POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 34

Appendices

Statistical Techniques Formula (mga formula saka tavle sa chapter 3)

Tables
1. Profile of Respondents

1.1 Sex
Table 1
Frequency and Percentage Distribution of the Respondents According to their Sex

SEX Frequency Percentage (%)

Female 272 93.8
Male 18 6.2
Total 290 100.0
1.2 Age
Table 2
Frequency and Percentage Distribution of the Respondents According to their Age

AGE Frequency Percentage (%)

18-25 12 4.1
26-30 15 5.2
31-35 28 9.7
36-40 43 14.8
41-45 44 15.2
46-50 53 18.3
Older than 50 96 33.1
Total 290 100.0

1.3 Civil Status

Table 3
Frequency and Percentage Distribution of the Respondents According to their Civil
Status

CIVIL STATUS Frequency Percentage (%)

Married 212 73.1
Separated 7 2.4
Single 53 18.3
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 35

Widower 18 6.2
Total 290 100.0

1.4 Educational Attainment

Table 4
Frequency and Percentage Distribution of the Respondents According to their
Education

EDUCATION Frequency Percentage (%)

College Graduate 22 7.6

College Level 58 20.0
Elementary 18 6.2
High School Graduate 79 27.2
High School Level 99 34.1
Illiterate 2 .7
Vocational/Technical 12 4.1
Total 290 100.0

1.5 Occupation

Table 5
Frequency and Percentage Distribution of the Respondents According to their
Occupation

OCCUPATION Frequency Percentage (%)

Government Employed 24 8.3
Housewife 65 22.4
Manages Family-Owned Business 49 16.9
Private Employed 6 2.1
Self-Employed 128 44.1
Unemployed 18 6.2
Total 290 100.0

1.6 Source/s of Income

Table 6
Frequency and Percentage Distribution of the Respondents According to their Source
of Income
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 36

SOURCE OF INCOME Frequency Percentage (%)

Employment 59 20.3
Family-Owned Business 70 24.1
Investment 1 .3
Others 37 12.8
Self-Employment 123 42.4
Total 290 100.0

1.7 Household Size

Table 7
Frequency and Percentage Distribution of the Respondents According to their
Household Size

Household Size Frequency Percentage (%)

3-4 Size 83 28.6
5-6 Size 117 40.3
7-8 Size 37 12.8
Below 2 Size 34 11.7
More Than 8 Size 19 6.6
Total 290 100.0

1.8 Gross Household Income

Table 8
Frequency and Percentage Distribution of the Respondents According to their Gross
Household Monthly Income

GROSS HOUSEHOLD MONTHLY INCOME Frequency Percentage (%)

10 000 and below 77 26.6

10 001 - 15 000 97 33.4
15 001 - 20 000 53 18.3
20 001 - 25 000 26 9.0
25 001 - 30 000 16 5.5
More than 30 000 21 7.2
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 37

Total 290 100.0

2. Status of the respondents as member of KGI Malate-Tondo Branch

2.1 Length of Membership

Table 9
Frequency and Percentage Distribution of the Respondents According to their Year
Joined in KGI

Year Joined KGI Frequency Percentage (%)

1-2 Years 78 26.9
3-4 Years 42 14.5
5-6 Years 29 10.0
7-8 Years 22 7.6
9 and above 52 17.9
Less than a Year 67 23.1
Total 290 100.0

2.2 Availed Services

2.2.1 Savings and Loans

Table 10
Frequency and Percentage Distribution of the Respondents According to their Services
Availed from KGI

Responses
Services Availed from KGI Percent of Cases
Frequency Percentage
Savings: Capital Build Up 171 17.05% 60.0%
Savings: Personal Savings Fund 261 26.02% 91.6%
Loans: Group Leading Program 188 18.64% 66.0%
Loans: Individual Leading Program 98 9.77% 34.4%
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 38

Insurance 285 28.41% 100%

Total 1003 100.0% 251.9%

Valid 285 98.3%

100.0%
Missing 5 1.7%

2.2.2Trainings

Table 11
Frequency and Percentage Distribution of the Respondents According to their
Trainings

Trainings Frequency Percentage (%)

1-2 Trainings 234 80.7
3-4 Trainings 37 12.8
5-6 Trainings 5 1.7
7 or more 14 4.8
Total 290 100.0

3. Extent of the Social Impact of the Services Provided by KGI Malate-Tondo

Branch as Assessed by the Borrowers

3.1Safety/security of Life and Property

Table 12
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Social Condition of its Member – Safety/Security of Life and Property
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 39

Very Strong Impact

Moderate Impact

Strong Impact
Weak Impact
No Impact
Social Impact:
Weighted
Safety/Security of Verbal Interpretation
Mean
Life and Property

