Dissertations (Masters)-BA-SOB

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The impact of employment contract to the employee performance: A case study of MIC (T) Ltd (Tigo company) in Morogoro region
(Mzumbe university, 2014) Tusemen, Herris Harrison
The purpose of this study was to assess employment contract to the employee performance, a case study of MIC (T) Ltd (Tigo Company) in Morogoro region. A researcher observed there were challenges concerning employment contracts and try associates it with employee performance. Some of the main specific objectives include evaluating the role of remuneration, working hours, fringe benefit, social security, health services and bonus in contributing to the performance of the employees. Indicators of employees‟ performance will include employees‟ morale, productivity, efficiency Labour turnover and level of commitment. The study finally involved sample size of 26 respondents but due to unwillingness of some respondents to participate in the study then 20 respondents were reached. The results showed that 80 percent of the respondents had no clear employment contracts. 60 percent confirmed the contracts have not stated open terms and conditions for the job termination. Also at least 80 percent of the employees confirmed that their contracts have not defined clearly working positions and essential duties. Addition to that, at least 70 percent of the employees argued that performance indicators have not been incorporated in their contracts.85 percent of the respondents disapproved claim of compensation to be involved in the contracts. Furthermore, at least 75 percent of the employees are not satisfied with their contracts.
The impact of corporate social responsibility on poverty alleviation in mining areas in Tanzania: The case study of African Barrick Gold
(Mzumbe university, 2013) Hauli, Steven Mugisha
This research aims at assessing the impact of corporate social responsibility on poverty alleviation in mining areas in Tanzania by using a case study of African Barrick Gold (ABG) as its research design. The study was conducted at Tarime and Kahama Districts where three ABG’s gold mines of North Mara, Buzwagi and Bulyanhulu are located. A sample size of 150 was used in the study comprising of ABG employees, ward and village executive leaders, local residents and local government officials in the area. Information relating to Corporate Social Responsibility activities conducted by ABG and their implementation were extracted from annual reports; websites, interviews, questionnaires and library research. Data collected were summarized both qualitatively and quantitatively. The sampling procedures used were judgmental sampling and simple random sampling research methodology. Major findings show that ABG’s has invested heavily in Corporate Social Responsibility activities such as education, health, water and sanitation, electricity, infrastructure etc in all the mining areas where it operates. However, the research has found out that despite these massive investments in mining areas, ABG’s Corporate Social Responsibility activities have not contributed much to poverty alleviation for most residents in the areas. The conclusion drawn in this study shows that effective implementation of the company’s Corporate Social Responsibility plan has a positive impact on poverty alleviation in the surrounding communities where it operates. Therefore, the study recommends to the government to regulate corporate social responsibility in the country by making it mandatory for mining companies to fund development activities in the areas where they operate. Also, the study recommends that a certain percentage of corporate tax or royalty paid by mining companies should be remitted back to local governments for promoting economic development activities in the mining areas.
Exploring the value of training on employee performance: The case of Vodacom Tanzania limited (VTL)
(Mzumbe Unversity, 2015) Franco, Mayra
This study examined the value of training on employee’s performance in organizations. It is a case study of Vodacom Tanzania. The study was guided by the following specific objectives; to find out the available administrative instruments that guide staff training practices, to establish the types and modalities of training, to determine the change on employee performance as a result of specific training and to identify challenges facing employee training and performance. The researcher used case study design conducting the research where by a single unit was selected and data collection was done through primary and secondary data through the use of data collection methods such as interviews, questionnaires and documentary review. Whereby a sample of 100 was selected. Analysis of the collected data was done through qualitative research methodology. The Findings revealed that various criteria were used in the selection of employees for training such as performance appraisal, supervisory recommendations, request of employees, and skills inventory among others. It was found that most of the staff has attended various types of training including on the job and off the job training. It was further revealed that staff at Vodacom Tanzania attended short courses, seminars and workshops. Some respondents agreed that staff training and development provided by the Vodacom Tanzania Limited fulfilled their expectations. It is argued that since respondents agreed that training is useful in promoting job satisfaction to employees, then work contributes to the performance of the organization. Most of the respondents portrayed that employees are promoted to different positions after training resulting into performance improvement of the organization. Also, some of the study respondents explained that training of employee’s increases experience and hence promotes performance of the organization. The study also found out that Training programmes at VTL experience a number of challenges which include budget constraints, different training needs, changes of technology and others. It is recommended that Vodacom Tanzania Limited should establish and implement a high-level roadmap for strategic training and development to take place. The company should provide a flexible framework within which training and development strategy is worked out. The result showed that employee training has positive significant relationship with employee performance .Subsequently recommendations were made that management should increase budget for staff training and also staff training should line with organizational objectives. Since training needs are differ employees and HR managers should match training to specific needs as opposed to providing ‘blanket’ training to all employees to improve performance
The impact of credit institutions on the development of small and medium enterprises Tanga city: The case of NMB bank (MADARAKA branch.)
