Department of Economics and Managerial Science

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Agricultural Development Strategies and Rural Household Livelihoods in Mbarara district, Uganda
(Uganda Management Institute, 2018-01) Atuhaire, May
The study examined the relationship between Agricultural Development Strategies and rural House hold livelihood in Mbarara District. The study was premised on the following research objectives: to examine the relationship between extension services and rural household livelihoods in Mbarara District, western Uganda, to examine the relationship between access to credit and rural household livelihoods in Mbarara District, western Uganda and to examine the relationship between market information and rural household livelihood in Mbarara District, Western Uganda. The study adopted a descriptive cross sectional survey design where both quantitative and qualitative approaches were used. In this study, a total number of 113 respondents were expected but 60 respondents returned the survey instruments representing a response rate of 53%. The data was collected using questionnaires, interviews and quantitative data analysis was done using regression analysis and Pearson correlation coefficients for the quantitative findings. Qualitative analysis was done using content and thematic analysis Firstly, findings revealed that there is a positive significant relationship between extension services and rural household livelihood in Mbarara District r value was 0.772(**). Secondly, findings revealed that there is a positive significant relationship between access to credit and rural household livelihood r value was 0.212(**). Thirdly, findings revealed that there is a positive significant relationship between market information and rural household livelihood r=0.622 and P=0.000. Findings revealed that three Institutions are extensively carrying out extension services in Mbarara that is Sasakawa, NARO and Local Government. The three have used more than three extension methods to disseminate the climate smart technologies practices/agricultural practices to the farmers.Findings revealed that smallholder farmers often face constraints when they want to access markets or when they want to improve their competitiveness in markets. Smallholder farmers often have low market access as compared to their larger and more capitalized colleagues. It was recommended that: farmer groups should be supported in order to help the extension staff make wider coverage and take advantage of interpersonal communication. There is need to create appropriate information channels among the farmers. The loans should be given at low interest rates since most of the farmers in Mbarara cannot afford loans at high interest rates. Free collateral security loans will be useful in such a situation. So, it is advisable to strengthen farmers group, strengthen cooperative and union to increase chances of farmers accessing credit.
Appraisal and Teacher Performance in Public Primary Schools in Gulu District
(Uganda Management Institute, 2018-03) Vickyayugi, Pamela
The study investigated the relationship between appraisal and teacher performance in public primary schools in Gulu district. The objectives of the study were; to investigate the relationship between management by objectives and teacher performance in public primary schools in Gulu district, to investigate the relationship between teacher based evaluation and teacher performance in public primary schools in Gulu district, and to investigate the relationship between 3600 feedback appraisal and teacher performance in public primary schools in Gulu district. A cross-sectional survey research design was used for this study. Simple Random Sampling was used to sample respondents. Data were collected using questionnaires surveys, documentary review and interviews. The collected data was analyzed using descriptive statistics in the form of frequencies and percentage tables with the aid of SPSS (Statistical Packages for Social Scientists). Qualitative data was transcribed, organized into various emerging themes guided by the objectives of the study and reported in a narrative way Findings revealed that appraisal of teachers on adequacy of planning and preparation by heads of departments and subject heads before attending classes assisted on improvement of students’ academic performance to a large extent at 70(72.2%), 67(69.1%) and 57(58.8%) respectively. Appraisal of teachers on adequacy of classroom environment by school principals assisted on improvement of students academic performance to a large, medium and small extent at 57(59%), 28(29%) and 12(12%) respectively. Appraisal of teachers’ on professional responsibilities assisted in improvement of students’ academic performance to a large, medium and small extent at 54(56%), 31(32%) and 12(12%) respectively. 67(69%). teachers acknowledged that appraisal of teachers during classroom instructions assisted in boosting students academic performance to a large extent while 30(31%) held a contrary opinion. The study concluded that Appraisal has a weak positive influence on teacher performance and therefore teachers should be given clear goals which should be communicated early to avoid misunderstanding during evaluation. There is need for sensitising teachers and head teachers on the need for appraisal as well as provide feedback on instructional matters early enough to encourage teachers to improve on their performance.
