Economics (FSS)

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Rural-out migration as a livelihood diversification strategy to rural households: A study of Makete and Iringa Rural districts, Tanzania
(Mzumbe University, 0201) Rwechungura, Fred Alfred
This study assessed whether rural-out migration as a livelihood strategy enhanced livelihoods of rural households in Iringa region. The objectives were, to establish how dependent households were on diversified livelihood portfolios, what the determinants for rural-out migration were, and outcomes of rural-out migration and remittances from it to household assets. The study used cross-sectional data involving 272 migrant and non-migrant households. Findings revealed that out of 272 households, 93(34%) had out-migrants. Additionally, all 272 households were dependent on diversified livelihood portfolios, with agriculture dominating, followed by non-farm activities. However, in ranking these portfolios, migration came eighth out of nine listed activities, suggesting it was not a valued source of livelihood. At household level, the following variables were significant and positively associated with rural-out migration: household size, age of household head, and the marital status of head of household. At societal level, lack of job opportunities such as non-farm self-employment, casual labour, and working in enterprises; and poor or lack of infrastructures and /or utilities such as water dams, irrigation schemes, electricity, and markets/market places accounted for rural-out migration. On the outcomes of migration to the households’ assets, migration did not have any significance to the households; instead it had more detrimental outcomes, including withdrawal of productive human resource from community; family abandonment; erosion of morals; spread of HIV/AIDS; increasing number of vulnerable children; and school drop-out. The main conclusion from these findings is that unlike what many studies had found (in other countries), out-migration did not have better outcomes to the livelihoods of rural households in the studied districts. The policy implication of these findings is that unless rural livelihood is improved, rural-out migration will continue, as rural dwellers continue searching for ‘greener pastures.’ As this continues, poverty is perpetuated. Consequently, not only will this affect urban and other economically vibrant areas where migrants continue flocking to by saturating these destinations’ capacity to handle the migrants, but it will also affect poor rural areas negatively by draining their energetic and productive human resource. On this basis, the need to promote rural livelihood diversification by breaking the cycle of poverty through development of correct policies on human capital, infrastructure and utilities, credit provision, and enabling environments for grassroots initiatives is imperative. Likewise, adopting social protection approach, market-based approach, labour union approach, and rehabilitation approach could be steps in the right direction towards addressing problems associated with rural-out migration.
Rural-out migration as a livelihood diversification strategy to rural households: A study of Makete and Iringa rural districts, Tanzania
(Mzumbe University, 2011) Rwechungura, Fred Alfred
This study assessed whether rural-out migration as a livelihood strategy enhanced livelihoods of rural households in Iringa region. The objectives were, to establish how dependent households were on diversified livelihood portfolios, what the determinants for rural-out migration were, and outcomes of rural-out migration and remittances from it to household assets. The study used cross-sectional data involving 272 migrant and non-migrant households. Findings revealed that out of 272 households, 93(34%) had out-migrants. Additionally, all 272 households were dependent on diversified livelihood portfolios, with agriculture dominating, followed by non-farm activities. However, in ranking these portfolios, migration came eighth out of nine listed activities, suggesting it was not a valued source of livelihood. At household level, the following variables were significant and positively associated with rural-out migration: household size, age of household head, and the marital status of head of household. At societal level, lack of job opportunities such as non-farm self-employment, casual labour, and working in enterprises; and poor or lack of infrastructures and /or utilities such as water dams, irrigation schemes, electricity, and markets/market places accounted for rural-out migration. On the outcomes of migration to the households’ assets, migration did not have any significance to the households; instead it had more detrimental outcomes, including withdrawal of productive human resource from community; family abandonment; erosion of morals; spread of HIV/AIDS; increasing number of vulnerable children; and school drop-out. The main conclusion from these findings is that unlike what many studies had found (in other countries), out-migration did not have better outcomes to the livelihoods of rural households in the studied districts. The policy implication of these findings is that unless rural livelihood is improved, rural-out migration will continue, as rural dwellers continue searching for ‘greener pastures.’ As this continues, poverty is perpetuated. Consequently, not only will this affect urban and other economically vibrant areas where migrants continue flocking to by saturating these destinations’ capacity to handle the migrants, but it will also affect poor rural areas negatively by draining their energetic and productive human resource. On this basis, the need to promote rural livelihood diversification by breaking the cycle of poverty through development of correct policies on human capital, infrastructure and utilities, credit provision, and enabling environments for grassroots initiatives is imperative. Likewise, adopting social protection approach, market-based approach, labour union approach, and rehabilitation approach could be steps in the right direction towards addressing problems associated with rural-out migration.
