SURVEY QUESTIONNAIRE
Dear Respondent,
We are BSA students and we are conducting research entitled "Factors Affecting the
Payment Capability of the Beneficiaries of Microfinance Program in Hji. Panglima Tahil, Sulu,
Philippines". We kindly ask for your participation in our research study by filling in our survey
questionnaire. Your honest feedback is invaluable to us and will be used to guide our
research. We assure you that the your responses will be kept confidential and used solely for
our research purposes. Thank you for your time. Have a great day!
Part 1: Demographic Information
Name (Optional): ___________________________
Age (in years): _____
Gender: ________Male
________Female
Educational Attainment: ________
Civil Status: _______Single
_______Married
Business experience (in years): _______
Monthly income (in peso): ___________
Part 2: Payment Capability
Instruction: During the point scale shown below are the following questions by placing a
check mark (R) in the box. Please answer the question honestly.
Payment Capability
Questions: Strongly Agree Neutral Disagree Strongly
Agree Disagree
I am confident in my ability to repay my
loan on time.
I have a plan for managing my loan
repayments to ensure I can make timely
payments on my microfinance loan.
I am satisfied with the repayment terms
and conditions of my microfinance loan.
I prioritize paying back my microfinance
loan over other financial obligations.
I set aside a portion of my income to
repay my microfinance loan.
I regularly communicate with my
microfinance provider about my
repayment progress.
I would consider seeking alternative
income sources to ensure I can repay
my microfinance loan on time.
I am committed to fulfilling my loan
obligations.
Part 3: Factors affecting payment capability
Questions: Strongly Agree Neutral Disagree Strongly
Agree Disagree
a.) Income Stability:
My income is sufficient to meet my
basic needs.
My income is very stable.
My income is predictable from month
to month.
I am confident in my ability to earn
enough income to repay my loan.
I am confident that I will be able to
increase my income in the future.
I carefully track and manage my income
to ensure I can repay my loan.
b.) Financial literacy
Financial planning is important for me
to manage my income and repay my
loan.
I understand the terms and conditions
of my microfinance loan agreement.
I have a budget and track my expenses
regularly.
I am confident in my ability to manage
my finances effectively.
I am comfortable making financial
decisions
I understand the importance of saving
money.
I feel confident in my ability to manage
my personal finances.
I regularly seek financial advice from
experts or trusted sources.
c.) Market Condition
There is a good demand for the product
I sell.
Changes in demand impact my business
and my ability to repay my loan.
I am confident in my ability to adapt to
changes in the market and keep my
business profitable.
I am able to compete effectively in the
local market.
I have access to the resources I need to
succeed in my business.
I take advantage of market
opportunities to improve my business
and repayment capacity.
I face a lot of competition in my
business.
d.) Environmental Factors
Environmental factors have a positive
impact on my ability to earn money.
I am confident in my ability to cope
with challenges posed by environment
factors.
The environment conditions in my
community are favorable for my
livelihood.
I am able to mitigate the risks
associated with environmental factors.
I have adapted my business practices to
address environmental challenges.
The water quality in my farming area is
suitable for seaweed cultivation.