Budget Management and Performance of Community Based Organizations A case Study of Reach out Mbuya Parish Hiv/Aids Initiative, Uganda
(Uganda Management Institute, 2014-04) LWASA, Joseph Muwanda; Mugambe, Paddy(Supervisor); Ninsiima, Jemimah (Supervisor)
The study was about budget management and performance in community based organizations, a case study of Reach Out Mbuya Parish HIV/AIDS Initiative, the general objective of the study was to establish the extent to which budget management influences performance of community based organisations. The specific objective of the study were:- to establish the extent to which budget preparation, implementation, and controls influence the performance of community based organizations. The study used a case study design using quantitative and qualitative approaches on a population of Reach Out Mbuya Parish HIV/AIDS Initiative staff comprising of Senior, middle management, supervisors and junior staff. Data was collected using a questionnaire and interview guide. The study found a high positive and significant relationship between budget preparation and project performance and it predicted up to 30% of the variance in the project performance. Budget implementation had a high positive and significant relationship between budget implementation and project performance and it predicted up to 25%. Budget controls had a high positive significant relationship with project performance and it predicted 50% of the variance in project performance. The study concluded that the identification of needs, development of specification and allocation of the necessary financial resources during budget preparation was instrumental in CBO performance. Compliance with requisitions, verifications and approval budget implementation guidelines or policies was instrumental in performance of CBO. Conducting of budget reviews and production of financial reports related to budgets was instrumental in performance of the CBO. The study recommends that the management of ROM should use annual planning retreats to adequately identify user department and project activities and adequately develop specifications. On budget implementation, the study recommends generation of supplementary budgets while on budget a control, the study recommends that the board should emphasize periodic budget reporting.
Budget Management Practices and Performance of the Uganda Police Force: A case of Kampala Metropolitan Police
(Uganda Management Institute, 2018-03) Okello, Richard
The study examined the effect of Budget Management Practices on Performance of the Uganda Police Force taking a case of Kampala Metropolitan Police Area. Specifically, the study sought to find out how budget preparation, budget execution, as well as Monitoring and Evaluation practices affect the performance of Uganda Police Force. The study adopted a cross sectional survey research design that used questionnaires, documentary review checklist and interview guides to collect data. Both purposive and simple random sampling techniques were used in sampling 123 elements from a population of 134; whereas qualitative data was analyzed using content and thematic principles, quantitative data on the other hand was analyzed using descriptive and inferential statistics. The study found out that budget preparation, budget execution and budget monitoring and evaluation each positively and significantly affected performance of Uganda Police Force. The study concluded that if more emphasis is put on budget preparation, execution as well as monitoring and evaluation, there may be improved performance of Uganda Police Force. In addition, there is need for the Uganda Police Force to explore other areas such as socio-economic factors, technological advances, demographics, geo-politics among others that have a bearing on performance for holistic approach to performance improvement.
Budgetary Control and Financial Performance of International Non-Government Organisations in Uganda.A case of Cardno- Strengthening Decentralistion for Sustainability Programme.
