Bachelors of Science Degree in Statistics

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Interest rates on magnitude of agricultural and mortgage loans in Uganda (1994-2012)
(Kampala International University, College of Economics and Management, 2013-05) Ogwal, Bonny Rolex
The study carried on the relationship between interest rates on loans sizes disbursed specifically agricultural loans and mortgage loans obtained the data from bank of Uganda website. Interest rates was measured as percentage weighted lending rates, mortgage loans as percentage mortgage loans of billions of shillings, agricultural loans as percentage agricultural loans of billions of shillings during the 1994-201 2 period. The objectives were to establish the trend of interest rates, agricultural loans and mortgage loans over time. It intended to work out the relationship between interest rates on agricultural and mortgage loans. By the aid of time series graphs i.e. correlogram, the interest rates was irregular/not stationary over time, agricultural loans exhibited an inverse hyperbolic pattern whereas mortgage loans showed an exponential growth pattern. A scatter plot gave a graphical relationship between agricultural loans and interest rates which revealed a very small relationship with points widely scattered and also the relationship between mortgage loans and interest rates was shown to be weak though positive. Correlation analysis was conducted for the relationship between agricultural loans and interest rates where the correlation coefficient was negative, mortgage loans and interest rates showed a positive coefficient though weak. In addition regression analysis was conducted where agricultural loans and mortgage loans were regressed on interest rates and the resuhs showed no strong relationships for the respective loans. The hypothesis of the study was that no significant relationship existed between loans and interest rates and this was accepted as the null hypothesis at 0.05 level of significance using i-test and one tailed test concluded that there is no significant relationship between the respective loans and interest rates. Therefore, recommendations were made that. in order to improve loans accessibility to the Ugandan population, the various stakeholders should emphasize other factors such as sensitization or awareness, proper appraisal of collateral, investments and savings etc while regulating interest rates on mortgage loans
Imports and economic growth in Uganda (1995-2011)
(Kampala International University, College of Economics and Management, 2013-06) Ayen, Moris Okucu
This research report set out to investigate the relationship between imports and economic growth (measured by GDP) in Uganda (1995-20 1 1), the study employed time series survey data since examined data for a short time ,its objectives were; to establish the trend of import in Uganda(1995-201 1, to establish the trend of GDP growth of Uganda(1995-201 1) ,to investigate the relationship between import and GDP growth in Uganda (1995-2011), the hypothesis of the study was there is no significant relationship between imports and GDP growth in Uganda time series analysis such Correlation analysis, regression analysis mechanisms were used. The trend of imports and GDP growth showed a general increase with percentages change of 80.65 and 66. 1 percent respectively. Using the correlation, regression approach, there was a strong positive correlation between imports and GDP growth(r 0.994 ),there was also significant relationship between imports and GDP growth at 0.05. level of significance,) stationary was tested and found that both imports and GDP has trend by using ACF and PACF. In conclusion therefore. both import and GDP growth has a general increase, there is a positive relationship between import and growth in Uganda which agreed with Khan(1997), Grima(1982),Connolly(1998) study on imports and GDP growth this has implied that the importation of goods and services play a very important role in economic growth of Uganda. The trend in import implies that as people income increases the demand ~or foreign goods and services increases. The study has also supported the theory of comparative advantages since developing country like Uganda cannot foster without importation of goods and services. Finally Uganda should embark much on the exportation of good to increase on the country level of growth.
Population growth and unemployment in Tanzania: (2002 — 2012)
(Kampala International University, College of Economics and Management, 2013-07) Othman, Ali Khamis
The purpose of the study was to test the hypothesis of no significant relationships between population growth and unemployment in Tanzania from 2002 to 2012. To generate new information based on the finding of the study. Further the study was to bridge the gaps identified from the related literature and related studies. 1.4 Research Objectives 1.4.1 General Objective To investigate the relationship between population growth and unemployment in Tanzania from 2002 to 2012. 1.4.2 Specific Objectives i) To determine the demographic characteristics of the respondents in terms of age, gender, employment and education levels. ii) To determine the level of population growth in Tanzania. iii) To determine the level of unemployment in Tanzania iv) To determine the correlation between population growth and unemployment.
