scholarly journals Customers' Opinions on Reasons for Using Online Banking: Experience of Customers in Tanzania

2021 ◽  
Vol 9 (05) ◽  
pp. 2185-2195
Author(s):  
Richard Sikira
Keyword(s):  
Qualitative Data ◽  
Case Study Research ◽  
Online Banking ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Income Poverty ◽  
Banking Services ◽  
Customer Support ◽  
Structured Questionnaire

Information technology has revolutionalised the banking industry with enormous benefits. However, there have been mixed perceptions on preferring online banking to traditional banking. These perceptions usually change over time because of deliberate efforts done by stakeholders. This study aimed to determine the opinions of customers on the reasons for using online banking services. In conducting this research, the study opted to use a case study research design. The study employed 60 CRDB Bank customers as its sample size. The study collected its data through primary data, by using a semi-structured questionnaire that allowed the collection of quantitative and qualitative data. The researcher employed content analysis through descriptions for qualitative data and simple descriptive statistics analysis through frequencies and percentages for quantitative data. The study found that most respondents (customers) use online banking because it saves time, offers instant feedback, is reliable, and is secure and convenient. The study recommends more awareness and understanding of online banking services to users to enjoy the enormous benefits of online banking services. Furthermore, customer support must be improved and ensure keeping promises related to solving customers' problems. The study recommends categorically further research on the contribution of mobile money to the reduction of income poverty

scholarly journals Accountability Complexities in Non-governmental Organisation: A Reflection of Practical Mechanisms for Instilling Accountability in Selected Tanzania's Non-governmental Organisations

2021 ◽  
Vol 9 (05) ◽  
pp. 2196-2210
Author(s):  
Richard Sikira
Keyword(s):  
Quantitative Data ◽  
Qualitative Data ◽  
Case Study Research ◽  
Dar Es Salaam ◽  
Descriptive Statistics ◽  
Short Term ◽  
Funding Sources ◽  
Term Basis ◽  
Complex Phenomena

Non-governmental Organisations are key development partners who receive funds and other support from various stakeholders for supporting human development. Receiving funds and other supports require a well-established accountability framework to which most NGOs do not adhere. The downward and upward accountability phenomena seem overly complicated for NGOs to strike a balance as they have diverse and antagonistic interests. Given that scenario, it was imperative to examine how the existing mechanisms, influence the accountability of NGOs with the bias of ANSAF, UCS and HAWA. The study used Dar es Salaam as the case study employing the case study research design with a sample size of 30. Data were gathered through interviews and semi-structured questionnaires and analysed through content analysis for qualitative data. Quantitative data were analysed through simple descriptive statistics. This study aims to examine the mechanisms selected NGOs employ to instil accountability in Tanzania. The study found that the selected NGOs apply various accountability mechanisms, while the most used one is performance assessment based on a short-term basis, followed by disclosure of funding sources. The study concludes that upward and downward accountabilities are overly complex phenomena in actual practice. Thus, NGOs need a proper dedicated balance between the two.

scholarly journals Loan Recovery Procedures in Tanzania: A Case of Selected Microfinance Institutions in Dar-Es-Salaam, Tanzania

2021 ◽  
Vol 9 (05) ◽  
pp. 2172-2184
Author(s):  
Richard Sikira
Keyword(s):  
Qualitative Data ◽  
Secondary Data ◽  
Dar Es Salaam ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Case Study Design ◽  
Debt Collection ◽  
Formal Procedures

