College of Arts and Sciences of Asia and The Pacific

Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

ANALYZING THE BEST PRACTICES FOR MAXIMIZING

RESOURCES IN ACHIEVING FINANCIAL GOALS
AMONG GRADE 11 STUDENTS IN COLLEGE
OF ARTS AND SCIENCE OF ASIA AND
THE PACIFIC YEAR 2024-2025

A Research Presented to

The faculty of College of Arts and Science of Asia and the Pacific
Rodriguez, Rizal

In Partial Fulfillment of the Requirements for

Practical Research
Accountancy, Business, and Management

Balmediano, Rhian
De Pedro, Hannah Jane Amanda
Eduarte, Arwin
Isbain, Shane
Reolalas, Mike
Tarrobal, Jesshian

January 2025
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPROVAL SHEET
This is to certify that we have supervised the preparation of and read the
research paper prepared by the researchers entitled “Analyzing the Best
Practices for Maximizing Resources in Achieving Financial Goals
Among Grade 11 Students in College of Arts and Science in Asia and
the Pacific Academic Year 2024-2025” and that the said research paper has
been submitted for final examination by the Oral Examination Committee.

HANNAH JANE AMANDA B. DEPEDRO MR. WENDELL G. CUERQUIS

Research Leader Research Adviser

As members of the Oral Examination Committee, we certify that we

have examined this research paper, presented before the committee on April
4, 2025, and hereby recommend that it be accepted as fulfillment of the
requirement for the course Inquiries, Investigations, and Immersion.
This research paper is hereby approved and accepted by the College
of Arts and Sciences of Asia and the Pacific Rodriguez Campus Office as
fulfillment of the requirements for Inquiries, Investigations, and Immersion.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

ACKNOWLEDGEMENT

The researchers would like to extend their deepest appreciation and

gratitude for support and kindness of the following persons who contributed
and gave support in the completion of the study.
To Mr. Wendell G. Cuerquis, for his guidance and constant support in
making this research study and for the comments that helped improve the
study.
The sources, for providing all the needed information.
The researcher’s supportive friends, group leaders, and
classmates are continuously motivating to give them strength to finish the
research study.
The researchers’ supportive families, for the moral support they are
giving to their children to be able to study hard and have good grades.
Above all to Almighty God, for His everlasting blessings and
goodness.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

ABSTRACT

This research paper analyses the different financial strategies Grade

11 students utilize when it comes to managing money. To figure this out,
researchers used questionnaires to gather data with questions revolving
around the financing and managing of expenses of Grade 11 students in the
College of Arts and Sciences of Asia and the Pacific Rodriguez Campus.
According to the data collected by the researchers, majority of students who
answered the survey agreed that the current strategy they are using to
manage and finance their budget are working efficiently for them to achieve
academic success and other related financial means. The findings of this
research can further promote financial literacy towards senior high school
students.

Key words: Financial Literacy, Managing Expenses, Academic Success

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TABLE OF CONTENTS

Title Page .......................................................................................................... i

Approval Sheet ................................................................................................. ii
Acknowledgement ........................................................................................... iii
Dedication ....................................................................................................... iv
Abstract ............................................................................................................ v

CHAPTER I: INTRODUCTION
Introduction ...................................................................................................... 1
Background of the Study ..................................................................................2
Statement of the Problem ................................................................................ 4
Conceptual Framework .................................................................................... 5
Scope and Delimitation .................................................................................... 5
Significance of the Study ..................................................................................6

CHAPTER II: REVIEW OF RELATED LITERATURE

Foreign Literature .............................................................................................8
Local Literature .............................................................................................. 10
Foreign Studies .............................................................................................. 12
Local Studies ..................................................................................................15

CHAPTER III: RESEARCH METHODOLOGY

Method of Research Used ............................................................................. 18
Sources of Data ............................................................................................. 18
Data Gathering Method ..................................................................................19
Data Gathering Procedure ............................................................................. 19
Ethical Considerations ................................................................................... 19
Research Hypothesis ..................................................................................... 19
Definition of Terms ......................................................................................... 20

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

CHAPTER IV: PRESENTATION, ANALYSIS, AND INTERPREATATION OF

DATA
Tally Sheet ..................................................................................................... 23
Questions Data .............................................................................................. 32
Survey Questionnaire .....................................................................................33
Data Interpretation ......................................................................................... 34
Demographic Profile of Respondents ............................................................ 34
Questions Interpretation .................................................................................35
Statistical Treatment ...................................................................................... 35

