Masters Degree Dissertations

Permanent URI for this collectionhttp://localhost:4000/handle/20.500.12504/179

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Determinants of interest rate spread in Uganda’s banking sector
(Kyambogo University (Unpublished work), 2024-07) Kutosi, Demas Lukoye
Interest rate spreads are one of the main indicators for banking sector efficiency and financial sector development. Interest rate margins or spread are a key determinant of financial intermediation and access as well as economic growth. Uganda has one of the highest interest rate spreads in Sub-Saharan Africa. However, there is limited understanding of the underlying causes of bank spreads in Uganda. A puzzling question in banking and finance literature that endures is what are the key drivers of high bank spreads in Uganda? This study examined the sources of interest rate spreads in Uganda. It analyzed the bank, non-consumer and macroeconomic factors influencing bank spread in Uganda, spanning the period from Quarter 4 2008 to Quarter 4 2022 using ARDL modelling approach. The findings indicate liquidity risk and bank rate have a significant positive long run influence on spread whereas credit risk, Return on Assets, Operational Efficiency, GDP growth and Financial Sector Development had a significant negative long run impact on spread. However, Reserve Requirement and Inflation had an insignificant impact on spread in Uganda’s banking sector. The study suggests that commercial banks and policy makers in Uganda should consider the internal, industry and macroeconomic environment in coming up with measures to enhance the sector’s efficiency. This research did not include all the factors influencing interest rate spread such as leverage ratio, market concentration, public sector domestic borrowing thus future studies are recommended to examine their effect on interest rate spread.
Determinants of balance of payments among countries in eastern Africa
(Kyambogo University (Unpublished work), 2024-05) Mutale, Robert
Balance of Payments plays a crucial role as an economic indicator, giving valuable perspectives on economic exchanges of a nation on the global stage. Despite its significance, numerous African nations consistently grapple with deficits in their BOP, lacking clear explanations for such shortfalls. This dissertation employs fixed effects and random effects estimations to investigate the determinants of BOP, focusing specifically on Eastern African countries. Drawing upon data from World Bank development indicators spanning from 1991 to 2021, the study utilizes various econometric techniques to discern underlying trends. Key findings reveal that foreign direct investments exert a positive influence on BOP, while money supply, gross domestic product and trade openness exhibit negative impacts. Specifically, foreign direct investments emerge as statistically significant drivers, suggesting the need for policies that encourage and facilitate their inflow. In light of these results, fostering an environment conducive to foreign direct investment through incentives, infrastructure investment, and the establishment of favorable legal frameworks are recommended. Additionally, certain variables were found to have negligible impact on BOP, underscoring the importance of focusing efforts on factors proven to be statistically significant.
Modeling predictors of poverty in agricultural households in Uganda: application of multilevel and interaction methods
(Kyambogo University (Unpublished work), 2024-07) Habimana, Robert
This study aimed to model predictors of poverty in agricultural households in Uganda using a multilevel and interaction regression model. The research utilized data from the Uganda National Household survey (UNHS 2019/20) data from Uganda Bureau of Statistics. A logit model was used in the estimation and estimates were provided using Multilevel methods approach. Key findings suggest that poverty in agricultural households was positively and significantly influenced by gender of the household head, marital status of the household head, income stability of the household, age of the household head and livestock ownership. Additionally, regional differences accounted for 17.9 % of the variations in poverty levels in Uganda and understanding such regional differences and their influence on poverty levels can assist policymakers and organizations in designing targeted interventions and policies. Such measures can address the specific challenges faced by different regions and promote more equitable development across Uganda. However, poverty in agricultural households was negatively and significantly influenced by residence status, saving accounts ownership and household size. Based on the study's findings, the key policy recommendations were; government should continue implementing gender-focused interventions to address gender disparities especially women empowerment programs such as access to resources including land, equal access to employment opportunities and equal access to education to reduce poverty among women. Regarding income instabilities in agricultural households due to price fluctuations, government should empower famers to form farmer groups where they can collectively increase their bargaining power to avoid price fluctuations.
