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Insurance products and services in general are intended to transfer the risks brought about by both man-made and natural hazards from an individual or an entity to another. But since there is a misconception that insurance offered by commercial insurers are expensive and only for the moneyed consumers, or people need a lot of money to insure, insurance is only good for those who have big businesses or valuable properties. The poor and the vulnerable have relied on informal risk-mitigating measures like community-based insurance system or worst do not have any other means to help them cope and become risk-averse. This misconception has led to the conceptualization of microinsurance as an offshoot to microfinance primarily to offer insurance products and services that are affordable, the contractual obligations of both the insured and the insurer are nonlegalistic and lesser technical to make it more understandable to the intended market.  This study aims to assess if social-cultural beliefs affect the level of agreement of the respondents on the motivational dimensions of microinsurance.  A descriptive-correlational method was used in this research.  A 40-item self-made questionnaire was subjected to validity and reliability tests before the same was distributed to six hundred respondents all over the Philippines. There were 422 retrieved questionnaires which 70% of the total number of questionnaires deployed. Conclusively, the results indicate that the level of agreement of the respondents on the motivational dimensions of microinsurance vary from one factor to another

The objective of this research is centered on determining different microinsurance dimensions towards promoting the sustainability of the marginalized. This central objective leads to the assumption that microinsurance is a good tool to supplement the lack of or the unavailability of social protection programs intended for those who are socially excluded. Over the years, there have been increased calls among governments all over the world to end poverty.  The call puts to order the use of all available means to attain the 2030 Agenda for Sustainable Development.  As a background, the 2030 Agenda for Sustainable Development was adopted in 2015 by all United Nations Member States.  It encompasses 17 Sustainable Development Goals (SDGs), which is an urgent call for action for all developed and developing countries to form a global partnership in promoting peace and prosperity for people and the planet, now and into the future. The very heart of this framework recognizes that ending poverty and other deprivations must have effective and efficient strategies. The research made use of purely quantitative methods to achieve its objectives. There were 600 questionnaires distributed all over the Philippines but only 422 questionnaires were retrieved. The indicators of microinsurance were factor analyzed using the principal axis method with varimax rotation to determine the underlying dimensions. Since its introduction to the market, microinsurance has been a tool that enables low-income households to become resilient against adversities. In fact, it has been found in various literature that microinsurance has functioned as a social protection mechanism when social services are inadequate or not available. It can be further concluded that microinsurance with its unprecedented growth is eyed as a primary contributor to achieving the majority of the SDG 2030. This monumental role of microinsurance calls for the support of various sectors.  As indicated in the results, financial literacy has to increase among the marginalized to embrace the concept of insurance.  The government likewise has to intervene in promoting microinsurance particularly in areas that are neglected by social services for whatever reasons.

The researcher studied and investigated the level of importance of consumers’ choice mainly price, location, safety and security, facilities and amenities, and exclusivity in the Philippines. This research was limited to 400 potential residential property buyers from any of the top 10 real estate developers in the Philippines. This study focused on 5 consumers’ choice factors mainly price, location, safety and security, facilities and amenities, and exclusivity towards purchase intention of residential property in the Philippines. Among the 5 consumers’ choice factors for buying residential property, the number one consideration is the safety and security (Mean = 5.530), followed by price (Mean = 5.488), location (Mean = 5.424), facilities and amenities (Mean = 5.266), and exclusivity (Mean = 4.983). From this study, four out of five consumers’ choice factors are rated very high important namely: price, location, safety and security, and facilities and amenities. On the other hand, exclusivity is rated of high importance in terms of buying a residential property.

The study used a qualitative approach to gather data from the participants through the interview and focused group discussions (FGD).  The participants consisting of 30 for the interview and 11 for the FGD were asked to answer the questions using a semi-structured, open-ended interview guide.  The results of the interview and FGD were carefully examined using thematic analysis. The results show that as to the level of awareness of the host communities regarding the different SMDP of the mining companies, there is strong evidence on the high level of awareness of the respondents as to human resource development, enterprise development, assistance to infrastructure development, access to education, access to health services; and protections to respect of socio-cultural values. As to the level of agreement of the impact of the different SMDP implement by the mining companies, the respondents confirmed the positive effects of these programs in relation to education, health, social and cultural, and economic indicators. As to the perception of the respondents on the sustainability of the SMDP, except for the completeness of documents available in the designated SMDP offices in the communities, the respondents confirmed and agreed on the sustainability of the SMDP in terms of stakeholder groups relationship; company financial and management capacity; and compliance with the legal requirements.

The objective of this research is to provide the necessary framework and recommendations to help just completed Corporate Social Responsibility Programs of mining companies and eventually improve their existing implementation of SDMP for the benefit of the host communities. The researcher used the mixed-method research design wherein both the qualitative and quantitative approaches were utilized to better understand and validate the results. For the quantitative approach, survey questionnaires were administered to 376 respondents from the host communities during site visits. On the other hand, the qualitative approach used to interview and FGD to the various community representatives of the same host communities. The results revealed that the respondents are aware of the 1.5% budget of mining companies for SMDP and mining companies have adequate and professional personnel that run the operations of SMDP projects. However, it was found that mining companies have an incomplete set of SMDP documents kept in their offices. The results also revealed that the respondents of the five Barangays have strongly agreed that there are social issues raised against the mining project but they disagreed on the stakeholder groups are satisfied with the process.

