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Recent Submissions
CUSTOMERS PERCEPIONS AND THEIR CHOICES OF FUEL STATIONS IN UGANDA. ACASE STUDY OF JINJA IGANGA HIGHWAY
(Uganda Christian University, 2025-09-15) REBECCA NANJIYA
The objective of the research was to investigate how consumers' perceptions interact with the
fuel stations they attend on Uganda's Jinja-Iganga highway. Using a mixed-methods study to
both collect quantitative and qualitative data, this research investigates the impact of perceived
service quality, price, and location on consumers' decisions.
The findings support the premise that all three variables service quality, price, and location are
important in influencing consumer choice. The customers value courtesy and politeness of
service, reasonable speed of service, and highly knowledgeable staff, all of which contribute to
creating a positive perception of quality. Price is significant, and many consumers are ready to
go to another station due to low price, though they also value reasonable and competitive pricing.
In addition, accessible location, easy accessibility, and pleasant physical appearance were all
found to be significant in order to attract and retain customers.
The study determines that gas stations along this highway must strategically focus on these three
variables in a bid to acquire and maintain competitive advantage. The managers are advised to
prioritize employees' training, adopt competitive prices policy, and optimize the physical
configuration of their stations, the report says. It is suggested that future studies can broaden the
geographical coverage and consider other variables including brand loyalty schemes and non-
fuel services' impact.
Impact of Financial literacy on financial performance of smes in mukono district
(Uganda Christian University, 2025) Tracy Akumu
This study examines the impact of financial literacy on the financial performance of youth-led Small and Medium Enterprises (SMEs) within a 5-km radius of Uganda Christian University (UCU) in Mukono District, Uganda. Employing a descriptive research design, data were collected from 71 respondents (77.2% response rate) out of a planned sample of 92, including 51 owners, 14 managers, and 6 holding both roles, across 120 SMEs in retail (40.8%), services (28.2%), agriculture (21.1%), and manufacturing (8.5%). Using structured questionnaires, the study assessed financial literacy components—knowledge, attitudes, and behaviors—and their effects on profitability, liquidity, and access to credit. Findings indicate moderate financial literacy (mean = 3.4/5), with knowledge (mean = 3.59) significantly enhancing profitability by 18% (r = 0.62, p < 0.05), attitudes (mean = 3.29) improving liquidity by 15% (r = 0.51, p < 0.05), and behaviors (mean = 3.17) increasing loan approvals by 25% (r = 0.45, p < 0.05). Multiple regression analysis confirmed a significant positive relationship (R² = 0.568, p < 0.05), with financial attitudes (β = 0.4154, p < 0.001) and knowledge (β = 0.3266, p = 0.004) as the strongest predictors, while behaviors (β = 0.0533, p = 0.566) were less significant in the composite model. Retail SMEs outperformed others due to student-driven demand, while challenges like competition from Kampala, seasonal fluctuations tied to UCU’s academic calendar, and limited training (only 36% of owners trained) were evident. Grounded in Human Capital Theory, Resource-Based Theory, and Financial Socialization Theory, the study rejects the null hypothesis, affirming financial literacy’s role in SME success. Recommendations include community-based budgeting workshops, savings-focused programs, and digital record-keeping training to address knowledge gaps and gender-specific barriers, particularly for women-led SMEs (40.8% of respondents), who face collateral constraints. Future research should explore longitudinal, sector-specific, and gender-focused impacts to enhance SME sustainability in peri-urban contexts like Mukono.
