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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Abiol, Michael Jere’ D.
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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Perceived Credit Risk of Micro Finance Loans among Micro-enterprises Business in Población Iligan City Juventud, Windy M.; Matigas, Elery Ann O.; Himongala, Jenny; Galla, Malou R.; Abiol, Michael Jere’ D.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 10 (2023): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.10.22

Abstract

This study aimed to assess the perceived credit risk associated with microfinance loans among micro-enterprise businesses. It had three primary objectives: first, to profile the respondents based on their demographics; second, to gauge their perceptions regarding the credit risk and of the microfinance loans. The research employed a descriptive-correlational research design and was conducted in Brgy. Poblacion, Iligan City, involving a random sample of seventy-five business owners who completed an adapted and modified survey questionnaire. The findings revealed that a majority of the business owners were elderly individuals aged 51 years and older, primarily running cafeteria businesses. Many of these business owners had availed of microfinance loans for their enterprises, and a significant portion had recently experienced this process. It is noteworthy that the majority of micro-borrowers have limited incomes and a lack of substantial credit history. Over time, the microfinance sector has adopted risk mitigation strategies like group lending models and accepting specific collateral types. Moreover, microfinance institutions have expanded their lending to microenterprises, assessing their creditworthiness based on cash flows. In conclusion, this study suggests that factors such as age, business type, prior loan utilization, and loan experience do not significantly influence individuals' perceptions of credit risk associated with microfinance loans. Thus, other unexplored factors may play a more prominent role in shaping how individuals perceive the credit risk in microloans.
The Relationship and Influence Between 4p’s Subsidy and Financial Literacy Through Universal Basic Income Among the Beneficiaries of Selected Barangays in Iligan City Eleoran, Angelica T.; Castillon, Marchie C.; Manlosa, Razel Mae D.; Bahala, Dianne Therese Marie C.; Abiol, Michael Jere’ D.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 10 (2023): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.10.19

Abstract

The research aimed to explore the potential of Conditional Cash Transfer (CCT) systems in delivering financial education and influencing knowledge and behavior among beneficiaries residing in selected barangays within Iligan City. Cash transfer initiatives have gained significant traction in regions worldwide characterized by deep-seated poverty and inequality coupled with relatively unstable social protection systems. They are often hailed as a viable tool for bolstering social protection, endorsed by international organizations and aid agencies. Conditional cash transfers (CCTs) are being considered as a strategic approach to alleviating poverty while simultaneously making investments in human capital. Evaluations of CCT programs have demonstrated their potential in promoting greater utilization of healthcare and educational services. This study delves into the extent to which CCTs can enhance financial capability. One notable example is the Pantawid Pamilyang Pilipino (4Ps) program in the Philippines, a cash distribution initiative that channels resources into health and education with the aim of mitigating extreme poverty.
The Influence of Interpersonal Skills of Working Students on Client Service Satisfaction in a Higher Educational Institution Abejo, Chaldea G.; Adanza, Diosa Ruby Anne G.; Salvador, Haniza N.; Uy, Mary Niña J.; Indoc, Sheila Mae P.; Abiol, Michael Jere’ D.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 11 (2023): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.11.16

Abstract

The research aimed to investigate the impact of working students' interpersonal skills on client service satisfaction in a higher education institution on Sabayle Street, Iligan City. The study, conducted in 2022, included 50 respondents to accomplish its objectives. Stratified random sampling was employed to assess the interpersonal skills of the respondents. The study's findings concluded that clients expressed a high level of satisfaction with the services they received, indicating a significant positive relationship between clients and working students. The research strongly recommended that both working students and their clients recognize and support this positive dynamic to strengthen their relationship further. Additionally, it encouraged the provision of constructive feedback on how working students interacted with their clients at St. Peter's College on Sabayle Street in Iligan City. In summary, this study shed light on the positive impact of working students' interpersonal skills on client service satisfaction. Acknowledging and nurturing this relationship was crucial for both parties involved, fostering an environment of mutual support and growth. Additionally, offering constructive feedback further enhances the quality of interactions between working students and clients in the academic setting.
The Study on The Relationship Between Promotional Strategies to Freshmen Students’ Perceptions and Needs in A Higher Educational Institution in Iligan City Guro, Princess Diamond B.; Iman, Jimm M.; Pendang, Ma. Lynflora; Madura, Rhodo Feliah; Abiol, Michael Jere’ D.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 11 (2023): International Journal of Multidisciplinary: Applied Business and Education Res
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.11.17

Abstract

This study delves into the impact of promotional strategies on the perceptions and needs of freshmen students in higher education institutions. Its primary objective is to scrutinize the connection between promotional strategies, customer perception, and customer needs, with the goal of formulating precise and efficient marketing tactics. Conducted at a higher education institution in Iligan City, Philippines, the research encompasses participants from various colleges, ensuring a well-rounded sample. Employing a descriptive-correlational research design, data was gathered through an online survey questionnaire and subjected to analysis through descriptive statistics and Pearson correlataion analysis. The outcomes reveal a substantial positive correlation between promotional strategies and both customer perception and customer needs. Promotional strategies that are personalized, convenient, and sustainable are shown to enhance customer experience, customer value, and brand loyalty. This study offers valuable insights for both marketers and scholars, advocating for educational institutions to implement marketing programs with a focus on promotional strategies. Future research should explore the efficacy of promotional strategies across different contexts and diverse demographic groups to ensure all-encompassing and impactful marketing strategies. By comprehending the influence of promotional strategies on customer perception and needs, businesses and educational institutions can craft tailored marketing campaigns to attract and retain customers in today's fiercely competitive market landscape.
Co-Authors Abejo, Chaldea G. Adanza, Diosa Ruby Anne G. Bahala, Dianne Therese Marie C. Castillon, Marchie C. Eleoran, Angelica T. Galla, Malou R. Guro, Princess Diamond B. Himongala, Jenny Iman, Jimm M. Indoc, Sheila Mae P. Juventud, Windy M. Madura, Rhodo Feliah Manlosa, Razel Mae D. Matigas, Elery Ann O. Pendang, Ma. Lynflora Salvador, Haniza N. Uy, Mary Niña J.