At Kigali Independent University (ULK), we believe that publications make scientific information publicly available and allow the rest of the academic audience to evaluate the quality of academic research. Please check below to see more of our research publications.
1. Jean Bosco Harelimana, & Marthe Umugwaneza. (2024). The Effects of Monitoring and Evaluation on the Performance of Diary Community Processing Centre in Rwanda. J Bus Econo Stud. 2024. 1(1): 1-6. DOI: doi.org/10.61440/JBES.2024.v1.09
2. Ngirababo rwusira, dan. (2024). Impact of credit offered by financial institutions on socio- economic development. Vol. 8 issue 8. 206.
3. Gashema , B., & Alain , A. M. (2023). Building Customer Trust in e-commerce: A Study on Buyers’ Adoption and Usage Intent in Rwanda . International Journal of Finance & Banking Studies (2147-4486), 11(4),47–57. https://doi.org/10.20525/ijfbs.v11i4.2004
4. Amani Manzi Alain et al., (2023). Agent liquidity: A catalyst for mobile money banking among the unbanked poor population in rural sub-Saharan Africa, Cogent Economics & Finance, 11:1, 2203435, DOI: 10.1080/23322039.2023.2203435:
https://doi.org/10.1080/23322039.2023.2203435
5. Gashema, B., & Alain, A. M. (2023). Building Customer Trust in e-commerce: A Study on Buyers’ Adoption and Usage Intent in Rwanda. International Journal of Finance & Banking Studies (2147-4486), 11(4), 47–57.
https://doi.org/10.20525/ijfbs.v11i4.2004
6. Okello Candiya Bongomin et al., (2023). Agent liquidity: A catalyst for mobile money banking among the unbanked poor population in rural sub-Saharan Africa, Cogent Economics & Finance, 11:1, 2203435, DOI:10.1080/23322039.2023.2203435:
https://doi.org/10.1080/23322039.2023.2203435
7. Okello Candiya Bongomin et al., (2023). Contactless digital financial innovation and global contagious COVID-19 pandemic in low income countries: Evidence from Uganda, Cogent Economics & Finance, 11:1, 2175467,
DOI: 10.1080/23322039.2023.2175467:https://doi.org/10.1080/23322039.2023.2175467
8. Musabe Jean Bosco et al., (2023). MGFEEN: A Multi-Granularity Feature Encoding Ensemble Network for Remote Sensing Image Classification.
9. George Okello Candiya Bongomin at al.,(2023) Agent liquidity: A catalyst for mobile money banking among the unbanked poor population in rural sub-Saharan Africa, Cogent Economics & Finance, 11:1, DOI: 10.1080/23322039.2023.2203435
10. Habiyaremye, A. D. & Sikubwabo, C. (2023). Effect of Project Planning Practices on the Performance of Tourism Projects: A Case of Sabyinyo Community Livelihood
Association, Kinigi Sector, Musanze District. Journal of Entrepreneurship and Project Management, 7 (15), 152-162. DOI: https://doi.org/10.53819/81018102t2293.
Available at: https://stratfordjournals.org/journals/index.php/journal-of- entrepreneurship-proj/article/view/2018
11. Nkurunziza A., & Sikubwabo, C. (2023). Effect of Stakeholders’ Management Practices on the Performance of Social Protection Projects: A Case of Girinka Program in Musanze District, Rwanda. Journal of Entrepreneurship & Project Management, l7(15), 140-151 DOI: https://doi.org/10.53819/81018102t2289
12. Zenawii, L.A. & Sikubwabo, C. (2023). Influence of Socio-economic factors on the performance of Agricultural projects: A case of Rwanda Dairy development projects, Musanze District, Rwanda. Journal of Entrepreneurship & Project Management, 7 (15), 21-33. DOI: https://doi.org/10.53819/81018102t4228
Available at:
13. Nzamwita, D. & Sikubwabo, C. (2023). Effect of Monitoring and Evaluation on Performance of Water Supply Projects in Gakenke District, Rwanda. Journal of Entrepreneurship & Project Management, 7 (9), 22-36.
Available at: https://stratfordjournals.org/journals/index.php/journal-of-entrepreneurship-proj/article/view/1771
14. Masengesho, S. & Sikubwabo, C. (2023). Effect of students’ behaviors management strategies on their academic performance in secondary schools in Rwanda: A case of secondary schools in Burera district. Global Scientific Journals,11 (2), 264-274
Available at:
15. Mugiraneza, S. & Sikubwabo, C. (2023). The effect of African Institute for Mathematics and Sciences teacher training program on the improvement of teacing Mathematics and sciences at selected secondary schools, Musanze District, Rwanda, Global Scientific Journals,11 (1), 1428-1446.
