Bachelor of Business Administration - Main Campus

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EFFECT OF DIGITAL BANKING ON CONSUMER SATISFACTION
(Uganda Christian University, 2025-09-12) AKAO LILIAN
The study evaluated how customer satisfaction at the Opportunity Bank Mukono branch was affected by digital banking. The following goals served as the study's compass: to determine how customer satisfaction at Opportunity Bank Mukono Branch is impacted by the speed of digital transactions; to evaluate the impact of accessibility to digital banking on customer satisfaction at Opportunity Bank Mukono Branch; and to investigate the impact of digital banking's adaptability on customer satisfaction. The descriptive survey design was modified for the investigation. According to Amin (2005), the survey design is a technique that entails gathering data from members of a target population while taking into account the population's present situation in relation to the research variables The target population of this study was 125 and the sample size was 96. The results show that speed of digital transactions has a significant impact on consumer satisfaction (mean range: 3.73–4.06), with ease of transactions and round-the-clock access being important factors. Although there are obstacles to online banking, accessibility to digital banking has a significant impact on satisfaction (mean range: 3.68–3.98), especially through handy mobile banking. Digital banking's adaptability has a moderate impact on customer satisfaction (mean range: 3.35–3.61), with obstacles including complicated updates and low digital literacy lowering agreement. The Opportunity Bank Mukono Branch was advised to make an investment in a strong IT infrastructure in order to reduce transaction failures and network delays. In order to target underserved clients, the bank should also increase the number of mobile banking access points and collaborate with mobile money agents.
IMPACT OF SAVING HABITS ON FINANCIAL BEHAVIOUR OF UNIVERSITY STUDENTS
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) NAKALEMA JANE PATRICIA
This study aimed to explore how students’ saving habits influence their financial behaviors, focusing on BBA 3:2 Students 2022-2025. There were three specific objectives: to examine the relationship between saving habits and financial behavior among university students, to identify the factors that influence saving habits among students at Uganda Christian University, and to identify the problems affecting saving habits and financial behavior among university students, along with suggesting potential solutions. Through a cross-sectional research design approach, the researcher was able to understand the relationship between saving habits and financial behaviors among university students. The researcher received a total of 53 responses out of the 60 students expected to complete the survey. Therefore, the response rate was 88.3% (53/60). The high response rate indicated the students’ willingness to inform about their saving habits and financial behaviors. The researcher reports the findings using descriptive statistics, including mean, median, frequencies, and proportions of the different included variables. The mean (SD) age of the students was 25.5 (SD 3.34), with a composition of female (58.5%) and male (41.5%), specializing in finance (41.5%) and accounting (37.7%), management (15.1%), and marketing (5.7%). Approximately 75.5% reported having some money saved, with about 24.5% of the students having no money saved anywhere. Overall student’s responses indicated that almost all students (96.2%) either agreed or strongly agreed that having good saving habits helps them to manage their finances better, indicated by a high mean score of 4.5, with the majority of them agreeing (45.3%) or strongly agreeing (30.2%) that they regularly save money, which improves their overall financial behaviour. After conducting a bivariate correlation analysis test to check for the relationship between saving habits and financial behaviors, the correlation coefficient (R-Value) of 0.285 indicated that there was a significant weak positive relationship between saving habits and financial behaviors. Some problems that affected students’ saving habits and financial behaviors included unexpected expenses, difficulties encountered by students to save, lack of financial education or training for students, digital saving tools or campus programmes, issues with peer influence, students prioritizing immediate wants over long-term saving, and lack of income-generating opportunities for students. Students suggested organizing savings awareness campaigns on campus (75.4%) and making saving easier through digital tools or on campus (54.7%) to improve their saving habits and encourage more frequent saving. The findings of this research indicate a statistically significant correlation between saving habits, such as setting savings goals and budgeting, and financial behaviours. Financial literacy within the university among students is crucial to empower students to understand why they should save, set saving goals, and learn how to track their budget and expenses.
