http://repository.mocu.ac.tz/xmlui/handle/123456789/44 2026-04-07T12:44:28Z 2026-04-07T12:44:28Z Mawien, Santo K. D. http://repository.mocu.ac.tz/xmlui/handle/123456789/1187 2024-01-24T12:58:12Z 2023-01-01T00:00:00Z

Relationship Lending and Credit Access by Small Enterprises in Moshi Municipality, Tanzania Mawien, Santo K. D. Small enterprises play a significant role in driving economic growth, reducing poverty, and creating job opportunities in Tanzania. Developing on this background, the study investigated the influence of relationship lending on credit access by small enterprises in Moshi Municipality, Tanzania. The study pursued three specific objectives; to examine the relationship lending practices by small enterprises; to determine the influence of length of relationship lending on credit access by small enterprises; and to analyse the association of multiple lending relationships and credit access by small enterprises. Through a cross-sectional research design, data were collected from 290 small enterprises in Moshi Municipality using a survey questionnaire. Descriptive statistics and logistic regression model were used in data analysis. The study revealed that most of small enterprises owners accessed loan from bank once per year with an average repayment period of one to six months. The study also found that the length of relationship and collateral had significance and positive influence on small enterprises’ credit access (0.596, Wald χ2 (1) = 5.092, p=0.024; 0.357, Wald χ2 (1) = 6.851, p=0.009). Borrowing from multiple lenders was also found to have significant positive influence on small enterprises credit access (2.186, Wald χ2 (1) = 15.393, p= 0.000, while services and size of the firm (-1.749, Wald χ2 (1) = 9.888, p=0.002; -0.221, Wald χ2 (1) = 5.481, p=0.019 were found to have significant negative influence on small enterprises credit access. In conclusion, length of relationship, collateral and multiple lending relationship have significant influence on credit access by small enterprises. It is recommended that small enterprises owners should stay in close contact with their lenders. There is also a need for the government to increase its spending on credit guarantee programs to increase access to loans for start-up businesses, small enterprises and individuals without established credit histories.

2023-01-01T00:00:00Z Ndereyimana, Reverien http://repository.mocu.ac.tz/xmlui/handle/123456789/1186 2024-01-24T12:57:23Z 2023-01-01T00:00:00Z

Factors Influencing Youth Participation in Agricultural Co-Opearative Societies in The Northern Region, Burundi Ndereyimana, Reverien Youth participation in Agricultural Co-operative Societies (ACS) is crucial for both cooperative development and socio-economic progress. However, their involvement in ACS remains limited. This study aimed to assess the factors influencing youth participation in agricultural co-operative societies within the northern region of Burundi. Specifically, the study sought to assess the level of awareness among youth regarding ACS in the study area, to examine the cultivation related co-operative activities in which youth are involved, to establish the costs and benefits associated with their participation and examine the socio-economic factors influencing their engagement in ACS. The research adopted a cross-sectional research design, involving a sample of 332 respondents selected through purposive, simple random and convenience sampling. Both quantitative and qualitative data were collected using questionnaires, interview guides and focus group discussion guides. Through IBM SPSS version 25 and Excel, descriptive statistics analysis was used for quantitative data while content analysis was employed for qualitative data. The study applied Benefit-Cost Ratio (BCR) analysis to evaluate the costs and benefit of youth participation in ACS while a binary logistic regression model was used to examine socio-economic factors influencing youth participation in ACS. Results indicated low awareness level among youth regarding ACS with an average mean index of 2.23 and aligning standard deviation of 1.35. Notably, crops like beans (42%), vegetables (15.6%), rice cultivation (13%) and maize (9.3%) were the most cultivation related co-operative activities in which youth are involved. The BCR demonstrated a positive return on investment in ACS (BCR=1.6), indicating a viable venture. Socioeconomic factors such as access to market (p= 0.020), access to credit (p=0.049), access to land (p=0.034), education level (p=0.037) and profitability (p=0.027) emerged as key predictors influencing youth engagement in ACS. In conclusion, youth's limited membership in ACS stemmed from lower level of awareness, negative perceptions and adherence to traditional co-operative models. Recommendations include increasing awareness among youth through initiatives by different stakeholders in ACS. Additionally, changing from traditional model to entrepreneurial model, the study recommended to government establishing a Ministry of Co-operative and Small and Medium Enterprises, along with a co-operative university.

2023-01-01T00:00:00Z Ibengwe, Magreth http://repository.mocu.ac.tz/xmlui/handle/123456789/1182 2024-01-24T12:55:11Z 2022-01-01T00:00:00Z

Influence of Microfinance Institutions Services on Women Household Power Relations in Tanzania Ibengwe, Magreth This study investigated the role of microfinance institution services on women household’s power relations. Specifically, the study aimed at investigating the contribution of savings on women household power relations, determine the influence of loan on women household power relation and determine the importance of education and training on women household’s power relations. The study used cross-sectional research design with the population of 153 women who are members of Kalali SACCOS in which the sample of 99 respondents was drawn from the population. This study used both purposive and simple random sampling techniques whereby both primary and secondary data were collected. Qualitative data were analyzed using content analysis technique whereby quantitative data were analyzed with the aid of Statistical Package for Social Science (SPSS) in which descriptive statistics and inferential statistics method were used. Findings indicated that both savings and access of finance together with education and training are important to household power relations since it improves business management skills, allows women to break the barrier of education, improves confidence, women social status as well as improves attainment of household needs and responsibilities. This shows that education and training as the services offered in the SACCOS has improved household power relations, since it allows women to improve their social and economic welfare through benefits of having successful business and ability to attain their household needs. It is concluded that the majority of women were less developed prior to saving, acquiring loans and getting education and training when compared to post joining SACCOS, since through SACCOS services women were able to increase ownership of assets as well as increased ability of managing household needs. Concerning the contribution of savings, loan, education and training for women, household power relations, has improved women skills and women are able to manage business successfully and create a chance of improving themself. Therefore, the study recommends that the SACCOS in collaboration with the government through its organs such as the Ministry of Finance and community-based organization like TUSONGE should increase funds for more women to borrow and allocate substantial budget in order to provide training seminars concerning microfinance institution services in relation to household power relations.

2022-01-01T00:00:00Z Marango, Juliet http://repository.mocu.ac.tz/xmlui/handle/123456789/1180 2024-01-24T12:54:30Z 2023-01-01T00:00:00Z

Saving and Credit Co-Operative Organizations (Saccos) Services and Income Poverty Reduction Among Members Marango, Juliet With almost half of the world’s six billion people living on less than two dollars a day, reduction of income poverty has become the biggest challenge to the human society. In response, the global campaign against income poverty has gained momentum, with various development actors suggesting the use of different instruments to reduce income poverty. However, there is an emerging consensus among many actors that the cooperative enterprise is one of the few forms of organization that meet all dimensions of poverty. This study therefore examined the role of SACCOs services to income poverty reduction among members. The specific objectives of the study were to; determine how regular small saving deposits accepted by SACCOs contribute to income poverty reduction, examine how credit services provided by SACCOs contribute to income poverty reduction, determine if advisory services provided by SACCOs contribute to income poverty reduction in Gulu District, and examine how training services provided by SACCOs contribute to reduced income poverty in Gulu District. The study used the neoclassical growth theory such as Harrod-Dommar and Robert Solow and Resource-based theory of entrepreneurship. The study employed a cross-section research design using both qualitative and quantitative methods (questionnaire, KIIs, document reviews) of data collection. Cluster and simple random sampling were used to select a sample of 150 SACCOs members from Acak ki Kuc and Ada pi Anyim SACCOs in Gulu District. The study used descriptive analysis, one sample t-test and multiple linear regression model. Results from the one sample T-test showed that members agreed that Savings and credit services contribute to income poverty reduction among members. However, they disagreed on training and advisory services having a contribution to income poverty reduction among members. The findings also indicated a positive relationship between savings accepted by SACCOs and income poverty reduction among members. There was also a positive relationship between credit provided by SACCOs and income poverty reduction. The study shows there was no contribution of advisory and training services offered by the SACCOs on income poverty reduction among members. The study recommends SACCOs to initiate other credit like school fees, insurance, house, land among others. Government should offer financial education to the SACCOs groups and their members. Members should be champions in the community to motivate those who have not joined the SACCOs to join.

2023-01-01T00:00:00Z