(Mzumbe university, 2014) Banda, Victor M.
Development of a vibrant economy depends on how entrepreneurial the people are, and though some believe that entrepreneurs are born but the fact is that entrepreneurs are made. A strategic thinking is how to consistently develop the capacity of making entrepreneurs. Business development is about seeing opportunities and developing the best ways of tapping those opportunities to ones advantage. Tanzania is blessed to have quite a number of natural resources that are worthless until when they are exploited and transformed into other consumable products to be marketable. The Government supports initiatives to develop capacities to effect the transformation. The aim of this study was to determine the impact of credit institutions on the development of small and medium enterprises in Tanga city. To accommodate the sampling procedure, this study used stratified probability sampling techniques. The reasons for this selection is that with probability sampling each population element has equal chance of occurrence(Kothari,1990) The sample of this study was only Tanga city where all data concerned to this were gathered. The sample size constituted 35 respondents. The government has to put in place good operational environment for SME development and growth. It fully supports strategies, programmers and projects aimed at contributing to the development of SMEs. It is my sincere belief that active participation of all stakeholders in this noble development course will increase the pace of business creation, chances of survival and success, create jobs, increase income and contribute to the improvement of general people’s well being. And emphasizing to all small and medium entrepreneurs to go school which will help them in their business management increasing sales.
Causes of corruption in construction public procurement in Tanzania: A case of Manyara region
(Mzumbe University, 2014) Mazigo, Denis
This study aimed to assess the Causes of Corruption in Construction Public Procurement in Tanzania whereby Manyara region was taken as the case study. Specifically, the study aimed; to examine the causes of corruption in Construction Public Procurement; to assess the construction public procurement process and the main types of corruption in each stage; to identify the main causes of corruption and suggest measures for eradicating corruption in the construction public procurement in Manyara region. The study employed a case study design where 140 respondents were purposively selected among experts in construction professionals such as consultants, architects, quantity surveyors, engineers, and contractors. Simple random sampling was used to select public officials from Manyara region. The data were collected by using questionnaires, interviews, and documentary reviews. Both qualitative and quantitative data were analyzed using SPSS software. However, descriptive statistical methods such as averages, frequencies, charts, tables, graphs, and percentages were used to analyze and present the findings. The findings revealed that in all stages of procurement, corruption takes place including the specification of the tender, the bidding process, the selection stage, the delivery stage, and even the evaluation stage, and the main causes of corruption are lack of transparency, bureaucracy, lack of legal framework, behavior aspects of some unfaithful procurements officials, discretion, lack of accountability and even budgeting problems in the said area. The study recommends that there should be Compliance with Legislative Obligations and Public Policies, Avoiding conflicts of Interest, Use of an appropriately competitive process, Security and Confidentiality, Consistency and Transparency of the procurement process, and even Fairness and Impartiality. These issues will result in a decrease or elimination of corruption practices among officials in the construction industry.
