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The effect of frontline staff training on perceived service quality at canary hotel and gardens in Uganda.
(Uganda Christian University, 2026-04-15) Fauziah Namugga
The study was based on the effect of frontline staff training on perceived service quality at Canary Hotel and Gardens in Uganda. The study objectives were to examine the service quality in hospitality industry, examine the various indicators of frontline staff training in hospitality industry and to establish the effect of frontline staff training on perceived service quality in hospitality industry. The study used cross-sectional study design because it was the most appropriate given the nature of the objectives and limited time available to conduct this research. The design was adopted to observe the opinions and the respondents’ feelings about the study. A Sample of 55 respondents was selected for the study. The study found out that frontline staff training at Canary Hotel and Gardens enhances communication across different levels of the hotel, boosts employee morale, and allows staff to strengthen specific skills needed for their roles. It builds employees’ confidence by providing a deeper understanding of the hospitality industry and their job responsibilities. The study concluded that training contributes to job security and job satisfaction, ensures that employees deliver consistent and high-quality service, motivates staff, and increases their capacity to adopt new technologies. In addition, the training of frontline staff significantly contributes to improved perceived service quality and enhances overall hotel performance. The study further recommended that the management should implement structured training programs for all frontline staff to improve service quality and hotel effectiveness. Training initiatives should clearly define objectives, required activities, areas for improvement, budgets, timeframes, and steps to achieve the desired outcomes, thereby enhancing labor efficiency. Strategic planning of staff training is essential; management should recognize that failure to plan training properly can compromise service quality. Top management should provide strong support to all departments by equipping frontline staff with the skills necessary to perform their duties efficiently.
Corporate governance practices and financial performance of a manufacturing company a case study of coca cola beverages Uganda LTD
(Uganda Christian University, 2026-04-15) Jennifer Amek
The sought to establish how board composition affects financial performance, how effective the audit committee is, and how transparency and disclosure could impact financial performance. To achieve these goals, the research employed a mixed research design using the explanatory sequential method. The team gathered quantitative data through structured questionnaires answered by 27 respondents and backed up the results with secondary financial information.
Financial performance, based on the perceptions of the respondents, was measured using a five-item instrument on a Likert scale. Descriptive statistics, correlations, and multiple regressions were employed using SPSS to analyze the data.
The results indicate that there are strong and positive opinions regarding corporate governance practices, with the effectiveness of the audit committee being the highest (mean = 4.36). The second highest was transparency (mean = 4.28), followed by board composition (mean = 4.02). The correlations indicate that there are strong positive relationships between people’s perception of corporate performance and corporate governance practices, with the effectiveness of the audit committee being the highest (r = 0.81, p < 0.01). The second highest was transparency (r = 0.61, p < 0.01). Board composition was also significant (r = 0.44, p < 0.05). In the regression results, the three corporate governance practices explained 78.5% of the variation in perceived financial performance (R2 = 0.785, p < 0.001). The effectiveness of the audit committee was found to be the most important factor in perceived financial performance. The implications of this study are that good corporate governance has important implications for corporate performance outcomes and stakeholders’ perception of corporate financial performance outcomes, thereby making the organization more resilient
and reducing agency costs. The recommendations are to emphasize audit committee expertise, reinvigorate whistle-blowing mechanisms, and improve board diversity. The study has implications for corporate governance in Uganda’s private manufacturing sector.
Barriers to accessing health services among Ugandan households
(Uganda Christian University, 2026-04-15) Kisa Elvis
Health services are one of the key aspects of human welfare and socio-economic development. Although the Ugandan government has been agitating to promote free primary care, it appears that many families still find it hard to access the required care. In this paper, the researcher examines economic, geographic, cultural and system level challenges that prevent Ugandan households to resort to formal health services. The research adheres to a quantitative cross-sectional study design that retrieved secondary data (UNHS,2024) of Uganda. We then proceed to run descriptive statistics and binary logistic regression to understand what actually drives the ability of households to access health services. The findings indicate that the largest factor is whether a household is well at the family level and the location where they reside. As it happens, poor families and those who are in rural locations are most affected. In brief, the greatest impediments to healthcare in Uganda are still money issues and geographic isolation. The article recommends improving financial protection strategies, bridging the rural-urban gap in healthcare delivery, and increasing the services provided and their quality, particularly to under-served areas. All this provides some helpful ideas that can be advocated by policymakers to advance fairer access to healthcare and to achieve the goals of Universal Health Coverage in Uganda.