Participation of private sector companies in emerging capital markets: A study of capital markets in Tanzania
(Mzumbe University, 2011) Nangawe, Abbi G
This study aimed at determining factors influencing participation of private sector companies in Tanzanian emerging capital market. The study answered the question on the relationship between a company‟s going public decisions on the one hand and going public rules and regulations (which include ordinance compliance requirements, prospectus information disclosure and external monitoring and corporate governance), going public costs, company‟s confidentiality, company‟s reputation and credibility, and company‟s portfolio diversification to allow risk sharing on the other hand. The testable hypotheses were formulated as follows: (i) Going public rules and regulations are negatively associated with company‟s decision to go public; (ii) Going public costs are negatively associated with company‟s decision to go public; (iii) Company‟s confidentiality syndrome is negatively associated with companys’ decision to go public; (iv) Company‟s reputation and credibility is positively associated with companys’ decision to go public; and, (v) Company‟s portfolio diversification to allow risk sharing is positively associated with companys’ decision to go public. The study adopted a survey design using a cross-sectional approach. The sample size comprised of 168 private profit making companies from three regions of Tanzania mainland, namely Arusha, Dar es Salaam, and Kilimanjaro. The three regions were selected because they account for over 61% of all private profit making and non-profit making companies in Tanzania mainland (CRE, 2007). Data analysis used the Statistical Package for Social Sciences (SPSS) software and applied a multiple linear regression analysis (MLRA) model, using the ordinary least square (OLS) estimation technique. Findings of the study had mixed support for the hypotheses. Four predictor variables which slightly supported the hypotheses are: portfolio diversification to allow risk sharing; external monitoring and corporate governance; company‟s confidentiality and prospectus information disclosure requirements. Surprisingly enough, company‟s control variables did not support our hypotheses. The actual results of the study revealed that, empirical support came from company portfolio diversification to allow risk sharing, prospectus information disclosure requirements, company reputation and credibility and company confidentiality. On the other hand, results revealed there was no empirical support for going public costs, while going public ordinance compliance requirements was only slightly supported. The study recommends measures which will enhance capital markets policy interventions. First, are measures to be instituted by policy makers to increase supply of and demand for security instruments and to strengthen the regulatory operating capacity. Second, are training and research measures which will enable Capital Markets and Securities Authority (CMSA), in collaboration with Dar es Salaam Stock Exchange (DSE), training and research institutions, to develop and promote new market strategies, such as curricular programmes to enhance the public's awareness of capital markets. Last, but not least, the study recommends strategic measures to private sector companies which will enhance their incentives to save, and mechanisms to channel those savings into further investments. Finally, the study suggests directions for future research on capital markets participation in emerging markets and Tanzania in particular.
E-Government in marketing a country: A strategy for reducing transaction cost of doing business in Tanzania
(International Journal of Marketing Studies, 2011) Kachwamba, Muhajir; Sæbø, Øystein
There are limited studies examining the role of Investment Promotion Agencies (IPA’s) and their respective marketing techniques used in attracting Foreign Direct Investment (FDI). Using an exploratory case study approach, this article addresses this research gap by exploring the role of e-government as a promotion technique in eliminating barriers to FDI inflows in Tanzania; particularly barriers related to information accessibility and bureaucratic procedures facing foreign investors in acquiring relevant licenses and business permits. The findings indicate that foreign investors utilize information to create knowledge of business environment in the host country, though some additional information may not be found due to informational specificity of a particular investment project. In addition, the findings indicate that implementation of e-government has reduced some monetary and non-monetary transaction costs of complying with government authorities. The article contributes to the existing body of knowledge in the field of marketing by examining the role of e-government services in the public sector marketing within a macro-marketing domain.