Determinants of access to bank credit by smallholder agricultural households in Uganda: evidence from UNHS 2019/2020
(Kyambogo university (Unpublished work), 2024-07) Areebahoona, Anthoney
The purpose of this research was to investigate the determinants that affect smallholder farmer’s access to bank credit in Uganda. The study used data from the Uganda National Household Survey 2019/2020 (UNHS). The study utilized a logit regression model for the data analysis. The findings from the logit model showed that farmer’s access to bank credit in Uganda was positively and significantly influenced by sex of the household head, income level of the household head, marital status of the household head, age of the household head and ownership of a bank savings account. The study’s conclusions led to the development of key policy recommendations. These include promoting a savings culture through various initiatives, providing incentives such as special savings accounts or matching deposit programs, creating customized banking products to carter to farmers needs and offering free tertiary education to graduates of Universal Primary Education (UPE), Universal Secondary Education (USE), and Universal Post O level Education and Training (UPOLET).
Adoption of information communication technology (ICT) and determinants of performance of SACCOs’ in Uganda
(Kyambogo University (Unpublished work), 2024-10) Kabugo, Robert
The study focused on adoption of ICT and determinants of performance of SACCOs’ in Uganda. The three specific objectives included: to investigate the effects of ICT on SACCOs’ performance, to determine other factors that determine SACCOs’ performance in Uganda. Further, the study investigated the determinants of ICT adoption among SACCOs in Uganda. The study used primary data collected from different SACCOs that had embraced the use of ICT in their operations in Uganda. A population of 420 reflecting sample size of 201 SACCOs was interviewed. The study employed a multiple logistic regression model to analyze the effect of ICT on SACCOs’ performance and other factors that determined SACCOs’ performance in Uganda. The study also used an ordered logistic regression model to explore the different factors that determine SACCOs’ ICT adoption levels in Uganda based on three levels that is low, medium and high. The study results revealed that ICT expenditure and number of functional computers were positive and statistically significant at 0.04 percent with ICT adoption and 7.6 percent respectively holding other factors in the model constant in influencing profitability. The study further found out that total accumulated savings and total loan portfolio amount of the SACCO were positive and statistically significant at 0.256 percent and approximately 0.2 percent respectively holding other factors constant in the model and membership size was positive though non-significant in influencing the performance of the SACCO. The ordered logistic model results revealed that number of ICT trained staff, internet access, number of ICT training and age of the SACCO were factors that positively and significantly determines the probability of SACCO ICT adoption levels at 1% and 10% respectively. The study therefore, recommended that SACCOs should earmark more funds for ICT adoption and use, increase the availability of functional computers since they had significant effect, encourage and motivate members to save more and also continuously train their staff in ICT related tools among others to improve SACCOs performance and also adopt ICT in their operations.
Factors affecting domestic tourism in Uganda : insights from the Uganda national household survey 2019/2020
(Kyambogo University (Unpublished work), 2024-07) Esule, Joseph
This study investigates the effects of individual, socioeconomic and technological factors on domestic tourism in Uganda. The aim of the study was to fill the gap on domestic tourism literature and provide information on key variables that affect domestic tourism in Uganda. The study estimated a logit model to establish and quantify the effect of individual characteristics, socio economic factors and technological factors on domestic tourism participation in Uganda. The source of data for this study was the Uganda National Household survey 2019/20. Results of the study showed that education level, household size, employment status, access to internet, access to mobile phones, and disability status positively and significantly affected participation in domestic tourism. Further, residence in urban area negatively and significantly affected participation in domestic tourism. As a key recommendation based on this study findings, Government should continue to invest in education for all which will in turn enhance appreciation for domestic tourism. The Government should also consider incorporation of tourism education in the National curriculum. Further, the Government should invest more in Information Communication and Technology (ICT) infrastructure as this would enhance participation in domestic tourism.
