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Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda
Dissertation (MSc (Agricultural Economics))--University of Pretoria, 2025.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2025
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| _version_ | 1867613590728474624 |
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| access_status_str | Open Access |
| author2 | Makhura, Moraka N. |
| author_browse | Makhura, Moraka N. |
| author_facet | Makhura, Moraka N. |
| collection | Thesis |
| dc_rights_str_mv | © 2023 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Dissertation (MSc (Agricultural Economics))--University of Pretoria, 2025. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/100779 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:34.370Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/100779 Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda Makhura, Moraka N. u16081693@tuks.co.za Molaba, Mohlahli UCTD Uganda Smallholder farmers Savings groups Saving patterns Multiple correspondence analysis Dissertation (MSc (Agricultural Economics))--University of Pretoria, 2025. Savings are important in low-income countries such as Uganda where small-scale farmers use the little money they have to save for future shocks and investments. The study described socio-economic characteristics, saving approaches and patterns of small-scale farmers in Sironko district in Uganda. The main objective was to analyse the behaviour of smallholder farmers’ saving patterns in savings groups. The study analyzed primary data collected from 126 sample respondents from Sironko district. Descriptive statistics revealed male dominance in these groups by 90%. Most respondents reported having large household sizes of 8 to 10 members. Meanwhile 39% use the money received from the sale of farms to save, about 31% of members reported that their main purpose of saving is to invest in education. The study revealed saving approaches of these small farmers to include money saved in savings group, purpose of saving, sources of money, method of saving, method of earning money and share out month. Multiple Correspondence Analysis (MCA), a data reduction method was applied to variables to discern the correlations in these savings approaches that led to the development of indexes. The results showed three distinct patterns. The first pattern called Reserve pattern loaded with high savings (-0.49), which was negatively associated with the purpose to save to be an agricultural business (0.39) and the share out from October to November (0.44). This suggested a trade-off between savings and investment in agriculture. The second pattern, Income pattern, loaded with farm sales as a source of savings (0.49) and receiving cash income (0.41). Thirdly, a different way of saving which is savings group (SG) was labeled the Institutional pattern. Ordinary least square (OLS) was used to identify the factors that influence saving patterns (patterns derived from saving approaches). Selected socioeconomic and savings group characteristics were regressed against these patterns. Age group showed a significant positive association with reserve pattern and income pattern, indicating the importance of age in saving patterns. The number of sources of income required showed a negative relationship with the reserve pattern, institutional pattern, and overall saving pattern. The religious discrimination associated with these saving groups is supported by the negative influence of religion on the reserve pattern, the institutional pattern and the overall saving pattern. The cyclic share out has a positive effect on the reserve pattern and the income pattern. It has also shown great association of large end-of-year savings withdrawals with improved saving patterns. The number of community groups had a negative relationship with the reserve pattern, but a positive relationship with the institutional pattern. The worth of returns on savings was negatively associated with the income pattern, but positively influenced by the institutional pattern. The findings suggest a comprehensive approach to the savings behaviour of smallholders in savings groups. Age plays an important role in saving patterns. The members require age-appropriate financial literacy. Different sources of money require more education about use and management of finance. There is a need for support in the management and use of shared money to improve saving patterns. Community programs, including those led by religious organizations, are needed to promote economic development and raise public awareness of the importance and benefits of savings groups. More research is needed to examine region-specific studies, different savings methods, and longitudinal studies to effectively address the financial challenges faced by smallholder farmers. LDF (Louis Dreyfus Foundation) bursary Agricultural Economics, Extension and Rural Development Msc (Agricultural Economics) Unrestricted Faculty of Natural and Agricultural Sciences SDG-08: Decent work and economic growth SDG-09: Industry, innovation and infrastructure 2025-02-12T11:31:37Z 2025-02-12T11:31:37Z 2025-04 2025-02 Dissertation * A2025 http://hdl.handle.net/2263/100779 https://doi.org/10.25403/UPresearchdata.28398188 en © 2023 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Uganda Smallholder farmers Savings groups Saving patterns Multiple correspondence analysis Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title | Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title_full | Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title_fullStr | Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title_full_unstemmed | Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title_short | Factors influencing saving patterns of smallholder farmers in savings groups in Sironko district, Uganda |
| title_sort | factors influencing saving patterns of smallholder farmers in savings groups in sironko district uganda |
| topic | UCTD Uganda Smallholder farmers Savings groups Saving patterns Multiple correspondence analysis |
| url | http://hdl.handle.net/2263/100779 https://doi.org/10.25403/UPresearchdata.28398188 |