The Uganda Women Entrepreneurship Programme (UWEP) was established to provide women access to low-interest, revolving loans. Kibaale's survival is in jeopardy as a result of the low repayment rates, which are reflected in its 43% performance. By investigating the manner in which UWEP loans are repaid in Kibaale District, this paper emphasises the need of taking action. The following elements were evaluated: the diversion and repayment of loans, the monitoring of loans, the attitude of the borrower, the pressure exerted by peers, and the financing of the enterprise. A description and explanation of the well-structured cross-sectional research was carried out by using both quantitative and qualitative techniques. Findings trustworthiness may be enhanced via the use of this comprehensive approach. Data was contributed by a select number of UWEP recipients via the use of standardised surveys, interviews, and focus groups. It was beneficial to review the materials. Qualitative responses were analysed using thematic analysis, while numerical data were analysed using descriptive statistics and regression models. According to the findings, the conduct of the borrower in repaying debts was significantly impacted by their overall attitude. The managerial abilities and financial literacy of the people who received the funds were insufficient, which prevented them from being able to operate their own companies. The majority of defaults were caused by loans that were taken out for non-productive uses, such as spending inside the household.