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Prediction And Control Of Ground Vibrations Due To Blasting Activities In Aggregate Mines, Iddi Ramadhani Bulushi, Geleta Warkisa Deressa, Bhanwar Singh Choudhary Feb 2025

Prediction And Control Of Ground Vibrations Due To Blasting Activities In Aggregate Mines, Iddi Ramadhani Bulushi, Geleta Warkisa Deressa, Bhanwar Singh Choudhary

Journal of Sustainable Mining

Predicting and controlling ground vibrations from blasting is crucial for protecting structures and minimizing environmental impacts. This study investigates how explosive quantity and scaled distances affect peak particle velocity and establishes empirical equations to estimate this velocity at different distances from the blast area. The study found that the maximum charge per delay at a peak particle velocity of 10 mm/s was reduced to 13.46% as the delay timing was increased from 0 to 25 ms and 9.99% from 0 to 50 ms delay timing. The reduction of maximum charge with increasing delay timing leads to the reduction of ground …


Strategies For Enhancing The Ability Of Rural Farmers To Deal With Challenges Of Climate Change Through Adult Education Programme In South East, Nigeria, Abaobi David Agbo Dr., Ngozi Justina Igwe Dr., Onyinye Regina Ekere, Stella C. Nwizu Prof. Feb 2025

Strategies For Enhancing The Ability Of Rural Farmers To Deal With Challenges Of Climate Change Through Adult Education Programme In South East, Nigeria, Abaobi David Agbo Dr., Ngozi Justina Igwe Dr., Onyinye Regina Ekere, Stella C. Nwizu Prof.

Library Philosophy and Practice (e-journal)

Agriculture has become the main stay of the economy of developing countries in the world especially south-east, Nigeria. Rural farmers in South-east, Nigeria have suffered significant losses due to extreme weather events and natural disasters attributed to climate change such as severe flooding, drought, decease and pest attack etc. The responses and reactions of rural farmers to these extreme weather events and natural disasters has suggested that there is a lack knowledge of climate change. This study therefore is aimed at developing strategies that could help enhance the ability of rural farmers to cope and deal with the effects of …


Evaluation Of A Timetabling Software Implemented In Tanzanian Higher Education Context, Anna Kayanda, Lazaro Busagala, Matti Tedre Feb 2025

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.


A Case Study Of Makerere University In Uganda, Christina L. Hand Feb 2025

A Case Study Of Makerere University In Uganda, Christina L. Hand

Journal of Comparative & International Higher Education

No abstract provided.


Full Issue 17(1) 2025 Feb 2025

Full Issue 17(1) 2025

Journal of Comparative & International Higher Education

No abstract provided.


China And Russia In Africa: The Case Of Togo, Eli J. Messanh Feb 2025

China And Russia In Africa: The Case Of Togo, Eli J. Messanh

Dissertations, Theses, and Capstone Projects

This thesis examines the impacts of China and Russia’s influence in Africa and focuses on the case of Togo, looking into how the increase in China and Russia’s presence on the continent affects the latter, the similarities and differences of their engagements, and what Africans as well as Togolese think of the proliferation of China and Russia’s influence in their countries. Using a mixed-methods approach with discussions and in-depth literature reviews, the research concludes that China and Russia’s relations vis à vis African countries produce both positive and negative effects, however, the negative effects outweigh the positive. It is therefore …


World Transit Research February 2025 Newsletter, Institute Of Transport Studies Monash University Feb 2025

World Transit Research February 2025 Newsletter, Institute Of Transport Studies Monash University

World Transit Research Newsletter

No abstract provided.


Socio-Demographic And Clinico-Obstetric Profile Of Human Immunodeficiency Virus And Hepatitis B Virus Positive Antenatal Clinic Attendees In A Cottage Hospital In Nigeria: A Five-Year Retrospective Study, Alphonsus Rukevwe Isara, Akinwumi Fajola, Olusola Peter Aduloju, Rebecca Ogbimi Jan 2025

Socio-Demographic And Clinico-Obstetric Profile Of Human Immunodeficiency Virus And Hepatitis B Virus Positive Antenatal Clinic Attendees In A Cottage Hospital In Nigeria: A Five-Year Retrospective Study, Alphonsus Rukevwe Isara, Akinwumi Fajola, Olusola Peter Aduloju, Rebecca Ogbimi

Indian Journal of Health Sciences and Biomedical Research KLEU

BACKGROUND: Sexually transmitted infections especially HIV and HBV significantly contribute to morbidity and mortality in pregnant women and their children especially in sub-Saharan Africa.

