UCU Scholar
Welcome to the Uganda Christian University Scholar
It aims to collect, preserve and showcase the intellectual output of undergraduate students of UCU. This growing collection of research includes dissertations, Extended Essays, Past Exam Papers, Research Reports, and more.
- The Repository ingests documents, audio, video, datasets and their corresponding Dublin Core
- The aim is to open up this content to local and global audiences, with have optimized well for Google Scholar so your items here shows up on Google Scholar searches
- we also issue permanent urls and trustworthy identifiers, including optional integrations with handle.net and DataCite DOI
Not Registered? Click here to Register
For more information Visit any UCU Library
Communities in UCUScholar
Select a community to browse its collections.
Recent Submissions
An Assessment of Infidelity Among Married Couples in Soroti Parish, Soroti Archdeaconry in the Diocese of Soroti
(Uganda Christian University, 2025-05-21) Joshua Elimu
The study assessed infidelity among married couples in Soroti parish, Soroti archdeaconry in the Diocese of Soroti. The study was guided by the following objectives: To establish the causes of infidelity among married couples in Soroti parish, to identify the effects of infidelity among married couples in Soroti Parish and to establish the role of the church in mitigating infidelity among married couples in Soroti Parish.
The study adopted a descriptive survey research design and a qualitative approach. The researcher conducted interviews where the researcher asked questions based on the objectives that were posed to the respondents, and their answers were recorded. The study established that the reasons for infidelity among married couples in Soroti parish were generally encompassed emotional discontent, where one spouse may feel overlooked or unvalued; sexual incompatibility or differing levels of desire; ineffective communication leading to unfulfilled needs; opportunities and temptations, such as frequent interactions with others or situations that promote cheating; personal characteristics like impulsivity or a past of unfaithfulness; seeking revenge for real or perceived grievances; low levels of commitment or feelings of dissatisfaction with the relationship; societal or cultural attitudes that may implicitly condone extramarital relationships; and challenging life situations or crises that can weaken the bonds of marriage. Typically, these elements interact with one another, raising the chances of infidelity. Marital infidelity in Soroti Parish has had manifested effects that have impacted emotional health, social harmony, financial stability and physical wellbeing. Therefore, addressing these issues requires collaborative effort involving individuals, families, community leaders and the clergy.
The study concluded that the married couples in Soroti parish had experienced infidelity. The churches in Soroti parish had endeavored to adopt various interventions such as marital counseling program aimed at strengthening marital relations in families within the parish. The church leadership had also preached and taught about sanctity of marriage with the aim of healing the broken hearts and encouraging unity in families and the entire community.
EFFECT OF DIGITAL BANKING ON CONSUMER SATISFACTION
(Uganda Christian University, 2025-09-12) AKAO LILIAN
The study evaluated how customer satisfaction at the Opportunity Bank Mukono branch was affected by digital banking. The following goals served as the study's compass: to determine how customer satisfaction at Opportunity Bank Mukono Branch is impacted by the speed of digital transactions; to evaluate the impact of accessibility to digital banking on customer satisfaction at Opportunity Bank Mukono Branch; and to investigate the impact of digital banking's adaptability on customer satisfaction. The descriptive survey design was modified for the investigation. According to Amin (2005), the survey design is a technique that entails gathering data from members of a target population while taking into account the population's present situation in relation to the research variables The target population of this study was 125 and the sample size was 96. The results show that speed of digital transactions has a significant impact on consumer satisfaction (mean range: 3.73–4.06), with ease of transactions and round-the-clock access being important factors. Although there are obstacles to online banking, accessibility to digital banking has a significant impact on satisfaction (mean range: 3.68–3.98), especially through handy mobile banking. Digital banking's adaptability has a moderate impact on customer satisfaction (mean range: 3.35–3.61), with obstacles including complicated updates and low digital literacy lowering agreement. The Opportunity Bank Mukono Branch was advised to make an investment in a strong IT infrastructure in order to reduce transaction failures and network delays. In order to target underserved clients, the bank should also increase the number of mobile banking access points and collaborate with mobile money agents.
