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Item Corporate governance and financial performance of commercial banks in Uganda(Uganda Christian University, 2026-04-16) Hassan KizitoThis study examined the relationship between corporate governance and financial performance of commercial banks in Uganda, with a particular focus on the mediating role of management efficiency, using Stanbic Bank as a case study. The study was guided by three objectives: to determine the effect of corporate governance on financial performance, to examine the relationship between corporate governance and management efficiency, and to assess the influence of management efficiency on financial performance. A quantitative, correlational, and cross-sectional research design was adopted. Data was collected from 120 respondents, including branch managers, accountants, and internal auditors, using structured questionnaires. Statistical analysis was conducted using SPSS, employing descriptive statistics, correlation, regression, and mediation analysis. The findings revealed a significant positive relationship between corporate governance and financial performance. Corporate governance was also found to significantly influence management efficiency, while management efficiency had a strong positive effect on financial performance. Mediation analysis indicated that management efficiency partially mediates the relationship between corporate governance and financial performance, implying that governance mechanisms improve performance both directly and indirectly through enhancing operational efficiency. The study concludes that effective corporate governance practices, supported by efficient management, are critical in improving the financial performance of commercial banks in Uganda. It recommends strengthening governance enforcement, improving board effectiveness, and investing in management efficiency to enhance overall bank performance.Item The impact of agent banking on the financial habits and accessibility of financial services for rural communities in Mukono district(Uganda Christian University, 2026-04-09) Marvinn TusiimeThe main aim of this study was to find out the impact of agent banking on the financial habits and accessibility of financial services for rural communities in Mukono District. The study was specifically carried out in Nakisunga and Nagojje sub-counties. To achieve this, the researcher used a cross-sectional survey research design. The sample size of 90 respondents was comprised of local farmers, traders, and civil servants. The primary data was collected using a structured questionnaire. The data was collected through face-to-face interviews. Once the data was collected, it was analyzed using SPSS Version 20.0. The results of the research indicated that financial accessibility in rural areas has improved through agent banking. The respondents agreed that the agents are accessible since they are within walking distance. This has helped them save on the cost of transportation, which they used to spend going to Mukono Town. However, from the research, it was also established that the reliability of the agents is very low. The agents are often out of cash, and their networks are mostly unstable. This has resulted in rural residents not fully trusting their agents to keep their finances. The research results indicated that people are using the agents for withdrawal of cash and paying of bills but are still keeping their actual wealth in their informal VSLAs. The regression results showed that although proximity is good, reliability is the strongest factor for positive financial habits. The conclusion of the study was that the issue of physical distance has been solved through agent banking, but the saving culture of the rural people has not changed completely since the system is not reliable. Based on these findings, the researcher recommended that commercial banks should support their agents by providing float loans so they always have cash. The banks should also work with telecom companies to make the network stable, and they should create a system that allows the local VSLAs to deposit their group savings directly through the agents.Item The effect of sustainable procurement on financial performance of manufacturing firms. A case study of nsava feeds Uganda(Uganda Christian University, 2026-04-16) Praise Buyinza NabukeeraThis study examined the effect of sustainable procurement practices on the financialperformance of manufacturing firms, with a specific focus on Nsava Feeds Uganda. The research was guided by three key dimensions of sustainable procurement: environmental assessment, social responsibility, and economic evaluation during procurement processes. A descriptive cross sectional survey design was adopted, utilizing a quantitative approach. Data was collected from 197 respondents, including procurement officers, managers, and other staff involved in procurement and financial decision making, using structured questionnaires. The findings revealed that although sustainable procurement practices are not fully integrated within Nsava Feeds, all three dimensions environmental, social, and economic have a significant positive relationship with financial performance. Correlation analysis indicated strong positive associations, particularly between social responsibility and financial performance (r = 0.658), followed by environmental assessment (r = 0.639) and economic assessment (r = 0.510). Regression results further confirmed that sustainable procurement practices significantly predict financial performance, explaining 53.2% of its variation. Among the three factors, environmental assessment had the strongest influence on financial performance, followed by economic assessment and social responsibility. Despite these positive relationships, the study found that Nsava Feeds has not fully embraced sustainable procurement practices, especially in environmental and social aspects, leading to missed