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Item Performance Management Practices and Employee Retention in Organizations(Uganda Christian University, 2025-09-22) Patience BirungiThis research investigated how performance management practices contributed to employee retention at Housing Finance Bank. In particular, it paid attention to training and development, fairness of the evaluation, the quality of feedback, and clarity of goals. The survey was conducted with the help of a descriptive approach, where 32 employees were used based on a survey methodology, including structured questions, quantitative answers, and qualitative ones. The quantitative data were discussed in terms of frequencies and percentages to determine the tendencies and the degree of agreement, whereas the qualitative comments were used to provide a context and deeper understanding of the employees. The results showed that despite the fact that only 57.9% employees provided active participation in the goal-setting, the majority of them knew their performance targets and were aware of how they aligned with the strategic objectives of the bank. Whereas there are employees who complained about the unequal availability of opportunities, most of them said there was timely feedback and useful. There were also challenges observed on the availability of training and fairness of performance appraisals. Generally, performance management practices were observed to have a lot of impact on the intentions of the employees to stay in the organization. It suggests to improve structured feedbacks and to have transparent and equitable assessments, to have better access to training, to have performance-based recognition and increase participatory goal-setting as a way to increase employee engagement, satisfaction and retention in the long term.Item Impact of credit policy on commercial banks(Uganda Christian University, 2025-09-17) Derick AtumanyaThe stability and growth of the Ugandan economy are significantly influenced by the performance of its commercial banking sector. A well structured credit policy is a critical management tool for mitigating risk, ensuring loan portfolio quality and ultimately determining a bank's financial performance. This study investigates the relationship between credit policy and performance of commercial banks with a specific focus on Post Bank Uganda's main branch in Kampala. The research adopted a case study design, utilizing a mixed methods approach. Primary data was collected through questionnaires administered to a sample of staff at Post Bank Uganda's main branch and interviews with key management personnel. Financial performance was measured using key indicators such as Return on Assets (ROA), Return on Equity (ROE) and the level of Non Performing Loans (NPLs). Data was analyzed using both descriptive and inferential statistics. The study found that specific components of Post Bank Uganda's credit policy have a statistically significant and positive relationship with the bank's performance. A well defined credit policy was shown to contribute to higher profitability (as measured by ROA and ROE). The research also identified external economic factors and stringent loan appraisal processes as influential elements impacting the effectiveness of the credit policy The study concludes that a robust and effectively implemented credit policy is a fundamental driver of improved financial performance for commercial banks in Uganda. It enhances asset quality, maximizes returns, and minimizes credit losses. It is recommended that Post Bank Uganda, and similar financial institutions continuously review and adapt their credit policies to align with dynamic market conditions invest in advanced credit risk assessment technologies and enhance staff training in credit management to sustain and improve performance. Keywords: Credit Policy, Financial Performance, Commercial Banks, Non Performing Loans, Return on Assets, Post Bank Uganda, Kampala.Item THE EFFECT OF LEADERSHIP STYLES ON EMPLOYEE PERFORMANCE IN NONPROFIT ORGANIZATIONS: A CASE OF SIKYOMU DEVELOPMENT(Uganda Christian University, 2025-09-18) Mary Gorreth NanziriThe study aimed at examining the effect of leadership styles on employee performance in nonprofit organizations: a case of Sikyomu Development. It specifically focused on; examining the relationship between transformational leadership and employee performance, establishing the relationship between autocratic leadership and employee performance, and exploring the relationship between laissez-faire leadership and employee performance in Sikyomu Development. The study was conducted utilizing a cross-sectional study design, with both quantitative and qualitative research methods used. Data was obtained by questionnaires and interviews, and both basic random and selective sample approaches were used. The study also