Institute of Development Studies

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Use of chicken manure extract for biostimulation and enhancement of perchlorate rhizodegradation in soil and water media
(Taylor & Francis Online, 2007) Mwegoha, William J. S.; Mbuya, Odemari S.; Jai, Amita; Ugochukwu, Ngozi H.; Abazinge, Michael D.
The influence of biostimulation using dissolved organic carbon (DOC) on rhizodegradation of perchlorate and plant uptake was studied under greenhouse conditions using soil and hydroponic bioreactors. One set of bioreactors planted with willow (Salix babylonica) plants was spiked with 300 mg L−1 DOC in the form of chicken manure extract, whereas a second set was not treated with DOC. A similar experiment without willow plants was run in parallel to the planted bioreactors. The planted soil bioreactors amended with DOC reduced perchlorate from 65.85 to 2.67 mg L−1 in 21 days for humic soil (95.95% removal) and from 68.99 to 0.06 mg L− 1 for sandy loam (99.91% removal) in 11 days. Nonplanted DOC treated soil bioreactors achieved complete perchlorate removal in 6 and 8 days for humic and sandy loam, respectively. Both planted and nonplanted soil bioreactors without DOC removed > 95% perchlorate within 8 days. Planted soil bioreactors respiked with perchlorate reduced perchlorate to nondetectable levels in 6 days. Hydroponics experiment amended with DOC reduced perchlorate from approximately 100 mg L− 1 to nondetectable levels within 7 to 9 days. Hydroponic bioreactors without DOC had low perchlorate removal rates, achieving 30% removal in 42 days. Leaf samples from sandy loam soil bioreactors without DOC had four times perchlorate phytoaccumulation than the DOC-treated plants. Similar results were obtained with the nonplanted bioreactors. Persistence of perchlorate in solution of planted hydroponic bioreactors without DOC amendment suggested that natural DOC from the plant exudates was not enough to biostimulate perchlorate reducing microbes. The hydroponic bioreactor study provided evidence that DOC is a limiting factor in the rhizodegradation of perchlorate.
The use of phytoremediation technology for abatement soil and groundwater pollution in Tanzania: opportunities and challenges
(Journal of Sustainable Development in Africa, 2008) Mwegoha, William J. S.
Contamination of soil and groundwater from anthropogenic sources is a major concern in many developing countries including Tanzania. Improper handling of Municipal Solid Wastes (MSW) in many urban centers in Tanzania has often resulted into gas emissions and generation of leachate, which pose threat to the environment. Additionally, the use of pesticides for agricultural purposes is on the increase because of the need to improve crop production and control of pests, weed infestation and insect outbreaks. As a consequence, pesticide use has caused adverse contamination in soils and waters. The potentially negative impacts of these pesticide stocks on humans and the environment are of major concern. To make the situation more challenging, the country has experienced a substantially fast growth of the mining sector in many parts of the country over the past ten years, which has resulted in reported soil and water pollution from acid mine drainage with elevated concentrations of heavy metals. It is estimated that more than 30% of the Tanzanians depend on groundwater as their source of water. Most of the conventional methods for environmental remediation of these sites are expensive and often poorly implemented or not implemented at all. Thus, there is a clear need to develop new cost effective and environmentally friendly clean-up methods to remediate the contaminated areas in Tanzania. Phytoremediation is a relatively new and promising technology that uses plants to degrade, stabilize, metabolize or sequester potentially toxic compounds from the environment. This paper is aimed at assessing the potential of phytoremediation as a low-cost alternative, but which has yet to be studied and used in Tanzania.
Heavy metals accumulation in vegetables grown along the Msimbazi River in Dar es Salaam, Tanzania
(African Journals Online (AJOL), 2010) Kihampa, C; Mwegoha, William J. S.
Concentrations of cadmium, copper, chromium and lead was determined in four different edible vegetables namely Amaranthus blitum, A. gangeticus, Ipomea batata and Cucurbita maxima grown at four different sites along the contaminated Msimbazi River, Dar es Salaam, Tanzania. Analyses of these heavy metals were conducted using Atomic Absorption Spectrophotometry. Results obtained indicate that the concentrations of heavy metals range from below detection limit to 0.53, 0.14 to 29.08, 0.76 to 17.69, and below detection limit to 39.69 mg/100 g for cadmium, chromium, copper and lead, respectively. With exception to Ipomea batata, other vegetables contained at least two types of heavy metals with high concentrations beyond the permissible values recommended by FAO and WHO for human consumption. Concentrations of cadmium were within the acceptable limits for human consumption in all the vegetables investigated. This work, thus, seeks to provide information on levels of toxic heavy metals in leaves of edible vegetables irrigated with water contaminated by industrial and other anthropogenic effluents, and grown in contaminated soils along the Msimbazi River. The information can be used for monitoring processes to prevent excessive build-up in the food chain.
