Abstract: The concept of financial inclusion has been tabled in the whole world where practitioners, academicians, policy makers and economists are working hard to look for the best possible opportunities in order to enable the whole society to be in the banking cycle. The Islamic banking system is considered to be one of the said opportunities. Countries like the United Kingdom, United States of America, Malaysia, Saudi Arabia, the whole of the United Arab Emirates and many African countries have accommodated the aspect of Islamic banking in the conventional banking system as one of the financial inclusion strategies. This paper tries to analyse the current state of affairs of the Islamic Banking system in Tanzania in order to understand the improvement of the provision of Islamic banking products and services in the said country. The paper discusses the historical background of the banking system in Tanzania, the level of penetration of banking products and services and the coming of the Islamic banking system in the country. Furthermore, the paper discusses banking regulatory bodies, legal instruments governing banking operations as well as number of legal challenges facing Islamic banking operations in the country. Following a critical literature review, the paper discovered that there is no legal instrument which talks about the introduction and provision of Islamic banking system in Tanzania. Furthermore, the Islamic banking system was considered as a banking product which is absolutely incorrect because Islamic banking is considered to be as a banking system of its own. In addition to that, it has been discovered that lack of a proper regulatory system and legal instruments to harmonize the conventional and Islamic banking systems has resulted in the closure of one Islamic window in the country, which in the end affects the credibility of the newly introduced banking system. In its conclusive remarks, the paper suggests that Tanzania should work on all legal challenges affecting the smooth operations of the Islamic banking system. This can be in a way of adopting various Islamic banking legal models which are used in countries like Malaysia and others, or a borrowing legal harmonization process which has been adopted by the UK, Uganda, Nigeria and Kenya.
Abstract: This paper attempted to investigate whether there is Granger-causality running from trade to environment as evidenced in the changing climatic condition and land degradation. Using Tanzania as the reference, VAR-Granger-causality test was employed to rationalize the conundrum of causal-effect relationship between trade and environment. The changing climatic condition, as the proxy of both nitrous oxide emissions (in thousand metric tons of CO2 equivalent) and land degradation measured by the size of arable land were tested against trade using both exports and imports variables. The result indicated that neither of the trade variables Granger-cause the variability on gas emissions and arable land size. This suggests the possibility that all trade concerns in relation to environment to have been internalized in domestic policies to offset any likely negative consequence.
Abstract: Food insecurity is a worrying challenge worldwide with sub-Saharan Africa including Tanzania being the most affected. Although factors that influence household food access security status and ways of coping with such factors have been examined, little has been reported on how these coping strategies vary along the urban-rural continuum especially in medium-sized towns. The purpose of this study was to identify food insecurity coping strategies employed by households and assess whether they are similar along the urban-rural continuum. The study was cross-sectional in design whereby a random sample of 279 households was interviewed using structured questionnaire. Data were analysed using Statistical Package for Social Sciences (SPSS) Version 20 software. It was revealed that the proportion of households relying on less preferred and quality foods, eating fewer meals per day, undertaking work for food or money, performing farm and off-farm activities, and selling fall back assets was higher in rural settings compared to urban and peri-urban areas. Similarly, more households in urban and peri-urban areas cope with food access insecurity by having strict food budgets compared to those in rural households (p ≤ 0.001). The study concludes that food insecurity coping strategies vary significantly from one spatial entity to another. It is thereby recommended that poor, particularly rural households should be supported to diversify their income-generating activities not only for food security purposes during times of food shortage but also as businesses aimed at increasing their household incomes.
