Bachelor of Business Administration-MUC

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Liquidity Risk Management and Financial Performance of Commercial Banks: a Case of Absa Bank-Masindi
(Uganda Christian University, 2024-06-02) Milly Harriet Mukula
The financial performance of commercial banks has been averagely low in the past years. This was due to improper risk management strategies on different kind of financial risks that faced commercial banks in Uganda. This causes the liquidation of some commercial banks (Crane bank). This main study sought to find the effect of financial risk management on the financial performance of commercial banks in Uganda. The specific objectives were to assess the effect of credit risk, interest rate risk, and exchange rate risk on financial performance of the banks. The target population of the study was 40 and the sample size 36 respondents using the Slovene’s formula composed by managers and executives. The study used a case study research design. The simple linear regression and multiple regression analysis were used to analyze data. The main instrument was questionnaire and key informant interview. Thus, the regression analysis showed that financial risk management affects financial performance of commercial banks in Uganda. Specifically credit risk was regressed with financial performance, the result of the linear regression showed F-statistic 274.652 at P<.05 ;interest rate risk was regressed with financial performance, the result of the linear regression showed F-statistic 315.259 at P<.05; exchange rate risk was regressed with financial performance, the result of the linear regression showed F-statistic 250.823 at P<.05; this means that both credit, interest rate and exchange rate risk have significant effect on financial performance. The results of multiple regression analysis performed simultaneously on the variables showed that financial risk management has a positive strong effect on financial performance, this means that effective financial risk management will lead to a healthy financial performance of Stanbic bank in Uganda. The study concluded that credit risk, interest rate risk and exchange rate risk had statistically significant effect on banks financial performance in Uganda for the period under study and this explains 88.3 percent on the financial performance. The study recommended that given the current supervisory and regulatory policy frameworks for banks, risk managers should be more concerned with managing risk coming from financial operations and that future studies in this area be carried out for longer study periods and more independent variables, in order to bring out the true picture of the effect of financial risk management on financial performance. This study advanced knowledge by linking the escalating financial performance of commercial banks in Uganda to disregard of stakeholder theory.
Entreprenuerial Orientation and Access to Bank Credit by Selected Small and Medium Enterprises in Mbale City
(Uganda Christian University, 2024-06-10) Gloria Amuge
The study examined the entrepreneurial orientation and Access to Bank credit controlled by the size of the firm among Metal Fabrication Small and Medium Enterprises; a Case of Mbale City Council. The study was motivated by the dwindling low-rate uptake of access to bank credit among Metal Fabrication SMEs in Mbale City Council. The objectives of the study were to examine the influence of networking on access to bank credit among metal fabrication SMEs in Mbale City Council, to determine the influence of innovativeness on access to bank credit among metal fabrication SMEs in Mbale City Council, to assess the influence of risk-taking on access to bank credit among metal fabrication SMEs in Mbale City Council. Three research question were generated based on the objectives. The study adopted the credit rationing theory to conceptualize the variables as used in the study. A cross sectional survey design was adopted where both quantitative and qualitative data was collected. A sample of 129 Metal Fabrication SMEs were determined using Krejcie & Morgan table out of a population of 300 SMEs was selected. Using a simple random sampling 129 questionnaires were administered to collect quantitative data, only 129 questionnaires were filled and returned constituting a response rate of 76.33%. Qualitative information was collected using an interview guide for triangulation purposes from SME owners, Branch managers, relationship Manager (SMEs), and Chairperson of Mbale City Council metal fabrication association, representative from Uganda development Bank using an interview guide and selected using a purposive sampling method. Diagnostics tests were performed as a prerequisite for the parametric analysis for example data was tested for normality and multicollinearity. In the study, analysis was done at different levels first with descriptive statistics and by a multiple regression analysis. The findings of the study revealed a positive significant influence of networking on access to bank credit (Beta =0.390, P value =0.006), a negative significant influence of innovativeness on access to bank credit (Beta =-0.228, P value =0.008) and a negative significant influence of risk-taking on access to bank credit (Beta =-0.218, P value =0.046). The study recommended that efforts should be made to ensure that these metal fabrication SMEs should connect because networking provides avenues through which the government can channel money such as the “Emyoga Scheme” introduced by His Excellence the President of the Republic of Uganda Additionally, every SMEs should include innovativeness in the organization’s core values. SMEs should work hand in hand with financial providers to understand their level of risk appetite and develop a follow-back position in case of losses for business continuity purposes for example taking insurance. Future study could be directed to finding the moderating effect of financial characteristics between entrepreneurial orientation and access to bank credit
Cash Management and Financial Performance of a Private Ltd Company: A Case Studies of Elgon Millers Ltd
(Uganda Christian University, 2024-06-17) Immaculate Khalayi
The study was designed to evaluate cash management and financial performance in Private ltd Company by assessing the relationship between the two variables. The research was aimed at achieving the following objectives; to find out the effect of Cash Collection and financial performance, to find out the effect of cash disbursement on financial performance, to find out the effect of cash budgeting and financial performance of Private Ltd Company. A case study design was adopted during the study; information was obtained from primary sources using questionnaires and interviews and purposive sampling was used. Finding: a positive significant relationship between cash collection and financial performance (r = 0.985**, p< 0.01), also cash disbursement and financial performance, a significant positive relationship was revealed from the results (r = 0.943**, p< 0.01), and finally findings revealed that there is a positive and significant relationship between cash budgeting and financial performance with a result of (r = 0.978**, p< 0.01). If cash management is purely monitored, it becomes easy to implement and plan for the profits to be generated by the firm and therefore it is only through effective implementation of cash management that firms get desired profit set levels therefore the researcher concluded that cash management has a positive effect on financial performance of organizations. Recommendations suggested included the need for deploying a cash management system which involves support and coordination among multiple departments, putting into place more controls to ensure that cash is safe and also using more of the accrual basis of cash out flow than the cash basis in order to maintain the liquidity at an optimal level.
Local Revenue Management and Service Delivery in Municipalities of Uganda: A Case Study of Kapchorwa Municipality
(Uganda Christian University, 2024-06-17) Moses Soyekwo Mutai
The study focused on establishing the effect of Revenue collection on service delivery in Kapchorwa Municipal Council. The study was guided by three specific objectives which were; To examine the challenges Kapchorwa Municipal Council face in Revenue collection then find out how service delivery can best be improved, To establish the relationship between Revenue collection and service delivery in Kapchorwa Municipal Council then come up with intervention, To examine different sources of Revenue collection. Therefore a descriptive research design was because the researcher studied the community which will be familiar hence the purpose was to depict accurately and in detail the characteristics of revenue collection in Kapchorwa Municipal Council. A sample of 30 respondents was selected using simple random sampling method and the predetermination method where other sections had only one staff. These included staff drawn from Municipality and two divisions (Western and Eastern). The data was collected from both primary and secondary source. Primary data collection was through direct intervention with respondents and through interview, administration of questionnaire and secondary data was collected from consulting publications such as books, of local government Act. The data was analyzed using tables and statistical calculations like co-efficient to ascertain the relationship. The challenges encountered in Revenue collection are, Tax defaults, closure of business, political intervention, embezzlement among others. The findings showed a strong positive relationship (r=0.94388, p o 0.01) between revenue collection and service delivery has a direct relationship with local revenue collections. Largely, Kapchorwa Municipal Council had registered a fundamental decline in service delivery because of poor revenue collectors. Recommendation: There is need to reduce on political interference, assessment and sensitizing communities, privatization of revenue sources and training of revenue collectors.