Internet-based information and foreign direct investment (FDI) location decision making: An information cost perspective
(Acadenic journals, 2012) Kachwamba, Muhajir; Sæbø, Øystein
Information and communication technology (ICT) is considered to play an important role to reduce information cost for potential foreign investors. While a growing body of literature has suggested such connections, conceptual clarity is yet to be achieved. This study introduces a conceptual framework based on the Information-theoretic approach and transaction cost perspective to explore how ICT may reduce information cost. To illustrate our proposed framework, we apply it to examine the role of Internet-based information, published by the Investment Promotion Agencies (IPAs) on the information needs for foreign investors intending to invest in Tanzania. The findings indicated that general information on investment opportunities and regulatory entry procedures is mainly accessible through IPA´s web pages. Nevertheless, the findings revealed that more specific information on industry competitiveness is not found, although it is important for strategic investment location choice. Public information is combined with alternative sources of information to meet the information requirement for potential investors. Our findings indicate that Internet-based sources of information can reduce part of the information cost facing foreign investors, if properly organized. Our proposed framework extends the discourse on how ICT may influence information cost for foreign investors and contributes to our knowledge on the impact of ICT in the business sector focusing on the Government to business domain. Based on our findings we propose insights into studying and developing ICT-based services for IPAs in their efforts to attract Foreign Direct Investment.
Determinants of interest rate spread in commercial banks: A case study of selected local and foreign banks in Tanzania
(Mzumbe University, 2013) Aikoh, Kenedy J.
The behaviour of interest rate spread in Tanzania for a very long period of time has been strong, high and persistently showing little signs of narrowing. When compared with other East African countries, the interest rate spread in Tanzania seems to be the highest. It is this persistent and low narrowing trend of the interest rate spread which gave rise to the need of studying the factors which cause high interest rate spread in commercial banks in Tanzania. The overall objective of this study was to identify the Determinant of interest rate spread in commercial banks in Tanzania and compare the interest rate spread between the selected banks. The determinants were ascertained from a review of previous literatures. Related parameters from the selected determinants were studied for the chosen banks for the period between 2006 and 2012, a period after adoption of market determined interest rate regime. The study based on the secondary data from 28 quarters of published quarterly reports of the selected commercial banks and Bank of Tanzania quarterly economic bulletin publications. Multiple regressions were applied to establish relationship between the dependent variable, interest rate spread and the chosen independent variables which were non-interest income, provision for loan losses, non-performing loans, non-interest expenses, gross domestic product rate, treasury bills rate and inflation. The results from the study indicate that the key determinants of interest rate spread for the selected commercial banks are the treasury bills rate, TBillrate; Real GDP rate, Non-interest income, NII; Provision for loan losses, PLL and Non-performing loans, NPL. The results also show that the interest rate spread for the selected local commercial bank is higher than that of the selected foreign commercial bank. The policy implication from the study is that the high responsiveness of commercial banks spread to the treasury bills and real GDP rate needs to be regulated. This study can be extended by exploring the impact of financial sector development on interest rate spreads in commercial banking system.