CHAPTER V: SUMMARY OF FINDINGS, CONCLUSION, AND

RECOMMENDATION
Conclusion ..................................................................................................... 48
Recommendations ......................................................................................... 49
REFERENCES ...............................................................................................51

APPENDICES
A Endorsement Letter from Adviser ............................................................ ix
B Approved Letter from Validators of Survey Questionnaire ...................... xiii
C Survey Questionnaire ..............................................................................xiv
D Permission to Conduct Study ..................................................................xvi
E Documentation of Data Gathering ......................................................... xviii
F Approval Letter from Panel Member ........................................................xxi
G Documentation of Final Defense ............................................................ xxii
H Curriculum Vitae .................................................................................... xxiii

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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

LIST OF TABLES
Slovin Formula ............................................................................................... 18
Strand ............................................................................................................ 21
Gender ........................................................................................................... 21
Section ........................................................................................................... 22
Age .................................................................................................................22
Likert Scale .................................................................................................... 33
Budget Planning .............................................................................................33
Managing Expenses .......................................................................................33
Spending Habits .............................................................................................34
Overall Habits .................................................................................................34
Results of Question No.1 ............................................................................... 37
Results of Question No.2 ............................................................................... 38
Results of Question No.3 ............................................................................... 39
Results of Question No.4 ............................................................................... 39
Results of Question No.5 ............................................................................... 40
Results of Question No.6 ............................................................................... 40
Results of Question No.7 ............................................................................... 41
Results of Question No.8 ............................................................................... 42
Results of Question No.9 ............................................................................... 43
Results of Question No.10 ............................................................................. 43
Results of Question No.11 ............................................................................. 44
Results of Question No.12 ............................................................................. 45
Results of Question No.13 ............................................................................. 45
Results of Question No.14 ............................................................................. 46
Results of Question No.15 ............................................................................. 47

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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

LIST OF FIGURES
Input-Process-Output ....................................................................................... 2
Strand ............................................................................................................ 35
Gender ........................................................................................................... 36
Section ........................................................................................................... 36
Age .................................................................................................................37

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Chapter 1
Introduction

The primary objective of implementing strategic budget management

best practices among Grade 11 students in College of Arts and Sciences of
Asia and the Pacific Rodriguez for the academic year 2024-2025 is to foster
essential financial literacy and resource management skills.
This initiative aims to equip students with tools and knowledge
necessary to create, manage, and optimize budgets that align with their
personal financial goals.
Despite the potential benefits, several challenges may impede the
successful implementation of these strategic budget management practices
within this demographic. One significant issue is the disparity in financial
knowledge and saving habits among students, which can stem from various
socioeconomic backgrounds. Students with limited exposure to financial
education may find it challenging to grasp fundamental concepts, such as
income allocation, and expense tracking. Additionally, the pressures of peer
influence and social spending can further complicate their ability to budget
effectively. There is also the challenge of incorporating meaningful, interactive
educational tools that resonate with students and can sustain their interest in
financial literacy over time. Ensuring that teachers are adequately trained and
resourced to deliver effective education is critical, as many educators may
lack the confidence or knowledge to teach personal finance topics effective.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Background of the Study

This research examines the financial literacy of and resource

management skills of Grade 11 students at College of Arts and Sciences of
Asia and The Pacific Rodriguez during the 2024-2025 academic year. This
studies aims to uncover effective strategies that helps students maximize their
resources and achieve their financial goals.
As young adults, these students face growing financial responsibilities.
The study highlights the importance of incorporating strategic budgeting
practices into their education to build their financial literacy and resource
management skills. By integrating budgeting principles into the curriculum,
students will learn the value of financial planning, prioritize spending, and
develop responsible spending habits through practical exercises and
simulations.
This study by Tarcísio Pedro da Silva et al (2017) revealed that while
students demonstrated some financial knowledge primarily gained from
parents, relatives, and daily experiences, their understanding was insufficient,
particularly regarding knowledge acquired from school. The study highlights a
lack of family financial discussions and a surprising independence from
parental financial oversight among many [Link] researchers conclude
that improved financial education is crucial, both within the high school
curriculum and potentially at the undergraduate level, to better equip students
to manage their finances and avoid contributing to future social issues related
to financial mismanagement.
According to Wasthington, D.C. (2022) The EVERFI, Inc. study
surveyed high school juniors and seniors in the U.S. to evaluate their financial
understanding and preparedness for adulthood, revealing that many students
feel unprepared for key financial tasks. Only 32% of students felt capable of
comparing financial institutions, while less than half (47%) believed they could
manage a savings or checking account. The study emphasizes the
importance of formal financial education, as reliance on family discussions
can disadvantage students lacking knowledgeable parents. It highlights the

