Individual Savings Problems - An Analysis of Commercial Banks in Tanzania: Evidence from CRDB Bank Marangu Branch

This study examines the reasons as to why people do not save. A survey design was employed on 130 respondents of CRDB Bank Marangu Branch. Purposive and random sampling techniques, questionnaire and Interview method were used for data collection. Again, data were analysed descriptively. Results of the study found that, CRDB bank has not yet been effective in the creation of financial capability and training programmes that would teach people best practices, such as basic budgeting, and separating money saved for different goals and uses. Individuals were found to have negative attitude toward saving with Bank due to opening and operating cost of the account. The efforts and resources placed by CRDB Bank in promoting savings are high compared to the saving rate as most of the opened accounts become dormant in one year after been opened and most of products available with the branch are not known well by majority, in hand with that, most of People residing in Marangu are low income earners and therefore they save much of their earnings informally and at shorter intermittent level. Lastly, interest rates and individual income were seen to impact levels of saving habit. Moreover, the study suggested that, bank staff need to be assisted in realizing their role in mobilizing individual saving, the bank should also create awareness to public on saving plan, a regular snap check of account opened, existing one to ensure their activeness and provide reason for any inactive account, as well as design new products or facility to promote savings, review cost, procedures and interest rates. Again the bank should motivate individual habit of participating in financial education workshops as well as promoting individual saving habit programmes by the bank to Primary, Secondary, College and University students to help them grow with the mentality of saving. The policy makers should try to sensitize the rural people of Marangu to diversify some of their land uses into non agricultural activities such as to conduct various business activities that would guarantee income generation so as to increase saving rate. The bank should design adverts demonstrating the value of having savings for the purpose of changing rural people’s attitude towards saving. Keywords: Saving attitude, Commercial Banks DOI: 10.7176/EJBM/11-11-07 Publication date: April 30th 201

Relationship between body size of adult Anopheles gambiae s.l. and infection with the malaria parasite Plasmodium falciparum

The influence of adult female body size of Anopheles gambiae s.l. on development of midgut and salivary gland infections by the parasite Plasmodium falciparum was investigated in a field study carried out in Tanzania. The proportion of mosquitoes infected during a blood meal was independent of size. However, the number of oocysts harboured by infected mosquitoes increased with size of the mosquito. The proportion of mosquitoes with sporozoites, and thus potentially infective to humans, was highest in intermediate-sized mosquitoes, whereas the largest and smallest mosquitoes were less likely to have sporozoites. This pattern is interpreted as a combination of high survival rate of large, uninfected mosquitoes and of low survival rate of mosquitoes infected with many oocyst

Anthropogenical Drivers on Land Use/Cover Change and their Implications to Rural Livelihood in Kilombero Wetlands, Tanzania

Anthropogenic activities and their influences are well-known around the globe; their intensity and severity are higher in ecosystems rich in biodiversity and natural resources such as tropical forests and wetlands. This paper examined the influence of anthropogenic drivers on land use/cover change and their implications to rural livelihoods and wetland resources in Kilombero wetlands. Different methods including household questionnaire survey, key informants interview, focus group discussion, wealth ranking and participatory field observation were used in data collection. Remote sensing techniques were used to analyze satellite images – namely, Land sat MSS of 1975 and Land sat TM of 2010 scenes to trace spatial and temporal land use/cover changes. The study observed spatial and temporal changes in land use/cover mainly agricultural land use expansion and intensification, expansion of human settlementsand decreased forests and woodlands cover. Further, the study established that, the anthropogenic drivers to these changes were high population growth, removal of subsidies on agricultural input and the growing market demands for different agricultural and forest products, coupled with improved road and railway infrastructures. Moreover, other factors include rainfall variability and increased temperatures have also fuelled land use/cover changes. As a result of such changes, households have opted for diverse livelihood strategies to adapt the impacts of land use/cover changes depending on their ownership of livelihood assets, which varied from one socio economic group to another. In this context, the well-off group were found to have more livelihood assets that influence them to cope with situation as compared to medium and low wealth groups which possess relatively less assets. The study recommended to the government to facilitate participatory land use planning at village level, agro-forestry, provision of extensions services, and modern family planning services to check overpopulation for sustainable land use and improvement of rural livelihoods in and beyond the study area.Keywords: Land use/cover changes, population growth, rural livelihoods, Land Use Pla

First report of Metarhizium anisopliae IP 46 pathogenicity in adult Anopheles gambiae s.s. and An. arabiensis (Diptera; Culicidae).