Foreign direct investment- economic growth Nexus in Uganda
(Kyambogo University (Unpublished work), 2024-08) Akweise, Moreen
The research examined the causal interaction between Foreign Direct Investment (FDI) and Economic Growth using annual time series data spanning from 1983 to 2021. Data was obtained from the Ministry of Finance Planning and Economic Development (MoFPED), Bank of Uganda (BoU), Uganda Revenue Authority (URA), and the World Bank. The research employed a VAR test, where FDI causes economic growth in Uganda. Furthermore, ARDL approach was used to investigate the factors influencing economic growth in Uganda. In the long-run, inflation and trade openness have a positive and statistically significant effect on GDP at 5% level of significance. In addition, the lending interest rate and exchange rate were found to have a negative and statistically significant effect on GDP. In the short run, economic growth is positively influenced by FDI and the exchange rate at 5% level of significance, while it is negatively influenced by inflation and the lending interest rate. The study recommends the need to channel foreign direct investments in strategic economic sectors like energy, oil and gas and transportation that have stronger economic growth multipliers by offering a range of tax incentives, holidays/ concessions and breaks, the need for Bank of Uganda to control the high lending interest rates offered by commercial banks, and the need to promote trade openness by reducing barriers to trade such as quotas, tariffs and non-tariff barriers to create a more open and predictable trade environment.
The determinants of child labor in Uganda : evidence from the Uganda national nousehold survey 2019/20
(Kyambogo University (Unpublished work), 2024-10) Atuheire, Ben
This research investigated the determinants of child labor in Uganda. The objectives of the study were to investigate the effect of the individual, household and community characteristics on child labor. The study used Uganda National Household survey (UNHS) 2019/2020. The study used a Logit model to estimate the determinants of child labor in Uganda. The key findings suggested that child labor was positively and significantly influenced by age of the child, sex of the child, size of the household, biological father dead, residence of the household, parents level of education, distance to the source of firewood and sector of employment. However, child labor was negatively and significantly influenced by household income, region of location and distance to the source of water. The key policy recommendations of the study were; on distance to fire wood, government should enhance awareness of the population on measures to reduce environmental degradation through afforestation, reforestation, agroforestry, and preservation of the natural forests; government promote household access to clean sources of energy such as solar energy, biogas and rural electrification; on distance to the water source, government of Uganda should put in place measures to reduce distances covered to access clean water by drilling boreholes, facilitating poor households to construct water harvesting tanks and improving on existing wells.
Energy consumption and Uganda's economic growth
(Makerere University, 2023-12) Mutumba, Geoffrey Ssebabi
This study investigates the relationship between Energy Consumption and Uganda's Economic Growth (1982 to 2018). Specifically, the study investigates the short and the long run causal relationship between Energy Consumption and Uganda's Economic growth. Secondly, the study investigates the pass-through effect of shocks from Renewable Energy Consumption to Uganda's Economic Growth. Finally, the study investigates the pass-through effect of shocks from Non-Renewable Energy Consumption to Uganda's Economic growth in the period under the review. The study uses Granger Causality Test and Vector Error Correction Model (VECM) to estimate the short run and the long run causal relationship between Energy Consumption and Uganda's Economic Growth. Secondly, the study uses the Structural Vector Autoregression to estimate the pass-through effect of shocks from both Renewable and Non-Renewable Energy Consumption to Uganda's Economic Growth in the period under the review. The analyses in this study presents mixed results. The Granger causality test results show a causal relationship running from renewable energy consumption and non-renewable energy consumption to Economic growth. The VECM results indicate a negative relationship running from renewable energy consumption and non-renewable energy consumption and economic growth in the short run, while appositive relationship running from renewable and non-renewable energy consumption to Economic Growth in the long run. Although the results from Granger Causality Test and VECM indicate that Energy Consumption promotes Uganda's Economic Growth, there is no pass-through effect of shocks from both Renewable and Non-Renewable Energy Consumption to Uganda's Economic Growth in the period under the review. This study makes a contribution to energy economics literature by making an extension to the endogenous growth theory by adding Energy Consumption which is primarily endogenous to the growth process. It also contributes to exogenous growth theory by establishing Energy consumption as a key input to the growth process. The policy implications in this study includes the following; Energy Transition from Traditional Biomass to Modem Energy sources should be encouraged as this can promoted the use of Clean Energy in the country. Secondly, Public Private Investments in the Energy Sector should also be encouraged in order to promote more supply of energy in the country. Finally, Energy Policy and Governance should be streamlined in order to promote Clean Energy Development in the country and thus encouraging faster Economic Growth.
