Browsing by Author "Ronald Kyagulanyi"

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Digital Capability, Knowledge Capital, and Governance in East African SACCOs: A Systematic Review of Drivers of Financial Inclusion
(East African Nature & Science Organization, 2026-03) Joseph Jakisa Owor; Sandra Namisango; Ronald Kyagulanyi
Savings and Credit Cooperative Organisations (SACCOs) remain central to financial inclusion in East Africa, particularly for rural and low-income populations excluded from commercial banking. However, despite their growth, SACCO performance across Uganda, Kenya, and Tanzania remains uneven due to technological, governance, and knowledge constraints. This study undertakes a theory-driven systematic review of SACCO performance between 2020 and 2025 to examine how digital capability, financial knowledge, governance quality, and community embeddedness shape inclusion outcomes. Grounded in Institutional Theory, Resource-Based View, Agency Theory, and Technology Adoption frameworks, the study synthesises peer-reviewed literature, regulatory reports (Kenya Sacco Societies Regulatory Authority (SASRA), Tanzania Cooperative Development Commission (TCDC), Uganda Microfinance Regulatory Authority (UMRA)), and global datasets (Global Findex, GSMA, WOCCU). Using structured thematic coding supported by qualitative synthesis procedures, the review identifies four interdependent drivers of SACCO sustainability: digital integration capacity, member financial literacy, governance and oversight quality, and social capital density. Findings indicate that digital adoption improves outreach and transaction efficiency, but its impact depends critically on member knowledge and regulatory capacity. Weak governance and agency problems remain primary predictors of SACCO failure, particularly in poorly supervised environments. Community networks enhance repayment discipline and savings culture, but cannot substitute for institutional accountability. The study contributes by integrating fragmented SACCO literature into a coherent systems framework and proposing a SACCO Institutional–Digital Capability Model for future empirical testing. Policy implications emphasise coordinated investments in digital infrastructure, governance reform, financial capability development, and predictive oversight systems.
Perceptions of Student Enrollment Factors in Uganda Christian University
(East African Nature & Science Organization, 2026-04) Halima Nassanga; Mary Jakisa Owor; Joseph Jakisa Owor; Ronald Kyagulanyi
This study investigated perceptions of factors influencing student enrollment at Uganda Christian University (UCU), with specific attention to institutional, academic-related, and financial-related determinants. Anchored in Human Capital Theory and Student Choice Theory, the study sought to explain how prospective and current students evaluate universities in an increasingly competitive higher education environment. A descriptive cross-sectional design was adopted, using a mixed-methods approach that combined questionnaire surveys and semi-structured interviews. Quantitative data were collected from undergraduate and prospective students, while qualitative insights were obtained from admissions, marketing, and public relations staff. Data were analysed using descriptive statistics, Pearson correlation, multiple linear regression, and content analysis. The findings revealed very strong positive correlations between student enrollment and financial factors (r = 0.991), academic factors (r = 0.993), and institutional factors (r = 0.992), suggesting that enrollment decisions are shaped by multiple interrelated dimensions. However, regression analysis showed that academic-related factors (β = 0.465, p = .008) and institutional factors (β = 0.426, p < .001) were the strongest significant predictors of enrollment, while financial factors (β = 0.105, p = .475) were not statistically significant when the other variables were controlled. Qualitative findings reinforced these results by highlighting the importance of program relevance, lecturer competence, graduate employability, institutional reputation, campus facilities, and alumni success in influencing enrollment decisions. The study concludes that private universities can strengthen enrollment by prioritising academic quality, institutional credibility, infrastructure improvement, and supportive financial access mechanisms.