OBJECTIVE: This study reviewed the socio-demographic, clinical and obstetric profile of HIV and HBV positive pregnant women attending ANC in Obio Cottage Hospital, Port Harcourt, Nigeria.

METHODOLOGY: A retrospective cross-sectional study which reviewed the records of HIV and HBV positive pregnant women who attended ANC clinic from January 2018 to December 2022. Data was analyzed using SPSS version 26.

RESULTS: A total of 496 pregnant women with a mean age of 31.3 ± 4.9 years …


Long-Range Inertia Prediction Considering Contemporary Evolution Of Power Grid Networks, Peter M. Makolo Jan 2025

Long-Range Inertia Prediction Considering Contemporary Evolution Of Power Grid Networks, Peter M. Makolo

Tanzania Journal of Engineering and Technology (TJET)

Reduced network inertia due to high penetration levels of non-synchronous generators in modern power systems is becoming a pressing issue. As a result, very quick inertial responses are observed after contingency events in networks. Due to quick inertial responses, there is a practically very limited time interval for control actions in real-time. Thus, system operators need to understand the prior inertia values to plan, control, and operate the network securely. Long-range forecasting of the network's inertia values, in contrast to short-range forecasting techniques, can pinpoint when the network is most likely to be vulnerable in a reasonable time ahead. Thus, …


"Architectural Utopias: The Pedagogy Of Still-Existing Socialist Infrastructure" In From The Academy To The Streets: Notes From A Working Class Think Tank, Derek R. Ford Jan 2025

"Architectural Utopias: The Pedagogy Of Still-Existing Socialist Infrastructure" In From The Academy To The Streets: Notes From A Working Class Think Tank, Derek R. Ford

Education Studies Faculty publications

This article illuminates the significance of aesthetics, architecture, and political struggles by turning to concrete historical examples of socialist urbanism and city planning. In addition to drawing out architecture as a prime exemplar of political art, I find it a useful model for pedagogical politics. More specifically, these examples illustrate the inherently political nature of all education and of Paulo Freire’s utopian pedagogy. Although some mischaracterize Freire’s conception of the educational relationship as one of absolute equality, Freire always maintained the teacher can start as a learner but can never stay a learner. To start implies direction, and political pedagogy …


Advances And Trends Of Modern And Contemporary Research On The Geology Of Coal-Measure Minerals In China, Qin Yong Jan 2025

Advances And Trends Of Modern And Contemporary Research On The Geology Of Coal-Measure Minerals In China, Qin Yong

Coal Geology & Exploration

Background Coal-measure minerals (CMMs) play a significant role in ensuring the safe supply of mineral resources in China. Reviewing the advances and trends of research on the geology of CMMs in China holds great historical significance and practical value while potentially providing some insights into subsequent research. Advances Based on textual research and the analysis of logical relations, this study generalized the advances in research on the geology of CMMs in China into four aspects. (1) Increasingly improved geological theory system of CMMs: China’s classic theoretical system of coal field geology was formed in the second half of the 20th …


Heavy Metals Pollution In Roadside Ecosystems, Lilian Matafu Jan 2025

Heavy Metals Pollution In Roadside Ecosystems, Lilian Matafu

Tanzania Journal of Engineering and Technology (TJET)

Heavy metals refer to metallic elements that are characterized by having a relatively high density and they are toxic or poisonous even at low concentration. They are environmental pollutant owing to toxicity and longevity in atmosphere and ability to accumulate in living things via bioaccumulation. They tend to enter in different system such as food chain. Analyses of water, soil sediment and the surrounding growing plants (Cynodon dactylon and Cyperus species) for selected heavy metals (Cd, Pb, Zn and Cu) were conducted on a roadside pond located at Boko MSB, Dar es Salaam. Pond water, soil sediments and plant samples …


