Browsing by Author "Mkwizu, Kezia H."
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Item Effect of Social and Human Capital on Access to Financial Capital for SMEs: A Comparative Study of Botswana and Tanzania(University of Dar es Salaam Business School, 2018-09) Monametsi, Gladness L.; Mkwizu, Kezia H.; Swai, Tobias A.The general objective of this paper is to examine the effect of social capital and human capital on access to financial capital for SMEs. The primary area of focus is the manufacturing sector in both Botswana and Tanzania. Crosssectional in design with quantitative approach. Descriptive statistics and ANOVA were used as tools of analysis. Comparative analysis of the two countries reveals some areas of divergence and some of overlap on the variables examined. Social and human capital have a statistically significant effect on access to financial capital for SMEs in Botswana. For Tanzania, contribution awaits completion of data collection which is currently ongoing. This study contributes knowledge on the effect of social capital and human capital on access to financial capital for SMEs in Botswana and Tanzania.Item The Impact of Human Capital on Access to Financial Services for SMEs: A comparative Study of Botswana and Tanzania(International Journal of Research & Methodology in Social Science, 2018-12) Monametsi, Gladness L.; Mkwizu, Kezia H.; Swai, Tobias A.The paper aims to analyze the impact of human capital on access to financial services for SMEs by comparing results of two developing countries, Botswana and Tanzania. The objective of this study is to examine the impact of human capital for male and female entrepreneurs on access to financial services. This study used a survey questionnaire to collect primary data in the manufacturing sector from a sample size of 115 SMEs for Gaborone in Botswana and 81 SMEs for Dar es Salaam in Tanzania. Descriptive statistics and one way ANOVA were deployed to analyze the data. In Botswana, the majority of SMEs (52.2%) were females while in Tanzania males were (54.3%). The findings indicate that there is a statistically significant impact of human capital on access to financial services for Botswana in terms of education (p=0.002), work experience (p = 0.000), years of experience as owner manager in business (p = 0.000), and lapse of time of attending training related to business (p = 0.002). Findings also show that there is a statistically significant impact of human capital on access to financial services for Tanzania in terms of work experience (p = 0.009), and years of experience as owner manager in business (p = 0.048).Item Social Capital and Financial Services: A Study of SMEs in the Manufacturing Sector in Tanzania(International Journal of Research & Methodology in Social Science, 2018-12) Mkwizu, Kezia H.; Swai, Tobias A.; Monametsi, Gladness L.This paper examines the relationship between social capital on access to financial services for Small and Medium Enterprises (SMEs) in the manufacturing sector. The study area is Dar es Salaam, Tanzania. A cross-sectional design was used and surveyed semi-structured questionnaire to collect data from respondents using convenience sampling. A total of 81 completed questionnaires were subjected to descriptive statistics and ANOVA analysis. The descriptive results for social capital reveal that majority of respondents regularly talk with other business owners (90.1%), meet frequently with family and friends to talk about business (90.1%), and belong to a religious group (93.8%); while for access to financial services the results show that majority of respondents (82.7%) strongly agree that friends and family provide extra capital when needed. Among the inferential statistics findings on the relationship between social capital and access to financial services indicated that regularly talks with other business owners is statistically significantly to access to grants (p = 0.003), regularly talks with other business owners is statistically significantly to friends and family provide extra capital when needed (p = 0.035), meeting frequently with family and friends to talk about business is statistically significantly to access to grants (p = 0.012), having strong ties with people or entities in business with is statistically significantly to access to grants (p = 0.008), and having strong ties with fellow SMEs is statistically significantly to access to grants (p =0.012), fellow SMEs have strong ties with one another is statistically significantly to access grants (p = 0.025), belonging to a football club is statistically significantly to access to grants (p = 0.000), belonging to a Golf Club is statistically significantly to friends and family provide extra capital when needed (p = 0.001), and belonging to a community social group is statistically significantly to friends and family provide extra capital when needed (p= 0.004). This paper adds knowledge to the issue of the relationship of social capital and access to financial services for SMEs in the manufacturing sector in Tanzania. Future studies can explore financial cultures by SMEs and access to financial services in the manufacturing sector.