Challenges and opportunities facing beekeepers on commercializing bees products in Tanzania: The evidence of Mvomero District, Morogoro
(Mzumbe University, 2015) Munuo, Dorice Dengenesa
The purpose of the study was to identify potential challenges and opportunities facing beekeepers in commercializing of bee products in Tanzania, the evidence of Mvomero district. With a qualitative approach, the study was conducted as a case study design. 52 beekeepers from five selected wards were interviewed on specific research questions about potential beekeepers, potential opportunities for beekeeping in Mvomero District; potential challenges facing beekeepers in commercializing bee products and measures to be taken to overcome the challenges facing beekeepers in commercializing bee products in Mvomero District. The findings show that most of beekeepers in Mvomero district practice small-scale traditional beekeeping. More recently than before, few beekeepers were transforming from subsistence to commercial bee keeping. The involvement of non-government organizations in beekeeping activities motivates beekeepers to shift from small traditional beekeeping to large modern bee keeping. Although the area is endowed with potential beekeeping natural resources like good forestry coverage there serious challenges still facing beekeepers in commercializing bee products. The challenges include lack of extension officers, expensiveness of the modern bee hives, poor social infrastructures to organize bee keepers, lack of package materials, and market instability. It is therefore recommended that measures suggested by beekeepers should be considered for commercial beekeeping to be realized in Mvomero district. These measures include: Market stabilization through special agents to encourage beekeepers, contract beekeeping to guarantee for market, capacity building to equip beekeepers with relevant beekeeping business knowledge, allocation of resident extension officers near the beekeeping zones to ensure their availability, facilities like bee hives and storage facilities should be supplied to help beekeepers get them easily, harmonizing the social infrastructures to facilitate organized beekeeping.
Challenges faced by taxpayers in using electronic fiscal devices in Tanzania: A case study of selected taxpayers in Nyamagana district, Mwanza city.
(Mzumbe University, 2015) Siraji, Yunusu K.
The aim of this study was to examine the challenges faced by taxpayers in using Electronic Fiscal Devices in Tanzania, a case study of selected taxpayers in Nyamagana District, Mwanza City. Researcher planned to look at the challenge facing taxpayer following the introduction and use of electronic taxation collection system in Tanzania especially in Mwanza City. The research adopted both quantitative and qualitative approaches and used descriptive and explanatory research designs. A sample size of 205 respondents, selected through stratified random sampling and purposive sampling, was used to provide data through questionnaires and in-depth interview. In addition, some data were collected through documentary review. The quantitative and qualitative data were analyzed using descriptive statistics and thematic analysis respectively. Findings indicated inherent challenges; lack of education, high cost of the device, lack of sufficient technical experts, persistent power outage, and time loss on device operation. The device is to some extent effective according to TRA observation but still raise some reservations to tax payers. Although, there are reservations from tax payers, TRA acknowledge that the devices are useful in different ways. Thus, the research recommends various ways to address the challenges and the reservations to improve the effectiveness and usefulness of the devices.
Challenges facing banking industry in the implementation of corporate social responsibility in Tanzania: The case of Exim Bank - Morogoro branch
(Mzumbe university, 2014) Rishia, Betty
The study was about assessing the challenges facing banking industry in the implementation of corporate social responsibility at Exim Bank Morogoro branch being the case of the study. The study population involved the Exim employees and the internal and external customers. The sampling techniques were used in the study involved purposive sampling and convenience sampling as sampling techniques used to generate the sample size. The sample involved 55 respondents which participated in the study. The study used a case study research design; moreover, data collection techniques involved was interviewing the respondents and questionnaires. The tool for data processing and analyzing was SPSS. The study revealed that Exim Bank enhanced its CSR policy which is in line with government policies in order to address community needs, to improve staff welfare through the provision of loans, to enhance staff morale through training, to provide bonuses and to build community acceptance, that influenced the practice of CSR as responded by respondents. However, through practicing CSR, Exim Bank was able to enhance its services such as product quality, customer care services and instituted ethical advertising and sound systems to guide investment decisions. Also, CSR contributed to the reduction of public relation costs, contributed to pension Fund ‘s profitability and financial performance as customers became satisfied and enrolled more to meet Exim Bank targets. In view of the findings the researcher recommends that Internally, Banking industry need to undertake CSR activities more professionally by making it an integral part of their business operations. This means that companies become proactive in building performance capacity, setting clear CSR goals and policy, set targets and evaluation of performance, apart from this but also Externally, it is important that companies like Exim Bank also become more transparent with their CSR initiatives and be ready to communicate to the public their policies, contributions and success clear and open vi communication, aimed at a wide range of stakeholders, not simply government officials is crucial to gaining recognition and benefits from CSR. So as to better respond to development policy, companies ‘CSR should be linked to the national and local development goals. But also, businesses need to go beyond their ad hoc philanthropic donations, the aim is for companies to contribute to overall development priorities and build the capacity for government to support broad‐based development. Banking Industry need to continue implementing CSR to the community; it serves by increasing the services in order to accommodate the needy who are drastically increasing. By doing so, what it gets from the community would be equally reciprocated. Banking Industry has to revise its methods used to practice CSR in order to compete well with other competitors for its profitability. Banking Industry has to work harder to satisfy its customers through enhancing the internal business processes while being guided by investment decisions put.
