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Recent Submissions
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
Psychological Wellbeing and Employee Engagement in Organisations: A Case Study of "Welcome Home" Organisation in Jinja District, Uganda
(Uganda Christian University, 2026-04-08) Shakira Namale
The study was conducted at Welcome Home Ministries Africa, a children's home serving young orphans in Jinja District, Uganda. The aim of the study was to examine the relationship between psychological wellbeing and employee engagement at Welcome Home Ministries Africa (WHMA). The specific research objectives were to: determine the influence of psychological wellbeing on employee engagement at WHMA; assess the levels of employee engagement among employees; investigate the relationship between psychological wellbeing and employee engagement; and identify factors influencing psychological wellbeing and employee engagement in the organization. Data was collected from a sample of 44 employees including caregivers, engaged for their response through survey and administrators, and support staff engaged through interviews. Quantitative data from the survey were analysed using SPSS software to generate Descriptive statistics including means, variance, standard deviations, mode and frequences and presented in tables and charts. Conversely, qualitative data arising from the interviews were analysed thematically using NVivo software and presented narratively. The study established that Psychological wellbeing among employees at WHMA is high across all measured dimensions; Employee engagement was exceptionally high, particularly in dedication and Vigor; There was strong descriptive evidence of a positive relationship between psychological wellbeing and employee engagement; and that, Organisational culture, positive relationships and growth opportunities are key drivers of wellbeing and engagement, while workload and stress variability represent areas for monitoring. In general sense, WHMA demonstrates characteristics of a psychologically healthy and highly engaged organisations, with minor areas requiring strategic reinforcement. The study thus recommended as follows: WHMA should establish or strengthen employee support initiatives to help employees cope with emotional demands associated with caregiving roles; Implement strategies to improve work-life balance to reduce potential stress and sustain employee wellbeing; Continue expanding training and professional development opportunities for employees to strengthen their competence and career growth; Introduce structured recognition programmes to reinforce employee motivation and engagement; nurturing a supportive and collaborative culture that encourages teamwork, open communication and mutual respect among staff members.
Financial Literacy and Retirement Planning Behavior Among Adults in Uganda
(Uganda Christian University, 2026-04-14) Tracy Vivian Asege
This paper has explored the significance of financial literacy as a motivation of retirement planning behaviour among Ugandan adult people based on three aspects: financial knowledge, the ability to compute financial education and heterogeneity by gender and education level. The research was based on a cross sectional quantitative design using primary data of the 2025 Uganda Financial Literacy Survey of 52 working adults. Four hypotheses were tested by using descriptive statistics and correlation analysis as well as ordinary least squares (OLS) regression with log linear specification and an interaction term. The findings indicated that financial knowledge ( = 0.182, p < 0.01) financial education (= 0.134, p < 0.05), and computation capability ( = 0.156, p < 0.01) significantly positively influenced retirement planning behaviour, with financial knowledge having the most significant effect. The advantages were not, however, evenly shared: male and higher educated adults had stronger literacy planning relationships, which was measured by significant interaction terms and subgroup regressions. The model was able to explain 61-68% of the variation in the retirement planning. The researchers conclude that financial literacy improves retirement preparedness; however, women and less educated adults who receive less benefit need specific interventions. Suggestions can be made to incorporate financial literacy into school curricula, increase gender sensitive education programmes, enhance training on computation skills, and enroll vulnerable population groups in formal pensions.
Keywords: financial literacy, financial knowledge, ability to compute, financial education, retirement planning, Uganda.
Waste Management Practices in Pharmaceutical Supply Chain and Their Impact on Sustainability Performance: A Case Study of Diocese of Jinja Medical Store
(Uganda Christian University, 2026-02-24) Mary Josephine Namugerwa
This study examined the waste management practices in the pharmaceutical supply chain and their impact on sustainability performance: A case study of the diocese of Jinja medical store. The study was guided by the following objectives; To assess the effect of coercive pressures on sustainability performance, mediated by waste management practices at the Diocese of Jinja Medical Store, to examine how normative pressures, influence sustainability performance, through waste management practices and to determine the effect of mimetic pressures on sustainability performance, via waste management practices.