Impact of digital technologies on financial performance of commercial banks in Uganda: a case study of absa bank Uganda, mukono branch
(Uganda Christian University, 2026-04-15) Lucy Akech
The study examined the effect of digital technology on the performance of Absa Bank of Uganda Ltd Mukono Branch with particular attention to the effect of adopting mobile banking, internet banking and cyber security measures. A descriptive survey research design was used with collection of data through the use of structured questionnaires on a sample size of 42 employees giving a good response rate of 95.5%. followed by its positive influence on profitability (mean score = 4.24, 88.1%). Implementation of internet banking had the greatest impact among the three factors (overall mean score = 4.17), with lowering processing time being rated very highly (mean score = 4.26, 90.5%) alongside efficiency in branches (mean score = 4.22, 88.1%). Cybersecurity positively affected financial performance (mean score = 4.05), with the most highly agreed-upon factor being the development of client confidence (mean score = 4.19, 88.1%), followed by sustained profitability (mean score = 4.07, 85.8%). Perceptions of financial performance were very positive (mean score = 4.17), where profit maximization recorded the highest score of 4.26 (90.5%). The results indicate that digital technologies have a substantial positive effect on financial performance in the semi-urban setting, which translates into better revenue growth, efficiency, savings, and customer trust. Based on the results, recommendations for future research could be made. First, there should be greater efforts by commercial banks in marketing their products and services through mobile and internet banking. Second, the training and investment in cyber security technology should be increased. Third, better communication about efficiency savings in banks should be established. Fourth, policies should be put in place to support the adoption of digital technologies in semi-urban settings.
Exploring the opportunities and challenges of integrating artificial intelligence in human resource management: a case study of ministry of finance, planning and economic development
(Uganda Christian University, 2026-04-15) KIYONJO SHARON RUTEERA
This study examined the opportunities and challenges of integrating Artificial Intelligence (AI) in Human Resource Management (HRM) at the Ministry of Finance, Planning and Economic Development (MOFPED) in Uganda. The study was guided by three objectives: to assess the potential benefits of AI in HR functions, to identify challenges affecting its adoption, and to propose strategies for effective implementation. A mixed-methods research design was employed,
combining both quantitative and qualitative approaches. Data was collected from HR personnel, line managers, and IT staff using structured questionnaires and interviews, and analyzed using descriptive statistics and thematic analysis.
The findings revealed that AI offers significant opportunities for improving HRM functions, including enhancing recruitment efficiency, reducing bias in employee selection, supporting data-driven decision-making, improving performance monitoring, and identifying employee training needs. In addition, AI was found to enhance communication between HR departments and employees through automated systems such as chatbots. However, the study also identified key
challenges hindering AI integration, including high implementation costs, lack of technical expertise, employee resistance due to fear of job displacement, data privacy concerns, inadequate ICT infrastructure, and the complexity of AI systems. The study concludes that although AI has strong potential to transform HRM in public institutions, its successful adoption requires strategic planning, investment in infrastructure and skills development, and the establishment of clear policy frameworks. The study recommends gradual implementation of AI systems, continuous staff training, and increased awareness to enhance acceptance and sustainability within the Ministry.
Mobile money adoption and financial inclusion in jinja city
(Uganda Christian UNiversity, 2026-04-15) Ibrahim Waidid
The study sought to examine how people use mobile money services and how this contributes to financial inclusion in light of the increased use of digital financial services in urban centers. While many people have access to mobile money services, the real question is how this translates to financial inclusion and quality services for users. The study sought to answer this by employing the Technology Acceptance Model, the Unified Theory of Acceptance and Use of
Technology, and the Financial Intermediation Theory. The study design was a mixed research design that used both qualitative and quantitative data. The study used a questionnaire to collect data from 42 respondents of the general public and small and medium-sized enterprises operating in Jinja City. The study also used key informant interviews to collect data from 5 different sources. The study used descriptive statistics to measure the level of mobile money adoption. The study also used regression and correlation tests. The results revealed a high adoption rate of mobile money services by the people of Jinja City, mainly based on perceived usefulness (M = 4.22) and ease of use (M = 3.90). The results for
financial inclusion revealed a high level of accessibility to financial services (M = 4.36) but a moderate level of financial usage (M = 3.29). However, the quality and affordability of services were rated low (M = 2.54), indicating that the availability of mobile money services does not necessarily imply a higher financial participation. The study established that mobile money services are highly adopted among individuals in Jinja City, primarily based on usefulness (M = 4.22) and ease of use (M = 3.90). The study on financial inclusion established that individuals in Jinja City are highly accessible to financial services (M = 4.36) but moderately financially included (M = 3.29). However, individuals rated
quality and affordability of services low (M = 2.54), indicating that mobile money services do not imply that individuals are financially included. The study established that mobile money services are positively, strongly, and reliably related to financial inclusion results (\(r\) = 0.704, p < 0.01). This indicated that 49.6% of financial inclusion results could be explained by mobile money services. The study was also supported by interview results, which indicated that high transaction costs, taxation, trust, and digital literacy are inhibiting factors of financial inclusion. From the study, it is clear that mobile money plays a crucial role in the integration process in Jinja City. There is a policy gap and operational gap that inhibit the potential for financial integration. The gap can be closed by introducing reforms and reducing costs and training in digital skills that can help in enhancing financial integration.