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urgent need for comprehensive financial literacy education to ensure students

are equipped for real-world financial responsibilities, especially as they
transition to financial independence. Additionally, José Manuel Cordero, María
Gil-Izquierdo, Francisco Pedraja-Chaparro (2022) investigates the impact of
in-school financial education on students' ability to apply financial knowledge
to real-life situations, using PISA 2012 data and multilevel regression
modeling. The findings show a positive correlation between the availability of
financial education and students' financial literacy scores, regardless of
teaching method. However, this effect is minor compared to individual and
school-level factors. Furthermore, students taught by specialists from private
institutions or NGOs performed better than those taught by teachers.

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 College of Arts and Sciences of Asia and The Pacific
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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Statement of the Problem

Grade 11 students in the College of Arts and Sciences of Asia and the
Pacific Rodriguez Campus often face financial challenges, despite having
limited resources. This study aims to identify the best practices that can help
these students maximize their resources and achieve their financial goals.
Specifically, this research seeks to answer the following questions:
1. Students are identified with the following demographic profile
1.1 Age
1.2 Gender
1.3 Strand
1.4 Grade & Section

2. What are the saving methods that students can acquire in the research?
2.1 Budget Planning
2.2 Managing Expenses
2.3 Spending Habits

3. Is there a significant difference on the effect of these practices to

students’ saving habits?

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Conceptual Framework

Scope and Delimitation

This research focuses on analyzing best practices for maximizing

resources to achieve financial goals among Grade 11 students at the College
of Arts and Science of Asia and the Pacific Rodriguez Campus, during the
academic year 2024-2025, this study aims to understand what is the financial
goal sets of the Grade 11, the researchers investigates the methods and
strategies of the Grade 11 students in their financial aspect, and assess the
role of academic programs and financial literacy initiatives within the college in
supporting students’ financial management skills.

This study is limited to the Grade 11 students at the College of Arts and
Sciences of Asia and the Pacific, Rodriguez Campus, and this study will not
include any students from different campuses to make the data legitimate and

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

correspond to the questions provided by the researchers. The research will

only target Grade 11 students, excluded from the different level or programs,
that have different methods and strategies in their financial management.

Significance of the Study

The findings and result of this study will give a great benefits to the following:

 Students The study serves as a practical guide for students by equipping

them with effective strategies to manage their financial resources. By
understanding best practices, students can enhance their financial literacy
and develop crucial skills in budgeting, saving, and investing, which are
vital for their academic success and personal financial independence in
the long run. Furthermore, this knowledge empowers students to set
realistic financial goals and motivates them to pursue academic and
career paths that align with their financial objectives.
 Future Researchers Future Researchers this research will provide a
foundation for future studies exploring financial literacy and resource
management among adolescents. By identifying effective practices and
highlighting their impact on students' financial achievements, subsequent
researchers can build upon this work. Furthermore, this study may
introduce avenues for further inquiry into distinct demographic factors that
affect resource maximization and the mediation of educational
interventions in financial education.
 Parents The findings of this study will offer insights into how they can
support their children in achieving financial goals. By equipping
themselves with knowledge on effective resource management practices,
parents can foster an environment that encourages financial responsibility
among their children. This study also aims to promote constructive
dialogue between parents and students regarding financial expectations

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

and discussions on budgeting for educational expenses, extracurricular

activities, and saving plans.
 Educators Educators will benefit from insights into effective teaching
methodologies that can enhance financial literacy within the curriculum.
Understanding best practices enables educators to integrate these
strategies into their teaching frameworks, thereby aligning academic goals
with practical financial skills that students will utilize beyond their
schooling. Furthermore, educators can develop targeted programs that
support students from economically disadvantaged backgrounds,
ensuring equitable access to financial education resources.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

CHAPTER 2
REVIEW OF RELATED LITERATURE
This chapter contains the background of the study, statement of the
problem, scope and delimitation, and the significance of the study.

