Dissertations (Masters)-SOB

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    Factors influencing procurement procedure in Tanzania prisons service
    (2013) Lidenge,Amina Juma
    The main objective of the study was to find out factors that are influencing Procurement Procedures in Tanzania Prisons Service. the study were guided by four specific objective, To examine selection procedures used by TPS when selecting Suppliers, to examine how contracts are being given to suppliers by TPS, to determine the receiving procedures use by TPS when procuring goods and services and to analyse ethical conducts followed by the TPS in procuring goods and services. Literature suggests that procurement efficiency and procurement effectiveness of the purchasing function are measures of procurement performance. A case study was developed and administered to a TPS with a view to establish the factors that influence procurement procedures. Both methods, qualitative and quantitative analysis were used in data analysis. Research findings were obtained by using the following methods; Documentations, Interview, observation and questionnaires. The presentation of data has been illustrated in terms of tables, figures, charts, percentages and frequencies. The presentation of the Research findings was carried out according to each research question by pinpointing different issues which support or ignore each research question. The study constituted 50 respondents who responded on questionnaires and interview. The study further revealed that lack of transparency and accountability affects procurement process at TPS to a great extent. This has been much affected right from the process of effective tendering through advertising, sourcing reviews, prequalification, potential for cost savings and greater awareness of new development. Furthermore the findings also revealed that for TPS to provide excellent service to their suppliers in an effective and transparent manner is also still inadequate. Adequate controls should be put in place reducing opportunities for corruption. Performance incentives need to be offered to employees to reward good performance. This will help to increase accountability. The researcher really hopes that output of this study shall be of practical use to Tanzania prisons services.
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    The effects of customer service on organizational performance: A case of KBC Bank Morogoro Municipality
    (Mzumbe University, 2015) Kihombo, Dafrosa B
    Customers today are highly informed and more demanding. Service quality, service speed and responsiveness to customers‘ needs and wants have become important for firms to succeed. This calls for the improvement of sales and employee growth that can enhance organizational growth status. Despite all these initiatives, customer services in most of the commercial banks have not improved to expected levels particularly in KCB Bank Morogoro branch. The general objective of this study is to assess the effects of customer service on organisational performance with reference to KCB Bank, Morogoro branch. Case study research design was utilized in the methodology. A sample size of 60 respondents including employees and customers was used in the study. Data collected were analysed and processed through descriptive analysis. The findings show that respondents argued that customer service provision has contributed to the reduction of public relations costs from the fact that the organisation introduced customer complaint register (written complaints) that is used by customers to table the complaint whenever services provided become dubious. Likewise, respondents reported the available mechanisms and strategies used by KCB Bank that included establishing and enhancing control mechanisms, and provision of information to esteemed customers for the purpose of enhancing performance while attracting more customers. Furthermore, the majority of respondents agreed that the extent to which customer service mechanisms and strategies implementation at KCB Bank can be termed as very good. This has been so from the fact that many of the employees perceived the strategies as a tool to raise their customers‘ satisfaction and organisational performance. It is concluded that employees trained for enhancing customer services need to utilize well their knowledge and skills to attain work performance something that is interpreted by those provided with the services as very good, but requiring some improvements because of some reasons to fulfill their obligations for the enhancement of services.