The study aimed to determine the procedures employed by MFIs, specifically in loan recovery in Tanzania. Loan recovery has been a difficult task for many financial institutions but becomes more challenging to microfinance institutions due to the nature and processes they employ. The study examined the loan recovery procedures at NFBS, SMF and AML found in Dar-Es-Salaam, Tanzania. The researcher employed a mixed- case study design, which involved 50 credit officer respondents obtained under the purposive sampling. The study used semi-structured questionnaires to gather primary data and also secondary data from documents available at NFBS, SMF and AML. Data were analysed using simple descriptive statistics with percentages and frequencies for quantitative data, while thematic analysis was used for qualitative data. The study found that NFBS, SMF and AML used loan recovery procedures such as direct contact, friendly reminder, and issuance of final demand notice. Another procedure is to inform the local government on property selling and using a debt collection agency. The study recommends for MFIs to establish and prefer formal procedures that can be used for loan recovery because the use of informal procedures creates room for conflict and leads to ineffectiveness of recovering loans.

scholarly journals ANALYSIS OF ENVIROMENT CONDUCIVE FOR ISLAMIC BANKING & FINANCE: A CASE OF TANDO ALLAHYAR

2012 ◽  
Vol 8 (1) ◽  
Author(s):  
Abdul Qadir Patoli ◽  
Keyword(s):  
Vital Role ◽  
Primary Data ◽  
Islamic Banking ◽  
Data Set ◽  
Banking Services ◽  
Banking And Finance ◽  
The Business Cycle ◽  
Practical Implications ◽  
Structured Questionnaire

Purpose:- This study is aimed at analyzing the environment conduciveness for Islamic Banking & Finance in the rural region of Sindh. A case study is being conducted to analyze such a situation through observations from respondents of Tando Allahyar Taluka, Sindh. Methodology/sample:- This pure and qualitative study called for primary data, collected through a structured questionnaire, from the residents of Tando Allahyar Taluka of Sindh. The observations converted into a discrete data set and analyzed statistically on descriptive statistics and sample T-Testing for measuring the significance of sample. Findings:-The outcome of the study remained as per expectations that lack of awareness and prevalence of Ambivalence are found prominent in case of Islamic Banking and Finance. Which provides an insight for the environment is conducive for banking, rather than Islamic banking & finance. It was also observed that the majority of the earning population is using Banking services, but rarely are using finances, just because of the interest factor. Practical implications:- Islamic mode of banking & finance can play a vital role in bridging the gap of conventional banking & finance and derive the need of religion-centered people towards such banking & finance circle, so that it can further the business cycle of the economy and enhance profitability. Research limitations:- The results of the study are restricted to the educated part of rural population and cannot be inferred for all population. The result of the study is also restricted to the urbanized area of rural Sindh.

scholarly journals Customer Perception and Preferences towards Banking Services in India – A Case Study of Varanasi Region

2021 ◽  
Vol 17 (01) ◽  
Author(s):  
Shashi Yadav
Keyword(s):  
Weighted Average ◽  
Service Marketing ◽  
Essential Elements ◽  
Marketing Strategies ◽  
Primary Data ◽  
Survey Method ◽  
Banking Services ◽  
Customer Perception ◽  
Structured Questionnaire

Marketing is a critical business domain and is an essential instrument for attaining a competitive advantage in services. It is also considered a potent tool for attracting, holding, and satisfying customers for the organization offering services. In India, the banking industry has been experiencing ups and downs for a long. In order to solve these problems and manage the challenges, the banks need to evolve and implement effective marketing strategies based on a customer-centric approach. This study focuses on one of the essential elements of service marketing, i.e., Process: Process used in banking services, customers' perception towards this process, and suggestive measures to improve the banking services' process to their customers. The study is based on primary data gathered with the help of a survey method. The survey has been conducted with the help of a structured questionnaire. In order to obtain opinions and views of customers, a sample of 100 customers of different banks has been taken. With different statistical tools such as the weighted average method and ranking, the paper concludes that most of the banks' customers are moderately satisfied with the service delivery process.

