CIVICS FORM THREE
PROMOTION OF LIFE SKILLS
Life
skills are the means through which a person can live well in a society. They
are the ways an individual can properly manage his/her life and that of other
people. Promotion of life skills is of great importance in modern societies
because of the prevailing socio-economic, political and cultural changes that
havebeen accelerated by scientific and technological advancements. The
undergoing changes require good leadership, teamwork, positive relationships,
self-worth and self-confidence from members of societies or communities so as
to survive in this competitive world.
Good Leadership, Team Work, Positive Relationship, Self-Worth
and Confidence
Importance of Good Leadership, Teamwork, Positive Relationship,
Self-Worth and Confidence Qualities
Explain
the importance of good leadership, teamwork, positive relationship, self-worth
and confidence qualities
A
leader is a person who guides or directs others in a group, an institution, a
company, a village or a country. Good leadership refers to proper leadership
which adheres to the important characteristics of a good leader.
Characteristics
of a good leader
The following are the Characteristics of a good Leader:-
·
A good leader should be a task-oriented or people-oriented
leader. The task oriented leader will place emphasis on training and
performance with the ultimate aim of achieving and winning. He/she should be
able to identify the community goals or specific targets. The leader then
should be able to impart these goals to his people and commit them to work hard
and intelligently to achieve the desired community goals.
·
A good leader should not simply issue orders for people to
follow, but he/she should be able to instill good characteristics to them which
will make it possible to achieve the stated goals.
·
A good leader should have confidence, determination and
perseverance. There will be many complex issues that must be addressed by the
leader; therefore the leader should be bold enough to encounter such
situations.
·
A good leader should be able to create an ideal situation that
will encourage his/her people to perform. The leader should be ready available
for his/her people and they should be free to approach him/her for
consultations.
·
A good leader should be able to identify good opportunities that
can be utilised to achieve the stated community goals. The leader has to be
optimistic that opportunities can be exploited to yield the intended goals.
Good leaders should have a vision which they work towards. Good leaders know
where they are heading and lead their people towards the same vision. Good
leaders are not passive people. They are usually extremely passionate in
whatever they are doing.
·
Good leaders should be wise if they are to be successful. Being
a leader often means that crucial decisions will have to be made at one point.
Having wisdom to make a right decision is most important in ensuring success.
Good leaders have compassion for their followers. While they understand they
have a goal to pursue, they constantly look back and care for the people that
are following them. They are not selfish people who only think about their own
needs and luxuries; they also must care for the people who are working for
them. In Africa, for instance, we have Mzee Nelson Mandela, the former
president of the republican of South Africa and leader of ANC. Mzee Mandela is
the one of the few African leaders who possesses such kind of leadership
characteristics.
·
Good leaders should be charismatic, attractive to the people
through their good personalities. This can be through the way they speak. They
are extremely well-versed in public speaking and they can influence and inspire
people with the things that they say. A good example of such kind of a leader
is the late Mwalimu Julius K. Nyerere. The former president of Tanzania.
·
Good leaders must be persistent in the attempt of meeting their
goals. They realise that the goal to success is not simple; despite that, they
see that the benefit of reaching the goal are greater than that of the setback
that they will experience.
·
Good leaders should have integrity. They mean what they say, and
they say what they mean. They are people who keep their promises and they do
not play the two-faced political game that a lot of others do.
·
Good leaders must be ready to pursue their dreams until they
become true. The fears are real, but the courageous leader pursues them despite
the fears. Good leaders are extremely disciplined in their pursuit of their
goals. While most people would be easily discouraged, good leaders make sure
they achieve their goals.
In our
community where good leadership is practiced, a leader adopts a participatory
approach in decision-making. A good leader will always consult his/her people
before any important decision is made. For instance, in an institution like a
school, a good leader should recognize that his/her employees are more than
just employees; they are also the people to be involved in making decision.
Leadership styles
Leadership styles have been classified on the basis of how
leaders use their authority. There are four leadership styles, namely
dictatorial, autocratic, democratic and laissez-fair leadership.
·
Dictatorial leadership. This
is the type of leadership governed by a dictator that is dominated by fear,
threats, disgrace, and frequent dismissal of the workers.
·
Autocratic leadership. This
type of leadership is characterised by central authority. All the powers are
controlled by one individual; a leader can give or withhold rewards or
punishments.
·
Democratic or
participative leadership. This
type of leadership involves the leader consulting the subordinates on the
proposed actions and decisions and encourages their participations.
·
Laissez-fair leadership. This
is the type of leadership where the leader is really not in control. The leader
is only consulted if information is required, and he/she can make only a small
contribution. This type of leadership gives chance for the subordinates to
decide on their own.
Importance
of good leadership
The following are some of the importance of good leadership in a
community
·
Earns trust from the people by involving them in
decision-making. Hence they can work together with their leaders to achieve
their goals.
·
Increases efficiency and effectiveness in a community, as people
are satisfied with their leaders work or performance.
·
Enhances public relations in a community. The positive image of
a leader enhances public relations that will lead to the achievement of
community goals.
·
Enhances people’s confidence, especially when leaders are
transparency and accountable to their decisions.
·
Reduces conflicts in a community. With good leadership neither
the people nor the leaders shall be involved in conflicts. The community do
have proper channels to forward their problems through democratic ways based on
decision making-making procedures.
Activity 1
What kind of leadership is practised in Tanzania? Support your
answers with vivid examples.
Good Leadership, Teamwork, Positive Relationship, Self-Worth,
Confidence Qualities
Demonstrate
good leadership, teamwork, positive relationship, self-worth, confidence
qualities
Leadership
can be defined as interpersonal influence exercised in a situation and directed
through the communication process towards the attainment of specified goal.
Leadership does not mean power, prestige, wealth or great education butrefers
toinitiative and willingness to serve mankind and showing a real concern to
others.
Teamwork
A team
comprises any group of people with a common purpose. A group in itself does not
necessary constitute a team. However there are many components that up a team
like managers and agents. Teamwork is a joint action done by a group of people
(team) with a common goal. The notion of teamwork does not mean that the
individual is no longer important, itmeans that effective and efficient
teamwork goes beyond individual accomplishment. The most effective teamwork is
produced when all individuals work together to achieve a common goal.
To
effectively achieve the goals of an organisation, all the people should combine
their efforts. If everyone does his/her job well, and then it increases what
the team can accomplish. Teamwork has to be recognised by everyone knowing that
great things happen if individuals work together as one unit. Everyone has a
unique role, but each individual role must be recognised and appreciated.
For
instance, at school both teachers and student are supposed to live and work as
a team. This will help in building student discipline and academic performance.
However, this can only be achieved through participation of students and
teachers in school governance. Teamwork is something that must be a high
priority and must be given constant attention. Every player must understand how
important for them to work together if they want to be successful. Each player
must be dedicated to the whole team and be ready to act unselfishly. When
challenges arise the team need to have the resources, accountability and
commitment to deal with them in a constructive and positive manner.
Aspects of teamwork
A good
and strong leadership is essentially for successful teamwork. While each
teamwork member will be encouraged to share thought and opinions as well as
skills, the leader will be responsible for the final decisions and
implementations that are made. A leader should be strong and confident as well
as competent in his/particular area of expertise
Goal-setting
is an essential part of teamwork. A team should set its goal for easy
accomplishment of a task. A team cannot work well and achieve its goal if it
does not have well-defined goals to be achieved. It is also very important for team
members to understand their roles and responsibilities. The team leader can
make it possible by defining the purpose in a clear-cut manner in the beginning
of the formation of the team.
Communication
is another important part of teamwork. The team members must communicate all
aspects of a project and be willingly to listen to each other. The lines of
communication should be open at all times and to all team members. Teamwork can
be very successfully if everyone is willingly to accept one another and work
together for the good of the group.
The
team must have a unified commitment. This does not mean team members must agree
on everything. It means that all individuals must be directing their efforts
towards the foal. If an individual's efforts are going towards his/her personal
goals, then the team will confront this and resolves the problem.
The
team must have a result-driven structure. The team should be allowed to operate
in a manner that produces results. It is often best to allow the team to
develop the structure.
The
team must have high standards that are understood by all. Team members must
know what is expected of them individually and collectively. Vague statements
such as “positive attitude” and “demonstrated efforts” are not good enough.
The
team must have competent members. In the education settings this can be taken
to mean that the problem given to the team should be one that the members can
tackle given their level of knowledge and skills.
The
team must have a collaborative climate. It is a climate of trust produced by
honest, open, consistence and respectful behaviour. With this climate team
perform well and without it they will fail.
Conflict
resolution. Conflict will rise no matter how teams functions together. The best
way to counter conflict is to have structured method of conflict resolution.
Team members should be able to voice their concerns without fear of offending
others. Instead of avoiding conflict, its better to resolve them quickly. Its
often advised that the team leader should sit with conflicting parties and help
to work out their differences without taking sides and try to remain objective
if possible.
COMPOUNDS
OF TEAM BUILDING
The
most important compound for team building is the selection of participants to
be in agroup or team. The team leader usually looks specific things from the
members in order to ensure success in the group or team projects. It’s very
important to have members that have confident and are able to build trust among
other participants. Most importantly, the participants must have a positive
attitude at all times.
Training
on how to work together is also a very important compound of teamwork. A team
must know how to work together in order to be productive and successful. If a
team can work together, It will be able to resolve issues that are standing on
the way to accomplish a goal. Working together may not come easily at first,
but with proper training and mutual communication the team will be able to
adapt quickly.
Balanced
skills set. When creating teamwork, it’s important to have balanced skills
sets. One way to achieve this is by having experts in different fields. If some
members provide some of their theoretical skills, for example, individuals that
are knowledgeable about the course materials are confused about technology part
of it. On the other hand the individual may fill that the technical side of the
problem is more important than the theoretical side of it. By combining both
sides, the team can come up with the solutions that benefit everyone.
Allocation
of roles within the team is one of the elements needed for team building.
Assigning roles to team members help them to know the team’s place. Each member
should be assigned a role that is clearly defined. This will facilitate easily
decision making and will ensure the completion of the task assigned within the
required time
Harmonizing
personalities. The personality of some one play a bigger role on how the team
performs. The leader must understand the kind of people and personality they
need to have in order to gain success from the team group. For instance someone
who shows supportiveness is dedicated to the team’s success. The person who
takes more responsibility, is very easy to work with and listen attentively to
the ideas of other people.
Importance of teamwork
Large, ambitious plans usually require people to work together.
Thus, team work has become an important concept for work organisations.
Effective teams are necessary if the industry is going to realise good and
sustainable results.
·
Teamwork can make more effective and efficient use of labour and
prove productivity by maximizing the different strength and skills of team
members, encouraging team members to undertake a wide range of tasks and making
team members accountable to customers.
·
Teamwork improves quality and encourages innovation of product
or services. Innovation has been the outcome of many team works initiatives.
Involvement of team members/workers in productive activity through team work
contributes a lot to the improvement of the quality of products and various
innovations.
·
In an institutions like a school, students learn to work
together in many ways. They learn to rely on each other and take advantage of
every opportunity they have. Most often high-performing students in exams
experience the benefit of teamwork at school. They consistently perform better
than others, especially by attending group discussions.
Positive relationships
Positive
relationships can be defined as the state of having meaningful, loving,
supportive and cooperative relationships between two or more people. It’s not
difficult to establish meaningful, loving, loving, supportive and cooperative
relationships.
Principles for developing positive relationships
In order to develop positive relationship, someone needs to
understand the following principles of human behaviour;
·
Time and patience. Building positive relationship is like
building a house; it take a lot of time and patient to accomplish likewise to
understand human life it take time and it need patient to cope with them.
·
Applying the principle of brotherhood and allowing others to
become more responsible.
·
Allowing people to make choices
·
Every human behaviour has a social purpose. It should be notes
that some people misbehave they are searching for self-attention and some look
for revenge
·
Changing your negative behaviour can most effectively influence
the negative behaviour of others.
·
Someone’s positive relationship are influenced by his/her
positive actions, thus people must appreciate others peoples positive’s
positive behaviour.
·
Avoiding retaliation if offended; instead express good will. You
will improve the quality of relationship. Retaliation stimulates further
violence.
·
Avoid finding faults in others; focus on their strength and not
their weaknesses
·
Show strong confidence in your team members; this will develop
their confidence.
·
If the members lack strong confidence, focus on their past
legitimate successes.
·
If it is difficult to speak to a busy person, communicate with
him/her through your loving actions
·
Withdraw from conditions that can easily lead to power struggle.
Importance of positive relationships
·
Positive relationships are important in maintaining a sense of
good among ourselves. A destructive relationship is not always good because it
leads to various problems such as abuse. It’s obvious that people needs
positive relationships, because they need to be supported, comforted and have
fun.
·
Positive relationships are important and are a source of success
in every area of life as they enhance love, family happiness, business success
and spiritual fulfilment.They also promote good principle that ensures success
to everyone, partners, family, friends and work colleagues. This means that
there is a need to identify key principles and techniques that attract positive
relationships because they heal any relationship issues.
·
Positive relationships enlighten the people on how to make a
right decision in relationships, communicating better, enjoying greater
intimacy and confidence.
Self-worth
Self-worth
refers to a feeling of confidence in yourself that you are a good and useful
person. Its a favourable estimate or opinions of oneself. Worth refers tohow
much we value something, how important it is for us and how much priority we
give it compared to other things.
Self-worth
is a measure of our unconditional self-love. High self-worth means loving
ourselves unconditionally in all areas of our lives. To have a higher degree of
self-worth, we must love ourselves even when we make mistakes.
Self-worth
is frequently based on our feelings of worth in terms of our skills,
achievements, statutes, financial resources or physical attributes. This kind
of self-worth often cultivates an independence and arrogant attitude. When we
find ourselves not measuring up to societies’ criteria for worth, we suffer
serious consequences.
Our
self-worth depreciates dramatically. The illusion of being successful and
admired gives way to disillusionment as our possessions and achievements that
once nourished our souls fail to satisfy our appetite. To satisfy every
individual experience, hunger, thirst, fatigue and so forth, we are
conditionedtoget food, drinks or rest. By getting these things we will achieve
an acceptable self-worth. Nothing depreciates self-worth faster than regret,
anger or fear.
