The study set out to examine the reasons as to why the itinerant traders of the SME
sector are st... more The study set out to examine the reasons as to why the itinerant traders of the SME sector are still setting up their merchandise along the pavements of buses and streets all over the city, while there are the allocated business center(s) such as the `Machinga’ complex, where they could conduct their activities. It was carried out along a number of specific objectives which included: finding out the factors which made the itinerant traders to set up their merchandise outside the business center(s) location; examining the contribution made by the business center(s) in the SME sector and assessing the role played by the government policies of Tanzania in ensuring the development and sustainability of SME sector and, with regard to the business center(s). The study employed a case study research design which helped in collecting data within the time limit. The results were analyzed using both techniques qualitative and quantitative, which helped in the explanations of responses into frequencies and percentages that were used for comparison of situations. From the findings, it was concluded that poor location/unmarketable allocated business centers, distance and rental charges were found to be the main reasons which influence itinerant traders to conduct their business activities outside allocated business centers. The study also revealed that business centers have less contribution in SME sector in the country. However, the contributions have been shown in terms of safety, security, accessibility and storage. The study findings further observed that, the governments make more efforts to promote the business center(s) to ensure that the SME actors are enticed to set up their merchandise in allocated business center(s). The study recommended that the government should organize seminars and workshops to provide education to itinerants traders on the importance of doing business in allocated areas. There is need to sensitize business center(s) by reviewing administration policies of those areas. There is a need also for government to look again the areas planned to construct business center(s) whether are suitable and marketable as well as providing good infrastructure towards and within those areas. Furthermore, the government and private sector should play a role to reduce the cost of doing business in those allocated areas and in the rest of the country.
The study was carried out to explore the challenges facing groundnut farming in rural areas with ... more The study was carried out to explore the challenges facing groundnut farming in rural areas with evidence from Sejeri in Vilundiro village, Dodoma. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (35 groundnut growers, 5 agricultural officers and 10 groundnut traders) by using semi structured interview and questionnaire. Secondary data were obtained from the farmer’s documentary reports.
For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three specific objectives of the study and it revealed that hoes and spades, hand slashing, farm yard manure, pesticides/fungicides/herbicides, sticks, bush knives, improved seed, and inorganic fertiliser were the most methods/tools used by the groundnut growers in Sejeri while bush clearing, planting and ploughing, crop protection, weeding and harvesting were the main activities involved in groundnut farming process. In addition, majority of respondents were in young age group (18 – 30 and 31 – 40) and on the basis of gender distribution, over 50% of the respondents were male while most of them attended primary education and majority were unmarried/single. It was further revealed that majority of respondents identified inadequate capital for expansion; unstable price of inputs, lack of quality seed, fungal and viral diseases; and insect pests as the major problems affecting their groundnut production.
The study recommended that there should be special loan-schemes that are tailored towards groundnut producers so as to enable them increase its production and afford necessary production inputs, farmers should adopt improved technologies for groundnut production, training programmes should be expanded on groundnut production, breeding efforts should be encouraged to farmers. Beside that, the ‘production to marketing’ chain should be strengthened for better marketing of the groundnut crop and the farmers should be provided with information on climatic conditions. Finally, government should make and implement policy that will enable groundnut farmers to reduce cost of production and maximize profit in short and long term.
CRDB Bank Plc is a wholly-owned private commercial bank in Tanzania. The Bank was established in ... more CRDB Bank Plc is a wholly-owned private commercial bank in Tanzania. The Bank was established in 1996. CRDB Bank offers a comprehensive range of corporate, retail, business, treasury, premier, and microfinance services (www.crdbbank.com). CRDB Bank provides credit services to micro and small enterprise operators or potential operators and, low income people who are capable to work in income generating activities. Micro enterprises are important tools in poverty alleviation through employment creation and income generation for low income groups with limited opportunities. Tanzania being a developing country and most of its people are living in poverty, this bank plays an important role in improving the livelihood of the low income people. This study was conducted with the objective of analysing and identifying the major determinants of loan repayment in commercial banks with evidence from CRDB Bank Plc Moshi Branch. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (40 CRDB clients and 10 CRDB staff members) by using semi structured interview and questionnaire. Researcher also participated in some of the day to day activities of CRDB Bank working with employees and loan beneficiaries as part of data collection process. Moreover secondary data were obtained from the record of CRDB Bank Plc. For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three aspects (economic, social and business situations) and it revealed that age and six business types (petty market, kiosk & shop, services providing, weaving & tailoring, bar & restaurant, and urban agriculture) were important in influencing loan repayment performance of the borrower. In addition, sex and business experience of the CRDB Clients were found to be significant determinants of loan repayment rate. It was further revealed that CRDB Bank Plc has a number of internal and external problems like shortage of loanable funds for further expansion, competition, and improper interference of third party in the decision of loan approval. The researcher also in this study provides policy and general recommendations that should be taken to improve the situation on loan repayment.