BOOK AND FINANCIAL PERFORMANCE OF SMALL-SCALE ENTERPRISES IN BUGUJJU TRADING CENTRE MUKONO DISTRICT
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) MANDRE ISAAC
The research report recognized the relationship between book keeping and financial performance of small-scale enterprises in Bugujju Trading Centre. To analyze the relationship between book keeping and financial performance and it also comprised of the credential information for the Research report and be composed of the statement of the problem, the study objectives, significance and research questions and relating the variables to come with book keeping as the independent and financial performance being the dependent the literature review and study on book keeping and financial performance of small-scale enterprises, overview of the challenges associated with book keeping and the types of books kept by the small-scale enterprises and analyze and evaluated what different scholars and researchers validate these variables. the research methodology which was also called the research design that was a cross-section research design, the research population was 50 and the sample size (n) was 44, interviews and questionnaires were the method I employed to collect data from the field which was composed of different nature of small-scale enterprises in Bugujju Trading Centre quality of data that was to say validity and reliability, various methods of data presentation the specific objectives of the study. The findings showed that proper book keeping can results into proper decision making in short- investments, and expansion of businesses can be archived by efficient and effective book from the field are analyzed and describe in this was section of the research study. The data offered in table format enabled easy interpretation of business responds about the types of books they kept, the monthly average income and expenses of the enterprises, the conclusion, recommendations of the research study being undertaken, where by the small-scale business owners and employees recommends that if there was any opportunity that will be availed to educate and trained them about book keeping practice they willing and more interested to be part of the exercise to effectively improve on their basic book keeping skills and knowledge that enhance their enterprises financial health.
THE INFLUENCE OF DIGITAL FINANCE ON THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN UGANDA
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) ADONGO BRIDGET
The influence of digital finance on small and medium businesses in Mukono is, therefore, analyzed in this paper to appreciate how such digital finance technology influences business performance. The study further discovered the use of Digital Finance by SMEs which has great benefits, bettering transaction speed, minimizing operational costs and maximizing revenue growth. The research, in its findings shows the use of digital financial services and how this technology is of great advantages to the small medium businesses though there are small challenges involved when using these services like fraud, network issues and inadequate technical skills. This study merges both quantitative and qualitative approaches in data collection to measure the effectiveness of digital financial services and also identifies the barriers faced. From the findings, it is observed that overcoming the challenges is very important for full benefits of digital financial technologies. The research shows that digital financial services need to be combined with the business operations for better performance and growth of the businesses. This calls for support and combined effort from the service providers, government and other stakeholders for the growth of the small medium businesses
CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN UGANDA
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-12) OPIO JOREEM ALLAN
This study investigated the effect of credit risk management on the financial performance of commercial banks in Uganda, focusing on ABSA Bank, Mukono District. The banking sector played a vital role in economic growth of a country like Uganda, but rising non-performing loans (NPLs) due to weak risk management practices hence leading to significant challenges, as evidenced by historical bank failures for example Crane Bank in 2016. The main objective was to examine how credit policies, credit appraisal, and credit monitoring influenced financial performance, measured by Return on Assets (ROA) and Return on Equity (ROE). A quantitative cross-sectional design was utilized, with data collected from 22 employees using structured questionnaires. Findings revealed strong positive correlations between credit policies, credit appraisal, credit monitoring, and financial performance. Multiple regression analysis confirmed a significant combined effect, with credit policies exerting the greatest influence. The study recommended strengthening credit policies through regular updates, enhancing staff training for improved appraisal and monitoring, and ensuring independent monitoring systems to boost profitability and financial stability. Further research was suggested to explore the integration of digital technologies, such as artificial intelligence, in credit risk management to enhance efficiency and accuracy.
