Thesis & Dissertations(Doctoral & Master)
Permanent URI for this collection
Browse
Recent Submissions
Now showing 1 - 5 of 7
- ItemAn Assessment of Mobile Banking Adoption by customers of Ugafode Microfinance Limited (MDI)(MUBS, 2019-11-28) Lwanga Ronald WilliamsTechnological advancements in the financial services sector have led to significant changes in the banking behavior. Mobile banking (m-banking) is an innovative product that has been advanced as way to reduce and manage banking affairs efficiently. Understanding the primary determinants ofm-banking adoption by customers is significant for banks, financial institutions and other users. This study is aimed at determining the factors affecting mobile banking adoption and usage by customers at UGAFODE Microfinance Ltd (MDI). The research was guided by three research questions: What are the factors that encourage adoption of mobile banking by customers? What are the challenges hindering the adoption of mobile banking in UGAFODE Microfinance Limited (MDI) and what strategies should be adopted to improve the adoption of mobile banking at UGAFODE Microfinance Limited? The study employed a quantitative design. 174 questionnaires were distributed to UGAFODE customers registered on mobile banking ranging from those who are active to non-active customers. Primary data was collected by administering questionnaires to the respondents who arc customers. Statistical tools like Excel and Statistical Package for Social Scientists (SPSS) software were used to analyze the data and draw conclusions. Data analyzed was presented 1n form of tables. From the 174 questionnaires that where distributed 173 were successfully returned. Each variable \\ as measured using 5-point Liken-scale. The results suggested that Perceived risk, Trust, perceived usefulness, Perceived ease of use are the determining factors that influence customer's ability to adopt mobile banking. From the findings. it is recommended from the findings that UGAFODE Microfinance Limited strengthen security and privacy on the mobile banking platform to improve their confidence levels to adopt and use of mobile banking. In addition, the institution should put in place training mechanisms for customers on how to use the mobile banking service. Lastly, UGAFODE should provide for customers about the products and services to empower staff in terms of the product knowledge.
- ItemFinancial Literacy, Efficiency of Market Intermediaries and Retail Investor Participation in Government Securities in Kampala.(2023) Namaganda, SusanThe study aimed at establishing the relationship between financial literacy, efficiency of market intermediaries and retail investor participation in government securities in Kampala. The study employed a quantitative study research design using simple random sampling and a sample size of 242 out of 650 investors. Data were collected using self-administered questionnaires to collect data from the respondents. The study targeted 242 investors and firms and managed to acquire 174 representing a 71.9% response rate. The results revealed significant positive relationships between, financial literacy and retail investor participation, efficiency of market intermediaries and retail investor participation, financial literacy, efficiency of market intermediaries and retail investor participation in government securities. In addition, results revealed that financial literacy is a significant predictor of a retail investor participation in government securities in Kampala. The study recommends that the government should increase on the number of literacy programs through the Central Bank, Ministry of Finance by conducting massive campaigns across all major cities and the rural towns. To execute these educational programs, they will need help from Market Intermediaries who are knowledgeable hence the need to license more players through the Capital Markets Authority to be able to serve the big masses. With this plan the retail that is the ordinary Ugandan will be part of nation building as they will have their money invested with the government for a return and the government will be able to deliver the services they need. So, it’s a win- win scenario for both parties.
- ItemE-Learning Adaptability, Learning Environment and Student's Learning Productivity in Selected Universities(Makerere University Business School, 2023) Kuteesa, ChristineThe purpose of this research is to investigate the influence of e-learning adaptability and learning environment to students’ learning productivity in universities. The research problem was that in Uganda the productivity of students has reduced more especially in the Covid 19 pandemic period. This is more evident with the students of Master of Science in Accounting and Finance. Hence the research objectives were: to examine the influence of E-learning adaptability on students’ learning productivity, to examine the influence of learning environment on students’ learning productivity and to examine the mediating effect of learning environment in the relationship between E-learning adaptability and students’ learning productivity. The researcher used a cross-sectional quantitative survey design. The total population was 109 students from which a sample of 85 students was used. They were selected by simple random sampling. A questionnaire was used to collect data. The correlation results indicate that e learning and students’ learning productivity are significantly correlated (r = .827*, p<.01), learning environment and students’ learning productivity are significantly correlated (r = .863*, p<.01). The results also show that the independent variables can predict 78.2 percent of the variance in student’s learning productivity (Adjusted R Square = .782). More to that, learning environment significantly though partially mediates in the relationship between E-learning adaptability and students’ learning productivity. On that basis it was recommended that educational institutions and stakeholders should prioritize creating adaptive and supportive learning environments, investing in technological infrastructure, and psychological well-being, continuously evaluating and improving E-learning platforms, providing comprehensive training and support for e-learning tools, and offering diverse learning materials and tools to cater to the various needs and preferences of students, thereby enhancing overall learning productivity.
- ItemFinancing of Real Estate Investments.(2023) Matsiko, IsaacThis study was about assessing the impact of financing real estate investment within Stanbic Bank. The study was initiated as a result of the over-accumulation of non-performing loan assets within the bank related to real estate investment financing. To get to the bottom of the problem research was initiated with the following specific objectives which were i) to examine the financing practices of real estate investment within Stanbic Bank Uganda, ii) to assess the challenges of financing real estate investments by Stanbic Bank Uganda and iii) To identify strategies of improving real estate investments financing by Stanbic bank Uganda. To achieve the above objectives a sample of employees from the Stanbic bank credit section was used. These constituted both lower and top-level managers in the bank. Out of the 103 administered, 90 questionnaires were successfully filled and returned and 13 were not filled, implying a response rate of 87.4%. Questionnaires and interview guides were administered in addition to 7 interviews conducted. A cross-sectional research design was employed and it included respondents in two categories level and managers. On the practices, it was established that the bank offered specialized credit targeting real estate investments, and land acquisition loans, provided both residential and commercial mortgage. Besides that, they offered construction finance to real estate investment firms and formed partnerships with real estate investment firms. The challenges facing banks in financing real estate investments, included inadequate collateral, high levels of non-performing assets, and failure to attend to other non-real estate investments by the bank because of concentrating on real estate financing. The solutions operating under a sound credit-granting process; maintaining an appropriate credit administration, measurement and monitoring process; and ensuring adequate controls over credit risk were identified. Based on the findings it was recommended that the bank management should review its credit policy and establish a specialized real estate investment portfolio.
- ItemSaving Culture, Social Networking and Growth of Saccos in Selected Districts in West Nile-Uganda(Makerere University Business School, 2024) Juru, SuzanThe study sought to establish the relationship between saving culture, social networking and growth of Saccos in selected districts in West Nile – Uganda. The study adopted a cross-sectional and correlation quantitative design using a sample size of 226 SACCOs. The units of inquiry were the SACCO manager and SACCO finance manager translating into 452 respondents. The data was tested for reliability and validity, then analyzed using SPSS, and the results were presented based on the study objectives. The correlation coefficient analysis revealed positive relationship between savings culture and growth, and a positive relationship between social networking and growth of SACCOs . Further more, the multiple regression analysis shows that both savings culture and social networking explain 56.2% of the variations in the growth of SACCOs. Therefore, management of the SACCOs in West Nile should ensure that they design programs that encourage their members to save, so as to increase the deposits with the SACCOs which lead to a better financial wellbeing of the SACCOs. In addition, SACCOs should also intensify their endeavours of improving the financial literacy of members. Lastly, there is need for the SACCO managers to come up with practices that foster social networking among the members of the SACCOs.