8 research outputs found
Evaluation of individual level access to formal financial services: a case study of Morogoro region Tanzania
No full textDissertationThis study was conducted to evaluate individual level access to formal financial
services in Tanzania. The study entailed surveys conducted in three districts of
Morogoro Region. Namely, Morogoro Municipality, Morogoro Rural and Kilosa.
Specifically the study had four objectives which were (a) to describe the general
issues as to why access to formal financial services is important to economic
development and social perspectives.(b) to
establish the proportion of adult
population which have access to various types of formal financial services, (c) to
identify socio economic factors that influence the access to formal financial services
in the research area(d) to suggest the possible interventions for improvement of
access to formal financial services. The study is based on 120 respondents.
Multistage random sampling was employed to select interviewees in the study area.
The data were coded and analyzed with the aid of Statistical Package for Social
Sciences (SPSS) computer software. Data analysis entailed a number of descriptive
statistics including frequencies, cross tabulations and Chi- square tests. A binary logit
regression model, which tested the effects or influence of socio economic factors on
access to formal financial services, was used. Results showed that socio economic
factors such as age, income, education, occupation and distance to formal financial
institutions affect the access and use of formal financial services (P< 0.05). The study
has also revealed that savings services are popular therefore used by the majority of
adult population, followed by transaction services, credit, then insurance services. In
addition, the study found that cost of services, ignorance, low income were among
the reasons mentioned by the respondents as hindering access to formal financial
services in the research area. Based on the study findings, the study recommendsiii
effective linkages between financial institutions in order to increase the proportion of
people with financial access, capacity building to financial institutions, improving
infrastructure, improving condition and quality of financial services and to offer
finance education to the people.Higher Education Students Loan Board (HESLB
Evaluation of individual level access to formal financial services: a case study of Morogoro region Tanzania
No full textDissertationThis study was conducted to evaluate individual level access to formal financial
services in Tanzania. The study entailed surveys conducted in three districts of
Morogoro Region. Namely, Morogoro Municipality, Morogoro Rural and Kilosa.
Specifically the study had four objectives which were (a) to describe the general
issues as to why access to formal financial services is important to economic
development and social perspectives.(b) to
establish the proportion of adult
population which have access to various types of formal financial services, (c) to
identify socio economic factors that influence the access to formal financial services
in the research area(d) to suggest the possible interventions for improvement of
access to formal financial services. The study is based on 120 respondents.
Multistage random sampling was employed to select interviewees in the study area.
The data were coded and analyzed with the aid of Statistical Package for Social
Sciences (SPSS) computer software. Data analysis entailed a number of descriptive
statistics including frequencies, cross tabulations and Chi- square tests. A binary logit
regression model, which tested the effects or influence of socio economic factors on
access to formal financial services, was used. Results showed that socio economic
factors such as age, income, education, occupation and distance to formal financial
institutions affect the access and use of formal financial services (P< 0.05). The study
has also revealed that savings services are popular therefore used by the majority of
adult population, followed by transaction services, credit, then insurance services. In
addition, the study found that cost of services, ignorance, low income were among
the reasons mentioned by the respondents as hindering access to formal financial
services in the research area. Based on the study findings, the study recommendsiii
effective linkages between financial institutions in order to increase the proportion of
people with financial access, capacity building to financial institutions, improving
infrastructure, improving condition and quality of financial services and to offer
finance education to the people.Higher Education Students Loan Board (HESLB
Determinants of the probability of obtaining formal financial services in Tanzania
No full textJournal articleTanzania is among the poorest countries in the world. Like many other developing countries, the individual households’
access to formal financial services is very limited. The government has adopted series of economic reform measures since
mid-1980s that include financial liberalization. The present study analyzed the determinants of individual access to formal
financial services for livelihood sustainability in Tanzania. Data for the study were collected from various sources – both
primary and secondary. Primary data were collected from the three districts whereby two wards were selected from each
district. Secondary information was gathered from documentary sources as in the form of reports, records and review of
literature. Results show that education, income and distance to formal financial service were significant and positive
correlated to access of formal financial institutions in Tanzania as far as sustainable development is concerned. The study
recommended the government and other stakeholders including individuals to provide education both formal and informal,
improve the individuals’ income security through investing (micro enterprises) and opening more formal financial services
nearby the community in order to enhance sustainable development
Determinants of the probability of obtaining formal financial services in Tanzania
No full textJournal articleTanzania is among the poorest countries in the world. Like many other developing countries, the individual households’
access to formal financial services is very limited. The government has adopted series of economic reform measures since
mid-1980s that include financial liberalization. The present study analyzed the determinants of individual access to formal
financial services for livelihood sustainability in Tanzania. Data for the study were collected from various sources – both
primary and secondary. Primary data were collected from the three districts whereby two wards were selected from each
district. Secondary information was gathered from documentary sources as in the form of reports, records and review of
literature. Results show that education, income and distance to formal financial service were significant and positive
correlated to access of formal financial institutions in Tanzania as far as sustainable development is concerned. The study
recommended the government and other stakeholders including individuals to provide education both formal and informal,
improve the individuals’ income security through investing (micro enterprises) and opening more formal financial services
nearby the community in order to enhance sustainable development
The influence of geographical concentration of firms on performance of small agro food processing enterprises in Tanzania
No full textJournal articleGeographical concentration/clustering of firms are important in growth of small agro processing firms, having