opportunities for improved financial outcomes. The study concludes that strengthening sustainable procurement practices can enhance cost efficiency, reduce risks, and improve overall financial performance. The study recommends that Nsava Feeds should prioritize environmental sustainability in procurement, strengthen social responsibility practices, and improve economic evaluation strategies to achieve long term financial stability and competitiveness.Item Impact of whistleblowing on the performance of financial institutions, a case study of centenary bank mukono branch(Uganda Christian University, 2026-04-16) Lawrence BalukuThis research investigates the consequence of whistleblowing activities on financial institutions with particular emphasis on the impacts of reporting wrongful acts on the degree of transparency, accountability, and the institution's performance as a whole. It analyzes the fraudulent activities and non-compliance with regulations which employees are willing to report owing to the unethical practices of their organizations. The study considers the primary and the secondary data to assess the levels of awareness within the employees of the institution on whistleblowing and the reporting challenges, as well as the consequences of such reports for the institution. The results suggest that the governance of institutions which have a well-functioning whistleblowing system in place suffer less financial risk and are more exposed to public confidence. The study suggests that institutions should safeguard confidentiality, protective of whistleblowers, promote a reporting culture as well as policy alignment with whistleblowing practices to gain optimum benefit from such whistleblowing activities.Item The role of savings and credit cooperatives (saccos) in promoting financial inclusion in the rural areas of masaka distrct(Uganda Christian University, 2026-04-16) Musa NadduliIn the socio-economic environment of Uganda, the issue of financial exclusion has continued to financial training program for the community, these organizations have the potential of bridging questionnaires and 2 informant interviews. Based on the analysis of the data using SPSS software literacy on the actual use of SACCO products,by households of the country. The study was be a significant socio-economic challenge, where a high percentage of the population has no access has demonstrated the need for the development of a robust savings culture, transparent leadership qualitative approaches in the study to ensure the attainment of a well-rounded data set. A total of auspices of three major pillars, which included the evaluation of the impact of the mobilization of 50 participants were targeted in the study, with the data being sufficient for the study with 46 marginalized and low-income population of the country. The study was undertaken under the structures, and the need for financial education in bridging the financial inclusion gap. In fact, the study has demonstrated that with the capacity building of SACCOs and the development of a with the aid of descriptive statistics such as mean and standard deviation, it is evident that the study savings on financial inclusion, the importance of governance structures, and the role of financial conducted using a cross-sectional research approach with the inclusion of both quantitative and emerged as a significant factor for the promotion of financial inclusion in the lives of the to the formal banking system. However, under the concept of financial exclusion, SACCOs have the gap for the rural communities.Item Electronic purchasing implementation and supplier performance in manufacturing companies(Uganda Christian University, 2026-04-17) Edina AnyangoThe current research will be conducted to study the effects of implementation of e-procurement on the supplier performance in manufacturing firms. Due to the rising usage of IT systems in the procurement process, firms have started migrating from the traditional paper-based systems to e-systems for better effectiveness and efficiency of the procurement process. The research will focus on various elements of e-procurement implementation, including e-sourcing, eprocurement integration, and monitoring of the performance of suppliers using KPIs.Three research objectives have been identified for this research, which include evaluating the influence of e-sourcing on improving supplier performance, exploring the impact of integration of electronic procurement on supplier performance, and examining the correlation between adoption of e-purchasing and supplier performance in manufacturing organizations. The research design will comprise both qualitative and quantitative methods to gain a holistic perspective of the issue under investigation. The target population will be made up of 40 individuals within manufacturing organizations, whereas the sample size will be 36. The respondents will be selected using simple random sampling method. Both primary and secondary data will be collected using various instruments.The proposed research is based on the existing literature, which states that e-procurement leads to improvements in operational efficiency, decrease in the cost of procurement, increase in transparency, and improved collaboration between suppliers (Croom & Brandon-Jones, 2007; Teo, Lin & Lai, 2009). At the same time, some barriers like lack of technological capabilities, resistance to changes, and expensive implementation hinder the performance of e-procurement. The results of this research will offer valuable information regarding the optimization of electronic procurement systems in order to boost the performance of suppliers and improve organizational efficiencyItem The effect of accounts receivables management on financial performance of small and medium enterprises in Uganda(Uganda Christian University, 2026-04-17) Ivy Berna LutaraThe research aimed at finding out how small and medium enterprises manage their accounts receivable and how