IMPACT OF ONLINE BANKING ON SAVING BEHAVIOUR OF STUDENTS AT UGANDA CHRISTIAN UNVERSITY,MUKONO
(Uganda Christian University, 2025-09-12) DHIKUSOOKA JOEL KISIBO
The study investigated the impact of online banking on the saving behaviour of students at Uganda Christian University (UCU), Mukono. The research focused on understanding the extent to which students use online banking services, the relationship between online banking and saving behaviour, and the challenges that students face in using these digital financial tools. A descriptive survey research design was adopted, combining both quantitative and qualitative approaches to provide a comprehensive analysis of students’ online banking habits and saving patterns. The study targeted BBA 3:2 students, with a sample of 64 respondents selected using simple random sampling, achieving a response rate of 82.8%. Findings revealed that the majority of students (75.5%) actively use online banking platforms, reflecting high adoption of digital financial services among university students. Students in Finance and Accounting disciplines were more likely to engage with online banking, likely due to their academic exposure to financial management concepts. Both male and female students were adequately represented, providing diverse perspectives on the role of technology in facilitating savings. The study established a positive but weak correlation between online banking usage and saving behaviour (r = 0.312, p = 0.027), suggesting that while online banking enhances saving habits, other factors such as financial literacy, income levels, and personal discipline also influence savings. Key motivators for using online banking included convenience, accessibility, and goal-oriented saving, while high transaction costs, poor internet connectivity, and limited digital financial literacy were identified as major challenges. Students expressed willingness to save more if user-friendly digital tools and campus awareness programs were available. The study concluded that online banking is a valuable tool for promoting disciplined saving behaviour among students at UCU, although institutional and technological support is required to maximize its impact. Recommendations include organizing workshops to improve digital financial literacy, enhancing campus internet connectivity, and designing student-friendly online saving tools. The study also suggested future research on comparative studies across universities, longitudinal tracking of saving behaviour, and the effects of digital financial interventions on students’ financial discipline.
Impact of accounting standards in the credibility of financial reporting
(Uganda Christian university mukono, 2025) Kemigisa Agnes
The findings showed that compliance with accounting standards improved the transparency and accuracy of financial reports and helped strengthen investor confidence. At the same time, the study identified several challenges, including the complexity of IFRS, high implementation costs, limited staff expertise, and system constraints, which sometimes slowed down effective application. Overall, the study concluded that accounting standards play a key role in enhancing the credibility of financial reporting at Absa Bank Uganda Limited. It recommends ongoing staff training, greater investment in modern reporting systems, stronger regulatory follow-up, and improved internal controls. These recommendations are intended to help both the bank and regulators overcome the existing challenges. The study also adds to the limited research on IFRS adoption in developing countries, especially in the Ugandan banking sector.
THE EFFECT OF FINANCIAL LITERACY ON PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN MUKONO
(Uganda Christian University, 2025-09-15) MARK OMARA OCHAN
The small and medium enterprises sector has a crucial role in the economy of Uganda and highly contributing to employment, economic growth and income generation. Small and medium enterprises in mukono operate in sectors like retail, manufacturing, agriculture and services though most of them face challenges that hinder their growth and sustainability. Low financial literacy among small and medium enterprises owners and managers is one of the key blocks affecting budgeting, recordkeeping, investment decision, debt management and the whole financial planning aspect. This study investigated the effect of financial literacy on performance of small and medium enterprises in mukono district between 2019 to 2024. A research (descriptive) was conducted targeting 150 small and medium enterprises, with a random stratified random sampling of 109 owners and managers. All the data was collected using questionnaires and analysed using descriptive and inferential statistics. The study indicates a moderate financial literacy among small and medium enterprise owners and managers with strong knowledge of budgeting and planning but moderate financial behaviours and attitudes. Small and medium enterprises performance was also relatively moderate and the sustainability is rated higher than profitability and growth. Nevertheless, a positive relationship was observed between financial literacy and business performance which shows that higher financial knowledge enables managers and owners to make informed decisions, manage resources effectively, access finance and improve overall outcomes. The study summarizes that enhancing financial literacy is important for improving small and medium enterprise profitability, growth and sustainability. Recommendations basically include practical training workshops, targeted financial education programs and policy interventions by government and financial institutions. The research highly contributes to the understanding of financial literacy’s importance in small and medium enterprise performance and the countries development.