Abstract: High tropical forests deforestation for solid wood furniture industry is among of climate change contributing agents. This pressure indirectly is caused by furniture joints failure due to poor gluing technology based on improper use of different glues to different wood species which lead to low quality and weak wood-glue joints. This study was carried in order to run performance tests of wood glues on different wood species used in wood workshops: Morogoro Tanzania whereby three popular wood species of C. lusitanica, T. glandis and E. maidenii were tested against five glues of Woodfix, Bullbond, Ponal, Fevicol and Coral found in the market. The findings were necessary on developing a guideline for proper glue selection for a particular wood species joining. Random sampling was employed to interview carpenters while conducting a survey on the background of carpenters like their education level and to determine factors that influence their glues choice. Monsanto Tensiometer was used to determine bonding strength of identified wood glues to different wood species in use under British Standard of testing wood shear strength (BS EN 205) procedures. Data obtained from interviewing carpenters were analyzed through Statistical Package of Social Science software (SPSS) to allow the comparison of different data while laboratory data were compiled, related and compared by the use of MS Excel worksheet software as well as Analysis of Variance (ANOVA). Results revealed that among all five wood glues tested in the laboratory to three different wood species, Coral performed much better with the average shear strength 4.18 N/mm2, 3.23 N/mm2 and 5.42 N/mm2 for Cypress, Teak and Eucalyptus respectively. This displays that for a strong joint to be formed to all tree wood species for soft wood and hard wood, Coral has a first priority in use. The developed table of guideline from this research can be useful to carpenters on proper glue selection to a particular wood species so as to meet glue-bond strength. This will secure furniture market as well as reduce pressure to the forests for furniture production because of the strong existing furniture due to their strong joints. Indeed, this can be a good strategy on reducing climate change speed in tropics which result from high deforestation of trees for furniture production.
Abstract: This paper attempted to assess whether the size of the regional economic bloc has an impact to the flow of trade to a particular country. Two different sized blocs (COMESA and EAC) and one country (Tanzania) have been used as the point of references. Using the results from of the analyses, the paper also was anticipated to establish whether it was rational for Tanzania to withdraw its membership from COMESA (the larger bloc) to join EAC (the small one). Gravity model has been used to estimate the relationship between the variables, from which the bilateral trade flows between Tanzania and the eighteen member countries of the two blocs (COMESA and EAC) was employed for the time between 2000 and 2013. In the model, the dummy variable for regional bloc (bloc) at which the Tanzania trade partner countries belong are also added to the model to understand which trade bloc exhibit higher trade flow with Tanzania. From the findings, it was noted that over the period of study (2000-2013) Tanzania acknowledged more than 257% of trade volume in EAC than in COMESA. Conclusive, it was noted that the flow of trade is explained by many other variables apart from the size of regional bloc; and that the size by itself offer insufficient evidence in causality relationship. The paper therefore remain neutral on such staggered switching decision since more analyses are required to establish the country’s trade flow, especially when if it had been in multiple membership of COMESA and EAC.
Abstract: Sub-Saharan Africa is described as the second fastest
growing in mobile phone penetration in the world more than in the
United States or the European Union. Mobile phones have been used
to provide a lot of opportunities to improve people’s lives in the
region such as in banking, marketing, entertainment, and paying for
various bills such as water, TV, and electricity. However, the
potential of mobile phones to enhance teaching and learning has not
been explored. This study presents an experience of developing and
delivering SMS based quiz questions used to assess mastery of
subject content knowledge of science and mathematics secondary
school teachers in Tanzania. The SMS quizzes were used as a follow
up support mechanism to 500 teachers who participated in a project
to upgrade subject content knowledge of teachers in science and
mathematics subjects in Tanzania. Quizzes of 10-15 questions were
sent to teachers each week for 8 weeks and the results were analyzed
using SPSS. Results show that teachers who participated in chemistry
and biology subjects have better performance compared to those who
participated in mathematics and physics subjects. Teachers reported
some challenges that led to poor performance, This research has
several practical implications for those who are implementing or
planning to use mobile phones in teaching and learning especially in
rural secondary schools in sub-Saharan Africa.
Abstract: This paper presents the design, development and
evaluation of an application prototype developed to support
tuberculosis (TB) patients’ treatment adherence. The system makes
use of graphics and voice reminders as opposed to text messaging to
encourage patients to follow their medication routine. To evaluate the
effect of the prototype applications, participants were given mobile
phones on which the reminder system was installed. Thirty-eight
people, including TB health workers and patients from Zanzibar,
Tanzania, participated in the evaluation exercises. The results
indicate that the participants found the mobile image-based
application is useful to support TB treatment. All participants
understood and interpreted the intended meaning of every image
correctly. The study findings revealed that the use of a mobile visualbased
application may have potential benefit to support TB patients
(both literate and illiterate) in their treatment processes.