this impacts their performance financially in Kampala district. It mainly concentrated on issues like how they manage their credit policy, how they follow up on their customers on their payments and how they check their customers before giving them goods or services on credit. The research design adopted by this research was a correlational one. It aimed at finding out if there is a relationship between these factors and how they influence their financial performance. It targeted fifteen respondents who worked in different SMEs in different fields like the retail and service sectors. It mainly targeted business owners, accountants and finance managers since they are the ones who are mainly involved in managing their finances. Questionnaires were used to collect most of the information since they are considered to be more effective when collecting data. Later, some interviews were conducted to gather more information. The results indicated that SMEs made efforts in implementing credit policies but the majority did not adhere strictly to the policies. It was also observed that businesses that kept in touch with customers through reminders and constant communication had better cash flow. It was also observed that businesses that checking the customers’ credit helped in reducing cases where people did not pay as agreed. The results also indicated that there is a link between the management of receivables and the performance of the business. In conclusion, the management of receivables is vital in enhancing the performance of a business. SMEs should be more consistent in implementing the credit policies and the way they collect their debt. They should also be serious about customer evaluation in order to avoid some of the problems they are likely to face in the future.Item Mobile money adoption on financial performance of small business enterprises in lira city(Uganda Christian University, 2026-04-17) Nellisha Vivian AkechMobile money services have revolutionized financial landscapes in developing economies by providing efficient, accessible, and cost-effective digital tools for small-scale operations. This study investigated the relationship between the dimensions of mobile money services specifically mobile payments, mobile credit, and merchant payment systems and the financial performance of small enterprises (SEs) in Lira City. Despite the rapid growth of digital transactions in Uganda, many SEs continue to face high operational risks and financial instability, creating a need to determine how specific mobile money dimensions contribute to firm-level performance. The research employed a quantitative cross-sectional design, targeting a population of 1,200 SEs in Lira City. Using stratified random sampling, a sample size of 300 enterprises was selected. Primary data was collected through structured five-point Likert-scale questionnaires and semi-structured interviews. The collected data were analyzed using descriptive statistics and regression analysis to establish the predictive power of mobile money services on financial indicators such as profitability, liquidity, revenue growth, and cost efficiency. The findings revealed a statistically significant positive relationship between mobile money adoption and financial performance, with the model explaining 42% of the variation in performance. Mobile payments had the most substantial impact by enhancing sales turnover and reducing cash leakages, followed by merchant payment systems, which streamlined revenue tracking. Mobile credit, while significant, primarily served as a liquidity buffer for working capital. The study concludes that mobile money is a critical driver of operational efficiency and financial discipline. Consequently, it is recommended that SE owners transition toward integrated merchant systems (like MoMo Pay) and that policymakers strengthen digital literacy and regulatory frameworks to protect transactions. These practices are essential for ensuring the long-term sustainability and digital integration of small businesses in emerging urban centers. .Item The impact of interest rate changes on the financial performance of commercial banks in Uganda: a case of equity bank-mukono branch(Uganda Christian University, 2026-04-17) Sharon Musiime NuwaherezaThe study examined the impact of interest rate changes on the financial performance of commercial banks in Uganda: a case of Equity Bank-Mukono Branch. It specifically focused on; examining the relationship between lending rate changes and financial performance, establishing the relationship between deposit rate changes and financial performance, and assessing the relationship between monetary policy rate changes and financial performance of Equity Bank. The study was carried out using a cross sectional survey research design where both quantitative and qualitative research approaches were also used. The data was collected using questionnaires and interviews and during data collection; both purposive and stratified sampling methods were used. A sample size of 52 respondents who are management and employees of Equity Bank, Mukono branch was also used in the study. The study findings revealed that interest rate changes significantly and positively affect the financial performance of Equity Bank–Mukono Branch. Lending rate changes influence loan demand and interest income and are positively correlated with financial performance (r = 0.636**, p < 0.05), while deposit rate changes affect deposit mobilization and liquidity, showing a strong positive relationship (r = 0.674**, p < 0.05). Monetary policy rate changes also affect pricing, lending capacity, as well as profitability, which has significant positive correlation with financial performance, (r = 0.605 **, p < 0.05), which shows that the management of interest rates can positively impact the performance of banks. Lastly, the study recommended that Equity Bank, Mukono Branch, should strategically manage changes in lending rates, as well as