Fair taxation; how does Morogoro Municipal taxpayers perceive it? A case of Tanzania Revenue Authority – Morogoro-Municipal
(Mzumbe university, 2016) Shirima, Maternus Joseph
The study intends to investigate the use of collection target based system on fair taxation in Tanzania. As the new system introduced the performance of the authority still does not contributes much towards fair taxation since it forces tax collectors to arbitrary rise assessment /while others collectors, collect just enough from easy to tax sources in order to accumulate the target collection amount set. The study was conducted in the form of an imbedded case study of TRA, domestic revenue department(DRD) both primary and secondary data were collected via questionnaires, interview and documentary review records are respectively used on the analysis. The sample size to respond to questionnaires was selected using a non statistical approach, the judgmental/purposive method and stratified method. Since the main purpose of the new system was to ensure that performance (effectiveness and efficiency) and tax complains from taxpayers are reduced or removed at all, but the result is vice versa though the amount of tax collected by the authority increased but still there are complain from the customer concerning their assessment (tax affairs) therefore the introduced new system is only rely on the amount of collection (quantity) and not how collection is effected (quality) by the authority. Moreover, the authority should not only based on the quantity (amount) of revenue collected but also looking on the ways how those revenue is collected (quality), in order to minimize the high tax burden from taxpayers as well as the complains, which result to high cost to the authority incurred to manage appeal cases which can be avoided through betters collection system, while tax laws and regulation should be considered.
The causes and impacts of loan default to microfinance institutions (MFIS) activities: A case of pride Tanzania Ltd Pamba branch-Mwanza
(Mzumbe university, 2015) Mungure, Mosses Eliud
This study was conducted in order to find out the impacts and causes of loan default to MFIs activities using PRIDE Tanzania ltd- Pamba branch in Mwanza as a case study. This study specifically focused on finding out the impacts of loan default on MFIs operational costs, income, profit and lending, examining extent in which loan supervision, monitoring and control affects loan repayment, identifying whether multiple borrowing by clients leads to loan default, finding out whether the use of funds by clients for unintended purpose contribute to loan default. Research design used was case study design. The study carried out in Mwanza region in Nyamagana and Ilemela district sample size comprised of 100 clients who benefit from PRIDE Tanzania ltd services and 10 loan officers of PRIDE Tanzania ltd .Sampling techniques adopted was Simple random sampling technique used for loan officers and Purposive sampling technique used in sampling MFIs clients .Data was processed through Statistical Package for Social Scientist and analysed and presented in the form of frequencies, percentages and tables. The study findings revealed that interest rates charged on loans, diverting funds from its intended use, multiple borrowing has a direct impact on repayment. The research also revealed some of the causes that contributed to the default by some customers such as lack of collateral and high interest rates. The study also concluded that formation of strong solidarity groups is key to preventing high arrears. MFIs should also provide appropriate training and supervision to clients regarding the use of their loans. Further more MFIs should have clear and effective credit or lending policies and procedures and must be regularly reviewed.
