Faculty of Management studies

Permanent URI for this communityhttp://localhost:4000/handle/20.500.12309/10

Browse

Now showing 1 - 20 of 179

Organizational restructuring and job satisfaction in the Uganda Investment Authority
(Islamic university in uganda, 2004-10) Mukasa, Issa
The overall objective of this study was to investigate the effect of organizational restructuring on employee job satisfaction. Uganda Investment Authority where the study was carried out is a service delivery organization whose ability and competence to handle its customers by applying best practices significantly impact on the Uganda's development process through foreign direct investment inflows. A study was carried out using descriptive survey design. Both qualitative and quantitative approaches were used to collect data. An analysis of the data revealed that clarity of roles and duties before the restructuring process is a significant predictor and an important ingredient in the success of the restructuring process. One obtrusive recommendation that emerged was that UIA should hire qualified human resource manager to handle all the human resource functions as a starting point towards consolidating employee job satisfaction and achievements of the restructuring process. Further study has been recommended on the effectiveness of the restructuring policy given the increasing unemployment levels.
The effects of internal audit practices on the operational effectiveness of Busia District Local Government
(2005) Musungu, Stephen
The research was basically carried out to evaluate the effects of Internal Audit practices on the operational effectiveness of local governments using Busia District as a case study. The study objectives included to identify the effect of Internal audit practices on operational effectiveness of Local governments, to identify the problems faced by Busia District Local Government in the use of Internal Audit function and to suggest ways in which problems in the use of Internal Audit practices can be solved in order to improve the operational effectiveness of Busia Local Government and Local Governments in general. The population on which the study was carried out included Public Servants within U1 and U8 scales who perform audit work and financial management duties and politicians who make decisions of financial nature at both district headquarters and sub county Headquarters. A sample of 62 people both Civil Servants and Politicians was chosen for the research. Various methods were used in the collection and analysis of the data. The methods of data collection included interviewing, documentary evidence and questionnaires. The data analysis methods employed included descriptive statistics which provided percentages in tables and regression and correlation methods using excel and SPSS Computer Packages. Literature review was made and reconciled with the findings for discussion and conclusions. With the coefficient of determination adjusted R square 0.979 the results show that the effect of Internal Audit practices explain 97.9% of the total variation in the data. The P-value of the coefficients of independence is 0.045, view on objectives of Internal Audit is 0.008, level of skills is 0.001 and involvement routine operations is 0.002, which are below or less than 0.05 significant level. The results therefore show that Internal Audit practices which include independences, view on the main objectives of Internal Audit practices, skills of Internal Auditors and involvement in routine operational tasks have a significant contribution on operational effectiveness of the District. The P-value of the coefficient of level of financial and other facilitation given to internal audit practices for carrying out operations is 0.075, level of Internal control is 0.140 and status plus benefits is 0.050179 which is above or more than 0.05 significance level. The results also show that although three other factors of Internal Audit contribute to operational effectiveness of the district, they do have significant contribution. They include the level of financial and other facilitation given to Internal Audit practices to carry out their operations, level of internal controls and benefits and status of Internal Audit practices. The majority of the responses 65% indicated that there is a problem of lack of Independence of Internal Audit practices from management in Busia district from Table 4.2.2. The majority of the responses 77% showed that there is a problem of biased view that Internal Audit practices are fault finding in Busia District as can be seen from Table 4.2.3. The Personnel records revealed that there is a problem of biased view that Internal Audit practices are fault findings in Busia District as can be seen from Table 4.2.3. The Personnel records revealed that there is a problem of lack of high skills necessary for Auditors in Busia District to be effective. The circular standing instruction No 2 of 2003 by Permanent Secretary Ministry of Public Service revealed that there is a problem of lower status and benefits for Internal Auditors in Busia district and leads to retention of low quality staff. The majority of the responses 94% revealed that there is involvement of tasks; of Busia district which empower the objectivity of internal audit function in Busia district. The small budget allocations and lack of transport facility allocation in district budgets and asset registers of Busia District shows that there is a problem of deliberate under facilitation of internal audit practices in Busia District. The revelation in the Auditor General’s report of the error ridden and unreliable Accounts shows that there is a problem of lack of strong internal controls in Busia district. Therefore, it was suggested that in order to solve the problems faced in the use of Internal Audit practices and improve operational effectiveness of the District, independence of Internal Audit practices should be ensured and enhanced, view on the main objectives of Internal Audit practices should be changed to positive on the advisory position rather than the negative fault finding. Skills of Auditors should be improved by continuous training and involvement in routine operational tasks eliminated. Suggestions were also made to the effect that although factors including level of financial and other facilitation given to Internal audit practices. Internal Controls could also be strengthened by the management to ensure completeness and accuracy of records to avoid the unreliability and errors in the financial statements. Suggestion was also made for status and benefits of Internal Audit practices to be improved in order to improve the quality of staff, and avoid compromise and have staff with independent opinion and approach.