(Uganda Management Institute, 2018-01) Jakait, John
The study examined the relationship between budgetary control and financial performance of International Non-Governmental Organizations in Uganda: A case of Cardno- Strengthening Decentralisation for Sustainability Programme in Uganda. Specifically, the study objectives were to examine the effect of budgetary process; fund accountability; and variance analysis on the financial performance of Cardno SDS Programme. The study was a descriptive cross sectional survey design that adopted both quantitative and qualitative approaches. Questionnaires and Interview guides were used to observe the targeted 70 respondents out of which 60 actually of the respondents participated in the surve whereas Qualitative data was analysed using regression analysis and correlation coefficients, the qualitative analysis was done using content and thematic analysis. The results indicated that all the three dimensions including budgetary process; fund accountability; and Variance analysis positively affected the financial performance of International NGOs in Uganda. It was concluded that: budgetary control positively influences financial performance in Cardno- Strengthening Decentralisation for Sustainability Programme in Uganda. It was recommended that all departments and stakeholders should be actively involved in the budget formulation, implementation and execution process. To ensure better financial performance, there is need to observe proper accountability of funds, and involve all stakeholders in budget preparation. International organisations should carry out periodical performance evaluation of all departments and the entire organization to ensure effective attainment of budgetary goals
Community Participation and Sustainability of HIV Aids Care: A case study of TASO, Tororo
(Uganda Management Institute, 2018-01) Bagala, Irene
The study focused on examining the relationship between community participation and sustainability of HIV/AIDS care at TASO Tororo. Specifically, the study analyzed the relationship between community participation in planning, implementation & monitoring and sustainability of HIV/AIDS care at TASO Tororo. The study adopted a correlation research design using both quantitative and qualitative approaches. The researcher sampled 108 respondents. Quantitative data was analyzed by use of Pearson‘s correlation co-efficient to establish the relationship between community participation (IV) and sustainability of HIV/AIDS (DV). Qualitative data was analyzed through quoting and paraphrasing of statements. Findings of the study revealed that there is a moderate positive significant relationship between community participation in planning & implementation and sustainability of HIV/AIDS care at TASO Tororo. Furthermore, there is a strong positive relationship between community participation in monitoring and sustainability of HIV/AIDS care at TASO Tororo. Key lessons learnt include the need for budgeting and cost allocation to be determined by project stakeholders including the community, the need for community members to be involved in selection of potential partners, the need for community members to be equipped with capacity to manage funds and need for community members to uphold monitoring of HIV/AIDS related activities. The study recommended that; TASO Tororo should increase access and control of its budget to community members as well as actively involving community members in budgeting and cost allocation. Further still TASO Tororo should offer trainings in financial resource management to community members and also create more avenues for community members to be involved in the monitoring of HIV/AIDS activities.
Competitive Strategies and Market Performance in the Mobile Telecom Industry of Uganda: A case of Airtel Uganda Ltd
(Uganda Management Institute, 2018-01) Munyambabazi, Emmanuel
The study investigated the relationship between competitive strategies and market performance in Uganda’s mobile telecom industry with a particular emphasis on Airtel Uganda Ltd. Specifically, the study examined how competitive advantage strategies, market mix strategies and internal company capabilities affect market performance of Airtel Uganda Ltd. The study focused on competitive strategies undertaken by mobile telecom companies with a special attention to Airtel Uganda Ltd through a conceptual framework and the extent to which those competitive advantage strategies (independent variables) determine the level of market performance (dependent variables) in the overall industry. Additionally, the literature review that was unbundled in chapter two was basically to avoid issues of duplication yet appreciating the role played by my predecessors in this area of research. The study was a cross sectional research design which used Questionnaires and interview guides to collect data. Whereas qualitative data was analyzed using content analysis, quantitative data was analyzed using descriptive and inferential statics. The study found out that there was a strong relationship between competitive strategies like competitive advantage, marketing mix and internal company capability strategies adopted by Airtel Uganda Ltd on one hand and market performance on the other hand like Sales and asset turnovers and tax revenue output to government of Uganda. The study thus recommended that relaxation and slackening of effort on any new developments in superior branding, product introductions, and cost leadership should be avoided since the occurrence of such pause upends momentum and progress to the advantage of strong rivals. Vigilance over its innovations and other strategies conceived and implemented should not only be optimum but total. Once there is any rollout of new products and innovations, the agile marketing efforts should not only be torrential but also consistently steadfast without any pause. Where there is any deficit in skill and capability in the company, succession planning, good leadership, retraining, benchmarking of resource allocation and of any best practice from highly successful entities on the world map should be encouraged and galvanized.
