Browsing by Author "Sandra Namisango"

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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.
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    Factors Influencing Saving Mobilization in Saccos. A Study of Financial Literacy, Social Factors and Mobile Technology in Mukono District, Uganda.
    (Uganda Christian University, 2025-05-20) Sandra Namisango
    This study explores the factors influencing saving mobilization within Savings and Credit Cooperative Organizations (SACCOs) in Mukono District, Uganda, focusing on financial literacy, social factors, and mobile technology. While SACCOs have been instrumental in fostering financial inclusion, particularly in underserved communities, their performance in mobilizing savings remains suboptimal. The research investigates how factors such as financial literacy, peer influence, societal pressure, and mobile technology shape saving behaviors among SACCO members. Despite the potential of these elements to improve savings, Uganda's SACCOs continue to struggle with low deposit levels, pointing to the need for a deeper understanding of these influences and strategies for improvement. The study employed a mixed-methods approach, combining both qualitative and quantitative techniques to gather data from 214 respondents across 16 registered SACCOs in Mukono District. The research findings revealed that while many respondents displayed confidence in their financial literacy, a significant portion lacked a full understanding of key financial concepts. Social factors, including family and peer influence, were identified as strong motivators for saving, with 68.3% of respondents acknowledging their role in shaping saving behaviors. Additionally, mobile technologies, particularly mobile money services, played a significant role in facilitating saving mobilization, with 65.2% of respondents using these services for SACCO transactions. The study concluded that financial literacy, social dynamics, and mobile technology are crucial to improving saving mobilization within SACCOs. It highlighted the need for improved governance structures, targeted financial education programs, and better access to mobile services to enhance saving behaviors. By addressing gaps in financial literacy and leveraging mobile technologies, SACCOs can foster greater economic growth and financial inclusion in Uganda. The research offers practical recommendations for SACCOs to enhance their effectiveness and sustainability, ultimately contributing to the financial empowerment of their members.