The impact of current performance appraisal system on employee effectiveness in Kalangala District Local Government
(2005) Ssembajja, Juma. N
This study was carried out among 88 local councilors and members of staff of Kalangala District to assess the significance of the appraisal system on employee performance in the District. This research was done using a questionnaire because all the respondents were literate and could adequately serve the purpose. However, also other data collection methods were used including interview guide, observation and focus group discussion. To analyze this data SPSS computer program was used. The results indicated that there is a positive correlation between effectiveness and performance at 0.139 which is 13.9% meaning effectiveness is significant on performance. On the other independent variables like experience, education, age, number of subordinates which constitute 19% of effectiveness as well as 6.5 of performance. In conclusion, it’s hypothetically true that appraisal is not effective on performance but if correctly used is significant and can increase performance. There are other factors which contribute to performance that must be investigated. As gender and experience were more significant as compared to education. It recommends that more sensitization need to be done and review of the whole appraisal system with reference to environment, motivation and management style of the area so as to improve performance of staff to realize the mission of the organization.
The Influence of Working Capital Management on the Effectiveness of Service delivery at The Islamic University In Uganda
(Islamic university in uganda, 2005-03) Kiyuuka, Ashraph
The research was designed to investigate the influence of Working Capital Management on the effectiveness of service delivery in Universities in Uganda with the Islamic University in Uganda as a case study. The objectives of the study include identifying the effect of Working Capital on effective delivery of services, establish the challenges that lUlU faces in its Working Capital Management and to determine the level of Management of Working Capital in lUlU.
An assessment of the functioning of health sub-districts under decentralized health services in Mbale District
(2006) Waniaye, Kenneth. Khatuli
This study was carried out in Mbale district to assess the functioning of the health sub Districts under the decentralized National health policy. The study was prompted by the fact that in spite of the creation of HSDs with good intentions of improving health service delivery, the report of the Mbale DDHS (Quarterly report, April 2005) to the LC V Council indicated that the communities in Mbale district remained dissatisfied over the delivery of health services. The study adopted a survey research design so as to cover a wider area of the district and collect views that are representative of the situation in Mbale district. With this research design, a questionnaire, interviews, focus group discussions and observation were used to collect data from heads of health units, and the DDHs at the district. In addition, focus group discussions with Health unit Management Committees and questionnaires to directly collect data from staff in the health units. The results of the study indicate that the quality of health services delivery of the HSDs is still poor, community participation is not adequate and the allocation of resources is still based on the MOH guidelines. There are several challenges such as poor support supervision, lack of adequate facilities, inadequate staffing and low attitude for the communities to come for health services in the Health centers within the HSDs. It is concluded, from the evidence in the study that the functioning of the Health sub Districts in Mbale district has not effectively advanced the MOH strategy to deliver the UNMHCP as part of furthering decentralization of health services under the National Health Policy to the populace. The study recommends among other things, the need for the office of the DDHS to disseminate information about the National Health Policy, sensitize and facilitate the HUMCs to effectively function in accordance with the UNMHCP guidelines of the decentralized National Health Policy.
Bureaucratic impediments to decentralization in Mbale District Local Government
(2006) Nangoley, David
The research was about the bureaucratic impediments to decentralization in Mbale District Local Government. The set objectives were: (a) To establish the degree to which bureaucracy impedes decentralization in Mbale. (b) To find out the respondents perception towards bureaucracy in relation to decentralization in Mbale district. (c) To examine the level of commitment of Local Government officials towards the implementation of decentralization in relation to bureaucracy in Mbale district. The research design was a descriptive survey that was used in the study. This is because the sample was quite large and yet worked towards the minimization of bias and maximization of reliability. In all, it took in to account all steps involved in survey concerning the bureaucratic impediments to decentralization in Mbale District Local Government. The results indicated that bureaucracy largely impedes decentralization to a greater extent but with the view that bureaucracy as a management model should be maintained in a more precise approach but could enhance quick service delivery to the targeted beneficiaries at the grass roots. Above all, the Local Government officials were to a greater extent committed to decentralization in relation to bureaucracy in Mbale district. Basing on the findings, it was suggested that bureaucracy be streamlined in an approach that could guide the administrative and management roles to make decentralization achieve its objectives. For example by harmonizing bureaucracy with decentralization. The local Government officials were to develop an effective and efficient and precise approach to bureaucracy through motivation in both pecuniary and non-pecuniary terms for model education to the implementation of decentralization in Mbale District Local government.
