KAB-DR :: Browsing by Author "Eton, Marus"

Browsing by Author "Eton, Marus"

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Access to finance and women entrepreneurship development in the Kigezi subregion, Uganda
(Routledge Taylor & Francis group, 2022) Eton, Marus; Dianah, Nkamusiima
Women entrepreneurs are challenged by access to finance in their quest to start any entrepreneurial activity. Global business failures have not spared women entrepreneurs; hence, this study is very significant, as it may direct the path to new business venture creation by women entrepreneurs. The provision of financial support to a business enterprise does not guarantee its success or growth. The study explored the role access to finance plays in entrepreneurship development, the strategies that stimulate women’s entrepreneurship, and the relationship between access to finance and entrepreneurship development. We used beta coefficients to quantify the effects of access to finance on entrepreneurship development. The findings revealed that women entrepreneurs find it difficult to access cheap and adequate financial services. The study recommends increased funding, development of good policies, and entrepreneurship training and education for women-owned businesses in order to strengthen women’s entrepreneurship development.
Are internal controls important in financial accountability? (Evidence from Lira District Local Government, Uganda)
(International Journal of Financial, Accounting, and Management (IJFAM), 2022) Eton, Marus; Fabian, Mwosi; Benard, Patrick Ogwel
Purpose: The study examined the importance of internal control systems in financial accountability in Lira District Local Government, Uganda. Specifically, the study determined the importance of control activities, control environment, and monitoring of controls on financial accountability. Research methodology: A correlational design to establish the relationships between internal control systems and financial accountability, and regression analysis to explain the importance of internal controls on financial accountability were adopted. Results: Internal control systems account for 55.4% of the variations in financial accountability. Specifically, control environment and monitoring controls bear significant effects on financial accountability while control activities do not. Contribution: This is one of the original studies to assess Lira District Local Government. The study validates the contingent theory and extends its application in public administration. Limitations: The input of stakeholders from the community was ignored. Future researchers should consider investigating the role of community participation on the performance of district local governments in Uganda.
Brand Awareness and Competitive Advantage among Beer Products in Kabale District, South Western Uganda
(International Journal of Multidisciplinary and Current Educational Research, 2019) Moses, Agaba; Eliab Mpora, Byamukama; Eton, Marus
In the current business environment firms are required to be more competitive and hostile. Brand Awareness is regarded as a very important concept in business because business organizations can use it to gain competitive advantage. Competitive advantage has been approached by looking at the external environment of the firm that is how the economic power of firms can be used to create competitive position in an industry. This study focuses on Resource Based View a model that provides a framework for identifying unique set of resources and this perspective shifts the approach of assessing competitive advantage from the external to the internal environment that is the resource power. This study, therefore, set out to determine the effect of brand awarenes on competitive advantage in beer products in Kabale district. The specific objective of the study was to (i) To determine the effect of brand awareness on competitive advantage in alcoholic beer products in Kabale district. The study used a descriptive survey research design. The target population was 1783 including wholesalers, retailers, customers and brand and marketing managers of Nile Special Lager, Eagle Lager, Senator Extra Lager, club and Bell beer products in the District of Kabale, South Western Uganda. Multistage sampling techniques were used in this study. Simple random sampling technique was used to select alcoholic beverages products and producers. Purposive sampling technique was adopted to sample shopping center to collect consumer information. Shopping centers were selected based on a marketing investigation. Primary data were used and collected using questionnaires. The descriptive analysis involving computing the mean, standard deviation, skewness, and kurtosis of the brand equity and competitive advantage variables, the inferential analysis was conducted using multiple regression analysis and the t-statistic and the p-value were adopted to test the hypotheses of the study. The study used the Statistical Package for Social Sciences (SPSS) as a tool to process and analyse data. The findings show that there is significant effect of brand awareness on competitive advantage. This research concludes that it is only when brand awareness is high it has a greater effect on competitive advantage in alcoholic beer products in Kabale district south. The study recommends that beer producers and brand managers should prioritize brand awareness constructs as their strategy to attract potential customers because it does show significant effect on competitive advantage. The study further recommends that beer producers should enhance their efforts to build brand awareness in order to achieve competitive advantage.The findings of this research provide knowledge on building and sustaining firm’s competitive advantange by deploying brand awareness as an intagible critical resource from customer point of view with specific implications for developing cost cutting marketing strategies to maintain firm’ competitive position in Kabale district, South Western Uganda
Brand Awareness and Competitive Advantage among Beer Products in Kabale District, South Western Uganda
(International Journal of Multidisciplinary and Current Educational Research, 2019) Moses, Agaba; Eliab Mpora, Byamukama; Eton, Marus
