Bachelor of Business Administration - Main Campus

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EFFECTS OF MICRO FINANCE INSTITUTIONS ON POVERTY REDUCTION IN UGANDA. A CASE STUDY OF PRIDE MICRO FINANCE MUKONO.
(UGANDA CHRISTIAN UNIVERSITY, 2025-05-13) WANYANA RHONA HELLEN
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
(UUGANDA CHRISTIAN UNIVERSITY, 2025-05-13) FONI GLORIA
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) ABANG DANIELLA
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 x 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) EGARU NATHAN
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.
ACCOUNTING INFORMATION SYSTEM AND FINANCIAL PERFORMANCE OF SMALL AND MEDIUM SIZE ENTERPRISES. CASE STUDY OF THE NORTHERN DIVISION KOBOKO MUNICIPALITY
(UGANDA CHRISTIAN UNIVERSITY, 2025-05-13) AATE ROSE
The study examined the influence of accounting information system on the financial performance of SMEs in Northern division, Koboko municipality. The study was guided by the following objectives; to analyze the effect of system effectiveness of AIS on financial performance of SMEs, to establish the effect of system control on financial performance of SMEs and to ascertain effect of system flexibility on financial performance of SMEs in Northern division, Koboko, municipality. The study adopted descriptive research design to comprehensively examine how SMEs utilize AIS in their financial process the study population was 50 employees from SMEs located in Koboko municipality and the sample size was 44. The study established that there was apositive relationship between accounting information systems and financial performance at SMEs of Koboko north this was justified by r= 0. 362 for systems effectiveness, .285 system control and 0.193 for System flexibility and financial performance of SMEs in northern division, Koboko, municipality.Finally the regression analysis revealed that the contribution of AIS financial performance of SMEs at Koboko was 24% .It was concluded that approximately 24 % of the variance in the financial performance of SMEs at Koboko north was attributed to the aspects of AIS which included system flexibility, systems control and systems effectiveness.
FINANCIAL TECHNOLOGY ADOPTION AND SERVICE QUALITY A MONG HOUSE HOLDS IN MUKONO. A CASE OF AGENCY BANKING
(UGANDA CHRISTIAN UNIVERSITY, 2025-05-12) NAMBATYA SHERINA RUTH
Even though financial technology (fintech) and agency banking have grown quickly in Mukono, many households still face challenges when trying to use these services. A lack of digital skills makes it hard for many people to use fintech effectively (Mkombo & Wahua, 2024). Additionally, concerns about the reliability and safety of services offered through agency banking can prevent users from fully engaging (Huo et al., 2024). There is also a shortage of financial products specifically designed for the local community, which further complicates the situation. Because of these issues, the relationship between fintech adoption and service quality is not well understood, making it difficult to see how these factors affect financial inclusion. This study aims to explore how adopting financial technology influences service quality in agency banking, offering insights that could improve user engagement and access to financial services for households in Mukono.
The Impact of Finance Practices on the Performance of Agricultural Small and Medium Enterprises in Mukono
(Uganda Christian University, 2025-04-29) Jonathan Ekwang
This research proposal aims to investigate the impact of finance practices on the performance of agricultural Small and Medium Enterprises (SMEs). Finance practices play a vital role in the financial management and decision-making processes of agricultural SMEs, yet there is a gap in understanding the specific practices that contribute to improved performance. This study seeks to address this gap by examining the relationship between finance practices and the performance indicators of revenue, profitability, and cash flow within agricultural SMEs. The research will adopt a mixed-methods approach, utilizing both quantitative and qualitative data collection methods. The quantitative analysis will involve collecting financial data from a sample of agricultural SMEs and conducting statistical analyses to identify the finance practices that correlate with superior performance. Additionally, qualitative data will be gathered through interviews and surveys to explore the challenges faced by agricultural SMEs in implementing effective finance practices. The anticipated findings of this research proposal will contribute to the existing literature by identifying the specific finance practices that have the greatest impact on agricultural SMEs performance. Moreover, it will shed light on the challenges faced by SMEs in implementing these practices and provide recommendations for overcoming such obstacles. Ultimately, this study aims to provide practical insights and guidance to agricultural SME owners and managers, policy makers, and industry stakeholders, enabling them to enhance financial performance and promote the growth and sustainability of agricultural SMEs in the current dynamic business environment.