Frequency
Able to send children
5 2 33 89 161 4.38 Strong Impact
to school
Family having access
to basic health service/ 3 4 37 122 124 4.24 Strong Impact
sanitation
Secure insurance
1 2 31 104 152 4.39 Strong Impact
services
Careful planning,
identifying problems 1 2 43 108 136 4.30 Strong Impact
and finding solutions
Feel peace with
0 6 39 104 141 4.31 Strong Impact
oneself
Overall Mean 4.32 Strong Impact

3.2 Food security

Table 13
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Social Condition of its Member – Food Security
Very Strong Impact
Moderate Impact

Strong Impact
Weak Impact
No Impact

Social Impact: Food Weighted

Verbal Interpretation
Security Mean

Frequency
Adequate Food Supply 3 3 33 86 165 4.40 Strong Impact

Acquire nutritious food

1 4 35 113 137 4.31 Strong Impact
for family

More health conscious 2 5 51 113 119 4.18 Strong Impact

13
Improve Attitude 1 2 42 114 4.28 Strong Impact
1
Appreciate the quality of
2 0 31 112 145 4.37 Strong Impact
life
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 40

Overall Mean 4.31 Strong Impact

3.3 Social Status

Table 14
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Social Condition of its Member – Social Status

Very Strong Impact

Moderate Impact

Strong Impact
Weak Impact
No Impact
Social Impact: Social Weighted
Verbal Interpretation
Status Mean

Frequency

Capable of owning a house 4 14 51 94 127 4.12 Strong Impact

Happy family for having

1 3 36 111 139 4.32 Strong Impact
enough time
Gain better respect and
1 1 31 110 147 4.38 Strong Impact
sense of importance
Self-propelling and forward
1 3 33 111 142 4.34 Strong Impact
looking
Improve sense of
1 3 25 110 151 4.40 Strong Impact
responsibility
Overall Mean 4.32 Strong Impact
4. Extent of the Economic Impact of the Services Provided by KGI MalateTondo
Branch as Assessed by the Borrowers

4.1 Industrial Productivity

Table 15
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Economic Condition of its Member – Industrial Productivity
Very Strong Impact
Moderate Impact

Strong Impact
Weak Impact
No Impact

Economic Impact:
Industrial Weighted Mean Verbal Interpretation
Productivity

Frequency
Enable to buy more 4 5 53 130 98 4.08 Strong Impact
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 41

Business improvement 2 8 64 131 85 4.00 Strong Impact

Learn importance of
2 8 60 127 93 4.04 Strong Impact
quality production
Increase purchasing
2 13 61 124 90 3.99 Strong Impact
power of money
Help untimely needs
2 9 56 122 101 4.07 Strong Impact
like emergency
Overall Mean 4.04 Strong Impact

4.2 Increase in Financial Capability

Table 16
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Economic Condition of its Member – Increase Market Share

Very Strong Impact

Moderate Impact

Strong Impact
Weak Impact
No Impact

Economic Impact:
Weighted
Increase in Financial Verbal Interpretation
Mean
Capability

Frequency
Increase in capital 1 7 50 126 106 4.13 Strong Impact
Sufficient business budget 3 3 68 124 92 4.03 Strong Impact
Easy access to market 2 7 71 119 91 4.00 Strong Impact
More systematic financial
2 6 74 117 91 4.00 Strong Impact
budgeting
Increase income 1 5 60 122 102 4.10 Strong Impact
Overall Mean 4.05 Strong Impact
4.3 Economic Status

Table 17
Frequency and Percentage Distribution: Contribution of Kazama Grameen to the
Improvement of Economic Condition of its Member – Economic Status
Very Strong Impact
Moderate Impact

Strong Impact
Weak Impact
No Impact

Economic Impact:
Weighted Mean Verbal Interpretation
Economic Status

Frequency
Generate employment 8 26 57 103 96 3.87 Strong Impact
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 42

Acquisition of additional
4 14 61 115 96 3.98 Strong Impact
equipment
Improve facilities like
telecommunication,
3 16 65 116 90 3.94 Strong Impact
electrical and water
services
Address financial problems
5 14 68 106 97 3.95 Strong Impact
promptly

Increase sense of security 3 6 68 114 99 4.03 Strong Impact

Overall Mean 3.96 Strong Impact

5. Significant Difference on the Respondents’ Assessment on the Users’

Satisfaction on Mobile Wallet Platforms When They are Grouped According to
Their Profile

5.1 Sex

Table 18
Independent Sample t-test: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social and Economic
Condition of its Member when Grouped According to their Sex

Indicators Sex Mean T-Value P-Value Decision Remarks

Social Male 4.14

-.816 0.42 Retain Ho Not Significant
Impact Female 4.33
Economic Male 3.81
-1.23 .22 Retain Ho Not Significant
Impact Female 4.03

