Study links high motorbike mortgage costs to rising crime among Boda Boda riders in Bugisu

An academic study by Makerere University’s Mbale branch has revealed a concerning link between the high costs of motorbike mortgages and rising crime rates among boda boda riders in the Bugisu region.

The research, titled “Crime on the Road,” found that the financial burden of expensive loan terms is pushing many riders into illegal activities to meet their obligations.

According to Steven Masiga, Principal Investigator and Coordinator of Makerere University Mbale, 99% of riders who acquire motorbikes through mortgage schemes struggle to repay their loans.

Motorbikes, typically priced between UGX 5-6 million, cost over UGX 10 million when purchased on loan, with weekly repayments of approximately UGX 100,000 for up to a year.

This financial pressure has led some riders to resort to crime, including petty theft and transporting passengers with criminal intentions. The study surveyed 150 riders, revealing that 30% admitted to carrying passengers involved in criminal activities if the pay was attractive, while 25% expressed discomfort with such actions.

Masiga suggested that practices from Teso, where motorbike sellers have worked with the Speaker of Parliament to secure affordable prices, could help alleviate financial strain in Bugisu.

The study also recommended that the government work with motorbike financing companies to regulate loan terms and ensure fair pricing, while urging the Uganda Police to implement community policing strategies to reduce crime.

Additionally, the study encouraged riders to explore alternative income streams through government initiatives such as the Parish Development Model (PDM) and Emyooga.

Masiga stressed the need for collective action to address the financial challenges faced by boda boda riders and promote safer communities.

The findings underline the urgent need for policy reforms and better financial practices to support boda boda riders and reduce crime in the region.