Credit Financing and the Financial Performance of Selected SMEs in Kapchorwa Municipality
(Uganda Christian University, 2024-06-21) Benson Kusuro
The study set out to find out the effect of credit financing on performance of SMEs in Uganda, with Kapchorwa Municipality. The study adopted a descriptive research design and survey designs, which helped in collecting and analysing qualitative and quantitative data. A sample of 70 participants was selected from a target population of 80 subjects who were purposively and randomly selected. The study used both structured and unstructured questionnaires, and an open-ended interview guide to collect data. The results showed that trade credit is mostly preferred by the SMEs as the means of financing the business operations. The study also had some limitations like limited time for the study, constraints in convening the respondents for focus group discussions (fgd), fear of being allowed to access confidential data especially data related to financial statements, loan performance reports and many others. The study concluded that credit financing has a significant impact on the financial performance of SMEs. As a recommendation on long-term loans, this study recommends that policy support for financial institutions should emphasize the training of various enterprises so as to them comprehensively to use the available long-term loan services to better their growth opportunities. On short-term loans, the researcher recommends financial institutions to incorporate in their programs a pronounced aspect of training about how best their clients could utilize the available services especially given the fact that this is for the end of enhancing entrepreneurs in the area and finally the study recommends that given trade credit seems to appeal most of the enterprises in the region, financial institutions could consider having some promotions that specifically target other enterprises that have not yet embraced trade credit to do so in order to enhance their financial performance.
Working Capital Management and Financial Performance of SMEs in Mbale City
(Uganda Christian University, 2024-06-28) Tabitha Marion Chebet
The main purpose of the study was to determine the effect of Working Capital Management on the Financial Performance of SMEs in Mbale City. The specific objectives were assess the influence of accounts payable management on the financial performance of small and medium enterprises in Mbale City, examining the influence of accounts receivables management on the financial performance of SMEs in Mbale City, to analyze the influence of cash management on the financial performance of SMEs in Mbale City. The study covered a period of 3 years and adopted descriptive research design. The data was collected from a sample of 66 respondents. The study revealed that cash management has a positive significant influence on financial performance and it explains variances in financial performance by up to 34.4% (adjusted R square=0.344). The evidence presented showed that account receivable management affects financial performance (F=54.784, Sig level=0.000). It was also revealed that credit management affects financial performance. The findings indicate that the model fits well and significantly explain the variations in financial performance as a result of credit management (F=20.553, P-value<0.01). It was also concluded that any increase in effort by SMEs to manage working capital, there would be an increase in financial performance. The study concluded that there is a significant and positive influence of credit management on financial performance. The study also portrays evidence that there exists positive significant relationship between account receivable management and financial performance of small and medium enterprises with in Mbale City. The study recommends that SMEs should increase on then time lag of clearing bills, SMEs should manage their accounts receivables, monitoring petty cash, more research into how the other components of working capital management affects the financial performance of SMEs.
Cash Management and Financial Performance of Small Sized Enterprises in Soroti City, a Case Study of Soroti Market
(Uganda Christian University, 2024-06-29) Sarah Atengo
The study was designed to evaluate cash management and financial performance in SSEs by assessing the relationship between the two variables in Soroti City Market as the case study. The research was aimed at achieving the following objectives; to find out the effect of Cash Collection and financial performance, to find out the effect of cash disbursement on financial performance, to find out the effect of cash budgeting and financial performance at Soroti City Market. A case study design was adopted during the study; information was obtained from primary sources using questionnaires and interviews and purposive sampling was used. Further a positive significant relationship between cash collection and financial performance (r = 0.985**, p< 0.01), also cash disbursement and financial performance, a significant positive relationship was revealed from the results (r = 0.943**, p< 0.01), and finally findings revealed that there is a positive and significant relationship between cash budgeting and financial performance with a result of (r = 0.978**, p< 0.01). If cash management is purely monitored, it becomes easy to implement and plan for the profits to be generated by the firm and therefore it is only through effective implementation of cash management that firms get desired profit set levels therefore the researcher concluded that cash management has a positive effect on financial performance of organizations. Recommendations suggested included the need for deploying a cash management system which involves support and coordination among multiple areas, putting into place more controls to ensure that cash is safe and also using more of the accrual basis of cash out flow than the cash basis in order to maintain the liquidity at an optimal level.
