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Recent Submissions
The effect of risk management practices on fraud prevention in mobile money businesses in Namagoma village
(Uganda Christian University, 2026-04-17) Hazel Ninsiima Kalindwa
Mobile money operations are essential for financial inclusion in Uganda; however, their sustainability is persistently jeopardized by elevated instances of fraud. This study evaluated the impact of risk management practices on fraud prevention in mobile money enterprises, utilizing Namagoma as a case study. The research specifically investigated the impact of risk identification, risk analysis, risk mitigation strategies, and regulatory compliance. The research employed a descriptive design to examine the present circumstances. Primary data was gathered through structured questionnaires administered to a sample of 121 mobile money agents. The study achieved a response rate of 76.9%, resulting in 93 completed questionnaires. The data was subsequently analysed utilizing descriptive statistics within the Statistical Package for the Social Sciences. The findings indicated that risk identification facilitates the early detection of suspicious behaviour; however, numerous agents depend on informal peer learning instead of formal training. Risk analysis predominantly depends on insights gained from historical incidents instead of utilizing sophisticated digital tools. Although mitigation controls such as transaction monitoring are considered effective, agents often circumvent security protocols to expedite service for trusted clients, thereby creating vulnerabilities that may elevate fraud risk and compromise the overall efficacy of the risk management framework. Regulatory compliance, including compulsory SIM registration and Know-Your-Customer (KYC) regulations, serves as the foremost safeguard against fraud by eliminating anonymity in transactions. The study concluded that human behaviour and structural business challenges, such as low agent commissions, significantly undermine risk management practices. It is advised that service providers enforce compulsory formal training and reassess commission structures to alleviate the financial pressures that contribute to internal theft. Moreover, mobile money agents must rigorously comply with security protocols for all clients and prioritize fundamental physical security investments.
Urban population growth and access to social services: residents’ perceptions in Kira Municipality, Wakiso district
(Uganda Christian University, 2026-04-15) Precious Margaret Namuli
This study examined residents' perceptions of urban population growth on access to social, economic, and infrastructural services in Kira Municipality, Uganda. Guided by Urban Growth Theory, the study employed a qualitative phenomenological design with 23 participants selected through purposive and snowball sampling. Data was collected through using individual semi-structured interviews lasting 5-15 minutes, audio recordings in English and analyzed thematically. Findings revealed severe overcrowding in healthcare and education, a two-tier system where quality correlates with ability to pay, and a “middle income trap” excluding those too wealthy for free services but too poor for private care. Economic benefits of growth were unevenly distributed while infrastructure failures like poor roads, unreliable water, and electricity outages had life threatening consequences like patient deaths from ambulance delays. The majority of participants perceived service access had worsened though business owners reported improved livelihoods. The study concludes that population growth has outpaced service provision, creating a crisis of access requiring urgent policy intervention. Keywords: Urban population growth, social services, residents' perceptions, Kira Municipality, Uganda, urbanization, service accessibility, infrastructure.
The role of family support in the rehabilitation of prisoners at Remand Prisosn Kampala, Luzira
(Uganda Christian University, 2026-04-15) Rebecca Nakimbugwe
This qualitative aimed to investigate the role of family support in the rehabilitation of prisoners in Uganda's Remand Prison Kampala, Luzira. The study focused on three main objectives: to explore the role of financial support from the family, to examine the role of social support from the family, and to investigate the role of emotional support from the family in the rehabilitation of prisoners. The study was also informed by the theory of social support and the theory of rehabilitation. The qualitative research approach was used as the basis for the study. The study involved 15 prisoners who participated in semi-structured interviews and focus group discussions, as well as 15 prisoners' families who participated in questionnaire administration. Findings showed that financial support from the family contributed to the rehabilitation of prisoners, while the role of social support from the family contributed to the maintenance of prisoners' social identity. The role of emotional support from the family also contributed significantly to the rehabilitation of prisoners. Overall, the findings suggest that family support plays a multidimensional role in shaping prisoner’s rehabilitation process.
