Influence of Banks Loan Management Practices on Bank Stability in Tanzania

2025-04-03T19:20:18+00:00

This study examined the relationship between banks loan management practices and bank stability. It focuses on 45 banks located in Tanzania, using the Agency Theory and Credit Risk Management Theory. The study used the cross-sectional research design, focusing on staff from all 45 banks licenced by the Bank of Tanzania. A representative sample of five officer from each bank yielded 220 respondents. The selection based on their specialized tasks and responsibilities within the specific banking institutions, including key positions such as Finance Officer, Human Resource Officer, Internal Auditor, Loan Management Officer, and Risk Officer. The study used a semi-structured closed-ended questionnaire as source of data. The study used the Partial Least Squares Structural Equation Modelling (PLS-SEM) in data analysis. Based on the findings, the study strongly supported the guiding hypotheses that stringent loan diversification, effective loan loss provisioning and minimized non-performing loans positively contribute to enhanced bank stability. The study recommended that banking institutions in Tanzania and similar developing economies should strengthen their loan management practices, particularly by enhancing loan diversification and implementing stringent loan loss provisioning measures. Regulatory bodies should continue to enforce and monitor these practices to ensure that banks effectively manage risks and maintain financial stability. Finally, policymakers and regulatory agencies should provide clear guidelines on loan diversification and ensure the adoption of robust credit evaluation mechanisms to minimize defaults.

Effect of On-the-Job Training on the Performance of Law Enforcement Officers: A Case of Dodoma Field Force Unit, Tanzania

2025-04-03T19:30:44+00:00

Globally, on-the-job training is widely recognized as crucial for enhancing job performance. This study examined the impact of on-the-job training methods on job performance in the Dodoma Field Force Unit (FFU), with a specific focus on drill and induction methods. The study employed the concurrent triangulation design to cross-validate the results obtained from both qualitative and quantitative data. The study selected 192 police officers through random and purposive sampling methods and analyzed the data using the SPSS Version 25 for quantitative analysis alongside the content analysis for qualitative data. Findings from the regression analysis revealed that the drill and induction methods significantly affect job performance (R² = 0.521, F = 68.073, p < 0.001). The drill method enhanced problem-solving abilities and adaptability while the induction method facilitated smoother integration and the development of role-specific competencies. Qualitative findings showed that encouraging skill development and career progression necessitates effective training that combines both theoretical and practical approaches. The study recommends that the police department in Dodoma City should prioritize implementing training initiatives that incorporate both hands-on exercises and theoretical instruction.

East African Journal of Management and Business Studies

Influence of Banks Loan Management Practices on Bank Stability in Tanzania

Effect of On-the-Job Training on the Performance of Law Enforcement Officers: A Case of Dodoma Field Force Unit, Tanzania