Browsing by Author "Yawe, Bruno L."

Now showing 1 - 3 of 3
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    Determinants of Demand for Health Insurance in Uganda: An Analysis of Utilisation and Willingness to Pay
    (Tanzanian Economic Review, 2020) Mpuuga, Dablin; Yawe, Bruno L.; Muwanga, James
    Health insurance is increasingly being recognized in Uganda as an effective way of protecting people against catastrophic health expenditures. However, only 5 percent of Ugandans hold health insurance, and only 42 percent would consider joining any health insurance scheme. It is in this regard that this study sought to examine the determinants of demand for health insurance in Uganda. After applying a logistic model on Uganda National Household Survey (UNHS) data of 2016/17, the results reveal that awareness is a very crucial factor in determining demand for health insurance, and that most Ugandans are not aware of health insurance as a mode of paying for medical care. The results further reveal that although most of the people suffering from non-communicable diseases are willing to pay for health insurance, very few have health insurance in this regard. Generally, willingness to pay does not translate into actual utilisation of health insurance. Thus, the study recommends the promotion of awareness about health insurance, increasing the literacy levels of Ugandans through education, promoting poverty reduction and income enhancing programs, as well as urgently implementing a National Health Insurance Scheme (NHIS).
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    Determinants of Demand for Private Health Insurance in Uganda
    (African Journal of Economic Review, 2022) Turyamureba, Medard; Yawe, Bruno L.; Oryema, John Bosco
    Health insurance coverage in Uganda is still very low, with only five percent of the individuals covered by any form of health insurance. This study examines the factors that influence demand for private health insurance in Uganda using the 2016 Uganda Demographic Health Survey data. A logistic regression model was employed to identify the determinants of demand for voluntary health insurance in Uganda. The results showed that wealth index, level of education, age of the individual, marital status, residence, and access to information were significant factors affecting uptake of health insurance in Uganda. Individuals from well off households were more likely to have a health insurance cover compared to individuals from the poor ones. Also, individuals who had access to information through listening to radio, reading newspapers, and watching television were more likely to demand health insurance compared to those without access. The findings, therefore, highlight the need for poverty reduction strategies to enhance the incomes of the poor and provide educational interventions regarding the benefits of health insurance in all regions.
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    Innovation and Financial Inclusion: A review of the literature
    (Journal of Payments Strategy & Systems, 2015) Yawe, Bruno L.; Prabhu, Jaideep
    Financial innovation is a major driver of financial inclusion, and its relationship with inequalities in income and opportunities raises some important policy questions. This review covers the following areas of financial inclusion: savings; microinsurance; payments; banking services for the excluded poor; financial literacy; and consumer protection. The review shows that increasing financial inclusion should go beyond the traditional banking sector. This is because mobile network operators have, in most cases, initiated mobile money services, although this is not within the mandate for which they were initially licensed. This has aided the provision of financial services to the majority without bank accounts. There is now competition between commercial banks and mobile network operators, especially when the latter expand financial products on their networks. Partnerships should be established between and among commercial banks as well as between mobile network operators providing mobile money services to fast track interoperability. In most cases, the appropriate institutional and regulatory framework was absent at the inception of mobile money services. Therefore, there is a need for an institutional framework composed of regulators of telecommunications; for mobile network operators as well as central banks to expand financial inclusion without compromising the strategies aimed at eliminating contemporary global challenges such as money laundering.