Smallholder Household Survey in Uganda Questionnaire For
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Digital Finance for Energy Access in Uganda
DIGITAL FINANCE FOR ENERGY ACCESS IN UGANDA: PUTTING MOBILE MONEY BIG DATA ANALYTICS TO WORK Mayank Jain, Robin Gravesteijn, Arne Jacobson, Emily Gamble, Nicola Scarrone ABSTRACT Access to clean energy is a basic need that directly supports people’s livelihood, yet more than 30 million Ugandans live without electricity. Pay-as-you-go (PayGo) is a promising and innovative financing solution that can make clean energy affordable for low-income people. However, there remains significant knowledge gaps regarding the digital energy finance market’s size, outreach, growth and impact. This study leverages anonymized mobile money data of PayGo solar energy users in Uganda to gain insight on digital energy financing in Uganda. It also draws from a customer phone survey that assesses solar product adoption and quality of life improvements. We find that the Uganda solar market is growing rapidly and currently has around one million active customers. Around 12 percent of the Ugandan households own a solar home system and there is opportunity for further market expansion, especially in areas with high levels of mobile money penetration. The clean energy market is becoming more inter-connected with the digital finance market. In fact, digital energy financing through PayGo has promoted wider financial inclusion around 110,000 new mobile money customers. Likewise, when Uganda’s implemented a temporary mobile money tax it caused an immediate slow-down in PayGo uptake and new mobile money activations indicating it negatively impacted the country’s access to clean energy and formal finance. The customer survey result indicates that poorer customers seem equally able to purchase larger solar systems as compared to richer customers because of mobile money financing. -
Public Notice
PUBLIC NOTICE PROVISIONAL LIST OF TAXPAYERS EXEMPTED FROM 6% WITHHOLDING TAX FOR JANUARY – JUNE 2016 Section 119 (5) (f) (ii) of the Income Tax Act, Cap. 340 Uganda Revenue Authority hereby notifies the public that the list of taxpayers below, having satisfactorily fulfilled the requirements for this facility; will be exempted from 6% withholding tax for the period 1st January 2016 to 30th June 2016 PROVISIONAL WITHHOLDING TAX LIST FOR THE PERIOD JANUARY - JUNE 2016 SN TIN TAXPAYER NAME 1 1000380928 3R AGRO INDUSTRIES LIMITED 2 1000049868 3-Z FOUNDATION (U) LTD 3 1000024265 ABC CAPITAL BANK LIMITED 4 1000033223 AFRICA POLYSACK INDUSTRIES LIMITED 5 1000482081 AFRICAN FIELD EPIDEMIOLOGY NETWORK LTD 6 1000134272 AFRICAN FINE COFFEES ASSOCIATION 7 1000034607 AFRICAN QUEEN LIMITED 8 1000025846 APPLIANCE WORLD LIMITED 9 1000317043 BALYA STINT HARDWARE LIMITED 10 1000025663 BANK OF AFRICA - UGANDA LTD 11 1000025701 BANK OF BARODA (U) LIMITED 12 1000028435 BANK OF UGANDA 13 1000027755 BARCLAYS BANK (U) LTD. BAYLOR COLLEGE OF MEDICINE CHILDRENS FOUNDATION 14 1000098610 UGANDA 15 1000026105 BIDCO UGANDA LIMITED 16 1000026050 BOLLORE AFRICA LOGISTICS UGANDA LIMITED 17 1000038228 BRITISH AIRWAYS 18 1000124037 BYANSI FISHERIES LTD 19 1000024548 CENTENARY RURAL DEVELOPMENT BANK LIMITED 20 1000024303 CENTURY BOTTLING CO. LTD. 21 1001017514 CHILDREN AT RISK ACTION NETWORK 22 1000691587 CHIMPANZEE SANCTUARY & WILDLIFE 23 1000028566 CITIBANK UGANDA LIMITED 24 1000026312 CITY OIL (U) LIMITED 25 1000024410 CIVICON LIMITED 26 1000023516 CIVIL AVIATION AUTHORITY -
Managing Director's Statement
Summary Financial Statements Housing Finance Bank 2020 Performance Highlights For The Year Ended 31 December 2020 Report Of The Independent Auditor On The Summary Financial Statements To The Shareholders Of Housing Finance Bank Limited I II Statement Of Financial Position As At 31 December 2020 Our Opinion The Audited Financial Statements And 2020 2019 Our Report Thereon Assets Ushs '000 Ushs '000 In our opinion, the accompanying sum- Cash and balances with the central bank 78,801,610 115,135,554 mary financial statements of Housing Fi- We expressed an unmodified audit opin- Deposits and balances due from other banks 48,823,936 56,228,534 nance