Research Methodology
This chapter details out the research methodology for the present study.it
explains the research design, the subject of the study, the data gathering
instrument, the data gathering procedure, and the statistical treatment used in
data analysis.
Research Design
The main purpose of the study is to determine the effects of Credit Risk
able to gather the necessary data, the researchers utilize descriptive method,
collecting of data in order to answer the questions concerning the status of the
aims to know the effects of Credit Risk Management to the Financial Stability of
Lipa City. This may include managers and owners of the entities. Based on the
information gathered by the researchers from the Business Permit and Licensing
2018. The researchers decided to include all the lending institutions for them to
gather all the possible information and to have an assurance since there are only
few considerable amount of lending institutions in Lipa City. The list of target
lending institutions was presented in Appendix A of the study which comes from
confidentiality issues.
the lending institutions. Table 1 presents the profile of the partisipants in terms of
length of operation.
the Lending Companies Regulation Act of 2007 (RA 9474) that requires lending
IYON?
For effective and flawless data collection, survey method was used.
Survey is the most extensively used method for data collection. In order to
The five point scale scoring was used to quantify the assessment of the
this study. It is composed of two parts: the profile of the business and main
problem that is divided into four parts. Included in the second part are the
The first step undertaken by the researchers was to ask for the adviser’s
gathered information from books and other research materials to obtain essential
and accurate data about the problem being investigated. The same materials
were also used to arrive at a conceptual framework and to develop the survey
questionnaire for the study. The researchers visited and gathered information
from the library and they also used the undergraduate thesis, which served as a
guide for the construction of the research. The researchers then obtain a list of
lending institutions in Lipa City from the Business Permit and Licenses Office
(BPLO). The drafting of the questionnaire was immediately followed and checked
by the adviser.
The data gathered were tallied, tabulated, analyzed and statistically treated to
COMPUTATION