Contribution of own sources revenue collections to implementation of development projects in Dar es salaam Municipal councils
(Mzumbe University, 2013) Masogo, Masore Mwerya
This study was based on the contibution of ownsources revenue collection to the implementation of development projects in Dar es salaam Municipal Councils (Ilala, Temeke and Kinondoni). Councils revenue collection and expenditure time series secondary data from 2003 to 2012 collected quarterly were used, whereby Ordinary Least square method was used to estimate the model. Overall results by using F-test shows p(0.0000) and it is statistically significant by 1%, this implies ownsources revenue collections have an impact on implementation of development projects in Dar es salaam municipal councils. Despite of that significancy, still there was some variable which did not satisfy all conditions of significance. Variable like funds collected from sales of municipal properties did not show linear relationship to implementation of development projects, but all the remaining variables were statistically significant and linearly related to implementation of development projects in Dar es salaam municipal councils. These result will help decision makers to make appropriate policies and decision on how to emphasize and concentrate more on ownsources revenue collection. This also will help many Local Government Authorities to identify more sources of income which can rise their revenue and set a clear demarcation of some amount of funds to be spent for implementation of development projects, rather than spent on everyday expenses (Recurrent expenditures).
Determinants of export performance in Tanzania.
(Mzumbe University, 2013) Rwenyagila, Geofrey A.
Tanzanian economy is characterized by a large traditional rural sector and a small modern urban sector. Agriculture, accounts for about half of GDP, it contributes about 85% of exports, and employs 80% of the work force. However in the recent years tourism and mining have become the largest foreign exchange earners. Statistics show that the value of traditional exports remained minimal compared to nontraditional exports, whereby the value of non-traditional exports were US$ 2,270.6 million and US$ 1,704.5 million in 2008 and 2007 respectively, representing to an increase of 28.8 percent (Economic Survey, 2008). On the other hand the value of traditional exports were USD 319.7 million and USD 418.4 million in 2008 and 2007 respectively (URT, 2008). This study examined factors affecting export performance in Tanzania using a time series data for the period between 1990 and 2009. Specifically, the study analyzed the influence of macroeconomic factors such as Foreign Direct Investment, Gross Domestic Product, inflation rate, real exchange rate and terms of trade. The main proposition of the study was that macroeconomic factors significantly influence export performance. In testing this proposition, three regression models were estimated for total export, traditional exports and non-traditional exports. Empirical results and analysis indicated that real exchange rate and foreign direct investment were significant to export performance in all sectors that is total export, traditional and nontraditional exports. Gross Domestic Product was also found significant in all sectors except traditional sector. However, Inflation Rate and Terms of Trade were found significant determinants to total export and traditional exports. The same variables were found insignificant to nontraditional exports. The study concludes with a recommendation to improve export performances for both traditional and nontraditional exports, as well as to diversify export base of the country by formulating good trade policy, attract more Foreign Direct Investment, improve infrastructure and create good business environment.
Relationship between foreign direct investment, exports and economic growth in Tanzania: A time series analysis
(Mzumbe University, 2013) Bomani, Bertha Alfred
Foreign Direct Investment (FDI) and exports play a significant role in promoting economic growth in many countries. However, empirical studies have not found consistent results, with some literature indicating that FDI and export have adverse impacts to the economy. This study examined long run and causality relationships between FDI, exports and economic growth for Tanzania. The study used time series data for 30 years (1980- 2010) which were obtained from TIC and UNCTAD. By using Johansen test of cointegration, Vector Autoregression model and Granger causality test the study found that there was a single cointegrating vector. The equation was relating FDI and exports (as independent variables) to Economic growth, the dependent variable. Furthermore, there was unidirectional causality relationship with the direction from FDI and exports to GDP growth rate (economic growth). There was also a unidirectional causality with the direction from FDI to exports. Therefore, FDI Granger caused GDP growth rate and exports, while exports Granger caused GDP growth rate only. This further implied that, FDI have a direct and indirect causality to GDP growth rate. This observation necessitated the special consideration for making FDI working for growth. Likewise for total exports which had positive and significant relationship to economic growth. The findings in this study support the export-led growth hypothesis and FDI as the engine for economic growth. For export and FDI to effectively promote growth, the study recommends that policy frameworks and incentive packages should be competitive and vigorous enough.
Determinants of export performance in Tanzania
(Mzumbe University, 2013) Rwenyagila, Geofrey A.
