INSTITUTIONAL INNOVATIONS AND FINANCIAL INCLUSION AMONG RURAL HOUSEHOLDS IN UGANDA,

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dc.contributor.authormoses Agaba
dc.date.accessioned2024-04-09T08:40:08Z
dc.date.available2024-04-09T08:40:08Z
dc.date.issued2024-03-03
dc.description.abstractThis study was carried out to ascertain the impact of institutional innovations by commercial banks on financial inclusion in the Kabale district. The specific goal was to ascertain the relationship between institutional innovations and financial inclusion, among rural households. The study used both descriptive and cross-sectional research designs combined qualitative and quantitative methods for data collecting and analysis. Using questionnaires and interviews, data was gathered from a sample of 396 respondents as well as additional important informants. Microsoft EXCEL and SPSS Version 21.0 were used to analyze the data and produce both descriptive and inferential statistics. The study also found a correlation between institutional innovations and financial inclusion, including interbank funds transfer systems (rs = 0.683, p= 0.002), partnerships with different financial intermediaries (rs = 0.288, p= 0.004), legal frameworks (rs = 0.878, p= 0.001), and liquidity availability (rs = 0.956, p= 0.000). The study's findings support the statistically significant link between commercial banks' institutional innovations and rural families' access to credit. As more clients choose mobile banking, the report advises banking institutions to develop measures to improve security in the platform. The report also advises making these platforms straightforward and simple to use in order to attract more users to the business. Additionally, because mobile banking has an impact on financial inclusion, banks should make sure to support mobile banking services by incorporating mobile phone usage as one of their innovations.
dc.description.sponsorshipKABALE UNIVERSITY
dc.identifier.issn2320-9186
dc.identifier.urihttp://hdl.handle.net/20.500.12493/1969
dc.language.isoen
dc.publisherGlobal scientific Journals
dc.subjectInstitutional Innovation
dc.subjectFinancial Innovations
dc.subjectFinancial Inclusion
dc.subjectCommercial Banks.
dc.titleINSTITUTIONAL INNOVATIONS AND FINANCIAL INCLUSION AMONG RURAL HOUSEHOLDS IN UGANDA,
dc.typeArticle

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