International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Effect of Debt Management Strategies to the Repayment Performance among Small and Medium Enterprises

Author(s) Raven Ozzy Carrio Torres, Angelica Labastin Capuyan, Bethtany Faye Camingawan Belleza, Kathlene Mae Beloy Geloca
Country Philippines
Abstract In many cases, Small and Medium Enterprises (SMEs) are most likely to default on their obligation. Low levels of repayment performance are associated with higher production costs, which affect the firm’s performance. Thus, this study aimed to determine the level of debt management strategies and their repayment performance, to examine their relationship, and to determine the domain of debt management strategy that predicts repayment performance. A purposive sampling was utilized in this study for participant selection, comprising 90 SMEs in Digos City. This quantitative study employed a descriptive-predictive research design using an adapted questionnaire. Findings exhibited a high level of debt management strategies in terms of maturity diversification, debt restructuring, and budgetary planning. Further, the repayment performance is determined to be good in terms of repayment timing, loan terms, and credit scoring. Thus, maturity diversification, budgetary and planning have a statistically positive correlation with the overall repayment performance, and debt restructuring is strongly correlated with credit scoring and repayment timing. Moreover, only maturity diversification and budgetary planning were positive predictors of repayment performance, whereas debt restructuring did not significantly predict repayment performance. Finally, this study could provide further insight into effective debt management strategies that assist SMEs in repaying their obligation.
Keywords debt management strategies, repayment performance, Small and Medium Enterprises, SMEs, Digos City
Field Business Administration
Published In Volume 8, Issue 1, January-February 2026
Published On 2026-01-15
DOI https://doi.org/10.36948/ijfmr.2026.v08i01.66061
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