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The Impact of rural banking scheme on income and income distribution of Cavite coffee farmers / by Nencita Garcia Narido.

By:

Narido, Nencita Garcia [author]

Contributor(s):

Abogadie, Lina C [adviser]

Material type: Text

TextLanguage: English Publication details: Indang, Cavite : Don Severino Agricultural College, 1986.Description: 37 pages : illustrations ; 28 cmContent type:

text

Media type:

unmediated

Carrier type:

volume

Subject(s):

DDC classification:

332.1 N16 1986

Online resources:

Click here to view thesis abstract and table of contents

Production credits:

College of Economics, Management, and Development Studies (CEMDS)

Abstract: NARIDO, NENCITA GARCIA, 'The Impact of Rural Banking Scheme On Income and Income Distribution of Cavite Coffee Farmers”, Don Severino Agricultural College, Indang, Cavite, April 19860 Adviser: Ms. Lina C. Abogadie, This study was conducted in five coffee growing areas of Cavite, namely; Alfonso, Amadeo, Indang, Mendez and Silang from January -to February 1986 to: (1) determine and compare the socio—economic status of the farmers who withdrew their own deposits from the to be used as capital; farmers securing loans from rural banks; and those farmers that were non— participant of rural banking, Means, ranges, percentages, ranks and analysis of variance were the statistical tools that have been used in the study 0 genera11y, farmers who secured loans from rural banks were younger than the two types of farmers. Majority of them were already married and have a mean of five members in the household. Most farmers had formal education and no famer among those who secured loan from rural banks had no formal education. In terms of the tenurial status, majority among the three types of farmers were land and there was no tenant belong to those farmers withdrawing their capital and those who availed of loans from rural banks o Farmers withdrawing their capital had longer fen-tiling experience -them the two groups of farmers. On the other band, those farmers who secured loans from the rural banks had larger farms and bigger net, income earned while those were non—participant of rural banking' scheme had -the least size of farm tilled and consequently, lower net income earned. Results of the study revealed that farmers who secured loans from rural banks had the highest in— come among the three groups of farmers followed by those who withdrew their own deposits as capital, the lowest, income was reported by the non—participants of rural banks. The result of lie analysis of variance showed that the net income of the three groups of farmers were significantly different from each other and there— fore, there is possibility that withdrawal and loan facilities had affected the income of farmers, The main reason of those who availed of loans from rural banks was the large amount they needed whereas, those non—part: el pants reported they have a number of complaints, namely: the high interest rates for loans granted to farmers, they lack collateral and were afraid of some financial risks majority of the respondents renewed their loans and -their main source of payment of funds were sales of crops 0 The node of payment for loans followed the farmers were both cash payment and installment. In general, farmers who secured loans from rural bank had larger allocation on different items of expenditures compared to other types of farmers payment for loans ranked first in -their priorities and the last miscellaneous expenses, Farmers who with— drew their capital had food as their first priority and house maintenance last item was also the first priority of the non—participant while clothing ranked.

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Holdings ( 1 )
Title notes ( 4 )

Holdings
Item type	Current library	Collection	Call number	Materials specified	URL	Status	Notes	Date due	Barcode
Theses / Manuscripts	Ladislao N. Diwa Memorial Library Theses Section	Non-fiction	332.1 N16 1986 (Browse shelf(Opens below))		Link to resource	Room use only	T-914		00001125

Thesis (BS in Agriculture Major in Agricultural Economics) Don Severino Agricultural College.

Includes bibliographical references.

College of Economics, Management, and Development Studies (CEMDS)

NARIDO, NENCITA GARCIA, 'The Impact of Rural Banking
Scheme On Income and Income Distribution of Cavite
Coffee Farmers”, Don Severino Agricultural College,
Indang, Cavite, April 19860 Adviser: Ms. Lina C. Abogadie,
This study was conducted in five coffee growing areas of Cavite, namely; Alfonso, Amadeo, Indang, Mendez and Silang from January -to February 1986 to:
(1) determine and compare the socio—economic status of the farmers who withdrew their own deposits from the to be used as capital; farmers securing loans from rural banks; and those farmers that were non— participant of rural banking,
Means, ranges, percentages, ranks and analysis of variance were the statistical tools that have been used in the study 0 genera11y, farmers who secured loans from rural banks were younger than the two types of farmers.
Majority of them were already married and have a mean of five members in the household. Most farmers had formal education and no famer among those who secured loan from rural banks had no formal education. In terms of the tenurial status, majority among the three types of farmers were land and there was no

tenant belong to those farmers withdrawing their capital and those who availed of loans from rural banks o Farmers withdrawing their capital had longer fen-tiling experience -them the two groups of farmers.
On the other band, those farmers who secured loans from the rural banks had larger farms and bigger net, income earned while those were non—participant of rural banking' scheme had -the least size of farm tilled and consequently, lower net income earned.
Results of the study revealed that farmers who secured loans from rural banks had the highest in— come among the three groups of farmers followed by those who withdrew their own deposits as capital, the lowest, income was reported by the non—participants of rural banks.
The result of lie analysis of variance showed that the net income of the three groups of farmers were significantly different from each other and there— fore, there is possibility that withdrawal and loan facilities had affected the income of farmers,
The main reason of those who availed of loans from rural banks was the large amount they needed whereas, those non—part: el pants reported they have a number of complaints, namely: the high interest rates for loans granted to farmers, they lack collateral and were afraid of some financial risks majority of the respondents renewed their loans and -their main source of payment of funds were sales of crops 0 The node of payment for loans followed the farmers were both cash payment and installment. In general, farmers who secured loans from rural bank had larger allocation on different items of expenditures compared to other types of farmers payment for loans ranked first in -their priorities and the last miscellaneous expenses, Farmers who with— drew their capital had food as their first priority and house maintenance last item was also the first priority of the non—participant while clothing ranked.