Behavioural Change, Sustainable Livelihood and Financial Inclusion. A Case of Persons with Disabilities in Eastern Uganda.
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Date
2025-05-15
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Makerere University Business School
Abstract
This research aimed to explore the connections between behavioral change dynamics, sustainable livelihood strategies, and financial Inclusion for persons with disabilities (PWDs) in Eastern Uganda. The investigation centered on three primary objectives: firstly, to determine the link between behavioral change and financial inclusion for disabled persons; secondly, to ascertain the relationship between sustainable livelihood and this group’s financial inclusion; and thirdly, to assess the degree to which behavioral change and sustainable livelihood can predict financial inclusion among people with disabilities. A cross-sectional quantitative technique was used in the study. A combination of simple random, stratified random, and multistage sampling techniques were used to select 384 individuals from Eastern Uganda. A self-administered questionnaire with an emphasis on financial inclusion, sustainable livelihood, and behavioral change for people with disabilities was utilized to collect data. The survey garnered 306 completed questionnaires, achieving a 79.69% response rate from individuals with disabilities. The research findings revealed robust positive correlations between financial inclusion and both behavioral change and sustainable livelihood for individuals with disabilities. Moreover, the study established that behavioral change and sustainable livelihood were key factors in predicting financial inclusion among disabled persons, with an adjusted R square of 50.3%. Based on these results, several suggestions were proposed regarding how businesses, policymakers, and governments could create more inclusive opportunities for people with disabilities. This could be most effectively achieved by integrating vulnerable persons into the financial formal sector, thereby promoting financial inclusion. Conclusion of the study was that, to ensure financial inclusion for disabled people, it is crucial to focus on behavioral change and sustainable livelihood.
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This is a master's thesis.
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Citation
Nabirye, I. (2025) Behavioural Change, Sustainable Livelihood and Financial Inclusion. A Case of Persons with Disabilities in Eastern Uganda. (unpublished master's dissertation). Makerere University Business School, Kampala, Uganda.