Aspects of self-worth
Taking
good care of yourself shows you really do love yourself unconditionally. This
is a sign of self-worth. If you love yourself wholeheartedly, you will
prioritize your time and resources to reflect the relative importance of each
part of yourself. You will have to create some balance in your time and life so
that you can take good care of your body and main interest and needs. Spend
time and money on activities wisely.
Importance of self-worth
Self-worth
is a vital belief for empowering oneself. A valid sense of self-worth is
necessarily in order to attain love, peace, joy, power and a sound mind. A
Valid sense of self-worth eliminates the possibility of committing suicide.
Without self-worth, doubts and fears about our very existence will persist and
will destroy dreams and vision and undermine our greatest accomplishments.
Self- confidence
Self-confidence
is a belief in one’s own abilities to do things and be successful. People with
high self-confidence typically have little fear of the unknown. They are able
to stand up for what they believe in, and have the courage to risk
embarrassment, such as delivering a presentation to a large group of people.
Aspects of building self-confidence
Although many of the factors affecting self-confidence are
beyond your control, there are a number of things you can do to build
self-confidence. These are
·
Dressing style. Clothes affect the way someone feels about
him/herself. It changes the way you feel about yourself and interact with other
people. I f you dress well, you will fill confident in all places howeverif you
dressimproperly you will feel shy and lose confidence.
·
Good posture. By practising good posture you will automatically
feel more confidence. Stand up straight, keep your head up and make eyes
contact. You will make a positive impression on others and instantly and feel
more alert and empowered.
·
Walking fast or quickly also builds one’s self-confidence. One
of the easiest way to tell how a person feels about him/herself is to examine
his/her work. Is it slow, tired, painful or energetic and purposeful? It is
believed that people with confidence walk fast or quickly. They have places to
go, people to see and important work to do.
·
Listening to motivational speeches. Another way of building
self-confidence is listening to motivational speeches. You can feel this need
by creating personal commercials. Write a short speech that highlights your
strengths and goals. Then recite it in front of a mirror aloud whenever you
need a confidence boost.
·
Compliment other people around you and refuse to engage in
criticizing them. When we think negatively about ourselves, we often project
that feeling on to others in the form of insults and gossip. To break this
cycle of negativity, get in the habit of praising other people. In the process,
you will become more liked and build more self-confidence. By seeingthe best in
others, you indirectly bring out the best in yourself.
·
Make efforts to speak up in a group discussions. During group
discussions, many people never speak up because they afraid that people will
judge them for saying something wrong. By making efforts to speak up at list
once in every group discussion, you will become a better public speaker, more
confident in your own thoughts, and recognised as a leader by your peers.
·
Sitting in the front row helps in building self-confidence. In
schools, offices and public assemblies around the world, people constantly
strive to sit at the back rows. Most people prefer sitting at the back because
they are afraid of being noticed. This reflects a lack of self-confidence.
·
Physical fitness has a huge effect on self-confidence. If you
are out of shape, you will feel insecure, unattractive and less energetic. By
working out, you improve your self appearance, energies yourself and accomplish
something positive. Having the discipline to work out not only makes you feel
better; it creates positive momentum that you can carry throughoutthe rest of
the day.
Importance of Self-confidence
·
Self-confident is essential to success in many aspects of the
individual’s life. It is the key factor in business success. This is because a
confident person knows how to balance risk. He/she can borrow money from banks
to run the business and pay back the dept.
·
Self- confidence involves doing what you believe to be right
decision, even if others criticise you for it, being willingly to take risks
and go to the extra mile to achieve better things, admitting your mistakes and
vowing to learn from them.
·
Self-confidence also allows an individual to increase his/her
level of control in situations that are important. As your self-confident grows
your excitement and energy will help you to be in a control. People may have
confident in other people or forces beyond their control. For instance, one
might have confident that he/she will pass well the final exams.Self-confident
enable an individual to gain confidence from both happiness and sadness.
·
Self-confident is generated not only in achievement, ability and
success but also from adversity and failure. It is difficult to understand
happiness unless you have experiences sadness. You cannot appreciate light
unless you have been in the dark.
·
Self-confident also promotes individual’s personality in terms
of dressing and communication skills. Good and attractive dressing and
communication skills affect the way someone feels about him/herself. It changes
the way you feel about yourself and interact with other people.
Exercise 1
A. Answer the following questions by writing “T” for correct
statement and “F” for incorrect statement.
·
People with high confident typically have a lot of fear of the
unknown, but stand up for what they belief in.
·
Self-worth is a valid sense of attaining joy, power or peace.
·
Oversleeping is one of the aspects of building self-confidence
·
People who always prefer to sit at the back have an aspect of
self-confidence
·
Doing what you believe to be right even when others criticise
you shows you are less confident.
·
Self-confident can be supported on how ones wears.
·
People with self-confident walk slowly
·
Positive relationships enlighten us in choosing and strengthen
our relationships with our spouse, children and companies.
·
Team work is only found in places where there are educated
people
·
Good leader always seek for leadership
Exercise 2
B. Answer the following questions.
Write short notes on the following terms;Good leadershipTeamwork
·
Explain the importance of good leadership
·
Mention and explain the leadership styles“Teamwork is important
for any organisation to achieve its goals” Discuss.
·
With concrete examples, examine the quality of good leadership in
Tanzania.
·
Explain the importance of self-confidence
C. Answer the
following questions by filling in the blanks with the correct answer.
·
------------ is the state of having meaningful love, supportive
and cooperative relationships between two or more people.
·
------------- means faith in one’s own abilities.
·
A total measure on how one value himself/herself and gives
priority to his/her own needs and happiness is --------------
·
------------- is interpersonal influence implementing in a
situation and directed through the communication process so as to achieve
specified goals.
ECONOMIC AND SOCIAL DEVELOPMENT
Concept of Economic Development
Economic development is the
increase in economic growth and the distribution of the goods and services
among the people. It also refers to an increase in production and quality.
Meaning of Development
Explain
the meaning of development
Development
is a process to improve the lives of people in a country. This involves not
only raising living standards, for instance goods and services, but a promotion
of self-esteem, dignity, respect and people’s freedom to choose and to take
control of their own lives.
Types and Levels of Development
Identify
types and levels of development
There
are two levels of development, namely individual and national development. Individual or personal level refers to the increase of material well-being of a person like a
good house, car and clothes. Also greater freedom of expression, worship,
increased human skills and the ability to produce goods and services in a
larger quantity.This aspect also includes the educational level of a person.
National or community level refers to the improvement in social, economic, cultural and
political affairs of a community or country. It involves the provision of
better health services and water accessibility. Political development at the
national level involves aspects of good governance, rule of law and human
rights.
Types
of development
There
are two categories of development, namely economic
developmentand social development. It is
very important to discuss the concept of economic development in modern times
because there is no country that can increase the welfare of her people without
economic development. Within a country, there is a gap in the living standards
of the people. There are people who live a luxurious life while others face
hunger. Similarly, mostcountries in the world today are poor; only one third of
the countries are rich. The poor countries have to raise the standards of
living of their people. These countries must be developed economically.
There
is another concept in development, which is economic
growth. Economic growth is an increase in the productive potential in
an economy. In other words, it is the quantitative increase in goods and
services produced in a country in a specified period of time. Economic growth
increases the Gross Domestic Product (GDP). The GDP is the actual economic
growth.
Meaning of Economic Development
Explain
the meaning of economic development
Economic growth is the
rate of expansion of national income or total volume of production of goods and
services of a country. Many developing countries have somehow achieved
reasonable economic growth but there is less economic development. In Tanzania
for instance, there is a rise in economic growth every year, yet the lives of
majority of the people are not improved. In this situation you will find an
increase in the GDP, but the living conditions of the people continue to
deteriorate.
Indicators of
Economic Development
Indicators of Economic Development
Identify
indicators of economic development
Indicators
of economic development are also known as measurements or criteria for testing
the degree of economic development of a country. The most frequently used
indicators are per capita income of a country, birth rates, population growth,
life expectancy, literacy rates and energy consumption. Others are rural-urban
migration, unemployment and poverty.
Indicators of Economic Development in Relation to Tanzania
Appraise
the indicators of economic development in relation to Tanzania
Activity 1
Find the per capita income of the people if the GNP is Tsh.56
208.4 billion and the total population is 40.7 million.
Per
Capita Income
Per capita income of a country is the average income of the
people of a given country in a particular year. It is calculated by dividing
the total annual income of the country by the population of that country. The
total annual income of a country is also referred to as the Gross National
Product (GNP) or the Gross Domestic Product (GDP). It is always given in
monetary terms.
·
Per capita Income= Gross National Product (Total Annual Income
of the Country)/Total
Population of the country
·
Per capita Income = GNP/Total Population of the country
·
per capita =28 212.6/ 40.7
·
per capita income =Tsh.
693 185
This indicator is considered to be the best single indicator of
economic well-being. The International Bank for Reconstruction and Development
(IBRD), more commonly known as the World Bank, classifies countries into three
groups according to their Gross Domestic Product (GDP) per capita.
Birth
rates
Birth rate is the ratio of total live births to a total live
births to total population in a specified community or area over a specified
period of time. The birth rate is often expressed as the number of live births
per thousand of the population per year. This is the easiest way of
distinguishing developing countries from developed countries. The birth rate in
low-income countries as a group is 30 per thousand, twice that of developed countries
at 14 per thousand.
Population
growth
This is
an increase of population. In developing countries, the population growth is
higher compared to the developed countries. Over the last 50 years, world
population has grown very rapidly compared to any previous time. World
population growth needs to be studied in order to understand its impact on the
process of development.
The
reason of population growth in developing countries is the high birth rate.
Birth rates remain high even though death rates have fallen. This is because a
larger proportion of girls get married at a tender age. They have children, and
they have more years in which to have children.
Many
governments in the world, including Tanzania's, have established policies aimed
at slowing the growth of population. For instance, in Tanzania there is a birth
control programme known as “Nyota ya Kijani”. The aim is to ensure fewer
children per family, so that poverty can be reduced. In this regard, the
government will be able to provide adequate social services to the people.
Life
expectancy
This is
the average number of years newborn babies can be expected to live if health
conditions stay the same. Life expectancy is lower in developing countries
compared to indeveloped countries. In developed countries, the deaths of
children under the age of five accounts for 1.3% of all deaths, while in
developing countries the figure is 10.5%.
The most commonly used indicators of life expectancy are:
·
Person/Populationper
hospital bed. Medical
care is very scarce in poor countries and that is why the death rates arehigh
in these countries. The governments have to improve the quality of available
health care and the number of people per doctor and hospital beds. In Tanzania,
there is a shortage of doctors and hospital beds. There are cases where three
patients share a single bed.
·
Calories deficiency is a
cause of malnutrition. Our bodies do not have sufficient food to provide energy and
to maintain good health.
·
Protein per day. Types
of food and the quantity are important in the maintenance of good health. Lack
of protein will cause malnutrition. Malnutrition affects future productivity of
a population – the ability to work effectively.
·
Population per physician. In
developing countries, physicians attend more patients than in developed
countries. This is because there are fewer physicians in developing countries.
·
The infant mortality rate. This
is the number of live-born babies who do not survive to their first birthday
out of each thousand babies born in total. The reasons for premature death
include poor quality of drinking water and sanitation. Also, inadequate
nutrition for pregnant women and infants. Another reason is poor health care
provision. Many people fall victim to polio, measles, diphtheria, tetanus,
tuberculosis, whooping cough, flu, diarrhea, pneumonia, typhoid, cholera and
malaria.
Literacy
rates
Literacy
is the ability to read and write. Literacy has strong connections with
education, openness to change and labour productivity. Literacy is an objective
of development.
Energy
consumption
The
consumption of energy in a country is highly correlated to the degree of
industrialization. The poorest countries use very little energy, while the
richest industrial countries use a lot of energy. The most common energy used
by poor nations like Tanzania is firewood. Industrialized countries use gas,
solar energy, and hydroelectric power and coal because they need more energy
for their industries. Energy consumption indicates the level of development of
a country.
Rural
–urban migration
People
in developing countries tend to migrate from rural to urban areas. Cities in
these countries grow rapidly. The purpose of migration is to get employment.
Most of these migrants remain unemployed and are subjected to poverty.
Unemployment
This is
a situation whereby able and mentally fit people in a country arejobless and/or
do not have formaljobs. There is a high rate of unemployment in developing
countriesand itis a serious matter in our societies, particularly among the
youth in urban areas. The high level of unemployment may result in civil
unrest, fall of standards of living, increased crime like drug abuse, robbery,
prostitution, theft and loitering. The other effects are child labour to
subsidize family income, separation of families and increased number of street
children.
Poverty
Poverty
refers to thestate of being poor. Poor people are those who fail to enjoy
better living conditions in the society they live in; they are unable to meet
the basic needs of life, which are food, clothes and shelter. Poverty is the
most distinguishing feature between developing countries and developed ones. In
this standard, two in five people living in developing countries are absolutely
poor. This type of poverty has been eradicated in developed countries. Poverty
is a hindrance to economic development.
Apprising
the indicators of economic development in relation to Tanzania.
Tanzania
is gradually developing due to implementation of modern technology in many
production activities like industries and small scale businesses. We are
observing many businessmen and women in many places. The government has
established Export Processing Zones (EPZ). The act to establish EPZ was enacted
in April 2002 and became effective in March 2003. The main objectives of EPZ
are to attract and promote investment for export, increase foreign exchanging
earnings and increase employment opportunities. These aimed at attracting and
encouraging the transfer of technology and promoting the processing of local
raw materials for export.
Currently,
eight companies have been licensed as EPZ developers (two in industrial parks,
six in single factory units), ten licensed as EPZ operators, five in textiles/
garments, one in mineral processing/jewellery, one in fruit processing, three
in reconditioning mechanical, electrical and electronic devices.
Main
sectors for EPZ investment are textiles, agro-processing, leather processing
and manufacture of leather products. Others are fish processing, lapidary (gold,
diamond and gemstones, including the famous Tanzanite), wood products,
electrical appliances, and information and communication technology (ICT). This
will solve the problem of unemployment, raise the GDP of our country and reduce
the rate of poverty.
In
Tanzania, agriculture is the backbone of our economy. With the introduction of
the policy “Kilimo Kwanza”, the number of people involved in this sector will
increase. New labour force involved in farming will be utilized accordingly;
this will solve the problems of malnutrition and increase life expectancy.
