{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2022,5,6]],"date-time":"2022-05-06T21:40:48Z","timestamp":1651873248317},"reference-count":34,"publisher":"IGI Global","issue":"2","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2018,7,1]]},"abstract":"<p>This article describes how loan monitoring tools are integrated applications designed to help Micro Finance Institutions (MFIs) to improve efficiency and effectiveness in loan collection. The task of loan monitoring is monumental to loan officers, forcing them to travel long distances to serve a large number of customers leading to ineffective use of time and money. For that reason, it is of great advantage to have an integrated system that can manage their business with the click of the mobile phone button, allowing MFI and MB to concentrate on their day to day business operations. The application is expected to provide an easy way to track loans and collections from micro businesses owners as well as improving transparency through provision of customers' report. The study conducted through in-depth literature review, interviews, focus group discussion and questionnaire. All this allowed end user participatory approach for good insight to the solution. The data was analyzed through the coding approach (qualitative approach). The test performance through a white and black box was designed and conducted MFI premises.<\/p>","DOI":"10.4018\/ijictrame.2018070104","type":"journal-article","created":{"date-parts":[[2018,4,16]],"date-time":"2018-04-16T13:05:15Z","timestamp":1523883915000},"page":"48-66","source":"Crossref","is-referenced-by-count":0,"title":["Mobile Phone"],"prefix":"10.4018","volume":"7","author":[{"given":"William Clifford","family":"Gomera","sequence":"first","affiliation":[{"name":"College of Business Education (CBE), Dar es Salaam, Tanzania & School of Computing, University of Eastern Finland (UEF), Joensuu, Finland"}]},{"given":"George S.","family":"Oreku","sequence":"additional","affiliation":[{"name":"Department of Information and Communication Technologies, The Open University of Tanzania (OUT), Dar es Salaam, Tanzania; North West University, Vanderbijlpark, South Africa; & School of Computing, University of Eastern Finland (UEF), Joensuu, Finland"}]}],"member":"2432","reference":[{"key":"IJICTRAME.2018070104-0","doi-asserted-by":"publisher","DOI":"10.1257\/jep.24.3.207"},{"key":"IJICTRAME.2018070104-1","doi-asserted-by":"crossref","unstructured":"Andrianaio, M., & Kpodar, K. 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