Despite significant progress in increasing female participation in national politics, Tanzanian households are still predominately run by men. Gender norms which define women as houseworkers and men as providers continue to pervade widespread notions that put a heavy burden on the backs of women and hinder an equal division of household labor, regardless of women’s employment situation. Although often disfavored in this patriarchal structure, research has found that women sometimes desire men to adapt to a role that further establishes these norms. This study examined how women and men in Babati town construct masculinities and the male role in romantic relationships, and how officially contested gender roles persist. Primary data was collected through qualitative interviews and focus groups with primarily highly educated married women and men in Babati town. The data was analyzed using a theoretical framework based on masculinities in gender relations and African notions of feminism. Moreover, explanations and rationalizations of gender inequality were deconstructed and categorized in a content-oriented analysis to explicate the resilience of dominant ideologies. The study found that men are expected to have a job and to make sure that the basic needs of the family are met. Most men did not construct ideal masculinity as mutually exclusive to cooking and cleaning, and neither did any woman. However, men often exempted themselves from household labor by arguing that African culture does not allow men to cook and clean unless the wife is sick or otherwise incapacitated.

“To build a nation in the true sense (...) is to build the character of its people-of ourselves, to build an attitude of mind which will enables us to live together with our fellow citizen (...), in mutual friendliness and cooperation” Tanzania is a country consisting of more than 130 ethnicities and three major religions. It is surrounded by continuous conflict which could be seen as a suitable environment for identity-related violence to flourish, but instead it is a country that should be seen as a role model in dealing with ethnic religious identities through a self-created system, which includes a political vision and an ideology. The purpose of this thesis has been to explore and describe a country that has worked through politics for a society that has a place for religion, but not religion mixed with politics. The study is based on secondary empirical material and on field work done in the Babati district in Tanzania. The result is important for several reasons, in today’s identity-focused world, since it illustrates the need to recognize people's multiple identities, to be able to integrate to create a foundation of tolerance and respect between religions.

This case study was conducted to give an in-depth analysis of the local stakeholder’s views on the role of education in Babati, Tanzania. The goal is to investigate differences and similarities between the views in Babati and mainstream western views, exemplified by the theory of Martha Nussbaum and Amartya Sen while being attentive to gender and socioeconomic differences. The purpose of this study is to examine local stakeholders' views, mainly guardians and educators on the role of education and to relate these to western mainstream views. The study results have been achieved with the help of the fieldwork executed in Babati, Tanzania where interviews and observations were made.  Previous literature emphasizes that education is considered necessary for enabling problem-solving, and fostering individual and societal advancements. Further, education is declared to be a right for all on the justification that it works to strengthen the respect of human rights, fundamental freedom and the development of human personality. Despite the consensus on the importance of education, the role of education remains complex and differs across contexts and socioeconomic groups, including gender and socioeconomic differences.  The quality, access, and attitudes to education in Tanzania have changed during recent years. These changes resonate with, among other things, higher enrollment, increased number of schools, educators with higher qualifications, and food served at school. The results show that education is perceived as central in the widely agreed upon quest to shape children into “good people” and that lead “good lives”. Although there are obstacles that hinder people from achieving these outcomes and reaching their fullest potential.

