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

Includes bibliographical references

This thesis investigated the Asset Management Practices of Rural Banks in the First District of Rizal during the 2023-2024 school year. The research aimed to assess the perceptions of rural bank employees regarding the efficiency and effectiveness of current asset management strategies, while also identifying differences in these perceptions based on demographic factors such as age, sex, civil status, educational attainment, monthly income, and length of service. The study employed a descriptive research method, collecting and analyzing data from respondents without manipulating variables to provide a comprehensive view of the asset management dynamics in rural banks located in Angono, Binangonan, Cainta, and Taytay. The theoretical framework was grounded in the Resource-Based View (RBV), which emphasized the strategic leveraging of internal resources for competitive advantage and superior performance. Data was gathered through structured questionnaires and interviews with bank managers, staff, and customers. Statistical tools, including one-way ANOVA and t-tests, were used to analyze the data. The findings revealed that employees generally perceived asset management practices as effective, with mean scores for tangible and intangible practices at 3.91 and 3.94, respectively. However, the study also found statistically significant differences in respondents' perceptions of asset management practices based on certain demographic factors, such as civil status, occupation, and educational attainment. Specifically, managers' perceptions of tangible asset management practices were influenced by civil status, while customers' perceptions of intangible asset management practices were affected by their occupation and educational level. Based on these findings, the study proposed a tailored asset management template designed to improve practices in rural banks within the First District of Rizal. The template addressed the unique challenges faced by these institutions and promoted strategies that enhanced financial sustainability and service delivery. The research contributed valuable insights to the field of asset management in rural banking and offered practical recommendations for enhancing the effectiveness of financial strategies in the First District of Rizal, ultimately fostering local economic development and financial inclusion in the region. The study recommended tailored training programs, strengthening organizational culture, establishing regular feedback mechanisms, and encouraging community engagement initiatives to further enhance asset management practices in rural banks.