Mobile money services, entrepreneurial orientations and micro business financial performance in Tanzania.
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Date
2018
Authors
Journal Title
Journal ISSN
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Publisher
University of Dar es Salaam
Abstract
The business use of mobile money services has significantly increased in Tanzania. Despite such increase, few of micro businesses perform well financially, which may either, be contributed by the use of mobile money services and being entrepreneurially oriented. The thrust of this study was to investigate the influence of mobile money services on micro business financial performance in Tanzania and the mediating effect of entrepreneurial orientation. The study had the following specific objectives: to examine the influence of Business-to-Business (B2B) mobile money service on micro business financial performance; to examine the influence of Customer-to-Business (C2B) mobile money service on micro business financial performance; to examine the mediation effect of the entrepreneurial orientations on the influence of B2B and C2B mobile money services on micro business financial performance. The study used Resource-Based View (RBV) and Contingency theory to support its findings and build its theoretical foundation. It sequentially deployed quantitative and qualitative approaches while micro businesses operating in Tanzania were the population of this study. Using the RBV, the findings revealed that the use of B2B mobile money services significantly influence micro business sales revenue and costs. In addition, the use of C2B mobile money services significantly influence micro business sales revenue despite the fact that the services were applied to the neighbouring individual customers only. In relation to the Contingency theory, the findings further revealed that entrepreneurial orientation fully mediated the relationship between B2B mobile money services and micro business sales. Entrepreneurial orientation was also found to have partial mediation effect on the relationship between B2B mobile money services and micro business costs. On the other hand, entrepreneurial orientation fully mediated the influence of C2B mobile money services on micro business sales revenue. In addition, the qualitative findings revealed that business location influenced the relationship between mobile money services, entrepreneurial orientation and micro business financial performance. Hence, among others, this study recommends that it is important to promote the business use of mobile money services and entrepreneurial orientation among micro business owners/operators and create favourable environment for the use of mobile money services.
Description
Available in print form, East Africana Collection, Dr. Wilbert Chagula Library, Class mark (THS EAF HG1616.M54T34N93)
Keywords
Banks and banking mobile, Small business, Entrepreneurship, Finance, Tanzania
Citation
Nyello, R. M. (2018). Mobile money services, entrepreneurial orientations and micro business financial performance in Tanzania. Master dissertation, University of Dar es Salaam.