The effects of mobile money on financial inclusion and management among street vendors on jinja main street, Uganda
(Uganda Christian University, 2026-04-14) Joanna Kirabo
This study examined the effects of mobile money adoption on financial inclusion and management among street vendors on Jinja Main street, Uganda. The research was driven by the need to evaluate how digital financial services bridge the gap for unbanked informal traders in urban settings. Chapter One introduces the study, highlighting Uganda’s rapid mobile money growth and the problem of limited documentation regarding its impact on the financial behaviors of street vendors. The primary objectives were to assess the impact of mobile money usage on financial inclusion, evaluate its role in facilitating savings and credit, and identify structural challenges faced by vendors.
Chapter Two provides a conceptual and empirical review of literature, identifying a gap in how daily digital transactions translate into long-term financial management. The review establishes that while mobile money has increased national financial inclusion to 66%, informal workers still face unique barriers to formal credit. Chapter Three details the research methodology, employing a descriptive survey design and a mixed-methods approach. Using Yamane’s formula, a sample of 171 vendors was targeted, yielding 165 valid responses. Data were analyzed using SPSS for descriptive statistics, Pearson correlation, and regression analysis. Chapter Four presents the findings, revealing a 100% adoption rate among respondents. Correlation analysis showed a strong positive relationship (r = 0.615) between mobile money usage and improved financial management. Regression analysis indicated that mobile money adoption explains 41% of the variance in financial inclusion. While efficiency in receiving payments scored highly (Mean = 4.60), access to digital credit remained moderate due to rigid algorithms. Chapter Five concludes that mobile money has successfully revolutionized transactional security and cash flow management for vendors but has not yet fully unlocked business expansion through credit. The study recommends that telecom providers introduce subsidized transaction tiers for micro-vendors and that the government improves network infrastructure to ensure the sustainability of the informal digital economy.
Role of household enterprises in the creation of employment among Ugandan households
(Uganda Christian University, 2026-04-14) Pasqual Jeremiah Nangiro
Household enterprises continue to be a staple of the Uganda labour market by taking on workers locked out of formal labour and also offering a valuable avenue of livelihood diversification. However, their real contribution to occupations’ creation as well as factors that inform this contribution are not well understood. This research analyses the contribution of household enterprises to the creation of employment in Ugandan households on the basis of nationally representative micro data on the Uganda National Household Survey (UNHS) 2023/24. These objectives were to examine whether with household enterprises, the extent of job creation is influenced by individual enterprise characteristics, to examine how household socioeconomic factors influence employment outcomes in household enterprises. The analytical design used was a cross section and was based on the household and enterprise modules of the UNHS. The research has used econometric models such as Poisson and Negative Binomial regressions to produce the fluctuations in the creation of employment and some of the most important predictors. The estimation was done through the use of Stata whereby careful compliance with the survey design (weights, strata, and primary sampling units) was meticulously followed to guarantee population-representative estimates. Results showed that as much as household enterprises are common and continue to play an important role in self-employment and additional earnings, they have a small effect of generating employment opportunities, with most enterprises functioning in small, informal entities employing minimal or no extra employees. As implied by the economic endowment, the stronger and better the household had the human capital, the more likely the enterprises operated were able to hire external labour. This research concludes that household businesses are significant in the employment situation in Uganda but they are limited by structural constraints which do not allow them to generate more employment opportunities. To boost their employment-creating capacity, their employment-generating capacity needs specific interventions to enhance the availability of capital, enterprise capacities, market expansion and spatial disparities in infrastructure and economic opportunities. These findings indicate the relevance of concerted strategies of developing enterprises considering the dual household-enterprise nature of this form of businesses. The research suggests the growth of the financial inclusion programmes to the micro-enterprises, the introduction of the business development services to the districts, increasing the rural infrastructure, and setting sector-specific upgrades of the high potential categories of enterprises. The ongoing studies can be extended to understand the dynamics of enterprise survival and moving to high productivity segments over time.
