Impact of Livelihood Projects 1

On Financial Status of Women Beneficiaries

CHAPTER 1

Background of the Study

Introduction

Livelihood is a mean of making a living. It encompasses people’s capabilities, assets,

income and activities required to secure the necessities of life. It is sustainable since it

enables people to cope with and recover from shocks and stresses, such as natural disasters

and economic or social upheavals, and enhances their well-being and that of future

generations without undermining the natural environment or resource base.

This study is an investigation into the impact and contribution of income generating

projects on financial status of every women beneficiaries. It specifically sought to look at

women’s livelihood project in the area, evaluating the income generating projects related to

livelihood project. Livelihood project or income generating project is one of the ways to

help solved financial crisis. Livelihood projects activities range from agricultural production,

beautifications etc.

Earning a livelihood in rural areas is considerably more complex and difficult

because of inaccessibility, fragility and vulnerability arising from topographical complexity,

altitudinal gradient and poor physical and socioeconomic infrastructure. (Jodha 2005; Rasul

and Kollmair 2010)

Women in Bislig, like any other counter parts of other of developing countries, are

mostly involved in food production to feed their families. The main activity of women in

rural community is mainly participating in agricultural production namely; cocoa, oil, palm,

rubber, coffee. These crops serve as sources of revenue for the government. Women also are

involved in agro-forestry production particularly around the rural compound and farm stead.
Impact of Livelihood Projects 2
On Financial Status of Women Beneficiaries

Statement of the Problem

1. Do livelihood projects help in financial aspects in every women beneficiaries?

2. Do livelihood projects sustain the basic needs of the Women’s families?

Scope and Limitation of the Study

The study seeks to understand the variety of instances of livelihood projects’ impact

financially to the family of every women beneficiary. The research work sets out to study

women of different occupations. The researchers also set up surveys on beneficiaries of the

livelihood program the DSWD given.

Moreso, the study’s scope covers only the Bislig community. A number of livelihood

programs that make up Bislig community were outlined and sampled for the study, and

women were only selected via stratified sampling for the study in order to fulfil the study.

Significance of the Study

This study is significant to the following groups:

Unemployed - the study will therefore inform the unemployed that livelihood

projects can have a contribution or impact to the financial status of their family.

Bislig community- through this study, local sponsors will be educated about the

contribution of livelihood projects’ network to the community’s economy in Bislig City.

Nation- the study will improve the awareness of individual and groups not to limit

the livelihood projects. This will, in turn, improves the standard of living and add to national

development and a successive economy of human race.

Impact of Livelihood Projects 3
On Financial Status of Women Beneficiaries

Conceptual Framework

The concept of this research will focus on how to determine the impact of livelihood

project of financial status of the women beneficiaries in Bislig City.

INPUT

Livelihood Projects in Bislig City

PROCESS

Questionnaires, and scaled situations, pertaining to the improvements done by

livelihood to the lives of the women beneficiaries.

OUTPUT

Significance to the families and impact in financial status of every livelihood

projects’ beneficiaries.

Definition of Terms

Beneficiaries– a person, organization, etc., that is helped by something

Development- The gradual growth of something so that it becomes more

advanced, stronger Rodney (1976) defined it also a skill and capacity, greater freedom

creativity, self-discipline and responsibility.

Livelihood- a way of earning money in order to live

Impact of Livelihood Projects 4
On Financial Status of Women Beneficiaries

Economy- the process or system, by which goods and services are produced, sold

and bought in a country or region.

Impact of Livelihood Projects 5
On Financial Status of Women Beneficiaries

Chapter 2

REVIEW OF RELATED LITERATURE

Well-beingis best conceptualized within a livelihood’s framework. A livelihood is defined as

“the activities, the assets and the access that jointly determine the living gained by an

individual or household” (Ellis, 2003).

Fundamental to the livelihood approach is the asset or resource status of living

individuals and households. Assets provide capabilities for achieving satisfactory levels of

living. Typically this means that the household is the unit of analysis, whereby the

household and its corresponding resource profile is located within the context of the wider

vulnerability environment, the context of social vulnerabilities such as age, ethnic, status,

gender that casually impact how livelihood are constructed and adopted, and within their

policy and institutional context. Rural livelihood diversification is defined as the process by

which household construct an increasingly diverse portfolio of activities and assets in order

to service and improves their standard of living or well-being.

