Pelagio, Atanacio M. Jr. Unpublished Masteral Thesis, University of Nueva Caceres , Naga City.
Keywords: Socio-Economic Impact of the Micro Lending Program
This study attempted to determine the socio-economic impact of BBDFI Micro Lending Program along; management competencies, technical skills and personal attributes of the sub-borrowers in Naga City and Camarines Sur, C/Y 2001. Specific problems were: 1) What are the services availed of the sub-borrowers: financial, technical and marketing linkages? 2) What is the perceived, socio-economic impact along; management competencies, technical skills and personal attributes? 3) Is there a significant difference in term of impact per area: technical skills, management competencies and personal attributes?
The descriptive-evaluate and comparative method was used in this study. Respondents totaled to 500 sub-borrowers: from trading/marketing, 430; manufacturing/processing, 30; Information technology, 40. these respondents were the 20% of the total sub-borrowers from Naga City and Camarines Sur, C/Y 2001.
Major findings of this study were: 1) Along financial, highest number of loan availed of was 35%; lowest, 3.68%; the most availed of was re-structuring 22.42%; least availed of was re-discounting term 3.68%; along technical, most availed of training/seminar, 30.78%; leas availed of was financial management, 13.06%; along linkages, DTI ranked first 77.94%; fund sourcing, MNPC ranked last, 18%. 20 Perceived socio-economic impact along management competencies, interpersonal, 4.03; finance, 3.52; and marketing, 3.45; along technical skills, product/service knowledge, 3.25; market development, 3.41; along personal attributes, 3.58; determination, 3.14; external focus,3.23; team leader, 3.46. 3) There were significant differences in terms of socio-economic impact along management competencies, technical skills and personal attributes.
Major conclusions were: 1) Along financial, majority of the sub-borrowers belonged to small business operation with a very low capitalization; sub-borrowers were trained most along technical skills, least trained on product innovations and applied technological advancement. Department of Trade and Industry was identified most in marketing of produced product/ services by the sub-borrowers. 2) Perceived socio-economic impact along interpersonal relationship was perceived most along management competencies; least perceived, product/ service knowledge; creativity and resourcefulness, was most perceived along personal attributes; least perceived, team leader factor. 3) The computed F-value of 52 was less than the tabular value for the variance among the parameter significant at 5% but not significant at 1% level, along technical skills. The computed F-value of 1.45 was less than tabular value at 5% and 1% not significant, along personal attributes.