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The Drivers Of The Gender Gap In Financial Inclusion For Entrepreneurial Development: Empirical Analysis From Tanzania, Cornel Joseph, Chakupewa Joseph Mpambije

Business Management Review

The gender gap in financial inclusion is a significant concern for both the academic community and policymakers, as it represents a critical factor influencing the development of entrepreneurship in Tanzania. Using the World Bank’s Findex database of 2021, this paper examines the drivers of the gender gap in financial inclusion for entrepreneurial development in Tanzania. The study adopts the Fairlie decomposition to examine the contribution of these factors to the gender gap in access and usage of financial services. The empirical results from the Fairlie decomposition analysis confirm the existence of a gender gap in access to financial services in …

How Public Trust Matters To Future Taxpayer Compliance In Indonesia, Shelvi Shelvi, Tutik Rachmawati

BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi

This study examines the role of public trust in shaping future taxpayer compliance, a critical factor for achieving the long-term development vision of Indonesia Emas 2045. While trust has been extensively studied in the context of current taxpayers, research on its role among younger generations as future taxpayers in developing economies remains limited. To address this gap, a mixed-methods approach was employed, combining survey data from 420 students with in-depth interviews. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the hypothesis that public trust influences future taxpayer compliance. The results demonstrate that public trust …

Applying Total Quality Management And Auditor Size Theories To Audit Quality: Evidence From Tanzanian Auditing Firms, Freddy Chaula, Henry Zeno Chalu, Paul Ambege

Business Management Review

Amid mixed global findings on the determinants of audit quality, particularly in emerging markets, the role of engagement team competence and audit firm size remains underexplored. This study investigates the relationship between engagement team competence, audit firm size, and audit quality in Tanzanian auditing firms. The hypotheses were tested using PLS-SEM based on data obtained from a cross-sectional survey of 147 Tanzanian audit partners. Audit firm size (β = 0.309, p < 0.01) and engagement team competence (β = 0.567, p < 0.01) were found to have significant positive effects on audit quality. These results suggest that audit quality is significantly enhanced by audit firm size and engagement team competence, thus supporting total quality management and auditor size theories. These findings highlight the need for regulators to strengthen auditor competence and to support the growth of small auditing firms, thereby enhancing their capacity, resources, and the overall audit quality. For auditing firms, the findings underscore the need to develop engagement team competence through initiatives such as professional training, mentoring, and knowledge-sharing programs. Additionally, firms should expand their capacity to strengthen audit quality. While focused on the Tanzanian context, the findings offer broader insights for improving audit quality in developing economies.

The Influence Of Rotating Savings And Credit Associations Dynamics On Local Trade Flows In Dar Es Salaam, Tanzania, Fred Phanuel Okangi, Theresia E. Busagara

Business Management Review

This study examines the influence of Rotating Savings and Credit Associations (ROSCAs) on local trade flows in Dar es Salaam, Tanzania. Using a structured questionnaire, data were gathered from 107 ROSCA members to assess three key areas: the operational dynamics of ROSCAs, the socio-economic profiles of ROSCA members, and the accessibility of financial resources among ROSCA members. The findings reveal a significant positive relationship between the effective management of ROSCAs and increased local trade flows, underscoring that well-organized associations can facilitate smoother financial transactions. Furthermore, the diverse socio-economic profiles of ROSCA members were shown to promote knowledge-sharing and networking opportunities, …

Challenges To The Internationalisation Of Small And Medium-Sized Food Crops-Based Enterprises (Smes) In Tanzania, Omari Khalifa Mbura, Sumaya M. Kagoya

Business Management Review

This paper examines the salient attributes of small and medium-sized enterprises (SMEs) internationalisation of food crops. Using the explanatory research design the study applied the International Entrepreneurship theory and the Uppsala internationalisation process model, to specifically link the influence of internal, psychic distance and external factors to SMEs internationalisation of food crops in Tanzania. It reports the findings of a study that used a structured questionnaire to collect data from 80 randomly selected food crop exporting firms in Tanzania. The results subjected to multiple regression analysis indicate that out of the three constructs, internal and psychic distance factors had a …

