Operational Efficiency and Financial Resilience Among Financial Institutions in Uganda.

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dc.contributor.authorNabakiibi Halima
dc.date.accessioned2026-07-10T08:19:37Z
dc.date.available2026-07-10T08:19:37Z
dc.date.issued2021-11-23
dc.descriptionThis is a master's thesis.
dc.description.abstractOperational efficiency requires a right combination of people, process and technology. However, despite continuing attempts, financial resilience continues to be a challenge among Financial Institutions in Uganda as financial resilience in the banks is still a moving target. The purpose of this study was to examine the relationship between operational efficiency and financial resilience in financial institutions in Uganda. The study adopted a cross-sectional design using a quantitative approach using a sample of 48 financial institutions selected by stratified random sampling. Primary data was obtained from self-administered questionnaires. The content validity index was above the minimum of 0.7 hence making the tool valid. Cronbach’s Alpha values were all above 0.7 making the tool reliable. The Statistical Package for Social Scientists (SPSS) was used for data processing. The study found significant positive relationship between people efficiency, process efficiency, technology efficiency and asset utilization efficiency with financial resilience, with all the variables explaining 62.5% of the variance in financial resilience. Asset utilization Efficiency were the most significant predictors of financial resilience. The study concludes that financial institutions that have integrated people efficiency in their operations are likely to achieve better financial resilience. Financial institutions that strive to improve process efficiencies will achieve better financial resilience. Improvements in technology efficiency in financial institutions are likely to be associated with better financial resilience. All financial institutions are desirous to attain financial resilience, however, achieving this requires streamlining and gaining efficiency in the people, process, and technology and assets utilization. The study recommends that financial institutions should carry out research and feasibility studies to determine how best to reduce the cost of banking technologies; there should always be system audits to ensure that there are no errors in the transaction processes; ensure that clients know where to find the technologies and or platforms they need to use to have all the services delivered to them; should ensure that they reduce the time within which clients pay the money due; to invest wisely to reduce the amount of money tied in assets which do not generate cash flow
dc.description.sponsorshipDr. Gideon Nkurunzinza, (PhD) (Makerere University Business School) & Ms. Geofrey Nkuntu, (Makerere University Business School)
dc.identifier.citationNabakiibi, H. (2021) Operational Efficiency and Financial Resilience Among Financial Institutions in Uganda. (unpublished master's dissertation). Makerere University Business School, Kampala, Uganda.
dc.identifier.urihttp://hdl.handle.net/20.500.12282/5787
dc.language.isoen
dc.publisherMakerere University Business School
dc.rightsAttribution-NonCommercial-NoDerivs 3.0 United Statesen
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/us/
dc.titleOperational Efficiency and Financial Resilience Among Financial Institutions in Uganda.
dc.typeThesis
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