The study was Grounded on Institutional Theory (DiMaggio & Powell, 1983), the research adopted a mixed-methods cross-sectional design, collecting data from 72 staff members (90% response rate) using questionnaires and key informant interviews. Quantitative findings revealed strong positive correlations between institutional pressures and waste management practices (r = 0.78 for coercive, 0.71 for normative, 0.69 for mimetic; p < 0.01), with coercive pressures (e.g., NDA regulations and donor requirements) exerting the strongest influence (β= 0.78, R² = 0.61). Waste management practices were rated highly (mean = 4.21/5), featuring effective segregation, PPE use, and NDA-compliant disposal, though reverse logistics for expired drugs remained a challenge. These practices strongly predicted sustainability performance (β = 0.85, R² = 0.72; mean = 4.27/5), enhancing environmental protection, worker safety, community well-being, and
institutional reputation. Qualitative insights highlighted that coercive pressures drove inspection-dependent compliance, while normative (professional ethics, religious values) and mimetic (imitation of Joint Medical Store) pressures fostered intrinsic motivation and practical adoption. Resource shortages, such as inadequate bins and delayed collections, undermined consistency and forced unsafe shortcuts. The study concludes that while coercive pressures ensure short-term gains, normative and mimetic pressures promote lasting sustainability. Persistent infrastructural limitations hinder full alignment with national guidelines.
Recommendations include enhanced training emphasizing intrinsic motivation, dedicated budgets for supplies, and policy support for reliable reverse logistics. This case contributes to understanding sustainable pharmaceutical waste management in resource-constrained, faith-based settings in Uganda, offering insights for policymakers and similar institution.
The Role of Sports Journalism in Promoting Youth Participation and Development in Uganda Sports: A Case Study of Uganda Christian University (Ucu)
(Uganda Christian University, 2025-12-18) Carl Loum
This study aimed at exploring the role of sports journalism in promoting youth participation and
development in Ugandan sports: a case study of Uganda Christian University (UCU). The study
was guided by the following objectives; analyzing the extent to which sports journalism influences
youths’ willingness to participate and develop their abilities in sports in UCU, identifying the
challenges faced by sports journalists in promoting the participation and development of youth
centred sports coverage in UCU, and suggesting strategies for enhancing the effectiveness of sports
journalism in promoting youth sports and development in UCU.
The study employed the use of a case research design where qualitative research approach was
used. The methods of data collection used during the study were obtained through in-depth
interviews and key informant interviews. A sample of 20 sports students was using the principle
of saturation and simple random sampling, whereas the key informants who are sports journalists
from The Standard UCU who cover sports activities in UCU and the management of sports
department in UCU were selected using purposive sampling method.
The study found that UCU's sports journalism program is very important for getting more young
people engaged and helping them get better at what they do. This is because it makes sure that
student players are known, encouraged, and praised. On the other hand, there are issues, like not
having enough money, bad communication, and not having enough people representing some
sports. This makes it hard to cover everything and make the tool better. According to the study,
the most important things for getting more people involved, making sure everyone felt welcome,
and helping people improve their skills were regular reporting, using digital platforms, showing
role models, and working with sports management.
Lastly, the study recommended the need for increasing and consistently maintaining coverage of
students sports, leveraging digital and social media platforms, highlighting student achievements
and role models, enhancing collaboration between the sports department and journalists, and
incorporating educational and skill-development content to boost visibility, engagement, talent
development, and sustained youth participation in sports at UCU.
