Preliminary
Summary Results
Survey Period:
February 15 – 17, 2012
Interviewer: Eric Leocadio
Total
Respondents: 40
Group
A: Gumalang, Baguio, Davao City (18)
Group
B: Subasta, Calinan, Davao City (3)
Group
C: Tawantawan, Baguio, Davao City (5)
Group
D/E: Basiawan, Santa Maria, Davao del Sur
(14)
Gender/Age:
Male:
19 respondents
Female:
21 respondents
Age
Range: 38 – 69 years old
Average
Age: 53 years old
History
of Borrowing: 85% of Respondents (34)
Average
Loan Amount: 13,191.18 P
Loan
Greater Than 10,000P 50% of those with history (17)
Loan
Less Than 10,000P 50% of those with history (17)
Average
Interest Rate: 7%
Used
Loan for Farm: 58.82%
Used
Loan for Personal Needs: 55.88%
Repayment
Rate: 100%
Average
Repayment Length: 7 months
Comfort in
Borrowing or Using Credit:
Comfort
Scale: 0 – 2 (Not at all / Little / Comfortable)
(Measured
average score from respondents)
Borrowing
from Bank: 1.05
Borrowing
from Co-op: 1.65
Borrowing
from Relative: 1.50
Borrowing
from NGO: 1.23
Using
Credit for Inputs: 1.60
Using
Credit for Supplies/Tools: 1.63
Cash
Advance from Trader: 1.20
Aware
of Credit Sources in Area: 72.50%
Willing
to Access Known Sources: 51.72%
Preferred
Reasonable Interest Rate: 5%
(average of responses)
Interested
in Receiving a Microloan
to invest in their farm: 98%
Method of
Handling Money:
Has
Bank Account: 28%
Keeps
Cash Wallet/Purse: 98%
Has
Credit Account: 10%
Risk Assessment:
Lost
Crops Due to Weather or Insects: 30%
(Note:
Only 1 respondent cited weather (flooding) as the reason. All others cited
insect or disease as the reason for the lost crops.)
Farm
impacted by Weather:
Typhoon 0%
Flood 3%
Drought 0%
Other
Weather 0%
Participation in
Cooperatives:
Member
of a co-op 78%
Average
Capital Share 4,097
P (average of co-op members)
Cited
benefits of co-op Patronage,
Dividends
Other
benefits from some co-ops Mortuary Insurance,
marketing, organic
fertilizer, Use
of Post-Harvest Facility
Literacy and Math:
Literacy
Scale: 0
– 2 (Not at all / Little / Very Well)
(Measured
average score from respondents)
Read
Visayan 1.88
Read
Tagalog 1.70
Read
English 1.43
Write
Visayan 1.85
Write
Tagalog 1.70
Write
English 1.28
Basic
Math (Add/Subtract) 1.43
Interested
in Literacy and Math Classes: 98%
Interested
in Business Classes: 95%
Cacao Beans:
Ferment
and Dry at Home 27.50%
Sell
Unfermented Beans 27.50%
Sell
Wet Beans 42.50%
Use
Co-op’s facility 2.50%
Income/Expenses:
Average
hectares: 1.98
Receive
income from coconuts 95%
of respondents
Average
income from coconuts 6,815.22
P/month (average of income receivers)
Receive
income from bananas 60%
of respondents
Average
income from bananas 2,593.42
P/month (average of income receivers)
Receive
income from cacao 93%
of respondents
Average
income from cacao 2,622.54
P/month (average of income receivers)
Receive
income from durian 40%
of respondents
Average
income from durian 2,064.38
P/month (average of income receivers)
Minimal
income from other crops: Mango,
Mangosteen, Lanzones, Corn
Receive
income from livestock 38%
of respondents
Average
income from livestock 1,836.53
P/month (average of income receivers)
Receive
non-farm income 48%
of respondents
Average
non-farm income 2,902.26
P/month (average of income receivers)
Cited
non-farm income sources: SS
Pension, Labor, Store/Shop, Rental Income,
Buy/Sell
cacao beans (wet/dry), service fees,
Honorarium,
Direct selling (avon)
Average
Total Income 13,965.84
P/month
Average
Farm Expenses 3,543.28
P/month
Average
Family/Personal Expenses 5,875.00
P/month
Average
Total Expenses 9,418.28
P/month
Difference
(Income – Expenses) 4,547.56
P
Percent
(Income/Expenses) 148.28%
Respondents
with Positive Net Income: 70% (28)
Respondents
with Deficit: 30% (12)
Respondents
with income more than
double their expenses: 20% (8)
Respondents
with income more than
their expenses but less than double: 50%
(20)
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