factors affecting credit gdfgdf

8/13/2019 Factors Affecting Credit gdfgdf

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Factors ffecting Credit BehaviorsGovernment Employees inCity Hall of Lipa


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1. What is the profile of the respondents

1. in terms of:

age,

gender,

marital status,

job classification,

monthly income, and

total credit limit?

3. Is there a significant relationship between theprofile of the respondents and their creditbehaviors?

2. What are the respondents credit

in terms of:

financial independence,

financial confidence & security,

financial stressor,

credit card usage, and

credit recovery behaviors?

4. What plan of action can be proposedrespondents credit behavior for betterpersonal financial management?

STATEMENT OF THE PROBLEM


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CONCEPTUAL FRAMEWORK

INPUT

Profile:

Age

GenderMarital Status

Job Classification

Monthly Income

Total Credit Limit

Credit Behaviors:

Financial

IndependenceFinancial Confidence

& Security

Financial Stressor

Credit Card Usage

Credit RecoveryBehaviors

OUTPUT

Relationship

betweenrespondents profile

to their creditbehaviors.

Recommendationsand conclusions

based on the results.

Proposed plan ofaction concerning

respondents creditbehavior for better

credit card andpersonal financial

management.

PROCESS

AnalyzingSummarizing

TabulatingInterpreting


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Age Frequency Percentage21-30 6 7.5 %31-40 26 32.5 %41-50 28 35 %51-60 19 23.75 %61-70 1 1.25 %Total 80 100 %

Distribution of Respondents

According to Age

Gender FrequencyFemale 68Male 12Total 80

Distribution of Resp

According to Ge


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Gender Frequency PercentageFemale 68 85 %Male 12 15 %Total 80 100 %


According to Gender

Job

ClassificationFrequency

Rank and File 45 5Supervisory /

Middle

ManagementPosition

31 3

Executive /ManagerialPosition

4 5

Total 80

Distribution of Res

According to Job C


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Monthly

Income Frequency Percentage

P10,000 P20,000 40 50 %P20,001 P30,000 17 21.25 %P30,001 P40,000 6 7.5 %P40,001

P50,000 11 13.75 %

AboveP50,000 6 7.5 %Total 80 100 %


According to Monthly Income

Total Credit

Limit Frequency

P50,000 andbelow 38P50,001 P100,000 21P100,001 P150,000 13P150,001

P200,000 3AboveP200,000 5Total 80

Distribution of Resp

According to Cred


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Age cvof r Decision InterpretationFinancial

Independence 0.232 AcceptH0No significantrelationship

Financial Confidenceand Security 0.232 Reject H0 Significantrelationship

Financial Stressor0.232

Accept

H0No significant

relationshipCredit Card Usage

(positive) 0.232Accept

H0No significant

relationshipCredit Card Usage

(negative) 0.232 Reject H0 SignificantrelationshipCredit Recovery

Behaviors0.232

Accept

H0No significant

relationship

Relationship between the Age of the Respondent

and their Credit Behaviors


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Gender t P value Decision InterpretaFinancial

Independence -2.01 0.063 Accept H0No signific

relationsFinancial

Confidenceand Security -2.11 0.047 Reject H0

Significa

relations

FinancialStressor 1.33 0.20 Accept H0 No significrelations

Credit Card

Usage(positive) -0.05 0.96 Accept H0

No signific

relations

Credit Card

Usage(negative) -1.74 0.10 Accept H0

No signific

relations

Credit

Recovery

Behaviors1.31

0.21Accept H0 No significrelations

Relationship between the Gender of the Respond

and their Credit Behaviors


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MaritalStatus f P value Decision Interpretati

Financial

Independence 0.32 0.728 Accept H0

No significa

relationsh

Financial

Confidenceand Security 0.26 0.773 Accept H0

No significa

relationsh

FinancialStressor 1.57 0.215 Accept H0 No significarelationsh

Credit CardUsage

(positive) 0.15 0.859 Accept H0No significa

relationsh

Credit Card

Usage(negative) 0.80 0.455 Accept H0

No significa

relationsh

Credit

RecoveryBehaviors 1.31 0.276 Accept H0

No significa

relationsh

Relationship between the Marital Status of the

Respondents and their Credit Behaviors


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Jobclassification f P value Decision Interpre

FinancialIndependence 5.41 0.006 Reject H0 Significarelations

Financial

Confidenceand Security 7.89 0.001 Reject H0

Significa

relations

FinancialStressor 0.97 0.382 Accept H0 No signirelations

Credit Card

Usage(positive) 3.55 0.034 Reject H0

Significarelations

Credit Card


No signi

relations

Credit

RecoveryBehaviors 0.07

0.936 Accept H0

No signirelations

Relationship between the Job Classificatio

of the Respondents and their Credit Behavio


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MonthlyIncome F P value Decision InterpretaFinancial

Independence 3.20 0.017 Reject H0 SignificarelationsFinancial


Significa

relations

FinancialStressor 1.75 0.148 Accept H0 No signifirelations

Credit Card

Usage(positive) 2.07 0.092 Accept H0 No signifirelations

Credit Card


No signifi

relations

Credit

RecoveryBehaviors

0.50 0.738 Accept H0 No signifirelations

Relationship between the Monthly Income



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Total Credit

Limit

f P valu e Decision InterpretatFinancial

Independence 3.74 0.008 Reject H0 SignificantrelationshipFinancial


Significant

relationshipFinancialStressor 3.46 0.012 Reject H0 Significantrelationship

Credit CardUsage

(positive) 1.64 0.173 Accept H0No significant

relationshipCredit Card

Usage(negative) 4.77 0.002 Reject H0

Significant

relationshipCredit

Recovery

Behaviors0.68

0.605Accept H0 No significant

relationship

Relationship between the Total Credit Limit


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