Foreign Literature

According to Nisha Jain and Aarti Sehgal (2022) a country can promote
economically and socially if its weaker section can turn out to be fiscally
independent. This paper provides a comprehensive review of the saving and
spending habits of scholars. The study investigates the places of socio-
demographic factors, cerebral point chops, perception of shopping, saving
behaviour, money scenario, and consumption habits on the confirmation of
the inflation comprehension of undergraduates. The goal of this design is to
learn how to inform students to save the most and only spend on needs. The
purpose of this research design is to determine whether scholars’ spending
habits are high of low owing to inflation. Effective financial management
practices are critical for all members of society, especially council academics.
Exploration demonstrates that scholars’ financial management skills are
crucial to their overall behaviour.

This study by Lusardi, Mitchell, and Curto (2020) provides empirical

evidence on the effectiveness of financial literacy education programs in
improving adolescent financial behavior. By conducting a randomized
controlled trial, the researchers were able to isolate the impact of the
intervention and assess its effectiveness in improving financial knowledge,
attitudes, and behavior.

According to David Doe Fiergbor (2020), while earning money can be

challenging, it’s even easier to lose it without proper management. Effective
money management is crucial throughout life, especially during youth.
Building wealth isn’t solely about hard work; understanding how money

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

operates and applying sound management principles is equally vital. Savings

are a cornerstone of financial management, providing a foundation for
personal financial success. It’s not just setting money aside for the future; it’s
about safeguarding economic value and securing a safety net for life’s
uncertainties. This paper delves into the saving habits of college students.
The findings reveal that a significant portion of students do not save, primarily
due to limited income and economic difficulties. Additionally, many lack
defined financial management literacy. The study emphasizes the need for
public education on essential money management skills like saving, which is a
key ingredient for wealth creation.

Maintaining a healthy financial state and securing future financial

needs requires effective personal financial planning (Mahapatra et al. 2019).
Essentially, this involves managing personal wealth for economic satisfaction
(Kapoor et al. 2014). Six key areas comprise this process: cash flow planning,
tax planning, investment planning, risk management, estate planning, and
retirement planning (Altfest 2004). While comprehensive planning ideally
incorporates all six, individual circumstances (e.g., retirement, job loss) will
determine the focus and relevance of each area. Retirees, for example, may
not actively engage in tax planning, and those facing unemployment may
postpone investment planning. Importantly, personal financial planning is a
complex concept, understood both academically and practically, that
significantly enhances an individual's financial resilience.

According to Nurhafizah Ahmad, Muniroh Hamat, Fadzilawani Astifar,

Siti Asmah Mohamed Alias, Norshah Afizi Shuaib (2024) The younger
population in Malaysia is increasingly displaying imprudent spending
behaviors. They often spend without limits, leading to changes in their
lifestyles and consumption patterns. Consequently, it becomes imperative to
assess the extent to which the youth in our country, particularly university
students, comprehend various financial practices and services. It is essential
for students not only to acquire financial knowledge but also to integrate it into

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

their daily lives. This study aims to explore the relationship between financial
literacy and spending behaviors among university students. The data were
analyzed using version 26.0 of the Statistical Package for Social Sciences
(SPSS). The strength and direction of the linear relationship between
spending habits and financial literacy were evaluated through the Pearson
correlation coefficient, denoted as [Link] findings indicate a positive
correlation between the spending habits of UiTM students and their level of
financial literacy. This suggests that as students enhance their understanding
of financial matters, they are more inclined to make informed and prudent
financial decisions.

Local Literature

Rosalid and Downes (2019) assert that the principal should establish
unambiguous policies and duties in order to stop financial theft in schools.
These include assigning procurement authority to different staff members,
segregating staff responsibilities, and exercising effective supervision to
ensure that laws and regulations are followed (Kaharisa, 2020).

