Determinants of Local Government Authorities Loan Scheme Management: A Case of Bariadi Town Council.

Ngango, Edgar Wilbard (2023) Determinants of Local Government Authorities Loan Scheme Management: A Case of Bariadi Town Council. Masters thesis, The Open University of Tanzania.

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Abstract

The study assessed determinants of Local Government Authorities‟ loan scheme management in Tanzania with a case of Bariadi Town Council. Specifically, the study sought to determine the influence of department staffs‟ capacity, beneficiaries‟ knowledge, and the influence of politicians‟ role on 10% loan management and identify challenges that lead to non-recovery of loan funds from beneficiaries. The study used cross-sectional design with a sample of 236. The study employed Cluster sampling and Purposive procedures and questionnaire, focus group discussion and key informant interview during data collection. The study employed inferential analysis and thematic analysis of quantitative data. The study found low staffing level in Community Development (CD) department statistically significant (P=0.01)affecting 10% loan management at Lower Level Governments (LLG). It also found beneficiaries‟ knowledge statistically significant (0.000) influence loan management requirements. Results further showed Spearman correlation statistically significant (0.03) indicating that politicians have influence on 10% loan management procedures.Findings also revealed nine regulations that call for attention and found weaknesses in 10% loan provision and management regulations giving enough space to defaulters. The study concludes that department staffs‟ capacity has affected 10% loan management in Bariadi Town Council; Beneficiaries‟ Knowledge has significance relationship with loan management requirements, and politicians haveinfluence on loan management. Consequently, the study recommends that Local Government Authorities (LGAs) supervise and ensure loan applicants submit workable business ideas, monitor and evaluate their projects from the beginning.

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