Young (1995) argued the concept of empowerment as use of development agencies

refers mainly to entrepreneurial self- reliance. Taking a critical view of the use of

empowerment technology by development agencies.

A study entitled empowerment of women in South Asia identifies two approaches

commonly used by development agencies shows that empowerment through economic

intervention to increase women’s economic status through employment, income generation

and access to credit an empowerment through integrated rural development programs, in

which strengthening women’s economic status is only one component along with Education,

literacy, the provision of basic needs and services and fertility control.
Impact of Livelihood Projects 6
On Financial Status of Women Beneficiaries

Onu, (1998) editorialized that women are the heal of development. They control

most of the non-money economy and taking important part in the money. He further stressed

that everywhere world, women have two jobs around the home and outside it. This assertion

implies that women have a lot in of contribution to make towards the healthy socio-

economic development of every country but women are constantly denied this opportunity

by the nature of our societal organizations and the cultural set up that makes it more

comfortable for men to maintain the status quo.

Much of the current focus on livelihood projects is due to the emergence of concepts

such as social vulnerability and resilience, and to increasing awareness of these concepts

within conservation organizations. Livelihood projects are suggested to have the potential to

reduce vulnerability and increase the social resiliency of communities (Neely, 2007)
Impact of Livelihood Projects 7
On Financial Status of Women Beneficiaries

CHAPTER III

RESEARCH METHODOLOGY

This chapter presents the methods to be used in the study. It also describes the

subjects of the study, the instruments used, and the procedure of data gathering and the

statistical treatment of data.

Research Design

This study used survey method, which includes questionnaires and checklists. The

researchers also gathered data from the institutions to help in decision-making regarding

change strategies. The researchers survey the respondents personally.

Respondents of the Study

The researchers had chosen randomly the respondents of the study from DSWD

Livelihood Project’s beneficiaries. The researchers only chose some respondents.

Setting of the Study

Impact of Livelihood Projects 8
On Financial Status of Women Beneficiaries

This study was conductedin Bislig City community since the respondents were set

inside the Bislig Community.

Research Instruments

In this study, the researchers used a Likert Scale-type survey made by the researchers.

This survey questionnaire helped them identify the impacts of women in community and in

economic growth through livelihood projects.

Data Gathering Procedure

The following procedures were undertaken in the gathering of the data used in the

study:

1. Seeking approval in conducting the study- The researchers wrote permission letter to

the DSWD Head for the information regarding the study that was conducted pertaining to

the impact the impact of livelihood projects on financial status in women beneficiaries.

2. Informed Consent- The researchers wrote permission letter to the head of women worker

in every livelihood project informing them that their women workers will be part of a study

about the impact oflivelihood projects on financial status in women beneficiaries.

3. Administration and retrieval of questionnaires- The researchers distributed the survey

questionnaires they had made to all the women beneficiaries. The respondents were assessed

promptly and were given clear instructions in answering the survey questionnaires. After

they finished answering, the survey questionnaires were retrieved for the next step.

4. Evaluating, Tabulating and Processing of the Data- After collecting the survey

questionnaires, the researchers then evaluated it for checking purposes and then tabulated

the answers to come up with a specific data. The data gathered will then be processed using

statistical method to be interpreted by the researchers.

Impact of Livelihood Projects 9
On Financial Status of Women Beneficiaries

Statistical Treatment of Data

The responses of the respondents to the survey questionnaires were carefully tallied,

tabulated and organized. The data were presented, analyzed and interpreted with the used of

weighted mean, frequency, counts percentage and ranking system.

The presentation, analysis and interpretation of the data will be based on the weighted mean

as shown by the scale ranges as follow:

For Percentage computation is:

%= f/n x 100

Where:

%= Percentage

F= Frequency

N= total number of respondents

100= constant values

Impact of Livelihood Projects 10
On Financial Status of Women Beneficiaries

CHAPTER 4

PRESENTATION ANALYSIS AND INTERPRETATION OF DATA

This chapter describes the analysis of data followed by a discussion of the

interpretation of data. The findings relates to the research questions that guided the study.

