The Influence of Electronic Loan Processing on Loan Performance: A Case Study of Microfinance institutions in Zanzibar.

Kapinga, Thobias D. (2025) The Influence of Electronic Loan Processing on Loan Performance: A Case Study of Microfinance institutions in Zanzibar. Masters thesis, The Open University of Tanzania.

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Abstract

This study sought to determine the influence of electronic loan processing on loan performance in microfinances in Zanzibar. The study was based on three main variables: electronic client and business assessment, electronic loan monitoring, and electronic loan repayment. A sample of 50 respondents, comprising clients, loan officers, and credit managers in the microfinance industry, was used. The collected data were analysed and interpreted using inferential statistics (Pearson's correlation and linear regression) in the Statistical Package for the Social Sciences (SPSS). Electronic client and business assessment, electronic loan monitoring, and electronic loan repayment were found to be strongly statistically significant for loan performance in microfinance institutions. The study recommends that microfinance institutions should improve loan process automation through electronic platforms and upscale real-time processing to improve loan performance. Likewise, there should be an established policy to enhance the provision and access to financial services, including favourable credit facilities. Further research is recommended on: the influence of electronic loan processes on other financial aspects of financial institutions, such as financial performance and financial growth; the assessment of the effects of economic downturns on loan performance in microfinance; and the influence of advanced technologies on financial inclusion. Keywords: Electronic Clients and Business Assessment, Electronic Loan Monitoring, Electronic Loan Repayment, Loan Performance, and Zanzibar

Item Type: Thesis (Masters)
Subjects: 300 Social Sciences > 330 Economics
Divisions: Faculty of Business Management > Department of Accounting and Finance
Depositing User: Mr Habibu Kazimzuri
Date Deposited: 30 Jan 2026 15:50
Last Modified: 30 Jan 2026 15:50
URI: http://repository.out.ac.tz/id/eprint/5014

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