Bachelor of Business Administration - Main Campus

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THE IMPACT OF ADVERTISING ON SALES PERFORMANCE IN TELECOMMUNICATION COMPANIES IN UGANDA: A CASE OF MTN LUWEERO TERRITORY
(UGANDA CHRISTIAN UNIVERSITY, 2025-08-08) KAJUBI VICENT
The study aimed at establishing the impact of advertising on sales performance of MTN Luweero Territory, Uganda. The specific objectives included: to find out the effect of digital advertising on sales performance of MTN Luweero Territory, Uganda, to establish the effect of persuasive advertising on sales performance of MTN Luweero Territory, Uganda, and to examine the effect of informative advertising on sales performance of MTN Luweero Territory, Uganda. The study adopted a quantitative correlational design. This study targeted employees of MTN Luweero Territory including Territory manager, territory sales manager and operational staff, totaling to 28 participants, and these were simple randomly selected basing lottery approach outlined by Krejcie and Morgan (1970). The questionnaires were used in collecting data, and analyzed quantitatively. The results revealed that digital advertising has a significant effect on sales performance of MTN Luweero Territory, Uganda (r= .686**, p=0.001). Specifically, advertising accounts for 24.5% variation in the sales performance of MTN Luweero Territory. It also revealed that persuasive advertising has a significant effect on sales performance of MTN Luweero Territory (r= .342**, p=0.001). Specifically, persuasive advertising accounts for 30.4% variation in the sales performance of MTN Luweero Territory. The study finally revealed that informative advertising has a significant effect on sales performance of MTN Luweero Territory, Uganda (r=0.589** , p=0.002). Specifically, informative advertising accounts for 31.3% variation in the sales performance of MTN Luweero Territory. The study concluded that digital advertising and informative advertising had the highest significant positive relationship on the sales performance of MTN Luweero Territory, Uganda. To improve MTN’s advertising in Uganda, a multi-faceted approach is needed, focusing on targeted campaigns, enhanced brand visibility, and responsible advertising practices. This includes leveraging data analytics for personalized messaging, strengthening online presence and fostering transparency and trust with customers, and areas of further research were suggested.
Organizational Restructuring and Performance of Business Organizations. The Case of Uganda Christian University
(Uganda Christian University, 2025-06-10) Caroline Kahunde
The study examined the effect of organizational restructuring on performance of business organizations: a case of Uganda Christian University (UCU). It specifically focused on; examining the effect of structural changes on the performance of business organizations, examining the effect of workforce adjustment on the performance of business organizations, and examining the effect of process reengineering on the performance of business organizations. The study was carried out using a cross-sectional study design where both quantitative and qualitative research approaches were also used. The data was collected using questionnaires and interviews and during data collection; both simple random and purposive sampling methods were used. A sample size of 44 respondents who are lower-level employees from the administration department of UCU and the top management in UCU was also used in the study. The study findings revealed that organizational restructuring at Uganda Christian University—through structural changes, workforce adjustment, and process reengineering—significantly enhanced institutional performance. Structural changes improved communication, decision- making, and efficiency, showing a strong positive correlation (r = .582**, p < .05) and a significant predictive value (β = 0.297, t = 2.601, p = 0.013). Workforce adjustment improved productivity and adaptability, also exhibiting a strong correlation (r = .591**, p < .05) and significant influence on performance (β = 0.204, t = 1.655, p = 0.016). Process reengineering, which streamlined workflows and boosted innovation, had the strongest impact with the highest correlation (r = .692**, p < .05) and regression significance (β = 0.465, t = 3.943, p = 0.000), confirming its critical role in driving organizational success. Finally, the study recommended the need for Uganda Christian University prioritize continuous process reengineering, adopt new technologies, enhance employee involvement in restructuring, focus more on process redesign over structural adjustments, and implement a strategic restructuring plan to sustainably improve organizational performance and efficiency
