@incollection{,
	
					
					
					843C778BC31DFDD62215692C627CA514
				,
	author={{Dr. Pendo N.S.Kasoga} and {University of Dodoma}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}15103954
}

@book{b0,
	
	
		,
	title={{The Effect of Quality on Satisfaction and its Consequences on Customer"s Behavioral Intentions: A Study of Selected Service Firms}}
		,
	author={{
			AMAme
		}}
		
			,
	year={2005}
			,
	address={Tanzania}
		
		
			University of Dar es Salaam
		
	
	,
	note={PhD Thesis}

}

@incollection{b1,
	
	
		,
	title={{Microfinance beyond Group Lending}}
		,
	author={{
			BArmendáriz De Aghion
		} and {
			JMorduch
		}}
		
	
	
		,
	journal={{Economics of Transition}}
		
			8
			2
			
			,
	year={2000}
		
	

}

@book{b2,
	
	
		,
	title={{The Economist of Microfinance}}
		,
	author={{
			BArmendáriz De Aghion
		} and {
			JMorduch
		}}
		
		
			,
	year={2010}
			,
	publisher={MIT Press}
			,
	address={Cambridge}
		
	

}

@incollection{b3,
	
	
		,
	title={{Aspects of the Theory of Risk Taking}}
		,
	author={{
			KArrow
		}}
	
	
		,
	journal={{Jahnssonis Saatio}}
		
			,
	year={1965}
		
	

}

@book{b4,
	
	
		,
	title={{Group Lending or Individual Lending: Evidence from a Randomized Field Experiment in Mongolia}}
		,
	author={{
			OAttanasio
		} and {
			BAugsburg
		} and {
			DRHaas
		} and {
			EFitzsimons
		} and {
			HHarmgart
		}}
		
		
		
		
		
			,
	year={2013}
			20
			
		
		
			University of Mongolia
		
	
	,
	note={Working Paper No. W11/}

}

@incollection{b5,
	
	
		,
	title={{Adoption of Tex e-filing: Conceptual Paper}}
		,
	author={{
			AAAzmi
		} and {
			YKamarulzaman
		}}
		
	
	
		,
	journal={{Afr. J. Bus. Manage}}
		
			4
			5
			
			,
	year={2010}
		
	

}

@incollection{b6,
	
	
		,
	title={{Adverse Selection and Moral Hazard in Joint Liability Loan Contracts: Evidence from an Art factual Field Experiment}}
		,
	author={{
			GBarboni
		} and {
			ACassar
		} and {
			RATrejo
		} and {
			BWydick
		}}
		
		
		
	
	
		,
	journal={{Journal of Economic and Management}}
		
			9
			2
			
			,
	year={2013}
		
	

}

@incollection{b7,
	
	
		,
	title={{Investigating the Buy Sides Adoption Decision for Technology Driver Execution Opportunities: An Extension of TAM for an Organizational Adoption Context}}
		,
	author={{
			EBartholomaus
		} and {
			RMayer
		}}
		
	
	
		,
	journal={{Journal of Marketing}}
		
			63
			2
			
			,
	year={2010}
		
	

}

@incollection{b8,
	
	
		,
	title={{Consumer Behavior as Risk Taking: Paper Presented at the Dynamic Marketing for a Changing World}}
		,
	author={{
			RABauer
		}}
	
	
		,
	booktitle={{Proceedings of the 43rd Conference of the}}
				the 43rd Conference of the
		
			,
	publisher={American Marketing Association}
			,
	year={1960}
		
	

}

@incollection{b9,
	
	
		,
	title={{Social Distance and Other-Regarding Behavior in Dictator Games}}
		,
	author={{
			IBohnet
		} and {
			BFrey
		}}
		
	
	
		,
	journal={{American Economic Review}}
		
			89
			1
			
			,
	year={1999}
		
	

}

@book{b10,
	
	
		,
	title={{Dar es Salaam as a Harbour of Peace in East Africa: Tracing the Role of Creolized Urban Ethnicity in Nation State Formation}}
		,
	author={{
			FDBryceson
		}}
		
