Mobile Money Services and Financial Inclusion in Nakisunga Sub-county, Mukono District
| dc.contributor.author | Joseph Otile | |
| dc.date.accessioned | 2026-04-07T08:30:07Z | |
| dc.date.available | 2026-04-07T08:30:07Z | |
| dc.date.issued | 2026-04-01 | |
| dc.description | Undergraduate research | |
| dc.description.abstract | The purpose of the study was to assess the impact of mobile money services on financial inclusion among rural households in Nakisunga Sub-County, Mukono District. The study was guided by the following objectives to examine the effect of mobile money transfer on financial inclusion in Nakisunga Sub-County, Mukono District,to examine effect of mobile money credit on financial inclusion indicators in Nakisunga Sub-County and to assess the effect of mobile money.The study employed a mixed-methods research design with a predominant quantitative approach complemented by qualitative insights. The quantitative component used a cross-sectional survey to collect data at one point in time, while the qualitative one deposits on financial inclusion in Nakisunga Sub-County.The study revealed that the three mobile money service dimensions together explained 58.4% of the variance in financial inclusion (R² = .584, F = 58.512, p < .001). All three predictors were significant, confirming that mobile money services are major drivers of financial inclusion in Nakisunga Sub-County. It was concluded that mobile money transfers have a significant and positive effect on the financial inclusion of people in Nakisunga Sub-County. This service has changed the face of money transfers in rural areas, as people are able to receive money quickly from their family members who are working in urban areas, access government money conveniently, and buy farm inputs on time. This study concludes that mobile money deposits have a significant positive effect on financial inclusion in Nakisunga Sub-County. The convenience of accessing one’s savings at anytime, the ability to save for certain purposes like buying farm inputs, and the availability of saved resources in emergency cases are highly valued among the respondents. Mobile money has helped in saving money for the population with limited alternatives. However, the depth of savings is limited in many ways. The study recommended that the Mobile operators should invest in innovative solutions to resolve the liquidity challenges facing the agents in the rural areas. This can be achieved through the provision of mobile cash vans that will be sent to the rural areas on scheduled days, just like the mobile bank branches. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.12311/3215 | |
| dc.language.iso | en | |
| dc.publisher | Uganda Christian University | |
| dc.title | Mobile Money Services and Financial Inclusion in Nakisunga Sub-county, Mukono District | |
| dc.type | Thesis |