Browsing by Author "Sunday, Arthur"
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- ItemAn assessment of degree of service quality of some selected commercial banks in central Uganda ; perception of bank customers.(ESRSA Publications Pvt ltd, 2013) Burani, Aluonzi; Sunday, Arthur; Turyahebwa, Abanis; Byamukama, Eliab; Sumil, ManuelThis study was concerned with the assessment of degree of service quality provided by some selected commercial banks in central Uganda. The objectives of the study were to determine (i) demographic profiles (ii) degree of service quality and (iii) significant differences between services provided by the selected commercial banks. The study employed ex post facto design, cross sectional survey, correlation design and quantitative paradigm. Self-Administered Questionnaires were used with CVI = 0.85 and reliability of r = 0.95 obtained using cronbach alpha method. Data was analyzed using descriptive statistics and t-test. The major findings included male being majority (52%) and female 48%. In terms of age group of (20-39); obtained 81% and 60 and above were 3%. Diploma holders were 32% and Ph.D holders were 1%. UBA customers being majority (58%) and Global Trust Bank score 42%. In terms of determining the degree of service quality in selected commercial banks in central Uganda, the responsiveness, competence, credibility, security, accessibility and understanding of the service were rated successful apart from reliability of the service which was rated was fair meaning not reliable. With t value = 2.401 and sig or p = 0.017 at 0.05 level of significance alternative hypothesis was accepted to the effect that there is a significant difference in degree of service quality as perceived by customers of the two selected Commercial Banks in Central Uganda. The study recommended the banks to change customer perception and win the good will from the customers, the staff should endeavor to provide the service promptly, quickly and accurately and the service provider should have alternative power to enable the service provider work 24 hours.
- ItemClients drop out and financial performance of micro finance institutions in Uganda: a case study of Uganda Finance Trust Central Branch(Kampala International University, College of Economics and Management, 2007-10) Sunday, ArthurMicro finance Institutions in Uganda seek to provide clients from poor households with a range of money management and banking services. Micro finance is important to the well being of the society because it improves on the welfare, wealth and general standards of living for those people involved in micro finance activities. Despite Micro Finance Institutions effort to support the low income earners by providing financial services, a high rate of clients drop out has persisted. The problem arising out of these excessive levels of client dropout is that they are likely to have negative effects on the financial performance of Micro Finance Institutions. Basing on the above problem, the study was set; to assess the impact of client dropout on the financial performance of Micro finance Institutions in Uganda and also To determine the factors responsible for clients dropouts in Microfinance Institutions in Uganda ~The research was based on a qualitative case study design of a descriptive nature and analytical based on structured questionnaires where the sources of data for this research were primary and secondary sources The findings of the study revealed that Dropouts are the most important factors that lead to losses, which in the long run lead to capital erosion. Dropouts affect profitability by reducing the interest earned on loans. Additionally, they lead to increase in operational costs that have the impact on profitability and Capital Growth since they loose interest earned on loans. The analysis of the findings, Indicates that the structure of various programs has influenced the dropout’s rate significantly. The lack of grace period, high interest rates and poor loan monitoring are structural problems that need to be addressed seriously. The research recommends that Microfinance institutions in Uganda should design client responsive products, Introduce client exit surveys, have group guarantee systems, encourage Loan restructuring, train credit officers, Credit reference, charge customer friendly Interest rates, and Increase in loan terms.
- ItemFinancial performance in the selected micro-finance institutions in Uganda(ESRSA Publications Pvt ltd, 2010) Sunday, Arthur; Turyahebwa, Abanis; Sumil, Novembrieta; Byamukama, EliabThis study was undertaken to examine the degree of financial performance in the selected Microfinance institutions central region, Uganda. The ex- post facto or retrospective, prospective designs and descriptive survey design, and specifically descriptive comparative and descriptive correlation strategies were employed. A minimum sample of 266 was used in data collection and analysis. Data was analysed using means and t-test. The findings revealed that the degree of financial performance in the microfinance institutions in central region Uganda is high with an overall average mean of 3.09 this implies that that most financial institutions in Uganda are financially sound. The contingency theory by Joan Wood wards (1958) as cited and explained by Simons‟ (1995) levers of management system control model was authenticated and validated. The conclusion was drawn that the degree of financial performance in the microfinance institutions in central region Uganda was generally high and it was recommended that Microfinance institutions should enhance financial reporting framework to improve on the liquidity position, improve assets value, market share, financial sustainability as well as portfolio quality.
- ItemManagement control system in selected micro finance institutions in central region, Uganda.(ESRSA Publications Pvt Ltd, 2013) Sunday, Arthur; Turyahebwa, Abanis; Byamukama, EliabThis study was undertaken to examine the levels of Management Control system in the selected Micro-finance institutions central region, Uganda. The expost facto or retrospective, prospective designs and descriptive survey design,and specifically descriptive comparative and descriptive correlation strategies were employed. A minimum sample of 266 was used in data collection and analysis. Data was analysed using means and t-test. The findings revealed that the level of management control system in the micro-finance institutions in central region Uganda is efficient with an overall mean of 3.23.The contingency theory by Joan Wood wards (1958) as cited and explained by Simons’ (1995)levers of management system control model was authenticated and validated. The conclusion was drawn that the level of Management control system was generally efficient and it was recommended that Micro-finance institutions should enhance, strengthen set and establish strong and effective control systems: all of the financial, operational and other control systems which are carried out by internal controllers and which involve budgeting, monitoring,independent evaluation and timely reporting to management levels systematically in order to ensure that all the institutions activities are performed by management levels in accordance with current policies, methods, instructions and limit.