Activity 2
By using the indicators of economic development, assess the
economic development of your community (village/street). Present your findings
in the class.
Factors for Economic Development
Factors for Economic Development
Identify
factors for economic development
Economic development is the change or increase in the economic
growth and the distribution of the increased goods and services among the
population. For production to increase there must be land, labour, capital,
infrastructure, entrepreneurship, technology, education and good governance.
1. Land; Land is
anatural resource which includes the surface of the earth, lakes, rivers and
forests. It also includes mineral deposits below the earth. Land provides space
where production can take place. Industries that depend on land include all
extractive occupations such as farming, mining, quarrying and fishing. All
these economic activities contribute a lot tothe national income. Land is a valuable
factor. The value of land depends on location and fertility. The value of land
may depend on what one is going to use it for. For instance, land in Tanzania
is valuable to agriculturists and those who want to invest in estates, while in
United Arabs Emirates land may have no value to an agriculturist but it is
valuable to an industrialist who needs oil for industries.
2. Labour; Labour refers tohuman resource, the basic determinant of which
is the nation's population. It is any mental (intellectual) or physical efforts
of human beings made for any material benefit. Labour is the primary factor of
production. It is labour that organizes the other factors of production. Labour
is an important factor of production because it utilizes other natural
resources that are available in production. Without labour, land and capital,
nothing can be produced. It supervises the production of commodities. It
applies technical know how in the production process.
3. Capital; Capital
means all man-made productive assets. Capital is used to helot produce other
materials. Examples of capital are tools, machines and buildings. Capital
increases the productivity of land and labour. Money is used to purchase goods
for further production.Capital may be classified into fixed and working capital.
Fixed capitals include things like farms, machinery, tractors, and factories.
Working capital is used in a single act of consumption, for instance raw
materials, goods – in – process and fuel. Capital is important in production
because it enables investment. Investments include the building of factories,
power stations and the making of tools and implements. If more investments are
established, production will increase. Thus, economic development will
increase.
4. Infrastructure; Infrastructure
is the whole web of facilities which need to be in place for productive
industry to flourish. Infrastructure includes roads, railways, gas, schools,
electricity, telephones, water, sewerage systems and others. Infrastructure is
important foreconomic development. The goods produced have to be transported
from the production place to the marketing area. If supply will be low then
sales will not be good. Telephones are important to reduce movement of labour
during the marketing process. Roads must be passable throughout the year. Poor
infrastructure leads to poor development.
5. Entrepreneurship Land;labour and capital need
to be organized in order to produce. The person who organizes the business is
known as an entrepreneur. An entrepreneur is a person who is responsible for
the profit and loss of the business. He/she is the risk taker. An entrepreneur
is important in economic development because he or she provides the funds
necessary to bring together the other factors of production. The entrepreneur
has to employ labour, buy or rent land and arrange capital. He or she bears the
risk of the business. Entrepreneurs make some important decisions regarding the
business like what to produce, where to locate the enterprise, and decide on
the type of the business organization which may be a partnership or a
corporation.
6. Technology; Technology
is the way people use resources to meet their needs and wants. This includes
tools, machines, materials, techniques and the process used to produce goods
and services to satisfy their needs. Technology is composed of hardware,
software and technical know –how. Hardware is the physical structure and
logical layout of equipment or machinery that is used to carry out the required
needs. Software is the knowledge of how to use the hardware in order to carry
out the required needs. Technical know-how is the learned or acquired
skills.The level of output of a firm depends on the quality and quantity of
inputs in the existing state of technology. When technology is high, production
increases. The level of production in Tanzania is low due to poor technology.
For instance in agriculture, despite having fertile and vast land, we cannot
produce enough food to satisfy our needs and get surplus for export because of
the poor technology we are using in production.In the mining sector, foreign
investors have been invited to extract our wealth because we do not have
appropriate technology.The availability of technology affects the rate of
growth. It increases the productivity of capital and labour and the creation of
new products. Lack of or technology causes poor production of goods and
services and underdeveloped.
7. Education; Education
is a vital aspect in production. The quality of labour is a major source of
potential growth. Efficiency of labour depends very much on education and
training.A worker must have basic skills of reading and writing. They are
important to the functioning and productivity of an economy. Developing
countries have made a huge effort to provide university Primary Education for
all children.Education is very important in the production process, because it
reduces the expenditure on the foreign labour. It improves the efficiency of
human labour. In Tanzania, the education system trains job seekers rather than
job creators. This has led to massive unemployment among the educated people in
the country. One of the reasons is that there is low rate of industrial
expansion and agricultural modernization.
8. Good governance; Governance
refers to the exercise of power of the state in managing the country's social
and economic resources. It also relates to accountability, rule of law,
transparency and citizen participation. The government is responsible to see
that there is peace in the country so that people perform their duties
harmoniously. If there is no political stability in the country, the level of
production will decrease.The government plays a vital role in economic
development. It has to provide a conducive environment to the citizens to
engage in production. The government establishes policies that will favour
people to invest. The government should encourage people to participate in
economic activities by supporting them financially.The government must enact
good policies which will favour the workers in terms of good salaries and a
favourable working environment. It should also create favourable conditions for
the functioning of markets, operation of private firms, employment of civil
society and community-based organizations in the country.
Activity 3
Referring to features of
good governance and its significance, discuss how good governance is practiced
in Tanzania.
Importance of Each Factor of Economic Development
Illustrate
the importance of each factor of economic development
The importance of each factor of economic development
·
Land; Land provides space where production can take place. Industries
that depend on land include all extractive occupations such as farming, mining,
quarrying and fishing. For instance, land in Tanzania is valuable to
agriculturists and those who want to invest in estates, while in United Arabs
Emirates land may have no value to an agriculturist but it is valuable to an
industrialist who needs oil for industries.
·
Labour; Labour is the primary factor of production. It is labour that
organizes the other factors of production. Labour is an important factor of
production because it utilizes other natural resources that are available in
production. Without labour, land and capital, nothing can be produced. It
supervises the production of commodities. It applies technical know how in the
production process.
·
Capital; Money is used to purchase goods for further production.Capital
may be classified into fixed and working capital. Fixed capitals include things
like farms, machinery, tractors, and factories. Working capital is used in a
single act of consumption, for instance raw materials, goods – in – process and
fuel.Capital is important in production because it enables investments.
Investments include the building of factories, power stations and the making of
tools and implements. If more investments are established, production will
increase. Thus, economic development will increase.
·
Infrastructure; The goods produced have to be transported from the production
place to the marketing area. If supply will be low then sales will not be good.
Telephones are important to reduce movement of labour during the marketing
process. Roads must be passable throughout the year. Poor infrastructure leads
to poor development.
·
Entrepreneurship, Land, An entrepreneur is important in economic development because he
or she provides the funds necessary to bring together the other factors of
production. The entrepreneur has to employ labour, buy or rent land and arrange
capital. He or she bears the risk of the business. Entrepreneurs make some
important decisions regarding the business like what to produce, where to
locate the enterprise, and decide on the type of the business organization
which may be a partnership or a corporation.
·
Technology; When technology is high, production increases. The level of
production in Tanzania is low due to poor technology. For instance in
agriculture, despite having fertile and vast land, we cannot produce enough
food to satisfy our needs and get surplus for export because of the poor
technology we are using in production. In the mining sector, foreign investors
have been invited to extract our wealth because we do not have appropriate
technology.The availability of technology affects the rate of growth. It
increases the productivity of capital and labour and the creation of new
products. Lack of or technology causes poor production of goods and services
and underdeveloped.
·
Education; .A worker must have basic skills of reading and writing. They
are important to the functioning and productivity of an economy. Developing
countries have made a huge effort to provide university Primary Education for
all children.\
·
Education is very important in the production process, because
it reduces the expenditure on the foreign labour. It improves the efficiency of
human labour. In Tanzania, the education system trains job seekers rather than
job creators.
·
Good governance; If
there is no political stability in the country, the level of production will
decrease. The government plays a vital role in economic development. It has to
provide a conducive environment to the citizens to engage in production. The
government establishes policies that will favour people to invest. The
government should encourage people to participate in economic activities by
supporting them financially.
The Role of Financial
Institutions in Economic Development
Financial institutions are organizations which deal with
financial services, advice, assistance or support to individuals, companies and
the public at large. They are established by the public and registered by the
authorities. Financial institutions may be private or the publically owned. The
types of financial institutions found in Tanzania are banks, insurance
companies, and social security institutions. Others are loan-giving
institutions and, savings and credit cooperative societies (SACCOS).
·
Banks; A bank is an organization that provides financial services like
storingand lending money to people or institutions. In Tanzania, there are two
main types of banks, namely Central Bank and Commercial Banks.
·
Central bank; The Central Bank of Tanzania (BoT) was established following the
decision to dissolve the East African Currency Board (EACB) and the
establishment of separate central banks in Tanzania, Kenya, and Uganda. In
December 1965, the National Assembly passed the bill of the establishment of
the Bank of Tanzania. The Bank was opened by the first President of Tanzania,
the Late Mwalimu Julius K. Nyerere, on 14th June, 1966.
·
The central bank is a national financial heart. The bank is
independent from direct government influence when carrying out desirable
monetary policies aimed at stimulating economic activities in the economy. The
Central Bank of Tanzania carries out its responsibilities in close cooperation
with the government, and in particular the Treasury which is primarily
concerned with the financial policies of the government. The head is BoT is the
Governor, who is appointed by the Presidents of the United Republic of Tanzania.
The Role of Different Financial Institutions in Economic
Development
Analyse
the role of different financial institutions in economic development
The
Bank of Tanzania has important subsidiary central banking functions. The bank
has the sole right to issue notes and coins in Tanzania for the purpose of
directly influencing the amount of currency in circulation outside banks,
thereby providing the economy with sufficient but if possible non- inflationary
liquidity.
The
functions of the Central Bank of Tanzania in economic development
The
central bank is a bankers’ bank. This function includes the acceptance of
deposits to act as prudential reserves for these banks (that is the minimum
reserves), the willingness to discount commercial and government paper, and the
commitment to act as lender of last resort to these banks. It also involves the
provision of central clearance facilities for inter-bank transactions.
The
central bank is the banker and the fiscal agent ofthe government, and may be
the depository of the government. It makes temporary advances to the government
through its overdraft facility, subject to repayment within 180 days and
through purchases (direct or re-discounting) of treasury bills issued by the
government, which mature not later than 12 months from the date of issue. The
total amount outstanding at any time of advances made in this manner shall not
exceed one eighth the average budgeted revenues of government (average of the
actual collected revenues of the previous three fiscal years, excluding loans,
grants, other forms of economic aid, and all borrowing, whether short-or
long-term).
The
central bank may advise the government on any matter relating to its functions,
powers, and duties. It may also be requested to advise the government on any
matter related to the credit conditions in Tanzania or any proposal, measures,
and transactions relating thereto.
The
central bank is the depository of the official external assets of Tanzania,
including gold and foreign currency reserves. Guarding international reserves
may imply the determination of buying and selling rates of gold and foreign
exchange in foreign exchange markets and /or the buying and selling of reserve
assets for the purpose of sustaining the national currency’s external value. It
also includes reserve management, with a view to the prudential investment of
the funds, with due regard to safety, liquidity and profitability and external
debt management.
The central bank is the supervisor of banks and financial
institutions. In general, this activity involves ensuring that commercial banks
and other financial institutions conduct their business on and a sound
prudential basis and according to the various laws and regulations in force. It
includes the supervision of banking conduct and the licensing of financial
institutions. According to the banking and Financial Institutions Act of 1991,
and the new BoT Act, the main responsibilities of the Bank of Tanzania are:
·
Implementation of prudential controls concerning capital
adequacy, liquidity, concentration of credit and risk diversification, asset
classification and provisioning, and prohibited activities.
·
Licensing of banks and financial institutions.
·
Facilitation and monitoring of Deposit Insurance Fund, the
purpose of which is the protection of small depositors.
·
Modification and monitoring of the minimum reserve requirements
and foreign exchange exposure.
The
central bank promotes financial development. This refers to the establishment
of an effective financial system, with the aid of which financial transactions
minimum amount of cost and time involved. In this connection, the central bank
has to be a facilitator of advanced clearing and transfer systems. It also
implies that the necessary banking services, as for example deposit facilities
and loan facilities, are made available. Included here is also the availability
of certain specialized institutions, which could be represented, for example,
by an industrial development bank and/or an agricultural development bank and
micro-finance institutions, and the facilitation of a money market, a capital
market, and a foreign exchange market.
Commercial banks
Commercial
banks are established for the purpose of earning profit through accepting
savings, and utilizing these savings of their customers to extend loans and
advance on which they charge interest. These banks attract the public to
deposit by giving interest rate on those deposits once made with them. All the
commercial banks are controlled by the Central Bank of Tanzania (BoT).
Some of
the commercial banks operating in Tanzania are National Bank of Commerce (NBC),
National Microfinance Bank (NMB), Tanzania Investment Bank (TIB), Akiba
Commercial Bank (ACB), Standard Chartered Bank (SCB), Stanbic Bank (SB), Habib
African Bank (HAB), Diamond Trust Bank (DTB), Exim Bank (EB) and Cooperative
Rural Development Bank (CRDB).
The functions of commercial banks in economic development
The following are some of the functions of commercial banks in
economic development:
·
Advise their customers on issues concerning investment, trade
and how to run them.
·
Act as trustees, and can also keep valuable documents like
wills, certificates and gold. Hence they ensure safe custody.
·
Provide foreign exchange to customers and help their customers
in carrying out foreign trade.
·
Offer the facility of standing order where they make regular
payment to a customer’s creditor on behalf of insurance premium and electricity
bills.
·
Facilitate withdrawal of money on current accounts any time by
the use of a cheque.
·
Offer bank draft facility to different persons in the economy,
especially the traders.
·
Extend loans to several individuals and companies that are
engaged in agriculture, ranching, mining, industry and trade. In so doing, the
economy of a country grows.
·
Facilitate deposits of money. The commercial banks pay interest
rates on the deposits.
Condition and Procedures for Getting Services from Each
Financial Institution
Point out
the condition and procedures for getting services from each Financial
Institution
There
are common conditions and procedures for getting services from the commercial
banks. Any person maybe a member of any bank he or she wants to join. A person
has to take an introductory letter from his or her employer or from the local
government officials where he or she lives. He or she will present the letter
to the authority concerned in the bank. A special form will be given for
filling in his or her particulars and the type of account he or she prefers.
