INSID E THIS ISS UE:

Main source of Income Distribution of Expenditures

Households by Income and Expenditures per Income Class Per Capita Income and Expenditures

HOUSEHOLD INCOME & EXPENDITURES

Main Source of Income

Over the years, main source of income is gradually replaced by non-agricultural activities particularly
in Calamba City. The industrialization brought economic boosts complemented with the influx of work-
force specifically on technical skills. As evident in graph-H1, main source of income for Calambeños
come from wages and salaries contributed by the non-agricultural sources.
Alternately, entrepreneurship is the best resort for people who have the ability and guts to plunge into
the business world. Similarly, businessmen were more into non-agricultural trades, comprising 97% of
people engaged in entrepreneurial activities once more living agricultural potentials behind.
On the other hand, there are other sources comprised of various activities. This ranked second but far
behind the proportion of salaries and wages. Derived income from this includes cash receipts, gifts
and other forms of assistance abroad which provided the highest contribution among other sources of
income.
The prevailing condition holds true for Laguna except that proportion of individuals earning from agri-
culture was much bigger in Laguna. (15.5% compared to 1.2% in Calamba). This is a proof that many
towns and cities in Laguna are still engaged in agricultural activities and only a few including Calamba
was developed industrially.

47
Households by Income and Expenditure per Income Class
Greater number of families belong to Php150,000-249,999 income bracket. Distribution of fami-
lies by income class is itemized in Table-HI2 including the total and average income derived from
various means as well as total and average expenditures of households for the year 2000.
Stingy as ever, Filipinos keep up with Graph-HI2. Number of Families by Income Class, City of
the virtue of frugality. As indicated in Calamba, Year 2000
Table-HI2, expenses incurred by 0%
0%
1%
Calambeños were lesser than its re- 0%
corded income. Significant portion of 5% 4%
7% 0%
85.6% expenses against its income 17%
7%
signify discreet spending. Expenses
sustained by the constituents were
expended for food, alcoholic bever-
ages, fuel, light, and others (refer to
Table- HI4).
27%
32%
under 10,000 10,000-19,999 20,000-29999
30,000-39,999 40,000-49,999 50,000-59,999
60,000-79,999 80,000-99,999 100,000-149,999
150,000-249,999 250,000-499,999 500,000 and over

Table-HI2. Number of Families by Income and Expenditure per Income

Class, City of Calamba, 2000
Income Class Total Num-
Income Expenditure
ber of Fami-
lies Total Average Total Average
(in P1,000) (in P1,000)
Total 53,418
11,295,711 211,459 9,681,363 181,238
Under P10,000
10,000 19,999 231 4,346 18,816 5,157 22,326
20,000 29,999 212 4,546 21,442 4,873 22,984
30,000 39,999 521 18,839 36,158 21,563 41,389
40,000 49,999 0 `
50,000 59,999 2,195 122,916 55,998 127,760 58,205
60,000 79,999 3,761 270,062 71,806 280,692 74,632
80,000 99,999 3,899 359,646 92,241 410,657 105,324
100,000 149,999 14,120 1,721,063 121,888 1,804,098 127,769
150,000 249,999 16,783 3,294,546 196,303 2,917,677 173,847
250,000 499,999 8,886 3,120,955 351,222 2,531,330 284,867
500,000 & over 2,812 2,378,792 845,943 1,577,556 561,008
Source:NSO

Total income garnered by the 53,418 families totaled to about 11.3 billion in the year 2000,
giving an average of 211.4 thousand per family.

48
Evaluating Table-HI3. Families by Total and Average Income and Expenditure
Table-HI3
points-out Area Income Expenditure
the small Total No.
gap of in- of Fami- Total (000) Average Total(000) Average
come be- lies
tween
Laguna 205,195 36,454,865 177,659 31,249,613 152,292
Calamba
City and Biñan 38,455 8,222,029 213,809 6,158,925 160,159
San Calamba 53,418 11,295,711 211,458 9,681,363 181,237
Pedro.
San Pablo City 42,192 6,491,760 153,864 5,911,137 140,103
Population
wise, San Pedro 49,186 11,018,955 224,027 8,349,811 169,761
Calamba
is higher by about 4,232 people and the average income per family in San Pedro is higher by
Php12,569 pesos. Moreover total family expenditures as compared to total income in Calamba
City (85.7) is 10% higher as that of San Pedro (75.7). San Pablo has the highest rate of spend-
ing habits (91.0%) while Biñan recorded only 74.9%.

