Thesis Bachelor of Science in Business Administration Major in Financial Management University of Rizal System 2025

This study investigates the fund sourcing strategies of micro-scale local restaurants in Binangonan, Rizal, focusing on three primary avenues: debt financing, internal funds, and equity financing. Employing a mixed-methods approach, the research combines quantitative surveys and qualitative interviews with restaurant owners to gain a comprehensive understanding of their financing practices. A total of 40 micro-scale restaurant owners participated in the study, providing valuable insights into their financial strategies and challenges.
Quantitative analysis reveals that debt financing is the most commonly utilized method among these establishments, followed by internal funds, with equity financing being the least preferred. This preference indicates a reliance on accessible funding options that allow owners to maintain full control over their businesses
Qualitative insights uncover several challenges impeding effective financial operations. These include high interest rates associated with debt financing, stringent criteria set by lending institutions, and apprehensions regarding ownership dilution when considering equity financing. Such obstacles highlight the complexities faced by micro-scale restaurant owners in securing adequate funding.
In response to these findings, the study proposes actionable recommendations to enhance the financial landscape for local restaurants. These include implementing financial education programs to empower owners and employees with sound financial knowledge, advocating for government support initiatives to alleviate financial burdens, encouraging collaboration among industry stakeholders, and promoting strategic planning to align financial strategies with long-term business goals.
Overall, this study sheds light on the financial challenges and opportunities encountered by micro-scale local restaurants in Binangonan, Rizal. By understanding these dynamics, stakeholders can collaboratively work towards establishing a more robust and sustainable financial ecosystem, fostering the growth and prosperity of the local culinary industry.