Tanzanian economy is characterized by a large traditional rural sector and a small modern urban sector. Agriculture, accounts for about half of GDP, it contributes about 85% of exports, and employs 80% of the work force. However in the recent years tourism and mining have become the largest foreign exchange earners. Statistics show that the value of traditional exports remained minimal compared to nontraditional exports, whereby the value of non-traditional exports were US$ 2,270.6 million and US$ 1,704.5 million in 2008 and 2007 respectively, representing to an increase of 28.8 percent (Economic Survey, 2008). On the other hand the value of traditional exports were USD 319.7 million and USD 418.4 million in 2008 and 2007 respectively (URT, 2008). This study examined factors affecting export performance in Tanzania using a time series data for the period between 1990 and 2009. Specifically, the study analyzed the influence of macroeconomic factors such as Foreign Direct Investment, Gross Domestic Product, inflation rate, real exchange rate and terms of trade. The main proposition of the study was that macroeconomic factors significantly influence export performance. In testing this proposition, three regression models were estimated for total export, traditional exports and non-traditional exports. Empirical results and analysis indicated that real exchange rate and foreign direct investment were significant to export performance in all sectors that is total export, traditional and nontraditional exports. Gross Domestic Product was also found significant in all sectors except traditional sector. However, Inflation Rate and Terms of Trade were found significant determinants to total export and traditional exports. The same variables were found insignificant to nontraditional exports. The study concludes with a recommendation to improve export performances for both traditional and nontraditional exports, as well as to diversify export base of the country by formulating good trade policy, attract more Foreign Direct Investment, improve infrastructure and create good business environment.
Socio-economic factors affecting smallholder sunflower production in Mvomero District, Morogoro Region
(Mzumbe University, 2013) Godfrey, Tuntufye
Sunflower is one of the new crops in Tanzania that has high contribution to farmers to food and income of farmers. It is one of the biggest sources of fats, protein, carbohydrates and vitamins for human consumption. The crop is also the source of human nutritious minerals,as well as other manufactured animal feeds. Despite the cited overall importance of the crop amongst smallholder farmers in the country, the factors determining its yield are less understood. The aim of this study was to investigate socio-economic factors affecting smallholder sunflower production. The study was conducted in Mlali ward in Mvomero District in Morogoro region. A total of 50 smallholder sunflower growers was surveyed using questionnaire. A multiple regression analysis was used to estimate and test the relationship between socio-economic factors and sunflower production. The results revealed that the sex of the farmer, size of the farm cultivated by the farmer and use of quality seeds were statistically significant factors affecting the production of the crop in the study area. It is concluded that smallholder sunflower farming sector has high contribution to meet the demand of edible oil, contribute to income of households and used as source of animal feed in the study area. In order to achieve all these, government initiative to provide farmers with adequate subsidies on agricultural inputs and increasing provision of extension officers to assist farmers on proper agronomic practices must be adhered to so as to address the declining farm production being experienced by smallholder farmers in Mlali ward.
Contribution of advertising on sales improvement: The case of Zanzibar bottlers limited
(Mzumbe University, 2013) Suleiman, Yahaya S.
This study assessed the contribution of advertising on sales improvement with case study of Zanzibar Bottlers Limited. By using descriptive case study a representative sample of 70 respondents was obtained from the population of 435. The methods of data collection involved both primary and secondary sources. Primary data were collected by using questionnaire, interview guide, documentary sources, and observation. Whereas documentary review was used in secondary method. The Statistical Package for Social Sciences (SPSS) software, MS excel and simple calculations by calculator were used to analyze the data where simple frequencies and percentages were created. The findings revealed that advertising contribute much on sales improvement where by 88 percent of the respondents said informative advertising affect sales of ZBL, 80 percent said remaindering advertising affect sales improvement and 64 percent have replied that persuasive advertising affect sales improvement. The researcher therefore calls for the administration of ZBL to pay attention on advertising strategies for the sake of embracing market share, goodwill, profitability as well as sales of the company
Assessment of village savings and loans associations on household income at Southern Unguja
(Mzumbe University, 2013) Shauri, Khamis A.