included a sample size of 40 respondents who are top management and lower-level employees of Sikyomu Development. The study findings revealed that transformational leadership enhances workers' performance and motivation at Sikyomu Development Organisation (r = .644**, p < .05) by encouraging individual recognition, participation in decisions, vision, teamwork, and innovation. In contrast, autocratic leadership lowers performance (r = -.556**, p > .05) according to over-controlling, low communication, and reduced employee autonomy, even though it offers quick decision-making and oversight for lower-skilled workers. Laissez-faire leadership had a generally positive but multi-faceted effect on performance (r = .623**, p < .05), since providing autonomy and decisionmaking freedom enhances independence, self-confidence, and innovativeness among selfmotivated employees, but ambiguity and inconsistent performance among less regimented employees. Finally, the study recommended the need for Sikyomu Development to enhance transformational leadership, reduce overreliance on authoritarian methods, use laissez-faire leadership with caution and guidance, establish leadership programs, and implement systematic feedback and appraisal systems to promote employees' motivation, creativity, accountability, and overall performance.Item THE EFFECT OF TAXATION COMPLIANCE ON THE FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN MUKONO DISTRICT A CASE STUDY OF MUKONO CENTRAL DIVISION.(Uganda Christian University, 2025-09-19) Esther NasasiraThis study centered on tax compliance and the financial performance of small and medium enterprises (SMEs) in Mukono District with a focus on Mukono Central Division. Specifically, the research evaluated the relationship between tax compliance and profitability, early tax filing and liquidity in business, and the effect of proper tax record keeping on financial stability. Descriptive cross-sectional study using quantitative approach was employed and 80 registered SMEs were the target from which 66 respondents were chosen using simple random sampling. Structured questionnaires were utilized to collect data, and descriptive statistics including means, percentages, and standard deviations with the assistance of SPSS software were used to analyze the data. The findings showed that tax compliance positively contributed to the financial performance of SMEs. Compliance with taxation laws and making timely payment of taxes were highly correlated with profitability since compliance did not attract any penalties and enhanced business reputation. Timely filing of taxes was found to ease liquidity through the maintenance of cash flow stability, prevention of unexpected expenses, and allowing for easier financial planning. Furthermore, improved record-keeping of taxations significantly contributed to fiscal sustainability through decision-making that is well-informed, reduced risk, and greater investor and lender confidence. The study identified tax compliance, prompt reporting, and maintaining proper records as the most important SME financial performance and sustainability determinants. Based on the findings, it is suggested that tax authorities and government institutions pursue continuous tax education programs, simplify filing procedures through technology-driven systems, provide selective incentives to SMEs, and increase the transparency of tax administration. Additionally, SMEs should adopt modern accounting systems and electronic equipment for improved precision in taxation records and to enable strategic financial management. Taken together, these actions can improve SME growth, profitability, and financial stability in the long run.Item THE EFFECTS OF INTERNAL CONTROL SYSTEM ON THE REVENUE PERFORMANCE OF UGANDA REVENUE AUTHORITY(Uganda Christian University, 2025-09-19) NGABI ANNAH GRACEThis study investigated the influence of internal control systems on the revenue performance of the Uganda Revenue Authority (URA) with specific reference to the Nakawa Branch in the Central Region of Kampala, Uganda. The study was guided by three main objectives: to quantify the effectiveness and adequacy of the internal control elements instituted at URA, to examine the linkage between internal controls and revenue performance, and to ascertain the challenges faced in maintaining effective internal control systems. A descriptive cross-sectional study design employing both qualitative and quantitative methods was utilized in a bid to understand the phenomenon clearly. The target group was 350 workers in major departments which form part of internal control systems and income generation, and 187 respondents were chosen through stratified random sampling for survey and purposive sampling for key informant interviews. The study confirmed that internal controls of URA are fairly effective with particular strength in