The applicant must provide the name of a referee. When the bank has approved
the application it will open an account for its new customer. The customer will
be given an account number. There are various types of accounts such as savings
account, current account and fixed deposit account.
The
customer may take a loan as per bank regulations. The purpose of a bank loan is
to provide the borrower with a lump sum of money to facilitate various
undertakings. To get a loan a person will make a formal application to the
bank. He or she might be interviewed by the manager. The manager has the
authority of deciding whom it is safe to lend to. When asking for the loan from
the bank, the bank may ask for collateral security. It is something given by
the customer to guarantee the payment of the loan, the customer would be
required to repay the loan by regular installments over an agreed period of
twelve, eighteen, twenty-four or thirty six months.
The Strengths and Weaknesses of Each of the Financial
Institutions
Assess the
strengths and weaknesses of each of the financial institutions
Strengths
of commercial banks
Commercial banks have the following strengths in their
contributions over the economic development of the country. They provide
·
Easy access of services from the automated Teller Machines
(ATM). This makes it easier for customers to access the bank services all the
time.
·
Security to their customers.
·
Investment advice, management of investments, buying and selling
of investments.
·
Safe custody of valuables (night safes).
·
Cash dispensers.
·
Loans to their customers who want to run businesses, build
houses, and buy cars, for improving their living standards.
Weaknesses of commercial banks
Apart from those mentioned strengths of commercial banks, there
are some weaknesses too, including:
·
Loans repayment interest
rate is high. Many people are discouraged fro taking loans because of high
interest rate. For instance, some banks chargeup to 36% interst rate.
·
Bureaucracy in taking
loans from the banks. The filling in the application form and the maturity of the
loan takes a lot of time.
·
Referees and collateral
security is a hindrance to many customers. Due to this
requirement, not everybody can get loans.
·
Low accountinterest
rates. Owners
of the accounts in the banks are paid little interest annually. This
discourages people to deposit their money in commercial banks.
Activity 4
“The central Bank of Tanzania is the mother bank of the banks in
the country”. Discuss.
Savings and Credit Cooperative Societies (SACCOS)
These
are organized groups in which members contribute capital through savings. The
money collected from members is used to open various ventures and profits
obtained used to pay interest to the saver. Members can borrow money and return
it with an interest within the agreed time. This might be six, twelve, eighteen
or twenty-four months.
In
Tanzania, SACCOS are developing and becoming very popular. Different people
including workers have established SACCOS for the purpose of raising their
living standards and eradicating poverty. Membership of the SACCOS is
voluntary. The members know each other and conduct meetings regularly. In fact,
it is family of its kind.
Principles of SACCOS
SACCOS members are bound with the following principles:
·
All members get fixed interest on their capital contributed.
·
They get dividends according to their contribution annually.
·
Members have equal voice each has one share one vote.
·
If one wants to withdraw his or her membership from the society,
his/her money is refunded after submitting his/her letter of resignation.
·
Leaders are elected in a democratic way.
Importance of SACCOS in economic development.
Members
can take loans for investment in various economic activities which improve
their living standards as well as the national income. They will be an able to
satisfy their daily needs such as paying school fees for their children and
constructing houses. Members can also borrow money for starting businesses.
Conditions and procedures for getting services from SACCOS
SACCOS
provide a number of services to their members, like banking services. Any
member who deposits his savings and assets can withdraw them in time of need.
SACCOS provide loans to their members. Money given as loans is collected from
the members of that SACCOS. SACCOS may take loans from other banks or buy
shares from different firms and companies. Through their shares they get
dividends, which are usually shared among the members according to their
contributions. To get any services from SACCOS one must be a member.
There
are forms given to the applicants to fill in how much they want to borrow and
how they will refund. The applicant must be sponsored by other members. He or
she should list the property which will be confiscated in case he or she fails
to pay back the loan. There is a committee which goes through each applicant’s
request, examining the behaviour of the member carefully to find out if he or
she can reimburse the loan. The committee then concludes whether to give or not
to give the loan. Loans are utilized for various purposes such as construction
of houses, starting a business, emergencies, paying school fees, livestock
keeping and buying fishing implements.
Strengths of SACCOS
SACCOS have the following strengths in their contributions to
the economic development of the country.
·
They give loans to their members.
·
They provide education of entrepreneurship that is how people
can start business.
·
They create employment opportunities for the members.
·
They establish various social and economic ventures such as
purchasing land or building a dispensary.
·
They provide financial assistance to members who are widows.
Weaknesses of SACCOS
Apart from those mentioned strengths, SACCOS have the following
weaknesses:
·
There is bureaucracy in processing the loans.
·
There is favoritism in the provision of loans; other people are
denied loans without genuine reasons.
·
There are not enough educated personnel to run SACCOS.
·
There are various conflicts in many SACCOS between the members
and their leaders.
·
Funds are not properly managed by the members.
Many
SACCOS are dormant. There are members who take loans and do not pay them back
hence causing suffering to those who deposited their money in the society.
Insurance companies
Insurance companies are financial institutions that deal with
managing risk of a firm or business, people and their properties. There are
mainly three types of insurance, namely life insurance, health insurance and
liability insurance.
·
Life insurance is a kind of insurance that guarantees a specific
sum of money to a designated beneficially upon the death of the insured, or to
the insured if he or she lives beyond a certain age.
·
Health insurance is an insurance against expenses incurred
through illness of the insured.
·
Liability insurance insures property such as automobiles and
professional/ business mishaps.
In
Tanzania there are many insurance companies. Some of them are national
Insurance Corporation (T) Ltd, Reliance Insurance Co.Ltd, Zanzibar Insurance
Corporation, Jubilee Insurance Co.Ltd, Tajack Insurance Co.Ltd and Prudential
Insurance.
Importance of insurance in economic development
The following are some of the importance companies in economic
development:
·
They restore loss because they take you back to the condition
you were in before the disaster.
·
They cover disasters that might affect the individual (protection).
·
They reduce losses from auto accidents on the roads and fire. In
running a business or any production activity mishaps may occur, thus it is
advisable to insure against uncertainties that might occur.
Strengths of insurance services in Tanzania
Insurance services have the following strengths in their
contributions to the economic development of the country.
·
Many clients have been compensated in case of loss of poverty.
·
In other types of insurance, for instance life insurance, the
insured is paid back his or her contributions with interest at the end of the
contract.
Weaknesses of insurance services in Tanzania.
Apart from those mentioned strengths of insurance services,
there are some weaknesses too, including:
·
Insurance services are not accessible in rural areas.
·
There is a need to educate Tanzanians on the importance of
insurance services.
·
Many insured people complain that insurance companies delay to
compensate them in case of a loss.
·
The procedure to get compensation takes a long period of time.
·
There are unfair methods applied by some of the insurance
companies to avoid full and timely compensation for the insured asset.
Social
security institutions
Tanzania,
like many other countries in the developing world, has strong informal social
security and formal social security systems. Informal social security systems
are such as Village Community Banks (VICOBA) UPATU, UMASIDA and VIBINDO. These
are locally formed by people in their areas or community for the aim of helping
each other in socio-economic issues.
The
formal social security systems found in Tanzania are the National Social
Security Fund (NSSF), Parastatal Pension Fund (PPF), National Health Insurance
Fund (NHIF), Local Authorities Provident Fund (LAPF) and Public Service Pension
Fund (PSPF).
NSSF offers social security
coverage to employees of the private sector and non-pensionable parastatal and
government employees. PSPF provides
social security protection to employees of the central government under
pensionable terms, while PPFoffers
social security coverage to employees of both private and parastatal
organizations. LAPF offers
social security coverage to employees of local government and the NHIF offers health insurance
coverage to pensionable employees of the central government.
The Social Security Regulatory Authority (SSRA)
Social
Security Regulatory Authority (SSRA) is a regulatory and supervising body of
the functions of all social security schemes in the country. It wascreated
under the Social Security Regulatory Authority Act, 2008, which President
Jakaya Mrisho Kikwete assented to in June 2010 and which became operational in
September 2011. The authority has the role of ensuring the funds are
sustainable, project interests, increase coverage and reduce the burden to the
government.
Functions of Social Security Regulatory Authority (SSRA)
The following are some of the functions of Social Security
regulatory Authority in economic development:
·
Register all managers, custodians and social security schemes.
·
Regulate and supervise the performance of all mangers,
custodians and social security schemes.
·
Issue guidelines for the efficient and effective operations of
the social security sector.
·
Protect and safeguard the interests of members.
·
Create a good environment for the promotion and development of
the social security sector.
·
Advice the minister concerned on all policy and operational
matters relating to the social security sector.
·
Adopt the conventional broad guidelines applicable to all
managers, custodians and social security schemes.
·
Monitor and review regularly the performance of the social
security sector.
·
Initiate studies, recommend, coordinate and implement reforms in
the social security sector.
·
Appoint an interim administrator of schemes, where necessary.
Strengths of social security institutions
Social security institutions have the following strengths in
their contributions over the economic development of the country.
·
Provide security to their member’s contributions.
·
Doing business by giving loans to firms, associations, and
individuals with interest.
·
Invest in the construction of houses for accommodations in town
and sell some of them to individuals.
·
They give benefits to the members when they retire.
·
Assist members when in trouble such as sickness or treatment to
expectant mothers.
·
Refund expenses incurred during the funeral of their member to
the family concerned.
Weaknesses of social security institutions
Apart from those mentioned strengths of social security
institutions, there are some weaknesses too, including:
·
Poor record-keeping as some members sometimes complain that
their contributions are not shown on the respective records.
·
Delays when giving services to the members. It takes about six
months to get benefits when a member retires.
·
Education to the members is inadequate because most of them are
now well informed about their rights and contributions.
·
Some employers do not provide the correct contributions to the
concerned social security scheme.
·
Some social security institutions are not giving loans to the
members especially when a child wants to go to school and other development
activities.
·
Money value always fluctuates which causes a negative impact to
members since it affects their purchasing power.
Loan
–giving institutions
There
are several financial institutions like banks, finance companies and private
money lenders, which provide loans to people. The loan taken will depend on the
purpose for which it is to be taken. There are various types of loans which are
available like commercial lending, house-building loans, home financing and
mortgage financing.
The
financial resources of a person help him or her to ascertain whether it is a
rational decision to take a loan. The loan should be taken at reasonable
interest rates. The person needs to compare the interest rates from multiple
lenders. The repayment of loans is dependent on the prevalent interest rates of
the market.
The
time of the actual repayment of the principal amount should be decided in
advance. A favourable adjustable rate protects a person from being in trouble
in future. Any lending agency will be interested to know your creditability, if
you will be able to pay monthly installments or not.
Strengths of loan institutions.
Loan-giving institutions have the following strengths in their
contributions to the economic development of the country.
·
People who take loans from these institutions establish petty
businesses which raise income to their families.
·
Education provided is free of charge to all members. They are
trained on how to invest and spend money wisely.
·
When members sit together and train, they form unity among
themselves. They sit in groups of five, six, seven or ten.
Weaknesses of loan-giving institutions
·
Apart from those mentioned strengths of loan-giving
institutions, they loans and put their guarantors in trouble.
·
The interest imposed on the loan is very high.
·
The loans given are small in quantity and cannot finance a large
investment.
Activity 5
Debate topic: “Loan-giving institutions are a burden rather than
a help to the people.”
The role of
Government in Economic Development
The
government formulates policies which aim at attaining economic development. The
government creates good conditions for all sectors of the economy. For
instance, in agriculture, the government provides storage facilities for crops
produced in rural areas.
The Role of Government in Economic Development
Explain
the role of government in economic development
the
farmers on modern methods of production and how to look after their harvests.
It also provides subsidized pesticides, fertilizers and equipment such as
sprayers, hoes and power tillers in rural areas. The government encourages
farmers to join cooperative societies and gives them loans.
The
government encourages society to have a culture of saving and investing. The
culture and habit of saving and investing generates wealth for individuals,
households, communities and the nation, in the same vein, a culture of wealth
creation and accumulation for development must also be reinforced by a culture
of maintenance to prevent unnecessary loss of capital stock.
The
government promotes a broad human development strategy; it encourages the
society to upgrade itself and improve its productivity. The government creates
an incentive system that encourages and rewards individuals, groups, and firms
to embrace initiative, creativity, innovation and excellence. This
transformation is reflected in the education system, training institutions, and
recruitment and promotion process.
The
government provides a good environment for actors to effectively harness
domestic resources in order to attain competitiveness in their diverse economic
activities. Competence and competitiveness, as driving forces, are realized
through sound macroeconomic policies, adequate and reliable infrastructural
development, quality education, effective utilization of domestic resources,
higher productivity and strengthening of the capacity to effectively anticipate
and respond to external changes. The government also has a duty of providing
security and favourable environment for investors in the country.
Effectiveness of the Government in Economic Development
Assess the
effectiveness of the government in economic development
The
government plays an important role in economic development. For instance in the
1980s the government adopted the policy of trade liberalization, which led to
the mushrooming of commercial activities in Tanzania. Many local and foreign
investors started investing in this sector. Since then, the commercial sector
has been expanding tremendously.
Areas
where the government has been ineffective in economic development
Apart from the mentioned effectiveness of the government in
economic development, there is some ineffectiveness too. Some of this
ineffectiveness is:
1. Signing
weak contracts with investors which do not consider the national interests, for
instance mining contracts and privatization of Tanzania railway Cooperation
(TRC) to Tanzania Railway Limited (TRL).
2. Poor
tax collection where the government loses a lot of money due to unnecessary tax
exemptions and tax avoidance.
3. Failure
to control inflation. The increase in inflation is attributed to a combination
of exogenous shocks. Some of the exogenous shocks include the hike in global
oil and flood prices, the decrease in demand and price of primary exports in
the world market. Other shocks include extreme weather conditions, which
adversely affect agricultural produce and power supply, and consequently
inhibit the growth of other sectors of the economy.
4. The
poor transport system affects the economic development of Tanzania. For
instance, traffic jams in cities is due to poor infrastructure and city
planning.
5. Inefficiency
of power supply. The government has failed to make proper use of the available
waterfalls, natural gas, coal and uranium to solve the power problems in the
country hence affecting economic production in various sectors like industries.
6. Lack of
good governance and accountability shows the inefficiency of the government in
spearheading economic development. There has been rampant corruption in Africa
which hinders economic development.