Assessing The Influence Of Audit Committee Characteristics On The Effectiveness Of Risk Management Practices In Public Statutory Corporations In Tanzania, Gerald J. Soi, Siasa Issa Mzenzi, Said Suluo

Business Management Review

This study was conducted to examine the influence of audit committee characteristics on the effectiveness of risk management in Public Statutory Corporations (PSCs) in Tanzania, and the moderating effect of the size of an entity on this relationship. A structured questionnaire was used to collect data, which was completed by 424 chief internal auditors and directors of finance from PSCs across various Tanzanian regions, and analysed using SmartPLS (PLS-SEM) version 4.0. The findings indicate that the expertise of the audit committee and the frequency of meetings with a substantive risk agenda positively influence risk management effectiveness in PSCs. Conversely, the …

The Nexus Between Entrepreneurial Ingenuity Antecedents And Market Penetration Of Tanzanian Formal Retail Businessesmarket Penetration: Entrepreneurial Ingenuity: Formal Retail Business, Salum Makangila, Omari Khalifa Mbura

Business Management Review

The entrepreneurial ingenuity is a fundamental strategy employed by business proprietors and operators to navigate market penetration challenges when formal and informal retail businesses operate simultaneously in the same commercial environments. Guided by positivism research philosophy and cross-sectional design, quantitative data were collected from randomly selected sample size of 520 business proprietors and operators through structured questionnaire. The study hypothesized and tested the relationship between entrepreneurial ingenuity antecedents and market penetration of Tanzanian formal retail businesses using Structural Equation Modelling (SEM). The empirical results reveals that entrepreneurial ingenuity antecedents namely creative, innovative and open-minded behaviour positively and significantly influences market …

Continuous Learning And Customer Value Creation In The Healthcare: Mediating Effects Of Innovations Adoption Value Recognition, Binto M. Binto, Omari Khalifa Mbura

Business Management Review

This research investigates the influence of continuous learning on the effectiveness of customer value creation in the Tanzania’s healthcare system, with a specific focus on the mediating effects of innovation adoption value recognition. Using a cross-sectional design, data were collected from 360 healthcare professionals across three zonal referral hospitals in Tanzania. Data analysis employed a structural equation modelling using SMART-Partial Least Squares software version 4.0. The findings indicate that continuous learning enhances healthcare customer value creation both directly and indirectly. Also, innovation adoption value recognition serves as a mediating variable of the direct causal relationship, offering partial mediation effects between …

Meeting Battery Electric Vehicle Demand With A Focus On Throughput Capacity Across The Transport Nodes In The Upstream Cobalt Supply Chain, Nicholas J. Visconti

Dissertations

This study assesses whether cobalt transport capacity in sub-Saharan Africa is sufficient to support projected battery electric vehicle (BEV) demand under the Paris Accord. Using open-source data from ArcGIS, the Highway Capacity Manual, and the World Bank, the analysis applies a simplified linear programming approach to estimate the maximum throughput of the primary transport corridor connecting the Democratic Republic of the Congo to the Port of Durban. The model identifies significant constraints along the Rutenga-to-Beitbridge segment, reducing network capacity to an estimated 42,494 tons of ore per day. When converted to refined cobalt, this capacity falls well short of the …

The Central Bank Supervision Stringency On Bank Stability, Sara Eliufoo, Judika King'ori