According to Xavier University, the financial well-being of individuals

play a crucial role in achieving success, both personally and professionally,
especially in the context rapidly changing financial environment of today. For
students pursuing a degree on finance, acquiring financial literacy and
budgeting skills are not merely a requirement for their studies, but rather an
invaluable life skill. This research investigates the impact of financial literacy
and budgeting skills on the financial well being of finance students at a
university located in Cagayan De Oro. Anchored in the Theory of Planned
Behavior (TPB) and Social Cognitive Theory (SCT), the study delves into
various factors including awareness of financial risks, confidence in making
financial decisions, management of income, and the tracking of expenses.
Utilizing a descriptive-correlational approach and data collected through
surveys, the analysis underscores the significant importance of these

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

competencies in fostering financial resilience and prudent money

management. The research findings are intended to assist educators,
policymakers, and institutions in creating financial education programs that
enhance students’ financial resilience, enabling them to effectively manage
financial challenges both during their academic pursuits in their future careers.

A study conducted by Pascual and Santos-Recto (2023) explored the

financial literacy and practices of 400 students at Central Luzon State
University. The research revealed that while students possessed a moderate
level of financial literacy, their actual financial practices often fell short of ideal
standards. The study highlighted the need for enhanced financial education
programs to equip students with the necessary knowledge and skills to
manage their finances effectively.

Lucero et al. (2023) investigated the budgeting practices of financial

management students at Tarlac Agricultural University. The study found that
students generally had a positive attitude towards budgeting, but their actual
budgeting practices were inconsistent. The researchers emphasized the
importance of practical budgeting skills and regular financial tracking to
improve students' financial well-being.

De Guzman et al. (2023) examined the financial literacy and behavior

of college students in a state university in the Philippines. The study revealed
that students had a moderate level of financial literacy, but their financial
behaviors were often influenced by impulsive decisions and a lack of long-
term financial planning. The researchers recommended the integration of
financial literacy education into the curriculum to foster responsible financial
habits among students.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Foreign Studies

According to Suwarno Suwarno, Fitria Fitria, Rudi Azhar Atestasi:

Jurnal Ilmiah Akuntansi 6 (2), 835-855, 2023. This study explores the strategic
framework for aligning human resources (HR) investments with financial
objectives and broader business goals to enhance organizational
performance. Through a qualitative literature review, this research
synthesizes existing literature to understand the dynamics between HR
management, financial planning, and organizational outcomes, thereby
elucidating how strategic alignment can optimize budget allocation in HR. The
research methodology encompasses a comprehensive review of scholarly
articles, foundational texts, and empirical studies related to strategic human
resource management (SHRM). The focus on how integration of HR functions
with organizational strategies can contribute to enhanced financial
performance and competitive advantage. By examining studies from the past
three decades, this review highlights how effectively aligned HR practices
support not only immediate operational goals but also long-term strategic
objectives. Findings indicate that organizations demonstrating a high degree
of strategic alignment in HR are most effective when meticulously aligned with
an organization’s strategic vision, emphasizing the importance of a dual
approach where HR not only supports but actively drives strategic decisions.
Furthermore, the integration of advanced analytics and technology in HR
processes emerges as a significant enhancer of this alignment, enabling more
precise decision-making and real-time adjustments in strategy. This research
contributes to the existing body of knowledge by providing a detailed analysis
of the mechanisms through which strategic HR alignment impacts
organizational performance and by proposing a framework for organizations
to optimize their HR budget allocation in line with strategic goals.

According to Abbie Brown (2014) Comprising four sections: Overall

Developments; Corporate Training and Development; Higher Education; and
K-12 Education, this chapter synthesizes the findings of major annual reports

