UCU Scholar
Welcome to the Uganda Christian University Scholar
It aims to collect, preserve and showcase the intellectual output of undergraduate students of UCU. This growing collection of research includes dissertations, Extended Essays, Past Exam Papers, Research Reports, and more.
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Recent Submissions
Assessing the stakeholder perception on organizational readiness in implementation of sustainable procurement at Joint Medical Store in Uganda
(Uganda Christian University, 2026-05-05) Gonza Enyeu
This study was set to establish whether or not the management of Joint Medical Stores (JMS) was ready to adopt sustainable practices in procurement. The aim of the research was to explore the perception of the degree of organisational preparedness by the stakeholders, to identify the key enablers and to identify the main barriers to implementing sustainable procurement. The research adopted a hybrid method of data collection that entailed both quantitative and
qualitative data collection methodology. The research collected quantitative data that was done using a questionnaire that was given to 53 individuals of which 50 could be analyzed further. The data were analyzed by using Statistical Package of the Social Sciences (SPSS) software and responses of the Likert-scale questions were coded and interpreted using descriptive statistics, such as mean, standard deviation and percentages. The interviews with key informants were held and the information was thematically analyzed. The findings indicate that JMS is fairly prepared to adopt sustainable procurement. The management commitment was considered the strongest enabler of JMS, and the staff training and skills, and the financial resources were the weaker enablers. The major challenges were related to finances, skills and awareness of sustainable procurement. The study finds that, although JMS has a high management commitment to sustainable procurement, there are feasible obstacles to its complete implementation. It recommends enhancing financial resources, staff training and awareness and institutionalizing management support on sustainable procurement, to increase preparedness.
Impact of Entreprise Resource Planning (ERP) systems in enhancing pharmaceutical warehouse supply chain efficiency: a case study of Joint Medical Store Uganda (JMS)
(Uganda Christian University, 2026-05-05) Sifa Uyergiu
This study examined the impact of Enterprise Resource Planning (ERP) systems on enhancing pharmaceutical warehouse supply chain efficiency at Joint Medical Store (JMS), Uganda. The study was driven by the need to evaluate the effectiveness of ERP systems in enhancing warehouse operational efficiency and resolving issues such as stock inaccuracy, delayed order fulfillments and the high cost of warehouse operations in pharmaceutical supply chains. The survey involved 40 respondents drawn from a population of 45 people who were engaged in warehouse management at Joint Medical Store (JMS). The respondents were selected through purposive and simple random sampling. Data was collected through questionnaires using Likert scale questions, and secondary data from journals, reports and corporate documents. The data was analyzed using descriptive statistical methods such as frequency, percentage and mean, and the findings were presented in tabular and graphical form. The findings indicated that the use of ERP systems improves inventory management through real-time tracking, reduction in manual errors, and improved communication between departments. Further, the process automation provided by ERP will enhance order processing speed by decreasing the time taken for order processing and increasing efficiency. The real-time data access provided by ERP supports cost reduction through better inventory planning, stock-outs and financial management. The research found ERP systems are essential in improving the efficiency of pharmaceutical warehouse supply chains at Joint Medical Store. The study recommends strengthening ERP integration across departments, continuous staff training, and improved system utilization to maximize ERP benefits.
Cash management practices and profitabiity of Small and Medium Enterprises in Mukono Central Division
(Uganda Christian University, 2026-05-05) Rinah Ninsiima
The study examined the relationship between cash management practices and the standard deviation, correlation, and regression analysis. A cross-sectional approach was employed for data collection from the SMEs in one profitability of small and medium enterprises (SMEs) in Mukono Central Division. The period of time. The target population was 300 registered small-scale businesses within management on SME profitability.involving descriptive and inferential statistics like frequencies, percentages, mean, budgets can effectively plan their finances, manage their expenses, and improve their financial performance. It was also evident that efficient cash collections are critical in with SME profitability. Firms engaging in regular preparation and analysis of cash improving firm liquidity and profitability, since they enable firms to recover their shops,and general goods shops. By consulting the Krejcie and Morgan (1970) sample size table, a sample size of 169 subjects was obtained. Stratified random sampling was practices on SME profitability, and to evaluate the influence of cash disbursement From the results obtained, it was evident that cash budgeting is positively correlated study was guided by three specific objectives: to examine the effect of cash budgeting the Mukono Central division, which included retail shops, hardware shops, grocery receivables on time and prevent bad debts. Moreover, it emerged from the study that good practices in cash disbursements enhance profitability through appropriate management is very important in boosting profitability and the overall financial carried out to make sure that all types of SMEs would be represented equally in the scheduling of disbursements and cost savings.The study showed that good cash research. Data collection involved the use of structured questionnaires and relied on practices on the profitability of SMEs, to assess the influence of cash collection both primary and secondary data. The SPSS software was applied for data analysis stability of the SMEs operating in the Mukono Central division.
