Financial sustainability and credit management of cooperatives in selected areas of Cavite / by Christine Jane S. Misterio, Joanna R. Alvarado and Jade B. Faller.

By: Contributor(s): Material type: TextTextLanguage: English Publication details: Indang, Cavite : Cavite State University- Main Campus, 2019.Description: viii, 78 pages : illustrations ; 28 cmContent type:
  • text
Media type:
  • unmediated
Carrier type:
  • volume
Subject(s): DDC classification:
  • 334 M69 2019
Online resources: Production credits:
  • College of Economics, Management and Development Studies (CEMDS)
Abstract: MISTERIO, CHRISTINE JANE S., ALVARADO, JOANNA R., & FALLER, JADE B. Financial Sustainability and Credit Management of Cooperatives in selected areas of Cavite. Undergraduate Thesis. Bachelor of Science in Business Management. Cavite State University, Indang, Cavite. June 2019. Adviser: Mr. Gener T. Cueno. This study aimed to determine the financial sustainability and credit management of cooperatives in selected areas of Cavite. It describes the credit management of cooperatives in terms of credit and collection practices, it also determine the financial sustainability of cooperatives using CAMEL ratio analysis and ascertain the relationship of profile and financial sustainability of cooperatives in selected areas of Cavite. The study was conducted in selected areas of Cavite, namely: Alfonso, Silang, General Mariano Alvarez, Carmona, and the cities of Bacoor, Dasmarinas, General Trias, Imus, Tagaytay, and Trece Martires. The number and places of cooperatives were selected through purposive sampling. Secondary data, which were cooperatives financial statements, were obtained at the regional office of Cooperative Development Authority located at Calamba, Laguna. The study considered only those cooperatives operating for more than 4 years. The researchers used a survey questionnaire as the main source for the study. The researchers also used the financial statements of those selected cooperatives in Cooperative Development Authority to supplement and to validate the data gathered. The study used descriptive and correlation methods. Descriptive method was used to explain information and provide insights about the variables of the study including the profile, credit management and financial sustainability of cooperatives in selected areas of Cavite. Correlation method was used to determine the relationship between profile of cooperatives and financial sustainability. The findings revealed that most cooperatives in Cavite were registered as multipurpose cooperatives that operates 15 to 24 years and the majority of cooperatives have an active member that range from 105 to 204 and exiting loans range from 5 to 104. In terms of credit management of cooperatives, the credit and collection practices such as credit application requirements, credit evaluation, granting of credit collection for payments and taking an action to the members with unpaid credit, were identified. The financial sustainability of cooperative using CAMEL ratio analysis reveals a fair rating to debt equity ratio and interest income to total income ratio. Marginal rating in terms of interest income to total assets ratio, liquid assets to total assets, diversification ratio; satisfactory rating for asset turnover ratio; unsatisfactory rating for return on equity. And a strong rating for the current ratio. In terms of the relationship between profile of cooperatives and financial sustainability, only years in operation and number of active members were found to have significant relationship to the debt equity ratio. Number of existing loans and diversification ratio was also found to be significantly related. Number of active members and interest income to total income, years in operation and current ratio were likewise found to have a significant relationship.
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Theses / Manuscripts Theses / Manuscripts Ladislao N. Diwa Memorial Library Theses Section Non-fiction 334 M69 2019 (Browse shelf(Opens below)) Link to resource Room use only T-8841 00081313

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)

MISTERIO, CHRISTINE JANE S., ALVARADO, JOANNA R., & FALLER, JADE B. Financial Sustainability and Credit Management of Cooperatives in selected areas of Cavite. Undergraduate Thesis. Bachelor of Science in Business Management. Cavite State University, Indang, Cavite. June 2019. Adviser: Mr. Gener T. Cueno. This study aimed to determine the financial sustainability and credit management of cooperatives in selected areas of Cavite.

It describes the credit management of cooperatives in terms of credit and collection practices, it also determine the financial sustainability of cooperatives using CAMEL ratio analysis and ascertain the relationship of profile and financial sustainability of cooperatives in selected areas of Cavite. The study was conducted in selected areas of Cavite, namely: Alfonso, Silang, General Mariano Alvarez, Carmona, and the cities of Bacoor, Dasmarinas, General Trias, Imus, Tagaytay, and Trece Martires. The number and places of cooperatives were selected through purposive sampling.
Secondary data, which were cooperatives financial statements, were obtained at the regional office of Cooperative Development Authority located at Calamba, Laguna. The study considered only those cooperatives operating for more than 4 years. The researchers used a survey questionnaire as the main source for the study. The researchers also used the financial statements of those selected cooperatives in Cooperative Development Authority to supplement and to validate the data gathered.
The study used descriptive and correlation methods. Descriptive method was used to explain information and provide insights about the variables of the study including the profile, credit management and financial sustainability of cooperatives in selected areas of Cavite. Correlation method was used to determine the relationship between profile of cooperatives and financial sustainability.
The findings revealed that most cooperatives in Cavite were registered as multipurpose cooperatives that operates 15 to 24 years and the majority of cooperatives have an active member that range from 105 to 204 and exiting loans range from 5 to 104. In terms of credit management of cooperatives, the credit and collection practices such as credit application requirements, credit evaluation, granting of credit collection for payments and taking an action to the members with unpaid credit, were identified.
The financial sustainability of cooperative using CAMEL ratio analysis reveals a fair rating to debt equity ratio and interest income to total income ratio. Marginal rating in terms of interest income to total assets ratio, liquid assets to total assets, diversification ratio; satisfactory rating for asset turnover ratio; unsatisfactory rating for return on equity. And a strong rating for the current ratio. In terms of the relationship between profile of cooperatives and financial sustainability, only years in operation and number of active members were found to have significant relationship to the debt equity ratio. Number of existing loans and diversification ratio was also found to be significantly related. Number of active members and interest income to total income, years in operation and current ratio were likewise found to have a significant relationship.

Submitted copy to the University Library. 04/6/2022 T-8841

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