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    Effectiveness of risk management process in investment decision making; A case of Parastatal Pension Fund (PPF) head quarters
    (Mzumbe University, 2014) Rutainulwa, Jonnes Rweyunga
    The main objective of the study was to identify the effectiveness of risk management process in investment decision making. The study looked on four major processes of risk management that is identification of factors that favour the occurrence of risk in the pension business settings, identification of key methods used to manage the risk faced by pension funds and to determine the effectiveness of risk control methods on investment decision making. The research activity used the case study design because the research was conducted for the purpose of acquiring data in detail about the topic on question. The research study used both secondary and primary data. Methods of data collection included questionnaires, interviews and observation. The data analysis method employed for the research is descriptive in nature. The findings discussed and explained on the factors that four occurrence in pension funds business setting, key methods used to address the risks favour risk occurrence in pension funds and the effectiveness of risk controls on the investment decision making. The study recommends that further research for comparative purposes for enhancing collective efforts, determination of controls and their applicability and the policies guiding the investment in pension Funds to improve performance of pension funds in Tanzania. The sample of this study was found to be forty six (46) respondents from different directorates and units as follows. Procurement unit seven (7), Directorate of Internal audit eight (8), directorate of risk management six (6), Directorate of planning and investments ten(10) and directorate of operations five (5
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    Factors influencing clients’ satisfaction with HIV/AIDS care services in public and private health facilities in Mwanza Region
    (Mzumbe University, 2015) Ringo, Mosses
    Patient satisfaction is a key criterion by which the quality of health care services is evaluated. Patient perceptions of quality are often influenced by their interaction with the health provider. However, patient satisfaction in health services seems to have been largely ignored by health care providers in developing countries. Thus, the main objective of this study was to assess clients’ perception towards HIV/AIDS services offered in selected facilities in Mwanza region. A cross sectional study was carried out in three out of seven districts found in Mwanza region namely Nyamagana, Misungwi, and Kwimba in Mwanza region which have at least one government and private hospital which provide HIV/AIDS care services where 374 clients were interviewed. Government hospitals that were included were Nyamagana, Misungwi and Ngudu hospitals in Nyamagana, Misungwi and Kwimba districts respectively. For private hospitals: Hindu, Bukumbi and Sumve Hospitals for Nyamagana, Misungwi and Kwimba respectively were included. The findings showed that in the public health facilities all respondents (100%) were overall satisfied while in the private facility, about 1.7% was not satisfied. Main reason for dissatisfaction was drug shortage. In general, the clients identified problems in both health facilities for different aspects of care, especially in the areas of tangibles, which focused on up-to-date equipment, visually appealing facilities, well dressed employees and facilities matching the services they provide, which got the worst rating
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    Assessment of the effectiveness of implementation of Open Performance Review and Appraisal System in improving employees’ performance in public service organizations in Tanzania: The case of Iramba District council
    (Mzumbe University, 2013) Abdallah, Musa
    The study was about assessment of the effectiveness of implementation of open performance review and appraisal system in improving employees‟ performance in public service organizations in Tanzania. Iramba District Council in Singida being the case of the study. The unit of inquiry involved employees of the council which included top management, middle and lower cadre employees. The study sample size was 85 employees out of 285, employees who were obtained through simple random and sampling techniques. The study sample frame was council‟s employees register. Data collection involved the following tools; questionnaires, interviews and observations. Interviews were conducted to collect data from heads of departments while questionnaires and observation were for the employees other than the heads of departments. Data were process and organized in tables and charts, thereafter analyzed using statistical package for social science (SPSS) research Findings show that, the supervisor and the subordinate meet to set and agree on the targets in which the employee‟s performance will be assessed. However supervisors do not give feedback to subordinates, therefore employees may not know where they stand in terms of performance. The study reveals that the majority of respondents have a negative attitude towards the performance appraisal while few disagree. Iramba District Council (IDC) should work on these negative perceptions so as to develop the necessary attitude on employees to the performance appraisal by planning to train its management staff, officers and supporting staff and ensure continuous training. Also, the study sought to ascertain whether the OPRAS at IDC is effective in improving employee‟s performance. The study reveals that that majority of respondents see OPRAS as a useful tool for improving organizations‟ performance but some individuals see the process of filling OPRAS as wastage of time. Therefore, to make performance appraisal effective and improve employees‟ performance, IDC should make proper application of a system so that it really serve as a tool of improving individual and organization performance.