Bank Limited (“ the Bank”) for the ion on the audited financial statements of Government securities at FVPL 146,919,395 1,364,818 1,108 BN 654.2 BN 551 BN 20.69 BN 250.1 BN year ended 31 December 2020 are con- the Bank for the year ended 31 December Government securities at amortised cost 212,748,084 117,349,831 Total Assets Customer Net Loans Profit After Shareholders’ sistent, in all material respects, with the 2020 in our report dated 21 April 2021. Loans and advances (net) 550,608,755 553,524,657 Deposits Tax Equity audited financial statements of the Bank That report also includes the communi- Other assets 22,568,678 23,346,460 for the year ended 31 December 2020, in cation of a key audit matter. A key audit Property and equipment 31,789,871 29,171,335 Total assets Customer Net loans and Profit After Tax Shareholders’ accordance with the Financial Institutions matter is that which in our professional Intangible assets 7,032,093 6,212,368 increased by 22% deposits advances to declined by 8% equity increased (External Auditors) Regulations, 2010 and judgement, is of most significance in our Capital work in progress 739,311 2,002,197 from Shs 912 increased by 17% customers from Shs 22.5 by 18% from Shs the Financial Institutions Act, 2004. -
UIBFS-FINANCIAL-SERVICES-MAGAZINE-Issue-011-2021-Web.Pdf
Financial Services Magazine Finance and Banking BANKING • COMMODITIES • INSURANCE • STOCK MARKETS • MICROFINANCE • TECHNOLOGY • REAL ESTATE AUGUST 2021 /ISSUE 011 , FREE COPY SERVICES MAGAZINE Banking on Innovative Financial Technology to Deliver a Cashless Economy FINANCE & BANKING MICRO FINANCE FINANCIAL NEWS How banks and fintechs are Digitizing financial transactions Artificial intelligence as a key leading Uganda into a cashless in Micro Finance Institutions, driver of the bank of the future. economy post COVID -19. SACCOs to promote efficiency. UGANDA KENYA RWANDA SOUTH SUDAN BURUNDI TANZANIA ISSUE 11 July - August 2021 I Financial Services Magazine Finance and Banking II ISSUE 11 July - August 2021 Financial Services Magazine Finance and Banking CONTENTS 01 How Banks & Fintechs are Leading Uganda into a Cashless Economy Post Covid 19 04 Towards a Cashless Economy in Uganda-A Regulatory Perspective 08 Digital Banking Innovations mean Uganda is On Track to Achieve a Cashless Economy 11 Financial Inclusion & Evolution of Digital Payments In Uganda 12 Artificial intelligence as a key driver of the bank of the future 16 Role of Data Driven Analytics in Business Decision Making 18 Emerging Financial Crimes and Digital Threats to Financial Sector Growth 22 Relevance of Bancassurance to The Customer Today 24 Uganda - Dealing with Cyber security Risk in The Banking and Financial Services Industry: The Need for a New Mindset 27 Housing Finance Bank: Overcoming Challenging Times Through Customer Focus and Dedication 29 Digitizing Financial -
Invitation to Tender for Treasury Bills Issue No 1097
BANK OF UGANDA 37/45 KAMPALA ROAD, P.O. BOX 7120, KAMPALA; Telephone: 256-414- 258441/6 or 258061/6, 0417 302000, 0312 392000; Telex: 61069/61244; Fax 256-414-233818 Web site: www.bou.or.ug E-mail address: [email protected] ISSUED UNDER PUBLIC FINANCE MANAGEMENT ACT 2015 ISSUE NO 1097 INVITATION TO TENDER Bank of Uganda invites applications for Uganda Government Treasury Bills securities as follows: OFFERING AMOUNT: 245,000,000,000/= DESCRIPTION OF OFFERING: ISIN UG11B0807211 91 DAYS 15,000,000,000/= ISIN UG11C0710215 182 DAYS 35,000,000,000/= ISIN UG11E0704222 364 DAYS 195,000,000,000/= AUCTION DATE: Wednesday April 07, 2021. SETTLEMENT DATE: Thursday April 08, 2021. 12PM MATURITY DATE: 91 DAYS 8th July 2021 182 DAYS 7th Oct 2021 364 DAYS 7th Apr 2022 AUCTION INFORMATION Primary Dealers (PDs) and other commercial banks should submit all bids to Bank of Uganda through the Central Securities Depository (CSD) by 10.00am on Wednesday April 07, 2021. Minimum Competitive Bid Amount (ONLY BY PRIMARY DEALERS): 200,100,000/= Minimum Non-Competitive Bid Amount: 100,000/= PRICING AND SUBMISSION OF BIDS: Competitive Bids (by PDs): Prices must be expressed with 3 decimal places e.g. 99.999 Non-Competitive Bids: Accepted in full at the cut-off price up to 200,000,000/= per maturity OTHER INFORMATION: ALL successful bids (Competitive Bids and Non-Competitive Bids) will be allocated at one price, the auction lowest price per 100 (corresponding to the auction highest accepted yield). Bank of Uganda reserves the right to increase or reduce the amount offered for auction and accept or reject any or all applications in part or in whole. -
