Browsing by Author "Achola Stella"

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    Financial Technologies, Service Quality, Delivery of The Financial Sector, And Financial Inclusion.(Case Study, Bukedea District)
    (Makerere University Business School, 2024-07-15) Achola Stella
    This dissertation examines the interplay between financial technologies (fintech) usage, service quality delivery in the financial sector, and financial inclusion among marginalized groups in Bukedea District, Uganda. Despite national progress in financial inclusion through mobile money and policy initiatives like the Parish Development Model, rural areas such as Bukedea face persistent barriers, with only 7% of the population banked and overall inclusion at 34%—lower than in neighbouring countries. The study adopts a cross-sectional mixed-methods design, collecting primary data via structured questionnaires and semi-structured interviews from a stratified random sample of 186 beneficiaries (vulnerable women, persons with disabilities, and people living with HIV/AIDS) of the Office of the Prime Minister’s Household Income Support projects. Data were analysed using descriptive statistics, Pearson correlations, multiple regression in SPSS, and thematic qualitative analysis. Quantitative results reveal strong positive relationships: fintech usage and financial inclusion (r = 0.593, p < 0.01), service quality and financial inclusion (r = 0.549, p < 0.01). The regression model explains 46.9% of the variance in financial inclusion (Adjusted R² = 0.469), with fintech (β = 0.449) and service quality (β = 0.379) as significant predictors (both p < 0.01). Qualitative findings highlight barriers, including low financial literacy, geographical isolation, mistrust, gender disparities, and poor infrastructure, alongside the supportive role of community organizations. The study concludes that integrated fintech adoption and enhanced service quality are critical for advancing financial inclusion in marginalized rural contexts. It recommends targeted financial literacy programs, infrastructure improvements, and stakeholder collaboration to inform policy and practice in Uganda and similar settings. [AI-generated Abstract]