Data were analyzed to identify, describe and explore the Impact of Livelihood Projects on

Financial Status of Women Beneficiaries. Data were obtained from survey questionnaires,

completed by 24 beneficiaries.

A total of 24 questionnaires were distributed and met the required inclusion criteria

as discussed in the previous chapter. This represented 100% of the expected population. The

high response to surveys about Impact of Livelihood ProjectsOn Financial Status of Women

Beneficiaries may be a partial explanation for the high response rate in this study.

Age

21% 25%
20-29
30-39
25%
29.00%
40-49
50 above

Figure 4.1 age of Womens Livelihood Project Beneficiaries

The graph above shows that 29% of the respondents aged from 30-39, 25%aged

from 40-49, 25% aged from 20-29, while 21% aged 50 above.
Impact of Livelihood Projects 11
On Financial Status of Women Beneficiaries

Occupation
Civil Servant
21% 25% Farmer
Petty Trader
25%
29% Crafting
Others

Figure 4.2 occupation of Womens Livelihood Project Beneficiaries

In Figure 4.2 presents that 29% works as farmers, while 50% works as civil servant

and petty trader, while the remaining 21% works for crafting.

Level of Education

25% Primary
34%
Secondary
B.SC and above
None
41%

Figure 4.3 Level of Education ofWomens Livelihood Project Beneficiaries

In Figure 4.3, the graph shows that 42% of the respondents finished up to secondary

schooling only, while 43% finished primary school only, and 25% finished in college.
Impact of Livelihood Projects 12
On Financial Status of Women Beneficiaries

Impact of Livelihoood Projects in

the Financial Status of the
Womens Beneficiaries
Strongly Agree
0 Agree
29%
38%
Not Sure

33% Disagree
Strongly Disagree

Figure 4.4 number of beneficiaries who improved the financial status by livelihood projects.

In Figure 4.4, date shows that 38% strongly agreed that livelihood projects improved

their financial lives, and 33% agreed moderately, while 29% are not sure.

Livelihood projects help in the

economic growth of bislig

Strongly agree
29% Agree
Not sure
71% Disagree
Strongly agree

Figure 4.5 Economic Growth

In the figure above, graph shows that 71% agreed that livelihood projects help in the

economic growth of Bislig City, while 25% agreed moderately.

Impact of Livelihood Projects 13
On Financial Status of Women Beneficiaries

Livelihood project help my financial

status concerns
Strongly Agree
100% Agree
Not sure
Disagree
Strongly Agree

Figure 4.6 Number of beneficiaries improve the financial status by livelihood projects.

The graph above shows that 100% of the respondents agreed that livelihood projects

helped them in addressing their financial concerns.

Impact of Livelihood Projects 14
On Financial Status of Women Beneficiaries

CHAPTER 5

SUMMARY, CONCLUSION AND RECOMMENDATION

This chapter presents the summary of findings of the study, conclusions arrived and

recommendation given by the researchers.

Summary

This study explored the Impact of Livelihood Projects on Financial Status of Women

Beneficiaries within Bislig City. The study determined the level of impact; and how

livelihood projects contributed to the financial status of every Women’s beneficiaries’

families.

Findings

Based on the interpreted data, the following findings are given;

1. 10 (35%) beneficiaries had answered Agree to the statement “Does livelihood

projects improve the financial status of every beneficiaries”. 9 (34%) answered Strongly

Agree. Only 6 (31%) answered Not Sure in the statement problem no. 1

2. Most of the beneficiaries are Not Sure to Statement Number 2 that livelihood

projects contributes to the Bislig’s economy (16 or 80 %) while some are just Agree (8 or

20%)

3. Statement Number 3, “Does livelihood projects sustain the basic needs of the

Women’s families” 14 or 90% of the beneficiaries, Strongly Agree that livelihood projects

has greatly improved their financial status, while the 10 or 10% of the beneficiaries were

Agree
Impact of Livelihood Projects 15
On Financial Status of Women Beneficiaries

Conclusions

The result of the study concluded the following:

1. Livelihood projects improved the Women’s financial status were still not clear to

other beneficiaries.

2. The beneficiaries are not aware if the livelihood projects contribute to the

Bislig’seconomy.

3. A livelihood project does sustain the basic needs of the families of every

beneficiaries, according to the highest rate, Strongly Agree.