Budget Management and Service Delivery in Local Government: A Case Study of Nagongera Town Council
(Uganda Christian University, 2024-06-29) Topista Achieng
The aim of the study was to examine the effect of budget management on the service delivery in Nagongera Town council. The specific objectives of the study were to; examine the effect of budget planning on the service delivery in Nagongera Town council; assess the effect of budget implementation on the service in Nagongera Town council city and to determine the effect of budget monitoring on service delivery in Nagongera Town council. The study used a case study design that used questionnaires and interview guide to collect data from a sample of 165 respondents. Quantitative data were analyzed using the SPSS computer-based software using both descriptive and inferential techniques, while qualitative data were summarized into themes and quotes. The study found that budget planning was significant in predicting service delivery with R square value = 0.386 and β = .621 with p-value = 0.000<0.05. The regression coefficient of budget planning was positive and significant in predicting the service delivery. Further the study found that budget implementation had R square value = 0.314 and β = .560 with a p-value = 0.000<0.05. The regression coefficient of budget implementation was positive and significant in predicting service delivery. The study further found that budget monitoring had significant effect in predicting service delivery with p-values of 0.000 less than 0.05, R square value = 0.393 and β = .627. The study concluded that service delivery improves with better budgetary management. The study recommends that the government should increase funding to Nagongera Town Council, build the capacity of technical staff in Nagongera Town Council to implement budgets, introduce robust information and accounting systems and improve public participation in the management of budgets.
Talent Management and Employee Retention: A Case of Nile Breweries Ltd Mbale Branch
(Uganda Christian University, 2024-07-01) James Shaine
This study aimed to investigate the influence of talent management on employee retention at Nile Breweries Ltd. The specific objectives were to establish the contribution of employee engagement, assess the relationship between career development and employee retention, and analyze the role of employee retention management. With a population of 45 employees, a sample size of 40 was selected using a descriptive research design. The findings revealed that employee engagement significantly contributed to employee retention, while career development showed a positive relationship with retention levels. Additionally, effective employee retention management practices were found to enhance overall retention rates. The study concludes that talent management plays a crucial role in fostering employee retention at Nile Breweries Ltd. It recommends that the company invests in enhancing employee engagement strategies, prioritizes career development opportunities, and strengthens retention management practices to sustain a motivated and committed workforce. By addressing these areas, Nile Breweries Ltd. can improve its employee retention outcomes and ensure long-term organizational success.
Access to Finance and Financial Performance of SMEs in Uganda: A Case Study of Selected SMEs in Eastern Division, Soroti City
(Uganda Christian University, 2024-07-01) Jean Kenneth Ekubu
This study sought to examine the effect of access to finance on financial performance of small and medium enterprises in Uganda, a case of selected SMEs in Soroti city, Eastern division. The study objectives were to: To assess the effect of cost of credit and financial performance of SMEs in Soroti city, Eastern division; To examine the effect of collaterals security on financial performance of SMEs in Soroti city, Eastern division; To assess the effect of accessibility of financial institution on financial performance of SMEs in Soroti city, Eastern division. The study population was 120 respondents from the selected SMEs in Eastern division in Soroti City. The study employed purposive sampling and simple random sampling techniques in coming up with a sample size of 92 respondents. The primary data collection method used was a questionnaire. The collected data was analyzed using descriptive statistics in SPSS version 20. Linear and Multiple regression analysis were also used to determine the effect of the independent variables on dependent variables. The study found that cost of credit was significant in predicting the financial performance of SMEs with R square value = 0846 and β = .920 with p-value = 0.000<0.05. The regression coefficient of cost of credit was positive and significant in predicting the financial performance. Further the study found that collateral security had R square value = 0.900 and β = .948 with a p-value = 0.000<0.05. The regression coefficient of collateral security was positive and significant in predicting financial performance. The study further found that Accessibility to financial institutions had significant effect in predicting financial performance with p-values of 0.000 less than 0.05, R square value = 0.812 and β = .901. The study recommends that Financial institutions should also modify their products to suit the financial requirements of small business entrepreneurs. The study additionally suggests that the government should strengthen fiscal policies promoting growth of small business entrepreneurs both for those nursing business ideas and those already in different engagements. Finally, the study recommends that Financial institutions should avail information to people in different areas using the available local channels like radios so that people can quickly get to know about their services rendered.
