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43

A Questionnaire on The Level of Effectiveness of the Services provided by Pawnshops


in Iloilo City

I. Profile
Name (Optional): ___________________________

Pawnshop: _________________

Place of Residence: _________________________

Civil Status: ________________

Age: ______

Sex: _______

II. Question Proper


Instruction: Please rate the following statements by putting a check on how much you
agree or disagree to the Level of Effectiveness of the Services provided by the
Pawnshops.
5= Highly Effective
4= Effective
3= Moderate Effective
2= Ineffective
1= Highly Ineffective
A. PRICES
Question
1. Low service charges
of Pera Padala.
2. Low interest rates
offered on collateral
loans.
3. High exchange rates
for money changing.
4. Acceptance of Bill
payments through
alternative payment
systems.

Highly
Ineffectiv
e
(1)

Ineffectiv
e
(2)

Moderate
Effective
(3)

Effective
(4)

Highly
Effective
(5)

44

B. SERVICES
Question

Highly
Ineffectiv
e
(1)

Ineffectiv
e
(2)

Moderate
Effective
(3)

Effective
(4)

Highly
Effective
(5)

Highly
Ineffectiv
e
(1)

Ineffectiv
e
(2)

Moderate
Effective
(3)

Effective
(4)

Highly
Effective
(5)

1. Discounts or Promos
offered.
2. Guidance of Security
Guards towards
customers.
3. Quick Processing
Service.
4. Warranties provided.

C. CREDIT TERMS
Question
1. Computation of the
value for pawned
items.
2. Security offered
towards merchandise
pawned.
3. Length of maturity
dates prior to
redeeming of pawn.
4. No advance interest
deducted from loan
amount.

University of San Agustin


College of Commerce
S.Y. 2016-2017

45

August 2016
______________________
______________________
______________________
Dear Maam/Sir:
Greetings in St. Augustine!
We the 4th year Financial Management students of University of San Agustin is currently
conducting a study entitled, The Level of Effectiveness of Services offered by
Pawnshops in Iloilo City.
In this regard, we would like to ask your assistance in our data gathering by allowing us
to distribute questionnaires to your customers.
The criteria for our respondents are as follows: The customers of the Pawnshops of
Cebuana Lhuiller, MLhuillier, and Palawan Pawnshop in Iloilo City.
Thank you very much for your assistance.
Very truly yours,
Jury Andrew Sese
Jaya Begas
Charles Michael Edis

Noted by:
Vicky Geduspan
Research Adviser
University of San Agustin
College of Commerce
General Luna St, Iloilo City

46

DR. DORIS P. LAURON


Faculty, College of Commerce
University of San Agustin, Iloilo City

Dear Maam:
Greetings!
We are pleased to inform you that you are chosen by our group as one of our validators in
our research study entitled Level of Effectiveness of the financial services offered by
pawnshops in Iloilo City. This is a curricular requirement for our course FM 411Financial Research.
In this regard we would like to ask your assistance and expertise to please validate and
give necessary suggestions in our questionnaire.
Your positive response regarding this request is highly appreciated. Thank you and God
bless!

Sincerely,

Jury Andrew Sese


Group Leader

Noted by:

VICKY GEDUSPAN, MMPM


Research Adviser
University of San Agustin

Validated by:

DR. DORIS P. LAURON


Faculty, College of Commerce
University of San Agustin

University of San Agustin

47

College of Commerce
General Luna St, Iloilo City
MRS. MARY ANNE D. AURELIO
Faculty, College of Commerce
University of San Agustin, Iloilo City

Dear Maam:
Greetings!
We are pleased to inform you that you are chosen by our group as one of our validators in
our research study entitled Level of Effectiveness of the financial services offered by
pawnshops in Iloilo City. This is a curricular requirement for our course FM 411Financial Research.
In this regard we would like to ask your assistance and expertise to please validate and
give necessary suggestions in our questionnaire.
Your positive response regarding this request is highly appreciated. Thank you and God
bless!

Sincerely,

Jury Andrew Sese


Group Leader

Noted by:

VICKY GEDUSPAN, MMPM


Research Adviser
University of San Agustin

Validated by:

MRS. MARY ANNE D. AURELIO


Faculty, College of Commerce
University of San Agustin

48

Reliability Statistics
Cronbach's
Alpha
N of Items Item Statistics
.881

Mean
12

Std. Reliable
Deviation

pri1

4.1429

.69209

35

pri2

4.1714

.70651

35

pri3

4.0286

.66358

35

pri4

4.3143

.63113

35

s1

3.9429

.72529

35

s2

4.5143

.56211

35

s3

4.2571

.70054

35

s4

3.9143

.65849

35

ct1

3.8571

.77242

35

ct2

4.0571

.68354

35

ct3

3.9429

.72529

35

ct4

3.9429

.72529

35

Item-Total Statistics
Scale
Scale Mean if Variance if
Item Deleted Item Deleted

Corrected
Item-Total
Correlation

Cronbach's
Alpha if Item
Deleted

pri1

44.9429

24.291

.710

.864

pri2

44.9143

25.022

.579

.871

pri3

45.0571

25.291

.581

.871

pri4

44.7714

25.652

.557

.873

s1

45.1429

25.185

.536

.874

s2

44.5714

26.782

.432

.879

s3

44.8286

24.970

.593

.871

s4

45.1714

25.382

.572

.872

ct1

45.2286

24.417

.602

.870

ct2

45.0286

25.734

.491

.876

ct3

45.1429

24.420

.651

.867

ct4

45.1429

24.655

.615

.869

SPSS Output

49

age
Cumulative
Frequency
Valid

Percent

Valid Percent

Percent

15-24

138

69.0

69.0

69.0

25-34

43

21.5

21.5

90.5

35-44

12

6.0

6.0

96.5

45-54

3.5

3.5

100.0

200

100.0

100.0

Total

civilstat
Cumulative
Frequency
Valid

single
married
Total

Percent

Valid Percent

Percent

160

80.0

80.0

80.0

40

20.0

20.0

100.0

200

100.0

100.0

sex
Cumulative
Frequency
Valid

male

Percent

Valid Percent

Percent

70

35.0

35.0

35.0

female

130

65.0

65.0

100.0

Total

200

100.0

100.0

Table No. : Level of Effectiveness of the Services Offered by the Pawnshops in Iloilo
City in Terms of Price