The impact of credit management on the performance of savings and credit cooperative organizations in Mbale district
(2006) Ojiambo, Wilberforce
This research examines in depth the impact of credit management on the performance of Savings and credit Cooperative Organizations (SACCOs) in Mbale district. The three main objectives of this research were, first to establish the current strategies of loan delinquency management operated by SACCOs in Mbale district, secondly to ascertain the effectiveness of the credit management process as implemented by SACCOs in Mbale district, and thirdly to identify whether there is a relationship between credit management processes of a SACCO and its performance indicators. The research generates some pertinent findings about SACCOs operations in Mbale district. The major findings were that, SACCOs are faced with a number of credit management problems ranging from high demand for loans, high delinquency, and small size loans to clients, liquidity and cash flow problems, un customized loan policies and procedures, as well as high operational costs among others. All these factors have combined to derail effective credit management processes which have consequently hampered effective performance of SACCO. Despite these problems the research identifies SACCOs as viable financial institutions whose services reach the poorest of the poor in the areas under served by banking services. On the basis of the research findings, the research provides appropriate recommendations for effective credit management. The identified recommendations range from aggressive loan recovery procedures, investment in staff training, need for new product development, customization of existing by laws as well as loan policies and procedures.
Decentralization and the delivery of health services in Kasese District.
(2006) Mwero, Joseph
The study focuses on health service delivery under a decentralized dispensation in Kasese District. Specifically, the study sought to ascertain the human resource capacity in the health sub sector, assess the availability of the material resources required in the health units and whether the services being offered are accessible to the people. The study also aimed at assessing the perception of a community on whether they are satisfied with the health services being offered at government health institutions. The area of study was Kasese District and the main focus of the study was on the grassroots people, the final consumer of health services. Field data was collected from 118 respondents from 10 sub counties from where the 10 health institutions under study were selected. Interviews were held with four senior civil servants at the district headquarters, 34 health workers and 80 grassroots people to access the human resource capacity, availability of materials, accessibility and peoples’ perceptions. Other methods employed in collecting data included the use of questionnaire, documentary review and direct observation. The study established that indeed the delivery of health services has been devolved to the district, health sub-districts and down to Health centers, IV, III and II which have had significant contribution on health service delivery. It was discovered however, that there is very low human resource capacity of 46% with hardly any motivation to work. There was ample evidence to show chronic shortage of drugs, medicines, equipment and supplies which make health services inaccessible to the people. As a result, people are not satisfied with the health services being offered at government health institutions. Similarly, the study established that although the functions and responsibilities to deliver health services have been devolved to the district, they have not been matched with adequate human, material and financial resources. The need to consolidate these was found to be critical to the provision of quality health services. Owing to the inadequacy of both human and material and financial resources. The need to consolidate these was found to be critical to the provision of quality health services. Owing to the inadequacy of both human and material inputs, the study concludes that health services have remained inaccessible despite the improvements under decentralization. It recommends the enhancement of the human and material inputs for quality and accessible health service provision.
The effects of price fluctuations on production and exports of vanilla crop in Mukono district.