In the current business environment firms are required to be more competitive and hostile. Brand Awareness is regarded as a very important concept in business because business organizations can use it to gain competitive advantage. Competitive advantage has been approached by looking at the external environment of the firm that is how the economic power of firms can be used to create competitive position in an industry. This study focuses on Resource Based View a model that provides a framework for identifying unique set of resources and this perspective shifts the approach of assessing competitive advantage from the external to the internal environment that is the resource power. This study, therefore, set out to determine the effect of brand awarenes on competitive advantage in beer products in Kabale district. The specific objective of the study was to (i) To determine the effect of brand awareness on competitive advantage in alcoholic beer products in Kabale district. The study used a descriptive survey research design. The target population was 1783 including wholesalers, retailers, customers and brand and marketing managers of Nile Special Lager, Eagle Lager, Senator Extra Lager, club and Bell beer products in the District of Kabale, South Western Uganda. Multistage sampling techniques were used in this study. Simple random sampling technique was used to select alcoholic beverages products and producers. Purposive sampling technique was adopted to sample shopping center to collect consumer information. Shopping centers were selected based on a marketing investigation. Primary data were used and collected using questionnaires. The descriptive analysis involving computing the mean, standard deviation, skewness, and kurtosis of the brand equity and competitive advantage variables, the inferential analysis was conducted using multiple regression analysis and the t-statistic and the p-value were adopted to test the hypotheses of the study. The study used the Statistical Package for Social Sciences (SPSS) as a tool to process and analyse data. The findings show that there is significant effect of brand awareness on competitive advantage. This research concludes that it is only when brand awareness is high it has a greater effect on competitive advantage in alcoholic beer products in Kabale district south. The study recommends that beer producers and brand managers should prioritize brand awareness constructs as their strategy to attract potential customers because it does show significant effect on competitive advantage. The study further recommends that beer producers should enhance their efforts to build brand awareness in order to achieve competitive advantage.The findings of this research provide knowledge on building and sustaining firm’s competitive advantange by deploying brand awareness as an intagible critical resource from customer point of view with specific implications for developing cost cutting marketing strategies to maintain firm’ competitive position in Kabale district, South Western Uganda.
Budget implementations in Local Governments in Uganda; Reflections from Kiruhura and Mbarara.
(Kabale University, 2023) Eton, Marus; Sunday, Arthur; Nkamusiima, Dianah
Purpose: This study focused on the extent of budget implementation in selected local governments in Uganda, focusing on the governance principles of budget implementation, which included participation, transparency, accountability, and gender equity. Research methodology: The research design used was descriptive and analytical to allow for a comprehensive description of budget implementation in the local governments of reference. Data were collected using a structured questionnaire and interview guide. The participants were chosen purposively because they were conversant with the variables under study. Results: The study findings indicated that budget participation increasingly varies from one local government to another due to the low level of awareness among less-educated citizens. There was also a reduction in revenues, a failure of the budget to meet citizens’ needs, and the lack of sufficient time to implement the budget variedly affected budget implementation. Limitations: The study was conducted in only two districts and one city in western Uganda, and their findings make it difficult to generalize the findings. Contribution: This study provides a solid basis for advocating more observation of good governance principles in budget implementation. The study showed that budgeting is a collective responsibility for all, and therefore, transparency and participation are important. It provides valuable insights into budget implementation challenges in Uganda and proposes a workable strategy to respond to the challenges established. It also adds literature on the role of governance, transparency, and participation in budget implementation.
Cash Budgeting and Organizational Performance of Private Firms in Uganda: A Case of Kabale District, Western Uganda
(International Journal of Management and Commerce Innovations, 2018) Eton, Marus; Fabian, Mwosi; Benard, Patrick Ogwel
Cash budgeting should ensure that organizational expenditures match planned cash flows. The study sought to examine the role of Cash budgeting in improving organizational performance of private business firms in Uganda. The study adopted a correlation, descriptive and analytical design, with both quantitative and qualitative approaches being used. Data was collected by use of questionnaires which was self administered. A sample of 115 was chosen, the findings indicated the correlation between cashing budgeting and organizational performance (r = .638) which showed a strong association between the two variables. In addition (Adjusted R Square = .402) indicated that cash budget in the institutions investigated influences about 40.2% of the entire organizational performance. The findings also indicate that cash budgeting stabilizes profitability levels, ensures that organizational expenditures are kept in line with planned cash flows, which also enhances the capacity to predict the likelihood of excess cash. The study recommended that business organizations should focus on profitability levels more than struggling to meet their financial obligations. Performing organizations should establish sound liquidity management practices and should endeavor to employ strategic plans in realizing organizational objectives.
