KAB-DR Repository :: Browsing by Author "moses Agaba"

Browsing by Author "moses Agaba"

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Open Access
Bank Credit and Loan Repayment Rates during COVID-19 in Kabale District, Uganda
(2023-10-30) Byamuma Dicky; moses Agaba; Eton Marus
The study was to investigate the impact of bank credit on loan repayment rates in the Kabale region using Lyamujungu SACCO as the case study. Loan repayment performance at Lyamujungu SACCO has rapidly declined. This study used a cross-sectional survey method to examine, characterize and compare bank credit and loan repayment in Kabale district, using Lyamujungu SACCO as the case study. The sample size for each subject type was determined using the table of Krejcie and Morgan. Out of 150 samples, a sample of 108 people was selected for the study. The researcher used both purported sampling and simple random sampling to select members/clients of SACCO. Based on the results in the table, the null hypothesis for all three variables is rejected, with a significance level of (p = <.000, p = <.040, and p = <.001). This means that there is evidence that the distribution of mean scores for each of the three variables is not the same depending on the borrower's ability to repay. The study concluded that labor productivity growth decreased and therefore, income decreased, investment decreased and affected the borrower's ability to repay loans during the COVID-19 pandemic in Lyamujungu SACCO.
Open Access
Financial Accountability and Service Delivery in Kabale District, Uganda
(THE INTERNATIONAL JOURNAL OF BUSINESS & MANAGEMENT, 2023-10-30) Biryomumaisho Ferdison; Turyasingura John Bosco; moses Agaba; Vicent Miganda
This research was conducted in Kabale District Local Government to examine the effect of financial accountability on service delivery. The predictor variables under study were funds disbursement, auditing process and record-keeping systems, while service delivery was the outcome variable. The study followed a cross-sectional survey. Data from 86 respondents was collected and analyzed quantitatively, complemented with qualitative analysis. Since descriptive analysis entailed a description of a single variable and its attributes, frequency tables were used to present the data. At the bivariate level, a Pearson correlation matrix was conducted to ascertain the relationships between the predictor variables and the dependent variable. A linear regression model was used to fit the data. Research findings from the regression model show that funds disbursement (R=862), Auditing process (R=656 and record-keeping systems (R=899) have a positive significance on the service delivery of Kabale District local government. The main conclusion drawn from this research is that funds disbursement, auditing process and record-keeping systems have a significant effect on service delivery.
Open Access
Financial Innovations And Financial Inclusion Among Commercial Banks in Uganda
(International Journal of Entrepreneurship and Business Management, 2023-05-26) moses Agaba
This study was carried out to ascertain the impact of financial innovations by commercial banks on financial inclusion in the Kabale district. The specific goals were to ascertain the relationship between institutional innovations and financial inclusion, examine the relationship between process innovation and financial inclusion among rural households, and examine the relationship between product innovation and financial inclusion among rural households. The studies 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 statistic . The study's findings support the statistically significant link between commercial banks' financial 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
Open Access
Human Capital Growth and Employee Performance in Local Government in Uganda
(International Research Journal of Economics and Management Studies Published by Eternal Scientific Publications, 2023-03-27) moses Agaba
In the local government of the Kisoro area, this study looked at the relationship between workplace performance and employee-related factors. The purpose of this study was to determine the connection between employee performance and the development of human capital. Therefore, the research touched on the basic attributes derived from the conceptual framework and focused on his four goals that inform the ultimate goal of the research results related to the 'dependent variable'. These attributes include qualifications, experience, knowledge and work methods. They may influence an employee's performance in a positive or negative way. The research goals are: a) establishing the relationship between qualifications and employee performance; b) investigate whether experience influences employee performance; c) determining the relevance of knowledge relevant to employee performance; d) Determining the relationship between work methods and employee performance, both at the individual level and in relation to the entire local government. This survey employed a descriptive survey design in which 162 (162) respondents were civil servants and civil servants selected from her 280 (280) population size. The sample size of 162 respondents included her 16 (16) administrators/top managers, 24 (24) civil servants/politicians for her targeted sampling, and 122 (122) for a simple random sample. It was This study sought to determine whether human capital development influences improved employee performance, and thus the correlation between human capital and human capital development. The association is in fact significant at the two-tailed 0.01 threshold. The same studies also included a comparison between increased employee performance and human capital development. The correlation is in fact statistically significant at the 0.05 (two-tailed) level. Results for the association of human capital development to improved employee performance showed r = 0.954, p-value = -0.005, with a correlation coefficient of 0.05. The results therefore show clear evidence of a moderately positive relationship between the variables, implying that human capital development does not directly affect employee performance. Research recommended. Improve the quality of employees by updating to new systems such as management information systems and policy regulations. Employees are rewarded for their outstanding performance and expertise in their field. Civil servants and local governments should include on-the-job training, such as coaching, while improving working conditions, such as motivational incentives. Compensation types should be performance-based payments, unlike the current working model, which is based on substantive considerations. About executives and occupations.