Assessment Of Wind Speed Characteristics And Available Wind Power Potential For Electricity Generation In Tanzania, Mwingereza John Kumwenda Jan 2025

Assessment Of Wind Speed Characteristics And Available Wind Power Potential For Electricity Generation In Tanzania, Mwingereza John Kumwenda

Tanzania Journal of Engineering and Technology (TJET)

The energy demand and its associated crises are attracting significant attention due to population increase and economic growth especially in developing countries. Fossil fuel-based energy source stand as a prominent anthropogenic resource but they are accompanied with increased carbon emissions and heightened environmental concerns. Renewable energy sources such as wind energy can offers a lot of potential for sustainable growth in the energy sector of developing nations like Tanzania. Thus, this work investigated wind speed characteristics and available wind power potential in six selected regions in Tanzania with different topographical features for future electricity generation. The data of the wind …


Performance Evaluation Of Free Space Optical Communication In Dar Es Salaam: Impact Of Scintillation And Modulation Schemes, Mustafa H. Mohsini Jan 2025

Performance Evaluation Of Free Space Optical Communication In Dar Es Salaam: Impact Of Scintillation And Modulation Schemes, Mustafa H. Mohsini

Tanzania Journal of Engineering and Technology (TJET)

Free space optical communication (FSO) holds significant relevance in the modern communication system as it offers high and unlimited data rates, enhanced security, rapid deployment, and low cost for installation. However, the performance of FSO transmission is greatly affected by harsh atmospheric conditions such as wind, temperature, and humidity, which induce scintillation. With the rapid growth of internet users and Dar es Salaam being a business city in Tanzania, higher and unlimited bandwidth for communication is highly demanded. This study primarily aims to evaluate the performance of FSO transmission in Dar es Salaam, Tanzania, by investigating the impact of atmospheric …


Improved Minimum Variance Channel Estimation Techniques For Ofdm Systems, Kwame S. Ibwe Jan 2025

Improved Minimum Variance Channel Estimation Techniques For Ofdm Systems, Kwame S. Ibwe

Tanzania Journal of Engineering and Technology (TJET)

Orthogonal frequency division multiplexing (OFDM) systems face challenges in channel estimation due to noise, variability, and the doubly dispersive nature of wireless channels, which degrade performance. To address these challenges, a multichannel minimum variance double dispersive channel estimator is proposed. The method employs a hybrid approach that combines subspace and minimum variance techniques, optimizing the filter bank output power under a signal-to-noise ratio (SNR) constraint. This design preserves the desired signal while effectively suppressing disturbances, achieving robust performance with reduced computational complexity compared to existing methods. Simulation results demonstrate that the proposed estimator outperforms subspace and asymptotic methods in terms …


Assessment Of Adaptation And Diffusion Of Biogas Technology A Case Study Of Dar Es Salaam City, Tanzania, Doreen L. Tarimo Jan 2025

Assessment Of Adaptation And Diffusion Of Biogas Technology A Case Study Of Dar Es Salaam City, Tanzania, Doreen L. Tarimo

Tanzania Journal of Engineering and Technology (TJET)

This study investigated the adaptation and diffusion of biogas technology in Dar es Salaam, driven by the increasing need for sustainable energy solutions. The study’s is rooted in addressing urban energy challenges and providing an eco-friendly waste management alternative. Various factors, including socioeconomic variables, technical efficiencies, and community-level acceptability, were examined to assess the technology’s adaptability and diffusion. Data collection methods and techniques included lab analysis using American public health association (APHA) standard methods, interviews, questionnaire administration the data analysis was undertaken using statistical package for the social sciences (SPSS) with a sample size comprising 100 household heads from Mburahati, …


Design And Implementation Of Secured Hybrid Gateway Node For Securing Iot - Enabled Distribution Automation, Ally Bitebo Jan 2025

Design And Implementation Of Secured Hybrid Gateway Node For Securing Iot - Enabled Distribution Automation, Ally Bitebo

Tanzania Journal of Engineering and Technology (TJET)