IMPACT OF SAVING HABITS ON FINANCIAL BEHAVIOUR OF UNIVERSITY STUDENTS
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) NAKALEMA JANE PATRICIA
This study aimed to explore how students’ saving habits influence their financial behaviors, focusing on BBA 3:2 Students 2022-2025. There were three specific objectives: to examine the relationship between saving habits and financial behavior among university students, to identify the factors that influence saving habits among students at Uganda Christian University, and to identify the problems affecting saving habits and financial behavior among university students, along with suggesting potential solutions. Through a cross-sectional research design approach, the researcher was able to understand the relationship between saving habits and financial behaviors among university students. The researcher received a total of 53 responses out of the 60 students expected to complete the survey. Therefore, the response rate was 88.3% (53/60). The high response rate indicated the students’ willingness to inform about their saving habits and financial behaviors. The researcher reports the findings using descriptive statistics, including mean, median, frequencies, and proportions of the different included variables. The mean (SD) age of the students was 25.5 (SD 3.34), with a composition of female (58.5%) and male (41.5%), specializing in finance (41.5%) and accounting (37.7%), management (15.1%), and marketing (5.7%). Approximately 75.5% reported having some money saved, with about 24.5% of the students having no money saved anywhere. Overall student’s responses indicated that almost all students (96.2%) either agreed or strongly agreed that having good saving habits helps them to manage their finances better, indicated by a high mean score of 4.5, with the majority of them agreeing (45.3%) or strongly agreeing (30.2%) that they regularly save money, which improves their overall financial behaviour. After conducting a bivariate correlation analysis test to check for the relationship between saving habits and financial behaviors, the correlation coefficient (R-Value) of 0.285 indicated that there was a significant weak positive relationship between saving habits and financial behaviors. Some problems that affected students’ saving habits and financial behaviors included unexpected expenses, difficulties encountered by students to save, lack of financial education or training for students, digital saving tools or campus programmes, issues with peer influence, students prioritizing immediate wants over long-term saving, and lack of income-generating opportunities for students.
Students suggested organizing savings awareness campaigns on campus (75.4%) and making saving easier through digital tools or on campus (54.7%) to improve their saving habits and encourage more frequent saving.
The findings of this research indicate a statistically significant correlation between saving habits, such as setting savings goals and budgeting, and financial behaviours. Financial literacy within the university among students is crucial to empower students to understand why they should save, set saving goals, and learn how to track their budget and expenses.
BOOK AND FINANCIAL PERFORMANCE OF SMALL-SCALE ENTERPRISES IN BUGUJJU TRADING CENTRE MUKONO DISTRICT
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) MANDRE ISAAC
The research report recognized the relationship between book keeping and financial performance of small-scale enterprises in Bugujju Trading Centre. To analyze the relationship between book keeping and financial performance and it also comprised of the credential information for the Research report and be composed of the statement of the problem, the study objectives, significance and research questions and relating the variables to come with book keeping as the independent and financial performance being the dependent the literature review and study on book keeping and financial performance of small-scale enterprises, overview of the challenges associated with book keeping and the types of books kept by the small-scale enterprises and analyze and evaluated what different scholars and researchers validate these variables. the research methodology which was also called the research design that was a cross-section research design, the research population was 50 and the sample size (n) was 44, interviews and questionnaires were the method I employed to collect data from the field which was composed of different nature of small-scale enterprises in Bugujju Trading Centre quality of data that was to say validity and reliability, various methods of data presentation the specific objectives of the study. The findings showed that proper book keeping can results into proper decision making in short- investments, and expansion of businesses can be archived by efficient and effective book from the field are analyzed and describe in this was section of the research study. The data offered in table format enabled easy interpretation of business responds about the types of books they kept, the monthly average income and expenses of the enterprises, the conclusion, recommendations of the research study being undertaken, where by the small-scale business owners and employees recommends that if there was any opportunity that will be availed to educate and trained them about book keeping practice they willing and more interested to be part of the exercise to effectively improve on their basic book keeping skills and knowledge that enhance their enterprises financial health.
