321 Survey Population In this study enumerators surveyed some business areas in

321 survey population in this study enumerators

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3.2.1 Survey Population In this study, enumerators surveyed some business areas in Kinondoni district where 29
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many informally employed people can be found. The survey targeted flea markets, kiosks, shops, informal transportation, formal market places and any other informal business found in and around these business areas. Considering that mobile credit service is available only to registered users of mobile money, only people who own a mobile phone were interviewed. These people were found by visiting randomly selected businesses in Kinondoni district. 3.2.2 Area of the Survey The chosen area (Kinondoni district, in Dar es Salaam Region; Tanzania) is in urban setting. According to 2012 census reported by the National Bureau of Statistics (NBS), Kinondoni district had a population of 1,775,049; which was the highest population among the three districts of Dar es Salaam city (NBS, 2014). Kinondoni district contributes 41.8% to the total labor force (people of age 15 – 59 years) of Dar es Salaam region. Using NBS’s projected annual growth rate of 2.7% from 2012; Kinondoni is estimated to have 383,446 informally employed people in 2016. 3.3 Sampling Design and Procedures The target population of this research, (informally employed people in Kinondoni district in Dar es Salaam region; Tanzania) is largely concentrated in geographically separated 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 terminals have 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 of similar businesses in residential areas. 30
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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 that employ the individual sampling units. This narrowed the target to Mwananyamala, Mwenge, Kawe and Tegeta areas. All the sampling frame areas have a flea-market as well as regular food stuffs/groceries marketplaces. According to the 2012 National Survey, the working-age population in Kinondoni district was 1,208,828; and that of Dar 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 for Kinondoni; and 3,218,722 for Dar es Salaam in 2016. Kinondoni district therefore constitutes 41.8% of Dar es Salaam working-age population. The Integrated Labor Force Survey (ILFS) report of 2014 shows that the informal sector 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 of informally employed persons in Dar es Salaam is estimated to be 917,336. Again, by the same percentage; Kinondoni district is estimated to have 41.8% of 917,336; that is 383,446 persons employed in the informal sector.
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