| dc.creator |
Hoope, Saskia |
|
| dc.date |
2015-03-01T07:29:40Z |
|
| dc.date |
2015-03-01T07:29:40Z |
|
| dc.date |
2013 |
|
| dc.identifier |
http://hdl.handle.net/11192/421 |
|
| dc.description |
A Dissertation Submitted in Partial/Fulfilment of the Requirement for the Award of the
Degree of Master of Business Administration (MBA) of Mzumbe University |
|
| dc.description |
After the implementation of National Microfinance Policy in 2001, microfinance was
officially recognized as a tool for poverty eradication and it is in the very vein of the
country’s economy and national politics. But the service accessibility to rural areas
remains untouched to the unbankable and unserved community. The study objective
was to examine the role of mobile money services (MMS) to the unbankable people at
Kilosa District in Morogoro. Specifically the study aimed:- (i) to compare accessibility
of M-PESA financial service to other non-mobile financial services.(ii)to establish M-
PESA transactions costs and compare with other non-mobile microfinance services.(iii)
to study M-PESA user-friendliness and compare to other microfinance services
available locally.
Primary data was obtained using questionnaire whereby 30 respondents in Kilosa
Village in Morogoro were selected at random, interviewed using both open and closed
ended questions to obtain the required data for the study. The questionnaire was
focusing on respondents’ role of mobile money services in the study area. Data were
analyzed using frequencies and descriptive statistics. The results showed that Mobile
money services play a greater role to improve the microfinance services in the study
area. Costs for using MMS were cheap as compared to bank accounts which require
one to visit the nearest bank and ATM which was far from the village and increases
transaction costs was the major constraint. Also the MMS from M-pesa menu was user
friendly as compared to other service providers.
The study recommend MMS to be included in the microfinance policy to establish the
legal framework and security measures for the agents at the remote areas where they
handle large volume of transaction in a day. |
|
| dc.language |
en |
|
| dc.subject |
Mobile Money |
|
| dc.subject |
M-Pesa |
|
| dc.title |
The role of mobile money services in improving Microfinance services in rural areas: a case of m- Pesa in kilosa, morogoro |
|
| dc.type |
Article |
|