Airtel Africa Plc Results for the Nine-Month Period Ended 31 December 2020 29 January 2021
Airtel Africa plc Results for the nine-month period ended 31 December 2020 29 January 2021 Another quarter of double-digit growth, with continued improvement in revenue growth and EBITDA profitability Highlights • Reported revenue increased by 13.8% to $2,870m with Q3’21 reported revenue growth of 19.5%. • Constant currency underlying revenue growth was 18.6%, with Q3’21 growth of 22.8%. Growth for the nine months was recorded across all regions: Nigeria up 21.6%, East Africa up 23.4% and Francophone Africa up 8.0%; and across all services, with voice revenue up 10.4%, data up 31.1% and mobile money up 34.2%. • Underlying EBITDA for the nine months was $1,297m, up 16% in reported currency while constant currency underlying EBITDA growth was 22.5%. • Underlying EBITDA margin for the nine months was 45.5%, up by 118 bps (up 144 bps in constant currency). Q3’21 underlying EBITDA margin was 46.9%. • Operating profit increased by 21.8% to $800m in reported currency, and by 29.9% in constant currency. • Free cash flow was $466m, up 20% compared to the same period last year. • Basic EPS was 5.5 cents, down 36.5%, largely due to prior year exceptional items and a one-off derivative gain. Excluding these, basic EPS rose by 19.8%. EPS before exceptional items was 5.0 cents. • Customer base up 11.0% to 118.9 million, with increased penetration across mobile data (customer base up 23.5%) and mobile money services (customer base up 29.0%). -
4.9 Uganda Additional Service Provision Contact List Uganda Additional Service Provision Contact List
4.9 Uganda Additional Service Provision Contact List Uganda Additional Service Provision Contact List Type of Service Company Location(s) Physical Address Email & Website Phone Number (office) Description of Services Provided Supplier of Sunrise Commodities Kampala Plot 163/165, Monteirovincent711@y Mob: +256 712 624 624 Suppliers and millers maize, beans, ahoo.com & Millers Bombo Road, maize flour and Kawempe CSB Supplier Aponye (U) Ltd Kampala Nalukolongo aponyeonline@gmail. +256 414 270 526 Supply and com Mob: +256 772 603 transportation of grains 909 Supplier Premier Commodities Kampala Nalukolongo info@premiercommodit n/a Ltd ies.com Supplier Export Trading Group Kampala Industrial Area info.uganda@etgworld. n/a Supply of grains and oils Namanve com http://www.etgworld. com Supplier Byinzika Enterprises Kampala Plot 3, Johnston [email protected] +256 414 259 519/312 n/a Ltd Street, 277 221 http://www.biyinzika.co. ug/ Fax: +256 414 343 268 Supplier Tiny Mirrors Kampala Plot 17 Old n/a Mob: n/a Masaka Road, +256-712-666453 Nalukolongo industrial area, Fax: +256-414-274777 Kampala Supplier SRS (U) Ltd Kampala n/a n/a +256 41 285 282 +256 n/a 41 505 723 Supplier Diary Kampala n/a n/a n/a n/a Corporation Ltd Supplier MTN Uganda Plot 22 Hanninton Kampala customerservice@mt +256 31 221 2333 Supplier Road n.co.ug Ltd - VSAT Fax: +256 31 221 2233 http://mtn.co.ug/ Supplier Agro ways (U) Ltd Plot 34-60 Jinja http://www.agroways. +256 454 479 381 Supplies/warehousing ug/ Kyabazinga Mob: +256 712 Way, Jinja 404245, +256 782 391354 Supplier Capital Reef- n/a Kampala HK@CAPITALREEF. -
A Mediator of Relationship Marketing and Customer Loyalty