The influence of customer service on customer loyalty in retail shops in Kawolo division, Lugazi town
(Uganda Christian University, 2026-04-16) Mary Arengo
This study examined the influence of customer service on customer loyalty in retail shops in Lugazi Town. The research was steered by the following objectives; to examine the influence of customer service quality on customer loyalty, to assess the responsiveness and speed of service on customer loyalty, to examine the staff competence and product knowledge on customer loyalty, and to establish the relationship between customer service dimensions and customer loyalty. The cross-sectional survey design was used to survey retail shop owners, managers, and sales associates. Purposive sampling was used to select 44 participants, and structured questionnaires were used to collect data. The regression analysis results showed that all five dimensions combined accounted for 83.2% of the variance in customer loyalty, R² = 0.832. Reliable service emerged as the strongest predictor of customer loyalty (β = 0.312, p < 0.01), followed by effective service (β = 0.287, p < 0.01), staff knowledge (β = 0.234, p < 0.01), quick response (β = 0.193, p < 0.05), and personalized service (β = 0.156, p < 0.05). The study found that customer service significantly affects customer loyalty in retail shops. The recommendation was that retail shop owners should emphasize the reliability of customer service, invest in training their staff to improve their knowledge of products, and ensure promptness in their services to promote customer loyalty.
Determinants of modern contraceptive use among women of reproductive age in Uganda: Analysis of the 2016 Uganda Demographic and Health Survey (UDHS)
(Uganda Christian University, 2026-04-17) Winnie Adok
This study examines the determinants of modern contraceptive use among women of reproductive age in Uganda, using data from the 2016 Uganda Demographic and Health Survey (UDHS). The study aims to identify the socio demographic, economic, cultural, and health system factors that influence the utilization of modern contraceptive methods.A quantitative research approach was employed, utilizing secondary data analysis of the UDHS 2016 dataset. Statistical techniques, including descriptive analysis and regression modeling, were used to determine the relationship between independent variables and contraceptive use.Findings indicate that factors such as education level, age, marital status, wealth index, access to health services, and knowledge of contraceptive methods significantly influence the use of modern contraceptives. Cultural and religious beliefs were also found to play a role in shaping attitudes toward contraceptive use. The study concludes that improving access to education, strengthening health systems, and increasing awareness about family planning can significantly enhance contraceptive uptake. The findings provide valuable insights for policymakers, health practitioners, and stakeholders in designing effective reproductive health programs in Uganda.
Black tax and employee savings in schools in Mukono municipality: A case study of Our Lady of Africa Schools
(Uganda Christian University, 2026-04-17) Ian Jabel
Many working Ugandans are faced with a challenge of not being able to save as a result of the harsh reality of having to support their families financially. Though most studies have concentrated on internal job related factors as drivers of employee savings, this study seeks to assess employee savings in relation to Black tax, an external factor. The study was based on working staff in schools in Mukono municipality. The main aim of the research was to establish the impact of black tax on employee savings, particularly focusing on the staff working in our lady of Africa schools.The study employed across sectional research design, using the qualitative and quantitative approaches. The quantitative research was conducted using a questionnaire formulated with open and closed ended questions, these were used to collect data from 60 respondents, as the sample size. The analysis of data was conducted and the tests of the relationship among the variables was done. The results indicated moderate perceived impact of black tax on saving behavior (overall mean = 3.870), moderate experience of common forms (overall mean = 3.551), and moderate use of strategies (overall mean = 3.384). Key items with high agreement included family support reducing savings, sibling support, and encouraging family independence. No major demographic differences were observed in the patterns. The report further presents in chapter five, the discussions of these major findings, together with the conclusions and recommendations in relation to the conclusions and then the areas of further research to advance the study by any other interested scholars.