Exchange rate and bank loans in Uganda :
(Kampala International University, College of Economics and Management, 2013-08) Kuac, Ngong Ngor
This research set out to investigate the relationship between Exchange rate and Bank loans in Uganda for a period of eleven years from 2002 to 2012. The study employed the cross sectional research design since it basically examined secondary data over the above period; It was also a descriptive-correlation since it was interested in examining the relationship between the independent variables and the dependent variable. The Population of this study was the published and non published reports on the variables under study. The objectives were; to examine the changes in the lending rates, establish the changes in exchange rates (American dollar and British pound) and to determine relationship between exchange rates and lending rates from the period of 2002-2012 in centenary bank. The study found out that there has been a continuous increment in the rate at which CERUDEB has been giving out loans to its clients within the studied period since the rate grew from 7.1 in 2002 to 9.2 by 2007. The second objective of the study set out to establish the exchange rate. It was established that the lowest exchange rate of the dollar was experienced in 2002, followed by a gradual increase up to 2006. It also shows two peaks, one experienced in 2004 and the second one experienced in 2010 from which the exchange rate declined till 2012. The exchange rate for the British pound displays a more or less a linear relationship of exchange over time. The lowest having been experienced in 2002, then a gradual increase up to 2004 followed by a marked decline in 2005. From this time the exchange rate increased gradually till the time when the exchange rate reached its highest in 2009. Basing on the findings it was also established that exchange rate has got a significant effect on lending rate.
Exchange rate and gross domestic product in Uganda (2003-2012).
(Kampala International University, College of Economics and Management, 2014-04) Matokeo, Kimbe
This research study was about Exchange Rate and Gross Domestic Product (GDP) and it was conducted in Uganda. This research study was guided by three objectives, that is, to determine the level of exchange rates in Uganda (2003 — 2012), to determine the level of GDP in Uganda (2003 — 2012), and to establish whether there is a relationship between exchange rates and GDP in Uganda (2003 — 2012). The research hypothesis was “There is no relationship between exchange rates and GDP growth rates in Uganda (2003 — 2012)” Therefore time series analysis such Correlation and regression analysis were used in analyzing data. The researcher found out that the level of exchange rate in Uganda (2003 — 2012) has been increasing though with some fluctuations. Generally, the exchange rates in Uganda have been increasing from 92.2 in 2003 to 124.6 in 2013; also he found out that the GDP growth rates had some ups and downs of fluctuations with the highest GDP rates in Uganda was in 2008. Concerning the third objective of the study, this was concerned with establishing relationship between exchange rates and GDP in Uganda (20013 — 2012). In this, the researcher found out that there is a negative correlation between exchange rates and GDP in Uganda (20013 — 2012), with (r -0.470). This led to the rejection of the null hypothesis. The negative relationship between exchange rates and GDP growth rates indicated that increasing exchange rates leads to decreasing GDP growth rates in Uganda. The exchange rates in Uganda have been increasing showing a continued loss of value of Ugandan currency. This is not good as the real purchasing power of domestic currency reduces comparably to international currency. However, continued depreciation also makes the imports expensive hence promoting domestic production of goods and services. The results indicated that the GDP has been increasing though at a decreasing rate. Uganda experienced the highest growth rate in 2006 and the least in 2013. In finding relationship, it also shown that the effect of exchange rate on GDP growth rates in low. This means that there are other factors affecting GDP in Uganda. It however important to note that if Uganda is to improve GDP growth rates, there is a need to maintain exchange rates low to match economic growth
The contribution of labour force on economic growth rate in Uganda (1997 -2012)
(Kampala International University, College of Economics and Management, 2014-06) Abubakar, Wada Zakari
