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Recent Submissions
The contribution of organizational justice on employee engagement. Study of 7 star cleaning services mukono Uganda
(Uganda Christian University, 2026-04-10) Mirabu Gimbo
The resolution of this study remained to observe the character that managerial justice may play in worker assignation at 7 Star spring-cleaning facilities corporation. It further examined the level of determination among employees and the association amongst organizational justice and employee engagement. It involved quantitative approach of data collection from employees of the company of which data was investigated using software of SPSS style 23. Constructed on the results of this study, it remained noted that many of the defendants are not well complex in this company since of the one-sided measures, restrictive and nearly unfriendly them off from their dynamic contribution in decision making procedures assumed following to the company. The training had a major restriction where some people were not assessed since the company had they were inattentive, others stood uninformed then also inadequate funds. This study offers first-hand ideas addicted to in what way objectivity in administrations echoes full in how staffs participate easily on the residence of labor.
Corporate governance and financial performance of commercial banks in Uganda
(Uganda Christian University, 2026-04-16) Hassan Kizito
This study examined the relationship between corporate governance and financial performance of commercial banks in Uganda, with a particular focus on the mediating role of management efficiency, using Stanbic Bank as a case study. The study was guided by three objectives: to determine the effect of corporate governance on financial performance, to examine the relationship between corporate governance and management efficiency, and to assess the influence of management efficiency on financial performance. A quantitative, correlational, and cross-sectional research design was adopted. Data was collected from 120 respondents, including branch managers, accountants, and internal auditors, using structured questionnaires. Statistical analysis was conducted using SPSS, employing descriptive statistics, correlation, regression, and mediation analysis. The findings revealed a significant positive relationship between corporate governance and financial performance. Corporate governance was also found to significantly influence management efficiency, while management efficiency had a strong positive effect on financial performance. Mediation analysis indicated that management efficiency partially mediates the relationship between corporate governance and financial performance, implying that governance mechanisms improve performance both directly and indirectly through enhancing operational efficiency. The study concludes that effective corporate governance practices, supported by efficient management, are critical in improving the financial performance of commercial banks in Uganda. It recommends strengthening governance enforcement, improving board effectiveness, and investing in management efficiency to enhance overall bank performance.
Crime and Youth Livelihood : A Case Study of Moyo Town Council, Moyo District
(Uganda Christian University, 2025-06-30) Bear Saviour Amoko
This study was conducted on crime and youth livelihood, a case study of Moyo town council. The objectives were to identify the factors that contribute to crime among the youth in Moyo town Council, to assess the effects of crime on youth livelihood, and to establish the strategies in place to reduce crime among youth in Moyo Town Council. The research analyzed the prevalence and extent to which crime damages cognitive functions, affects motivation, and behavior leading to decreased livelihood. It further explored preventive measures and interventions that can mitigate these negative outcomes. The findings aimed to inform policymakers, educators, and security personals on strategies to address crime and enhance youth livelihood. This study used a cross-sectional survey design. This design involved gathering data from a population sample at a particular time. The researcher used qualitative and quantitative data collection methods to achieve the study objectives. The data collection tools included questionnaires and interviews, enabling the researcher to get firsthand information. The quantitative data was analyzed using statistical methods to identify trends, correlations, and patterns in the study topic. The findings were that peer influence (70%), unemployment (56%), drug accessibility (48%), poor parenting (32%) and poor performance (24%) are factors for crime. The effects include school dropout (70%), mental illness (64%), family breakdown (50%), poor social relationship (38%). The strategies to curb include: youth training resist peer pressure (66%), adolescent health promotion (55%), supporting children to develop appropriate attitudes towards life (50%) improving parenting skills (50%), and community intolerance of crime (40%)In conclusion, the research explored peer influence, unemployment, drug accessibility poor parenting and poor performance as the causes of crime that has led to mental illness, family breakdown, school dropout, death among others hence lowered youth livelihood. The study therefore recommends rehabilitation of those with mental illness, job creation, regular needs assessment conducted by government to establish real challenges of the youth on ground, regular meetings with member representatives (youth leaders) to make them understand further details of crime, their effects to inform strategies to curb crime among youths in Moyo Town Council.
Women Saccos and Increase in Household Income
(Uganda Christian University, 2025-04-17) Elionai, L. M. Wilson
This research report was premised on the scholarly desire to examine the effects of women SACCOs on the increase of household income levels. This study specifically looked at an examination of the contributions of women’s SACCOs to Household income; the challenges faced by Women SACCO members in their endeavor to enhance household income, and to discuss strategies that can be used to mitigate the challenges faced by women SACCOs in increasing family incomes in Oli Central Division. From the literature surveyed, some scholars have linked SACCOs rather to the bulging rural debt burden. However, most scholars have inclined to the argument that SACCOs are an avenue for rural income access and stability. However, given the division in worldview of the nexus between these variables studied herein, this piece using a mixed research design, examined as stated in the topic how SAACOs shape the increase of household income particularly in Oli Central Division. Data to respond to these queries was obtained both qualitatively using interviews and focused group discussions, and quantitatively using questionnaires from a total of 52 respondents. The study found out that Women SACCOs do contribute to the ability of the members in increasing and or improving their respective household incomes. it was also found that, the SACCOs members do face challenges that constrain them from enhancing the income of their households. The study was also able to obtain some ways forward to mitigate the said challenges in order to enhance the ability of the members to contribute to increased household income.
