HOLY CROSS OF DAVAO COLLEGE, INC.

VICE PRESIDENT FOR ACADEMIC AFFAIRS OFFICE

Main Campus: Sta. Ana Avenue corner C. De Guzman Street, Barangay 14-B, Davao City
Other Campuses: Camudmud (IGaCOS) and Bajada (SOS Drive)

SCHOOL OF BUSINESS AND MANAGEMENT EDUCATION

Outcomes-Based Syllabus

I. Course Code : FM3 III. Pre-requisites : FM1

II. Course Title : Credit and Collection IV. Course Credit (units) : 3 units
V. Contact Hours/Week : 3 hours per week

VI. Course Description:

The course covers techniques of establishing the credit, obtaining and checking information, servicing the loan, billing and collecting the amount due. This also includes working
knowledge on collection policies and procedures; principles of credit evaluation; open-end credit; direct lending; leasing of consumer goods; indirect lending; legal aspects of installment credit;
and organizing and managing an installment loan department.

VII. Institutional Vision-Mission Statement:

The Holy Cross of Davao College (HCDC) is a community of Christ-centered evangelizers educated in the faith and animated by the passion for truth, justice, peace
and service.

As members of this Filipino archdiocesan educational institution, we commit ourselves:

 to promote quality Catholic education to all, especially the less fortunate, and
 to create through dialogue a Christian environment for the integral formation of persons who will be effective agents of social transformation.

VIII. Institutional Intended Learning Outcomes:

In our commitment to the “integral formation of persons who will be effective agents of social transformation”, we intend to produce graduates who are God-fearing,
globally competitive and equipped with the 21 st-century skills, namely, Life and Career, Learning and Innovation (4Cs), Information, Media and Technology skills.

Hence, an HCDC graduate is:

 1) A “CROSSIAN CRITICAL THINKER”: one who insightfully discerns complex realities, accurately evaluates evidences, interpreting them truthfully based on moral
standards, and comprehensively seeks out both conventional and innovative ways to solve a variety of non-familiar problems.
2) A “CROSSIAN INNOVATOR”: one who is aware of his own creativity and how it can contribute to the community, maximizes creative efforts using a wide variety
of techniques and approaches and is responsive to constructive feedback with the eagerness to learn from mistakes.
3) A “CROSSIAN INFOTECH SAVVY”: one who competently gathers and organizes information, critically analyzes and evaluates them based on established moral
criteria, and efficiently and effectively applies them, thereby providing appropriate solutions to various needs.
4) A “CROSSIAN ‘KENOSIS’ (selfless person)”: one who embraces with conviction the Christ-like character of emptying one’s self in order to obediently follow the
will of God (Maka-Diyos), to humbly seek the welfare of others (Maka-Tao), to justly advance the interest of one’s country (Maka-Bayan) and to diligently take care
of creation (Maka-Kalikasan).
5) A “CROSSIAN TEAM PLAYER”: one who consistently commits to personal and shared responsibilities, constructively contributes ideas and resources to improve
team efforts, generously assists others in their roles, and harmoniously works with people with different viewpoints.
6) A “CROSSIAN EVANGELIZER”: one who listens reflectively, articulates thoughts and ideas effectively through appropriate media and techniques, and
communicates efficiently truths and values that are inspired by the Gospel.

IX. Program Intended Learning Outcomes: (General Overview)

The graduates have the ability to:

1. perform the basic functions of management such as planning, organizing, staffing, directing and controlling;
2. apply the basic concepts that underlie each of the functional areas of business (marketing, finance, human resources management, production and operations
management, information technology, and strategic management) and employ these concepts in various business situations;
3. express oneself clearly and communicate effectively with stakeholders both in oral and written forms;
4. apply information and communication technology (ICT) skills as required by the business environment;
5. work effectively with other stakeholders and manage conflict in the workplace;
6. plan and implement business related activities;
7. demonstrate corporate citizenship and social responsibility;
8. exercise high personal moral and ethical standards;
9. analyze the business environment for strategic direction;
10. innovate business ideas based on emerging industry;
11. manage a strategic business unit for economic sustainability; and
12. conduct business research.
X. Course Intended Learning Outcomes (Course Objectives):