European Union Carbon Border Adjustment Mechanism (CBAM): Legal challenges and opportunities for Uganda’s export trade under the World Trade Organization legal framework
(Uganda Christian University, 2026-05-25) Thomas Aquinas Mugisha
This study looks at how the European Union Carbon Border Adjustment Mechanism affects Uganda which is a poor country. The European Union Carbon Border Adjustment Mechanism is a deal for Uganda because it is, at the centre of two important things: international trade and climate change rules. The European Union Carbon Border Adjustment Mechanism is changing how these two things work together. The first part of this study explains what the European Union Carbon Border Adjustment Mechanism is and why it is important for Uganda. It talks about the problems that Uganda might face because of the European Union Carbon Border Adjustment Mechanism and how Uganda can deal with these problems. The second part of this study looks at how Uganda does business with countries and how it can follow the rules of the European Union Carbon Border Adjustment Mechanism. Uganda does not send goods that are covered by the European Union Carbon Border Adjustment Mechanism directly to the European Union but it does send goods to other countries in Africa that then send them to the European Union. This means that Uganda is still affected by the European Union Carbon Border Adjustment Mechanism. Uganda also has some problems with measuring carbon emissions and making sure that it is following the rules of the European Union Carbon Border Adjustment Mechanism. The third part of this study looks at the laws that govern the European Union Carbon Border Adjustment Mechanism. It talks about how the European Union Carbon Border Adjustment Mechanism might not be fair to countries like Uganda that are still developing. The European Union Carbon Border Adjustment Mechanism has to follow the rules of the World Trade Organization, which says that countries cannot discriminate against each other. The last part of this study summarizes what I found out and gives some advice to Uganda. Uganda needs to work with countries in Africa and with the European Union to make sure that it can follow the rules of the European Union Carbon Border Adjustment Mechanism. Uganda also needs to measure its carbon emissions and make sure that it is following the rules of the European Union Carbon Border Adjustment Mechanism. The European Union Carbon Border Adjustment Mechanism is a challenge for Uganda. It can also be an opportunity for Uganda to develop its economy and reduce its carbon emissions. Uganda should be proactive. Work with the European Union and the World Trade Organization to make sure that it can benefit from the European Union Carbon Border Adjustment Mechanism.
The role of decentralisation in promoting health service delivery in Arua hill division, Arua city, Uganda
(Uganda Christian University, 2026-05-26) Fortunate Maketa
This study examined the role of decentralisation in promoting health service delivery in Arua Hill Division, Arua City, Uganda, covering the period 2020–2025. Guided by three specific objectives assessing the effects of political, administrative, and fiscal decentralisation on health service delivery the study adopted a qualitative case study research design and relied exclusively on secondary documentary sources, including national health sector performance reports, Auditor General reports, local government performance assessments, policy instruments, and peer-reviewed academic literature. Findings revealed that, while Uganda's decentralisation framework formally transferred governance responsibilities to division-level structures, all three dimensions of decentralisation fell short of generating meaningful improvements in health service delivery. Political decentralisation established formal institutional structures elected councils and citizen participation mechanisms but these did not produce functional downward accountability; no documented corrective responses to a 54% health worker vacancy rate and persistent medicine stockouts were found. Administrative decentralisation devolved management responsibility without a corresponding transfer of authority: division-level structures functioned as administrative relays rather than empowered management units, with staffing, drug procurement, and facility oversight remaining centrally controlled. Fiscal decentralisation operated as a fiscal management arrangement rather than a fiscal empowerment arrangement, with per capita health expenditure of approximately US$23 falling far below the WHO benchmark of US$86, transfer predictability constrained by the Treasury Single Account system, and grant conditionality limiting local expenditure discretion. The study concludes that decentralisation in Arua Hill Division achieved institutional form without institutional function across all three dimensions. It recommends strengthening political accountability mechanisms, expanding administrative decision space for health workforce and procurement management, revising the health conditional grant formula to reflect demographic pressures from refugee-hosting populations, and increasing the national health budget allocation toward the 15% Abuja Declaration target. The findings contribute to the limited scholarship on decentralised health governance in Uganda's West Nile sub-region and carry policy relevance for similar contexts across different countries.
