Bachelor of Science in Development Economics

Determinants of client ability to effect on-time loan repayments: case study Barclays bank (u), Luwum street branch

Thu, 01 Oct 2009 00:00:00 GMT

Determinants of client ability to effect on-time loan repayments: case study Barclays bank (u), Luwum street branch Ampiirwe, Maureen Anita The study intended to find out the determinants of client ability to pay monthly installments within the required time at Barclays Bank Luwum branch. The major objective of this study was to investigate the effectiveness of the credit management system on client ability to loan repayments after increased cases of loan defaults and bad debts at Luwum branch. The study design used was a retrospective one. This was looking at successful loan applicants for the period 2002 to 2006. In this design, loan repayment levels, client ability to pay on-time, client capacity assessed and profitability on the side of the bank were the main variables considered among others. A sample of 30 clients was selected from each year giving a total of 150 clients for the study. The data was analyzed at three levels; univariate, bivariate and multivariate (logistic model fitting). Significance for tests for relationships was 5% for bivariate and multivariate analysis. Depositing a security to secure a loan significantly determines client ability to effect on-time payment. Clients with a much valued security have absolute capacity to effect on-time payments. Monthly repayments below one million shillings are less likely to be paid after the repayment date has passed than monthly payment above one million shillings. Loan period of four years and above is more likely to increase the chance of client ability to effect on-time payments than for loan period below four years. The major determinants of client ability to effect on-time payments as far as loan repayment is concerned are loan period, loan amount, security deposited and marital status of the client. Nyende Jeremiah; Nyende Jeremiah

Impact of agricultural cooperatives on farmers’ livelihoods; case study: Kisiita Agricultural Cooperative Enterprise

Tue, 01 Oct 2013 00:00:00 GMT

Impact of agricultural cooperatives on farmers’ livelihoods; case study: Kisiita Agricultural Cooperative Enterprise Twinomugisha, Samuel This study sought to empirically examine the impact of agricultural cooperatives on farmers’ livelihoods in Kisiita Kibaale District. It specifically looked at the influence of provision of improved farm seeds, market development services, value addition and storage services on the farmers’ livelihoods. The study adopted a cross sectional design involving a statistical approach to establish the relationship between the variables. The data was collected using a structured questionnaire and an interview guide that captured quantitative and qualitative data from the respondents. The data was analysed at three different levels, that is, univariate, bivariate and multivariate. At univariate, the descriptive properties of each variable were established. At bivariate analysis, the relationship between the dependent variable and each independent variable was established. At multivariate level, a binary logistic regression model was used to ascertain the magnitude of the impact for each independent variable on the dependent variable. It was concluded from the study that agricultural cooperatives have a positive impact on farmers’ livelihoods, with provision of improved farm seeds, value addition and market development services having a significant impact. Provision of storage services had a positive albeit insignificant impact on farmers’ livelihoods. It is recommended that focus be placed on all the services provided by agricultural cooperatives with more sensitization required regarding the importance of proper storage services. Nanfuka Mary

The effect of macro economic variables on performance of Uganda’s banking sector (2008 Q3 – 2018 Q1)

Tue, 01 Oct 2019 00:00:00 GMT

The effect of macro economic variables on performance of Uganda’s banking sector (2008 Q3 – 2018 Q1) Ampaire, Ritah Back in the 1930s, a fall in stock prices led to a drop in worldwide GDP, thereby highlighting the relationship between the macro-economy and the financial sector. Particularly for banking sectors, literature (for example Qinhua and Meiling, 2014) often concludes that Macroeconomic policy is crucial for the development of a sound banking system. While it is evident that past research has been carried out to assess the impact of macroeconomic factors on bank profitability in various parts of the world, research that aims to explore the effect of macroeconomic dynamics on bank profitability in East Africa, Uganda in particular, is limited. Based on this back ground, the study employed ordinary least squares method (OLS) to assess the effect of macroeconomic variables namely; gross domestic product, inflation rate, real effective exchange rate, lending rate and the 91-day Treasury bill rate, on performance (proxied by return on equity) of Uganda’s banking sector. The study covered a time period from September, 2008 to March, 2018. Overall, the study findings from the multiple linear regression specified that GDP, real effective exchange rate and 91-day treasury bill rate had a negative effect on bank profitability while inflation rate and the lending rate positively influenced profitability within Uganda’s banking sector between September, 2008 and March, 2018. Evidently though, only the effects of GDP and inflation rate were found to be significant at 5 percent, while lending rate was significant at 10 percent. The main recommendation from the study is the need for commercial banks to put in place measures that can ably help them forecast the inflation rate so that they can benefit from a higher inflation rate and increase their profitability. Mubiinzi Geoffrey; Mubiinzi Geoffrey

The impact of ill health on household poverty in Uganda; a case of malaria among children below five years

Sun, 01 Sep 2013 00:00:00 GMT

The impact of ill health on household poverty in Uganda; a case of malaria among children below five years Mulyazaawo, Mathias The study investigated the impact of ill-health on household poverty in Uganda with a focus on malaria among children below the age of five years. Its specific objectives were to find out the influence of expenditure on treatment of malaria and expenditure on medicines and transport on household poverty. It also intended to find out the influence of admission due to malaria on poverty, the effect of loss of working days due to malaria, borrowing for healthcare and selling of household assets on household poverty in Uganda, a low income country in East Africa. The study was based on data collected under the 2009 Uganda Malaria Indicator Survey. This survey covered4,080 children below the age of five and 4,250 households. Women aged 15 – 49 were the primary respondents. Principal component analysis was used to generate a composite poverty index and results were presented in quintiles and later into two groups; the poor and the rich. Bivariate analysis was done using the chi square while multivariate analysis was done with binary logistic regression.Result show that in both rural and urban areas ill-health due to malaria is a major challenge. Results show that in rural areas, 78.9 percent and 39.3 percent among poor and well-off household respectively had a child who suffered from malaria two weeks prior to the survey. In Uganda, the likelihood of a household that had a child with malaria being poor was high. This was as a result of expenditure on; treatment, medicines and transport to seek healthcare. In rural areas, a significant (p < 0.05) statistical relationship exists between expenditure on treatment, medicines, transport, borrowing to pay for healthcare plus selling of assets and household poverty level.A rural–based that spent money on treatment or medical consultation, on medicines or transport was twice like to be poor compared to one that did not. In urban areas, 64.8 percent of the poor households and 49.2 percent among the non-poor household had had a child with malaria and expenditure on treatment, on transport and admission of the child is associated with household poverty. Here,a household that spent money on treatment of a child with malaria was 13.3 times likely to be poor compared toone that did not. In the same place of residence, a household that had a child admitted as a result of suffering from malaria was 11.4 times likely to be poor. Control of illness demands more attention and support. Control of malariaespecially among children should be a top priority. Patients should access treatment free of charge or at low fees affordable by the majority. Regular availability of free medicines in public health facilities should be guaranteed. Antimalarial medicines in the private sector should be subsidized so as to improve on availability and access to medicines. Health insurance for all should be promoted. Community healthcarethrough village health teams should be supported. These teams should be facilitated and empowered to promote health in their communities. Kakungulu Moses