(2006) Omara, Thomson
This dissertation on the effects of price fluctuations on production and export of vanilla crop was carried out in Mukono district. The study adopted both qualitative and quantitative designs in the data collection, analysis and presentation of the findings. Qualitative designs were used in presenting the findings in narrative forms using quotations from respondents, and quantitative methods were used in presenting findings in tabular form and use of graphs for easy interpretation. The findings indicated that farmers in Mukono produce a variety of crops for home consumption and market purposes, asked on what type of crop farmers produce most, responses indicated that there is high production of vanilla for marketing as compared to other crops, the findings also showed that both farmers and the exporters responded differently to the changes in vanilla prices in that some farmers are withdrawing from the cultivation of vanilla but are willing to scale up their production when the prices start rising up again. It was also revealed that the vanilla price changes have had more impact into the family set up in terms of brining conflict as a result of reduced income to meet family needs, school fees have become unaffordable as a result of reduced production. It was also discovered that, much as the price of vanilla is not stable in both the local and international markets, there has been continued production though at a reduced quantity for market for survival of farmers. The study found out that marketing of vanilla is mostly done either through middlemen or some farmers export it directly. It was as well found out that Uganda Vanilla Association is in existence but it is not dong its role as it was established to perform. It was established to, train farmers and exporters on how to handle marketing challenges, market vanilla worldwide on behalf of farmers/producers and sensitize farmers on production and how to go about exporting vanilla directly outside the country without selling to the middlemen, but these are not being done. Basing on the study finding, the following recommendations were thereafter made:- • There should be an established training program for farmers on the production, marketing procedure and processes of agricultural products since these agricultural products are frequently faced with price fluctuations that is why they are complaining a lot about the effect of these price changes onto their farm output. • Exporters should also be trained on export regulations and how they can competitively capture the foreign export markets other than being out competed by large-scale commercial producers and exporters in other countries. • Activities of Uganda vanilla Association should be strengthened and clearly made known to both farmers and exporters and registration of members should cut across both parties other than concentrating on only exporters and few prominent farmers. This will reduce the imbalance in promoting and protecting the interests of both farmers and exporters. • Government should come in and encourage farmers to organize themselves into associations that can have a high bargaining power for the prices of their produce. This should be done through establishment of a price regulatory board that comprises of government officials and the committee members from the farmers associations so established. • To help save both farmers and exporters from over exploitation, credits and soft loans should be availed to growing commercial farmers to establish processing plants within Uganda here so that before these vanilla are exported out, some value must have been added onto it. This can be done through either reviving of former cooperative societies or even forming new ones so that they are the ones to give out these soft loans to farmers other than them acquiring it from the numerous commercial banks here at high interest rates that may become difficult for them to repay it back thus worsening the situation for both farmers and exporters in the long run.
The factors influencing the effectiveness of clocking system: a case study of Uganda Electricity Board
(2006) Okoya, John. Beckeys
The purpose of the study is to investigate the extent to which systematic planning, commitment and resistance to change had an impact on the failure of the UEB clocking system. The objectives were to establish whether there was a thorough diagnosis of the problem before introducing the clocking system, to establish whether the Clocking system was an isolated intervention, which did not correspond with the rest of the elements of the organizational system such as the structure, the tasks and the people, to establish level of resistance to change after the introducing the Clocking system and to relate systematic planning, commitment and resistance to change to the failure of the clocking system. The study used a case study research design. Both quantitative and qualitative techniques of data gathering were used. A sample size of 174 was selected using purposive sampling. Frequency count and percentages were computed using this package. A correlation and regression analysis was then used to find out the relationships and influence of systematic planning, commitment and resistance to change on the outcome of the Clocking system. The findings of the study were that systematic planning and commitment were low, and resistance to change was high. It was also established that there is a relationship between systematic planning, commitment, resistance to change and the outcome of the Clocking system. However, the relationship was much stronger between systematic planning, and the outcome of the Clocking system, followed by resistance to change and commitment. In other words, the systematic planning had the most influence on the outcome of the Clocking system, followed by resistance to change and commitment. It is recommended that the change effort should be systematically planned, organization widely and managed and communicated from the top with the assurance of the top management commitment and should be the result of less resistance to change. This would make the introduction of the clocking system acceptable in the organization.
An assessment of telecommunication services and its role on the performance on the business community in Mbale municipality
(2006) Okeny, Barnabas
This research set out to investigate the causes why the usage of telecommunication services in Mbale Municipality is low despite the rapidly growing coverage, services and customer base resulting in low rate of socio-economic development. The research investigated the relationships between usage and prices, service quality, service quantity and the customer’s opinion on telecommunication services as a factor of development. The researcher selected a random sample of 188 respondents from within Mbale Municipality and administered a 40 question questionnaires to them. The results showed that the respondents could be divided into five usage categories of heavy, good, moderate, light and occasional users. The majority of the respondents were found to be in the light and occasional categories revealing the need for affordable telecommunication services. Analysis of the results revealed a close relationship between telecommunication usage and price, service offered and quality of services. The customers agreed by an overwhelming 76% that telecommunication services have positively impacted on the socio-economic development in the Municipality. The researcher therefore concluded that the rate of socio-economic development would have been higher if the prices were made lower, quantity and quality of services increased all of which would attract greater usage.