deposit rates, while improving training for the staff on how changes in interest rates affect the operations of the bank, so that lending, deposit, as well as investment decisions can be positively impacted by central bank monetary policiesItem The impact of sustainability practices on coffee value chaine(Uganda Christian University, 2026-04-17) Alex WanzalaThis study sought to investigate the effect of sustainability practices on the coffee value chain in the Elgon Region of Uganda, with special reference to Bugisu Cooperative Union in Mbale District. The study was guided by objectives that included an examination of the effect of sustainability practices on the performance of the coffee value chain. The study used a descriptive research design with both qualitative and quantitative aspects. The study targeted small-scale coffee farmers who were members of the cooperative union. The study was based on the assumption that sustainability practices such as the use of agroforestry, shade trees, reduction of chemical use, fair trade practices, and farmer participation were important in improving the performance of the coffee value chain. The study found that sustainability practices have a positive effect on the performance of the coffee value chain. For instance, the study found that agroforestry practices improved the fertility of the soil. The study also found that farmer participation was important in improving the performance of the coffee value chain. The study concluded that sustainability practices were important in improving the performance of the coffee value chain. The study recommends that sustainability practices should be encouraged in the coffee value chain in Bugisu Region. The study further recommends that the government should establish training centres for small-scale coffee farmers to enhance their understanding of sustainability practices.Item The effect of forensic accounting in combating corruption in government agencies in Uganda(Uganda Christian University, 2026-04-17) Ritah NaigagaCorruption has remained one of the major challenges affecting the performance and credibility of government agencies in Uganda. Despite the many reforms and measures instituted, the incidence of embezzlement, procurement fraud, and financial malpractices continues to manifest itself, thereby undermining public service delivery. This study sought to investigate the impact of forensic accounting in the fight against corruption in government agencies in Uganda.The study was guided by four major objectives: to investigate the role of forensic accounting in the identification of corruption, to investigate the effectiveness of forensic accounting techniques in the prevention and control of corruption, to identify the challenges facing forensic accountants, and to identify strategies for improving the use of forensic accounting in the fight against corruption. A descriptive research design was used, which integrated both qualitative and quantitative approaches. The study targeted selected government agencies, including the Uganda Revenue Authority, the Office of the Auditor General, and the Inspectorate of Government. The study used structured questionnaires and interviews to obtain relevant information, which was analyzed using descriptive statistics and thematic analysis to arrive at meaningful conclusions. From the findings, it is evident that forensic accounting is vital in the examination and discouragement of corruption through auditing, fraud examination, and evidence-based reporting. However, the effectiveness is constrained by various factors, including inadequate technical skills, insufficient technological tools, inadequate implementation of recommendations, and insufficient institutional support. The study has shown that forensic accounting is a vital tool in enhancing transparency and accountability in government agencies. It is recommended that more training is needed in the field of forensic accounting, advanced forensic technology should be acquired, and forensic audit departments should be set up in all government ministries and agencies to combat corruption.Item Loan default and the sustainability of microfinance institutions a case study of Finca Mukono branch(Uganda Christian University, 2026-04-16)This paper examined how default on loans affects the financial sustainability of the Mukono Branch of FINCA Uganda, a microfinance institution (MFI) that operates in a semi-urban environment in Uganda. The study was based on the information asymmetry theory as proposed by Stiglitz and Weiss (1981) and aimed to test the role of institutional, borrower, and macroeconomic variables in causing defaults and the consequent impact on main sustainability indicators. The study used a mixed-method case study design, which involved gathering, and the triangulation of data on 36 employees through questionnaires, six in-depth interviews with key informants, and a review of the branch financial records in the years 202025. The data were analyzed using descriptive statistics, multiple regression analysis and thematic analysis. The results showed that there was a definite post-COVID recovery path, and Non-Performing Loan (NPL) ratios decreased, going to 18.0% in 2020 and 8.5% in 2025; Operational and Financial Self-Sufficiency increased to 115% and 110, respectively. Borrower-specific attributes such as multiple borrowing, low financial literacy, and health crises were also determined as the strongest predictors of default ( 0.45, p < 0.001). Other negative impacts were also significant with institutional (high workload of staff and lack of monitoring) and macroeconomic (post-pandemic disruptions and inflation) factors. The regression model was able to argue out 68 percent of the overall impacts on perceived sustainability (R 2 = 0.68, p = 0.001). The research finds that although loan defaults are a major challenge to the sustainability of MFI, specific management of client risks, institutional capacity enhancement