The Impact of Records Keeping on the Financial Performance of Small and Medium-scale Business, a Case Study of SMEs in Kisinga Town Council in Kasese District, Western Uganda
(Uganda Christian University, 2025-06-12) Arnold Asingya
The purpose of this study was to examine the effect of record keeping on the financial performance of small and medium scale enterprises (SMEs) in Kisinga Town Council in Kasese District, Western Uganda. The study was guided by three main objectives: (i) to identify the kinds of records that SMEs keep, (ii) to examine the record keeping challenges that SMEs face, and (iii) to assess the link between record keeping and financial performance. The study employed a descriptive research design and used a mixed approach with qualitative and quantitative data collection methods through the use of questionnaires and interviews. In total, 40 SME owners and managers were surveyed. A stratified random sampling approach to selecting the respondents was applied to ensure that different sectors (retail, manufacturing, and services) were included. Data analysis was conducted using Statistical Package for the Social Sciences (SPSS) with descriptive statistics. The results indicated that while only some SMEs keep essential financial records including cashbooks, general ledgers, and income statements, for a large number of them, record completeness and accuracy is often a struggle. To be precise, significant barriers impacting effective record keeping included lack of accounting knowledge, cost of a professional bookkeeper, time to keep records, and the informal nature of many businesses in the region. There was also a significant positive relationship between correct record keeping and increased financial performance, meaning that SMEs with proper records are more likely to find and track profitability, control costs, and access for loans. Barriers to effective record keeping were noted, including business owner illiteracy, fear of being taxed, no formal financial management training, and inadequate financial literacy. The study adopted an approach to improve financial literacy, digitize as it is more affordable, provide access to formal financial methods, and enhance the performance of the SME. Suggestions includes training programs specifically in record keeping, support by the government to formalize the many informal businesses, and designing simpler accounting tools to assist small businesses in their efforts to improve financial recordkeeping
The Impact of Reward Systems on Employee Performance. A Case Study of Equity Bank Kireka
(Uganda Christian University, 2025-06-04) Basara Prisca Kobusinge
This study was meant to establish the effect of reward systems on employee performance of Equity Bank Kireka. The objectives of this study were to investigate the influence of pay on the performance of employees in Equity Bank Kireka, to investigate the influence of training on the performance of employees in Equity Bank Kireka, and to examine the influence of promotion opportunities on the performance of employees in Equity Bank Kireka. The study provided immense input that was useful to the government of Uganda in making policies on reward systems and compensation packages for various industries. The study adopted a crosssectional survey research design to establish the relationship that existed between reward system and employee performance. The study population consisted of 41 employees at the branch but a sample size of 38 respondents was selected through purposive and random sampling techniques. Data is mainly collected through primary methods like self-administered questionnaires, personal interviews, and from secondary sources like journals and textbooks. Data so collected shall be analyzed using SPSS software and presented in tabular form. The questions were made valid by clarity and reliable through the pilot study. Based on the first objective: to find out the effect of pay on employees' performance in Equity Bank Kireka, the results indicated that a good pay system motivates personnel to perform well in their duties. The study, done to find out how training affects the performance of Equity Bank Kireka employees, observed that the training programs which best suit the needs and expectations of employees and include components of on-the-job, practical, and social learning have a positive influence on employee commitment, performance, and productivity. Second, it looks at the influence of promotion opportunities on the performance of Equity Bank Kireka employees: studies have shown that when promotions are seen as achievable and welldeserved, the levels of engagement and performance are higher. It also recommended that, in Equity Bank Kireka, promotion processes should be as open and fair as possible through the provision of clearly spelled-out promotion criteria, as well as communications with regard to the opportunities for promotions.