Tanzania is among the poorest countries in the world, with most of its population living in rural areas. Like most other developing countries, rural households' access to financial services is very limited. The government has adopted series of economic reform measures since mid-1980s that include financial liberalization. Liberalization of the financial sector facilitated participation of private financial institutions, restructuring of public financial institutions and privatization, elimination of interest rate controls, credit allocation and targeting. In addition, the role of the Bank of Tanzania in supervision and regulation of financial institutions was strengthened. Following the privatization of the financial sector, the number of financial service providers increased and diversified, which include commercial banks, development banks, insurance and social security funds, and capital markets. The role of the central bank was re-defined and strengthened in terms of price stability, supervision and regulation. Although there is an increase in financial sector service providers and products, rural households' access to financial services did not improve. To the contrary access to formal financial services is diminishing significantly, hence making poverty reduction initiatives more difficult. This study analyzed constraints to access to rural financial services, examined its impact on rural households' livelihoods, and recommended appropriate financial sector development strategies. The data for the study were collected from various sources - both primary and secondary. Primary data were collected from selected thirteen villages in Babati and government offices in the district through interviews, focus group discussions, questionnaire, and observation. Secondary information was gathered from documentary sources in the form of reports, records and review of literature. A combination of analytical tools was used - qualitative and quantitative. The study observed that history of rural finance in Tanzania is associated with colonialization of Tanganyika. The German colonial administration was the first to introduce establishment of modern commercial banking in the country in 1905 when the Deutsche Ostafrikanische bank opened a branch in Dar es Salaam. The British colonial administration, after the defeat of Germans in World War I, promoted establishment of commercial banks in Tanganyika in order to support commercialization of the economy. Consequently, German banks were replaced and commercial bank branches were established in other parts of the country. The independent government undertook massive re-organization of the financial sector and much attention was put on agricultural credit. Agricultural credit was organized through specialized agricultural credit organizations that corroborated with state owned commercial banks. However, the co-operative movement were assigned important role in credit administration on the ground as they are closer to the beneficiaries. The financial structure after independence up to the 1990s, when reforms were ushered in, is characterized by state owned financial institutions with pervasive interference. Credit was directed on the basis of the government priorities with little regard to credit worthiness analysis. The National Bank of Commerce (NBC) and Co-operative and Rural Development Bank (CRDB) were the dominant banks that implemented the government monetary policy. Emphasis was put on credit and savings mobilization was neglected. The CRDB operated mostly on managing donor funds meant for rural development. Liberalization of the financial sector was introduced through the Banking and Financial Institutions Act (BAFIA) of 1991 to address the weaknesses observed in the financial sector. It was envisaged to improve access to financial services through enhanced competition, increased and diversified financial products and providers, and improved integration of the financial system. However, assessment of the impact of the financial liberalization has mixed results. While there are distinct expansion in financial institutions, products and services; these are more concentrated in urban areas and accessed mostly by wealthy clients. Consequently, rural households' access to finance is diminishing. On the other hand, most financial institutions continue to employ traditional banking approaches - of insistence on collateral, preference for less risky category of clients, bias towards large loans, and bureaucratic procedures in providing loans. Besides, there are limited initiatives in product innovation, design of appropriate delivery mechanisms, and high interest rates spreads that discouraged potentials borrowers and depositors. As a result of poor access to financial services, most households have strengthened self-financing mechanisms through the informal arrangements. Although, the semi-formal - especially member based financial institutions and some Financial NGOs (FiNGOs) are attempting to correct the financial imbalances, their outreach, products and services are still limited. While there are improvement in supervision and regulation of the financial sector, it must be noted that prudential regulation and supervisions as part of the financial infrastructure if not carefully used, will undermine the efficiency of the financial market. The study concludes that rural households need a variety of financial products that include savings facilities, loans, insurance, leasing, and means of transfer payments. The degree of demand for these products is, however, determined by household's level of poverty, household size, level of education and skills, life cycle needs, and local market opportunities. However, financial sector reforms had little impact on households' livelihoods. Its implementation is associated with an increase in inequalities and poverty. Besides, there is a reduced funding as well as investment in agriculture, which forms the key sector of the economy. Consequently, the performance of the agricultural sector has been declining although its contribution to GDP is still significant. Assessing the supply and demand for rural financial services, it is concluded that rural areas are hardly served by banks hence limiting access to financial services. Prior to liberalization, government owned financial institutions provided limited financial services to rural areas organized through co-operatives and specialized credit agencies. CRDB was responsible for organization of credit for farm inputs, while NBC provided crop finance. In addition, CRDB also facilitated rural development programmes through donor funds. With the liberalization of the financial sector - co-operatives have collapsed, development banks are no longer active, and commercial banks have withdrawn from serving rural areas, thus creating a "supply gap" that is being replaced by informal finance. Furthermore, the study observed that demands for financial services is determined by age of the borrower, household size, and distance from a financial institution, the cost of borrowing that include loan transaction costs plus interest rate charged, bank procedures and conditions, policy and regulatory framework and institutional and infrastructural conditions. The study recommends the following: (i) Continued efforts for establishment of supportive macroeconomic and sectoral policies - financial, fiscal, monetary & rural development - and legal and regulatory framework that facilitates the growth of the rural financial markets, (ii) A facilitative intervention by the government in the development of the financial markets that addresses the national poverty reduction development objective through economic growth is required. The desired actions are those that focus on improvement in demand for financial services, reduced bureaucratic banking conditions, reduced transactions costs, improved infrastructure, and reduction of other structural bottlenecks limiting access to financial services, (iii) Development of appropriate financial institutions and products relevant for the rural sector requires government guidance through policy, development of appropriate financial infrastructure (legal, regulation and information), and incentive mechanisms. (iv) Intervention by the government in institutional and infrastructural development is required so as to facilitate the functioning of markets. There must be purposive investment strategy that supports development of the public infrastructure - such as transport and communication, electricity, security system, and research and development. Institutional development - judiciary machinery, credit bureaus, and property rights and business registry are required. Furthermore, training and capacity building so as to change peoples' mindsets concerning loans and savings mobilization, and (v) There is a need for building up a "New Role" for financial institutions. Financial institutions need to revisit their financial terms and conditions in favor of the development of RFMs, especially in terms of bank conditions, interest rate spreads, demand for collateral, and requirements for addressing the needs of the poor and rural population, Furthermore, financial institutions need to become more innovative in developing new products and services, improvement in organization of rural financial institutions, delivery mechanisms, and establishment of the institutional framework for integration of MFIs into the national financial system in the country. The following areas require further studies: (i) development of realistic rural development strategy that covers, among others, the development of the financial markets, (ii) institutionalization of the rural property ownership rights in order to establish how these can be used productively, through say mortgage, collateral, and/or sale for cash income, and (iii) Mechanisms for enforcement of loan repayments in rural areas - especially the lessons from informal operators. Experiences have shown that under informal credit arrangements, there are few default cases as opposed to formal commercial credit practices. / Development Studies / D. Litt. et Phil. (Development Studies)

