Victoria Nabulya2026-06-172026-06-172026-05-04https://hdl.handle.net/20.500.12311/3350UndergraduateIn this study, the variables affecting household savings behaviour of adults in Uganda were analyzed using the findings of the nationally representative Fin Scope Uganda 2023 survey. Saving is critical in enhancing financial stability in a household and ensuring smooth consumption in the present and saving for the future such as education costs, health care, and emergencies. Despite efforts by the government to promote financial inclusion through the provision of financial services and mobile money services, there are still instances of inconsistent saving behaviours among households in Uganda. This study employed a quantitative cross-sectional research approach, using secondary data that were drawn from 3,176 adult respondents in the entire country. The data collected on the respondents' demographics, saving habits, and other independent variables were described using descriptive statistics. The binary logistic regression analysis was employed to determine the impact of the above mentioned independent variables on savings. The results indicate that while saving is widely practiced by adult Ugandans, it occurs informally through means like Village Savings and Loans Associations (VSLAs), mobile money wallets, SACCOS, and savings at home and not formally through commercial banks. It was determined that socio-demographic characteristics had the greatest predictive power for savings behaviour. Women, younger people, and those from rural areas had a greater likelihood of saving when compared to men, elderly individuals, and people from urban areas. However, income stability was not found to affect savings significantly, which means that even people with fluctuating income streams are capable of saving using informal methods. However, surprisingly, increased levels of financial literacy were related to decreased levels of saving. It is found that the behaviour of savings within households in Uganda is mainly driven by the socio-demographic and situational aspects of households rather than income stability or financial literacy. In view of the above results, it is suggested that more emphasis should be placed on promoting community-based savings groups, providing relevant practical education, and designing saving products suitable for low and unstable income households.enDissertation