Heavy metals concentrations in vegetables grown in the vicinity of the closed dumpsite
(International Journal of Environmental Sciences, 2011) Kihampa, Charles; Mwegoha, William J. S.; Shemdoe, Riziki S.
Levels of heavy metals cadmium, lead, chromium, zinc and copper in five different edible vegetables, Amaranthus blitum, Vigna unguiculata, Ipomea batata, Solanum nigrum and Cucurbita maxima grown along the slopes of the closed dumpsite were determined using atomic absorption spectrophotometry. The extraction of heavy metals from the vegetables was done by dry ashing methods and data were analysed using Statistical Programme for Social Sciences (SPSS) and Excel computer packages. Results obtained for five heavy metals in vegetables ranged between 0.28 and 1.50 mg/kg dw for cadmium; 0.49 and 20.65 mg/kg dw for lead; 1.15 and 29.39 mg/kg dw for chromium; 18.61 and 122.88 mg/kg dw for zinc and 3.96 and 22.47 mg/kg dw for copper. The levels of Zn, Cr, Pb and Cd were above the permissible levels of heavy metals in food as per FAO/WHO guidelines and Tanzania Bureau of Standards (TBS) standards. This implies that vegetables grown along the closed Mtoni dumpsite are not suitable for human consumption. This study highlights the potential risks involved in the cultivation and consumption of vegetables on plots along the dumpsites and irrigated with water contaminated with leachates effluents, a practice which may place at risk the health of the urban population who consume these vegetables.
An assessment of high human population density and its impacts on land resources in Moshi district council, Tanzania
(Mzumbe Unversity, 2013) Alphonce, Emmanuel
This study attempted to assess the impacts of high human population density on land resources in Moshi District Council. Generally, other studies show that, developing countries experiencing the high demographic pressures while land resource to support the growth is fixed or limited and the mechanisms to adapt to, grow very slowly. Specifically, there is an extremely high human population density in areas around Kilimanjaro, especially in the Moshi District Council. This leads to land shortage that would be useful for agricultural production and infrastructure development, poor settlement planning, land use conflicts, land degradation, and serious environmental implications that can be linked to the increase of poverty level including lack of employment to the youth. This study used a case study design and sampling techniques based on purposive/non probability sampling and simple random sampling/probability sampling, while the sample size of a hundred respondents that was taken, was based on Nassiuma’s formula. The type and source of data were entirely on primary and secondary sources related to the study topic studied. The methods of data collection based on, written questionnaires/structured interview for key informants and field respondents, field observation of human settlement arrangement and cultivation areas. The documentary technique based on, written sources/secondary sources i.e. related reports, population census, books, and internet. Finally, the data were analysed and presented with descriptive statistics such as percentage, frequency, graphs and tables. This was done by using the Statistic Package for Social Science (SPSS) version 16. Microsoft Excel was used to produce charts and graphs and Microsoft Word was used in compiling and writing up the reports.
An assessment of beach management units in combating illegal fishing in Lake Victoria, Tanzania: A case of Bukoba district
(Mzumbe University, 2013) Kashililika, Edwin W.
