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Financial Literacy Operationalization Model For Agribusiness Entrepreneurs In Zimbabwe

Lilian Gumbo et al.

Issues in Social and Environmental Accounting: An International Journal2023https://doi.org/10.7176/isea/s2-08article
ABDC C
Weight
0.41

What the paper says

Agribusiness is the cornerstone of the Zimbabwean economy as most people survive on agricultural related activities and it is regarded as the first step to fighting poverty among the rural population. However, the sector has not been performing well in terms of productivity due to various factors, which include poor management of borrowed funds, higher loan defaults and financial exclusion. The study sought to assess the level of financial knowledge, financial behaviours, and financial attitudes of agribusiness entrepreneurs and to develop an operationalisation model for improving financial literacy. Pragmatism research philosophy guided this research to use mixed method approaches and sequential mixed method research design. Quantitative data was first collected using a research questionnaire, followed by interviews that were conducted to build upon quantitative results. Multistage cluster sampling and convenience sampling was used to select research participants. Research findings established that agribusiness entrepreneurs: (1) have low financial knowledge, (2) exhibit poor financial behaviours (3) have good financial attitudes except for diverting a portion of business loans for personal use. The general level of financial literacy was very low among agribusiness entrepreneurs. Hence the study recommended a financial literacy operationalisation model for agribusiness entrepreneurs for consideration by policy makers. Keywords: Financial Literacy; Financial Knowledge; Financial Behaviour; Financial Attitude.

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https://doi.org/https://doi.org/10.7176/isea/s2-08

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@article{lilian2023,
  title        = {{Financial Literacy Operationalization Model For Agribusiness Entrepreneurs In Zimbabwe}},
  author       = {Lilian Gumbo et al.},
  journal      = {Issues in Social and Environmental Accounting: An International Journal},
  year         = {2023},
  doi          = {https://doi.org/https://doi.org/10.7176/isea/s2-08},
}

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Financial Literacy Operationalization Model For Agribusiness Entrepreneurs In Zimbabwe

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Evidence weight

0.41

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.17 × 0.4 = 0.07
M · momentum0.80 × 0.15 = 0.12
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.