The study sought to investigate the performance measurement practice of retail Micro, Small and Medium Enterprises (MSMEs) in Zimbabwe and to develop a performance measurement framework for monitoring and managing the performance of retail MSMEs in developing countries. The performance measurement framework may enhance the chances of success and survival of these retail MSMEs. The framework was developed based on a review of the literature and an empirical study. Questionnaires were administered to 373 owner/managers of which only 189 responded. Interviews were held with 20 senior employees in the accounts/finance departments of MSMEs. Stratified random sampling was employed to select the 20 senior employees interviewed. Interviews were also held with eight (8) owner/managers who were purposively selected from the 189 MSMEs who participated in the study. It was established that most of the MSMEs do not measure the CSFs identified from the literature review. The study identified innovation, management of costs, and management of customers, management of competitors, market scanning, employee motivation, and management of regulators as the factors that need to be measured and monitored if MSMEs are to succeed. The performance measurement framework which emerged from the study focused more on measurement of non-financial performance rather than financial performance. Most owner/managers interviewed indicated that the proposed performance measurement framework can be used to enhance the performance of MSMEs. The study recommends that a confirmatory study such as structural equation modelling should be carried out in order to test the cause-effect relationship between the CSFs identified in this study. The study also recommends a longitudinal study where the researcher will assess the performance measurement practices of the retail MSMEs over time rather than relying on the perceptions of owner/managers and employees of the MSMEs. Keywords: Critical success factors, MSMEs, performance measurement, / Management Accounting / D. Phil. (Management Accounting)

Ph. D. (Department of Business Administration, Faculty of Management Sciences), Vaal University of Technology. / The Small and Medium Enterprise (SME) sector has been receiving increased global attention from governments, researchers and management practitioners in both developed and developing nations as a vehicle for economic growth. The Zimbabwean SME sector has been on record as minimising the impact of the economic challenges on the economy thus proving the strategic role played by the SME sector in improving economic growth. Therefore, the Zimbabwean government has high hopes of resuscitating the economy through empowering the SME sector. However, the sector is inundated by challenges that have retarded its effectiveness in achieving the government’s expectations. Some key limitations and challenges include short life span of the SMEs, entrenchment of archaic business practices, lack of financial capitalisation and the failure to adopt a supply chain perspective of business. Although several solutions to the problem have been proposed and implemented, one solution that has not been fully tested relates to how people-centred knowledge management systems (KMSs) can be harnessed to improve the performance of SME supply chains in Zimbabwe. Therefore, the purpose of this study was to investigate the relationships between people-centred KMSs, knowledge sharing and supply chain performance (SCP) in the Zimbabwean SME sector. The study adopted a quantitative research method in which a survey design was implemented in collecting the data that were used to test the relationships on people-centred KMSs (i.e. communities of practice (CoPs), innovation management, organisational culture and social capital); knowledge sharing and SCP (i.e. time-related performance (TRP), cost-related performance (CRP), responsiveness-related performance (RRP) and operation quality-related performance (OQRP). A structured survey questionnaire was designed using measurement scales adapted from extant literature and it was administered to a sample of 580 SME owners, managers and employees who had some prior understanding of knowledge management, information technology and supply chain management. The collected data were analysed using the Statistical Packages for Social Sciences (SPSS) Version 