Parrocha, Maricel C.Abellera, John Joshua B.Alvarado, Lea Mae E.Dela Cruz, Trisha Lei B.Ganuelas, Roan Mae N.Gaudia, Melanie N.2026-02-192026-02-192024-05Abellera, 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 [Unpublished Undergraduate Thesis].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.https://lakasa.dmmmsu.edu.ph/handle/123456789/1081Full textMicrofinance 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.xi, 71 p.: ill. (col.)enSOCIAL SCIENCES::Business and economicsCredit and loan institutionsMicrofinanceThesis