| dc.creator |
Nziku, Emiliana |
|
| dc.date |
2019-07-06T14:47:36Z |
|
| dc.date |
2019-07-06T14:47:36Z |
|
| dc.date |
2014 |
|
| dc.date.accessioned |
2021-05-05T08:08:18Z |
|
| dc.date.available |
2021-05-05T08:08:18Z |
|
| dc.identifier |
http://hdl.handle.net/11192.1/2653 |
|
| dc.identifier.uri |
http://hdl.handle.net/11192.1/2653 |
|
| dc.description |
A Dissertation Submitted in Partial Fulfillment of the Requirements for the Award of the Degree of Master of Business Administration in Corporate Management (MBA-CM) of Mzumbe University Dar es Salaam Campus College. |
|
| dc.description |
This study intended to investigate Government employees’ livelihood and loans from NMB in Tanzania. the contribution of loans taken by government employees from NMB to their livelihood in Tanzania. NMB ILALA BRANCH, Dar es Salaam being a case study. The main objective of the study was to assess the contribution of loans taken by government employees from NMB to their livelihood in Tanzania.
The objectives include were to examine the criteria used by NMB in providing loans to Government employees in Tanzania, to identify type of investment in which employees were investing the loans from NMB, to determine the growth and expansion of the business started by government employees using loans from NMB. Lastly examine the change of livelihood of employees after investing loans from NMB.
The study used purposive sampling method in determining the sample. Case study design and qualitative research approach method was used during the study. Methods of data collection used included interviews, observations, and documentary analysis. Research instruments such questionnaires and documentary was used to collect data. Fifty respondents were selected to form the sample of the research.
Findings indicated that findings have shown that NMB improves living standard of government employees for 60%. This is justified by acceptance of the indicators put forward to test role of microfinance institutions in improving living standard
Through the services that were obtained from these institutions client have managed to build their own houses (quality houses), send children to school so as to obtain better education from primary to secondary as well as at higher learning, have managed to build houses, to invest in other businesses and the like.
Based on the above findings the researcher recommends the following, It is recommended also for the Bank to review its terms and conditions entering with employers who guarantee their employees. Part of the condition should strictly state that in case of default / delays on loan repayment, an interest for the same will be charged to the guarantor / guarantee. This will compel them to act promptly on their side so that the monthly salaries can be deposited on time to avoid penalties. |
|
| dc.language |
en |
|
| dc.publisher |
MZUMBE UNIVERSITY |
|
| dc.subject |
Employees Livelihood and Loans |
|
| dc.title |
Government Employees Livelihood and Loans from National Microfinance Bank in Tanzania, |
|
| dc.type |
Thesis |
|