Housing loans are granted to PAG-IBIG members at very low interest rates to help them build and own-their own homes. The loan is expected to be paid on a monthly basis within a certain period of time. Despite the liberal repayment scheme, repayment rate has been consistently low. Records show a delinquency rate about 30%. Arrears average at Php 80,000 and many properties have been foreclosed as documented by notices of foreclosure. PAG-IBIG members’ failure to pay their obligations has been attributed to many factors, like lack of awareness among borrowers of the consequences of non-payment, a negative attitude towards government loans, or shortage of cash because of other financial need and others. Two local studies on loan payment behaviors of credit cooperative members showed that social and economic factors influence repayment. The studies, however, did not touch on knowledge and attitudes towards loan repayment. Most of the studies reviewed deal with credit coop loans and crop loans. Studies on housing loans are limited.
1. What can be the possible research question? 2. What is the problem situation? Show evidences.
3. What should be the situation?
4. What are the possible reasons for the discrepancy between what is and what should be?
5. What is already known about the problem? What are the findings of related studies? 6. What questions remain unanswered?
1. Possible research question: What factors influence the low repayment rate of PAG-IBIG housing loans among its members?
2. Problem situation: PAG-IBIG housing loans have a consistently low repayment rate, with a delinquency rate of about 30% and an average arrears of Php 80,000. Many properties have been foreclosed as documented by notices of foreclosure.
3. The ideal situation is for PAG-IBIG members to pay their housing loans on time and in full to avoid delinquency and foreclosure.
4. Possible reasons for the discrepancy between what is and what should be include lack of awareness among borrowers of the consequences of non-payment, negative attitudes towards government loans, shortage of cash due to other financial needs, and social and economic factors that influence repayment.
5. Related studies on loan payment behaviors of credit cooperative members showed that social and economic factors influence repayment, but did not touch on knowledge and attitudes towards loan repayment. Studies on housing loans are limited.
6. Unanswered questions may include how to increase borrowers’ awareness of loan repayment consequences, how to improve attitudes towards government loans, and how to address social and economic factors that affect repayment.
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