Contribution of internal audit in procurement of goods and services at the President’s Office (PO), Constitution, legal affairs, public service and good governance-Zanzibar
(Mzumbe University, 2018) Kheir, Abdalla
Procurement is very essential, sensitive and has become major concern of unit in various aspects of the public entities in Zanzibar (Public Procurement Act, 2016). The study intended to assess the contribution of internal audit in procurement of goods and services in public entities. Specifically, the study aimed at addressing three objectives namely: To assess the extent to which internal audit evaluate the effectiveness of internal controls in procurement process; to assess the extent to which internal audit evaluate policies and procedures of the procurement management unit and; to assess the effectiveness of internal audit in risk assessment and management in procurement management unit. Data were collected from both primary and secondary sources. The study used Questionnaires, interviews, and observations as a data collection instruments. Documentary reviews were used to complement the primary data. The data were analyzed through the statistical package for social science (SPSS). The study used descriptive or qualitative research methodology, employing a case study research design. A sample size of 91 respondents was selected from internal audit unit, procurement unit, and tender board members. Officers in charge from other departments of the Ministry of States, President’s Office, Constitution, Legal Affairs, Public Services and Good Governance were also involved. The study found out that the effectiveness of internal audit in Internal control of procurement process at President’s Office, Constitution, Legal Affairs, Public Service and Good Governance is effective and adequate by 74% of its average to present errors and irregularities. The extent to which internal audit evaluate policies and procedures as clear indicated by 56% of its average, provides clear guidance toward the Procurement Unit. The study also found that the effectiveness of internal audit in risk assessment and management in procurement management unit is also adequate by 65% of its average. The study recommends for the adherence of the policy and procedure and proper implementation of internal control system.
Contribution of managerial information systerm (MIS) in delivering of quality medical care services: A case of Muhimbili national hospital
(Mzumbe University, 2015) Maria, Maingu
The objective of this study was to assess the contribution of Managerial Information Systems (MIS) in delivery of quality medical care services at Muhimbili National Hospital (MNH). The study intended to compare the expected referral medical services to clients / stakeholders against efficiency of JEEVA system as a tool to facilitate better delivery of medical care. It also assessed the reasons as to why majority of stakeholders were not satisfied with the handling of their patients as from point of receptionists, process of payments, medication queues as well as the discharge procedures practices at MNH. The study also examined if there was adequate human resources to accommodate operations of the JEEVA system to accelerate the speed of medical care delivery at MNH. Assessing if there were enough electronic nodes connected to internet facilitating patients‟ information flow from receptionists to discharge. This study was conducted at Muhimbili National Hospital, Dar es Salaam. The study took about six months and during the period the researcher used her time effectively to collect data from selected health managers, health workers, patients as well as health stakeholders randomly chosen within time frame of data collection. The research methodology was questionnaires with both closed and open-ended questions to health managers and their supporting staff workers, formal and informal interviews to patients and health stakeholders basing on questionnaires. Samples of 102 health managers, health workers and stakeholders/ clients were willing to respond upon research questions. Collected data were analyzed using the Statistical Package for Social Scientist (SPSS). Findings from this study revealed that, JEEVA system installations at MNH contributed a lot towards delivering of improved health care services. It was also found that there was a need to employ more facilitators (medical supporting staffs) on delivering desired medical care since the tasks are huge for them to accommodate the needs of patients.
Contribution of micro and small food processing industries in poverty reduction in Tanzania: A case of SIDO, Mwanza
(Mzumbe University, 2014) Yondani, Jacqueline
For many years, poverty has been a problem in Tanzania. Unemployment in Tanzania has madepoverty rate to decline in a very small level. Knowing that, the government through its organisation known as Small Industries Development Organisation (SIDO) made efforts toencourage and promote entrepreneurship especially through establishment of micro and smallindustries so as to reduce poverty. The government also made some policies such as the SME policy with the same intension as elaborated above. The aim of this study is to assess thecontribution of micro and small food processing industries in poverty reduction in Tanzania andthe study was conducted at SIDO Mwanza regional office. The study’s objectives were as follows, to identify operations of micro and small food processing industries operating in the economy of Tanzania, to assess the contribution of micro and smallfood processing industries in poverty alleviation in Tanzania and to identify the strategies forimproving the contribution of micro and small food processing industries in poverty reduction in Tanzania. The population of the study involved 4 staffs from SIDO (who are concerned in entrepreneurial aspects such as the Manager, Credit Officer, Business Development Officer and Technical Officer). The study also involved 60 micro and small food processors who receive services from SIDO in one way or another. Sampling techniques involved in the study are purposive, randomand convenient sampling. The techniques for data collection included questionnaires, interviewsand observation. Qualitative data were analysed using content analysis and elements coded accordingly for analysis and presented. The data collected were all analysed using basic mathematical calculations that were presented in tabular, pie chart and bar chart forms. Study findings reveal that, income generation, improve living standard, employment creation and source of government revenue are the contributions of micro and small food processing industries to food processors, the government and the society at large. The contributions are as aresult of availability of resources such as water, electricity, raw materials, employees and otherresources in these industries. Also the contributions are resulted by proper utilisation of theservices offered to entrepreneurs by SIDO. These are such as trainings, advisory and consultancy
The contribution of microfinance institutions in development of small enterprises :The case of Ilala municipality
(Mzumbe University, 2013) Ng’ana, Jenipher J.