25.0 and the Analysis of Moment Structures (AMOS) Version 25.0 statistical software. The data were analysed using both descriptive and inferential statistics. The statistical techniques used included measures of central tendency, cross-tabulations, factor analysis, multiple linear regression analysis, path analysis and structural equation modelling. The results of the study showed that SME employer qualifications (Kendall-tau = 0.88; p=.000), work experience (Kendall-tau = 0.86; p=.001) and nationality (Kendall-tau = 0.79; p=.010) as well as SME business sector (Kendall-tau = 0.89; p=.000) can be used to predict SME life span in the Zimbabwe SME sector. The results also showed significant relationships between three people-centred KMSs, namely, CoP (β=0.639, t=9.656, p=0.000), innovation management (β =-0.337, t=-8.578, p=0.000) and organisational culture (β=-0.261, t=-4.083, p=0.000) and knowledge sharing. The relationship between social capital and knowledge sharing was insignificant (β=-0.076, t=0.177, p=0.859). Significant relationships were also realised on knowledge sharing and three process-based SCP sub- factors, namely, TRP (β=0.231, t=4.717, p=0.000), CRP (β=-0.082, t=-2.015, p=0.044) and RRP (β=-0.177, t=-3.621, p=0.000). No relationship was found between knowledge sharing and OQRP (β=-0.076, t=0.049, p=0.254). Moreover, knowledge sharing was found to have a full mediation effect on people-centred KMSs and process-based SCP while no mediation effect was found with network-based SCP. The study makes substantial contributions to the existing body of knowledge. Theoretically, it provides in-depth insights of people-centred KMSs in SME SCP for developing countries such as Zimbabwe, which is an under researched area, thus expanding extant literature on the subject. From a knowledge management perspective, the study proposes the utilisation of SMEs’ socio-demographic factors to predict SMEs’ continued existence, thereby enabling financial institutions to offer financial assistance to such businesses with confidence. For governments in developing countries, the study suggests that specific attention should be directed to knowledge-based supply chains that adopt people-centred KMSs and process-based SCP to consider them as a possible alternative in addressing performance challenges in SME sectors.

This study concerns the contribution that the church can make to small businesses in Zimbabwe through the development of an appropriate holistic training programme for entrepreneurs. Through a case study on the situation in Masvingo undertaken through participant observation and interviews with various role players, this thesis first identifies the fundamental reasons that lead to the lack of viability of the small businesses in Zimbabwe. To develop a response for the church, this study adopts a three pronged approach. Firstly, the theological basis for freedom is laid through a reading of four biblical stories: the creation story, the Exodus story, the prophets' story and the Messianic story. It is argued that these stories can influence and challenge the church to be meaningfully engaged in a freedom centred development process that can foster the freedoms and values that small businesses need in order to grow and flourish. Secondly, Amartya Sen's theory of freedom as development was engaged in a bid to find an interface between economic and development theory and the theological vision of freedom for socio-economic freedom in Zimbabwe. Thirdly, having established a linkage between a theoretical and a theological essence for freedom the research then examined the role the church can play in enhancing the freedoms for the operators of small businesses in Zimbabwe. The study suggests a freedom-centred entrepreneurial training model that is based on Paulo Freire's dialogical education model. A formal proposal of the key elements of such a training programme is explored. The study recognises that the socio-economic situation in Zimbabwe continues to deteriorate so rapidly that all research seems out of date; but it has proceeded with the hope that when the economic situation improves this study would become an important tool through which the church can begin to contribute to development and the revival of small businesses in Zimbabwe. / Thesis (M.Th.)-University of KwaZulu-Natal, Pietermaritzburg, 2007.