Conflict Management Strategies and Employee Performance in Mbale District Local Government
(Uganda Christian University, 2024-07-02) Isaac Sodo
This report has focused the impact of conflict management strategies and Mediation on Employee performance; effect of Negotiation on Employee performance and Effect of Arbitration on employee performance in local government in Mbale district. The study used Krejcie and Morgan (1970) table where 80 sample size of respondents selected from 100 of the employees of Mbale District Local Government of which only 78 respondents filled and returned the questionnaires.. The study used a cross section survey research design with both qualitative and quantitative approaches. The study population involved the Chief Administrative Officer, Heads of Departments, Principle personnel officer, Town clerks, sub-county chiefs and community development officers. Data collection utilized questionnaires and interviews. Data was analysed to obtain frequencies, mean, standard deviation, correlations and regression statistics to ascertain the significance of the variables. The realized that mediation slightly influences employee performance (r=.254, p=.043). Respondents revealed that mediation can only influence employee performance if it is done well. It was revealed that Arbitration has a significant influence on employee performance (r=.649, p=.000). Respondents appreciated that whenever arbitration is applied in managing conflicts, employees’ performance is improved. In addition, it was discovered that Negotiation influences employee performance (r=.555, p=.000). Respondents revealed that whenever there is a conflict, the parties in dispute are given an opportunity to meet, discuss and agree amicably. Respondents believe that after negotiation, there is improved employee relations that stimulates employee’s productivity. n conclusion, Conflict management strategies positively influences employee performance in Mbale District Local Government. It was therefore recommended that Arbitration committees should maintain high level of integrity, transparency and impartiality, negotiation should also be applied in other situations even if there is no conflict and Mediation can be used only in situations of low productivity, delay in accomplishment of tasks and absenteeism of employees at work.
Total Quality Management and Organizational Performance in Manufacturing Companies: A Case of Mt. Elgon Millers
(Uganda Christian University, 2024-07-02) Jennifer Nyadoi
The study aimed to investigate the relationship between total quality management (TQM) practices and organizational performance at Mt. Elgon Millers Ltd. Adopting a case study design, the research employed both quantitative and qualitative approaches, involving a sample size of 60 participants. Specific objectives focused on examining storage management practices, materials handling practices, and lead time management practices in relation to organizational performance. The findings revealed significant correlations between TQM practices and organizational performance indicators. Specifically, effective storage management, efficient materials handling, and streamlined lead time management were found to positively influence organizational performance. In conclusion, the study recommends that Mt. Elgon Millers Ltd. prioritize the implementation of robust TQM practices to enhance overall organizational performance and competitiveness in the industry.