Contribution of Labour Force Economic growth rate in Uganda (1996-2011). Its objectives were; to establish the trend of Labor Force Participation Rate in Uganda (1996-2011), to establish the trend of GDP growth rate in Uganda (1996-2011), to investigate the relationship between Labor Force Participation Rate and GDP growth rate in Uganda (1996-2011). The hypothesis of the study was, Ho: there is no relationship between Labor Force Participation Rate and GDP growth rate in Uganda. Analysis such as correlation and regression analysis mechanism was used to establish relationship and stationary was tested using Auto correlation and Partial auto correlation Function. The trend of Labor Force Participation Rate showed a general increase mean while GDP growth rate had a cyclical fluctuation for the period under studied (1996-20 11) in Uganda. Using the correlation, regression approach, there was a weak negative correlation between Labor Force Participation Rate and GDP growth rate(r = -0.256) and the strength of relationship (R2 = 0.0655), there was no relationship between Labor Force Participation Rate and GDP growth rate at 0.05 level of significance,) stationary was tested and found that both Labor Force Participation Rate and GDP has trend by using ACF and PACF. In conclusion therefore Labor Force Participation Rate has a general increase and GDP growth rate has shown a cyclical fluctuation; there is no relationship between Labor Force Participation Rate and Economic growth in Uganda as compared to other studies which showed positive and negative relationship and the both variables were found to be having trend. I would recommend the government to embark on birth rate control through family planning methods to slow down the level of population growth.
Accidents and mortality rates in Kampala, Uganda
(Kampala International University, College of Economics and Management, 2014-06) Sabiiti, Gard
The study was about the relationship between accidents and mortality rate. The objectives of the study were:-To establish the level of accidents in Uganda, to determine the level of mortality rate in Uganda, to establish the relationship between accidents and mortality rate in Uganda. The study found out that there was a weak relationship between accidents and mortality rates and the mortality rates largely depended on the other factors. Among the causes of accidents human behavior was the most significant cause while weather condition was the weakest cause. It was also suggested that mass sensitization of road users be largest done to improve on the human character of road users in order to reduce accidents. It was evidenced that there is a relationship between accidents and death rates though it was not a strong one. Other causes in Uganda were found out the biggest cause of death according to the report by the ministry of health of Uganda. Construction of wide well designed roads and emphasis on the improvement human behavior were proposed. It was concluded that the mortality rate in Uganda largely depend on other factors and therefore since malaria was proved to e the biggest determinant, the mosquito net policy should be compulsory and proper medication given to the malaria victims. The study also advocated for the mass sensitization of the public road traffic policy since every one is a road user.
Personality traits and academic performance in statistics among business students of Kampala International University Main Campus
(Kampala International University, College of Economics and Management, 2015-10) Erac, Tonny
This study examined the effect of personality on academic performance. Participants were Business students of Kampala international university who voluntarily participated in the study. They were asked to complete a personality questionnaire (NEO-FFI); academic performance was measured in term of marks in test among business students including their demographic data. The correlation type of descriptive research design was used for the study. One hundred and thirty students constituted the study’s sample. Results showed that Personality traits of (openness to experience, conscientiousness, extraversion, agreeableness and Neuroticism) were negatively correlated with academic performance. The findings imply that university authority should construct learning environments that take into consideration students’ individual differences and strengths. Appropriate counseling interventions should be used to assist students experiencing worry, anxiety, frustration and stress to deal with their concerns.