The Impact of Digital Currencies on Traditional Banking Systems Within Mukono District
(Uganda Christian University, 2024-09-05) Rebecca Akello
The beginning of numeral coins, counting cryptocurrencies besides central bank numerical coins, has transported around an example change in the monetary scene. This piece discovers the complex impression of digital currencies on traditional banking systems, seeing the chances and trials. The study starts by probing the growth of numerical coins, emphasizing its high-tech basics and the dynamic services of its acceptance. Observing at the possible paybacks that numerical coins convey to the fiscal segment, such as amplified fiscal addition, quicker and discounted cross-border dealings and amplified clarity through mass series expertise. On the extra indicator, the piece unfavorably examines the pressures and trials that numerical coins pose to old-fashioned funding organizations. Matters like disintermediation, working perils and the possible harm of mechanism over fiscal plan are inspected in wisdom. In calculation, the training inspects the adjusting background neighboring numerical coins, lecturing the basic for a clear context to pledge strength, customer security and just rivalry. Their quest customs a proportional method, inspecting event trainings and actual samples of nations and fiscal organizations embracing or repelling the numerical cash rebellion. Perceptions from discussions with manufacturing specialists, strategy creators and investment experts subsidize to a complete accepting of the vibrant communication amongst numerical coins and old-fashioned investment. In accumulation, the training expects forthcoming drifts and growths in the association between numerical coins and the old-fashioned investment segment. It evaluates the possible for co-occurrence and association amongst the two schemes, as well as the growth of lending amenities in reaction to numerical disturbance. In assumption, this piece condenses the outcomes to deliver a secure perception on the influence of numerical coins on outdated investment structures. It subsidizes to the continuing argument about the forthcoming of investment, as long as perceptions that can update officials, fiscal organizations and extra shareholders as they pilot the developing background designed by numerical coins. Keywords: Old-fashioned panels, strategy creators, fiscal organizations.
The Effect of Mobile Money Services on Financial Inclusion in Mukono Municipality
(Uganda Christian University, 2024-09-19) Laura Atukunda
This study investigates the impact of mobile money services on financial inclusion in Kauga, Mukono, focusing on accessibility, usage, and the socioeconomic benefits for underserved populations. By employing a mixed-methods approach, including surveys and interviews, we analyze how mobile money platforms enhance access to financial services among individuals lacking traditional banking infrastructure. Findings indicate that mobile money significantly improves transaction efficiency, savings behavior, and access to credit, particularly among women and low-income households. The study also highlights challenges such as digital literacy and trust in technology. Overall, mobile money services emerge as a vital tool for fostering financial inclusion, promoting economic empowerment, and bridging the financial gap in Kauga, Mukono. Recommendations for policy improvements and community-based training programs are proposed to maximize the benefits of mobile money in the region.
Adoption of Technology and Performance of an Organization: A Case Study of NWSC
(Uganda Christian University, 2024-09-19) Sharon Nabeeka
The adoption of technology significantly influences organizational performance, as demonstrated in a case study of the National Water and Sewerage Corporation (NWSC). This study explores how integrating modern technologies enhances operational efficiency, service delivery, and overall effectiveness within the organization. The study also aimed at Improved Service Delivery: The implementation of information and communication technologies (ICT) has streamlined processes, enabling NWSC to respond more effectively to customer needs. Enhanced data management systems facilitate better tracking of service requests and maintenance schedules. Operational Efficiency: Technology adoption has led to reduced operational costs and increased productivity. Automation of routine tasks allows employees to focus on more strategic activities, thereby improving job satisfaction and performance.Customer Engagement. This use of digital platforms for communication has fostered better relationships with customers. Feedback mechanisms have improved service quality by allowing the organization to adapt quickly to user needs. Sustainability and Growth, The strategic use of technology supports NWSC's long-term sustainability goals, ensuring that resources are managed efficiently while meeting the growing demands for water and sanitation services.