Household debt as a consumption-smoothing mechanism among borrowing households in Uganda: An Econometric Analysis Using the UNHS 2023/2024 Data.
(Uganda Christian University, 2026-04-14) Alvin Peter Ariho
This study analyses the role of household borrowing in the process of consumption smoothing during food-insecurity shock in Uganda based on the results of the Uganda National Household Survey (UNHS 2023/24). The comparison of the total consumption and food consumption uses as a welfare measure which includes the debt intensity, asset ownership, demographic properties and place of residence. The measure of food insecurity is based on a binary shock variable, and also a severity index based on the Food Insecurity experience scale. The survey-weighted regression models used are based on robust standard errors, descriptive statistics and subgroup analyses of differences between urban
and rural and asset-based. The results show that food insecurity shocks have a negative effect on household consumption, with severity-based estimates indicating that households experiencing food insecurity record approximately a 32% reduction in consumption levels. In addition, borrowing is positively related to consumption levels, where an increase in debt intensity is associated with about a 3.6% to 5.6% increase in household consumption, suggesting
that credit helps relax short-term liquidity constraints. However, when examining the consumption-smoothing role of debt, the interaction between food insecurity shocks and borrowing is negative and statistically significant, indicating that borrowing does not effectively offset the adverse effects of shocks and instead reflects distress borrowing in many cases. Furthermore, this relationship varies across household groups, with rural and low-asset households experiencing stronger negative interaction effects, while urban and more asset-endowed households show weaker or insignificant effects and are therefore more resilient. The study concludes that credit alone is insufficient to cushion the vulnerable households in times of food-insecurity shocks and that credit can only help to support the short-term welfare. In order to achieve sustainability in consumption in Uganda, it is necessary to strengthen social protection and asset-building policies.
Keywords: Consumption Smoothing, Household Debt, Food Insecurity, Welfare, Uganda.
Risk management practices and financial performance of small Scale businesses in kamuli district
(Uganda Christian University, 2026-04-14) Diana Nanyanzi
The study aims to examine the relationship between risk management practices and financial performance of small scale businesses in Kamuli district. This study examined the risk management practices adopted by small scale businesses, assessed the impact of risk management practices on financial performance and identified the challenges that are faced by small scale businesses. In implementing risk management practices, this study used cross sectional approach to collect data from respondents that were selected in the sample size among the small scale businesses in Kamuli district.
Determinants of urban household concentration in Uganda: a regional analysis using 2023/2024 survey data.”
(Uganda Christian University, 2026-04-14) Jesse Magezi
Urbanization can also be noted as one of the most influential structural changes that are defining the developing economies in the twenty first century. Nonetheless, geographical distribution of urban households may be mirroring profound region inequalities and not nationwide transition. The present research investigates a model of urban household concentration in Uganda by employing codified 2023 large-scale nationally representative survey statistics on households. In
particular, it examines whether the status of region and time of year affects the likelihood of a household to be urban greatly. The paper relies on the structural transformation theory and spatial inequalities frameworks to identify how a binary logistic regression model, which is estimated using Maximum Likelihood Estimation, is used to analyse the data. These findings indicate that the regional location has been found to be the main determinant of the urban classification.
Compared to the Central region, the Northern, Eastern, and Western regions have households with far lesser odds of being urban confirming excellent spatial concentration. Conversely, the annual change between the 2023 and 2024, monthly seasonality are statistically insignificant, as it implies that urban settlement patterns in Uganda are stable as opposed to volatile in terms of time. The results offer micro-economic data of geographical differences in settlement patterns and support the significance of spatially balanced growth techniques. The paper determines that the key elements to implement in promoting sustainable urban transformation in Uganda include regional investment, mastering of secondary urban centres and mandatory coordination of regional planning systems.
