A Thesis submitted in partial fulfilment of the requirements for
Award of the Masters of Science in Accounting and Finance (MSc.
A&F) of Mzumbe University
I would like to express my profound gratitude to Almighty God for the strength and
life given to me to undertake this research work. I am also thankful to all those who
in one way or the other contributed in the successful completion of this
workespecially Mr. John Kanyoro and Eric John.
The preparation and production of this thesis would have not been possible without
assistance from a number of committed individuals. Thus my great pleasure is to
convey my sincere gratitude to the FINCA Morogoro Branch Management,
employees and customers. All kinds of support, material and moral, that the
management and staff of FINCA provided in accomplishment of this thesis report
and their cooperation is highly appreciated.
My heartfelt thanks are also expressed to my supervisor, Prof. Srinirvas Madishetti
for his unconditional assistance, helpful comments and his guidance while writing
this report that enabled me to come up with this thesis. Sir, may the Almighty God
Bless you indeed.
Finally, I am eternally grateful to my Husband; Mr. Furaha E. Mazinge for his
support, sacrifices, encouragement and understanding in the course of undertaking
this project work.