Consumer Behavior Factors and the Consumption of Counterfeit Products in Uganda: A case of the Central Business District of Kampala, Uganda
(Uganda Management Institute, 2013-12) Dongo, David
The study set out to investigate the relationship between consumer behaviour factors and the consumption of counterfeit products in Uganda so as to address the problem of increased consumption of counterfeit products in Uganda. The objectives of the study were to examine the relationship between consumer attitudes and consumption, to investigate the relationship between social influences and consumption, to determine the relationship between perceived behavioural control factors and consumption, and to assess the moderating effect of law enforcement on consumer behaviour and the consumption of counterfeit products in Uganda. The researcher mainly applied quantitative research design supplemented by qualitative findings using a cross-sectional study approach. A sample of 372 respondents selected from traders in the Central Business District of Kampala was used. The overall findings indicated that consumer behaviour factors do not explain the consumption of counterfeit products in Uganda. Correlation findings indicated social influence as a significant factor while consumer attitudes and perceived behavioural were not significant. Other findings indicated that original products are expensive, and yet counterfeits offer shorter usage life. The moderating effect of law enforcement was found not significant on consumer behaviour factors and consumption of counterfeit products. It was concluded that other factors rather than consumer behaviour factors may be explaining the consumption of counterfeit products in Uganda. Besides, it was recommended that social groups should be identified and sensitized to influence others against counterfeits in communities. Government should allow tax exemptions on original products and hike taxes on counterfeits to address the high price on originals and appropriate product information be availed to consumers through adverts and brand outlets to facilitate shopping decisions to combat counterfeiting in Uganda. Counterfeit products attributes, market stimuli, corruption, legislation and the prevalence of counterfeiting in Uganda were areas recommended for further research.
Contractor Management and Performance of Selected Road Infrastructure Projects in Uganda National Roads Authority
(Uganda Management Institute, 2018-01) Bankunda, Nicholas Kajinya
The study examined the effect of contractor management on the performance of selected road infrastructure projects at Uganda National Roads Authority. The study was premised on the following research objectives: to examine the effect of contractor selection on performance of selected road infrastructure projects at UNRA, to assess the effect of contractor monitoring on performance of road infrastructure projects at UNRA, to assess the moderating effect of the oversight role played by PPDA on the relationship between contractor selection, contractor monitoring and performance of road infrastructure projects at UNRA. In this study, a total number of 145 respondents were expected but 102 respondents returned the survey instruments representing a response rate of 70.3%. The data was collected using questionnaires and interviews and analysis was done using regression analysis and correlation coefficients for the quantitative findings. Qualitative analysis was done using content and thematic analysis. The findings revealed that there is a positive relationship between contractor selection, contractor monitoring and oversight role of PPDA and performance of road infrastructure projects. The results on contractor selection and performance of road infrastructure projects were r = .476**, p = 0.000 < 0.05, the results for contractor monitoring and performance of road infrastructure projects indicated that r = 0.427**, p = 0.000 < 0.05 and the results for oversight role of PPDA that r = 0.512, p = 0.00 > 0.05. It was concluded that: regular assessment and evaluation is necessary in order to ensure effective contractor selection. Contractors selected at times are not well managed or reviewed to ensure they meet evolving business needs hence ending up in numerous complaints. There is need to ensure proper contractor selection and monitoring through transparent and flexible bidding processes and following advice of the Regulatory Agency.
Contribution of Innovation towards the Competitive advantage of printing SMEs within the Kampala Central District.
(Uganda Management Institute, 2018-01) Wandega, Ruthie
This study assessed the contribution of innovation towards the competitive advantage of small and medium size printing enterprises in Kampala. The study covered the current period of 2017 because this is the time when Ugandan printing industry has greatly improved and become competitive. The study had the following specific objectives: i) To assess the contribution of product innovation on competitive advantage in printing SMEs in Kampala; ii) To assess the contribution of process innovation on competitive advantage in printing SMEs in Kampala; and iii) To assess the contribution of market innovation and competitiveness advantage in printing SMEs in Kampala. A cross-sectional survey study design was adopted for this research. Data was obtained through questionnaire, interviews, and documentary review. A total of 52 participants took part in the study from a sample of 64 respondents who were selected. This represents 81.25% total response rate from both the questionnaires and interview guide which was significant for the study. The results showed that competitiveness among the printing SMEs within Kampala Central Business District has increased over the years due to Ugandan government support to local investment initiatives. The study showed that innovation significantly affects competitive advantage among printing SMEs within Kampala Central Business District with product innovation accounted for 18.7%, process innovation accounted for 23.0% and market innovation accounted for 37.8% of the variances in competitive advantage of the firms other factors constant. It was concluded that an effective and efficient innovation is crucial to achieving competitive advantage among printing SMEs within Kampala Central Business District. It was recommended that staff be involved in developing innovation strategy so that its implementation is carried out with a true picture of what to be achieved by the SMEs within Kampala Central Business District. The study is expected to expand the body of knowledge in the area of innovation and competitive advantage. Suitable areas for further research were proposed not limited to “The impact of product innovation on competitive advantage of the firms”, and “The impact of innovation on the printing SMEs in other districts in Uganda”.