Value added tax and its contribution to domestic revenue :
(Kampala International University, College of Economics and Management, 2016-06) Okia, Lazarus
The purpose of this study was to investigate the degree of contribution of VALUE ADDED TAX (VAT) on the domestic revenues collected by the Uganda Revenue Authority. The research was inspired by the view that the researcher having read a series of literature on Value Added Tax followed by theories on the enormous contributions anticipated initially from VAT. Studies by some authors revealed that VAT had led to substantive contributions to total domestic collections in other countries like Kenya, South Africa, and Nigeria among others and same was and is hoped to add amounts needed to develop the economy and avoid debts leading to own dependence. This, therefore, made the researcher to design research questions of the study basing on the above foundation to prove whether or not VAT comes in handy with benefits and find reasons why it still performs dismally. The instruments used in data collection were mostly records got from previous reports of URA, guides from URA officials and internet. The trend of revenue performance showed that introduction of VAT led to a tremendous increase in domestic revenue by 9.98% per year as compared to 2.54% before it was introduced. This therefore meant that there was a significant contribution by VAT to the countries domestic revenue, VAT also had appositive influence on gross domestic product of about 20,000-40000 which almost doubled the revenue (10,000-20,000) for before existence of this tax confirming appositive initiative taken by government to introduce VAT. Following all the findings and interpretations made thereon, the researcher had to come out with among others; Government should undertake more simplifications of the VAT approaches, the MFPED should carry out more technical reviews on the VAT on sale of residential properties and tax investment incentives for international companies, the tax body should investigate and register all VAT taxpayers above the gazette threshold, taking care to identifying those taxpayers who are splitting their turnover with an intention of evading the VAT process.
The contribution of small scale businesses and provision of employment to labor force case of Mityana central market
(Kampala International University, College of Economics and Management, 2016-06) Namakula, Ruth
The study examined the various activities in which SSBs absorb the labor force of Mityana Central Market in Mityana district. The study was guided by four objectives which include: To identify the different activities of SSBs in which labor force is employed, to establish the relationship between SSBs and provision of employment to labor force, to identify the size of businesses that provide employment to labor force and to find out the challenges limiting activities of small scale businesses in their role to provision of employment to labor force. The study also used data collection methods such as a questionnaire. Both qualitative and quantitative methods were used to analyze data. The study revealed that most business owners had challenges that hindered their business operations. taxes and other regulations. Problems in the context acquisition of licenses for registration, duplication of products have been attributed to competition. This has culminated into the widening of markets emphasizing of the traditional guarantee associations as Mityana Central Market. The study revealed that most people who own businesses in the area of study used own savings as a startup capital for their businesses hence operating at a small level with a structural hierarchy of own boss and support staffs thus leading most businesses to be tied shop businesses with less than 5 employees. Despite the challenges faced by SSBs as taxes and other regulations, competition from similar operations, transport costs, efforts have been undertaken to increase the role of such businesses n the provision of employment to labor force. The study recommended SSB owners to employ ~workers who are qualified in certain fields like records keeping, good and well established infrastructures can help in the performance of SSBEs and therefore better performance.
Infant mortality rate and medical care in Kaliro District
(Kampala International University, College of Economics and Management, 2016-08) Nabeeta, Zephania
The purpose of the study was to examine the impact of medical care on infant mortality rate in Kaliro district. Specifically, the study was guided by three objectives. Firstly. to examine the trend of infant mortality rate in Kaliro district from 2006 to 2014: secondly, to establish the relationship between the constructs of medical care and infant mortality rate in Kaliro district using longitudinal data from the year 2006 to 2014 and third to establish the causes of infant mortality rate in Kaliro district using longitudinal data from 2006 to 2014. The study was majorly quantitative in nature. The longitudinal/cross sectional design was used based on secondary data on infant mortality rate and indicators of medical care. Trend analysis (scatter graphs with fitted linear lines) were used to identify the trend of mortality rate: Pearson’s correlation coefficient (r) was used to identify relationships among the variables while regression analysis was adopted to identify the significance and likelihood effects of the different medical care constructs. Based on the findings. the study concluded that infant mortality rate has been declining. Medical care access has a significant impact on infant mortality rate. The constructs of’ maternal care. labor and delivery care access, access to health services and immunization coverage, have significant influence on infant mortality rate: that is to say. reduces the likelihood of infant mortality rate. The study recommended that: there is need for district health officers to carry out massive sensitization among pregnant mothers to attend antenatal and postnatal health care services to ensure safe delivery. On the other hand. health practitioners at health centers should encourage pregnant mothers to practice effective family planning while those diagnosed with HIV/AlDs should he encouraged to take ART treatment. Government and other stake holders such as Nongovernmental organizations should put up more health facilities to ensure that there is even access to medical care and health care. Secondly Health practitioners should ensure that pregnant mothers are monitored and supervised to ensure safe delivery at the health centers. This would serve to reduce infant mortality rate. Thirdly there is need to ensure that infants receive full dose of immunization for BCG, DPT and measles by health actors in the district.