Savings-economic growth nexus in east African community
(Kyambogo University [unpublished work], 2023-08) Sirikye, Samuel
The study investigated the saving-economic growth nexus in East African Community (Uganda, Kenya and Tanzania) for the period 1990-2019 using time series panel secondary data extracted from World Development Indicator database. Specifically the study was to investigate the direction of causality concerning savings and economic growth, examine the impact of gross national savings and other macroeconomic variable on economic growth. The study employed Fisher ADF and Fisher PP to test for stationarity of the variables. The unit root test results showed, lending rate (LRATE) foreign direct investment (FDI) and gross domestic product (GDP) were stationary in level, gross national savings(GNS), gross fixed capital formation (GFCF),exchange rate(EXRATE) and trade openness (TRADE) were stationary after first differencing and inflation (INF) become stationary after second differencing. The Vector Autoregressive (VAR) model was used to establish the causal direction between economic growth (GDP) and gross national savings (GNS) and panel least square used to determine the impact of savings and other macroeconomic variables on economic growth. The VAR estimate shows one way causal direction concerning savings and economic growth. The panel least square fixed effect results revealed that gross national savings has a negative but insignificant effect on economic growth which contradicts the priori expectations that savings positively and significantly affect economic growth, foreign direct investment (FDI) and gross fixed capital formation (GFCF) positively and significantly affect economic growth while trade openness (TRADE) and lending rate (LRATE) negatively and significantly affect economic growth. The study recommended adoption of policies that boost investment (GFCFC), policies that reduce lending rate to encourage borrowing for investment, increase foreign direct investment in productive sectors of the economy and export valve added products. Keyword: Vector Autoregressive model, Panel least square fixed effect, Gross national savings, and Economic growth.
Levels, economic savings and determinants of technical efficiency in public health centre III facilities in south western Uganda
(Kyambogo University [unpublished work], 2023-08) Mugisha, Innocent
Basic to human welfare is good health and it is fundamental for socioeconomic development of any economy. Faced with resource constraints especially in the health sector, technical efficiency among the healthcare agents is a global concern to ensure proper utilization of the scarce resources to deliver good healthcare services to people. About 20 to 40 percent of the 7.5trillion US dollars spent on health sector globally is wasted to inefficiency (Xu et al., 2018). The general objective was to investigate the determinants of Technical Efficiency in public Health center (HCIII) facilities in South Western Uganda. The study was guided by three specific objectives namely (i) to estimate the TE scores among HCIII facilities, (ii) to establish the level of economic savings that can be achieved when technically inefficient facilities achieved technical efficiency and finally (iii) to examine the socioeconomic determinants of technical efficiency in HCIII facilities in South Western Uganda. The study uses a cross sectional descriptive research design with a sample of 30 public HCIII facilities in South Western Uganda. A Constant Returns to Scale (CRS) output-oriented Data Envelopment Analysis (DEA) technique was adopted to estimate TE and slack values for economic savings while a Tobit regression second stage model was applied for the socioeconomic determinants of TE among various public HCIII facilities. Secondary data was obtained from Uganda Bureau of Statistics (UBOS), District Health Information System (DHIS) and District Planning Units for health inputs and outputs as well as socioeconomic characteristics of the population in South Western Uganda for the financial year 2020/21. The findings of the study reveal that 47 percent of the public HCIII facilities were technically efficient and the average TE score was 72 percent implying that the facilities need to improve resource utilization by 28 percent to become technically efficient. The study concludes that unemployment rate, infectious diseases patients, catchment population, patient population below 5 and above 65 years, urban location and competition were the significant determinants of TE for HCIII facilities in South Western Uganda. The study finally recommends reallocation of resources within facilities, increasing resources for facilities and improving social services facilities to improve on the technical efficiency levels for HCIII facilities in South Western Uganda.

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