Quality of Financial Reporting and Organizational Performance. A Case Study of Airtel Uganda
(Uganda Christian University, 2025-05-27) Bua Jerum Enyang
This research investigated the quality of financial reporting and its impact on organizational performance at Airtel Uganda. The objectives were to analyze the impact of quality financial reporting on organizational performance, Identify the key factors affecting quality financial reporting and to examine the challenges faced in enhancing quality financial reporting. It examined how accurate financial reporting influenced decision-making, stakeholder confidence, and overall business success. The total population size was 100 employees; the recommended sample size was 80 employees. Data was collected through interviews and questionnaires involving respondents from various levels within the organization. The study Findings revealed that high-quality financial reporting significantly enhances organizational performance by improving decision-making processes and fostering stakeholder trust. Key factors affecting reporting quality include adequate training, modern accounting technology, and effective internal controls. However, the research revealed Challenges such as a lack of skilled personnel and poor inter-departmental communication which were identified as barriers to achieving optimal reporting standards. The study concludes that investing in training, embracing technology, and enhancing communication are essential for improving financial reporting quality and, consequently, organizational performance. The study Recommends for ongoing evaluation and adaptation of financial practices are also provided to ensure long-term success, the adoption of advanced technological solutions, strengthen internal controls and improve communication with in the organization
Management Practices and Growth of Micro Enterprises in Mukono Municipality. A Case Study of Buguju Trading Center
(Uganda Christian University, 2025-05-26) Wendy Kabagenyi
This study explores the impact of managerial practices on the growth of micro enterprises in Buguju Trading Center, located within Mukono Municipality, Uganda. Micro enterprises play a crucial role in the local economy through job creation and poverty alleviation. However, despite being extremely important, the majority of micro enterprises experience managerial practice issues that can impact their growth and sustainability. The purpose of this research is to determine how various management practices—specifically financial management, and customer relationship management (CRM)—influence the growth of such businesses. Conducting the data gathering among the owners of the micro enterprises only, the study employed mixed qualitative and quantitative methods. Stratified sampling technique was used to select participants who belonged to various sectors of businesses of the trading center to get a representative cross-section of opinion. Some of the most prominent research questions examine the implementation and effectiveness of management practices, the challenge micro enterprises face in adopting formal management systems, and whether these practices are linked with business performance measures such as customer retention, sales growth, and profitability. According to the study, good management practices, particularly financial planning and customer relationship management, contribute positively to business growth. Yet, factors such as limited finances, poor formal education, and informal business tactics hinder the capacity of micro businesses to maximize on these practices. The research makes conclusions on what policy makers and business development institutions can do to support micro enterprises in Buguju Trading Center by offering specific assistance in the areas of training, financial service access, and infrastructural development to build the capacity of the micro enterprises to embrace and apply management practices that spur growth. This study contributes to the body of work on micro enterprises in developing economies and offers practical suggestions for enhancing business management practices for economic development in Uganda's local trading centers.
Financial Management Practices and the Performance of Micro Enterprises in Mukono Municipality
(Uganda Christian University, 2025-05-26) Derrick Kisakye
This research report established the connection between financial management practices and performance of micro-enterprises in Bugujju trading center in Mukono municipality. The report focused on the objectives; to investigate the influence of budgeting on the financial performance of micro enterprises, to examine the influence of cash flow management on the performance of micro enterprises, and to assess the effects of risk management on the performance of micro enterprises. It consists of the background information for this research, including the problem statement, objectives and purpose, research questions, the scope of the study, and its relevance in chapter 1. Chapter 2 displays an overview of the literature study on financial management techniques and the overall performance in micro enterprises and also how different researchers have evaluated these variables. Chapter 3 provides the research methodology that is to say the research design which was cross sectional research design, study population of 60, sample size of 50, data collection instruments which was a questionnaire, data quality (reliability and validity), and data presentation methods. Chapter 4 discusses the research findings in line with the research objectives. The study found out that success, profit, and business expansion can be attained by micro-enterprise through effective financial management practices. Proper financial management practices such as budgeting, cash flow management and risk management enable managers to predict future business needs and trends and also helping them respond to the financial status of the business at a given time. Data was provided in form of tables facilitate clarity and easy of interpretation.
