CBE Institutional Repository
This is the one stop center for accessing and sharing a wealth of academic and research resources produced by our member of staff. Our repository is therefore, dedicated to showcasing the exceptional scholarly work produced by our institution's faculty, researchers, and students. Some of the works produced may be:
- Research Papers
- Theses and Dissertations
- Conference Proceedings
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Recent Submissions
An Assessment of Group Lending Challenges Facing Microfinance Institutions in Mwanza, Tanzania
(IJABS, 2024-01-17) Magambo, Evelyne F.
The purpose of this study is to thoroughly evaluate the difficulties Tanzanian microfinance institutions (MFIs) encountered when putting group lending concepts into practice. It specifically aims to pinpoint the main obstacles associated with
trust concerns, group dynamics, operational complexity, and legal limitations. The study uses a mixed-methods research methodology to collect data from borrowers and MFI staff through qualitative interviews and quantitative surveys.
While semi-structured interviews were held with MFIs, surveys were given to clients taking part in group lending programs. For context and historical patterns, secondary data were also gathered from previously published studies, scholarly works, and regulatory papers. According to the study, trust and group dynamics are crucial to the success of group lending initiatives. There are issues with resolving conflicts, free rider issues, uneven participation, and eroding confidence. MFIs emphasized operational problems, such as the difficulty of complying with regulations, technological constraints, and the complexity of handling repayments. Capacity building, technological advancements, regulatory authority collaboration, risk management, and a client-centered approach are among the recommendations. The study admits its shortcomings, including the fact that it only focused on two MFIs in Mwanza and that survey results may have been biased. The results, however, lay the groundwork for future studies on the changing opportunities and difficulties in group lending and give useful insights for practitioners and policymakers in Tanzania's microfinance industry. This study fills a clear vacuum in the literature by offering a comprehensive analysis of the difficulties MFIs in Tanzania encountered when implementing group lending models. The study's uniqueness and practical worth are enhanced by the inclusion of theoretical frameworks, a mixed-methods approach, and practical recommendations. As such, it is a great resource for those involved in the microfinance and financial inclusion scene.
An Empirical Study on the Effects of Managerial Competence on Firm Profitability
(Ilomata International Journal of Tax and Accounting,, 2023-06-07) Mwenda, Beny; Ngollo, Magwana; Mwasota, Amos
Profits are generated by managing assets and using them wisely to create revenues that exceed costs. This study aimed to analyse the effects of managerial competence on firm profitability listed in the Dar es Salaam stock exchange (DSE). The quantitative research design was used to collect, analyse and interpret data in this research while Panel Regression Model was selected to analyse the influence of Managerial competence on profitability of listed firms. POLS technique was used to check robustness and Diagnostic tests were used to meet the criteria of regression analysis. The regression analysis indicate that managerial competence had a significant effect on firm profitability. Raising managerial competence has the potential to significantly increase business profitability, as managers play a key role in an organization's overall functioning. The researchers suggested that shareholders should thoroughly analyse potential managers' competencies and credentials before allocating managerial duties since hiring a competent management team is likely to have a beneficial impact on the firm's profitability. Shareholders should strive to reduce the risk of choosing managers who lack the requisite abilities to maximize the firm's profitability by performing due diligence in the selection process.
Challenges and opportunities of Tanzanian SMEs in adapting supply chain management
(Scientific Research Publishing Inc. (SCIRP), 2011-02-18) Hamisi, Sama.
Around the globe, Small and Medium Enterprises (SMEs) have acquired a significant and pivotal position in the entire economic development process. Over the years, this sector had played a critical role in developing Tanzanian economy through creation of employment opportunities, income generation, equitable distribution of income whence contributing towards poverty alleviation. However, this sector suffers a number of challenges in domestic and global market competition, though, varieties of opportunities in adapting supply chain management exists. In today’s context of fast changing and dynamic economy and dominance of global supply chain systems, the SMEs in Tanzania, besides facing traditional hardships in finance, they misalliance the phenomenon of supply chain management thus fails to find proper place in the domestic and global supply chain leaving TNCs and MNCs to have a greater dominance. As Tanzania’s economic policy is about-turn from socialism and self-reliance towards capitalism, SMEs are strangled in a ‘wait and see’ position as global supply chain bandwagon continue to wheel with supersonic speed leaving them fragmented and wither day after day, without participatory confidence and assistance. A particular concern of this paper is to identify challenges and opportunities for Tanzanian SMEs in adapting supply chain management.
An Empirical Analysis of the Nexus between Foreign Direct Investment and Economic Growth in Tanzania
(B P International, 2023-12-07) Mwakabungu, Benedict H. P.; Kauangal, Jignesh.
This chapter investigates the causal relationship between foreign direct investment (FDI) inflows and economic growth in Tanzania during 1990–2020. Since financial development and trade were not included in extant studies, we introduced the two variables as intermediate variables because of their intermediation role in the relationship between inward FDI and economic growth. We obtained yearly data on Tanzania’s GDP, FD, trade (TRD), and net FDI during 1990–2020 from World Bank Group and OECD National Accounts data files. Neoclassical growth theories claim that FDI enhances economic growth by augmenting capital stock and technology. This study employed the autoregressive distributed lag model and Granger causality tests to analyze the relationship. The results indicate that there exists a long-run relationship among the variables under consideration in Tanzania. Additionally, the results show a long- and short-term positive and statistically significant unidirectional causal relationship between FDI inflow and Tanzania's economic growth. Hence, this chapter concluded that Tanzania should emphasize FDI-led growth policies while strengthening its internal conditions, such as financial and human capital development, to enhance economic growth and realize the desired economic objectives. Moreover, future research should include other pertinent variables in a system of equations where other economic variables can also determine the nexus between FDI inflows and economic growth.
An Assessment of the Impact of Digitalization of Microcredit Services on Micro and Small Enterprises
(Arca Academic, 2022-04-02) Kingu, A.; Gomera, W.C.
Purpose: The study assessed the impact of digitalization of microcredit services among micro and small enterprises. Design/Methodology/Approach: The probability sampling technique used in obtaining the sample of 125 respondents. Data were collected and descriptive analysis was used in finding the frequencies, percentages and mean. Findings: The study results revealed that the digitalization of microcredit services is beneficial to micro and small enterprises, however, these enterprises face challenges in accessing digital microfinance services Research limitation/Implications: The study contributed to the approach by research questions and theories. The research questions focused on the benefits, challenges and awareness of digital microcredit services to micro and small enterprises. Practical implications: The study implies that digital technology in the financial industry is changing each day and as the technology changes users also need to change to cope with the situation. For that case, the financial institutions need to focus on how to help their customers in adapting to the situation so that they may proceed in providing their financial services. Social Implications: Microfinance institutions' digital technology must be connected to their consumers both internally and externally to provide acceptable and quality services. Originality / Value: The study recommends that there is a need for microfinance institutions to
make sure that they provide privacy to customers by increasing financial security on their customers' accounts and training users of digital microcredit services.