The study intended to assess the contribution of Microfinance institutions in development of small enterprises in Tanzania, in the context of limited financial services in both rural and urban areas in the greater part of Tanzania, the study attempt to assess the role of Microfinance institutions (MFI) in facilitating micro enterprise development at Ilala Municipality in Dar es salaam region in order to increase prospects for economic and social development. The general objective was to explore the contribution of Microfinance institutions to development of small enterprises at Ilala in Dar es Salaam. The study was carried out in Dar es Salaam region as it was easier to obtain information from three different Microfinance institutions and some government Officers. Case study research design was adopted. Interview, questionnaires and observation data collection methods were used to collect data. A total number of sixty (60) respondents were given the questionnaires and interviewed. The findings revealed that microfinance institutions are the options and self-confidence of small businesses by contributing to their expansion and diversification of their businesses. They also help small businesses to decrease risks, increase profit, store their excess liquidity, obtain returns on their savings, and to conduct their businesses with dignity. The standard of living also improves in terms of education, housing, and health. In addition, the economic activities often create jobs for others; among those who gain employment in this way are some of the extreme poor people. They impact by mobilizing savings for investment, facilitate and encourage inflows of foreign capital and optimize the allocation of capital between competing uses. Generally, there is a need to create favorable environment for attracting more establishments of Micro Finance Institutions for sustainable economic development in the poor communities.
The contribution of microfinance institutions to poverty reduction in Tanzania: The Case Study of Moshi Municipal Council in Kilimanjaro Region
(Mzumbe University, 2015) Akarro, Victor Basil
The general objective of this study is to assess whether the Gender Equitable Local Development (GELD) Programme has improved women’s livelihoods in Morogoro Municipal, Tanzania. The study interviewed 96 respondents. Data collection used questionnaires and interviews. Data analysis was based on descriptive statistics, frequency analysis and percentages. Data were presented using texts, Tables and Figures to illustrate findings. The study found that areas of focus of GELD mentioned in the study included social, financial, human and physical capital. GELD sought how to utilize the mentioned capital to empower women’s livelihood. It was also found by the study that GELD used ways of training, capital giving, saving mobilization and creation of networking among women in order to empower women livelihood. The challenges identified were lack of education among women, religion fanaticism, women feeling shy to utilize their capabilities and poor women’s degree of financial freedom. The study concludes that the GELD targeted the appropriate areas of social, financial, human and physical capital to empower women livelihood. The study also concludes that GELD invested its resources of money, time, human, natural resources in the right areas through training, provision of capital, saving mobilization and creation of networking among women in order to empower women livelihood. Furthermore, the study concludes that GELD was not working with the perfect society as there were challenges facing GELD efforts. The study recommends to the government and other organs to creating properly planned, well managed markets and facilitating access to markets to marginalized women entrepreneurs through effective allocation of trading sites; providing education and training on business skills and legal rights to provide women with knowledge on how they can run their business and protect themselves from risks; assessing viable means of micro-financial support to women entrepreneurs and other areas so as to make them participate in economy creation for their betterment and the betterment of the country; and GELD should extend its services to women throughout the country as most of the women in Tanzania are faced with similar problems.