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    Service quality and customer satisfaction in transport service industry in Tanzania : A case of Dar Express Bus Company
    (Mzumbe University, 2013) Mushi, Onael Walter
    Road passenger transport is now recognized as one of the most important means of facilitating movement of people and parcels in the country. Moreover, people are now depending much on road transport due to the poor condition of other inland transport systems notably railways. The important role played by this mode of transport is due to its flexibility, accessibility and affordability to most of the Tanzanian citizens. Under the ERP and IRP reforms, there has been a dominant role played by the private sector in providing passenger road transport services in the country. This was a major shift from past practices whereby government parastatals provided these services. Improvements in road infrastructure, deregulation of tariffs, removal of restrictions in the importation of motor vehicles and the elimination of entry barriers have provided an incentive for private sector involvement in the transport market. However, this has increased the level of competition to transport operators and hence reduced earnings. But on the other side of the coin, there arise a challenge among them to seek and improve other dimensions pertaining quality of the transport service they are providing in order to win the customers. The general objective of the study was to assess the influence of service quality on customer satisfaction in transport service industry in Tanzania focusing on passengers’ transport, taking the Dar Express Bus Service as a case study and methods used in collecting required information for the study were questionnaires, interview and observation. The data were analyzed using descriptive, correlation and regression analyses The findings indicates that passengers are satisfied with the transport services provided with Dar Express Bus Company Limited; Responsiveness, assurance and tangibles dimensions proved to have significant effect on passenger satisfaction. In other words these three dimensions were found to be good predictors of customer satisfaction. The way company handling passengers’ problems including how they give personal attention to them, Visual appealing facilities and willingness to help passengers are the areas that need to be improved. Moreover, the user – friendly printed materials such as timetables, posters and brochures, electronic media such as company website and email should be established.
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    Assessing the effect of outsourcing of revenue collection on organizational performance: A case of Mpanda District Council
    (Mzumbe University, 2013) Muhula, Flavian Mkombozi
    This study aimed to assess the effect of outsourcing of revenue collection on organizational performance. Specific objectives of the study were; to identify sources of revenue which are being outsourced and whole process of outsourcing to identify the benefits of outsourcing revenue collection; identify the challenges accompanied by outsourcing and to assess the effect of outsourcing on organizational performance. Data were collected from 60 respondents who were selected using purposeful sampling and simple random sampling. The research utilized both primary and secondary data. Method of data collection were questionnaire, interview and documentary records. The findings of this study show that outsourcing has led to improve organizational performance through increased revenue collection and reduction in operating cost, although they have not attained the best performance. Findings of this research revealed that revenue sources which are outsourced to revenue collectors are; agricultural products, fishing products, livestock auction, hotel levy and market fees. It was futher revealed that some revenue collectors do not comply to terms and condition of the contract. Recommendations for Mpanda district council are, to collect more realistic information from wards and division, increase supervision to revenue collectors by visiting them reqularly and open a communication channel from top management to bottom with revenue collectors.
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    An assessment of the contribution of customer relationship management on bank performance the case of people’s Bank of Zanzibar limited
    (Mzumbe University, 2014) Abdalla, Zainab.S
    Customers are the focal point in the development of successful marketing strategy. Marketing strategies both influence and are influenced by consumers’ affect and cognition, behaviour and environment. In the banking field a unique ‘Relationship’ exists between the customers and the bank. But because of various reasons and apprehensions like financial burdens, risk of failure, marketing inertia etc., many banks are still following the traditional ways of marketing and only few banks are making attempts to adapt CRM. It is with this background, the researcher has made a modest attempt towards the idea that CRM can be adapted uniformly in the banking industry for betterment of Banking Services. The general objective of this study is to assess the contribution of customer relationship management on PBZ performance and specific objectives are to determine if the CRM has any impact on customer loyalty, to find out the extent in which the service provided leads to customer satisfaction in PBZ and to offer pertinent suggestions based on the findings. The study covers the sample of 45 respondents who were the customers of PBZ and 5 officers from the banks including the IT manager, the customer service department, the marketing manager and accountant. The primary and secondary data were collected and analysed using a statistical package for social science (SPSS) and presented in tabular form, chart and graph. The major results showed that there is direct positive relationship between the quality of service offered and customer satisfaction and there is direct positive relationship between CRM programmes of PBZ on customer’s loyalty. The study also showed that there is a significant improvement in bank performance and it was recommended that organizations should understand that CRM is an inevitable tool of marketing that can be considered as Critical Responsibility of Market with regard to Banks in present context. Keywords: Customer Relationship Management, customer loyalty, performance and customer satisfaction.