THE INFLUENCE OF DIGITAL FINANCE ON THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN UGANDA
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) ADONGO BRIDGET
The influence of digital finance on small and medium businesses in Mukono is, therefore, analyzed in this paper to appreciate how such digital finance technology influences business performance. The study further discovered the use of Digital Finance by SMEs which has great benefits, bettering transaction speed, minimizing operational costs and maximizing revenue growth. The research, in its findings shows the use of digital financial services and how this technology is of great advantages to the small medium businesses though there are small challenges involved when using these services like fraud, network issues and inadequate technical skills. This study merges both quantitative and qualitative approaches in data collection to measure the effectiveness of digital financial services and also identifies the barriers faced. From the findings, it is observed that overcoming the challenges is very important for full benefits of digital financial technologies. The research shows that digital financial services need to be combined with the business operations for better performance and growth of the businesses. This calls for support and combined effort from the service providers, government and other stakeholders for the growth of the small medium businesses
CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN UGANDA
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) OPIO JOREEM ALLAN
This study investigated the effect of credit risk management on the financial performance of commercial banks in Uganda, focusing on ABSA Bank, Mukono District. The banking sector played a vital role in economic growth of a country like Uganda, but rising non-performing loans (NPLs) due to weak risk management practices hence leading to significant challenges, as evidenced by historical bank failures for example Crane Bank in 2016. The main objective was to examine how credit policies, credit appraisal, and credit monitoring influenced financial performance, measured by Return on Assets (ROA) and Return on Equity (ROE). A quantitative cross-sectional design was utilized, with data collected from 22 employees using structured questionnaires. Findings revealed strong positive correlations between credit policies, credit appraisal, credit monitoring, and financial performance. Multiple regression analysis confirmed a significant combined effect, with credit policies exerting the greatest influence. The study recommended strengthening credit policies through regular updates, enhancing staff training for improved appraisal and monitoring, and ensuring independent monitoring systems to boost profitability and financial stability. Further research was suggested to explore the integration of digital technologies, such as artificial intelligence, in credit risk management to enhance efficiency and accuracy.
IMPACT OF ONLINE BANKING ON SAVING BEHAVIOUR OF STUDENTS AT UGANDA CHRISTIAN UNVERSITY,MUKONO
(Uganda Christian University, 2025-09-12) DHIKUSOOKA JOEL KISIBO
The study investigated the impact of online banking on the saving behaviour of students at
Uganda Christian University (UCU), Mukono. The research focused on understanding the
extent to which students use online banking services, the relationship between online banking
and saving behaviour, and the challenges that students face in using these digital financial tools.
A descriptive survey research design was adopted, combining both quantitative and qualitative
approaches to provide a comprehensive analysis of students’ online banking habits and saving
patterns. The study targeted BBA 3:2 students, with a sample of 64 respondents selected using
simple random sampling, achieving a response rate of 82.8%.
Findings revealed that the majority of students (75.5%) actively use online banking platforms,
reflecting high adoption of digital financial services among university students. Students in
Finance and Accounting disciplines were more likely to engage with online banking, likely due
to their academic exposure to financial management concepts. Both male and female students
were adequately represented, providing diverse perspectives on the role of technology in
facilitating savings.
The study established a positive but weak correlation between online banking usage and saving
behaviour (r = 0.312, p = 0.027), suggesting that while online banking enhances saving habits,
other factors such as financial literacy, income levels, and personal discipline also influence
savings. Key motivators for using online banking included convenience, accessibility, and
goal-oriented saving, while high transaction costs, poor internet connectivity, and limited
digital financial literacy were identified as major challenges. Students expressed willingness to
save more if user-friendly digital tools and campus awareness programs were available.
The study concluded that online banking is a valuable tool for promoting disciplined saving
behaviour among students at UCU, although institutional and technological support is required
to maximize its impact. Recommendations include organizing workshops to improve digital
financial literacy, enhancing campus internet connectivity, and designing student-friendly
online saving tools. The study also suggested future research on comparative studies across
universities, longitudinal tracking of saving behaviour, and the effects of digital financial
interventions on students’ financial discipline.
