Mass marketing also referred to as traditional marketing, has been criticised for trying to appeal to everyone, without necessarily providing for customers’ needs and wants. Therefore, the traditional marketing mix has been deemed ineffectual in a highly competitive and ever-changing business world, especially in the banking sector. Changes in the marketing environment have led to the development of new concepts such as relationship marketing. The fundamental concept of relationship marketing involves maximising the longterm benefits for the bank and the customer, resulting in a series of transactions, which allow a long-term relationship to be established and maintained. In short, it is a marketing concept that revolves around building and maintaining a long-term link or bond with one’s customers. The Zimbabwean banking sector has been affected by the country`s political and economic turmoil over the past decade. The collapse of the economy has affected the banking sector and its relationship with clients. During the economic crisis, Zimbabwean banks were unable to meet the basic international requirements of the Basel Accord, and as such, no profits were made. Borrowers had problems repaying existing loans; and banks also became reluctant to lend more, as a liquidity problem in the financial system was prominent. In 2009, a new government was formed which introduced the multi-currency system and the economy went on a recovery path. Given the nature of the economy of Zimbabwe, relationship marketing becomes an indispensible marketing tool that banks can use. The main purpose of the research was to investigate the relevance of relationship marketing on the sustainability of Zimbabwean banks. Five independent variables (customer relations, product attributes, promotion and service delivery and information technology) were identified and were tested against one dependent variable (sustainability of banks). A positivist research paradigm approach was used to conduct the research. The approach uses the quantitative method of research to establish causal relationships. Null (Ho) and alternative hypotheses (Ha) were formulated in x order to test the relationship between variables. A five point Likert scale questionnaire was developed and administered in five major commercial banks in Harare, Zimbabwe namey; Banc ABC, Barclays bank, Commercial Banks of Zimbabwe, Stanbic Bank and Standard Chartered Bank. The five major banks were selected in terms of market capitalisation as well as total deposit share among other things. The empirical results revealed that five of the independent variables positively correlated with the dependent variable implying that they all have an impact on bank sustainability. However, the current situation (2011) in Zimbabwe shows that only two independent variables (product variables and service delivery) have any impact on bank sustainability. In other words, there was a relationship between product attributes and sustainability of banks. Additionally, there was a relationship between service delivery and sustainability of Zimbabwean banks. Conclusions sited that product attributes and service delivery, as variables of relationship marketing, if implemented desirably could salvage the lost confidence and contribute to bank sustainability in Zimbabwe. Therefore, recommendations given by the researcher extensively focused on the two variables that have a relationship with Zimbabwean banks’ sustainability; briefly on the three variables (customer relations, promotion and information technology) that had no relationship.

This study presents a description of the roles District Education Officers in the implementation of the Guidance and Counselling curriculum in Zimbabwe. The roles of the District Education Officers were researched through the literature study and empirical research. It was found that although their professional contribution is vital in successful implementation, there are other obstacles namely, financial constraints, very high workload, lack of government support and inferior appointment procedures for District Education Officers which tend to hamper them to fulfil their duties.

Up to 2005 early childhood education in Zimbabwe was organised, directed and run by non-governmental organisations, churches and private individuals. Such an arrangement meant that the curriculum, personnel and strategies used to implement the programme were varied. In 2004 the Ministry of Education directed that all primary schools attach two classes of children aged between 3 and 5 years with effect from 2006, thus effectively making early childhood education part of the formal primary school structure. The research presented in this thesis focuses on teachers' perceptions of primary schools' state of readiness for the introduction of early childhood education in Zimbabwe. Located in the interpretive paradigm of qualitative research the study draws on a wide range of research methods. In particular a multiple case study was used to explore teachers' perceptions of primary schools' state of readiness for the introduction of grade zero/early childhood education in a former government group B school, a church run school, a rural school, a former government group A school and, a council run school. Some of the key findings of the study are: • School heads who are the principal gate keepers in primary schools were not provided with any preparation for the introduction of grade zero/early childhood education. • School reliance on fees and levies, without direct Ministry of Education financial assistance, meant that resource conditions - hence state of readiness - greatly differed from one school to another. • No ongoing support was provided to school heads, teachers-in-charge and early childhood education teachers. • The quality of teaching and learning at the early childhood education level, in the multiple case study, depended on the nature of teacher preparation, availability of appropriate resources, adequacy and appropriateness of teacher support, and teacher state of preparedness. The study recommends interventions that curriculum policy planners and implementers can use to create conditions that enable schools to be ready for installing, implementing and institutionalising the early childhood education innovation.