The impact of agent banking on the financial habits and accessibility of financial services for rural communities in mukono district
(Uganda Christian University, 2026-04-09) Marvinn Tusiime
The main aim of this study was to find out the impact of agent banking on the financial habits and accessibility of financial services for rural communities in Mukono District. The study was specifically carried out in Nakisunga and Nagojje sub-counties. To achieve this, the researcher used a cross-sectional survey research design. The sample size of 90 respondents was comprised of local farmers, traders, and civil servants. The primary data was collected using a structured questionnaire. The data was collected through face-to-face interviews. Once the data was collected, it was analyzed using SPSS Version 20.0. The results of the research indicated that financial accessibility in rural areas has improved through agent banking. The respondents agreed that the agents are accessible since they are within walking distance. This has helped them save on the cost of transportation, which they used to spend going to Mukono Town. However, from the research, it was also established that the reliability of the agents is very low. The agents are often out of cash, and their networks are mostly unstable. This has
resulted in rural residents not fully trusting their agents to keep their finances. The research results indicated that people are using the agents for withdrawal of cash and paying of bills but are still keeping their actual wealth in their informal VSLAs. The regression results showed that although proximity is good, reliability is the strongest factor for positive financial habits. The conclusion of the study was that the issue of physical distance has been solved through agent banking, but the saving culture of the rural people has not changed completely since the system is not reliable. Based on these findings, the researcher recommended that commercial banks should support their agents by providing float loans so they always have cash. The banks should also work with telecom companies
to make the network stable, and they should create a system that allows the local VSLAs to deposit their group savings directly through the agents.
Effects of credit management on financial performance of saccos in Uganda. A case study of kyaka ii farmers sacco in kyegegwa district
(Uganda Christian University, 2026-04-10) Juliet Iradukunda
Saving and Credit Cooperative Societies (SACCOs) are important in advancing financial inclusion and economic empowerment in rural, agricultural and refugee hosting districts in Uganda. However, continuous issues like liquidity shortages, on-performing loans and limited profitability arise from poor credit management practices. This study investigated the effects of credit management specifically debt appraisal, risk monitoring and collateral security on the financial performance of Kyaka II Farmers SACCO in Kyegegwa District, Uganda. Employing a descriptive longitudinal survey design, the research targeted 63 respondents including managers, board members, finance officers, auditors, credit officers and members. A sample of 54 respondents was selected using Yamane’s (1967) formula, with purposive sampling. Data was collected through structured questionnaires on a five point Likert scale and semi structured interviews. Financial performance was measured through return on equity, return on assets and net profit margin. Findings revealed general moderate credit management practices. Collateral security exhibited the strongest positive impact enhancing recovery rates and repayment discipline. Debt appraisal showed significant positive effects improving portfolio quality through rigorous borrower assessments. Risk monitoring also showed a relatively positive impact. The study concludes that prioritizing collateral security and debt appraisal boosts SACCO sustainability in vulnerable contexts. It contributes to insights of microfinance literature and recommends policy enhancement for SACCO management and development partners to foster training and guidelines thus reducing default risks and increasing financial outcomes.
The effect of sustainable procurement on financial performance of manufacturing firms. A case study of nsava feeds Uganda
(Uganda Christian University, 2026-04-16) Praise Buyinza Nabukeera
This study examined the effect of sustainable procurement practices on the financialperformance of manufacturing firms, with a specific focus on Nsava Feeds Uganda. The research was guided by three key dimensions of sustainable procurement: environmental assessment, social responsibility, and economic evaluation during procurement processes. A descriptive cross sectional survey design was adopted, utilizing a quantitative approach. Data was collected from 197 respondents, including procurement officers, managers, and other staff involved in procurement and financial decision making, using structured questionnaires. The findings revealed that although sustainable procurement practices are not fully integrated within Nsava Feeds, all three dimensions environmental, social, and economic have a significant positive relationship with financial performance. Correlation analysis indicated strong positive associations, particularly between social responsibility and financial performance (r = 0.658), followed by environmental assessment (r = 0.639) and economic assessment (r = 0.510). Regression results further confirmed that sustainable procurement practices significantly predict financial performance, explaining 53.2% of its variation. Among the three factors, environmental assessment had the strongest influence on financial performance, followed by economic assessment and social responsibility. Despite these positive relationships, the study found that Nsava Feeds has not fully embraced sustainable procurement practices, especially in environmental and social aspects, leading to missed opportunities for improved financial outcomes. The study concludes that strengthening sustainable procurement practices can enhance cost efficiency, reduce risks, and improve overall financial performance. The study recommends that Nsava Feeds should prioritize environmental sustainability in procurement, strengthen social responsibility practices, and improve economic evaluation strategies to achieve long term financial stability and competitiveness.
