Neema G. Mori

Neema G. Mori
University of Dar es Salaam | UDSM · Department of Finance

University of Agder

About

34
Publications
43,157
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354
Citations
Additional affiliations
August 2008 - present
Universitetet i Agder
Position
  • Research Associate

Publications

Publications (34)
Article
Purpose This paper examines the influence of relationship lending on the financial performance of Savings and Credit Co-operative Societies (SACCOS) in Tanzania. Design/methodology/approach A panel data of 460 observations representing 115 SACCOS from Tanzania was used. Descriptive statistics and panel regression models were employed to analyse th...
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Recent entrepreneurial finance literature identifies ‘borrower discouragement’ as an important phenomenon explaining why female entrepreneurs hold less capital to grow their venture. But how do you become a discouraged borrower? We apply grounded theory to interviews with Tanzanian female entrepreneurs and model the process via which these entrepre...
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Purpose The purpose of this paper is to establish the link between customer information sharing and new service development. Design/methodology/approach Through a survey of tourism firms, 295 questionnaires were collected in three large tourism locations in Tanzania. Thereafter, the hypotheses were tested by structural equation modeling (SEM) afte...
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Many businesses in emerging economies are financially constrained due to their limited use of formal loans. Recent evidence suggests that negative perceptions discourage entrepreneurs from applying for loans. One of the main issues entrepreneurs mention is unattainable collateral requirements. In this paper, we contribute to this line of research b...
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Microfinance co-operatives (MFCs) are increasingly accessing loans from other financial institutions to finance their lending activities. However, knowledge about the association between loans from other institutions and MFCs’ performance is limited. Therefore this paper contributes to the body of knowledge by extending the application of agency th...
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East African Community’s (EAC) corporations are required to follow a regional treaty of mainstreaming gender equality. This article discusses challenges encountered by corporate boards of the EAC’s corporations when adding women. Agency and resource dependence theories led the study, while a review of the literature was the methodology. We discuss...
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Purpose The purpose of this paper is to investigate the composition and role of a board of directors in a family-owned microfinance institution (FO-MFI) in Tanzania. Design/methodology/approach The paper is based on a longitudinal analysis of the board practices based on boardroom observations for the period between 2012 and 2015. The study furt...
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In absence of formal microinsurance to protect low-income people against natural and man-made disasters, the partnership between insurance companies and microfinance institutions (MFIs), also known as the Partner–Agent Model (PAM), is gaining global recognition from governments, practitioners, and donors for its potential role to deliver microinsur...
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Purpose The purpose of this paper is to empirically relate subordinate board structures with improved financial and social performance in microfinance institutions (MFIs). Design/methodology/approach The research question is analyzed using a panel data from 23 MFIs in Ethiopia over a period of 2006-2011. Random effects panel data estimation is app...
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We investigate the limited use of bank and microfinance loans by Tanzanian female entrepreneurs. Using survey data, we observe that female entrepreneurs mainly use informal sources to finance their businesses. We analyze how “perceptions” of gendered cognitive and normative institutions determine whether a female entrepreneur applies for a formal l...
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Microfinance institutions (MFIs) are typical examples of hybrid organisations, meaning organisations pursuing both a financial and social logic. This study examines the question of whether financial and social performance improves when an MFI’s chief executive officer (CEO) has a business education. We apply the random effects instrumental variable...
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Purpose The purpose of this article is to examine the effects that dynamic incentives and the borrowing histories of clients of informal lending institutions have on loan repayment performance, in particular, the extent to which multiple borrowing and progressive lending affect the repayment of loans. Design/methodology/approach The paper uses a...
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Purpose The purpose of this paper is to examine the effects of board composition on the profitability of banks in Tanzania. First, it examines the differences between local and foreign-owned banks in terms of their boards and profitability, and then the contribution of board composition to banks’ profitability. Design/methodology/approach The pa...
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We examine the effect of the collateral informal lenders use to ensure loan repayment. Specifically we measure how the use of movable and immovable assets affects loan repayment and delinquency rate, and assess the extent to which guarantorship and relationship-lending act as collateral to improve loan repayment. With a dataset of 835 individual bo...
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We investigated a sample of 3,098 randomly chosen youth-owned enterprises (YOEs) in Tanzania and studied their access to business development support (BDS) services. YOEs are defined as enterprises owned and run by young entrepreneurs, aged between sixteen and thirty-five, according to the Tanzanian definition of youth. We analyzed which BDS servic...