7. Dependence
on foreign aid to finance the budget of the nation affects the economic development
of the country especially where the aid is not given on time. For instance, the
government prefers the General Budget Support (GBS) as one of the sources of
external financing modalities. The GBS contributed Tshs.4 billion in 2008/2009
budget.
The Role of the
Private Sector in Economic Development
The
private sector in an economy is formulated under government policies but owned
individual or privately. Although the private sector provides services to the
public, it aims at maximizing profits. In a private sector there are two
components, namely the formal and the informal sectors.
Components of the Private Sector and Importance of the Formal
Sector in Economic Development
Identify
components of the private sector
The
private sector in an economy is formulated under government policies but owned
individual or privately. Although the private sector provides services to the
public, it aims at maximizing profits. In a private sector there are two
components, namely the formal and the informal sectors.
The
formal sector
The
formal sector encompasses all jobs with normal hours and regular wages, and is
recognized as income sources on which income taxes must be paid. This sector is
composed of all those private firms established legally by the registrar of
companies. Their businesses are legally performed, opened at an area known
publicly. They pay tax and other duties to the government. Examples of
businesses undertaken in the formal sector are industries, agriculture,
commerce and trade, transport and communication. The owners of these sectors of
the economy follow rules and communication. The owners of these sectors of the
economy follow rules and regulations established by the government.
Importance of the formal sector in economic development
The formal sector plays a significant role in economic
development.
·
Provides employment opportunities to skilled, semi-skilled and
unskilled labour. People are employed according to their skills in a particular
job. Thus, their living standard increases.
·
Helps to mobilize aid from foreign countries and international
organizations like the International Monetary Fund (IMF) and the World Bank.
·
Increases income to the country as owners of the firms pay tax
to the government. The tax is utilized by the government in various development
projects in the country.
·
Brings in foreign exchange, skilled power and capital.
·
Encourages competitions because of the existence of the formal
sector.
·
Creates availability of goods and services which are of good
quality due to competition.
·
Provides support to the people who have been affected by
disasters.
The
informal sector
The
formal sector has many names; some of them are invisible sector, non-planned
activities and unstructured sector. Others are informal economy, people’s
economy, one-person enterprise and urban subsistence sector.
The
informal sector or economy as defined by governments, scholars or bank is the
part of an economy that is not taxed, monitored by any form of government, or
included in any Gross National Product (GNP). Examples of people who engage in
the informal sector are water sellers, street vendors, buckers and shoe
shiners.
In
developing countries, around 70% of the potential working population earns its
living through the informal sector. They define the sector as that type of
sector where people earn a living self-employment and they are not on anyone’s
payroll. Most of them live and work in this sector not because it is their wish
or choice but because they have no chance of being hired by an employer from
the formal sector.
In
describing this sector, one should bear in mind that the formal economy is not
a deviation of the formal economy. The sector shows the initiative of people
who have failed to get formal employment engaging in various economic
activities to earn a living.
Characteristics of the informal sector
The
formal sector involves economic activities that are not regulated by labour or
taxation laws or monitored for inclusion in the Gross Domestic Product (GDP)
estimates.
There
are two types of the informal sector activities, namely coping strategies
(survival activities) and unofficial earning strategies (illegality in
business). Coping strategies include causal jobs, temporary jobs, unpaid jobs,
and subsistence agriculture.
Importance of the Informal Sector in Economic Development
Illustrate
the importance of the informal sector in economic development
Though most of the activities in this sector are performed
illegally, they contribute to the economic development of our country. The
following is the importance of the informal sector in economic development:
1. Provides
jobs which reduce the unemployment problem
2. Generates
income for individuals linked to these activities.
3. Helps
to alleviate poverty.
4. Bolsters
entrepreneurial activity.
5. Helps
to bring commodities to the customer‟s doors. This helps those customers who
stay away from the city center.
6. Make
easier the supply of goods and services since the exchange takes place on the
same day.
7. Contributes
income to the local government.
Problems Facing the Informal Sector
Analyse
the problems facing the informal sector
Apart from the mentioned importance of the informal sector in
economic development, there are some problems too. Some of those problems are:
1. Many
jobs are low-paid and the job security is poor.
2. There
are no proper places set for them to conduct their businesses.
3. Lack of
transportation means. For instance, “Machinga” guys walk long distances to sell
their goods.
4. Some of
the businesses do not address the issue of hygiene.
5. Lack of
enough capital which limits the expansion of the businesses.
6. Lack of
warehouse for traders to keep their stock or commodities.
7. Lack of
creativity among the members due to low levels of education.
8. They
are not recognized by the authorities and therefore there is no freedom in
doing their businesses.
9. No
fringe benefits from institutional sources because the activities are not
recognized.
10. Absence
of trade union organization.
Ways of Improving the Informal Sector
Propose
ways of improving the informal sector
The informal sector may be improved in several ways. Some of
these include the following:-
1. The
government should recognize the sectors by registering all the owners of these
businesses.
2. Proper
places should be located where people can operate their activities comfortably
3. People
should be educated on how to conduct their activities properly and the
importance of cooperation and unity. If they are united it will be easier for
them to get loans from financial institutions.
4. Health
officers must visit these areas to inspect and educate people on all issues
relating to health.
Social Development
and Social Services
Social
development is the improvement of the welfare of the people in the community.
It deals with the development in social, cultural and political aspects of the
society. Social development is the process of improving people’s living
standards, reducing poverty and unemployment, enabling people to invest in
profitable ventures, widening trading opportunities and reducing inequalities
among the people.
Meaning of Social Development and Social Services
Explain
the meaning of social development and social services
Social development is a
long-term process. There are a number of factors that must be considered to
achieve social development. People should get a balanced diet, good shelter and
health care. The government also has to provide important services which will
facilitate them in production. Such services are banking, insurance, loan
facilities and social security protection. These will support production of
goods and services which will stimulate high levels of living, high income,
more employment opportunities and better education.
Social services are
those services which are in a form of consumption. They include education,
housing, insurance, health, pension schemes, and cultural affairs. Sports,
games and entertainment. From these services, people get satisfaction. These
services are provided by the government through its agencies and the private
sectors as well.
It is
very difficult to draw a line between social development and social services
because they are closely relate. The third President of the United Republic of
Tanzania, Mr. Benjamin William Mkapa, named them as social hardware
infrastructure and software infrastructure. He meant that social hardware infrastructure
are those services which help directly to improve production in the country and
are usually in a form of investment. These include transportation and
communication, and water supplies for agricultural purposes. The
social-software infrastructures are those services which provide aids to the
services. These include banking and others.
Different Social Services Provided in Tanzania
Analyse
the different social services provided in Tanzania
Education
sector
The
United Republic of Tanzania realizes that equality education is the pillar of
national development, for it is through education that the nation obtains
skilled manpower to serve in various sectors of the national economy. It is
through quality education that Tanzania will be able to create a strong and
competitive economy which can be effectively cope with the challenges of
development and which can also easily and confidently adapt to the changing
market and technological conditions in the region and the global economy.
As at 2011, the structure of the formal education and training
system in Tanzania constituted 2 years of pre-primary education, 7 years of
primary education, 4 years of junior Secondary (ordinary level), 2 years of
Senior Secondary (advanced level) and up to 3 or more years of Tertiary
Education. Specifically, the education system has three levels, namely basic,
secondary and tertiary levels. Basic level includes pre-primary, primary and
non-formal adult education. Secondary level includes ordinary and advanced
education, while tertiary level includes programs and courses offered by
non-higher and higher education institutions.
The
current education system
The
overriding goal of the United Republic of Tanzania is that of eradicating
poverty under the framework of Tanzania Development Vision 2025 and the Poverty
Reduction Strategy 2015. Both of these identify education as a priority. The
Ministry of Education and Vocational Training (MoEVT) therefore recognized the
need to develop the Primary Education Development Plan (PEDP), 2002 -2006, and
Adult and Non-formal Education Strategy and implementation Plan (ANEIP),
2003/04 – 2007/08.
Both the PEDP and ANEIP have been developed within the context
of the Education and Training Policy (1995) and the Education Sector
Development Programme (ESDP 2000). PEDP aimed at providing Universal Primary
Education (UPE). It was expected that all school-age children (7 to 13 years
old) would be enrolled in primary schools by the year 2006. This translates
into a total of 6.5 million children. The key components of PEDP are:
·
Enrollment expansion
·
Quality improvement
·
Capacity building
·
Institutional arrangements
·
Finance and resource allocation.
Those
who missed basic education for various reasons are being absorbed into
non-formal education centres under the approved Adult Education/Non Formal
Education (AE/NFE) strategy and plan, developed after five years of experience
in piloting the Complementary Basic Education in Tanzania (COBET) and the
Integrated Community Based Adult Education (ICBAE).
The ANEIP
is expected to contribute to the creation of lifelong learning mechanisms, to
improve people’s livelihood and to be used for the creation of awareness of
prevention of HIV and AIDS. ANEIP will also contribute to the creation of a
conducive environment to address gender issues, sustained socio-economic
development, good governance and poverty reduction. The plan targets to enroll
3.5 million adults and almost a million out out-of school children and youth.
Secondary
education does not currently absorb all primary school-leavers. In 2002 a total
of 497 688 pupils completed Standard VII. Out of 497 688 pupils only 107 282,
which is about 21.7%, were admitted to secondary education in both public and
private schools. The age range in ordinary level secondary schools is 14 to 17
years and in advanced level it is 18 to 19. In the real situation, however,
there is a wide range of age groups in both ordinary and advanced levels
depending on age at first enrollment in primary schools and other factors.
Although
initial enrollment in primary education is almost equal between girls and boys,
fewer girls than boys complete primary and secondary levels or attain
higher-level education. There are a number of reasons for this disparity:
gender relations, pregnancy at young age, and parental preference for boys to
continue with education.
The accessibility, quality, efficiency and distribution of
education services in Tanzania.
The
Education and Training Policy adopted in a policy for the education sector
reform. The importance of education for Tanzania’s development is also echoed
in the National Strategy for Growth and Reduction of Poverty (NSGRP) which
builds on three pillars: growth and reduction of income poverty , improvement
of quality of life and social well-being, and governance accountability.
The
main role of the Ministry of Education and Vocational Training (MoEVT) is so
set policies based on accessibility, equality, distribution efficiency. In
addition, the ministry is responsible for improving the education standards in
the country, to systematize school; syllabi and oversee the implementation, to
arrange the format of examinations for primary and secondary schools and
distribution of school necessities and to promote national culture.
In the
implementation of the education policy in Tanzania, the government through the
Ministry of Education and Vocational Training (MoEVT) introduced various
programs. Some of those programs are the Primary Education Development Program
(PEDP) and the Secondary Education Development Program (SEDP). The aim is to
improve the education system in the country and increase the enrollment ratio
in schools.
From
1995, communities have played a big role in the establishment of primary and
secondary schools. The community builds schools and the central government
supports it in many ways such as providing teaching materials, books and
teachers. Today about 90% of the schools are community-owned schools.
Achievement of the government in the provision of education.
Following the education sector reforms established by the
Tanzanian government, the following achievements have been observed:
·
Increased gross and net enrollment of boys and girls, including
children with disabilities, in primary schools from 90.5% in 2004 to 99% in
2010.
·
Increased enrollment of orphans and other disadvantaged children
in attending and completing, primary education from 2% in 2000 to 30% in 2010.
·
At least 50% of boys and girls aged 14 to 17 years had been
enrolled in ordinary level secondary schools by 2010.
·
At least 25% of boys and girls were enrolled in advanced level
secondary schools by 2010.
·
Pupils who have passed primary education are given access to
secondary education.
·
The introduction of Information and Communication Technology
studies (ICT) in primary and secondary schools gives students skill to fit in
the modern society.
Problems facing the government in the provision of education
services.
Despite the achievements registered by the government in the
education sector, the sector is still facing numerous problems, including:
·
Poor resource allocation to the sector. The education sector has
inadequate laboratories, libraries and their equipment, textbooks and reference
books for students and teachers.
·
Lack of qualified teachers.
·
The number of teachers is less compared to the number of
students enrolled into Tanzanian schools.
·
Low salaries to the teaching profession which forces many people
to leave the profession.
·
Unavailability of electricity in remote areas which discourages
teachers to go to the villages once employed. As a result, they decide to find
employment in private schools.
·
Lack of important school infrastructures like classes, desks,
offices, toilets and teacher’s houses.
·
Transport problems for both students and teachers from their
homes to schools, making them waste a lot of valuable time while on transit.
·
Lack of in-service training for the teachers.
Activity 7
Suggest some possible measures or solutions in the challenges
facing the education sector in Tanzania.
Health
Sector
For a
period of almost fifty years, health services delivery has been largely done by
the government, with a limited number of private health institutions especially
in large towns or cities of the country. After independence, health care
facilities were redirected towards rural areas and free medical health services
were introduced except for Grades I and II. In 1977, private health services
for profit were banned under the Private Hospitals Regulation Act, 1977. This
act had negative implications on health services in the country. However, after
a series of major economic and social changes, the government adopted a
different approach to the role of the private sector.
New
were developed that favoured the private sector. The importance of the private
sector in health care delivery was further recognized with an amendment to the
Private Hospitals Regulation Act, 1977 which resulted into the establishment of
the Private Hospitals Regulation (Amendment) Act, 1991. Following this act,
individual qualified medical practitioners and dentists could now manage
private hospitals, with the approval of the Ministry of Health.
The
National Health Policy
The
National Health Policy was introduced in the early 1970s in the wake of the
Arusha Declaration 1967. The broad objective of the National Health Policy was
to provide comprehensive basic health services equitably to the whole
population. Strong emphasis was put on promotion of health and prevention of
diseases rather than curative services. It also called for a shift from
building large hospitals to smaller to smaller health centres throughout the
country. In addition, emphasis was given to training mid-level health workers
to manage these health units.
The
government of Tanzania has clear polices on the implementation of health
services to its people. These policies, currently the citizens are required to
share the costs of the services provided in those hospitals.
The specific objectives of the health services in Tanzania are:
·
To reduce diseases and death so as to raise the life expectancy of
Tanzanians. The government gives more attention to special groups like children
under five years, cold people.
·
To make sure that primary health care services are available and
are offered efficiently to the people.