			,
	year={2010}
			19
			
		
		
			United Nation University, World Institute for Development Economic Research
		
	

}

@book{b11,
	
	
		,
	title={{Quantitative Data Analysis with SPSS Release 10 for Windows}}
		,
	author={{
			ABryman
		} and {
			DCramer
		}}
		
		
			,
	year={2001}
			,
	address={Rutledge, London}
		
	

}

@incollection{b12,
	
	
		,
	title={{Research Design Effects on the Reliability of Rating Scales: A Meta-Analysis}}
		,
	author={{
			GChurchill
		} and {
			JPeter
		}}
		
	
	
		,
	journal={{Journal of Marketing Research}}
		
			21
			1
			
			,
	year={1984}
		
	

}

@book{b13,
	
	
		,
	title={{Society, Religion and History: Central East Tanzania and the World they Created}}
		,
	author={{
			RMConzales
		}}
		
			,
	year={2005}
		
	
	,
	note={200 BCE to 1800 EE}

}

@book{b14,
	
	
		,
	title={{First Course in Factor Analysis}}
		,
	author={{
			ALComrey
		} and {
			HBLee
		}}
		
		
			,
	year={1992}
			,
	publisher={Lawrence Erlbaum Associates}
			,
	address={Hillsdale, NJ}
		
	
	,
	note={Second Edition}

}

@book{b15,
	
	
		,
	title={{Risk Taking and Information Handling in Consumer Behavior, Paper Presented at the Risk Taking and Information Handling in Consumer Behavior}}
		,
	author={{
			DFCox
		}}
		
			,
	year={1967}
			,
	address={Boston, MA}
		
	

}

@book{b16,
	
	
		,
	title={{Proceedings of the 36th Hawaii International Conference on System Science}}
				the 36th Hawaii International Conference on System Science
		
			
		
		
			of Perceived Risk ; Washington State University
		
	

}

@incollection{b17,
	
	
		,
	title={{GM Foods and the Misperception of Risk Perception}}
		,
	author={{
			GGaskell
		} and {
			NAllum
		} and {
			WWager
		} and {
			NKronberger
		} and {
			HTorgersen
		} and {
			JHamper
		} and {
			JBardes
		}}
		
		
		
		
		
		
	
	
		,
	journal={{Risk Anal}}
		
			24
			1
			
			,
	year={2004}
		
	

}

@incollection{b18,
	
	
		,
	title={{The Influence of Perceived Risks on Banking Managers' Intention to Outsource Business Processes: A Study of the German Banking and Finance Industry}}
		,
	author={{
			HGewald
		} and {
			KWüllenweber
		} and {
			TWeitzel
		}}
		
		
	
	
		,
	journal={{Journal of Electronic Commerce Research}}
		
			7
			2
			
			,
	year={2006}
		
	
	,
	note={JECR)}

}

@incollection{b19,
	
	
		,
	author={{
			MGhatak
		} and {
			TGuinnane
		}}
		
	
	
		,
	booktitle={{The Economics of Lending with Joint Liability: Theory and Practice}}
				
			,
	year={1999}
			60
			
		
	

}

@incollection{b20,
	
	
		,
	title={{Group versus Individual Liability: Long Term Evidence from Philippine Microcredit Lending Groups, Economic Growth Center}}
		,
	author={{
			XGiné
		} and {
			DSKarlan
		}}
		
	
	
		,
	booktitle={{Group versus Individual Liability: A Field Experiment in the Philippines, Unpublished Paper, Innovation for Poverty Action and Jameel Poverty Action Lab}}
				,
	editor={
			Philippines
			XGiné
			DSKarlan
		}
		Philippines
		
			,
	year={2010. 2011}
			
		
	
	,
	note={Discussion Paper 970}

}

@book{b21,
	
	
		,
	title={{Multivariate Data Analysis}}
		,
	author={{
			JHair
		} and {
			BBlack
		} and {
			BBabin
		} and {
			REAnderson
		} and {
			RLTatham
		}}
		
		
		
		
		
