Group Members: 12-ABM

Rigor, Maria Luisa- Gutierrez, Ramon Christopher C.- Galang, JasminJoye I.- Aguilar Jerald G.-
Rivera, Jamie N.- Manipon, Micah Angelie M.- Salamante, Marinell P.- Batiansila, Jalien B.- Silva, Andreana M.-

REVIEW OF RELATED LITERATURE MATRIX (SYNTHESIS MATRIX)

Title: Perception on Microfinance among Rural People of Dapdap
Research Question: What is the probability that demographic information affects the borrower's perception about microfinance?

Main Idea Source 1 Source 2 Source 3 Source 4 Source 5 Source 6 Source 7 Source 8 Source 9

Small change, Big Microfinance and Relationship Microfinance: Do Socioeconomic Education and Women and In what Age can No Age limit in
changes: Women Education between the micro-loans status of microfinance: an Repayment in you get a Loan? accessing Micro
and Microfinance Demographic contribute to the borrowers alternative Microfinance finance loans
(No Author) Characteristics and well-being of the approach to the Moss Strohem
Juan Somavia 2016 Loan people or do they (No Author) empowerment of Roy Mersland Providence Obuh
2007 Performance leave them even September 2016 the poor people in March 2009 Oct.15 2009
Article poorer due to high Indonesia July 27 2015
Academic Leboo Eric Kosen interest rates? Journal Academic Literature Article
Literature http://www.unitef 2011 Article
orsight.org/health- Julia Kurnia, 2012 https://www.habit Springerplus, 2015 https://www.saplin
Demographic http://www.ilo.org education/module Academic at.org/sites/defaul https://www.google g.com/5533843/age https://www.van
characteristic /wcmsp5/groups/p 6 Literature Academic t/files/state-of- Article .com/url?sa=t&sour -can-loan guardngr.com/20
of borrowers ublic/@dgreports/ Literature hmf-report- ce=web&rct=j&url= 15/07/no-age-
@gender/docume http://erepository. english.pdf https://papers.ssrn. limit-for-
Income
nts/meetingdocum uonbi.ac.ke/bitstre https://www.quor https://www.ncbi.nl com/sol3/papers.cf accessing-micro-
Education
Age ent/wcms_091581. am/handle/11295/ a.com/Microfinanc m.nih.gov/pmc/arti m%3Fabstract_id%3 finance-loans/
Gender pdf 59585/The%20Effe e-Do-the-micro- cles/PMC4463954/ D1711396&ved=0ah
ct%20Of%20Demo loans-contribute- UKEwi3gd25vc_WA (Salamante,
graphic%20Charact to-the-well-being- hUMI5QKHR71BfEQ Marinell P.)
(Gutierrez, Ramon eristics%20On%20 of-the-people-or- (Rivera, Jamie N.) (Silva, Andreana) FghEMAY&usg=AOv
(Rigor, Maria Luisa) Christopher C.) Loan%20Performa do-they-leave- Vaw21P1o0OQRCEb
nce%20of%20Com them-even-poorer- hOOlW6BrlZ (Batiansila, Jalien
mercial%20Banks% due-to-high- B.)
20in%20Kenya.pdf interest-rates (Manipon,
?sequence=3 MicahAngelie)