The effectiveness of non-governmental organizations in advocating for the rights and welfare of the boy child in Gayaza Kampala district Uganda
(Uganda Christian University, 2026-05-25) Hellen Kirabo
The study was interested in evaluating the effectiveness of NGOs in advocating for the welfare and rights of the boy child in the Kampala District, Uganda. The study was especially interested in establishing the role of NGO intervention in enhancing the welfare and rights of boys and to validate the role played by NGO intervention in modifying the parent's attitude towards boys. The research used qualitative research methodology, and questionnaires and interviews were used in data collection among a sample of ten respondents including NGO representatives, parents, teachers, and boys aged 7 to 18 years. Manual thematic analysis was used in analyzing the data. It was found that NGO interventions were beneficial to the health of boys in that they encouraged easier access to education, health care, mentorship programs, and psychosocial intervention. In addition, parent attitudes towards increased respect for boys' education, emotional, and social life were enhanced by NGO initiatives. Despite these accomplishments, NGOs are still facing challenges with access to resources and cultural biases against the girl child. It concluded that the NGOs play an immense role in articulating the rights and welfare of the boy child. It suggested to the NGOs that they improve parent involvement, increase program coverage, and fight equitable resource distribution. It also suggested future research to compare intervention among girls and boys and evaluate long-term effects of NGO programs.
The contribution of organizational justice on employee engagement. Study of 7 star cleaning services Mukono Uganda
(Uganda Christian University, 2026-04-10) Mirabu Gimbo
The resolution of this study remained to observe the character that managerial justice may play in worker assignation at 7 Star spring-cleaning facilities corporation. It further examined the level of determination among employees and the association amongst organizational justice and employee engagement. It involved quantitative approach of data collection from employees of the company of which data was investigated using software of SPSS style 23. Constructed on the results of this study, it remained noted that many of the defendants are not well complex in this company since of the one-sided measures, restrictive and nearly unfriendly them off from their dynamic contribution in decision making procedures assumed following to the company. The training had a major restriction where some people were not assessed since the company had they were inattentive, others stood uninformed then also inadequate funds. This study offers first-hand ideas addicted to in what way objectivity in administrations echoes full in how staffs participate easily on the residence of labor.
Corporate governance and financial performance of commercial banks in Uganda
(Uganda Christian University, 2026-04-16) Hassan Kizito
This study examined the relationship between corporate governance and financial performance of commercial banks in Uganda, with a particular focus on the mediating role of management efficiency, using Stanbic Bank as a case study. The study was guided by three objectives: to determine the effect of corporate governance on financial performance, to examine the relationship between corporate governance and management efficiency, and to assess the influence of management efficiency on financial performance. A quantitative, correlational, and cross-sectional research design was adopted. Data was collected from 120 respondents, including branch managers, accountants, and internal auditors, using structured questionnaires. Statistical analysis was conducted using SPSS, employing descriptive statistics, correlation, regression, and mediation analysis. The findings revealed a significant positive relationship between corporate governance and financial performance. Corporate governance was also found to significantly influence management efficiency, while management efficiency had a strong positive effect on financial performance. Mediation analysis indicated that management efficiency partially mediates the relationship between corporate governance and financial performance, implying that governance mechanisms improve performance both directly and indirectly through enhancing operational efficiency. The study concludes that effective corporate governance practices, supported by efficient management, are critical in improving the financial performance of commercial banks in Uganda. It recommends strengthening governance enforcement, improving board effectiveness, and investing in management efficiency to enhance overall bank performance.
