Title of article 

Page 

The role of Human Capabilities in Economic Development

Prof. H.K.R Amani and Tausi Mbaga-Kida  

1

Abstract

Financial Institutions as a Facilitator of Economic Growth

Prof. Bonu, N.S. and Palaelo, S.P

  8

Abstract

The effects of Trade Liberalization on the Consumption Function in Morocco

K.M Casey, J.B Duncan, J.N Roge and S. Mehta  

23

Abstract

TQM in SME’s in Botswana: A Preliminary Investigation

Zelealem Tadesse Temtime 

29

Abstract

User needs in Tanzania’s Academic Institutions

Dr. M.P. Nyerembe 

43

Abstract

The Authenticity of the Recovered Original User Requirements in system

Re-Engineering

Kadida R. S. Mashaushi  

49

Abstract

The Dividend Payment Policies of Selected Listed Companies in Botswana

Ester Macharia and Beatrice Magembe 

53

Abstract

Determining the Optimum Level of Working Capital in the Cameroon Business Environment

Visemith, William Muffee  

69

Abstract

Finance and Development in Tanzania and Policy Implications for Rural

Development Banking

F. Ruhara 

83

Accounting and Control Systems in selected Small and Micro Enterprise in Botswana

C. R. Sathyamoorthi  

96