THE EFFECT OF INTERNAL AUDIT ON FINANCIAL PERFORMANCE OF PUBLIC COMPANIES: A CASE STUDY OF UGANDA CLAYS LIMITED
(2025-09-09) MAGENE MWENYEMALI BLESSING
The study investigated the effect of internal audit on financial performance of a company; a case study of Uganda Clays Limited. The study was guided by the following objectives; To find out the effect of audit quality on the financial performance of UCL. particularly through the role of the internal audit team,to establish the extent to which independency of internal auditors influences financial performance of UCL and to examine the influence of competency of internal auditors on the financial performance of UCL. This study employed a cross-sectional research design to investigate the effect of internal audit on the financial performance of Uganda Clays. The quantitative approach was used to analyze statistical data to examine relationships between internal audit and financial performance. Overall, the study revealed that internal audit practices positively influence UCL’s financial performance, but governance and cultural constraints hinder their full potential. The study concluded that High-quality audits significantly contribute to UCL’s financial performance by identifying inefficiencies and improving controls. However, weak governance structures, such as limited board oversight, reduce the effectiveness of audit recommendations, necessitating stronger policy support. Independence is critical for objective risk assessment and financial reporting accuracy, positively impacting profitability and ROI. However, management influence and inadequate audit committee support undermine auditor autonomy, limiting financial benefits. Based on the findings and conclusions, the following recommendations are proposed: UCL should invest in data analytics and emerging technologies to improve audit accuracy and efficiency, and Fostering a transparent organizational culture that values auditor autonomy through training and policy reinforcement.
THE IMPACT OF BUDGETING PRACTICES ON THE FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES
(2025-09-09) NAMBUYA ANNAMISCA
This study examined the impact of budgeting practices on the financial performance of small and medium enterprises in Uganda a case study of Bugujju village in Mukono Municipality central division, with specific objectives to examine the effect of budgetary control, the impact of record keeping and the challenges faced by SME owners in implementing effective budgetary practices. The study was carried out to establish why most Small and Medium Enterprises continue to perform poorly financially despite management efforts to improve performance through motivation, government initiatives to support private sector programs and market opportunities. To collect relevant data the researcher used questionnaires, short interviews and library research on relevant material. Data was analyzed by the use of descriptive methods such as percentage distribution and frequency distribution. The findings revealed that budgetary control has a significant positive effect on financial performance, enabling SMEs to manage resources better, reduce costs and make informed decisions. Furthermore, accurate and timely record keeping was found to have a significant positive impact of the financial performance facilitating financial reporting, analysis and decision making. However, the study also identified several challenges faced by SME owners in implementing effective budgeting which were limited financial expertise, inadequate resources like money and failure to keep up with the ever changing market conditions like price fluctuations. The area of further study suggested was the impact of financial management practices on SME sustainability and investigate ways to improve access to finance SMEs in Uganda.
CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS: A CASE STUDY OF EQUITY BANK MUKONO BRANCH.
