Bachelor of Business Administration - BBUC

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https://hdl.handle.net/20.500.12311/2318

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Microfinance Institutions and Economic Development in Kabale District. A Case Study at Pride Microfinance
(Uganda Christian University, 2025-10-21) Shabellah Nimusiima
This analysis investigated the contribution that Pride Microfinance has to the economic growth of Kabale District, Uganda. The study aimed to determine how credit facilities, saving schemes, and financial education initiatives influence economic growth. To investigate the opportunities that microfinance presented and how effectively it served small business owners and the rural population with economic empowerment, a case study design was utilized. The analysis found that through the provision of credit, savings, and financial education, the initiatives of Pride Microfinance provided economic growth to Kabale District. Based on the findings, microfinance institutions like Pride Microfinance can promote the economic growth of rural villages through the facilitation of easier access to capital markets, the enlightenment of the masses to the importance of money, and the empowerment of the people and small businesses. The findings of the study should serve the guidance for experts, lawmakers, and community leaders who desire to promote the economic growth of underserved regions.
Remuneration and Employees’ Turnover in Agro-based Institutions of Kanungu District. A Case Study of Kayonza Growers Tea Factory
(Uganda Christian University, 2025-10-22) Angella Asiimwe
With a focus on the tea factories owned by Kayonza producers, the study examined the compensation and resignations of workers in "Agro-based" agricultural enterprises in the Kanungu district. Included in the chapter are the study's background, problem, and purpose, aims, questions, importance, conceptual framework, and scope.
Accounting Concepts and Decision Making in Financial Institutions: a Case Study of Rukiga SACCO
(Uganda Christian University, 2025-10-13) Witness Kyomugisha
The study took into account decision making and accounting ideas in financial institutions case study of Rukiga SACCO. It was based on the following concrete Objectives; to examine the influence of reliability on financial institutions decision making at Rukiga SACCO, to research the influence of completeness on financial institutions decision making at Rukiga SACCOSACCO and to ascertain the relation between concepts of accounting and financial institutions decision making at Rukiga SACCO. It employed a mixed-methods study that synthesized both qualitative and quantitative approaches. This study used a case study research design. The study was conducted among the employees, SUPCO members and Board members of Rukiga SACCO. The researcher used 70 respondents from the total population of 85 Rukiga SACCO stakeholders. Among the sampled respondents, 52 were employees, 16 were SUPCO members and 17 were Board members. The study employed both non-probability and purposive sampling design with the quota sampling technique. Slovene sample size calculation method was used in order to obtain the required sample. The researcher made use of questionnaires and interviews as a tool or methodology through which information was gathered. Questionnaire information was coded, keyed into computer utilizing Microsoft Excel computer programme, then percentages and frequencies calculated. The findings indicated that true financial statements indicate the actual financial standing and creditworthiness of a borrower and this allows Rukiga SACCO to make realistic choices in lending, interest and repayment period this was 21% of the respondents. The findings also indicated that completeness in accounting for revenues and expenses allows Rukiga SACCO to accurately determine profitability and operational efficiency as indicated by 24%. Accounting principle dictates that revenues and expenses should be accounted for when they are earned or incurred rather than when cash is expected to change hands as indicated by 19% quoted. The researcher recommends that Rukiga SACCO should conduct its accounting process from time to time in order to identify any flaws or loopholes that would lead to poor financial data.
Risk Management Practices and Rural Development; a Case Study of Kibatsi Sacco Ltd in Ntungamo District
(Uganda Christian University, 2025-10-06) Modern Nuwagaba
The study investigated the relationship between risk management practices and rural development, focusing on KIBATSI SACCO Ltd in Ntungamo District. The objectives of the study were: to investigate the role of risk management practices on member satisfaction, to establish the effect of financial literacy programs on member participation, and to examine the relationship between risk management and rural development. A cross-sectional survey design was employed, utilizing both quantitative and qualitative data from a sample of 80 respondents, including SACCO staff and members. Findings revealed that risk management policies significantly enhance member satisfaction by fostering a sense of financial security and trust. However, gaps remain in staff training and policy clarity, limiting the full impact of risk frameworks. The study also found that financial literacy programs positively influenced member behavior, improving financial decision-making, savings discipline, and participation in meetings. Nonetheless, the complexity of training materials poses a barrier to full comprehension, particularly among members with lower educational backgrounds. Furthermore, while many respondents linked risk practices to increased investment confidence, only a few recognized their broader contribution to rural economic development, indicating a lack of awareness and strategic integration. The study concludes that effective risk management and financial education are crucial to building a resilient and inclusive SACCO system that supports rural transformation. It recommends strengthening staff capacity in risk management, simplifying training content for better accessibility, and aligning SACCO risk strategies with rural development goals to promote sustainable livelihoods and community growth.