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    Comparative analysis of profitability of thinned and unthinned commercial forest plantations with and without carbon revenues the case of plantations under green resources LTD and Saohil forest plantations in Mufindi District
    (Mzumbe University, 2013) Hosea Elia
    This dissertation was to provide in depth comparative analysis of profitability of thinned and unthinned commercial forest plantation with and without carbon revenue. The study was conducted for Plantations under Green Resources Ltd and Sao Hill Forest Plantations in Mufindi District. The main objective of this study was to compare the profitability of thinned and unthinned commercial forest plantations with and without carbon sequestration. The study was conducted in two phases; the first phase was a time and work study on thinning operations. The second phase, involved enumeration of thinned and unthinned compartments. Systematic random sampling was used and the plots were distributed systematically throughout the planted area in order to achieve representation of different species, age classes and sites in the forest. The plots were geo referenced using a GPS. Plots were circular with an area of 0.04ha and a radius of 11.28 m. Data were collected by using direct observation, survey, enumeration methods and records of previous years. The study revealed that, there is significant difference on average stem diameter on thinned and unthinned forest plantation both for GRL and Sao hill forests. Furthermore the study revealed that, it is more profitable to invest in thinned forest plantations when combining sawn timber and carbon revenue. Moreover the study revealed that, the trees with ages between 11 to 14 years for Green Resources and Sao hill forest plantations attain high AEV with and without carbon revenue (CR). A plantation with CR has high AEV compared to a plantation without CR. Also between the ages of 11 - 14 years, the forest plantation attain the highest NPV/ha and AEV/ha before and after the last thinning at age 13. Our study tested different thinning methods and the results revealed that, thinning by using a chainsaw significantly reduced cost, time and increased productivity when operating on a large scale and when manpower is inadequate to cover all the operations in managing the forest. It is therefore recommended that, forest plantations owners thin all their forest plantations and forest plantations owners should ensure timely and proper silvicultural treatment in order to ensure high performance of the plantations. Furthermore, it is recommended that, for the sites like Idete that did not show a promising volume, thinning intensity should change and extend the rotation age from 20 to 25 to ensure better gain in ix volume and tree diameters. From supply chain matrix, it is recommended that, plantations should be thinned by using chainsaw as it significantly reduces cost, time and increases productivity when operating on a large scale and when manpower is inadequate to cover all the operations in managing the forest. Lastly, I recommend that, forest plantations should also engage in carbon business because it gives high AEV, Net Revenue and NPV compared to the plantations which are not engaged in carbon business.
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    Socio-economic factors affecting smallholder sunflower production in Mvomero District, Morogoro Region
    (Mzumbe University, 2013) Tuntufye, Godfrey
    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.
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    Technical efficiency of small-scale maize production in Karagwe District
    (Mzumbe University, 2016) Kaijage, Alistakius M.
    The measurement of efficiency in agricultural production determines the efficiency level of households in their farming activities. This will also determine whether small-scale farmers make use of all the available potentials in their agricultural activities or not. This study measured technical efficiency (TE) of maize production and identified some determinants of technical inefficiency for the specified variables. The objective of the study was to determine the level of technical efficiency of smallscale maize producers and to identify the socio-economic features that influence technical efficiency among maize farmers. Questionnaire, interview and focus group discussion were used to collect primary data from 120 small-scale farmers. Cobb- Douglas production function was used to determine the level of technical efficiency and Logistic regression model was used to analyse the variables that have influence the technical efficiency of maize production. Cobb-Douglas results reveal that small-scale farmers in Karagwe District are experiencing technical inefficiency in maize production due to the decreasing return to scale, which means they are overutilizing factors of production. Logistic regression results indicate that out of eight (7) variables included in the analysis as socio-economic factors, five variables that are purchase of hybrid seeds, farmers‟ organization membership, farming experience, Extension officers and climatic trend were found to be significant and three variables (3) that are land size, Fertilizer application, and labour system are non-significant. The calculated technical efficiency was 62% meaning that there is still an opportunity to expand maize production using the current level of inputs and the technologies available in the area. Therefore this study propose that, since maize production is capital intensive and that most farmers are poor and would not manage to self-finance their agricultural activities, then the government should do the on-farm training since farmers mainly depend on trial and error and farmers` should have access to enough and proper use of farm inputs, provision of better extension programs, and farm management trainings that will improve technical efficiency.
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    Factors influencing consumers’ adoption of mobile commerce in Tanzania: A case of Ilala district in Dar es salaam region in Tanzania.
    (Mzumbe University, 2017) Msonge, Hima .E.
