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Lubnac Garitan Bario-an (LUGARBA) multi-purpose cooperative as a financial intermediary to small scale farmers in selected barangays in the municipality of Tagudin, Ilocos Sur

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dc.contributor.authorVedania, Fredie A.
dc.contributor.authorFernando, Mariel C.
dc.date.accessioned2025-09-04T06:23:33Z
dc.date.available2025-09-04T06:23:33Z
dc.date.issued2013
dc.descriptionFull Text
dc.description.abstractThis study aimed to determine the level of performance of the Lubnac Garitan Bariaon (LUGARBA) Multi-Purpose Cooperative, Specifically the research study focused on the five areas of concerns: Saving mobilization, loans granted, loan repayment/collection, linkages with banks and other institution , and membership which is in relation to the annual growth of active membership. The study used descriptive research method and questionnaire as data gathering instrument. A total of 163 members of the LUGARBA MPC were the respondents. Frequency counts, percentages, weighted means were used for the analysis on the interpretation of the data gathered on the demographic profile, level of performance and problems encountered. Gretl was used to determine the significant relationship between respondents profile and the level of proficiency. The study showed that the level of performance of LUGARBA MPC as a financial intermediary was "very satisfactory". Most of the respondents were males (70%) aged 40 and above and married, high school graduate, farmers and have been working as such for more than 20 years. The provision of RA 9520 that affect the cooperative such as seminars and trainings of Board of Directors, Management Staff and Committee members have been complied. In terms of savings mobilization on loans granted, respondents rated LUGARBA MPC as 'outstanding" but only "satisfactory" in terms of loan collection/repayment and "very satisfactory" both growth in membership and linkages with other banks and institutions. There was significant relationship between the age and the saving mobilization, loans granted repayment or collection and membership. As a whole, the problems encountered by the cooperative were all considered "less serious" with insufficient funds for loans as number one with a mean of 2.33. Conclusions include the demographic profile of members are relevant factors in the saving patterns and participation of members, loans mobilization include accessibility and proximity of cooperative stores or office, efficient management and qualified officers and staff. Recommendations include expansions of the coverage of the cooperatives' operation, opening of saving accounts or members, continuing education through seminars and training for members so as to inculcate the importance of cooperatives and payment of loans.
dc.identifier.citationVerdania, F.A., Fernando, M.C., (2013) Lubnac Garitan Bario-an (LUGARBA) multi-purpose cooperative as a financial intermediary to small scale farmers in selected barangays in the municipality of Tagudin, Ilocos Sur [Unpublished undergraduate thesis] DMMMSU-OUS
dc.identifier.urihttps://lakasa.dmmmsu.edu.ph/handle/123456789/312
dc.language.isoen_US
dc.publisherDon Mariano Marcos Memorial State University -Open University System
dc.sdgSDG 9
dc.titleLubnac Garitan Bario-an (LUGARBA) multi-purpose cooperative as a financial intermediary to small scale farmers in selected barangays in the municipality of Tagudin, Ilocos Sur
dc.typeThesis
dspace.entity.typePublication
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