Electronic purchasing implementation and supplier performance in manufacturing companies
(Uganda Christian University, 2026-04-17) Edina Anyango
The current research will be conducted to study the effects of implementation of e-procurement on the supplier performance in manufacturing firms. Due to the rising usage of IT systems in the procurement process, firms have started migrating from the traditional paper-based systems to e-systems for better effectiveness and efficiency of the procurement process. The research will focus on various elements of e-procurement implementation, including e-sourcing, eprocurement integration, and monitoring of the performance of suppliers using KPIs.Three research objectives have been identified for this research, which include evaluating the influence of e-sourcing on improving supplier performance, exploring the impact of integration of electronic procurement on supplier performance, and examining the correlation between adoption of e-purchasing and supplier performance in manufacturing organizations. The research design will comprise both qualitative and quantitative methods to gain a holistic perspective of the issue under investigation. The target population will be made up of 40 individuals within manufacturing organizations, whereas the sample size will be 36. The respondents will be selected using simple random sampling method. Both primary and secondary data will be collected using various instruments.The proposed research is based on the existing literature, which states that e-procurement leads to improvements in operational efficiency, decrease in the cost of procurement, increase in transparency, and improved collaboration between suppliers (Croom & Brandon-Jones, 2007; Teo, Lin & Lai, 2009). At the same time, some barriers like lack of technological capabilities, resistance to changes, and expensive implementation hinder the performance of e-procurement. The results of this research will offer valuable information regarding the optimization of electronic procurement systems in order to boost the performance of suppliers and improve
organizational efficiency
The effect of accounts receivables management on financial performance of small and medium enterprises in Uganda
(Uganda Christian University, 2026-04-17) Ivy Berna Lutara
The research aimed at finding out how small and medium enterprises manage their accounts receivable and how this impacts their performance financially in Kampala district. It mainly concentrated on issues like how they manage their credit policy, how they follow up on their customers on their payments and how they check their customers before giving them goods or services on credit. The research design adopted by this research was a correlational one. It aimed at finding out if there is a relationship between these factors and how they influence their financial performance. It targeted fifteen respondents who worked in different SMEs in different fields like the retail and service sectors. It mainly targeted business owners, accountants and finance managers since they are the ones who are mainly involved in managing their finances. Questionnaires were used to collect most of the information since they are considered to be more effective when collecting data. Later, some interviews were conducted to gather more information. The results indicated that SMEs made efforts in implementing credit policies but the majority did not adhere strictly to the policies. It was also observed that businesses that kept in touch with customers through reminders and constant communication had better cash flow. It was also observed that businesses that checking the customers’ credit helped in reducing cases where people did not pay as agreed. The results also indicated that there is a link between the management of receivables and the performance of the business. In conclusion, the management of receivables is vital in enhancing the performance of a business. SMEs should be more consistent in implementing the credit policies and the way they collect their debt. They should also be serious about customer evaluation in order to avoid some of the problems they are likely to face in the future.
Mobile money adoption on financial performance of small business enterprises in lira city
(Uganda Christian University, 2026-04-17) Nellisha Vivian Akech
Mobile money services have revolutionized financial landscapes in developing economies by providing efficient, accessible, and cost-effective digital tools for small-scale operations. This study investigated the relationship between the dimensions of mobile money services specifically mobile payments, mobile credit, and merchant payment systems and the financial performance of small enterprises (SEs) in Lira City. Despite the rapid growth of digital transactions in Uganda, many SEs continue to face high operational risks and financial instability, creating a need to determine how specific mobile money dimensions contribute to firm-level performance. The research employed a quantitative cross-sectional design, targeting a population of 1,200 SEs in Lira City. Using stratified random sampling, a sample size of 300 enterprises was selected. Primary data was collected through structured five-point Likert-scale questionnaires and semi-structured interviews. The collected data were analyzed using descriptive statistics and regression analysis to establish the predictive power of mobile money services on financial indicators such as profitability, liquidity, revenue growth, and cost efficiency. The findings revealed a statistically significant positive relationship between mobile money adoption and financial performance, with the model explaining 42% of the variation in performance. Mobile payments had the most substantial impact by enhancing sales turnover and reducing cash leakages, followed by merchant payment systems, which streamlined revenue tracking. Mobile credit, while significant, primarily served as a liquidity buffer for working capital. The study concludes that mobile money is a critical driver of operational efficiency and financial discipline. Consequently, it is recommended that SE owners transition toward integrated merchant systems (like MoMo Pay) and that policymakers strengthen digital literacy and regulatory frameworks to protect transactions. These practices are essential for ensuring the long-term sustainability and digital integration of small businesses in emerging urban centers.
