Academic literature on the topic 'Loans – Uganda'
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Journal articles on the topic "Loans – Uganda"
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Serwadda, Isah. "Impact of Credit Risk Management Systems on the Financial Performance of Commercial Banks in Uganda." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 66, no. 6 (2018): 1627–35. http://dx.doi.org/10.11118/actaun201866061627.
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The paper is set to analyse the impact of credit risk management on the financial performance of commercial banks in Uganda for a period of 2006–2015 using panel data for a sample of 20 commercial banks. The study employs return on assets as a dependent variable and non‑performing loans, growth in interest earnings and loan loss provisions to total loans as credit risk measures. Secondary data is sourced from the Bank scope database, African development bank and the central bank of Uganda. The study employs descriptive statistics, regressions and correlation analysis. Regression models are to estimate the magnitude of significance of credit risk management on the performance of commercial banks in Uganda. The study revealed that credit risk management impacts on the performance of Ugandan commercial banks. The results portrayed that banks’ performance was inversely influenced by non‑performing loans which may expose them to large magnitudes of illiquidity and financial crisis. Thus given such results, the researcher recommends that banks need to enhance their credit risk management techniques not only to earn more profits but also to maintain a qualitative asset portfolio and attention be given to non‑performing loans, loan loss provision to total loans and growth in interest earnings that were found to be significant. Banks need to design appropriate credit policies that must handle all necessary conditions before advancing credit to their customers and also develop strong credit administration committees and teams that must conduct appropriate and sound loan appraisal evaluations and which must also monitor the loans throughout the required processes right from extending a loan to a customer up to the completion of loan repayments so as to mitigate credit risks.
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Namayengo, Faith, Johan A. C. Van Ophem, and Gerrit Antonides. "Women and microcredit in rural agrarian households of Uganda: Match or mismatch between lender and borrower?" Applied Studies in Agribusiness and Commerce 10, no. 2-3 (August 1, 2016): 77–88. http://dx.doi.org/10.19041/apstract/2016/2-3/9.
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The alignment of microfinance programs with the context and expectations of the recipients is critical for ensuring clients’ satisfaction and desired program outcomes. This study sought to investigate the extent to which the objectives and design of the BRAC microfinance program match the expectations, context and characteristics of female borrowers in a rural agrarian setting in Uganda. Quantitative and qualitative methods were used to obtain socio-demographic, personality and microenterprise (ME) characteristics of existing borrowers, incoming borrowers and non-borrowers and to obtain information about the microcredit program. We found that BRAC uses a modified Grameen group-lending model to provide small, high-interest rate production loans and follows a rigorous loan processing and recovery procedure. BRAC clients are mainly poor subsistence farmers who derive income from diverse farming and non-farm activities. The major objective to borrow is to meet lump-sum monetary needs usually for school fees and for investment in informal small non-farm businesses. Many borrowers use diverse sources of funds to meet repayment obligations. Defaulting on loans is quite low. The stress caused by weekly loan repayment and resolution of lump-sum cash needs were identified as reasons for women to stop borrowing. The limited loan amounts, the diversions of loans to non-production activities, the stages of the businesses and the weekly recovery program without a grace period may limit the contribution of these loans to ME expansion and increase in income.
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Mukwenda, Hilary Tusiime. "Adaptation of the ADKAR Model to the Management of the Higher Education Student Loan Scheme in Uganda." Makerere Journal of Higher Education 11, no. 1 (August 31, 2019): 45–57. http://dx.doi.org/10.4314/majohe.v11i1.4.
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The financing of higher education through student loan schemes is a recent phenomenon in Uganda. It constitutes a major change in the financing of higher education in the country and, naturally, it has not been without controversy. Its processes have posed challenges to both its beneficiaries and implementers. For instance, the loan policy’s sustainability is yet to be guaranteed. It is with this understanding that this paper discusses how application of the ADKAR change management model can promote the performance and sustainability of the policy. Designed to help individuals and organisations, the model prescribes a five-step process towards adopting change and leveraging its power to bring about improvement by enhancing ability to confront new situations. In this paper, this process is proposed for ensuring effective disbursement of student loans, determination of interest rates and recovery of the loans from borrowers.
