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UPV Theses and Dissertations

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1998 - 19995

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Committee Chair: search.filters.chair.Subade, Rodelio F.Degree: search.filters.degree.Bachelor of Arts in Economics and Management

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    Analysis of credit card demand of UPV Faculty members
    Bene, 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.
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    Socio-economic analysis of municipal fishing in selected barangays of Banate, Iloilo
    Bayani, Marie Joy G. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1999-03)
    The main objectives of the study were to determine the social and economic characteristics of municipal fishermen, costs structure, profitability level, and problems encountered by municipal fishermen in Banate Iloilo. The study made used of cost and return analysis to determine the economic condition of the respondents. This study covered the municipal fishermen of selected barangays of Banate, Iloilo. The study was dependent on the data given by the respondents and not all data maybe reliable. The assumption that changes in effort and adjustment in fishing stocks were taken into consideration. The findings of the study showed that 93.75 % of the fisherman respondents were dependent on fishing for their livelihood. All the fishermen except the hook and line operators could not be considered as absolute poor as their income compared to the poverty threshold. The cost and return analysis of the study showed that fish corral operators incurred the lowest opportunity cost, which amounted to PHP 31.47, while crab pots registered the highest opportunity cost of PHP 48.39. Set gillnet incurred the highest variable cost of PHP 80.62 per trip. Crab pot incurred the highest fixed cost, which amounted to PHP 56 0 per trip. In profit, crab pot incurred the highest gross profit with PHP 380.58, and hook and line registered the lowest gross profit of PHP 1.30 per trip. As expected, the crab pot incurred the highest net profit of PHP 276. 19 per trip. Moreover, in all profitability indices, crab pot, push net, and set the gillnet posted positive receipts. Fish corral and hook and line incurred negative profitability indices. The variations in the results can be attributed to the difference in gears used by the respondents, average trip per week, average hour per trip, percentage of motorized and non-motorized boats, and the average volume of catch per trip. The most common problem faced by the respondents was the presence of illegal fishing in their area. In line with the goals to increase the productivity and welfare of the small-scale fishermen in Banate, the government should give support and assistance in order to upgrade the living conditions of the municipal fishermen.
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    Costs and returns analysis of municipal hook and line fisheries in selected coastal barangays of Hamtic, Antique
    Baldevia, Joan R. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1998-03)
    This paper aims to determine the social and economic conditions of municipal hook and line fishermen; the cost structure of the hook and line fishing method; the profitability level of the municipal hook and line fishermen; the sharing system employed in the municipal hook and line fishery; and to identify the problems of the municipal hook and line fishermen. The study utilized the cost and return analysis. The limitation of this kind of analysis is the assumption that changes in effort and adjustment in fish stocks are taking place simultaneously. The percentage and average analysis failed to take full consideration of the time element of the study since it was based at a "one-shot" interview. The locale of the study are the selected coastal barangays of Hamtic, Antique namely Brgy. Caridad, Mapatag and Asluman. Any conclusions in this study is only applicable to the area concerned by this fishing gear and does not apply to other fishing grounds. Findings of the study showed that the average income of the municipal household was PhP 4168 which was below the average monthly income in Region VI which was PhP 5339.8. They can not be considered absolutely poor however because their average monthly income was still higher to the regional poverty threshold which was PhP 8197/year. Food was the biggest cost outlay of the municipal household which accounted for 68% of the total household expenses. In terms of cost structure, variable cost accounted for 84% of the total cost per trip. This showed that in every fishing trip, the fishermen needs to have enough money to cover its operating expenses. The small percentage of the total fixed cost relative to the total cost shows the level of mobility of the fishing unit to move to another gear type or even to another market of the fishing industry. Labor cost accounted for 48% to total cost per trip which showed how labor intensive is the hook and line fishing method. The opportunity cost, on the other hand, accounted for 13% of the total cost per trip. Almost all indices of profitability posted a negative values. This negative economic profit indicate a definite evidence of economic overfishing. It also indicate that the fishermen should seriously rethink their position in the fishing industry. The differences in findings of the study among the three sample barangays can be attributed to three important variables. First, is the average hour/trip and the average trip/per week. Since this is a per trip analysis, this had an implication on all variables. Secondly, is the number of motorized boats per barangay. Motorized boats have a higher depreciation cost, opportunity cost of owned capital and running cost. Third, would be the number of boats with crewmen/operators per barangay. This reflect the percentage of the respondents with a sharing system and this would entail a higher labor cost and consequently to total cost per barangay. The sharing system was flexible as evidenced by the different sharing arrangement between Brgy. Mapatag which had a 50-50 sharing arrangement compared to Brgy. Asluman and Caridad which was 60-40. The primary problem of the municipal fishermen was the presence of big fishing vessels like the baby purse seiner. Other problems mentioned were the illegal fishing operations like trawling which operate during the night, lack of capital for repair and maintenance and bad weather conditions. The improvement of the socioeconomic conditions of the fishermen should call for a general improvement of the environment in which they operate. The recommendations of the study asserts that the government should develop additional employment opportunities outside the fishery sector. Fishing effort should be controlled by regulation of entry in terms of number of boats or gears employed because of economic overfishing. Large scale fishing like the baby purse seiner should be regulated and trawling be effectively prohibited to increase the resource base of the small-scale fishery. A clear boundary line should then be put up to avoid encroachment of the big fishing vessels to the municipal waters.
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    Comparative rural income distribution analysis for Brgy. Punong, Passi City and Brgy. Tubod, Bingawan, 1997
    Balane, 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
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    Structural transformation of the labor force and changes in employment conditions: The case of Aklan
    Baco, Hazel Mae B.; Cabello, Mary Ann S. (Division of Social Sciences, College of Arts and Sciences, University of the Philippines Visayas, 1999-03)
    This paper attempts to identify trends in employment conditions and structural changes in the labor force in the province of Aklan. The trends in employment conditions and status of the labor force in Aklan is measured by five major data sets gathered from the National Statistics Office (NSO) and National Statistics Coordinating Board (NSCB). These are unemployment, underemployment and employment by economic sector, by class of workers, by major occupation group, and by major industry group. The results of this study show that Aklan remains largely agricultural and employment conditions were stagnant, but there were signs pointing to the gradual shift of economic activities from agriculture toward manufacturing and services Empirical results are interpreted using theories of structural change. The limitations of the empirical findings owing to problems in the data set as well as the policy implications of the findings are discussed.