    The purpose of this study was to analyze factors influencing consumers‟ adoption of mobile commerce in Tanzania, a case of Ilala district in Dar es Salaam region. The specific objectives were to determine the relationship between Demographic variables and consumers‟ adoption of mobile commerce in Tanzania. Determine the relationship between Perceive Ease of Use of m-commerce and consumers‟ adoption of m-commerce in Tanzania, determine the relationship between Perceive Behavioral Control of m-commerce and consumers‟ adoption of m-commerce in Tanzania; determine the relationship between Perceive Trust of m-commerce and consumers‟ adoption of m-commerce in Tanzania and determine the relationship between Perceive Usefulness of m-commerce and consumers‟ adoption of m-commerce in Tanzania The study used a cross sectional research design with a sample of 132 respondents who were randomly and purposively selected from a population. A structured close ended questionnaire was used. The collected data were analyzed by logit regression as to determine the relationship between variables and also reliability test was tested to analyze the reliability of the variables The study identified that, perceived behavioral control and Demographic variables such as age, gender, and marital status were statistically insignificant and negatively influence consumers‟ intention to adopt M-commerce. Perceived ease of use, perceived usefulness, perceived trust were statistically significant and positively influencing consumers‟ intention to adopt mobile commerce, while perceived cost was statistically significant with a negative influence towards consumers‟ intention to adopt M-commerce. The result of this study will guide companies and individuals that offer M-commerce related products in the selection of digital products and in achievement of future commercial opportunities Mobile operators such as Tigo, Airtel, Vodacom, Zantel, Sasatel, Halotel and TTCL companies should create a high internet Speed so as to eliminate the problem of internet when using mobile commerce, also they must provide convenience and puts these operators at the speedy Wi-Fi and 4G connections.
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    Community participation in Tasaf funded sub- projects: A case of Babati town council
    (Mzumbe University, 2013) Mselle, Lazaro
    The study on community participation in TASAF funded sub- projects was conducted at Babati town council whereby 44 respondents participated. The general objective of the study was to assess the extent of community participation in implementation of TASAF funded sub projects and specific objectives were:- to determine approaches used by the council to involve the community in undertaking development projects, to establish the contributions of the community in the development projects, to determine the factors making the community not to be active in development projects, to identify accountability of funds collected from the community for development projects and to examine the initiatives of town council in improving community participation in the construction of secondary school teachers houses in TASAF funded sub projects. Two villages were selected namely, Kiongozi and Halla. Primary data were obtained through interviews and focus group discussion during the field survey and secondary data were collected from TASAF documents and reports, guidelines, memorandum of understanding, operational manual, journals and books. The study found that the council uses participatory approaches in involving the community. However, the community does not participate effectively as it was expected. It was further found that the community contributes less in development projects. Moreover, it was found that poverty, lack of sensitization, lack of transparency, corruption, fraud and ignorance make the community not to be active in development projects. The study concludes poor community participation was mainly due to low income, several projects being implemented at once, lack of transparency, economic hardship and poor leadership. The study recommends that local authority should effectively involve the community in all planning process. Furthermore, the study recommends that the community should elect leaders who are transparent and committed.
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    Factors influencing smes’ challenges: A case of Mwanza city
    (Mzumbe University, 2013) Waryoba, Mazaba S.
    This study seeks to analyze the factors that influence the challenges of Small Medium Enterprises (SMEs) specifically in Mwanza city. Specific research objectives were; to assess the challenges encountered by SMEs in Mwanza city, to identify the causes of these challenges, and to propose remedial actions given the causes of these challenges. The study applied a case study design whereby Mwanza city was a case study and conducted in Mwanza. The population of the study was SMEs clients of Mwanza city. The study involved a sample of 40 respondents. The researcher used judgmental selection in a non-probability method. Data were collected from respondents by means of forty structured questionnaires (twenty for successful firms and twenty for unsuccessful firms) consisting of 20 questions. Twenty four of the questionnaires were returned of which fifteen were from successful firms and nine from unsuccessful firms. The sample was drawn from a list of all the SME owners in Mwanza city. Through an analysis of theoretical information and empirical results it is possible to establish how to facilitate more innovative and effective development that is much needed in developing countries, such as Tanzania. Findings of the study indicate that there is a problem of business failure in Mwanza city. Although business owners of successful and unsuccessful businesses recognize the support from the government, most unsuccessful business owners feel that the lack of proper governmental assistance is still one of the most critical factors that led to failure. Finally the major recommendation of the study highlights the issue that the government should come up with strategic measures (such as business incubators) that will prolong the survival of SMEs.