The benefits of corporate social responsibility on firm’s performance: The case of CRDB Bank Morogoro
(Mzumbe university, 2016) John, Joseph
Debates continue to temper between scholars who contend that corporate social responsibility has benefits on the firm and those who argue that it has no any benefits on the firm. Therefore, this report aims at examining the benefits that firms receive from Corporate Social Responsibility (CSR) initiatives which influences the performance of the firms by taking Cooperate Rural Development Bank (CRDB bank in Morogoro Tanzania as a case. The research design was a case study in nature. Data was collected from 100 people including employees and customers within the CRDB Bank in Morogoro Municipal. The report employed questionnaires, interviews and documentary reviews as the main tools for data collection. Various data analysis techniques such as frequency analysis, percentages, figures and descriptive analysis were used to analyze the data. Grounded on the replies and analysis, the results show that the corporate social responsibility (CSR) is an invisible hand that is used by the firms to create and maximize the shareholders’ wealth. The findings show that company engaging in corporate social responsibility (CSR) initiatives reaps innumerable benefits including improving organization image and identity, increasing competitive advantage and enhancing employees’ morale. Furthermore, the findings reveal that the practice of CSR enhances customer trust and loyalty, improves investors’ trust and open new market opportunities. Interestingly, the findings show that corporate social responsibilities do influence the performance of the firm. The constraints that limit the CSR program were found to be inadequate budget, lack of community awareness, globalization, overwhelming poverty and rapid population growth. From the results it was concluded that CRDB Bank received many benefits from CSR initiatives but the stakeholders were not aware with those benefits because there were no disclosure reports to the stakeholders. Hence this report recommends for the bank and other firms engaging in CSR to disclose their CSR reports to the stakeholders; as well as to embed it in corporate culture.
Contribution of micro-finance institutions to the growth of small and medium enterprises in municipalities: A case of Bukoba municipal council
(Mzumbe University, 2013) Kige, Marco
Small and medium sized enterprises in both developing and developed countries play important roles in the process of industrialization and economic growth. A crucial element in the development of the SME sector is access to finance, particularly to bank financing. Microfinance Institutions emerged to serve the financial needs of un-served or underserved group of people in the community such as SMEs.Though there are many studies which have tried to link MFIs and SMEs,yet there are no enough studies showing MFIs‟ role to support SMEs and extend it to living standard of those who run the SMEs The objective of the study was to evaluate the contribution of Micro-finance Institutions to the growth of small and medium enterprises in Bukoba Municipality. Specifically the study aimed at examining the extent to which SMEs develop measures for the growth in Bukoba Municipality, finding out the extent to which Microfinance Institutions improve business growth and living standard of SMEs owners, analysing on how utilization of the financial services provided by Microfinance Institutions support the improvement of household‟s income. The study evaluated the contribution of Micro-finance Institutions to the growth of small and medium enterprises. The findings have covered respondents profile such as age, education level and experience of small business owners and operators. The findings showed that many of these SMEs at Bukoba developed important measures for growth such as business registration, possession of substantial experience in business. However, the study revealed that these SMEs have big weaknesses in other measures such as the size of loans taken being small, lack of entrepreneurship skills, and the fact that many SMEs do not attend SMEs‟ forums. The findings revealed that there is lack of technical support to SMEs from MFIs, and at the same time SMEs are viewed as organisations which have low credibility by MFIs. The study revealed that it is not easy for SMEs to obtain loans from MFIs, some of the obstacles being high interest rate and collateral security. The current study has further identified the contribution of MFIs to the growth of SMEs in Bukoba municipality is not as expected, the support is a little bit impressive and still a lot have to be done to address problems and constraints such as lack of technical support from MFIs and limited access to loans. The study ended up with important recommendations to various stakeholders.