The Impact of Mobile Money Services on the Performance of Small and Medium Businesses in Uganda. A Case Study of Ntinda Business Area
(Uganda Christian University, 2026-04-14) Allan Sonny
The study sought to find the link that exists between mobile money services and the performance of small and medium enterprises in Ntinda. Mobile money services are expanding at a rate that is extremely high in Uganda, and this has affected the way in which business operations are carried out in the country. Most small and medium businesses are highly affected by mobile money services in the way in which they are able to run their operations. Despite the expansion of mobile money services in the country, there has been limited evidence that shows the level at which mobile money services influence the performance of small and medium enterprises, thus the need to find out whether mobile money services help in improving the performance of small and medium enterprises in terms of the growth of sales, the profits that are made, the efficiency of the business, and the way in which the finances are managed. The main aim of the study was to find out whether there is a positive link that exists between mobile money services and the performance of small and medium enterprises in Ntinda. Quantitative research was then employed in the study, and the quantitative research was done using the descriptive research design. The study sampled 67 business owners using simple random sampling techniques. The researcher used the structured questionnaires in collecting the data for the study. The study was analyzed using the Statistical Package for Social Sciences (SPSS). The researcher was able to determine the relationship between mobile money services and the performance of small and medium enterprises using the Pearson correlation analysis. On the other hand, the researcher was able to determine the extent to which mobile money services predict the change in the performance of small and medium enterprises using the regression analysis. The findings from the study showed that there is a positive and statistically significant relationship between mobile money services and the performance of small and medium enterprises (r = 0.768, p < 0.05). The findings from the regression analysis showed that mobile money services account for 59% of the variability in the performance of small and medium businesses, which indicates that mobile money is a major contributing factor to business success in the study area for this case, Ntinda. The findings from the study also went on to confirm that an increase in mobile money services leads to an increase in performance for small and medium enterprises. This therefore indicates that mobile money services improve the efficiency of a business, reduce transaction costs for a business, improve record-keeping for a business, increase sales, and improve customer satisfaction. The study then draws a conclusion that mobile money services play an essential role in improving the performance of small and medium businesses in Ntinda. The findings provide evidence that if mobile money services are adopted and highly used, they can have a positive influence on the growth and sustainability of a given business. The study then recommends that small and medium business owners should continue embracing mobile money services, and the government should also promote environments that support the growth of digital financial inclusion to strengthen the performance of small and medium businesses.
Internal Control Systems and Operational Performance in an Organisation: A Case Nof Medical Teams International
(Uganda Christian University, 2026-04-14) Ronah Kabazarwe
The study examined the effect of internal control systems on operational performance in an organisation: a case of Medical Teams International (MTI). It specifically focused on; assessing the effectiveness of internal control systems in enhancing operational performance, finding out the types of internal control systems used in trying to enhance operational performance and identifying the challenges encountered in implementation of internal control systems and suggest possible solutions to overcome them. The study was carried out using a cross-sectional survey research design where quantitative research approach was also used. The data was collected using questionnaires and during data collection, simple random sampling method was used. A sample size of 92 respondents who are employees of Medical Teams International was also used in the study although 80 of these responded to the questionnaires. The study findings established that internal control systems greatly improve operational performance in Medical Teams International by raising efficiency, timely task completion, resource utilization, risk reduction, and quality of operations. The results also showed that the company uses important internal controls like monitoring and supervision, internal audits, separation of duties, risk assessment, permission procedures, and good communication systems. However, despite the efforts made to address the challenges, it was found out that some issues such as ineffective risk assessment methods, inadequate employee training, unethical considerations and compliance, inadequate management commitment, and insufficient funding and technological capability continued to affect the effectiveness of internal control system. Lastly, the study concluded that there is a need for enhancing the internal control system through proper monitoring, auditing, and supervision; improvement of risk assessment methods; employee training and capacity development; adequate management support with enough
Risk Management Practices and Financial Performance of Small-scale Businesses a Case Study of Mukono Central Division
(Uganda Christian University, 2026-04-14) Derrick Micheal Odongo
