UPV Theses and Dissertations
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Item Analysis of credit card demand of UPV Faculty membersBene, Ivanhoe C. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1998-03)This research is an economic analysis of the demand for credit cards of UPV faculty members. Specifically, the research was undertaken to: describe the social and economic characteristics of existing and potential credit cardholders; estimate the credit card demand of UPV faculty and determine the significant factors affecting the demand. Logistic regression was utilized since the research is composed of a binary dependent variable which is the willingness to acquire a credit card. Results of the study revealed that 40 percent of the sampled UPV faculty members were instructors who belong to age bracket 21-28 years old. In general, the average age of a UPV faculty was 38 years old with average annual personal gross income of PhP230,000. On the other hand, 18 percent of the respondents were willing to acquire a credit card while 19 percent were credit cardholders. Deferred payment was the most common feature being used by existing cardholders while traveling was the most frequent activity in which credit card was commonly used. On the average, an existing cardholder used his/her card twice a month with an average of PhP3,530 amount of credit availed during the month and paid an average monthly finance charge of 3.25 percent. SAS output showed that; merchant acceptability, convenience and income were the significant factors affecting the demand.Item Public utility jeepney drivers in Bacolod City, Negros Occidental: Socio-economic conditions and income differentials analysisBanagodos Lorena Joy P. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1997-04)Benchmark information was sought regarding the socioeconomic conditions of jeepney drivers and their households from a sample of 111 respondents in Bacolod City, Negros Occidental. This profile focused on their socio-demographic and housing characteristics as well as their household expenditure patterns. Several aspects of the driving occupation was also discussed. Income differentials analysis was also used to determine the factors that significantly accounted for the variability in driving income. Drivers were mainly composed of married and middle-aged men, majority of whom were high school graduates. Average household size was from 4—5 members with the father—driver as the only earning family member. Income from jeepney driving accounted for over half of the monthly total household income, averaging at P4,039.73. Drivers houses were made of GI roofs, and wooden outer walls. Most of the sample personally owned their housing units but were squatting on other people's lands. Their houses were equipped with electricity for lighting, LPG for cooking, manual pumps for drinking water and exclusive waste—sealed toilets. Food accounted for over 607. of the driving households' expenditures followed by education, utilities, and medical care. Out of their expenditures, the driving households were still able to save less than 10%. of their total incomes. Operator driver households had higher expenditure levels than boundary driver households. On the average, the drivers' total expenditures were higher than the 1996 inflated food and poverty thresholds. Their income-expenditure patterns reveal a discrepancy of P1414.21 between their total household income and total household expenditures which means that drivers' households have higher chances of increasing their savings levels. Driving experience averaged at 16 years. Consisting mainly of boundary drivers, majority of the sample — fueled jeepneys. Striking rounds were mostly done during peak hours (7-9 AM, 11-1 PM, and 4-7 PM) while parking rounds were done during lean hours (9-11 AM and 1-3 PM). Drivers were largely free to choose how long and how often to work in a day or week. They drove for six days weekly and averaged nine hours per day. Passing by 10-16 schools, jeepneys which traversed four routes (Bata-Libertad, Shopping-Libertad, Banago—Libertad , and Mandalagan-Libertad jeepneys) had relatively higher mean incomes than the rest of the sample. Boundary drivers had higher reported boundary fees and lower daily incomes than operator drivers. The sample's average driving income breaks even with the daily poverty threshold for a family of six members. Only 36% had SSS memberships. Drivers largely shouldered the vulcanizing, fuel, association membership fees and traffic violation penalties of utility vehicles while operators largely assumed its expenses for vehicle-related violations, spare parts, repair, and maintenance needs.The subject-respondents considered the small volume of passengers on some routes, the high cost of penalties from traffic violations, the unscrupulous apprehensions of traffic enforcers, the proposed traffic rerouting scheme and the labor—intensiveness of the occupation as some of its most pressing problems. The postulated regression model was determined to be highly significant with an F-computed value of 7.964. The t-test and p- values, likewise, indicated four independent variables ( number of schools passed, the capacity of the vehicle, the number of strikes per day, and the type of driver) to be significant and accounted for about 397. of the variability in driving income.Item Comparative rural income distribution analysis for Brgy. Punong, Passi City and Brgy. Tubod, Bingawan, 1997Balane, Walter I.; Montemor, Ma. Reina G. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1999-03)This study was conducted in Brgy. Punong, Passi City and Brgy. Tubod, Bingawan. There were twenty four (24) respondents from Brgy. Punong, Passi City and fourty one (41) from Brgy. Tubod, Bingawan. The analytical tools include the Income Decile, Gini-Coefficient and the Lorenz Curve. It was found out that income earners belonging to deciles in Brgy. Punong, Passi City earn only 24.55% of the total annual household income earned for Brgy. Punong. While the upper deciles (6-10) earn 75.45% of the said income. On the other hand, the income earners belonging to deciles 1-5 in Brgy. Tubod, Bingawan earns 29.93% of the total annual household income earned for Brgy. Tubod, Bingawan. While the upper deciles earn 70.07% of the said income. It was observed that the income earners in the 10th decile earns 1,200% more than the income earners in the first decile in Brgy. Punong, Passi City. On the other hand, the income earners in the 10th decile earns 506% greater than the income earners in the 1st decile income earners in Region VI and Philippines earns 2.2% and 1.7% respectively. In Brgy. Punong, Passi City and Tubod, Binagawan they earn 2.3% and 4.5% of the total annual household income. The bigger percentage share the income earned by 1st decile income earners in Brgy. Tubod, Bingawan is indicative of the barangays' greater advantage vis-a-vis income distribution equality compared to that of Brgy. Punong, Passi City. It was found out that Passi City is Iloilo's highest income earner municipality. The income distribution in Brgy. Punong Grande, Passi City does not however show that high municipality income assures income equality distribution. The Gini-Coefficient ratios further justifies the indirect relationship of high municipal income earned and and income distribution equality. The Gini-ratio of Brgy. Punong, Passi City is 0.3694 while that of Brgy. Tubod, Bingawan is 0.3313. Brgy. Tubod, Bingawan's estimate indicates a greater income distribution equality compared to that of Brgy. Punong, Passi City. Consequently, in the plotting of the Lorenz Curve, the curve for Brgy. Punong, Passi City is farther form the line of perfect equality compared to the one of Brgy. Tubod, Bingawan. The Gini-ratios of the Philippines and Western Visayas in 1997 were 0.4960 and 0.4414 respectively, which are relatively higher than the estimates of the two barangays. This is believed to be caused by sectoral homogeneity, which propose the concept that in areas where there is lack of mobility in the primary source of income, households heads are given less choice to move to another sector. Since both barangays are categorized as rural, although they differ in their extent of dependence to agriculture, the populace were deprived of the choices prided to those in urban areas. Thus, there is poor variety as to sources of income, household head and therefore income itself. Using the logarithmic transformed multiple regression, the following factors were found to be affecting significantly, the distribution of annual household income in Brgy. Punong, Passi City, the number of nonhousehold member contributors (NHM) and the primary sources of income from proffesional work (PSY-PROF). For Brgy. Tubod,Bingawan, three variables resulted to be significant in affecting household income distribution namely; the number of non-household member contributor (NHM), primary sources of income from contributors (PSY-COMP) and highest educational attainment- college level (EDUC-CD). Based on the results particularly on the decile income differentials and factors affecting income differentials, it is recommended that both national and local government should give focus on economic development and not only on economic growth so that vital problems will be addressed. It is important that the government will focus on its Poverty Eradication Program on the welfare of the smallest of the Philippine barangays. It is due time to initiate and maintain community based development projects and other barangay support system to empower the building blocks of the Philippine society