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Busingye, John. "Dynamics of loan delinquency by SME owners in Uganda." Advances in Social Sciences Research Journal 6, no. 10 (November 10, 2019): 353–60. http://dx.doi.org/10.14738/assrj.610.7220.
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The study mainly set out to investigate the factors that influence loan delinquency bySME owners in Uganda. SME ownersin Mbarara Municipality, South West Uganda provided conceptual setting of the study. This paper contributes to the body of knowledge by determining the local business context influencing loan delinquency among SME owners.
The study fixated on thefactors that influence loan delinquency by SME owners in Uganda with focus on what SACCOs put into consideration in order to categorize an SME as suitable for micro-lending. The study engaged descriptive research design, where 20 questionnaires were administered to SME owners and detailed discussions of the questions conducted with 6 key informants in the SME sector. The study was grounded on David McClelland’s Acquired Needs theory and the Rational Choice theory in helping to understand the subject under investigation. The study further adopted Krejcie and Morgan's (1970) sample size determination methodology to select the respondents. Data was analysed using SPSS version 20, thematic and content analysis.
The study findings show that majority of the respondents were male with secondary level of education, majority of the SME entities had been in operation for six years and above and their ability to manage loans was boosted by education, skills and experience. While the majority of the SME owners are accessing and utilizing loan services from the SACCOs, more than half of them have ever been in delinquency over their loan contract. The study recommends that the SME owners learn how to plough back their profits into their business, conduct sound business research so as to increase their operational capital and skills in order to expand and grow their projects. The study concluded that the SME industry is a fertile ground for investment for Uganda, SME owners, and SACCOs.
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Linnemayr, Sebastian, Lydia Buzaalirwa, James Balya, and Glenn Wagner. "A Microfinance Program Targeting People Living with HIV in Uganda: Client Characteristics and Program Impact." Journal of the International Association of Providers of AIDS Care (JIAPAC) 16, no. 3 (September 14, 2016): 254–60. http://dx.doi.org/10.1177/2325957416667485.
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HIV has disproportionately affected economically vulnerable populations. HIV medical care, including antiretroviral therapy, successfully restores physical health but can be insufficient to achieve social and economic health. It may therefore be necessary to offer innovative economic support programs such as providing business training and microcredit tailored to people living with HIV/AIDS. However, microfinance institutions have shown reluctance to reach out to HIV-infected individuals, resulting in nongovernment and HIV care organizations providing these services. The authors investigate the baseline characteristics of a sample of medically stable clients in HIV care who are eligible for microcredit loans and evaluate their business and financial needs; the authors also analyze their repayment pattern and how their socioeconomic status changes after receipt of the program. The authors find that there is a significant unmet need for business capital for the sample under investigation, pointing toward the potentially beneficial role of providing microfinance and business training for clients in HIV care. HIV clients participating in the loans show high rates of repayment, and significant increases in (disposable) income, as well as profits and savings. The authors therefore encourage other HIV care providers to consider providing their clients with such loans.
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O’Hara, Nathan N., Edmond Odull, Jeffrey Potter, and Isaac Kajja. "The willingness of orthopaedic trauma patients in Uganda to accept financial loans following injury." OTA International 2, no. 4 (December 2019): e028. http://dx.doi.org/10.1097/oi9.0000000000000028.
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Wagner, Glenn, Yashodhara Rana, Sebastian Linnemayr, James Balya, and Lydia Buzaalirwa. "A Qualitative Exploration of the Economic and Social Effects of Microcredit among People Living with HIV/AIDS in Uganda." AIDS Research and Treatment 2012 (2012): 1–7. http://dx.doi.org/10.1155/2012/318957.
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HIV medical care, including antiretroviral therapy (ART), is often successful in restoring physical health and functioning. But in developing countries, HIV medical care is often insufficient to achieve social and economic health, and hence innovative economic support programs are much needed. We conducted semistructured interviews with 30 adults receiving ART and microcredit loans operated by Uganda Cares. Using content analysis, we explored the impact of the microcredit loans on the economic, social, and psychological well-being of respondents. Most respondents indicated that the microcredit loans played a positive role in their lives, helped them to keep their children in school and sustain their families, and improved their self-esteem and status in the community. In addition, we also found significant positive knowledge spill-over and network effects in the program with regard to business management and support. However, more than half of the participants indicated experiencing repayment problems either personally or with other group members due to unexpected emergencies and sickness. These findings highlight that microcredit programs have the potential of being an economic support system for HIV clients trying to reestablish their livelihoods, especially in resource-constrained settings, though more research is needed to determine the overall economic viability of such programs.
