Dissertation (Masters) LSD

Permanent URI for this collectionhttp://192.168.30.20:4000/handle/123456789/122

Browse

End date: 2019

Search Results

Now showing 1 - 3 of 3
  • No Thumbnail Available
    Item
    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.
  • No Thumbnail Available
    Item
    A framework for enhancing adoption of e-tax service in Tanzania
    (Makerere University, 2014) Deogratus, Daniel
    Electronic tax service has proved to facilitate easy communication between clients and the authority in the aspect of helping the clients to have access to the service without time and location boundaries, it is the fact that adoption of electronic tax service in most of developing countries remain poor. As a result of this e-tax service in place are marked with limitations such as technological barriers, low utilization of services, poor electronic service provision, poor customer support. A major contributor to the low adoption rates for e-tax services is the lack of appropriate models to explain e-tax adoption in the Revenue authority. This study aimed to e-tax develop a model that support electronic tax services adoption in Tanzania Revenue authority to fully utilize potential benefits of electronic tax service. A questionnaire based exploratory field study was administered to taxpayers and administrators working with Tanzania Revenue authority. Out of a total of 300 respondents who were given questionnaires, 267 respondents returned validly filled questionnaires showing a response rate of 89%. The factors obtained from the results of the field study were used to extend TOE framework in order to derive a appropriate model that explains the adoption of electronic tax service in Tanzanian context. To validate the model, expert opinions were compared with the results of the field study. The validated results showed that four factors namely: Financial institution participation, Trust, electronic payment systems availability and Training had significantly impact on adopting electronic tax services in Tanzania. These factors could be used as measures to overcome the challenges of e-tax adoption in Developing countries like Tanzania. The results also contribute to electronic tax literature by providing a model for improved understanding of the factors that are vital for the electronic tax adoption. The model is generic and can be adopted for use by other economically and technologically transitioning countries with similar contexts as Tanzania.
  • Thumbnail Image
    Item
    An assessment of the readiness of President’s Office Public Service Management in electronic records management: A case of Tanzania Public Service College and Records and Archives Division
    (University of Dar es Salaam, 2017) Newa, Judith Romwald
    The study assessed the readiness of the President’s Office Public Service Management, (PO¬PSM) in electronic records management at the Records and Archives Management Division (RAMD) and Tanzania Public Service College (TPSC). Data for the study were collected from both primary and secondary sources. Primary data were collected through self administered questionnaire, face to face interview and non participatory observation while secondary sources were collected through review of various documentary sources. Quantitative data were analyzed by using Statistical Package for Service Solutions (SPSS) whereby qualitative data were analyzed by using content analysis. Generally, the key findings revealed that the PO-PSM is not well prepared in electronic records management, since various factors were identified which hindered its effectiveness, such as ,lack of awareness and attitude, lack of technical support, inadequate funding, lack of harmonized legal framework on electronic records management and shortage of experts in electronic records management. Other factors were inadequate facilities, and Internet connectivity. Finally, the study recommends that the government should support higher learning in introducing and enhancing LIS and e-records management curriculum at various colleges and universities in the country through the Ministry of Education and Vocational Training and TCU, government should ensure legal framework on e-records management are implemented. Also, PO-PSM and RAMD should mobilize for adequate funds from donors, government and private sectors to support implementation and utilization of ERM, staff training and acquisition of software and hardware applications. In addition to that, the RAMD should to be made increasing ICT facilities, and installation of e-records and security systems to enhance security of electronic records.