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Examining factors prompting microfinance clients’ dropout : The case of SEDA and PTF in Morogoro Municipality in Tanzania
(Agder University College Faculty of Economics and Social Sciences in collaboration with United Nations University, 2007) Karama, George Bea
This study examines factors prompting clients’ dropout in two microfinance institutions: SEDA and PTF in Morogoro Municipality in Tanzania. The study used the sample of about 136 respondents, where 68 respondents came from each institution. The sample was composed of various subgroups of clients such as men and women, current clients and dropouts, old and young clients. The sample was selected using the stratified purposeful sampling procedure. Data were collected using one main method (semi-structured interview) which was supplemented by document analysis. The study has grouped dropout factors under six categories: organization, business, personal, family, group and competitive factors. These factors were also grouped into two main categories, which are, adverse push factors and promising pull factors using the ideas from the theoretical framework and the Lee’s push and pull theory adopted in this study. The results of the study shows that major factors which had prompted clients’
dropout at SEDA and PTF are organization factors followed by other lesser factors under business, personal, family, group and competitive factors as presented in descending order in Chapter Four. Some of the major organizational factors which had prompted the dropout of
clients at SEDA and PTF are: delay in loan disbursement, inaccessible savings, high interest rates, lack of clients care, short repayment period, deducting clients loans, dislike of repayment pressures, problems with group loans, savings do not get interest, weekly repayments, wastage of time in repayment meetings, short repayment period, lack of insurance services, factors related to credit officers, small starting loans, lack of
flexibility in loan repayment and lack of training to new replacement clients. The lesser factors under business category which have affected clients’ businesses are: cholera outbreak, rift valley fever, relocation of people from Saba Saba market, seasonality factor, flood, power rationing, fire, theft and selling on credit. Factors under personal category are: multiple loans, misallocation of loan fund, resting, transfer/migration, sickness, pregnancy/giving birth, found job/employment: default, journey/travelling and death. Those under family category are: Sickness: husbands stopped their wives, husbands interdicted, giving money to family members, death and marriage failure. Those under group category are: poor repayment record, unfaith
fullness of group leaders, lack of cooperation and lack of trust. Factors under competitive category are: better terms and services in other MFIs.
Therefore, SEDA and PTF need to address the above major organizational factors which are greatly contributing to clients’ dropout in their organizations. Since these factors originate from within their organizations it would be relatively easy to address them than other factors outside their organizations. Other lesser factors outside their organizations such as, business, personal, family group and competitive factors contribute less to dropout. However, there is a need to assist clients affected by these factors to reduce their dropout which may also affect their organizations. Due to increasing competition from other MFIs which are entering the market, there is a need for SEDA and PTF to take proactive measures aimed at improving their services in order to retain their existing clients who may be dropping out to join other MFI due to better terms and services.
Factors prompting clients’ dropout in microfinance institutions: A case of small enterprise development agency and presidential trust fund in Morogoro Municipality, Tanzania
(Rural Development Planning (IRDP), 2009) Bea George, K.; Mosha Goodluck E; Dimoso, Provident J.
This paper compares factors prompting clients’ dropout from the Small Enterprise Development Agency (SEDA) and Presidential Trust Fund (PTF) using a qualitative approach. Both qualitative and quantitative data were collected using a_ semi-structured interview, supplemented by documentary reviews. A total of 136 respondents were selected using a stratified purposeful sampling procedure. Data were analysed descriptively and were presented in tables and %ages. Lee’s push and pull theory and the five-step analysis procedure developed by Powell and Brenner (2003) guided data analysis in this study. The study found that 35 and 38 factors have prompted clients’ drop out from SEDA located in urban and PTF located in rural areas respectively, with the implication that, there are more factors responsible for clients dropouts in rural areas as compared to town. Thus it is relatively difficult for MFI to facilitate achievement of MDG one in rural areas as compared to urban areas. The paper argues that an appropriate loan package must be developed to suit economic activities in rural areas, as well as systematically follow up with the clients, so as to ensure good performance and hence retain them as Clients.
Teachers' perceptions of public employees' performance management Information system effectiveness in government secondary schools in Mzumbe Ward, Tanzania
(African Quarterly Social Science Review, 2024) Komba, Mercy M.