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Kaboski, Joseph P., Molly Lipscomb, and Virgiliu Midrigan. "The Aggregate Impact of Household Saving and Borrowing Constraints: Designing a Field Experiment in Uganda." American Economic Review 104, no. 5 (May 1, 2014): 171–76. http://dx.doi.org/10.1257/aer.104.5.171.
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We develop a model of households with multiple needs (smoothing shocks, financing investment) and constraints (limited credit, self-control issues) in order to examine the nature of household's financing constraints in a developing country, and the impact of relaxing them. We show that increased access to credit has very different implications for the aggregate model economy depending on its form: asset-financed or cash. We then illustrate how a short-term increase in access to loans leads to very distinct behavior in the short run. The relevance of the model can be evaluated using a field experiment, which we are currently implementing in Uganda.
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Nannini, Maria, Mario Biggeri, and Giovanni Putoto. "Financial protection and coping strategies in rural Uganda: an impact evaluation of community-based zero-interest healthcare loans." Health Policy and Planning 36, no. 7 (June 23, 2021): 1090–102. http://dx.doi.org/10.1093/heapol/czab073.
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Abstract In low- and middle-income countries, catastrophic health expenditures and economic hardship constitute a common risk for households’ welfare. Community health financing (CHF) represents a viable option to improve financial protection, but robust impact evaluations are needed to advance the debate concerning universal health coverage in informal settings. This study aims at assessing the impact of a CHF pilot programme and, specifically, of the initial phase involving zero-interest loans on health expenditures and coping strategies in a rural district of Uganda. The analysis relies on a panel household survey performed before and after the intervention and complemented by qualitative data obtained from structured focus group discussions. Exploiting an instrumental variable approach, we measured the causal effect of the intervention, and the main findings were then integrated with qualitative evidence on the heterogeneity of the programme’s impact across different household categories. We found that the intervention of zero-interest healthcare loans is effective in improving financial protection and longer-term welfare. Community perceptions suggested that the population excluded from the scheme is disadvantaged when facing unpredictable health costs. Among the enrolled members, the poorest seem to receive a greater benefit from the intervention. Overall, our study provides support for the positive role of community-based mechanisms to progress towards universal coverage and offers policy-relevant insights to timely design comprehensive health financing reforms.
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Eric, Nzibonera, and Waggumbulizi Ivan. "Loans and growth of small-scale enterprises in Uganda: A case study of Kampala Central business area." African Journal of Business Management 14, no. 5 (May 31, 2020): 159–69. http://dx.doi.org/10.5897/ajbm2020.8985.
Full textDissertations / Theses on the topic "Loans – Uganda"
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Okurut, Francis Nathan. "Credit demand and credit rationing in the informal financial sector in Uganda." Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50308.
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Dissertation (PhD) -- University of Stellenbosch, 2005.ENGLISH ABSTRACT: This study was motivated by the need to determine the key factors that influence credit demand and credit rationing in the informal financial markets so as to contribute to policy formulation to improve access for the poor in Uganda to the broader (formal and informal) financial sector. The results of the study suggest that credit demand in the informal financial sector is positively and significantly influenced by capacity related variables (education level, and household expenditure) at the household level, and the informal lenders' credit rationing behaviour is also negatively and significantly influenced by household wealth factors (asset values). The same variables have similar effects in the models for credit demand and credit rationing in the broader financial sector. Since households demand credit for both investment and consumption smoothing, improved access to the broader financial sector will enable them to acquire more wealth, and move out of poverty in the long run. The policy options to improve small borrower access to the broader financial sector include provision of incentives to banks to serve the smaller borrowers, development of credit reference bureaus, provision of innovative insurance products to the poor, and broader economic policies that enable households to acquire more wealth. In addition appropriate linkages need to be developed between the formal and informal financial sectors so as to broaden the financial system.