Impact of accounting standards in the credibility of financial reporting
(Uganda Christian university mukono, 2025) Kemigisa Agnes
The findings showed that compliance with accounting standards improved the transparency and accuracy of financial reports and helped strengthen investor confidence. At the same time, the study identified several challenges, including the complexity of IFRS, high implementation costs, limited staff expertise, and system constraints, which sometimes slowed down effective
application. Overall, the study concluded that accounting standards play a key role in enhancing the credibility of financial reporting at Absa Bank Uganda Limited. It recommends ongoing staff training, greater investment in modern reporting systems, stronger regulatory follow-up, and improved internal controls. These recommendations are intended to help both the bank and regulators overcome the existing challenges. The study also adds to the limited research on IFRS adoption in developing countries, especially in the Ugandan banking sector.
THE EFFECT OF FINANCIAL LITERACY ON PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN MUKONO
(Uganda Christian University, 2025-09-15) MARK OMARA OCHAN
The small and medium enterprises sector has a crucial role in the economy of Uganda and highly
contributing to employment, economic growth and income generation. Small and medium enterprises
in mukono operate in sectors like retail, manufacturing, agriculture and services though most of them
face challenges that hinder their growth and sustainability. Low financial literacy among small and
medium enterprises owners and managers is one of the key blocks affecting budgeting, recordkeeping,
investment decision, debt management and the whole financial planning aspect. This study
investigated the effect of financial literacy on performance of small and medium enterprises in mukono
district between 2019 to 2024. A research (descriptive) was conducted targeting 150 small and
medium enterprises, with a random stratified random sampling of 109 owners and managers. All the
data was collected using questionnaires and analysed using descriptive and inferential statistics. The
study indicates a moderate financial literacy among small and medium enterprise owners and
managers with strong knowledge of budgeting and planning but moderate financial behaviours and
attitudes. Small and medium enterprises performance was also relatively moderate and the
sustainability is rated higher than profitability and growth. Nevertheless, a positive relationship was
observed between financial literacy and business performance which shows that higher financial
knowledge enables managers and owners to make informed decisions, manage resources effectively,
access finance and improve overall outcomes. The study summarizes that enhancing financial literacy
is important for improving small and medium enterprise profitability, growth and sustainability.
Recommendations basically include practical training workshops, targeted financial education
programs and policy interventions by government and financial institutions. The research highly
contributes to the understanding of financial literacy’s importance in small and medium enterprise
performance and the countries development.
THE EFFECT OF INTERNAL AUDIT ON FINANCIAL PERFORMANCE OF PUBLIC COMPANIES: A CASE STUDY OF UGANDA CLAYS LIMITED
(2025-09-09) MAGENE MWENYEMALI BLESSING
The study investigated the effect of internal audit on financial performance of a company; a case study of Uganda Clays Limited. The study was guided by the following objectives; To find out the effect of audit quality on the financial performance of UCL. particularly through the role of the internal audit team,to establish the extent to which independency of internal auditors influences financial performance of UCL and to examine the influence of competency of internal auditors on the financial performance of UCL.
This study employed a cross-sectional research design to investigate the effect of internal audit on the financial performance of Uganda Clays. The quantitative approach was used to analyze statistical data to examine relationships between internal audit and financial performance.
Overall, the study revealed that internal audit practices positively influence UCL’s financial performance, but governance and cultural constraints hinder their full potential.
The study concluded that High-quality audits significantly contribute to UCL’s financial performance by identifying inefficiencies and improving controls. However, weak governance structures, such as limited board oversight, reduce the effectiveness of audit recommendations, necessitating stronger policy support. Independence is critical for objective risk assessment and financial reporting accuracy, positively impacting profitability and ROI. However, management influence and inadequate audit committee support undermine auditor autonomy, limiting financial benefits.
Based on the findings and conclusions, the following recommendations are proposed: UCL should invest in data analytics and emerging technologies to improve audit accuracy and efficiency, and Fostering a transparent organizational culture that values auditor autonomy through training and policy reinforcement.