A Service of Leibniz-Informationszentrum econstor Wirtschaft Leibniz Information Centre Make Your Publications Visible. zbw for Economics Ngoma, Muhammed; Ntale, Peter Dithan Article Word of mouth communication: A mediator of relationship marketing and customer loyalty Cogent Business & Management Provided in Cooperation with: Taylor & Francis Group Suggested Citation: Ngoma, Muhammed; Ntale, Peter Dithan (2019) : Word of mouth communication: A mediator of relationship marketing and customer loyalty, Cogent Business & Management, ISSN 2331-1975, Taylor & Francis, Abingdon, Vol. 6, pp. 1-20, http://dx.doi.org/10.1080/23311975.2019.1580123 This Version is available at: http://hdl.handle.net/10419/206161 Standard-Nutzungsbedingungen: Terms of use: Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Documents in EconStor may be saved and copied for your Zwecken und zum Privatgebrauch gespeichert und kopiert werden. personal and scholarly purposes. Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle You are not to copy documents for public or commercial Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich purposes, to exhibit the documents publicly, to make them machen, vertreiben oder anderweitig nutzen. publicly available on the internet, or to distribute or otherwise use the documents in public. Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, If the documents have been made available under an Open gelten abweichend von -
Report to Parliament
INSPECTORATE OF GOVERNMENT INSPECTORATE OF GOVERNMENT REPORT TO PARLIAMENT JANUARY - JUNE 2014 REPORT TO PARLIAMENT 1 JANUARY-JUNE 2014 INSPECTORATE OF GOVERNMENT JANUARY-JUNE 2014 2 REPORT TO PARLIAMENT INSPECTORATE OF GOVERNMENT INSPECTORATE OF GOVERNMENT REPORT TO PARLIAMENT JANUARY - JUNE 2014 REPORT TO PARLIAMENT 3 JANUARY-JUNE 2014 INSPECTORATE OF GOVERNMENT JANUARY-JUNE 2014 4 REPORT TO PARLIAMENT INSPECTORATE OF GOVERNMENT INSPECTORATE OF GOVERNMENT HEAD OFFICE Jubilee Insurance Centre. Plot 14, Parliament Avenue. P. O. Box 1682 Kampala Tel: +256-414 344 219 | +256-414 259 738 (General lines) +256-414 255 892 | +256-414 251 462 (Hotline) +256-414 347 387 Fax: +256-414 344 810 | Website: www.igg.go.ug Vision: Mission: Core Values: “Good Governance To Promote Good Governance through Integrity, with an Ethical and enhancing accountability, Transparency Impartiality Corruption Free and the enforcement of the rule of law Professionalism Society” and administrative justice in public Gender Equality and offices Equity OFFICE OF THE INSPECTOR GENERAL OF GOVERNMENT Inspector General of Government Ms. Irene Mulyagonja Kakooza Tel: +256 414 259 723 | Fax: +256 414 344 810 +256 414 257 590 | Email: [email protected] Deputy Inspector General of Government Information and Internal Inspection Division Mr. George Nathan Bamugemereire Head: Mr. Stephen Kasirye Tel: +256 414 259780 Tel: +256 414 342113 Email: [email protected] Email: [email protected] Deputy Inspector General of Government Public and International Relations Division Ms. Mariam Wangadya Head: Ms. Munira Ali Bablo Tel: +256 414 259709 Tel: +256 414 231530 Email: [email protected] Email: [email protected] DEPARTMENT OF FINANCE AND ADMINISTRATION Secretary to the Inspectorate of Government Undersecretary finance and Administration Mr. -
Absa Bank 22
Uganda Bankers’ Association Annual Report 2020 Promoting Partnerships Transforming Banking Uganda Bankers’ Association Annual Report 3 Content About Uganda 6 Bankers' Association UBA Structure and 9 Governance UBA Member 10 Bank CEOs 15 UBA Executive Committee 2020 16 UBA Secretariat Management Team UBA Committee 17 Representatives 2020 Content Message from the 20 UBA Chairman Message from the 40 Executive Director UBA Activities 42 2020 CSR & UBA Member 62 Bank Activities Financial Statements for the Year Ended 31 70 December 2020 5 About Uganda Bankers' Association Commercial 25 banks Development 02 Banks Tier 2 & 3 Financial 09 Institutions ganda Bankers’ Association (UBA) is a membership based organization for financial institutions licensed and supervised by Bank of Uganda. Established in 1981, UBA is currently made up of 25 commercial banks, 2 development Banks (Uganda Development Bank and East African Development Bank) and 9 Tier 2 & Tier 3 Financial Institutions (FINCA, Pride Microfinance Limited, Post Bank, Top Finance , Yako Microfinance, UGAFODE, UEFC, Brac Uganda Bank and Mercantile Credit Bank). 6 • Promote and represent the interests of the The UBA’s member banks, • Develop and maintain a code of ethics and best banking practices among its mandate membership. • Encourage & undertake high quality policy is to; development initiatives and research on the banking sector, including trends, key issues & drivers impacting on or influencing the industry and national development processes therein through partnerships in banking & finance, in collaboration with other agencies (local, regional, international including academia) and research networks to generate new and original policy insights. • Develop and deliver advocacy strategies to influence relevant stakeholders and achieve policy changes at industry and national level. -