Relationship between sustainable procurement practices and organizational environmental performance: a case study of BIDCO Uganda Ltd company
(Uganda Christian University, 2026-04-30) Agatha Kwagala
This study examined the relationship between sustainable procurement practices and organizational environmental performance at BIDCO Uganda Limited. Specifically, the study sought to identify the sustainable procurement practices adopted by BIDCO Uganda Limited, assess the environmental performance of BIDCO Uganda Limited in relation to its operations, and examine the influence of sustainable procurement practices on the environmental performance of
BIDCO Uganda Limited. The study used a quantitative cross-sectional research design. Primary data was collected using structured questionnaires administered to employees involved in procurement and environmental management processes. Secondary data was obtained from company reports and regulatory documents. The study focused on major sustainable procurement activities such as green sourcing, supplier environmental assessment, and waste management, and analyzed their relationship with environmental performance indicators including energy use, water use, and waste reduction. The findings indicated that sustainable procurement practices positively contribute to improved organizational environmental performance. Organizations that emphasize responsible sourcing, supplier compliance and effective waste management are more likely to achieve better environmental outcomes. The study recommends that BIDCO Uganda Limited and similar firms strengthen sustainable procurement policies, invest in supplier development, enhance environmental monitoring systems, and ensure compliance with environmental regulations to promote long-term sustainability.
The effect of viral TikTok trends on impulse buying decisions in the fashion industry among university students in Uganda: a case study of Uganda Christian University students
(Uganda Christian University, 2026-05-05) John Mawejje
This paper will look into how viral Tik Tok trends can affect the impulse buying behavior of fashion industry among undergraduate students within Uganda Christian University (UCU). Although the use of Tik Tok has been rising at an alarming pace in Uganda, which adds to the unplanned expenditure of young people with low disposable income, the literature gap about the effects of Tik Tok viral mechanisms on impulse purchasing in the non-Western society is still present. Three particular objectives guide the research, such as to identify the impact of exposure to viral TikTok fashion trends, to assess the impact of the credibility of TikTok influencers on unplanned purchases, and the correlation between active interest involvement with viral content (likes, shares, comments) and impulse buying behavior. The designated study has a quantitative, cross-sectional survey design, which is premised on the Stimulus-Organism-response (S-O-R) theory. Stratified random sampling will be used to select a sample of 367 undergraduate students out of a target on about 8,000 students. The use of descriptive statistics, Pearson correlation, and multiple regression will be used in analyzing primary data that will be gathered through the administration of self-administered structured questionnaires to respondents. Finally, the research will also have theoretical contributions to platform specific consumer behavior on the one hand and practical implications to marketers on how to create responsible campaigns and university administrators and policymakers on how to resolve the financial vulnerability of students by using specific financial literacy programs.
Credit accessibility and financial performance of SMEs in Eastern division of Busia municipality
(Uganda Christian University, 2026-05-05) Morine Nekesa
The primary aim of the study was to determine the effect of access to credit on the financial performance of the small and medium enterprises operating in the Eastern Division of Busia. These factors included access to credit, conditions for credit and the interest rate involved. These variables are correlated with financial performance measures such as profitability, return on investment and assets, sales, and job creation capabilities. This research adopted the cross-sectional survey approach where surveys were done using questionnaires and interview guides. Questionnaires were used to collect information from 62 business owners/managers (of the targeted 70 businesses), whereas interviews were held with 12 loan officers from banks, micro finance companies and SACCOs. The results from correlation showed positive relationships between performance and availability of credit (r=0.445), credit terms (r=0.512 – highest correlation) and interest rate (r=0.468). Regression analysis shows that the three credit factors explained 37.5% of variation in performance, with credit terms being the most significant variable (β=0.348). In conclusion, credit availability does influence the performance of the SMEs in the border region; however, it is important to focus more on credit terms than mere presence of banks. This could be achieved by banks using different types of currency for lending, accepting movable securities like equities and machinery, allowing for longer grace period and being clear on the cost of credit. It is important for the government to start a credit guarantee scheme and help Kenya facilitate cross-border credit facilities. For the SMEs, it would be advisable to keep proper accounting records, legalize their businesses and learn about credit terms before borrowing.