The study set out to examine the reasons as to why the itinerant traders of the SME
sector are st... more The study set out to examine the reasons as to why the itinerant traders of the SME sector are still setting up their merchandise along the pavements of buses and streets all over the city, while there are the allocated business center(s) such as the `Machinga’ complex, where they could conduct their activities. It was carried out along a number of specific objectives which included: finding out the factors which made the itinerant traders to set up their merchandise outside the business center(s) location; examining the contribution made by the business center(s) in the SME sector and assessing the role played by the government policies of Tanzania in ensuring the development and sustainability of SME sector and, with regard to the business center(s). The study employed a case study research design which helped in collecting data within the time limit. The results were analyzed using both techniques qualitative and quantitative, which helped in the explanations of responses into frequencies and percentages that were used for comparison of situations. From the findings, it was concluded that poor location/unmarketable allocated business centers, distance and rental charges were found to be the main reasons which influence itinerant traders to conduct their business activities outside allocated business centers. The study also revealed that business centers have less contribution in SME sector in the country. However, the contributions have been shown in terms of safety, security, accessibility and storage. The study findings further observed that, the governments make more efforts to promote the business center(s) to ensure that the SME actors are enticed to set up their merchandise in allocated business center(s). The study recommended that the government should organize seminars and workshops to provide education to itinerants traders on the importance of doing business in allocated areas. There is need to sensitize business center(s) by reviewing administration policies of those areas. There is a need also for government to look again the areas planned to construct business center(s) whether are suitable and marketable as well as providing good infrastructure towards and within those areas. Furthermore, the government and private sector should play a role to reduce the cost of doing business in those allocated areas and in the rest of the country.
The study was carried out to explore the challenges facing groundnut farming in rural areas with ... more The study was carried out to explore the challenges facing groundnut farming in rural areas with evidence from Sejeri in Vilundiro village, Dodoma. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (35 groundnut growers, 5 agricultural officers and 10 groundnut traders) by using semi structured interview and questionnaire. Secondary data were obtained from the farmer’s documentary reports.
For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three specific objectives of the study and it revealed that hoes and spades, hand slashing, farm yard manure, pesticides/fungicides/herbicides, sticks, bush knives, improved seed, and inorganic fertiliser were the most methods/tools used by the groundnut growers in Sejeri while bush clearing, planting and ploughing, crop protection, weeding and harvesting were the main activities involved in groundnut farming process. In addition, majority of respondents were in young age group (18 – 30 and 31 – 40) and on the basis of gender distribution, over 50% of the respondents were male while most of them attended primary education and majority were unmarried/single. It was further revealed that majority of respondents identified inadequate capital for expansion; unstable price of inputs, lack of quality seed, fungal and viral diseases; and insect pests as the major problems affecting their groundnut production.
The study recommended that there should be special loan-schemes that are tailored towards groundnut producers so as to enable them increase its production and afford necessary production inputs, farmers should adopt improved technologies for groundnut production, training programmes should be expanded on groundnut production, breeding efforts should be encouraged to farmers. Beside that, the ‘production to marketing’ chain should be strengthened for better marketing of the groundnut crop and the farmers should be provided with information on climatic conditions. Finally, government should make and implement policy that will enable groundnut farmers to reduce cost of production and maximize profit in short and long term.
CRDB Bank Plc is a wholly-owned private commercial bank in Tanzania. The Bank was established in ... more CRDB Bank Plc is a wholly-owned private commercial bank in Tanzania. The Bank was established in 1996. CRDB Bank offers a comprehensive range of corporate, retail, business, treasury, premier, and microfinance services (www.crdbbank.com). CRDB Bank provides credit services to micro and small enterprise operators or potential operators and, low income people who are capable to work in income generating activities. Micro enterprises are important tools in poverty alleviation through employment creation and income generation for low income groups with limited opportunities. Tanzania being a developing country and most of its people are living in poverty, this bank plays an important role in improving the livelihood of the low income people. This study was conducted with the objective of analysing and identifying the major determinants of loan repayment in commercial banks with evidence from CRDB Bank Plc Moshi Branch. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (40 CRDB clients and 10 CRDB staff members) by using semi structured interview and questionnaire. Researcher also participated in some of the day to day activities of CRDB Bank working with employees and loan beneficiaries as part of data collection process. Moreover secondary data were obtained from the record of CRDB Bank Plc. For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three aspects (economic, social and business situations) and it revealed that age and six business types (petty market, kiosk & shop, services providing, weaving & tailoring, bar & restaurant, and urban agriculture) were important in influencing loan repayment performance of the borrower. In addition, sex and business experience of the CRDB Clients were found to be significant determinants of loan repayment rate. It was further revealed that CRDB Bank Plc has a number of internal and external problems like shortage of loanable funds for further expansion, competition, and improper interference of third party in the decision of loan approval. The researcher also in this study provides policy and general recommendations that should be taken to improve the situation on loan repayment.
Uploads
Papers
sector are still setting up their merchandise along the pavements of buses and streets all
over the city, while there are the allocated business center(s) such as the `Machinga’
complex, where they could conduct their activities. It was carried out along a number of
specific objectives which included: finding out the factors which made the itinerant
traders to set up their merchandise outside the business center(s) location; examining the
contribution made by the business center(s) in the SME sector and assessing the role
played by the government policies of Tanzania in ensuring the development and
sustainability of SME sector and, with regard to the business center(s).
The study employed a case study research design which helped in collecting data within
the time limit. The results were analyzed using both techniques qualitative and
quantitative, which helped in the explanations of responses into frequencies and
percentages that were used for comparison of situations.
From the findings, it was concluded that poor location/unmarketable allocated business
centers, distance and rental charges were found to be the main reasons which influence
itinerant traders to conduct their business activities outside allocated business centers.
The study also revealed that business centers have less contribution in SME sector in the
country. However, the contributions have been shown in terms of safety, security,
accessibility and storage. The study findings further observed that, the governments make more efforts to promote the business center(s) to ensure that the SME actors are
enticed to set up their merchandise in allocated business center(s).
The study recommended that the government should organize seminars and workshops
to provide education to itinerants traders on the importance of doing business in
allocated areas. There is need to sensitize business center(s) by reviewing administration
policies of those areas. There is a need also for government to look again the areas
planned to construct business center(s) whether are suitable and marketable as well as
providing good infrastructure towards and within those areas. Furthermore, the
government and private sector should play a role to reduce the cost of doing business in
those allocated areas and in the rest of the country.
For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three specific objectives of the study and it revealed that hoes and spades, hand slashing, farm yard manure, pesticides/fungicides/herbicides, sticks, bush knives, improved seed, and inorganic fertiliser were the most methods/tools used by the groundnut growers in Sejeri while bush clearing, planting and ploughing, crop protection, weeding and harvesting were the main activities involved in groundnut farming process. In addition, majority of respondents were in young age group (18 – 30 and 31 – 40) and on the basis of gender distribution, over 50% of the respondents were male while most of them attended primary education and majority were unmarried/single. It was further revealed that majority of respondents identified inadequate capital for expansion; unstable price of inputs, lack of quality seed, fungal and viral diseases; and insect pests as the major problems affecting their groundnut production.
The study recommended that there should be special loan-schemes that are tailored towards groundnut producers so as to enable them increase its production and afford necessary production inputs, farmers should adopt improved technologies for groundnut production, training programmes should be expanded on groundnut production, breeding efforts should be encouraged to farmers. Beside that, the ‘production to marketing’ chain should be strengthened for better marketing of the groundnut crop and the farmers should be provided with information on climatic conditions. Finally, government should make and implement policy that will enable groundnut farmers to reduce cost of production and maximize profit in short and long term.