Effect of a Parent’s Chronic Illness Diagnosis on the Psychosocial Well-being of Children in Bugobero Town Council, Manafwa District
(Uganda Christian University, 2025-08-19) Nabwire Monica
The prevalence of uninterrupted and exceedingly low psychosocial wellbeing of children has continued to attract global attention as one of the most serious socio-economic problem that require addressing. This study sought to determine the effect of a parent’s chronic illness diagnosis on psychosocial wellbeing of children in Bugobero Town council, Manafwa District. And three specific objectives guided the study which included a) To explore the various chronic diseases that exist in Bugobero Town council, Manafwa District b) To determine the effect of a parent’s chronic illness diagnosis on psychosocial wellbeing of children in Bugobero Town council, Manafwa District and c) To determine interventions for reducing the effect of the effect of a parent’s chronic illness diagnosis on psychosocial wellbeing of children in Bugobero Town council, Manafwa District. The study used qualitative case study design to analyse data from the study area with the help of both qualitative and quantitative methods. The researcher collected data from 15 respondents in the study area who were selected using simple random and purpose sampling and questionnaires together with interview guide were used to collect data. The study found that HIV/AIDS is a prevalent chronic disease. Others included diabetes, heart disease and stroke are a common chronic disease today. Findings also revealed that children whose parents are chronically ill are more likely to show internalizing problems like anxious, depressed, and withdrawn behaviors and somatic complaints usually experience the potential negative impact of insecure attachment. Also parental chronic illness was associated with higher levels of adolescent stress and increased risk of reduced family functioning and social-emotional and behavioral problems in children. It was also discovered that parental chronic illness can compromise a parent’s ability to care. Findings further indicate that improving attachment between parents and peers can mitigate the risk of future mental health problems, including internalizing problems and public health programs are effective in reducing mortality rates associated chronic illness and enhancing psychosocial wellbeing of children. Findings also show that promoting interaction between well-intentioned policy and health services on the one hand, and patients and their families on the other is seldom a seamless process and prevention is effective in reducing the effect of chronic conditions; in particular, early detection results in less severe psychosocial outcomes. The study recommended that government and stakeholders should sensitize the community of the dangers of a parent’s chronic illness diagnosis on psychosocial wellbeing of children and in conjunction with local leaders should put in place measures that enhance psychosocial wellbeing of children. There is need to strengthen family relationships. This will go a long way in mitigating problems a parent’s chronic illness diagnosis on psychosocial wellbeing of children.
The Effects of Student Loans on Learners’ Well-being in Khabutoola Sub-county in Manafwa District
(Uganda Christian University, 2025-08-19) Muketsi Robert
This study explored access by learners of Khabutoola sub-county to student’s loans and the impact it has on leaner’s well-being. The purpose of the study was to find out whether these rural learners of Khabutoola sub-county accessed student’s loans and how such access impacted their well-being which was examined in the social, economic, mental and physical contexts. Literature was reviewed to ascertain what exists about student loans, however, most of the literature discussed developed countries whose loan systems seem to be too advanced for countries in the developed world, justifying this case study. The study was qualitative using in-depth interviews, focus group discussions, and key informants. The study found that access to student’s loans the rural learners of Khabutoola was not very significant to bring about recognized improvement in the lives of the learners because it had many negative impacts on their well-being. It was revealed during the study that students also borrowed from institutions such as the Savings and Credit Cooperative Organizations (SACCOs) and the Village Savings and Loans Associations (VSLAs and some financial institutions. The findings imply that the government and economic resource institutions should engage these student frameworks to improve learner’s access to student’s loans and be able to combat the hindrances to such loans and reduce the negative impact of the student’s loans on the learner’s well-being. Women achieve better life through the networks they have established with other group members, and with whom they share problems.
Impact of Parish Development Model on Poverty Alleviation in Masafu Ward, Busia District
(Uganda Christian University, 2025-08-19) Barasa Naphtael John
This research report was undertaken to investigate the impact of parish development model on poverty alleviation in Masafu ward, Masafu Town Council, Busia district and it was carried out with the help of three specific objectives, that is; to examine the impact of agricultural development on poverty alleviation in Masafu ward, to assess the effect of infrastructural development on poverty alleviation in Masafu ward, to evaluate the influence of financial inclusion on poverty alleviation in Masafu ward. The researcher used a sample size of 63 respondents and used questionnaires to collect data and later the data was analyzed using the statistical package for social sciences (SPSS). Results of the first objective showed that agricultural development has a significant effect on poverty alleviation in Masafu ward; 54% of the respondents were positive to the statement that access to credit enables farmers to invest in quality seeds, equipment, and technology, increasing productivity and income; 62% were positive to the statement that market. Linkages connect farmers to stable and fair markets, ensuring better prices and financial stability; 61% of the respondents were positive to the statement that education and training provide farmers with knowledge on best practices, improving efficiency and sustainability in farming. Results of the second objective revealed that infrastructural development has a significant effect on poverty alleviation in Masafu ward. Supported by the following responses; 56% of the respondents were positive to the statement that improved transport networks enhance access to markets, education, and healthcare, reducing costs and boosting economic opportunities, 80% of the respondents were positive to the statement that reliable electricity supply supports businesses, enhances productivity, and enables the use of modern technology in agriculture and industry. Results of the third objective showed that financial inclusion has a significant effect on poverty alleviation in Masafu ward. 62% forming the majority of respondents were positive to the statement that microfinance institutions provide small loans to entrepreneurs and farmers, helping them start or expand businesses and improve their livelihoods. There is need for the government and stakeholders to implement policies that support small-scale farmers and encourage agro-industrialization. Securing land tenure rights can empower farmers to invest in long-term agricultural projects. Expanding extension services and research on climate-smart agriculture enhances productivity while minimizing environmental degradation.