Access to basic necessities and standard of living in Bombo, Uganda
(Kampala International University, College of Economics and Management, 2016-08) Abdul, Mutwalib Mustafa
This research was concentrated on the linkage between access to basic necessities and standard of living in Bombo, Uganda. The study objectives were: to find out the demographic characteristics of the respondents, and to determine the level of the respondents’ standard of living in terms of access to education, access to food, and access to health care. Data was collected using self-administered questionnaires. The study used simple random sampling technique to draw representative samples and 52 respondents were involved in the study. The null hypothesis was intended to investigate whether there was no significant difference between demographic characteristics and standard of living. Similarly, the alternative hypothesis was intended to investigate whether there was a significant difference between demographic characteristics and standard of living. Tables, graphs and pie charts were used to analyze the demographic characteristics and the level of standard of living. On the second objective of finding the level of standard of living, it was found out that the standard of living in terms of access to education, access to food, and access to health care was low. On the third objective, the findings of the study revealed that only age had no significant difference with the standard of living as depicted by the p-value less than 0.05 (p
Financial statement analysis and decision making process :
(Kampala International University, College of Economics and Management, 2016-08) Mugisha, Ambrose
The study analyzed the effect of financial statement analysis on decision making process a case study of centenary rural development bank Kampala town Uganda. The specific objectives of the study were, to determine whether management make use of financial statement in decision making, to fmd out and identify the role of financial statement in proper decision making, to identify the limitation pertaining to the use of financial statement in decision making. The study used qualitative and quantitative data sources to analyze data collected. This was done with the aid of computer packages Ms word and Ms excel whereby charts and graphs were presented. The study found out that to a small extent (13%) financial statements are based on by the management to make good economic decisions. However, majority of the respondents agreed that the management make good economic decisions without basing on financial statements. To the limitations of financial statement in decision making, loss of data is one of the biggest challenge limiting financial statement in decision making a 37.5% The financial statement analysis should provide working experience through combining theoretical skills band practical skills, it should provide useful recommendations and suggestions to the organization on improving the financial reporting.
Impact of private investment on economic growth of Burundi (2000-2015)
(Kampala International University, College of Economics and Management, 2016-10) Ndayikeza, Josee Marie-Dieu
This research report was set out to investigate the impact private investment on economic growth (measured by GDP) in Burundi (2000-2015), the study employed time series survey data. its objectives were to; Examine the trend of private investments in Burundi, Establish the trend of economic growth of Burundi through its GDP and Assess the impact of private investments on economic growth of Burundi. The hypothesis of the study was there is no significant relationship between private investment and GDP growth in Burundi. Time series analysis such as Correlation analysis and regression analysis mechanisms were used. The trend of private investment and GDP growth showed a general increase for years from 2095 to 2009.However there has been a decline since 2014. Using the correlation and regression approach, there was a strong positive correlation between Private investment and GDP growth(rvO.58), there was also significant relationship between the two variables at 0.05 level of significance). In conclusion the research revealed that private investment accounts hugely for the economic growth of Burundi. Finally recommendations suggested that there is need for peace as a priority in Burundi if investments are to be realized as it used to be before. Further the government needs to review its taxation policies so as to attract more investors.
Cash management and performance of microfinance institutions :
(Kampala International University, College of Economics and Management, 2016-10) Kukirisa, Richard
The impact of government revenue in form of taxes, inflation, and government expenditure on economic growth in Kenya from 1992-2012.