FINANCIAL ACCOUNTABILITY AND SERVICE DELIVERLY IN LOCAL GOVERNMENTS IN UGANDA. A CASE OF BUKEDEA DISTRICT LOCAL GOVERNMENT
(N/A, 2024-07-12) APUNYO FAITH ADONG
The general objective of this study was to examine the effect of financial accountability on service delivery in local governments, with a focus on Bukedea District. The research was guided by three specific objectives: (i) to establish the effect of financial planning on service delivery, (ii) to examine the effect of financial mobilization on service delivery, and (iii) to assess the effect of financial controls on service delivery. The study utilized a sample of 36 respondents derived from a population of 40, based on the Slovin formula. The findings revealed that financial planning had a limited impact on service delivery, with only 40% of respondents indicating a positive correlation. Despite setting strategic goals and involving stakeholders, budget plans and allocations were found to be inadequate. Financial mobilization demonstrated a similar trend, with 35% of respondents acknowledging some effectiveness, but the direct impact on service delivery remained minimal. Financial controls showed a moderate positive relationship, with 55% of respondents agreeing that effective controls contributed to improved service delivery. The study concluded that while financial planning, mobilization, and controls are critical components, their individual effects on service delivery were constrained by other factors. Recommendations included enhancing the integration of these financial practices with broader organizational strategies to improve service outcomes. The study suggested that more comprehensive approaches incorporating financial planning, mobilization, and controls, along with additional measures, could lead to better service delivery in Bukedea District.
Talent Management Strategies on Employee Performance in Local Governements: A Case Study of Soroti City Council
(Uganda Christian University, 2024-07-26) Irene Acen
The purpose of this study was to determine talent management strategies on Employee performance in Local Governments. The study came in as a response to the problem that Local governments have failed to fully implement talent management due to high costs associated with talent management and as well as lack of tangible benefits. The study looked at effects of talent identification, Employee training and talent management on employee performance. The study focused on descriptive research design where a target population of 100 respondents were retrieved from 20 Top administration, Heads of Departments and 80 employees of Soroti City Local Government. Sample size was formulated using stratified percentage method where 10% of the total population of 1000 staff in Soroti City Council was targeted. Data collection was carried out using questionnaires where analysis involved descriptive statistics. The findings in this study will be used for making recommendations for public service, local governments, NGOs and private sector in order to improve on employee performance so as to achieve Governments, companies or organizational desired goals.
Strategic Management Practices and Organizational Performance: A Case Study of Centenary Bank, Soroti Branch
(Uganda Christian University, 2024-07-29) Everine Apio
The main purpose of carrying out this study was to analyze the impact of strategic management on organizational performance, case study of Centenary Bank Soroti Branch. The objectives of the research were to analyze the influence of financial technology system on daily loan tracking backed by staff and customer incentives, to ascertain the influence of individual micro-lending as the Bank’s sole lending technology and to establish the influence of financial services and outreach in Centenary Bank Soroti Branch. The findings indicate that FinTech represents a novel financial model, combining technological innovation with financial services shows over 60%, It employs emerging scientific and technological means such as online settlement, mobile payments, and cloud computing to extend various financial services, including account settlement, investment management, and credit facilities gave 64% responses, Creating opportunities for the banking industry to integrate pioneering FinTech solutions, reduce costs, enhance flexibility, attract deposits and promote financial inclusion 73%, Assessing banks’ management efficiency in attracting more deposits from current and potential clients. The poor represent the largest share of the population and that the informal sector is an important part of the economy over 97%; Designate financial institution dedicated to assisting small enterprises, the poor, and households who have no access to the more institutionalized financial system, in mobilizing savings, and obtaining access to financial services 91%, In a group-lending contract, each borrower obtains a loan for her/his project and the liability can be joint; this joint liability induces group members to self-select each other and provides an incentive for peer monitoring 88%, Small borrowers in the group lending have perfect knowledge of each other 94%. Centenary has introduced agricultural lending in Soroti Branch 99%; The approach is prudent and gradual to its customers 100%; Areas of operation are determined by a team of loan officers on the basis of the commercial potential of the crops grown, soil quality, rain fall, accessibility, and cultural factors of entrepreneurial and financial behavior 90%; The loan officers held customer education training sessions in the local language on all relevant aspects of banking, which were deepened in loan sessions at the time of disbursement 100%; Particular emphasis of financial services is placed on the importance of timely repayment and the associated incentives 90%. The research recommends that Centenary Bank can maximize the benefits of integrating fintech into its daily loan tracking operations while fostering a culture of innovation, efficiency, and customer-centricity while focusing on Staff Training and Incentive, Customer Engagement and Education, Enhanced Data Security and Privacy and Collaboration with Fintech Partners. Centenary Bank can maximize the positive impact of individual micro-lending, empower borrowers, and contribute to economic development and poverty alleviation in the communities it serves. Individual micro-lending can indeed have a significant influence on Centenary Bank's operations and its impact on the community it serves. The bank plays a crucial role in the economic development and financial inclusion of its community. Centenary Bank can strengthen its financial services and outreach efforts, thereby contributing to the economic development and well-being of its community