The Role Of Socio-cultural Factors In Promoting Modern Family Planning Methods Among Rural Women In Gweri Sub-county, Soroti District.
(Uganda Christian University, 2025-08-19) Odukatum Polycarp
ABSTRACT
The adoption and utilization of family planning services is still a global problem with governments still struggling to increase access and affordability. This study determined the role of socio-cultural factors in promoting modern family planning methods among rural women in Gweri sub-county. Specifically, the study analyzed the effect of religion on use of condoms as a modern family planning method in Gweri sub-county and assessed the effect of cultural beliefs on using pills as a modern family planning method in Gweri sub-county. The study also determined the effect of cultural values on using Intra-uterine devices as a modern family planning method in Gweri sub-county. The study used a mixed research approach using both qualitative and quantitative methods. Data was collected from 63 participants in the study area who were selected using purposive and simple random sampling techniques. Data was collected by use of self-administered questionnaires and interviews and then presented in frequency tables and data analysis was majorly by use of frequencies percentages, mean, average mean and standard deviation. The findings of the study shows that cultural beliefs that prevent women from making their own decisions negatively impact the implementation of family planning services and cultural beliefs and level of education affect usage of family planning methods and hence population increase, findings also show that Community beliefs determine individual childbearing preferences and sexual and reproductive behavior and people choose contraceptive methods that are commonly used in their community. Additionally, findings indicate that cultural beliefs that prevent women from making their own decisions negatively impact the implementation of family planning services and cultural beliefs and level of education affect usage of family planning methods and hence population increase. Findings further revealed that community beliefs determine individual childbearing preferences and sexual and reproductive behavior and people choose contraceptive methods that are commonly used in their community. Other findings revealed that cultural factors that can influence family planning discussions and cultural values guide interactions and these values can come into conflict with the values of a dominant cultural group and can fail family planning adoption. Even beliefs in some communities according to the finding view the use of contraception implies sexual promiscuity and cultural values affect decisions making on family planning adoption and this was revealed in the findings. The study recommended that government sand stakeholders should put in place reforms to address gender discrimination and involve men in family planning. Other recommendation includes increasing access to family planning services particularly to rural areas.
IMPACT OF GENERATION GAP ON CULTURE IN BUKYAMBI SUB-CUNTY, SIRONKO DISTRICT
(Uganda Christian University, 2025-08-19) NABUDUWA CATE
The phenomenon of generation gap has since the past decade continued to be identified by both policy makers and academia as a serious threat to our culture. Despite of this attention, no concerted national and international strategy has been put in place to address the problem. This study investigated the impact of generational gap on culture in Bukyambi Sub-County, sironko district. The stud reviewed literature connected to the topic and was guided by three objectives mainly; to explore the existing gas in culture and to determine the effect of generation gap on culture in Bukyambi Sub-County, Sironko district. The study also determines interventions for reducing on the effect of generational gap on culture in Bukyambi Sub-County, Sironko district. The study used qualitative case study design to analyze data from the study area with the help of both qualitative and quantitative methods. The researcher collected data from 15 respondents in the study area who were selected using simple random and purpose sampling and questionnaires together with interview guide were used to collect data. The study found that cultural differences in values and beliefs are cultural gaps that exist in culture. Other generational gaps are in communication, conflicts over parenting practices and clashes over family roles and expectations. Findings also revealed that that generation gap has affected communication in families and cultures and there is reduced child-parental interaction. Additionally, findings show that a larger mass of the older generation thinks that modern and liberal thoughts are not good for society and adolescents threaten the authority of parents, educators, and traditional institutions. Further, findings show that embracing and sharing traditions might help to close generation gap in cultures and fostering open communication as well as engaging in mutual learning opportunities and creating opportunities for one-on-one interaction and embracing cultural diversity is essential in closing generation gaps. The study recommended government and stakeholders should sensitize the community of the negative impact of generation gap on our culture and in conjunction with local leader, there is need for acknowledge awareness and develop a reward system for the contributions of all generations towards cultural transformation within communities as this is a powerful way to build trust and reinforce the value of each individual within the culture change process. Other recommendations included families and communities need to celebrate milestones and recognize achievements that reflect the collaborative efforts across generational lines. When people feel appreciated, they are more likely to buy into the new culture and work towards common goals and government and stakeholders should strengthen the capacity of cultural institutions involved in preserving and promoting our cultures.