This study examined how risk management practices affect the financial performance of Small and Medium Enterprises in Mukono Central Division, Uganda. The study focused on three objectives: establishing the effect of risk identification on financial performance, determining the effect of risk assessment on financial performance, and examining the effect of risk monitoring on financial performance. A cross-sectional survey design was used to collect data from 63 SME owners and managers through a structured questionnaire. The data analysis techniques included the use of descriptive statistics, Pearson correlation, and simple regression. The results revealed that risk identification had a strong positive influence on financial performance, with a correlation coefficient of .622 and p < .01, indicating that risk identification explained 38.7% of the variance in financial performance, as revealed by the regression coefficient of β = .622 and p < .01. Though most firms regularly identify financial risk, with a mean of 3.67, very few firms use formal identification techniques, with a mean of 3.05. Risk assessment also revealed a moderately strong positive influence on financial performance, with a correlation coefficient of .587 and p < .01, indicating that risk assessment explained 34.5% of the variance in financial performance, as revealed by the regression coefficient of β = .587 and p < .01.Documenting findings of risk assessments, however, recorded the lowest score of all risk management practices, with a mean of 2.97, indicating that most SMEs do not document the results of their risk assessments. Risk monitoring revealed a moderate positive influence on financial performance, with a correlation coefficient of .541 and p < .01.Evaluating the effectiveness of the risk control measures was the least monitored activity, with the mean at 2.90. In terms of financial performance, the SMEs have the capacity to meet their financial obligations, as indicated by the mean of 3.86. The study established that risk identification, assessment, and monitoring all played important roles in the financial performance of the SMEs, with risk identification having the greatest impact. However, the SMEs undertook the activities in an informal manner without documentation of the results, which lessened their effectiveness. It is recommended that the owners of the SMEs adopt risk management tools, document the results of their risk assessment, monitor their risk control measures, and strive to build financial reserves for unexpected events.
The impact of behavioral finance on investment decision making on small medium enterprises(smes) case study: mukono district
(Uganda Christian University, 2026-04-14) Sarah Rwiririza
This study examined the impact of behavioral finance on investment decision-making in Small and Medium Enterprises (SMEs) in Mukono District, Uganda. The study specifically aimed to investigate how specific behavioral biases, herd behavior, and behavioral finance principles influenced investment decisions and risk-taking among SME owners. The research adopted a descriptive and quantitative design, targeting 25 SME owners and managers within Mukono District, with a final sample size of 24 respondents
determined using Slovin’s formula. The data collection techniques used in the study were structured questionnaires and descriptive statistics like frequencies, percentages, mean, and standard deviations among others. The results indicated that overconfidence, loss aversion, anchoring, and confirmation biases had significant impacts on the investment decision-making process. Specifically, they led to the use of judgmental techniques in decision making, avoidance of risky investments, and the use of past information. Herding behavior played a key role in terms of when and what type of investments should be made by the owners of small and medium-sized enterprises since they followed market trends and replicated other people's businesses. Principles of behavioral finance such as overconfidence, optimism and loss aversion also influenced the risk behaviors adopted by the SMEs owners whereby they opted for investments that would give profit and minimize any losses. Generally, it can be noted that the behavior biases and principles had considerable impacts on the investments and risk-taking practices. Therefore, the study recommends that the owners of SMEs
develop better processes for evaluating investments and minimize dependency on market trends and herding behaviors. Financial education is also recommended to help reduce the effects of behavior biases.
Accounting information systems and financial performance of corporate institutions. A case study of stanbic bank main branch
(Uganda Christian University, 2026-04-10) Hayati Mulongo
This paper has discussed the impact of Accounting Information System (AIS) on
financial performance of corporate institutions based on a case study of Stanbic Bank
Main Branch. The study was informed by three objectives namely to test the impact
of AIS software on financial performance, to test the impact of AIS procedures on
financial performance and to test the impact of AIS users (people) on the general
financial performance of the institution.
The research was a cross-sectional descriptive research design that employed a
quantitative research approach. The population sample was 45 employees working in
finance, accounting, credit management and information technology departments of
the Stanbic bank branches within Mukono district who are directly involved in the
utilization and management of the Accounting Information Systems. A sample size of
40 respondents was obtained using the Krejcie and Morgan (1970) sampling table.
Both purposive and simple random sampling techniques were used to select
participants. Structured questionnaires were used to collect primary data. The data
were analyzed with the help of the Statistical Package of Social Sciences (SPSS) where
the types of statistics used were descriptive (frequency, percentages, means, and
standard deviations) and inferential statistics (correlation analysis and regression
analysis).