This study was interested on income poverty analysis to the community of southern Unguja in which majority of the household members were engaged on Village Savings and Credits Associations groups (VSLA). The primary objective of the study was an assessment of Village Savings and Loans Associations on Household Income at Southern Unguja. Total sample of 217 head of household who are joined with VSLA were selected. The study has provided two conceptual frame, namely total household income and determinants of VSLA’ income. All technical techniques of sample size and determination were carried out. Two hypotheses were formulated; the result of the first hypothesis shown that income from VSLA, livestock, business and casual labour was economically significance at 1 and 5 per cent level. The result of the second hypothesis was very interesting in which the demographic variables had no impact to the VSLA income, the variable size of member who joined with the group and amount of household saving had shown to have impact at 1 per cent significance level. The Gini index shown the society of southern unguja has relative equality.
The contribution of tourism on poverty reduction at Northern Region in Unguja: A case of pro poor tourism at Kiwengwa- Pongwe Village
(Mzumbe University, 2013) Abdalla, Said Faraji
This study assessed the Contribution of Tourism on Poverty Reduction at Northern region in Unguja; A case of pro poor tourism at Kiwengwa- Pongwe village. The study used the cross sectional data of 91 samples population of households from all Shehias of Kiwengwa-Pongwe. The data analyzed by using SPSS and STATA softwares. The results showed that the most economic activities, by which the local community had been engaged for employments, were employments from the tourism related activities which were about 46.2 percent equivalent to 86.8 percent of total income accrued by the households from that sector. The market chain for the development of livehood of local community in that area the results have shown that about 73.6 percent were access the market for their sea products, the market for local spices to tourists were about 17.6, the market for selling handcrafts were 5.5 percent and only remaining 3.3 per cent were the market for their agriculture products. In other hand the impact of the tourism sector on the growth of other services about the 73.6 per cent of respondents have denoted that the massive flow of the tourism investors in that area have influenced the economic and social transformation in that areas. It was found that about 57.1 percent of the local entrepreneurs got their initial capital from the support of pro poor projects in that areas and only 42.9 percent of local entrepreneurs got their initial capital from their own means of business formulation. It was found that 47.3 percent reported that tourism have more significance on employment opportunities, about 36.3 percent said tourism have significance on development of infrastructure, 12.1 percent said tourism have significance on improvement of the social services and only 4.4 percent said tourism have significance on growth of other sectors. In conclusion there is a need for the government of Zanzibar to address the special policy which will enhance the role of local community on the development of tourism activities .The establishment of that policy should be well organized, documented and implemented. The study also has recognized that the government of Zanzibar should have the decentralization policy that will promote and enhance the pro poor benefits from the income collected by the local government on entire area in order to improve the local community development.
Economic institutions that influence women investment return in Zanzibar
(Mzumbe University, 2013) Ame, Mtumwa Haji
Women nowadays are engaged in Micro, Small, and Medium Enterprises as a source of income generation and employment. However, the return does not grow significantly; due to a number of factors including existence of economic institutions that affect their performance. This study centered on examining the economic institutions that influence women investment returns in Urban District of Zanzibar. Interviews, focus group discussion, questionnaires, survey, and documentary reviews were methods employed to collect information of the study. Primary data of 105 women investors was used. Statistical Package for Social Sciences was used to analyze both quantitative and qualitative data and Multiple Linear Regression of Model of Ordinary Least Square was used to find out the relationship between the variable. The findings show that there is a statistical significance relationship between economic institutions i.e Institution 1 (1)= interest rate, Institutions 2 (I2) = accessibility of the market and institution 3 = entrepreneurs behavior. Other institutions are Institution 4 (I4) = access to credit and institution 5 (I5)= level of education. The study recommends the need for promotion of provide gender equality in Zanzibar. This can be done by promoting this in schools, colleges, and universities. Furthermore, the study recommends the need to educate husbands, fathers, and brothers on the importance of allowing their wives, sisters, and daughters to market. At the same time to establish a policy that guides women in the reduction of family responsibility because of their importance in the economy. However, microfinance institutions must be responsible to provide education on business skills meanwhile women must be encouraged to attend these seminars. Micro financial institutions like WEDTEF, SACCOSS and PRIDE need to reduce constrain on women investors who request for loans given that they understand to need for repaying the loan. With such strategies, women will continue applying for more loans and repay those loans to leverage their capital to run their business efficiently.