This study was conducted with the objective of analysing and identifying the major determinants of loan repayment in commercial banks with evidence from CRDB Bank Plc Moshi Branch. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (40 CRDB clients and 10 CRDB staff members) by using semi structured interview and questionnaire. Researcher also participated in some of the day to day activities of CRDB Bank working with employees and loan beneficiaries as part of data collection process. Moreover secondary data were obtained from the record of CRDB Bank Plc. For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three aspects (economic, social and business situations) and it revealed that age and six business types (petty market, kiosk & shop, services providing, weaving & tailoring, bar & restaurant, and urban agriculture) were important in influencing loan repayment performance of the borrower. In addition, sex and business experience of the CRDB Clients were found to be significant determinants of loan repayment rate. It was further revealed that CRDB Bank Plc has a number of internal and external problems like shortage of loanable funds for further expansion, competition, and improper interference of third party in the decision of loan approval. The researcher also in this study provides policy and general recommendations that should be taken to improve the situation on loan repayment.
sector are still setting up their merchandise along the pavements of buses and streets all
over the city, while there are the allocated business center(s) such as the `Machinga’
complex, where they could conduct their activities. It was carried out along a number of
specific objectives which included: finding out the factors which made the itinerant
traders to set up their merchandise outside the business center(s) location; examining the
contribution made by the business center(s) in the SME sector and assessing the role
played by the government policies of Tanzania in ensuring the development and
sustainability of SME sector and, with regard to the business center(s).
The study employed a case study research design which helped in collecting data within
the time limit. The results were analyzed using both techniques qualitative and
quantitative, which helped in the explanations of responses into frequencies and
percentages that were used for comparison of situations.
From the findings, it was concluded that poor location/unmarketable allocated business
centers, distance and rental charges were found to be the main reasons which influence
itinerant traders to conduct their business activities outside allocated business centers.
The study also revealed that business centers have less contribution in SME sector in the
country. However, the contributions have been shown in terms of safety, security,
accessibility and storage. The study findings further observed that, the governments make more efforts to promote the business center(s) to ensure that the SME actors are
enticed to set up their merchandise in allocated business center(s).
The study recommended that the government should organize seminars and workshops
to provide education to itinerants traders on the importance of doing business in
allocated areas. There is need to sensitize business center(s) by reviewing administration
policies of those areas. There is a need also for government to look again the areas
planned to construct business center(s) whether are suitable and marketable as well as
providing good infrastructure towards and within those areas. Furthermore, the
government and private sector should play a role to reduce the cost of doing business in
those allocated areas and in the rest of the country.
For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three specific objectives of the study and it revealed that hoes and spades, hand slashing, farm yard manure, pesticides/fungicides/herbicides, sticks, bush knives, improved seed, and inorganic fertiliser were the most methods/tools used by the groundnut growers in Sejeri while bush clearing, planting and ploughing, crop protection, weeding and harvesting were the main activities involved in groundnut farming process. In addition, majority of respondents were in young age group (18 – 30 and 31 – 40) and on the basis of gender distribution, over 50% of the respondents were male while most of them attended primary education and majority were unmarried/single. It was further revealed that majority of respondents identified inadequate capital for expansion; unstable price of inputs, lack of quality seed, fungal and viral diseases; and insect pests as the major problems affecting their groundnut production.
The study recommended that there should be special loan-schemes that are tailored towards groundnut producers so as to enable them increase its production and afford necessary production inputs, farmers should adopt improved technologies for groundnut production, training programmes should be expanded on groundnut production, breeding efforts should be encouraged to farmers. Beside that, the ‘production to marketing’ chain should be strengthened for better marketing of the groundnut crop and the farmers should be provided with information on climatic conditions. Finally, government should make and implement policy that will enable groundnut farmers to reduce cost of production and maximize profit in short and long term.
This study was conducted with the objective of analysing and identifying the major determinants of loan repayment in commercial banks with evidence from CRDB Bank Plc Moshi Branch. In order to achieve this objective, primary data were collected from 50 randomly and purposively selected respondents (40 CRDB clients and 10 CRDB staff members) by using semi structured interview and questionnaire. Researcher also participated in some of the day to day activities of CRDB Bank working with employees and loan beneficiaries as part of data collection process. Moreover secondary data were obtained from the record of CRDB Bank Plc. For the data analysis, both qualitative and quantitative techniques including tables and percentages were used to describe the research findings. The conclusion of this study was based on three aspects (economic, social and business situations) and it revealed that age and six business types (petty market, kiosk & shop, services providing, weaving & tailoring, bar & restaurant, and urban agriculture) were important in influencing loan repayment performance of the borrower. In addition, sex and business experience of the CRDB Clients were found to be significant determinants of loan repayment rate. It was further revealed that CRDB Bank Plc has a number of internal and external problems like shortage of loanable funds for further expansion, competition, and improper interference of third party in the decision of loan approval. The researcher also in this study provides policy and general recommendations that should be taken to improve the situation on loan repayment.