(Uganda Christian University, 2025-09-09) Leatitia Kavira Tsongo
This study examined the effect of credit risk management on the financial performance of commercial banks, focusing on Equity Bank Mukono Branch. The objectives of the study were to analyze the effectiveness of credit assessment practices, examine the role of loan monitoring mechanisms, and evaluate the impact of credit risk mitigation strategies such as risk-based pricing and loan restructuring on financial performance. The study adopted a quantitative cross-sectional descriptive design. The target population consisted of 35 employees in the credit and finance departments, from which a sample of 32 respondents was selected using Krejcie and Morgan’s table. Data were collected using structured questionnaires, tested for validity and reliability, and analyzed using descriptive statistics, including means and standard deviations, with results presented in tables. The key findings revealed that effective loan monitoring significantly enhances financial performance, although weaknesses were observed in loan recovery teams and approval monitoring processes. Credit assessment practices, including risk data collection and portfolio evaluation, were found to positively influence profitability, though gaps in early warning systems and risk concentration identification remained. Credit risk mitigation strategies such as loan restructuring, enforcement of penalties, and credit limits contributed positively to financial stability, while prioritization of loyal customers and moderate use of risk-based pricing were less effective. Financial performance indicators, including net profit margin, return on assets (ROA), and return on equity (ROE), showed improvements, though with variations in perceptions among respondents. viii The study concluded that robust loan monitoring, reliable credit assessment, and well-implemented mitigation strategies are essential for strengthening financial performance. It recommended that Equity Bank enhance loan recovery efficiency, improve monitoring approval processes, strengthen early warning systems, and benchmark best practices in credit appraisal. Additionally, the bank should continue to apply restructuring and penalty enforcement while refining risk-based pricing models to align interest rates with risk levels. The study further recommended caution in prioritizing loyal customers, ensuring repayment capacity remains the basis for lending decisions.
PARTICIPATION OF SMALLHOLDER FARMERS IN CARBON MARKET PROJECTS IN UGANDA: AN EXPLORATORY STUDY ON THE ROLE OF FINANCIAL LITERACY COMPETENCIES
(Uganda Christian University, 2025-09-10) Kristina Nabatanzi
The purpose of this dissertation was to examine the role of financial literacy competencies in the participation of smallholder farmers in carbon market projects in Uganda. The study objectives were to determine the relationship between Knowledge of Record Keeping, Contractual Literacy, Risk management and smallholder farmer participation in carbon market projects in Uganda. The study employed a descriptive qualitative design, making use of a structured literature review to analyze secondary data without primary collection. The study utilized a desk-based approach while leveraging secondary data from 2019 to 2025. Attention was drawn to regions such as Central, Western and South-western Uganda, where carbon market projects are currently ongoing. The results indicated that each of the financial literacy competencies had a positive and significant relationship with smallholder farmer participation in carbon market projects. It was also observed that carbon market projects that incorporated gender and youth-based interventions within their programs exhibited higher levels of participation among their smallholder farmers. It was recommended that carbon project developers should incorporate record keeping modules for farmers at the onboarding stage, tailored to suit various financial literacy levels of smallholder farmers. The Uganda Carbon Market Association, in collaboration with carbon project developers can design simplified contract template guised for smallholder farmers, translated to local languages and supported by trained extension workers. Additionally, the Uganda Carbon Bureau, alongside the Bank of Uganda, should promote Carbon Farming Savings and Insurance Schemes by financing existing initiatives that buffer farmers against carbon-farming related shocks and support investment in diversification strategies such as agroforestry and biogas.
THE EFFECT OF CREDIT POLICIES ON LOAN PERFORMANCE, A CASE STUDY OF PRIDE MICROFINANCE MUKONO BRANCH
(Uganda Christian University, 2025-09-12) Shablinah Nazziwa
The study investigated the effect of credit policies on loan performance; a case of pride microfinance bank Mukono branch. The study was guided by the following objectives;To examine the effect credit terms on loan performance at pride microfinance Mukono branch , To establish the effect of Credit appraisal on loan performance the at pride microfinance Mukono branch and To assess the effect of Credit monitoring on loan performance the at pride microfinance Mukono branch. The study employed descriptive research design to comprehensively examine the effectiveness of credit policies in influencing loan performance at pride microfinance Mukono branch. The study as well adopted a quantitative approach. The study established that; the composite mean for credit terms was 3.61 (SD = 0.65), indicating moderate agreement that credit terms enhance loan performance, though high interest rates limit their effectiveness. The composite mean for credit appraisal was 3.83 (SD = 0.60), suggest strong agreement that appraisal processes enhance loan performance. The composite mean for credit monitoring was 4.06 (SD = 0.59), the highest among the three policy components, indicating that monitoring is perceived as the most effective in reducing NPLs and enhancing loan performance. The study concluded that credit policies comprising credit terms, appraisal, and monitoring positively influence loan performance at Pride Microfinance Mukono Branch. Monitoring has the strongest impact, followed by appraisal, while credit terms are less effective due to high interest rates. These findings validate the conceptual framework and address the problem statement, which highlighted the 17% NPL rate in 2020 as a threat to Pride Microfinance’s financial stability.