Tanzanian Economic Review

This study examines the relationship between central bank supervision stringency and bank stability in Tanzania, focusing on 45 licensed banks. Specifically, it assesses the influence of regulatory capital stringency, loan loss provisioning stringency, and loan diversification stringency on bank stability. Guided by Agency Theory and Credit Risk Management Theory, the study adopts a quantitative research design. Primary data were collected using structured questionnaires administered to 225 bank employees, including credit, finance, internal audit, risk, compliance, and human resource officers. Data were analyzed using Structural Equation Modelling (PLS-SEM) via SmartPLS 4.0. Rigorous data screening addressed missing values, outliers, and measurement errors. …

Adapting To Price Fluctuations: A Case Study Of Street And Market Vendors In Tarlac City, Gavie A. Mariñas, Roselyn V. Magapuro, Ivan Karlo S. Pating

Sinaya: A Philippine Journal for Senior High School Teachers and Students

This study examined the experiences and adaptive strategies of vendors in response to price fluctuations using a qualitative case study approach. Focusing on a bounded case of six purposively selected street and market vendors, the study identified patterns of resilience, negotiation, and vulnerability by emphasizing how vendors deal with uncertainty in a fluctuating economic environment. One of the most significant findings was a considerable drop in sales across vendors following price increases, resulting in fewer client visits. Despite their resourcefulness, vendors have challenges due to limited government assistance, which frequently forces them to rely primarily on their own abilities. Based …

Is Uganda’S Trade Complementary With Its Eac Partners?, Aaron Ecel, Timothy Esemu, Matthias S. Mulumba, Jimmy O. Otim

Tanzanian Economic Review

This study evaluates the extent to which Uganda’s export profile aligns with the import needs of its East African Community partner states, with the aim of identifying opportunities for enhanced regional trade. Using sectoral trade data from the International Trade Centre and UN Comtrade, the study applies the Trade Complementarity Index (TCI) and Trade Intensity Index (TII) to analyze Uganda’s trade flows with EAC partners between 2013 and 2023. The results show that Uganda’s trade complementarity with EAC partners remains generally low across several key sectors, including prepared foodstuffs and chemicals, despite significant regional demand and preferential market access. Trade …

Comparative Competitiveness Of Ugandan And Ethiopian Coffee In International Markets, Aaron Ecel, Robert Muwanga, Bob Ssekiziyivu, Oliver Nakanwagi

Business Management Review

Purpose: This study compares the global competitiveness of Ugandan and Ethiopian coffee exports, analyzing export performance, market dynamics, and structural determinants to inform policy interventions.

Design/Methodology/Approach: Using quantitative analysis of 2012-2023 trade data from UN Comtrade and ITC Trade Map, we apply Constant Market Share Analysis (CMSA) and Revealed Comparative Advantage (RCA) metrics.

Findings: Uganda demonstrated stronger growth in export value (156% from 2012–2023) and quantity (7% annual growth), driven by commodity composition effects (72.8%). However, its lower unit values ($2,578/unit) reflect reliance on bulk Robusta exports. Ethiopia, despite stagnant volume growth, commands premium prices ($5,186/unit) due to specialty Arabica …

Genetically Modified Crops In Africa: Evidence On Adoption, Economic Benefits, Environmental Effects, And Constraints, Aloyce Hepelwa, Innocensia John

Tanzanian Economic Review

Africa faces deep food insecurity with over 300 million undernourished people driven by, low agricultural productivity, and climate shocks. To enhance food production and sustainable development, there is potential seen in genetically modified (GM) crops. To explore the potential of GM crops, this paper examines their production, adoption, economic and environmental impacts, adoption barriers, and policy implications in Africa and globally. This is done using a structured narrative review of peer-reviewed literature, reports, and policy documents (2014–2024) sourced from different databases complemented by stakeholder consultations. The findings show that GM has expanded considerably worldwide driven by high productivity, reduced pesticide …

Institutional Isomorphism, Top Management Commitment, And Environmental Disclosure In Tanzania’S Construction Sector, Aulelius Lema, Siasa Issa Mzenzi

