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In recent times, the use of mobile banking has expanded significantly in Tanzania, but its impact on Savings and Credit Cooperative Society (SACCOS) purposes are still uncertain. This study examined mobile banking's effects on Tanzania's SACCOS, using a quantitative research approach. Purposive sampling was employed to select three SACCOS offering electronic banking services in Dar es Salaam and Kilimanjaro regions, with a total sample size of 64 employees and supplemented them with secondary data from 2020 to 2024 from SACCOS reports and financial statements. Statistical analysis was used to describe mobile banking usage and regression analysis was performed to evaluate the correlation between mobile banking usage and return on assets (ROA). The results showed a favourable correlation between mobile banking and performance (ROA), mobile banking was favorably viewed for improving accessibility and efficiency. Mobile banking positively affects SACCOS in Tanzania by offering and enhancing new ways of addressing financial barriers. Emphasizing the need for SACCOS to adopt the evolving technological innovations and other electronic banking features. Despite the existing challenges, SACCOS continually strive to minimize such challenges. The study recommends that SACCOS should set up robust customer support systems to address technical and security issues, streamlined regulatory compliance and mitigate the challenges associated with the adoption of mobile banking. This conclusion emphasizes the dual need for technological advancement and organizational support to fully leverage mobile banking as a tool for financial growth and inclusion in cooperative societies.

This study assessed the impact of improved urban road network on financial performance of Small and Medium Enterprises focusing in Dodoma, Tanzania. The study employed a cross sectional research design where by a sample of 89 SMEs from the selected three wards in Dodoma city was used to draw the conclusion. Qualitative data collected through questionnaires were analyzed using content analysis while quantitative data analyzed using descriptive statistics and multiple regression analysis. The key findings from the study include: i) accessible roads to customers toward SME were having positive influence to SMEs performance ii) market accessibility by customers and consumers was the key factor in improving SMEs financial performance in Dodoma city and lastly, an effective time management and improved transportation of goods and services were positive related to the amount of sales revenue generated by SMEs. The conclusion is drawn to improve the urban road networks as among of the key factors in improving the performance of SMEs in Dodoma city by increasing sales and profit. It is therefore recommended that, the government and other stakeholders in the construction sector should continue to improve urban road networks and start offering basic business and financial management skills which would enable SMEs owners to make informed investment decisions as well as enhance their entrepreneurial skills which will facilitate in recognizing and exploiting the available business opportunities.

This study assessed users' skill in operating the electronic records management system, specifically concerning the Workers Compensation Fund (WCF). The study specifically examined the training for the electronic records management system, encompassing the types of training offered, their frequency, and the relevance and effectiveness of the training delivered. The study population consisted of all employees at WCF. The study deployed a descriptive research design in conjunction with qualitative and quantitative methodologies. The sample size consisted of 115 respondents. Data were gathered by questionnaires, interviews, and observational methods. Additionally, qualitative data were quantitatively evaluated using IBM-SPSS version 20, along with Microsoft Word and Excel, to ascertain the frequency and percentage of respondents' replies in relation to the study findings. Findings indicated that WCF offers operational training for ERMS, while security and technical training for ERMS staff is conducted annually to enhance employees' abilities and expertise in administering ERMS.  The study indicates that the management of WCF should continue to empower the ICT team to provide comprehensive in-house support. Additionally, negotiate with EGA for a dedicated desk to address their technical difficulties.

The study analyzed the impact of non-aeronautical revenues on airport performance at Julius Nyerere International Airport in Dar es salaam, Tanzania. The study used longitudinal design in which time series data from financial statements and integrated reports for the financial years 2017/18 to 2020/21 was undertaken. The Multiple linear regression models were employed in analyzing the contribution of non- aeronautical revenues on improving the airport facilities. Findings of the study demonstrated that, i) rental fees and car parking charges impacted positively the improvement of the airport facilities, ii) advertisement also positive and significantly contributed on the improvement of the airport facilities at Julius Nyerere International Airport. This implies that, JNIA can further increase its total revenues by expanding the scope of retail operations at the airports under its jurisdiction as additional sources of income. It is recommended that airport managements and other stakeholders responsible for airports’ infrastructure and transport to expand more use of NARVs sources so as to improve the service delivery for their passengers and gain more revenues for future financial stability.

The purpose of this study was to assess factors affecting succession planning in family-owned fish trading SMEs businesses in Mwanza city. The research utilized quantitative methodologies to evaluate the effect of individual, familial, and organizational factors on succession planning within family-owned small and medium-sized enterprises (SMEs) in Mwanza city. Chi-square analyses revealed that leadership, delegation, the ability to disassociate from the business, and successor preferences significantly influence succession planning. Moreover, the interest and abilities of the successor plays a crucial role in the planning process. The study further found that family-level factors, including traditions, compensating family members, formal communication forums, and the desire to maintain family control, also significantly affect succession planning. Regression analyses indicated that individual factors such as leadership, delegation, and the abilities of potential successors positively influenced succession planning. At the family level, practices like compensating family members and establishing formal communication channels significantly contributed to succession planning, while traditional practices like favouring the eldest son as a successor did not have a substantial impact. Additionally, the study identified that the readiness of the successor, the presence of a clear and documented succession plan, effective board governance, a well-defined organizational structure, and the existence of a written strategic plan were key predictors of successful succession planning. The findings suggest that businesses with well-defined and specific succession plans, identified successors, and active development plans for the next generation are more likely to achieve success in shaping succession planning within family-owned fish trading SMEs, providing a solid foundation for successful ownership transitions. This research offers valuable insights for future research and policy development concerning SME succession planning and business sustainability.

In recent times, the use of mobile banking has expanded significantly in Tanzania, but its impact on Savings and Credit Cooperative Society (SACCOS) purposes are still uncertain. This study examined mobile banking's effects on Tanzania's SACCOS, using a quantitative research approach. Purposive sampling was employed to select three SACCOS offering electronic banking services in Dar es Salaam and Kilimanjaro regions, with a total sample size of 64 employees and supplemented them with secondary data from 2020 to 2024 from SACCOS reports and financial statements. Statistical analysis was used to describe mobile banking usage and regression analysis was performed to evaluate the correlation between mobile banking usage and return on assets (ROA). The results showed a favourable correlation between mobile banking and performance (ROA), mobile banking was favorably viewed for improving accessibility and efficiency. Mobile banking positively affects SACCOS in Tanzania by offering and enhancing new ways of addressing financial barriers. Emphasizing the need for SACCOS to adopt the evolving technological innovations and other electronic banking features. Despite the existing challenges, SACCOS continually strive to minimize such challenges. The study recommends that SACCOS should set up robust customer support systems to address technical and security issues, streamlined regulatory compliance and mitigate the challenges associated with the adoption of mobile banking. This conclusion emphasizes the dual need for technological advancement and organizational support to fully leverage mobile banking as a tool for financial growth and inclusion in cooperative societies.

This study assessed users' skill in operating the electronic records management system, specifically concerning the Workers Compensation Fund (WCF). The study specifically examined the training for the electronic records management system, encompassing the types of training offered, their frequency, and the relevance and effectiveness of the training delivered. The study population consisted of all employees at WCF. The study deployed a descriptive research design in conjunction with qualitative and quantitative methodologies. The sample size consisted of 115 respondents. Data were gathered by questionnaires, interviews, and observational methods. Additionally, qualitative data were quantitatively evaluated using IBM-SPSS version 20, along with Microsoft Word and Excel, to ascertain the frequency and percentage of respondents' replies in relation to the study findings. Findings indicated that WCF offers operational training for ERMS, while security and technical training for ERMS staff is conducted annually to enhance employees' abilities and expertise in administering ERMS.  The study indicates that the management of WCF should continue to empower the ICT team to provide comprehensive in-house support. Additionally, negotiate with EGA for a dedicated desk to address their technical difficulties.

This study assessed the impact of improved urban road network on financial performance of Small and Medium Enterprises focusing in Dodoma, Tanzania. The study employed a cross sectional research design where by a sample of 89 SMEs from the selected three wards in Dodoma city was used to draw the conclusion. Qualitative data collected through questionnaires were analyzed using content analysis while quantitative data analyzed using descriptive statistics and multiple regression analysis. The key findings from the study include: i) accessible roads to customers toward SME were having positive influence to SMEs performance ii) market accessibility by customers and consumers was the key factor in improving SMEs financial performance in Dodoma city and lastly, an effective time management and improved transportation of goods and services were positive related to the amount of sales revenue generated by SMEs. The conclusion is drawn to improve the urban road networks as among of the key factors in improving the performance of SMEs in Dodoma city by increasing sales and profit. It is therefore recommended that, the government and other stakeholders in the construction sector should continue to improve urban road networks and start offering basic business and financial management skills which would enable SMEs owners to make informed investment decisions as well as enhance their entrepreneurial skills which will facilitate in recognizing and exploiting the available business opportunities.

The study analyzed the impact of non-aeronautical revenues on airport performance at Julius Nyerere International Airport in Dar es salaam, Tanzania. The study used longitudinal design in which time series data from financial statements and integrated reports for the financial years 2017/18 to 2020/21 was undertaken. The Multiple linear regression models were employed in analyzing the contribution of non- aeronautical revenues on improving the airport facilities. Findings of the study demonstrated that, i) rental fees and car parking charges impacted positively the improvement of the airport facilities, ii) advertisement also positive and significantly contributed on the improvement of the airport facilities at Julius Nyerere International Airport. This implies that, JNIA can further increase its total revenues by expanding the scope of retail operations at the airports under its jurisdiction as additional sources of income. It is recommended that airport managements and other stakeholders responsible for airports’ infrastructure and transport to expand more use of NARVs sources so as to improve the service delivery for their passengers and gain more revenues for future financial stability.

The purpose of this study was to assess factors affecting succession planning in family-owned fish trading SMEs businesses in Mwanza city. The research utilized quantitative methodologies to evaluate the effect of individual, familial, and organizational factors on succession planning within family-owned small and medium-sized enterprises (SMEs) in Mwanza city. Chi-square analyses revealed that leadership, delegation, the ability to disassociate from the business, and successor preferences significantly influence succession planning. Moreover, the interest and abilities of the successor plays a crucial role in the planning process. The study further found that family-level factors, including traditions, compensating family members, formal communication forums, and the desire to maintain family control, also significantly affect succession planning. Regression analyses indicated that individual factors such as leadership, delegation, and the abilities of potential successors positively influenced succession planning. At the family level, practices like compensating family members and establishing formal communication channels significantly contributed to succession planning, while traditional practices like favouring the eldest son as a successor did not have a substantial impact. Additionally, the study identified that the readiness of the successor, the presence of a clear and documented succession plan, effective board governance, a well-defined organizational structure, and the existence of a written strategic plan were key predictors of successful succession planning. The findings suggest that businesses with well-defined and specific succession plans, identified successors, and active development plans for the next generation are more likely to achieve success in shaping succession planning within family-owned fish trading SMEs, providing a solid foundation for successful ownership transitions. This research offers valuable insights for future research and policy development concerning SME succession planning and business sustainability.