Available at:
https://www.globalscientificjournal.com/journal_volume11_issue1_January_2023_edition_p4.html
16. Vincent, N., Cyuzuzo, A.C. and Uwimana, I.N. (2023). National Professional Internship Programme (NPIP) for Higher Learning Institutions Graduates and Their Future Employment Opportunities: A Study from Rwanda Development Board (RDB). Open Access Library Journal, 10: e10649. https://doi.org/10.4236/oalib.1110649
17. Nkundabaramye V, Kwihangana I, & Uwera S. (2023). The COVID-19 Pandemic and Unemployment in Kigali City, Rwanda. International Journal of Social Science and Human Research. Available at: https://doi.org/10.47191/ijsshr/v6-i7-44
18. Niyonsaba, A. & Sikubwabo, C. (2022). Teacher personnel Management and learning effectiveness in Rwandan primary schools. A case of Burera District [Rwanda]. Voice of Research, 10 (4), 1-12.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_1.pdf
19. Umuhoza C. & Sikubwabo, C. (2022). Classroom management techniques and students’ academic performance in private secondary schools in Musanze District, Rwanda. International Journal of all research Writings, 3(7), 93-97. Available at: https://www.ijarw.com/Users/ManuScript/ManuScriptDetails/4e0dbd8-7-736f-48f0-beb6-f0003ff9e8df
20. Uwanyirigira, M.C. & Sikubwabo, C. (2022). Teachers’ working conditions and learners’ academic performance in Rwandan public secondary schools: A case of Burera District (2014-2019). Voice of Research, 10 (4), 13-22.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_2.pdf
21. Mutabeshya, C. & Sikubwabo, C. (2022). Effect of family socio-economic status on students’ academic achievement in Nine Years Basic Education (NYBE) schools. A case of Rubavu District, Rwanda. Voice of Research, 41 (9), 36-52.
Available at: https://ideas.repec.org/p/vor/issues/2022-41-09.html
22. Minani, J.P. & Sikubwabo, C. (2022). The role of Technical and Vocational Education and Training (TVET) in empowering women in Rwanda: A case of Rubavu District. Voice of Research, 10 (4), 111-126.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_10.pdf
23. Ndandu, M. & Sikubwabo, C. (2022). Contribution of Competence Based Curriculum to the improvement of learning in Rwandan Secondary schools: A case of Burera District. Voice of Research, 41 (12), 25-40.
Available at: https://ideas.repec.org/p/vor/issues/2022-41-12.html
24. Ngabonziza, J.C. & Sikubwabo, C. (2022). Investigating the causes of school dropout in Nine Years Basic Education schools in Rwanda and its possible solutions: A case of Rutsiro District. Voice of Research. 10 (4), 153-161.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_14.pdf
25. Rukundo, D. & Sikubwabo, C. (2022). Contribution of Technical and Vocational Education and Training (TVET) program in promoting employment opportunities Among the youth in Rwanda: A case of Nyabihu District. Voice of Research, 10 (3), 17-31.
Available at: http://www.voiceofresearch.org/Doc/Dec-2021/Dec-2021_3.pdf
26. Nshimiyimana, P. & Sikubwabo, C. (2022). Contribution of instructional supervision practices by the school authorities in improving learners’ academic performance in private secondary schools in Burera District, Rwanda. Voice of Research,10 (4),23-29.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_3.pdf
27. Uwizeyimana, V. & Sikubwabo, C. (2022). Discipline enforcement techniques and students’ academic performance in Rwandan Nine and Twelve Years Basic Education schools: A case of Musanze District (2017-2019). Voice of Research, 10(3), 1-7.
Available at: http://voiceofresearch.org/Doc/Dec-2021/Dec-2021_1.pdf
28. Habihirwe, P. & Sikubwabo, C. (2022). Effects of information and communication technology on students’ learning behavior in Rwandan secondary schools in Musanze district. Voice of Research, 11 (1): 47-71
Available at: http://voiceofresearch.org/Doc/Jun-2022/Jun-2022_2.pdf
29. Amani, M.C. & Sikubwabo, C. (2022). Effect of community engagement on learners’ academic performance in rwandan primary schools. a case of Kanzenze and Mudende sector (s) in Rubavu district (2015/2020). Voice of Research, 11(1): 97-108.