Tanzania is among the poorest countries in the world, with most of its population living in rural areas. Like most other developing countries, rural households' access to financial services is very limited. The government has adopted series of economic reform measures since mid-1980s that include financial liberalization. Liberalization of the financial sector facilitated participation of private financial institutions, restructuring of public financial institutions and privatization, elimination of interest rate controls, credit allocation and targeting. In addition, the role of the Bank of Tanzania in supervision and regulation of financial institutions was strengthened. Following the privatization of the financial sector, the number of financial service providers increased and diversified, which include commercial banks, development banks, insurance and social security funds, and capital markets. The role of the central bank was re-defined and strengthened in terms of price stability, supervision and regulation. Although there is an increase in financial sector service providers and products, rural households' access to financial services did not improve. To the contrary access to formal financial services is diminishing significantly, hence making poverty reduction initiatives more difficult. This study analyzed constraints to access to rural financial services, examined its impact on rural households' livelihoods, and recommended appropriate financial sector development strategies. The data for the study were collected from various sources - both primary and secondary. Primary data were collected from selected thirteen villages in Babati and government offices in the district through interviews, focus group discussions, questionnaire, and observation. Secondary information was gathered from documentary sources in the form of reports, records and review of literature. A combination of analytical tools was used - qualitative and quantitative. The study observed that history of rural finance in Tanzania is associated with colonialization of Tanganyika. The German colonial administration was the first to introduce establishment of modern commercial banking in the country in 1905 when the Deutsche Ostafrikanische bank opened a branch in Dar es Salaam. The British colonial administration, after the defeat of Germans in World War I, promoted establishment of commercial banks in Tanganyika in order to support commercialization of the economy. Consequently, German banks were replaced and commercial bank branches were established in other parts of the country. The independent government undertook massive re-organization of the financial sector and much attention was put on agricultural credit. Agricultural credit was organized through specialized agricultural credit organizations that corroborated with state owned commercial banks. However, the co-operative movement were assigned important role in credit administration on the ground as they are closer to the beneficiaries. The financial structure after independence up to the 1990s, when reforms were ushered in, is characterized by state owned financial institutions with pervasive interference. Credit was directed on the basis of the government priorities with little regard to credit worthiness analysis. The National Bank of Commerce (NBC) and Co-operative and Rural Development Bank (CRDB) were the dominant banks that implemented the government monetary policy. Emphasis was put on credit and savings mobilization was neglected. The CRDB operated mostly on managing donor funds meant for rural development. Liberalization of the financial sector was introduced through the Banking and Financial Institutions Act (BAFIA) of 1991 to address the weaknesses observed in the financial sector. It was envisaged to improve access to financial services through enhanced competition, increased and diversified financial products and providers, and improved integration of the financial system. However, assessment of the impact of the financial liberalization has mixed results. While there are distinct expansion in financial institutions, products and services; these are more concentrated in urban areas and accessed mostly by wealthy clients. Consequently, rural households' access to finance is diminishing. On the other hand, most financial institutions continue to employ traditional banking approaches - of insistence on collateral, preference for less risky category of clients, bias towards large loans, and bureaucratic procedures in providing loans. Besides, there are limited initiatives in product innovation, design of appropriate delivery mechanisms, and high interest rates spreads that discouraged potentials borrowers and depositors. As a result of poor access to financial services, most households have strengthened self-financing mechanisms through the informal arrangements. Although, the semi-formal - especially member based financial institutions and some Financial NGOs (FiNGOs) are attempting to correct the financial imbalances, their outreach, products and services are still limited. While