Financial Inclusion and Saving Culture of Individuals in Uganda: A Case of Central Division, Kabale Municipality

The study was about Financial Inclusion and savings in Uganda. A case of central division, Kabale Municipality. Financial Inclusion seeks to overcome the friction that hinders markets from expanding access to, and use of formal financial products and services to a broad number of people. The Objectives of the study were; to examine how access to financial services affects deposits made to formal financial institutions, to find out the effect of usage of financial services on deposits made to formal financial institutions and; to investigate the relationship between quality of financial services available and deposits made to formal financial institutions. The study adopted a cross-sectional survey research design. A sample size of 390 respondents from a population of 15,092 people was used. Findings of the study established a direct positive relationship between Financial Inclusion and savings. The regression results showed that savings as measured by percentage of the respondent’s monthly income earnings that is saved, was influenced by Access to formal financial products and services (p=0.031), usage of formal financial products and services (p=0.015) and Quality of formal financial products and services (p=0.021). The independent variables in the regression model with positive coefficient showed a direct relationship with the dependent variable. Therefore, the study concluded that savings increases proportionately with more access to formal financial products, usage and increase in quality of formal financial products. The study also recommended that financial institutions should create financial products which are tailored to fit various individual needs. Again, these financial institutions should create many outlets through Agent Banking and this would prevent the people from saving in their homes and rather save with the financial institutions since savings do not benefit only the individuals but the economy as a whole.

ylm Has More than a (Z Anchor) Ring to It!

ABSTRACT The division and cell wall (dcw) cluster is a highly conserved region of the bacterial genome consisting of genes that encode several cell division and cell wall synthesis factors, including the central division protein FtsZ. The region immediately downstream of ftsZ encodes the ylm genes and is conserved across diverse lineages of Gram-positive bacteria and Cyanobacteria. In some organisms, this region remains part of the dcw cluster, but in others, it appears as an independent operon. A well-studied protein coded from this region is the positive FtsZ regulator SepF (YlmF), which anchors FtsZ to the membrane. Recent developments have shed light on the importance of SepF in a range of species. Additionally, new studies are highlighting the importance of the other conserved genes in this neighborhood. In this minireview, we aim to bring together the current research linking the ylm region to cell division and highlight further questions surrounding these conserved genes.

Division algebras that generalize Dickson semifields

We generalize Knuth's construction of Case I semifields quadratic over a weak nucleus, also known as generalized Dickson semifields, by doubling of central simple algebras. We thus obtain division algebras of dimension 2s2 by doubling central division algebras of degree s. Results on isomorphisms and automorphisms of these algebras are obtained in certain cases.

On Crossed Product Algebras over Henselian Valued Fields

Let D be a tame central division algebra over a Henselian valued field E, [Formula: see text] be the residue division algebra of D, [Formula: see text] be the residue field of E, and n be a positive integer. We prove that Mn([Formula: see text]) has a strictly maximal subfield which is Galois (resp., abelian) over [Formula: see text] if and only if Mn(D) has a strictly maximal subfield K which is Galois (resp., abelian) and tame over E with ΓK ⊆ ΓD, where ΓK and ΓD are the value groups of K and D, respectively. This partially generalizes the result proved by Hanke et al. in 2016 for the case n = 1.