Microenterprise finance in Tanzania: case study and policy design analyses
| dc.contributor.author | Chiduo C. M .P | |
| dc.date.accessioned | 2025-04-22T11:37:58Z | |
| dc.date.available | 2025-04-22T11:37:58Z | |
| dc.date.issued | 2001 | |
| dc.description | MASTERS DISSERTATION | |
| dc.description.abstract | The purpose of this study was to assess the status and provision of micro-finance services in Tanzania and suggest necessary improvements in national microfinance policies and design of micro-finance programmes. Specific objectives of the study were to (1) assess the status and provision of micro-finance services in Tanzania basing on secondary information and analyses of selected case studies, (2) evaluate the status of accessibility to micro-finance (credit) of selected MEs in Dar es Salaam region, (3) determine the role of credit in micro-enterprises performance in terms of changes in employment creation and income generation, (4) analyse factors which determine performance of micro-enterprises, and (5) following achievement of the above objectives, recommend necessary improvements in the design of national micro-finance policies and individual programmes. Data for the study were collected from various primary and secondary sources including, The Planning Commission, Vice President’s Office, Bank of Tanzania (BOT), and National Micro-finance Bank (NMB). More data were collected through MFI and ME level surveys from PRIDE Tanzania, Presidential Trust Fund for Self Reliance (PTF), Huduma Ya Maendeleo Ltd (HYM) and their clients in Dar- es-Salaam region. Major tools of analyses for the study were descriptive statistics and multiple linear regressions. Results of the study confirmed that micro-finance programmes operated by the MFIs in the study areas have been designed basing on policies enshrined in the New Micro-finance Approach such policies have contributed significantly to financial successes in many parts of the World. They include: emphasis on group liability in lieu of formal collateral; charging of commercial interest rates instead of subsidized rates, effecting intensive loan collection, and demanding contributions towards insurance funds. Micro-enterprises studied have contributed substantially to livelihood of families of the micro- enterprise owners. Access of MEs to capital improves income generation and labour employment capacity of ME although only to a small degree. Capital has also enabled MEs to operate more smoothly and more efficiently. Recommendations of the study for policy relate to improvements in performance of the micro-enterprise sector through provision of reasonable amounts of start-up capital, and, provision of business management and marketing training, for the purpose of assisting ME’s growth and development into the formal sector. It is also recommended that, activities of MFI should be regulated through a micro-finance board that shall develop and promote rules and regulations for self-guarding interest of the various stakeholders in the micro-finance sub-sector. | |
| dc.description.sponsorship | SUA-VLIR | |
| dc.identifier.uri | https://www.suaire.sua.ac.tz/handle/123456789/6666 | |
| dc.language.iso | en | |
| dc.publisher | Sokoine University of Agriculture | |
| dc.subject | Microenterprise | |
| dc.subject | finance | |
| dc.subject | policy | |
| dc.subject | Tanzania | |
| dc.subject | Bank of Tanzania | |
| dc.title | Microenterprise finance in Tanzania: case study and policy design analyses | |
| dc.type | Thesis |