EFFECT POVERTY ON SOCIAL ECONOMIC WELLBEING OF FAMILIES IN WEST DIVISION, SOROTI CITY
(Uganda Christian University, 2025-08-19) OLUPOT SILAS
The study will assess, “Effect poverty on social economic well-being of families in west
division, Soroti city”. The specific Objectives of the Study are; i) To find out factors contributing
to poverty in West Division in Soroti City, (ii) To determine the effect of poverty on social
economic wellbeing of families in West Division in Soroti City. The research design of the
study. Research Design that will be used is a case study design that has more of quantitate feel
and it will enable a researcher to generate a wealth of data, / information relating to effects of
social economic well- being of families in west division of Soroti city. Both questionnaire and
interview guide will be used. The Targeted population of 20 respondents from Soroti city will be
involved in the study, with a sample size of 18 – 34 respondents.
EFFECT OF LABOR ON GIRL CHILD EDUCATION IN MORUITA SUB COUNTY, NAKAPIRIPIRIT DISTRICT.
(Uganda Christian University, 2025-08-19) LOSIKE CHRISTINE
The study concentrated on the effect of labor on girl child education in Moruita Sub County
Nakapiripirit District. The study concentrated on three specific objectives of: To identify the
effects of poverty on school attendance in Moruita Sub County, Nakapiripiriti district, to identify
the effects of illiteracy on school dropout in Moruita Sub County, Nakapiripiriti district and
lastly to identify the relationship between child labor and school dropout in Moruita Sub County,
Nakapiripiriti district. The study used mixed research design and it considered a sample size of
108 respondents. Findings of the study showed that:Struggling to afford basic necessities is a
barrier for girls to prioritize education that the burden of financial insecurity leads to stress and
lack of concentration leading to girls drop out, that illiteracy has profound impacts on students
leading to higher rates of girls drop out. Furthermore, findings showed that girls raised in poverty
are not socially gracious leading to lack of ability to empathize with others thus drop out,
thatstruggle of girls for basic needs make them demotivated to continue with studies.
The findings of this study concluded that: struggling to afford basic necessities is a barrier for
girls to prioritize education, that the burden of financial insecurity leads to stress and lack of
concentration leading to girls drop out, that illiteracy has profound impacts on students leading
to higher rates of girls drop out and that labour affects education of girls even with free school
fees as they cannot go to school on time due to labour. The study had the following
recommendations: There is need for the Government to put strict laws against child labour in
order to reduce on dropout rates, there is need to sensitize the community on the dangers of child
labour on their academic performance and lastly there is need for the government to set up better
programmes that may encourage girl children to continue with school.
PARTICIPATION OF WOMEN WITH DISABILITIES IN GOVERNMENT POVERTY REDUCTION PROGRAMMMES IN KANYUM SUB-COUNTY, KUMI DISTRICT
(Uganda Christian University, 2025-08-19) AMONGIN LONA EDONGOT
The purpose of the study was to investigate the participation of women with disabilities in
Government poverty eradication programmes in Kumi Sub-County, Kanyum District The specific
objectives of the study were; to find out the existing Government poverty eradication programmes
in Kanyum Sub-County, the level of participation of women with disabilities in Government
poverty eradication programmes and the challenges faced by women with disabilities while
participating in Government poverty eradication programmes. The study used a descriptive
research design with a qualitative approach and it employed purposive sampling technique. A total
of 25 participants were involved in the study and these included; 20 persons with disabilities, 1
CDO and 4 local leaders. A semi-structured interview guide was used collect information from
participants.
The study revealed that the existing government poverty eradication programmes in Kanyum Sub
County are; Parish development models, Special Grant to persons with disabilities, Women
Entrepreneurship Programme (UWEP) and Social Assistance Grant for Empowerment (SAGE).
The study further revealed that the participation of women with disabilities in Government poverty
eradication programs is very low in Kanyum Sub-County. Majority of Participants stated that very
few of them take part in government poverty eradication programmes. It was established that the
major challenges experienced by women with disabilities while participating in Government
poverty eradication programs include; unmodified environment, negative attitudes towards women
with disabilities by ordinary people and implementers of government eradication programmes, too
much requirements for one to engage in the programme and programmatic factors such as
scheduling of activities in inconvenient time and places were that. The recommendations that came
out of the of the study were; sensitization of WWDs about Government poverty eradication
programmes, training implementers of Government poverty eradication how to handle WWDs,
modification of the environment in all public facilities so that WWDs can easily access all the
places including those where poverty eradication programmes are conducted from and WWDs
should form groups in order to benefit from poverty eradication programmes.