Agricultural financing initiatives in developing countries: Can microfinance fill The gap? The case of Iringa Rural district, Tanzania
(Mzumbe University, 2013) Munuo, Catherine
Developing country, are suffering from financial shortage in almost all economic sectors particularly in agriculture sector. The initiatives done by the government and different donor agency to finance the farmers have not been able to cover the costs associated with agricultural activities to farmers. As the result farmers continue using tradition farming and depend on informal financial institutions to cover up their financial costs (Wenner, 2010).The informal institutions charge very high interests and often do not meet the needs of the farmers. For this case, microfinance is considered as noble substitute for informal credit and therefore regarded as a powerful instrument for poverty alleviation among the farmers who are economically active but financially constrained (Murdoch & Haley, 2002). This study presents an empirical investigation on this considerable effect of microfinance toward agriculture financial predicament. The general question that guided the study was “Can microfinance fill agriculture financial gap in developing countries" with a particular focus to Iringa rural district in Tanzania. Cross- sectional, primary data from a sample of 188 farmers was analyzed using the binary logistic regression techniques, to see if microfinance can fill agriculture financial gap or not. The study shows that; 17% of the farmers depend on informal institution and those who depend on microfinance are only 9%. The supply of microfinance credit to the farmers is very limited and it’s only 27% of the respondent, who were able to receive the same amount they applied for. Furthermore its only 41% of the whole farmers who managed to finance their agriculture cost. The odds ratio in favour of scale of the farm increases the possibility of covering financial gap as the scale of the farm decreases. Government subsidies have negative impact on possibility of microfinance to fill the financial gap where as microfinance awareness has positive influence on the possibility of microfinance to fill the gap. This study therefore contributes to the understanding of the current situation regarding agriculture finance and fills the unknown knowledge of microfinance contribution toward agriculture financing gap.
Analysis of the factors influencing child labour in tobacco farming: A Case of Urambo District
(Mzumbe University, 2013) Daimon, Benedicto
This study identifies and examines socio-economic factors, which influence child labour in tobacco farming. The study is based on the field survey conducted in Urambo District. Logistic regression modeling was used on a sample of 253 households to determine the influence of education level of parent household, household meals per day, gender, distance from home to school and family parenthood type on children participation in tobacco farming. The study found that the parent’s primary education and secondary education level, number of meals taken per day are strongly significant at 5%, 1%, 5% respectively and positive determinant of child labour in tobacco farming in the district. However, university/college education of parent household, gender and distance from home to school were not significant factors. Moreover, the outcomes of Odd ratio to be greater than one (1) give us some important indications about the future prospects of children participation in tobacco farming. Since the odd ratio of the variables one meal and two meals per day (indication of family wealth) are 6 and 2 respectively are greater than 1 then the odds of not participating in tobacco farming are greater per unit increase in meals taken. Thus, the children living in more wealthy families (three meals per day) are less likely to participate in tobacco farming. Since education odd ratio is less than 1 then the odds of experiencing the characteristic of children participation in tobacco farming is lower for children whose parents have high education level. Based on the findings, the study provides policy recommendations to address the problem of child labour in the area and in other areas facing similar problems.
Contribution of own sources revenue collections to implementation of development projects in Dar Es Salaam Municipal councils: 2003(I) – 2012(Iv)
(Mzumbe University, 2013) Masogo, Masore M.