Effect of socioeconomic status on mental health among Bachelor of Social Work Students in Easter Semester 2026 at Uganda Christian University, Mukono Campus
(Uganda Christian University, 2026-05-05) Agnes Ninsiima
This particular research study examined the effect of socioeconomic status on mental health among bachelor of social work students in the Easter semester 2026 at Uganda Christian University in Mukono campus. This research was conducted in regard to the four specific objectives such as; to establish the effect of family income, to establish the effect of parental educational level, to examine the effect of parental occupation on the mental health of BSW students at UCU, and to determine coping strategies used by students from different socioeconomic backgrounds to manage mental health challenges. This study employed two theoretical frameworks such as Bronfenbrenner’s ecological theory and Saleebey’s Strength based theory (Bronfenbrenner,1979; Saleebey, 2013).
A quantitative approach and a cross sectional design were used to conduct this research study. Yamane’s formula was used to get the exact sample of 119 students from the total target population of Bachelor of social work students using stratified random sampling. A quantitative research questionnaire was used as a data collection instrument to collect primary data. Lastly, SPSS was used as a statistical analysis tool to analyze descriptive statistics and multiple linear regression analysis. The data collected was analyzed for this research study using the regression analysis, findings showed that family income had Beta coefficient value of .340 and with a probability(p) value of less than .001, Parental occupation level had Beta coefficient value of .371 and with probability(p) value of less than .001, Parental occupation had Beta coefficient value of .357 with probability(p) value of .001 and this meant that all these socioeconomic factors were statistically significant predictors of the mental of student. 60.5% of the respondents indicated worrying about fees caused them feelings of depression, hence made tuition related financial stress to be the most prominent related stressor. Regression analysis showed that the strongest predictor overall was parental educational level compared to family income and parental occupation. The coping strategies that were widely used strategies such as religion and spirituality had 68.1%, seeking emotional support had 71.4%, and active coping 68.0% and also behavioural disengagement was reported by 50.4% of respondents. This study recommended that UCU broaden its financial aid programs, enhance counseling centre’s programs and integrate in to BSW curriculum resilience building modules.
Recruitment and employee performance in ministry of local government
(Uganda Christian University, 2026-05-05) Shakirah Mutoni Nansubuga
This study examined the effect of recruitment on employee performance in the Ministry of Local Government in Uganda. Specifically, the study assessed the role of internal recruitment, examined the effect of external recruitment, and established the relationship between recruitment practices and employee performance. A descriptive research design was adopted, employing both qualitative and quantitative approaches. Data were collected from a sample of 109 employees across various departments using questionnaires and interviews, with a response rate of 89.9%. Quantitative data were analyzed using SPSS, while qualitative data were analyzed through thematic content analysis. The findings revealed that recruitment practices in the Ministry are generally inadequate, characterized by lack of transparency, limited merit-based decision-making, and political interference. Internal recruitment was found to have minimal positive impact on employee performance due to favoritism in promotions and transfers, which negatively affected employee motivation and morale. External recruitment, on the other hand, was found to introduce new skills and innovation, although its effectiveness was undermined by procedural weaknesses and inadequate orientation of new employees. The study further established a moderate to strong positive relationship between recruitment and employee performance (r = 0.624), with recruitment practices explaining 38.9% of the variation in employee performance. The study concludes that effective, transparent, and merit-based recruitment is critical in enhancing employee performance and improving service delivery in public institutions. It recommends strengthening merit-based recruitment systems, minimizing political interference, improving transparency in both internal and external recruitment processes, and enhancing
onboarding programs for new employees
Strategic Procurement Relationships and Organizational Performance
(Uganda Christian University, 2026-05-04) Judith Kiden Benson
The purpose of this study was to establish the impact of strategic procurement
relationships on organizational performance in terms of enhancing organizational
performance through supplier relationship management, making the process of
procurement efficient, and e-procurement, and supplier integration effect on
operational performance. The objectives of this study included assessing the
impact of supplier relationship management on organizational performance,
examining the impact of supplier relationship management on procurement
efficiency, and assessing the effect of e-procurement and supplier integration on
operational performance.