The Contribution of Performance Appraisal Process to Staff Performance in Local Governments in Uganda.The case of Manafwa district
(Uganda Management Institute, 2013-08) Walyaula, Joseph
The purpose of the study was to investigate the contribution of the performance appraisal process to staff performance in Local Governments in Uganda, the case of Manafwa District. The study had three basic objectives; To establish how the performance appraisal system and process adopted by Manafwa district and its impacts on staff performance, to find out the impact of performance based pay on staff performance in Manafwa District, to assess the impact of performance based training on staff performance. This research adopted a descriptive research design where the population of interest in the selected departments was visited. Six hundred seventy respondents were selected out of a population of 2200 possible respondents using purposive and stratified random sampling. The study used a questionnaire and interview schedule as primary data collection instruments supplemented by documentary review. Descriptive statistics and content analysis were used to analyze quantitative and qualitative data respectively. The research revealed that, performance appraisal process, performance based pay and employee training had a positive effect on employee performance in Manafwa District. It was concluded that Performance Appraisal can be used as an effective management tool to positively influence staff performance in Local Governments in Uganda. The study recommends that; Manafwa should take initiative to give proper training to all its’ staff in order to improve performance in all departments. Also to improve efficiency, Manafwa should adopt the system of performance based pay on all its’ employees. In addition, Manafwa should adopt Management by Objectives in order to improve performance of its staff.
The Contribution of Wetland Resources Management to Household Food Security in Nangabo Subcounty , Wakiso District, Uganda.
(Uganda Management Institute, 2013-12) Tumusiime, Teddy Tindamanyire M.
The study was conducted to investigate the contribution of wetlands resources management to food security in Nangabo sub-county of Wakiso district, Uganda. Specifically the study examined how planning and control systems for managing wetlands resources contribute to food security in a peri-urban area. Both primary and secondary data were used in the study from four parishes and eight villages of Nangabo Sub County. The study adopted a case study design. Out of the sample of 350, 330 responded, a response rate of 94.6%. The study found a positive correlation between control systems for managing wetland resources and food availability, thus contributing positively to food security. Systematic planning for water and soils in wetlands contributes positively to food productivity, based more on indigenous knowledge at community level than extension workers’ guidance. The study concluded that there is an apparent disjointed control system for managing wetlands resources for food security that has led to reduction in wetland ecosystem quality, threatened food availability and increased community vulnerability to food insecurity. The current planning and coordination of activities related to appropriate wetland management and food productivity is dysfunctional, increasingly threatening the livelihood systems of poor community. The study recommends that the wetlands Management Department, Wakiso district and Nangabo sub county technical staff undertake serious measures to redeem the remaining wetlands through serious awareness campaigns on the economic value of wetlands resources; develop bylaws to guide better control and planning for wetlands resources and food production. The Wetlands Management Department together with Ministry of Agriculture, Animal industry and Fisheries should clearly spell out the control systems and provide coordinated guidelines to reduce the conflict of interests and ensure that food production is maintained while the ecosystem resources are also maintained in equilibrium.
