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The purpose of this study is to measure the adoption of mobile banking systems among the citizens of Uganda by analyzing the effect of perceived usefulness, perceived ease of use, and perceived risk on actual usage of mobile banking, with intention to use as a mediating variable. A closed-ended questionnaire was employed to be filled by Uganda citizens. A total of 275 questionnaires were sent out, among which only 245 were useable. A factor analysis test was run in order to establish the construct validity of the questionnaire. After that, Cronbach's alpha was used to measure the reliability of the study, and multiple linear regression analysis, Pearson's correlation, ANOVA table, and process analysis was used to analyze the association between the variables. The findings of our study showed a good and acceptable model fit. Perceived usefulness and perceived ease of use were significantly correlated to actual usage, with intention to use as a positive mediator. Perceived risk had a negative relationship with actual usage of mobile banking where intention to use negatively mediates the relationship. This study can be used by the banking industry of Uganda as well as clients of banks. It poses in detail the advantages and the risks of using mobile banking system. The banking industry can use it to maximize on the advantages while minimizing the risks, and the clients can make use of this study to further gain knowledge about the benefits and risks and make an informed decision on whether to use the mobile banking system or not. The respondents' pool of this study was constricted, employing only the citizens of Uganda. Moreover, this research was conducted on a cross-sectional basis with quantitative and closed-ended questionnaire. Future researchers can employ a diverse pool of respondents to get variable responses. Moreover, the study can be conducted on a longitudinal basis, while also employing the use of open-ended questionnaire to get a better insight regarding mobile banking systems.

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In Ghana and other countries' economies, small and medium scale enterprises (SME's) play a principal role that significantly impacts economic stability. SMEs contribute prominently to the economy by creating more noteworthy work openings, making higher creation volumes, growing conveys and introducing progression and business capacities. This study used a sample of 336 SMEs out of 500 SME's located in the Western Region (Takoradi Metropolis). These SMEs data were obtained using questionnaire in which its instrument was validated by experts in the field of finance and was administered to the respondents. Primary data were obtained to assess the determinants of financial assistance available to SME's in Ghana (Takoradi Metropolis). Strategies were used to obtain the outcome of the result, such as ANOVA (analysis of variance), regression analysis, and descriptive statistics to analyze the relationship between the determinants of financial assistance and SMEs' credit accessibility. It showed that firm's age, size, performance, and collateral security all have a positive impact that determines financial assistance to the credit accessibility of SMEs in Takoradi Metropolis. The research discovers enough information that confirms critical factors that push the credit accessibility available to SME's. It can be recommended that the availability of credit opportunities to SME's in the form of loans should be given a maximum consideration.

In Nigeria and other countries' economies, small scale indigenous contractors perform a vital role that significantly impacts economic stability. The small-scale indigenous contractors contribute prominently to the economy by creating more noteworthy work openings, making higher creation volumes, growing conveys, and introducing progression and business capacities in the construction industry. In this research study, a total sample of 250 was used out of 400 small-scale indigenous contractors and other professionals in the construction industry in Awka, Anambra State, Nigeria. Data for the study were generated using a questionnaire, and the collection instrument was validated and endorsed by different professionals in the construction industry before being administered to the respondents. In this study, primary data was generated to evaluate the factors affecting small-scale indigenous contractors in Awka, Anambra State, Nigeria. Different strategies were used to obtain the resulting outcome, which includes regression analysis, ANOVA (Analysis of variance), and descriptive statistics to analyze the relationship between the factors affecting the determinants of the construction project (Companys' strength, project risk, and Competition) and the contractors' decision to bid. The analysis showed that the company's strength, project risk, and competition all positively affect the determination of the slight indigenous contraction's willingness to bid for contracts in Awka, Anambra State, Nigeria. The study showed that the company's strength, project risk, and competition positively impact the contactor's decision to tender for construction projects. This research analyzed and ascertained enough data and information to prove the essential factors influencing small-scale indigenous contractors' decision to How to cite this paper: