Masters Dissertations

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Browsing Masters Dissertations by Subject ", Tanzania"

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    Evaluation of website adoption by insurance companies in Tanzania
    (University of Dar es Salaam, 2016) Theus, Judith
    Insurance companies with established websites are in a position to adopt advertising and marketing strategies. This dissertation used the extended model of internet commerce adoption to assess adoption of internet technologies by the website of insurance companies in Tanzania. The sample taken included the website of all insurance companies of Tanzania which are listed on the TIRA website as licensed companies. Data collected was guided by the extended model of internet commerce adoption and website design features. The data analysis was conducted by using descriptive and inferential analysis, which was the frequency analysis and chi- square test It was found that not all insurance companies had website and other website were inactive, therefore twenty website were evaluated. The findings of this observation confirmed the variety of these website presented level 2 functionality (provision) and almost all of them have not reached stage 3 of the level of website adoption. The results add further support to the premise of the model that, in growing commercial website, businesses in this industry normally begin without a doubt by means of establishing a presence on the web and construct itself over time, as their experience and experience and expertise in the use of internet technology increases. However, businesses searching to gain advantage from their websites need to create and preserve websites which are a success in helping the interaction and communication of the business enterprise with their users.Consequently, this study additionally assessed the design of these website and the marketing mixes that they emphasize. The study found the most marketing mix emphasized by these website was the core services followed by distribution which was found on 70% of the websites. Nevertheless, more than half of the website were well design based on the features that were observed. Suggestion and recommendations are also supplied based at the findings of this study
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    Factors contributing to the emergence and development of quick-microf1nance services in Tanzania
    (University of Dar es Salaam,, 2012) John, Jacqueline
    The main purpose of this study was to explore the factors contributing to the emergence and development of quick microfmance services in Tanzania. Specifically, the study intended to: identify the demand side and supply factors contributing to the emergence and development of quick financial services by MFIs and explore the main challenges of developing quick microfinance services in Tanzania. The study uses both qualitative and quantitative approaches. In the quantitative part, the study uses a sample of 73 respondents drawn from the clients of the Commercial Microfinance Institutions (MFIs) through the simple random sampling approach. Quantitative data were analysed through descriptive statistics and the students’ t-test. In the qualitative phase, the study uses five cases of commercial MFIs offering quick finance. The findings indicate that the demand factors contributing to the development of quick microfinance services are short-loan processing time; less bureaucracy in the process; good services; and flexibility of terms and conditions. The industry is also driven by the increasing financial gaps following the growth of the business sector. The major factors motivating owners of commercial MFIs to establish such institutions are the availability of business opportunity and demand for the services, higher returns; and their own experiences. The main challenges of developing quick microfinance include unfaithful customers and loan officers; lack of adequate proper policies and regulations, lack of National Identity Cards and Credit Reference Bureau, inadequate valuation of customers security; low repayment rates and inadequate systems and capacity to deliver microfinance services. The study recommends that commercial MFIs need to be more creative, develop customer-oriented products that are sustainable while increasing their geographical coverage, developing adequate credit scoring systems and their capacity to lend that will minimise the portfolio at risk. The government needs to speed-up establishment of the Credit Reference Bureau and National Identity systems as a strategy to protect MFIs. Finally, the study recommends further research on sustainability and governance of MFIs and on the operational challenges of commercial MFIs.
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    An investigation of customer perception on service quality in the banking industry in Tanzania: a case of Azania bank limited
    (University of Dar es Salaam, 2015) Samson, Anna
    The main study objective was investigated customer perception on service quality. The currently, globalization era characterized by rapid change in business environment and increasing in competition amount firms, quality service and customer satisfaction are critical to corporate organizations. The study sought to identify extent to which dimensions of service quality such as tangibility, reliability, assurance responsiveness and empathy have impacts on customer satisfactions. The case study strategy was used to get necessary and required data. Questionnaires were used to collect data from different respondents, which were then analyzed through descriptive statistics with the help of SPSS. Findings from the study revealed that customers‟ perceptions vary according to nature of service and was uncovered that there were positive customers‟ perception on Azania Bank Limited. In comparison with service quality dimensions, tangibility scored the highest and assurance was rated lowest of all assessed service quality dimensions. The findings further showed that that reliability, responsiveness, empathy, assurance and tangibles have an effect on customer satisfaction in Azania Bank. The customers perceived existence of service quality dimensions in Azania Bank Limited. The study recommends that the bank should improve aspects of their service quality so as to make sure that customers would be satisfied from different service quality perspectives. Also the study recommends that the bank should conduct different training programmes to its agents in making sure that they will provide high services to satisfy their customers. The study also recommends that further research can be conducted on customer relationship management between banks and their customers.