Abstract:
I would like to express my deepest gratitude to all those who contributed to the
successful completion of this research. First and foremost, I extend my heartfelt
thanks to my supervisor, Prof. Saganga Kapaya, for his unwavering support,
guidance, and mentorship throughout this journey. Your insightful feedback and
encouragement have been instrumental in shaping this study and enhancing its
quality.
I am also grateful to my colleagues and peers who provided valuable insights and
assistance during the research process. Your collaboration and encouragement made
this experience not only productive but also enjoyable. I would like to thank the
businesses and individuals in Njombe Town Council who participated in this study;
your willingness to share your experiences and insights has enriched this research and
made it relevant to our local context.
A special acknowledgment goes to my wife, whose love and understanding have been
my greatest source of strength. Thank you for your patience during the long hours I
spent working on this project, and for always believing in me. To my two sons, your
laughter and joy remind me of what truly matters in life. I dedicate this work to you,
hoping it inspires you to pursue your dreams with passion and determination. Finally,
I
would like to thank my family and friends for their unwavering support and
encouragement throughout this endeavor. Your belief in me has kept me motivated
and focused on achieving this milestone.