·
To prevent and control communicable and non-communicable
diseases such as HIV and AIDS, malaria, tuberculosis, diseases caused by
malnutrition, environmental health, and working places as well as chemical
control.
·
To enlighten the citizens about the preventable diseases in
order to know them and find techniques of controlling them.
·
To create cooperation among the public sector, the private
sector, religious organizations and non-governmental organizations that provide
health services.
·
To provide education and increase the number of professional
health workers.
·
To identify, rehabilitate the infrastructure according to the
needs of the disabled, and lay down rehabilitation systems.
·
To evaluate health policies, laws and standards of giving health
services.
Primary Health Care (PHC) Approach
Following the Alma Ata Declaration of 1978, the government
adopted the PHC approach as a means of achieving “Health for all by the year
2000”. The Alma Ata Declaration defined Primary Health Care as the essential
health care based on practical, scientifically sound and socially acceptable
methods and technology. Under PHC, health services are made universally
accessible to individuals and families, through their full participation and at
an affordable cost.
·
Provision of essential health care in all villages through
village workers.
·
PHC committees at each level to promote community involvement
and intersect oral collaboration.
·
Strengthening health services especially at district level.
The
purpose of primary health is to strengthen the health of the citizens from the
family to national level by involving the citizens themselves. This includes
education, prevention and treatment.
Public health education
Public
health is mainly concerned with identifying prevailing health problems and
disseminating information about the public methods of preventing and
controlling them. This is an integral part of community involvement in Primary
Health Care (PHC). It is assumed that the health of an individual, the family
and the community at large is dependent upon factors such as environment,
socio-cultural traditions and lifestyles.
Hence,
public health education focuses on strengthening and addressing g issues
related to agricultural development, child upbringing, environmental sanitation
and development in general. For instance, school children are a special target
group for health education through the school health program. Public health
education is provided by a variety of methods including mass media,
dissemination of health education materials and through dialogue with communities.
Public
health education is a very important method in offering health services. It
involves communication technology and sends messages to the individuals,
families, and the society in order to reduce diseases in the society. The
government uses a variety of technologies like the media, signboards, fliers,
journals, books and websites.
Environmental health and hygiene
Our
health depends very much on how our environment is properly maintained. Our
land, plants, air, water bodies, buildings and sewage must be well taken care
of. The diseases which attack people are mostly caused by an unhygienic
environment. Our environment may be degraded by many economic activities, such
as the smoke produced form the industries which contaminates the air and destroys
the ozone layer. Waste water from industries which contains chemicals is thrown
into the rivers. Human beings are also affected by water pollution as they use
this water for different purposes.
The accessibility, quality, efficiency and distribution of health
services in Tanzania
The
distribution of health facilities has a heavy rural emphasis because more than
70% of the population lives in rural areas. Plans for the establishment of
health facilities have in the past taken into consideration the population
ratio. However with time this has in some areas been seriously overtaken by the
high population growth rate. The health system and specially the government’s
referral system assume a pyramidal patter of a referral system recommended by
health planners, which is from dispensary to consultant hospital.
The
structure of health services at various levels in the country starts with the
village health service. This is the lowest level of health care delivery in the
country.
They
essentially provide preventive services which can be offered in homes. Usually
each village health post has two village health workers chosen by the village
government amongst the villagers and given a short training before they start
providing services.
Dispensary
is the second stage of health services. The dispensary caters for 6000 up to
10,000 people and supervises all the village health posts in a particular ward.
Health centres come after dispensaries. Health centres are expected to cater
for 50,000 people which is the approximate population of one administrative
division.
District
hospitals are another important level in the provision of health services in
the country. Each district is supposed to have a district hospital. District
hospitals provide services to an average of 250 000 people. In Tanzania, almost
all districts have districts hospitals. In those few districts without district
hospitals, Faith Based Organization (FBO) hospitals are designated as district
hospitals.
Referral
hospitals are the highest level of hospital services in the country. currently
there are four referral hospitals, namely Muhimbili National Hospital (MNH)
which caters for the eastern zone; Kilimanjaro Christian Medical Centre (KCMC)
which caters for the northern zone; Bugando Hospital which caters for the
western zone; and Mbeya Hospital which serves the southern highlands.
However,
there are some diseases and cases that require special treatment whose
facilities and equipment are not available in the country. Depending on the
resources available, some patients have to be sent abroad for treatment.
The Role of
Government in the Provision of Social Services
It is
the duty of the government to promote the welfare of its people. In Tanzania
particularly, the government is trying its level best to improve the provision
of social services. There are a number of economic and social sector reforms
and policies which the government has implemented. These are like Primary
Health Service Development Plan. The plan intends to minimize the problem of
human resource shortage through advocacy for increased funding and reallocation
of staff for optimum utilization.
Meaning of Social Development and Social Services
Explain
the meaning of social development and social services
The
National Healthy Policy of 2007. The healthy policy vision is to have a healthy
community, which will contribute effectively to individual development and the
country as a whole. The mission is to facilitate provision of basic health
services, which are proportional, equitable, of high quality, affordable,
sustainable and gender sensitive.Government provision of health, education and
water services has consistently been rated as the key public priority. The
government plays a vital role in the provision of social services. The
following are the roles:
The Role of the Government in the Provision of Social Services
Appraise
the role of the government in the provision of social services
Government
provision of health, education and water services has consistently been rated
as the key public priority. The government plays a vital role in the provision
of social services. The following are the roles:
To make
policies which support private and non-governmental institutions in the
provision of social services2. To construct and maintain the transportation
system.3. To distribute teaching and learning materials to schools.4. To
distribute important facilities to hospitals and other areas where health
services are provided.5. To educate Tanzanians on environmental preservation so
that water sources are not polluted.6. To train the required personnel who will
assist in the provision of social services. Examples of such personnel are
teachers; water experts; railways; road and electrical engineers; doctors and
nurses.7. To train citizens on the best use of those social services and be
responsible. The citizens must realize that social services are for their own
use hence they should protect them
Appraising
the role of the government in the provision of social services in Tanzania.
The
government plays a vital role in ensuring that social services provided to the
citizens. Effective access to functioning and well equipped social services is
a prerequisite ofimproving the quality of life and for promoting the well-being
of all Tanzanians. The following are some of the evidences on the role of our
government in the provision off social services to its people:The government
has extended the provision of water in many places in rural and urban areas.
For instance, Kahama, Shinyanga Water Supply Project from Lake Victoria and the
Chalinze Water Supply Project which was implemented in the year 2001, targeted
at supplying water to 105 000 people for the 18 villages by the year 2015.
The
Tanzanian government has continued to focus on education provision since independence.
The aim is to address the shortage of skilled national manpower. In the
mid-1970s, a decision was made by the government to introduce Universal Primary
Education (UPE) by 1984. Funding was concentrated on primary education and
secondary school enrolment. The statics for primary enrolment and adult
literacy in the early 1980s were impressive. For instance, the Gross Enrolment
Ratio (GER) in 1980 was 98%.
In the
1980s the government allowed private and voluntary sectors to run
non-governmental schools. The education sector expanded rapidly. Higher
education in Tanzania during the late 19th century was predominantly provided
by the University Of Dares Salaam (UDSM).
The
University of Dares Salaam was first established in 1961 as a College of the
University of London. In 1963 it became a Constituent College of the University
of East Africa. In August 1970, it became a national University.
In
1965, Sokoine University of Agriculture (SUA) was established as the second
university in the country. It started as an Agricultural college offering
Diploma training in the discipline of agriculture. The establishment of this
university showed the importance of agriculture in the country. With the
dissolution of the University of East Africa and the consequent establishment
of the University of Dares Salaam (UDSM) in 1970, the College was transformed
into a Faculty of Agriculture of UDSM and thereby started offering Bachelor of
Science in Agriculture.
In
1965, Sokoine University of Agriculture (SUA) was established as the second
university in the country. It started as an Agricultural college offering
Diploma training in the discipline of agriculture. The establishment of this
university showed the importance of agriculture in the country. With the
dissolution of the University of East Africa and the consequent establishment
of the University of Dares Salaam (UDSM) in 1970, the College was transformed
into a Faculty of Agriculture of UDSM and thereby started offering Bachelor of
Science in Agriculture.
1994,
the Institutional Transformation Programme was initiated and since then, there
has been a considerable increase in students‟ numbers. Several other tertiary training institutions have
become universities. More recently, a number of private universities have been
opened, mainly run by religious bodies. Vocational training as also provided in
National VocationalTraining Centres. In 1994, these came under the newly formed
Vocational Education and Training Authority (VETA). VETA colleges offer a wide
range of courses.
Since
2001, there has been a dramatic expansion of primary education due to the
introduction of the Primary Education Development Programme (PEDP). In 2002,
standard one enrolments increased by 43.1%. The enrolment in primary school has
increased by 5.8% between 2006 and 2010. Gross Enrolment Ratio (GER) was 106.4%
in 2010 and Net Enrolment Ratio was 95.4%, indicating adequate absorption
capacity at primary schools for all school ages (7 to 13).
In
2003, the government embarked on ambitious plans for the expansion of the
secondary education through the Secondary Education Development Programme
(SEDP). All those are the efforts which the government is doing to raise the
level of education in Tanzania, hence eradicating the problem of illiteracy and
unemployment.
The
government, in collaboration with other stakeholders, has continued with the
implementation of the Child Health strategic Plan (2005 - 2010) and the Road
Map strategic Plan to accelerate reduction of maternal, newborn and child
deaths. Notable achievements have been recorded. The deaths of children fewer
than five years of age (the probability of dying between birth and fifth
birthday) have continued to decline significantly. The rate declined from 12
per 1000 live births in 2004/ 05 to 91 per 1000 live births in 2007/08 and
thereafter to 811 child deaths per 1000 live births in 2009/10.
The
government provides free primary education to the pupils. For instance, Primary
Education Development Programme Phase 2 of 2007 -2011 aims at ensuring that the
objective of providing free pre-primary and primary education is achieved. The
enrolment in primary schools has increased by 5.8 percent between 2006 and
2010. The government also provides loans to students of higher learning
institutions through the Higher Education Students Loan Board (HESLB).
The
government provides modern medical equipment and rehabilitation to most off its
hospitals. For instance , general rehabilitation of Muhimbili National
Hospital, Amana, Temeke, Mwananyamala and other regional hospitals in the
country.
The
government also provides assistance to health researchers, for instance Ifakara
Health Research Centre. The Government recruits new personnel from health
colleges found inTanzania like Muhimbili College of Health Sciences and others.
It also provides medicine to its health centres through the government agent,
namely Medical Stores Department (MSD).
The Role of the
Private Sector in the Provision of Social Services
The
government of Tanzania recognized effective partnership with the private sector
in the provision of social services in the country. Such services are
education, health, water, electric supply, communication and transportation.
The involvement of the private sectors in the provision of social services has
contributed to the improvement of the quality of life and promotion of the
well- being of Tanzanians.
Religious
group, community-based organizations, individual-owned institutions,
non-governmental organizations and private companies are stakeholders in the
provision of social services. After a series of major economic and social
changes the government adopted different approaches to the role of social
services delivery. New policies were developed that looked favourably in the
role of the private sector. For instance, the Private Hospitals Regulation Act,
1977 which allows the establishment of private hospitals.
The Role of Private Sector in the Provision of Social Services
Explain
the role of private sector in the provision of social services
The
government of Tanzania recognized effective partnership with the private sector
in the provision of social services in the country. Such services are
education, health, water, electric supply, communication and transportation.
The involvement of the private sectors in the provision of social services has
contributed to the improvement of the quality of life and promotion of the
well- being of Tanzanians.
Religious
group, community-based organizations, individual-owned institutions,
non-governmental organizations and private companies are stakeholders in the
provision of social services. After a series of major economic and social
changes the government adopted different approaches to the role of social
services delivery. New policies were developed that looked favourably in the
role of the private sector. For instance, the Private Hospitals Regulation Act,
1977 which allows the establishment of private hospitals
Challenges Facing the Provision of Social Services in Tanzania
Analyse
the challenges facing the provision of social services in Tanzania
The major challenges facing the provision of social services in
Tanzania are:
1. Some of
the government and private institutions face financial constraints which
complicate the provision of high quality social services.
2. People
living in rural areas have the worst living conditions. As a result, they
migrate on urban areas where they cause intensive scramble over the available
social services.
3. Delivery
of household water continues to be a problem for Mainland Tanzania; water
supply is not sufficient in rural and urban areas.
4. Transportation
systems in the rural areas are still a problem. People living in remotes areas
do not have access to transportation systems. Poor transport makes it difficult
for people to go to hospitals or farmers to transport their produce.
5. Bad
behaviour among individuals of destroying public and private infrastructure.
Some destroy the railways and cause accidents. Others steal transformer oil and
telephone cables.
6. Services
are too expensive and the citizens are unable to pay for the costs of the
services rendered. For instance, most of the private schools set high school
fees which are not affordable to a majority of Tanzanians.
7. Corruption
has become a big problem in the provision of quality social services
Appraisal of the role of the private Sector in the provision of
social services in Tanzania.
·
The private sectors play a vital role in the provision of social
services in Tanzania. This is clearly observed in the provision of education,
health services, clean water, transportation and communication.
·
The private sector has established many schools and colleges for
offering education in the country. Many people have benefited from the
education services offered by the private sector. Some of the university
colleges established by private institutions are St. Augustine University of
Tanzania (SAUT) Tumaini University owned by Lutheran Church, and Muslim
University of Morogoro (MUM). Others are the Hubert Kairuki Memorial University
(HKMU), the University of Arusha of Arusha, Zanzibar University and Mount Meru
University.
·
Many people have benefited from the health services offered in
hospitals established by the private sector in the country. examples of the
established hospitals include; Kilimanjaro Christian Medical Centre (Moshi),
Shia Ithnashery Hospital (Arusha and Dares Salaam)), Peramiho Hospital (Ruvuma),
Dr.Kairuki Hospital and Tanzania Heart Institute (Dares Salaam), Ilembula
Hospital (Iringa), Tayabali Mohammed Jaffer Hospital (TMJ) Dares Salaam),
Regency Hospital (Dares Salaam) and Bugando Hospital (Mwanza).
