LAKASABrowsing by Author "Gaudia, Melanie N."

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Small loans, big dreams:
(Don Mariano Marcos Memorial State University – Mid La Union Campus, 2024-05) Abellera, John Joshua B.; Alvarado, Lea Mae E.; Dela Cruz, Trisha Lei B.; Ganuelas, Roan Mae N.; Gaudia, Melanie N.; Parrocha, Maricel C.; Bayani, Keneth G.; Gacayan, Daniel B.; Quinitip, Tiffany Ruth R.; Siong, Venus D.
Microfinance Institutions (MFIs) have become instruments in the promotion of sustainable development goals, ensuring the economic growth and development of micro-entrepreneurs worldwide. The study was conducted to describe the micro-entrepreneurs’ loan terms, portfolio quality of microfinance institutions, and the relationship between the micro-entrepreneurs' loan terms and portfolio quality of the microfinance institutions in the City of San Fernando, La Union. The study adopted a cross-sectional survey and correlational research design, and the data were gathered from 17-microfinance institutions using a validated questionnaire and were analyzed using frequency counts, percentage, Spearman’s Rho, and Point-Biserial Correlation. Findings revealed that the respondents MFIs offered flexible loan terms to micro-entrepreneurs and have a deteriorating portfolio quality with high levels of portfolio at risk ratio and write-off ratio. Further, the findings revealed that the loan amount and penalties under micro-entrepreneurs’ loan terms have a significant relationship with portfolio quality in terms of write-off ratio.