Banking Sector Liberalisation in Uganda Process, Results and Policy Options
Banking Sector Liberalisation in Uganda Process, Results and Policy Options Research report Editors: Madhyam & SOMO December 2010 Banking Sector Liberalisation in Uganda Process, Results and Policy Options Research report By: Lawrence Bategeka & Luka Jovita Okumu (Economic Policy Research Centre, Uganda) Editors: Kavaljit Singh (Madhyam), Myriam Vander Stichele (SOMO) December 2010 SOMO is an independent research organisation. In 1973, SOMO was founded to provide civil society organizations with knowledge on the structure and organisation of multinationals by conducting independent research. SOMO has built up considerable expertise in among others the following areas: corporate accountability, financial and trade regulation and the position of developing countries regarding the financial industry and trade agreements. Furthermore, SOMO has built up knowledge of many different business fields by conducting sector studies. 2 Banking Sector Liberalisation in Uganda Process, Results and Policy Options Colophon Banking Sector Liberalisation in Uganda: Process, Results and Policy Options Research report December 2010 Authors: Lawrence Bategeka and Luka Jovita Okumu (EPRC) Editors: Kavaljit Singh (Madhyam) and Myriam Vander Stichele (SOMO) Layout design: Annelies Vlasblom ISBN: 978-90-71284-76-2 Financed by: This publication has been produced with the financial assistance of the Dutch Ministry of Foreign Affairs. The contents of this publication are the sole responsibility of SOMO and the authors, and can under no circumstances be regarded as reflecting the position of the Dutch Ministry of Foreign Affairs. Published by: Stichting Onderzoek Multinationale Ondernemingen Centre for Research on Multinational Corporations Sarphatistraat 30 1018 GL Amsterdam The Netherlands Tel: + 31 (20) 6391291 Fax: + 31 (20) 6391321 E-mail: [email protected] Website: www.somo.nl Madhyam 142 Maitri Apartments, Plot No. -
Mapping Uganda's Social Impact Investment Landscape
MAPPING UGANDA’S SOCIAL IMPACT INVESTMENT LANDSCAPE Joseph Kibombo Balikuddembe | Josephine Kaleebi This research is produced as part of the Platform for Uganda Green Growth (PLUG) research series KONRAD ADENAUER STIFTUNG UGANDA ACTADE Plot. 51A Prince Charles Drive, Kololo Plot 2, Agape Close | Ntinda, P.O. Box 647, Kampala/Uganda Kigoowa on Kiwatule Road T: +256-393-262011/2 P.O.BOX, 16452, Kampala Uganda www.kas.de/Uganda T: +256 414 664 616 www. actade.org Mapping SII in Uganda – Study Report November 2019 i DISCLAIMER Copyright ©KAS2020. Process maps, project plans, investigation results, opinions and supporting documentation to this document contain proprietary confidential information some or all of which may be legally privileged and/or subject to the provisions of privacy legislation. It is intended solely for the addressee. If you are not the intended recipient, you must not read, use, disclose, copy, print or disseminate the information contained within this document. Any views expressed are those of the authors. The electronic version of this document has been scanned for viruses and all reasonable precautions have been taken to ensure that no viruses are present. The authors do not accept responsibility for any loss or damage arising from the use of this document. Please notify the authors immediately by email if this document has been wrongly addressed or delivered. In giving these opinions, the authors do not accept or assume responsibility for any other purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly agreed by the prior written consent of the author This document has been prepared solely for the KAS and ACTADE.