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Now showing 1 - 10 of 16
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    Availment of loans: access households with unemployed heads to available government social insurance program
    (2014-12) Allanigue, Ana Lauren D.; Alicante, Michelle Anne C.; Solon, Jose Orville C.
    This paper aims to identify whether or not households with unemployed heads are able to avail of loans from social insurance programs offered by the government. Using data gathered from the 2013 Annual Poverty Indicators Survey (APIS), we analyze the determinants of the type of credit lenders from which households would borrow. We use variables related to the eligibility criteria for borrowing and control for demographic characteristics that may affect the household's decision. The borrowing model is then estimated as a multinomial logistic regression model to empirically test for the likelihood of the household's decision to avail of a loan from the government and/or private lenders. The paper is particularly interested in the employment status of the household head as used as the main explanatory variable that determines choice of credit lender. The results show that the status of employment of the household head is not a statistically significant determinant of whether or not a household can borrow from the government lending institutions. This implies that government programs are equally accessible to both households with employed and unemployed heads. On the other hand, employment status is found to be significant in determining the likelihood of availing from private moneylenders or a mix of different loan institutions. We recommend that while government social insurance programs do not discriminate against the unemployed, it may have to be re-examined to further improve access to poor borrowers.
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    Economic effects of the loans of the Rural Bank of Calumpit, Inc.
    (1969-01) Baltazar, Celia T.; Sicat, Gerardo P.
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    The special market vendors' loan program of the Philippine national bank
    (1983-03-21) Ortiz, Julie Marie; Ramos, Josephine Ann; Miranda, Casimiro Jr.
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    An estimation of a commercial loan demand function
    (1987-01) Dizon, Ma. Arleen G.; Herrin, Alejandro
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    A study on the non-repayment of loans of the agricultural credit administration
    (1979-03) Balingit, Ma. Theresa M.; Ynchausti, Cynthia S.
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    Towards alleviating the loan default problem under the special farm credit programs
    (1987-03) Rodriguez, Ma. Genaline S.; Tupaz, Ma. Leilani F.; Castro, Amado
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    Default risk on loans: the case of the UP student loan fund
    (2002-03) De Guzman, Angelo; Roquiño, Eduardo F.; Reside, Renato
    This study aims to scrutinize, assess, and evaluate the default risk of borrowers on their loans at the UP Student Loan Board. In particular, this has been designed to inquire on the nature and dynamics of the Student Loan Fund, to find out the characteristics of borrowers who will most likely default from their loans, and to elicit recommendations on how to improve the loan scheme. The researchers largely obtained their data from the UP Student Loan Board Office. To make the study sample more manageable, the researchers delved on the loans made on the first semester of AY 2001-2002 concentrating on two types of loans- the Tuition Fee Loan and the Short-Term Cash Loan. The researchers run a regression to determine the relationship of default on loans with some other identified variables reflected in the application forms of the borrowers. It has been noted that several reasons, aside from the lack of money, can influence default. Factors such as the absence of collateral, the presence of the guarantor, and the lax enforcement of contracts were considered to affect the inability of the students to settle their obligations. Moreover, the personal characteristics of the borrowers can also affect the non-payment of loan. Default was then analyzed as a- function of sex, residence, college, course, year, basis of payment, purpose of loan, guarantor, and amount of outstanding Joan and the amount of loan. With the regression, the researchers determined Non-Majors, First Year Undergraduates, and those who obtained lesser amount of loans to be the most likely to default from their TFL. While those who are from Metro Manila and those who availed loans for non-school purposes are the most likely to default from their STL. Recommendations have been put forward to improve the loan scheme.