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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 %
Distribution of Respondents
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 %
Distribution of Respondents
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
Usage(negative) 1.99 0.144 Accept H0
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
Confidenceand Security 5.36 0.001 Reject H0
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
Usage(negative) 1.29 0.283 Accept H0
No signifi
relations
Credit
RecoveryBehaviors
0.50 0.738 Accept H0 No signifirelations
Relationship between the Monthly Income
of the Respondents and their Credit Behavio
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Total Credit
Limit
f P valu e Decision InterpretatFinancial
Independence 3.74 0.008 Reject H0 SignificantrelationshipFinancial
Confidenceand Security 6.27 0.000 Reject H0
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
of the Respondents and their Credit Behavio
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