The integration of smart grid and Internet of Things (IoT) technologies plays a crucial role in enhancing the quality of services provided by traditional electrical grids. This combination has enabled the introduction of new services, such as demand response, automatic meter reading, and IoT-enabled Distribution Automation (IoT-DA), which incorporates sensors, actuators, intelligent electrical devices (IEDs), and information and communication technologies to monitor and control the grid. However, this integration also introduces network security risks, including Denial of Service (DoS) attacks, false data injection, and masquerading attacks, such as system node impersonation that can transmit incorrect readings, trigger false alarms, and …


Effects Of Thermal Shock Protection Methods On Pressure Measurements In A Rapid Compression Machine, Myeji Materego Jan 2025

Effects Of Thermal Shock Protection Methods On Pressure Measurements In A Rapid Compression Machine, Myeji Materego

Tanzania Journal of Engineering and Technology (TJET)

The study investigates the impact of thermal shock protection methods on pressure measurements in Rapid Compression Machines (RCMs). It focuses on the performance of various pressure transducers, specifically 601A, 701A, 6061B, and 7005, under atmospheric initial conditions. The research emphasizes the importance of mounting techniques and coatings, revealing their significant effects on pressure trace accuracy. Special mounting adaptors for the pressure transducers were designed and manufactured, this enabled simultaneous measurements for all transducers to be made in a single compression stroke. Instantaneous pressure within combustion chamber was measured when air was compressed in RCM from initial pressure and temperatures of …


A Bibliometric Analysis Of Pat-Seig Evolution As An Alternative Energy Generation Method, Emanuel J. Nyirenda Jan 2025

A Bibliometric Analysis Of Pat-Seig Evolution As An Alternative Energy Generation Method, Emanuel J. Nyirenda

Tanzania Journal of Engineering and Technology (TJET)

Pumps as Turbines (PATs) coupled with Self-Excited Induction Generators (SEIGs) as an alternative energy generation method have been the subject of significant research in recent years. This paper presents a bibliometric analysis of the evolution of PAT-SEIG technology as an alternative energy generation source. An analysis of a comprehensive dataset of peer-reviewed journal articles, conference proceedings, and patents related to PAT-SEIG systems, using advanced bibliometric techniques and PRISMA to identify key research themes, influential authors, the growth of the field and patterns of collaboration, and changes in research focus over time. Over a publication period of 32 years, a total …


Review On State Of Art Of Smoothed Particle Hydrodynamics Method And Its Advances In Solid Dynamics, Harold J. Mtyana Jan 2025

Review On State Of Art Of Smoothed Particle Hydrodynamics Method And Its Advances In Solid Dynamics, Harold J. Mtyana

Tanzania Journal of Engineering and Technology (TJET)

The world is witnessing continued collapse of both buildings and other structures during earthquakes, which is an example of a dynamic effect. One cause of such disasters may be inadequacies of techniques for modeling of these structures during analysis and design as compared to their actual responses during dynamic events. Also, techniques for numerical modeling and analysis of structures in place are meshed methods which do not accurately capture the actual behavior of structural elements especially under high dynamic actions due to the assumption that mesh geometry is unchanged geometry tend to change with respect to time step of such …


Effectiveness Of Natural Coagulants In Purification Of Industrial Wastewater: A Case Of Cactus Pads And Watermelon Seeds, Neema O. Msuya Jan 2025

Effectiveness Of Natural Coagulants In Purification Of Industrial Wastewater: A Case Of Cactus Pads And Watermelon Seeds, Neema O. Msuya

Tanzania Journal of Engineering and Technology (TJET)

This study assessed the potential of cactus pads and watermelon seeds as natural coagulants in industrial wastewater treatment. The global characterization of the two coagulants was done by using the Fourier Transform Infrared (FTIR) to determine the specific functional groups and by zeta potential measurements. A full factorial design was used to design the experiment and analyze the effect of three factors: coagulant dosage, settling time and particle size with three levels each and one replicate on the turbidity removal. ANOVA analyses were used to determine the significance of the factors. Results show that the amino and hydroxyl groups in …


Use Of Activated Palm Kernel Shells On Adsorption Of Heavy Metals (Cu2+ And Pb2+) From Contaminated Wastewater, Edwin N. Richard Jan 2025