Crime and youth livelihood : a case study of Moyo town council, Moyo district
(Uganda Christian University, 2025-06-30) Bear Saviour Amoko
This study was conducted on crime and youth livelihood, a case study of Moyo town council. The objectives were to identify the factors that contribute to crime among the youth in Moyo town Council, to assess the effects of crime on youth livelihood, and to establish the strategies in place to reduce crime among youth in Moyo Town Council. The research analyzed the prevalence and extent to which crime damages cognitive functions, affects motivation, and behavior leading to decreased livelihood. It further explored preventive measures and interventions that can mitigate these negative outcomes. The findings aimed to inform policymakers, educators, and security personals on strategies to address crime and enhance youth livelihood. This study used a cross-sectional survey design. This design involved gathering data from a population sample at a particular time. The researcher used qualitative and quantitative data collection methods to achieve the study objectives. The data collection tools included questionnaires and interviews, enabling the researcher to get firsthand information. The quantitative data was analyzed using statistical methods to identify trends, correlations, and patterns in the study topic. The findings were that peer influence (70%), unemployment (56%), drug accessibility (48%), poor parenting (32%) and poor performance (24%) are factors for crime. The effects include school dropout (70%), mental illness (64%), family breakdown (50%), poor social relationship (38%). The strategies to curb include: youth training resist peer pressure (66%), adolescent health promotion (55%), supporting children to develop appropriate attitudes towards life (50%) improving parenting skills (50%), and community intolerance of crime (40%)In conclusion, the research explored peer influence, unemployment, drug accessibility poor parenting and poor performance as the causes of crime that has led to mental illness, family breakdown, school dropout, death among others hence lowered youth livelihood. The study therefore recommends rehabilitation of those with mental illness, job creation, regular needs assessment conducted by government to establish real challenges of the youth on ground, regular meetings with member representatives (youth leaders) to make them understand further details of crime, their effects to inform strategies to curb crime among youths in Moyo Town Council.
Women SACCOs and increase in household income: a case study of Oli central division, Arua city
(Uganda Christian University, 2025-04-17) Elionai, L. M. Wilson
This research report was premised on the scholarly desire to examine the effects of women SACCOs on the increase of household income levels. This study specifically looked at an examination of the contributions of women’s SACCOs to Household income; the challenges faced by Women SACCO members in their endeavor to enhance household income, and to discuss strategies that can be used to mitigate the challenges faced by women SACCOs in increasing family incomes in Oli Central Division. From the literature surveyed, some scholars have linked SACCOs rather to the bulging rural debt burden. However, most scholars have inclined to the argument that SACCOs are an avenue for rural income access and stability. However, given the division in worldview of the nexus between these variables studied herein, this piece using a mixed research design, examined as stated in the topic how SAACOs shape the increase of household income particularly in Oli Central Division. Data to respond to these queries was obtained both qualitatively using interviews and focused group discussions, and quantitatively using questionnaires from a total of 52 respondents. The study found out that Women SACCOs do contribute to the ability of the members in increasing and or improving their respective household incomes. it was also found that, the SACCOs members do face challenges that constrain them from enhancing the income of their households. The study was also able to obtain some ways forward to mitigate the said challenges in order to enhance the ability of the members to contribute to increased household income.
The impact of agent banking on the financial habits and accessibility of financial services for rural communities in Mukono district
(Uganda Christian University, 2026-04-09) Marvinn Tusiime
The main aim of this study was to find out the impact of agent banking on the financial habits and accessibility of financial services for rural communities in Mukono District. The study was specifically carried out in Nakisunga and Nagojje sub-counties. To achieve this, the researcher used a cross-sectional survey research design. The sample size of 90 respondents was comprised of local farmers, traders, and civil servants. The primary data was collected using a structured questionnaire. The data was collected through face-to-face interviews. Once the data was collected, it was analyzed using SPSS Version 20.0. The results of the research indicated that financial accessibility in rural areas has improved through agent banking. The respondents agreed that the agents are accessible since they are within walking distance. This has helped them save on the cost of transportation, which they used to spend going to Mukono Town. However, from the research, it was also established that the reliability of the agents is very low. The agents are often out of cash, and their networks are mostly unstable. This has
resulted in rural residents not fully trusting their agents to keep their finances. The research results indicated that people are using the agents for withdrawal of cash and paying of bills but are still keeping their actual wealth in their informal VSLAs. The regression results showed that although proximity is good, reliability is the strongest factor for positive financial habits. The conclusion of the study was that the issue of physical distance has been solved through agent banking, but the saving culture of the rural people has not changed completely since the system is not reliable. Based on these findings, the researcher recommended that commercial banks should support their agents by providing float loans so they always have cash. The banks should also work with telecom companies
to make the network stable, and they should create a system that allows the local VSLAs to deposit their group savings directly through the agents.
