Master's Theses

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Browsing Master's Theses by Author "Rillera, Rowena H."

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    The housing development program and sense of security of beneficiaries in southern La Union
    (Don Mariano Marcos Memorial State University -Open University System, 2005) Rillera, Rowena H.
    RILLERA, ROWENA H. “The Housing Development Program and Sense of Security of Housing Beneficiaries in Southern La Union.” MDA Thesis. Don Mariano Marcos Memorial State University, City of San Fernando, La Union, October 2005. Adviser: PAULITO C. NISPEROS, Ed. D. This study aimed to determine the effects of the housing development program and sense of security of beneficiaries in Southern La Union CY 1998- 2004. Specifically, it answered the following: What is the profile of housing beneficiaries along age, civil status, sex, income, source of income, other livelihood, number of livelihood, mode of acquisition, payment scheme, number of appliances, years of stay? What is the profile of LGU HUDC implementers along income class, total budget, zoning classification, internal revenue allotment, land area, other development programs implemented, physical features and budget of housing unit? What is the level of attainment of objectives of “Urban Development and Housing Act of 1992” (UDHA)? What is the degree of adequacy of LGU HUDC implementers along transport services, basic and livelihood services? What is the extent of participation of beneficiaries along the following areas on ecological program and health program and? What are the effects of the Urban Development ang Housing Programs of 1992 in terms of sense of security and degree of social involvement ? The study used the descriptive survey method that involved 176 respondents, 164 of which are housing beneficiaries and 12 LGU HUDC implementers. Data were analyzed using frequencies, percentages and means. The salient findings of the study are: as to profile of housing beneficiaries, most of the respondents are female, married with dependents, aged 41-46 years old, receiving an income from Php121000 to Php180000, either employed in public, private institutions, or self-employed. Majority acquired their house and lot through a housing loan on installment scheme. Most of the respondents have 6 to 10 number of appliances and half of the respondents (50%) claimed to have stayed between 6 to 10 years in the subdivision. As to profile of LGU HUDC implementers, most were 3rd class municipalities with no budget or allocation for housing projects; majority has an Internal Revenue Allotment of 31million being used for other priority projects like the infrastructure and social services. The level of attainment of objectives of Housing Development Program as perceived by the respondents was very high. The degree of adequacy of LGU HUDC implementers with regards to transport and basic services was very highly adequate, and on the extent of participation of beneficiaries along ecological and population programs was very high. Provision of good drainage was noted to be very low. The creation and implementation of the Urban Development Program had been identified with positive effects on part of beneficiaries along sense of security and degree of social involvement. Based on the findings of the study, the following conclusions were drawn: The majority of housing beneficiaries are female, married, of legal age and with dependents due to job stability, maturity and being aware of the importance of owning a house. Most of them are employed in either public or private institutions with an income ranging from Php 121,000.00 to Php l80,000.00 which manifests the ability to pay a housing loan and are able to meet the basic needs of the family. They have less than 5 number of households, with 6 to l0 number of appliances because of low family monthly income. House and lot were acquired through a housing loan the fact that payment scheme is made on installment scheme with longer amortization payment schedule. Most of them are satisfied along the provisions of the various programs and services considering the fact that most have stayed, enjoyed and live 11 to 15 years within the subdivision. Most of the respondents of LGU’s HUDC implementers are in 3rd class municipalities, have an Internal Revenue Allotment of 31 Million more or less which are being used in upgrading lives of people and for the development of other priority projects such as infrastructure and social services. The site zoning classification of all the subdivision projects were classified as agricultural, pastureland or grassland but were reclassified as RESIDENTIAL which is a requirement that a proposed subdivision project must be erected within a residential zone and must be compatible to the land use plan of the municipality. The LGUs are known for their physical features such as on aquaculture projects, tourist spot and antique capital of the South. The housing beneficiaries were encouraged to avail a housing loan on government financing agencies because LGUs do not have budget allocation for housing projects. The level of attainment of objectives of “Urban Development and Housing Act of 1992 (UDHA)” is very highly attained considering the respondents’ self- satisfaction, social awareness and involvement on the various programs and projects. The provision of transport services, basic and livelihood services is highly adequate due to convenience of travel and accessibility to primary roads, transportation facilities to place of employment, markets and institutional centers. The active participation of Housing beneficiaries along ecological and health programs contribute to the successful implementation of the program. The high sense of security and social involvement of the beneficiaries indicate successful implementation of the program but the lack of funds to finance a housing projects by the LGU-HUDC implementers hinders the progress of the community especially in the availment of low and affordable housing for the poor, In the light of the findings and conclusions, the following are recommended: The government should intensify its information campaign on its housing programs so that many will be encouraged to avail it. Likewise, head of families either a father or single and permanently employed should take advantage of the availment of the loan-package housing projects for investment. On the otherhand, the subdivision owners and HUDCC implementers should provide or allow small business ventures or any livelihood projects and programs to help augment income thereby improving the quality of lives of the housing beneficiaries. The government should look into and study the present paying scheme of government institutions on housing loans and implement a lower interest rates and longer paying period especially to the low-income Filipinos. They should also provide an equitable land-tenure system that shall generate security of tenure of program beneficiaries to attract more Filipinos to avail of the program. LGU participation on Urban Development and Housing program should be intensified. Furthermore, the concerned LGU HUDC implementers in coordination of private developers should initiate improvements and adequacy of other transport services and livelihood opportunities to sufficiently meet the basic needs of families. The mushrooming of housing projects must be planned and implemented by the government considering the identified positive effects of Housing Development Program on sense of security and degree of social