Abstract: Introduction: Researchers globally have strived to explore diverse factors that augment the continuation and uptake of family planning methods. Clients’ satisfaction is one of the core determinants facilitating continuation of family planning methods. There is a major debate yet scanty evidence to contrast public and private sectors with respect to client satisfaction. The objective of this study is to compare quality-of-care provided by public and private sectors of Pakistan through a client satisfaction lens. Methods: We used Pakistan Demographic Heath Survey 2012-13 dataset on 3133 women. Ten different multivariate models were made. to explore the relationship between client satisfaction and dependent outcome after adjusting for all known confounding factors and results are presented as OR and AOR (95% CI). Results: Multivariate analyses showed that clients were less satisfied in contraceptive provision from private sector as compared to public sector (AOR 0.92, 95% CI 0.63-1.68) even though the result was not statistically significant. Clients were more satisfied from private sector as compared to the public sector with respect to other determinants of quality-of-care follow-up care (AOR 3.29, 95% CI 1.95-5.55), infection prevention (AOR 2.41, 95% CI 1.60-3.62), counseling services (AOR 2.01, 95% CI 1.27-3.18, timely treatment (AOR 3.37, 95% CI 2.20-5.15), attitude of staff (AOR 2.23, 95% CI 1.50-3.33), punctuality of staff (AOR 2.28, 95% CI 1.92-4.13), timely referring (AOR 2.34, 95% CI 1.63-3.35), staff cooperation (AOR 1.75, 95% CI 1.22-2.51) and complications handling (AOR 2.27, 95% CI 1.56-3.29). Discussion: Public sector has successfully attained substantial satisfaction levels with respect to provision of contraceptives, but it contrasts previous literature from a multi country studies. Our study though in is concordance with a study from Tanzania where public sector was more likely to offer family planning services to clients as compared to private facilities. Conclusion: In majority of the developing countries, public sector is more involved in FP service provision; however, in Pakistan clients’ satisfaction in private sector is more, which opens doors for public-private partnerships and collaboration in the near future.
Abstract: Moodle is an open source learning management
system that enables creation of a powerful and flexible learning
environment. Many organizations, especially learning institutions
have customized Moodle open source LMS for their own use. In
general open source LMSs are of great interest due to many
advantages they offer in terms of cost, usage and freedom to
customize to fit a particular context. Tanzania Secondary School e-
Learning (TanSSe-L) system is the learning management system for
Tanzania secondary schools. TanSSe-L system was developed using
a number of methods, one of them being customization of Moodle
Open Source LMS. This paper presents few areas on the way Moodle
OS LMS was customized to produce a functional TanSSe-L system
fitted to the requirements and specifications of Tanzania secondary
schools’ context.
Abstract: The use of mobile phones is growing tremendously all
over the world. In Tanzania there are a number of operators licensed
by Tanzania Communications Regulatory Authority (TCRA) aiming
at attracting customers into their networks. So far
telecommunications market competition has been very stiff. Various
measures are being taken by mobile operators to survive in the
market. Such measure include introducing of different air time
bundles on daily, weekly and monthly at lower tariffs. Other
measures include the introduction of normal tariff, tourist package
and one network. Despite of all these strategies, there is a dynamic
competition in the market which needs to be explored. Some
influences which attract customers to choose a certain mobile
operator are of particular interest. This paper is investigating if the
network effects and Quality of Services (QoS) influence mobile
customers in selection of their mobile network operators. Seventy
seven students from high learning institutions in Dodoma
Municipality in Tanzania participated in responding to prepared
questionnaires. The data was analyzed using Statistical Package for
Social Science (SPSS) Software. The results indicate that, network
coverage does influence customers in selection of mobile operators.
In addition, this paper proposes further research in some areas
especially where the study came up with different findings from what
the theory has in place.
Abstract: In recent years, the adoption of mobile phones has been exceptionally rapid in many parts of the world, and Tanzania is not exceptional. We are witnessing a number of new mobile network operators being licensed from time to time by Tanzania Communications Regulatory Authority (TCRA). This makes competition in the telecommunications market very stiff. All mobile phone companies are struggling to earn more new customers into their networks. This trend courses a stiff competition. The various measures are being taken by different companies including, lowering tariff, and introducing free short messages within and out of their networks, and free calls during off-peak periods. This paper is aimed at investigating the influence of tariffs on students’ mobile customers in selecting their mobile network operators. About seventy seven students from high learning institutions in Dodoma Municipality, Tanzania, participated in responding to the prepared questionnaires. The sought information was aimed at determining if tariffs influenced students into selection of their current mobile operators. The results indicate that tariffs were the major driving factor in selection of mobile operators. However, female mobile customers were found to be more easily attracted into subscribing to a mobile operator due to low tariffs, a bigger number of free short messages or discounted call charges than their fellow male customers.
