Joanna Kirabo2026-04-212026-04-212026-04-14https://hdl.handle.net/20.500.12311/3244undergraduateThis 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.enDissertation