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Yusuph Iddi is an emerging researcher, auditor, and founder of the Ardhi Foundation. He serves as an Associate Auditor at Ernst & Young Tanzania, where he works on audit and financial reporting engagements across diverse sectors.
His research focuses on the intersection of valuation, financial reporting, sustainability, artificial intelligence, and economic development. His work explores how emerging technologies and ESG principles can strengthen professional practice, improve market transparency, and enhance investment confidence in Tanzania and across Africa. He holds a background in valuation and conducted research at Ardhi University on the adoption of ESG considerations in valuation practice among registered valuers in Tanzania.
Through the Ardhi Foundation, he advocates for evidence based policy, professional excellence, and sustainable development. His writing examines the role of institutions, technology, and governance in building more efficient markets and resilient economies.
New EY report shows banking assets surged 24.5% to TZS 77.4 trillion, yet industry faces pressure on margins, capital adequacy, and the urgent need for digital transformation
The Evergrande saga I wrote about earlier is not a Chinese anomaly. It is a particularly loud thunderclap in a global storm. When a developer with liabilities twenty times the size of Tanzania’s national budget collapses under the weight of its own leverage, it reminds every market that real estate prices are not suspended by prayer. They rest on credit, income, and confidence. All three are now under pressure worldwide, and East Africa is not shielded.
A 2022 Ardhi University survey of 50 Tanzanian registered valuers found strong willingness to adopt ESG and AI-assisted methods but no enabling conditions. Tanzania's valuation profession still relies on manual sales comparisons, rebuild-cost estimates, and income capitalisation, missing the green premiums and climate-risk adjustments that now move global capital. The result is higher borrowing costs, suppressed credit for small businesses, and a credibility gap with international investors. Three institutional changes, mandatory ESG training through the VRB, shared digitised property databases, and targeted AI pilots in selected municipalities, would close the gap without requiring large upfront investment.