The concept of Corporate Social Responsibility (CSR) in Small to Medium Enterprises (SMEs) has been significantly drawing global attention for the past decade. The solving of social, political and economic problems now fully requires the involvement of both the public and private sectors, particularly in the context of developing countries. In Zimbabwe, CSR has mainly been the responsibility of large firms, NGOs and the government. Little has been done to encourage SMEs to take initiative and responsibility on CSR matters, although these SMEs constitute about ninety percent of all economic activities in Zimbabwe. For CSR to be implemented, there is need for access to information. Public libraries are one of the major focal points in the provision of information. These public libraries have vast potential to support CSR initiatives and are capable of partnering with various organisations from different sectors as well. However, when it comes to visibility on CSR, public libraries in Zimbabwe and in other developing countries are almost non-existent. The aim of this study was to investigate the role that public libraries play in promoting CSR to SMEs in Zimbabwe as a means of contributing in shaping policies which ensure that public libraries are more relevant in society through their support of, as well as their involvement in sustainable developmental issues. In order to attain this, the study adopted the interpretive paradigm and the qualitative approach. In addition, the case study design was used, allowing the researcher to obtain detailed information about the Harare City Library in relation to the promotion of CSR to SMEs. The target population for this study included librarians at public libraries in Zimbabwe and the owners or managers of formally registered SMEs in the country. The study revealed that a great number of SMEs have limited knowledge about CSR and do not engage in it. SMEs consider CSR to be mainly philanthropic in nature, as their knowledge does not extend to include other important aspects of the concept. In addition, public libraries are not the major source of CSR information provision to SMEs, although a fair number of SMEs believe that they should be at the forefront. The study recommends that public libraries should reach out to SMEs to promote CSR to them, in addition to marketing the library’s own information resources and services. Public libraries need also to establish strategic alliances with relevant stakeholders as a means of encouraging SMEs to engage in CSR initiatives. / Information Science / M. Inf. (Information Science)

MA (Youth in Development) / Institute for Gender and Youth Studies / Commercial sex work (CSW) has turned out to be a subject of concern in most societies. CSW occurs in most countries of the world, and has existed since ancient times. Different nations have different viewpoints with regards to prostitution. In some nations it is illegal while in others it is legal. Prostitution is regarded as a social problem that offends culture, societal morals and values and leads to the spread of Sexually Transmitted Infections (STIs). In most studies about sex work, male counterparts receive little attention but they play a role in the industry. In light of the profiled background context of the problem, this study explored the experiences of female sex workers (FSWs) at Ngundu Growth Point in Zimbabwe. This study endeavored to examine the circumstances that drive women into CSW and the impact of prostitution on the wellbeing of FSWs. The study further examined the role played by government, Non-Governmental Organizations (NGOs) and health professionals towards service delivery to CSWs. In order to understand the experiences of sex worker intersectionality and feminist standpoint theories were deployed. A case study approach involving Ngundu growth point in Masvingo was utilized. The choice of Ngundu emanated from the fact that it is located along the highway that connects South Africa with Zimbabwe, Zambia and Democratic Republic of Congo and as a result, it experiences varying prostitution encounters. Methodologically, the study followed a qualitative research path involving the use of open-ended interviews as data collection methods. A total of nine participants were interviewed that includes sex workers as well as the key informants. Data analysis was done using thematic analysis. The overall study finding was that prostitution at Ngundu is proliferating due to economic hardships where most people are unemployed and living in poverty. From the field interviews with those involved in the prostitution business, it emerged that the socioeconomic situation in the country is forcing women to be in the sex industry. The recommendation proffered is that is that the government should create employment opportunities for the people, open vocational training centres and there should be awareness campaigns targeting sex workers. / NRF

The study was conducted in Harare as regards Zimbabwe’s mobile telecommunications sector, examining the influence of a selected factors on consumers’ awareness of corporate social responsibility (CSR) and the effects that CSR awareness has on consumers. The practice of CSR influences a number of business aspects including firm financials, corporate image, corporate reputation and market share. This study has been ignited by the fact that little evidence exist in studies covering the precursors and effects of CSR awareness from the consumers’ perspective. More so, that Zimbabwe’s mobile telecommunications sector is currently the fastest growing sector accompanied with numerous CSR activities. The present study therefore sought to answer the questions which includes; (i) does ethical consumerism, consumer rights awareness, socio-environmental awareness and consumer generosity culture influence consumer awareness of CSR in the mobile telecommunications sector? (ii) what is the effect of age, gender and level of education on consumer awareness of CSR in the mobile telecommunications sector? (iii) what is the influence of consumer awareness of CSR on corporate image, consumer attitude, purchase intention and actual purchase behaviour in the mobile telecommunications sector? (iv) what is the effect of corporate image on consumer attitude in the mobile telecommunications sector? (v) what is the effect of consumer attitude on purchase intention in the mobile telecommunications sector? (vi) what is the effect of purchase intention on actual purchase behaviour in the mobile telecommunications sector? A mixed research study was carried out using a self-administered questionnaire on 1,100 mobile telecommunications sector consumers in Harare, Zimbabwe. Quantitative data was analysed using SPSS with AMOS while qualitative data was analysed using NVIVO. The study results indicate that ethical consumerism, consumer rights awareness, socio-environmental awareness and consumer generosity positively influence consumer CSR awareness while age, gender and level of education do not influence consumer CSR awareness. CSR awareness proves to have a direct influence on corporate image, consumer attitude, purchase intention and not on actual purchase behaviour. The study findings show a direct positive relationship among corporate image, consumer attitude, purchase intention and actual purchase behaviour. The study recognized that respondents are aware of CSR in the form of firm donations, assistance towards social causes, improving the environment, building or renovating facilities, good services, affordable prices and promotional programs. Study results points out that respondents are aware of CSR through platforms such as advertising, sending text messages, firms’ ethical or professional conduct, campaigns and exhibitions. / Business Management / D. B. L.(Business Leadership)

The study investigated the use of mobile phones in disseminating information on agriculture to the farming community of Mashonaland West Province of Zimbabwe, with a view to improving the coverage gap created by the available initiatives. Relevant literature on the available and successful mobile phones agricultural information dissemination platforms were extensively reviewed, taking into consideration the Mashonaland West Province farmers’ information needs. Formats, channels and sources currently being used to transmit agricultural information to farmers were investigated. Barriers to the use of mobile phones in transmitting agricultural information were as well investigated. Data was gathered on the farmers’ access to mobile phones and ownership of mobile phones. The survey research methodology was used for data collection because the research involved a large sample in a widespread geographical area. Quantitative research approach was used and questionnaires were used for data collection. The respondents for the study comprised farmers, network providers and other agricultural stakeholders in the province. A sample of 384 farmers, and 13 network providers and other stakeholders participated in the survey. Quantitative data was analysed using the the SPSS software while the little qualitative data which was available was analysed through content analysis. The findings of the study indicated that farmers in Mashonaland West Province of Zimbabwe were willing to get updates on agricultural information via cell phones. However, majority of the farmers could not afford the high mobile data tariffs being charged by network service providers, and the costs of subscription charged by the available agricultural information dissemination platforms. The study mainly recommended that the government should establish mobile phone agricultural information dissemination platforms that can be accessed by farmers for free or that which will charge affordable rates. The study adds to the existing knowledge on how mobile phones can be used in disseminating agricultural information to farmers. / Information Science / D. Inf. (Information Science)

Questionnaires translated into Shona / Mineral extraction is one of the key drivers of Africa’s economies and is also one of the largest industries in the world. In many African countries, including Zimbabwe, mining contributes to profound parts of the economy and remain the engine for economic growth. In recent years, and following the continual exploitation of minerals, mining companies have been scrutinized as a major cause of social, environmental, and economic problems faced mainly by communities at the margins. In this regard, mining companies are widely perceived to be prospering at the expense of adjacent communities, who are the primary recipients of the externalities, mainly negative, from mining operations. Due to incongruent stakeholder interests conflicts have erupted given the peculiar case of the extractive industries in Zimbabwe. Having realised the differences among stakeholder interests over minerals, in the extractive industry the study sought to answer this question: how is CCE understood by different stakeholders? And how is CCE measured by the same stakeholders?. The focus of the study is to evaluate the meaning of CCE from multiple stakeholders in the extractive industry in Zimbabwe; and to analyse how CCE is measured by identified stakeholders. In order to satisfy the stated objectives, the study employed mixed research method. This study revealed similarity in understanding of CCE and its usefulness amongst the different stakeholder groups. Of cognitive importance is the realisation by stakeholders on the need for proactive communities and corporate investment into community for effective partnerships. Collaboration, empowerment, inclusion, trust and organisation emerged to be the major facilitators for CCE. The study presents operative CCE according to the obligations and expectations of stakeholders. Having realised that mining industries are particularly susceptible to conflict between stakeholders, the study suggests proactive desire to mitigate these conflicts through CCE in the mining industry. In this respect, community development, peace and stability and strong economy are the major outcomes of effective CCE. The study recommends participation of resource owners in planning, implementing, monitoring and evaluation as well as dividends sharing of mining projects as advocated for by the CCE Model. It is also recommended that the adoption of the CCE Model will ensure a sustainable and harmonious coexistence between the predominantly capitalistic mining concerns and the resource owners and solve part of the current impasse to business and community development. / Business Management / D.B.L.

Questionnaires translated into Shona / Mineral extraction is one of the key drivers of Africa’s economies and is also one of the largest industries in the world. In many African countries, including Zimbabwe, mining contributes to profound parts of the economy and remain the engine for economic growth. In recent years, and following the continual exploitation of minerals, mining companies have been scrutinized as a major cause of social, environmental, and economic problems faced mainly by communities at the margins. In this regard, mining companies are widely perceived to be prospering at the expense of adjacent communities, who are the primary recipients of the externalities, mainly negative, from mining operations. Due to incongruent stakeholder interests conflicts have erupted given the peculiar case of the extractive industries in Zimbabwe. Having realised the differences among stakeholder interests over minerals, in the extractive industry the study sought to answer this question: how is CCE understood by different stakeholders? And how is CCE measured by the same stakeholders?. The focus of the study is to evaluate the meaning of CCE from multiple stakeholders in the extractive industry in Zimbabwe; and to analyse how CCE is measured by identified stakeholders. In order to satisfy the stated objectives, the study employed mixed research method. This study revealed similarity in understanding of CCE and its usefulness amongst the different stakeholder groups. Of cognitive importance is the realisation by stakeholders on the need for proactive communities and corporate investment into community for effective partnerships. Collaboration, empowerment, inclusion, trust and organisation emerged to be the major facilitators for CCE. The study presents operative CCE according to the obligations and expectations of stakeholders. Having realised that mining industries are particularly susceptible to conflict between stakeholders, the study suggests proactive desire to mitigate these conflicts through CCE in the mining industry. In this respect, community development, peace and stability and strong economy are the major outcomes of effective CCE. The study recommends participation of resource owners in planning, implementing, monitoring and evaluation as well as dividends sharing of mining projects as advocated for by the CCE Model. It is also recommended that the adoption of the CCE Model will ensure a sustainable and harmonious coexistence between the predominantly capitalistic mining concerns and the resource owners and solve part of the current impasse to business and community development. / Business Management / D.B.L.

Abstracts in English, Zulu and Southern Sotho / The advent of Basel II Capital Accord has revolutionised credit risk measurement (CRM) to the extent that the once “perceived riskier bank assets” are now accommodated for lending. The Small and Medium Enterprise (SME) sector has been traditionally perceived as a riskier and unprofitable asset for lending activity by Commercial Banks, in particular. But empirical studies on the implementation of the Basel II internal-ratings-based (IRB) framework have demonstrated that SME credit risk is measurable. Banks are still finding it difficult to forecast SME loan default and to provide credit to the sector that meet Basel’s capital requirements. The thesis proposes to construct an empirical credit risk measurement (CRM) model, specifically for SMEs, to ameliorate the adverse effects of SME credit inaccessibility due to high information asymmetry between financial institutions (FI) and SMEs in Zimbabwe. A well-performing and accurate CRM helps FIs to control their risk exposure through selective granting of credit based on a thorough statistical analysis of historical customer data. This thesis develops a CRM model, built on a statistically random sample, known-good-bad (KGB) sample, which is a better representation of the through-the-door (TTD) population of SME loan applicants. The KGB sample incorporates both accepted and rejected applications, through reject inference (RI). A model-based bound and collapse (BC) reject inference methodology was empirically used to correct selectivity bias inherent in CRM domain. The results have shown great improvement in the classification power and aggregate supply of credit supply to the SME portfolio of the case-studied bank, as evidenced by substantial decrease of bad rates across models developed; from the preliminary model to final model designed for the case-studied bank. The final model was validated using both bad rate, confusion matrix metrics and Area under Receiver Operating Characteristic (AUROC) curve to assess the classification power of the model within-sample and out-of-sample. The AUROC for the final model (weak model) was found to be 0.9782 whilst bad rate was found to be 14.69%. There was 28.76% improvement in the bad rate in the final model in comparison with the current CRM model being used by the case-studied bank. / Isivumelwano seBasel II Capital Accord sesishintshe indlela yokulinganisa ubungozi bokunikezana ngesikweletu credit risk measurement (CRM) kwaze kwafika ezingeni lapho izimpahla ezazithathwa njengamagugu anobungozi “riskier bank assets” sezimukelwa njengesibambiso sokuboleka imali. Umkhakha wezamaBhizinisi Amancane naSafufusayo, phecelezi, Small and Medium Enterprise (SME) kudala uqondakala njengomkhakha onobungozi obukhulu futhi njengomkhakha ongangenisi inzuzo, ikakhulu njengesibambiso sokubolekwa imali ngamabhange ahwebayo. Kodwa izifundo zocwaningo ezimayelana nokusetshenziswa nokusetshenziswa kwesakhiwo iBasel II internal-ratings-based (IRB) sezikhombisile ukuthi ubungozi bokunikeza isikweletu kumabhizinisi amancane nasafufusayo (SME) sebuyalinganiseka. Yize kunjalo, amabhange asathola ukuthi kusenzima ukubona ngaphambili inkinga yokungabhadeleki kahle kwezikweletu kanye nokunikeza isikweletu imikhakha enemigomo edingekayo yezimali kaBasel. Lolu cwaningo beluphakamisa ukwakha uhlelo imodeli ephathekayo yokulinganisa izinga lobungozi bokubolekisa ngemali (CRM) kwihlelo lokuxhasa ngezimali ama-SME, okuyihlelo elilawulwa yiziko lezimali ezweni laseZimbabwe. Imodeli ye-CRM esebenza kahle futhi eshaya khona inceda amaziko ezimali ukugwema ubungozi bokunikezana ngezikweletu ngokusebenzisa uhlelo lokunikeza isikweletu ababoleki abakhethekile, lokhu kususelwa ohlelweni oluhlaziya amanani edatha engumlando wekhasimende. Imodeli ye-CRM ephakanyisiwe yaqala yakhiwa ngohlelo lwamanani, phecelezi istatistically random sample, okuluphawu olungcono olumele uhlelo lwe through-the-door (TTD) population lokukhetha abafakizicelo zokubolekwa imali bama SME, kanti lokhu kuxuba zona zombili izicelo eziphumelele kanye nezingaphumelelanga. Indlela yokukhetha abafakizicelo, phecelezi model-based bound-and-collapse (BC) reject-inference methodology isetshenzisiwe ukulungisa indlela yokukhetha ngokukhetha ngendlela yokucwasa kwisizinda seCRM. Imiphumela iye yakhombisa intuthuko enkulu mayelana namandla okwehlukanisa kanye nokunikezwa kwezikweletu kuma SME okungamamabhange enziwe ucwaningo lotho., njengoba lokhu kufakazelwa ukuncipha okukhulu kwe-bad rate kuwo wonke amamodeli athuthukisiwe. Imodeli yokuqala kanye neyokugcina zazidizayinelwe ibhange. Imodeli yokugcina yaqinisekiswa ngokusebenzisa zombili indlela isikweletu esingagculisi kanye negrafu ye-Area under Receiver Operating Characteristic (AUROC) ukulinganisa ukwehlukaniswa kwamandla emodeli engaphakathi kwesampuli nangaphandle kwesampuli. Uhlelo lwe-AUROC lwemodeli yokugcina (weak model) lwatholakala ukuthi luyi 0.9782, kanti ibad rate yatholakala ukuthi yenza i-14.69%. Kwaba khona ukuthuthuka nge-28.76% kwi-bad rate kwimodeli yokugcina uma iqhathaniswa nemodeli yamanje iCRM model ukuba isetshenziswe yibhange elithile. / Basel II Capital Accord e fetotse tekanyo ya kotsi ya mokitlane (credit risk measurement (CRM)) hoo “thepa e kotsi ya dibanka” ka moo e neng e bonwa ka teng, e seng e fuwa sebaka dikadimong. Lekala la Dikgwebo tse Nyane le tse Mahareng (SME) le bonwa ka tlwaelo jwalo ka lekala le kotsi e hodimo le senang ditswala bakeng sa ditshebetso tsa dikadimo haholo ke dibanka tsa kgwebo. Empa dipatlisiso tse thehilweng hodima se bonweng kapa se etsahetseng tsa tshebetso ya moralo wa Basel II internal-ratings-based (IRB) di supile hore kotsi ya mokitlane ya SME e kgona ho lekanngwa. Leha ho le jwalo, dibanka di ntse di thatafallwa ke ho bonelapele palo ya ditlholeho tsa ho lefa tsa diSME le ho fana ka mokitla lekaleng leo le kgotsofatsang ditlhoko tsa Basel tsa ditjhelete. Phuputso ena e ne sisinya ho etsa tekanyo ya se bonwang ho mmotlolo wa kotsi ya mokitlane (CRM) tshebetsong ya phano ya tjhelete ya diSME e etswang ke setsi sa ditjhelete (FI) ho la Zimbabwe. Mmotlolo o sebetsang hantle hape o fanang ka dipalo tse nepahetseng o dusa diFI hore di laole pepeso ya tsona ho kotsi ka phano e kgethang ya mokitlane, e thehilweng hodima manollo ya dipalopalo ya dintlha tsa histori ya bareki. Mmotlolo o sisingwang wa CRM o hlahisitswe ho tswa ho sampole e sa hlophiswang, e leng pontsho e betere ya setjhaba se ikenelang le monyako (TTD) ya batho bao e kang bakadimi ba tjhelete ho diSME, hobane e kenyelletsa bakopi ba amohetsweng le ba hannweng. Mokgwatshebetso wa bound-and-collapse (BC) reject-inference o kentswe tshebetsong ho nepahatsa tshekamelo ya kgetho e leng teng ho lekala la CRM. Diphetho tsena di bontshitse ntlafalo e kgolo ho matla a tlhophiso le palohare ya phano ya mokitlane ho diSME tsa banka eo ho ithutilweng ka yona, jwalo ka ha ho pakilwe ke ho phokotseho ya direite tse mpe ho pharalla le dimmotlolo tse hlahisitsweng. Mmotlolo wa ho qala le wa ho qetela e ile ya ralwa bakeng sa banka. Mmotlolo wa ho qetela o ile wa netefatswa ka tshebediso ya bobedi reite e mpe le mothinya wa Area under Receiver Operating Characteristic (AUROC) ho lekanya matla a kenyo mekgahlelong a mmotlolo kahare ho sampole le kantle ho yona. AUROC bakeng sa mmotlo wa ho qetela (mmotlolo o fokotseng) e fumanwe e le 0.9782, ha reite e mpe e fumanwe e le 14.69%. Ho bile le ntlafalo ya 28.76% ho reite e mpe bakeng sa mmotlolo wa ho qetela ha ho bapiswa le mmotlolo wa CRM ha o sebediswa bankeng yona eo. / Graduate School of Business Leadership / D.B.L.