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The impact of interest rate changes on the financial performance of commercial banks in Uganda: a case of equity bank-mukono branch
(Uganda Christian University, 2026-04-17) Sharon Musiime Nuwahereza
The study examined the impact of interest rate changes on the financial performance of commercial banks in Uganda: a case of Equity Bank-Mukono Branch. It specifically focused on; examining the relationship between lending rate changes and financial performance, establishing the relationship between deposit rate changes and financial performance, and assessing the relationship between monetary policy rate changes and financial performance of Equity Bank. The study was carried out using a cross sectional survey research design where both quantitative and qualitative research approaches were also used. The data was collected using questionnaires and interviews and during data collection; both purposive and stratified sampling methods were used. A sample size of 52 respondents who are management and employees of Equity Bank, Mukono branch was also used in the study. The study findings revealed that interest rate changes significantly and positively affect the financial performance of Equity Bank–Mukono Branch. Lending rate changes influence loan demand and interest income and are positively correlated with financial performance (r = 0.636**, p < 0.05), while deposit rate changes affect deposit mobilization and liquidity, showing a strong positive relationship (r = 0.674**, p < 0.05). Monetary policy rate changes also affect pricing, lending capacity, as well as profitability, which has significant positive correlation with financial performance, (r = 0.605 **, p < 0.05), which shows that the management of interest rates can positively impact the performance of banks. Lastly, the study recommended that Equity Bank, Mukono Branch, should strategically manage changes in lending rates, as well as deposit rates, while improving training for the staff on how changes in interest rates affect the operations of the bank, so that lending, deposit, as well as investment decisions can be positively impacted by central bank monetary policies
The impact of sustainability practices on coffee value chaine
(Uganda Christian University, 2026-04-17) Alex Wanzala
This study sought to investigate the effect of sustainability practices on the coffee value chain in the Elgon Region of Uganda, with special reference to Bugisu Cooperative Union in Mbale District. The study was guided by objectives that included an examination of the effect of sustainability practices on the performance of the coffee value chain. The study used a descriptive research design with both qualitative and quantitative aspects. The study targeted small-scale coffee farmers who were members of the cooperative union. The study was based on the assumption that sustainability practices such as the use of agroforestry, shade trees, reduction of chemical use, fair trade practices, and farmer participation were important in improving the performance of the coffee value chain. The study found that sustainability practices have a positive effect on the performance of the coffee value chain. For instance, the study found that agroforestry practices improved the fertility of the soil. The study also found that farmer participation was important in improving the performance of the coffee value chain. The study concluded that sustainability practices were important in improving the performance of the coffee value chain. The study recommends that sustainability practices should be encouraged in the coffee value chain in Bugisu Region. The study further recommends that the government should establish training centres for small-scale coffee farmers to enhance their understanding of sustainability practices.
The effect of forensic accounting in combating corruption in government agencies in Uganda
(Uganda Christian University, 2026-04-17) Ritah Naigaga
Corruption has remained one of the major challenges affecting the performance and credibility of government agencies in Uganda. Despite the many reforms and measures instituted, the incidence of embezzlement, procurement fraud, and financial malpractices continues to manifest itself, thereby undermining public service delivery. This study sought to investigate the impact of forensic accounting in the fight against corruption in government agencies in Uganda.The study was guided by four major objectives: to investigate the role of forensic accounting in the identification of corruption, to investigate the effectiveness of forensic accounting techniques in the prevention and control of corruption, to identify the challenges facing forensic accountants, and to identify strategies for improving the use of forensic accounting in the fight against corruption. A descriptive research design was used, which integrated both qualitative and quantitative approaches. The study targeted selected government agencies, including the Uganda Revenue Authority, the Office of the Auditor General, and the Inspectorate of Government. The study used structured questionnaires and interviews to obtain relevant information, which was analyzed using descriptive statistics and thematic analysis to arrive at meaningful conclusions. From the findings, it is evident that forensic accounting is vital in the examination and discouragement of corruption through auditing, fraud examination, and evidence-based reporting. However, the effectiveness is constrained by various factors, including inadequate technical skills, insufficient technological tools, inadequate implementation of recommendations, and insufficient institutional support. The study has shown that forensic accounting is a vital tool in enhancing transparency and accountability in government agencies. It is recommended that more training is needed in the field of forensic accounting, advanced forensic technology should be acquired, and forensic audit departments should be set up in all government ministries and agencies to combat corruption.
EMPLOYEE TRAINING AND JOB SATISFACTION: A CASE STUDY OF ROOFINGS UGANDA
(Uganda Christian University, 2026-04-17) Patricia Duggan Nakabiito
This research examined the effect of employee training on job satisfaction of Roofings Uganda Limited, which is the major producer of construction materials in Uganda. The research was guided by three objectives: to identify the effect of current training programs on job satisfaction, to identify the challenges faced in implementing training programs and their impact on employee satisfaction, and to determine the effect of on job training on employee satisfaction. The research design was cross-sectional research design with a mixed approach. A sample of 44 respondents out of a population of 50 employees was used to gather the data through structured questionnaires with a five point Likert scale with a 100 percent response rate. Descriptive (frequency, percentages, means, and standard deviations) and inferential statistics (Pearson correlation and multiple regression analysis) were used to analyse quantitative data
using SPSS version 26.0 and thematic analysis were used to analyse qualitative data. The results indicated that there was a strong positive correlation between the current training programs and job satisfaction (r = .623, p < .01; β =.312), but post-training feedback (Mean = 3.18) and recognition (Mean = 3.27) were weak. Technical issues during implementation especially lack of budgetary allocation (Mean = 3.61) and lack of training facilities (Mean = 2.89) had a negative impact on job satisfaction ( -.198 =.029). On-job training proved to be the most powerful indicator of job satisfaction (r =.715; 745 =.445, p <.001), and employees preferred mentoring and hands-on training (Mean = 3.75). The authors concluded that although formal training had a positive initial influence, the long-term effectiveness of formal training was undermined by ineffective engagement after training and system resource limitations; but on-job training proved to
be the best modality of employee satisfaction. The research suggested formalisation of on-job training into company policy, ring-fencing of training budget, adoption of Kirkpatrick model of evaluation and participatory training needs assessment. Future studies ought to take into account longitudinal studies and moderating impact of organisational culture in the East African manufacturing environment.