50

Price

Mean

SD

Interpretation

As a whole

3.91

200

.65

Highly Effective

15-24

3.90

138

.63

Highly Effective

25-34

3.90

43

.66

Highly Effective

35-44

4.04

12

.70

Highly Effective

45-54

3.82

.79

Highly Effective

Single

3.88

160

.63

Highly Effective

Married

4.01

40

.69

Highly Effective

3.75

70

.71

Highly Effective

Age

Civil Status

Sex
Male

Female
3.99
Legend: 4.21-5 Very Highly Effective
1.81-26 Less Effective

130
.59
3.41-4.2 - Highly Effective
1-1.8 Not Effective

service * age
service
age

Mean

Std. Deviation

15-24

4.0217

138

.63467

25-34

3.8372

43

.56926

35-44

4.0208

12

.65243

45-54

3.3929

.64319

Total

3.9600

200

.63178

service * civilstat
service
civilstat

Mean

Std. Deviation

single

3.9734

160

.63790

married

3.9062

40

.61155

Total

3.9600

200

.63178

Highly Effective
2.61-3.4 Moderately Effective

51

service * sex
service
sex

Mean

Std. Deviation

male

3.7643

70

.66060

female

4.0654

130

.59190

Total

3.9600

200

.63178

creditterms * age
creditterms
age

Mean

Std. Deviation

15-24

3.9040

138

.70796

25-34

3.6395

43

.62035

35-44

3.7708

12

.70274

45-54

3.3214

.70289

Total

3.8188

200

.69949

creditterms * civilstat
creditterms
civilstat

Mean

Std. Deviation

single

3.8391

160

.71228

married

3.7375

40

.64785

Total

3.8188

200

.69949

52

creditterms * sex
creditterms
sex

Mean

Std. Deviation

male

3.6607

70

.66762

female

3.9038

130

.70394

Total

3.8188

200

.69949

Group Statistics
civilstat
price

service

creditterms

Mean

df

Sig. (2-tailed)

Interpretation

single

160

3.8797

-1.110

198

.268

Not

married

40

4.0062

single

160

3.9734

married

40

3.9062

single

160

3.8391

married

40

3.7375

Significant
.601

198

.549

Not
Significant

.821

198

.413

Not
Significant

Group Statistics

price

service

creditterms

sex

Mean

df

Sig. (2-tailed)

Interpretation

male

70

3.7500

-2.527

198

.012

Significant

female

130

3.9885

male

70

3.7643

-3.293

198

.001

Significant

female

130

4.0654

male

70

3.6607

-2.372

198

.019

Significant

female

130

3.9038

53

ANOVA

age
price

service

creditterms

Sum of Squares

df

Mean Square

Sig.

Interpretation

.279

.093

.221

.882

Not

Within Groups

82.541

196

.421

Total

82.820

199

Between Groups

3.470

1.157

Within Groups

75.960

196

.388

Total

79.430

199

Between Groups

4.143

1.381

Within Groups

93.225

196

.476

Total

97.367

199

Between Groups

Significant

2.985

.032

Significant

2.903

.036

Significant

54

Post Hoc Test


Multiple Comparisons
LSD
Dependent

95% Confidence Interval

Mean Difference

Variable

(I) age

(J) age

service

15-24

25-34

.18453

.10872

.091

-.0299

.3990

35-44

.00091

.18736

.996

-.3686

.3704

45-54

.62888*

.24119

.010

.1532

1.1045

15-24

-.18453

.10872

.091

-.3990

.0299

35-44

-.18362

.20325

.367

-.5845

.2172

45-54

.44435

.25373

.081

-.0560

.9447

15-24

-.00091

.18736

.996

-.3704

.3686

25-34

.18362

.20325

.367

-.2172

.5845

45-54

.62798*

.29607

.035

.0441

1.2119

15-24

-.62888*

.24119

.010

-1.1045

-.1532

25-34

-.44435

.25373

.081

-.9447

.0560

35-44

-.62798*

.29607

.035

-1.2119

-.0441

25-34

.26445*

.12045

.029

.0269

.5020

35-44

.13315

.20756

.522

-.2762

.5425

45-54

.58256*

.26720

.030

.0556

1.1095

15-24

-.26445*

.12045

.029

-.5020

-.0269

35-44

-.13130

.22516

.560

-.5753

.3128

45-54

.31811

.28109

.259

-.2362

.8724

15-24

-.13315

.20756

.522

-.5425

.2762

25-34

.13130

.22516

.560

-.3128

.5753

45-54

.44940

.32800

.172

-.1975

1.0963

15-24

-.58256*

.26720

.030

-1.1095

-.0556

25-34

-.31811

.28109

.259

-.8724

.2362

35-44

-.44940

.32800

.172

-1.0963

.1975

25-34

35-44

45-54

creditterms

15-24

25-34

35-44

45-54

(I-J)

*. The mean difference is significant at the 0.05 level.

Std. Error

Sig.

Lower Bound

Upper Bound