and responsive measures to economic shocks can help ensure long term sustainability. Some of the recommendations made are to build capacity to enhance the capacity to screen borrowers and financial literacy programs, enhance staff capacity to monitor clients and promote credit information sharing across the sector to reduce over-indebtedness, which eventually builds the long-term financial inclusion agenda of MFIs in Uganda.Item Factors Determining Acess To Credit in Uganda(Uganda Christian University, 2026-04-16) Tracy AtuhaireThe objective of the current study, therefore, is to explore the effects of socio-economic factors, institutional factors, and financial literacy on credit access in Uganda, since the issue of financial exclusion persists in spite of all the efforts made within the sector. Therefore, this paper considers the impact of socio-economic characteristics, institutional constraints, and financial literacy on the ability of Ugandan adults to obtain credit. For the research, secondary data were collected via the nationally representative Fin Scope Consumer Survey Uganda 2023. A total of 3,176 Ugandan adults were selected as a working sample and were analyzed using descriptive statistics, correlations, and Binary Logistic Regression. As the results show, there is a noticeable paradigm shift in the constraints on accessing credit, with nearly 59% of respondents not having access to any credit within the last year. Socio-economic and institutional factors such as gender, living in an urban area, and traveling distance to banks were statistically insignificant once other variables were taken into account. Institutional trust and awareness of digital lending platforms became prominent supply-side constraints, while multi-dimensional financial literacy, which includes educational literacy, financial autonomy, digital literacy, and debt-related attitudes, proved to be a powerful predictor of credit access. The main findings of the research indicate that the phenomenon of financial exclusion in Uganda has evolved from one that is characterized by geographic and physical barriers into one that is characterized by digital and knowledge barriers. This implies that efforts should be put towards aggressive consumer education campaigns coupled with strong protection mechanisms and creation of user-friendly financial products.Item Budgetary control and financial performance of commercial banks in Kampala: a case study of ncba bank Uganda(Uganda Christian University, 2026-04-17) Patience Sally ImouThe study examined budgetary control and financial performance of commercial banks in Kampala with specific focus on NCBA Bank, Uganda. It specifically focused on; examining the relationship between budget monitoring and financial performance of commercial banks, examining the relationship between budget planning and financial performance of commercial banks, and examining the relationship between budget participation and financial performance of commercial banks.The study was carried out using a cross-sectional research design where analytical research approach was also used. The data was collected using questionnaires and interviews and during data collection, simple random sampling and purposive sampling methods were used. A sample size of 41 respondents who are employees of NCBA Bank was also used in the study although 33 of these responded to the questionnaires. The study findings established that budget monitoring, budget planning, and budget participation significantly enhance financial performance at NCBA Bank. Budget monitoring showed a positive relationship with financial performance (r = .565**, p < .01) and a positive regression influence (β = 0.100, t = 1.587, p = 0.000). Budget planning had the most significant correlation (r = .776**,p < .01) and highest regression impact (β = 0.459, t = 3.514, p = 0.000). Budget participation had a significantly positive correlation (r = .672**, p < .01) and a positive regression impact (β = 0.284,t = 1.862, p = 0.000), demonstrating that good budget planning and employee participation lead to better results. The recommendations for NCBA Bank included the need to adopt a more strategic approach to change management, enhance communication mechanisms, continuously train and provide technical assistance, involve key players, and deal effectively with resistance to change.These actions will enhance employee competence, stakeholder commitment, system acceptance,and the effective adoption and implementation of e-procurement systems improve the commercial bank's financial performance and operational feasibilityItem The impact of financial literacy on debt management of university students: A case study of Uganda Christian University(Uganda Christian University, 2026-04-16) Christel Joy ArinaitweFinancial literacy is increasingly recognised as a critical factor influencing individuals’ ability to manage personal finances and make informed borrowing decisions. This study addresses the impact of financial literacy on debt management among students at Uganda Christian University (UCU), emphasizing that many students rely on loans and credit but lack sufficient financial knowledge to manage debt effectively. The study also addresses low financial literacy levels as one of the key causes of poor budgeting, delayed repayments, and financial stress among the youth. Therefore, the study addresses its purpose, objectives, research questions, scope, and significance to inform policies and educational strategies to promote responsible financial behaviour among university students.The study shows the theoretical and empirical literature on financial literacy and debt management among university students, guided by behavioural and economic theories. It identifies financial literacy—particularly knowledge of financial products, risk management, and investment—as a key factor influencing responsible debt management practices such as budgeting and repayment strategies. These studies