Factors affecting local revenue generation in Arua District between 1999 and 2005
(2006) Onzu, Ismal
The research is on factors affecting local government The Local governments Finance Commission revealed in a study conducted in 2003 that local revenue performance declined by 20% in just four years. The objectives of the study were to identify the factors that have led to poor performance of local revenue, evaluate the Local Government’s revenue generation efforts and assess the involvement of tax payers in tax revenue generation and utilization. Purposive sampling was used to key actors in local revenue generation. A combination of content analysis, interviews, observations and focus group discussion were used to collect the required data. The findings reflect 30-50% increases in revenue realization with minor fluctuations ranging between 10-25% over the study period. It was however noted that the local government expenditure trends increased at a higher rate than the increase in local revenue. For instance in Koboko Town Council expenditures increased by 100% against 40% revenue growth in the same. Recommendations presented in this study focus more on the need to improve service delivery and link it to revenue collection, commitment of political leaders to revenue enhancement and involvement of citizens in management of financial resources. As a recommendation to review the revenue sharing policy to match with service mandate is also proposed. Local governments should come up with comprehensive revenue enhancement strategy. Establishment of local governments’ tax authority at regional level (embracing the regional tier) should be considered. Its role would be, to optimize local revenue collected by administering and enforcing the law relating to the revenue assessment and collection.
Customer care and sales performance in the commercial banks in Mbale Municipality
(2006) Wakabala, Phinehas. Kuka
The major purpose of the study was to establish the influences of customer care on sales in the commercial banking sector in Mbale municipality. This study was conceived after realizing that while some banks had increased their sales performance, others had instead declined in their sales performance. Inspite of that, a number of banks operating in Mbale rose from about three in 2000 to seven in 2005. The decline in roles performance could not be explained by increased competition, since a few banks had increased their sales performance. The study covered three banks in Mbale Municipality in operation from 2001 to 2005. 400 (four hundred) customers and 50 (fifty) bank contract staff formed the study population. An analytical cross section survey was used. The findings based on occurrences (0) and percentages (%) on customer care and sales performance. The findings showed that customer care has a significant influence on sales performance. The study also indicates that there are other marketing capabilities (promotion, advertising customer data base) that contribute positively to sales performance. The findings show that these banks have challenges of introducing new points of sales services say more ATM (Automated Teller machine) at strategic points in the municipality, and then also reduce on the rates/penalties for minimum deposits on various accounts.
The effects of credit policies on the performance of loan officers in centenary rural development bank Kampala branches
(2006) Kwagala, Milly
The research was about the effects of Credit Polices on the Performance of Loan Officers in Centenary Rural Development bank, Kampala branches. These were the set objectives to determine the effects of the credit policies on the performance of loan officers:- 1. Determine the current credit policies in Centenary Rural Development Bank 2. Determine the effectiveness of the credit policies in the Bank using selected parameters Determine the performance of loan officers in Centenary rural development bank. A sample size of 70 (seventy) loan clients from the four branches were selected using simple random sampling in order to avoid bias and to get a representative sample from the study population. Thirty eight (38) loan officers were purposively selected to participate in the survey and were given questionnaires. The data collection process comprised self-administered questionnaires that were distributed to a sample of 50 loan clients. The questionnaires consisted of both open ended and closed ended questions. The open ended questions allow a flow of qualitative data to the questionnaire. Another random sample of 20 loan clients were subjected to direct interview using a survey guide. The study used the parameters of portfolio growth, number of loans processed, arrears rates and processing sped of loan officers to measure the performance of loan officers in the bank. In order to assess the effects of credit policies on the performance of loan officers, a chi—square, regression analysis, and descriptive statistic was used. Results indicate that 1) there are clear credit policies in the bank 2) the information policy and the arrear rate parameter need to be revised in order to be effective and register good performance, 3) the performance of the loan officers is above the average of 50% but below the set target of 80%. Based on the findings, it was suggested that some of the policies be revised and the management should develop means to change the attitude of loan officers towards the credit policies, and develop an attitude of appreciating the credit policies as a control and not hindrances to performance.