EXAMINING THE INFLUENCE OF RISK MANAGEMENT STRATEGIES ON FINANCIAL PERFORMANCE A CASE STUDY OF PRIDE MICROFINANCE – MUKONO BRANCH
(Uganda Christian University, 2025-09-05) Tabu Agnes
The study examined the influence of risk management strategies on financial performance; A case study of pride microfinance – Mukono branch. The study was guided by the following objectives; to examine the effect of Risk identification on financial performance of pride microfinance Mukono branch, to establish the effect of Risk assessment on financial performance of pride microfinance Mukono branch and to assess the effect of Risk monitoring on financial performance of pride microfinance Mukono branch. The study adapted the descriptive survey design. Amin (2005) describes the survey design as a method that involves collecting information from members of a target population by considering the current status of that population with respect to the study variables. the Key findings included :Respondents perceived risk management strategies positively, with means above 3.8. Correlation analysis showed significant positive relationships between risk identification (r = 0.446, p < 0.01) and risk monitoring (r = 0.422, p < 0.05) with financial performance. Risk assessment was not significant (r = 0.273, p > 0.05).Regression analysis confirmed the model’s significance (R-squared = 0.292, p = 0.012), with risk identification (β = 0.343, p = 0.035) as the strongest predictor, followed by risk monitoring (β = 0.318, p = 0.080). Risk assessment had no effect. Overall, effective risk identification and monitoring enhance financial performance by reducing losses and improving stability. The study concluded that risk management strategies, particularly identification and monitoring, significantly influence financial performance at Pride Microfinance Mukono Branch. Effective identification reduces potential threats like non-performing loans, while monitoring ensures ongoing mitigation, leading to improved profitability and liquidity.
THE INFLUENCE OF DIGITAL MARKETING STRATAGIES ON BUSINESS PERFORMANCE A CASE STUDY OF SMEs IN MUKONO CENTRAL DIVISION, MUKONO MUNICIPALITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-04) KABAGWERI MARY
The study assessed the influence of digital marketing strategies on performance of businesses; a case study of SMES in Mukono central division, Mukono municipality. The study was guided by the following objectives; to examine the effect of website marketing on the performance of SMEs in Mukono central division, to assess the effect of content marketing on the performance of SMEs in Mukono central division and to assess the effect of social media marketing on the performance of SMEs in Mukono central division. The study adopted descriptive research design. A descriptive design is a process of collecting data in order to answer questions concerning the current status of the subjects in the study. Descriptive design was used because it’s appropriate in collecting information about people’s attitude, opinions and habits. A mixed-methods approach was utilized to provide a comprehensive analysis of the topic. The findings indicated that website marketing (4.18) had the strongest impact, folioed by Social media marketing (4.17) and content marketing (4,12) . Qualitative insights confirmed that these strategies were helping SMEs maintain sales and customer engagement. The study concluded that digital marketing strategies namely website marketing, content marketing, and social media marketing significantly enhanced the performance of SMEs in Mukono Central Division.
The Impact Of Financial Literacy On Financial Decision Making Among University Students.