This study was based on the contibution of ownsources revenue collection to the implementation of development projects in Dar es salaam Municipal Councils (Ilala, Temeke and Kinondoni). Councils revenue collection and expenditure time series secondary data from 2003 to 2012 collected quarterly were used, where by Ordinary Least square method was used to estimate the model. Overall results by using F-test shows p(0.0000) and it is statistically significant by 1%, this implies ownsources revenue collections have an impact on implementation of development projects in Dar es salaam municipal councils. Despite of that significancy, still there was some variable which did not satisfy all conditions of significance. Variable like funds collected from sales of municipal properties did not show linear relationship to implementation of development projects, but all the remaining variables were statisticaly significant and linearly related to implementation of development projects in Dar es salaam municipal councils. These result will help decision makers to make appropriate policies and decision on how to emphasize and concetrate more on ownsources revenue collection. This also will help many Local Government Authorities to identify more sources of income which can rise their revenue and set a clear demarcation of some amount of funds to be spent for implementation of development projects, rather than spent on everyday expences (Recurrent expenditures).
The success of personal records keeping by Mafiga secondary school employees in Morogoro municipality
(2013) Obely, Shadrack
The focus of this report was to examine how employees keep their personal records in the public sector. The study involved the respondents from Mafiga Secondary School, Municipal Education Officer and District executive officer. Personal records keeping by public servants are a common phenomenon in developing countries. It is a well-recognized fact that records keeping are the source of information which helps administrator to reach in a certain decision in all matters of pension benefits, promotion and retention. This study had the objectives of finding out how employees in public institutions had succeeded in keeping their personal records. This investigation was a case study design which used one School in Morogoro Municipal as a study area while the population of the study included Teachers from Mafinga Secondary School and officers from Morogoro Municipality. Research results have shown that personal record is of great important and it’s the responsibility of each new employees in public working to keep personal records for future references and as policy requirements, despite existence of effort of government to come up with policies, labour Acts and employment Acts towards improving personnel records in public services, despite all these effort from the government personnel records has remained inferior. This state of affairs has continuously picked up the space towards loss of personnel documents and delay of payment of retired benefits and poor delivery of services in public services. The study recommended several measures to be taken in order to improve. These recommendations are provision of on working training, rising of awareness’ of the employees on importance of keeping personal records. If these recommendation will be effectively and concurrently implemented will improve the services delivery to the employees due to availability of right records which are kept by employees themselves.
Contribution of tourism on household’s income in Tanzania: The case of Mto wa Mbu in Arusha region
(Mzumbe University, 2013) Igiha, Emmanuel
There are arguments on extensive roles of tourism as regards to improvement of the welfare and living condition of surrounding communities vested on the relationships between tourism and the household’s income. In order to provide critical analysis on the matter, the study focuses on assessing the impact of tourism on household’sincome to communities living adjacent to protected areas by examining the contribution of tourism income to the total household’s income. In so doing, the study examines the effects of tourism on employment and business opportunities in the community and income of the local people at Mto wa Mbu. The study also assesses the contribution of tourism on social services provisions in the community by investigating the supply and employment opportunities and factors that enhance such opportunities. The main focus is on the access of communities on tourism employment, capacity to sell to tourist hotels and lodges and business innovative patterns. The researcher has used both cross-section and longitudinal research designs using the survey and documentary reviews data technique. The survey technique was carried through the established questionnaires and interview guides which were applied to 95 respondents whore were randomly selected through the stratified sampling technique. The community of Mto wa Mbu depends on tourism on their day to day economic activities such as selling their farm produces and artisanal products as well as on employment in lodges, hotels and camps. The findings show that tourism has a significant contribution on household’s income at Mto wa Mbu through provision of farm supplies and employment opportunities which are provided in the industry. The researcher recommends that, the government and other practitioners should increase their efforts on enhancing the community to increase their productivity capacity especially through education in order to increase community awareness and hence productivity.

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