Abstract: ICT services are a key element of communications and important for socio-economic development. In recognition of the importance of this, the Tanzanian Government started to implement a National ICT Broadband Infrastructure Fibre Optic Backbone (NICTBB) in 2009; this development was planned to be implemented in four phases using an optical dense wavelength division multiplexing (DWDM) network technology in collaboration with the Chinese Government through the Chinese International Telecommunications Construction Corporation (CITCC) under a bilateral agreement. This paper briefly explores the NICTBB network technologies implementation, operations and Internet bandwidth costs. It also provides an in depth assessment of the delivery of ICT services such as e-services and m-services in both urban and rural areas following commissioning of the NICTBB system. Following quantitative and qualitative approaches, the study shows that there have been significant improvements in utilization efficiency, effectiveness and the reliability of the ICT service such as e-services and m-services the NICTCBB was commissioned.
Abstract: This paper investigates the possibility of improving throughputs of some Media Access Controls protocols such as ALOHA, slotted ALOHA and Carrier Sense Multiple Access with Collision Avoidance with the aim of increasing the performance of Powerline access networks. In this investigation, the real Powerline network topology in Tanzania located in Dar es Salaam City, Kariakoo area was used as a case study. During this investigation, Wireshark Network Protocol Analyzer was used to analyze data traffic of similar existing network for projection purpose and then the data were simulated using MATLAB. This paper proposed and analyzed three improvement techniques based on collision domain, packet length and combination of the two. From the results, it was found that the throughput of Carrier Sense Multiple Access with Collision Avoidance protocol improved noticeably while ALOHA and slotted ALOHA showed insignificant changes especially when the hybrid techniques were employed.
Abstract: In this study, a field testing has been carried out to assess the power characteristics of some small scale wind turbines fabricated by one native technician from Tanzania. Two Horizontal Axis Wind Turbines (HAWTs), one with five and other with sixteen blades were installed at a height of 2.4m above the ground. The rotation speed of the rotor blade and wind speed approaching the turbines were measured simultaneously. The data obtained were used to determine how the power coefficient varies as a function of tip speed ratio and also the way in which the output power compares with available power in the wind for each turbine. For the sixteen-bladed wind turbine the maximum value of power coefficient of about 0.14 was found to occur at a tip speed ratio of around 0.65 while for the five bladed, these extreme values were respectively attained at approximately 0.2 and 1.7. The five bladed-wind turbine was found to have a higher power efficiency of about 37.5% which is higher compared to the sixteen bladed wind turbine whose corresponding value was 14.37%. This is what would be expected, as the smaller the number of blades of a wind turbine, the higher the electric power efficiency and vice versa. Some of the main reasons for the low efficiency of these machines may be due to the low aerodynamic efficiency of the turbine or low efficiency of the transmission mechanisms such as gearbox and generator which were not examined in this study. It is recommended that some other researches be done to investigate the power efficiency of such machines from different manufacturers in the country. The manufacturers should also be encouraged to use fewer blades in their designs so as to improve the efficiency and at the same time reduce materials used to fabricate the blades. The power efficiency of the electric generators used in the locally fabricated wind turbines should also be examined.
Abstract: Tanzania Secondary Schools e-Learning (TanSSe-L) system is a customized learning management system (LMS) developed to enable ICT support in teaching and learning functions. Methodologies involved in the development of TanSSe-L system are Object oriented system analysis and design with UML to create and model TanSSe-L system database structure in the form of a design class diagram, Model Driven Architecture (MDA) to provide a well defined process in TanSSe-L system development, where MDA conceptual layers were integrated with system development life cycle and customization of open source learning management system which was used during implementation stage to create a timely functional TanSSe-L system. Before customization, a base for customization was prepared. This was the manual transformation from TanSSe-L system platform independent models (PIM) to TanSSe-L system specific PIM. This paper presents how Moodle open source LMS was analyzed and prepared to be the TanSSe-L system specific PIM as applied by MDA.