The study employed descriptive research designs with qualitative and quantitative
approaches in collecting data from the respondents from within the procurement
and logistics department in the organization. The data was collected through
structured questionnaires and interviews, and analysed using descriptive statistical
techniques including frequencies, percentages, means, and correlation analysis.
The results indicated that the relationship between organizations and their
suppliers is vital since supplier relationship management significantly increases
organizational performance through fostering collaboration, trust, and delivery of
goods and services in good time. Effective supplier relationships were found to
make the process of procurement efficient by making it cheaper and easier to
communicate while integrating e-procurement system and making supplier
integrations resulted in increased efficiency.
The study concludes that organizational performance can be enhanced by
establishing effective relationships with suppliers and using efficient procurement
practices. The recommendations include fostering an effective supplier
relationship strategy, integrating e-procurement, and collaborating with suppliers.
The Impact of Telematics In Fleet Efficiency and Sustainability a Case Study of Glovo Uganda
(Uganda Christian University, 2026-05-04) Juan Samuel Namugi
This study is based on the effect of telematics technology on efficiency and sustainability at Glovo Uganda. It is based on three main aspects, which include vehicle tracking technology, driver behavior monitoring technology, and fuel management technology. Data collection is done using 68 questionnaires distributed to the company's drivers and fleet managers. The findings show that technology can be used to track vehicles and adjust the route in real time. As a result, the time taken to travel is reduced. Driver behavior, such as speeding is improved. Fuel management technology is used to reduce the environmental impact. One thing to note is the way these technologies work together. Drivers know they are being monitored which means they drive differently. When the route is adjusted in real time, it means the entire process is improved. From the data collected, it is evident that the technology is working. This research shows that telematics technology is useful in making fleets operate at a lower cost with less fuel. Glovo Uganda can improve its operations by purchasing quality telematics technology and training its drivers to use the technology. More research is still needed to understand the effect of the adoption of telematics technology on fleet performance and the environment.
Internal control system on the performance of small and medium enterprises
(Uganda Christian University, 2026-05-04) Collins Ssekamanya
This study investigates the effect of internal control systems on the financial performance of medium enterprises. Internal control systems are vital for guaranteeing the accuracy and dependability of financial reporting, protecting assets, and improving operational efficiency. The research looks into how effective internal controls contribute to improved financial results by lessening errors and fraud, boosting operational efficiency, and supporting regulatory compliance. By analysing data from medium-sized enterprises across various industries, the study evaluates the relationship between the strength of internal control systems and key financial performance indicators such as profitability, liquidity, and inancial stability. Findings suggest that well-implemented internal control systems considerably enhance financial performance by reducing risks and optimizing resource use. The study highlights best practices for developing and maintaining effective internal controls and offers recommendations for medium enterprises seeking to leverage these systems for better financial outcomes.
Effectiveness of International Aid in Uganda: a case of Oxfam Food Security program in Moroto
(Uganda Christian University, 2026-05-04) Laura Masamba Rabwoni
The study examined the effectiveness of international aid in Uganda: a case of Oxfam Food Security Program in Moroto. It specifically focused on; examining how food aid is delivered in Moroto, examining how food aid delivered through Oxfam has contributed to food security, analyzing the challenges affecting the effectiveness of food aid in Moroto district within Oxfam’s food security programs, and assessing the sustainability
of food aid interventions in promoting long term food security in Moroto. The study was conducted using qualitative descriptive case study design to examine
the effectiveness of Oxfam’s food security program in Moroto district, Uganda, using key informant interviews with Oxfam staff and district officials and focus group discussions with farmer groups selected through purposive and simple random
sampling. Data were collected from 25 respondents and analyzed qualitatively using
thematic analysis. The study results showed that while greatly boosting family food availability, nutrition, and protection of vulnerable populations, Oxfam's food aid in Moroto is systematically targeted and effectively distributed through coordinated community-based systems that improve accessibility, predictability, and fairness. Though integration of food aid with livelihoods, community involvement, capacity building, and alignment with local governance systems boosts sustainability, logistical difficulties, insufficient resources, environmental shocks, and coordination gaps limit
program effectiveness notwithstanding these advantages. The study ultimately recommended the need to strengthen logistical planning, get
sustainable funding, boost community involvement, combine food aid with livelihood and capacity-building projects, and improve coordination with local government
structures to guarantee timely delivery, consistency, relevance, sustainability, and
long-term efficacy of Oxfam's food security activities in Moroto district.
