This study examined the moderating role of entrepreneurial training in assessing the relationship between loan accessibility and the livelihood status of fish vendors supported by Local Government Authorities’ (LGAs) microcredit schemes in Tanzania. A quantitative, explanatory research design was adopted, and data were collected from 354 fish vendors using a structured questionnaire. Respondents were selected through a combination of stratified and simple random sampling. Data analysis employed Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings revealed that microcredit had a positive and significant impact on the livelihoods of the fish vendors. Moreover, entrepreneurial training significantly enhanced the positive effect of loan accessibility on fish vendors’ livelihood status. The study recommends that LGAs and policymakers integrate structured entrepreneurial training and offer specialized training addressing fish vending business modules into microcredit programs to make them impactful to the livelihood of beneficiaries.
Buswelu et al. (2026) studied this question.