Browsing by Author "Mwosi, Fabian"

Now showing 1 - 2 of 2
  • Thumbnail Image
    Item
    Financial Inclusion and Access to Higher Education An Empirical Study of Selected Districts in Eastern Uganda
    (European Journal of Business and Management, 2020) Eton, Marus; Poro, Sammy Godfrey; Sekiwu, Denis; Mwosi, Fabian; Akena Adyanga, Francis
    Access to higher education has continuously been a challenge in Uganda. The research brought out the relationship between financial inclusion and access to higher education. Descriptive survey research design was adopted and the findings established that digital financing eases making deposits in banks, transacting via mobile money and switching from one bank to the other. Students find it easy to deposit tuition in the bank just as they find it easy to access money via mobile money. While financial inclusion makes financial services available in the economy, students, especially those from low-income families find difficulty accessing a wider range of these products, which hinders their access to higher education. The study also establishes that a good number of students fail to meet admission requirements. Since students from low-income families attend high schools of low quality, they have insufficient understanding of some subjects, and thus unable to join higher education. Online registration and payment, students’ decision not to join, peer influence, and rigidity of university programs; are deeply flawed to limit accessing higher education. However, financial services remain accessible to rich individuals who demonstrate ability to pay. The study recommends that the government of Uganda through the concerned ministry should review the implementation of their policies on Students loan scheme and district quota systems. The government should always publish the lists of students admitted to higher education institutions in popular media and newspapers to create awareness to those being admitted to particular institutions.
  • Thumbnail Image
    Item
    Small Medium Enterprises (SMEs), Environmental Management and Poverty Reduction in Western Uganda
    (International Journal of Research and Innovation in Social Science, 2019) Eton, Marus; Ayiga, Natal; Agaba, Moses; Mwosi, Fabian; Ogwel, Benard P.
    The study aimed at assessing the role of SMEs and environment management in poverty reduction in Western Uganda. The study a descriptive and correlation study design. The data was collected by use of structured and closed ended questionnaires. The findings revealed a strong association between (SMES and environmental management) and poverty reduction (r =.644; sig. <.05). The study found out that SMEs lack access to innovative technologies, which are essential in buttressing SME roles in poverty reduction. The study revealed that very little financial resources are directly channeled to SMEs amidst ever increasing interest rates on loans. Government policies on SMEs are deficient in terms of technical, technological, financial, and managerial and infrastructures needed for effective contribution to economic growth and poverty reduction. The study further suggest that SMEs can resolve problems of poverty and unemployment if they can access cheap capital. The study therefore recommends that government should prioritize SME sector in budgets to enhance its contribution to economic growth and poverty reduction.