Determinants of household saving behaviour among Ugandan Adults
(Uganda Christian University, 2026-05-04) Victoria Nabulya
In this study, the variables affecting household savings behaviour of adults in Uganda were analyzed using the findings of the nationally representative Fin Scope Uganda 2023 survey. Saving is critical in enhancing financial stability in a household and ensuring smooth consumption in the present and saving for the future such as education costs, health care, and emergencies. Despite efforts by the government to promote financial inclusion through the provision of financial services and mobile money services, there are still instances of inconsistent saving behaviours among households in Uganda. This study employed a quantitative cross-sectional research approach, using secondary data that were drawn from 3,176 adult respondents in the entire country. The data collected on the respondents' demographics, saving habits, and other independent variables were described using descriptive statistics. The binary logistic regression analysis was employed to determine the impact of the above mentioned independent variables on savings. The results indicate that while saving is widely practiced by adult Ugandans, it occurs informally through means like Village Savings and Loans Associations (VSLAs), mobile money wallets, SACCOS, and savings at home and not formally through commercial banks. It was determined that socio-demographic characteristics had the greatest predictive power for savings behaviour. Women, younger people, and those from rural areas had a greater likelihood of saving when compared to men, elderly individuals, and people from urban areas. However, income stability was not found to affect savings significantly, which means that even people with fluctuating income streams are capable of saving using informal methods. However, surprisingly, increased levels of financial literacy were related to decreased levels of saving. It is found that the behaviour of savings within households in Uganda is mainly driven by the socio-demographic and situational aspects of households rather than income stability or financial literacy. In view of the above results, it is suggested that more emphasis should be placed on promoting community-based savings groups, providing relevant practical education, and designing saving products suitable for low and unstable income households.
AI Powered Computer Vision-Based Framework For Real-Time Road User Classification And Intelligent Traffic Signal Control
(Uganda Christian University, 2026-06-04) Rachel Mbeiza Isooba; Promise Pierre Mokili; Joshua Owor Geno
Traffic congestion is a leading cause of economic and productivity loss in Uganda. The Greater Kampala Metropolitan Area carries roughly half of the country’s registered vehicles, and peak-hour speeds on central corridors drop to as low as 11 km/h. At the same time, more than 70% of road traffic fatalities in the country fall on vulnerable road users, that is pedestrians, cyclists and boda-boda motorcyclists. Most of Kampala’s signalised junctions still operate on fixed-time plans that cannot respond to real demand, and none of them offers cyclists a dedicated signal phase. This report describes RoadWise, a group final-year project that builds a low-cost, AI-powered traffic management framework for classifying road users in real time and controlling intersection signals dynamically. The system is organised in four layers: a sensing layer made of USB cameras and IoT sensors, an intelligence layer that runs a YOLOv8 detector and a Firebase cloud backend, an action layer that drives smart traffic lights, and an interface layer made of a traffic officer dashboard and a road user mobile web app. A custom scale model traffic setup was built, covering both three-way and four-way junction layouts, so that the full detection to actuation loop could be tested under controlled conditions.The work was grounded in a PRISMA compliant systematic literature review that screened 4,419 records and retained 12 primary studies. The review confirmed that, although YOLO based vision and adaptive signal control are individually mature, no reviewed system offers a dedicated cyclist priority phase in mixed traffic. RoadWise closes that gap through what we call a blue light phase, which is activated whenever cyclist presence at a junction passes a configurable threshold. On the prototype, the detector reached 100% vehicle detection and 85% cyclist detection accuracy under varied lighting, with a best validation mAP@0.5 of 0.977 on the miniature model dataset. The adaptive controller reduced junction waiting times by up to 40% compared with a fixed time baseline, and the web to hardware synchronisation protocol achieved 100% state consistency over serial acknowledgement feedback. The same controller was shown to run simultaneously across three-way and four-way configurations, which supports scalability toward real junctions.
The report also discusses the limits of the work, in particular the scale model-to-real domain gap, the narrow class schema, and the remaining steps needed before a pilot deployment on a real KCCA junction can be attempted.
