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All Journal Adpebi International Journal of Multidisciplinary Sciences International Journal of Management and Business Applied
Moses agaba
Kabale University
Religion Agriculture, Biological Sciences & Forestry Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Usage of Financial Services and Financial Performance of Agribusiness MSMEs in Greater Kigezi Sub-Region, Uganda Kabagambe Jesse David; Moses agaba
International Journal of Management and Business Applied Vol. 5 No. 1 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijmba.v5i1.1783

Abstract

This study examines the influence of financial usage on the financial performance of agribusiness micro, small and medium enterprises (MSMEs) in Uganda’s Greater Kigezi sub-region. While financial inclusion initiatives in Uganda have significantly expanded access to formal financial services, emerging evidence suggests that access alone does not guarantee improved enterprise outcomes unless services are actively and consistently used. Rural agribusiness MSMEs, which operate in seasonal, cash-intensive, and infrastructure-constrained environments, provide an important context for evaluating whether financial usage translates into measurable performance gains. A cross-sectional survey design was employed, and primary data were collected from agribusiness MSME owners and managers across the six districts of Greater Kigezi. A total of 208 valid observations (N = 208) were analyzed using descriptive statistics, correlation analysis, and ordinary least squares (OLS) regression. Measurement quality was assessed prior to estimation. Content validity was confirmed (CVI = 0.90), while construct adequacy of the financial usage indicators was evaluated using the Kaiser–Meyer–Olkin (KMO) measure and Bartlett’s Test of Sphericity. The KMO value of 0.500 indicated marginal sampling adequacy, while Bartlett’s Test was statistically significant (χ² = 71.523, df = 1, p < .001), confirming the presence of meaningful correlations among the usage indicators. Given the behavioral and heterogeneous nature of usage, indicators were retained as observed measures rather than aggregated into a composite factor. Reliability diagnostics were satisfactory. Empirical results reveal a positive and statistically significant relationship between financial usage and MSME financial performance. The study concludes that deepening the actual use of financial services is critical for improving agribusiness MSME profitability and stability in rural Uganda and recommends that inclusion policies shift from access expansion toward usage-oriented interventions.
Fair Treatment And Organisational Citizenship Behavior in Higher Learning Institutions In Kabale, Uganda Moses agaba; Arthur Sunday
Adpebi International Journal of Multidisciplinary Sciences Vol. 5 No. 1 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v5i1.1853

Abstract

This study focused on fair treatment and Organizational Citizenship Behavior within selected higher education institutions in Kabale District,Uganda. There is increasing concern over staff limited cooperation among colleagues, reluctance to take initiative, and low commitment to institutional goals. This study seeks To examine the relationship between fair treatment and Organisational Citizenship Behavior among institutions of higher learning in Kabale District. For the sake of achieving the objective of this study the study adopted a descriptive cross-sectional survey design and also utilized a quantitative approach for data collection, management, and analysis and a sample size of 235 respondents were be drawn from the total study population of 269 individuals. The study's findings revealed that there is a relationship between fair treatment and organizational citizenship behaviour among Kabale District's higher education institutions. The study concluded that there is relationship between fair treatment and Organisational Citizenship Behavior among institutions of higher learning in Kabale District,. The study recommends that Institutions of higher learning in Kabale District should develop and implement clear policies and practices that promote fairness in treatment across all levels of staff,Institutions of higher learning in Kabale District
Co-Authors Arthur Sunday Kabagambe Jesse David