Browsing by Author "Okello, Dickson"

Filter results by typing the first few letters
Now showing 1 - 2 of 2
  • Thumbnail Image
    Item
    Financial literacy and financial resilience of youth led enterprises in Uganda : a case of Gulu city
    (Kyambogo University (Unpublished work), 2024-10) Okello, Dickson
    In Uganda, a significant proportion of youth-led businesses encounter substantial financial risks and vulnerabilities, posing formidable challenges to their capacity for maintaining financial resilience. This research examined the effect of financial literacy on the financial resilience of youth-led enterprises in Gulu City. The study was guided by four objectives; (i) To examine the effect of savings literacy on financial resilience of youth-led enterprises in Gulu City, (ii) To establish the effect of investment literacy on financial resilience of youth-led enterprises in Gulu City, (iii) To investigate the effect of credit management literacy on financial resilience of youthled enterprises in Gulu City and (iv) To assess the joint effect of saving literacy, investment literacy, and credit management literacy on financial resilience of youth-led enterprises in Gulu City. Employing a cross-sectional survey research design integrating both qualitative and quantitative methodologies, data was gathered through surveys and interviews from a sample of 148 firms, representing a study population of 240. Key respondents comprised owners or managers of youth-led enterprises. Data analysis was conducted using SPSS software (V. 23.0). The findings revealed a significant influence of savings literacy (β=0.493, P<0.05), Investment literacy (β=0.531, P<0.05) and Credit management literacy (β=0.493, P<0.05) on financial resilience. The study therefore concluded that enhancing financial literacy, particularly savings, investment, and credit management, is paramount for bolstering the financial resilience of youth-led enterprises. Drawing from these insights, recommendations are provided, and the study recommends the implementation of training programs fostering saving literacy, investment literacy, and credit management for owners and managers of youth-led enterprises. Furthermore, integrating financial literacy training into governmental initiatives supporting youth-led enterprises should be done to enhance success rates. This study emphasizes the pivotal role of financial literacy in fostering financial sustainability of youth-led enterprises in Uganda.
  • Thumbnail Image
    Item
    Influence of social norms on blockchain technology adoption : a structural equation modelling approach among smallholder barley farmers in Uganda
    (Discover Agriculture (Springer Link), 2025-06-14) Ninsiim, Racheal; Mshenga, Patience; Okello, Dickson
    Innovative agricultural technologies such as blockchain (BCT) offer transformative potential for improving crop value chains, yet their adoption remains low. While prior research has focused on infrastructure, technological, and economic barriers to adoption, social factors, critical in early adoption phases within cohesive rural communities, are often overlooked. Social norms influence technology adoption by shaping individuals’ perceptions of what is acceptable or expected behaviour within their community, often driving conformity to collective attitudes and practices. This study employs a social norm analysis (SNA) approach to examine how social norms influence BCT initial adoption intentions among barley smallholder farmers in eastern Uganda. Data were collected from 245 farmers using semi-structured questionnaires and analyzed with Smart PLS through structural equation modelling. The findings reveal that social norm [subjective norms (B = 0.185, p = 0.005), injunctive norms (B = 0.166, p = 0.003), normative reference groups (B = 0.125, p = 0.021), and behavioural sanctions (B = 0.390, p = 0.000)] positively shaped farmers’ attitudes (B = 0.652, p = 0.002), enhancing their intentions to adopt BCT. The study recommends that stakeholders, including the government and extension officers from barley buying companies, leverage social norms alongside non-normative factors to drive BCT adoption in rural crop value chains. These insights enrich the understanding of sociocultural dynamics influencing the initial adoption of complex technologies like blockchain.