The Effect of Record-Keeping On the Financial Performance of Small-Scale Businesses in Kyaliwajjala Market
(Uganda Christian University, 2024-09-18) Alice Aliamo
The study sought to examine the effect that Record keeping could have on financial performance of SMEs in Kyaliwajjala market, Kiira Division. The researcher adopted a case study research design utilizing the quantitative approach. A Case study research design was selected because it enables the in-depth examination of the study problem with a view of providing rich data and a more comprehensive understanding of issues and problems applicable to real-life situations as recommended by Soy, (1997). The study used quantitative method (through self-administered questionnaires) in data collection for purposes of triangulation to get accurate and reliable data for the study. From a sample size of 50 respondents, the researcher chose to use simple random sampling, focusing on grocery stores, from where a total of fifty respondents were chosen to represent the sample population. Completed questionnaires were edited, coded, and entered into and categorized into themes and analyzed using SPSS 20 for Windows. Regression analysis was used to test the effect of each construct of Record-keeping on financial performance. In testing the significance of the model, adjusted R2 was used to measure the extent to which the variation in financial performance explains each construct of Record-keeping. Financial statistics were computed at a 95% confidence level to test whether there is a significant relationship between Record keeping and financial performance. The findings from the study reveal that Manual bookkeeping is still prevalent among small businesses, especially in markets where digital access is limited. However, manual methods increase the likelihood of errors, such as miscalculations, lost receipts, or duplicate entries, which can distort financial reports. The study suggested that transitioning to digital bookkeeping systems is the most effective way The study therefore concludes that Record-keeping has effect on financial performance of SMEs and recommends proper record filling, retention and retrieval in order to improve financial performance of SMEs.
The Impact of Regulations on Financial Performance of Commercial Bank: A Case Study of Absa Bank Mukono
(Uganda Christian University, 2024-09-06) Evans Victor Lubega
The study was carried was carried out to investigate the impact of regulations on the financial performance of commercial banks. It took in place at Absa bank mukono using it as its case study. As regulations were put in place by the central bank to favour financial stability, consumer protection, market integrity, monetary policy implementation, risk management and promote competition, it was not a grantee that these will not positively or negatively affect the financial performance of commercial banks. The main objective of the study was to investigate the current trends in the impact of regulations on the financial performance of commercial banks in the post COVID era as COVID affected most the operates of how businesses ran. The study used a cross sectional research design of collecting data from one point at a time. It also involved the use of both qualitative and quantitative research method with a sample of 24 respondents. The study revealed that there was a strong positive relationship between the regulations and the the financial performance of commercial banks based on the answers given to researcher by the respondents The researcher later on came to a conclusion that regulation were not to be fought but rather were supposed to be worked in line with because they bring about financial stability to the commercial banks and the study provided a recommendation of improving communication with stakeholders regarding the strategies and measures implemented to navigate regulatory challenges. The researcher contributed to the broader understanding of the impact of regulations to the financial performance of commercial banks.
Credit Terms and Financial Performance of Manufacturing Companies: A Case of Roofings (U) Ltd
(Uganda Christian University, 2024-09-18) Rannie Ashaba
This study investigated the effect of credit terms on the financial performance of manufacturing companies located in Nakawa division, it being a major home to most of Uganda’s manufacturing firm, focusing specifically on Roofings Group. The major objectives that were examined in this study included the effect of interest rates, to examine the influence of collateral security and to establish the relationship between credit terms and/on the financial performance of Roofings. Literature review from different sources were acknowledged and used as references in this report. A cross-section research design approach was used during the research study and both qualitative and quantitative approaches of research design were adopted. Questionnaires were issued out to the different respondents that made up the study population. The study population consisted of employees of Roofings Group with a target population of52 respondents. From these, using both Yamane and Krejcie and Morgan formulae, a sample size of 46 respondents were obtained and these actively took part in filing out the questionnaires given to them. Both simple random and purposive sampling methods were used to obtain unbiased and precise information on credit terms and financial performance of Roofings and data collected was to the best of the respondents’ knowledge as far as the two variables were concerned. It was discovered that interest rates negatively impact the firm’s profitability, and that high interest rates result into high borrowing costs to the firm hence affecting its general financial performance. It was also mentioned that interest rate fluctuations create uncertainty making it difficult to manage finances. To mitigate this, firms should negotiate credit terms that are favorable to both the firms and financing institutions and also firms should monitor interest rate trends to help anticipate changes and make adjustments in their financial strategies accordingly.