control environment, information and communication systems, and control activities. These were put in place in order to enhance accountability, minimize leakages of revenue, and achieve timely and accurate reporting of revenue. The risk assessment and monitoring mechanisms were found to be effective but varied with perception by staff and, therefore, may represent areas for improvement. The study also listed some of the limitations to the application of internal controls, for example, limited financial resources, technological factors, lack of training, change resistance, and human resource constraints. In face of these constraints, the study found a strong positive relationship between effective internal control mechanisms and revenue performance, proof that strong control mechanisms bear much responsibility for financial stability and effectiveness in operations. According to the findings of the study, the study recommends that URA invest in modern computerized information systems, facilitate regular staff training programs, conduct regular monitoring and evaluation of internal controls, ensure sufficient resources, and employ measures to reduce resistance to change. Strengthening these areas will enhance the effectiveness of internal controls, facilitate ease of revenue risks, and in turn increase the revenue performance of URA. Keywords: Internal control systems, revenue performance, Uganda Revenue Authority, control environment, risk assessment, monitoring, information systemsItem Digital financial services (DFS) and financial inclusion of small and medium enterprises (SMES) in Uganda(Uganda Christian University, 2025-09-18) Elvie Kasoki KyanaThe present study investigated the effects of Digital Financial Services (DFS) on the financial inclusion of Small and Medium Enterprises (SMEs) in the Mukono Municipality of Uganda. The study was interested in mobile money, digital lending, agency banking, and online banking effects on SME access to credit, effectiveness of transactions, savings, and credit. Descriptive research design that employs qualitative and quantitative approaches was employed. Questionnaires were utilized to gather data and SPSS was utilized to analyze data with the help of descriptive and inferential statistics to examine the connection between DFS adoption and financial inclusion. Findings indicated that mobile money significantly enhanced financial inclusion through enhanced access, transaction simplicity, and enhanced money management. Agency banking and digital lending also enhanced financial inclusion through source of funds, reduction in cost of transaction, and enhancing access to financial services. Convenience and money management were offered by online banking with low take-up because of security concerns but moderate frequency of use. Demographical traits like age, education, and experience in business were found to influence the adoption and usage of DFS. The study concluded that DFS plays an important role in promoting financial inclusion of SMEs in Mukono Municipality. Some of the proposed recommendations are enhancing security for online banking, adopting digital financial literacy initiatives, increasing agency banking reach, and promoting affordable digital credit. The study also proposed additional research on comparative impacts of DFS platforms, longitudinal impacts of DFS on SME financial inclusion, and the impact of digital literacy on DFS adoption.Item THE EFFECT OF HUMAN RESOURCE MANAGEMENT PRACTICES ON THE GROWTH OF SMALL AND MEDIUM SIZED ENTERPRISES IN MUKONO CENTRAL DIVISION(Uganda Christian University, 2025-09-19) NKUWE JONATHANThe foundation of Uganda's economy is made up of small and medium-sized businesses (Small and Medium Sized Enterprises (SMEs), which reduce poverty, generate revenue, and create jobs. However, poor human resource management (Human Resource Management) practices frequently limit their ability to develop. With an emphasis on hiring and selection, training and development, and performance evaluation, this study examined how Human Resource Management practices affected the expansion of Small and Medium Sized Enterprises (SMEs) in Mukono Central Division. SME management and staff were surveyed, interviewed, and had their documents reviewed as part of a mixed-methods approach. Descriptive statistics were used to assess quantitative data, and theme analysis of qualitative data yielded both quantifiable insights and more profound viewpoints. The results showed that hiring and selection practices in Small and Medium Sized Enterprises (SMEs) are often open, merit-based, and backed by precise job descriptions that increase productivity and lower employee attrition. Performance was shown to be improved by training and development, while funding for ongoing initiatives is still minimal. Employee motivation and productivity were increased by the widespread