INFLUENCE OF SOCIO-ECONOMIC FACTORS ON FOOD INSECURITY IN IRIIRI SUB-COUNTY, NAPAK DISTRICT
(Uganda Christian University, 2025-08-19) AMONGIN GLORIA
This research report was undertaken to investigate the influence of socio-economic factors on food
insecurity in Iriiri sub-county, Napak district and the literature is reviewed according to the three
objectives which include; to establish the effect of household income levels on food availability
and accessibility in Iriiri Sub-county, to assess the influence of educational attainment on food
security strategies among households in Iriiri Sub-county, to examine the effect of employment
opportunities on the ability of households to sustain a stable food supply in Iriiri Sub-county. The
researcher used a sample size of 63 respondents and used questionnaires to collect data and later
the data was analyzed using the statistical package for social sciences (SPSS). Results of the first
objective showed that household income levels have a significant effect on food availability and
accessibility in Iriiri Sub-county; 62% were positive to the statement that poor households may
prioritize other basic needs over food, worsening accessibility; 61% of the respondents were
positive to the statement that inadequate income reduces the ability to transport food from markets
to homes. Results of the second objective revealed that educational attainment has a significant
effect on food security strategies among households in Iriiri Sub-county. Supported by the
following responses; 80% of the respondents were positive to the statement that educated
household heads are more likely to adopt modern farming techniques, increasing food production,
it can be observed that 57% were positive to the statement that households with higher education
are more likely to diversify income sources, strengthening food strategies. Results of the third
objective showed that employment opportunities have a significant effect on the ability of
households to sustain a stable food supply in Iriiri Sub-county. 62% forming the majority of
respondents were positive to the statement that job opportunities reduce dependency on food aid
by empowering families to meet their own food needs. There is need for the government to invest
in comprehensive economic empowerment programs targeting low-income households to improve
food availability and accessibility. This should start with strengthening vocational training and
creating more job opportunities, especially in rural and semi-urban areas where food insecurity is
most pronounced.
EFFECT OF SOCIO-ECONOMIC STATUS ON ACCESS TO MENTAL HEALTH SERVICES IN MBALE REGIONAL REFERAL HOSPITAL MBALE CITY
(Uganda Christian University, 2025-08-19) MASETTE ELSIE WOKURI
The research study concentrated on effect of socio-economic factors on access to mental
health services in Mbale Regional Referral Hospital, Mbale City. I used a descriptive
research methodology and it considered a sample size of 80 respondents. Study findings
revealed the following:
First and fore most study findings revealed that lower educational level is associated with
poor access to mental health services , that lower mental health services utilization is
associated with attitudinal reasons such as stigma surrounding mental health illnesses, that
mental health under utilization is associated with low educational levels. Additionally in line
with the second objective, study findings revealed that: Poverty is consistently linked with
poor and increased risk for psychological disorders among adults and their children, that
there is a relationship between middle income families with lower specialist treatment and
that access to psychologist services is more frequent in those with
high incomes as
compared to those with low incomes. Conclusively in line with the third objective, study
findings revealed that intervention on multiple aspects of mental health is a measure for
improving access to mental health services, that providing people with factual information
through education is an effective way for improving mental health service utilization and
lastly that adopting approaches with care and modifying them to poor countries for effective
use can improve mental health services utilization. Study findings concluded that: Mental
health service under utilization is associated with low educational levels, that lower mental
health service utilization is associated with attitudinal reasons such as stigma surrounding
mental health, that lower educational level is associated with poor access to mental health
services, that poverty is consistently linked with poor and increased risk for psychological
disorders among adults and their children and lastly that intervention on multiple aspects of
mental health is a measure for improving access to mental health services. The study further
recommended that: There should be more investments by different Governments in a
number of strategies to ensure effective access to mental health services, that there is need to
sensitize the community and people about the major causes of mental health illnesses, and
how they can be managed and prevented, and lastly that there is need for people to be
educated about the dangers associated with stereotyping on the causes of mental health.
EFEFCT OF SUBSTANCE USE ON YOUTHS IN WESTERN DIVISION KAPCHORWA MUNICIPALITY
(Uganda Christian University, 2025-08-19) YEKO SARAH
Substance among youths has continued uninterrupted and is one of the most serious challenges affecting global citizens, and, although a range of laws and policies have been put in place to deal with the phenomenon of youth substance abuse, these interventions lack budgetary appropriations and enforcement personnel. The explored the effect of substance on youths in Western Division, Kapchorwa Municipality. Specifically, the study explored the different types of substances that exist and their effects on youths in Western Division, Kapchorwa Municipality. The study also investigated the factors that contribute to substance use among the youths. The study used qualitative research approach and a case study design of 25 participants who include local officials, local people and law enforcement officers were interviewed. Purposive sampling was used to select study participants and data was collected from participants using interview method. The study findings show that different types of substances that exist and their responses included: heroin, cocaine, hallucinogens, amphetamines, marijuana and alcohol. Finding also show that youths who get involved in substance abuse tend to become violent in nature, the impact of illicit substances, crime and violence increases likelihood of lawlessness and illicit and licit substances including alcohol can be associated with aggression, different substances and illicit have increased criminal conducts among the youths. Other findings indicate that several factors contribute to substance abuse among the youths and these include curiosity, depression, peer influence and availability and easy access to substances. The study recommended that government and local leaders should undertake community sensitization against drug and substance misuse while local administrative units should formulate and implement laws that combat drug and substance abuse and this may help prevent crime related to drug use in short and long term. Other recommendations are: Medical establishments should offering specialized assistance and treatment therapy for persons with drug problems.
THE ROLE OF EARLY UPBRINGING OF CHILDREN ON THEIR LATER ACADEMIC ACHIEVEMENTS IN WESTERN DIVISION, TORORO MUNICIPALITY
(Uganda Christian University, 2025-08-19) AKWARE IRENE VIOLET
Upbringing of children has and continues to be one of the most challenging tasks of or times. Irrespective of its relationship to academic performance, the traditional modes of child upbringing have been curtailed. This study explored the role of early upbringing of children on their later academic achievements in Western Division, Tororo Municipality. Specifically, the study explored the various ways of upbringing children and the role of early upbringing of children on their later academic achievements in Western Division, Tororo Municipality. The study also determined appropriate interventions of early upbringing of children in Western Division, Tororo Municipality. The study used qualitative research approach and a case study design of 25 participants who include parents, teachers and pupils in primary schools were interviewed. Data was collected from participants using interview method. Study findings revealed that authoritarian upbringing is one of the ways through which children can be brought up. Others ways included authoritative, permissive and uninvolved upbringing. Findings also revealed that parents suffering from financial hardship are more likely to care about making ends meet rather than raising their children and children from divorced families have few chances for educational success. It is also that parent-child age differences influence achievements. The study also discovered that upbringing environment determines access and success in schooling. Additionally, the findings of the study revealed that improving behavioral Discipline Practices as a measure and utilizing the power of role models may help to enhance early upbringing of children as well as improving physical health and safety of children will help to address gaps in early upbringing of children. The study recommended that government and stakeholders should sensitize the community of the most appropriate ways of early child upbringing and put in place measures that enhance academic performance of all children irrespective of family background. Other recommendation implementing a range of mechanisms and strategies, there is need to strengthen child rights protection by government and stakeholders in family systems.
ACCOUNTING CONCEPTS AND DECISION MAKING IN FINANCIAL INSTITUTIONS: A CASE STUDY OF RUKIGA SACCO
(UGANDA CHRISTIAN UNIVERSITY, 2025-10-13) KYOMUGISHA WITNESS
ABSTRACT
The study took into account decision making and accounting ideas in financial institutions
case study of Rukiga SACCO. It was based on the following concrete Objectives; to
examine the influence of reliability on financial institutions decision making at Rukiga
SACCO, to research the influence of completeness on financial institutions decision
making at Rukiga SACCOSACCO and to ascertain the relation between concepts of
accounting and financial institutions decision making at Rukiga SACCO. It employed a
mixed-methods study that synthesized both qualitative and quantitative approaches.
This study used a case study research design. The study was conducted among the
employees, SUPCO members and Board members of Rukiga SACCO. The researcher used
70 respondents from the total population of 85 Rukiga SACCO stakeholders. Among the
sampled respondents, 52 were employees, 16 were SUPCO members and 17 were Board
members. The study employed both non-probability and purposive sampling design with
the quota sampling technique. Slovene sample size calculation method was used in order
to obtain the required sample. The researcher made use of questionnaires and interviews
as a tool or methodology through which information was gathered. Questionnaire
information was coded, keyed into computer utilizing Microsoft Excel computer
programme, then percentages and frequencies calculated. The findings indicated that
true financial statements indicate the actual financial standing and creditworthiness of
a borrower and this allows Rukiga SACCO to make realistic choices in lending, interest
and repayment period this was 21% of the respondents. The findings also indicated that
completeness in accounting for revenues and expenses allows Rukiga SACCO to
accurately determine profitability and operational efficiency as indicated by 24%.