Cash Management and Financial Performance of Business Firms in Northern Uganda a Case of Lira District
(The International Journal of Business Management and Technology, 2019) Eton, Marus; Gilbert, Uwonda; Fabian, Mwosi; Benard, Patrick Ogwel; Dennis, Obote
The study sought to establish the effect of cash management on financial performance of business entities in Lira district. A cross sectional study design was adopted and data was collected by use of structured and closed ended questionnaire. Business owners who took part in the study confirmed high abilities in managing cash receivable, holding inventories and properly generating sufficient cash for meeting immediate obligations. However, the study found that the aforementioned practices were not sustainable with time due to incompetence in forecasting receipts and payments. This led to a conclusion that cash management has an insignificant effect on financial performance. The study recommended that Business associations like Uganda Chamber of Commerce, Uganda Manufacturers Association, in addition to Ministry of Trade and Commerce should consider providing trainings on cash management to existing and upcoming entrepreneurs to support them in developing cash management and other necessary business skills. There is also need for business owners to consider hiring business experts who can use different statistical models to forecast business performance.
Co-operative and saving societies (SACCOS) and poverty reduction in Lango and Kigezi sub-regions of Uganda: A comparative empirical study
(African Journal of Business Management, 2020) Eton, Marus; BC, Basheka; Fabian, Mwosi
The paper examines the contributions of co-operative and saving societies in poverty reduction in Lango and Kigezi sub-region. The study adopted a comparative and cross-sectional survey design where bivariate and multivariate data analyses were used to analyze the data. Specifically, correlation and regression analysis were done to determine the relationship between financial contribution by savings and credit co-operative (SACCOS), saving culture and poverty reduction. The findings established that low-income households had inadequate access to cheap and affordable credit. In the two regions, the available credits offered by SACCOS were not cheap per say and the SACCOS offered credit at 10% per month, which translated into 120% per annum. The study reveals that microcredits create long-term indebtedness among the rural poor, and yet households are not competent in managing their finances. The saving culture in Kigezi sub-region is associated with political motivations and support from politicians. In contrast, in Lango sub-region, saving culture is associated with response to government programs that were aimed at reconstructing northern Uganda after the two decades of insurgency. The provision of more financial services would contribute to poverty reduction and training of households on the utilization of financial credit.
Community management and sustainability of Gravity water flow scheme in Uganda, A Case of Rubanda District.
(International Journal of Social Science and Humanities Research, 2020) David, Otika; Fabian, Mwosi; Eton, Marus; Benard, Patrick Ogwel; Godfrey, Barigye
The study investigated community management and sustainability of gravity water flow scheme in Rubanda district, Uganda. The study adopted a cross sectional survey and descriptive research design. A descriptive research design was helpful in establishing how community management is essential in ensuring sustainability of the gravity water flow schemes in Rubanda. Both quantitative and qualitative approaches were employed in collecting and analyzing data, which was collected in a snapshot interaction between the researcher and field respondents. The study applied convenient sampling technique to select water users and water committee members. The study established that Community management appeared very insignificant in contributing to sustainability of gravity flow schemes. Efforts to incorporate gender in sustainability have yielded almost nothing. The government does not have adequate staffing to provide repairs and maintenance of rural water , the communities are able to mobilize funds for repairs and maintenance of water facilities but are not good at attracting external funding. The study recommends that Government, through its water and sanitation department at the district level should consider employing technical staff in water management to provide standby services to rural water communities. Community leadership should consider involvement of women in water management, as they are the most important users of the water facilities. Government, NGOs and private sector should train communities in fundraising, proposal writing so as to attract external funding for supporting sustainability of water facilities.
