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Sources and users of credit of vendors in Indang public market / by Michelle T. Cabali.

By:

Cabali, Michelle T [author]

Contributor(s):

Noceda, Rowena R [adviser]

Material type: Text

TextLanguage: English Publication details: Indang, Cavite : 2005. Cavite State University- Main Campus,Description: xi, 31 pages : illustrations ; 28 cmContent type:

text

Media type:

unmediated

Carrier type:

volume

Subject(s):

DDC classification:

332.7 C11 2005

Online resources:

Click here to view thesis abstract and table of contents

Production credits:

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

Abstract: CABALI, MICHELLE T. Sources and Uses of Credit of Vendors in Indang Public Market. Undergraduate Thesis. Bachelor of Science in Business Management major in Economics. Cavite State University Indang, Cavite. April 2005. Adviser: Mrs. Rowena R. Noceda. The study aimed to describe the sources and uses of credit of vendors in Indang Public Market. Specifically, it was conducted to the socio- economic characteristics of vendors; determine the amount and sources of credit of vendors; determine the uses of credit of vendors; determine the level of income and expenditures of vendors and identify the problems encountered by vendors in sourcing of credit for their business. The study was conducted in Indang Public Market. A total of 100 respondents were obtained by means of quota sampling. Data were collected with the use of the prepared interview schedule. Data were analyzed using descriptive statistics such as frequency count, percentage, mean, rank and range. The years in operation of the vendors ranged from I to 57 years with an average of 16 years. Fifty nine percent of the vendors had experience from I to 12 years in selling, 19 percent had been in the business for 13 to 24 years, and only four percent of the vendors had a longer experience from 49 to 60 years in selling. The revolving capital of the vendors ranged from Php800 to Php500,000 with an average of Php70,704. Majority of the vendors (94%) had revolving capital that ranged from Php800 to Php 100,640, three percent had revolving capital that ranged from Php 00,641 to Php200,481 and one percent each of the vendors had revolving capital that ranged from Php200,482 to Php300,322, Php300,323 to Php400,163 and Php400,164 to Php500,004, respectively. Sixty four percent of the vendors did not employ any workers. Twenty eight percent of the vendors obtained credit from private individuals; 20 percent from informal creditors and only three percent mentioned that their source of credit were friends and relatives. Among the sources of credit, vendors obtained the highest average amount of Php21,501 from the cooperative, followed by friends and relatives which amounted to Php16,501. The least average amount of Php7,666 was obtained from private individuals. Majority (88%) of the respondents utilized 69 to 94 percent of their loan in financing the business while 58 percent utilized 8 to 33 percent of their loan to support the needs of the family and 50 percent each of the respondents used 2 to 27, and 36 to 43 percent of the loan for payment of other debts. The vendors generated a gross income Php80,016 per month. The acquisition cost of goods sold amounted to Php62,600. The total expenses of the vendors per month, amounted to Php4,440. This was utilized for payment of salaries and wages of workers Phpl,500, stall rental (Phpl,200), store supplies (Phpl,000),transportation (Php120.00), tax permit (Php80), and utilities Php40). Many requirements of creditors was the problem of vendors in sourcing credit.

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Holdings ( 1 )
Title notes ( 5 )

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	332.7 C11 2005 (Browse shelf(Opens below))		Link to resource	Room use only	T-3032		00003155

Thesis (BSBM - - Economics) Cavite State University.

Includes bibliographical references.

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

CABALI, MICHELLE T. Sources and Uses of Credit of Vendors in Indang Public Market. Undergraduate Thesis. Bachelor of Science in Business Management major in Economics. Cavite State University Indang, Cavite. April 2005. Adviser: Mrs. Rowena R. Noceda.
The study aimed to describe the sources and uses of credit of vendors in Indang Public Market. Specifically, it was conducted to the socio- economic characteristics of vendors; determine the amount and sources of credit of vendors; determine the uses of credit of vendors; determine the level of income and expenditures of vendors and identify the problems encountered by vendors in sourcing of credit for their business.
The study was conducted in Indang Public Market. A total of 100 respondents were obtained by means of quota sampling. Data were collected with the use of the prepared interview schedule.
Data were analyzed using descriptive statistics such as frequency count, percentage, mean, rank and range.
The years in operation of the vendors ranged from I to 57 years with an average of 16 years. Fifty nine percent of the vendors had experience from I to 12 years in selling, 19 percent had been in the business for 13 to 24 years, and only four percent of the vendors had a longer experience from 49 to 60 years in selling.
The revolving capital of the vendors ranged from Php800 to Php500,000 with an average of Php70,704. Majority of the vendors (94%) had revolving capital that ranged from Php800 to Php 100,640, three percent had revolving capital that ranged from Php 00,641 to Php200,481 and one percent each of the vendors had revolving capital that ranged from Php200,482 to Php300,322, Php300,323 to Php400,163 and Php400,164 to Php500,004, respectively. Sixty four percent of the vendors did not employ any workers.
Twenty eight percent of the vendors obtained credit from private individuals; 20 percent from informal creditors and only three percent mentioned that their source of credit were friends and relatives. Among the sources of credit, vendors obtained the highest average amount of Php21,501 from the cooperative, followed by friends and relatives which amounted to Php16,501. The least average amount of Php7,666 was obtained from private individuals.
Majority (88%) of the respondents utilized 69 to 94 percent of their loan in financing the business while 58 percent utilized 8 to 33 percent of their loan to support the needs of the family and 50 percent each of the respondents used 2 to 27, and 36 to 43 percent of the loan for payment of other debts.
The vendors generated a gross income Php80,016 per month. The acquisition cost of goods sold amounted to Php62,600. The total expenses of the vendors per month, amounted to Php4,440. This was utilized for payment of salaries and wages of workers Phpl,500, stall rental (Phpl,200), store supplies (Phpl,000),transportation (Php120.00), tax permit (Php80), and utilities Php40). Many requirements of creditors was the problem of vendors in sourcing credit.

Submitted to the University Library 05/03/2005 T-3032