Health and Safety Programs and Performance of Employees in Public Universities in Uganda: A Case Study of Makerere University Business School Mbale Campus
(Uganda Christian University, 2024-08) Paul Muzei
This study investigatedthe impact of health and safety programs on the performance of employees at Makerere University BusinessSchool,Mbale Campus, with a sample size of 40 respondents derived using the Slovin formula from 1960. The study's general objective was to examine how these programs influence employee performance. The specific objectives included: (i) exploring the relationship between the work environment and employee performance, (ii) assessing how health insurance affects employee performance, and (iii) evaluating the effectiveness of safety training programs in enhancing performance. The findings reveal that 57.5% ofrespondents are aged between 15-30 years, with an equal gender distribution (50% male, 50% female). Regarding marital status, 70% are single, while educational attainment shows that 50% have tertiary education or higher. The study concludes that the work environment significantly impacts employee performance, with health insurance contributing to reduced absenteeism and improved job satisfaction by 69.5%. Safety training programs positively influence productivity and compliance, though their overall impactis moderate, as indicated by a 0.145 correlation coefficient. The study recommends enhancing health insurance coverage to further reduce absenteeism and stress, improving safety training programs to cover broader topics and increase participation, and continuously evaluating these programs to ensure they meet the evolving needs of employees effectively.
Revenue Administration and Revenue Performance in Local Governments in Uganda: A Case of Namisindwa District
(Uganda Christian University, 2024-08-02) Metrine Nanzala
The study examined the relationship between local revenue administration and local revenue performance in Namisindwa District Local Government. The study was underpinned by three objectives which included examining the relationship between local revenue planning and performance in Namisindwa District Local Government, examining the relationship between local revenue collection and performance in Namisindwa District Local Government and assessing the relationship between local revenue monitoring & evaluation and performance in Namisindwa District Local Government. The study was conducted using a cross-sectional research design, adopting both quantitative and qualitative approaches. 65 respondents formed the population, of which, 54 respondents were chosen using simple random sampling technique while others were selected purposively. Findings revealed that there was a significant and positive relationship between local revenue planning and performance in Namisindwa District Local Government (r= .643). On the second objective, there was a significant and positive relationship between local revenue collection and performance in Namisindwa District Local Government (r= .871). The third objective revealed that there was a significant and positive relationship between local revenue monitoring & evaluation and performance in Namisindwa District Local Government (r= .741). The study concluded that if more emphasis is put on local revenue planning, local revenue collection and local revenue monitoring and evaluation, then the Local revenue of local governments in Uganda may tremendously increase. There is need therefore to devise appropriate mechanisms for collecting taxes efficiently while giving much attention to adequate local revenue planning, local revenue collection and local revenue monitoring and evaluation.
Consumer Behaviour and Buying Patterns in Fast Moving Consumer Goods Markets: A Case Study of Coca-Cola Company, Busia Branch
(Uganda Christian University, 2024-08-02) Suzanne Mirembe
The study aimed to explore the intricate relationship between consumer behavior and buying patterns within the fast-moving consumer goods market, specifically focusing on Coca-Cola's Busia branch. Employing a cross-sectional research design, the study sampled 63 participants from a population of 78. Findings revealed significant insights: firstly, consumer attitudes strongly influence buying patterns, highlighting the importance of consumer perceptions and preferences in shaping purchasing decisions. Secondly, social influences emerged as pivotal, demonstrating how external factors such as peer influence and societal norms impact consumer behavior. Thirdly, perceived behavioral control factors, including convenience and accessibility, were found to significantly affect buying patterns, underscoring the role of logistical considerations in consumer choices. Overall, the study concludes that understanding these relationships is crucial for enhancing marketing strategies and customer satisfaction in the FMCG sector. Recommendations include tailored marketing campaigns that resonate with consumer attitudes, leveraging social networks for effective outreach, and optimizing distribution channels to improve accessibility. Implementing these recommendations can potentially strengthen Coca-Cola's market position in Busia by aligning product offerings more closely with consumer preferences and behaviors.