Professional Stress among Junior Commissioned Officers and Non Commissioned Officers of Indian Military Intelligence – A Case Study

GIS Business ◽  
2019 ◽  
Vol 14 (6) ◽  
pp. 133-145
Author(s):  
Dr. S. S. Nirmala ◽  
Dr. N. Kogila ◽  
T. Porkodi
Keyword(s):  
Factor Analysis ◽  
Correlation Matrix ◽  
Null Hypothesis ◽  
Primary Data ◽  
Questionnaire Data ◽  
Military Intelligence ◽  
Sphericity Test ◽  
Professional Stress ◽  
Structured Questionnaire

The present study is focusing on the professional stress on organisation among the Junior Commissioned Officers (JCOs) and Non-Commissioned Officers (NCOs) of Indian Military Intelligence. 384 samples of Military Intelligence personnel will be taken for this study. Sources of data is Primary data include a structured questionnaire. Data was collected through structured questionnaire and measure through Likert’s scale, using KMO measure of sampling adequacy, Cronbach’s alpha for checking internal consistency, Bartlett sphericity test for testing the null hypothesis and various factor analysis including Eigenvalues, Extract square Sum loading, variance percent and Accumulation percent values relative comparison and Correlation matrix will be used as tools to arrive at desired results and statistical interpretations. The hypotheses put for test and the resultant values at 0.01 and 0.05 (for different factors) clearly indicated that there is an existence of association between different level of cadres and professional stress among personnel of Indian Military Intelligence. The authority who can formulate the rules and regulations and binding them on the lower cadres and professions to accept and adopt.

scholarly journals Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh

2016 ◽  
Vol 9 (1) ◽  
pp. 47
Author(s):  
Mohammad Zahed Hossain
Keyword(s):  
Mobile Apps ◽  
Age Groups ◽  
Cost Effective ◽  
Internet Banking ◽  
Demographic Variables ◽  
Online Banking ◽  
Primary Data ◽  
Mobile Banking ◽  
Chi Square ◽  
Banking Services

<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>

scholarly journals FACTORS INFLUENCING STRATEGIC RESPONSES TO EXTERNAL ENVIRONMENT BY DEPOSIT TAKING SACCOS IN NAIROBI COUNTY: A STUDY OF UNAITAS SACCO

2016 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Salat Khalif Abdow ◽  
Dr. Kennedy Ogollah
Keyword(s):  
Factor Analysis ◽  
Case Study Research ◽  
External Environment ◽  
Target Population ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Strategic Responses ◽  
Factors Influencing ◽  
The One ◽  
And Control

Purpose: The purpose of this study was to determine the factors influencing strategic responses to external environment by deposit taking SACCOS in Nairobi County: a study of Unaitas Sacco.Methodology: The research adopted case study research design. The target population of the study was 11 directors and 600 employees of Unaitas Sacco. The sample size consisted of 61 (10% of the target population) directors and employees of Unaitas Sacco. Stratified random sampling was used in the study to select the one director and the 60 employees of Unaitas Sacco. The study used primary data. The data collection instruments that were used in this study were the interview guide and questionnaire. The qualitative analysis was done using content analysis. Quantitative data analysis employed descriptive statistics and factor analysis.  Descriptive statistics included frequencies, percentages, means and standard deviation. Results were presented in form of tables and charts. Particular statistics in factor analysis was scale plot and commonalities.Results: The study found that reference to past strategy organization external dependence, consideration of level of risk and Organizational Culture greatly influences the choice of strategic response. In addition managerial competence, organizational structure and control processes, time available and availability of resources also greatly influence the choice of strategic responseUnique contribution to theory, practice and policy: The study recommends that Unaitas to invest more in the latest technology and start agency banking as a strategy of expanding its market share and product differentiation.

scholarly journals Perception and Knowledge on Climate Change: A Case Study of University Students in Bangladesh

2019 ◽  
Vol 2 (3) ◽  
Author(s):  
Bezon Kumar ◽  
Arif Ibne Asad ◽  
Purnima Banik
Keyword(s):  
Climate Change ◽  
Sustainable Development ◽  
Global Warming ◽  
University Students ◽  
Descriptive Statistics ◽  
Primary Data ◽  
The Sustainable Development ◽  
The University ◽  
Change Problem