The study is about An Assessment of the Beach Management Units in combating illegal fishing with specific reference to Bukoba District. The aim of the study was to identify factors leading to ineffective performance of Beach Management Units in combating illegal fishing in Lake Victoria, Tanzania. Ninety six (96) respondents were interviewed using structured questionnaires also information collected from a fishery officials at District and Regional level by focused group discussion. Descriptive data were analyzed by the descriptive analysis method and SPSS 20 version and presented in frequencies. The findings revealed that the performance of the BMUs is poor because of, lack of boats for patrol (fishery patrol vessel), lack of source of revenue, difficult to get information about illegal fishing, BMUs leaders were found to be part of illegal fishing, also intimidation to BMUs’ leaders by big fishers who practiced illegal fishing and lastly voluntarism nature of work demoralizes the BMUs leaders to concentrate in combating illegal fishing. Given the above mentioned reasons fueling illegal fishing, this study recommends local and Central Government to support the BMUs to improve its performance to achieve the sustainable and equitable exploitation of fishery resources. The basic support recommended include: Adequate funds to support their operations including the purchase of the fishery patrol vessel, awareness raising/sensitization to local authorities and community living along Lake Victoria shores on the importance of these Community-Based Organizations in combating illegal fishing, the impact of illegal fishing and how to provide information to the BMUs leadership about illegal fishing
The contribution of world vision on poverty alleviation through agricultural interventions- in Tanzania: A case of Kinampanda area development programme-Iramba Singida
(Mzumbe University, 2013) Mwendi, Romwald Daniel
The study was conducted in Kinampanda division in Iramba, Singida. The main purpose of this study was to assess the contribution of world vision on poverty alleviation through agricultural intervention. Specifically, the study aimed to examine agricultural activities supported by Kinampanda ADP at household level, assess the accessibility of agricultural interventions supported by Kinampanda ADP to households, investigate the implementation of agriculture intervention by Kinampanda ADP to households, and explore the household expenditure and savings of profit gained from agricultural intervention. In examining agricultural activities supported by Kinampanda ADP at household level, the study findings show that Kinampanda ADP supported households with agricultural trainings, provision of improved farming input and implements and linking them with credit societies. On assessing the accessibility of agriculture intervention supported by Kinampanda ADP to households, the findings revealed that Kinampanda is working best with farming groups and support them in terms of cost sharing. On investigating the implementation of agriculture intervention by Kinampanda ADP to households, the study revealed that, there was increase of cultivated acres, crops productivity and surplus as compared to the time before and after the intervention. Lastly, on exploring the house hold expenditure and savings of profit gained from agricultural interventions, the study revealed that, small household farmers increased their income, own valuable assets, being able to pay for basic needs as well as ability to pay for education and health services. Conclusion, the study revealed that, Kinampanda agricultural interventions have resulted to poverty alleviation as compared to situation before the interventions. The study recommend that Government together with Kinampanda ADP to continue linking small farmers with credit societies to get loans for better operation of their agricultural activities.
Participation of local government authorities and the performance of integrated water resources management in Tanzania: A case study of Little Ruaha River, Iringa district
(Mzumbe University, 2013) Muginya, David M.
The intent of the study was to assess the participation of LGAs and the performance of integrated water resources management a case study of Little Ruaha River Iringa District. The study used a cross-sectional design to achieve its objectives. A sample size of 100 respondents was drawn using purposive sampling technique. Data collection techniques were questionnaires, in –depth interview, observation, focus group discussion [FDG] and documentary review. Quantitative data were analyzed by using statistical package for social sciences [SPSS]. For qualitative data content analysis was used to analyse the data. The findings were presented in tables, charts and figures to ease interpretations. The study revealed that participation of LGAs in IWRM has been enhanced through establishment of District facilitation teams, water user associations in form of irrigators associations and community owned water supply organizations and village environmental committees. Further the findings indicated that local government authorities are involved in water resources management through various activities which include formation of water user associations, formation of water and environment committees, formulation of environmental and water sources protection bylaws and preparation of land use plans. The study findings also show that there is a good relationship between local government authorities and Basin water authorities. However, findings from the study revealed that local government authorities face a number of problems in managing water resources which include lack of funds, poor irrigation infrastructure, population increase, climate change. Moreover, findings from the study indicated that local government authorities are able to influence the performance of integrated water resources management in their areas of jurisdiction. The study recommendations include: increasing technical capacity by employing more extension officers at the ward and village level, allocating sufficient resources for construction and improving irrigation infrastructures, enforcement of water and environmental conservation by-laws developed by local government authorities.
