Thesis (MBA)-- Stellenbosch University, 2005. / ENGLISH ABSTRACT: Microfinance services in Tanzania have existed for some years, yet have remained weak and
slow to develop. Therefore, the objective of this study is to survey problems that impact on
the growth of Microfinance Institutions (MFIs) in Tanzania. MFIs in Tanzania include
commercial banks, rural community banks, on-bank financial institutions, NGOs and Savings
and Credit Co-operative Societies (SACCOs).
The problems in the microfinance sector are prioritised and show that the lack of sufficient
capital to lend to clients is the problem that has the greatest impact on growth, followed by
education level of clients. A number of these problems show agreement as expressed by the
Spearman Rank Correlation Coefficients.
The recommendations directly touch the provision of capital support to MFIs as a most
priority criteria towards MFIs growth. Sufficient capital to lend to clients can decrease the
impact of other problems that shows correlation with it, such as service quality to customers,
attraction of low income earners, client focus, small and irregular cash flows from clients, as
well as education level of clients.
Finally, it is shown by a selected best practice matrix that solutions to problems impacting on
the growth of MFIs in Tanzania depend on a combination of several best practices that can
lead to sustainable solutions. Hence MFls may find a combination of relevant best practices
that fit efficiently. effectively and economically to their respective operating environments. / AFRIKAANSE OPSOMMING: Mikrofinansieringsdienste in Tanzania bestaan al geruime jare, maar is ongelukkig swak
ontwikkeld en toon stadige groei. Die doelwit van hierdie studie is om probleme te
identifiseer wat impakteer op die groei van die Mikrofinansiering-instansies (MFI) in
Tanzania. MFIs in Tanzania sluit in kommersiele banke, landelike / gemeenskapsbanke, niebank
finansiele instansies, Nie-regeringsorganisasies (NGOs) en Spaar en Krediet
Samewerkende Gemeenskappe (SACCO's).
Die probleme in die mikrofinansiering-sektor is geprioritiseer en dui daarop dat die gebrek
aan beskikbaarheid van voldoende lenings-kapitaal die grootste impak op die sektor het,
gevolg deur die vlak van onderwys-opvoeding van kliente. Verskeie van die probleme gelys
vind ooreenkomste by mekaar, soos uitgelig deur die "Spearman Rank Correlation
Coefficients".
Aanbevelings gemaak, hou direk verhand met die voorsiening van kapitale ondersteuning aan
MFIs, as die belangrikste kriteria wat sal lei tot MFI groei. Voldoende leningskapitaal kan
die impak van ander probleme wat verband hou met die tekort aan kapitaal verminder, soos
onder andere die kwaliteit van klientediens, die lae-inkomste mark wat bedien word, kliente
fokus, klein / ongereelde inkomste-strome van kliente, asook die onderwys-opvoedingsvlakke
van kliente.
Ter afsluiting, dit is getoon deur die beste praktykbeginse/s matriks, dat die oplossing vir
probleme wat impakteer op die groei van die MFI sektor in Tanzania, afhanklik is van 'n
kombinasie van verskeie beste praktykbeginsels wat kan lei tot volhoubare oplossings.
Sodoende kan MFIs 'n kombinasie van beste praktykbeginsels vind wat effektief en
ekonomies sal werk vir hulle onderskeie omgewings.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/50428 |
| Date | 04 1900 |
| Creators | Mukama, Julius |
| Contributors | Fish, Therese, Volschenk, Jako, Stellenbosch University. Faculty of Economic and Management Sciences. Graduate School of Business. |
| Publisher | Stellenbosch : Stellenbosch University |
| Source Sets | South African National ETD Portal |
| Language | en_ZA |
| Detected Language | English |
| Type | Thesis |
| Format | 105 p. : ill. |
| Rights | Stellenbosch University |
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