Recommendation

Through the results, findings, and conclusion the researcher recommended the

following:

 Bislig communities, Beneficiaries and their families must be fully aware about the

impact of Livelihood project so they can be fully aware of the outcome in the near future.

 The impact of Livelihood project in the financial status of every beneficiaries should

not be taken lightly as it can help every families either big or small expenses when it will be

productive.

 Serious concern about Livelihood projects should be taken actions. The researchers,

recommended that maybe in the near future their will be more beneficiaries, because

livelihood projects really helped families.

Impact of Livelihood Projects 16
On Financial Status of Women Beneficiaries

APPENDIX A

TEST QUESTIONNAIRE

RESEARCH QUESTIONNAIRE

Section A: Socio- Demographic Characteristics

Instruction: Please check the appropriate boxes

1. Age

20-29 [ ] 30-39 [ ] 40-49[ ] 50 and above [ ]

2. Marital Status

Single [ ] Married [ ] Widowed [ ]

3. Occupation

Civil Servant [ ] Farmer [ ] Petty Trader [ ] Crafting [ ] Others:

4. Level of Education

Primary [ ] Secondary [ ] B.SC and above [ ] None [ ]

Impact of Livelihood Projects 17
On Financial Status of Women Beneficiaries

Section B: Questionnaire

Instruction: Please rate your responses by checking the appropriate box below, using

the following Likert rating scale.

1. Strongly Agree

2. Agree

3. Not sure

4. Disagree

5. Strongly Disagree

S/N INQUIRY RESPONSE RATINGS

1 2 3 4 5

1 Livelihood projects

improve the

financial status of

every beneficiary.

2 Livelihood projects

help in the

economic growth of

Bislig

3 Livelihood project

help my financial

status concerns

4 Livelihood project

also contribute in

my financial status
Impact of Livelihood Projects 18
On Financial Status of Women Beneficiaries

as well in the

economy

5 The Livelihood

project(s) embarked

upon by the

government in my

community has

greatly improved

our financial status

Impact of Livelihood Projects 19
On Financial Status of Women Beneficiaries

APPENDIX B

Saint Vincent De Paul Diocesan College

Mangagoy, Bislig City

Letecia M. Yu, RSW

DSWD-Bislig, Head

Madam:

Greetings of peace and goodwill!

In partial fulfillment of the requirements for Practical Research II, the students from Saint

Vincent De Paul Diocesan College, would like to request for your permission from your

good office of allowing the hereunder researchers to conduct their study entitled “Impact of

Livelihood Project on Financial Status of Women Beneficiaries ”.

In connection with this, the researchers would like to ask for your permission to allow the

researchers to distribute survey checklists to respective women beneficiaries under your

jurisdiction regarding their research. Rest assured that the data gathered will remain

absolutely confidential and to be used for academic purpose only. Thank you very much for

your cooperation.

Respectfully yours,

Joycelen F. Estebat Warren O. Lauron

Rose-Ann A. Fernandez Valerie N. Corpuz

Julinel D. Abacahin Justine O. Sobrio

Noted By: Noted By;

Aireen B. Guaing Giljohn M. Soberano

Research Adviser SHS Coordinator

Approved By:
Walter T. Caminos
Impact of Livelihood Projects 20
On Financial Status of Women Beneficiaries

APPENDIX C

TEST RESULTS (RAW DATA)

Age Profile

AGE FREQUENCY PERCENTAGE

20-29 6 25 %

30-39 8 29 %

40- 49 6 25 %

50 and above 4 21%

Occupation

OCCUPATION FREQUENCY PERCENTAGE

Civil Servant 6 25%

Farmer 8 29%

Petty trader 6 25%

Crafting 4 21%

Others 0 0%

Level of Education

LEVEL OF EDUCATION FREQUENCY PERCENTAGE

Primary 11 43 %

Secondary 7 42 %

B.SC and above 6 25 %

Impact of Livelihood Projects 21
On Financial Status of Women Beneficiaries

QUESTIONS

Question Strongly Agree Not Sure Disagree Strongly

Number Agree Disagree

1 8 10 6

2 11 13

3 8 10 6

4 7 13 6

5 6 18
Impact of Livelihood Projects 22
On Financial Status of Women Beneficiaries