use of performance reviews, which were closely associated with incentives and promotions. Overall, the study found that by enhancing performance, profitability, and expansion, Human Resource Management practices greatly aid in the growth of Small and Medium Sized Enterprises (SMEs). To maintain competitiveness and long-term growth, it advises Small and Medium Sized Enterprises (SMEs) to boost training expenditures, maintain equity and openness in hiring, and improve employee welfare monitoring.Item BUDGETIMPLEMENTATION AND FINANCIAL PERFORMANCE OF SAVINGS AND CREDIT COOPERATIVE ORGANIZATION (SACCOS) IN MUKONO MUNICIPALITY(Uganda Christian University, 2025-09-24) NAMARA MABLEThis study examines how the implementation of the budget affects the financial performance of three Savings and Credit Cooperative Organizations (SACCOs) in Mukono Municipality, Uganda: Kisoboka, Kame Gheto, and Mukono-Kayunga. Establishing the effects of budget planning, approvals, and control on financial performance as determined by profitability, efficiency, and member trust was the aim of the study. A combination of quantitative and qualitative methods was used in a cross-sectional design. Out of a target sample of 103, information was gathered from 78 respondents (76% response rate) via questionnaires and interviews. These respondents included managers, board members, auditors, credit officers, finance officers, and SACCO members. Thematic analysis of the qualitative data was done in addition to correlation and regression analyses using SPSS version 20. In addition to thematic analysis of the qualitative data, SPSS version 20 was used for correlation and regression analyses. The results showed that budget planning (r = 0.712, p < 0.01), budget approvals (r = 0.645, p < 0.01), and budget control (r = 0.734, p < 0.01) were strongly positively correlated with financial success. Budget management had the largest impact (β = 0.398, p < 0.001), followed by budget planning (β = 0.312, p = 0.001) and budget approvals (β = 0.245, p = 0.010), according to the regression results, which showed significant effects. 62.4% of the variation in financial performance was explained by the model (R2 = 0.624). Although issues like optimistic estimations and approval delays still exist, qualitative evaluations showed that regular monitoring, timely approvals, and participatory budgeting improve efficiency and accountability. The study recommends that SACCOs adopt participatory budgeting, streamline approval processes, and strengthen control mechanisms through training and policy support. These findings contribute to the literature on SACCO financial management and provide practical insights for stakeholders to improve performance and sustainability.Item THE ROLE OF SAVING AND CREDIT COOPERATIVES IN IMPROVING HOUSEHOLD INCOME: THE CASE FOR TEACHERS IN IGANGA DISTRICT.(UGANDA CHRISTIAN UNIVERSITY, 2025-09-22) Albert ChawangaSavings and Credit Cooperative Societies (SACCOs) have emerged as critical tools for promoting financial inclusion and income enhancement, especially in rural areas of Uganda. This study explores their role in improving household income among teachers in Iganga District. The objective was to assess how SACCO services—namely loan provision, savings mobilization, and financial advisory—affect the economic welfare of teachers. A mixed-methods approach was employed, incorporating cross-sectional surveys, structured interviews, and analysis of secondary data from SACCO reports and school records. The results showed that 70% teachers accessed SACCO loans, mainly for income-generating activities, with a significant majority (82%) of regular savers reporting enhanced financial stability. Financial advisory services improved financial literacy, though inconsistent delivery hindered their overall impact. Regression analysis showed a strong positive correlation between loan access and income growth (r = 0.94, p < 0.01). Despite these benefits, challenges such as weak governance and limited product flexibility were identified. The study concludes that SACCOs substantially enhance household income among teachers, but reforms in governance and service delivery are essential for sustainable impact. Keywords: SACCOs, household income, financial inclusion, microfinance, Uganda, teacher welfareItem The Effect of Financial Management Practices on the Financial Performance of Small and Medium Enterprises in Mukono Municipality.