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

including, ASTD's Annual Review of Workplace Learning and Development

Data (State of the industry, 2012: ASTD's annual review of workplace learning
and development data, ECAR Study of Undergraduate Students and
Information Technology, 2012 (ECAR Study of undergraduate students and
information technology, 2012, Boulder, CO: EDUCAUSE Center for Applied
Research); NMC Horizon Report: 2012 Higher Education Edition (NMC
horizon report: 2012 Higher education edition, Austin, TX: The New Media
Consortium); Going the distance: Online education in the United States, 2011
(Going the distance: Online education in the United States, 2011, Babson
Park, MA: Babson Survey Research Group and Quahog Research Group,
LLC); Education Week's, Technology Counts 2012; The New Media
Consortium and the Consortium for School Networking's, K-12 Students and
Parents Connect the Dots with Digital Learning (Mapping a personalized
learning journey: K-12 students and parents connect the dots with digital
learning, and Personalizing the Classroom Experience- Teachers, librarians
and administrator. The authors note continued increased interest in and use
of online learning, increased use of shared resources, and continued interest
in making best use of the mobile devices students bring with them to learning
environments.
According to Khate Ashley Dela Rama, Flordeliza Baylon, Lady Fel
Balwet, Kayesha Erika Pullos, Rizza Claire Durias, Jonah Fe Cabusca, Ann
Lavence Eguia, Larra May Cabilin, Remark Duran, JOSHUA MANTE, DAISY
PREPECIO, CRYSTAL JEAN GILONGOS, MAHAL ROSEL The Threshold 16
(1), 2024, financial literacy is increasingly recognized as an essential life skill,
particularly for young adults who are on the cusp of managing financial
responsibilities independently. This study provides a comprehensive analysis
of financial literacy levels among Senior High School (SHS) and College
students at Colegio de San Francisco Javier (CSFJ) in the Philippines.
Utilizing a 4-point Likert scale, the study evaluates two primary dimensions:
financial knowledge and financial behavior, focusing on savings, budgeting,
and borrowing. A quantitative research approach was employed, involving a
sample of 345 randomly selected students. The findings suggest that while

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

students exhibit a general understanding of financial concepts, there are

significant gaps in their practical application, particularly in areas like
compound interest and investment strategies. No significant gender
differences in financial literacy were found. The study concludes with
recommendations for targeted financial education programs that address
these gaps, ensuring that students are better prepared for financial challenges
in adulthood.

According to Ruel S Vicente, Loyd C Flores, Ronald Almagro, Mary

Rose V Amora, Jocel P Lopez (2023), this research examined the literature
regarding optimal Financial Management practices in Education through a
systematic review analysis approach. This research sought to address the
subsequent inquiries: 1. The demographic information in the current literature
regarding optimal Financial Management practices in Education, focusing on
country, research methodology, and participant count. Please provide the text
you would like me to paraphrase. The most effective strategies for Financial
Management in Education, and 3. Suggestions for additional research can be
found by examining existing literature on an educational strategic approach
rooted in aspects of financial management. The systematic analysis revealed
themes regarding the best practices in Financial Management within
Education. Based on the demographics present in the literature, there have
been limited studies on this topic in Western nations and Southeast Asia.
Consequently, this comprehensive and systematic investigation of educational
literature aimed to pinpoint the primary best practices in financial
management for education. Ultimately, we anticipate that the framework
provided by this research and the summary of the educational literature on
optimal practices and financial management aimed to pinpoint the essential
best practices of financial management in education. Ultimately, we anticipate
that the framework provided by this research and the summary of challenges
outlined here will aid in enhancing school leaders' approaches to strategic
financial management and act as a foundation for future studies and policy
formulation.

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 College of Arts and Sciences of Asia and The Pacific
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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

According to Ysabella P Cainglet, Jose Neil M Hortillo, Reynold D Tan,

financial literacy is crucial for economic development and decision-making. A
study assessing the financial literacy, attitude, and behavior of University of
the Philippines Visayas students found that males scored higher in financial
literacy than females. However, female college students have become more
aware of the importance of financial literacy during the pandemic. Females
perform better in financial planning, and males tend to save regularly. This
study highlights the need for gender-responsive financial literacy courses and
national financial inclusion policies. Governments and institutions are
establishing programs to promote inclusive finance, with Mexico leaders
expressing the need for financial education at the 2012 G20 Summit.

Local Studies

Maria Clara Santos (2022) investigates the level of financial literacy

among senior high school students in various regions of the Philippines,
including urban and rural settings. It highlights the correlation between
financial literacy and effective financial behaviors, such as budgeting, saving,
and investment. The findings suggest that students with higher financial
literacy tend to adopt better financial practices, which can be beneficial in
achieving their financial goals.

According to Moore et al. (2021), financial challenges faced by Grade

11 students in a public school and their coping mechanisms. Existing
research highlights the link between financial stress and academic
performance (Moore et al., 2021), with financial difficulties significantly
impacting Filipino1 students (Bernardo & Resurreccion, 2018; Philippine
Statistical Authority, 2015). While some studies suggest a correlation between
higher income and reduced depressive symptoms (Madarang, 2022), a gap
exists in research specifically addressing the financial struggles and coping
strategies of senior high school students in public schools. This study aims to
fill this gap by providing original insights into this critical area. The researchers,

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 College of Arts and Sciences of Asia and The Pacific
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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

who are senior high school teachers, found limited existing literature on this
specific student population.