Effects of credit management on financial performance of saccos in Uganda. A case study of kyaka ii farmers sacco in kyegegwa district
(Uganda Christian University, 2026-04-10) Juliet Iradukunda
Saving and Credit Cooperative Societies (SACCOs) are important in advancing financial inclusion and economic empowerment in rural, agricultural and refugee hosting districts in Uganda. However, continuous issues like liquidity shortages, on-performing loans and limited profitability arise from poor credit management practices. This study investigated the effects of credit management specifically debt appraisal, risk monitoring and collateral security on the financial performance of Kyaka II Farmers SACCO in Kyegegwa District, Uganda. Employing a descriptive longitudinal survey design, the research targeted 63 respondents including managers, board members, finance officers, auditors, credit officers and members. A sample of 54 respondents was selected using Yamane’s (1967) formula, with purposive sampling. Data was collected through structured questionnaires on a five point Likert scale and semi structured interviews. Financial performance was measured through return on equity, return on assets and net profit margin. Findings revealed general moderate credit management practices. Collateral security exhibited the strongest positive impact enhancing recovery rates and repayment discipline. Debt appraisal showed significant positive effects improving portfolio quality through rigorous borrower assessments. Risk monitoring also showed a relatively positive impact. The study concludes that prioritizing collateral security and debt appraisal boosts SACCO sustainability in vulnerable contexts. It contributes to insights of microfinance literature and recommends policy enhancement for SACCO management and development partners to foster training and guidelines thus reducing default risks and increasing financial outcomes.
The effect of sustainable procurement on financial performance of manufacturing firms. A case study of nsava feeds Uganda
(Uganda Christian University, 2026-04-16) Praise Buyinza Nabukeera
This study examined the effect of sustainable procurement practices on the financialperformance of manufacturing firms, with a specific focus on Nsava Feeds Uganda. The research was guided by three key dimensions of sustainable procurement: environmental assessment, social responsibility, and economic evaluation during procurement processes. A descriptive cross sectional survey design was adopted, utilizing a quantitative approach. Data was collected from 197 respondents, including procurement officers, managers, and other staff involved in procurement and financial decision making, using structured questionnaires. The findings revealed that although sustainable procurement practices are not fully integrated within Nsava Feeds, all three dimensions environmental, social, and economic have a significant positive relationship with financial performance. Correlation analysis indicated strong positive associations, particularly between social responsibility and financial performance (r = 0.658), followed by environmental assessment (r = 0.639) and economic assessment (r = 0.510). Regression results further confirmed that sustainable procurement practices significantly predict financial performance, explaining 53.2% of its variation. Among the three factors, environmental assessment had the strongest influence on financial performance, followed by economic assessment and social responsibility. Despite these positive relationships, the study found that Nsava Feeds has not fully embraced sustainable procurement practices, especially in environmental and social aspects, leading to missed opportunities for improved financial outcomes. The study concludes that strengthening sustainable procurement practices can enhance cost efficiency, reduce risks, and improve overall financial performance. The study recommends that Nsava Feeds should prioritize environmental sustainability in procurement, strengthen social responsibility practices, and improve economic evaluation strategies to achieve long term financial stability and competitiveness.
Impact of whistleblowing on the performance of financial institutions, a case study of centenary bank mukono branch
(Uganda Christian University, 2026-04-16) Lawrence Baluku
This research investigates the consequence of whistleblowing activities on financial institutions with particular emphasis on the impacts of reporting wrongful acts on the degree of transparency, accountability, and the institution's performance as a whole. It analyzes the fraudulent activities and non-compliance with regulations which employees are willing to report owing to the unethical practices of their organizations. The study considers the primary and the secondary data to assess the levels of awareness within the employees of the institution on whistleblowing and the reporting challenges, as well as the consequences of such reports for the institution. The results suggest that the governance of institutions which have a well-functioning whistleblowing system in place suffer less financial risk and are more exposed to public confidence. The study suggests that institutions should safeguard confidentiality, protective of whistleblowers, promote a reporting culture as well as policy alignment with whistleblowing practices to gain optimum benefit from such whistleblowing activities.