The Factors Influencing the Effectiveness of Clocking System: A Case Study of Uganda Electricity Board
(Islamic university in uganda, 2006-01) Okoya, John
The purpose of the study is to investigate the extent to which systematic planning, commitment and resistance to change had an impact on the failure of the UEB Clocking System. The objectives were to establish whether there was a thorough diagnosis of the problem before introducing the Clocking System, to establish whether the Clocking System was an isolated intervention, which did not correspond with the rest of the elements of the organizational system such as the structure, the tasks and the people., to establish level of resistance to change to after the introducing the Clocking System and to relate systematic planning, commitment and resistance to change to the failure of the Clocking System.
Effectiveness of local authorities in the establishment of commercial real estates in Mbale Municipal council
(2006-01) Musamali, Washington
This study was about the effectiveness of local authorities in the establishment of commercial real estates in Mbale Municipality. The major objectives of the study were: To establish the relationship between the effectiveness of local authorities and the establishment of commercial real estates in Mbale Municipality. To determine the effectiveness of local authorities in the planning process for commercial real estates in Mbale Municipality. To assess the challenges faced by local authorities in their bid to establish effective planning for commercial real estates in Mbale Municipality. In order to obtain research findings, the data was collected and analysed using both the descriptive and inferential statistics. The analysis was done using the statistical package for social scientists where regression analysis was carried using the least squares method and significance of the factors influencing the establishment of commercial real estates in Mbale Municipality. The results of the study indicated that three major factors influence the effectiveness of local authorities in the establishment of commercial real estates in Mbale Municipality which include: Political interference, Government policy and the law enforcers, The study also revealed that three challenges facing policy implementers and law enforcers include: Politics, Funds availability, and Ethical component of the personalities The Study suggests that there is need to Separate politics from developmental issues, Effective qualitative and quantitative staffing, Personnel being more serious in offices of public interest.
The effects of credit policies on the performance of loan officers in centenary rural development bank, Kampala branches.
(Islamic university in uganda, 2006-01) Kwagala, Milly
This research was about the effects of credit policies on the performance of Loan Officers in Centenary Rural Development Bank, Kampala branches. These were the set objectives to determine the effects of the credit policies on the performance of loan officers; 1) determine the current credit policies in Centenary Rural Development Bank, 2) determine the effectiveness of the credit policies in the Bank using selected parameters, 3) determine the performance of loan officers in Centenary Rural
Effectiveness of the district technical planning committee in the performance of Sub County Health units in Mbarara district
(Islamic university in uganda, 2006-03) Besiga, Stephen
The main subject of this dissertation is centered on the DTPCs effectiveness in enhancing the performance of sub county health units. The research is a case study of Mbarara District which is situated in south western Uganda. The scope of the study covers the DTPC and 22 Sub county health units while the research contributions to the existing body of knowledge are centered on the main subject. The study design was cross sectional, non experimental retrospective and involved one contact with the study population. The study population of 68 key informants included technical staff and political leaders at the District and sub county level, health staff and members of sub county health unit management committees.
The effects of organizational climate on employee effectiveness in Iganga town council local Government Administration
(Islamic university in uganda, 2006-03) Mukoka, Yusuf
The purpose of this study was to examine and assess the effects of organisational climate on employee effectiveness in service delivery in local governments, using lganga Town Council Local Administration as a case study. The objectives of the study were to: (i) Identify the contribution of the current working climate to effectiveness of employees in Iganga Town Council Local Administration. (ii) Determine the effects of organisation climate in ITC in terms of organisational rewards, promotion policy, organisational commitment, support and others on employee effectiveness. (iii) Assess the challenges faced by ITC m its effort to enhance employee effectiveness. Data was collected using two different questionnaires; organisational climate questionnaire and employee effectiveness preference questionnaires and rated together on a five point Likert scale.
The impact of FOCCAS Uganda on the socio-economic welfare of its clientele in Mbale Municipality
(Islamic university in uganda, 2006-09) Okware, Sam
The study was conducted in Mbale to investigate the impact of loans from FOCCAS (U) on the livelihood of its clientele in Mbale Municipality. The methodology, which was used to carry out the study, was descriptive, where both qualitative and quantitative approached were used to gather data from respondents regarding loan acquisition, loan recovery processes and impact on their household incomes and socio-economic welfare as a whole. The result from the study indicate that FOCCAS (U) loans have greatly impacted on its clientele by enabling them build and acquire more houses (85%), educate more children up to higher institutions of learning by 57%, expand their businesses by 67%, afford more meals by 78%, buy more domestic animals by 87%.

Browse

Browsing Faculty of Management studies by Issue Date