Dissertations (Masters)-A&F.-SOB

Permanent URI for this collectionhttp://192.168.30.20:4000/handle/123456789/263

Welcome to the Department of Accounting and Finance collection, dedicated to archiving and showcasing dissertations authored by esteemed members of our academic community, including both faculty and students in the School of Business (SoB).

Browse

Subject: search.filters.subject.Financial Institutions

Search Results

Now showing 1 - 4 of 4
  • No Thumbnail Available
    Item
    The effectiveness of foreign exchange exposure on improving firms’ financial performance : A case of financial institutions operating in Zanzibar
    (Mzumbe University, 2014) Omar, Abdalla Mtumwa
    Foreign exchange exposure has lately been a hot topic since adoption of floating foreign exchange rate consequential from abolishment of the fixed exchange rate system of Bretton Woods in 1970’s. Companies search for suitable hedging techniques to minimize or eliminate the foreign exchange exposure to the institutions in order to improve the financial performance. Therefore, this study aimed at assessing the effectiveness of foreign exchange exposure on improving firms’ financial performance e to the financial institutions operating in Zanzibar. The research methodology used was survey research approach. A sample size of 50 respondents from 10 financial institutions, the methods of data collection involved both primary and secondary sources. The Statistical Package for Social Sciences (SPSS) software and Microsoft Excel program (spread sheet) were used to analyze the data where simple frequencies and percentages on Tables and figures were created to help the presentation of the findings. The main findings indicate that there is inverse relationship of foreign exchange costs and payable to the net income and direct relationship to the net loss of the financial institutions operating in Zanzibar and then the study found that there is direct relationship to the net income and inverse relationship to the net loss of the financial institutions operating in Zanzibar, therefore the study concludes that the flexible of foreign exchange rate has an effect on foreign exchange costs and payables and foreign exchange revenue and receivable to the net income of the financial institutions operating in Zanzibar. In light of the findings, it was recommended that, financial institutions should review their foreign exchange risk managing policies and employ suitable hedging techniques in order to either minimize or eliminate the effect of the foreign exchange exposure on their financial institutions.
  • No Thumbnail Available
    Item
    The impact of financing small and medium enterprises (SMEs) on improving the living standard: A case study of Chato district
    (Mzumbe University, 2014) Kileka, Mussa M.
    This study explored the impact of financing SMEs clients on improving the standard of living at Chato District in Geita. Since SME is the general term use for micro, small, medium and large enterprises, the study was only concentrated on the micro and small businesses that are mostly being financed by the NMB PLC. This study aimed at investigating the impact of the loan received by SMEs clients on improving the standard of living at Chato and see whether the loan given to these SMEs clients have real contributed in the improving standard of living. The general objective of the study was to find the impact of loans granted to the micro and small business owners on improving standard of living in terms of business expansion, employment and employment expansion, increase assets ownership, income level and acquisition of basic needs. Specifically the study ought to identify loan disbursement trend between 2010 -2012, to identify and characterize the employment trend for the micro and small business at Chato District that benefited from the NMB PLC Chato Branch loans, to identify the impact of loans given the small and micro business owners in improving the standard of living, while the last objective was to examine the challenges faced by the small and medium enterprises when struggling to expand their businesses. The study design was a diagnostic study with the sampling techniques being systematic random sampling. The findings of the study showed that, bank loans help to improve the standard of living because they contribute into business growth and expansion, hence employment, since employment is a source of income. Whoever is employed then he/she earnso income and with that income will increase wealth (wealth in various forms) thus controlling income poverty. The study recommendations are directed to the government insisting on providing a conducive environment for micro and small business people, providing training and entrepreneurial skills to the business owners since most of them are at the primary and ordinary level of education. To the NMB PLC Management and other financial institutions should provide financial assistance to the SMEs with reasonable and affordable interest rate. However, loan bureaucracy should be reduced and if possible, completely eradicated and provide them with loans on time as needed with no reasonable delays.
  • No Thumbnail Available
    Item
    Factors determining the growth of savings and credit co-operative’s in Tanzania: The case study of SACCOS operating in Morogoro urban district, Morogoro region Tanzania
    (Mzumbe University, 2013) Kibasa, Emma M.
    The purpose of the study was to identify factors determining the growth of Savings and Credit Co-operatives (SACCOS) in Tanzania. The main objective of the study was to identify the factors determining the growth of SACCOS in Tanzania. Specific objectives were: to appraise the influence of savings culture commonly used by SACCOS, to map the effects of economic activities to SACCOs members on the growth of their cooperatives, to determine the contribution of management experience on development of SACCOs and asses the role of actual credibility offered by Financial Institutions to members on growth of their co-operatives. The study used purposive sampling techniques in choosing a sample of 60 respondents. Data were analyzed by computer software “SPSS” whereby, quantitative information was obtained by a way of tabulations and rankings polished by the use of frequencies and percentages whereas frequency tables and pie charts used to present qualitative part of the study results. Results show that: Saving culture among SACCOs‟ members prosper growth of their cooperatives – in the sense that many shares are created and hence liquidity. Economic activities also play a great role as it enables members to return both principal and interest of the loaned amount on time. Furthermore, managements experience cited as a vital factor contributing the growth of SACCOs. The findings show most members of the SACCOs are lacking knowledge on co-operatives, thus study recommends that both knowledgeable SACCOSs‟ members and Financial Institutions increase their active participation in providing education to other member of SACCOSs amid credit provision and investment opportunities, to find the way which can motivate members on saving culture, like to increase interest on saving and charge reasonable amount of interest on loans so that in turn, co-operatives flourish and survive for longer than ever.
  • No Thumbnail Available
    Item
    Contribution of corporate social responsibility on financial performance a case of NMB PLC at MorogoroMunicipality
    (Mzumbe University, 2014) Ayo, Happy Kyungai
    Corporate Social Responsibility (CSR) is a rapidly developing, key business issue. It is a concept that has attracted worldwide attention. Due to the demands for enhanced transparency and corporate citizenship, CSR started to embrace social, ethical as well as environmental challenges. Today, companies are aware of the social and environmental impacts of international production. It is accepted that Companies should not be only profitable, but also good corporate citizens. This research work was carried out at NMB PLC with the aim of assessing the impact of corporate social responsibility on organization financial performance a case of NMB PLC at Morogoro Municipality. The methods used in data collection were observation, interview and questionnaire. Collected data were analyzed using Ms Excel and statistical package for social sciences (SPSS).data presentation was based on tables and figures shows frequencies and percentages. From the findings, result of analysis implies that there is no direct relationship between CSR and financial performance, respondents commented that most area which got CSR are contribute nothing to the bank performance but just receive CSR as aid and to make community enjoy. On the side of contribution of CSR on NMB PLC performance the analysis reveal that activities of CSR affect return of the Bank by reducing amount of profit instead of reinvest the profit and increase value of asset, on the challenge facing company on engaging in CSR the result implies that shareholders are not willing to offer CSR as wealth not maximized but minimized. Conclusion of the study shows that respondent comment on agent theory that shareholders are not willing to engage in CSR program as wealth are not maximized but minimized also larger number of respondents comment that CSR improve more reputations and company image and not the financial performance of the company.