Role of Operative Environment of Micro-Finance on Poverty Alleviation in Tanzania: The Need for A Holistic Research Approach.

    Micro-finance is globally appreciated and acclaimed for providing poor people with the opportunity to generate incomes and address their plight. Alas, many studies on the impact of micro-finance on poverty alleviation have largely tended to examine the role that micro- finance plays while condoning the influence of other factors (loan repayment terms, level of infrastructure, quality of health, safety levels, gender relations, illiteracy rates, etc.) on this impact. These factors, in their totality, make up what this paper terms the operative environment of micro-finance, which determines how micro-finance performs. This study was primarily driven by the goal of understanding the environment in which micro-finance activities operate in rural and urban Tanzania. Thus the study has two objectives: (1) to investigate the various factors forming the operative environment of micro-finance and their impact on the performance of micro-finance institutions and other stakeholders; and (2) to assess the need for a holistic research approach in studying the impact of micro-finance. Unsuccessful, doomed

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ESRFs activities are supported by the Government of the United Republic of Tanzania, United Nations Development Programme (UNDP), African Capacity Building Foundation (ACBF) and International Development Research Centre (IDRC)