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_aDometita, Andrea D., Escobar, Jose Adam E., Faustino, Kristal Joy M., Requesto, Shaira M., Reyes, Ma. Marrianne Kaye G.
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_aThe relationship between digital credit line and financial condition among working population of Sampaloc, Manila /
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_cDometita, Andrea D., Escobar, Jose Adam E., Faustino, Kristal Joy M., Requesto, Shaira M., Reyes, Ma. Marrianne Kaye G.
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_cJune 2023.46
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_atext
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_aUndergraduate Thesis: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2023.
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_aAbstract This study sought to determine the relationship of Digital Credit Line and Financial Condition among the working population of Sampaloc Manila towards sound decision-making purposes. The researcher employed a quantitative non- experimental descriptive-correlational design to gather information directly from individuals who borrow from digital credit line providers. Furthermore, a survey questionnaire was prepared and utilized to collect the necessary data. In this study, the researchers gathered data from 300 digital credit consumers whose age ranges from 18 to 45 years. The survey instrument was administered to these individuals to collect their responses and insights regarding different aspects related to borrowing from digital credit line providers. The results revealed that the survey participants were composed of 55% females and 45% males. The majority of respondents belong within the 18 to 30 age bracket, with a monthly income range of Php 10,000 to Php 25,000. Overall, the research shows that most digital credit consumers perceive obtaining a digital credit line as a means to access immediate funds for unpaid bills or expenses. However, it hinders their ability to save money. Aside from this, the study found that majority of digital credit consumers have developed a habit of borrowing frequently, averaging 4 to 5 times per year. Furthermore, the findings demonstrate that Convenience, Reliability, and Positive Experiences in using digital credit line are associated with a very weak positive relationship with Financial Condition. The results confirm that these correlations are indeed significant. On the contrary, Negative Experiences in using digital credit lines have a very weak negative correlation with Financial Condition. However, despite this very weak negative correlation, the degree of association between the two variables is not significant. Therefore, there is no significant relationship between Negative Experiences and Financial Condition. As a result of this study, the researchers recommend digital credit line as a temporary source of liquidity because the findings show that it has a significant relationship with positive experiences, which includes easy access to cash to cover unpaid bills and expenses. The findings indicate that digital credit lines offer convenience, reliability, and various positive experiences, making it an effective way to pay outstanding dues on time. However, the findings regarding negative experiences indicate that digital credit consumers should carefully assess their ability to repay loans and ensure their income is sufficient to cover the acquired debt. The researchers also suggest that digital credit consumers should practice discipline and self-control to avoid developing an unhealthy habit of frequently borrowing and the inability to save money.
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