Open Access
INSTITUTIONAL INNOVATIONS AND FINANCIAL INCLUSION AMONG RURAL HOUSEHOLDS IN UGANDA,
(Global scientific Journals, 2024-03-03) moses Agaba
This 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.
Open Access
Microfinance Institution Services and Performance of Small and Medium Enterprises in Kabale District Uganda
(International Journal of Entrepreneurship and Business Management, 2023-05-20) moses Agaba
This study evaluated the performance of small and medium businesses in Kabale District in relation to microfinance institution services. The precise goals were to determine how financial literacy education, managerial skill development, and marketing assistance provided through SME clubs and marketing associations affected the performance of small and medium-sized businesses. The study was descriptive in nature, and the data collecting and analysis methods used were quantitative. A questionnaire was used to collect data from a sample of 71 different SME owners and other relevant informants. Microsoft EXCEL and SPSS Version 22.0 were used to analyze the data and produce both descriptive and inferential statistics. The study concluded. Savings literacy, debt literacy, and investment literacy programs helped business owners safely manage their income, expenses, and savings, make clear financial decisions, repay loans on time, and diversify their investments, all of which boosted the performance of SMEs. By enhancing SME governance, boosting business vision through achieved goals and plans, and inspiring employees to work hard for better, the development of managerial skills positively impacted the performance of small and medium-sized enterprises. This ensured SMEs' capacity to compete, survive, and thrive in a dynamic environment. The study further supported the idea that SMEs performed better when marketing was facilitated through SME clubs and marketing groups.
Open Access
Social-Cultural Factors And Coffee Consumption In Rukungiri District Uganda
(ADPEBI International Journal of Business and Social Science, 2023-04-19) moses Agaba
Open Access
Social-Cultural Factors And Coffee Consumption In Rukungiri District Uganda
(ADPEBI International Journal of Business and Social Science, 2023-04-19) moses Agaba
This study adopted a cross-sectional survey research design and involved quantitative and qualitative methods which enabled the study to evaluate the relationship between the study variables in a snapshot. A sample of 123 respondents was selected using simple random and purposive sampling techniques. The quantitative data were analyzed using SPSS Version 23.0 and the thematic analysis method was used to analyze the qualitative data. Quantitative results in form of descriptive statistics, correlations and regressions were presented in tables based on the study objectives. The study found that social-cultural factors were positively and significantly related to coffee consumption (r =. 764, P≤.01). The social-cultural factors status in terms of Social class of people/reference groups, Occupation and Life Style and as such, coffee consumption is influenced by these factors. The study further concluded that embedded beliefs, that the people of Rukungiri District should go back to their tradition of coffee consumption since it was their own from the beginning
Open Access
Stakeholder’s resource mobilization and sustainability of government funded agricultural projects in Uganda: A case study of potato projects in Kabale District
(African Journal of Business Management, 2023-04-26) moses Agaba
This study sought to determine the impact of resource mobilization by stakeholders on the viability of government-funded agricultural initiatives, using a case study of the Kabale area. The lack of stakeholder participation in resource mobilization and decision-making has an influence on the long term viability of donor-funded potato projects in the Kabale district. This study required a prior study of the cross-sectional survey in order to lead to expected outcomes. 75 respondents provided information, and we integrated quantitative and qualitative analysis. The analysis, which was conducted at three separate levels, utilized descriptive, bivariate, and multivariate approaches. The descriptive analysis required the presentation of just one variable and its properties, frequency tables were used to illustrate the data. A Pearson correlation matrix was used to analyze the bivariate correlations between the dependent variable and the predictor components. At the multivariate level, the dependent variable was regressed against the updated predictor factors of sustainability of government projects. The results of a regression analysis showed that resource mobilization from stakeholders has a positive impact on the effectiveness of potato initiatives in Kabale District (coef = -0.890, p-value = 0.000). The main finding of this study is that resource mobilization by stakeholders has a substantial impact on the sustainability of potato projects. The study recommends putting greater attention on implementing stakeholder resource mobilization by defining the provision of capital, human resources, and availability of land in order to assure the sustainability of potato projects.