Accounting principle dictates that revenues and expenses should be accounted for when
they are earned or incurred rather than when cash is expected to change hands as
indicated by 19% quoted. The researcher recommends that Rukiga SACCO should conduct
its accounting process from time to time in order to identify any flaws or loopholes that
would lead to poor financial data.
RISK MANAGEMENT PRACTICES AND RURAL DEVELOPMENT; A CASE STUDY OF KIBATSI SACCO LTD IN NTUNGAMO DISTRICT
(UGANDA CHRISTIAN UNIVERSITY, 2025-10-06) NUWAGABA MODERN
ABSTRACT
The study investigated the relationship between risk management practices and rural
development, focusing on KIBATSI SACCO Ltd in Ntungamo District. The objectives of
the study were: to investigate the role of risk management practices on member
satisfaction, to establish the effect of financial literacy programs on member
participation, and to examine the relationship between risk management and rural
development. A cross-sectional survey design was employed, utilizing both quantitative
and qualitative data from a sample of 80 respondents, including SACCO staff and
members. Findings revealed that risk management policies significantly enhance
member satisfaction by fostering a sense of financial security and trust. However, gaps
remain in staff training and policy clarity, limiting the full impact of risk frameworks.
The study also found that financial literacy programs positively influenced member
behavior, improving financial decision-making, savings discipline, and participation in
meetings. Nonetheless, the complexity of training materials poses a barrier to full
comprehension, particularly among members with lower educational backgrounds.
Furthermore, while many respondents linked risk practices to increased investment
confidence, only a few recognized their broader contribution to rural economic
development, indicating a lack of awareness and strategic integration. The study
concludes that effective risk management and financial education are crucial to
building a resilient and inclusive SACCO system that supports rural transformation. It
recommends strengthening staff capacity in risk management, simplifying training
content for better accessibility, and aligning SACCO risk strategies with rural
development goals to promote sustainable livelihoods and community growth.
CHURCH’S RESPONSE TO THE CHALLENGES FACED BY CHILDREN HAILING FROM BROKEN MARRIAGES IN VURRA ARCHDEACONARY, DIOCESE OF MADI WEST NILE: CASE STUDY OF FIVE CHURCHES
(Uganda Christian University, 2025-08-29) MADIRA ERIC
This study was conducted to examine churches response to challenges faced by children hailing in broken marriages. The objectives of the study were: to find out churches response to challenges faced by children hailing in broken marriages; to assess the initiatives and support structures of the Church aimed at assisting children from broken marriages in Vurra Archdeaconry, Diocese of Madi West Nile; and to establish strategies that Churches in Vurra Archdeaconry can implement to offer improved support for children from broken families in Diocese of Madi West Nile. The study used descriptive research survey design. Closed ended questionnaire and interviews were used for data collection. The study found that children hailing from broken marriages suffer emotional scars, which leads them to indulge in inappropriate behaviors such as substance abuse, sexual immorality, and difficulty in adapting to new family arrangements. It was further found that Churches offer counselling services and Sunday school teachings to children hailing in broken marriages. However, it was also found that churches do not offer donations to support the needy children. The study recommended that churches' response to challenges faced by children hailing from broken marriages needed to improve in terms of offering more counselling services, donations, and educational support programs.
AN ANALYSIS OF THE CHURCH’S RESPONSIBILITY ON THE SPIRITUAL NURTURE OF CHILDREN: A CASE STUDY OF ALERE PARISH, AMURIA ARCHDEACONRY, CHURCH OF UGANDA.