The Effect of Recruitment Practices on Employee Performance at Stabex International Limited - Uganda
(Uganda Christian University, 2025-05-21) Stella Dheyongera Kyabwe
This study examined the effect of recruitment practices on employee performance at Stabex International Uganda, with a focus on the influence of outsourcing through agencies and graduate recruitment. Using both quantitative and qualitative data collected from 24 respondents through structured questionnaires and in-depth interviews, the research explored how these recruitment strategies affect productivity, motivation, and overall job performance. The findings reveal that graduate recruitment (41.7%) and outsourcing (33.3%) are the most commonly utilized strategies, both showing a strong positive influence on employee performance indicators such as innovation, role fit, and efficiency. Quantitative data were analyzed using descriptive statistics, correlation, and regression analysis to determine the strength and direction of relationships between recruitment practices and performance. Qualitative data, collected through a structured interview guide, provided context and a deeper understanding of employee experiences and perceptions regarding the recruitment process. Findings further revealed that recruitment practices at Stabex significantly influence employee performance. Correlation results indicated a positive relationship between outsourcing and performance (r = 0.521), and between graduate recruitment and performance (r = 0.544), suggesting that these strategies can be effective when well implemented. Regression analysis further confirmed that recruitment practices account for a considerable proportion of variance in employee performance (R² = 0.471). Interview data supported these findings, highlighting concerns around cultural fit, communication gaps in outsourcing, and the need for better onboarding for graduate hires. The study concludes that while Stabex International has established relatively effective recruitment processes, there is room for improvement, particularly in enhancing the balance between technical qualifications and cultural fit. Recommendations include strengthening collaboration with outsourcing agencies, expanding mentorship for graduate recruits, and streamlining internal promotion processes. These steps could enhance employee satisfaction, engagement, and performance, thereby supporting organizational growth and sustainability.
The Impact of Internal Control Effectiveness on the Financial Reporting Quality in the Uganda's Business Industry.
(Uganda Christian University, 2025-05-20) Alex Nuwasasira
Introduction; The study assessed that the impact of internal control effectiveness on the financial reporting quality in Jactor super market Mukono . The study was guided by the following objectives: To analyze the effect of internal control policies on the quality of financial reporting in Uganda's business industry, to evaluate the influence of corporate governance practices on the financial reporting quality in Uganda's business industry and to evaluate the effectiveness of internal control systems on the financial reporting quality in Uganda's business sector. Methods;The study adopted adescriptive research design. Descriptive design was used because it’s appropriate in collecting information about people’s attitude, opinions and habits. the study population was 60 and the sample size was 52. Results: The study established that Internal control policies had helped to detect errors and fraud in financial reporting at Jactor supermarket, strong internal control policies had helped to prevent and detect errors and fraud in financial reporting, accurate financial reporting depended on internal controls at Jactor super market. The study further revealed that the board was responsible for overseeing the financial reporting at Jactor super market and Internal control system hadprovided reasonable assurance that the company's financial reporting is accurate and reliable. The efficacy and quality of the internal control system implemented enabling the business to survive at Jactor super Conclusion; The study concluded that internal control policies has a significant effect on quality of financial reporting at Jactor super market. Hence it was concluded that an effective internal control system was an important factor in determining the quality of financial reporting at Jactor super market. cooperate government practices at Jactor super market had tried to effectively maintain the quality of financial reporting at Jactor super market. Recommendations, Jactor super market should develop a good internal control system to monitor financial, record and track all the finance payments so that there is effectiveness in payment of cash and ensure to cover loopholes in the system to enhance financial performance.The top management in at Jactor should ensure that there is adherence to financial reporting standards. The accountants should have up to date standards and employ them while performing their function.
The Impact of Digital Content and Advertising on Sales Performance.