Debt Management and Financial Performance of Microfinance Institutions: A Case Study of Bayport Microfinance Mbale Branch
(2024-08-14) Ruth Sheilla Namataka
The efficient management of credit plays a very important role in the financial performance of Microfinance institutions. This research focuses on exploring the impact of credit analysis, credit risk controls, and credit collection policy on the financial performance of Bayport Microfinance Mbale Branch. The objectives of this study were to assess the effect of credit analysis on the financial performance of the bank, to determine the influence of credit risk controls on financial performance, and to analyze the effects of credit collection policy on financial outcomes. The researcher used a descriptive research design that aims to systematically obtain information to describe a population. It helps answer the what, when, where, and how questions regarding the research problem rather than the why. Data was collected from Bayport Microfinance Mbale Branch, utilizing both qualitative and quantitative research methods. The findings indicate that credit analysis has a positive correlation (r = 0.65) and a regression coefficient (β = 0.48) with financial performance; credit risk controls show a stronger correlation (r = 0.72) and regression coefficient (β = 0.56); and credit collection policy also has a significant correlation (r = 0.69) and regression coefficient (β = 0.52) with financial performance. In conclusion, credit analysis significantly impacts financial performance, and it is recommended to enhance the process by adopting advanced credit scoring models and continuous training for credit officers. Effective credit risk controls are crucial for improving financial performance, and it is recommended to strengthen credit risk management frameworks by incorporating robust risk assessment tools and regular monitoring. An efficient credit collection policy positively affects financial outcomes, and it is recommended to implement stricter credit collection policies and follow-up procedures and consider adopting technology-driven solutions to streamline the collection process. These insights are expected to not only contribute to academic knowledge but also offer practical recommendations for improving debt management practices within the banking sector.
Electronic Banking and Financial Performance of Commercial Banks in Uganda: A Case Study of Centenary Bank, Kumi Branch
(2024-08-14) Boniface Emuron
The main purpose of the study was to determine the effect of electronic banking on the financial performance of commercial banks in Uganda, with a case study of Centenary Bank, Kumi branch. The specific objectives were to determine the extent of internet, mobile, ATM banking adoption and its effect on financial performance. The study covered a period of 4 years and adopted descriptive research design. The data collected was collected from the sample of 34 respondents from that Centenary Bank, Kumi Branch. The study findings established that internet banking had a strong relationship with financial performance of Centenary Bank and it contributed 33.2% change in financial performance of Centenary Bank. The study findings established that mobile banking had a strong relationship with financial performance of Centenary Bank and it contributed 30.2% change in financial performance of Centenary Bank. The study findings established that ATM banking had a strong relationship with financial performance of Centenary Bank and it contributed 35.9% change in financial performance of Centenary Bank. The study concluded that e-banking has proven to be a significant driver of financial performance for Centenary Bank, enhancing profitability, operational efficiency, customer experience, leads to greater access to banking and it was recommended, Innovation in Services, sensitization of customers on the use of e-banking products, promoting e-banking workshops and training to customers. The time span should be expanded from 4 years to 8 years. Areas for further research; Comparative Analysis, longitudinal studies, Investigating customer behavior and preferences, Marketing strategies and adoption of e-banking services among customers, EFT and use of non-performing loans as a measure of financial performance.

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