there are improvement in supervision and regulation of the financial sector, it must be noted that prudential regulation and supervisions as part of the financial infrastructure if not carefully used, will undermine the efficiency of the financial market. The study concludes that rural households need a variety of financial products that include savings facilities, loans, insurance, leasing, and means of transfer payments. The degree of demand for these products is, however, determined by household's level of poverty, household size, level of education and skills, life cycle needs, and local market opportunities. However, financial sector reforms had little impact on households' livelihoods. Its implementation is associated with an increase in inequalities and poverty. Besides, there is a reduced funding as well as investment in agriculture, which forms the key sector of the economy. Consequently, the performance of the agricultural sector has been declining although its contribution to GDP is still significant. Assessing the supply and demand for rural financial services, it is concluded that rural areas are hardly served by banks hence limiting access to financial services. Prior to liberalization, government owned financial institutions provided limited financial services to rural areas organized through co-operatives and specialized credit agencies. CRDB was responsible for organization of credit for farm inputs, while NBC provided crop finance. In addition, CRDB also facilitated rural development programmes through donor funds. With the liberalization of the financial sector - co-operatives have collapsed, development banks are no longer active, and commercial banks have withdrawn from serving rural areas, thus creating a "supply gap" that is being replaced by informal finance. Furthermore, the study observed that demands for financial services is determined by age of the borrower, household size, and distance from a financial institution, the cost of borrowing that include loan transaction costs plus interest rate charged, bank procedures and conditions, policy and regulatory framework and institutional and infrastructural conditions. The study recommends the following: (i) Continued efforts for establishment of supportive macroeconomic and sectoral policies - financial, fiscal, monetary & rural development - and legal and regulatory framework that facilitates the growth of the rural financial markets, (ii) A facilitative intervention by the government in the development of the financial markets that addresses the national poverty reduction development objective through economic growth is required. The desired actions are those that focus on improvement in demand for financial services, reduced bureaucratic banking conditions, reduced transactions costs, improved infrastructure, and reduction of other structural bottlenecks limiting access to financial services, (iii) Development of appropriate financial institutions and products relevant for the rural sector requires government guidance through policy, development of appropriate financial infrastructure (legal, regulation and information), and incentive mechanisms. (iv) Intervention by the government in institutional and infrastructural development is required so as to facilitate the functioning of markets. There must be purposive investment strategy that supports development of the public infrastructure - such as transport and communication, electricity, security system, and research and development. Institutional development - judiciary machinery, credit bureaus, and property rights and business registry are required. Furthermore, training and capacity building so as to change peoples' mindsets concerning loans and savings mobilization, and (v) There is a need for building up a "New Role" for financial institutions. Financial institutions need to revisit their financial terms and conditions in favor of the development of RFMs, especially in terms of bank conditions, interest rate spreads, demand for collateral, and requirements for addressing the needs of the poor and rural population, Furthermore, financial institutions need to become more innovative in developing new products and services, improvement in organization of rural financial institutions, delivery mechanisms, and establishment of the institutional framework for integration of MFIs into the national financial system in the country. The following areas require further studies: (i) development of realistic rural development strategy that covers, among others, the development of the financial markets, (ii) institutionalization of the rural property ownership rights in order to establish how these can be used productively, through say mortgage, collateral, and/or sale for cash income, and (iii) Mechanisms for enforcement of loan repayments in rural areas - especially the lessons from informal operators. Experiences have shown that under informal credit arrangements, there are few default cases as opposed to formal commercial credit practices. / Development Studies / D. Litt. et Phil. (Development Studies)