(Uganda Christian University, 2025-09-15) Immaculate Nabasa A.The purpose of the study was to examine the Effect of Financial Management Practices on the Financial Performance of Small and Medium Enterprises (SMEs) in Mukono Municipality. Particularly, it took into account the research on the relationship between budgeting practices and the financial performances of SMEs, establishing working capital management as a determinant of financial performance of SMEs, and ascertaining the relationship between financial record keeping and the financial performance of SMEs in Mukono Municipality. Furthermore, the study was conducted using a cross-sectional survey research design where quantitative research approach was also employed. A sample size of 80 SMEs operating in Kauga, Mukono Municipality was selected using simple random sampling method. Data was collected using questionnaires and later analyzed using SPSS. All the ethical considerations while collecting data were fully considered by the researcher. The study findings established that budgeting practices (r = .875**, p < .05), working capital management (r = .883**, p < .05), and financial record keeping (r = .879**, p < .05) each have a strong positive and significant influence on the financial performance of SMEs in Mukono Municipality, with effective budgeting improving planning, decision-making, and resource optimization, proper working capital management ensuring liquidity, efficiency, and supplier relations, and accurate financial records enhancing accountability, decision-making, and access to credit. Finally, the study recommended that SMEs in Mukono Municipality prioritize effective budgeting, efficient working capital management, and accurate financial record keeping, supported by staff training and the adoption of technological financial management tools, to enhance planning, liquidity, accountability, decision-making, and overall financial performance, thereby promoting growth, sustainability, and competitiveness.Item Customers Percepions and Their Choices of Fuel Stations in Uganda. Acase Study of Jinja Iganga Highway.(Uganda Christian University, 2025-09-15) Rebecca NanjiyaThe objective of the research was to investigate how consumers' perceptions interact with the fuel stations they attend on Uganda's Jinja-Iganga highway. Using a mixed-methods study to both collect quantitative and qualitative data, this research investigates the impact of perceived service quality, price, and location on consumers' decisions. The findings support the premise that all three variables service quality, price, and location are important in influencing consumer choice. The customers value courtesy and politeness of service, reasonable speed of service, and highly knowledgeable staff, all of which contribute to creating a positive perception of quality. Price is significant, and many consumers are ready to go to another station due to low price, though they also value reasonable and competitive pricing. In addition, accessible location, easy accessibility, and pleasant physical appearance were all found to be significant in order to attract and retain customers. The study determines that gas stations along this highway must strategically focus on these three variables in a bid to acquire and maintain competitive advantage. The managers are advised to prioritize employees' training, adopt competitive prices policy, and optimize the physical configuration of their stations, the report says. It is suggested that future studies can broaden the geographical coverage and consider other variables including brand loyalty schemes and non-fuel services' impact.Item Impact of Financial literacy on financial performance of smes in mukono district(Uganda Christian University, 2025) Tracy AkumuThis study examines the impact of financial literacy on the financial performance of youth-led Small and Medium Enterprises (SMEs) within a 5-km radius of Uganda Christian University (UCU) in Mukono District, Uganda. Employing a descriptive research design, data were collected from 71 respondents (77.2% response rate) out of a planned sample of 92, including 51 owners, 14 managers, and 6 holding both roles, across 120 SMEs in retail (40.8%), services (28.2%), agriculture (21.1%), and manufacturing (8.5%). Using structured questionnaires, the study assessed financial literacy components—knowledge, attitudes, and behaviors—and their effects on profitability, liquidity, and access to credit. Findings indicate moderate financial literacy (mean = 3.4/5), with knowledge (mean = 3.59) significantly enhancing profitability by 18% (r = 0.62, p < 0.05), attitudes (mean = 3.29) improving liquidity by 15% (r = 0.51, p < 0.05), and behaviors (mean = 3.17) increasing loan approvals by 25% (r = 0.45, p < 0.05). Multiple regression analysis confirmed a significant positive relationship (R² = 0.568, p < 0.05), with financial attitudes (β = 0.4154, p < 0.001) and knowledge (β = 0.3266, p = 0.004) as the strongest predictors, while behaviors (β = 0.0533, p = 0.566) were less significant in the composite model. Retail SMEs outperformed others due to student-driven demand, while challenges like competition from Kampala, seasonal fluctuations tied to UCU’s academic calendar, and limited training (only 36% of owners trained) were