(Uganda Christian University, 2025-05-16) Patricia Kyarikunda
This study examines the impact of digital content and advertising on sales performance at Jumia Uganda, am e-commerce platform operating in a rapidly evolving digital market. With the increasing adoption of digital technologies in Sub- Saharan Africa, understanding how online content and advertising strategies influence consumer behavior has become essential for business growth. This study also identified challenges such as limited internet access and intense market competition that affect the effectiveness of digital marketing efforts in Uganda. This study contributes to both academic literature and practical strategies for digital marketing in emerging markets. It underscores the importance of integrating effective digital content, targeted advertising and customer engagement strategies to enhance sales performance in the Ugandan e-commerce sector.
Internal Auditing and Financial Performance of Organization a Case of Mukono District Local Government
(Uganda Christian University, 2025-05-14) Bridget Aber
Chapter one presented the concept of internal auditing, how internal auditing impacts financial performance, and the importance of effective internal audit functions in ensuring accurate financial reporting, mitigating financial risks, and overall influencing the economic health of an organization. In this chapter, the study will be based on specific objectives. These include to examine the different internal audit attributes used by an organization, to find out challenges internal auditors face when doing auditing duty and to find out the effect of internal audit and corruption among auditors in an organisation, that shall be able to guide the investigation and enhance clarity in terms of communication about research goals and expected outcomes. Chapter two also provided a comprehensive review of the literature on the effects of monetary rewards, promotion, and recognition on employee performance. The review covers key concepts, theories, and empirical findings related to the independent variable (internal auditing) and the dependent variable (financial performance). The chapter also identifies gaps in the current literature and highlights the significance of the proposed study by synthesizing the findings of these studies. This chapter aims to identify the key factors that influence employee performance and inform the development of evidence-based management practices Chapter three examines the study design, the area and population of the study, sample size and selection, specimen procedure and techniques, data collection methods and instruments, quality control measures, procedure of data collection, analysis of data, and measurement of the variables of the study. It also points out the ethical issues to be observed in the study. Chapter four consisted of data presentation, analysis, and interpretation of the findings on the themes of the study Chapter five presented the summary of the findings, conclusion, and recommendations of the study, and in the long run, the further areas of study.
Assessing the Impact of Financial Accounting Practices on Organizational Performance in Uganda
(Uganda Christian University, 2025-05-14) Louis Kabiite Katende
This study investigates the impact of financial accounting practices on organizational performance in Uganda, focusing on both private and public sector institutions. Accounting is a foundational element in financial decision-making and governance, and its proper application is critical for enhancing transparency, efficiency, and accountability. Despite the existence of regulatory bodies like the Institute of Certified Public Accountants of Uganda (ICPAU) and the adoption of International Financial Reporting Standards (IFRS), many organizations continue to grapple with poor financial practices that hinder their performance. Using a mixed-methods approach, the study draws on quantitative data from structured questionnaires and qualitative insights from key informant interviews. The findings are expected to reveal a strong correlation between proper accounting practices—such as internal controls, budgeting, audit compliance, and financial reporting—and improved organizational outcomes, including profitability, operational efficiency, and stakeholder trust. The research also identifies major challenges affecting the implementation of proper accounting practices, such as limited technical expertise, poor regulatory enforcement, and inadequate financial systems. The study offers practical recommendations for strengthening financial governance in Uganda and contributes to the theoretical discourse on agency, stewardship, and contingency perspectives in accounting
Effects of Credit Terms on Financial Performance of Small and Medium Enterprises
(Uganda Christian University, 2025-05-13) Lindah Muzigo
