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Mobile Money Services and the Income-Earning of Women Second-hand Cloth Entrepreneurs in Dodoma City

Author

Listed:
  • Josephine P. Churk

    (College of Business Education, Dodoma, Tanzania.)

  • Madina H. Juma

    (College of Business Education, Dodoma, Tanzania.)

  • Grace J. Mpuya

    (College of Business Education, Dodoma, Tanzania.)

Abstract

The diffusion of mobile money technology has changed the financial landscape across countries in Sub–Saharan Africa, including Tanzania. Women entrepreneurs can use mobile money services to improve business performance by increasing income earning. The study adopted a capability approach to investigate the effect of mobile money services on the income-earning of women’s second-hand cloth entrepreneurs in Dodoma City. Triangulation mixed method was used to collect both qualitative and quantitative data from Sabasaba and Machinga complexes as big market centers. The research surveyed a total of 50 women second-hand cloth entrepreneurs and interviewed 15 key informants. The quantitative data were analyzed by using both descriptive and inferential statistics with the aid of SPSS while qualitative data used content analysis. The result revealed a significant relationship between mobile money saving and the income-earning of women second-hand cloth entrepreneurs. The findings further show that entrepreneurs use informal help groups for borrowing and bank services transactions as coping strategies for solving the challenges of using mobile money services for income earning. The study recommends the collaboration between regulators, entrepreneurs, and private stakeholders to solve challenges that hinder business efforts of increasing income by using mobile money services.

Suggested Citation

  • Josephine P. Churk & Madina H. Juma & Grace J. Mpuya, 2023. "Mobile Money Services and the Income-Earning of Women Second-hand Cloth Entrepreneurs in Dodoma City," International Review of Management and Marketing, Econjournals, vol. 13(5), pages 41-49, September.
    • Handle: RePEc:eco:journ3:2023-05-6
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    References listed on IDEAS

    as
    1. Karen Tranberg Hansen & Jennifer Le Zotte, 2019. "Changing Secondhand Economies," Business History, Taylor & Francis Journals, vol. 61(1), pages 1-16, January.
    2. Janine Aron, 2018. "Mobile Money and the Economy: A Review of the Evidence," The World Bank Research Observer, World Bank, vol. 33(2), pages 135-188.
    3. Dorothea Kleine, 2010. "ICT4WHAT?-Using the choice framework to operationalise the capability approach to development," Journal of International Development, John Wiley & Sons, Ltd., vol. 22(5), pages 674-692.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Mobile Money Services; Women Entrepreneurs; Second-Hand Clothes Business; Mobile Money Transactions;
    All these keywords.

    JEL classification:

    • O1 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development
    • O10 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - General
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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