IMPACT OF LGAS MICRO-CREDIT GROUP LENDING APPROACH ON FISH VENDORS’ LIVELIHOOD IMPROVEMENT IN TANZANIA, THE MODERATING EFFECT OF ENTREPRENEURIAL TRAINING

This study explores the effects of the Local Government Authorities' (LGA) micro-credit group lending approach on the livelihood status of fish vendors in Tanzania, considering the moderating role of entrepreneurial training. Utilizing a positivist research philosophy and an explanatory research design, the research adopted proportionate and random sampling methods to select a sample of 354 fish vendors from three local government areas: Kigamboni Municipal Council (KGMC) in Dar es Salaam, Ilemela Municipal Council (IMC), and Mwanza City Council (MCC). The analysis was conducted using Partial Least Squares-Structural Equation Modelling (PLSSEM), which revealed that the group lending approach positively and significantly impacts the livelihood status of fish vendors. Furthermore, the moderating effects indicated that entrepreneurial training significantly enhances the relationship between the group lending approach and the livelihood status. Consequently, the study advocates for policymakers and relevant government authorities, particularly LGAs, along with fish vendors, to prioritize the group lending approach and entrepreneurial training strategies. This would facilitate effective utilization of micro-credits for income-generating activities, ultimately leading to improved livelihoods for the beneficiaries.