Community participation in solid waste management in Kigoma Urban: A case study of Kigoma Ujiji Municipality
(Mzumbe Univesity, 2013) Luvakule, Deogratius Gaston
Land use conflicts and livelihoods of smallholder farmers in Ulanga district
(Mzumbe Univesity, 2013) Maks, Deogratias Clemence
Land is increasingly becoming a source of conflicts in Tanzania and Africa at large, where land access had traditionally been characterized as relatively unrestricted. The main objective of the study was to examine how smallholder farmers’ livelihoods are affected by land use conflicts. Subsequently, there were four specific objectives, to examine land administration system in Tanzania, especially land registration processes on how it affects rural smallholder farmers, to examine the state of land ownership in Ulanga district, to examine the causes for land use conflicts in Ulanga district and to examine the weaknesses of legal institutions for the persistence of the land use conflicts at Ulanga district. Primary data were collected from 120 smallholding farmers from 3 wards 2 villages from each ward. The study findings show that land administration system in Tanzania affects land registration process especially in rural areas due to the fact that most of the rural people failed to afford expenses. Also study findings reveal that most of the rural small farmers possess land through inheritance and customary rights. Moreover findings show that some of the underlying factors for land conflict are like, lack of clear demarcations, lack of land title deed, population pressure and agricultural commercialization. It seems that in Tanzania formal institutions for land administration are often simply superimposed on traditional structures without a clear delineation of responsibilities and competencies, implying that they lack both outreach and social legitimacy. It is thus concluded that land issue has a strong touch on a wide range of issues in different thematic areas. It is a cross cutting issue and touches all aspects of social, economic and political activities in rural areas. Therefore land use conflicts may affect the all sectors and live hoods of the natives of a specific area and Tanzania in general. It is recommended that there is a need of having strong legal management machinery which dealing with land management in the country. Also raising awareness on land rights is a crucial thing in land ownership. Furthermore the least there is a need to encourage land registration to the rural people. This service should be allocated in rural areas where most land conflicts occur.
Challenges of micro-finance institutions towards women empowerment in Kilimanjaro Region Tanzania: A case study of Moshi municipality
(Mzumbe University, 2013) Kyara, Stella E.
The study identified the challenges that micro-finance institutions face in the process of empowering women in Moshi Municipality. The specific objectives of the study are; exploring the causes for challenges of micro-finance institutions, assessing the strength and opportunities found in Moshi Municipality for women empowerment, and lastly suggesting possible solutions to alleviate challenges that face micro-finance institutions in Moshi Municipality. The study adopted a case study design. Random sampling and purposive sampling were used to a total number of 70 respondents who were customers and staffs of micro-finance, and Municipal officials who were dealing with microfinance. Data collection for this study employed different methods such as questionnaires, interviews, observation and focused group discussion. With respect to the objectives the findings revealed several challenges, causes of the challenges and pointed strength and opportunities found in Moshi municipality which are; poor repayment, politics, delay of funds, bureaucracy, corruption, unfaithful staffs, and unfaithful customers. Causes for the challenges are poor management in the organizations, economic depression, and inflation. And lastly strengths and opportunities to empower women in Moshi Municipality pointed out are; availability of financial institutions, availability of funds, the area being in town where business can possibly flow due to the availability of good infrastructures, and availability of entrepreneurship education to the customers that gives them a wide knowledge of operating business and skills to manage funds they raise. Basing on the findings it was recommended that, there should be multiple ways to help in alleviating the experienced challenges which includes, design of suggestion box, trainings should be conducted for capacity building to customers, there should be a visit to customers' business for evaluation to see if they meet standards that can help them lend more money, lastly, financial management education should be provided to SACCOS board members and there should be more cooperative officers to support organizations in training, auditing and advise to the existing SACCOS.
Challenges of micro-finance institutions towards women empowerment in Kilimanjaro Region Tanzania: A case study of Moshi municipality
(Mzumbe University, 2013) Kyara, Stella E.