Abstract: Power line channel is proposed as an alternative for broadband data transmission especially in developing countries like Tanzania [1]. However the channel is affected by stochastic attenuation and deep notches which can lead to the limitation of channel capacity and achievable data rate. Various studies have characterized the channel without giving exactly the maximum performance and limitation in data transfer rate may be this is due to complexity of channel modeling being used. In this paper the channel performance of medium voltage, low voltage and indoor power line channel is presented. In the investigations orthogonal frequency division multiplexing (OFDM) with phase shift keying (PSK) as carrier modulation schemes is considered, for indoor, medium and low voltage channels with typical ten branches and also Golay coding is applied for medium voltage channel. From channels, frequency response deep notches are observed in various frequencies which can lead to reduce the achievable data rate. However, is observed that data rate up to 240Mbps is realized for a signal to noise ratio of about 50dB for indoor and low voltage channels, however for medium voltage a typical link with ten branches is affected by strong multipath and coding is required for feasible broadband data transfer.
Abstract: The African Great Lakes Region refers to the zone
around lakes Victoria, Tanganyika, Albert, Edward, Kivu, and
Malawi. The main source of electricity in this region is hydropower
whose systems are generally characterized by relatively weak,
isolated power schemes, poor maintenance and technical deficiencies
with limited electricity infrastructures. Most of the hydro sources are
rain fed, and as such there is normally a deficiency of water during
the dry seasons and extended droughts. In such calamities fossil fuels
sources, in particular petroleum products and natural gas, are
normally used to rescue the situation but apart from them being nonrenewable,
they also release huge amount of green house gases to our
environment which in turn accelerates the global warming that has at
present reached an amazing stage. Wind power is ample, renewable,
widely distributed, clean, and free energy source that does not
consume or pollute water. Wind generated electricity is one of the
most practical and commercially viable option for grid quality and
utility scale electricity production. However, the main shortcoming
associated with electric wind power generation is fluctuation in its
output both in space and time. Before making a decision to establish
a wind park at a site, the wind speed features there should therefore
be known thoroughly as well as local demand or transmission
capacity. The main objective of this paper is to utilise monthly
average wind speed data collected from one prospective site within
the African Great Lakes Region to demonstrate that the available
wind power there is high enough to generate electricity. The mean
monthly values were calculated from records gathered on hourly
basis for a period of 5 years (2001 to 2005) from a site in Tanzania.
The documentations that were collected at a height of 2 m were
projected to a height of 50 m which is the standard hub height of
wind turbines. The overall monthly average wind speed was found to
be 12.11 m/s whereas June to November was established to be the
windy season as the wind speed during the session is above the
overall monthly wind speed. The available wind power density
corresponding to the overall mean monthly wind speed was evaluated
to be 1072 W/m2, a potential that is worthwhile harvesting for the
purpose of electric generation.
Abstract: Information and Communications Technologies (ICT) has been integrated in education in many developing and developed countries alike, but the use of ICT in Tanzanian schools is dismal. Many Tanzanian secondary schools have no computers. The few schools with computers use them primarily for secretarial services and computer literacy training. The Tanzanian education system at other levels like secondary school level has to undergo substantial transformation, underscored by the growing application of new information and communication technology. This paper presents the e-readiness survey result from secondary schools in Tanzania. The paper also suggests how Tanzania can make use of the few present ICT resources to support and improve teaching and learning functions to improve performance and acquisition of knowledge by using e-Learning Management System (e-LMS).
Abstract: Wind is among the potential energy resources which
can be harnessed to generate wind energy for conversion into
electrical power. Due to the variability of wind speed with time and
height, it becomes difficult to predict the generated wind energy more
optimally. In this paper, an attempt is made to establish a
probabilistic model fitting the wind speed data recorded at
Makambako site in Tanzania. Wind speeds and direction were
respectively measured using anemometer (type AN1) and wind Vane
(type WD1) both supplied by Delta-T-Devices at a measurement
height of 2 m. Wind speeds were then extrapolated for the height of
10 m using power law equation with an exponent of 0.47. Data were
analysed using MINITAB statistical software to show the variability
of wind speeds with time and height, and to determine the underlying
probability model of the extrapolated wind speed data. The results
show that wind speeds at Makambako site vary cyclically over time;
and they conform to the Weibull probability distribution. From these
results, Weibull probability density function can be used to predict
the wind energy.
Abstract: An electric power system includes a generating, a
transmission, a distribution, and consumers subsystems. An electrical
power network in Tanzania keeps growing larger by the day and
become more complex so that, most utilities have long wished for
real-time monitoring and remote control of electrical power system
elements such as substations, intelligent devices, power lines,
capacitor banks, feeder switches, fault analyzers and other physical
facilities. In this paper, the concept of automation of management of
power systems from generation level to end user levels was
determined by using Power System Simulator for Engineering
(PSS/E) version 30.3.2.