Académique Documents
Professionnel Documents
Culture Documents
RESEARCH METHODOLOGY
This chapter provides information about the research methods being used throughout the
study. The methods being used aims to gather enough information from existing Credit
Guarantee Schemes and/or Credit Providers to be able to propose an enlightened framework for
The first part of this chapter discusses the environment in which the study is conducted. It
will be followed by research subject then followed by the research instrument used for the study
that helps the researchers to obtain important the data to be used in the study. And Lastly, the end
of this chapter shows the research procedures that highlights data gathering process and how
Research Environment
The study aims to give enlightened framework for an effective Credit Guarantee Program
in Metro Cebu which is a booming metropolitan and has been known to be the fastest growing
large city in the nation in terms of annual economic growth. The study will identify existing
Credit Guarantee Schemes that are currently in Metro Cebu and to conduct a study in this
environment.
MSMEs compose the largest population and is the biggest employer sector thus making it
play a vital role in reducing poverty, creating jobs, and promoting inclusive economic growth in
Metro Cebu. Even with this large population and how greatly it affects the economic growth
therein, MSMEs in Metro Cebu had remained fragile, immature and undeveloped. MSMEs in the
area still have not realize their full potential and have not enhance their competitiveness in the
industry. The study will then cater on existing Credit Guarantee Schemes listed in Bangko
Sentral ng Pilipinas which plays an important role in part in helping MSMEs achieve their full
potential and making them be able to compete even with larger enterprises throughout Metro
Cebu. This would then lead the researchers to propose an enlightened framework for an effective
Research Respondents
The researchers discuss the sampling method to be applied and the selected respondents
in their study.
analysis in which a predetermined number of observations from the respondent that will be taken
from a larger population of respondents. In selecting the Sample, the researchers find it
impossible for them to get hold of the total population of the credit providers in Metro Cebu
since even the Government does not have a master list of those credit providers.
Accordingly, the researchers have determined that the samples will be taken from the five
(5) Credit Guarantee Schemes in Metro Cebu that are listed in the Bangko Sentral ng Pilipinas
(BSP). The researchers made sure that the sample size taken from the population of respondents
would obtain enough information to represent the whole population. Even though there are
numerous other Credit Provider, the researchers selected five (5) Credit Guarantee Schemes
taken from the BSP which are the most known and used Credit Guarantee Providers of MSMEs
Research Instrument
The research instrument to be used by the researchers are Questionnaires. The researchers
determined five credit providers in Metro Cebu namely Credit Surety Fund (CSF), Quedancor,
Small Business Corporation (Sgbfc), PhilExim and The Industrial Guarantee and Loan Fund
(IGLF).
Guarantors in Metro Cebu with a choice of answers, devised for the purposes of a survey or
statistical study. The questionnaires compose of three parts which will examine the problems
Profiles of Credit Guarantee. The first part determines the demographic information of
the Credit Guarantee providers distinguishing the name of the institution, type of institution,
affiliations, years in operation, name of Credit Guarantee Scheme for MSMEs, number of
employees handling in Metro Cebu, clients, sectors to fund and reasons to give credit guarantee.
Credit Guarantee Practices. The second part looks into the practices of the Credit
Guarantee Scheme which overviews the Guarantee Fund Models that composes of Enterprise-
Oriented Guarantee Funds, Ex-Ante Guarantee Schemes, Ex- Post Guarantee Schemes, Funded
Scheme, Individual Guarantee Scheme, Institution- Oriented Guarantee Fund, Mutual Guarantee
Constraints. The third part of the questionnaire goes over the constraints experienced by
the Credit Guarantee Scheme. The constraints will be identified if it will happen before the
Credit Guarantee is obtain or if it will happen during the duration of the Credit Guarantee or after
the Credit Guarantee is being given to the borrower of the fund. Using the material, this will help
the researchers gather information and gives the researchers data to be analyzed and interpreted
Interview. This seeks to describe and to further understand the meanings of the subject.
Its main task is to understand the meaning of what the respondents say. These tool is useful for
getting the story behind a participants experiences. The researchers can pursue in-depth
information around the topic and are useful as follow-up to certain respondents to further gain
Research Procedures
Data collection: The researchers selected Credit Guarantee Schemes which are obtained
from the list of Bangko Sentral ng Pilipinas (BSP). From these selected Credit Guarantee
Schemes, the researchers have decided to give questionnaires to obtain the needed information
and will be followed up by interview in order to further investigate and gather more important
information.
Data Analysis. The researchers will analyze the data from the questionnaires and
interview using qualitative and quantitative data analysis, respectively.
The ordinal data collected from the questionnaires are then being tabulated from the data
variables in the data. The researcher has then decided to use frequency distribution on the results
of the questionnaires given to the respondents and would then use narrative on the result of the
interview given.