Relevance of Loan Recovery on Microfinance Institution Performance: A Case of Pride Microfinance
(Uganda Christian University, 2024-09-16) Douglas Nabaasa Kacuriza
The study dwelled to examine the relevance of loan recovery on micro finance institution performance: a case of pride micro finance. The study was guided by the following specific objective :to examine the practice of credit assessment in pride micro finance limited, mukono branch.: to find out the challenges faced in recovering loans in pride micro finance limited, mukono branch.: to establish the relationship between credit assessment and loan recovery in pride micro finance limited. The study was conducted at the mukono branch of pride micro finance limited. The organization targets micro, small, and medium-sized business owners as well as wage earners engaged in a variety of economic activities with a broad array of products and services across multiple industries. At the pride micro finance mukono, the researcher employed a study sample of 40 participants from a total population of 70, including top management, loan officers, and loan inspectors, as well as clients and their support staff. The findings of the study showed largely that the practice of credit assessment at pride micro finance Limited’s mukono branch is designed to ensure that loans are granted to creditworthy individuals and businesses while managing associated risks. The findings showed that this process involves a comprehensive evaluation of the borrower's financial situation, including an assessment of their income, credit history, and business viability. The study recommended that there was need to Utilize sophisticated credit scoring models and risk assessment tools to better evaluate the creditworthiness of borrowers. This can improve the accuracy of credit assessments and help in identifying potential risks more effectively.
The Effect of Financial Planning on Financial Performance of Non Governmental Organizations in Uganda: A Case Study of Uganda Association of Women Lawyers
(2024-10-11) Abonyo Sarah
Finding out how financial planning impacted the financial performance of non-governmental organizations in Uganda was the primary objective of the study. The purpose of the study is to ascertain how budgeting procedures affect non-governmental organizations' (NGOs') financial performance in Uganda. It also aims to investigate the connection between financial monitoring and the financial performance of non-governmental organizations in Uganda, as well as to assess the impact of financial practices on that relationship. To determine the link between the independent and dependent variables, a cross-sectional design was used. The target population for the study was made up of 76 FIDA workers working in different departments. The sample size, sixty-three, was selected using a stratified sampling approach. Primary data for this study were gathered through the use of semi-structured, self-administered questionnaires. Means, frequencies, and descriptive statistics were used in the data analysis process. According to the study, budgeting is a component of planning since it entails estimating projected expenses and the amount of money that must be raised; an organization cannot advance until it is able to locate funding sources for its activities. Diversifying their sources of income is the only way for FIDA to have an appropriate flow of funds, which is necessary for their operational performance. Thus, the study demonstrated that financial monitoring, financing, and budgeting procedures all have a favorable and substantial impact on FIDA's performance. This result allowed the study to conclude that budget planning and FIDA's financial performance are positively and significantly correlated. As a result of the study's findings, financial managers should always plan the organization's ideal capital structure, all departments should prepare budget plans ahead of time, and the organization should use funds generated outside of its own walls to finance its operations.
Assessing the Impact of Job Rotation on Skilled Development and Engagement: The Case Study Uganda Christian University
(Uganda Christian University, 2024-09-18) Adong Cathy
This study investigate the impact of job rotation on skill development and employee engagement within organizational settings. Job rotation, a widely used human resource practice, involves systematically moving employees through different roles or departments to enhance their skills and broaden their experience. This research employees a mixed methods approach, combining quantitative surveys with qualitative interviews, to assess how job rotation influences employees’ skill acquisition and overall engagement levels. The findings reveal that job rotation significantly contributes to skill diversification and improvement, particularly in enhancing managerial and technical competencies. Additionally, employees who participate in job rotation programs demonstrate higher levels of engagement attributed to increase job satisfaction, reduce monotony enhance career job opportunities.
