This study examines the banking dynamics in Zimbabwe with a focus on assessing business models, risk management systems, and trends in SME financing. Zimbabwe's banking sector faces unique challenges and opportunities, influenced by economic, political, and regulatory factors. Through empirical analysis and qualitative insights, this research offers a comprehensive evaluation of banking practices and their implications for SME financing. By exploring business models, risk management frameworks, and financing trends, the study aims to provide valuable insights for policymakers, financial institutions, and SMEs navigating Zimbabwe's evolving financial landscape.

banking dynamics, business models, risk management

Abdullah, N. H. N., &Said, J. (2015). Enhancing the Governance of Government Linked Companies via Strategic Management Accounting Practices and Value Creation. Procedia Economics and Finance, 28, 222-­‐‑229.

Abe, M., Troilo, M., & Batsaikhan, O. (2015). Financing small and medium enterprises in Asia and the Pacific.Journal of Entrepreneurship and Public Policy,4(1), 2-­‐‑32.

Acharyulu, G. V. R. K., & Shekbar, B. R. (2012). Role of value chain strategy in healthcare supply chain management: An empirical study in India. International Journal of Management, 29(1), 91.

Agarwal, S., & Hauswald, R. (2010). Distance and private information in lending.The Review of Financial Studies,23(7), 2757-­‐‑2788.

Anderson, N., Potočnik, K., & Zhou, J. (2014). Innovation and creativity in organizations: A state-­‐‑of-­‐‑the-­‐‑science review, prospective commentary, and guiding framework. Journal of Management, 40(5), 1297-­‐‑1333.

Ardic, O. P., Mylenko, N., & Saltane, V. (2012). Access to Finance by Small and Medium Enterprises: A Cross-­‐‑Country Analysis with A New Data Set.Pacific Economic Review,17(4), 491-­‐‑513.

Ashton, J. K., & Keasey, K. (2003). Lending decision making and the Competition Commission report on the provision of banking services to small firms. Journal of Financial Regulation and Compliance, 11(1), 26-­‐‑36.

Ayadi, R., & De Groen, W. P. (2014). Banking Business Models Monitor 2014: Europe.

Ayyagari, M., Demirguc-­‐‑Kunt, A., & Maksimovic, V. (2011). Small vs. young firms across the world: contribution to employment, job creation, and growth.

Baden-­‐‑Fuller, C., & Morgan, M. S. (2010). Business models as models.Long range planning,43(2), 156-­‐‑171.

Barclay, D., Higgins, C., & Thompson, R. (1995). The Partial Least Squares (pls) Approach to Casual Modeling: Personal Computer Adoption Ans Use as an Illustration.

Behr, P., Foos, D., & Norden, L. (2017). Cyclicality of SME lending and government involvement in banks.Journal of Banking & Finance,77, 64-­‐‑77.

Blundell-­‐‑Wignall, A., & Atkinson, P. (2010). Thinking beyond Basel III. OECD Journal: Financial MarketTrends,2010(1), 9-­‐‑33.

Bocken, N. M. P., Short, S. W., Rana, P., & Evans, S. (2014). A literature and practice review to develop sustainable business model archetypes.Journal of cleaner production,65, 42-­‐‑56.

Bollen, K. A. (1989). A new incremental fit index for general structural equation models. Sociological Methods & Research, 17(3), 303-­‐‑316.

Bolton, R., & Hannon, M. (2016). Governing sustainability transitions through business model innovation: Towards a system understanding.Research Policy,45(9), 1731-­‐‑1742.

Bonini, S., Dell'ʹAcqua, A., Fungo, M., & Kysucky, V. (2016). Credit market concentration, relationship lending and the cost of debt. International Review of Financial Analysis, 45, 172-­‐‑179.

Boons, F., & Lüdeke-­‐‑Freund, F. (2013). Business models for sustainable innovation: state-­‐‑of-­‐‑the-­‐‑art and steps towards a research agenda.Journal of Cleaner Production,45, 9-­‐‑19.

Boot, A. W. (2000). Relationship banking: What do we know?. Journal of financial intermediation, 9(1), 7-­‐‑25.