·
Various private companies have been established to offer
communication services in Tanzania. The companies include telecommunication
companies such as Vodacom, Airtel, Zantel and Tigo. Broadcasting stations such
as ITV and Radio One stations, Channel Ten TV and Magic FM station, Clouds TV
and Radio station, Tumaini TV and Radio stations, Star TV and Radio Free
Africa. Newspapers such as Mwananchi, the Citizen, Tanzania Daima, Nipashe,
Raia Mwema, Kiongozi, the Express, Rai, Mwanahalisi, Annur and Alhuda.The
private sector has contributed in the improvement of transport services.
·
Many people are enjoying the social services offered by the
established transport companies in Tanzania. Examples of the companies
established by the private sector in Tanzania are Precision Air and Community
Airlines, Dar Express Bus Services, and other companies that include sea
ferries such as Azam marine and Sepideh Express.Considerable efforts have been
made by the private sector to promote access to clean and safe water.
Tanzanians are enjoying water services provided by the private sector. Examples
of water companies offering water services are Kili water in Kilimanjaro
region, AfricanMuslims Agency in various areas of the country, Aqua Drilling
Company in Dares Salaam and Maji Tech based in Arusha.
Success and challenges
facing the provision of social services in Tanzania.
·
There is no doubt that both the government and the private
sector work hand in hand in offering good social services to the people of
Tanzania. The social reform policies enable Tanzania to succeed in the
following areas.
·
There has been considerable progress in primary education
following the implementation of the Primary Education Development Plan (PEDP)
in 2000. Enrolment rates have gone up. The number of classrooms and desks in
primary schools has increased, but more qualified teachers and more books are
needed to keep pace with increased enrolment. The data from the Ministry of
education and Vocational Training (MoEVT) indicates that the pupil –to teacher
ratio has increased from 1:64 in 2008 to 1:59 in 2009 and 1:51 in 2010 against
the required ratio of 1:40.
·
The government has taken to measures to improve the provision of
water services to the public. The government has implemented water projects
since 2007. There was a change in the implementation modality, whereby
quick-win projects were implemented while procurement of consultants was taking
place. A two year working plan was developed which targeted to construct 12 000
water points during the period. From July 2007 to June 2010 some 3 897 water
sub-projects were constructed, resulting in 8 277 operational water points.
·
The government has taken measures to improve the provision of
electricity both as hydro and thermal power. There are many private companies
in Tanzania today that avail generators to the public for the public for use
when there is power cut or no power installation
Activity 10
Even
though the private sector has done very good job in the provision of social
services in our country, what do you think are the setbacks facing this sector
in fulfilling their mission? Suggest the possible measures to alleviating those
setbacks.
Solutions of the Challenges Facing the Provision of Social
Services
Recommend
solutions of the challenges facing the provision of social services
The following are some recommendation on the challenges facing
the provision of social services in Tanzania.
1. Enabling
environment for increased private sector involvement, including incentives and
legal recognition to be created.
2. To
educate communities on the importance of the private sector participation in
the provision of rural and urban water supply and sanitation services.
3. To
allocate enough budget in provision of social services such as education,
water, health and infrastructure in the country.
4. To give
regular education to the public on how to take care of the public social
services in their localities. People should be made aware that these services
are for their own benefits.
5. To
construct better infrastructures; this will improve the living standards of the
people.
6. To
encourage community – based organizations to fund and run their own social
services. They can construct schools, dispensaries, water supply systems and
others.
7. . To
set a conducive environment for people to invest in the provision of social services
in the countryside.
8. Physical
planning should be seriously carried out to solve the problems of electricity
and water supply.
9. The
government should impose fines and take drastic measures against people who
destroy the environment.
Read
the following passage carefully and answer the questions that follow.
The
quality of health services in Tanzania has currently been improved. Better
curative and preventive health services are offered. There are now better and
advanced medical equipment in the regional and referral hospitals than the way
the situation was in the past. The medical personnel are more equipped.
At
the preventive level the government has improved nutrition, environmental
health; reproductive health and control of infectious diseases like the HIV and
AIDS, cholera, leprosy and diarrhea.
The
accessibility of Tanzanians to medical services is better than in previous
days. This is due to the improvement and expansion of the transport system in
different parts of the country. In addition, more government and private health
facilities have been built in different areas of the country.
Despite
the various measures taken by the government to improve health services, the
distribution of quality health services in Tanzania is very poor. Most of the health
centres that provide better services are still concentrated in towns and
cities. The health centres in rural areas are facing problems of inadequate
medicine and medical personnel.
Exercise 2
Questions
1. 1.
Suggest a possible title for this page.
2. From
your experience, suggest any two possible ways of preventing cholera.
3. Mention
two referral hospitals in Tanzania which you know.
4. According
to the passage, what are the criteria for measuring the quality of health
services?
5. What
are the possible causes of the difference in the quality of health services
between urban and rural areas?
Section
B
Answer the following questions.
1.
What is social development?
2.
Briefly explain the four social services provided by the Tanzanian government to her people.
- Outline any four challenges facing
the education sector in Tanzania.
POVERTY
Indicators of Poverty
Meaning of Poverty
Define
poverty
Poverty refers to a situation where a person cannot attain the
minimum level of well-being. The concept of well-being can be applied to
different dimensions like consumption, income, education and other basic needs.
·
Poverty is characterized by severe deprivation of basic human
needs, including food, safe drinking water, sanitation facilities, health,
shelter, education and information.
·
Poverty is also characterized by lack of income and productive
resources to ensure sustainable livelihoods, hunger and malnutrition, ill
health, limited or lack of access to education and other basic services.
Poverty also includes homelessness and inadequate housing, social
discrimination and exclusion.
·
It is also characterized by lack of participation in decision
making and civil, social and cultural life.
The main poverty line used in the Organization for Economic
Cooperation and Development (OECD) and the European Union is based on “economic
distance” - a level of income set at 60% of the median household income. This
states as follows:
1. In
1985, a poverty line set as US $ 14.40 a day per person. This was suggested for
industrialized countries like the USA.
2. By
1987, a poverty line set at US $ 2 a day per person. This was suggested for
Middle East and North African countries.
3. In
1990, a poverty line set as US $ 4 a day per person. This was suggested for
Latin America.
4. In
1990, a poverty line set as US $ 4 a day per person. This was suggested for
Eastern Europe and Commonwealth independent countries.
5. In
2008, a poverty line set at US $ 1.25 a day per person. This was suggested for
sub-Saharan African countries.
The International Poverty
Line gives us a convenient way of understanding the state of poverty. However, it is a very blunt instrument for measuring a complex
phenomenon. This is because:
1. It does
not take into account the cost of living differentials within countries. US $ 1
will buy different amounts of goods in urban and rural areas. For instance,
food may cost more in urban areas.
2. It does
show who lives in permanent poverty and who lives in temporary poverty.
3. It does
not consider the distribution of income within the household. Distribution of
income is sometimes affected by gender.
4. It only
values goods which are delivered in the market. In many poor countries people
grow and rear food and animals respectively for their own consumption.
Different Levels and Types of Poverty
Point out
different levels and types of poverty
Levels
of poverty
The
assessment of levels and trends of poverty is complicated by the lack of
consistent information and absence of officially recognized poverty lines. This
problem has forced some studies to develop and usetheir own lines. Thus, the
lower lines donate basic food needs based on specific assumptions about eating
habits, nutritional requirements and cost, while the upper lines cover in
addition to such food requirements, and other essential needs such as clothing,
housing, water and health. A poverty line of US $ 1 per day in real terms has
been used by the World Bank to facilitate comparison with other countries.
The situation and level of poverty varies among community
members and can be grouped into three categories depending on the degree of
dependency and possession of valuable assets.
1. The
first group consists of those who have no money or possessions and have lost hope. They do not have enough
food and in most cases depend on charity for survival. They are unable to
sustain themselves. Most of these people are either too old or young and
handicapped to work. Within this group also is a small fraction of the less
poor who consist of few families - mainly single parents, widows and women
married to irresponsible alcoholic husbands. They have inadequate standards of
living and are often the most vulnerable in society. For those families,
meeting the most basic needs is a daily struggle. These people are the source
of cheap labour in communities.
2. The
second group consists of people who can meet their basic needs but do not have sufficient income to have
any surplus income. This group comprises of many workers who are being paid low
or insufficient salaries - asalary whichenablesthemto meet onlytheirbasic
needs.
3. The third
group consists of the rich. At a
village level, a rich person has all the material necessities of life such
asadequate food to feed their children properly and live in good houses made of
bricks and roofed with corrugated iron sheets. They are able to assist others
or hire their labour. They have a reliable source of income either from
livestock or agriculture. They produce in surplusandpossess valuable assets
such as radios, television, bicycles, and motorcycles, and have money to
purchase basic essentials like clothes.
The
World Bank has set the International Poverty Line at an expenditure level of $
1 for every person a day. This figure represents the minimal amount on which a
person is considered to be living in absolute poverty, if his or her income
falls below this line. By this measure, at the present time about 1.2 billion
people are living below this line calculated using purchasing power abilities
which take into account difference in prices of goods in different countries,
and allows us to compare poverty levels internationally. However, if someone is
below the poverty line it is probably the person is living in a community
without access to clean water, but this is not always the case and some
countries have managed to reduce elements of human poverty than income poverty.
A developing country is a nation where the average income is
much lower than in industrial nations; where the economy relies on a few export
crops, and where farming is conducted throughprimitive methods.
Types
of poverty
1. Absolute and relative poverty. Absolute
(extreme) poverty refers to a set standard which is consistent over time and
between countries. The World Bank defines extreme (absolute) poverty as living
on less than US $1.25 per day, and moderate poverty as less than US $ 2 a day.
It estimates that in 2001, 1.1 billion people had consumption levels below US $
1 a day and 2.7 billion lived on less than US $ 2 a day.
2. Relative poverty views
poverty as socially defined and dependent on social context, hence relative
poverty is a measure of income inequality. Usually, relative poverty is
measured as the percentage of population with income less than some fixed
proportion of median income. Relative poverty measures income inequality rather
than material deprivation or hardships. The measurements are usually based on a
person‟s yearly income and frequently take no account of total wealth.
Indicators of Poverty
Identify
indicators of poverty
The
indicators of poverty include high rates of morbidity and mortality, prevalence
of malnutrition, illiteracy, high infant and maternal mortality rates, low life
expectancy, poor quality housing, inadequate clothing, low per capital income
and expenditure, as well aspoor infrastructure. Others include high fertility
rates, lack of access to basic services such as safe water, food insecurity and
poor technology. These features can be used to identify poor and non-poor
individuals, households or communities. An individual, household or community
found to be characterized by some or all of these features can be identified as
being poor.
Most
elements of indicators of poverty are mainly based on economic considerations.
Consequently, many of these indicators are quantifiable. Recently, the
definition of poverty has been further broadened. The new definitions
incorporate problems of self-esteem, vulnerability to internal and external
risks, exclusion from the development process and lack of social capital. The new
definition of poverty captures the qualitative aspect of socio-economic
well-being. A combination of the quantitative and qualitative definitions of
poverty are utilized to identify who the poor are and the extent of their
poverty, where they live and what they do for a living. These definitions also
influence the design of pro-poor policies for economic growth, public
expenditure, safety net programmes and tools for assessing the impact of
programmes and projects on poverty reduction.
Generally
poverty is a result of many and often mutually reinforcing factors including
lack of productive resources to generate material wealth, illiteracy,
prevalence of diseases, natural calamities such as floods and drought, and
man-made calamities such as wars.
At the
international level, an unequal economic and political partnership, as
reflected in unfavourable terms of trade and other transactions for developing
countries, is also a major cause of poverty in these countries. Some causes of
poverty are not direct, for example traditions and norms which hinder effective
resource utilization and participation in income –generating activities.
Poverty is one of the global problems that have hindered
socio-economic and political development of many societies.
Different Indicators of Poverty to the Tanzanian Situation
Relate
different indicators of poverty to the Tanzanian situation
The
Tanzanian economy is heavily dependent on agriculture, which accounts for about
50 percent of the gross Domestic Product (GDP). Agriculture provides 85 percent
of exports, and is by far the largest employer. Lack of technical know-how,
agricultural input, capital, unpredictable climate and unreliable markets
contribute to low levels of output.
Lack of
clean and safe water in a community is one of the major indicators of poverty.
Tanzanian statistics show that by 1993, this service was provided to 75 percent
of urban dwellers compared to only 46.4 percent of those living in the rural
areas. As discussed earlier, more than 70 percent of Tanzanians reside in rural
areas; therefore the majority of the population has no access to clean and safe
water. Women and children are the most affected citizens. Traditionally, women
have the role of fetching water for the family; they have to walk many kilometers
looking for water. Currently, community members rely on swamps and other dirty
water sources, which are mostly used by cattle and wild animals.
It is
estimated that up to 1977, 73 percent of Tanzanians had basic literacy skills.
However, this has been declining year after year. For example, in 1993 it had
declined to 63 percent, while only 68 percent of all children of school going
age were enrolled in primary schools.
The
main reason for the decline is the introduction of the cost-sharing system in
the 1990s whereby every family was required to pay school fees and other
school-related costs, which were previously covered by the government. As a
result of the poverty in the country, many rural families found it difficult to
meet the costs. Thispartly contributed to the increased number of illiterate
cases and school dropouts in the country.
The per
capita income of Tanzania is estimated at about $ 250 per year. Through
experience the $ 250 would not last for more than three months in a normal
Tanzanian family which in most cases includes children and members of the
extended family.
The
situation of family income, particularly in rural communities, is probably
worse today because most families are heavily dependent on agriculture which in
turn isaffected by unpredictable rainfall, lack of capital, agricultural inputs
and unreliable market. This has led toa higher rate of poverty among rural
communities, and distorted the traditional Tanzanian support system.
There
is a common belief that traditionally, the extended family in Tanzanian
societites provides social and economic support for its family members in times
of need. This has shown a high degree of self-reliance in the past in coping
with other social disasters including famine, drought and economic hardships.
Under this system, majority of the family members spend their resources
supporting and caring for a person in need. However, as result of poverty,
members of the extended family find it difficult to meet the traditional
obligations for all members of their extended family and in some cases, even
their children.
Inadequate
health services are another sign of poverty in the country. Most illness are
associated with poverty. In Tanzania, poor health services have been
responsible for the prevalence of infectious diseases such as diarrhea,
malaria, and tuberculosis. For example, according to Health Statistical
Abstract (1977) there was one hospital bed per one thousand people.
