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Credit risk management: An imperative for profitability of Centenary Bank Kabale Branch Aluonzi, Burani; Byamukama, Eliab; Marus, Eton; Charity, Tushemereirwe
International Journal of Financial, Accounting, and Management Vol. 6 No. 1 (2024): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i1.1904

Abstract

Purpose: This study focuses on establishing the effect of credit risk management on the profitability of the Centenary Bank Kabale Branch. Credit Risk Management was operationalized as credit risk identification, risk assessment, and risk control, while profitability was operationalized as Return on Equity, Return on Assets, and Non-Performing Loans. Research methodology: The study population comprised of 140 respondents. A sample size of 103 respondents was obtained using the Krejcie and Morgan 1970 table for sample determination. This study adopted a mixed method approach.  Quantitative data were collected using Self-Administered Questionnaires and analyzed using Pearson’s linear correlation coefficient. Qualitative data were collected through in-depth interviews and analyzed using content analysis. Results: The findings indicate that the majority of the respondents were male, aged 31–40 years, and bachelor’s degree holders. Risk identification (r=0.882), risk assessment (r=0.776), and risk controls (r=0.829) have a significant positive relationship with profitability at the central bank. Limitations: The limitations include bias from the respondents and the study being conducted in only one branch, making generalization difficult. Contribution:  These investigations have informed Centenary Bank managers of the importance of credit risk identification, risk assessment, and risk control. Managers should focus on mitigation measures to reduce risks, create a credit risk assessment team to evaluate risks, establish strategies, and prioritize risk management practices by implementing policies in place. The findings contribute to the literature on credit risk management in terms of the central bank. Novelty: Previous similar research only studied how environmental accounting is implemented in a hospital and did not compare its implementation before, during, and after a pandemic.
Business partnership, women empowerment and support to women living with HIV/AIDS in Kabale, Uganda Mwosi, Fabian; Eton, Marus; Aluonzi, Burani; Olupot, Simon Peter; Alia, Richard
Journal of Sustainable Tourism and Entrepreneurship Vol. 6 No. 1 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v6i1.2208

Abstract

Purpose: This investigation stemmed from the need to support women living with HIV/AIDS using community approaches of business partnerships and women empowerment as opposed to government-and private sector-led support. Research Methodology:  This study adopted systematic sampling techniques for data collection from 123 women living with HIV/AIDS from a designated health center in Kabale Municipality. Women taking ARVs were identified from the points where they were collecting their ARVs, and were given questionnaires after consenting to participate in the study. Results: Women empowerment increased decision-making power, while business partnerships decreased dependence on male partners. Women empowerment increases support for women living with HIV/AIDS compared with business partnerships. Business partnerships, as observed in this study, draw weak relationships from many women living with HIV/AIDS. Women empowerment programs that cut across all age groups are effective in supporting vulnerable women living with HIV/AIDS. Limitations: This study encountered the challenge of interfacing with the respondents, since the information was collected by those in charge of the drug distribution center but not the researchers, and these affected in-depth investigations. Women accessing HIV/AIDS do not want to be identified because of stigma within the community. Contributions: From a public health perspective, designers of intervention programs to support women living with HIV/AIDS should consider inclusiveness in design, driven by age categorizations. Designers of intervention programs to support women living with HIV/AIDS should target business partnerships among low-income earners to reduce vulnerability.
Credit risk management: An imperative for profitability of Centenary Bank Kabale Branch Aluonzi, Burani; Byamukama, Eliab; Marus, Eton; Charity, Tushemereirwe
International Journal of Financial, Accounting, and Management Vol. 6 No. 1 (2024): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i1.1904

Abstract

Purpose: This study focuses on establishing the effect of credit risk management on the profitability of the Centenary Bank Kabale Branch. Credit Risk Management was operationalized as credit risk identification, risk assessment, and risk control, while profitability was operationalized as Return on Equity, Return on Assets, and Non-Performing Loans. Research methodology: The study population comprised of 140 respondents. A sample size of 103 respondents was obtained using the Krejcie and Morgan 1970 table for sample determination. This study adopted a mixed method approach.  Quantitative data were collected using Self-Administered Questionnaires and analyzed using Pearson’s linear correlation coefficient. Qualitative data were collected through in-depth interviews and analyzed using content analysis. Results: The findings indicate that the majority of the respondents were male, aged 31–40 years, and bachelor’s degree holders. Risk identification (r=0.882), risk assessment (r=0.776), and risk controls (r=0.829) have a significant positive relationship with profitability at the central bank. Limitations: The limitations include bias from the respondents and the study being conducted in only one branch, making generalization difficult. Contribution:  These investigations have informed Centenary Bank managers of the importance of credit risk identification, risk assessment, and risk control. Managers should focus on mitigation measures to reduce risks, create a credit risk assessment team to evaluate risks, establish strategies, and prioritize risk management practices by implementing policies in place. The findings contribute to the literature on credit risk management in terms of the central bank. Novelty: Previous similar research only studied how environmental accounting is implemented in a hospital and did not compare its implementation before, during, and after a pandemic.