Corporate governance and firm’s financial performance amongst private business enterprises in Uganda, a perspective from Lira City
(African Journal of Business Management, 2021) Eton, Marus; Fabian, Mwosi; Arthur, Sunday; Sammy, Godfrey Poro
The study examined the effect of corporate governance on firm’s financial performance amongst private business enterprises in Uganda. The study used descriptive and survey design. A mixed method approach which involved both qualitative and quantitative techniques were also used. The study found out that corporate governance significantly influences the financial performance of hotels and manufacturing firms in Lira City and majority of the firms investigated performed on average financially. It was also established that firms whose boards demonstrate high integrity were likely to register positive changes in their financial performance than firms whose boards do not. The study also noted that board independence would propel the firm to grow to greater heights. The study recommends that hotel and manufacturing firm owners should exercise some discipline and leave boards to operate independently. This would allow the board to remain focused on the long-term goals of the firm. The hotel and manufacturing firm owners should be cautious in selecting board members lest they attract many that would increase the firm’s liabilities.
Credit Risk Management Practices and Loan Performance of Commercial Banks in Uganda
(Business Perspective Review, 2022) Agaba, Francis; Tamwesigire, Caleb; Eton, Marus
Purpose: The study examined the relationship between Credit Risk Management Practices and Loan Performance of Commercial Banks in Mbarara City. The study covered 19 commercial banks. Method: A correlational design was used to establish the relationship between different credit risk management practices and Loan Performance in selected commercial banks in the city. The study used a structured questionnaire to collect numerical data from the credit staff and management of 19 commercial banks. Correlation and regression tests to analyze the relationships and effects of Credit risk management and Loan Performance of commercial banks in Mbarara city Findings: The study found a significant relationship between credit risk identification and loan performance; credit risk assessment and loan performance; credit risk monitoring and loan performance; and credit risk control and loan performance. The study also found that some commercial banks did not have experts to accurately predict credit risks nor evaluate the consequences of the decisions taken by loan officers. Implication: Banks should source experts who can analyze and predict risks and evaluate their consequences on the bank. The bank should adopt the tool of 5cs of credit management, with this it will develop a good loan book that shall lead to good loan performance. Limitations: We still don't know clients' perceptions of the different credit risk management practices. Therefore, a qualitative study to assess clients' perception of the credit management practices in commercial banks should be conducted.
Credit Risk Management Practices and Loan Performance of Commercial Banks in Uganda
(Business Perspective Review, 2022) Francis, Agaba; Caleb, Tamwesigire; Eton, Marus
Purpose: The study examined the relationship between Credit Risk Management Practices and Loan Performance of Commercial Banks in Mbarara City. The study covered 19 commercial banks. Method: A correlational design was used to establish the relationship between different credit risk management practices and Loan Performance in selected commercial banks in the city. The study used a structured questionnaire to collect numerical data from the credit staff and management of 19 commercial banks. Correlation and regression tests to analyze the relationships and effects of Credit risk management and Loan Performance of commercial banks in Mbarara city Findings: The study found a significant relationship between credit risk identification and loan performance; credit risk assessment and loan performance; credit risk monitoring and loan performance; and credit risk control and loan performance. The study also found that some commercial banks did not have experts to accurately predict credit risks nor evaluate the consequences of the decisions taken by loan officers. Implication: Banks should source experts who can analyze and predict risks and evaluate their consequences on the bank. The bank should adopt the tool of 5cs of credit management, with this it will develop a good loan book that shall lead to good loan performance. Limitations: We still don't know clients' perceptions of the different credit risk management practices. Therefore, a qualitative study to assess clients' perception of the credit management practices in commercial banks should be conducted.
Curriculum Interpretation and Learners’ Attainment of Reading Skills in Uganda a Case of Selected Districts in Acholi Sub-Region
(International Journal of Research and Innovation in Social Science, 2019) Sammy, Godfrey Poro; Eton, Marus; Andrew Peter Yiga; Julius, Caesar Enon; Fabian, Mwosi
The study sought to assess the influence of curriculum interpretation on learners’ attainment of reading skills in Acholi Sub region, Uganda. The finding indicated a significant relationship between curriculum interpretation and attainment of learners’ reading skills. The study recommended a more coordinated approach to language policy implementation so that all learners can have the opportunity to learn to read first in their mother tongue and for reading to be beneficial and meaningful for them. Emphasizing instruction in local languages in government primary schools disadvantages learners when it comes to preparation for Primary Leaving Examinations. The government needs to streamline policy on thematic curriculum implementation so that all learners in Uganda are given equal opportunities when it comes to primary leaving examinations
The Discourse of Non-Citizens Expulsion Reinvigorated: Examination of Racial Undertones in Asians Expulsion from Uganda in 1972
(African Journal of Social Sciences and Humanities Research, 2021) Francis Akena, Adyanga; Eton, Marus; Ayiga, Natal
The expulsion of non-citizens from countries around the globe is not a new phenomenon. In Africa, there have been numerous documented and undocumented cases after the continent acquired political independence in the 1960’s. In the critical antiracist study, forceful expulsion of citizens of another country may constitute racism. However, our position in this paper is that expulsion of non-citizens for the interest of the host country is not necessarily a racial act. It is on this basis that we examine the expulsion of Asians from Uganda in 1972 and argue that the act, at the basic level of bigotry analysis may not have constituted racism. However, categorizing the Asians population in Uganda by then, the main argument in this paper justifies the expulsion for certain groups on one hand. But on the other hand, we admonish the Uganda government for collective expulsion of the Asians whose ancestors were brought in the country in the late 19th century to build the Uganda railway. Furthermore, the paper argues that as much as many of the Asians were second or third generations having been born in Uganda and were legal citizens, they do not fall within the category of indigenous population. Therefore, their expulsion based on indigeneity and correcting economic imbalance by then is racially unbiased and defensible.