Available at: http://voiceofresearch.org/Doc/Jun-2022/Jun-2022_6.pdf
30. Bizimana, E. & Sikubwabo, C. (2022). Planning for Teaching as a Predictor for Trainees Academic Performance in Rwanda Polytechnic: A Case of IPRC Huye and IPRC Kitabi. International Journal Of All Research Writings,
Available at:
31. Parsien, J.C. & Sikubwabo, C. (2022). Effect of Extracurricular Activities on Learning Process in Rwandan Public Boarding Secondary Schools: A Case of Rwamagana District/Rwanda (2014/2019). Voice of Research, 10(4): 30-36.
Available at: http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_4.pdf
32. Mugeni, M.C. & Sikubwabo.C. (2022). Effect of E-learning utilisation during Covid-19 on learning effectiveness in Rwandan public higher learning institutions : A case of UR-CAVEM, Voice of Research, 11(3): 97-108.
Available at : http://www.voiceofresearch.org/Doc/Dec-2022/Dec-2022_4.pdf
33. Niyonzima, S. & Sikubwabo, C. (2022). Assessing Free Basic Education and learning outcomes of 12 years basic education schools : A case of Burera District. Voice of Research, 11(3): 33-45.
Available at : http://www.voiceofresearch.org/Doc/Dec-2022/Dec-2022_1.pdf
34. Nduwayo, J. & Sikubwabo, C. (2022). Effect of teacher professional development practices on English learning outcomes in Rwandan primary schools: A case of Musanze district. Voice of Research, 11(2): 1-12.
Available at : http://voiceofresearch.org/Doc/Sep-2022/Sep-2022_1.pdf
35. Mpinganzima, S. & sikubwabo, C. (2022). Effect of teacher’s time management, preparation; and program completion on learner’s academic achievement in Rwandan primary schools. A case of Nyakabanda Sector, in Nyarugenge District (2014/2019). Voice of Research, 11(2): 13-27.
Available at : http://www.voiceofresearch.org/Doc/Sep-2022/Sep-2022_2.pdf
36. Ndayisaba, J.C. & Sikubwabo, C. (2022). Effect of school feeding program on students’ academic performance in Rubavu district of Rwanda (2020-2021). Voice of Research, 10(4): 74-84.
Available at : https://econpapers.repec.org/paper/vorissues/2022-41-08.htm
37. Mutabeshya, C. & Sikubwabo, C. (2022). Effect of family socio-economic status on students’ academic achievement in nine-year basic education (9YBE) schools. A case of Rubavu district, Rwanda. Voice of Research, 10(4): 85-110.
Available at : http://www.voiceofresearch.org/Doc/Mar-2022/Mar-2022_9.pdf
38. Niyotwagira, M. & Sikubwabo, C. (2022). Parental Involvement And Learner’s Academic Performance In Nine Years Basic Education. Case Of Mukamira And Jenda Sectors In Nyabihu District, Rwanda. 2014/2019. Global Scientific Journals, 10 (2), 1113-1141.
Avalable at :
39. Vincent Nkundabaramye. (2022). Effects of the East African Community Single Customs Territory (EACSCT) on the Movement of Goods along the Rwandan Customs Posts. Available at: https://doi.org/10.5296/jsss.v9i2.19286
40. Nkundabaramye Vincent, (2022). Trade Facilitation Initiative: A Study from Rwandan Customs Posts in New Innovations in Economics, Business and Management (9)17. Available at: https://doi.org/10.9734/bpi/niebm/v9/15924D
41. Amani Manzi Alain (2022). An evaluation of Financial Literacy among business Owners of Micro, Small and Medium Enterprises in Rwanda. ULK Scientific Journal, Special Issue September 2022.
42. Nkundabaramye Vincent, & Mom Aloysious Njong. (2022). Effects of Rwanda Electronic Single Window (RESW) on the Movement of Goods along the Rwandan Customs Posts.
43. Bavugirije, F. Umutoni, O. & Sikubwabo, C. (2021). Family background and academic performance of learners in some twelve years basic education schools of Rwamagana district in Eastern Province, Rwanda. International Journal of all
Research Writings, 3(6), 2582-1008.
