Recent Submissions

Factors for successful provision of mobile financial services in Mpwapwa District, Tanzania
(St John's University of Tanzania, 2017-11-28) Nkya, C. Raymond
A mobile financial service is importantly termed as a successful driver for economy and smooth financial services operation. This study mainly sought to assess the factors for successful provision of mobile financial services in Mpwapwa District. The specific objectives that were covered in this study are to; assess utilization of mobile financial services among mobile phone subscribers in Mpwapwa District, determine knowledge on regulatory procedures in providing mobile financial services among subscribers and agents in Mpwapwa District, examine the competitive advantage of mobile financial services utilization in Mpwapwa District. This study was used a cross sectional design to facilitate collection of information on the factors for successful provision of mobile financial services in Mpwapwa District. This was organized at one point in time and analysed in defined time. This study was used primary data that were collected through questionnaires from 91 respondents. The secondary data were collected through a review of literature in various reports and documents. Data were summarized and analyzed through data processing software named SPSS. The findings revealed that, mobile financial services mostly facilitate withdrawals of money and used as a wallet. This facilitated the utilization of mobile financial services in various transactions. The subscribers mostly comply with money transfer charges and regulatory framework that displayed the significant results. The competitive advantages were observed on the ability to eliminate manual paper work and ultimately lower transaction cost. The findings conclude that, mobile financial services are highly utilized by majority of subscribers in Mpwapwa District. The improvement of mobile financial services require improved regulatory framework. The TCRA is mostly used regulatory frame work to force providers in extending services based on network coverage in rural areas.
Employees’ labor rights awareness and its impact on job performance: A case of TTCL in Dodoma Office
(St John's University of Tanzania, 2016-11-28) Wassira, Joseph
The purpose of the study was to evaluate the level of labor rights awareness among employees and how it impacts job performance a case of TTCL. The study involved 70 respondents, of which some were requested to fill in the questionnaires and others were interviewed. The sampling techniques used were random and purposive sampling and the data collected was analyzed using both qualitative and quantitative methods. The result from the study discovered that, most employees are aware of their labor rights but requires detailed knowledge on them. Nevertheless, the study discovered that, the awareness of labor rights facilitate employees to thrust for improved working conditions which leads to job performance. The researcher recommends that seminars and trainings should be held to offer employees knowledge on their labor rights so as to boost their awareness. Trade unions should play their role in enhancing employees’ wellbeing. The major recommendations of the study is that; Researchers are argued and recommended to go for seminars on the concept of labour rights awareness especially on the aspects of the solutions to the problem which the study has not covered. Lastly; The organizations have to work seriously on the three factors seems to be the possible causes of poor performance and find out the strategies to get rid of them. i.e poor working environment, lack of motivational policies and limited fair opportunities for training and career development. Also lack of objective and fair promotional opportunities, lack of sense of recognition to employees for good work have high degree of influence on poor performance hence there is a need to construct the strategies in order to minimize or eradicate the pitfalls on them hence retain skilled people in the organizations.
Assessment of factors hindering the adoption of electronic banking system in Tanzania: A case of NMB and CRDB Banks in Dodoma Municipality
(St John's University of Tanzania, 2016-11-28) Mujuberi, H. Nyanjiga
In recent years of banking industry, the adoption of Electronic banking started to occur broadly, as one of the ways to offer different financial products, due to that reason, there was an advancement in information technology (IT) and stiff competition in banking sector. Electronic banking offers useful products to both commercial banks and bank Customers. Despite these advantages of electronic banking services, there are limiting factors for the adoption process which caused customers to remain in the usage of traditional banking methods to perform most of their transactions. This study has aimed at accessing factors affecting the adoption of electronic banking in Tanzania, a case of CRDB and NMB of Dodoma Municipality. In so doing, three specific objectives and variables of the study were taken into account; the study, has utilized both primary data (through interviews and questioners) and secondary data through documentary review (through documents obtained from both CRDB and NMB). Analysis was done by the use of SPSS and the results were presented in tables. Study findings have revealed that there were hindering factors in the adoption of electronic banking services, these include the perceptions of risks, perception in transaction costs, privacy and security issues, laxity of financial institutions in promoting electronic banking and network access. The study finally recommends to the regulators or law makers for advancement of electronic banking services, education to customers about electronic banking should be provided regularly, the government also through TANESCO or any other bodies of electricity supply, should put an emphasis on supplying electricity in rural areas and the lastly the concerned bank (CRDB and NMB) should increase the number of electronic devices, especially automated teller machines.