The effect of COVID-19 on financial inclusion in the Kigezi and Lango subregions in Uganda
(Journal of the International Council for Small Business, 2022) Eton, Marus; Fabian, Mwosi; Mary, Ejang
The year 2020 opened with tough policy measures to control the rapid spread of COVID-19. We sampled, explored, and analyzed the most recent studies that linked COVID-19 to business and finance. We identified two mitigations, which had strong effects on financial inclusion but had been neglected: lockdown and social distancing. We used lockdown and social distancing to conceptualize COVID-19, and developed two theoretical nexuses among COVID-19 and financial inclusion, and COVID- 19 and government policy interventions. We explored each of the nexuses. First, we described the extent of lockdown and social distancing, financial inclusion, and government policy interventions. Second, we compared these nexuses in both the Lango and Kigezi subregions, and explained the significance of the interventions. Third, we used beta coefficients to quantify the effects of COVID-19 on financial inclusion. We provide a solid foundation for compulsive online banking in developing countries.
Exam and knowledge-based educations in Uganda: A comparison of concepts. A case of Lango sub region, Northern Uganda
(International Journal of Multidisciplinary Research and Development, 2018) Eton, Rehema; Andrew Peter Yiga; Solomon Asiimwe Muchwa; Fabian, Mwosi; Eton, Marus
The argument that today’s graduates were more theoretical than practical has been dominating the educational sectors in the country. The study sought to investigate the role of Exam and Knowledge-based Education on students’ Professional Competence in tertiary institutions in Lango subregion, Northern Uganda. A sample of 111 respondents was chosen from the respondents and the response rate was 100%. The study found out that Learners and instructors view education as merely passing examinations. In this view, instructors teach only what is related to exams, leaving out the core concepts that would build on knowledge and life skills that are required in the world of work. Giving much attention to exams and the nature of examination has underscored the role of teaching, prompting many education stakeholders to engage in examination malpractice The study recommended that Universities and higher education institutions should collaborate with employers and curriculum developers to ensure that whichever knowledge and skills universities and higher education institutions provide are in direct line with what employers need from employees. National Council for higher Education (NCHE), the organ responsible for accreditation of university and other tertiary institutions’ academic programs should collaborate with stakeholders, particularly employers before approving institutions and university programs. It’s high time that universities and higher education institutions design programs that are demand-driven than academic-driven. National examination boards should stop recycling questions, a practice that has made students and learners to correctly hypothesize what is likely to appear in an external examination. Education institutions should shift from handouts that promote cram work to handouts that promote understanding.
Financial Accessibility and Poverty Reduction in Northern Uganda, Lango Sub-Region
(Research Publish Journals, 2019) Eton, Marus; Picho Epiphany, Odubuker; Mary, Ejang; Benard, Patrick Ogwel
Access to a well-functioning financial system can economically and socially empower individuals and in particular poor people, allowing them to better integrate into the economy of their countries and to actively contribute to their development and protect themselves against economic shocks. The paper examined the contributions of financial accessibility in supporting poverty reduction in northern Uganda. A cross sectional study design was adopted. The data was collected by use of structured and closed ended questionnaire. The findings revealed that financial institutions had not done much to reach the poor, which limits their productivity capacity and capacity to acquire productive assets. While there are isolated pockets of poverty reduction as expressed by participants’ ability to own personal assets and easily manage their dependency burdens, a few individuals have access to better health facilities. The strides to promote financial accessibility are highly commendable, though poverty remains problematic even among those who have access to financial resources. The paper therefore recommends that financial institutions should endeavor to offer financial management training to clients before extending credit to them, especially clients with some noticeable levels of illiteracy. There is also need for a comprehensive analysis on the current poverty reduction models and their impact on the very poor, in terms of production capacity, owning productive assets and living meaningful lives.