The researcher studied and investigated the level of importance of consumers’ choice mainly price, location, safety and security, facilities and amenities, and exclusivity in the Philippines. This research was limited to 400 potential residential property buyers from any of the top 10 real estate developers in the Philippines. This study focused on 5 consumers’ choice factors mainly price, location, safety and security, facilities and amenities, and exclusivity towards purchase intention of residential property in the Philippines. Among the 5 consumers’ choice factors for buying residential property, the number one consideration is the safety and security (Mean = 5.530), followed by price (Mean = 5.488), location (Mean = 5.424), facilities and amenities (Mean = 5.266), and exclusivity (Mean = 4.983). From this study, four out of five consumers’ choice factors are rated very high important namely: price, location, safety and security, and facilities and amenities. On the other hand, exclusivity is rated of high importance in terms of buying a residential property.

Insurance products and services in general are intended to transfer the risks brought about by both man-made and natural hazards from an individual or an entity to another. But since there is a misconception that insurance offered by commercial insurers are expensive and only for the moneyed consumers, or people need a lot of money to insure, insurance is only good for those who have big businesses or valuable properties. The poor and the vulnerable have relied on informal risk-mitigating measures like community-based insurance system or worst do not have any other means to help them cope and become risk-averse. This misconception has led to the conceptualization of microinsurance as an offshoot to microfinance primarily to offer insurance products and services that are affordable, the contractual obligations of both the insured and the insurer are nonlegalistic and lesser technical to make it more understandable to the intended market.  This study aims to assess if social-cultural beliefs affect the level of agreement of the respondents on the motivational dimensions of microinsurance.  A descriptive-correlational method was used in this research.  A 40-item self-made questionnaire was subjected to validity and reliability tests before the same was distributed to six hundred respondents all over the Philippines. There were 422 retrieved questionnaires which 70% of the total number of questionnaires deployed. Conclusively, the results indicate that the level of agreement of the respondents on the motivational dimensions of microinsurance vary from one factor to another

The objective of this research is centered on determining different microinsurance dimensions towards promoting the sustainability of the marginalized. This central objective leads to the assumption that microinsurance is a good tool to supplement the lack of or the unavailability of social protection programs intended for those who are socially excluded. Over the years, there have been increased calls among governments all over the world to end poverty.  The call puts to order the use of all available means to attain the 2030 Agenda for Sustainable Development.  As a background, the 2030 Agenda for Sustainable Development was adopted in 2015 by all United Nations Member States.  It encompasses 17 Sustainable Development Goals (SDGs), which is an urgent call for action for all developed and developing countries to form a global partnership in promoting peace and prosperity for people and the planet, now and into the future. The very heart of this framework recognizes that ending poverty and other deprivations must have effective and efficient strategies. The research made use of purely quantitative methods to achieve its objectives. There were 600 questionnaires distributed all over the Philippines but only 422 questionnaires were retrieved. The indicators of microinsurance were factor analyzed using the principal axis method with varimax rotation to determine the underlying dimensions. Since its introduction to the market, microinsurance has been a tool that enables low-income households to become resilient against adversities. In fact, it has been found in various literature that microinsurance has functioned as a social protection mechanism when social services are inadequate or not available. It can be further concluded that microinsurance with its unprecedented growth is eyed as a primary contributor to achieving the majority of the SDG 2030. This monumental role of microinsurance calls for the support of various sectors.  As indicated in the results, financial literacy has to increase among the marginalized to embrace the concept of insurance.  The government likewise has to intervene in promoting microinsurance particularly in areas that are neglected by social services for whatever reasons.

The study used a qualitative approach to gather data from the participants through the interview and focused group discussions (FGD).  The participants consisting of 30 for the interview and 11 for the FGD were asked to answer the questions using a semi-structured, open-ended interview guide.  The results of the interview and FGD were carefully examined using thematic analysis. The results show that as to the level of awareness of the host communities regarding the different SMDP of the mining companies, there is strong evidence on the high level of awareness of the respondents as to human resource development, enterprise development, assistance to infrastructure development, access to education, access to health services; and protections to respect of socio-cultural values. As to the level of agreement of the impact of the different SMDP implement by the mining companies, the respondents confirmed the positive effects of these programs in relation to education, health, social and cultural, and economic indicators. As to the perception of the respondents on the sustainability of the SMDP, except for the completeness of documents available in the designated SMDP offices in the communities, the respondents confirmed and agreed on the sustainability of the SMDP in terms of stakeholder groups relationship; company financial and management capacity; and compliance with the legal requirements.

The objective of this research is to provide the necessary framework and recommendations to help just completed Corporate Social Responsibility Programs of mining companies and eventually improve their existing implementation of SDMP for the benefit of the host communities. The researcher used the mixed-method research design wherein both the qualitative and quantitative approaches were utilized to better understand and validate the results. For the quantitative approach, survey questionnaires were administered to 376 respondents from the host communities during site visits. On the other hand, the qualitative approach used to interview and FGD to the various community representatives of the same host communities. The results revealed that the respondents are aware of the 1.5% budget of mining companies for SMDP and mining companies have adequate and professional personnel that run the operations of SMDP projects. However, it was found that mining companies have an incomplete set of SMDP documents kept in their offices. The results also revealed that the respondents of the five Barangays have strongly agreed that there are social issues raised against the mining project but they disagreed on the stakeholder groups are satisfied with the process.