Business Management Review

This study examined the influence of institutional isomorphism on environmental disclosure (ED) in Tanzania’s construction sector and the mediating role of top management commitment (TMC). A cross-sectional design was employed, with data collected from 314 construction firms. Environmental disclosure was measured using content analysis of financial reports, and Structural Equation Modelling using the Maximum Likelihood Estimation (MLE) method was used to estimate the structural model. The findings reveal that coercive, normative, and mimetic pressures significantly impact ED. The result also indicates that TMC significantly affects ED and mediates mimetic pressure’s effect, but does not mediate coercive or normative pressures. Similarly, …

Social Media Marketing And Business Performance Of Small And Medium Fashion Enterprises In Tanzania: The Moderating Role Of Social Media Strategic Capabilities, Pamela Kishimbo, Juma James Masele, Dev Jani

Business Management Review

This study examines the influence of social media marketing (SMM) on the business performance of small and medium fashion enterprises (SMFEs) in Tanzania, with social media strategic capabilities (SMSCs) as a moderating variable in this relationship. The study is grounded in the Uses and Gratification Theory (UGT) and Resource-Based View (RBV). The study used a cross-sectional survey design, collecting data from 397 SMFEs through structured questionnaires. Data were analysed using descriptive statistics and structural equation modelling (SEM). The findings revealed a significant positive relationship between SMM and the business performance of SMFEs in Tanzania. Furthermore, the findings show that SMSCs …

Investigating The Relationship Between Noun Classes And Plant Folk Taxonomy In Chasu Language Of Kilimanjaro Region In Tanzania, Peter Rabson Mziray

Journal of Humanities and Social Sciences

The current study investigates the relationship between noun classes and plant folk taxonomy in Chasu (G 22). The study focuses on two objectives: the first objective is to describe the plant folk taxonomy in Chasu and the second objective is to determine the relationship between noun classes and plant folk taxonomy in Chasu. Data were collected from rural villages in Same and Mwanga districts by using free listing, field interviews (jungle-walk-and-identify), and written texts containing Chasu plant names. The findings reveal that Chasu folk taxonomy reflects different ethnobotanical categories; including a unique beginner which is mmea/mimea ‘plant(s)’, and three life …

The Impact Of The Performance Of Amman Stock Exchange On Economic Growth In Jordan: An Econometric Study, Rawan Al-Omari, Ahmad Malawi

Jordan Journal of Applied Science-Humanities Series

This study aimed to investigate the impact of the Amman Stock Market's performance on economic growth in Jordan during the period from 1978 to 2016. Several diagnostic tests were used, such as the Augmented Dickey-Fuller (ADF) and Phillips-Perron (PP) tests for stationarity. The results show that the variables are not stationary at their levels, while their first differences are stationary. The CUSUM of squares test was employed to check the stability of the model parameters, and the Johansen test was used for cointegration. Dynamic Least Squares (DOLS) was used for regression analysis. Overall, the results indicate that the turnover ratio …

Exploring The Role Of Ict In Empowering Grassroots Innovation And Entrepreneurship: A Cross-Sectional Study Of Iringa Region In Tanzania, Emma Nkonoki, Ruthbetha Kateule, Ville Leppänen

The African Journal of Information Systems

ICT-enabled grassroots innovation has been extensively researched; however, there is a lack of empirical evidence as to its potential contribution to resource-scarce settings in Africa. This paper aims to explore the transformative role of ICT from idea generation to sustained entrepreneurship using the Iringa region in Tanzania as a case study. This qualitative study delves into the experiences of four grassroots entrepreneurs, revealing the interplay between technology, resource scarcity and the aspirations of those entrepreneurs. Data was collected through semi-structured interviews and was examined extensively using thematic analysis. This revealed how ICT assists innovative young entrepreneurs to identify and utilize …

Economic And Employment Outcomes Of Youth Vocational Education In Tanzania, William George

Tanzanian Economic Review

This study examines vocational education’s effectiveness in addressing youth unemployment and promoting economic self-reliance in Tanzania. Data from 394 vocational graduates were analyzed using descriptive statistics and regression models to assess the impact of vocational training on employment and economic outcomes. Results show that 83.6% of respondents believe vocational education provides essential employment skills, while 62.3% agree it enhances productivity. However, 39.3% highlight the need for reforms to better align training with labor market needs. The findings underscore vocational education's vital role in youth employment, advocating for curriculum updates and increased resources to improve system effectiveness.