Contribution of training and technical assistance provided by SIDO to the performance of SMEs in Arusha Region
(Mzumbe University, 2016) Daines, Ernest
Business skills training and technical assistance to SMEs are determinant factors towards the growth of enterprises. In Tanzania, there are enterprises that still register poor performance in terms of growth, profitability and sustainability despite the fact that various institutions provide the required training and technical assistance to entrepreneurs. To find out whether business skills training and the provision of technical assistance is significantly important towards the growth and development of micro enterprises and to determine what inhibits their performance, this study assessed the contribution of training and technical assistance provided by SIDO to micro entrepreneurs, using SMEs. Specifically, it analysed the skills and benefits obtained as well as business profiles of entrepreneurs who received training and technical assistance, and identified constraints limiting the application of obtained entrepreneurship skills to SMEs. A cross sectional study design was employed in obtaining data collected using key informant through interviews and focussed group discussions. The study involved 90 respondents out of which 73 had received a loan; training as well as technical assistance while 17 had received a loan only. Both descriptive and inferential statistics using the Statistical Package for Social Science (SPSS) were used to analyze data. It was found that most training provided by SIDO were on entrepreneurship, business management and provision of technical assistance on marketing, product labeling, and selection of machine and business advice as a whole. Most beneficiaries of the training and loan were married individuals aged between 40-49 years. Training and technical assistance had positive influence on business performance although it had no significant impact on asset accumulation. The study recommends that micro-entrepreneurs should make use of the skills they obtain from institutions like SIDO and seek for adequate financial support to establish their business and that these various supporting institutions should focus on specific skills development of these SMEs which will certainly increase the performance in business.
Contribution of product differentiation strategy on sales performance in banking industry in Tanzania: Case study of nmb plc Songea
(Mzumbe University, 2013) Ndumbaro, Felista
Banking Industry is the growing Industry in Tanzania which has stiff competition. Telecommunication Industry is also entering the market. For the long run survival of the Banking industry, strategies on how to operate in this dynamic environment are of vital important. Taking the Idea of Michael Porter (who is considered the father of marketing) suggested three generic strategies for a firm to sustain in the competitive environment. Product differentiation strategy is among of the three generic. NMB Plc is practicing Product differentiation strategy despite of all risk associated to it. Risks associated with product differentiation strategy are like imitation of the competitors, change of customer preference and cost. The research is assessing the contribution of Product differentiation strategy on Sales Performance, the Case of NMB Plc. - Songea Branch. The Researcher used sample of 24 out of 30 NMB personnel and 250 out of 2500 NMB customers where by different techniques were employed including questioners, interview and observation. Data were analyzed to find out the relationship between variables (product knowledge, perception, preference and cost of differentiated products) and sales performance to reflect the topic of study and different figures and tables were used for simple understanding of the findings. Findings show that, there is significance relationship between variables (preference, product knowledge perception and cost of differentiating products) to sales performance, hence product differentiation strategy has a positive contribution to sales performance. Some of the recommendation made by the researcher to NMB management, NMB Management must put consideration to network problems, pensioners customers, security to customers’ accounts and consistence is service provision. The researcher went further to call other Researcher to different angles like contribution of specific product to sales performance, the same topic to different areas and research on other Porter’s strategies to different business sectors.
The contribution of procurement audit in enhancing ethical and compliant procurement practices: A case of Sokoine University of Agriculture (SUA)
(Mzumbe University, 2013) Mwarizo, Halima O.
This study and therefore the dissertation were aimed at assessing the contribution of procurement audit in enhancing ethical and compliant procurement practices. The study was a case in which the focus of assessment has been the Sokoine University of Agriculture (SUA) whereas the framework for assessment was the procurement processes management spectrum. The specific objective of this particular study was hinged on assessing the level and extent of compliance with the procurement legislation, assessing the level and extent of the procurement audit in enabling SUA adhere and abide to the best procurement practices, and assessing the level and extent of the procurement audit in enabling SUA to obtain value for money (VFM). The study focussed on the activities of procurement audit in the procurement and supply chain management spectrum of the procuring entity (PE) that is SUA in particular. The methods of data collection envisioned and used were interviews, questionnaires, participant’s own observations and documentary reviews. The study basically consider procurement practice before and after the introduction of procurement audit, and from the data collected it was observed that despite the efforts which have been provided by procurement audit in enhancing ethical and compliant procurement practises the University is still facing some challenges. It was observed that procurement officials have not been accountable enough in dealing with suppliers thus causing late payment of debts and even suppliers forced to inflate the price to cover the delays. Formation of PMU was observed to be against the Act and most of procurements done were not in the APP. It was further observed that some procurements done lack detailed specification from users thus causing deliveries not meeting the intended purpose.

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