Browsing by Author "Apollo Abareeba"

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Women Groups Savings and Household Welfare :
(Bishop Stuart University, 2025-09) Apollo Abareeba
This study examined the contribution of small-scale women’s savings groups to household welfare in Nyakayojo, Mbarara City, Southwestern Uganda. Women’s groups have emerged as crucial safety nets in contexts of financial exclusion, providing access to savings, loans, and social support. However, their effectiveness depends largely on their capacity to use technology, adapt to market and social changes, and exercise effective leadership. Guided by the intra household bargaining theory, the study sought to assess how these dimensions influence the welfare of households. The research employed a qualitative design. Data were collected through in-depth interviews, focus group discussions, and key informant interviews with members of selected women’s groups. Purposive sampling ensured representation of participants with diverse group experiences. Data were analyzed thematically, allowing for the identification of major themes and sub-themes that illustrate the dynamics between women’s group activities and household welfare. Findings on the role of technology revealed that mobile phone use enhanced household welfare through rapid access to healthcare, securing school requirements, stabilizing incomes, enabling profitable trade, and facilitating direct payments for household needs. the results on the adaptability, demonstrated that flexible saving and loan terms, collective bulk buying, coping with price fluctuations, and strong social support systems helped members manage risks, maintain food security, and sustain education and health expenditures, focusing on leadership and management, results indicated both positive and negative impacts: while collaborative decision-making, accountability, and peer encouragement improved household stability, autocratic tendencies, financial mismanagement, and inequitable distribution undermined group cohesion and household benefits In conclusion, the study established that women’s groups significantly enhance household welfare when they integrate technology, practice adaptive strategies, and adopt transparent, inclusive leadership. However, poor governance and inconsistent management erode trust and limit welfare outcomes. The study recommends that women’s groups formalize adaptive protocols such as emergency loan rules, prioritize transparent leadership through regular reporting and role rotation, and proactively seek training in financial literacy and enterprise management. Policymakers and NGOs should strengthen women’s groups with capacity building programs in leadership, digital finance, and conflict resolution to ensure sustainability and equitable benefits for all members.
Women Savings Groups and Household Welfare :
(International Journal for Multidisciplinary Research (IJFMR), 2025-10) Apollo Abareeba; Asiimire Donah; Mpairwe Anthony
The main purpose of this study was to investigate the contributions of women's savings groups to household welfare, using a case study of selected women groups in Nyakayojo, Mbarara City Southwestern Uganda. The following were specific objectives of this study: To examine how the use of technology (mobile phones) by women's groups affects the well-being of their families; To find out how the ability of women's groups to adapt to changes (like high prices or new trends) affects their families' welfare; To determine how the leadership and management of these women's groups influence the wellbeing of their households. This study employed a qualitative case study research design adopting both qualitative and quantitative approaches. Key findings indicate that technology, primarily mobile money and communication tools, is not merely a convenience but a transformative force that directly enhances household welfare. It was also found out that a group's resilience is fundamentally tied to its adaptive capacity, which manifests through both financial and social mechanisms. The study further revealed that sound leadership, characterized by inclusive Decision-making and transparent Resource Management is the bedrock upon which all other group strengths are built. The study concluded by stating that technology is a powerful catalyst for welfare: The use of mobile money and digital communication tools by women's savings groups significantly improves household welfare by ensuring timely access to healthcare, securing educational continuity, enhancing income stability, and protecting savings. It operationalizes the financial inclusion advocated in Uganda's National Financial Inclusion Strategy.