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Small loans, big dreams:

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creativework.keywordsloan performance, loan terms, micro-entrepreneurs, microfinance institutions
dc.contributor.advisorParrocha, Maricel C.
dc.contributor.authorAbellera, John Joshua B.
dc.contributor.authorAlvarado, Lea Mae E.
dc.contributor.authorDela Cruz, Trisha Lei B.
dc.contributor.authorGanuelas, Roan Mae N.
dc.contributor.authorGaudia, Melanie N.
dc.contributor.chairBayani, Keneth G.
dc.contributor.committeememberGacayan, Daniel B.
dc.contributor.committeememberQuinitip, Tiffany Ruth R.
dc.contributor.committeememberSiong, Venus D.
dc.date.accessioned2026-02-19T01:38:28Z
dc.date.available2026-02-19T01:38:28Z
dc.date.issued2024-05
dc.descriptionFull text
dc.description.abstractMicrofinance 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.
dc.format.extentxi, 71 p.: ill. (col.)
dc.identifier.citationAbellera, J. J. B., Alvarado, L. M. E., Dela Cruz, T. L. B., Ganuelas, R. M. N. & Gaudia, M. N. (2024). Small loans, big dreams : Micro-entrepreneurs’ loan terms and loan performance of micro finance institutions in the City of San Fernando, La Union. [Unpublished Undergraduate Thesis]. Don Mariano Marcos Memorial State University – Mid La Union Campus, City of San Fernando, La Union. Lakasa ti Sirib, DMMMSU Institutional Repository.
dc.identifier.urihttps://lakasa.dmmmsu.edu.ph/handle/123456789/1081
dc.language.isoen
dc.publisherDon Mariano Marcos Memorial State University – Mid La Union Campus
dc.sdgSDG 8
dc.subjectSOCIAL SCIENCES::Business and economics
dc.subject.ddcCredit and loan institutions
dc.subject.ddcMicrofinance
dc.titleSmall loans, big dreams:
dc.title.alternativeMicro-entrepreneurs’ loan terms and loan performance of micro finance institutions in the City of San Fernando, La Union
dc.typeThesis
dspace.entity.typePublication
thesis.degree.disciplineCollege of Management
thesis.degree.levelUndergraduate
thesis.degree.nameBachelor of Science in Business Administration
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