Communities in SJUT-IR
Select a community to browse its collections.
Recent Submissions
Analysis of Factors Behind Credit Risk in Tanzanians Saccos: A Case of Hazina Saccos in Dar-es-salaam, Tanzania
(St John's University of Tanzania, 2017-12-12) Tunkete, Ndabiti Mwamsojo
This study focuses on the factors for credit risk at Hazina SACCOS, Dar es Salaam, Tanzania. It basically attempts to address three specific objectives namely; factors for credit risk at Hazina SACCOS in Dar es Salaam, the effects of credit risk at Hazina SACCOS and measure for dealing with credit risk at Hazina SACCOS. This study employed a case study design to collect information from 86 respondents. The findings show that credit risk is contributed by existing difficult business environment, that reported to depend on the business in terms of type and environment. It has also been observed that credit risk at SACCOS resulted into reduced SACCOS outstanding cash, and the need for controlled lending policies and procedures, and ability of SACCOS members through the management to control credit issuance and collection. The factors for credit risk were presented. The credit risk was associated with reduced SACCOS outstanding cash and reduced members confidence to save and shortage of SACCOS capital. The credit risk, SACCOS is faced with problems associated with cash and liquidity. The ability of credit risk to influence investment of members at Hazina SACCOS the ability of credit risk to influence investment of SACCOS credit risk is an obstacle to SASCCOS investment and saving from its members. It has been strongly affirmed that credit risk is contributed by existing difficult business environment. The credit risk there should be well controlled lending procedures, and ability of SACCOS members through the management to control the credit. SACCOS management is required to improve procedures and strategies to control credit provision based on the lending procedures.
Assessment of the Effect of Digital Literacy on University Students: A Case Study of St John’s University of Tanzania.
(SJUT Press, 2024-09-30) Lilian Didas Mushi
This research investigates the impact of digital literacy on university students' academic performance, critical thinking, and career readiness in Dodoma, Tanzania, with suggested theories which are the Technology Acceptance Model (TAM) and the Digital Literacy Framework. The study aims to explore how students' perceptions of digital tools influence their academic engagement and effectiveness, identify specific challenges faced in digital environments, and provide recommendations for enhancing digital literacy education. Data were collected from 100 participants through interviews and questionnaires. Findings indicate that a majority of students believe high digital literacy positively affects academic success, though some argue it is not the only determinant. The research identifies key challenges such as navigating online learning platforms and accessing digital resources. Recommendations include implementing targeted digital literacy training and improving digital infrastructure at universities. Additionally, the study offers policy suggestions for integrating digital literacy into the national curriculum to bridge the digital divide and foster a digitally competent workforce in Tanzania.
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.