THE IMPACT OF BUDGETING PRACTICES ON THE FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES
(2025-09-09) NAMBUYA ANNAMISCA
This study examined the impact of budgeting practices on the financial performance of small and medium enterprises in Uganda a case study of Bugujju village in Mukono Municipality central division, with specific objectives to examine the effect of budgetary control, the impact of record keeping and the challenges faced by SME owners in implementing effective budgetary practices.
The study was carried out to establish why most Small and Medium Enterprises continue to perform poorly financially despite management efforts to improve performance through motivation, government initiatives to support private sector programs and market opportunities.
To collect relevant data the researcher used questionnaires, short interviews and library research on relevant material. Data was analyzed by the use of descriptive methods such as percentage distribution and frequency distribution.
The findings revealed that budgetary control has a significant positive effect on financial performance, enabling SMEs to manage resources better, reduce costs and make informed decisions. Furthermore, accurate and timely record keeping was found to have a significant positive impact of the financial performance facilitating financial reporting, analysis and decision making. However, the study also identified several challenges faced by SME owners in implementing effective budgeting which were limited financial expertise, inadequate resources like money and failure to keep up with the ever changing market conditions like price fluctuations. The area of further study suggested was the impact of financial management practices on SME sustainability and investigate ways to improve access to finance SMEs in Uganda.
CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS: A CASE STUDY OF EQUITY BANK MUKONO BRANCH.
(Uganda Christian University, 2025-09-09) Leatitia Kavira Tsongo
This study examined the effect of credit risk management on the financial performance of
commercial banks, focusing on Equity Bank Mukono Branch. The objectives of the study were to
analyze the effectiveness of credit assessment practices, examine the role of loan monitoring
mechanisms, and evaluate the impact of credit risk mitigation strategies such as risk-based pricing
and loan restructuring on financial performance. The study adopted a quantitative cross-sectional
descriptive design. The target population consisted of 35 employees in the credit and finance
departments, from which a sample of 32 respondents was selected using Krejcie and Morgan’s
table. Data were collected using structured questionnaires, tested for validity and reliability, and
analyzed using descriptive statistics, including means and standard deviations, with results
presented in tables.
The key findings revealed that effective loan monitoring significantly enhances financial
performance, although weaknesses were observed in loan recovery teams and approval monitoring
processes. Credit assessment practices, including risk data collection and portfolio evaluation,
were found to positively influence profitability, though gaps in early warning systems and risk
concentration identification remained. Credit risk mitigation strategies such as loan restructuring,
enforcement of penalties, and credit limits contributed positively to financial stability, while
prioritization of loyal customers and moderate use of risk-based pricing were less effective.
Financial performance indicators, including net profit margin, return on assets (ROA), and return
on equity (ROE), showed improvements, though with variations in perceptions among
respondents.
viii
The study concluded that robust loan monitoring, reliable credit assessment, and well-implemented
mitigation strategies are essential for strengthening financial performance. It recommended that
Equity Bank enhance loan recovery efficiency, improve monitoring approval processes, strengthen
early warning systems, and benchmark best practices in credit appraisal. Additionally, the bank
should continue to apply restructuring and penalty enforcement while refining risk-based pricing
models to align interest rates with risk levels. The study further recommended caution in
prioritizing loyal customers, ensuring repayment capacity remains the basis for lending decisions.
PARTICIPATION OF SMALLHOLDER FARMERS IN CARBON MARKET PROJECTS IN UGANDA: AN EXPLORATORY STUDY ON THE ROLE OF FINANCIAL LITERACY COMPETENCIES
(Uganda Christian University, 2025-09-10) Kristina Nabatanzi
The purpose of this dissertation was to examine the role of financial literacy competencies in the
participation of smallholder farmers in carbon market projects in Uganda. The study objectives were
to determine the relationship between Knowledge of Record Keeping, Contractual Literacy, Risk
management and smallholder farmer participation in carbon market projects in Uganda. The study
employed a descriptive qualitative design, making use of a structured literature review to analyze
secondary data without primary collection. The study utilized a desk-based approach while
leveraging secondary data from 2019 to 2025. Attention was drawn to regions such as Central,
Western and South-western Uganda, where carbon market projects are currently ongoing. The
results indicated that each of the financial literacy competencies had a positive and significant
relationship with smallholder farmer participation in carbon market projects. It was also observed
that carbon market projects that incorporated gender and youth-based interventions within their
programs exhibited higher levels of participation among their smallholder farmers.
