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The research investigated the degree to which client appraisal relate to financial sustainability among Microfinance Institutions in Tanzania. Grounded on Resource Based View Theory, the study employed an explanatory research design whereby data was collected from a sample of 291 microfinance institutions from Dodoma, Iringa and Shinyanga regions. Semi-structured questionnaire in form of 5-point Likert scale was used to collect data which were analysed through inferential method. Research findings revealed that credit terms negatively influenced financial sustainability, whereas integration capabilities significantly and positively affected financial sustainability. Research findings further revealed that introduction of dynamic capabilities into the structural model improved the coefficient of determination (R²) value from 0.150 to 0.218, confirming their moderating role. Specifically, integration capability amplified the positive impact of internal control (IIC → SI, β = 0.157, p = 0.006), while sensing and learning did not significantly alter base relationships.  Moreover, the research findings indicated that R² of 0.218 (adjusted R² = 0.175) accounted for approximately 22 percent of the variance in financial sustainability, reflecting the combined influence of loan delinquency strategies and dynamic capabilities.  The study concludes that financial sustainability of MFIs in Tanzania depended not only on internal management practices, but also on external environmental conditions and institutional maturity, thereby necessitating multi-level policy interventions. The study recommends that MFIs in Tanzania adopt context-sensitive credit policies, such as granting of grace periods or seasonal repayment structures, especially for clients in agriculture and informal sectors. Also, strengthening learning systems including provision of staff training, knowledge sharing, and performance reflection could complement integration capabilities to boost long-term sustainability. Finally, MFIs should adopt adaptive management frameworks that combine governance, data analytics, and collaborative networks to manage delinquency dynamics.

The aim of this study is to examine threats related to informal fish vending business among urban-based women and to propose strategies for overcoming the threats. Specifically, the study ascertains the threats associated with the fishing business and strategies for coping and the capacity to cope. Based on the multi-layered social resilience framework, this study used a qualitative design and a sample size of 30 participants obtained both randomly and purposively. The findings revealed that threats experienced by the vendors include stigma, fish scarcity, higher fish prices, inadequate business capital, various forms of gender-related violence such as sexual harassment, lack of legal status, and various forms of crime including robbery, theft, and pickpocketing. Findings further indicated that vendors managed to develop both reactive and proactive strategies for coping with the threats. Reactive strategies include joining small self-helping groups popularly known as Village Community Banking (VICOBA) and soliciting family and relative support against insecurity threats. Proactive strategies include securing business financing from credible institutions, business diversification and adopting new kinds of business, business registration and licensing, searching for and participating in education and capacity-building programs, as well as business advocacy. It is recommended that government support, provision of education, and access to credit, should be considered in supporting women fish vendors to cope with the threats in their fishing business activities.

For generations, women in Tanzania have been undermined economically despite efforts from the government, educational institutions, and non-governmental organizations. Besides all of them, the growth of digital communication is emerging, inseparable from transforming women’s empowerment economically, politically, and socially. However, how social media has empowered women financially as an aspect of economic empowerment remains understudied in Tanzania. This study assesses the role of social media in the digital economy to realize its contribution to women’s financial empowerment. Specifically, the study assesses the financial activities of women’s support groups through social media, examines how social media offer economic opportunities to women’s support groups and identify the challenges associated with social media women’s support groups. This study is qualitatively designed and employs in-depth interviews with leaders of women’s support groups in the city of Dodoma. The findings highlight the benefits of WhatsApp social media as a platform for digital economic practices, specifically in enhancing the performance of financial activities. The results also revealed a lack of binding principles among women’s support groups, making them fragile and affecting their growth and sustainability. The study recommends establishing government regulations that bind members who decide to help each other through social media sites. This practice ensures the sustainability of women’s financial groups and avoids online fraud thus, promote women’s financial empowerment and participation in the digital economy in Tanzania.

The study was conducted in Tanzania to assess the effect of financial service access on the agricultural commercialization of smallholder rice growers in Kilombero under the moderating effect of institutional cultural cognition. Primary data were collected from 397 smallholder farmers, and after data cleaning, we remained with 358 responses subjected to regression analysis. Data were analyzed using hierarchical multiple regression analysis with the help of IBM SPSS software. The findings revealed that financial service access significantly positively affected commercialization. Also, the results confirm that institutional cultural cognition has a significant negative moderation effect on the relationship between financial inclusion and agriculture commercialization. The results suggest that reducing cultural cognition can increase financial service access. So, if the wrong perception and beliefs of the poor and marginalized society toward formal financial services can be reduced, then access to formal financial services will be increased, thus improving the level of agriculture commercialization. Also, we recommend that policymakers and the government set policies to reduce the cost of accessing financial services and enhance financial services availability.

Many credit schemes in Tanzania channel their funds to women with the objective of alleviating poverty among them. Despite this, majority of women in the country continue to wallow in poverty. The present research was carried out among the Foundation for International Community Assistance’s women credit beneficiaries in Mwanza. The study set out to address the following objectives: to analyze the influence of the husband’s cooperation, relevant training and interest rate on poverty alleviation among women credit beneficiaries in Tanzania taking Foundation for International Community Assistance in Mwanza as a case study. Using simple regression model, results showed that cooperation from the husband as well as relevant training influences poverty alleviation among women credit beneficiaries in Tanzania by 56 and 36 percent respectively. But interest rate was found to have no significant influence at all. The paper recommends that seminars be conducted so that husbands can be taught the importance of cooperating with their wives. Above all giving training to women credit beneficiaries will go a long way in sharpening their business skills. Future researchers should research on laziness and complacency among women credit beneficiaries and the influence on poverty.