Browsing by Author "Sande, Protazio"

Now showing 1 - 2 of 2
  • Thumbnail Image
    Item
    Competitive Strategy Alighnment in Enhancing Insurance Uptake: An Evaluation of Life Insurance Products in Uganda
    (Journal of Financial Risk Management, 2022) Olobo, Maurice; Karyeija, Gerald Kagambirwe; Sande, Protazio; Okello, Ronald Regan
    The study examined the effect of competitive strategies on life insurance uptake in Uganda using Kampala Central Business District as a case study. Specifically, the study examined the extent to which differentiation strategy, cost leadership strategy and distribution channel affect life insurance uptake in Uganda. A cross-sectional research design was used with a mixed research approach employing both qualitative and quantitative methods of data collection and analysis. A sample size of 306 respondents was selected from a study population of 1500 using of Krejcie & Morgan’s table. Data was analyzed using mean and standard deviation for descriptive analysis. Pearson’s correlation and regression analysis were also used to analyze the relationship between competitive strategies and life insurance uptake, and to determine the most significant predicator variable among the independent variables respectively. At bivariate level, differentiation strategy, cost leadership strategy and distribution channels had a significant positive relationship with life insurance uptake. The multiple regressions established that differentiation strategy, cost leadership strategy and distribution channels had a significant influence on life insurance uptake. The researchers recommend that there should be more differentiation of life insurance products and services offering, as this will enable companies to experience growth in the areas of premium volumes, market share, and profitability. The researchers also recommend that life insurance companies should design low insurance premium and product to allow even low income earners afford life insurance policies; and that there should be diversified product distribution channels such that customers are able to access reliable products and services at very competitive prices.
  • Thumbnail Image
    Item
    Credit Risk Management Practices and Performance of Commercial Banks in South Sudan
    (Journal of Financial Risk Managemen, 2021) Olobo, Maurice; Karyeija, Gerald; Sande, Protazio; Khoch, Steven
    The study was set to examine the extent to which Credit Risk Management Practices influence banks’ performance in South Sudan. Credit Risk Management practices were looked at in terms of Credit Risk Identification (CRI) Credit Risk Assessment (CRA) and Credit Risk Control (CRC). The study applied a cross-sectional survey design with 124 respondents linked to the Credit process across 7 sampled banks in Juba. Cluster, purposive and sample random techniques were employed in gathering data using Structured questionnaires and interview guides. The study revealed a strong positive correlation between risk management practices and bank performance (r = 0.959; p-value = 0.000 which is less than 0.01). Credit Risk Assessment (CRA), Credit Risk Identification and Credit Risk Control all revealed significant results at r = 0.932 at p-value = 0.000; r = 0.977 at p-value = 0.000. The study further revealed that a unit increase in CRI and CRA and CRC, increased bank performance by 35.8%, 25.3% and 37.1% respectively. While CRI = (β = 0.358 and p = 0.000) and CRA (β = 0.253 and p = 0.000) seamed to drive growth of the asset book, CRC influenced Asset Quality by (β = 0.371 and p = 0.000).