Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”.
A dissertation submitted to Dar es Salaam Campus College in fulfillment of the requirements for the award of Degree of Master’s in Business Administration in Corporate Management (MBA-CM) of Mzumbe University.
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| Format: | Thèse |
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Mzumbe University
2026
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| Accès en ligne: | https://scholar.mzumbe.ac.tz/handle/123456789/2113 |
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| _version_ | 1872791449740771328 |
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| author | Benbela, John |
| author_facet | Benbela, John |
| author_sort | Benbela, John |
| collection | DSpace |
| description | A dissertation submitted to Dar es Salaam Campus College in fulfillment of the requirements for the award of Degree of Master’s in Business Administration in Corporate Management (MBA-CM) of Mzumbe University. |
| format | Thesis |
| id | ir-:123456789-2113 |
| institution | Mzumbe University |
| publishDate | 2026 |
| publisher | Mzumbe University |
| record_format | dspace |
| spelling | ir-:123456789-21132026-06-24T18:53:34Z Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. Benbela, John microcredit Loan repayment performance Theory of microfinance Theory of Group liability Small and Medium Enterprises Loan Default Client appraisal Credit risk control Positive Theory of Social Entrepreneurship Theory of Fair Interest Rates on Microcredit SME enterprises’ Performance. A dissertation submitted to Dar es Salaam Campus College in fulfillment of the requirements for the award of Degree of Master’s in Business Administration in Corporate Management (MBA-CM) of Mzumbe University. This study has assessed the factors that affecting the Repayment Performance of Microcredit in Dar es Salaam Tanzania. Loan repayment has been a serious problem for most small holder credit programmes. Problems of loan recovery to most microcredit programmes are attributed to several factors including natural calamities. An observational study was carried out in one MFI in the Dar es Salaam city namely the Tujijenge Tanzania Limited located in Kijitonyama - Makumbusho ward. The general objective was to analyze factors affecting the repayment performance of Microfinance industry in Dar es Salaam Tanzania. Data were collected using informal and formal interviews where structured questionnaires were administered to 100 randomly selected respondents. Data were analyzed by using simple excel table, figures and a regression analysis was done to analyze factors affecting the repayment performance in Tanzania. The study findings show that 68.9% of the factors affecting loan repayment related to the level of household annual income, education level, household labor size, household assets and amount of loan obtained. Also findings shows that most of the borrowers are female while 64 of the respondents state that interest rate is friendly for charging at 4% per month which translate to 48 per annum The conclusion is that the study discovered that positive factors affecting loan repayment performance are amount of loan obtained by client, composition of household, labor size, education level and household annual income. Meanwhile the value of household assets negatively influences repayment of loan. The study recommends that: (a) interest rate should be lowered (b) business education should be provided to both loan officers and clients and (c) the government in collaboration with the Bank of Tanzania should review the financial policy giving opportunity to micro investors to access loans. Private. 2026-06-18T10:11:42Z 2013 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/2113 Thesis application/pdf Mzumbe University |
| spellingShingle | microcredit Loan repayment performance Theory of microfinance Theory of Group liability Small and Medium Enterprises Loan Default Client appraisal Credit risk control Positive Theory of Social Entrepreneurship Theory of Fair Interest Rates on Microcredit SME enterprises’ Performance. Benbela, John Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title | Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title_full | Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title_fullStr | Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title_full_unstemmed | Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title_short | Factors affecting the repayment performance of microcredit in Dar es Salaam Tanzania: “A case of Tujijenge Tanzania limited”. |
| title_sort | factors affecting the repayment performance of microcredit in dar es salaam tanzania a case of tujijenge tanzania limited |
| topic | microcredit Loan repayment performance Theory of microfinance Theory of Group liability Small and Medium Enterprises Loan Default Client appraisal Credit risk control Positive Theory of Social Entrepreneurship Theory of Fair Interest Rates on Microcredit SME enterprises’ Performance. |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/2113 |
| work_keys_str_mv | AT benbelajohn factorsaffectingtherepaymentperformanceofmicrocreditindaressalaamtanzaniaacaseoftujijengetanzanialimited |