The effect of intrinsic and extrinsic motivation on employee Performance in small and medium enterprises
(Uganda Christian University, 2026-04-17) William Ingabat
This study examined the effect of intrinsic and extrinsic motivation on employee performance in SMEs in Kampala City. Using a mixed-methods approach, data were collected from employees and managers through questionnaires and interviews. The findings revealed that intrinsic motivation such as job satisfaction and personal growth and extrinsic motivation such as salary and rewards both positively influence employee performance. However, a combination of the two was found to produce the best results. The study concludes that effective motivation strategies are essential for improving employee performance and recommends that SME managers balance both intrinsic and extrinsic motivators.
Influence of socioeconomic factors on household financial welfare in uganda
(Uganda Christian University, 2026-04-16) Nancy Esther Guo
This paper examined the impact of socio-economic variables on the household financial welfare in Uganda based on nationally representative data of the Uganda National Household Survey (UNHS) 2023/2024. Consumption per adult equivalent and poverty status were used to measure the financial welfare of households. The study analyzed the influence of the level of education, employment status, and the number of people in the household on the household’s financial welfare, taking into consideration the age, the sex of the household head, and the place of residence. It was a quantitative cross-sectional research design. To consider the complex survey design, the analysis used survey-weighted descriptive statistics, linear regression, and logistic regression models based on the use of STATA 17. The results showed that secondary education has a great impact on improving the household financial welfare as well as minimizing the chance of poverty. But higher education did not have a statistically significant impact on the provision of welfare. The relationship between employment and household financial welfare was found to be statistically significant and negative, indicating the prevalence of low-productivity and informal jobs in Uganda. It was also found that the household size had a negative and statistically significant influence on financial welfare and highly increased the likelihood of poverty in households. Urban living was linked to better welfare and reduced risks of poverty. The study concludes that education, employment, household demographics, and location are major factors that determine the household’s financial welfare in Uganda. It suggests that more should be invested in secondary education, that quality and productivity of employment should be improved, the rural development strategies should be reinforced, and the policies should be taken to regulate demographic pressures focused on improving sustainable household welfare.
Keywords: Socio-economic factors, Household financial welfare, Consumption per adult equivalent, Poverty, Uganda, UNHS 2023/24.
Loan default and the sustainability of microfinance institutions a case study of Finca Mukono branch
(Uganda Christian University, 2026-04-16)
This paper examined how default on loans affects the financial sustainability of the Mukono Branch of FINCA Uganda, a microfinance institution (MFI) that operates in a semi-urban environment in Uganda. The study was based on the information asymmetry theory as proposed by Stiglitz and Weiss (1981) and aimed to test the role of institutional, borrower, and macroeconomic variables in causing defaults and the consequent impact on main sustainability indicators. The study used a mixed-method case study design, which involved gathering, and the triangulation of data on 36 employees through questionnaires, six in-depth interviews with key informants, and a review of the branch financial records in the years 202025. The data were analyzed using descriptive statistics, multiple regression analysis and thematic analysis. The results showed that there was a definite post-COVID recovery path, and Non-Performing Loan (NPL) ratios decreased, going to 18.0% in 2020 and 8.5% in 2025; Operational and Financial Self-Sufficiency increased to 115% and 110, respectively. Borrower-specific attributes such as multiple borrowing, low financial literacy, and health crises were also determined as the strongest predictors of default ( 0.45, p < 0.001). Other negative impacts were also significant with institutional (high workload of staff and lack of monitoring) and macroeconomic (post-pandemic disruptions and inflation) factors. The regression model was able to argue out 68 percent of the overall impacts on perceived sustainability (R 2 = 0.68, p = 0.001). The research finds that although loan defaults are a major challenge to the sustainability of MFI, specific management of client risks, institutional capacity enhancement and responsive measures to economic shocks can help ensure long term sustainability. Some of the recommendations made are to build capacity to enhance the capacity to screen borrowers and financial literacy programs, enhance staff capacity to monitor clients and promote credit information sharing across the sector to reduce over-indebtedness, which
eventually builds the long-term financial inclusion agenda of MFIs in Uganda.