			,
	year={2005}
			,
	publisher={Prentice Hall, Inc. Englewood Cliffs}
			,
	address={New Jersey}
		
	
	,
	note={Sixth Edition}

}

@book{b22,
	
	
		,
	title={{What"s Wrong with Microfinance?}}
		,
	author={{
			MHarper
		}}
		,
	editor={Dichter T., and Harper M.}
		
			,
	year={2007}
			,
	publisher={Practical Action Publishing}
			
			,
	address={East Bourne}
		
	
	,
	note={What"s Wrong with Groups?}

}

@incollection{b23,
	
	
		,
	title={{Conceptualizing the Influence of Lead Users and Opinion Leaders on Accelerating the Rate of Innovation Diffusion}}
		,
	author={{
			SHassan
		} and {
			MMourad
		} and {
			ATolba
		}}
		
		
	
	
		,
	journal={{Int. J. Technology Marketing}}
		
			5
			3
			
			,
	year={2010}
		
	

}

@incollection{b24,
	
	
		,
	title={{Structural Equation Modeling}}
		,
	author={{
			RHHoyle
		} and {
			Panter
		}}
		
	
	
		,
	booktitle={{Relation to AMOS Software}}
				CA
		
			,
	publisher={Sage Publications, Inc. Thousand Oaks}
			,
	year={1995}
		
	

}

@book{b25,
	
	
		,
	title={{Kinga: A History of Modern Tanzania}}
		,
	author={{
			JIliffe
		}}
		
			,
	year={2008}
			,
	address={Tanzania}
		
	
	,
	note={Report}

}

@book{b26,
	
	
		,
	title={{Components of Perceived Risk, Paper Presented at the 3rd Annual Conference of the Association for Consumer Research, Association for Consumer Research}}
		,
	author={{
			JJacoby
		} and {
			LBKaplan
		}}
		
		
			,
	year={1972}
			,
	address={College Park, MD, USA}
		
	

}

@book{b27,
	
	
		,
	title={{LISREL 8: A Guide to the Program and Applications}}
		,
	author={{
			KGJoreskog
		} and {
			DSorbom
		}}
		
		
			,
	year={1993}
			,
	publisher={SPSS Inc. Chicago}
		
	

}

@book{b28,
	
	
		,
	title={{Measuring Model Fit, Unpublished Paper}}
		,
	author={{
			DAKenny
		}}
		
			,
	year={2012}
		
		
			University of Connecticut
		
	

}

@book{b29,
	
	
		,
	title={{Risk Taking: A Study in Cognition and Personality}}
		,
	author={{
			NKogen
		} and {
			MAWallack
		}}
		
		
			,
	year={1964}
			,
	publisher={Holt Rinehart and Winson}
			,
	address={New York}
		
	

}

@book{b30,
	
	
		,
	title={{Is Group Lending a Good Enforcement Scheme for Achieving High Repayment Rates? Evidence from Field Experiments in Vietnam, Unpublished Paper}}
		,
	author={{
			HKono
		}}
		
			,
	year={2006}
			
		
		
			Institute of Developing Economies (IDE), JETRO, Japan
		
	

}

@incollection{b31,
	
	
		,
	title={{Are Three-point Scales Always Good Enough}}
		,
	author={{
			DLehmann
		} and {
			JHulbert
		}}
		
	
	
		,
	journal={{Journal of Marketing Research}}
		
			9
			4
			
			,
	year={1972}
		
	

}

@incollection{b32,
	
	
		,
	title={{Increasing Trust in Mobile Commerce through Design Aesthetics}}
		,
	author={{
			YMLi
		} and {
			YSYeh
		}}
		
	
	
		,
	journal={{Computers in Human Behavior}}
		
			26
			1
			
			,
	year={2010}
		
	

}

@book{b33,
	
	
		,
	title={{Integrating Trust and Risk Perceptions in Business to Consumer Electronic Commerce with the TAM, Unpublished Paper, School of Information Systems}}
		,
	author={{
			HLui Kit
		} and {
			RJamieson
		}}
		
		
			,
	year={2010}
			
			,
	address={Sydney, Australia}
		
		
			Technology and Management, University of New South Wales
		
	