Interventions for reducing child abuse and neglect among Children with disabilities in Mukono Central Division, Mukono District
(Uganda Christian University, 2026-05) Rita Nassali
Child abuse and neglect are among the problems affecting children all over the world. Children with disabilities have an elevated vulnerability to child abuse and neglect because of stigma in society, dependency, and lack of protection measures available for them. This project focuses on identifying ways through which the rate of child abuse and neglect can be lowered among children with disabilities living in Mukono Central Division, Uganda. The research design was a mixed methods approach that involved both qualitative and quantitative approaches. Information is collected from the caregivers, parents, teachers, social workers, and disabled children through questionnaires, interviews, and focus group discussions. This approach ensures an in-depth understanding of the statistical trends and real-life cases. The findings indicate that the children with disabilities in Mukono Central Division are subject to various forms of abuse including physical abuse, emotional abuse, neglect, and in some cases sexual abuse. Some of the factors that contribute to this problem include poverty, ignorance by the caregivers, culture and social Is in conclusion, the study highlights the importance of adopting an integrated and collaborative multi-sectoral approach that will ensure legal action is taken, children protected, communities empowered, and proper services offered. Lastly, in response to the recommended areas of concern in relation to service delivery, coordination, and inclusion, the study suggests the need for adopting an integrated multi-sectoral approach that involves health, education, social protection, and legal services. It is important for the government to enhance the availability of inclusive education, healthcare services, rehabilitation services, and psychological counselling. On the other hand, the collaboration between NGOs and CBOs with government departments is vital for enhancing the effectiveness of the referral system and coordinating service delivery. Integration of activities including awareness creation and economic support is necessary to address the complex issues surrounding abuse and neglect. As rightly noted by the World Health Organization and the World Bank (2011), such an approach will result in sustainable child protection outcome.
Effects of government compliance with International Human Rights Instruments on freedom of expression in Uganda
(Uganda Christian University, 2026-04-30) Robinah Atim
The research examined the effects of government compliance with international human rights instruments on freedom of expression in Uganda with a specific focus on Uganda Human Rights Commission (UHRC). The study was guided by objectives which included; identifying the key international human rights instruments that safeguard freedom of expression applicable to Uganda, evaluating the effectiveness of these international human rights instruments in enforcing freedom of expression in Uganda, investigating the challenges faced in implementing these international human rights instruments aimed at ensuring freedom of expression in Uganda, and assessing the role of UHRC in promoting compliance with international human rights instruments in relation to freedom of expression in Uganda. The research followed a qualitative descriptive case study layout, the use of purposive and easy random sampling to pick out 10 respondents from pinnacle control and lower-stage employees, with facts accumulated thru in-intensity and key informant interviews and analyzed thematically to take a look at authorities compliance with worldwide human rights instruments and its effects on freedom of expression, even as adhering to strict ethical requirements. The research findings found out that UHRC widely acknowledges and applies worldwide human rights gadgets as the inspiration for shielding freedom of expression in Uganda, integrating them into policy alignment, lawsuits managing, investigations, tracking, reporting, and advocacy. even as those instruments strengthen UHRC’s authority and provide clean requirements for assessing authorities compliance, their sensible effectiveness is confined via vulnerable enforcement, restrained institutional cooperation, political pressures, and gaps among global commitments and implementation. Generally, UHRC plays a critical role in promoting government compliance through coverage recommendation, monitoring, reporting, public schooling, and advocacy, with real impact in large part dependent on political will and accountability mechanisms. Finally, the study recommended the need for strengthening political will and institutional support, enhancing capacity building for government officials, improving UHRC’s monitoring and enforcement mechanisms, expanding public education and advocacy on freedom of expression, and fostering inter-agency collaboration to ensure effective implementation and compliance with international human rights instruments in Uganda.