Corporate Governance and Financial Performance of Bank of Africa (U) Ltd
(Uganda Management Institute, 2017-11) Wandera, Gerald Obbo
From Bank of Africa report (September 2015) ,it was insinuated that Bank of Africa seems to have put in place formidable corporate governance structure to enable the bank perform better financially but liquidity risk arose from the possible inability of the bank to accommodate decrease in liabilities, Loan loss provision to total loans, poor expenses management, interest expenses, deposit mobilization in Uganda, large interest rate, market power and concentration, operational costs, taxation and core capital requirement and other factors have reduced the bank profitability, liquidity flow and return on investment thus affecting financial performance of the bank yet the bank. It’s from the study that the researcher came up with the following objectives; examinig effects of the Board structure, ascertaining the effects of ,determining the effects of Management Role on financial performance of Bank of Africa. The research adopted the agency theory in this study because it links relationship between principals (owners), management (agents) hired by owners and employees hired by management. Descriptive survey study design used quantitative and qualitative approaches to capture views, attitude and opinions of responds. Interview guide was used as the qualitative and questionnaire as the quantitative instrument. The population involved 120 employees of Bank of Africa and the sample size was 92. Purposive and convenience, were applied for respondents like the Managing Director and Heads of Departments who were to be seen at their own availability and convenience, stratified was used in order to obtain a representative sample and simple random sampling techniques were used for selection of respondents randomly because respondents had equal chances of being selected. The study revealed a number of findings including: Board structure , Ownership and Management Role all have effect on dependent variable. It’s recommended that: There is need to improve board structure by widening the board members to include some employees and they should be independent in making decisions affecting performance of the bank instead of working under shareholders’ influence, there is need to expand ownership structure by going public in order to widen capital base of the bank and also include more wealthier, knowledgeable and experienced owners in the business, Management needs to move away from old type of management of planning, organizing, coordinating and controlling to practice modern management approach as mentioned by Mintzberg.
Corporate Governance and Staff Performance in Private Secondary Schools in Uganda.: A case of St. Peters Secondary School Naalya
(Uganda Management Institute, 2018-01) AINEMBABAZI, MARGARET
The study examined the relationship between corporate governance and staff performance at St. Peter’s S. S. S Naalya. The study was premised on the following research objectives: to establish the relationship between board of governors function and staff performance at St. Peter’s S.S.S Naalya, to assess the relationship between school management committee function and staff performance at St. Peter’s S.S.S Naalya and to examine the relationship between school administration function and staff performance at St. Peter’s S.S.S Naalya. The study adopted a descriptive cross sectional research design where both quantitative and qualitative approaches were used. In this study, 67 respondents were sampled but 61 respondents returned the survey instruments representing a response rate of 91%. The data was collected using questionnaires and interviews and quantitative data analysis was done using regression analysis and correlation. Qualitative analysis was done using content analysis. Findings revealed that there is a positive significant relationship between board of governors function(r=.452**), school management committee function(r=.639**), school administration function (.358*) and staff performance at St. Peter’s S.S.S Naalya. The school does not have a functional board that operates formally. The existing board is that of the proprietors who constitute the board of Directors that serves two functions as the board of governors and board of directors. The Directors in the name of the board of governors have effectively overseen the conduct of the school’s business affairs for example authorizing payment and receiving reports from senior management on the day to day operations in the school. It was observed that the school administrators attend school meetings regularly for example lunch briefing s and staff meetings in general. It was recommended that: Organizations should clarify and make publicly known the roles and responsibilities of board and school management committees to provide stakeholders with a level of accountability. SMC should also implement procedures to independently verify and safeguard the integrity of the company's financial reporting. Managers should ensure proper internal control systems in the organization and on the other hand. Iinstitutions should strengthen the monitoring mechanisms in order to promote academic performance and excellence.
Corruption and Health Service Delivery at Kampala Capital City Authority Health Centers
(Uganda Management Institute, 2014-02) Nzogi, Richard
The study assessed the effect of corruption on health service delivery at Kampala Capital City Authority Health Centers. The objectives of the study included; to find out how bureaucratic corruption affects service delivery at KCCA health centers, to examine how conflict of interest affects service delivery at KCCA Health Centers and to find out how bribery and extortion affects the delivery of services at KCCA Health Centers. A case study research design was adopted employing both qualitative and quantitative approaches. Out of the targeted sample size of 161 respondents, 126 respondents participated in the study, which was equivalent to a response rate of 78.2%. The quantitative data was analyzed using descriptive statistics, Spearman correlation and regression analysis techniques. Qualitative data was summarized and presented using verbatim statements. The findings showed that, bureaucratic corruption affected service delivery by 23.9%, conflict of interest had 38.9% effect on health service delivery while bribery and extortion affected health service delivery by 18.9%. The results therefore mean that conflict of interest had the greatest effect on service delivery. In conclusion, the researcher observed that bureaucratic corruption which results into low morale among the health workers significantly contributes to poor health service delivery. Conflict of interest contributed to poor service delivery since it compromises the recruitment process and cheats the health centers of would-be competent and committed staff. Solicitation for bribes from the patients was also contributed to poor service delivery. The study recommended that KCCA should come up with strategies to motivate its workers, especially in the health department; streamline the recruitment system to minimize conflict of interest and seriously revise and emphasize the work ethics and code of conduct.
