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Periodical article Periodical article Leiden University catalogue Leiden University catalogue WorldCat catalogue WorldCat
Title:The impact of regulation on risk perception: evidence from the Zimbabwean banking industry
Editor:Ojiako, Udechukwu
Year:2013
Periodical:African Development Review (ISSN 1467-8268)
Volume:25
Issue:3
Pages:276-288
Language:English
Geographic term:Zimbabwe
Subjects:banking
central banks
risk
External link:https://onlinelibrary.wiley.com/doi/10.1111/j.1467-8268.2013.12029.x/pdf
Abstract:This paper explores the impact of regulations on the perceptions and management of risk. The study focuses on Zimbabwean banks. The authors evaluated the influence of banking regulatory policy using data gathered from a Regulatory Impact Assessment (RIA) questionnaire and data measuring annual overall output from Zimbabwean banks. They employed a number of statistical models (Binomial, HLogLinear models and time series forecasting) to test various hypotheses concerning the perception of bank employees of the impact of regulation on the management of risk in Zimbabwean banks. The authors found that: (1) respondents' perceptions of the impact of regulation on risk management correlated among different risk types in Zimbabwean banks; (2) respondents generally appeared to perceive dollarization and Basel II positively; and (3) respondents were not optimistic about the impact of Reserve Bank of Zimbabwe (RBZ) policy on overall banking efficiency. Overall, the authors found that due to its near chaotic nature, RBZ regulation policy initiatives had no impact on the performance of banks in Zimbabwe. Bibliogr., notes, ref., sum. [Journal abstract]
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