Distribution of Expenditures
Money spent for food took the big part of household expenditures. A little more than 2/5
(43.2%) of income were used-up on food either consumed at home or outside. Education and
Medical Care which are next two most important considerations in life ranked 7 th and 13th re-
spectively. Vanity interfered since personal care and clothing were given priority over educa-
tion and health. It is however surprising to know that rentals of real property came next in the
expenses of households. This somehow gives weight to the migrating families staying on
rented places and also an eye opener that many households still do not have their own house
and lot.

Table- HI4. Expenditure Ranking, City of Clothing Footweand & other

Calamba, 2000 10 Wear 2.7
Rank Expenditure Group % Special Occassions of the
1 Food 43.2 11 Family 2.6
Rent/Rental Value of Occu- 12 Household Operations 2.3
2 pied Dwelling Units 12.7 13 Medical Care 2.0
Transportation & Communica- 14 Tabacco 1.4
3 tion 7.1 Gifts and contributions to oth-
4 Fuel, Light and Water 6.0 15 ers 0.9
Durable Furniture & Equip- 16 Taxes Paid 0.8
5 ment 5.2 House Maintenance and Mi-
6 Personal Care and Effects 4.1 17 nor Repairs 0.7
7 Education 3.9 18 Recreation 0.5
8 Miscellaneous Expenditures 3.6 19 Alcoholic Beverages 0.4
9 Other Expenditures 3.1 20 Non-Durable Furnishing 0.2

The next table specifically presents expenditures by income class of households in the City of
Calamba.

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Per Capita Income and Expenditure
Taking into account the proportion of household population of 53,418 families against the total
income yields an average per capita income of Php43,066 per year. Comparing it with the av-
erage per
Table-HI6. Per Capita Income and Expenditures, City of Calamba, 2000
capita expen-
diture once Income Class Total Income Expenditure
Number of
more accen- Families Total Average Total Average
tuate the in-
(in P1,000) (in P1,000)
nate penny- Total 53,418 11,295,711 43,066 9,681,363 36,927
wise attitude
that caused a Under P3,000
savings of 3,000 3,999
Php6,139. 4,000 5,999
This indicates
6,000 7,499 657 32,024 6,719 36,018 7,704
a monthly per
capita income 7,500 9,999 423 26,890 8,773 32,094 10,456
of about 10,000 14,999 2,741 228,856 13,094 287,586 16,102
Php3,588.85 15,000 19,999 5,566 586,800 17,896 603,693 18,501
and per cap- 20,000 29,999 13,800 1,908,625 24,801 1,847,976 24,476
ita expendi- 30,000 49,999 16,178 2,853,141 38,040 2,564,114 35,019
ture of about and
Php3,077.25. 50,000 over 14,054 5,659,376 85,329 4,309,883 64,870
Although recorded income per capita per month of Calamba City appears low, this is compara-
bly higher compared to the poverty threshold set for Laguna in 2001 and for Calabarzon in
2003. Benchmarks for both are Php12,940 annually or Php1,078 per month and Php14,616
annually or Php1,218 per month respectively. These imply how Calamba fairs high enough
from the benchmarks by about Php2,510 and Php2,370.85 compared to Laguna and Calabar-
zon respectively.

The annual per capita poverty threshold of

Php14,616 for Calabarzon in 2003, indicates Proportion of Fam ilies Based on Poverty
that about 3,821 out of the 53,418 families Threshold Year 2000

surveyed in 2000 belonged to poverty level within

which represents only 7.15% families in the 7%

entire city.

above
93%

50
Comparably, average per capita income and expenditure is higher in San Pedro, among the
other three cities/towns presented. Similarly graph-HI3 figured out that San Pablo City, al-
though registered with the lowest per capita income revealed to have the highest rate of spend-
ing habits. In fact, it was Biñan among the four that can be considered the most economical, as
it only spent 73.5% of its in-
Graph-HI3. Comparative Average Income & Expenditure, come. While San Pablo con-
Selected Cities/Towns, Year 2000 sumed 89.7%, Calamba City
60,000 however exhausted only
50,000 85.7%. Only 75.4% were
used-up by the constituents
48,121

40,000
in pesos

43,066
of San Pedro.

51,148
35,606
30,000
35,391

36,927

38,572
31,933
20,000
10,000
0
Biñan Calamba San Pablo San Pedro
City
Area

income expenditure

51