The entomopathogenic fungus Metarhizium anisopliae isolate IP 46, originating from a soil sample collected in 2001 in the Cerrado of Central Brazil, was tested for its ability to reduce the survival of adult male and female Anopheles gambiae s.s. and An. arabiensis mosquitoes. A 6-h exposure to the fungus coated on test paper at a concentration of 3.3 x 106 conidia cm-2 reduced the daily survival of both mosquito species (HR = 3.14, p < 0.001), with higher risk of dying in An. gambiae s.s relative to An. arabiensis (HR = 1.38, p < 0.001). Fungal sporulation was observed in >95% of mosquito cadavers in the treatment groups. The results indicate that M. anisopliae IP 46 has the potential to be a bio-control agent for African malaria vector species, and is a suitable candidate for further research and development

Characterisation and Antimicrobial Potential of Actinobacteria Isolated from Momela Soda Lakes, Tanzania

Extreme environments such as soda lakes are potential sources of microbes with biotechnological applications in different sectors. This study aimed at isolation, characterization and investigation of antibacterial potential of actinobacteria from Momela Soda Lakes, at Arusha National Park in Tanzania. One hundred and twenty (120) isolates were recovered from soil and water samples using the dilution plate technique. The isolates were morphologically and biochemically characterized, and further, screened for antimicrobial activity by disc diffusion method as well as the micro dilution technique. Cytotoxic effects were determined using the brine shrimp lethality test. Results showed that, all 120 isolates were Gram-positive rod-coccus shaped. Forty-four out of them showed antibacterial activity against Staphylococcus aureus and Escherichia coli. The Streptomyces (101TI) and Dietzia (56BI) strains exhibited exceptionally higher antibacterial activity compared to the rest with inhibition zones of 16.25 and 21.00 mm, respectively. These two strains were toxic against brine shrimp-larvae. Microbacterium (5LI), Hoyosella (113BI), Streptomyces (62BI), Dietzia (117SI), Hoyosella (37SI) and Microbacterium (3BI) strains had low antibacterial and cytotoxic activities. This study therefore revealed that Momela Soda Lakes harbour actinobacteria with antimicrobial potential. Keywords: Actinobacteria; antimicrobial activity; extremophiles; Momela soda lake

Assessment of Post-harvest Handling Practices: Knowledge and Losses of Fruits in Bagamoyo District of Tanzania

The harvesting practices, knowledge and post-harvest losses of fruits along the supply chain in Bagamoyo District were investigated. 142 farmers, 50 retailers and 10 wholesalers dealing with fruits were involved in the study. Data were collected using structured questionnaires. The results indicate that, 90.14%  of the respondents harvested fruits when they are just ripe and the great market losses were reported to occur due to rotting (microbial) at 63%, physiological at 20% and 17% by insects and rodents. Along the supply chain, mechanical damage was observed to be the major type of loss during harvesting (79%) and transportation (56%) while microbial damage was observed by majority (67%) during marketing. Poor infrastructure from farm to the market was observed to account for large percentage of losses in the market. The findings also shows that all farmers (100%) interviewed have no knowledge on post-harvest losses and management. In the view of the findings, it can be concluded that, post-harvest handling practices and knowledge of stakeholders involved in fruit sub sector in the country are not good enough to prevent the losses. It is therefore imperative to improve educational knowledge, skills and fruits quality from the field to reduce post-harvest losses. Keywords: Post-harvest practices, knowledge, losses, fruit

Co-variations of Cholera with Climatic and Environmental Parameters in Coastal Regions of Tanzania

The bacterium causing cholera, Vibrio cholerae, is essentially a marine organism and its ecological dynamics have been linked to oceanographic conditions and climate. We used autoregressive models with external inputs to identify potential relationships between number of cholera cases in the coastal regions of mainland Tanzania with climatic and environmental indices (maximum air temperature, sea surface temperature, wind speed and chlorophyll a). Results show that between 2004 and 2010 coastal regions of mainland Tanzania with approximately 21% of the total population accounted for approximately 50% of the cases and 40% of the total mortality. Significant co-variations were found between seasonally adjusted cases and coastal ocean chlorophyll a and to some degree sea surface temperature, both lagged by one to four months. Cholera cases in Dar es Salaam were also weakly related to the Indian Ocean Dipole Mode Index lagged by 5 months, suggesting that it may be possible to predict Cholera outbreaks for Dar es Salaam 5 months ahead of time. The results also suggest that the severity of cholera in coastal regions is set by conditions in the ocean and that longer-term environmental and climate parameters may be used to predict cholera outbreaks along the coastal regions

