| dc.description.abstract | The objective of this study was to examine the knowledge attitude and practice on saving among the non teaching staff at Makerere university. Primary data was obtained from respondents in Makerere university. This quantitative cross-sectional study involved distribution of 87 sets of questionnaires to respondents who were employed in Makerere University. Univariate analysis, cross tabulations and multinomial logistic regression were performed on the variables in the study using STATA.
In the univariate analysis, More than half of the respondents (56.25%) were females and males were (43.75%) . canteen attendants was the dominate group with (30%), followed by photocopy attendants with (25%), cleaners with (18.75%), security guards with (13.75%) and lastly custodians with the least percentage (12.5). respondents who had attained a primary education were fewer (7.5%) than those who had attained tertiary (15%) and secondary (65%) and those who had attained no education were (12.5%) in the study. Majority of the respondents earned between medium income (58.75%), followed by those who earned low income (38.75%) whereas the remainder (2.5%) earned high income. Majority of the respondents (38.8%) were between ages 31-40. This was followed by those in age ranges 41-50 (32.5%), those in the age ranges 20-30 had the percentage of (12.5%) and (16.3%) above 50. Majority of the respondents (47.5%) worked in Makerere university for 10 years and above, (30%) worked in Makerere university for 5 to 10 years and (22.5%) worked in Makerere university for 5 years and less.
In the bivariate analysis there were no relative significant relationships between monthly income and age, daily expenditure, occupation and number of years worked at Makerere university, hearing about saving for retirement , good practice, How much do you expect on retirement , Who pays for your savings, have you started saving for retirement and not working in old age. However there was a significant relationship between monthly income , education level and at what age are you expecting to retire. There is need for sensitization and education of masses on various aspects within the retirement benefits sector, and this knowledge will instil some confidence within Ugandans so that they can save for their retirement in the available schemes and financial institutions. On top of incentives for this young sector, the government should look into the Retirement Benefits Sector Appeals Tribunal and the Liberalisation Bill, which will bring about transparency and competition in the sector respectively. | en_US |