Interest Rate and Profitabilty of Small and Medium Enterprises in Kabale Municipality, Kabale District Uganda
(Uganda Christian University, 2025-10-06) Julius Gumisiriza
The purpose of the study was aimed at assessing the effect of interest rate charged by commercial institutions on profitability and growth of SMEs in Kabale municipality Kabale District, Uganda. The specific objectives of this study were; to examine the effect of commercial bank lending rates on the net profit margin of small and medium enterprises in Kabale Municipality, to assess the relationship between the Central Bank Rate and the return on assets of small and medium enterprises in Kabale Municipality and to analyze the effects of short-term and long-term interest rates on the return on equity of small and medium enterprises in Kabale Municipality. A sample size of 80 respondents from the selected small-scale enterprises in Kabale Municipality, Kabale district. Based on the study findings, the following conclusions were drawn in line with the research objectives; The majority of respondents indicated that the cost of borrowing limits their profit potential, the findings revealed that 45% of the respondents linked the Central Bank Rate (CBR) to increased commercial lending rates, which indirectly reduce the return on assets (ROA) for SMEs and the respondents reported that high short-term interest rates reduce return on equity (ROE) due to higher financial obligations. Based on the above conclusions, the following recommendations were made; Commercial banks should consider introducing SME-specific loan products with lower interest rates, the Bank of Uganda should adopt a more flexible monetary policy that balances inflation control with economic growth objectives. Lower and more stable CBR levels will help commercial banks offer loans at competitive rates. Monetary policy should be inclusive to support SME productivity.
Electronic Fund Transfers and Business Growth Among SMEs in Kabale Municipality, Kabale District
(Uganda Christian University, 2025) Martin Muhumuza
The study looked into how small and medium-sized businesses in Kabale municipality's Kabale district grew in relation to electronic fund transfers. The study's three primary goals were to determine the relationship between mobile money use and business expansion among SMEs in Kabele Municipality. Analyze how automated teller machines affect SMEs' access to financing in Kabale Municipality and how debit cards affect their ability to expand their businesses. The study's results were reported using an across-sectional research design. 300 SMEs in the manufacturing, trade, and service sectors were included in the study. Purposive methods and basic random sampling were used to choose a sample of 169 SMEs. Questionnaires and an interview guide were used to gather data, and both descriptive and multiple regression analyses were used for analysis. The results showed a correlation between the use of EFTs and business growth, with EFTs explaining as little as 7.0% of the variance in business growth. While using debit cards and ATMs has no discernible impact on business growth, using mobile money has a big impact. According to the study's findings, there is very little correlation between EFT and business growth among SMEs in Kabele Municipality. Bankers should therefore try to contact SMEs and offer them incentives to open bank accounts, allowing them to use debit cards and ATMs. The study highlighted the connection between the expansion of SMEs in Kabale Municipality and electronic money transfers. With the advent of new financial inclusion strategies, EFT emerged as a cutting-edge money transfer technique. As a crucial instrument for advancing the objective of financial inclusion, electronic funds transfer services have been rapidly implemented throughout emerging countries, particularly by small and medium-sized enterprises. This has a significant impact on the commercial and economic sectors, as well as the financial industry. As a result of these innovative approaches, which enabled the unbanked to enter the banking industry, SMEs prospered. This chapter covers the background, goals, and conceptualization of EFT, as well as the expansion of SMEs.
Financial Accountability and Service Delivery in Kanungu District, A Case of Butogota Town Council
(Uganda Christian University, 2025-09-17) Lydia Natukunda
This study was conducted with the general objective of establishing the effect of financial accountability on service delivery in Butogota Town Council. To be specific, the study examined the effect of financial planning on service delivery, assessed the effect of financial reporting on service delivery, and established the effect of budgetary control on service delivery in Butogota Town Council. A cross sectional survey design was adopted with a triangulation approach to establish the effect of financial accountability on service delivery in Butogota Town Council. Using questionnaire survey, interview guide, and documentary guide, data was collected from 108 respondents that included town councilors, technical officers, CSOs officials, TC board and committee members, beneficiary members, and service providers in Butogota town council. The collected data were analyzed with the aid of SPSS (version 26.0). Quantitative data were presented in the form of tables as percentages for descriptive statistics, and Pearson’s Correlation was adopted to test if variations in the opinions of the respondents were significant. For qualitative data, the researcher transcribed interviews. Results clearly demonstrate that financial planning significantly enhances service delivery in Butogota Town Council. Results further indicated that Timeliness, stakeholder engagement, clarity, and transparency of reports are essential for accountability and effective service outcomes. Finally, findings revealed that budgetary control significantly enhances service delivery in Butogota Town Council through clear guidelines, effective expenditure monitoring, and reduced financial mismanagement. In conclusion, the results indicated a strong positive and statistically significant relationship between financial accountability and service delivery, with a Pearson correlation coefficient of 0.686 and a p-value of 0.000. These studies suggest that councils should develop community participation systems so that fiscal plans will more accurately represent community priorities, enhancing the relevance of services and citizen satisfaction.
Corporate Culture and Employee Performance in Telecommunication Companies: A Case Study of Airtel Branch in Ntungamo District
(Uganda Christian University, 2025-07-29) Honest Nimusiima
The study was about corporate culture and employee performance in telecommunication companies; a case of Airtel branch in Ntungamo District. The objectives of this study were; to assess the effect of involvement on employee performance in selected telecommunication companies, to examine the effect of consistency on employee performance in selected telecommunication companies and to analyze the effect of adaptability on employee performance in the selected telecommunication companies. The study used a cross-sectional research design employing both qualitative and quantitative approaches. A sample size of 88 respondents fully responded to questions administered to them. The study tested the first hypothesis; “There is no significant effect between involvement and employee performance in telecommunication companies in Ntungamo District” and it was rejected. This is because there was a high positive relationship between involvement and employee performance whereby an improvement in organization’s involvement increases on the performance of employees. The study therefore concluded that involvement positively affects employee performance in telecommunication companies. The study tested the second hypothesis: “There is no significant relationship between consistency and performance of employees in selected telecommunication”, and it was rejected. This is because there was a positive significant positive relationship between consistency and employee performance. The study further found that adaptability and employee performance were found to have a significant relationship. Lastly, according to the results presented in chapter four, mission and employee performance were found to have a significant positive relationship. Thus, the hypothesis that stated that mission does not have a significant effect on employee performance is rejected. The study recommended that there is need to build and improve teamwork. Putting a team in place to connect with each other, not just on a work level, but also on a friendship level, is beneficial towards more effective teamwork in the future. Team-building exercises are an easy way to get the team on the same level, familiar with one another, and better at communicating in a variety of environments. Planning out-of-office retreats and exercises for the team is also a great way to encourage better teamwork.
Financial Institutions and Youth Employment in Gicumbi District, Rwanda
(Uganda Christian University, 2025-07-28) Lydie Marlaine Umugwaneza
The purpose of this study was to examine the role of financial institutions in promoting youth employment in Gicumbi District, Rwanda. The specific objectives were: to assess the effect of credit accessibility on youth entrepreneurial activities in Gicumbi District; to evaluate the influence of financial literacy programs offered by financial institutions on youth employment sustainability; and to analyze the relationship between collateral requirements and youth participation in loan schemes. The study adopted a descriptive research design and employed both quantitative and qualitative approaches. A sample size of 83 respondents was selected using purposive and random sampling techniques. The findings revealed that high interest rates significantly reduce the profitability of youth-led enterprises, limiting their ability to reinvest and create employment. Additionally, the study found that fluctuations in the Central Bank Rate (CBR) indirectly affect youth employment by influencing commercial lending rates, which impacts asset financing and business expansion. Short-term loans with high interest rates were found to undermine return on investment and restrict employment growth, while long-term loans with stable repayment structures were linked to better financial planning and increased hiring potential. Based on the findings, the study recommended that financial institutions and government agencies should promote access to affordable credit for youth, strengthen financial literacy programs, and encourage long-term financing solutions. Furthermore, regulatory bodies should stabilize the lending environment, and local authorities should establish a Youth Enterprise Development Fund to support entrepreneurial growth and employment creation among youth in Gicumbi District.

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