Dissertations (Masters)-MKT-SOB

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    An analysis of factors which contribute to loan deliquency among small medium enterprises : The case of National Microfinance Bank Plc
    (Mzumbe University, 2014) Malundila, Farida Msham
    This study investigated factors which contribute to loan delinquency among small and medium micro enterprises financial institutions in Tanzania. National. Microfinance Bank (NMB) was a case study. The data for the study were collected from 35 clients of NMB who received loans from the bank. In addition, 18 NMB staff working in the credits departments provided information on specific aspects deemed important for the study. Two sets of questionnaires were constructed one set for clients and other for NMB staff working in loan department. The collected data were analysed using the Statistical Package for the Social Sciences (SPSS) version 12.0. Frequencies and their corresponding percentages were used to detect patterns of attributes of interest in the study. The Chi-square test of independence of variables was used to ascertain the independence of key variables. It is revealed that the most common borrowers from the bank are those aged between 30-40 years (60%) and employed in the informal sector (60%). It is revealed further that use of loan proceeds contrary to loan agreement is a major factor for loan delinquency among borrowers. Those who reported using their loan proceeds outside the agreement were more likely to delay payment of their loan instalments in due course (P<0.001).NMB often attach more importance to loan screening than to monitoring the use of credit. Proper documentation on customers files is done and use of strong collateral which means collateral must be of high value than a loan given to customer. It is recommended that in order to achieve a significant reduction in loan delinquency, the bank’s screening process particularly with regards to the nature of business, likely returns to the business, other sources of income to finance social or unforeseen events that are likely to interfere the development of the business.
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    An assessment of consumer awareness and usage of e-banking transactions through mobile phones: A case of VODACOM Tanzania limited
    (2014) Mohamed,Eginga
    A study was conducted to assess consumer awareness and usage of e-banking transactions through mobile phones using a case of Vodacom Tanzania limited. The specific objectives of this study were to; identify factors influencing the adoption intention of e-banking transactions through mobile phones, identify attitudes towards usage intention of e-banking transactions through mobile phones, identify barriers on usage intention of e-banking transactions through mobile phones and suggest measures that should be instituted to improve the situation. The study adopted case study design; purposive sampling and simple random sampling were used to select respondents. Questionnaires and interview were used in data collection and a sample size of 55 respondents was used in the study. Findings revealed that 36%, 18% and 24% of respondents identified benefits, self-efficacy and ease of use respectively as key factors influencing the adoption intention of e-banking transactions. Findings also revealed that 45% and 27% of interviewed respondents identified perceived usefulness and perceived ease of use respectively as key attitudes towards usage intention of e-banking transactions through mobile phones. Moreover, the findings revealed that 42% and 25% of interviewed respondents identified insufficient understanding of the services and technical issues as the key barriers on usage intention of e-banking transactions through mobile phones. The study concluded that, benefits, self-efficacy, and ease of use exert significant influences on consumers’ perception towards e-payment. Also, attitude is the major determinant of mobile banking adoption intention, perceived usefulness and perceived ease of use from the technology acceptance model influence usage of e-banking transactions. Similarly, with the recent and forecasted high growth of electronic banking, it has the potential to develop into a world-scale internet economy which has potential barriers that requires examination. Henceforward, the study recommends that, Policy makers and service providers should have an advanced knowledge since it has provided information on the current state of e-banking acceptance and use, particularly among Tanzanians as they develop strategies directed at increasing e-banking acceptance and use. Service providers should educate consumers through demonstrations and training in order to better equip them to master e-banking transactions in mobile banking systems so as to mitigate barriers on usage intention of e-banking transactions through mobile phones. Service providers should promote the use of mobile banking services to enhance e-banking transactions.