(Kampala International University, College of Economics and Management, 2016-10) Gideon, Maingi Mutua
The purpose of this study was to establish the impact of taxes, inflation and government expenditure on economic growth in Kenya. The study sought to establish the effect of taxes on economic growth, the effect of inflation on economic growth and the effect of public expenditure on economic growth. The study focused on a period of 20 years after major liberalization of trade took place in Kenya. Secondary data was used and it was derived from various relevant bodies such as the Kenya National Bureau of Statistics. The data collected was analyzed using excel spreadsheets. Data was also obtained from Kenya Revenue Authority. The study revealed that there is a linear relationship between each of the independent variables and the dependent variable. Further the study showed that the relationship is not only linear but also positively linear. Multiple correlations of the independent variables that is government expenditure, taxes and inflation and the dependent variable that is economic growth as measured by GDP showed a positive relationship. The regression results showed that taxes and government expenditure increase the level of GDP of Kenya. The results also showed that different levels of inflation affect GDP in different ways. Some levels of inflation increase GDP whereas some levels of inflation decrease GDP. The conclusion of the study is that there is a linear relationship between taxes, inflation, government expenditure and economic growth. The main recommendation is for the policy makers to ensure optimal combination of taxes, inflation, and expenditure that achieves maximum economic growth.
Real exchange rate, inflation rate and private investments in Uganda (1990-2014)
(Kampala International University, school of Economics and Management, 2017-05) Adam, Mohamed M. Abdulahi
The main objective of the study is to examine the impact of real exchange rate and inflation on private investments in Uganda. The two objectives were to determine the effect of real exchange rate on private investment; to determine the effect of inflation rate on private investment. The study used Real exchange rate, Inflation rate, Bank credit, Foreign direct investment, Public investment and trade as the determinants of private investment using secondary data for a period of 1990-2014 gathered from the world bank database. Analysis was carried out using a combination of both correlation and an ordinary least squares multivariate regression model. The data shows that the level of private investment has steadily been increasing for the 24 -year period considered in this study. Furthermore, the rate of inflation in Uganda has been quite irregular though averagely stable in the recent years with some slight movements up and down. Additionally, the real exchange rates have been decreasing though at a rather irregular rate for between 1990 and 2014. The results of the regression analysis show that there exists very significant negative effect of real exchange rate on private investment in Uganda. Further analysis indicates that there exists a negative and significant effect of inflation rate on private investment after log transformation in Uganda. The study concludes that inflation is very insignificant in explaining the observed trend in private investment. Thus, an increase in inflation may lead to a decrease in private investment. The study further concludes that there is a very significant negative effect of overall real exchange rate on the level of private investment in an economy. In other words, an increase in the average value of real exchange rate in the economy is expected to result into a decrease in the average level of private investment in the economy. Since the results reveal that mild changes in the overall rate of inflation have got a stimulatory effect on private investment, the study recommends that it is imperative for the policy makers to adopt structural reforms that will keep the inflation rate in check so as to stimulate the economy. Furthermore, due to the very significant effect of the real exchange rate (price level) on private investment in Uganda, the study recommends that policy makers ought to adopt strategic and systematic that would prevent the exchange rates from escalating through strategies that would bring more foreign currency into the economy since its impact on private investment can easily be felt. The study also recommends that policy makers should formulate competition policies within the Ugandan trade sector as this will not only help reduce fake goods in the market, but also help expand access to finance for private investors as this will bring more money in circulation, offer wider choices of products, and encourage better services hence economic growth ofthe country.
