Purpose: The aim of this study was to investigate the impact of monetary policy on the real sector and to assess the effectiveness of various monetary policy transmission channels in Zambia Methodology: The Johansen cointegration approach, Error Correction Model (ECM), and Granger causality test were undertaken to achieve the study objectives Findings: The study results reveal that economic growth proxied by Gross Domestic Product (GDP) in Zambia is negatively affected by lending rates, inflation, and an increase in private sector credit, while exchange rate and deposit rates were found to have a positive impact on the other hand. These results confirm the presence of exchange rate and credit channels of monetary policy transmission in Zambia. Originality/Value: The study contributes to the theoretical and empirical literature on the impact of monetary policy on the real sector. Further, the study provides, through the results of the study, the effectiveness of various monetary policy transmission channels in Zambia. Therefore, the study is part of the studies the Central Bank and academic institutions and research think tanks can make reference to during further research and practice.

This is article is a critical examination of the antecedents of entrepreneurship intentions. A critical analysis of research on entrepreneurship has reveals that for one to be an entrepreneur or not, there are a variety of a n t e c e d e n t s and the following as predominant factors; economic, demographic, environmental, psychological and social cultural factors, perception of opportunities, social cultural environment, self-efficacy, lack of competency barrier, fear of failure, perceived support, gender, family factors, perceived barriers and personality factors among others. It is these antecedents that this article examines critically.

This paper explored the levels of knowledge of financial literacy among University of Zambia final year students. Aquestionnaire was administered to 172 pre-final graduates who were sampled systematically. SPSS version 22 was usedto analyse the data. Theresults generally indicate that the level of financial literacy among University of Zambia finalyear students shows that they were well versed with the benefits of financial literacy. There levels Zambia is above averageand gender is not a factor regarding personal financial management practices in terms of holding an account across alltypes of accounts except for the student account, which was significant p < 0.05. The results are not generalizable to thewider population of University students and inorder to allow such generalization, a study should be conducted using alarger sample and embracing all university students in the country. This paper describes a pioneer study on levels offinancial literacy. This topic can be improved as the need for rigorous evaluation of financial literacy grows at the samespeed as the creation of more complex financial products.