3.2.1 Survey Population In this study, enumerators surveyed some business areas in Kinondoni district where29
many informally employed people can be found. The survey targeted flea markets,kiosks, shops, informal transportation, formal market places and any other informalbusiness found in and around these business areas. Considering that mobile creditservice is available only to registered users of mobile money, only people who own amobile phone were interviewed. These people were found by visiting randomlyselected businesses in Kinondoni district. 3.2.2Area of the Survey The chosen area (Kinondoni district, in Dar es Salaam Region; Tanzania) is in urbansetting. According to 2012 census reported by the National Bureau of Statistics(NBS), Kinondoni district had a population of 1,775,049; which was the highestpopulation among the three districts of Dar es Salaam city (NBS, 2014). Kinondonidistrict contributes 41.8% to the total labor force (people of age 15 – 59 years) ofDar es Salaam region. Using NBS’s projected annual growth rate of 2.7% from2012; Kinondoni is estimated to have 383,446 informally employed people in 2016.3.3Sampling Design and Procedures The target population of this research, (informally employed people in Kinondonidistrict in Dar es Salaam region; Tanzania) is largely concentrated in geographicallyseparated business clusters. These clusters are located in Mwananyamala,Makumbusho, Mikocheni, Msasani, Mwenge, Kawe, Mbezi beach, Goba, Tegeta,Boko and Bunju. It is worth noting that areas that has (or had) city bus terminalshave the highest concentration of small businesses. These areas also have flea-markets and/or food stuffs and groceries. There are of course a significant number ofsimilar businesses in residential areas.30
The sampling frame chosen is made up of business areas where there is a flea-market. This choice was expected to give widest diversity in types of business thatemploy the individual sampling units. This narrowed the target to Mwananyamala,Mwenge, Kawe and Tegeta areas. All the sampling frame areas have a flea-market aswell as regular food stuffs/groceries marketplaces. According to the 2012 NationalSurvey, the working-age population in Kinondoni district was 1,208,828; and that ofDar es Salaam was 2,893,355 (NBS, 2013). And the annual growth rate was 2.7%.Assuming this annual growth rate is constant; this population grows to 1,344,765 forKinondoni; and 3,218,722 for Dar es Salaam in 2016. Kinondoni district thereforeconstitutes 41.8% of Dar es Salaam working-age population. The Integrated Labor Force Survey (ILFS) report of 2014 shows that the informalsector employs a total of 28.5% of Dar es Salaam working-age population (NBS,2014). Assuming this percentage remains the same, in 2016, the number ofinformally employed persons in Dar es Salaam is estimated to be 917,336. Again, bythe same percentage; Kinondoni district is estimated to have 41.8% of 917,336; thatis 383,446 persons employed in the informal sector.