Use Of Activated Palm Kernel Shells On Adsorption Of Heavy Metals (Cu2+ And Pb2+) From Contaminated Wastewater, Edwin N. Richard

Tanzania Journal of Engineering and Technology (TJET)

This research aimed to evaluate the adsorption capacity of low-cost agricultural waste adsorbent-activated palm kernel shells (APKS) for the removal of Pb2+ and Cu2+ ions from synthetic wastewater that had the concentration of copper and lead ions comparable to that of waste produced in Tanzanian research and teaching laboratories. This study was carried out in batch and continuous column adsorption reactors. The study examined the influence of particle size (0.71 mm–2.36 mm), pH (4.5–8.6), adsorbent dose (5–20 mg/L) and initial concentration Ci (1.93– 4 mg/l) on APKS adsorption removal efficiency. The batch results indicated that under alkali conditions (pH 8.4 …


Effects Of Technical Debt On Software Interoperability, Leonard Peter Binamungu Jan 2025

Effects Of Technical Debt On Software Interoperability, Leonard Peter Binamungu

Tanzania Journal of Engineering and Technology (TJET)

Technical debt (TD) refers to sub-optimal development decisions that make the software costly to maintain and evolve. Examples of TD include structural complexity, violation of coding styles, and code complexity. Existing research has investigated the nature, causes and indicators of TD, as well as tools and strategies for managing TD. However, although TD could hinder the ability of a software system to be interoperable with others, existing literature has limited evidence on how TD affects systems interoperability. This limits the ability of software engineering teams to manage TD in ways that do not hinder systems interoperability. To fill this void, …


Efficient Operation Of Direct Coupled Solar Home Pv System: A Case Of Solar Home Pv System Installed In Dodoma, Tanzania, Sarah P. Ayeng'o Jan 2025

Efficient Operation Of Direct Coupled Solar Home Pv System: A Case Of Solar Home Pv System Installed In Dodoma, Tanzania, Sarah P. Ayeng'o

Tanzania Journal of Engineering and Technology (TJET)

Direct coupled Photovoltaic (PV) system is a common topology among most of the off-grid communities in the world. This topology has less components hence resulting in low investment costs. However, it suffers much losses when battery operating voltage is far from maximum power point voltage of PV modules. This scenario can be attributed by different factors such as; variation in solar radiation, load profile and temperature. Efficient operation of these systems is required in order to reduce losses. Usually in direct coupled system, PV modules are connected in parallel with batteries through a charge controller hence making PV output to …


“Two Friends” By Fadhy Mtanga, Translated By Jay Boss Rubin, Jay B. Rubin Jan 2025

“Two Friends” By Fadhy Mtanga, Translated By Jay Boss Rubin, Jay B. Rubin

Living in Languages

No abstract provided.


Embracing Digital Disruption In Tanzania: Insights From Mwananchi Communications Ltd's Print-To-Digital Multimedia Journey, Absalom Norman Kibanda Jan 2025

Embracing Digital Disruption In Tanzania: Insights From Mwananchi Communications Ltd's Print-To-Digital Multimedia Journey, Absalom Norman Kibanda

Executive Masters in Media Leadership and Innovation

This capstone study investigates the profound impact of digital transformation on print media, employing Mwananchi Communications Ltd (MCL) in Tanzania as a case study, elucidating the intricate fusion of cultural transformation and strategic shifts in response to this disruption. With an in-depth exploration of theoretical frameworks like Networked Communication Theory and Media Convergence Theory, this study underscores the evolution of MCL's culture and the paradigm shift in the mindset of its staff and readers since the company's strategic embrace of multimedia strategies. MCL's transformative journey, characterized by the adoption of innovative multimedia platforms, including a website, paywall approaches, subscription models, …


Navigating Barriers: Challenges And Strategies For Adopting Artificial Intelligence In Qualitative Research In Low-Income African Contexts, Kahabi Isangula Jan 2025

Navigating Barriers: Challenges And Strategies For Adopting Artificial Intelligence In Qualitative Research In Low-Income African Contexts, Kahabi Isangula

School of Nursing & Midwifery, East Africa

Introduction:

 AI is transforming qualitative research. It enhances efficiency, accuracy, and depth in studies. Technologies like machine learning (ML), natural language processing (NLP), and large language models (LLMs) simplify tasks like transcription, coding, and thematic analysis. However, in low-income African settings, there are barriers to AI adoption. These include ethical concerns, infrastructure limitations, financial constraints, and technical skill gaps. Issues around data privacy and the dehumanization of research also add challenges.