The study identified the challenges that micro-finance institutions faces in the process of empowering women in Moshi Municipality. The specific objectives of the study are; exploring the causes for challenges of micro-finance institutions, assessing the strength and opportunities found in Moshi Municipality for women empowerment, and lastly suggesting possible solutions to alleviate challenges that face micro-finance institutions in Moshi Municipality. The study adopted a case study design. Random sampling and purposive sampling were used to a total number of 70 respondents who were customers and staffs of micro-finance, and Municipal officials who were dealing with microfinance. Data collection for this study employed different methods such as questionnaires, interviews, observation and focused group discussion. With respect to the objectives the findings revealed several challenges, causes of the challenges and pointed strength and opportunities found in Moshi municipality which are; poor repayment, politics, delay of funds, bureaucracy, corruption, unfaithful staffs, and unfaithful customers. Causes for the challenges are poor management in the organizations, economic depression, and inflation. And lastly strengths and opportunities to empower women in Moshi Municipality pointed out are; availability of financial institutions, availability of funds, the area being in town where business can possibily flow due to the availability of good infrastructures, and availability of entrepreneurship education to the customers that gives them a wide knowledge of operating business and skills to manage funds they raise. Basing on the findings it was recommended that, there should be multiple ways to help in alleviating the experienced challenges which includes, design of suggestion box, trainings should be conducted for capacity building to customers, there should be a visit to customers' business for evaluation to see if they meet standards that can help them lend more money, lastly, financial management education should be provided to SACCOS board members and there should be more cooperative officers to support organizations in training, auditing and advise to the existing SACCOS
The performance of youth development fund (YDF) in youth development in Tanzania: The case of Kahama district
(Mzumbe University, 2013) Mussa, Elisha
This study aimed at examining the performance of Youth Development Fund (YDF) in promoting youth development in Tanzania using Kahama District as a case study. Specifically, the study focused at, youth access to YDF and their involvement in development activities; the performance of various YDF beneficiaries’ projects; factors influencing performance of YDF related projects; and stakeholders’ views on improvement of YDF programme and beneficiaries’ development activities. The study adopted a case study design, targeting the youths between 18 and 35 years as beneficiaries of YDF and or entrepreneurs in Kahama District. A sample size of 70 respondents was drawn using purposive and random sampling techniques. Questionnaires, interviews, focus group discussion and observation methods were used to collect primary data while documentary review method was used to collect secondary data. Data collected were analyzed using the Statistical Package for Social Sciences (SPSS) and Excel software and presented in tables, figures and texts. The study revealed that although awareness was high (77%), youths access to YDF was low amounting to 718 (0.3%) youths out of 268,103. About 24 (80%) beneficiaries requested the loan to develop existing business rather than create new IGAs, hence YDF slightly promoted youth involvement. None of the beneficiaries shifted into advanced business compared to 7 (23%) non-beneficiaries. YDF beneficiaries employed fewer (44) youths compared to 66 by non-beneficiaries. Only 2 beneficiaries out of 30 have moved from lower annual income level (100,000 – 1,000,000/=) after receiving the loan compared to 12 non-beneficiaries. Besides, 14 (47%) beneficiaries failed to repay the loan. 22 (73%) YDF beneficiaries received less than 50% of the requested loan amount while 22 (67%) non-beneficiaries received 100%. Insufficient funds, deficient entrepreneurship training, and delayed loans were among the factors limiting business performance. Study recommendations include: increasing the budget for YDF programme, timely loan disbursement, intensive entrepreneurship training, involving the private sector, creation of enabling environment and proper targeting of beneficiaries.
Assessment of performance of vocational training centres on youth unemployment reduction: A case of Mkokotoni vocational training centre in north A district, Zanzibar
(Mzumbe University, 2013) Juma, Juma N.
Youth unemployment is a serious problem facing developed and developing countries since the early 2000s, and it has huge impact in socio-economic context. It was therefore important to deploy initiatives in order to overcome or reduce the consequences of this problem. Vocational training was thought to be the best option to counteract the problem. This study assessed the performance of VTCs on youth unemployment reduction in Zanzibar where four main aspects involved which were: courses offered in VTCs, students’ enrolment trend, extent to which VTCs reduced unemployment, and challenges which faced VTCs. The study used exploratory research design and involved 140 respondents to assess performance through administration of a questionnaire, interviews, focused group discussions, observation and documentary review. The findings revealed that a total of eleven courses offered and the Majority of respondents joined in courses which depended on being employed or had low employment possibilities. Also, students’ enrolment was still very low (below 1 percent). It was found that only 28 percent of trainees had employment while 72 percent had no employment, and the main employer was hotel industries which employed 55 percent of trainees while 45 percent were self- employed. In addition, there was inadequate training materials by 74 percent and shortage of materials and equipments for field and practical sessions by 55 percent. To a large extent, performance of VTCs was affected by different challenges such as lack of areas for field practices (27 percent), and poor coordination (14 percent) which limit performance of VTCs towards well qualified and competent trainees delivery. It therefore concluded that VTCs’ performance on youth unemployment reduction is still not satisfactory. The study therefore recommended measures to improve VTCs’ performance in employment creation such as: the Government should collaborate with the private sector, ensure accessibility of VTCs in tourism areas and review of VTCs’ curriculum to suit with the current situation of labour market.
The effects of informal settlements on environmental management in Temeke Municipality
(Mzumbe University, 2013) Mwamhanga, Evaristo B.