Factors Determining Acess To Credit in Uganda
(Uganda Christian University, 2026-04-16) Tracy Atuhaire
The objective of the current study, therefore, is to explore the effects of socio-economic factors, institutional factors, and financial literacy on credit access in Uganda, since the issue of financial exclusion persists in spite of all the efforts made within the sector. Therefore, this paper considers the impact of socio-economic characteristics, institutional constraints, and financial literacy on the ability of Ugandan adults to obtain credit. For the research, secondary data were collected via the nationally representative Fin Scope Consumer Survey Uganda 2023. A total of 3,176 Ugandan adults were selected as a working sample and were analyzed using descriptive statistics, correlations, and Binary Logistic Regression.
As the results show, there is a noticeable paradigm shift in the constraints on accessing credit, with nearly 59% of respondents not having access to any credit within the last year. Socio-economic and institutional factors such as gender, living in an urban area, and traveling distance to banks were statistically insignificant once other variables were taken into account. Institutional trust and awareness of digital lending platforms became prominent supply-side constraints, while multi-dimensional financial literacy, which includes educational literacy, financial autonomy, digital literacy, and debt-related attitudes, proved to be a powerful predictor of credit access. The main findings of the research indicate that the phenomenon of financial exclusion in Uganda has evolved from one that is characterized by geographic and physical barriers into one that is characterized by digital and knowledge barriers. This implies that efforts should be put towards aggressive consumer education campaigns coupled with strong protection mechanisms and creation of user-friendly financial products.
Employee training and organizational productivity: a case Study of rwenzori bottling company limited, mukono
(Uganda Christian University, 2026-04-16) Patience Kyokutamba
This paper has looked at the impact of training workforce on the productivity of an organization in the example of Rwenzori Bottling Company Limited, Mukono. It has discussed some of the popular training methods that involve training through the workplace, seminars and workshops, mentoring and coaching, through e-learning and online classes, through classroom training and team building. In the survey carried out upon the employee it turned out that in most cases there was a positive attitude towards such training programmes. On job training and workshops were particularly popular as it promoted the learning process and collaboration. Although mentoring and coaching ended up being wavering in terms of acceptance, it is very likely that the adoption of the said practices can be enhanced. The flexibility of e-learning systems was an advantage of the systems in that they were able to support the diverse learning needs. In the classroom-based training, face-to-face training was used to encourage face-to-face interaction, which is critical in addressing complex problems, and team building activities were effective in improving communication and collaboration among employees. Overall, the results show the most significant importance of systematic and diversified training programs in determining the formation of skills of employees, their productivity promotion, and the correspondence of their personal interests to the organisational ones. The research establishes that the overall training plans should be continued in order to improve the level of satisfaction among employees and organisational performance.
Ethical procurement practices and their role in enhancing organizational reputation
(Uganda Christian University, 2026-04-15) Monica Kulang Karama
The research was to evaluate ethical procurement practices roles in enhancing organizational image, focusing on the research variables of transparency, fair supplier selection, and compliance and procurement standards. Ethical procurement is has become increasingly significant as companies seek to build trust, and demonstrate responsible a resource management within its frameworks. This research will examine how the ethical practices like open tendering, fair
supplier selection and adherence to regulatory compliance influence peoples’ perception on integrity among the donors, suppliers, employees and the public at large. Using a quantitative research and structured questionnaires, data was collected to investigate the extent to which ethical procurement is implemented and how it correlates with organizational image, indicators for instance trustworthiness, ethical image, and stakeholders’ satisfaction. The findings are
expected to clear it identify the consistency of ethical procurement practices applied to enjoy stronger reputational outcomes for example improved relationships with stakeholders, and support from developmental partners. The study contributes to procurement and organizational management literature by providing knowledge into how ethical behavior in procurement can serve as a strategic tool for enhancing institutional image.