Local Credit Counseling

Credit advisory agencies and local services. Effects of credit advice on the entrepreneurial behaviour of Ugandan young people There is still a great problem of joblessness for the whole state, especially for young people. Even though the number of Ugandans who live below the nation's threshold of extreme poverty has more than halved in the last 20 years, there is still a long way to go, as 19.5% still live in extreme poverty this year. Uganda's authorities have recognised these problems and have taken a number of measures, among them the development of commercial and managerial capacity for young people, the integration of VET into basic and lower schooling, the development of industry and services estates and the promotion of commercialisation of agriculture and agro-processing by start-up centres.

In Uganda, a group of local research scientists investigated how entrepreneurship readiness to take risks affects the credit demands of young businessmen and the effects of credit advice on their credit choices. The aim of their survey is to give a better insight into the individual determinants of credit exposure and the effects of credit advice on the readiness of young businessmen to use credit.

I' m having serious pecuniary difficulties. How can I help you? Billy Graham Evangelistic Association

We' re sorry to hear about your distressed finances. First of all, we rely on you entrusting your lives to Jesus Christ as your Saviour and Lord and also entrusting your situations in prayers to Him, looking for His leadership for the responses you need. Otherwise, your present difficulties may be a means to lead you to a face-to-face obligation to Christ or to bring you into a deeper relation with Him.

Your local, regional or state welfare authorities should also be contacted for any help they can give you. You can also use the help of a finance advisor at your house banking institution. The National Foundation for Credit Counseling, 801 Roeder Road, Suite 900, Silver Spring, Maryland 20910 can also be contacted.

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