The process of trade liberalisation and market-oriented economic reforms was initiated in many developing countries in early 1980s; and it intensified in 1990s. In 1991, Zimbabwe was assisted by the IMF to implement trade-policy reforms under Economic Structural Adjustment Programme (ESAP). After adopting ESAP, the country witnessed soaring balance-of-payment problems, contraction of output, unemployment and the loss of government revenue. A number of factors, which were at play resulted in dismal economic performance under ESAP. These factors still exist, in addition to inter alia weak economic policies, structural rigidities and weak institutions. However, notwithstanding this controversy, the country continuously opened its economy under Common Market for Eastern and Southern Africa (COMESA), Southern Africa Development Community (SADC), World Trade Organisation (WTO), Economic Partnership Agreements (EPAs) and bilateral agreements. It is against this background that this study is undertaken, in order to evaluate the impact of different trade-policy regimes on trade, welfare and revenue in Zimbabwe. This study used two models: World Integrated Trade Solutions/Software for Market Analysis and Restrictions on Trade (WITS/SMART) and Tariff Reform Impact Simulation Tool (TRIST). The WITS/SMART model was used because of its ability in analysing the tariff effect of a single market on disaggregated product lines. The model also has the capability to analyse the effects of trade-policy reforms in the presence of imperfect substitutes. In order to complement the WITS/SMART model, a TRIST model was also used. The use of the TRIST model enabled the study to evaluate the impact of trade reforms on VAT, excise duties, collected and statutory revenue – which the WITS/SMART model had overlooked. Using the WITS/SMART model, the study considered seven trade-liberalisation frameworks for Zimbabwe: full implementation of the SADC free trade agreement (FTA), SADC common external tariff (CET), COMESA CET, COMESA FTA, EPAs, BFTAs and WTO FTA.

The research which forms the basis of this thesis describes rural women’s perceptions of how Camfed education and skills development programmes have improved their lives in the Chikomba rural district in Chivhu, Zimbabwe. The researcher was motivated to carry out this study mainly due to the fact that in most rural societies in Zimbabwe, women are found suffering from social, cultural and political biases in the traditional male dominated society of Zimbabwe. Compared to their male counterparts, women have limited access to educational and employment opportunities and also have less social and political power than men. Being heads of households, women have to carry out the full traditional roles with the added responsibility of household and production management. The purpose of this study was to inform those investing and interested in women’s education about whether, how and the conditions under which women’s education directly improves women’s own lives and decreases poverty in the family and society. Camfed is an organization that advocates for female education particularly in the marginalized and poor parts of the country where poverty remains a barrier to girl’s education. It provides financial resources and establishes innovative education and training programs in order to break the poverty cycle in rural communities and empower women. A quantitative approach was employed in this study using a descriptive survey design, with the emphasis on collecting primary data from the research participants as well as consulting secondary data sources such as books, academic journals, completed and unpublished post-graduate research dissertations and theses. Findings of this study revealed that financial constraints, early marriage, proximity to school, death of parents as well as domestic chores were factors identified by the women that prevented them from completing school and pursuing further studies. The women also describe their perceptions of how education has led to better opportunities and an improved standard of living as they can now afford the basic goods and services. Moreover the participants mentioned how education has provided them with the basic skills to pursue a livelihood which will enable them to enjoy a decent standard of living. The research also found that education is an important determinant of women’s decision making in terms of finances and thereby improves their sense of empowerment. The women talked extensively about how education has raised their self-esteem and how it has enhanced their economic and social independence. At the end of the study and using the acquired information, several recommendations are made for the expansion and increase of programmes that offer incentives to keep girls in school, especially at secondary level where returns for girls are substantially greater in-terms of reducing poverty and improving the wellbeing of individuals.

Energy poverty is a concept that has gained significance quite recently. Its significance has been prompted by the realization that without sustainable modern energy alternatives for the rural poor, prospects for rural transformation remains low. The recognition of modern energy as one of the missing link in rural transformation comes amid the growing concern about the negative effects of relying on traditional energy services and the increasing forecasts that most developing countries are likely to miss their MDG targets by 2015. Drawing on the Modernization and the Sustainable Development Approach, this study concluded that improving the quantity and quality of energy services consumed by the rural poor can counteract rural underdevelopment and enhance rural social and economic transformation in Dewedzo. The study confirmed that energy poor households are prone to various social, economic and environmental detriments such as poor health, hunger, malnutrition, poor education and missed socio economic opportunities. By addressing rural people‟s energy needs, more nexus can be injected into rural productivity and the economic social outputs of this process can in turn increase the pace at which MDGs can be achieved.

The African continent has been hit the hardest by the HIV/AIDS epidemic which has seen more women becoming infected than men (Hunter, 2003; UNAIDS, 2004). This has been attributed to the permissible nature of the African culture which is lenient on male promiscuity (Foreman, 1999; Colvin 2000; Leclerc-Madlala 2001; Dube 2003). African women are not only vulnerable to infection but are also vulnerable to negative disclosure experiences when they disclose their status to sexual partners. This double impact of culture has not been addressed by past researches (UNAIDS 2004). The present research thus attempts to fill that gap. It explores the interplay between culture and HIV transmission as well as the interplay between culture and disclosure experiences. The study’s setting is Magunje Township, a rural village in Mashonaland Central province in Zimbabwe. Taking into consideration the limitations of the present analysis, data gathered indicates that African women are vulnerable to both HIV infection and negative disclosure experiences. Their vulnerability also hampers prevention and treatment efforts as it makes them decide to keep their status a secret from sexual partners for fear of losing the financial income tied to sexual partners. The present researcher concludes with some suggestions for policy makers and programme implementers, highlighting the importance of focusing on HIV/AIDS status disclosure as a prevention and treatment method in the absence of a cure for HIV.

The study looks at the main features of African indigenous law of succession and inheritance in Zimbabwe. It draws a distinction between the forms of inheritance practised between the two major ethnic groups, the Shona and the Ndebele. Whilst the research was mainly aimed at these two groups an investigation into inheritance practice by the South African Zulu and Xhosa counterparts was also made. An investigation into the impact of western influence on succession and inheritance was made taking a look at colonial legislation and case law, the general deduction being that it was a vehicle for attaching customary law to a western type law. After independence there was the issue of the impact of constitutionalism and international human rights law on succession in post colonial Zimbabwe. These were tools for change by bringing in notions of equality between men and women, issues that were highlighted in the cornerstone case of Magaya v Magaya, which was in turn discussed in the light of the Mthemu v Letsela and Bhe trilogy of cases in South Africa. In the final chapter there is a discussion of possibilities of reform and the future of customary law in Zimbabwe the highlight here being conducting proper legal research to ascertain the true purpose of custom.

The purpose of this study was to evaluate the impact of participatory and conventional approaches to livestock and irrigation project implementation in Zimbabwe’s Beitbridge and Mberengwa districts. The conventional livestock projects performed better than the participatory. Despite the breed for the participatory livestock projects being unsuitable for the environment, the farmers failed to utilize the drugs and surplus funding set aside for replacement of dead cattle. Farmer training was found to be of paramount importance in the establishment of the livestock projects in spite of the participatory approach used for the implementation of the projects. Also the technical backup and support for the livestock project beneficiaries is important to ensure early rectification of problems that may affect the smooth running of the projects as well as an opportunity to introduce new technical advice to boost production. Livestock projects take long period of time to establish, i.e. for the financial turn over to be realized. It takes long time for farmers in these projects to make investments from the proceeds of the livestock projects. For this reason, there is need for the number of beneficiaries for each pass-on livestock project to take into account the number of beasts at project establishment and also the number per each beneficiary group. However, the projects should still be encouraged as they will take full operation at a later stage and be of benefit to the rural disadvantaged who cannot access other means to own cattle, which in turn play a pivotal role in crop production (through draft power, manure provision) and cash earnings that indirectly ensures food security. Regardless of approach used, livestock projects should be strongly supported because the districts under study are prone to poor crop production and hence the cattle can be a source of income and food. Participatory irrigation projects performed better than the conventionally implemented, despite their small hectarages. This proved that farmer participation can greatly improve the efficiency of development work and eliminate many of the problems regarding proprietorship and enhance development activities at community level. Conventional irrigation projects were plagued by problems of mismanagement and theft as was reflected by poor performance and malfunction of the conventional Chingechuru and Chimwe-Chegato irrigation schemes. Fencing theft atChingechuru irrigation scheme had brought it to a stand still. However, the larger incomes associated with the conventionally implemented irrigation projects were the result of the larger areas under cropping for these projects. Production levels in participatory irrigation schemes were good. Adoption of most technical innovations in livestock projects was found to be associated with the conventional approach. Asset procurement was a function of the farmer’s accessibility to non-project income, like formal employment, and procurement of specific assets applied more to project type than the approach to project implementation. This study found that the approach used in implementation had a greater influence on the performance of irrigation projects than livestock projects.

This study investigates the impact of informal cross border trading on poverty reduction in Zimbabwe. In the context of this study, the term Informal Cross Border Trade (ICBT), is used to describe the activities of small entrepreneurs who are involved in buying and selling across national borders. The study focuses on whether the stated activities are lifting those participating out of poverty. The research problem is examined through an assessment of the income levels, assets acquirement, expenditures patterns, food security and family relations. The hypotheses tested in the research are that, “The extent of ICBT is significant in Zimbabwe; ICBT in the Southern Africa region is mainly dominated by women; and that ICBT contributes positively to poverty reduction”. In this context, poverty reduction is said to have occurred when informal cross border trading would have resulted in an improvement in the socio-economic wellbeing of traders‟ households. The Poverty Datum Line (PDL) is used as the measure of households‟ well-being. To assess the impact of ICBT on well-being, a survey was conducted whereby in-depth interviews using the questionnaire method were used to collect primary data. Secondary information was obtained from documentary searches at institutions and also using internet searches. From this study it has been found that ICBT has both positive and negative impacts with regard to social welfare. With regard to economic welfare, based on poverty indicator measures used in the study, ICBT contributes positively to Poverty Reduction. Thus the analysis revealed that informal cross border trade plays an important role in alleviating economic hardships, reducing poverty and enhancing welfare and human development in Zimbabwe.