The results indicated that AIS software has a significant positive impact on the
accuracy of financial reporting, timeliness, and reduction of errors. The combination
of AIS with other systems of the organization helped to improve data uniformity and,
consequently, management decisions. The paper has also determined that articulate
AIS processes enhance operational efficiency, internal control systems, aids in
detecting fraud, and boosts the reliability and security of the financial information.
The research was able to conclude that Accounting Information Systems are relevant
in enhancing the financial performance of the Stanbic Bank by increasing the financial
reporting, operational efficiency, accuracy of budgeting and profitability.
Nevertheless, the increase in the Return on Assets (ROA) and Return on Equity (ROE)
was seen as mediocre, which means that other internal and external variables can
impact the financial results. The research suggested that Stanbic Bank ought to
intensify the integration of AIS, improve the modules in the system to be completely
in accordance with the financial reporting standards, periodically review the AIS
processes, and invest in the continuous training of the staff.
Financial literacy and personal savings: a case of teachers in selected church-aided primary schools in mukono municipality
(Uganda Christian University, 2026-04-10) Barbra Nuwakunda
The study examined the effect of financial literacy on personal savings of teachers in selected Church-aided primary schools in Mukono Municipality. It specifically focused on; analyzing the budgeting skills on personal savings of teachers, investigating the investment knowledge teachers have on personal savings of teachers, assessing the personal savings behaviors of teachers in Church-aided primary schools, and examining the relationship between financial literacy and personal savings among teachers in Church-aided primary schools in Mukono Municipality. The study was carried out using a cross sectional survey research design where quantitative research approach was also used. The data was collected using questionnaires and during data collection, stratified sampling method was used. A sample size of 66 respondents who are selected teachers from both Bishop‟s East and West Primary Schools was also used in the study.
The study findings showed that monetary literacy significantly affected private saving among instructors within Church-aided principal faculties in Mukono Municipality, with strong proof of powerful budgeting practices, investment know-how, disciplined saving behaviors, and excessive ranges of monetary cognizance. instructors who showed skills and abilities in earnings administration, budgeting, investment choice-making, and monetary planning have been much
more likely to store regularly, make plans for the future, and preserve monetary balance, a fact that became further confirmed through a strong positive correlation among monetary literacy and private saving (r = 0.622, p < 0.01) and regression results that confirmed that instructors' skills and abilities in budgeting (β = 0.396, t = 5.426, p = 0.000) and investment know-how (β = 0.243, t = 3.668, p = 0.000) significantly predicted private saving. Lastly, the study proposed the importance of reinforcing teachers‟ monetary literacy thru effective finances preparation, progressed funding concept, strict saving discipline, and improvement of competencies in profits control, monetary planning, and analysis of monetary statistics, among centered monetary literacy schooling thru academic establishments and stakeholders for effective and knowledgeable monetary choice-making, saving, and stability.
Impact of financial literacy on savings among university students in Uganda: a case study of makerere university business school
(Uganda Christian University, 2026-04-10) Phillipa Happy Katali
This study sought to investigate the effect of financial literacy on savings among university students. Makerere University Business School (MUBS) formed the case study. It is important to note that the study was informed by the following three objectives: assessing the effect of financial knowledge on saving among university students, analyzing the effect of financial awareness on saving among university students, and exploring the effect of financial skills on
the creation of a saving culture among university students. This study employed a cross-sectional survey design with a quantitative research approach. It
targeted 370 university students pursuing the Bachelor of Commerce course at the third year. A simple random sampling design was employed to select 192 participants. The results indicated that the level of financial literacy among MUBS students is very high, with mean scores of 3.86 for financial knowledge, 3.79 for financial awareness, and 3.91 for financial skills. Moreover, financial skills were found to be the strongest among the three, with the highest mean score recorded for budgeting skills (4.22), where 87.6% of the students confirmed their ability to create and follow budgets. However, gaps in financial literacy were
also identified. Compound interest understanding recorded the lowest mean among the financial knowledge variables (3.68), with only 62.1% of the students confirming its importance. Emergency planning skills recorded the lowest mean among the financial skills variables (3.42), with only 58.2% of the students confirming their ability to do so. Most alarmingly, the saving culture recorded a mean of 3.42, which is lower than all three financial literacy variables.
Only 53.0% of the students save a portion of their income on a monthly basis, and only 50.3% have emergency funds, despite 81.7% confirming the importance of emergency funds. Furthermore, only 54.3% of the students save before entertainment and leisure. The conclusion of the study is that despite the high level of financial literacy among MUBS students, there is a lack of saving due to social pressures and irregular income.