Chapter one had presented the concept of credit terms, how interest, collateral and payback period had all impacted financial performance of the small and medium enterprises in Nakawa Division. A background to the study is clearly stated in the chapter with the general goals of the study being stated as; to ascertain the effect of interest rates on the performance of small and medium enterprises, to ascertain the effect of collateral security on the performance of small and medium enterprises and to ascertain the relationship between repayment period and the performance of small and medium enterprises in Nakawa Division, which will be able to guide the investigation and bring clarity in terms of communication in relation to research objectives and expected outcomes. Chapter two also included a thorough review of the literature on how credit terms affect financial performance of small and medium enterprises. The review includes critical concepts, theories, and empirical findings of the independent variable (credit terms) and dependent variable (financial performance). Chapter two also identified gaps in previous literature and established the timeliness of the proposed study by synthesizing the findings of these studies. Chapter three explain the study design, study area and population, sample size and sampling, specimen procedure and methods, data collection procedure and tools, quality control measures, data collection procedure, data analysis, and measurement of study variables. It also states the ethical issues to be observed in the study. Chapter four consisted of data presentation, analysis and interpretation of findings on the themes of study Chapter five was presentation of the summary of study findings, conclusion and the study recommendations and in the long run the other areas of study
The Impact of Financial Literacy on the Growth of Small- Scale Businesses in Mukono District Central Division
(Uganda Christian University, 2025-05-13) Racheal Atwani
The study investigate the impact of financial literacy on the growth of small scale enterprise in Mukono district division, Uganda. Financial literacy is increasingly recognised as a key driver of business success, particularly for small enterprise that operate in dynamic and resource constrained environments. The primary objective of research was to examine the impact of financial literacy on the growth of small-scale business. It sought to achieve the following objective, to examine how the financial knowledge influences the growth of small-scale businesses in Mukono district, to examine the effect of financial attitude on the growths of small-scale businesses in Mukono district, to examine the effect of financial knowledge on the growth of small-scale businesses in Mukono district. The study was limited to Mukono district specifically its central division, where a variety of small-scale businesses operates. The study used a mixed methods design to achieve these goals. It combined quantitative and qualitative approaches. Stratified sampling was used to select a sample of 67 small scale firms from 80 registered in Mukono municipality. Data was collected using structured questionnaire, interviews, and document reviews. This gave both the quantitative data and qualitative insights into the study topic. Descriptive statistics analyse the data. They summarized financial literacy and the business growth. The results were presented through the detailed table descriptive narratives. The study shows that financial knowledge has better growth. This is true, especially for budgeting, cash flow, and planning positive financial behaviour like reinvesting profits and managing cash flow, improve business performance. However, gaps in financial attitude, especially in credit management and risk assessment, may hinders SSEs growth. The study shows the financial literacy is vital for small business in Mukono district. It is vital for their growth and suvivals.it recommends targeted financial education programs. They should address gaps in knowledge about credit management, interest rate and risk assessment. Standardized financial tools can help entrepreneurs improve their finance.
Financial Accessibility and Financial Performance of Small and Medium Enterprises a Case Study of Mukono Municipality
(Uganda Christian University, 2025-05-13) Stella Auma
This study examined the relationship between financial accessibility and the financial performance of Small and Medium Enterprises (SMEs) in Mukono Municipality, Uganda. The study was guided by three dimensions of financial accessibility: availability, affordability, and eligibility. A descriptive research design was adopted, and data was collected using structured questionnaires from a sample of SME owners and managers operating within the municipality. Quantitative data was analyzed using descriptive statistics (mean and standard deviation) and Pearson correlation to determine the strength of the relationship between the variables. The findings revealed that the availability of financial services, such as proximity to financial institutions and mobile money platforms, positively influenced SME performance. Affordability of financial services, including interest rates and transaction fees, was found to be a moderate constraint, while eligibility requirements, such as collateral and credit history, also limited access to financial resources for many SMEs. Overall, the study found a significant positive correlation between financial accessibility and financial performance of SMEs, indicating that enhanced access to financial services contributes to improved business outcomes such as increased profits, debt management, and business expansion. The study concludes that addressing financial accessibility challenges can greatly improve the financial health and sustainability of SMEs in Mukono Municipality. It recommends financial institutions and policymakers adopt more SME-friendly approaches, including flexible eligibility criteria, affordable credit products, and broader financial literacy programs
Effect of Road Construction to the Growth of Small Scale Businesses in Kauga
(Uganda Christian University, 2025-05-13) Flavia Lyaka Nanganda
This study examines the impact of road construction on the growth and sustainability of smallscale businesses in Kauga, Uganda. It investigates the dual nature of infrastructure development, highlighting both the opportunities presented by improved accessibility and the challenges encountered during construction phases. Specifically, the research aims to quantify how enhanced road infrastructure affects customer traffic, sales performance, and operational efficiency for local enterprises. Utilizing a mixed-methods approach, including quantitative surveys and qualitative case studies, the research examines several key objectives: the influence of road improvements on business, operations, the specific challenges faced during construction, and the effectiveness of communication and collaboration between local authorities and business owners. Findings reveal that while improved roads can significantly boost long-term business growth and profitability, the disruptions caused by construction often lead to temporary declines in sales and logistical difficulties. The study emphasizes the necessity for proactive engagement and planning among stakeholders to mitigate negative impacts during the construction process. It advocates for an integrated approach to infrastructure development that considers the needs and concerns of small businesses to maximize the potential benefits of road improvements. Ultimately, this research contributes to the understanding of the complex interplay between infrastructure development and local economic resilience, providing actionable insights for policymakers and business leaders in Kauga.
Effects of Micro Finance Institutions on Poverty Reduction in Uganda. A Case Study of Pride Micro Finance Mukono
(Uganda Christian University, 2025-05-13) Hellen Rhona Wanyana
This study examines the effects of microfinance institutions (MFIs) on poverty reduction in Uganda, with a specific focus on Pride Microfinance Mukono. Microfinance has emerged as a key tool in improving financial inclusion, offering credit, savings, and financial education to underserved populations. Despite the presence of microfinance institutions, poverty remains a significant challenge in Uganda, prompting the need to assess the true impact of MFIs on economic empowerment. Using a mixed-method approach that combines qualitative and quantitative analysis, this research evaluates the effectiveness of microfinance services, their contribution to poverty alleviation, and the challenges faced by clients. Findings indicate that microfinance enhances financial stability by increasing access to capital, supporting entrepreneurship, and improving household incomes. However, issues such as high-interest rates, limited financial literacy, and difficulties in loan repayment hinder the full realization of its benefits. The study emphasizes the importance of tailoring microfinance services to meet client needs and implementing policies that foster sustainable financial inclusion. This research contributes to the ongoing discourse on microfinance as a mechanism for economic development and offers insights for policymakers, financial institutions, and development practitioners aiming to strengthen poverty reduction strategies in Uganda.
The Impact of Financial Management Practices on the Performance of Small and Medium Size Enterprises in Adjumani Town Council
(Uganda Christian University, 2025-05-13) Gloria Foni
The study investigated the impact of financial management practices on the performance of small & medium enterprises in Adjumani town council. the study was guided by the following objectives; to Examine the impact of bookkeeping on the performance of small and medium-sized enterprises, to Examine the influence of financial planning on the performance of small and medium-sized enterprises and to Examine the impact of working capital management on the performance of small and medium-sized enterprises in Adjumani Town Council. The research design employed for this study was across-sectional survey design taking on quantitative approach. The correlation analysis revealed that performance of the SME had a positive correlation with book keeping, with a Pearson correlation coefficient of r= 0.105, Performance of SME has also shown a positive correlation with financial planning with a Pearson correlation coefficient of r= 0.215, significant at the 0.01 level (p = 0.002), and SMEs performance also had positive correlation with working capital management indicated by a Pearson correlation coefficient of r= 0.274, significant at the 0.01 level (p = 0.001).. The financial management practices were responsible for 35.2% variation in the performance of the SMEs at Adjumani. It was concluded that financial management practices had significant influence on the performance of small & medium enterprises in Adjumani town council.
Fintech Adoption and Financial Inclusion Among the Small and Medium Enterprises in Mukono District
(Uganda Christian University, 2025-05-12) Daniella Abang
The study examined the effect of Fintech adoption on financial inclusion among the small and medium enterprises in Mukono District. It specifically focused on; identifying the key drivers of fintech adoption and financial inclusion among small and medium enterprises in Mukono, examining the challenges faced during fintech adoption and financial inclusion among small and medium enterprises in Mukono, and examining the opportunities and benefits of fintech adoption among and financial inclusion among small and medium enterprises in Mukono district local government. The study was carried out using a cross sectional survey research design where quantitative research approach was also used. The data was collected using questionnaires and during the data collection, simple random sampling method was used. A sample size of 80 respondents who are owners or managers of the selected SMEs in Kauga, Mukonowas also used in the study. From the findings, it was revealed that even though FinTech uptake and financial inclusion offer Mukono District SMEs enormous benefits such as enhanced credit access, business efficiency, greater market reach, and enhanced management of funds, their full potential is hindered by immense challenges such as poor internet connection, insufficient digital literacy, high-priced services, and poor customer care. The evidence points to the fact that FinTech uptake is extremely reliant on access to technology, the cost of access, regulatory support, and simplicity of platforms. Therefore, in order to unlock the transformative potential of FinTech for SME development, there is a pressing need for interventions that are aimed at improving digital infrastructure, enhancing user education, reducing the cost of services, and enhancing system integration and trust in digital financial systems. Finally, the study recommended the need for expanding internet infrastructure in Mukono District to improve connectivity for SMEs, enhancing digital literacy through targeted training programs, and encouraging FinTech providers to implement affordable pricing models. It also emphasizes the need for robust customer support systems to build user trust and recommends that policymakers promote regulatory frameworks that support interoperability between FinTech and traditional banking systems to foster inclusive and efficient financial access for SMEs.
Microfinance Institutions and Growth of Small and Medium Enterprises in Mukono
(Uganda Christian University, 2025-05-12) Nathan Egaru
This study examined the role of Microfinance Institutions in fostering the growth of Small and Medium Enterprises within Mukono District, the study was motivated by the recognition that SMEs are critical drivers of economic development and employment yet their development and expansion is frequently constrained by limited access to financial services. Employing a descriptive case study of Mukono, data was collected through structured questionnaires and interviews made to a purposively sampled population comprising of SME owners, MFI managers and financial experts. A total of 52 respondents participated in the study providing insights into the dynamics of microfinance access, financial literacy and SME performance. The analysis revealed that microfinance services significantly influenced SME growth by providing vital capital that facilitates in investment in technology, human resource and market expansion. The findings showed that access to microfinance loans positively impacted revenue, employment, investment and overall business sustainability among SMEs. However, the study identified key challenges faced by SMEs including high interest rates, collateral requirements, limited financial literacy, complex loan application procedures and inadequate loan sizes. The research further explored the impact of financial literacy programs offered by MFIs which were found to enhance SMEs financial management skills, decision making and ability to access credit, that contribute improved business performance. The study also discussed internal audit aspects and challenges internal auditors encountered regarding transparency and accountability, emphasizing the importance of effective governance. Based on these findings, the research concluded that MFIs play a crucial role in supporting SME growth in Mukono, even with limitations posed by operational challenges and borrower related issues. The study recommended that microfinance modify their financial products to meet SME needs, simplify loan procedures, reduce collateral barriers and strengthen financial literacy initiatives to maximize their developmental impact. Overall the research contributed to understanding how microfinance facilitates SME development in Uganda’s semi urban context and provided policy insights for enhancing microfinance outreach and effectiveness in fostering sustainable enterprise growth.

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