Service delivery and customer satisfaction in organizations :
(Kampala International University, College of Economics and Management, 2017-07) Kauma, Betty
This work sought to access and analyzes service delivery and customer satisfaction in organizations specifically S.O.U.L Foundation, Uganda and Jinja was purposively chosen for this work. The main problem for this study was to ascertain whether customers are satisfied with service delivery of S.O.U.L Foundation given that the organization has not fully attained its goals. The objectives of the study were to determine the relationship between service delivery in the area of education and customer satisfaction in S.O.U.L, Foundation, to analyze the relationship between service delivery in the area of poultry keeping and customers satisfaction in S.O.U.L Foundation, to determine the relationship between service delivery in the area of computer training and customer satisfaction in S.O.U.L Foundation, to study the relationship between service delivery in the area of tailoring and customer satisfaction in SOUL Foundation, Uganda, to find out whether service delivery in the area of food security by S.O.U.L Foundation is related to customer satisfaction, to know the relationship between service delivery in the area of maternal health and customer satisfaction in S.O.U.L Foundation, and finally to provide the requisite and recommendations to improve the customer satisfaction strategies of S.O.U.L Foundation. A close ended questionnaire was developed, pretested and personally administered to targeted clients of S.O.U.L Foundation, Uganda at their offices in Jinja district and a total of 211 respondents were contacted.
Demographic factors and use of ict among customers in banking sector :
(Kampala International University, College of Economics and Management, 2017-07) Atumanya, Hildah
In Uganda Information and communication technology adoption has been a slow process due to lack of proper national policies that ensure quick adoption. Banking industry for instance has seen a gradual and faster growth in terms of ICT structure and IT platform. However, this investment in new ICT systems and new technologies has not been well accepted by the end users; the customer who still believe in the older slower ways of banking as compared to the new banking systems that are faster and cheaper. This study therefore sought to investigate the significant difference between demographic factors and use of ICT in the banking industry with specific reference to Centenary Bank Kansanga Branch Uganda. The study was guided by the following objectives; To examine the significance difference between gender and use of ICT, to examine the significance difference between age and use of ICT, to examine the significance difference between education level and use of ICT, to examine the significance difference between income level and use of ICT, to examine the significance difference between occupation and use of ICT. This study employed a descriptive survey research design using structured questionnaires to gather data from the respondents. This research targeted a population of 1000 centenary Bank customers. A sample size of 170 customers was selected using simple random sampling for analysis from this population. The data collected was analyzed by use of descriptive statistics. The findings were presented in terms of tables. The findings concluded that there is no significance between gender and use of ICT; there is significance between the age and use of ICT, There is no significance difference between educational level and use of ICT, there was also no significance difference between income level and use of ICT. Researcher recommends that banks should strive to educate their customers on the available technological advances and how to use them. The banks also need to invest heavily on modern technology that is user friendly, accessible and convenient to the needs of the customer. The findings will be of use to the Ministry on Information and Communication, the Government, Banking sector, Uganda Commercial Bank management and the customers in general.
Agricultural production and price fluctuation in Uganda :
(Kampala International University, College of Economics and Management, 2017-08) Mwebya, Powel Steven
This study entitled Agricultural Production and Price fluctuations was conducted in Namungo Sub County, Mltyana district for a period & four months. The major objectives of the study included the establishment of the level of agricultural output produced by small scale farmers in Mityana district, the trend of prices of agricultural products and then the effects of agricultural production on price fluctuations in Mityana dIstrict. The methodology used in this study was the descriptive cross-sectional research designs by using both the qualitative and quantitative approach and primary data was used as the major source of data for the study. The study findings on the personal information respondents revealed that there are more males in the study than females because they are directly engaged in farming mainly between the age of 30-39 with secondary education as the highest level of qualification The findings on the level of agricultural output revealed that habit of farmers, technology and market are the major drivers in the volume of output in Mityana district This was discovered by the overall mean of responses being between 2.0-3.0. On the other hand, the findings on the price fluctuations trend also revealed that demand, supply and market trend are the major factors that may cause fall or rise In prices of agricultural products also found out with a mean response of between 2.0.3.0 and the farmers made suggestion that the government should regulate the market to ensure stability of prices both In the short run and in the long run. Md lastly, the researcher concluded that the level of agricultural output and the trend of prices of these output generally are the major causes of price fluctuations in Mityana district as revealed by the study results.

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