Open Access
THE EFFECT OF BORROWER’S CAPACITY TO PAY ON LOAN REPAYMENT IN UGANDA DURING COVID-19 PANDEMIC
(Global Scientific Journals, 2024-03-18) moses Agaba
This study was conducted with the aim of investigating the effect of borrower’s capacity to pay on loan repayment during COVID -19 pandemic at Lyamujungu SACCO in Uganda. A crosssectional survey design was used using Lyamujungu SACCO as a case study. This was approached with qualitative and quantitative approaches. Using questionnaire and interviews, data was collected from 108 clients of Lyamujungu SACCO. In addition, interviews were conducted with the general manager, branch managers and loans officers. The collected data was cross checked for errors omission and completeness, coded and analyzed using SPSS computer package. Data was presented in form of tables as frequencies, percentages, standard deviation, mean and significance levels were determined for hypothesis. Results for the study objective revealed that SACCOS started giving less loans in comparison to what they applied for (M=4.05, SD=1.256) and closed very early during covid-19 pandemic (M=3.73, SD=1.378) all of which affected the borrowers capacity to repay loans, consequences that drive SACCO members into loan repayment failure (M=4.70, SD=.459) and loss of savings leading to absolute poverty(M=4.56, SD=.600) were the major factors that determined the borrower’s credit on loan repayment during covid-19 pandemic. Results from null hypothesis testing on the item was rejected indicating borrowers capacity(.040), thus the study concluded that there is evidence to suggest that the distribution of the mean score of each of the variable is not the same across the ability of the borrower to repay the borrowed loan. The study recommends SACCOs to seriously consider having in place effective credit standards, credit policy, credit terms and collection policies or procedures as mechanisms
Open Access
The Effect of Economic Factors on Coffee Consumption in Rukungiri District, South-Western Uganda
(Journal of Economics, Finance and Management Studies, 2023-05-05) moses Agaba
Rukungiri District production and marketing department has pursued campaigns to educate the public about the health benefits of coffee, including its high antioxidant content, potential to prevent certain malignancies, and potential to lower type 2 diabetes risk. Despite these efforts, the District still has a low level of coffee consumption. This study tried to determine whether economic variables could be responsible for the low consumption. Through the use of both quantitative and qualitative methods and a cross-sectional survey research design, this study was able to quickly assess the relationship between the study variables. Simple random and purposeful sampling methods were used to choose a sample of 123 respondents. The thematic analysis method was utilized to assess the qualitative data, while SPSS Version 23.0 was used to analyze the quantitative data. Based on the study's aims, quantitative data were presented in tables as descriptive statistics, correlations, and regressions. The study discovered a substantial positive association between economic parameters and coffee intake (r = 0. 876, P.01). Coffee consumption is influenced by the economic status in terms of higher incomes, wages, and general standards of living because these factors have a tendency to affect people's consumption habits. The study also came to the conclusion that raising the economic standing of residents of the Rukungiri District is what will drive up coffee consumption.