Available at:http://www.ijarw.com/Users/ManuScript/ManuScriptDetails/4a179bcc-4a68-446e-b3d2-f411de08d7b7
Available at: https://www.scirp.org/journal/paperinformation?paperid=12081
44. Nkundabaramye Vincent, & Mom Aloysious Njong. (2021). Effects of One Stop Border Posts (OSBPs) Trade Facilitation Initiative on the Movement of Goods along the Rwandan Customs Posts.
Available at: https://www.scirp.org/journal/paperinformation.aspx?paperid=113597
45. Gashema, B. (2021). Predicting innovative work behaviors through transformational leadership: The moderating role of corporate social responsibility. International Journal of Research in Business and Social Science (2147-4478), 10(1), 69–84.
https://doi.org/10.20525/ijrbs.v10i1.999.
46. Okello Candiya Bongomin et al., (2021). Psychoanalysis of the mobile money ecosystem in the digital age: generational cohort and technology generation theoretical approach. Development in Practice. Taylor & Francis.
https://doi.org/10.1080/09614524.2021.1937539.
47. Okello Candiya Bongomin, G. & Ntayi, J.M. (2021). Reimaging the mobile money ecosystem and financial inclusion of MSMEs in Uganda: Hedonic motivation as mediator. International Journal of Social Economics, DOI 10.1108/IJSE-09-2019-0555.
48. Okello Candiya Bongomin et al., (2021). Financial Intermediation by Microfinance Banks in Rural Sub-Saharan Africa: Financial Intermediation Theoretical Approach. Journal of Comparative International Management, Special Issue December, 2021.
49. Amani Manzi Alain et al., (2021). Psychoanalysis of the mobile money ecosystem in the digital age: generational cohort and technology generation theoretical approach. Development in Practice. Taylor & Francis.
https://doi.org/10.1080/09614524.2021.1937539
50. Sikubwabo, C. (2021). Understanding the effect of domestic violence on learning effectiveness among primary school learners. A case of Rubavu District. Inkanyiso: The Journal of Humanities and Social Science, 12(2), 13-33
Available at : https://www.ajol.info/index.php/ijhss/article/view/212336
51. Okello Candiya Bongomin et al., (2020). Digital financial innovations in the 21st century: do transaction tax exemptions promote mobile money services for financial inclusion in developing countries? Journal of Economic and Administrative Sciences, Vol. 36 No. 3, pp. 185-203: DOI 10.1108/JEAS-01-2019-0007.
52. Okello Candiya Bongomin et al., (2020). Analyzing the relationship between financial literacy and financial inclusion by microfinance banks in developing countries: Social network theoretical approach. International Journal of Sociology and Social Policy, DOI: 10.1108/IJSSP-12-2019-0262. Emerald Publishing Limited.
53. Okello Candiya Bongomin, G & Ntayi, J.M. (2020). Trust: mediator between mobile money adoption and usage and financial inclusion. Social responsibility Journal, Vol. 16 No. 8, pp. 1215-1237, DOI 10.1108/SRJ-01-2019-0011.
54. Okello Candiya Bongomin et al., (2020). Microfinance accessibility, social cohesion, and survival of Women MSMEs in post-war communities in Sub-Saharan Africa: Empirical evidence from Northern Uganda. Journal of Small Business and Enterprise Development. DOI: 10.1108/JSBED-12-2018-0383. Emerald Publishing Limited.
55. Gashema, B., & Kadhafi, M. I. (2020). Advancing employee’s innovative work behaviors in the workplace: The role of transformational leadership, positive psychological capital and effort-reward fairness. Bussecon Review of Social Sciences (2687-2285), 2(1), 13–26. https://doi.org/10.36096/brss.v2i1.178 (Original work published February 25, 2020)
56. Sikubwabo, C., Muhirwa, A. & Ntawiha, P. (2020). Considering graduate employability as a predictor for the shrinking of student enrollments in selected private tertiary institutions in Rwanda. African Journal for the Psychological Study of Social Issues, 23 (2), 54-70.
Available at : http://ajpssi.org/index.php/ajpssi/article/view/433
57. Sikubwabo C., Muhirwa A. & Ntawiha P. (2020). Understanding the institutional influence on the falling of student enrollments in private higher education institutions: A case of Rwanda. International Journal of Community Research, 9(4): 89 – 99.
Available at : https://www.researchgate.net/publication/345993606
58. Sikubwabo,C., Muhirwa, A. & Ntawiha, P. (2020). Exploring effective strategies to revamp the student enrolments in private tertiary institutions: A case of Rwanda. Inkanyiso: The Journal of Humanities and Social Science, 12(2), 130-144.