evident. Grounded in Human Capital Theory, Resource-Based Theory, and Financial Socialization Theory, the study rejects the null hypothesis, affirming financial literacy’s role in SME success. Recommendations include community-based budgeting workshops, savings-focused programs, and digital record-keeping training to address knowledge gaps and gender-specific barriers, particularly for women-led SMEs (40.8% of respondents), who face collateral constraints. Future research should explore longitudinal, sector-specific, and gender-focused impacts to enhance SME sustainability in peri-urban contexts like Mukono.Item THE IMPACT OF LEADERSHIP STYLES ON EMPLOYEE PERFORMANCE: A CASE STUDY OF CENTENARY BANK(UGANDA CHRISTIAN UNIVERSITY, 2025-10-10) NYIRARUKUNDO ANITHAThis study examined the impact of leadership styles on employee performance at Centenary Bank. The objectives of the research were to identify the different types of leadership employed, assess employee performance levels, and propose strategies to improve leadership practices and overall performance within the organization. The study adopted a cross-sectional research design, targeting a population of 120 employees across managers, supervisors, and subordinate staff, with a sample size of 92 determined using Krejcie and Morgan’s (1970) table. Stratified random sampling and simple random sampling techniques were employed to select respondents, while data were collected using structured questionnaires. Both primary and secondary data sources were utilized, with primary data capturing employee perceptions on leadership styles transformational, transactional, democratic, autocratic, and laissezfaire and their effects on performance. Data were analyzed using descriptive and inferential statistics, including frequencies, percentages, means, standard deviations, and correlation analysis, and results were presented through tables, charts, and graphs. Findings revealed that transformational, transactional, and democratic leadership styles were predominantly practiced, with transformational leadership having the most significant influence on employee motivation, teamwork, innovation, and overall performance. Autocratic leadership was moderately applied, while laissez-faire leadership was least practiced. The study further identified strategies to enhance leadership effectiveness, including regular leadership training, participatory decisionmaking, reward and recognition systems, open communication channels, and mentorship programs. The study concludes that effective leadership positively impacts employee performance and recommends that Centenary Bank strengthen leadership practices to foster a motivated, productive, and committed workforce. Future research is suggested on the role of organizational culture, employee motivation, and job satisfaction in shaping leadership effectiveness.Item THE EFFECTIVENESS OF INFLUENCER MARKETING IN PROMOTING ECOTOURISM IN UGANDA. A CASE STUDY OF BWINDI IMPENETRABLE NATIONAL PARK(Uganda Christian University, 2025-10-08) RUKUNDO PHILLIPInfluencer marketing has increasingly been used to shape travel decisions and promote ecotourism. In Uganda the Uganda tourism board has partnered with both local and international influencers to market Bwindi Impenetrable National Park, yet little evidence exists regarding the effectiveness of these campaigns. This study evaluated the role of influencer marketing in promoting ecotourism at Bwindi, with a focus on campaign strategies, content formats, audience engagement, and community impact. A qualitative cross-sectional design was used supported by descriptive statistics using interviews, focus groups discussions, social media content analysis and document reviews. Results show that local influencers such as Fabiola Anita, engaged domestic audiences while international influencers like Khalid al Almeri helped expand global visibility. Short form videos on tiktok and instagram have gained more engagement than the photos. Stakeholders reported modest increases in the inquiries and visitor arrivals during the campaign periods although weak tracking systems made it difficult to attribution to them to bookings. Communities around Bwindi have benefited from greater visibility and craft sales but expressed concerns about unequal advantages and the risk of over tourism. While influencer marketing effectively raises awareness and engagement it requires stronger tracking mechanisms, fair community involvement to maximize sustainable ecotourism outcomes in Uganda. The study examined the relationship between influencer marketing and tourism promotion in Bwindi impenetrable Forest. The objectives were to examine how influencer marketing is used to promote Bwindi, to examine the relationship between influencer campaigns and tourism, to identify the most effective influencer campaigns. The study used the social influencer