This paper mainly investigates the perception and knowledge on climate change of the university students in Bangladesh. To carry out this study, primary data are collected from 370 students and uses several statistical methods. Perception and knowledge on the causes, effects and mitigation ways of climate change problems, and perceived duties to combat against climate change are analyzed with descriptive statistics. This paper finds that deforestation is the main cause of global warming and climate change and, the effects of climate change is very serious on people’s health. Majority portion of the students think that it is difficult to combat against climate change problem because it has already been too late to take action. Besides this study also finds that government is crucially responsible for combating against climate change problem. The study calls for government mainly besides industry and youths to aware people about the causes, effects, mitigation ways of climate change so that they can contribute to the sustainable development by mitigating climate change problem.

AN ANALYSIS OF MANAGERIAL COMPETENCIES AND THEIR INFLUENCE ON STAFF PRODUCTIVITY: A CASE OF WAJIR COUNTY GOVERNMENT EMPLOYEES

2017 ◽  
Vol 2 (2) ◽  
pp. 81
Author(s):  
Farah Mohamednoor Bashir
Keyword(s):  
Random Sampling ◽  
Team Building ◽  
Case Study Research ◽  
Technical Skills ◽  
Descriptive Statistics ◽  
Primary Data ◽  
County Government ◽  
Inferential Statistics ◽  
Managerial Competencies ◽  
Human Skills

Purpose: The purpose of this study was to conduct an analysis of managerial competencies and their influence on staff productivity in Wajir County government.Methodology: The study adopted a descriptive case study research design. The target population comprised of all the 2000 employees working with the Wajir county government. A sample size of 244 obtained by applying the Yamane formula was used. The study used stratified random sampling and simple random sampling technique to come up with the sample. The study used primary data collected through the administration of questionnaires. The statistics generated included descriptive statistics and inferential statistics. The particular descriptive statistics included frequencies and percentages while the particular inferential statistics included correlation analysis and regression.Results: The possession of technical skills, conceptual skills, human skills and informational skills by managers was found to have a positive and significant effect on staff productivity.Unique contribution to theory, practice and policy: The study recommended that urgent measures be undertaken to ensure that at least everyone in management had acquired some basic technical skills in their assigned task. It was also necessary to continuously improve the existing technical skills of those in management within the county government through regular on job training for the management. The study also recommended that short courses such as conflict resolution, strategic leadership and mentorship programs should be included the county government staff development agenda as well as team building activities where those in management should be highly encouraged to avail themselves. It was also recommended that it was necessary for those in management positions to constantly acquire the needed information on the staff activities and performance in order to constantly and effectively monitor and evaluate the performance of staff in the county government to ensure that they were actively involved in activities that led to increased productivity. It was also necessary for the management to improve how and the ways in which they disseminated information at levels in the county government to ensure that barriers in communication do not hinder the progress of the county government agendas.

scholarly journals An assessment of goat production practices in jigawa-state

2020 ◽  
Vol 47 (1) ◽  
pp. 122-128
Author(s):  
O. A. Ojo ◽  
W. Buba
Keyword(s):  
Informal Education ◽  
Sampling Technique ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Two Stage ◽  
Initial Capital ◽  
Major Constraint ◽  
Production Practices ◽  
Structured Questionnaire

This study evaluated the socio-economic characteristics of goat farmers, their production practices and constraints to production in Jigawa State. Respondents for the study were selected using a two-stage sampling technique. Primary data were collected with the aid of well-structured questionnaire and analyzed using descriptive statistics. The results showed that the majority (73.7%) of the producers are males and most (32.4%) were within the age bracket of 26-35 years, many (39.1%) of them had household sizes of (1-5) and majority of the respondents (53.1%) had informal education. Also, the results revealed that the major constraint to goat production in the study location was lack of initial capital (43.0%), followed by disease and parasites (30.7%), then theft and predators (12.8%). This study recommends that goat farmers should come together and form cooperatives; thereby they could have access to soft loans hence improving production, in terms of medication and capital for investment and expansion.

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