A high
mortality rate is another sign of poverty. According to the Health Statistical
Abstract (1977), the average life expectancy at birth in Tanzania is 50 years
compared to life expectancy of 77 years in developed countries. The infant
mortality rate is 96 per 1 000 live births compared to 7 in developed
countries.
Women–to-women
marriages are another classic example of poverty situations in rural
communities. This behavior is common in the northern part of the country, in
areas including Tarime and Serengeti districts in particular. Through this,
rich women choose young women from poor families and pay their bride price in
terms of cash or materials, such as land, cows or crops, to their parents. The
rich women later identify any man of their choice to be boyfriends of the
chosen young women so that they can reproduce. The offspring then belong to the
husband, who in this case are the rich woman. The poor families, including
their married daughters, get involved in this system because of the economic
hardship they experience. This puts poor women at risk of being infected with
HIV and AIDS.
Causes and Effects of
Poverty in Tanzania
The Causes of Poverty in Tanzania
Analyse
the causes of poverty in Tanzania
The
incidence of poverty varies greatly across the country but is highest among
rural families living in arid and semi-arid regions that depend exclusively on
livestock and food crop production. People of the central and northern
highlands are nutritionally the most deficient, while coastal and southern
highlands zones register the severest levels of poverty. From the point of view
of policy and strategy design, no region is significantly better off than
other, and are very poor by any international standard.
Poverty
is caused by both internal and external factors. Whereas the internal causes
can be clustered into economic and social factors, the external factors relate
to international trade, the debt burden and refugee issues.
Internal
Causes of Poverty
1. A poor agricultural sector contributes
to poverty in acountry. Failure in the agricultural sector contributes to the
increase of poverty. It is claimed that though agriculture is the backbone of
the economy, the support given to the sector over the years has not been
relative to its importance. This is indicated by poor rural infrastructure,
lack of modern farm equipment, lack of fertilizers and pesticides at reasonable
prices, low prices for agricultural produce, and lack of irrigation schemes.
2. A low level of science and technology has
contributed to poverty in Tanzania. The use of scientific and technological
knowledge inproduction helps to increase the economy of an individual country.
In Tanzania, poor and/or inappropriate technology is still being used; this
leads to low productivity in all sectors of production. For instance, a
majority of farmers are still using hand hoes. This act has contributed a lot
to the increase of poverty in Tanzania.
3. Government taxes contribute
to poverty. Increasing taxes without considering people's ability to pay
contributes to the increase of poverty in Tanzania.
4. Lack of self-motivation to
perform one's duties due to laziness and irresponsibility has contributed a lot
in increasing poverty. At the government level, officials do not deliver
relevant services and goods to the people as required. This habit has hindered
many people in implementing their various projects; for instance the issue of
land and right of occupancy.
5. Mismanagement of public funds that
could develop the common people. This is done by the government officers and
top leaders who ought to set a good example. As a result, our country loses a
lot of public funds through mismanagement. For instance, government officers
and politicians are paid big allowances and use very expensive cars.
6. Common and communicable diseases such malaria, diarrhea, pneumonia, TB and anemia are the main
causes of death in Tanzania. Children youngerthan five years old are the most
affected. Explosion of diseases such as HIV and AIDS, cholera and typhoid have
increased the poverty problems. The government and family members are spending
a lot of money for curative and preventive measures- money which could have
been used to finance the agricultural and industrial sectors is used to fight
such diseases.
7. Education. Majority of people of Tanzania, like other
Africans are uneducated; this limits their ability to participate in the
development of their country's profitably. For instance, FAO's1974report on the
state of food and agriculture shows that Africa's annual population growth from
1952 was 2.2% while food production growth from 1952 to 1962 was 0.0%. World
Bank‟s Development Report of 1982 shows that Africa's annual population growth
from 1960 to 1970 was 0.1%. The same report bythe World Bank shows that
Africa's annual population growth from 1970 to 1980 was 1.1% while food
production growth dropped by 1.1%. This low percentage in food production in
relation to high increase percentage in population growth indicates ignorance
and lack of technical know–how.
External
Causes of Poverty
1. External debts burden. The government spends
the little resources ithas to pay external debts.
2. Unequal exchange in
international trade has contributed to poverty in Tanzania. The developed or
rich countries control the “world market" and developing or poor countries
have no say in the world market as they are economically poor. Tanzania is one
of the developing countries, so the prices for her imported and exported goods
and goods are fixed by rich countries. The prices offered to the goods from
developing countries are very low but are high for those from developed
countries. This imbalance of trade has forced poor countries like Tanzania to
remain poor. This trade relationship is difficult to break.
Activity 2
Suggest some possible
measures which can be taken by the Tanzanian government toreduce or alleviate
internal causes of poverty to her people.
The Effects of Poverty in Tanzania
Analyse
the effects of poverty in Tanzania
There
is widespread poverty Tanzania,which has contributed to numerous effects. At
present, about 38 percent of people living in rural areas are classified as
poor. This progress is reflected in the United Nations Development Programme's
Human Development Index for Tanzania, which rose from 0.3% in 1991 to 0.4% in
2002.
Poverty
in Tanzania is more common in rural areas. About 85 percent of the country's
poor people live in rural areas and rely on agriculture as their main source of
income and livelihood. According to the Household Survey of 2000/01, some 20
percent of rural people live in extreme poverty and about 39 percent are
considered poor. Within the agriculture sector, food crop producers are
generally poorer than cash crop farmers, but both operate under cyclical and
structural constraints, and are subject to frequent natural calamities (drought
and flooding) and lack market linkages, inputs, credit and irrigation water.
Income
inequality for rural areas has remained more or less constant and is rooted in
inequitable access to productive assets, including land, financial services,
livestock and education. According to a poverty profile survey of rural
households, the percentage of the rural population producing food for home
consumption has dropped by 10 percent in the last decade. Fewer rural
households have access to safe drinking water, primary education and medical treatment.
There is also clear evidence that poverty increases with the distance from
markets, drinking water supplies and health clinics.
Observations show that
poverty has caused a lot of socio–economic and political effects in Tanzania,
such as:
1. Increase inilliteracy; normally,
poor societies fail to send its children to school. There are so many cases of
parents failing to pay school fees for their children after they have been
selected to join secondary schools.
2. People cannot afford to use modern equipment and machinery such as electric or gas cookers. Hence, they rely on cheap
sources of energy like charcoal and firewood, which causes deforestation.
3. Lack of modern agricultural machinery such as tractors forces people to use hand hoes which leads to lowagricultural
yields.
4. Increase in illness. Poverty in local
communities has contributed to the increased number of malnutrition and infant
mortality, disruption of Tanzanian traditional support systems and the spread
of HIV and AIDS in the country.
5. There
is an increase of criminal acts such as
robbery, prostitution, drug abuse, and theft. Many people are forced to indulge
themselves in these social evils because of poverty.
6. Poor people cannot afford a balanced diet; this
leads to malnutrition and failure to engage in economic activities for
development.
Activity 3
Why do you think poverty in Tanzania is more common in rural
areas?
Strategies for
Poverty Alleviation in Tanzania
Strategies in Place for Poverty Alleviation in Tanzania
Analyse
the strategies in place for poverty alleviation in Tanzania
The
United Republic of Tanzania is the only country in Africa, and perhaps in the
world, that within a span of 40 years has gone through rapid and radical
transformations - from a colonial system to a systemlinking rural households to
social services and to a market economy - without sacrificing basic democratic
ideals and social equanimity.
During
the process, all of the country's social, political and economic institutions
underwent drastic transformations to adjust and conform to rigid national
guidelines and priorities. Such changes seriously affected the economy, and
resulted in a gradual and protracted decline of all growth indicators during
the 1970's and 1980's. Since then, the country has recovered significantly,
mainly through the implementation of various structural adjustments and
restructure programmes led by the government with the help of a coalition of
donors.
The
strategies suggested by the international community to alleviate poverty in
this country, at grass-root level in particular, have been ineffective. This is
mainly because the poor people were not involved in the designing,
implementation, or evaluation of the poverty reduction strategies. However, a
way forward should be astrategy which seeks full representation of the poor and
other stakeholders in the designing, implementation, monitoring and evaluation
of the poverty alleviation strategy. The strategies should address the actual
needs of the poor communities and target them directly.
After
independence in 1961, Tanzania developed different strategies and policies to
alleviate poverty such as the Arusha Declaration of 1967, in whichthe
Government nationalized all means of production such as land, industries and
mining. In 1986, the government embarked on Structural Adjustment Policies
(SAPs) including trade liberalization, public sector reform, elimination of
price controls and established monopolies, multiparty system and good
governance. These strategies were suggested by the international community and
were set as a condition of accessing loans and other assistance.
Despite
all these efforts, the situation of poverty in Tanzania is worse than it was in
the 1970s. The International Monetary Fund's (IMF) findings conclude that
poverty in Tanzania has stagnated, and that some social indicators have
worsened, but that the main characteristics of the poor have remained
unchanged.
One of
the intervention measures suggested by the government of Tanzania is;
The
introduction and implementation of social and economic policies which address
the issue of poverty both at national and individual level. This may
necessitate increased state intervention in education and other social welfare
services, and the creation of an enabling environment for private investment in
the production sector.
In
addressing the key challenges instrategizing to reduce pervasive poverty,
Tanzania prepared and adopted aDevelopment Vision 2025 in the year 1999 and
aNational Poverty Eradication Strategy (NPES) in 1997 which spell out a vision
for the society with object poverty and improved social conditions. The NPES
that was adopted in 1997 aimed at providing guidance to all stakeholders in
identifying, formulating, implementing and evaluating their poverty.
The overall
goal of NPES was to provide a framework to guide poverty eradication
initiatives in order to reduce absolute poverty by the year 2025. For achieving
the goals of NPES, the government identified five key sectors, namely
education, health and nutrition, water, agriculture and rural roads.
The
NPES has identified three areas of strategic interventions, namely creating an
enabling environment for poverty eradication, building the capacity for poverty
eradication and eradicating poverty. The strategy has also spelt out roles at
various levels for poverty eradication initiatives. This vision 2025 is in line
with the international developing goal.
Strategies
to eradicate poverty are viewed as instruments for channeling national efforts
towards broadly agreed objectives and specific inputs and outputs. The
elaboration and implementation of the strategy are fundamentally an ongoing
process. While a wide variety of key interventions have already been launched,
the preparation of strategies for certain sectors such as agriculture and
education are still under way. The implementation of reforms aimed at shifting
the responsibility of formulating and monitoring poverty reduction intervention
by districts, municipalities, and communities at the grass roots.
The
fight against poverty is nationwide. The government's role is to ensure that
its people are free from poverty and live a decent life including putting in
place an enabling environment for all stakeholders to effectively participate
in poverty eradication activities. The government should also strengthen good
leadership and coordination mechanisms for poverty eradication initiatives.
The
government recognizes the role of the private sector in poverty eradication.
The private sector has a role of creating employment opportunities by
increasing investments. The private sector needs to invest in the provision of
social services, provision of credit facilities and dissemination of
information on poverty eradication efforts. Non –Governmental Organizations
(NGOs) have the ability to contribute effectively in poverty eradication
efforts because their activities are based at the grass roots. Non-Governmental
Organizations play a role of sensitizing people and expand participation of
beneficiaries in poverty eradication.
The
National Poverty Eradication Strategy (NPES) recognizes the important role of
donors and other stakeholders; hence they are included in the implementation of
poverty eradication plans and programmes.
People
are the main stakeholders in bringing about decent living conditions. It is
their duty to denounce poverty and carry out efforts to eradicate it. At
different levels, people themselves have to identify the available resources at
their disposal and direct them into poverty-eradication programmes.
Therefore,
the strategies for poverty alleviation in Tanzania are;
1. The Arusha Declaration of 1967,
whereby the Government nationalized all means of production.
2. In 1986
the government embarked on Structural
Adjustment Policies (SAPs), including trade liberalization, public
sector reform and elimination of price controls.
3. Tanzania
prepared and adopted the Development
Vision 2025and the National Poverty
Eradication Strategy (NPES) in 1999.
Effectiveness of the strategies in place for Poverty Alleviation
Assess the
effectiveness of the strategies in place for poverty alleviation
The effectiveness of the strategies in place for poverty
alleviation rests withTanzanians as well as their government. As far as the
effectiveness of the strategies is concerned, some significant changes have
been observed. These include:
1. Agricultural
output has grown at 3.7 percent per annum since 1990.
2. Mining
has begun to generate higher output as a result of the investment undertaken by
multinational corporations.
3. Social
service sectors like health and education have expanded rapidly since the 1990s
due to government consideration of them as a priority sector, as well as the
expansion of the private sector into social service sector.
4. The
government is paying more attention to cross-cutting issues like environment,
gender, HIV and AIDS, employment, and malaria and restructuring local
government.
5. Policy
formation and strategy are more transparent than before.
Ineffectiveness
of the strategies in place for poverty alleviation
The
vision 2025 strategy projected a future free of poverty and characterized by
good governance and the rule of law. But the document did not provide a
strategy of how to achieve them. The National Poverty Eradication Strategy of
1997 defined areas for economic growth, income levels, primary education,
literacy, access to water and sanitation, unemployment, mortality and health
and infrastructure. This strategy failed to specify priorities among many
planned activities. It did not incorporate the costs and targets to be made.
The
Poverty Reduction Strategy Paper (PRSP) was a strategy for poverty reduction
with the country's own ongoing processes and agenda. The shortcoming of PRSP
were the lack of concrete operational guidelines and costing of interventions.
The proliferation of poverty-eradication strategies made it harder for
officials and other stakeholders to see the PRSP differently compared
toprevious attempts.
Exercise 1
Answer the following questions.
1. Briefly
explain the main types of poverty.
2. Mention
any five indicators of poverty.
3. Explain
why ignorance is believed to be one of the reasons for poverty in Tanzania.
4. Describe
the external causes of poverty in Tanzania.
5. Alleviation
and eradication of poverty do not demand only internal support but also the
external push. Discuss.
6. Despite
Tanzania being endowed with natural resources it is
still poor. Elaborate.
- Show the impacts of poverty on
socio-economic development in Tanzania.
- Debts burden in Tanzania can be
avoided. Discuss.
- How can good leadership and
government help to alleviate the poverty problems in African countries?
- Suggest strategies that the
Tanzanian government can take to alleviate poverty.