}

@incollection{b34,
	
	
		,
	title={{Extending the Technology Acceptance Model to Account for Social Influence: Theoretical Bases and Empirical Validation}}
		,
	author={{
			YMalhotra
		} and {
			DFGalletta
		}}
		
	
	
		,
	booktitle={{Proceedings of the Thirty-Second Annual Hawaii International Conference on System Sciences}}
				the Thirty-Second Annual Hawaii International Conference on System Sciences
		
			,
	publisher={IEEE}
			,
	year={1999}
			I
			1006
		
	

}

@incollection{b35,
	
	
		,
	title={{Theory of Joint Liabilities, Adverse Selection, Assortive Matching and Self Financing}}
		,
	author={{
			RMaurya
		}}
	
	
		,
	journal={{Journal of Economics Res}}
		2229 - 6158
		
			2
			5
			
			,
	year={2011}
		
	

}

@book{b36,
	
	
		,
	title={{Swahili: Idiom and Identity of an African People}}
		,
	author={{
			AMMazrui
		} and {
			INShariff
		}}
		
		
			,
	year={1994}
			,
	publisher={African World Press}
			,
	address={Trenton}
		
	

}

@book{b37,
	
	
		,
	author={{
			JPMeyer
		} and {
			NJAllen
		}}
		
		,
	title={{Commitment in the Workplace: Theory, Research, and Application}}
				Thousand Oaks, CA
		
			,
	publisher={Sage Publications}
			,
	year={1997}
		
	

}

@incollection{b38,
	
	
		,
	title={{Consumer Perceived Risk: Conceptualizations and Models}}
		,
	author={{
			VWMitchell
		}}
	
	
		,
	journal={{European Journal of Marketing}}
		
			33
			1
			
			,
	year={1999}
		
	

}

@incollection{b39,
	
	
		,
	title={{Internet Privacy and Security: An Examination of Online Retailer Disclosures}}
		,
	author={{
			ADMiyazaki
		} and {
			AFernandez
		}}
		
	
	
		,
	journal={{Journal of Public Policy and Marketing}}
		
			19
			1
			
			,
	year={2001}
		
	

}

@book{b40,
	
	
		,
	title={{Trust and Security in E-banking Adoption in Romania, Communication of the IBIMA}}
		,
	author={{
			MLMoga
		} and {
			MKNor
		} and {
			MNeculita
		} and {
			NKhani
		}}
		
		
		
		ID 583012
		
			,
	year={2012}
			
			,
	address={Unpublished Paper, IBIMA, Romania}
		
	

}

@incollection{b41,
	
	
		,
	title={{Disciplining or Protecting the Poor: Avoiding the Social Costs of Peer Pressure in Micro-Credit Schemes}}
		,
	author={{
			RMontgomery
		}}
	
	
		,
	journal={{Journal of International Development}}
		
			8
			2
			
			,
	year={1996}
			,
	publisher={Chichester}
		
	

}

@book{b42,
	
	
		,
	title={{Teaching a Man to Fish: Micro Loans as a Tool for Economic Development}}
		,
	author={{
			JMoore
		}}
		
			,
	year={1997}
			,
	address={Bangladesh}
		
	
	,
	note={Report}

}

@book{b43,
	
	
		,
	title={{Voices of the Poor: Poverty and Social Capita in Tanzania, Environmentally and Socially Sustainable Development Studies and Monograph Series}}
		,
	author={{
			DNarayan
		}}
		
			,
	year={1997}
			20
			22
			,
	address={World Bank, Washington DC}
		
	
	,
	note={Report}

}

@incollection{b44,
	
	
		,
	title={{Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model}}
		,
	author={{
			PAPavlou
		}}
	
	
		,
	journal={{International Journal of Electronic Commerce}}
		
			7
			3
			
			,
	year={2003}
		
	

}

@incollection{b45,
	
	
		,
	title={{An Investigation of Perceived Risk at the Brand Level}}
		,
	author={{
			JPPeter
		} and {
			MJRyan
		}}
		
