000			03705nam a22003497a 4500
003			OSt
005			20251201101447.0
008			251007b |||||||| |||| 00| 0 eng d
040			_aUniversity of Cebu-Banilad _cUniversity of Cebu-Banilad
100			_aCodeniera, Elein Rose, _eauthor.
245			_aAssessing the financial inclusion of smallholder farmers in Dalaguete, Cebu : _bfoundations for a financial inclusion framework / _cJane Ivy D. Caintic, Elein Rose Codeniera, Alegna M. Intia, and Trixie Ivy R. Plarisan.
260			_aCebu City, Philippines : _bUniversity of Cebu-Banilad, _cc2024.
300			_axi, 175 pages : _bcolored illustration ; _c11 cm.
336			_2rdacontent _atext
337			_2rdamedia _aunmediated
338			_2rdacarrier _avolume
520			_a"Financial inclusion refers to the ability of underserved individuals and rural populations to access and utilize financial services such as savings accounts, loans, insurance, investments, and payment systems that enhance their quality of life, support broader economic goals, and promote agricultural development. The proposed Financial Inclusion Framework [FIF] for smallholder farmers is designed to assist local government units [LGUs], financial institutions, and farmers' associations in developing strategies to combat the rising issue of financial exclusion within the agricultural sector. The research design utilized in this study is descriptive-correlational. To gather data, the study employed a researcher-made questionnaire seeking to answer queries about the profile of the smallholder farmers and their financial inclusion in terms of access, usage, quality, and welfare. A face-to-face survey was conducted among the one hundred fifty-two (152) smallholder farmers in selected barangays of Dalaguete, Cebu. The smallholder farmers were chosen using a purposive sampling technique. The data were then analyzed using frequency distribution, weighted mean, and Chi-Square test of independence, adhering to ethical principles of respect, beneficence, non-maleficence, justice, and autonomy. The research showed that most smallholder farmers in Dalaguete, Cebu are males aged 37-43, with elementary education, have 10-19 years of farming experience, mainly cultivated cabbage, and a quarterly income ranging from P1,000 to P9,000. Revealed in this research is that there was low financial inclusion among these smallholder farmers in terms of access, usage, and quality, and a moderate financial inclusion in terms of welfare. Moreover, a significant relationship was found between the financial inclusion of smallholder farmers in Dalaguete, Cebu when grouped according to profile. The study concluded that low financial inclusion leaves smallholder farmers vulnerable to economic downturns, limits their access to credit, and hinders their ability to invest, all of which stressed the importance of a well-executed and tailored application of the proposed financial inclusion framework [FIF] to equip farming communities with essential financial tools and resources that support sustainable growth and improve livelihood." --Abstract
521			_aAdult
541			_xBiore, Christopher _yCollege of Business and Accountancy _zAccountancy
546			_aText in English
650			_aFinancial inclusion.
650			_aSmallholder farmers.
650			_aFinancial inclusion framework access.
650			_aQuality.
650			_aWelfare.
700			_aCaintic, Jane Ivy D., _eauthor.
700			_aIntia, Alegna M., _eauthor.
700			_aPlarisan, Trixie Ivy R., _eauthor.
942			_2ddc _cTHE
998			_cJanna [new] _d10/07/2025
999			_c14501 _d14501