Methods: 

This paper explores the challenges and opportunities of AI in qualitative research in low-income African contexts. It uses a descriptive approach, reviewing literature and personal experiences from rural …


Time To Measure: A Proposed Theoretical Model For Head And Neck Cancer Intervals Of Care, Mary Jue Xu, Hannah Decker, Arianne Abreu, Rolvix H. Patterson, Hirwa Nteyumwete, Pier-Luc Beaudoin, David W. Hamilton, Aslam Nkya, Willybroad Massawe, Nicholas Correia, Furahini Yoram Paulo, Katherine Van Loon, Susan D. Emmett, Christina Reaves, Samuel Okerosi Jan 2025

Time To Measure: A Proposed Theoretical Model For Head And Neck Cancer Intervals Of Care, Mary Jue Xu, Hannah Decker, Arianne Abreu, Rolvix H. Patterson, Hirwa Nteyumwete, Pier-Luc Beaudoin, David W. Hamilton, Aslam Nkya, Willybroad Massawe, Nicholas Correia, Furahini Yoram Paulo, Katherine Van Loon, Susan D. Emmett, Christina Reaves, Samuel Okerosi

Otolaryngology (ENT) Resident Research

Head and neck cancer care delays are challenging, given the complexity of cancer care pathways, which leads to delays throughout the patient journey, from the symptom onset to treatment completion. Current models and literature addressing cancer care are limited by heterogeneous definitions of care intervals, a focus on specific aspects of the patient journey instead of the whole care continuum, and limited use of implementation science to target gaps in implementing evidence-based interventions. Here, we propose the Head and Neck Cancer TImely aCess TO Care Model as an approach to conceptualize, measure, and address delays in diverse health systems.


Cascade Approach On Teachers' Continuous Professional Development To Improve Learning Outcomes In Pre-Primary And Primary Education: Experience In The Implementation Of The F4l Project In East Africa., Fortidas Bakuza, Nyagwegwe Wango, Jane Rarieya Jan 2025

Cascade Approach On Teachers' Continuous Professional Development To Improve Learning Outcomes In Pre-Primary And Primary Education: Experience In The Implementation Of The F4l Project In East Africa., Fortidas Bakuza, Nyagwegwe Wango, Jane Rarieya

Institute for Educational Development, East Africa

The cascade method in education is a scalable and affordable continuous professional development (CPD) strategy that entails training a subset of teachers who impart newly learned knowledge to their peers. Enhancements to teachers' knowledge and abilities are among its positive results; nonetheless, problems such as content misunderstandings show how much improvement is required. This paper presents a study that examined the efficacy of a cascading approach to teacher professional development. According to this study, the most effective training approaches emphasize reflection and experience. Thus far, the cascade approach has shown potential for improving teaching methods and fits in with the …


Credit Scoring In Digital Lending: A Stepwise Logistic Regression And Weight Of Evidence Approach In Kenya, Howard Omukami, Cynthia Mwau, Denis Kuria Wangui, Andrew Mbuya Jan 2025

Credit Scoring In Digital Lending: A Stepwise Logistic Regression And Weight Of Evidence Approach In Kenya, Howard Omukami, Cynthia Mwau, Denis Kuria Wangui, Andrew Mbuya

Institute for Educational Development, East Africa

Mobile money lending has grown rapidly in recent years, with one of the major challenges being the determination of borrowers' creditworthiness, a classification problem complicated by credit risk and the choice of appropriate scoring models. Credit scoring, which uses statistical analysis of historical borrower data to estimate repayment likelihood, remains a critical tool for financial institutions in assessing lending risk. This study evaluates borrower creditworthiness using historical data from Mobipesa Limited, a digital lending company based in Nairobi, Kenya. Data were collected from 495 borrowers over one year, comprising 33 predictor variables (32 numeric and one categorical). Stepwise logistic regression …