John, Musa
(2015)
The impact of Financial Regulations to the Financial Sustainability of Micro- Financial Institutions in Tanzania: a case study of Morogoro municipality.
Masters thesis, The Open University Of Tanzania.
Abstract
The study investigated on the impact of financial regulations on financial sustainability of microfinance institutions in Tanzania using the case study of
Morogoro Municipality. Specifically To identify the extent the MFIs financial regulation on the financial sustainability of MFI’s in Tanzania, to assess the influence
of MFIs financial regulation on the financial sustainability of MFI’s in Tanzania, to assess the challenges facing MFIs sustainability in Tanzania. Data was gathered from 50 respondents with a population of the study consisted of 116 Microfinance Institutions (MFIs) which were selected using stratified random sampling at
Morogoro Municipal basing on the available statistics from register of cooperatives in municipal office and census survey done by the researcher. The primary and
secondary sources of data was used and data were analysed by using Microsoft exel and SPSS. It was noted that inadequate training in all of the surveyed MFIs in
Morogoro was the major factor that negatively impacted the performance of MFIs. This also implies that trainings are crucial for sustainability of MFIs. The study recommends the need for enhancing training in MFIs in Tanzania. Moreover, it recommends for an imperative need for lessening the loan provision conditions and also of lowering the high interest rates charged to MFIs. It is suggested that there is a need of striving to create ideal business environment in rural areas. This is due to the
fact that this study noted that almost all MFIs are concentrated in the urban settings where they reap most profits due availability of favorable business conditions.
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