<p>This paper deals with relationship between irrigation and agriculture and conflicts within an irrigation system and as well between other stakeholders concerning the water. Irrigated lands are up to 2.5 times more productive compared to rain-fed agriculture. They are important element in the agriculture sector in Sub-Saharan Africa, and have been favoured by governments and donor agencies for their high rate of return. Without proper technical equipments or support negative impacts on the environment are linked to irrigation activities. Furthermore, a case study was made in Tanzania, Kiru Valley, regarding the tension between big scale and small-scale farmers as result from the water decline. The results demonstrate that the institutions do not have the power to solve the conflict. It is difficult to define the different stakeholders and the boundaries of the area that affect the amount of water in the valley.</p>

<p>This Bachelor Thesis investigates the inherent conflict of preservation and livelihood, and what can be done to avoid this problem. The purpose of the study is to investigate if there is an enhanced risk of overexploitation in areas in proximity to forest reserves. This assumption is based on the fact that people living in close contact with nature are directly dependent on ecosystem-services for maintaining their livelihood. Hence, preservation of an area could result in degradation, if unprotected areas will have to sustain more people with, for example, firewood and pastoral land. Based on a field study in Babati District, Northern Tanzania, I have seen signs that imply that preservation of Ufiome, the forest covering Mt Kwaraa, has had effects on areas in proximity to the gazetted forest. The method used to conduct this study was semi-structured interviews with local farmers living in closeness to Ufiome NR, but also with district officials. Finally, I think that the solution to many of the problems that come with preservation are possible to handle by the use of Participatory Forest Management (PFM); Joint Forest Management (JFM) and Community Based Forest Management (CBFM). The key to coming to terms with conservational problems lies on scale-related solutions that focuses on implementing management of natural resources on a local level, claiming that fine-scale ecological issues are best dealt with on fine-scale social levels.</p>

<p>Livestock keeping has been the essential source of livelihood in Babati District for many hundreds of years. The traditional ecological knowledge about this semi-arid environment has influenced the general view on livestock management. This essay discusses the measures that are, or could be taken in Babati District to prevent overstocking and overgrazing in the woodlands. With the continuing population density increase also the livestock population grows. More houses and roads are built and the grazing lands diminish. To avoid overgrazing forest management programmes restrict grazing in forests. This additionally decreases availability of grazing land. My conclusion is that minimizing number of livestock is necessary to not exceed carrying capacity of pasture during drought. Hence this is not free from problems since it is traditionally rooted to have a large number of livestock as a buffer of energy and wealth. One solution for both how to prevent overstocking and how to survive with small number of livestock is to practise zero-grazing. Zero-grazing is to keep a small number of healthy big cattle e.g. exotic cows or crossbreeds in stables or tied up. However, when tying cattle on the spot the fact that cattle have four legs is disregarded.</p>

Small-scale fisheries represent an important sector for Tanzania’s economy and the contribution to the livelihood of people. In Lake Babati, fish stocks are decreasing, mainly because of illegal fishing methods. This study therefore aims at examining how the problems of illegal fishing affect the fishermen, as well as their perceptions of the implemented fish ban. By using semi-structured interviews, a seasonal calendar and a Venn diagram, the data was analysed through a Critical Institutionalist lens. The results show that the fish ban has not improved the situation and that the fisheries co-management in Lake Babati is weakly practiced. Furthermore, the complexity of socially embedded relations constrains the organisation among the fishermen. As a response to the inadequate management, the fishermen suggest other solutions for preventing illegal fishing.

<p>The overall aim of this qualitative study is to investigate the area of new sustainable tourism in theory and practice. The theoretical part, which consisted of a literature study, was made to help find the essence of new sustainable tourism. To bring out tourisms impact on society and environment in practice, a case study was made during an excursion with Södertörn University College to Babati in Tanzania. Semi structured interviews were held with people in Babati. The excursion is being evaluated according to WTO’s sustainable tourism development guidelines and management practices, and finally, these guidelines are analysed. The result of the literature study showed that there is no absolute true core in new sustainable tourism. It is a highly subjective judgment if a tourism venture is sustainable or not, depending on personal values, ideology and personal interests. There is features commonly associated and used in new sustainable tourism, like the sustainability of the three pillars of sustainable development, and the focus on the local, educational and conservational effects, but the essence is subjective. The evaluation of the excursion showed that it is by two third a sustainable tourism venture. It is the economic part that fails, since the guidelines put much focus on stable employments and frequency; ingredients that the excursion lacks. The analysis of the WTO guidelines resulted in confusion. They could be both very useful, but also very poor, according to how they were interpreted and used. The results highly depend on the user. Positive is that the guidelines address all pillars of sustainable development equal, and that the interaction between host and guest gets highlighted. Shortages are that the guidelines lack a gender perspective, a historical and political sensibility, a place specific flexibility and a perspective of inter- and intra-generational equity.</p>