Statement of the Problem

The study will determine the treasury management practices of the multi-

purpose cooperatives in Rizal.

It will seek to answer the following questions:

1. What is the profile of the three groups of respondents in terms of:

1.1. Age;

1.2. Sex;

1.3. Civil status;

1.4. Educational attainment; and

1.5. Years of membership?

2. How do the three groups of respondents assess the treasury management

practices of multi- purpose cooperatives in Rizal with respect to:

2.1. Credit management;

2.2. Investment management; and

2.3. Receivables management?

3. Is there a significant difference in the assessment of the three groups of

respondents on the treasury management practices of multi-purpose

cooperatives in Rizal when grouped according to their profile?

Questionnaire Checklist

Name of the Cooperative (optional) _______________________________________

( ) Manager/Treasurer ( ) Board of Director ( ) Member

Part 1. Profile of the Respondents:

Direction: Please place your answer on the space provided or put a checkmark on the
option that corresponds to your answer.

Age: ___________

Sex: ___________

Civil Status: ____________

Educational Attainment
( ) High school level
( ) High school graduate
( ) College Graduate
( ) Others, please specify ____________________________

Years of Membership
( ) Less than 1 year
( ) 1 – 5 years
( ) 6 – 10 years
( ) 11 – 15 years
( ) more than 15 years
Part 2: Treasury Management Practices

Direction: Using the Likert Scale, put a checkmark (/) on the box that corresponds to your
answer. (Gamit ang Likert Scale, lagyan ng tsek ang kahon na naglalaman ng inyong sagot)

5 Always (palagi)
4 Often (madalas)
3 Sometimes (minsan)
2 Rarely (bihira)
1 Never (hindi kailanman)

5 4 3 2 1
Credit Management
1. Gives patronage refund from interest payments on
loans. (Nagbibigay ng patronage refund mula sa interes
na ibinanayad sa utang)
2. Releases loan proceeds through cash or check payable
to the borrower (Ang inuutang ay maaaring makuha sa
pamamagitan ng kash o tseke)
3. Trains members on loan usage (Sinasanay ang kasapi
sa tamang pag-gamit ng utang)
4. Checks the completeness of the loan application form
(Sinusuri ang pagkakumpleto ng loan application)
5. Requires the credit committee to approve the loan
(Kinakailangan ang pag abruba ng Komite ng Pautang
sa lahat ng uri ng utang)
6. Approves loan of members with good credit standing
only (Ang mga kasaping mahusay magbayad lang ang
inaarubahan na mangutang)
7. Informs members of all amendments to the loan terms,
rates and conditions (Ipinapaalam sa mga kasapi ang
mga pagbabago sa termino, interes at kondisyon ng
utang)
8. Records loan payment history of members (Itinatala
ang lahat ng bagay ukol sa pagkakautamg ng kasapi)
9. Facilitates speedy processing of all loan transactions
(Mabilis ang proseso ng lahat ng transaksyon ukol sa
pautang)
10. Strictly follows credit and collection policies (Mahigpit
na ipinatutupad ang mga polisiya ng pangungutang at
kolekyon ng utang)
Investment Management
1. Informs members on the investments of the cooperative
during general assembly (Ipinapaalam sa mga kasapi
sa lahatang pagpupulong ang pamumuhunan ng
kooperatiba)
2. Obtains approval of investments from the general
assembly (Kinakailangang aprubahan ng lahat ng
kasapi ang pamumuhunan ng kooperatiba)
3. Invests in low risk investment types (Namumuhunan
ang kooperatiba sa mga ligtas na pamumuhunan)
4. Considers the marketability and profitability of
investment (Isinasaalang-alang ang kakayahang
magamit at kumita ang halagang ipinupuhunan)
 5. Uses idle cash to finance short term investments such
as certificate of time deposit, treasury bills, money
market etc. (Ang pondo ay ginagamit sa mga
panandaliang pamumuhunan)
6. Considers the safety of the funds being invested
(Isinasalang-alng ang kaligtsan ng pondong
ipinupuhunan)
7. Invests in real estate primarily for the use of the
cooperative or its members (Namumuhunan sa tunay
na ari-arian na magagamit ng kooperatiba at mga
kasapi)
Receivable Management
1. Offers multiple payment options such as field collection,
postdated check etc. (Nag-aalok ng ibat-ibang paraan
ng pagbabayad)
2. Gives interest discounts to encourage early payment
(Nagbibigay ng diskwento sa interes para makahikayat
sa maagang pagbabayad)
3. Sends collection notice before due date (Nagpapadala
ng notopikasyon bago ang takdang araw ng
pagbabayad)
4. Issues reminders and follow up letters to borrowers with
past due balance (Nagpapadala sa mga may utang ng
paalala at sulat kung hindi nakabayad sa takdang
panahon)
5. Charges additional interest rate and penalties on past
due balances (May dagdag na interes ang utang kung
hindi nakabayad sa takdang panahon)
6. Requires a co-maker if total loans (new + outstanding)
are more than the share capital of the member-
borrower (Nangangailangan ng co-maker kung ang
inuutang ay higit sa share capital)
7. Asks the co-maker to bear the outstanding liability
including the interest and penalty charges (Ang co-
maker ang mgbabayad ng di nabayarang pananagutan
ng umutang)
8. Terminates the borrower’s membership and closes the
member’s share capital contribution against his/her
outstanding balance if the loan remains unpaid (Kung
ang utang ay di nabayaran, aalisin siya bilang kasapi at
ang kanyang share capital ay ibabayad sa kanyang
utang)
9. Allows extension of the payment period thru a written
request of the borrower to the Credit Committee
(Pinanayagan na palawigin ang pagbabayad ng utang
kung ang kasapi ay susulat sa Komite ng Pautang)
10. Requires the borrower to issue a promissory note duly
signed by the borrower and an assignment or pledge of
his/her deposit/share capital (Kailangang magbigay ng
promissory note na may lagda ng umutang at italaga
ang kanyang deposito/share capital bilang kolateral