Browsing by Author "Ishengoma, Esther"

Now showing 1 - 3 of 3
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    Effect of partner–agent model practice on microinsurance client value: Insight from microfinance institutions in Tanzania
    (2018-02) Minani, Isidore; Ishengoma, Esther; Mori, Neema
    Abstract: In absence of formal microinsurance to protect low-income people against natural and man-made disasters, the partnership between insurance companies and microfinance institutions (MFIs), also known as the Partner–Agent Model (PAM), is gaining global recognition from governments, practitioners, and donors for its poten- tial role to deliver microinsurance. Although the model is still nascent in Tanzania, it has significantly increased microinsurance outreach. However, while the microinsur- ance landscape has been extensively studied, the effect of PAM practice on manda- tory microinsurance client value has not received much attention. Therefore, this study examines how the PAM practice affects microinsurance client value dimen- sions. Surveys were used to collect quantitative data from 229 managers of MFIs involved in PAM, randomly selected from 10 regions in Tanzania. The study applies structural equation modeling, particularly the regression analysis, to examine the effect of PAM practice on the appropriateness, accessibility, affordability, and respon- siveness of PAM microinsurance services. Study findings indicate that though the PAM practice has a statistically significant positive effect on microinsurance client value, the client value does not score well on its four dimensions. Improvement and regulation of PAM practice is recommended to foster microinsurance client value.
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    Financial Leverage and Labor Productivity in Microfinance Co-operatives in Tanzania.
    (Taylor & Francis, 2019) Towo, Nathaniel; Mori, Neema; Ishengoma, Esther
    Microfinance co-operatives (MFCs) are increasingly accessing loans from other financial institutions to finance their lending activities. However, knowledge about the association between loans from other institutions and MFCs’ performance is limited. Therefore this paper contributes to the body of knowledge by extending the application of agency theory to investigate the effe of financial leverage on MFCs’ labor productivity. The paper applies fixed effect regression models on panel data of 442 observations established from a sample of 115 MFCs operating in five regions in Tanzania. The results show that financial leverage has a negative effect on labor productivity. The findings revealed that an increase in financial leverage results in lower labor productivity, which could be due to underinvestment because of the debt overhang problem, higher financing costs (which reduce future invest- ments), high labor costs resulting from the high monitoring of lending, and loan collection activities. Such findings suggest that MFCs have to contain their costs and ensure that they generate more revenues from loans accessed from other financial institutions.
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    Opportunities for Local Entrepreneurs along the Oil and Gas Value Chain in Tanzania: A Local content analysis
    (University of Dar es Salaam Business School, 2017-11-16) Maliva, Nelly; Ishengoma, Esther
    This paper explores the opportunities available for local entrepreneurs along the upstream oil and gas value chain in Tanzania. It focuses on the aspirations of value chain stakeholders in this industry regarding the participation of local entrepreneurs for enhancement of local content. The study used the qualitative approaches in order to capture the stakeholders’ experiences and opinions. Various purposive sampling techniques were used to select the participants. The study identified the International Oil Companies which are currently at exploration and appraisal stage. The snowballing sampling were used to get different stakeholders such as local suppliers, supporting organizations, and other local authorities which are interested with the oil and gas industry. The interviews were done in Dar Es Salaam, Mtwara and Arusha. Data analysis, such as coding, interpretation, and categorisation of data was done on the basis of the collected data. The experience of stakeholders shows that the opportunities available for local entrepreneurs includes supply of goods and services direct to the International Oil Companies. Suppliers who deals with the supply function includes various companies most of which resides in Dar es Salaam and Arusha, and supply their products to Mtwara. These are Tanzanian registered companies which are proactively seek for the information and bid the tenders. Another category includes suppliers who resides in Dar Es Salaam and Mtwara, they supply direct but without biding tenders. Most of the suppliers resides in Mtwara and they continue to provide their services to the residents and by doing so they supply to the oil and gas industry indirectly. Almost all the suppliers continues with their daily business routines, but the presence of the oil and gas activities enable them to increase sales and profits. However, the opinions of stakeholders shows that some of the suppliers, especially who resides in Mtwara get less benefit compared to Dar es Salaam and Arusha based organization. By these results, the study has found out that the opportunities available for the local entrepreneurs are influenced by the proactiveness of the entrepreneurs and the context which entrepreneurs resides. The group of entrepreneurs resides in Dar es Salaam believe in the it is their competitiveness that enable them to join in the oil and gas value chain, while most of the entrepreneurs resides in Mtwara believe in policy support. At the same time, The International Oil Companies believe in the quality of goods and services. Therefore, the study found out the opportunities available for the local people can be explained through the stakeholders’ perception of the local content.