ISSN : 1811-5187


Financial exclusion continues to be a serious problem in Zimbabwe. This study sought to examine the causes of financial exclusion in the Zimbabwean financial sector. This research was based on quantitative research approach. Data were collected from the commercial banks, building societies and the savings bank managers. Factor analysis was used to establish the main underlying causes of financial exclusion. The results indicate that the main causes to financial exclusion were liquidity crunch, cultural and occupation barriers, individual barriers, limited accessibility, financial conditions and gender issues. It is hoped that if the financial institutions management and policy makers take the results of this study seriously, the problem of financial exclusion in the country can be minimized.

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