The Public Employees' Performance Management Information System (PEPMIS) was the focus of this study, which evaluated its effectiveness in government secondary schools in Mzumbe Ward, Tanzania. The expectancy theory guided the study, which provided a framework for understanding employee motivation and behaviour. A qualitative case study design was used, involving qualitative interviews with 13 teachers purposively sampled from Mongola and Mzumbe Secondary Schools. Data saturation determined the sample size. Thematic analysis was used to analyze data. The findings reveal that while PEPMIS enhances administrative efficiency and supports professional development, its effectiveness is hindered by challenges related to fairness, transparency, training, technical functionality, and network reliability, necessitating improvements for greater usability and satisfaction. Addressing these challenges through targeted interventions can enhance the system's effectiveness, user satisfaction, and overall impact on organizational performance. The study recommends training programs for teachers and school administrators, addressing technical infrastructure issues, and incorporating feedback mechanisms into PEPMIS to make it more responsive to teachers' needs and expectations. This paper contributes to the understanding of PEPMIS from teachers' perspectives. It highlights important insights for policymakers and educators in improving PEPMIS implementation and its impact on the country's education sector.
Service quality delivery and its impact on customer satisfaction in the bank services in Tanzania: The case of Moshi Uchumi Commercial Bank
(Mzumbe University, 2015) Shanghali, John Wifred
Service quality and customer satisfaction are very important concepts that companies must understand in order to remain competitive in business and hence grow. It is very important for companies to know how to measure these constructs from the consumers’ perspective in order to better understand their needs and hence satisfy them. Service quality is considered very important because it leads to higher customer satisfaction, profitability, reduced cost, customer loyalty and retention. Purpose – The main purpose of this study theoretically is finding the interrelationships between service quality delivery its impact on customer satisfaction and to I identify the usefulness of approved service quality models, when applied to banking sector in Tanzania and empirically, describe how consumers perceive service quality and whether they are satisfied with services offered by these Uchumi Commercial Bank. Design/methodology/approach – A self-completion questionnaire was developed from the SERVQUAL instrument and distributed using a Simple random sampling technique to customer of Uchumi Commercial Bank to determine their perceptions of service quality in Commercial Bank. Findings – From the analysis carried out, it was found out that, the SERVQUAL model was a good instrument to measure Bank service quality delivery in Tanzania context. Therefore, Bank Managers can use this instrument to assess the bank service quality in Tanzania. Research implications–Theoretically, from the findings; it implies that the SERVQUAL model is the best tool to use measure service quality in Commercial Bank. The findings suggest that Commercial Bank need to improve all the dimensions of service quality from the gap analysis carried out. Moreover because all the dimension of service quality are attributes are positively correlated with customer satisfaction, Tanzania bank managers should emphasize all the service quality dimension in maintain and improving the service quality that they provide. This study contributes to the already existing studies examining service quality in Commercial Bank using the SERVQUAL model and also provides empirical results that could guide management dealing with bank activities to take corrective actions that lead to growth in the company.
SMES growth challenges in Mwanza city: Evidence from food industry
(Mzumbe University, 2015) Renatus, Deogratias
Small and Medium-sized Enterprises (SMEs) in Mwanza are very important to economic growth. They have a significant effect on employment and economy of the country. The enterprise structure is mainly dominated by micro enterprises and the growth intensity is steady but still at a low level. Since SMEs are important contributors to economic development, it is therefore relevant to study challenges hindering their potential growth. These challenges are looked from two different perspectives; external and internal challenges which have an impact on the growth of SMEs. This research is an evidence of four SMEs (FURAHA, NDIYO, KUKU POA and SIMBA) in food industry at Mwanza city, and together with previous literature a conclusion of internal and external challenges influencing their growth can be reached. The primary data was collected through both qualitative (interviews) and quantitative (questionnaire) approaches with operators of the selected SMEs. The data was analyzed by using a Statistical Package for Social Sciences (SPSS). Specifically, descriptive statistics were taken from this tool. Descriptive analysis was used to reduce the data into a summary format by tabulation and measure of central tendency. The findings of the research reveal that there are a number of significant factors affecting SMEs growth. The major factors being financial and politico-legal factors followed by working premises, entrepreneurial factors, management, technological, marketing and infrastructural factors. They also speculate the reasons to why some of the SMEs in food industry grow while others do not. The study suggests that, The Bank of Tanzania should review the interest rates on loan because it seems to be very high; otherwise the government should find amicable solutions either to subsidize the SMEs with some sort of incentives. To make the selected SMEs competitive and profitable, increasing the capacity and skill of the operators through continuous trainings, experience sharing from successful enterprises, and provision of advice and consultancy are crucial. Moreover, improved provision of necessary infrastructure and enabling the environment for business operations is generally an imperative.