At the end of the course, students shall be able to:

a. Cognitive

1. understand the nature and functions of credit;

2. explain the techniques of granting loans by banks and other financial institutions;
3. evaluate the importance of 5cs of credit; and
4. formulate policies with regards to credit and collection.
5.
b. Psychomotor

1. demonstrate the skills acquired in conducting credit interview;

2. conduct credit investigation; and
3. prepare various credit reports.

c. Affective
1. exhibit honesty in compliance to credit requirements;
2. value promptness in paying obligation; and
3. appreciate the importance sound credit and collection management.
XI. Suggested Reading and References:

R1 Alminar-Mutya, R.F. (2017). Introduction to Philippines money, credit and banking. Mandaluyong City: Anvil Publishing, Inc.
R2 Laman, R. M., Laman V.B., and Evia, E. P (2014). Financial system, market and management. Manila: GIC Enterprises & Co. Inc.
R3 Medina, R.G. (2014). Money, credit and banking. Manila: Unlimited Books Library Services & Publishing Inc.
R4 Moyer, R.C. , Mcguigan, J.R., Rao, R.P. (2018). Contemporary financial management. (14th ed.). Boston: Cengage Learning.
R5 Watson,C. ( 2014). Introduction to credit( 3rd ed.). Global Professional Publishing Ltd.
R6 Retrieved from https://www.practicon.com/pdf/billing-and-collection-procedures.pdf

XII. Course Requirements:

1. Regular Class Attendance

2. Research/ Assigned Readings
3. Group Presentation
4. Written Analysis of Case (WAC)
5. Reaction Paper
6. Active Participation in class
7. Quizzes and Examination
8. Compilations of Credit & Collections Forms , Documents and Requirement

XIII. Grading System:

Prelim Grade
Quizzes, Recitation, Journal, Assignment etc. 50%
Prelim Exam 25%
Midterm Exam 25%
100%
Tentative Final Grade
Quizzes, Recitation, Assignment etc. 50%
Semi Final Exam 25%
Final Exam 25%
100%

Final Grade = Midterm Grade + Tentative Final Grade

2
XIV. Classroom Policies:

A. School Standard
 Prayer – Classes start and end with a prayer which can be led by the students who take turn by doing so.
Saying spontaneous prayers as well as reciting the HCDC Vision-Mission Statement are highly encouraged.
 Teachers’ attendance is needed in meetings, seminars, retreats and other school activities.

B. Students’ Attendance/Tardiness
 Students’ Attendance – The seat plan is used for this purpose.
 After 5 absences (MWF) and 3 absences (TTh) referral is made to the office of Student Affairs and/or Guidance Office.
 After 9 unexcused absences, a grade of dropped is given if the student was passing at the time of the allowable absence; a grade of failed is given if he was
failing at the time he was dropped.
 Allowable absence: 5-unit subject = 15 hours
3-unit subject = 9 hours
2-unit subject = 6 hours
 Considered excused absences (with admission slip) – illness, death in the family, retreat/recollection)
 Tardiness – 15 minutes is allowed for the students to transfer from one room to another.

C. Stewardship
 Stewardship – Classroom cleanliness, proper use of boards, energy conservation, etc.

D. School Activities
 Activities during Sundays and Holydays of Obligation – Any activity organized on Sundays and Holydays of obligation, may it be for student and faculty, needs
the approval of the school president.
 In-Campus Activities – Teachers should bring the students to the venue of any in-campus activity such ad mass, assembly, symposia and the like. Teachers
should not hold classes during this time.
 Off-Campus Activities – These should be in line with the vision-mission of the school. These activities require the endorsement of the Program Head, OSA and
the approval of the Dean of College. The parent’s consent and waiver form signed by the parents/guardian should be submitted two days before the activity. A
written evaluation report of the activity is also required.
 Internal and External activities are not allowed one week before the periodic exams (Prelim, Midterm, Semi-Final, Final). All academic activities should be done
within the term.
  No class activities should be undertaken anymore at the end of the semester/summer term.
 Holding of fashion shows or beauty pageants and similar activities in the classroom, school lobby and gym is not allowed.

