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ACKNOWLEDGMENT The researchers would like to express their profound gratitude and sincere appreciation to the encouragement, moral support, motivation, prayers, precious time and professional assistance given to them to make this study a successful one. Dr. Olivia F. de Leon, University President, for giving them the opportunity to experience conducting research; Dr. Allen U. Bautista, Director of University of Rizal System Rodriguez Campus, for giving them a chance to experience research work; Mrs. Maricel V. Maniaol, College Dean of School of Business, for her encouragement to make the study possible. Mr. Bryan DR. Acoba, Adviser, for his unwavering support and professional advice. Ms. Maria Gracia Antonio, their Statistician, for her patience and effort in correcting the tables of the data gathered; Mr. Ferdinand C. Gimeno, our English Critic, for his kindness, understanding and effort in providing the necessary grammatical corrections in our manuscript; To the Faculty of the School of Business, for sharing their knowledge and advice on how to become a good and successful researchers; To the Micro Financing Businesses and their members, for allowing themselves to be a part of their study, for the thoughts that they share to the researchers to make the study possible. Most especially to their parents and whole family for their moral and financial support; to their loved ones, friends and relatives,

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For their love, affection, moral, spiritual and financial support, who served as the researchers greatest source of motivation. And above all, to our Almighty GOD, who showered the needed strength, and encourage in to order finish this study.

The Researchers

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DEDICATION This master piece is wholeheartedly and humbly dedicated to our responsible and loving parents. We would like to express our sincere appreciation to the support and inspiration given by our friends, relatives, and loved ones; and most especially to Mr. Bryan DR. Acoba, our adviser, for giving us his full support and concern to our study. Above all, we dedicate this work to our Almighty God for giving us peace of mind, blessings, wisdom, guidance and strength to finish this research. G.S.G M.J.J.H M.C.M.V R.M.V

To God be the Glory!

TABLE OF CONTENTS Page TITLE PAGE APPROVAL SHEET ABSTRACT ACKNOWLEDGMENT .. ii iv v vii viii i

DEDICATION.... TABLE OF CONTENTS LIST OF TABLES LIST OF FIGURES Chapter 1 THE PROBLEM AND ITS BACKGROUND

....

....

Introduction Background and Purpose of the Study Theoretical Framework Conceptual Framework Statement of the Problem .... Hypothesis Significance of the Study Scope and Limitation .... Definition of Terms 2 METHODOLOGY OF RESEARCH AND SOURCES OF DATA Research Design Setting of the Study Subject of the Study .... Data Gathering Instruments Procedures of the Study .... Statistical Treatment

1 2 6 7 9 10 10 11 11

13 13 14 15 15 16

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PRESENTATIONS, ANALYSIS AND INTERPRTATION OF DATA ....................................

18

Problem No.1 Profile of the Respondent Terms of Age, Sex, and Monthly Family Income ............. 18 Problem No.2 Extent of Services Offered by Micro Financing Business as Perceived By Lenders in Terms of Lending and Borrowing Money . 20 Problem No. 3 Perceived Extent of Services Offered by Micro Financing Differ as Perceived by the Owner and the Lenders . 25 4 SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATION . 26 Summary of Findings................ 26 Conclusions .................... Recommendations ........ REFERENCES APPENDIX A B Gantt Chart ........................................... 30 31 32 33 34 35 36 42 43 47 27 28

..... 29

C D E F

Letter of Assignment B.1 Letter for the Adviser . B.2 Letter for the English Critic............... B.3 Letter for the Statistician................ B.4 Letter for the Chairman... Data Gathering Instrument C.1 Letter of Request to Gather Data and Conduct Study C.2 Questionnaire Checklist... Letter of Respondents... Curriculum Vitae.. Certificate of Reproduction ..

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LIST OF TABLE TABLE

1

PAGE Frequency in Terms of Percentage Distribution of the Respondents Age ........................ Frequency and Percentage Distribution of the Respondents in Terms of Sex

18

2 3 4 5 6

......... 19 .... 20 21 22

Frequency and Percentage Distribution of the Respondents in Terms of Monthly Income

Computed Mean, Verbal Interpretation and Ranking Distribution of the Respondents in Terms of Lending Money ....... Computed Mean, Verbal Interpretation and Ranking Distribution of the Respondents in Terms of Borrowing Money ...... Computed Mean, Verbal Interpretation and Ranking Distribution in Terms of Lending Money as Perceived by the Business Owners .................... Computed Mean, Verbal Interpretation and Ranking Distribution in Terms of Borrowing Money as Perceived by the Business Owners ...........................

23

24

Computed t-test on the Extent of Services Offered by Micro Financing Business as Perceived by Lenders and Business Owners .. 25

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LIST OF FIGURE

Figure 1 A Conceptual Model on the Extent of Services Offered by Micro Financing Business in Rodriguez, Rizal ............

Page

Vicinity Map of the Micro Financing Business in Rodriguez, Rizal... 17