Financial Inclusion, Resource Utilization, and Commercialization of Small-Scale Farms in Kagadi District.

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dc.contributor.authorKanyago, Darlyne Angel
dc.date.accessioned2026-07-08T09:41:05Z
dc.date.available2026-07-08T09:41:05Z
dc.date.issued2025-11-27
dc.descriptionThis is a master's thesis.
dc.description.abstractThis study examined the relationship between financial inclusion, resource utilization, and the commercialization of small-scale farms in Kagadi District, Uganda. The research was motivated by the observation that, despite increased efforts to extend financial services to rural farmers, the transition of small-scale farms into commercially viable enterprises remains limited. The study sought to understand how financial inclusion affects commercialization, the role of resource utilization in this relationship, and whether resource utilization serves as a mediating factor. Specifically, the objectives were to: assess the relationship between financial inclusion and commercialization; evaluate how resource utilization impacts commercialization; and determine whether resource utilization mediates the effect of financial inclusion on commercialization. A cross-sectional survey design was adopted, using a quantitative approach to collect and analyze data. The target population consisted of 3,500 small-scale farmers in Kagadi District, as obtained from the Kagadi District Farmers’ Association, from which a sample of 346 respondents was drawn using random sampling. Data was collected through self-administered questionnaires, structured around the study variables and measured using a five-point Likert scale. The findings revealed strong, statistically significant relationships among the key variables. Financial inclusion had a strong positive correlation with commercialization (r = 0.748, p < 0.01), and resource utilization also showed a significant positive correlation with commercialization (r = 0.714, p < 0.01). Financial inclusion was positively associated with resource utilization (r = 0.779, p < 0.01). Regression analysis showed that financial inclusion significantly predicted commercialization (β = 0.748, p < 0.01), while resource utilization also emerged as a significant predictor (β = 0.714, p < 0.01). Mediation analysis confirmed that resource utilization partially mediated the relationship between financial inclusion and commercialization, with a significant indirect effect (β = 0.222, Sobel z = 3.9727, p < 0.001). The study recommends that financial institutions collaboratewith agricultural extension officers to integrate financial services with practical guidance on resource use. Additionally, locally adapted financial literacy programs should be designed to help farmers apply credit effectively. Policy efforts should focus on strengthening both access to finance and support for sustainable, efficient farming practices to achieve meaningful commercialization outcomes in smallholder agriculture.
dc.description.sponsorshipDr. Tindiwensi Catherine (Makerere University Business School) & Ms. Kyejjusa sarah (Makerere University Business School)
dc.identifier.citationKanyango, D. A. (2025). Financial Inclusion, Resource Utilization and Commercialization of Small-Scale Farms in Kagadi District. (Unpublished master’s dissertation). Makerere University Business School, Kampala, Uganda.
dc.identifier.urihttp://hdl.handle.net/20.500.12282/5705
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.titleFinancial Inclusion, Resource Utilization, and Commercialization of Small-Scale Farms in Kagadi District.
dc.title.alternativeFinancial Inclusion, Resource Utilization and Commercialization of Small-Scale Farms in Kagadi District.
dc.typeThesis
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