It was recommended that carbon project developers should incorporate record keeping modules
for farmers at the onboarding stage, tailored to suit various financial literacy levels of smallholder
farmers. The Uganda Carbon Market Association, in collaboration with carbon project developers
can design simplified contract template guised for smallholder farmers, translated to local
languages and supported by trained extension workers. Additionally, the Uganda Carbon Bureau,
alongside the Bank of Uganda, should promote Carbon Farming Savings and Insurance Schemes
by financing existing initiatives that buffer farmers against carbon-farming related shocks and
support investment in diversification strategies such as agroforestry and biogas.
THE EFFECT OF CREDIT POLICIES ON LOAN PERFORMANCE, A CASE STUDY OF PRIDE MICROFINANCE MUKONO BRANCH
(Uganda Christian University, 2025-09-12) Shablinah Nazziwa
The study investigated the effect of credit policies on loan performance; a case of pride microfinance bank Mukono branch. The study was guided by the following objectives;To examine the effect credit terms on loan performance at pride microfinance Mukono branch , To establish the effect of Credit appraisal on loan performance the at pride microfinance Mukono branch and To assess the effect of Credit monitoring on loan performance the at pride microfinance Mukono branch.
The study employed descriptive research design to comprehensively examine the effectiveness of credit policies in influencing loan performance at pride microfinance Mukono branch. The study as well adopted a quantitative approach.
The study established that; the composite mean for credit terms was 3.61 (SD = 0.65), indicating moderate agreement that credit terms enhance loan performance, though high interest rates limit their effectiveness. The composite mean for credit appraisal was 3.83 (SD = 0.60), suggest strong agreement that appraisal processes enhance loan performance. The composite mean for credit monitoring was 4.06 (SD = 0.59), the highest among the three policy components, indicating that monitoring is perceived as the most effective in reducing NPLs and enhancing loan performance.
The study concluded that credit policies comprising credit terms, appraisal, and monitoring positively influence loan performance at Pride Microfinance Mukono Branch. Monitoring has the strongest impact, followed by appraisal, while credit terms are less effective due to high interest rates. These findings validate the conceptual framework and address the problem statement, which highlighted the 17% NPL rate in 2020 as a threat to Pride Microfinance’s financial stability.
EXAMINING THE INFLUENCE OF RISK MANAGEMENT STRATEGIES ON FINANCIAL PERFORMANCE A CASE STUDY OF PRIDE MICROFINANCE – MUKONO BRANCH
(Uganda Christian University, 2025-09-05) Tabu Agnes
The study examined the influence of risk management strategies on financial performance; A
case study of pride microfinance – Mukono branch. The study was guided by the following
objectives; to examine the effect of Risk identification on financial performance of pride
microfinance Mukono branch, to establish the effect of Risk assessment on financial
performance of pride microfinance Mukono branch and to assess the effect of Risk monitoring
on financial performance of pride microfinance Mukono branch.
The study adapted the descriptive survey design. Amin (2005) describes the survey design as a
method that involves collecting information from members of a target population by considering
the current status of that population with respect to the study variables.
the Key findings included :Respondents perceived risk management strategies positively, with
means above 3.8. Correlation analysis showed significant positive relationships between risk
identification (r = 0.446, p < 0.01) and risk monitoring (r = 0.422, p < 0.05) with financial
performance. Risk assessment was not significant (r = 0.273, p > 0.05).Regression analysis
confirmed the model’s significance (R-squared = 0.292, p = 0.012), with risk identification (β =
0.343, p = 0.035) as the strongest predictor, followed by risk monitoring (β = 0.318, p = 0.080).
Risk assessment had no effect. Overall, effective risk identification and monitoring enhance
financial performance by reducing losses and improving stability.
