http://repository.mocu.ac.tz/xmlui/handle/123456789/1 Sat, 06 Jun 2026 14:40:29 GMT 2026-06-06T14:40:29Z http://repository.mocu.ac.tz/xmlui/handle/123456789/2224 Rural financial markets in Tanzania: Bee, Faustine K. Tanzania is among the poorest countries in the world, with most of its population living in rural areas. Like most other developing countries, rural households’ access to financial services is very limited. The government has adopted series of economic reform measures since mid-1980s that include financial liberalization. Liberalization of the financial sector facilitated participation of private financial institutions, restructuring of public financial institutions and privatization, elimination of interest rate controls, credit allocation and targeting. In addition, the role of the Bank of Tanzania in supervision and regulation of financial institutions was strengthened. Following the privatization of the financial sector, the number of financial service providers increased and diversified, which include commercial banks, development banks, insurance and social security funds, and capital markets. The role of the central bank was re-defined and strengthened in terms of price stability, supervision and regulation. Although there is an increase in financial sector service providers and products, rural households’ access to financial services did not improve. To the contrary access to formal financial services is diminishing significantly, hence making poverty reduction initiatives more difficult. This study analyzed constraints to access to rural financial services, examined its impact on rural households’ livelihoods, and recommended appropriate financial sector development strategies. The data for the study were collected from various sources – both primary and secondary. Primary data were collected from selected thirteen villages in Babati and government offices in the district through interviews, focus group discussions, questionnaire, and observation. Secondary information was gathered from documentary sources in the form of reports, records and review of literature. A combination of analytical tools was used – qualitative and quantitative. The study observed that history of rural finance in Tanzania is associated with colonialization of Tanganyika. The German colonial administration was the first to introduce establishment of modern commercial banking in the country in 1905 This is Research Article Mon, 01 Jan 2007 00:00:00 GMT http://repository.mocu.ac.tz/xmlui/handle/123456789/2224 2007-01-01T00:00:00Z http://repository.mocu.ac.tz/xmlui/handle/123456789/2221 Outsourcing services and value for money achievement In public institutions: Msofe, Rahim M. The study was about the outsourcing services and value for money achievement in public institution, taking a case study of Moshi Cooperative University. The study covered four objectives which included; to determine factors influenced Moshi cooperative University to engage into outsourcing of the services, to examine the contribution of outsourcing proceedings towards value for money achievement, to establish the extent to which outsourcing of services has reduced operational costs towards the achievement of value for money and improve the institutional efficiency, to establish the extent to which outsourcing of services has improved the institutional efficiency towards the achievement of value for money. The study was carried out using case study design with the application of both qualitative and quantitative techniques. The study involved 40 respondents from Moshi Cooperative University and the model tool used to analyse data was Statistical Package for Social Sciences (SPSS). The study findings indicated that, desire to reduce cost, and the need to free up organization resources so as to focus on their core activities were the substantial factor that influences the organization to seek outsourcing services. Outsourcing services has reduced operational costs and improved institutional efficiency whereby; through reduced internal head count, while responsiveness to client was the major factor that contributed to quality of customer service in outsourcing hence value for money achievement. The study recommended that there should be systematic way of sharing information among the public organization that would assist to maintain vendor-organization relationship in order to maintain pricing and quality of work also it was recommended that the University should set strategies of managing the outsourcing contracts against the actual implementation. There should be special team assigned to monitor, evaluate, and report on the performance of the service provider so as to ensure that the contract terms are followed and quality service is obtained This is Research Article Sun, 01 Jan 2017 00:00:00 GMT http://repository.mocu.ac.tz/xmlui/handle/123456789/2221 2017-01-01T00:00:00Z http://repository.mocu.ac.tz/xmlui/handle/123456789/2211 Cybersecurity Risks and Customers’ Protective Behavior on Usage of Mobile Banking Services: Mkilia, Emmanuel L.; Kaleshu, Jones T.; Sife, Alfred S. Cybersecurity threats rise as more people use mobile applications to access their bank accounts. This study examined customer’s protection motivation on cybersecurity risks and usage of mobile banking services in Tanzania. A survey of 478 commercial bank customers was conducted using questionnaire and key informant interviews. The relationship between mobile banking customers' protection motivation of cybersecurity and how it affects their use of mobile banking services was analyzed using partial least squares structural equation modeling (PLS-SEM). The results indicate that perceived threat, perceived severity, data confidentiality, self-efficacy, and cybersecurity awareness have significant influences on mobile banking customers on use of mobile banking services. The results of the study are in line with Protection Motivation Theory (PMT) because of the fact that five out of seven constructs derived from risk appraisal and coping appraisal were found to influence use of mobile banking services. The study concludes that protective behavior on usage of mobile banking services by customers depends on cybersecurity threat appraisal and coping appraisal. However, perceived susceptibility and perceived integrity had no effect. It is recommended that banks should make an investment in educating users about the mobile banking service by providing guidance and information, which will lessen the impact of cybersecurity concerns. This is Reseach Article Sun, 01 Jan 2023 00:00:00 GMT http://repository.mocu.ac.tz/xmlui/handle/123456789/2211 2023-01-01T00:00:00Z http://repository.mocu.ac.tz/xmlui/handle/123456789/2195 Revenue Diversification, Capital Budgeting Practices and Financial Sustainability Kesanta, Marwa N.; Makuya, Victoria; Makona, Athuman Purpose: This study is anchored on the Resource-Based View and Modern Portfolio theories to investigate the impact of revenue diversification (RD) and capital budgeting practices (CBP) on financial sustainability (FS), moderated by sustainability audits (SA). Design/Methodology: Data were collected from 228 managers using a cross sectional research design and a questionnaire. Data analysis were through Partial least squares structural equation modeling (PLS-SEM). Findings: Analysis reveals that RD and CBP significantly and positively drive FS, though RD demonstrates a greater effect. SA moderated positively the association between the RD and FS, but negatively on the CBP and FS linkage. Practical Implications: The study’s findings inform the management and policymakers of Savings and Credit Cooperative Organisations (SACCOS) in recognising and prioritising SA, RD, and CBP in their decision-making and planning processes to achieve financial success. They should embrace regular investment training, investment diversification, and designate a dedicated unit to manage revenue diversification and capital budgeting practices to achieve FS. Thu, 01 Jan 2026 00:00:00 GMT http://repository.mocu.ac.tz/xmlui/handle/123456789/2195 2026-01-01T00:00:00Z