Credit Management and Loan Portfolio Quality of Commercial Banks in Uganda: A case study of Centenary Bank
(Uganda Management Institute, 2018-02) Akankwasa, Erasmus
The study examined the relationship between credit management and loan portfolio quality in Centenary Bank. Specifically, the study examined the relationship between credit appraisal; credit administration; and credit monitoring and loan portfolio quality in Centenary Bank. The study adopted a correlational research design where both quantitative and qualitative approaches were used. The study population was 125, questionnaires and interviews were used to collect data from 61 respondents. Whereas quantitative data analysis was done using regression analysis and correlation, qualitative analysis was done using content analysis. Findings revealed that credit appraisal, credit administration, and credit monitoring and recovery procedure, each had positive significant relationship with the loan portfolio quality in Centenary Bank. The study recommended that Banks should strengthen the implementation of the existing policy by ensuring enough resources and manpower is in place to implement the credit policy. Banks should always try to value all information about the customers with a high level when doing their credit assessment.
Credit Management and the Performance of Agriculture Loans in Uganda: A case of Hofokam Limited
(Uganda Management Institute, 2013-02) Kaahwa, Charles Isingoma
Despite several efforts by government, the private sector and Non Governmental Organisations (NGOs) to support agriculture through agricultural loans, the performance of agricultural loans to develop agriculture in Uganda is still below average. The study sought to examine the effect credit management have on the performance of agriculture loan as a product in HOFOKAM Limited. The study adopted a case study correlational survey design with a population of 99 respondents from which purposive sampling and simple random sampling methods were used to select the respondents. Data were collected from both the staff and clients of HOFOKAM using self administered questionnaires and interview guide. The findings indicated that there were positive significant relationships between credit risk assessment, credit monitoring, credit control and the performance of agricultural loans which was confirmation that credit management was a major determinant of agricultural loans performance at HOFOKAM. From the regression results, credit risk assessment, credit monitoring and credit control were strong predictors of agricultural loans performance. This is implication that improvement in credit risk assessment, credit monitoring and credit control would enhance the performance of agricultural loans at HOFOKAM. The study recommends therefore, that management at HOFOKAM offer specialized training to staff and clients in the area of credit management and also create awareness about the existing national polices and regulations to staff and clients. Management could consider putting in place a fully fledged customized credit management system to coordinate the risk assessment, monitoring and control functions. To study the true nature and quality of credit risk assessment, credit monitoring, credit control and the performance of agricultural loans, a longitudinal study is more appropriate. Since the model could only explain 30.6% in variance of the performance of agricultural loans, the study recommends that another study be carried out comprising of other variables which were not part of the model.
Credit Management Policies and Loan PortfolioPerformance in Commercial Banks: A case of Equity Bank, Adjumani Branch.
(Uganda Management Institute, 2013-11) Aromorach, Proscovia
This study was about the relationship between credit management policies and loan portfolio performance in commercial banks in Uganda focusing on Equity Bank Adjumani Branch as the case study. This study was guided by three research objectives which included; establishing the effect of Credit terms on loan portfolio performance in Equity Bank Adjumani Branch; to assess the effect of credit standards on loan portfolio performance in Equity Bank Adjumani Branch and to find out the relationship between collection procedures and loan portfolio performance in Equity Bank Adjumani Branch. The study used a cross sectional case study design which involved triangulation (use of multiple data collection techniques simultaneously) i.e. utilizing both quantitative and qualitative approaches. A representative sample of 218 respondents was selected from a population of 420 based on the Krejcie and Morgan 1970 table (Amin, 2005) for determining sample size for research activities. Out of the two hundred and eighteen (218) questionnaires distributed to the respondents, only 192 (one hundred and ninety two) questionnaires were returned representing 88.07% response rate. The findings revealed that Credit terms had a positive correlation with the Loan Portfolio Performance in commercial banks(r = 0.259** P< 0.01). This meant that the two variables are positively related. On the other hand, Correlation results indicated a significant positive relationship between Credit standards and Loan portfolio performance (r = 0.845**, p<.01) while on the other hand collection procedures had a positive correlation the loan portfolio performance (r =0.169**, p<.01). This means that the two variables were positively related. The study recommended improvement of staff and customer understanding on recovery of loans and its benefits. That loan scoring process is shortened. That credit department be properly resourced and facilitated to visit the client regularly.