Open Access
The effect of participatory project design on project success in government funded project in Uganda: A case study of parish development in Kabale District
(African Journal of Business Management, 2023-03-08) moses Agaba
The objective of this study was to examine the effect of participatory project design on project success in a government-funded project in Uganda, a case study of Parish Development in Kabale District. A cross-sectional survey was done. 75 respondents provided information, and we integrated quantitative and qualitative analysis. The analysis was conducted on three separate levels and included descriptive, bivariate, and multivariate approaches. The bivariate correlations between the dependent variable and the predictor components were examined using a Pearson correlation matrix. The dependent variable was regressed against the revised predictor factors at the multivariate level (project success). An analysis of the data was done using a linear regression model. Results of the regression analysis demonstrate that participatory project design has a beneficial effect on the effectiveness of parish development models in the Kabale District (coef = -0.780, p-value = 0.000). The main conclusion of this study is that parish development model project success in Kabale district is significantly influenced by participatory project design. In order to guarantee the sustainability of the project success of the parish development model, the study suggests that more emphasis should be placed on adopting participatory project design through defining project goals, determining results, identifying risks and constraints, and refining project strategy.
Open Access
The impact of internal controls on SACCO performance in Rukiga, Uganda
(Annals of Management and Organization Research (AMOR), 2023-04-27) moses Agaba
Purpose: The research on the internal controls of Rukiga SACCO was conducted in Rukiga District to examine the segregation of duties, determine the impact of independent checks, and assess the risk management on the financial performance of the organization. Research methodology: This research was carried out after the cross-sectional survey. The bivariate correlations between the predictor components and the dependent variable were examined using a Pearson correlation matrix, and a linear regression model was used to fit the data. Results: The regression model results showed that segregation of duties (R=762), independent checks (R=676), and risk management (R=899) had beneficial influence on Rukiga SACCO performance. Furthermore, the performance was impacted by risk management, separation of roles, and independent checks. Limitations: The structured questionnaire, which was administered by the participant, served as the primary data collection tool. The probability of non-responses occurred due to the loss of control over the questionnaire after submission to respondents. This situation had a significant impact on the data analysis and the generalizability of the findings. Contribution: Task segregation, independent auditing, and risk management should be considered to achieve loan portfolio expansion, profitability development, and market share increase, which were crucial elements of Rukiga SACCO performance.
Open Access
Training and Employee Performance in Uganda: A Case of National Water and Sewarage Corporation
(International Research Journal of Economics and Management Studies, 2024-03-08) moses Agaba
This study investigated the relationship between Training and Employee Performance in Uganda, considering the case of National Water and Sewerage Corporation-Rukungiri District. The study's specific goals were to examine the relationship between on-the-job training and employee performance, determine the relationship between off-the-job training and employee performance, and find out the challenges that affect training and employee performance at NWSC Rukungiri District. Senior human resource managers and managerial and technical personnel made up the sample of 96 respondents, and the study was conducted using a cross-sectional and descriptive survey approach. Self-administered questionnaires and interviews were used to gather primary data, and document reviews were used to gather secondary data. The research findings indicate a statistically significant positive relationship (r=0.701, p<0.01) between on-the-job training and employee performance at NWSC-Rukungiri District. The study also found that off-the-job training and employee performance at NWSC-Rukungiri District had a moderately significant positive relationship (r=0.633, p<0.01). The study also discovered that the main challenges to training at NWSC-Rukungiri District are lack of proper training approaches (β =7.153, p<0.05), use of inappropriate training technology, and lack of training feedback (β =6.174, p<0.05). The study concluded that improving on-the-job training would significantly improve workers' productivity. It was also determined that enhancing staff training outside of the workplace will only marginally enhance output. The study came to a further conclusion that the absence of training feedback, using appropriate training technology, and a lack of diversity in training methodologies are the main issues affecting training at NWSC-Rukungiri District. The study advised the corporation to adopt coaching, job instructional approaches, and apprenticeship on-the-job training methods to train employees in order to increase performance. The study also suggested that the corporation should adopt the use of role acting, simulation, and case challenges and embrace a variety of training modalities, such as individualised digital platforms, online instruction, and feedback on training outcomes to identify any training gaps that future initiatives should fill.

Browsing by Author "moses Agaba"

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