Access to micro credit and growth of small small medium enterprises
(2024-10-11) Nabirye Linda
It is, therefore, of utmost importance that development of SMEs takes place for growth and proper development in the different aspects of the Ugandan economy. According to the recent report, one of the most major binding constraints for Ugandan SMEs generally is limited access to finance. This thesis explores the effect microcredit availability has on the growth of small and medium-sized businesses. In this respect, studies have taken into consideration the impact of the microcredit system on the two major categories of employment generation and profitability. The paper identified the determinants of credit availability and its contribution towards growth through an integrated approach of questionnaires and one-on-one interviews with the SME owners and financial institutions. The present research is a cross-sectional one; a total sample of fifty respondents consisting of small company owners, credit institution personnel, and customers participated in the present study. For the purpose of this study, the respondents selected were from government agencies. In the present study, questionnaires have been used for data collection. The ease of access to microcredit facilities has, therefore, been correlated with the growth of small and medium-sized businesses in Uganda. It is also hoped that the owners of small and medium-sized businesses will appreciate the fact that credit facilities have positively contributed to the growth of their companies, and find a solution to the two major challenges-the high interest rates and lack of sufficient collateral-microcredit agencies use in providing credit facilities to SMEs. Since they will be more accessible to microcredit facilities, SMEs will grow more.
The Effect of Tax on Business Investment in Wakiso District. A Case Study of Kireka Along Jinja Road Highway
(Uganda Christian University, 2024-09-04) Divine Nassimbwa
The study examined the effect of tax on business investment: A case study in Kireka town along jinja road high way. It specifically focused on; the effects of tax on business investment in Kireka town, the types of taxes, the challenges associated with taxes and suggested solutions to overcome them. The study was carried out using an exploratory survey research design where qualitative research approach was also used. The data was collected using questionnaires during the data collection; simple random sampling method was used. A sample size of 52 respondents, who are business owners in Kireka town, was also used in the study. From the findings, it was revealed that taxes on business investment contribute to the financial performance of businesses. Additionally, the study revealed that the challenges of tax on business investment were; high taxes reduced on the business investment and predicting customer demand accurately is challenging, it also caused a reduction in economic growth, reduced productivity, economic freedom. The study recommended that, to promote business investment, the tax policy of Wakiso district should be fair and efficient. It should reduce the high tax burdens and simplify the tax system so that compliance costs can be reduced. More importantly, tax policies need to be predictable and stable so as to attract long-term investment.
The Impact of Financial Management on the Growth of Small-Scale Businesses: A Case Study of Mukono Municipality Mukono Central Division
(Uganda Christian University, 2024-09-16) Kobusingye Charity
This study is an examination of the impact of financial management on the growth and development of small-scale businesses in Mukono Municipality. Specifically, the study examined the financial management strategies, the limitations of financial management strategies and solutions and the financial. The study used a cross-sectional study design on a sample of 80 respondents. Data was collected by use of questionnaires analysed qualitatively and quantitatively. With the help of SPSS 17.0, quantitative data was analysed basing on mean and standard deviations. For qualitative data, it was interpreted by composing explanations and conclusions on how different variables were related. The study established that, Small-scale businesses in Mukono Municipality Central Division demonstrate a strong emphasis on budget creation, liquidity tracking, offering customer discounts, and managing payables and receivables efficiently, SME is performing well in terms of sales growth, market share, customer satisfaction, and customer acquisition and retention. However, there are areas for improvement, particularly in cash flow management and reducing variability in labor turnover perceptions. The study recommends that; businessmen and women in small businesses should establish different financing options for the growth and development of their businesses. Businessmen and women need to carry out record keeping for the growth of small businesses.
The Effect of Technological Innovation on the Performance of Commercial Banks: A Case Study of Stanbic Bank
(Uganda Christian University, 2024-10-11) Anyango Grace Omondi
The effect of technological innovation on the financial performance of commercial banks was analyzed based on a study context. The objectives that informed the study included; ascertaining the effect of Internet banking, agency banking, ATM banking, and mobile banking on the bank's financial performance. A cross-sectional survey design approach was adopted for the study, and the study was focused on Stanbic Bank. The targeted population of the study was 50 respondents, while the sample size was 44, though the actual participants were 40. The collection of data was through both qualitative and quantitative research approaches. The data collection instrument used in the study was the questionnaire. The study therefore established that the relationship between technological innovation and financial performance was a positive one. The results mean that the utilization of the different innovations is positively related to performance, and hence using them much more would increase the performance of Stanbic Bank. The technological innovation and financial performance relationship is important in the practice of financial institutions. The study recommended that commercial banks need to extend their electronic services in a well-planned and articulated strategy for the long run since this will increase clients' satisfaction and also increase the institution's profits. The banks were also requested to carry out awareness and promotional campaigns so that the customers are aware of the benefits of using e-banking.

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