http://41.59.91.195:9090/handle/123456789/39 2026-05-08T13:20:56Z http://41.59.91.195:9090/handle/123456789/350 The Contribution of Financial Technology to Financial Inclusion in Tanzania: Accessibility, Usage, Business Growth and Challenges of Financial Technology Adoption Badi, Lwidiko; Maliganya, Willy The study assesses the contribution of financial Technology to financial inclusion in Tanzania. It explored the accessibility and usage of financial Technology, the influence of financial technology on financial inclusion, the contributions of financial technology on business growth and barriers to financial technology adoptions in Tanzania. Innovation dissemination and Technology adoption theory were used to guide the study. The study was an empirical literature review based on observation, experience and evidence. The empirical articles were searched through the Google Scholar search engine using keywords such as financial technology, financial inclusion, accessibility and usage of financial technology, the effects of financial technology on financial inclusion, and barriers to financial technology adoption in Tanzania. Screening procedures for articles searched in Google Scholar were done using the publication date, the title, abstract, and conclusions sections of the articles, and ultimately, 20 articles were selected out of 5534 articles obtained from Google Scholar’s search engine. The results indicated that financial technology is currently accessible. Furthermore, the provision of mobile phones has enabled the usage of digital financial services to all who were previously underserved. There is an excellent connection between financial technology, financial inclusion and business growth. Despite the country’s widespread adoption of financial technology, challenges remain to make the technology more adoptable. These include digital divide, cybersecurity risks, and limited financial literacy. Policies and infrastructure for financial technology should be in place to push the adoption of the new technology to be inclusive. The study recommends that efforts must be in place to enhance the financial technology spread for economic growth in the country, as long as all nations that embrace financial technology have de- veloped financial systems and achieved economic growth. Article 2025-10-16T00:00:00Z http://41.59.91.195:9090/handle/123456789/349 The Contribution of Financial Technology to Financial Inclusion in Tanzania: Accessibility, Usage, Business Growth and Challenges of Financial Technology Adoption Maliganya, Willy; Badi, Lwidiko The study assesses the contribution of financial Technology to financial inclusion in Tanzania. It explored the accessibility and usage of financial Technology, the influence of financial technology on financial inclusion, the contributions of financial technology on business growth and barriers to financial technology adoptions in Tanzania. Innovation dissemination and Technology adoption theory were used to guide the study. The study was an empirical literature review based on observation, experience and evidence. The empirical articles were searched through the Google Scholar search engine using keywords such as financial technology, financial inclusion, accessibility and usage of financial technology, the effects of financial technology on financial inclusion, and barriers to financial technology adoption in Tanzania. Screening procedures for articles searched in Google Scholar were done using the publication date, the title, abstract, and conclusions sections of the articles, and ultimately, 20 articles were selected out of 5534 articles obtained from Google Scholar’s search engine. The results indicated that financial technology is currently accessible. Furthermore, the provision of mobile phones has enabled the usage of digital financial services to all who were previously underserved. There is an excellent connection between financial technology, financial inclusion and business growth. Despite the country’s widespread adoption of financial technology, challenges remain to make the technology more adoptable. These include digital divide, cybersecurity risks, and limited financial literacy. Policies and infrastructure for financial technology should be in place to push the adoption of the new technology to be inclusive. The study recommends that efforts must be in place to enhance the financial technology spread for economic growth in the country, as long as all nations that embrace financial technology have developed financial systems and achieved economic growth. Journal Article 2025-01-01T00:00:00Z http://41.59.91.195:9090/handle/123456789/335 The Knowledge of Climate Change among the Paddy Farmers of Kahama District, Shinyanga Region versus Meteorological Data Lunyelele, Samwel P; Zella, Adili.Y The study investigated the knowledge of the paddy farmers of Kahama District on climate versus three decades meteorological data in the District. Cross sectional research design was employed on which a randomly selected sample of 312 farm households were interviewed. The study employed a triangulation approach on which primary data were collected through household surveys, field observation and key informants’ interviews. Secondary data on the other hand were obtained from the Tanzania Meteorological Station (TMA) and were subjected to excel sheet on which linear series of rainfall and temperature were reported. The findings from primary and secondary data revealed changes in both rainfall and temperature in around three decades. The knowledge among the farmers on climate change was reported to be acquired in diverse ways including from the meteorological stations, information sharing among the farmers, NGOs and own experience. Farmers perceived a decreased in the onset and cessation of rainfall, increased pests and diseases and increased drought incidences. Secondary data obtained from the meteorological station confirmed the decreased rainfall and rising temperature in 30 years. These challenges negatively impact paddy productivity in the study area. The study recommends on upscaling of information dissemination among the farmers and across the other parties involved in paddy productivity. Further investigation on contextual-level adaptation responses is recommended as well Article 2024-01-01T00:00:00Z http://41.59.91.195:9090/handle/123456789/327 Gendered Impact of Climate Change among Paddy Farmers of Kahama District, Shinyanga Region, Tanzania Lunyelele, Samwel P; Zella, Adili.Y The study presents the findings on the research which examined gendered impacts of climate change among the paddy farmers of Kahama District, Shinyanga Region. Specifically, the study assessed gendered desegregated effects of climate change among the paddy farmers and the implications on the effects of climate change among women farmers of Kahama District. The study adopted a cross sectional research design on which 312 randomly selected farm households were interviewed. The study employed a triangulation approach whereby primary data were collected through household surveys, field observation and key informants’ interviews. The findings revealed that women and men farmers disproportionally affected by climate change. These effects include the prevalence pests and diseases over a period of 30 years and the general decrease in crop yields to due to the changes in temperature and rainfall patterns. These effects pose negative implications in increasing women’s workload and time burden, health and safety risks, and livelihood and food security respectively. The study concluded that women bear a disproportionate burden of the challenges of climate change due to existing social and economic inequalities. This negatively subject women farmers into health, livelihoods and overall additional household burden of the households’ activities. The study recommends to the Government to enforce gender sensitive policies and interventions. Furthermore, it is recommended to the Government to ensure that effective strategies prioritize gender equity and inclusivity so as to build a more adaptive farming community Article 2024-01-01T00:00:00Z