Impact of whistleblowing on the performance of financial institutions, a case study of centenary bank mukono branch
(Uganda Christian University, 2026-04-16) Lawrence Baluku
This research investigates the consequence of whistleblowing activities on financial institutions with particular emphasis on the impacts of reporting wrongful acts on the degree of transparency, accountability, and the institution's performance as a whole. It analyzes the fraudulent activities and non-compliance with regulations which employees are willing to report owing to the unethical practices of their organizations. The study considers the primary and the secondary data to assess the levels of awareness within the employees of the institution on whistleblowing and the reporting challenges, as well as the consequences of such reports for the institution. The results suggest that the governance of institutions which have a well-functioning whistleblowing system in place suffer less financial risk and are more exposed to public confidence. The study suggests that institutions should safeguard confidentiality, protective of whistleblowers, promote a reporting culture as well as policy alignment with whistleblowing practices to gain optimum benefit from such whistleblowing activities.
The role of savings and credit cooperatives (saccos) in promoting financial inclusion in the rural areas of masaka distrct
(Uganda Christian University, 2026-04-16) Musa Nadduli
In the socio-economic environment of Uganda, the issue of financial exclusion has continued to financial training program for the community, these organizations have the potential of bridging questionnaires and 2 informant interviews. Based on the analysis of the data using SPSS software literacy on the actual use of SACCO products,by households of the country. The study was be a significant socio-economic challenge, where a high percentage of the population has no access has demonstrated the need for the development of a robust savings culture, transparent leadership qualitative approaches in the study to ensure the attainment of a well-rounded data set. A total of auspices of three major pillars, which included the evaluation of the impact of the mobilization of 50 participants were targeted in the study, with the data being sufficient for the study with 46 marginalized and low-income population of the country. The study was undertaken under the structures, and the need for financial education in bridging the financial inclusion gap. In fact, the study has demonstrated that with the capacity building of SACCOs and the development of a with the aid of descriptive statistics such as mean and standard deviation, it is evident that the study savings on financial inclusion, the importance of governance structures, and the role of financial conducted using a cross-sectional research approach with the inclusion of both quantitative and emerged as a significant factor for the promotion of financial inclusion in the lives of the to the formal banking system. However, under the concept of financial exclusion, SACCOs have the gap for the rural communities.
Influence of Youth Engagement Strategies on Insurance Uptake Among Young People in Uganda Case Study Mukono District Local Government
(Uganda Christian University, 2026-04-15) Dalian Ayesigwa
This study examined the influence of youth engagement strategies on insurance uptake
among young people in Uganda, using Mukono District Local Government as a case
study. It was prompted by low insurance penetration among youth despite their
vulnerability to financial shocks and the growing use of digital and social media by
insurers. The study assessed digital platforms and mobile applications, social media
marketing, and financial literacy programs in enhancing youth awareness and uptake of
insurance. Data were collected from 103 respondents using quantitative and qualitative
methods and analyzed using descriptive statistics and Pearson correlation. Results
showed a strong positive correlation between youth engagement strategies and
insurance uptake at r = 0.733, p = 0.012.
Socio-demographic findings revealed that 24.27% of respondents were aged 28-37 years,
while 23.30% were 48-57 years. Males made up 54.37% and females 45.63% of the
sample, indicating higher male participation. On employment, 47.57% were employed,
38.83% were students, and 13.60% were unemployed. On digital platforms, 64.1%
agreed they use mobile apps to manage finances regularly with a mean of 3.81, and
67.9% preferred mobile apps to learn about financial services. Social media findings
showed 63.1% used it as their primary source of insurance information, and 67.9%
trusted insurance information shared on social media. Financial literacy programs
improved understanding of insurance for 67.9% of respondents with a mean of 3.76, and
51.4% said the programs encouraged them to consider buying insurance
Credit Risk Management and Financial Performance in Finance Trust Bank, Uganda
(Uganda Christian University, 2026-04-15) Winnie Nkata Nambuule
This study which examined credit management and the financial performance of financial institutions in Uganda was carried out at the Finance Trust Bank branch in Kampala. This study examined the effect of credit risk management practices on the financial performance of Finance Trust Bank (FTB) in Uganda. The research specifically investigated the influence of credit risk identification, assessment, and control practices on key financial performance indicators, including profitability, revenue growth, return on assets, and overall financial sustainability. The study concludes that effective credit risk management is critical for enhancing financial performance in Ugandan commercial banks. It recommends that FTB and other financial institutions continuously strengthen their risk identification, assessment, and control systems, including regular stress testing, collateral management, and use of advanced credit scoring models, to sustain profitability and minimize non-performing loan
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.