(Galang,
JasminJoye I.) (Aguilar, Jerald G.)
 Microfinance on Because education According to Microfinance has The appeal of There is good This paper analyzes Age can be a factor There is no age
the other hand enables individuals Nguyen (2007) helped many microfinance to reason to combine gender-differences when there is a limit for accessing
often targets to develop most banks people rise above low-income education with with respect to need to borrow loans from Micro-
women, in some entrepreneurial consider favorably poverty and borrowers derives microcredit for microfinance money. While there finance Banks
cases exclusively. skills, a joint borrowers who are transform their from their poverty alleviation repayment-rates is no limit to how (MfBs) as is
Female clients venture of more lives for the better. unbankable in the poor using a old a person can be perceived by
represent microfinance and educated as they Ive known status. Most are communities of the large global dataset to borrow, there are entrepreneurs
eighty-five percent education will be are able to countless self-employed, developing world, covering 350 limits as to how old who intend
of the poorest more effective communicate well households who operating a small including in Microfinance you must be. The getting one for
microfinance than a with the bank on have used business that does Indonesia. Poverty Institutions (MFIs) formal process of their micro, small
clients reached . microfinance their status than microloans to not always provide is dangerous, it in 70 countries. . borrowing money or medium
Therefore, program in borrowers with permanently steady or reliable deprives people of These findings requires a written enterprises.
targeting women isolation.. low education increase their cash income. When their right to confirm common agreement. Loans Vanguard findings
borrowers level. Indeed bank incomes, which are looking at the education, their believes that which are made by have shown that
makes sense from borrowers with then used for survey right to good health, women in general signed agreements as long as you are
a public policy high level of longer and better respondents, self- their right to are a better credit- between two economically
standpoint. The education are able education for the employed freedom of speech, risk for MFIs. parties--a lender active, you can
business case for to deal with bank families children borrowers make their right to Interaction effects and a borrower--can access loan from
focusing on female documentation as well as up, on average, democracy, their reveal that only be entered into any MfB of your
clients is and requirement in improving health Demographics of right to financial the effect is if each party is choice, as is
Demographic substantial, an effective and nutrition. I housing services and of stronger for NGOs, legally permitted to reposed upon
characteristic as women clients manner and to believe this type of microfinance course their right to individual-based enter into a them to serve
of
register higher reschedule their successful borrowers knowledge lenders, finance contract. If either those at the
respondents
repayment rates. loans in cases of outcome is the Demographic enhancement, plus-providers and party is not legal, bottom of the
Income They also change of most common indicators Rural which are all crucial regulated MFIs. the contract is not pyramid.
Education contribute larger situations that result of a 43% Female 40% to living a better binding. The legal
Age portions of their affect their microfinance loan. 53% Self-employed life. We must age in nearly all
Gender income to ability to service 55% Page 14 I The therefore, provide states is 18.
household their loans State of Housing services beyond,
consumption than appropriately Microfinance 73 credits for the poor.
their male percent of the In this case,
counterparts. clients of the education should be
There is thus a overall portfolio included to each
strong business and 55 percent of and every
and public policy the housing development
case for targeting microfinance agenda for the poor
female borrowers. portfolios clients. since it is key to any
positive change and
sustainable
development of
people.
Main Idea Source 1 Source 2 Source 3 Source 4 Source 5 Source 6 Source 7 Source 8 Source 9

Perceptions of The perception of .The Impact Of Perception of the Perceptions Perceptions of The Advantages of Perceptions Over-
Microfinance in micro finance loan Institutional In Impact of towards microfinance Borrowing from Towardws indebtedness in
Cameroon borrowers on the Latin American Microfinance on Microfinance in Microlending Microfinance in the Philippines:
effects of loans on Microfinance On Livelihood Philipppines Christiane Magnido Institutions Pakistan Clients
Ian Long their businesses Its Borrowers Security 2009 Perceptions
October 1, 2009 and as a poverty Derick Gomez Global Dominion Kamran Ahmed
alleviation tool Jenna Nelson Eoin Wrenn, 2007 June 2012 Finance Siddiqui Johan Diaz and
Academic 2013 Academic Literature 2011 2012 Jesila M.
Literature Maghanga- Academic Article December 2011
mtuweta, F M Article Literature http://digitalcollecti Article Journal
http://digitalcollec 2007-09 https://www.resea ons.sit.edu/cgi/view Academic
tions.sit.edu/cgi/vi https://eaglefeath When looking at rchgate.net/public content.cgi?article= https://papers.ssrn. Literature
Perceived ewcontent.cgi?arti http://erepository. er.honors.unt.edu/ the survey ation/256493439_ 1731&context=isp_c http://www.gdfi.co com/sol3/papers.cf
Effects of cle=1731&context uonbi.ac.ke/handle 2013/article/286#. respondents, self- Perceptions_towar ollection m.ph/the- m?abstract_id=2449 http://www.micr
Borrowers =isp_collection /11295/7426 Wc5y7luCxdg employed ds_Microfinance_i advantages-of- 133 osave.net/files/pd
borrowers make n_Philippines (Silva, Andreana) borrowing-from- f/Over_indebtedn
Impact up, on average, microlending- (Salamante, ess_In_The_Philip
Advantages (Galang, Demographics of institution Marinell P.) pines_Clients_Per
Skills (Gutierrez, Ramon JasminJoye I.) housing (Rivera, Jamie N.) ceptions.pdf
(Rigor, Maria Luisa) Christopher C.) microfinance
borrowers
Demographic (Manipon,
indicators Rural MicahAngelie)
43% Female 40% (Batiansila, Jalien
53% Self-employed B.)
55% Page 14 The
State of Housing
Microfinance 73
percent of the
clients of the
overall portfolio
and 55 percent of
the housing
microfinance
portfolios clients.