prominent impact in the subsector. Using descriptive statistics, gross sales per worker measured in normal and
seasonal monthly output production. This paper assesses the performance of small agro food processing firms by
comparing the performance of 31 geographically concentrated firms and 31 dispersed firms using three empirical
considerations namely: output per worker, enterprise employment intake (EEI) and average sales per worker
were used to analyze the difference in performance of agro food processing enterprises located in clustered/
geographically concentrated relative to others located elsewhere enterprise employment intake (EEI). Survival
costs were used to determine sunk costs which are the difference between survival costs and total costs of
successful design. Remarkably the results showed that there are differences in mean output per works in both
normal and seasonal production. In seasonal production the difference in mean output per worker between firms
in clustered and non-clustered firms were significant (p value = 0.0510) compared to normal production with (p
value = 0.000). This shows that there is slight significant difference between clustered and non-clustered firms
respectively. The results further show that enterprise employment intake vary in the sub sector vary between
districts. The survival costs between clustered and non-clustered. Firms show that the cost of staying in the
market by sampled agro processing firms is very high because the total value of products in the market is very
low. The paper concludes that cluster initiatives with specialization improve the performance of small firms
Assessing impact of climate change on maize production in Tanzania: Inter-regional analysis
No full textClimate change is one of the major contributors to reduced agricultural production globally, and particularly in Africa, where the majority of households rely on rain-fed agriculture. Variability in rainfall, rising temperatures, and increasing atmospheric carbon dioxide levels put crops at risk. Guided by Nerlove’s agricultural supply-response theory, the study conceptualized maize production as mainly influenced by climatic factors, with rainfall and temperature treated as external factors that shift the maize supply curve. A quantitative longitudinal design was adopted to assess the impact of climate change on maize production in Tanzania, with emphasis on Kongwa, Kilosa, and Mufindi. Secondary time series (1990–2020) data on annual rainfall, temperature, maize production, and cultivated area under maize were collected from the Tanzania Meteorological Authority, the National Bureau of Statistics, and the Food and Agriculture Organization for quantitative analysis using the Autoregressive Distributed Lag Error Correction Model (ARDL-ECM). The model results show that maize production is strongly affected by rainfall in the short run, with significant effects in Kongwa (0.0029; p < 0.001), Kilosa (0.0010; p = 0.012), and Mufindi (0.0010; p < 0.001). Although the short-run rainfall effects suggest an immediate, but not lasting, impact on maize production, the long-run rainfall effects were insignificant across districts. In Mufindi, temperature had a significant impact on maize production in the short and long run (–0.0311; p < 0.001), indicating that warming reduces production in cooler highlands. The error-correction terms (ECT) were significant across districts: Kongwa (–0.9946; p < 0.001), Kilosa (–0.9855; p = 0.003), and Mufindi (–0.3563; p = 0.027), implying that production adjusts to climatic shocks over time. An increasingly cultivated area under maize enhances resilience, but it is still climate-constrained. Rainfall variability affects Kongwa and Kilosa, which are resilient owing to a milder climate, and Mufindi, which is vulnerable to temperature stress. The study suggests agricultural crop insurance, climate-resilient infrastructure and technology, improved irrigation in Kongwa, better water management in Kilosa, and heat-tolerant varieties in Mufindi as key interventions to meet these challenges and support food security across Tanzania’s agroecologies.NAN
Factors influencing farmers’ decision on the choice of maize seed varieties in Kilosa and Mvomero districts, Morogoro,Tanzania
No full textJournal ArticleA study was conducted with a sample size of 208 farmers to assess the factors influencing
their choice of maize seed varieties in the Kilosa and Mvomero districts of the Morogoro region in
Tanzania. The researchers utilised a binary logistic regression model for the analysis. The results
indicated that farmers' decisions were significantly influenced by the expected yield (p = 0.012) and
were marginally influenced by household size (p = 0.061). The study underscored the need for
policymakers to prioritise creating networks that connect farmers to agricultural experts and
extension services as well as addressing barriers to accessibility, such as affordability and availability
of certified maize seeds. The stakeholders, including government and non-governmental
organisations, can design targeted strategies that enhance seed adoption. Comprehensive agricultural
policies that incorporate these insights can lay the base for a more resilient and prosperous
agricultural sector in the region. The study showcases the important role of training and education in
empowering farmers to make informed decisions regarding maize seed selection. The study also points
to the importance of community engagement in the dissemination of information about new seed
varieties and agricultural practices. Establishing farmer groups or cooperatives can create platforms
for knowledge sharing, enabling farmers to learn from each other’s experiences and successes. This
collective approach not only strengthens the farmers' capacity to adapt to changing agricultural
challenges but also fosters a sense of community and shared purpose
Factors influencing farmers’ decision on the choice of maize seed varieties in Kilosa and Mvomero districts, Morogoro,Tanzania
No full textJournal ArticleA study was conducted with a sample size of 208 farmers to assess the factors influencing
their choice of maize seed varieties in the Kilosa and Mvomero districts of the Morogoro region in
Tanzania. The researchers utilised a binary logistic regression model for the analysis. The results
indicated that farmers' decisions were significantly influenced by the expected yield (p = 0.012) and
were marginally influenced by household size (p = 0.061). The study underscored the need for
policymakers to prioritise creating networks that connect farmers to agricultural experts and
extension services as well as addressing barriers to accessibility, such as affordability and availability
of certified maize seeds. The stakeholders, including government and non-governmental
organisations, can design targeted strategies that enhance seed adoption. Comprehensive agricultural
policies that incorporate these insights can lay the base for a more resilient and prosperous
agricultural sector in the region. The study showcases the important role of training and education in
empowering farmers to make informed decisions regarding maize seed selection. The study also points
to the importance of community engagement in the dissemination of information about new seed
varieties and agricultural practices. Establishing farmer groups or cooperatives can create platforms
for knowledge sharing, enabling farmers to learn from each other’s experiences and successes. This
collective approach not only strengthens the farmers' capacity to adapt to changing agricultural
challenges but also fosters a sense of community and shared purpose