This study examined the effects of informal settlements on environmental management. Specifically, it aimed at identification of the socioeconomic effects of informal settlements on environmental management, examination of community role in environmental management in informal settlements and determination on the strategies that will improve environmental management in the study area. The study was conducted in Temeke Municipality and Keko ward in particular. Primary data were collected through structured questionnaires while secondary data were collected through interview. The study involved 102 respondents in which 95 were household respondents and 7 were key informants. Data collected were subjected to the Statistical Package for Social Science (SPSS), multiple response and Chi-square for analysis. The study findings revealed that, socioeconomic effects of informal settlements have contributed negatively to environmental management. It was found that community role was ineffective to manage environments in informal settlements. It was further disclosed that environmental education, provision of environmental infrastructure and implementation of bylaws were found to be appropriate strategies for better environmental management in Temeke Municipality. Based on the study findings, it is concluded that, the Temeke Municipality Council should prepare an effective municipal environmental policy to address environmental problems occurring in informal settlements. Strategies such as provision of environmental education, public and private sector partnership creation of dumping sites and adequate supply of facilities for environmental management through clearly organized programmes, plans and projects should be used to improve the sustainability of environmental resources at the household, Streets and Ward with an emphasis of reversing the negative effect of informal settlements on environmental resources. Finally, areas including environmental education and community participation in environmental management were suggested for further studies.
Ethical consideration and accounting system: A case of Tanzania standard (newspapers) limited
(2013) Amani, Leah
The study was to evaluate ethical consideration and accounting system in Tanzania Standard (Newspapers) Limited located in Dar es Salaam city center where 60 respondents participated in the research. The specific objectives were to investigate the context of ethical consideration and accounting system within TSN; to analyze how the accounting ethics improve accountability, transparency and objectivity; and to explain how public accountability and ethical standards in public government to ensure efficiency and cost-effectiveness. Case study design, qualitative and quantitative approaches were employed during the study. Data collection methods employed included interviews, observations and documentary analysis which was facilitated by research instruments such interview questions, observation and documentary review guides. Content analysis method was used to analyze data and analyzed data is presented in this thesis based on research questions and objectives. Findings indicated are to analyze the ethical consideration and accounting system in a public sector needed by TSN employees. The researcher recommends that professionalism should be impacted in the organization whereby the company ethics and accounting system should be implemented in order for them to produced and delivered in the right time; quality, quantity, place and source taking into account the technological environment over which are indicators of good performance for the organization in researched.
Performance evaluation of microfinance institutions on poverty reduction: A case study of Rombo district Tanzania
(Mzumbe University, 2013) Kimaro William, J.
The study assessed the performance evaluation of microfinance institutions on poverty reduction of Rombo district in Kilimanjaro region. This study was guided by the following research objectives which were; to identify the lending system used by different MFIs to their members in the study area; assess the performance of MFIs, identify constraints facing microfinance institutions in the study area and recommend strategies to improve the performance, and to assess whether the customers reached by these schemes have improved their general performance in terms of economic growth, creation of employment and generation of income. Purposive sampling was used to select 60 active members as the sample who was seriously involved in SACCOS activities. Data collection for this study employed different methods which were used to collect data such as structured questionnaire, interview and focus group discussion. The findings revealed that SACCOS were performing according to the intended goals of serving poor rural community. Active poor rural community has been using these SACCOS as a source of credit to finance their business. However SACCOS are facing some problems including lack of entrepreneurial education to its members, financial institutions to offer loans to SACCOS, inadequate qualified staff to run the institutions, low participation of members to access loans from their SACCOS due to low knowledge of using the opportunities available and low women participation. Moreover SACCOS are facing other constraints like poor infrastructure, low capacity of SACCOS to serve its members, lack of MFIS in rural areas and inadequate entrepreneurial skills among the members and poor record and book-keeping skill. The recommendations made by this study were that other microfinance institutions be motivated to invest in the Rombo district to increase micro-loans disbursement to cooperative based MFIs (SACCOS) and that microfinance institutions through well established SACCOS should train leaders and non leader members on proper record keeping and financial management:
An assessment of high human population density and its impacts on land resources in Moshi district council, Tanzania
(Mzumbe University, 2013) Alphonce, Emmanuel
This study attempted to assess the impacts of high human population density on land resources in Moshi District Council. Generally, other studies show that, developing countries experiencing the high demographic pressures while land resource to support the growth is fixed or limited and the mechanisms to adapt to, grow very slowly. Specifically, there is an extremely high human population density in areas around Kilimanjaro, especially in the Moshi District Council. This leads to land shortage that would be useful for agricultural production and infrastructure development, poor settlement planning, land use conflicts, land degradation, and serious environmental implications that can be linked to the increase of poverty level including lack of employment to the youth. This study used a case study design and sampling techniques based on purposive/non probability sampling and simple random sampling/probability sampling, while the sample size of a hundred respondents that was taken, was based on Nassiuma’s formula. The type and source of data were entirely on primary and secondary sources related to the study topic studied. The methods of data collection based on, written questionnaires/structured interview for key informants and field respondents, field observation of human settlement arrangement and cultivation areas. The documentary technique based on, written sources/secondary sources i.e. related reports, population census, books, and internet. Finally, the data were analysed and presented with descriptive statistics such as percentage, frequency, graphs and tables. This was done by using the Statistic Package for Social Science (SPSS) version 16. Microsoft Excel was used to produce charts and graphs and Microsoft Word was used in compiling and writing up the reports.