AFRIKAANSE OPSOMMING: Hierdie studie is gemotiveer deur die behoefte om die sleutelfaktore te identifiseer wat die vraag na krediet en kredietrantsoenering in die informele finansiele markte bemvloed ten einde In bydrae te kan maak tot beleid om beter toegang vir die armes tot die bree (formele en informele) finansiele sektor in Uganda te bewerkstellig. Die resultate van die studie dui aan dat die vraag na informele krediet In betekenisvolle en positiewe verwantskap toon met kapasiteitsverwante veranderlikes (vlak van opvoeding en huishoudelike besteding) op die huishoudingvlak. Informele uitleners se kredietrantsoeneringsoptrede toon In betekenisvolle en negatiewe verwantskap met huishoudings se vlak van rykdom (batewaardes). Dieselfde veranderlikes toon soortgelyke verwantskappe in die geval van die modelle vir kredietvraag en kredietrantsoenering in die bree finansiele sektor. Huishoudings se vraag na krediet is vir beide investeringsdoeleindes en om In meer egalige verspreiding van verbruik te verkry. Daarom sal verbeterde toegang tot die bree finansiele sektor hulle in staat stel om meer rykdom te bekom en so uit armoede in die langer termyn te ontsnap. Die beleidsopsies om kleiner leners beter toegang tot die bree finansiele sektor te bied, sluit in voorsiening vir insentiewe aan banke om klein leners te bedien, die ontwikkeling van kredietverwysingsburo's, die voorsiening van innoverende versekeringsprodukte aan die armes, en breer ekonomiese beleid wat huishoudings in staat sal stel om meer rydom te bekom. Toepaslike skakeling tussen die formele en informele finansiele sektore moet ook ontwikkel word ten einde In verbreding van die finansiele sektor te bewerkstellig.
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Sheridan, Scott. "Examining the effect of school development loans on education capacity and quality: evidence from Ghana and Uganda." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/34014.
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Increased investment in education to build capacity and quality is essential if the world is to meet its ambitious targets on Sustainable Development Goal (SDG) 4: Quality Education. There are 258 million school aged children out of school, of which 98 million are in Sub-Saharan Africa (SSA). Low-income countries are experiencing dramatic growth in their populations and have severe limitations on their ability to fund the required infrastructure development. The financing gap is estimated to be US$ 1.8 trillion to achieve SDG goals (Education Commission, 2016). Low-Cost Private Schools (LCPS), accessible to children from poor families, are growing rapidly in SSA to fill this gap. This study is focused on the potential to increase the use of innovative financing to improve capacity and quality for LCPSs. Most innovative finance schemes utilise some form of a School Development Loan to achieve greater investment in capacity and quality of education. The study evaluates the effect of School Development Loans on several indicators which have been directly associated with capacity and quality, using data from Ghana and Uganda, countries estimated to need a combined 5 million new seats for children by 2023 (7% of their combined population) to account for population growth. Capacity indicators include the Number of Students enrolled in the school and the Number of Classrooms available for use. The indicators of school quality were Pupil Teacher Ratios (Lower), the Number of Washrooms, the Number of Washrooms Dedicated to Girls and the Number of Extracurricular Programmes Offered by the school. The study leveraged pairwise correlation and regression analysis to identify the most directly linked indicators, followed by a mean difference analysis. The study finds that schools taking out School Development Loans have more classrooms, higher enrolment, greater amounts of washrooms and extracurricular activities on offer, indicating that School Development Loans increase both capacity and quality at LCPSs. Despite the encouraging findings, it is early to assess whether the significance of the increase over time. The study recommends a fully coordinated Randomised Control Trial (RCT) for further research, where data is collected prior to the school receiving its first loan and again at the conclusion of the loan.
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Tilly, Karlsson Anna. "Kvinnor och "Village Savings and Loan Associations" i Uganda : En kvalitativ studie om kvinnors upplevelser av VSLA-gruppers inverkan på deras livsomständigheter." Thesis, Uppsala universitet, Teologiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-363379.