Factors contributing to employee turnover in Local Government Authorities in Tanzania: A case of Dodoma Municipal Council
(St John's University of Tanzania, 2017-11-28) Mpelembe, Chipole
This study aimed at showing the factors contributing to employees’ turnover in local government authorities in Tanzania, and was conducted at Dodoma municipal council, specifically the objectives of the study were; to determine the influence of organizational change on employee turnover, to find out the influence of staff training on employees turnover, to examine the influence of economic factors on employees’ turnover and lastly to determine the influence of staff motivation on employees turnover at Dodoma municipality. The theoretical framework of this study was derived from the theory of motivation. The most widely known motivation theories are Maslow’s Hierarchy of Needs, Herzberg’s Two-factor Theory and Vroom’s Expectancy Theory. The study used a descriptive survey design. The target population of the study was the 100 Dodoma municipality employees were respondents in this study. The data collected was primary in nature and was collected through questionnaires. Data analysis was done using Statistical Package for Social Sciences (SPSS). Descriptive statistics was computed and data was presented using tables. The major findings of the study were that Dodoma municipality; had enough employees to deliver services in the entire municipality. Generally organizational change influenced employee turnover in local government authorities. The employees were satisfied with workload, set targets, supervisors and Dodoma municipality had strong communication system capable of creating awareness on information and knowledge required by employees to control high employee turnover. The staffs in Dodoma municipality were well qualified, motivated, stable and responsive. Employee training influenced employee turnover in Dodoma municipality. Employees were motivated through attending training short and long courses. Opportunities for training and development were among the most important reasons why employees stayed especially young and enthusiastic ones. The study also found that economic factors influenced employee turnover in local governments and mainly in Dodoma Municipality. This was because social economic constraints caused brain drain. Extra income from other sources contributed to socio-economic development. Lastly the study found that employee motivation influenced employee turnover at Dodoma municipality. Good working conditions and creation of better working relationships made the employees to be motivated and increase staff retention. The study recommended that the management of Dodoma municipal should ensure that there are adequate staffs in relation to the workload, employees should be further developed so as to be well educated, motivated, stable and responsive. The staff should be offered chances to attend trainings, short and long courses as these are among the reasons why employees remain in organizations, provide good working conditions for employees to motivate and increase retention and ensure that promotion is fairly done at the required time and everybody be given equal opportunity for promotion.
Effectiveness of internal controls over revenue and expenditure: the case of TANESCO in Dodoma Municipal
(St John's University of Tanzania, 2015-07-28) Goodluck, George
The researcher was inspired to undertake this study as a result of the increased publications in Tanzania on embezzlement and misappropriation of funds in many public institutions and the management of these institutions being dismissed and sometimes accused of misappropriations. The study intended find out the effectiveness of internal controls over revenue and expenditure at TANESCO in Dodoma Municipal. A cross sectional survey was used in the course of the study. Both qualitative and quantitative data were gathered and purposive sampling was also used to select a sample of 26 interviewees who ranged from ordinary employees to senior management officers. Data were collected using both primary and secondary sources. Researcher organized the well-answered questionnaire; then edited and sorted for the next stage and findings are presented in tabular form, frequencies, percentages and images. The researcher analyzed data using Statistical Package for Social Sciences (SPSS) to analyze the relationship between the variables under study. The study noted that the internal controls over revenue and expenditure were effective. However the study recommended that TANESCO needs to establish an internal audit department in its regional branches which would be responsible for reviewing the effectiveness of internal controls to reduce embezzlement activities. Moreover phase out all conventional meters to ease revenue collection,perform job rotation to its employees and provide regular training on compliance to policies and procedures as a means of enhancing controls over revenue and expenditure.