Available at : https://www.ajol.info/index.php/ijhss/article/view/203826
59. Sikubwabo,C., Muhirwa, A. & Ntawiha, P. (2020). Investigating the Influence of Family Factors on the Decrease of Student Enrollments in Selected Private Higher Learning Institutions in Rwanda. IOSR Journal of Humanities and Social Science (IOSR-JHSS), 25(7), 46-58. DOI: 10.9790/0837-2507124658
Available at : https://www.iosrjournals.org/iosr-jhss/papers/Vol.25-Issue7/Series- 12/F2507124658.pdf
60. Okello Candiya Bongomin, G & Munene, J.C. (2020). Examining the role of financial intermediaries in promoting financial literacy and financial inclusion of the poor in developing countries: Lessons from rural Uganda. Cogent Economics and Finance. DOI: 10 1080/23322039.2020.1761274. Taylor & Francis.
61. Okello Candiya Bongomin, G & Ntayi, J.M. (2020). Mobile money adoption and usage and financial inclusion: mediating effect of digital consumer protection. Digital Policy, Regulation and Governance: DOI 10.1108/DPRG-01-2019-0005. Emerald Publishing Limited.
62. Okello Candiya Bongomin et al., (2020). “Access to Finance and Survival of Micro Small and Medium Enterprises: Social Learning and Consumer Socialization Theoretical Perspectives”. Journal of Economic and Administrative Sciences: DOI: 10.1108/JEAS-12-2019-0142.
63. Okello Candiya Bongomin et al., (2020). Do social networks promote mobile money usage for financial inclusion in rural settings in sub-Saharan Africa? Empirical evidence from poor households in Uganda. International of Finance & Economics, IJEF -21-0007Wiley & Sons.
64. Okello Candiya Bongomin, G & Munene, J.C. (2019). Financial Inclusion of the Poor in Developing Economies in the Twenty-first Century: Qualitative Evidence from Rural Uganda. Journal of African Business. DOI: 10.1080/15228916.2019.1646601.
65. Okello Candiya Bongomin, G & Munene, J.C. (2019). Analyzing the Relationship between Mobile Money Adoption and Usage and Financial Inclusion of MSMEs in Developing Countries: Mediating Role of Cultural Norms in Uganda. Journal of African Business. DOI: 10.1080/15228916.2019.1695189.
66. Okello Candiya Bongomin, G & Munene, J.C. (2019). Procedural and declarative cognitions: Do they boost financial literacy among clients of microfinance banks in developing countries? International Journal of Ethics and Systems. DOI
10.1108/IJOES-01-2019-0026.
67. Gashema, B., & Mokua, J. K. (2019). Trickle-down effect of CEO transformational leadership on employee’s innovative work behaviors: Examining the role of managerial innovation behavior and organizational innovation culture. International Journal of Business Ecosystem & Strategy (2687-2293), 1(2), 01–14. https://doi.org/10.36096/ijbes.v1i2.114
68. Gashema B. (2019). How Transformational Leadership Fuels Employee’s Creative Performance Behaviors in the Workplace? ( https://doi.org/10.20525/ijrbs.v8i4.271)
69. Okello Candiya Bongomin, G & Munene, J.C. (2019). Examining the role of institutional framework in promoting financial literacy by microfinance deposit-taking institutions in developing economies: Evidence from rural Uganda. Journal of Financial
Regulation and Compliance. DOI 10.1108/JFRC-12-2018-0158.
70. Okello Candiya Bongomin et al., (2018). Mobile money and financial inclusion in Sub-Saharan Africa: The moderating role of social networks. Special Issue: Mobile technologies and inclusive development in Africa. Journal of African Business: https://doi.org/10.1080/15228916.2017.1416214.
71. Okello Candiya Bongomin et al., (2018). Institutions and financial inclusion in rural Uganda: Mediating role of social capital. Journal of African Business. DOI:
10.1080/15228916.2018.1425961, https://doi.org/10.1080/15228916.2018.1425961.
72. Okello Candiya Bongomin et al., (2018). Exploring the mediating role of social capital in the relationship between financial intermediation and financial inclusion in rural Uganda. International Journal of Social Economics: Vol. 45 No. 5, pp. 828-846. https://doi.org/10.1108/IJSE-08-2017-0357.
73. Okello Candiya Bongomin et al., (2018). Collective action among rural poor: Does it enhance financial intermediation by Banks for financial inclusion in emerging economies? International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-08-
2017-0174.