Credit Risk Management and profitability in commercial banks in Uganda: A case study of Diamond trust bank
(Uganda Management Institute, 2018-01) Opiding, Aaron
The study focused on investigating the relationship between credit risk management and profitability in commercial banks in Uganda with specific focus on Diamond Trust Bank. The study was premised on the following research objectives: to establish the relationship between credit criteria and profitability in Diamond Trust Bank, to investigate the relationship between credit policies and profitability in Diamond Trust Bank and to investigate the relationship between risk mitigation measures and profitability in Diamond Trust Bank. The study adopted a descriptive cross sectional survey design where both quantitative and qualitative approaches were used. In this study, a total number of 101 respondents were expected but 85 respondents returned the survey instruments representing a response rate of 83.6%. The data was collected using questionnaires and interviews and analysis was done using regression analysis and correlation for the quantitative findings. Qualitative analysis was done using content and thematic analysis. The findings revealed that there is a positive relationship between credit criteria, credit policies and risk mitigation and profitability of Diamond Trust Bank. The results on credit criteria and profitability of Diamond Trust Bank were r = 0.197, p = 0.000 < 0.05, the results for credit policies and profitability of Diamond Trust Bank indicated that r = 0.353(**), p = 0.001 > 0.05 and the results for risk mitigation and profitability of Diamond Trust Bank revealed that r = 0.457(**), p = 0.000 < 0.05. The findings indicated that credit criteria, credit policies and risk mitigation explained 20.0% of the variation in profitability of Diamond Trust Bank (adjusted R2 = 0.200). Findings revealed that credit is extended to borrowers based on capacity, valuation of security is done before credit is extended to the borrower. Diamond Trust Bank has a strong credit policy that has been operation for some time now. It was recommended that instead of focusing on the credit criteria that has gaps, the bank should cast its eyes on a low cost fund source through intensive mobilization for example focus on urgency banking and use of platform fees for services like checking account balances using ATM. DTB should strengthen the implementation of the existing credit policy by ensuring enough resources and manpower is in place to implement the policy. There is need to identify and determine the extent of risk at an early stage take.
Critical Success Factors for Out Sourced Distribution Services and the Performance of National Medical Stores, Uganda
(Uganda Management Institute, 2014-01) Kazibwe, Norbert
This study examined the Critical success factors for outsourced distribution and performance of National Medical Stores (NMS) in Uganda. The independent variable was critical success factors while the dependent variable was performance of NMS. The objectives that guided the study were: To determine the compliance of outsourced distributors on performance of NMS; to determine the internal infrastructure on performance of NMS; and to establish whether organizational culture of outsourced distributors is critical to the performance of NMS. The adopted a descriptive and analytical design, which involved the collection of data from NMS staff and outsourced distributors’ staff, using both qualitative and quantitative approaches. Data were collected using questionnaires and an interview guide. The key findings showed that compliance of outsourced distributors, the infrastructure of outsourced distributors, and the organizational culture of outsourced distributors positively and significantly contributed to the performance of NMS, with organizational culture registering the strongest correlation. The policy implication of this is that NMS should always do background checks on organization culture of outsourced distribution services. In addition, compliance is found to have a strong correlation with performance. This calls for monitoring of compliance to set guidelines for outsourced distributors during their contract period. To increase compliance, NMS should therefore frequently engage Information Communication Technology (ICT) Consultants with clearly defined terms of reference (TOR) notable among of which should be: to systematically examine the loopholes in their technological components; map out the implications and lessons for their communication activities and design. NMS management should frequently engage with management system consultants, staff and set clearly defined terms of reference (ToRs) on improvement of internal infrastructure.

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