The role of savings and credit cooperatives (saccos) in promoting financial inclusion in the rural areas of masaka distrct
(Uganda Christian University, 2026-04-16) Musa Nadduli
In the socio-economic environment of Uganda, the issue of financial exclusion has continued to financial training program for the community, these organizations have the potential of bridging questionnaires and 2 informant interviews. Based on the analysis of the data using SPSS software literacy on the actual use of SACCO products,by households of the country. The study was be a significant socio-economic challenge, where a high percentage of the population has no access has demonstrated the need for the development of a robust savings culture, transparent leadership qualitative approaches in the study to ensure the attainment of a well-rounded data set. A total of auspices of three major pillars, which included the evaluation of the impact of the mobilization of 50 participants were targeted in the study, with the data being sufficient for the study with 46 marginalized and low-income population of the country. The study was undertaken under the structures, and the need for financial education in bridging the financial inclusion gap. In fact, the study has demonstrated that with the capacity building of SACCOs and the development of a with the aid of descriptive statistics such as mean and standard deviation, it is evident that the study savings on financial inclusion, the importance of governance structures, and the role of financial conducted using a cross-sectional research approach with the inclusion of both quantitative and emerged as a significant factor for the promotion of financial inclusion in the lives of the to the formal banking system. However, under the concept of financial exclusion, SACCOs have the gap for the rural communities.
Influence of youth engagement strategies on insurance uptake among young people in Uganda case study mukono district local government
(Uganda Christian University, 2026-04-15) Dalian Ayesigwa
This study examined the influence of youth engagement strategies on insurance uptake among young people in Uganda, using Mukono District Local Government as a case study. It was prompted by low insurance penetration among youth despite their vulnerability to financial shocks and the growing use of digital and social media by insurers. The study assessed digital platforms and mobile applications, social media marketing, and financial literacy programs in enhancing youth awareness and uptake of insurance. Data were collected from 103 respondents using quantitative and qualitative methods and analyzed using descriptive statistics and Pearson correlation. Results showed a strong positive correlation between youth engagement strategies and insurance uptake at r = 0.733, p = 0.012. Socio-demographic findings revealed that 24.27% of respondents were aged 28-37 years, while 23.30% were 48-57 years. Males made up 54.37% and females 45.63% of the sample, indicating higher male participation. On employment, 47.57% were employed, 38.83% were students, and 13.60% were unemployed. On digital platforms, 64.1% agreed they use mobile apps to manage finances regularly with a mean of 3.81, and 67.9% preferred mobile apps to learn about financial services. Social media findings showed 63.1% used it as their primary source of insurance information, and 67.9% trusted insurance information shared on social media. Financial literacy programs improved understanding of insurance for 67.9% of respondents with a mean of 3.76, and 51.4% said the programs encouraged them to consider buying insurance
Credit risk management and financial performance in finance trust bank, Uganda
(Uganda Christian University, 2026-04-15) Winnie Nkata Nambuule
This study which examined credit management and the financial performance of financial institutions in Uganda was carried out at the Finance Trust Bank branch in Kampala. This study examined the effect of credit risk management practices on the financial performance of Finance Trust Bank (FTB) in Uganda. The research specifically investigated the influence of credit risk identification, assessment, and control practices on key financial performance indicators, including profitability, revenue growth, return on assets, and overall financial sustainability. The study concludes that effective credit risk management is critical for enhancing financial performance in Ugandan commercial banks. It recommends that FTB and other financial institutions continuously strengthen their risk identification, assessment, and control systems, including regular stress testing, collateral management, and use of advanced credit scoring models, to sustain profitability and minimize non-performing loan