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CHAPTER 1

INTRODUCTION

RATIONALE

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The researcher has to conduct this study for better understanding of cash

management of any individual and the benefits of the following:

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 On the part Microfinance Institutions (SEDP of SAC)      

                            

  


      


O n the part of the microfinance beneficiaries it may      

     
  
         

                   


         

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Statement of the Problem

                


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Theoretical Framework

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David
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Need Based-
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Conceptual Framework

       


             


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Definition of terms

BeneficiariesG     
     

    

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Microfinance Institution !      



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Perceived gainG
        


   

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SEDP Inc. /Socio Economic Development Program Incorporated- is 


  

     


        
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Socio-economic factors!        

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Households-       



 
    
c Ê 



CHAPTER II

METHODOLO·

                    
 

                     

 
    
              

 

I- Research Design

         


           

                 


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V- Data Collection Procedure

       


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VI- Analytical Tool

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VII- Work and Financial Plan

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CHAPTER III

PRESENTATION, ANAL SIS AND INTERPRETATION OF DATA

       


     

      
  
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1. PROFILE OF THE BENEFICIARIES

 
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a. A·E

3
       
         
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Table 1.1

Age of the respondents

% 6  ~ 


1C!?D .@ @1
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üC!@D üE .CC
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C.N%  1. 0?
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b. EDUCATIONAL ATTAINMENT

 %         


   
  

               
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Table 1.2
 %   6  ~ 
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 9 C. 1..
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#  ?/ .?@
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Educational attainment


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c. CIVIL STATUS
Table 1.3

Frequency and percentage of the civil status of the beneficiaries


Civil Frequency Perce
 Status nt
$  ü .ü
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  1E/ .DD



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Table 1.4 Occupations

·overnment employee and Self-Employed

 Self-
·overnmen Frequency Percent Frequenc Percen
t Employee Employed y t

  @ 1?E Store Owner 0? 10
+

  1 /@  Buy and Sell /? ?ü


Farm Owner @0 1.
+  .ü CC0
 Others ü/ .E
  1. .DD
Total 1CE .DD



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d. OCCUPATION

    
    
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Table 1.5

Number of children

No. of Frequency Percent



Children
 D!1 /1 ?.E
?!@ .0D @EE
 C!E ./ CC
/N%  E 1E

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e. NO. OF CHILDREN LIVIN· WITH THEM
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f. MONTHL INCOME

        


          
    


4                         


               

Table 1.6

Monthly Income

 Monthly Frequen Percen


Income cy t
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g. MEMBERSHIP STATUS

     


  
    
 

          


         
       

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Number of ears in SEDP Inc.

        


     
    
  
  

Table 1.7

No. Of ears in SEDP Inc


No. of years Frequen Percent
in SEDP cy

Inc.
.!? C? 1.E

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Latest Loan

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Table 1.8

Latest Loans

Latest Loan Frequency Percent


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Received other help from other microfinance rather than SEPD Inc.

Table 1.9.1

Frequency and percentage of beneficiaries who receives other help from other
microfinance

 Frequency Percent
8  11/ 0/1
 F CD 1DE
  1E/ .DDD



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Table 1.9.2

Other Microfinance Institutions

Other Frequency Percent


Microfinance
 Institutions
8  11@ 00/
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c Ê  


II. SOCIO- ECONOMIC FACTORS THAT MOTIVATED BENEFICIARIES IN

AVAILIN· MICROFINANCE

         !  


              

   
     
 
  

Table 2

Frequency, percent and ranking distribution of respondents by the Socio-


Economic Factors which motivated beneficiaries from availing microfinance


$  ! 6  6  ~  4 
Additional Capital 1D. C/C .
Education of children .E1 C? 1

Long-term loan .?. ü@?? ?

Low percent interest loan .1E üü1/ ü
Capital for a new /1 ?.E? @
business 
Renovation of House E0 ?D. C

Medical and üD .?E 0
Emergencies
No job 1? E E
Construction of new .? ü@ /
house
Others .D ?üC .D

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III. PERCEIVED ·AINS OF THE BENEFICIARIES ON MICROFINANCE

Table 3.1

Perceived gains as a businesswoman of the beneficiaries on microfinance

 Perceived ·ains as Frequen Percent


a businesswoman cy

 
   /1 ?.E
 

3     11 0C
 %   ./0 CE1

  1E/ .DDD


Business Type Frequen Percent

cy
 3 $ @C C1
 
 ? ?
 6 ~   @ @
$ ü ü

+  1ü 1C
  /1 .DD

c Ê  


a. AS A BUSINESSWOMAN

 %       ?.     


    
  
  

 
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Table 3.2

Perceived gains on attitudes

 Perceived gains on Frequency Percent Rank


attitude
 3    1Dü 0DC .
)   .@? @1/ ü

(  
      @/ 1Dü C
    
3   .C0 @0E ?
 3    1DD C/1 1
(    .0 @/ 0
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c Ê  



b. ATTITUDES

  ?1  0DC  


   
    

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c. IN THE FAMIL

    
  
  
       

      


   
c Ê  


Table 3.3

Perceived gains in the family

Perceived gains in the family Frequen Perce Rank


cy nt

 
   110 0E@ .
 #
 
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+

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+                    


     




IV. NE·ATIVE EFFECTS OF MICROFINANCE TO BENEFICIARIES

     


    
   





      
3
     


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Table 4

Negative effects of the microfinance to the beneficiaries


Negative effects Frequency Percent Rank
Non- cooperation of group member .?C ü0. .@ %

Difficulty in repaying loans .?C ü0. .@ 


Being dependent to microfinance .. ?E ?
 
Slow processing of loans 0 1ü ü
Others ? .D @   

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c Ê  


CHAPTER IV

SUMMAR OF FINDIN·S, CONCLUSIONS AND RECOMMENDATIONS

         


       
      

       


 

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