Financial accountability mechanisms in local governments in Uganda: a case of Kabale District Local Government
(Academic Journals, 2021) Eton, Marus; Moses, Agaba; Abanis,Turyahebwa; Perpetua, Arinaitwe; Fabian, Mwosi; Bernard, Patrick Ogwel
The purpose of the study is to present financial accountability mechanisms in local governments, with reference to Kabale district local government. A cross-sectional research design, which used both quantitative and qualitative approaches to collect and analyze data, was adopted. Both simple random and purposive sampling techniques were used to select 117 respondents from 174 subjects. Questionnaires and personal interviews were used to collect data from respondents. Frequencies and percentages were used to analyze quantitative data, while direct quotes from interviews conducted among key informants formed the basis for qualitative analysis. Quantitative analysis was aided by software for document analysis (SPSS V 20.0). The study found out that service delivery was the most commonly used financial accountability mechanism, followed by financial reporting, expenditure control and budget. The paper therefore, concluded that service delivery is the most used mechanism of financial accountability, though the district’s local budget seemed unclear on reflecting the priorities of the local people. This paper suggests that the local government should ensure that the district’s budget demonstrates community preference; salaries and wages should be paid in accordance with the district’s approved budget; expenditures on development should always be as per the approved budget, and the mode of financial reporting, particularly on liabilities should be standardized.
Financial accountability mechanisms in local governments in Uganda: a case of Kabale District Local Government
(Journal of Accounting and Taxation, 2021) Perpetua, Arinaitwe; Eton, Marus; Moses, Agaba; Abanis, Turyahebwa; Benard, Patrick Ogwel; Fabian, Mwosi
The purpose of the study is to present financial accountability mechanisms in local governments, with reference to Kabale district local government. A cross-sectional research design, which used both quantitative and qualitative approaches to collect and analyze data, was adopted. Both simple random and purposive sampling techniques were used to select 117 respondents from 174 subjects. Questionnaires and personal interviews were used to collect data from respondents. Frequencies and percentages were used to analyze quantitative data, while direct quotes from interviews conducted among key informants formed the basis for qualitative analysis. Quantitative analysis was aided by software for document analysis (SPSS V 20.0). The study found out that service delivery was the most commonly used financial accountability mechanism, followed by financial reporting, expenditure control and budget. The paper therefore, concluded that service delivery is the most used mechanism of financial accountability, though the district’s local budget seemed unclear on reflecting the priorities of the local people. This paper suggests that the local government should ensure that the district’s budget demonstrates community preference; salaries and wages should be paid in accordance with the district’s approved budget; expenditures on development should always be as per the approved budget, and the mode of financial reporting, particularly on liabilities should be standardized.
Financial Inclusion and Access to Higher Education An Empirical Study of Selected Districts in Eastern Uganda
(European Journal of Business and Management, 2020) Eton, Marus; Sammy, Godfrey Poro; Denis, Sekiwu; Fabian, Mwosi; Francis Akena, Adyanga
Access to higher education has continuously been a challenge in Uganda. The research brought out the relationship between financial inclusion and access to higher education. Descriptive survey research design was adopted and the findings established that digital financing eases making deposits in banks, transacting via mobile money and switching from one bank to the other. Students find it easy to deposit tuition in the bank just as they find it easy to access money via mobile money. While financial inclusion makes financial services available in the economy, students, especially those from low-income families find difficulty accessing a wider range of these products, which hinders their access to higher education. The study also establishes that a good number of students fail to meet admission requirements. Since students from low-income families attend high schools of low quality, they have insufficient understanding of some subjects, and thus unable to join higher education. Online registration and payment, students’ decision not to join, peer influence, and rigidity of university programs; are deeply flawed to limit accessing higher education. However, financial services remain accessible to rich individuals who demonstrate ability to pay. The study recommends that the government of Uganda through the concerned ministry should review the implementation of their policies on Students loan scheme and district quota systems. The government should always publish the lists of students admitted to higher education institutions in popular media and newspapers to create awareness to those being admitted to particular institutions.

Browsing by Author "Eton, Marus"

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