Effect of micro-scale enterprises profile on the collateral requirement and amount of credit loan / by Judith A. Culanding, Kimberly D. Moratalla and Erizelle Jem A. Sonio.
Material type: TextLanguage: English Publication details: Indang, Cavite : Cavite State University- Main Campus, 2018.Description: xiii, 108pages : illustrations ; 28 cmContent type:- text
- unmediated
- volume
- 332.7 C89 2018
- College of Economics, Management and Development Studies (CEMDS), Department of Management
Item type | Current library | Collection | Call number | Materials specified | URL | Status | Notes | Date due | Barcode |
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Theses / Manuscripts | Ladislao N. Diwa Memorial Library Theses Section | Non-fiction | 332.7 C89 2018 (Browse shelf(Opens below)) | Link to resource | Room use only | T-7978 | 00077303 |
Thesis (Bachelor of Science in Business Management Major in Financial Management) Cavite State University.
Includes bibliographical references.
College of Economics, Management and Development Studies (CEMDS), Department of Management
CULANDING, JUDITH A., MORATALLA, KIMBERLY D., and SONIO, ERIZELE JEM A. Effect of Micro-scale Enterprises' Profile on the Collateral Requirement and Amount of Credit Loan. Undergraduate Thesis. Bachelor of Science in Business Management major in Financial Management, Cavite State University, Indang, Cavite. June 2018. Adviser: Ms. Sherrie Rhose M. Matel.
Micro-scale enterprises (MEs) are viewed as a key driver of economic and social development in the Philippines. They are the lifeblood of most economies and also, they generate much wealth and employment and are widely considered to be vital in country's competitiveness. Finance is necessary to help MEs to set up and expand operations, build up new products, and invest in new staff or production facilities. However, MEs faced a lot of challenges, particularly on acquiring loans from banks. Likewise, they fail to secure loans because of restrictive requirements of the financial institutions, such as collateral security. The main objective of this study was to determine the effect of micro-scale enterprises' profile on the collateral requirement and amount of credit loan. Specifically, it also aimed to: (1) determine the socio-demographic profile of owners; (2) to determine the business profile of selected micro-scale enterprises; (3) to determine the credit profile of selected micro-scale enterprises in Cavite; (4) to determine the effect of micro-scale enterprises' profile on the collateral requirement; and (5) to determine the effect of micro-scale enterprises' profile on the amount of credit loan. Primary data was used in gathering of data for this study. Slovin's formula was applied to obtain a sample size of 188 micro-scale enterprises in Cavite and purposive sampling was used. Mean, frequency count and percentage were used to assess the participants' profile, business and credit profile of selected micro-scale enterprises in Cavite. Stepwise logistic regression was employed to determine the factors on availing loan that leads to collateral requirement and to determine the effects of micro-scale enterprises' profile on the amount of credit loan. Based on the result, most of the participants are female. Various owners of MEs age ranged from 36 to 50 years old and most of them are married. Moreover, MEs owners/managers are more educated, with an educational attainment of vocational, college, or post-graduate. The participants are commonly sole proprietor in retail business and rely solely in their business income for their household. Additionally, most of them borrowed from informal sources such as loan sharks and private money lender. The result also revealed that the amount of loan was the only variable that has significant effect on collateral requirement. Furthermore, the source of credit, collateral based and interest rate were the variables which had a significant effect on the amount of loan.
Submitted to the University Library September 26, 2018 T-7978