Assessment of money laundering prevalence in commercial banks of Tanzania: A case study of ten commercial banks operating in Tanzania
(Mzumbe Unversity, 2013) Mduda, Maria
The main objective of this study was to assess the prevalence of money laundering in commercial banks operating in the United Republic of Tanzania. Both purposive and simple sampling methods were used to select 10 out of 45 commercial banks operating in the United Republic of Tanzania specifically Dar es Salaam due to time and financial constraints. Both secondary and primary methods for collecting data were used. Semi-structured in-depth interview questions were employed as the main instrument for collecting primary data and the collected data were analyzed. The findings indicated that 100% of the respondents from all commercial banks have knowledge and are aware of money laundering. Most commercial banks have taken several measures to mitigate the effects imposed by money laundering such as conducting money laundering awareness training programs, complying and cooperating with BOT and other international anti money laundering policies, and strengthening know your customer controls (KYC). Furthermore efforts made by the government have helped commercial banks fight money laundering by Creating awareness, and reducing the risk of operations. The researcher recommends that the government has to educate its citizens on money laundering and commercial banks need to conduct ongoing money laundering training programs to their staff and customers. Commercial banks should also ensure that there are internal procedures, policies and audit functions to test the system and ensure adequate compliance. Also the study found that good governance is an important tool for successful fight against money laundering and terrorists financing. And the government has to support the regulatory agencies for money laundering in implementing the Money laundering Act of 2007 as amended in 2012 by providing it with the advanced information technology systems and equipments, sufficient investigative, competent and committed professionals reduce corruption and bring transparency and regulatory agency shouldn’t be politically interfered by the government
Social insecurity and vulnerability of the elderly to poverty: A case study of Morogoro municipality
(Mzumbe University, 2013) Mathias, Sidina
Social insecurity and vulnerability of elderly are among problems that are still facing the elderly in Tanzania. This study was designed to assess how the elderly access social services, establish the magnitude and identify factors which contribute to increased social insecurity and vulnerability as well as assessing existence and adequacy of institutional support to these elderly in Morogoro Municipality. The study employed a cross-sectional study design which involved visiting and interviewing 96 elderly people from four wards namely, Chamwino, Mwembesongo, Kichangani and Boma. It was observed that the majority of male elderly were married (76.7%) while the majority of female elderly were widows (66.0%). It was also found that more than 90% of elderly persons interviewed were not employed. Fifty nine percent lived below poverty line. The majority (67.7%) of respondents were supported by their children and relatives while few reported to depend on crop farming (40.6%) or business (21.9%) for livelihood. Access to food and balanced diet was a big problem and approximately 40% reported to skip a lunch every day. The major complaints of the elderly on health services included lack of diagnostic facilities, unavailability of medicine and specialized clinics for the elderly diseases. A big number of elderly was suffering from chronic diseases (69.8%) and supporting other vulnerable groups such as orphans (53%). However, the support of government and private institutions for elderly was limited. It is concluded that the majority of elderly people in Morogoro Municipality are poor and consequently they are socially insecure and vulnerable. It is recommended that the Government should support them through provision of universal pension to all the elderly above 60 years to improve their social security. The formulation of laws and regulations to guide the implementation of the national ageing policy is pertinent.