Munich Personal RePEc Archive

Mobile Money access and usage among the rural communities in Zimbabwe

Dube, Thulani and Chummun, Bibi Zaheenah (2019): Mobile Money access and usage among the rural communities in Zimbabwe.


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The study sought to determine the level of mobile money access and usage among the rural households in Zimbabwe. A descriptive research design was employed in a mixed method research approach. The study population comprised of all rural districts in the Midlands Province and the target population was 8258 rural households. A sample size of 367 household heads was determined in the Kwekwe Rural District. A questionnaire was used as a data collecting instrument. The results of the study revealed a moderate use of mobile money by rural households. The widely used service was the funds transfer services (sending and receiving) with a mean score of 1.81. Mobile money was used as a vehicle of remitting funds. More over mobile money had improved access to financial services as indicated by the reduced distances walked to access the nearest mobile money agents. Majority of the users were walking distances of less than 10km to access the service. When assessing the demographic influences on the use of mobile money, an association between education and mobile money use was supported by a Pearson Chi-Square value of 62.803 at p value 0.000.

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