Evaluation of the Reported Factors and Reasons for the Repayment Performance of Member-Borrowers from Selected Multipurpose Cooperatives in Laguna, 2014

Date

1-2015

Degree

Bachelor of Science in Agricultural Economics

College

College of Economics and Management (CEM)

Adviser/Committee Chair

Cesar B. Quicoy

Committee Member

Julieta A. Delos Reyes, Agham C. Cuevas

Abstract

This study was conducted to analyze the factors and reasons for the repayment performance of member-borrowers from selected multi-purpose cooperatives. The study characterized the respondents according to socio-demographic and economic factors, identified factors affecting the repayment performance, and the problems and issues the borrowers faced in repaying their loans.

A total of 120 member-borrowers (60 with high and 60 with low repayment performance) from three selected-multi-purpose cooperatives in Laguna were interviewed. The difference between characteristics of borrowers from the high and low performance groups were analyzed using independent samples t-test. Association between repayment performance and borrower’s characteristics was analyzed using Pearson’s chi-squared test.

The results of the t-test revealed that of the 14 variables tested, only the difference in loan amount was statistically significant between the two groups. The results of the chi- squared test revealed that all of the 23 variables tested using the Pearson’s chi-squared test had no statistically significant association with the repayment performance of the borrowers. Results also reveal that of seven commonly cited reasons for low or non- repayment, the category other reasons was the only factor found to have statistically significant association with member-borrowers’ repayment performances. Thus, for the 120 respondents from the selected multi-purpose cooperatives in Laguna at the time the study was conducted, commonly cited factors that affect repayment performance cited by previous studies were not associated their repayment performances.

Language

English

LC Subject

Cooperative societies

Location

UPLB College of Economics and Management (CEM)

Call Number

LG 993.5 2015 A14 V35

Notes

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Document Type

Thesis

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