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The attributes of microfinance's board members have an impact on attainment of their social objectives.
Article
Active board participation is one of the main challenges faced by microfinance institutions. This article sets out to explore the effect of board of directors' characteristics (age, gender, and education) on their ability to effectively perform their board roles (monitoring and resource provision). Microfinance policy makers are concerned with the...
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This study investigates the association between the unique characteristics of microfinance institutions and board structure. The agency and resource dependence theories provided theoretical guidance for this study. Using a panel dataset of 63 microfinance institutions in East Africa, we found that the presence of regulations and international influ...
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Small and medium-sized enterprises play a significant role in the East African Community, contributing a significant percentage of national income and employing a significant number of people. Exportation provides greater opportunities for these enterprises to expand their businesses and improve their performance. However, they encounter a number o...
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This paper reports Tanzanian’s bankers’ reasons for not giving SMEs the amount they request as loans to finance their businesses. Open ended interviews were used to collect primary data from eight interviews in six commercial banks that serve SMEs and which have been in operation for more than five years. Secondary data was obtained from different...
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Microbanks provide financial services to low income people. Governance of these organizations is important for them to efficiently reach poor people and survive financially. Board is one among several governance mechanisms. This paper empirically analyses the influence of stakeholders who sit on boards, on board structure and performance of microba...
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Microfinance organizations provide financial services to low income individuals. In this paper I argue that good governance is a precondition for the long run survival of such organizations. The paper discusses importance and roles of stakeholders who sit on boards of microfinance organizations. The paper first identifies six types of microfinance...
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Full-text available
Microfinance organizations provide financial services to low income people. Governance of these organizations is important for them to efficiently reach poor people and survive financially. Board is one among several governance mechanisms. This paper empirically analyses the influence of stakeholders who sit on boards, on financial and outreach res...
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Purpose: This paper reviews the export literature and identifies the marketing challenges faced by exporting MSEs from developing economies. The paper further explores ways in which MSEs can adjust their marketing strategies to circumvent the challenges faced. Design/methodology/approach: It reviews both theoretical and empirical perspectives in ex...
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Access to finance is often cited as the most serious constraint by micro, small and medium enterprises in Tanzania. Access is even more difficult for the disadvantaged groups, such as women, youth, the disabled and rural dwellers. Typically, these groups are trapped in a vicious cycle of marginalisation, with limited social and human capital, limit...
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Full-text available
This paper reports Tanzanian bankers' reasons for not giving SMEs the amount they request as loans to finance their businesses. Open ended interviews were used to collect primary data from eight interviews in six commercial banks that serve SMEs and which have been in operation for more than five years. Secondary data was obtained from different do...
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Microfinance organizations provide financial services to low income people. These organizations have been increasing dramatically worldwide. This increment calls attention for these organizations and their boards to make strategic decisions which enable them perform well and compete with each other. Based on literature, this paper identifies six ty...
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The main purpose of the study was to assess the supporting environment for social entrepreneurship in Tanzania. Specifically, the study aimed at evaluating the current key stakeholders’ conceptualisation and recognition of Social Entrepreneurship concept and whether in Tanzania there is a supportive environment for Social Entrepreneurship. This was...
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Full-text available
Micro finance organizations have been increasing dramatically worldwide. This increment calls attention for these organizations to making strategic decisions which will enable them compete. We examine and discuss the roles that micro finance stakeholders in boards can play in the process of making these decisions. We combine board, strategic decisi...

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Project (1)
Project
Global dataset with more than 250 variables from more than 500 microfinance institutions covering up to 15 years of observations. First dataset that will allow comprehensive studies of trade-offs, mission drift etc. in the microfinance industry. The dataset will also allow better measurements of social performance. With the dataset I also expect to move more into the social entreprises / hybrid organizations literature. Researchers with a strong track record in applied statistics interested in working with me on joint papers are welcome to send me an email