74. Okello Candiya Bongomin et al., (2018). Social networks: testing the predictive power of its dimensions in explaining financial inclusion of the poor in rural Uganda. African Journal of Economic and Management Studies: Vol. 9 No. 3, pp. 388-406. DOI
10.1108/AJEMS-07-2017-0157.
75. Okello Candiya Bongomin et al., (2018). Analyzing the relationship between institutional framework and financial inclusion in rural Uganda: A social network perspective. International Journal of Emerging Markets: Vol. 13 No. 4, pp. 606-630. https://doi.org/10.1108/IJoEM-02-2017-0057.
76. Okello Candiya Bongomin et al., (2018). Determinants of SMMEs Growth in post-war communities in developing countries: testing the interaction effect of government support. World Journal of Entrepreneurship, Management and Sustainable Development: Vol. 14 No. 1, pp. 50-73. DOI 10.1108/WJEMSD-06-2017-0026.
77. Okello Candiya Bongomin et al., (2018). Financial intermediation and financial inclusion of the poor: testing the moderating role of institutional pillars in rural Uganda. International Journal of Systems and Ethics: Vol. 34 No. 2, pp. 146-165, https://doi.org/10.1108/IJOES-07-2017-0101.
78. Okello Candiya Bongomin et al., (2018). Nexus between financial literacy and financial inclusion: examining the moderating role of cognition from a developing country perspective. International Journal of Bank Marketing: Vol. 36 No. 7, pp. 1190-1212, https://doi.org/10.1108/IJBM-08-2017-0175.
79. Okello Candiya Bongomin et al., (2018). Institutional framework in developing economies: Do all dimensions matter for financial intermediation by microfinance deposit-taking institutions? Journal of Financial Regulation and Compliance, Vol. 26
No. 2, pp. 271-286: DOI 10.1108/JFRC-02-2017-0025
80. Gashema, B., & Gao, Y. (2018). Strengthening Managerial Innovation Behavior in the SMEs: The Role of CEO Transformational Leadership, Cross-Functional Integration and Innovation Culture. International Journal of Research in Business and Social Science (2147- 4478), 7(3), 36–56. https://doi.org/10.20525/ijrbs.v7i3.883.
81. Okello Candiya Bongomin et al., (2017). Financial inclusion in rural Uganda: The role of social capital and generational values. Cogent Business & Management. Vol. 4: 1302866. DOI 10.1080/23311975.2017.1302866.
82. Okello Candiya Bongomin et al., (2017). Financial intermediation and financial inclusion of poor households: mediating role of social networks in rural Uganda. Cogent Economics & Finance (2017) 5: 362184. https://doi.org/10.1080/23322039.2017.1362184.
83. Okello Candiya Bongomin et al., (2017). Institutional framing and financial inclusion: testing the mediating effect of financial literacy using SEM Bootstrap approach. International Journal of Social Economics: Vol. 44 No. 12, pp. 1-19. DOI
10.1108/IJSE-02-2015-0032.
84. Okello Candiya Bongomin et al., (2017). Financial literacy: Do all components matter for financial inclusion of poor households in rural Uganda? Managerial finance: Vol. 43 No. 12, pp. 1310-1331. DOI 10.1108/MF-04-2017-0117. https://doi.org/10.1108/MF-04-2017-0117.
85. Okello Candiya Bongomin et al., (2017). The relationship between access to finance and growth of SMEs in developing economies: Financial literacy as a moderator. Review of International Business and Strategy: Vol. 27 No. 4, pp. 520-538. DOI: 10.1108/RIBS-04-2017-0037.
86. Okello Candiya Bongomin et al., (2016). Social Capital: Mediator of Financial Literacy and Financial Inclusion in Rural Uganda. Review of International Business and Strategy: Vol. 26 No. 2, pp. 291-312. DOI 10.1108/RIBS-06-2014-0072.
87. Okello Candiya Bongomin et al., (2016). Institutional Frames for Financial Inclusion of Poor Households in Sub-Saharan Africa: Evidence from Rural Uganda. International Journal of Social Economics: Vol. 43 No. 11, pp. 1096-1114. DOI 10.1108/IJSE-06-2014-0110.
88. Okello Candiya Bongomin et al., (2015). Financial inclusion in rural Uganda: testing interaction effect of financial literacy and networks. Journal of African Business: DOI:10.1080/15228916.2016.1117382.