E. Examination
 An advance exam is NOT ALLOWED. When this could not be avoided, the teacher must secure a written approval from the Dean of College through the
Program Head.
 No student should be exempted from taking the final examinations.
 Activities such as outings, parties, drama presentations, term/reaction papers and the like should not take the place of the written periodic examination.
 Midterm grades should be encoded two weeks after the midterm exam. The Guidance Office needs the grades to enable them to answer parents’ queries and
to enable them to conduct counseling more effectively.
 Changing of final grades is allowed 30 days after the last day of the final exam. The grade changing form is available at the VPAA office and is submitted to
the Registrar’s Office by the teacher himself/herself. If the student was not able to take an exam or quiz or was not able to pass a project or a term paper or an
assignment, his rating in that particular exam or quiz, etc. should be computed as 50% (the equivalent of zero). Giving an Incomplete/No Grade is not allowed.

F. Academic Advising
 Academic Advising – The institutional academic advising (obtained at the office of the program chairperson) should be observed.

XV. Consultation Hours:

Please refer to the Academic Advising Schedule

XVI. Detailed Course Outline:

Time Frame Specific Learning Outcomes Topic Teaching and Learning Activities Assessment Task Resources & References
Materials

Day 1 Classroom Policies Orientation

School’s Vision-Mission Statement of
HCDC.
At the end of the prelim period, students
should be able to:

1. know the nature and functions of 1. Introduction of Credit  KNOW-WANT-LEARNED (KWL)  Group  Handouts R1 pp. 94-97
P credit; a. Nature and Functions of (students share prior learnings, presentation
2. define credit; Credit what they want to know and what with rubrics R2 pp. 91- 93
R 3. understand the meaning and the b. Meaning of Credit they have learned about Credit) ( Collage  White
different views of credit; c. Different Views of Credit Making) Board Pen R3 pp. 99-105
E 4. analyze the characteristics of d. Characteristics of Credit  Collage Making: Importance of and Board
credit e. Basic Elements of Credit Credit  Graded Oral
L 5. explain the basic elements f. Users of Credit participation
6. identify the users and kinds of g. Kinds of Credit  LCD
credit h. Significance of Credit  Lecture Method on the
I  Quizzes on the
7. appreciate the significance of introduction of credit topics R3 pp. 111-
credit 2. The 5 C’s of Credit discussed.  Reference 112
M 8. evaluate the importance of 5 C’s a. Character  Brainstorming by the students ( group quiz and Books
of credit in the granting of loans; b. Capacity ( importance of 5cs of credit ) individual quiz ) R2 105-107
9. understand the functions of credit c. Capital
and collection department; and d. Collateral  Case  internet
10. value the importance of e. Condition  Case Study ( 5cs of Credit) Presentation
managing credit risks. with rubrics
3. The Credit and Collection
Department  Research the functions of the
credit and collection department  Graded Article
4. Managing Credit Risk Review with R1 pp. 120-
 rubrics 122
 Article Review : How to manage
5. Credit Products & Services Credit Risk  Prelim exam R5 pp. 73-93

Time Frame Specific Learning Outcomes Topic Teaching and Learning Activities Assessment Task Resources & References
Materials

At the end of the mid-term period,

students should be able to:

1. gather information regarding the 1. Gathering of Credit Information  Role Play on credit interview and  Graded Role Play  Handouts
M perspective clients of the banks credit investigation Presentation with R3 pp. 113-
through various methods like credit a. The Credit Interview rubrics  White 115
I interview and investigation;  Lecture on how to prepare credit Board Pen
b. Credit Investigation, report Graded Oral and Board R2 pp. 398;
D 2. identify the sources of credit Procedure and Report participation with 102
information  Collaborative Research – sources rubrics  LCD
T c. Sources of Credit Information of credit information R1 pp. 97
3. analysis the Financial Statements Quizzes on the
E to ascertain credit worthiness of the d. Financial Analysis and  Review on Ratio Analysis topics discussed  Reference
applicants. Evaluation (Individual/ Small Books
R  Problem Solving: loan to value Group)
4. calculate loan to value ratio; e. Loan to Value Ratio ratio
M  internet
5. explain the code of ethics in 2. Code of Ethics in Exchange of  Lecture on Code of Ethics in Group Presenration
exchange of information and the Credit Information Exchange of Credit Information with rubrics ( Slogan
cardinal C’s of credit men. Making)
3. The Cardinal C’s of Credit
 Slogan Making based on the
Cardinal C’s of Credit

Mid-term exam
 Time Specific Learning Outcomes Topic Teaching and Learning Activities Assessment Task Resources & References
Frame Materials

At the end of the semi-final period,

students should be able to:

1. discuss the workings of the loans and 1. Servicing the Loans  Research types of loans serviced  Group Handouts R1 pp. 187-
discount department of the bank; a. The Loans and Discount by banks Presentation with
S 188
Department rubrics White Board
2. analyze the various types of loans  Lecture on Financing Installment Graded Oral Pen and Board
E serviced by the banks and the b. Types of Loans Serviced by Accounts participation with
financing installment accounts Banks rubrics LCD
M extended by the bank to its clients;  Group sharing
2. Financing Installment Accounts
I 3. discuss the loan committees, the  Comparative Analysis on loans  Group Reference
approval process, the recording and 3. Loan Committees and the Approval granted by the banks Presentation with Books
- accounting of loans and collection; Process rubrics
(Comparative
F 4. evaluate the monitoring and control  Board Work : Recording and Analysis) internet
system of credit and collection of 4. Recording and Accounting of Accounting of Credit and Collection
funds including the aging of accounts. Credit and Collection Quiz on the topics
I
 Small Group Problem Solving discussed R4 pp. 662-
N ( exercise problem solving Aging of 683
5. Monitoring and Controlling the
Accounts Receivable)
credit and collection funds
Semi-Final exam
A

L 6. Aging of Accounts Receivable

 Time Specific Learning Outcomes Topic Teaching and Learning Activities Assessment Task Resources & References
Frame Materials

At the end of the final period, the

students should be able to:

7. Billing and Collection Procedures  Collaborative activity Graded Oral Handouts R5 pp. 205-
1. identify the collection objectives participation based
213
structures and procedures of the a. Collection Objectives and  Group Presentations (Billing and on the lectured White Board
F bank; Structures topics
Collection Procedures Pen and Board
R5 pp. 223-
I 2. analyze the credit and collection b. Collection Procedures  Punctuated Lectures – Ask LCD 229
policies of the bank; students to perform five steps:  Graded Group
N c. Credit and Collection Policies listen, stop, reflect, write, and give Presentation with
3. evaluate the role of collections in feedback. (Role of Collectors in a rubrics (Billing and Reference R6
A business; and d. Restructured Loans Business) Collection Procedures) Books

L 4. explain the collection calendar and e. The Collection Calendar and Quiz on the topics
some suggested collection some suggested Collection discussed internet
approaches. Approaches
Final exam
f. Role of Collectors in a Business:
Collector’s Reports and Receipts

Prepared by: Recommended for Approval by: Approved by:

LORRIBELLE R. OCENAR, PhD MARILYN C. GUINTO, DRDev PAQUITO P. PASIA, JR., MM
Faculty Program Chairperson Dean