show a positive relationship between financial literacy and effective debt management, although factors such as income levels and access to financial services may affect this relationship. The study also identified a gap in context-specific research on financial literacy and debt management among university students in Uganda, particularly at Uganda Christian University. This study used a mixed-methods design and stratified random sampling. Data collected from 51 respondents revealed generally high levels of financial literacy, with students demonstrating awareness of budgeting, emergency planning, and responsible borrowing practices. A comparison between business students displayed slightly stronger financial planning practices than non-business students. However, the findings also showed that financial knowledge does not always translate into consistent financial discipline. Mobile money loans were identified as the most common source of debt, reflecting the influence of accessibility and convenience on borrowing behaviour. This study was limited by time and resource constraints, self-reported data, and a single-institution sample, which were mitigated through stratified sampling, use of free online resources, structured scheduling, and anonymity to enhance reliability. Overall, the study concludes that the practical application of financial knowledge, and strengthening financial education, responsible lending practices, and proactive financial behaviours such as budgeting, saving, and controlled borrowing are needed to improve student financial outcomes.Item Corporate governance practices and financial performance of a manufacturing company a case study of coca cola beverages Uganda LTD(Uganda Christian University, 2026-04-15) Jennifer AmekThe sought to establish how board composition affects financial performance, how effective the audit committee is, and how transparency and disclosure could impact financial performance. To achieve these goals, the research employed a mixed research design using the explanatory sequential method. The team gathered quantitative data through structured questionnaires answered by 27 respondents and backed up the results with secondary financial information. Financial performance, based on the perceptions of the respondents, was measured using a five-item instrument on a Likert scale. Descriptive statistics, correlations, and multiple regressions were employed using SPSS to analyze the data. The results indicate that there are strong and positive opinions regarding corporate governance practices, with the effectiveness of the audit committee being the highest (mean = 4.36). The second highest was transparency (mean = 4.28), followed by board composition (mean = 4.02). The correlations indicate that there are strong positive relationships between people’s perception of corporate performance and corporate governance practices, with the effectiveness of the audit committee being the highest (r = 0.81, p < 0.01). The second highest was transparency (r = 0.61, p < 0.01). Board composition was also significant (r = 0.44, p < 0.05). In the regression results, the three corporate governance practices explained 78.5% of the variation in perceived financial performance (R2 = 0.785, p < 0.001). The effectiveness of the audit committee was found to be the most important factor in perceived financial performance. The implications of this study are that good corporate governance has important implications for corporate performance outcomes and stakeholders’ perception of corporate financial performance outcomes, thereby making the organization more resilient and reducing agency costs. The recommendations are to emphasize audit committee expertise, reinvigorate whistle-blowing mechanisms, and improve board diversity. The study has implications for corporate governance in Uganda’s private manufacturing sector.Item Impact of digital technologies on financial performance of commercial banks in Uganda: a case study of absa bank Uganda, mukono branch(Uganda Christian University, 2026-04-15) Lucy AkechThe study examined the effect of digital technology on the performance of Absa Bank of Uganda Ltd Mukono Branch with particular attention to the effect of adopting mobile banking, internet banking and cyber security measures. A descriptive survey research design was used with collection of data through the use of structured questionnaires on a sample size of 42 employees giving a good response rate of 95.5%. followed by its positive influence on profitability (mean score = 4.24, 88.1%). Implementation of internet banking had the greatest impact among the three factors (overall mean score = 4.17), with lowering processing time being rated very highly (mean score = 4.26, 90.5%) alongside efficiency in branches (mean score = 4.22, 88.1%). Cybersecurity positively affected financial performance (mean score = 4.05), with the most highly agreed-upon factor being the development of client confidence (mean score = 4.19, 88.1%), followed by sustained profitability (mean score = 4.07, 85.8%). Perceptions of financial performance were very positive (mean score = 4.17), where profit maximization recorded the highest score of 4.26 (90.5%). The results indicate that digital technologies have a substantial positive effect on financial performance in the semi-urban setting, which translates into better revenue growth, efficiency, savings, and customer trust. Based on the results, recommendations for future research could be made. First, there should be greater efforts by commercial banks in marketing their products and services through mobile and internet banking. Second, the training and investment in cyber security technology should be increased. Third, better communication about efficiency savings in banks should be established. Fourth, policies should be put in place to support the adoption of digital technologies in semi-urban settings.Item Mobile money adoption and financial inclusion in jinja