5.2 Age

Table 19
One-Way Analysis of Variance: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social and Economic
Condition of its Member when Grouped According to their Age

Indicators Age Mean F Value P Value Decision Remarks

18-25 4.41
Social Impact 26-30 4.08 0.95 0.46 Retain Ho Not Significant
31-35 4.29
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 43

36-40 4.20
41-45 4.34
46-50 4.32
Older than 50 4.39
18-25 4.15
26-30 3.90
31-35 4.00
Economic Impact 36-40 3.96 1.12 0.35 Retain Ho Not Significant
41-45 3.90
46-50 3.91
Older than 50 4.16

5.3 Civil Status

Table 20

One-Way Analysis of Variance: Comparison on Respondents’ Assessment

on the Contribution of Kazama Grameen to the Improvement of Social and
Economic Condition of its Member when Grouped According to their Civil
Status

Indicators Civil Status Mean F Value P Value Decision Remarks

Single 4.15
Married 4.36
Social Impact 1.52 0.21 Retain Ho Not Significant
Widower 4.32
Separated 4.28
Single 3.99
Married 4.01
Economic Impact Widower 0.28 0.84 Retain Ho Not Significant
4.15
Separated 4.13
5.4 Educational Attainment

Table 21
One-Way Analysis of Variance: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social and Economic
Condition of its Member when Grouped According to their Education

Indicators Education Mean F Value P Value Decision Remarks

 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 44

Illiterate 4.43
Elementary 4.18
High School Level 4.32
Social Impact High School Graduate 4.31 0.90 0.49 Retain Ho Not Significant
College Level 4.44
College Graduate 4.14
Vocational/Technical 4.24
Illiterate 3.87
Elementary 4.24
High School Level 3.94
Economic High School Graduate 3.90 1.69 0.12 Retain Ho Not Significant
Impact
College Level 4.20
College Graduate 3.97
Vocational/Technical 4.24

5.5 Occupation

Table 22

One-Way Analysis of Variance: Comparison on Respondents’ Assessment

on the Contribution of Kazama Grameen to the Improvement of Social
Condition of its Member when Grouped According to their Occupation

Indicators Occupation Mean F Value P Value Decision Remarks

Government Employed 4.36

Private Employed 4.54
Self-Employed 4.28
Social Not
Professional 3.13 1.64 0.14 Retain Ho
Impact Significant
Manages Family-Owned Business 4.47
Housewife 4.31
Unemployed 4.13
Government Employed 4.16
Private Employed 4.23
Self-Employed 3.88
Economic Professional 3.93 Not
1.73 0.11 Retain Ho
Impact Significant
Manages Family-Owned Business 4.24
Housewife 4.04
Unemployed 4.05

5.6 Household Size

Table 23
One-Way Analysis of Variance: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social Condition of its Member
when Grouped According to their Household Size
 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 45

Indicators Household Size Mean F Value P Value Decision Remarks

Below 2 Size 4.31

3-4 Size 4.24
Social
5-6 Size 4.37 0.54 0.71 Retain Ho Not Significant
Impact
7-8 Size 4.30
More than 8 Size 4.38
Below 2 Size 4.18
3-4 Size 3.99
Economic 5-6 Size 3.93
1.15 0.33 Retain Ho Not Significant
Impact 7-8 Size 4.07
More than 8 Size 4.20

5.7 Source of Income

Table 24
One-Way Analysis of Variance: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social Condition of its Member
when Grouped According to their Source of Income

Indicators Source of Income Mean F Value P Value Decision Remarks

Employment 4.42
Self-Employment 4.20
Social Professional Fees 4.50
3.63 0.01 Reject Ho Significant
Impact Family-Owned Business 4.73
Investment 4.17
Others 4.32
Employment 4.06
Self-Employment 3.80
Economic Professional Fees 4.35
7.37 0.00 Reject Ho Significant
Impact Family-Owned Business 5.00
Investment 3.98
Others 3.91

5.8 Gross Household Monthly Income

 POLYTECHNIC UNIVERSITY OF THE PHILIPPINES 46

Table 25
One-Way Analysis of Variance: Comparison on Respondents’ Assessment on the
Contribution of Kazama Grameen to the Improvement of Social Condition of its Member
when Grouped According to their Gross Household Monthly Income

Gross Household
Indicators Mean F Value P Value Decision Remarks
Monthly Income

10 000 and below 4.15

10 001 - 15 000 4.24
Social 15 001- 20 000 4.33
5.75 0.00 Reject Ho Significant
Impact 20 001 - 25 000 4.59
25 001 - 30 000 4.60
More than 30 000 4.75
10 000 and below 3.87
10 001 - 15 000 3.82
15 001- 20 000 4.03
Economic
20 001 - 25 000 4.41 7.87 0.00 Reject Ho Significant
Impact
25 001 - 30 000 4.38
More than 30 000 4.62

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