The impact of social media on the financial decisions of students at Uganda Christian university
(Uganda Christian University, 2026-04-10) NDUHURA, JAZEL KENYONYOZI
This study investigates the impact of social media on the financial decisions of youth,
focusing specifically on undergraduate students at Uganda Christian University (UCU).
The research aims to address the modern conundrum in which tech-savvy youth, in a
climate of aggressive social commerce, often display a high degree of financial
mismanagement in favor of status spending in social media compared to basic
necessities and savings. The main aim of the research is to determine if social
commerce acts as a means of empowering youth financially or as a means of inducing
financial imprudence.
As such, an in-depth critical review of existing literature indicates an impactful
relationship between algorithmic digital advertisement and impulsive consumption.
Rooted in Social Learning Theory and Theory of Planned Behavior, the theoretical
framework indicates how "performativity" in consumption and "fear of missing out"
(FOMO) cultivate subjective norms that actively dissuade the culture of savings.
Further still, existing literature indicates an unprecedented shift in financial power
towards digital influencers who gamify risks in high-stakes speculations rather than
conventional approaches to wealth accumulation.
In terms of methodology, the study used a quantitative cross-sectional survey research
design to solicit the status quo of the financial habits of the students. This was done
by administering a questionnaire to a stratified random sample of 100 students at the
UCU Main Campus using a fivepoint Likert scale. Using the SPSS software, the
collected data was analyzed to determine the extent to which social media affects
the behavior of the students in terms of finance by using descriptive statistics, the
Pearson correlation coefficient, and linear regression analysis.
The results were based on a 96% response rate, which established that:
Inferential statistical tests were used to analyze the data, which established a strong
positive correlation between targeted advertisements and impulse purchasing (r =
0.620). It also established a strong negative correlation, which indicated that
increased peer pressure heavily diminishes the students' capacity to save (r = -0.480).
Regression analysis results indicated that 46.2% of the total variance in the students'
financial decisions can be explained by the social media factors.
The study established that the digital environment functions as a catalyst for
consumption and financial fragility rather than empowerment for UCU students. In
order to combat these detrimental consequences, recommendations are proposed.
These include the need for university management to incorporate digital financial
hygiene into the foundation curriculum. Other recommendations are to promote peerto-peer saving advocacy through student guilds and to encourage the critical
evaluation of financial influencers on the digital environment for the longterm
financial well-being of the youth
The impact of social media onthe influence of inventory management on customer satisfaction. A case study of mukwano group of companies the financial decisions of students at Uganda Christian university
(Uganda Christian University, 2026-04-10) SIFA KUBALEZAGA NADEGE
This study examined the influence of inventory management on customer satisfaction at Mukwano Group of Companies. The general objective was to assess the effect of inventory management practices on customer satisfaction, guided by three specific objectives: to examine the effect of inventory accuracy on customer satisfaction, to assess the effect of inventory order fulfillment and product availability on customer satisfaction, and to evaluate the impact of inventory control practices on customer satisfaction. A descriptive cross-sectional research design was adopted using both quantitative and qualitative approaches. Data were collected at one point in time from a sample of 80 respondents selected from a population of 100, determined using Krejcie and Morgan’s (1970) sample size table. The subjects who participated in this study included logistics and warehousing workers, production and supply chain workers, and
retail customers. Simple random sampling and purposive sampling techniques were employed. Data collected through the use of structured questionnaires was classified as quantitative, whereas data collected through interviews with managers and supervisors were classified as qualitative. Quantitative data was analyzed using descriptive statistics such as frequencies, percentages, means, and standard deviations, using SPSS software. From the findings of the research, it is evident that an accurate inventory helps increase customer satisfaction by ensuring the availability of goods, reducing incidences of out-of-stock situations, receiving fewer complains, and completing orders reliably. It is also worth noting that one of the discoveries from this study is the presence of a positive relationship between the completion of orders on time, product availability, and customer satisfaction. Order delays and stockouts have been found to affect customer satisfaction and loyalty negatively. In addition, it was noted that effective inventory management was one of the key elements that played a vital role in influencing customer satisfaction. In particular, the study recommended the use of computerized inventory management techniques, improved techniques of predicting demand, conducting inventory audits, as well as improving the level of training for the employees. These findings contribute to the existing literature on the impact of inventory management on customer satisfaction in Uganda.