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The purpose of this study is to look in to how microfinance through the VSLAmodel has affected life circumstances of women in rural parts of Uganda. The study also examines whether participation in VSLA-groups leads to empowerment. The results have been derived from qualitative fieldwork, based on semi-structured interviews. Women from the Ugandan districts of Kayunga and Masaka have been interviewed about their experiences of participating in VSLA-groups. The theoretical framework consists of a liberal as well as a postcolonial feminist theorization. The study subject is analyzed by using Martha Nussbaum’s Capabilities Approach and Gayatri Chakravorty Spivak’s thoughts on the subaltern. The Uganda National Farmers Federation (UNFFE) started working with financial inclusion in 2010 and in 2014 they implemented the Human Rights Based Approach (HRBA) in their work. It is found in this study that the VSLA-groups who operates guided by the Human Rights Based Approach, have had a positive effect on the life conditions of the interviewed women. The socioeconomic effects have been positive, the women have greater control over their life circumstances and the VSLA-groups have proved empowering.I denna studies granskas en typ av mikrofinansmodell, Village Savings and Loan Associations (VSLA) och dess påverkan på kvinnor på Ugandas landsbygds livsomständigheter. Den undersöker också om deltagande i VSLA-verksamhet leder till empowerment. Studiens resultat bygger på fältarbete bestående av kvalitativa undersökningar. Kvinnor från de ugandiska distrikten Kayunga och Masaka har deltagit i semistrukturerade intervjuer där de berättat om sina upplevelser av att vara med i en VSLA-grupp. Det teoretiska ramverket har en liberal såväl som postkolonial feministisk utgångspunkt. Uppsatsens frågeställningar analyseras genom Martha Nussbaums Capabilities Approach och Gayatri Chakravorty Spivaks tankar om den subalterna. Uganda National Farmers Federation (UNFFE) började arbeta med finansiell inkludering 2010 och 2014 implementerade de Human Rights Based Approach (HRBA) i sitt arbete. Denna studie finner att VSLA-grupper, vilka arbetar med hjälp av HRBA har en positiv effekt på de intervjuade kvinnornas livsomständigheter. De socioekonomiska effekterna har varit positiva, kvinnorna har fått större kontroll över sina förhållanden och VSLA-grupperna har haft en empowering effekt.
Books on the topic "Loans – Uganda"
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Biryabarema, E. Small scale businesses and commercial banks in Uganda. Kampala, Uganda: Makerere University Press, 1998.
Find full textBook chapters on the topic "Loans – Uganda"
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, Barbara Nakangu Bugembe, Ahmed Mohamed, Obadiah Ngigi, Gertrude Ogwok, Jules Roberts, and Sophie Kutegeka. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation, 1–26. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42091-8_127-1.
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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This paper reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, Barbara Nakangu Bugembe, Ahmed Mohamed, Obadiah Ngigi, Gertrude Ogwok, Jules Roberts, and Sophie Kutegeka. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation, 2565–90. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_127.
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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This chapter reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Rao, Rahul. "Queer in the Time of Homocapitalism." In Out of Time, 136–73. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780190865511.003.0005.
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In the wake of Uganda’s Anti Homosexuality Act, the World Bank cancelled a loan to the country, precipitating the production of international economic governmentality to promote respect for LGBTI rights, or what this chapter calls ‘homocapitalism’. The chapter reads this development as part of the instrumentalization of gender and sexuality for the rehabilitation of capitalism following the most recent global financial crisis. It argues that the Bank’s efforts to disincentivize homophobia by ascribing it a cost reinforce the hegemony of neoliberal reason. The chapter criticizes the Bank’s culturalist understanding of homophobia, arguing that this allows it to position itself as external to the problem, rather than as implicated in its production. It offers a political economy account of homophobia in Uganda that highlights the relationship between neoliberalism and Pentecostal Christianity, a key vehicle for conservative discourses around sexuality. It concludes with reflections on how homocapitalism might be resisted.
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"THE £3,500,000 LOAN TO KENYA AND UGANDA 1924." In The Making of British Colonial Development Policy 1914-1940, 121–27. Routledge, 2005. http://dx.doi.org/10.4324/9780203988558-27.
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