(Aguilar, Jerald G.)

 While poverty The study also Microfinance The training People normally One impact study of Microloans help Rural people have The most
alleviation is established that provides poor provided by all perceive a microfinance create many job perception that common reason
perhaps the most the interest charge entrepreneurs with three partners has microfinance as an institution in opportunities they are taking loan cited for
clear perceived on MFI loans was access to credit. had a major impact ideal solution to Uganda found that because of the more as compare to borrowing from
benefit of perceived to have The borrowers use on the the economic the households of number of urban people but in an MFI is the
microfinance very little effect on these microloans human capital of problems for the clients were able to businesses being reality its presence of a
in the world today, the performance of to create or clients. The developing invest more money put up. This has a erroneous. On the broad range of
many other claims the businesses. expand their majority of clients countries and it in education than favorable impact on other hands urban products to meet
have been made The study businesses, with stated that the has been cited as a were the household the local economy. people have the varying needs
regarding its concludes that the the goal of training helpful instrument of non-clients, as perception that of the clients.
indirect benefits. It loans advanced by achieving financial has helped them to for poverty the resources to do Because of they are not taking These products
is MFI are perceived self-sufficiency at a manage their reduction. In so were more microlending, many loan as compare to include loan,
widely believed, to have a positive reasonable income businesses better contrast readily available to areas have rural people but in savings and
for instance, that effect on the level. The purpose and that they feel microfinance them. improved their reality urban people insurance.
microfinance is an businesses and as of microfinance is more conident as a institutions do not economy and it led are taking much Maganda ang
influential force in a poverty to create stable result of the always respond to better access to more loan than layunin ng
the empowerment alleviation tool. microenterprises training. All were well and are clean water and rural people. There organisasyon.
of that economically very enthusiastic unable to achieve improved is also vast Nandyan na lahat
Perceived women in society. and socially benefit about this impact their both social sanitation. Access to perception gap ng pagkakataon
Effects of It is believed by the borrowers, on their lives. They and profit making health care is also existing in urban para umasenso.
Borrowers many that women their families, and are more goals. It is a much wider. and rural people Marami
with access to their communities comfortable perception of the about microfinance silang mga
Impact financial services running a people that loan usage. produkto na
Advantages are business and microfinance pwede naming
Skills likely to make managing money necessarily gamitin para
financial decisions now, than they chooses profit umasenso sa
benefiting their were prior to making rather than buhay.
entire families, receiving poverty alleviation. Another client
Other perceived their training. remarked,
benefits to maraming
microfinance mapagpipiliang
borrowers include produkto kagaya
increased ng housing kung
education levels magaling kang
and improvements magbayad.
in quality of health. From above client
quotes, we find a
variety of needs.