Understanding The Complementarity And Substitutability Of Cooking Fuels In Developing Countries: Evidence From 2020/21 Tanzania National Panel Survey, Samwel Saimon Lwiza, Monica Sebastian Kauky

Tanzanian Economic Review

Increasing access to alternative energy sources in developing countries might be a potential for multiple energy consumption rather than switching from traditional to modern ones. This study aims to examine the complementarity and substitutability of cooking fuels and factors influencing households’ choices of such fuels in developing countries. Two categories of cooking energy were considered: traditional (dirty) fuels - firewood, charcoal and kerosene; and modern (cleaner) fuels - Liquefied Petroleum Gas (LPG) and electricity. Based on a nationally representative sample of 5,199 households from the Tanzania National Panel Survey (NPS) of 2020/21, results from a Multivariate Probit model indicate that …

The Role Of Pastinformation, Time, And Emotional Pressure In Heuristic Decision-Making, James Albanus, Martin Chegere

Tanzanian Economic Review

Unlike the assumptions of classical rational choice theory, decision-makers are far less rational and not always self-interested. Decision-makers normally have less than perfect information, face limited time to make decisions, fall into cognitive biases, and reciprocate. Behavioural economics argues that decision-makers typically face bounded rationality and adopt simple, intuitive “rules of thumb” instead of calculating optimal solutions for every decision they make.

Using insights from behavioural economics, this paper explores how people with economic goals make decisions under time and emotional pressure. Specifically, it examines how a goalkeeper, as an economic agent, makes decisions during a penalty session using data …

Do Poverty Traps Exist In Uganda? Household Level Evidence From Panel Data, Alex Aliga, Susan Kavuma, Oryema John Bosco

Tanzanian Economic Review

This study aimed at providing new evidence on the existence of poverty trap among Uganda’s households using Uganda National Panel data. Evidence of the existence of a poverty trap is fundamental in guiding the development of sound policies and interventions targeted to assist in pulling households out of poverty trap. Analysis was based on two sets of panel data comprising 8,122 households from 3 waves (2009/2010-2011/2012) and 12,199 households from 4 waves (2013/2014-2019/2020). Using the PCA constructed asset index approach based on a parametric regression model, we show that a poverty trap exists. This is revealed by the negative quartic …

Revisiting The Twin Deficits Hypothesis: An Empirical Analysis Of The Relationship Between Budget Deficits And Trade Deficits In Tanzania (2003–2023), Enock S. Mwakalila, Rosemary S. Taylor

Tanzanian Economic Review

The Twin Deficit Hypothesis has been extensively examined across various economic contexts, yet its applicability often depends on a country’s unique economic structure and dynamics. This study revisits the hypothesis in Tanzania, analyzing the relationship between the budget and trade deficits using quarterly time series data from 2005 to 2023. Employing a Granger Causality test within a multivariate Vector Error Correction Model, this research explores the direction of causality between the two deficits. The findings confirm a significant short and long-run relationship between the budget and trade deficits. Specifically, the results reveal a unidirectional short-run causality from the trade deficit …

A Revisit Of The Causal Effect Of Debt Burden On Inflation Dynamics In Tanzania, Cornel Joseph, Mirau N. Mbise