(Uganda Christian University, 2025-09-11) Alison Nakyomu Shifrah
The study investigated the impact of financial literacy on financial decision making among university students in Uganda. it was guided by the following objectives.: To assess the influence of financial knowledge on financial decision making among university students in Uganda, to analyze how financial awareness affects financial decision making among university students in Uganda. and to investigate the role of financial skills in shaping financial decision making among university students in Uganda. The research design for this study was a descriptive and cross sectional survey design. Generally, the combined mean across knowledge (3.95), awareness (4.01), and skills (3.97) is 3.98, indicated a strong positive impact. This supports the main objective, with consistent high agreement across dimensions. Conclusions; Financial literacy significantly enhances decision-making at UCU. Knowledge supports foundational understanding, awareness improves risk recognition, and skills enable action. Gaps in investments, information-seeking, and tools highlight areas for intervention, addressing the problem statement’s focus on debt and savings to support national goals. Recommendations; Uganda Christian university should Integrate mandatory financial literacy modules into curricula, focusing on investments and digital tools, via workshops and active learning.The Policymakers Should Develop national programs promoting literacy in universities, targeting gaps in awareness and skills for financial inclusion.
FACTORS INFLUENCING BUSINESS STUDENT’S ENTREPRENEUR’S BUSINESS PERFORMANCE A CASE STUDY OF UGANDA CHRISTIAN UNIVERSITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-04) ZAKARIA DENG WOL
The study investigated the factors influencing business student’s entrepreneur’s business performance; a case study of Uganda Christian university. The study was guided by the following objectives; To establish the effect of Entrepreneurial skills on student entrepreneurs business performance at Uganda Christian university, to assess the effect of Access to capital on student entrepreneurs business performance at Uganda Christian university and to establish the effect of academic engagement on student entrepreneurs business performance at Uganda Christian university. The study adopted survey research design. The design was used to explain the existence of two or more variables at a given point. Survey research design was useful in this study as it helped to report things the way they are. The study established that entrepreneurial skills and access to capital significantly enhance business performance among student entrepreneurs at UCU, with strong agreement on their importance. However, academic engagement poses challenges, as time spent on business activities can negatively affect academic performance, creating a trade-off. It was concluded that entrepreneurial skills and access to capital are key drivers of student entrepreneurs’ business performance at UCU, while academic engagement poses challenges due to time constraints and institutional policies. These factors collectively shaped the success of student-led ventures, measured by revenue growth, profitability, longevity, and customer satisfaction.
MOBILE MONEY SERVICES AND FINANCIAL ACCESSIBILITY; ACASE STUDY OF UGANDA CHRISTIAN UNIVERSITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-03) BOBOLI SIMON
The study assessed the relationship between mobile money services and financial accessibility of Mobile money users pursuing bachelors of business administration in Uganda Christian University. The study was conducted in consideration of three key objectives that guided it, they include; examining the factors that influence mobile money usage, assessing the relationship between mobile money services and financial accessibility and identifying the challenges face by students in using mobile money and suggest possible solutions. The research employed cross-sectional research design and with the use of only quantitative research approach. Structured questionnaires were used for data collection from a sample of 60 respondents, the researcher employed simple random sampling technique to select the desired respondents from the different areas of specialization like accounting, finance, marketing and management. Data was collected, coded and analyzed using statistical tools like SPSS to obtain insight into the responses and draw reasonable and meaningful conclusions. Findings revealed that mobile money services and financial accessibility has a strong positive correlation meaning that there is a strong relationship between mobile money services and accessibility to financial services and key challenges encountered by users include; network challenges, high transaction charges and security issues like fraud, Finally, the study revealed that there is a strong relationship between mobile money services and financial accessibility implying that mobile money services enhance individuals’ ability to access, save, transfer, receive and generally use financial services effectively and recommends an Improvement in network infrastructure, reduction in the transaction fees, ensuring the customer deposits are protected through enhancing security and reversal services.
THE IMPACT OF AWARENESS AND TRUST ON UPTAKE OF HEALTH INSURANCE AMONG UNIVERSITY STUDENTS. A CASE STUDY OF UGANDA CHRISTIAN UNIVERSITY, MUKONO CAMPUS.