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    Impact of government spending on the development of government primary schools physical infrastructure: The case study of Morogoro Municipal council
    (Mzumbe University, 2013) Kiwia, Alvin Faustin
    This study was set out to determine the impact of government spending on development of Government primary schools physical infrastructures. Specifically, the research was undertaken to find out the attitude of stakeholders towards Government spending in primary education, to determine the level of Government funding for physical infrastructure, to know how the funds for physical infrastructure are managed by a relevant authority and to determine the level of development of primary schools physical infrastructure in terms of quality and capacity. The study adopted case study design and cross-sectional data collected from 68 randomly selected respondents from 34 schools located in Morogoro Municipal Council to obtain relevant data for the survey. Data were collected through administered questionnaires and key informant interview. SPSS program was used for analysing quantitative data; whereby descriptive statistics and multiple regression analysis were carried out. The results of the study show that, to a certain extent there is a slightly positive impact of government spending in primary school physical infrastructure since respondents mentioned some achievements obtained from government fund. The actual amount of money reaching schools for capitation grants is clearly much less today compared to increase in enrolments of pupils. . In overall, the level of development of primary school physical infrastructures is not adequate enough; the numbers of classrooms, latrines and staff houses constructed in the surveyed schools are too small compared to the actual demands. Based on these findings, it is recommended that the budget be increased. The funding should also be based on actual requirements of schools. The full amount of capitation grants stipulated in the policy should reach schools in a predictable and timely manner. Governments and stakeholders in educational sector should seek for the improvement of physical structures and facilities by providing more essential ones and repairing the damaged ones through educational subsidies to aid teaching/learning in pre-schools
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    A nalysis of consumer choice based attributes of rice in the market: A case of Morogoro Urban market
    (Mzumbe University, 2017) Lauwo, Godfrey Ephraim
    In a globalized markets were most individuals are employed and level of income is high due to rapid growth of industrialization and urbanization food market are more complex and competitive where consumer have more power to demand for specific attributes in terms of health, safety and quality of the food. The major challenge is to produce appropriate and affordable rice which suits the preference of its people. The main aim of the study was to analyze factors influencing consumer choice on rice product attributes in Morogoro urban. Also the specific objectives are to describe rice consumers socio-economic characteristics, to identify important attributes considered by consumer and to determine the factors influencing perception of decision to purchase rice in the study area. Primary data was collected from three urban markets of Mawenzi, Mwembesongo and Boma in Morogoro municipal and a cross -sectional study design was applied due to limited resources. A sample of 120 consumers and retailers residing from three wards of Morogoro Municipal were randomly selected. Also 6 individuals were purposively selected for key informant interview who were used for obtaining information about rice market in the study area. Data analysis was conducted by using Statistical package for social science (SPSS) and Stata software using factor analysis and multinomial logit regression. The results from the study obtained from factor analysis model showed that aroma, taste and cohesion loads higher in component one and grain and texture loads higher in component two as these are the main attributes which consumer considers when purchasing rice product in the market. Also results of marginal effect obtained after multinomial logit for Mbeya rice shows that age, income and sex are significant while for rice attributes aroma taste and cohesion are significant. Likewise for Morogoro rice the results shows that sex and age are significant and for rice attributes aroma and taste are significant. Similarly for Shinyanga rice the results revealed that sex and income are significant and for rice attributes grain and cohesion are significant. This will help to increase the supply of rice product and decrease the loss occurred in the rice value chain from the producer to the retailer. It is recommended that, local markets and shops in Morogoro urban should sell rice with better taste since it is highly demanded by most consumers compared to other attributes
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    Determinants of the growth of investment income of pensions fund schemes: The case of lapf in dodoma
    (Mzumbe University, 2014) Eliya, Shola
    This paper examines the determinants of the growth of investment income of pensions fund schemes. Local Authorities Pensions Fund was taken as a case study. Time series data were used and ordinary least square method was used to estimate the model. Results show that; the variables “members’ contributions” and “investment made in fixed deposits” are positively related to the growth of investment income and are statistically significant at one percent level. However, the variable “investment in government securities,” is positively related to the growth of investment income and statistically significant at five percent level. The estimated parameters for investment in government securities is 1234.84 while for members contribution is 0.22 and that of investment made in fixed deposits is 0.12. All these estimated parameters refer to the magnitude of change of investment income when the respective variable changes by one unit. Lastly, it is recommend that, the LAPF pensions fund should maintain the same share of investment in government securities. This is because investment in this area is considered to be the safest. It is also recommended to increase investible funds in fixed deposits because the results showed that the variable is positively related and significant to the growth of investment income. On other side, it is recommended that; more effort should be made to increase membership base of the Fund. This is due to the fact that, the variable “members’ contributions” has shown to affect positively and significantly related to the growth of investment income of LAPF pension fund in Dodoma
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    Assessment of the factors that influence adoption of electronic banking in Tanzania: The case of NMB customers in Morogoro Municipality
    (Mzumbe University, 2013) Milanzi, Castro T.
    The purpose of this study was to assess Factors that influence the adoption of Electronic banking in Tanzania specifically at NMB Bank in Morogoro Municipality. Specifically the study sought to investigate the contribution of education to the adoption of e-banking, to examine the relationship between the income and adoption of e-banking, to assess the relationship between age and adoption of e-banking and to determine the influence of occupation on the adoption of e-banking. The study adopted case study design whereby a sample of 100 respondents was selected from customers and NMB Bank staff in Morogoro Municipality. Purposive and simple random sampling techniques were used in selecting the respondents. Data collection was through questionnaire and interview schedules. Data analysis was done by the use of Statistical Package of Social Science (SPSS) and Excel. Findings of the study indicated that education, income, demographic factors such as age, security, cost, perceived ease of use influenced the adoption of e-banking. The biggest challenges identified were network failure, technical difficulties during transactions among others. In conclusion, this study provides evidence that clearly reflect that customers perceive e-banking in terms of its usefulness, ease of use, trustworthiness, cost effectiveness, reliability, convenient, and accessibility. Electronic banking is seemingly becoming a matter of need and holds the key that will help the banking industry to formulate their marketing strategy as well as continue to compete in the globalized network and gain market competitive advantage in the 21st century. Based on the findings of the study it was strongly recommended that NMB Bank should make sure proper and reliable security is provided to protect e-banking customers, also NMB Bank should improve infrastructure, create a sense of awareness to the customers in order to encourage more customers to adopt e-banking.
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    Workers participation on quality service delivery in government hospitals: A case of Dodoma Regional Referral Hospital
    (Mzumbe University, 2014) Mruma, Leonora R.
    The purpose of this study was to explore the extent to which workers participation influence quality service delivery in different departments or sections of Dodoma regional referral hospital. The study adopted a case study design which enabled the study to triangulate the data and information. In this study, four methods of data collection were used, namely: questionnaires, semi structured interview, focus group discussions and documentary review from a sample of 150 respondents. SPSS from software version 16 was used to analyze data that were collected. The data analysis includes the use of simple description of percentages, tables and graphs. Generally, performance or staff appraisal is the one which determines the level of performance of section or department and eventually the hospital as a whole. As the staff performs well, the whole section performance becomes valid. On participation of workers, the study found that workers’ frequency of involvement was high (42.3%) and they participated in making duty rosters. There is a strong relationship between workers participation and quality service delivery. The more they participate the more quality service delivery becomes. The study also revealed that several strategies were used by the management to improve quality service delivery such as team spirit, availability of quality working facilities, good and conducive working environment. The study recommends that DRRH should strive to maintain the high standard it has in order to keep patients satisfied with the services they receive; should encourage the staff to treat patients with courtesy and respect in line with the health sector reforms and patient centered quality assurance; and should review the working arrangements and procedures at different service delivery stations in order to improve efficiency, minimize patient waiting times and provide for patient comfort.
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    An analysis of factors which contribute to loan delinquency among small and 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 installments 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.