A descriptive qualitative case study of the experiences, perceptions, and attitudes of pregnant women on Unguja island, Zanzibar, towards antischistosomal treatment

Many countries exclude pregnant and lactating women from mass drug administration (MDA) programmes with praziquantel against schistosomiasis due to historic safety concerns over drug use during gestation and breast feeding. More than 10 years of empirical evidence from the field and a growing body of dedicated research has prompted the World Health Organisation and schistosomiasis control initiatives to advocate the inclusion of this vulnerable group into MDA. This qualitative descriptive case study explored, over a five-week period, the subjective experiences, perceptions, opinions, and attitudes of pregnant women attending government supported clinics on Unguja island, United Republic of Tanzania, towards praziquantel use during pregnancy in MDA programmes. The aim of the study was to identify and determine how to overcome potential barriers to effective use of MDA medications during pregnancy. Additionally, it was to determine trusted communication channels for future messaging and discover behavioural and community opportunities to increase participation of pregnant women in future MDA efforts. A 60-minute, semi-structured qualitative interview was undertaken with 25 pregnant women recruited from 4 health centres on Unguja along with testing for Schistosoma haematobium infection. Using a modified-grounded theory approach, narrative data were transcribed, coded and analysed using a thematic analysis of the emergent themes. Women reported they rely on traditional home remedies to stay healthy during pregnancy. Influenced by their mothers, husbands and neighbours, women predominately made medication choices during pregnancy and breastfeeding based on what they heard at home. Most women had been excluded from government MDA programmes in the past due to pregnancy. Women valued healthcare services for antenatal education and pregnancy advice. Women reported they would trust and follow direction from healthcare providers about taking praziquantel during pregnancy. Antenatal clinics offer an excellent opportunity to educate and expand praziquantel treatment to this cohort. Efforts should be augmented with training for providers and behavioural education for the community as a whole and family members of pregnant women

The fitness of African malaria vectors in the presence and limitation of host behaviour

&lt;p&gt;Background Host responses are important sources of selection upon the host species range of ectoparasites and phytophagous insects. However little is known about the role of host responses in defining the host species range of malaria vectors. This study aimed to estimate the relative importance of host behaviour to the feeding success and fitness of African malaria vectors, and assess its ability to predict their known host species preferences in nature.&lt;/p&gt; &lt;p&gt;Methods Paired evaluations of the feeding success and fitness of African vectors Anopheles arabiensis and Anopheles gambiae s.s in the presence and limitation of host behaviour were conducted in a semi-field system (SFS) at Ifakara Health Institute, Tanzania. In one set of trials, mosquitoes were released within the SFS and allowed to forage overnight on a host that was free to exhibit natural behaviour in response to insect biting. In the other, mosquitoes were allowed to feed directly on from the skin surface of immobile hosts. The feeding success and subsequent fitness of vectors under these conditions were investigated on 6 host types (humans, calves, chickens, cows, dogs and goats) to assess whether physical movements of preferred host species (cattle for An. arabiensis, humans for An. gambiae s.s.) were less effective at preventing mosquito bites than those of common alternatives.&lt;/p&gt; &lt;p&gt;Results Anopheles arabiensis generally had greater feeding success when applied directly to host skin than when foraging on unrestricted hosts (in five of six host species). However, An. gambiae s.s obtained blood meals from free and restrained hosts with similar success from most host types (four out of six). Overall, the blood meal size, oviposition rate, fecundity and post-feeding survival of mosquito vectors were significantly higher after feeding on hosts free to exhibit behaviour, than those who were immobilized during feeding trials.&lt;/p&gt; &lt;p&gt;Conclusions Allowing hosts to move freely during exposure to mosquitoes was associated with moderate reductions in mosquito feeding success, but no detrimental impact to the subsequent fitness of mosquitoes that were able to feed upon them. This suggests that physical defensive behaviours exhibited by common host species including humans do not impose substantial fitness costs on African malaria vectors.&lt;/p&gt