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    Constraints on women business growth in Dar-Es-Salaam: Evidence from Kariakoo
    (Mzumbe University, 2014) Chuma, Ester R
    Women entrepreneurs are already making important contributions to the industries development of their countries. Despite their contribution, women face a variety of constraints. The latter include poor access to market information, technology and finance, poor linkages with support services, and an unfavorable policy and regulatory environment. Due to that fact therefore the researcher investigated problem facing women entrepreneurs at Kariakoo in Dar – es – Salaam. Specifically, the researcher identified type of business of women entrepreneurs at kariakoo, identified the constraints facing them, and determined the ways of eliminating the challenges. In conducting this study, the researcher used case study design and the study involved 100 women entrepreneurs from Kariakoo . She collected and used primary data which were collected through questionnaires and interviews. Since the study was qualitative in nature, therefore, data were analyzed by using qualitative data analysis techniques. The study revealed that, women entrepreneurs at Kariakoo were had different types of business ventures which included 45 (45%) of the respondents were sole proprietors, 15 (15%) were in partnership, and 15 (15%) were owned companies, and 25 (25%) were in cooperatives. Further analysis showed that women entrepreneurs were faced lack of information 20 (20%), low level of education 15 (15%), impact of the legal and policy framework 10 (10%), lack of finance support, 30 (30%) and family responsibilities 25 (25%) were the challenges facing them. It was recommended that the provision of education to entrepreneurs, financial empowerment, creation of good business environment, and participation of men in helping their wives are likely to eliminate or reduce the challenges facing women entrepreneurs at Kariakoo and the rest of the country
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    The impact of interest rates on poverty reduction: A case of CRDB Dar es Salaam
    (Mzumbe University, 2014) Kassela, Florence
    This study will be conducted in Ilala municipality, Dar es Salaam. CRDB Bank PLC (AZIKIWE) and more of microfinance department will be involved. The study intends to analyze the effect of interest rate on poverty reduction, and the findings of this study will help in one way or another to give out solutions or ways for Tanzanians to be helped out in this area. Different methods were used in obtaining the data. The researcher obtained a sample of 20 clients by using random sampling which is 50% of the targeted population. Both primary and secondary method of data was used. Data was collected through questionnaires, interviews and documentary reviews. The study is qualitative research design which used case study. Findings of the study show that all of the CRDB clients in the study were already in the business before applying for the loan. Many of them engaged before applying for loan. Many of them engaged on different types of businesses immediately after standard VII or O ‘level education. Some of them got skills of the business from by inheriting from their parents while others were due to life hardship. The study recommends that interest rate charged by CRDB is very high compared to profitability of her clients business, make change method of repayment and introduce vi another repayment period because weekly repayment seems to affect majority of her clients. According to the CRDB mission is to create a sustainable financial and information service for small and micro entrepreneurs in order to promote their business growth, enhance their income and create employment in Tanzania. It seems the policy rejects many poor people who could participate in the whole exercise of poverty reduction.
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    The impact of introducing Electronic Fiscal Device (EFD) system in revenue collection in Tanzania
    (Mzumbe University, 2014) Nzota, Erasto
    This study was assessing the impact of introducing electronic fiscal device (efd) system in revenue collection in Tanzania. It was conducted at Temeke regional tax collection. Both qualitative and quantitative approaches were employed using a sample of twenty six respondents. The main research instruments used were the questionnaire and interview. Both qualitative and quantitative data collected were analyzed using simple descriptive statistical methods such as frequencies, percentages and cross tabulations. The major focus was to examine the extent EFD has improved tax collection at Temeke regional tax collection, to investigate the performance of the EFD on revenue collection at Temeke regional tax collection, and To examine the system used by TRA for monitoring the use of EFD in business transactions at Temeke regional tax collection.The results show that, EFDs play a big role in the increase of revenue collections. The report also shows 2010/2011 revenue collected was (all amounts in Shs millions) TZS 800,285.23/= and the 2011/2012 collections was TZS 991,034.00. Electronic fiscal devices compliance monitoring progress report show that for the year 2014 the target of revenue collection before EFDs acquisition was 325,646,369.00/= but the actual collection was 378,069,279.71/= The revenue target after EFDs acquisition was 371,859,441.00/= the actual collection was 727,375,890.00/= This implies that the collection was extremely increased after the acquisition of EFDs machines at Temeke Tax Collection Region. EFDs have really helped increase profits due to their efficient nature, increased efficient on preparation of other sales report, increased efficient in stock taking, wise control of inventory is often a critical factor, easily timely preparations of reports and EFD has assisted ease the work of processing VAT returns. The response of regular breakdowns of the Devices should be done on time thus ensuring the usage of the machines to all registered VAT traders, moreover the existing devices should be subjected to a new test in order to minimize and remove substandard devices believed to be in the circulation