city(Uganda Christian UNiversity, 2026-04-15) Ibrahim WaididThe study sought to examine how people use mobile money services and how this contributes to financial inclusion in light of the increased use of digital financial services in urban centers. While many people have access to mobile money services, the real question is how this translates to financial inclusion and quality services for users. The study sought to answer this by employing the Technology Acceptance Model, the Unified Theory of Acceptance and Use of Technology, and the Financial Intermediation Theory. The study design was a mixed research design that used both qualitative and quantitative data. The study used a questionnaire to collect data from 42 respondents of the general public and small and medium-sized enterprises operating in Jinja City. The study also used key informant interviews to collect data from 5 different sources. The study used descriptive statistics to measure the level of mobile money adoption. The study also used regression and correlation tests. The results revealed a high adoption rate of mobile money services by the people of Jinja City, mainly based on perceived usefulness (M = 4.22) and ease of use (M = 3.90). The results for financial inclusion revealed a high level of accessibility to financial services (M = 4.36) but a moderate level of financial usage (M = 3.29). However, the quality and affordability of services were rated low (M = 2.54), indicating that the availability of mobile money services does not necessarily imply a higher financial participation. The study established that mobile money services are highly adopted among individuals in Jinja City, primarily based on usefulness (M = 4.22) and ease of use (M = 3.90). The study on financial inclusion established that individuals in Jinja City are highly accessible to financial services (M = 4.36) but moderately financially included (M = 3.29). However, individuals rated quality and affordability of services low (M = 2.54), indicating that mobile money services do not imply that individuals are financially included. The study established that mobile money services are positively, strongly, and reliably related to financial inclusion results (\(r\) = 0.704, p < 0.01). This indicated that 49.6% of financial inclusion results could be explained by mobile money services. The study was also supported by interview results, which indicated that high transaction costs, taxation, trust, and digital literacy are inhibiting factors of financial inclusion. From the study, it is clear that mobile money plays a crucial role in the integration process in Jinja City. There is a policy gap and operational gap that inhibit the potential for financial integration. The gap can be closed by introducing reforms and reducing costs and training in digital skills that can help in enhancing financial integration.Item The effects of mobile money on financial inclusion and management among street vendors on jinja main street, Uganda(Uganda Christian University, 2026-04-14) Joanna KiraboThis study examined the effects of mobile money adoption on financial inclusion and management among street vendors on Jinja Main street, Uganda. The research was driven by the need to evaluate how digital financial services bridge the gap for unbanked informal traders in urban settings. Chapter One introduces the study, highlighting Uganda’s rapid mobile money growth and the problem of limited documentation regarding its impact on the financial behaviors of street vendors. The primary objectives were to assess the impact of mobile money usage on financial inclusion, evaluate its role in facilitating savings and credit, and identify structural challenges faced by vendors. Chapter Two provides a conceptual and empirical review of literature, identifying a gap in how daily digital transactions translate into long-term financial management. The review establishes that while mobile money has increased national financial inclusion to 66%, informal workers still face unique barriers to formal credit. Chapter Three details the research methodology, employing a descriptive survey design and a mixed-methods approach. Using Yamane’s formula, a sample of 171 vendors was targeted, yielding 165 valid responses. Data were analyzed using SPSS for descriptive statistics, Pearson correlation, and regression analysis. Chapter Four presents the findings, revealing a 100% adoption rate among respondents. Correlation analysis showed a strong positive relationship (r = 0.615) between mobile money usage and improved financial management. Regression analysis indicated that mobile money adoption explains 41% of the variance in financial inclusion. While efficiency in receiving payments scored highly (Mean = 4.60), access to digital credit remained moderate due to rigid algorithms. Chapter Five concludes that mobile money has successfully revolutionized transactional security and cash flow management for vendors but has not yet fully unlocked business expansion through credit. The study recommends that telecom providers introduce subsidized transaction tiers for micro-vendors and that the government improves network infrastructure to ensure the sustainability of the informal digital economy.Item Risk management practices and financial performance of small Scale businesses in kamuli district(Uganda Christian University, 2026-04-14) Diana NanyanziThe study aims to examine the relationship between risk management practices and financial performance of small scale businesses in Kamuli district. This study examined the risk management practices adopted by small scale businesses, assessed the impact of risk management practices on financial performance and identified the challenges that are faced by small scale businesses. In implementing risk management practices, this study used cross sectional approach to collect data from respondents that were selected in the sample size among the small scale businesses in Kamuli district.