The study concluded that risk management strategies, particularly identification and monitoring,
significantly influence financial performance at Pride Microfinance Mukono Branch. Effective
identification reduces potential threats like non-performing loans, while monitoring ensures
ongoing mitigation, leading to improved profitability and liquidity.
THE INFLUENCE OF DIGITAL MARKETING STRATAGIES ON BUSINESS PERFORMANCE A CASE STUDY OF SMEs IN MUKONO CENTRAL DIVISION, MUKONO MUNICIPALITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-04) KABAGWERI MARY
The study assessed the influence of digital marketing strategies on performance of businesses; a case study of SMES in Mukono central division, Mukono municipality. The study was guided by the following objectives; to examine the effect of website marketing on the performance of SMEs in Mukono central division, to assess the effect of content marketing on the performance of SMEs in Mukono central division and to assess the effect of social media marketing on the performance of SMEs in Mukono central division.
The study adopted descriptive research design. A descriptive design is a process of collecting data in order to answer questions concerning the current status of the subjects in the study. Descriptive design was used because it’s appropriate in collecting information about people’s attitude, opinions and habits. A mixed-methods approach was utilized to provide a comprehensive analysis of the topic.
The findings indicated that website marketing (4.18) had the strongest impact, folioed by Social media marketing (4.17) and content marketing (4,12) . Qualitative insights confirmed that these strategies were helping SMEs maintain sales and customer engagement.
The study concluded that digital marketing strategies namely website marketing, content marketing, and social media marketing significantly enhanced the performance of SMEs in Mukono Central Division.
The Impact Of Financial Literacy On Financial Decision Making Among University Students.
(Uganda Christian University, 2025-09-11) Alison Nakyomu Shifrah
The study investigated the impact of financial literacy on financial decision making
among university students in Uganda. it was guided by the following objectives.: To
assess the influence of financial knowledge on financial decision making among
university students in Uganda, to analyze how financial awareness affects financial
decision making among university students in Uganda. and to investigate the role of
financial skills in shaping financial decision making among university students in
Uganda.
The research design for this study was a descriptive and cross sectional survey
design.
Generally, the combined mean across knowledge (3.95), awareness (4.01), and skills
(3.97) is 3.98, indicated a strong positive impact. This supports the main objective,
with consistent high agreement across dimensions.
Conclusions; Financial literacy significantly enhances decision-making at UCU.
Knowledge supports foundational understanding, awareness improves risk
recognition, and skills enable action. Gaps in investments, information-seeking, and
tools highlight areas for intervention, addressing the problem statement’s focus on
debt and savings to support national goals.
Recommendations; Uganda Christian university should Integrate mandatory financial
literacy modules into curricula, focusing on investments and digital tools, via
workshops and active learning.The Policymakers Should Develop national programs
promoting literacy in universities, targeting gaps in awareness and skills for financial
inclusion.
FACTORS INFLUENCING BUSINESS STUDENT’S ENTREPRENEUR’S BUSINESS PERFORMANCE A CASE STUDY OF UGANDA CHRISTIAN UNIVERSITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-04) ZAKARIA DENG WOL
The study investigated the factors influencing business student’s entrepreneur’s business
performance; a case study of Uganda Christian university. The study was guided by the
following objectives; To establish the effect of Entrepreneurial skills on student entrepreneurs
business performance at Uganda Christian university, to assess the effect of Access to capital
on student entrepreneurs business performance at Uganda Christian university and to establish
the effect of academic engagement on student entrepreneurs business performance at Uganda
Christian university.
The study adopted survey research design. The design was used to explain the existence of
two or more variables at a given point. Survey research design was useful in this study as it
helped to report things the way they are.
The study established that entrepreneurial skills and access to capital significantly enhance
business performance among student entrepreneurs at UCU, with strong agreement on their
importance. However, academic engagement poses challenges, as time spent on business
activities can negatively affect academic performance, creating a trade-off.
