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Credit management of micro-scale entrepreneurs in selected towns of Cavite / by Jennilyn P. Angcao.

By:

Angcao, Jennilyn P [author]

Contributor(s):

Buena, Ma. Corazon A [adviser]

Material type: Text

TextLanguage: English Publication details: Indang, Cavite : 2006. Cavite State University- Main Campus,Description: x, 31 pages : illustrations ; 28 cmContent type:

text

Media type:

unmediated

Carrier type:

volume

Subject(s):

DDC classification:

658.88 An2 2006

Online resources:

Click here to view thesis abstract and table of contents

Production credits:

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

Abstract: ANGCAO, JENNILYN P. Credit Management of Micro-scale Entrepreneurs in Selected Towns of Cavite. Undergraduate Thesis. Bachelor of Science in Business Management major in Marketing. Cavite State University. Indang, Cavite. April 2006. Adviser: Mrs. Corazon A. Buena. A study was conducted to determine the credit management of micro-scale entrepreneurs in selected towns of Cavite. Specifically, the study aimed to describe the characteristics of micro-scale businesses in selected towns of Cavite, describe the profile of the micro-scale entrepreneurs, determine the credit management practices employed by micro-scale entrepreneurs, determine the practices employed by micro-scale entrepreneurs in collection of credit, and identify the problems encountered by entrepreneur in credit and collection. A total of 100 micro-scale entrepreneurs were selected through purposive sampling. Descriptive statistical tools such as frequency count, mean, range, percentage and rank were used to present the objectives of the study. Findings of the study showed that majority of the respondents had sole proprietorship form of business organization. They utilized personal/family savings to finance their business which means that generally, respondents had enough savings to support the operation of their business. Results also showed that only a small number of customers had credit to the respondents. Customers who have traded with the respOndents for a long time and large volume buyers were the customers who were usually given credit by respondent. This suggests that trust was very important in determining the customers that will be given credit. The method that respondents typically employed in checking the credit worthiness of their customers was the customers' account experience and industry credit circles. Hence, the credit standing of the customers in other industry credit circles and the purchases they made on the respondents' business were important in determining the credit worthiness of a customer. A small amount of credit was given by customers with an average of PhP3,565. The respondents usually offered 30-days terms of credit payment to customers. They put a "stop" on supplies or orders of late payees and chase payment by visiting the customers with unpaid credit. Most of the respondents visited the customers with credit as part of their collection strategy. Many respondents allowed only cash payment from customers with credit. Also, there were other ways or techniques employed by the respondents to reduce the likelihood of late payment of customers such as accepting part or pre-payment from customers and employing discounts to customers who settled their credit accounts early.

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Title notes ( 5 )

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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	658.88 An2 2006 (Browse shelf(Opens below))		Link to resource	Room use only	T-3402		00006685

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Thesis (B.S.B.M.--Marketing) Cavite State University

Includes bibliographical references.

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

ANGCAO, JENNILYN P. Credit Management of Micro-scale Entrepreneurs in Selected Towns of Cavite. Undergraduate Thesis. Bachelor of Science in Business Management major in Marketing. Cavite State University. Indang, Cavite. April 2006. Adviser: Mrs. Corazon A. Buena.
A study was conducted to determine the credit management of micro-scale entrepreneurs in selected towns of Cavite. Specifically, the study aimed to describe the characteristics of micro-scale businesses in selected towns of Cavite, describe the profile of the micro-scale entrepreneurs, determine the credit management practices employed by micro-scale entrepreneurs, determine the practices employed by micro-scale entrepreneurs in collection of credit, and identify the problems encountered by entrepreneur in credit and collection. A total of 100 micro-scale entrepreneurs were selected through purposive sampling. Descriptive statistical tools such as frequency count, mean, range, percentage and rank were used to present the objectives of the study. Findings of the study showed that majority of the respondents had sole proprietorship form of business organization. They utilized personal/family savings to finance their business which means that generally, respondents had enough savings to support the operation of their business. Results also showed that only a small number of customers had credit to the respondents. Customers who have traded with the respOndents for a long time and large volume buyers were the customers who were usually given credit by respondent. This suggests that trust was very important in determining the customers that will be given credit. The method that respondents typically employed in checking the credit worthiness of their customers was the customers' account experience and industry credit circles. Hence, the credit standing of the customers in other industry credit circles and the purchases they made on the respondents' business were important in determining the credit worthiness of a customer. A small amount of credit was given by customers with an average of PhP3,565. The respondents usually offered 30-days terms of credit payment to customers. They put a "stop" on supplies or orders of late payees and chase payment by visiting the customers with unpaid credit. Most of the respondents visited the customers with credit as part of their collection strategy. Many respondents allowed only cash payment from customers with credit. Also, there were other ways or techniques employed by the respondents to reduce the likelihood of late payment of customers such as accepting part or pre-payment from customers and employing discounts to customers who settled their credit accounts early.

Submitted to the University Library 07/18/2007 T-3402