(UGANDA CHRISTIAN UNIVERSITY, 2025-09-02) WAI ELIA NELSON
This study examined The Impact of Awareness and Trust among University Students. A Case Study of Uganda Christian University, Mukono Campus. Globally, health insurance is considered as a cornerstone for achieving UHC. However, in Uganda, the coverage of health insurance remains critically low below 5% with university students representing the underinsured group despite of them being literate, technologically aware, and highly exposed to health-related risks. The study specifically examines the role of awareness and trust as behavioural factors for influencing students’ health insurance uptake. The research adopted a cross-sectional descriptive and analytical design. A sample of 60 final year Bachelor of Business Administration students was selected through stratified random sampling. The data was collected using a semi-structured questionnaire and then analysed using SPSS (version 26). The descriptive statistics summarized the demographic characteristics, awareness, trust, and uptake levels of health insurance. For relationships and mediation effects, Pearson correlation, logistic regression, and Hayes’ PROCESS Macro (Model 4) were employed for assessment. The findings revealed that health insurance among university students was very low with only 20% of students enrolled and mostly family schemes therefore indicating a lag in independent venture. It further established that awareness levels were moderate(mean=3.25) but gaps persisted in understanding of claim procedures and entitlements. Trust levels were below average(mean=3.00) with mean of 2.98 which reflected scepticism about insurers’ transparency, fairness, and service quality. Both awareness (r=0.579, p< 0.01) and trust (r=0.646, p< 0.01) significantly correlated with willingness to pay, though trust showed a stronger effect. Mediation analysis established that trust partially mediated the relationship between awareness and uptake with logistic regression confirming that trust and awareness explain jointly 64.2% of variations in health insurance uptake. This suggested that awareness alone does not guarantee enrolment unless coupled with confidence in insurers’ credibility and service delivery. The study concluded that low health insurance uptake among university students is more of a function of the behavioural barriers than mere financial constraints. Trust emerged as a stronger predictor of health insurance uptake than awareness, suggesting the need to complement awareness campaigns with deliberate trust building initiatives. This study therefore, contributes to the behavioural dimension of health insurance uptake literature in Sub- Saharan Africa by highlighting trust as a critical mediator between awareness and actual enrolment
THE CONTRIBUTION OF VILLAGE SAVINGS LOAN ASSOCIATION(VSLA)TO THE GROWTH OF WEMAN'S ENTERPRISES IN NANTABULIRWE PARISH,MUKONO DISTRICT.
(UGANDA CHRISTIAN UNIVERSITY, 2024-09-11) JUAN SUSAN MARTIN
The study looked at how the Village Savings Loan Associations (VSLA) in Nantabulirwa parish, Mukono district, helped women's businesses flourish. The following goals guided the study: To determine how loan availability affected the expansion of women's microbusinesses in Nantabulirwa parish, Mukono district; To investigate the impact of training and group support on the expansion of women's microbusinesses in Nantabulirwa parish, Mukono district; and To determine the impact of savings on the expansion of women's microbusinesses in Nantabulirwa parish, Mukono district. This study used a quantitative technique using a survey research design. This study used a quantitative technique using a survey research design. The study's total mean score of 3.65 showed that most people agreed that loans have a beneficial influence. The respondents concurred that VSLA loans promoted financial independence (mean 4.00), facilitated investment in productive assets (mean 3.33), and boosted business growth (mean 3.67). There was a high degree of agreement about group systems promoting growth (mean 3.75) and financial literacy facilitating informed judgments (mean 4.03). Entrepreneurial development was aided by VSLA participation (mean 3.81); however, finance availability was restricted due to illiteracy (mean 3.58). Gender-related workshops received favorable reviews (mean 3.83). The study found that through easily accessible loans, training/group assistance, and savings mobilization, VSLAs play a vital role in the establishment of women's microenterprises in Nantabulirwa Parish. Despite obstacles, loans promote asset investment and financial independence; training improves decision-making and skill sets; and savings allow for growth and profitability. As demonstrated by increased revenues and clientele among participants, these factors work together to combat poverty and advance gender parity.Full potential is hampered by issues including gender bias, literacy shortages, and collateral requirements, which emphasizes the need for focused initiatives.

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