Factors determining the demand for mobile money loans by university students.:A case study of Makerere University Kampala
(Uganda Christian University, 2026-04-29) Jeniffer Nantaba
This paper was dedicated to the factors determining the demand for mobile money loans among university students, with a specific focus on Makerere University in Kampala, Uganda. The rapid expansion of mobile money services in Uganda has significantly enhanced financial inclusion, particularly among young people. However, despite increased accessibility to digital credit through platforms such as MTN MoMo and Airtel Money, concerns regarding over indebtedness, high borrowing costs, and limited financial literacy persist among university students. A quantitative study was carried out using questionnaires. Primary data was collected through questionnaires on 63 respondents that revealed a moderate level of demand for mobile money loans (mean = 3.36), largely driven by convenience and the need to meet urgent financial needs. Loan affordability recorded a relatively higher mean (3.57), indicating that while students perceive mobile money loans as somewhat affordable, concerns about high interest rates, transaction charges, short repayment periods, and penalties persist. Regulatory factors also showed a moderate influence (mean = 3.40), with taxes discouraging borrowing while consumer protection policies increased trust in mobile lending platforms. Digital financial literacy recorded the lowest mean (3.16), highlighting a significant knowledge gap among students, particularly in understanding interest calculations and repayment schedules. This study concludes that the factors determining the demand for mobile money loans, like loan affordability, regulatory factors, and digital financial literacy, play an important role in influencing
the demand for these loans by university students
Role of training on employee performance: a case study of Century Bottling Company Ltd, Namanve
(Uganda Christian University, 2026-04-29) Norman Rukaari
This study examined the role of training on employee performance at Century Bottling Company Ltd (CBCL) in Namanve, Uganda. The research evaluated how on-the-job and off-the-job training impact staff productivity. Data was collected from a sample of 105 employees using a descriptive research design that integrated questionnaires and document reviews. On-the-Job Training: Improved technical skills and confidence for 67% and 65% of respondents, respectively. However, 72.2% reported that this training was not relevant to their specific job descriptions. Off-the-Job Training: Fostered creativity for 59% of respondents and updated industry knowledge for 56%. Over half (53%) found these skills easy to apply at work. Performance Levels: While 68% saw improved output quality, only 31.5% consistently met formal Key Performance Indicators (KPIs).
Conclusion & Recommendations
The study concludes that training is vital for organizational growth but is currently hampered by a lack of specialization. It recommends that management designs specialized training programs directly matched to individual job descriptions to bridge the existing performance gap and ensure efficiency.
The effectiveness of financial risk management on loan performance of small-scale enterprises: a case study chigook microfinance; South Sudan
(Uganda Christian University, 2026-04-28) Robert Labi Kenyi Kiri
This study assessed the effect of financial risk management on the performance of loans t small-scale enterprises by Chigook Microfinance in South Sudan. This study was inspired by the rising number of loan defaults and irregular repayment ratios that are prevalent among borrowers, questioning the efficiency of the risk management strategies implemented by microfinance institutions. This study applied a descriptive cross-sectional research design that involved the use of both quantitative and qualitative methods of data collection. Data were gathered from a sample population of 100 respondents comprising of small-scale enterprise borrowers, loan officers, and risk management personnel. Seventy-eight valid responses were received through the use of structured questionnaires and interviews. From the findings, it was observed that there are well-developed risk management practices within the microfinance institution especially in terms of credit assessment, loan monitoring, management of collaterals, and liquidity management. Majority of the participants agreed that there is an evaluation of the ability to pay back, examination of the accounting records, and consideration of the credit history before lending any money. However, there have been some shortcomings especially in assessing the value of the collaterals and delayed lending process due to liquidity problems. As far as the performance of the loans is concerned, it was observed that 77% of the borrowers pay back the money on time while 26% have once defaulted. The correlation coefficient shows a reasonably strong positive relationship between financial risk management practices and loan performance. This research has proven that good financial risk management practices play an important role in determining how well loans perform within microfinance organizations. This includes improving credit appraisal practices, better liquidity management, and efficient operations through proper staff training and technology use. All these steps are necessary to reduce loan losses and ensure the sustainability of microfinance organizations, especially during economic instability periods like those experienced in South Sudan.
The impact of parish development model on household income in Jinja city: a case study of Old Boma ward, South division
(Uganda Christian University, 2026-04-28) Alice Tusubira
This study examined the impact of the Parish Development Model (PDM) on household income among beneficiaries in Old Boma Ward, Jinja City Southern Division. Poverty remains one of Uganda’s major development challenges, so the government introduced the PDM in 2022 in addition to other programs to move households engaged in subsistence activities into the money economy. The Parish development model was aimed to support households at the parish level by offering them easier access to revolving funds and therefore enterprise support. This study aimed to assess how the model has improved household income and in return overall household welfare through improving their income generation activities and abilities. The study adopted a descriptive cross-sectional design and used both quantitative and qualitative methods. Data was collected from beneficiaries and parish leaders through questionnaires and interviews in order to get the perspective of the beneficiaries but also of the implementers and community leaders for a 360 view. Asking a variety of stakeholders was also very useful in coming up with more reasonable and achievable solutions to the faced problems.