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    Factors causing commercial motorcycle accidents in Tanzania: The case study of Morogoro municipality
    (Mzumbe University, 2015) Ernest, Kowi Christopher
    This study paper focused on factors causing commercial motorcycle accidents in Tanzania; the case study of Morogoro Municipality. The purpose was to create awareness on how occurrence of accidents among commercial motorcyclists can be brought to a minimum level or completely eliminated through the use of information. The total numbers of one hundred fifty were considered for study from various locations within Morogoro Municipality. The locations including Kihonda, Mafiga, Morogoro urban bus stand, Msamvu bus terminal, Postal area, Regional hospital, Mazimbu campus and Misufini were considered for data collections. The same numbers of respondents were found valid for analysis. Data were analysed through Statistical Package for Social Science. The findings of this study showed that demographic information has significant influence on the causes of road accidents among commercial motorcycle riders in Morogoro Municipality. Among factors that significantly contribute to increasing rate of commercial motorcycle accidents are: over speeding, wrong overtaking, bad roads, alcohol drinking and driving, bad road, lack of training and non-observance of traffic law. It was discovered that commercial motorcycle riders do not comply with the Road Traffic Act, 1973 as amended 2002. It is recommended that motorcyclists be issued road license after attending formal training. There should be a creation of road safety awareness using media as a means of communications at national level. The infrastructures should continuously be improved and there should be strict penalties against anybody contravening road traffic rules
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    The impact of workforce diversity on the performance of microfinance institution in Tanzania, an experience from NMB Bank Tanzania
    (Mzumbe University, 2018) Kileo, Angela
    The study assessed impact of workforce diversity on the performance of microfinance institution in Tanzania. The variables such as education diversity, seniority diversity and specialization diversity, age diversity, gender diversity and education diversity were assessed its contributions for organization performance. The study employed descriptive research design. The targeted population were 250 staff working at Head Office NMB Bank Limited in Dar es Salaam. The study employed simple random sampling techniques and convenient non-probability sampling technique to select sample size. The sample size in this study were 71 staff working at National Microfinance Bank Head Office. The data was collected using survey questionnaire and interview. The data were analyzed using content analysis, descriptive statistics and regression analysis. The researcher balanced two values which were the pursuit of scientific knowledge and the rights of those being studied to participate in the study to ensure ethical considerations. The study found that employees gender diversity, employees age diversity, employees education diversity, employees seniority diversity and employees specialization diversity has a positive contribution on performance of NMB Bank in Tanzania measured through bank perceived generating more profit over years. The study concluded that NMB Bank has to promote the working diversities in their recruitment process in order to promote organization performance. The study recommended that NMB Bank Human Resources policies has to encourage culture of workforce diversities in order to promote performance of the bank
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    Assessment of the factors influencing consumer buying decision of mobile phone brands: A survey study among university students
    (Mzumbe University, 2019) Zephania, Glory
    Development of mobile phones and such technologies has been growing fast in recent years, depicting a wide innovations and advancement. This indeed has emanated from consumer’s needs and preference. In this context, there is no doubt that mobile phone is one amongst the fastest growing product with the high rate adoption of new technological advancement. Therefore, studying determinants of consumer buying decision of mobile is important to manufactures as well as marketers. This study aimed at assessing the factors which influence consumer buying decision to mobile phones brand. Specifically, this study focused on identifying mobile phone brand features affecting consumer buying decision, assessing personal factors affecting consumer buying decision on mobile phones brands, and assessing social economic factors affecting consumer buying decision to mobile phones brand. Data were collected from 200 respondents who were university students, whereby the sampling technique used to select these respondents was convenience sampling technique. The data collection method deployed in this study was questionnaire, hence, the questionnaires were distributed to 200 respondents and all of them were successfully returned, which in turn it enabled this research to have i100% response irate. Data were analyzed using Statistical Package for Social Sciences (SPSS), whereby the frequencies and percentage were determined and presented in tables and graphs. The findings of this study indicated that all selected brand features including brand name, phone durability, phone’s physical appearance and phone’s capacity of saving charge affects consumer buying decision of mobile phones. In addition, the findings indicated that consumer buying decision of mobile phone is highly influenced by personal factors including age, gender, lifestyle and occupation. Furthermore, the results indicated that socio-economic factors including group, income, price and socio-status also influence consumer buying decision of mobile phone. Therefore, this study concluded that consumer buying decision of mobile phones is influenced by multiple factors that should have the same consideration in the manufacturing and marketing processes