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Professional photograph of senior lecturer Juliana Siwale

Juliana Siwale

Senior Lecturer

Nottingham Business School

Staff Group(s)
Department of Management


Juliana is a Senior Lecturer in International Business in the Department of Management.  Her role at Nottingham Business School (NBS) involves teaching and research. Juliana teaches on international business modules at both undergraduate and postgraduate levels. She also supervises undergraduate and postgraduate research projects.  Juliana is an established researcher, focusing on microfinance and financial inclusion in developing countries, social enterprises, informal financing, migrant and transnational entrepreneurship among other topics.

She is the co-editor of a book on African Diaspora Direct Investment as well publishing journal articles in high-ranking international journals.

Career overview

Prior to joining Nottingham Trent University, Juliana taught at Lincoln Business School, University of Lincoln, where she was programme leader for the MBA Full time and module leader on International Business modules. She has also worked in Zambia where she taught various business modules at undergraduate and postgraduate levels at Copperbelt University. Juliana also provided consultancy expertise for a USAID sponsored chamber of small-scale businesses in Zambia and started a successful business venture before relocating to the United Kingdom.

Juliana is a Fellow of the Higher Education Academy (FHEA). She has a PhD in Business and Management from Durham University, UK.

Research areas

Juliana's main areas of research are:

  • Microfinance
  • Hybrid Organisations
  • Informal entrepreneurship financing
  • Social Enterprises
  • Transnational entrepreneurship
  • Entrepreneurship education with a focus on Africa

Juliana is keen to work with PhD students and collaborate with researchers interested in addressing the grand challenges of poverty and youth unemployment, microfinance and entrepreneurship in Africa and other emerging markets and foreign direct investment in Africa.

External activity

Member, African Academy of Management

Member, British Academy of Management.

Member, Institute of Small Business Entrepreneurship

Member, Africa Scholar’s Forum

She regularly reviews for journals such as:

  • International Small Business Journal
  • Non-profit and Voluntary Sector Quarterly
  • Oxford Development Studies
  • Annals of Public Economics and Public Cooperatives.

Sponsors and collaborators

Juliana collaborates with academics and industry in international networks dealing with research phenomena in sub-Saharan African countries and the UK.


Non-NTU publications

  • Okoye, N and Siwale, J. (2016) Microfinance Regulation and Effective Corporate Governance in Nigeria and Zambia, International Journal of Law and Management (Forthcoming)
  • Siwale, J (2016) Microfinance and Loan Officers’ Work Experiences: Perspectives from Zambia, Journal of Development Studies
  • Siwale J (2015). Why did I not prepare for this? The politics of negotiating fieldwork access, identity and methodology in researching microfinance institutions, SAGE Open Journal
  • Siwale, J and Ritchie, J (2013) Accounting for Microfinance Failure: Insights from Zambia, International Journal of Critical Accounting 5(6) pp. 47-71
  • Siwale, J.N and Ritchie, J. (2012) Disclosing the Loan Officer Role in Microfinance Development, International Small Business Journal, 30(4)
  • Dixon, R., Ritchie, J and Siwale, J. (2007). “Loan officers and loan ‘delinquency’ in Microfinance: A Zambian case” Accounting Forum Journal, Vol. 31: pp. 47-71.
  • Dixon, R., Ritchie, J and Siwale, J. (2006). “Microfinance: Accountability from the grassroots”, Accounting, Auditing and Accountability Journal, Vol. 19 (3): pp. 405-427.

Book Chapter

  • Siwale, J (2013) Challenging Western Perceptions of Rurality: a case study of rural Zambia. In Bosworth G and Somerville, P. (Eds.), Interpreting rurality: multidisciplinary approaches. Taylor & Francis. ISBN: 9780415696722

Conference proceedings

  • Okoye, N and Siwale, J (2016) Regulation and Effective Corporate Governance in Microfinance Banks: A Comparison of Nigeria and Zambia. Presented at: Socio-Legal Studies Association Annual Conference 2016, Lancaster University, 5-7th April.
  • Siwale, J. (2013) The work experiences of loan officers in Microfinance: Is it different for women loan officers? Evidence from Zambia. In: 2013 British Academy of Management Conference, 10 - 12 September 2013, Liverpool, UK.
  • Siwale, J. A critical evaluation of international development and poverty: the case of microfinance and the Swedish International Development Cooperation Agency in Zambia. In: The 8th International Conference in Critical Management Studies, 10-12 July 2013, Manchester University, UK.
  • Siwale, J. Financial Inclusion and Microfinance: the case of Rural Women in Sub-Saharan Africa.  Gender, Work and Organization, June 2012 at Keele University, UK

Siwale, J and Ritchie, J. Failure by design: the rise and fall of a microfinance institution in Zambia – a case of Pride Zambia. In: 2nd European Research conference on Microfinance, 16 - 18 June 2011, Groningen University, the Netherlands.

See all of Juliana Siwale's publications...

Course(s) I teach on