Credit Information Sharing and Loan Default in Developing Countries: The Moderating Effect of Banking Market Concentration and National Governance Quality

Departing from the existing literature, which associates credit information sharing with improved access to credit in advanced economies, we examine whether credit information sharing can also reduce loan default rate for banks domiciled in developing countries. Using a large dataset covering 879 unique banks from 87 developing countries from every continent, over a nine-year period (i.e., over 6,300 observations), we uncover three new findings. First, we find that credit information sharing reduces loan default rate. Second, we show that the relationship between credit information sharing and loan default rate is conditional on banking market concentration. Third, our findings suggest that governance quality at the country level does not have a strong moderating role on the effect of credit information sharing on loan default rate

Mining sector wages in South Africa

The main objective of this paper is to investigate wage determination in South Africa's mining sector with a view to better understand the current unrests in the sector. This is important given that this wave of strikes is not the first to hit South African mines; in 2007 there was an industry-wide miners' strike during which the miners made it clear they were not happy with their remunerations and working conditions at the country's mines

Effect of Botanical Extracts on Late Blight (Phytopthora infestans) and Productivity of Tomato (Solanum esculentum)

Late blight is caused by Phytopthora infestans (Mont.) de Bary which establishes quickly in Solanum esculentum L. (tomato); as a result, it makes the pathogen one of the most devastating plant diseases across the world. The control of late blight is difficult because P. infestans has advanced and complex enzymes and effecter molecules coded by avirulence genes. As such, a study was carried out at the University of Zimbabwe, Department of Plant Production Sciences and Technologies, between August 2018 and May 2019 to evaluate the efficacy of Moringa oleifera Lour. (moringa), Eucalyptus nigra R.T. Baker (gumtree), and Lantana camara L. (sensu lato) (lantana) extracts as biofungicides on late blight development on S. esculentum. The effect of acetone, ethyl acetate, and water extracts of M. oleifera, E. nigra, and L. camara on percent inhibition and radial growth were evaluated in the laboratory. In addition, the efficacy of different extract concentrations of M. oleifera, E. nigra, and L. camara L. on defence enzymes, disease incidence, disease severity, and yield parameters of S. esculentum were assessed in the in vivo experiment. Increasing concentration of the botanical extracts significantly (p≤0.05) reduced radial growth and increased percent inhibition of P. infestans. In addition, increasing botanical extract concentration significantly (p≤0.05) increased peroxidase (PОD), phenylalanine ammonia lyse (PAL), and polyphenol oxidase (PPO) activity. Disease incidence and severity were significantly (p≤0.05) reduced as the concentration of the botanical extracts increased. Similarly, marketable and total yield significantly (p≤0.05) increased with increase in the botanical extract concentration. Gas chromatography mass spectrometry (GCMS) revealed the presence of furfural, 5-methyl-4- (trifluoromethyl) pyrido, dodecanamide, cyclopentasiloxane, and decamethyl. From the research, it can be concluded that M. oleifera ethyl acetate, E. nigra ethyl acetate, and L. camara water extracts contain antifungal compounds and can be used as biofungicides in late blight management