(Uganda Christian University, 2025-09-18) EYOKU VICENT
This study analyzed the Church’s Responsibility in the Spiritual Nurture of Children: A
Case Study of Alere Parish, Amuria Archdeaconry, Church of Uganda. The study was
guided by the following objectives; to establish the role of the church in spiritual
nurture of children in Alere Parish, to assess the challenges related to knowledge and
skills among clergy and church leaders in the spiritual nurture of children in Alere Parish
and to explore how collaborative efforts between parents and church leaders can
enhance the effectiveness of children’s spiritual nurture in Alere Parish. The study
adopted a case study research design and a qualitative approach. According to Creswell,
J.W. (2013), Qualitative research is a type of research that focuses on exploring and
understanding the meaning, experiences, and perspectives of individuals or groups1
The study revealed that in Alere Parish, the church utilized diverse strategies, such as
Sunday School with age-appropriate lessons, storytelling, music, drama, and visual aids,
to engage children and foster moral and spiritual growth. Programs like Children’s Day,
monthly fellowships, bi-weekly meetings, and baptism/confirmation classes provide
structured platforms for learning and community building. Parents were encouraged
through seminars to be primary spiritual nurturers, aligning with Ephesians 6:4.
Initiatives like Bible distribution and children’s choirs enhance Scripture access and
faith expression. However, challenges include inadequate age-appropriate teaching
materials, leading to reduced engagement when adult content is used.
THE ROLE OF GODPARENTS IN EDUCATING CHILDREN FOR HOLISTIC GROWTH; A STUDY OF NYARHODHO PARISH, DIOCESE OF NEBBI
(Uganda Christian University, 2025-10-06) EGATI ERIC
This study investigated the role of godparents in educating children for holistic growth and
development in Nyarwodho Parish, Goli Central Archdeaconry, and Nebbi Diocese. The
objectives of the study were, to examine the current practices of godparents in educating
children for holistic growth and development at Nyarwodho Parish, Nebbi Diocese. To
identify the challenges or problems that hinder effective god parenting in promoting holistic
child development. To explore the strategies employed by the church to address the
challenges faced by godparents in fulfilling their roles. The research was guided by the
concern that, while godparents are chosen during baptism to accompany children in the
Christian journey, their roles are often reduced to ceremonial participation with little follow
up. The study adopted a qualitative research approach, using interviews, focus group
discussions, and observations with godparents, parents, clergy, and educators.
The findings revealed that godparents play a significant role in spiritual mentorship,
nurturing children in prayer, Christian values, and participation in church life. They also
contribute to moral and social development by serving as role models, advisors, and
mediators, while offering educational encouragement and monitoring children’s academic
progress. Furthermore, godparents provide emotional and psychological support, serving as
confidants and companions in times of need. However, the study also identified challenges
including limited understanding of god parental responsibilities, financial constraints,
geographical distance, and lack of structured church guidance after baptism.
The study concluded that god parenthood was a lifelong vocation of discipleship and
stewardship, essential for the holistic development of children. It recommends that
godparents embrace their role with commitment, parents collaborate with them in nurturing
children, and the Church provide continuous training and recognition for godparents beyond
baptism. Strengthening the vocation of godparent hood will enable the Church and
community to raise children who are spiritually grounded, morally upright, socially
responsible, emotionally resilient, and educationally empowered.
THE IMPACT OF LEADERSHIP STYLES ON EMPLOYEE PERFORMANCE: A CASE STUDY OF CENTENARY BANK
(UGANDA CHRISTIAN UNIVERSITY, 2025-10-10) NYIRARUKUNDO ANITHA
This study examined the impact of leadership styles on employee performance at Centenary Bank. The objectives of the research were to identify the different types of leadership employed, assess employee performance levels, and propose strategies to improve leadership practices and overall performance within the organization. The study adopted a cross-sectional research design, targeting a population of 120 employees across managers, supervisors, and subordinate staff, with a sample size of 92 determined using Krejcie and Morgan’s (1970) table. Stratified random sampling and simple random sampling techniques were employed to select respondents, while data were collected using structured questionnaires. Both primary and secondary data sources were utilized, with primary data capturing employee perceptions on leadership styles transformational, transactional, democratic, autocratic, and laissezfaire and their effects on performance. Data were analyzed using descriptive and inferential statistics, including frequencies, percentages, means, standard deviations, and correlation analysis, and results were presented through tables, charts, and graphs. Findings revealed that transformational, transactional, and democratic leadership styles were predominantly practiced, with transformational leadership having the most significant influence on employee motivation, teamwork, innovation, and overall performance. Autocratic leadership was moderately applied, while laissez-faire leadership was least practiced. The study further identified strategies to enhance leadership effectiveness, including regular leadership training, participatory decisionmaking, reward and recognition systems, open communication channels, and mentorship programs. The study concludes that effective leadership positively impacts employee performance and recommends that Centenary Bank strengthen leadership practices to foster a motivated, productive, and committed workforce. Future research is suggested on the role of organizational culture, employee motivation, and job satisfaction in shaping leadership effectiveness.