and source credibility theories. A qualitative design was used to collect data from 24 tour operators. Findings revealed that influencer marketing is promoted through content on the online pages of the influencers. Influencers marketing improve tourism and short videos and reels are the most effective. In conclusion influencer marketing improves tourism. It’s recommended that influencers use short videos and reels as they are most effectiveItem Evaluating the Effectiveness of Digital Marketing Strategies on Consumer Behavior: A Case Study of SMES in Mukono Municipality(Uganda Christian University, 2025-06-16) NYAKABASA MUGISHO JOELThis study explored how digital marketing strategies influence consumer behavior among small and medium-sized enterprises (SMEs) in Mukono Municipality, a vibrant economic hub in Uganda. Through a descriptive survey of 52 respondents, including SME owners, consumers, marketing professionals, and local business associations, the research examines the adoption, challenges, and effectiveness of digital marketing tools. Findings reveal that 64.3% of SMEs actively use social media and email marketing to engage customers, fostering brand loyalty and driving sales. However, only 42.9% are confident in search engine optimization (SEO), reflecting knowledge gaps, while 57.1% value content marketing and online advertising for reaching target audiences. Key challenges include limited digital skills (65.7%), lack of access to technology (68.6%), high costs (64.3%), and resistance to moving away from traditional marketing (50%). To overcome these, SMEs prioritize staff training (78.6%), collaborating with marketing agencies (64.3%), and leveraging data analytics (71.4%) to create engaging content and targeted campaigns. By adopting these strategies, SMEs can enhance consumer engagement and improve financial performance in Mukono’s competitive, digital-first market. The study recommends affordable training programs, partnerships with experts, and the use of free analytics tools to help SMEs thrive online.Item FINANCIAL ACCESSIBILITY AND GROWTH OF SMES IN KAWEMPE DIVISION KAMPALA(UGANDA CHRISTIAN UNIVERSITY, 2025-09-25) NAMAYANJA ESTHERThe study's goal was to investigate the growth and financial accessibility of SMEs in Kampala's Kawempe Division. The following are the objectives guided the research: to ascertain the relationship between credit policy and SME growth in Kawempe division, to quantify the relationship between interest rates and SME growth in Kawempe division, and to ascertain the relationship between financial awareness and SME growth in Kawempe division. A cross-sectional survey research design was utilized in the research. To enable conclusions regarding the population of interest at a given point in time, the design involves data collection. The research established that there was a significant perception among SMEs that stringent credit conditions impede their growth opportunities. Key observations on how finances and financial management practices impact business performance can be made from analysis of answers on the relationship between interest rates and the growth of small and medium-sized enterprises (SMEs) in Kawempe Division. To help SME owners with a better grasp of financial management, financing mechanisms, and investment strategies, the study suggested introducing focused financial literacy programs. They may be in a better position to make sound decisions that drive business development in turn. It also recommended support for financial institution creation of accommodating credit policies that permit SME requirements. This includes reducing the collateral demands and offering diversified repayment terms that are in tune with small firm cash flow cycles.Item THE IMPACT OF ACCOUNTING INFORMATION ON INVESTOR CONFIDENCE IN UGANDA: A CASE STUDY CARRIED OUT IN NAMANVE INDUSTRIAL PARK(UGANDA CHRISTIAN UNIVERSITY, 2025-09-15) PEACE ESTHER NAMUGAYAThe main aim of the study was to establish the impact of accounting information on investor confidence, a case study that was carries on SME’s in Namanve Industrial Park.it was guided by the following objectives: to measure the extent to which accounting regulations contribute to maintaining investor confidence, assessing the impact of transparency in accounting information on investor decisions and evaluate the level of confidence investors place in audited accounting information. In the study, quantitative data was obtained with a total of 100 respondents including: SME owners, managers, investors and accountants. The findings reveal that opinions of accounting regulations, transparency and audits boost investor confidence. It was therefore concluded that accounting information affects investor confidence in Uganda.Item Impact of Working Capital Management on the profitability of Manufacturing firms(Uganda Christian University, 2025-09-24) Ignatius KadamaEffective management of working capital is crucial for the financial sustainability of manufacturing firms, particularly in developing economies where access to finance is limited. This study examined the impact of working capital management on the profitability of manufacturing companies in Nakawa Industrial Area Uganda. Specifically the study assessed the influence of cash management, inventory management, payables management on profitability. The research was motivated by persistent challenges faced by manufacturing firms, including liquidity constraints, rising operational costs, and declining profits margins, despite their strategic importance in industrial growth and employment creation. A descriptive and correlation research design was employed using both quantitative and qualitative approaches. Data were collected through questionnaires administered to 35 respondents of which 30 were successfully returned and 10 targeted interviews of which 7 were conducted. The data where analysed using descriptive statistics, correlation analysis and regression techniques. The findings revealed that efficient cash management and receivables management had a positive and significant effect on profitability while poor inventory management was associated with reduced returns. Regression analysis confirmed that working capital components jointly explained a substantial variation in profitability of firms in Nakawa Industrial Area. The study concludes that firms that optimize their working capital cycles are more likely to remain profitable and competitive.Item The Impact of FinTech in Financial Services.(Uganda Christian University, 2025-09-15) Night James PhebeThis study examined the Impact of Financial Technology (FinTech) on financial services in Mukono District, Uganda between 2016 and 2024. It explored how mobile money adoption, agent banking and internet penetration influence financial access, transaction efficiency, SME revenue growth and customer satisfaction. Using a mixed-methods design with 267 respondents, the study found that over 70% of previously unbanked individuals now use digital finance tools, saving time and money. SMEs reported improved sales and cash flow. Despite benefits, challenges like fraud, poor digital literacy and limited rural connectivity persist. The study concludes that FinTech significantly enhances financial inclusion in Mukono and recommends stronger policies, consumer education and innovation to sustain progress. Key words: FinTech, Mobile Money, Agent Banking, Financial Inclusion, Mukono, UgandaItem THE IMPACT OF CUSTOMER SERVICE QUALITY ON BANK CUSTOMER RETENTION: A CASE STUDY OF PRIDE BANK MBALE(Uganda Christian University, 2025-09-15) INGRID LEAH KIMONOThis study explores the impact of customer service quality on bank customer retention at Pride Bank Mbale. In today’s competitive financial sector, banks increasingly rely on the quality of service they provide as a key differentiator in maintaining loyal customers. The research is guided by three objectives, to asses the impact of service quality on customer retention, to examine the relationship between service quality retention and to investigate how responsiveness in service delivery influences customer loyalty. A case study design is adopted focusing exclusively on Pride Bank Mbale. Data were collected from 43 respondents using questionnaires supported by secondary sources and analyzed through descriptive statistics and correlation analysis. This approach provided both numerical insights and interpretive depth making it possible to link customer service to customer retention outcomes. The findings revealed that customer service quality plays a vital role in shaping customer perceptions and influencing their decision to remain with the Bank. Specifically, responsiveness, timely handling of inquiries and complaints and personalized attention emerged as strong drivers of retention. Correlation results showed a positive and significant relationship between service quality and customer loyalty, suggesting that improvements in service delivery directly enhance retention levels. However, the study also noted that reliance on a single case study limits generalizibility, as the findings may not fully reflect dynamics in other banks or contexts. In conclusion, the research demonstrates that customer service quality is not merely a support function but a strategic tool for sustaining long term relationships with clients. The study recommends that Pride Bank Mbale continue to invest in staff training, enhance complaint handling mechanisms and prioritize responsiveness in order to strengthen customer trust and loyalty. These lessons hold broader implications for the Ugandan banking sector where competition continues to intensify and retaining existing customers is more cost effective than acquiring new ones.