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An investigation on the determinants of opening a bank account in Zimbabwe

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  • Kosmas Njanike

Abstract

The promotion of an inclusive financial system has become important to many countries in policy crafting. The study seeks to explore the determinants of opening an account with a bank in Zimbabwe. Data from Finscope Survey 2014 was used to estimate probit models and for robustness check Linear Probability Models. Using these data, the socioeconomic factors influencing individuals in deciding whether or not to open an account with a bank in Zimbabwe is analysed. According to our analysis, the decision to open a bank account by individuals is influenced by Location, Age, Gender, Marital status, Proof of residence, Employment history and Level of Education. There is need to build inclusive financial systems through different policies by governments and central banks. Financial literacy education and financial inclusion campaigns are paramount in improving levels of people opening bank accounts.

Suggested Citation

  • Kosmas Njanike, 2019. "An investigation on the determinants of opening a bank account in Zimbabwe," Development Southern Africa, Taylor & Francis Journals, vol. 36(4), pages 426-442, July.
    • Handle: RePEc:taf:deveza:v:36:y:2019:i:4:p:426-442
    DOI: 10.1080/0376835X.2018.1508987
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    Cited by:

    1. Sionfou Seydou Coulibaly, 2022. "An analysis of the factors affecting the financial inclusion in Côte d’Ivoire," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 11(1), pages 69-84, January.

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