Tanzanian Economic Review

This research paper delves into the impact of national debt on inflation in Tanzania. It uses the autoregressive distributed lag model and the Granger causality approach, with quarterly data from 2003 to 2023. The findings show that total debt stock and public external debt have a negative effect on inflation in the long run. Meanwhile, long-term inflation is positively influenced by both private and public external debt. The study also reveals that national debt has a one-way causal relationship with inflation in Tanzania. These results suggest that the government should focus on managing public debt when making decisions to control …

Evaluation Of A Timetabling Software Implemented In Tanzanian Higher Education Context, Anna Kayanda, Lazaro Busagala, Matti Tedre

The African Journal of Information Systems

It is not known whether the combination of two IS system implementation approaches, Design Science Research and eXtreme Programming, can help improve information systems success in the Tanzanian HEI context. To investigate this, this study evaluated a system that was implemented using both approaches. The evaluation used DeLone and McLean’s Information Systems Success Model(D&M) and a mixed research method. The results showed that while neither the system quality nor the information quality influenced the use of the system, service quality and user satisfaction both had an influence on system use (p<0.001). System quality, information quality and service quality, however, were found to have a significant effect on user satisfaction, all three with p<0.001. Furthermore, using the system influenced the perceived net benefits (p<0.001) obtained from using the system. The findings may be helpful to other Tanzanian HEI wishing to implement information systems for their organizations as it shed light on factors that should be considered for a successful implementation. Although the D&M model has been useful on this study, it is limited by its lack of explicit recognition of contextual variables, such as organizational culture, user characteristics, and environmental factors, which can significantly impact system success.

Predicting Crises On The African Frontier Stock Markets With Investor Sentiment Indicators: A Machine Learning Approach, David Korsah, Lord Mensah

Journal of International Technology and Information Management

This study examined the predictive ability of machine learning algorithms in identifying crises within African stock markets. The study employed seven distinct machine-learning models, analyzing historical stock prices from eight stock markets, three major sentiment indicators, and the exchange rates of local currencies against the US dollar, with each data spanning from May 1, 2007, to April 1, 2023. Extreme Gradient Boosting (XGBoost) emerged as the most effective algorithm for predicting crises. Historical stock prices and exchange rates were identified as the most critical features for prediction. On the sentiment side, investors’ perceptions of potential volatility on the S&P 500, …

The Late President Dr. Kenneth Kaunda’S Influence On Wildlife Conservation And Tourism In South Luangwa National Park Of Zambia, Chikondi Banda-Thole, Thomas Kweku Taylor, Thor Larsen

Zambia Social Science Journal

Wildlife in Zambia’s Luangwa Valley has fascinated tourists from the pre-colonial era to date. Writings on the prolific beauty of the region describe the abundance of species and beautiful scenery of the valley. The late President Dr. Kenneth Kaunda declared South Luangwa a National Park in 1971. He further facilitated the Luangwa Integrated Rural Development Project (LIRDP) funded by the Norwegian Agency for Development Cooperation (NORAD) to support the management of the Park and engage local communities in conservation efforts and livelihood development. The South Luangwa National Park and adjacent Game Management Areas were Dr. Kaunda’s preferred destination for work …

Cameras For Girls: Nonprofit Spotlight, Angie Holzer

Journal of Nonprofit Innovation

No abstract provided.

Crisis Management: Unveiling Information And Communication Technologies’ Revamped Role Through The Lens Of Sub-Saharan African Countries During Covid-19, Ruthbetha Kateule, Egidius Kamanyi, Mahadia Tunga

The African Journal of Information Systems

The management of COVID-19 pandemic has revealed inefficiencies in coordinating global response, particularly in African countries. Therefore, creating an urgent need to examine the literature on Information and Communication Technologies (ICT) in crisis management to appreciate its contextual role. Employing a systematic review, using the Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA), this paper critically assessed the extent of the use of ICT in crisis management in Africa’s response to COVID-19 to reconstruct its resilience against future crises. Findings indicate that while countries with limited ICT infrastructure faced considerable challenges in utilizing ICT solutions in COVID-19 management, countries …