It was concluded that entrepreneurial skills and access to capital are key drivers of
student entrepreneurs’ business performance at UCU, while academic engagement poses
challenges due to time constraints and institutional policies. These factors collectively shaped
the success of student-led ventures, measured by revenue growth, profitability, longevity, and
customer satisfaction.
MOBILE MONEY SERVICES AND FINANCIAL ACCESSIBILITY; ACASE STUDY OF UGANDA CHRISTIAN UNIVERSITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-03) BOBOLI SIMON
The study assessed the relationship between mobile money services and financial
accessibility of Mobile money users pursuing bachelors of business administration in Uganda
Christian University. The study was conducted in consideration of three key objectives that guided it, they include;
examining the factors that influence mobile money usage, assessing the relationship between
mobile money services and financial accessibility and identifying the challenges face by
students in using mobile money and suggest possible solutions.
The research employed cross-sectional research design and with the use of only quantitative
research approach. Structured questionnaires were used for data collection from a sample of
60 respondents, the researcher employed simple random sampling technique to select the
desired respondents from the different areas of specialization like accounting, finance,
marketing and management.
Data was collected, coded and analyzed using statistical tools like SPSS to obtain insight into
the responses and draw reasonable and meaningful conclusions.
Findings revealed that mobile money services and financial accessibility has a strong positive
correlation meaning that there is a strong relationship between mobile money services and
accessibility to financial services and key challenges encountered by users include; network
challenges, high transaction charges and security issues like fraud,
Finally, the study revealed that there is a strong relationship between mobile money services
and financial accessibility implying that mobile money services enhance individuals’ ability
to access, save, transfer, receive and generally use financial services effectively and
recommends an Improvement in network infrastructure, reduction in the transaction fees,
ensuring the customer deposits are protected through enhancing security and reversal
services.
THE IMPACT OF AWARENESS AND TRUST ON UPTAKE OF HEALTH INSURANCE AMONG UNIVERSITY STUDENTS. A CASE STUDY OF UGANDA CHRISTIAN UNIVERSITY, MUKONO CAMPUS.
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-02) WAI ELIA NELSON
This study examined The Impact of Awareness and Trust among University Students. A Case Study of Uganda Christian University, Mukono Campus. Globally, health insurance is considered as a cornerstone for achieving UHC. However, in Uganda, the coverage of health insurance remains critically low below 5% with university students representing the underinsured group despite of them being literate, technologically aware, and highly exposed to health-related risks. The study specifically examines the role of awareness and trust as behavioural factors for influencing students’ health insurance uptake. The research adopted a cross-sectional descriptive and analytical design. A sample of 60 final year Bachelor of Business Administration students was selected through stratified random sampling. The data was collected using a semi-structured questionnaire and then analysed using SPSS (version 26). The descriptive statistics summarized the demographic characteristics, awareness, trust, and uptake levels of health insurance. For relationships and mediation effects, Pearson correlation, logistic regression, and Hayes’ PROCESS Macro (Model 4) were employed for assessment. The findings revealed that health insurance among university students was very low with only 20% of students enrolled and mostly family schemes therefore indicating a lag in independent venture. It further established that awareness levels were moderate(mean=3.25) but gaps persisted in understanding of claim procedures and entitlements. Trust levels were below average(mean=3.00) with mean of 2.98 which reflected scepticism about insurers’ transparency, fairness, and service quality. Both awareness (r=0.579, p< 0.01) and trust (r=0.646, p< 0.01) significantly correlated with willingness to pay, though trust showed a stronger effect. Mediation analysis established that trust partially mediated the relationship between awareness and uptake with logistic regression confirming that trust and awareness explain jointly 64.2% of variations in health insurance uptake. This suggested that awareness alone does not guarantee enrolment unless coupled with confidence in insurers’ credibility and service delivery. The study concluded that low health insurance uptake among university students is more of a function of the behavioural barriers than mere financial constraints. Trust emerged as a stronger predictor of health insurance uptake than awareness, suggesting the need to complement awareness campaigns with deliberate trust building initiatives. This study therefore, contributes to the behavioural dimension of health insurance uptake literature in Sub- Saharan Africa by highlighting trust as a critical mediator between awareness and actual enrolment