Business Commons^™

Enabling Factors And User Requirements For Microcredit Services Through Mobile Devices - Dar Es Salaam Tanzania Context., William Clifford Gomera, Jarkko Suhonen Dr., George Oreku Prof.

The African Journal of Information Systems

Microfinance institutions (MFIs) play a considerable role in providing capital to micro businesses (MBs) through microcredit services. However, the interplay between MFIs and MB owners has been hindered by several factors, such as challenges with information sharing. The current study aims at identifying the specific challenges of microcredit services in Dar es Salaam, Tanzania, and also at determining the enabling factors, preferred features, and general requirements for a mobile technology solution to support the interplay between MFIs and MBs. The participants in the study were 91 MB owners and 22 MFI officers, and the data for the study were collected …

Mobile Technology Usage For Street Traders’ Market Search In Dodoma—Urban Tanzania: An Exploratory Study, Joel Rumanyika, Matti Tedre, Apiola Mikko, Nasibu Rajabu Mramba

The African Journal of Information Systems

Increased access to mobile technologies has significantly contributed to almost all types of work, including informal work. Mobile phones are one such technology that has been exponentially adopted and used by street traders. However, there is limited information about how street traders use mobile phones to search for new markets. This study investigated street traders’ mobile usage for new market search in Dodoma, Tanzania. Qualitative data were collected using in-depth interviews with 29 street traders, followed by a focus group discussion with eight street traders. Thematic analysis was used to analyze the data. The results show that using mobile phones …

The Impact Of Mobile Technology On Micro And Small Enterprises In Zimbabwe In The Post-Hyperinflation Economic Era, Gamuchirai B. Perekwa, Tania Prinsloo, Jp Van Deventer

The African Journal of Information Systems

This paper investigates the impact of mobile technology on Micro and Small Enterprises (MSEs) in the developing world in the post-hyperinflation era. Data was collected from a multi-staged sample of 114 MSE owners within the capital province of Zimbabwe, namely Harare. The data was collected and analysed using descriptive quantitative survey methods, which comprised of hard-copy questionnaires, structured interviews and online questionnaires.

The findings suggest that mobile technology has incremental, transformational and production influence on MSEs in Zimbabwe. The findings show that mobile technology amplifies communication and relations with customers, MSE’s productivity and MSE’s revenues. Mobile technology is also spurring …