Browsing by Author "Nabeta, Isaac Nkote"

Now showing 1 - 3 of 3
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    Credit allocation, risk management and loan portfolio performance of MFIs—A case of Ugandan firms
    (Cogent Business & Management, 2017) Ssekiziyivu, Bob; Mwesigwa, Rogers; Mayengo, Joseph; Nabeta, Isaac Nkote
    The purpose of this study was to establish examine the relationship between credit allocation, risk management and loan portfolio performance of MFIs in Uganda. Design/methodology/approach: A cross-sectional research design was adopted which involved descriptive, correlation and regression approaches. Data were analysed through SPSS. Simple random sampling was used to select a sample of 40 MFIs from the population of 45 in Kampala and Wakiso districts. Findings: Results indicated that credit allocation and risk management had a significant relationship with loan portfolio performance. Results from the regression analysis showed that credit allocation and risk management significantly predicted 23.9% of loan portfolio performance. Practical implications: It was recommended that managers of the MFIs should conduct pre-disbursement trainings through workshops and seminars for all successful loan applicants which would enable them on how to utilize the loan facilities acquired which will eventually reduce on the default rates. Originality/value: This is one of the few studies that focus on credit allocation, risk management and loan portfolio performance of MFIs within the context of Uganda.
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    Enhancing public accountability in a city authority
    (Emerald, 2024-05-08) Makanga, Christopher Neil; Orobia, Laura A.; Kaawaase, Twaha Kigongo; Nabeta, Isaac Nkote; Katoroogo, Rachel Mindra; Munene, John
    Purpose This paper seeks to provide a multi-theoretical explanation of the living practice of a public entity found in Uganda, an African developing country, which successfully enhanced public accountability. Design/methodology/approach A qualitative narrative enquiry through storytelling was used to portray the practices of public accountability. The perceptions of various individuals were obtained using in-depth interviews, from which a coherent story structured under the themes of context, actions, results and lessons was obtained. Findings Findings show that public entities that put in place oversight mechanisms and management structures, involve stakeholders and create an ethical work climate enhance public accountability. The results further show that the integration of theories (agency, stewardship, stakeholder and ethical work climate) promotes public accountability. Research limitations/implications In terms of limitations and areas for future research, the study has been conducted on a single city authority to explain public accountability. Perhaps there is a need to conduct similar studies with other city authorities or a combination of organizations. The study has used a qualitative methodology through narrative enquiry to explain public accountability. Future studies can use a quantitative methodology, more so to test the proposed conceptual model of public accountability. Despite the study limitations, the results of this study remain relevant. Practical implications This study uses the positive story of a public entity from a developing country that successfully practiced public accountability. Consequently, from a practical perspective, the findings of this study can be used as a benchmark for promoting effective public accountability practices, especially in developing countries across the globe, where public accountability has proven to be a challenge. Furthermore, governments in developing countries can also use the study findings to strengthen public accountability policies in their respective countries. Social implications The study suggests that enhancement in public accountability practice requires an approach that brings together a multiplicity of factors. The study affords public accountability practitioners an opportunity to replicate the successful accountability practices from the story. When public accountability is enhanced, service delivery in terms of social services by the public organizations is likely to improve, leading to better quality of life in the communities served. Originality/value The study is novel in its use of a positive story that depicts an entity from a developing country that successfully enhanced public accountability. To explain this phenomenon, the study uses a multi-theoretical approach, unlike prior studies.
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    Social capital: mediator of financial literacy and financial inclusion in rural Uganda
    (Review of International Business and Strategy, 2016) Bongomin, George Okello Candiya; Ntayi, Joseph Mpeera; Munene, John C.; Nabeta, Isaac Nkote
    The purpose of this paper is to examine the mediating role of social capital in financial literacy and financial inclusion relationship in rural Uganda. The major aim is to establish the role of social capital in the relationship between financial literacy and financial inclusion.The paper adopts and uses MedGraph programme (Excel version 3.0), Sobel and Kenny and Baron tests to test the mediation effect of social capital in the relationship between financial literacy and financial inclusion.The results reveals that social capital is a significant mediator in the relationship between financial literacy and financial inclusion of rural poor in Uganda. Financial literacy did not have a direct effect on financial inclusion, but through full mediation of social capital. Existence of social capital into the relationship boosts the relationship between financial literacy and financial inclusion by 61.6 per cent among rural poor households in Uganda. Thus, the finding suggests that with the absence of social capital, financial literacy may fail to enhance the level of financial inclusion among rural poor households in Uganda.arch approach using a questionnaire. However, future research through interview may be of importance. Besides, for the purpose of triangulation, a study involving financial institutions’ staff may be viable. Moreover this study was limited by the fact that it was cross-sectional. Furthermore, a longitudinal study may be useful in future to investigate the mediating impact of social capital spanning over a long period of time.Managers, policymakers and financial inclusion practitioners should advocate and embark on building social capital among rural communities, so as to improve on the level of financialinclusion.While a large body of research has been carried out on financial literacy, this paper is the first to test the mediating role of social capital in the relationship between financial literacy and financial inclusion, especially in rural Uganda. This study generates evidence and contributes to the powerful influence of social capital in enhancing the level of financial inclusion based on financial literacy.