Dr Shame Mugova is a financial analyst, a Lecturer in Finance at Birmingham City University, England. He holds a PhD in financial Management from Durban University of Technology He received a Master’s Degree (MBA) from Solusi University (Zimbabwe) and a Bachelor of Commerce Honours Degree in Finance from National University of Science and Technology (Zimbabwe) in 2012 and 2007, respectively. He has 8 years of work experience in Zimbabwe’s tax, medical, private voluntary organisation, engineering, clothing and textile industry sectors. His work experience is in the field of finance and accounting and has worked for 3 years as an independent business consultant for Small-to-Medium Enterprises. His research interests are corporate finance, financial development, corporate social responsibility, corporate governance and trade credit.