Journal Articles

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Browsing Journal Articles by Subject "Adoption"

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    Risk perception and adoption of joint versus individual liability: The case of selected tribes in Tanzania
    (2015) Kasoga, Pendo N. S.
    Perceive risk is an important factor that influences the adoption intention. Perceived risk associated with the use o microfinance institutions lending model may adversely affect borrowers. Researchers had applied the concept of perceived risk with Technology Acceptance Model (TAM) to measure the use of information technology, but overlooked the use of TAM on microfinance institutions lending models. This study integrates TAM with the adoption of joint vs. individual liability. To address these challenges, a study was conducted from four ethnic groups namely, Gogo, Zaramo, Chagga and Kinga borrowed from PRIDE (T) and FINCA (T). Questionnaires were used to collect information. The Structural Equation Modeling was used to perform the analysis. The findings have shown that the high perceived risk associated with borrowing incurring joint liability, especially the risk of non-payers causes the joint liability borrowers to devalue perceived usefulness and the ease of use of the joint liability lending model. The results provides evidence on the appropriateness of measuring the adoption of microfinance institutions lending model using TAM. It is recommended that more emphasis should be put on the strategies that improve the microfinance institutions lending models so as to ease the perceived risks especially the risk associated with partners’ failure to repay the loans. These might encourage households to come forward and use credit, hence achieve the goal toward poverty reduction
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    Simulated willingness of farmers to adopt fertilizer micro-dosing and rainwater harvesting technologies in semi-arid and sub-humid farming systems in Tanzania
    (Springer, 2017) Mwinuka, Lutengano; Mutabazi, Khamaldin Daud; Graef, Frieder; Sieber, Stefan; Makindara, Jeremia; Kimaro, Anthony; Uckert, Götz
    Productivity of African agriculture falls below the global average due mainly to limited use of productivity-enhancing technologies. In Tanzania, smallholders farm without fertilizer on fragile soils in rain-fed areas. Inadequate soil nutrients, nutrient mining, and soil-moisture stress are the main factors limiting crop productivity. Fertilizer micro-dosing (MD) and rainwater harvesting (RWH) through tied ridges appear to be appropriate technologies to help replenish soil nutrients and improve soil moisture for increased crop production. It nonetheless remains unclear whether these technologies can be adopted by smallholder farmers in Tanzania. There have been limited efforts to predict adoption and diffusion of new technologies in Tanzanian agriculture. This paper assesses the willingness of farmers to adopt fertilizer MD with and without tied ridges. Data were obtained from a household baseline study, participatory ex-ante impact assessments, and simulation exercises. Our cross-section analysis used integrated ex-ante assessment tools to understand sustainability and to prioritize and sequence technology adoption and diffusion. Simulation predicted the ex-ante impact of selected technologies, the adoption rate peaks, the likelihood for reaching peaks, and the possible time required to reach peak adoption. Our findings suggest the best paths that technology users should take, while considering factors which affect adoption during research planning, implementation, and testing of the farm level technologies.