	
	
		,
	journal={{Journal of Marketing Research}}
		
			13
			1
			
			,
	year={1976}
		
	

}

@book{b46,
	
	
		,
	title={{Diffusion of Innovations}}
		,
	author={{
			ERogers
		}}
		
			,
	year={1983}
			,
	publisher={Free Press}
			,
	address={New York}
		
	
	,
	note={Third Edition}

}

@incollection{b47,
	
	
		,
	title={{Perceived Risk: Further Consideration for the Marketing}}
		,
	author={{
			RNStone
		} and {
			KGronhaug
		}}
		
	
	
		,
	journal={{European Journal of Marketing}}
		
			27
			3
			
			,
	year={1993}
		
	

}

@book{b48,
	
	
		,
	author={{
			AStrauss
		} and {
			JCorbin
		}}
		
		,
	title={{Basics of Qualitative Research: Techniques and Procedures for Developing Grounded Theory}}
				Thousand Oaks, CA R2107
		
			,
	publisher={Sage Publications}
			,
	year={1998}
		
	
	,
	note={Second Edition}

}

@book{b49,
	
	
		,
	author={{
			RSugden
		} and {
			AWilliams
		}}
		
		,
	title={{Principles of Practical Cost -Benefit Analysis}}
				London
		
			,
	publisher={Oxford University Press}
			,
	year={1983}
		
	

}

@incollection{b50,
	
	
		,
	title={{Qualitative Research into Nurse Decision Making: Factors for Consideration in Theoretical Sampling}}
		,
	author={{
			CThompson
		}}
	
	
		,
	journal={{Qualitative Health Research}}
		
			9
			6
			
			,
	year={1999}
		
	

}

@book{b51,
	
	
		,
	title={{Regions Social Economic Profile}}
		
			,
	year={2012}
			,
	address={Tanzania}
		
		
			URT
		
	

}

@incollection{b52,
	
	
		,
	title={{The Social Influence Model of Technology Adoption}}
		,
	author={{
			SAVannoy
		} and {
			PPalvia
		}}
		
	
	
		,
	journal={{Communications of the ACM}}
		
			53
			6
			
			,
	year={2010}
		
	

}

@incollection{b53,
	
	
		,
	title={{Zaramo: Tanzania Notes and Records}}
		,
	author={{
			CVelten
		}}
	
	
		,
	journal={{Journal of the Tanzania Society}}
		
			77
			2
			
			,
	year={2002}
		
	
	,
	note={Puguhills}

}

@incollection{b54,
	
	
		,
	title={{Axiomatic Measures of Perceived Risk: Some Tests and Extensions}}
		,
	author={{
			EVWeber
		} and {
			WPBottom
		}}
		
	
	
		,
	journal={{Journal of Behavior Decision Making}}
		
			2
			1
			
			,
	year={1989}
		
	

}

@incollection{b55,
	
	
		,
	title={{The Effect of Social Capital on Group Loan Repayment: Evidence from Field experiments}}
		,
	author={{
			B;Wydick
		} and {
			LCrowley
		} and {
			ACassar
		}}
		
		
	
	
		,
	booktitle={{Blackwell publishing, 9600 Garsington road, Oxford OX4 2DQ, UK and 350 Main Street}}
				Malden, MA 02148, USA
		
			,
	year={2007}
			117
		
	

}

@incollection{b56,
	
	
		,
	title={{Micro-Lending in the Russian Federation}}
		,
	author={{
			CPZeitinger
		}}
	
	
		,
	booktitle={{Small Business in Transition Economies}}
				,
	editor={
			JLevitsky
		}
		Rutledge, London
		
			,
	year={1996}
			
		
	

}

@incollection{b57,
	
	
		,
	title={{Influence of Perceived Risk and System Usability on the Adoption of Mobile Banking Service}}
		,
	author={{
			ZhihongLi
		}}
	
	
		,
	booktitle={{Proceedings of the Third International Symposium on Computer Science and Computational Technology}}
				the Third International Symposium on Computer Science and Computational Technology
		
			,
	year={2010}
			
		
	

}