Browsing by Author "Muhunga Kule, Baguma John"

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    Control Environment and Financial Performance of Savings and Credit Cooperatives (SACCOs) in Mid-Western Uganda
    (International Journal of Business Strategies, 2020) Muhunga Kule, Baguma John; Kamukama, Nixon; Kijjambu, Nsambu Frederick
    To establish the relationship between control environment and financial performance of SACCOs in Mid-Western Uganda. Methodology: A cross-sectional research design and positivist paradigm were used to collect data from 93 SACCOs in Mid-Western Uganda. A closed-ended questionnaire was used to collect data. Correlation and standard linear regression analyses were conducted. Findings: The study findings reveal a strong, positive and significant relationship between control environment and financial performance of SACCOs in Mid-Western Uganda. Unique contribution to practice and policy: This study emphasizes the need for top management to emphasize the importance of designing and implementing effective and efficient control environment. In addition, the government of Uganda needs to review its strategies that are geared at ensuring that SACCOs achieve sustainable financial performance.
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    Credit Management Systems and Financial Performance of Savings and Credit Cooperatives (SACCOS) In Mid-Western Uganda
    (American Journal of Finance, 2020) Muhunga Kule, Baguma John; Kamukama, Nixon; Nsambu Kijjambu, Frederick
    To ascertain the relationship between credit management systems and financial performance of SACCOs in Mid-Western Uganda. Methodology: A cross-sectional research design and positivist paradigm were used to collect data from 93 SACCOs in Mid-Western Uganda using a closed-ended questionnaire. Standard linear regression analysis was carried out. Findings: The study findings reveal a moderate, positive and significant relationship between credit management systems and financial performance of SACCOs in Mid-Western Uganda. Unique contribution to practice and policy: This study suggests to management a need to put into place effective credit management systems if SACCOs are to improve their financial performance by ensuring that favorable terms and conditions, and adequate client appraisal process are in place. In addition, government should support SACCOs by providing staff trainings on credit terms and conditions formulation and improving their competencies in client appraisal.