According to Hoang and Le (2020) and Tan and Ooi (2018),Habitual

behavior, driven by past experiences, significantly influences online food
purchasing patterns (Hoang & Le, 2020; Tan & Ooi, 2018). Factors like age
and consumer experience affect these habits, supporting the measurement of
spending habits used in this study (Ooi, 2018). Research indicates that
students often overspend despite understanding the importance of saving
(Jeevitha & Priya, 2019), highlighting the need for financial literacy to curb
impulsive spending. Young adults' spending habits are increasingly crucial in
financial management (Henry et al., 2019; Parotta & Johnson, 2018; Bona et
al., 2018), impacting their financial well-being and future opportunities. Careful
financial tracking can mitigate overspending and poor financial decisions
(Bona, 2018), with consequences extending beyond personal finances to
influence relationships.

According to (Bona et al., 2018), requiring financial literacy to manage

personal finances, avoid debt, and prevent bankruptcy (Sundarasen et al.,
2016). Spending habits significantly impact financial management (Tuliao,
2019). Financial management involves understanding, analyzing, and
communicating personal financial matters (Vitt et al., 2000; Atkinson & Messy,
2012), prioritizing needs over wants (Chinen & Endo, 2012), and leading to
improved self-discipline, risk management, and reduced stress (121FCU,
2022). Financial illiteracy among Filipinos contributes to unwise spending and
economic inequality (National Economic and Budget Authority, 2018),
emphasizing the importance of financial education for young adults. Spending
habits evolve over time, influenced by trends and marketing (Bona, 2017),
with young adults representing a significant consumer group (Leyco, 2022).
Globalization and social media marketing drive increased spending on wants
rather than needs, particularly among Generation Z. Student budgeting
involves managing limited resources, often provided by parents or guardians.

16
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Responsible spending is crucial in the face of rising inflation and debt in the
Philippines (Leyco, 2022), starting with managing allowances. Parental
influence, financial independence, and part-time employment affect budgeting
behaviors (Robb & Sharpe, 2009; Shim et al., 2009). Further research is
needed to understand the specific financial behaviors of Filipino young adults
within their cultural context to develop targeted financial education programs.

Norodin D. Salam, Marwisa Sedik-Salam (2018) asserts that

contemporary finance management continues to present unique difficulties for
government agencies. These operational challenges include problems with
proper record keeping, delayed financial reporting, insufficient financial
sourcing expertise, and regulatory compliance.

17
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

CHAPTER III
RESEARCH METHODOLOGY

Method of Research Used

This study made use of a qualitative analysis approach as it requires

numerical data to represent certain characters in the research. It involves
using the Convenience Sampling Method for collecting respondents as it is
convenient and faster. researchers utilized the system of answering survey
questionnaires to gather the necessary data for the best methods on
maximizing resources. As the data acquired are in numerical values, the
researchers will have wider and more accurate results on the subject.

Sources of Data

Researchers use primary sources of data to identify the best ways to

use your budget in an efficient way. It will give them a clear view of what is
more effective and why does it work for the respondents. If the grade 11
students have a proper understanding of the positive and negative sides
about that methods.

i
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Data Gathering Method

The researchers will use survey questionnaires to gather data needed

for the study. The respondents are required to answer every single question
provided by the researcher in the survey.

Data Gathering Procedure

The researchers will have to submit a letter to the principal, stating the
time and date of the survey taking place. Taking the population of the
students will take place right after by asking each adviser for the students in
their class.
After the letter gets signed and approved, the researchers can now
conduct the surveys throughout the selected students. The researchers then
will hand out the questionnaires to the students in their free time. Then, wait
until the students are done answering and help them with questions they need
a better understanding of. The survey will only last less than 15 minutes,
depending on how quickly they can progress through the questions.

Ethical Considerations

The researchers are required to ask the respondents for permission to

conduct the survey as it is recorded. The identity of the students can be
confidential while answering if desired.

Research Hypothesis

Null Hypothesis

Ho: The Grade 11 students of College of Arts and Sciences of Asia and the
Pacific have no effective way to manage money.

19
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Alternative Hypothesis

Ha: The Grade 11 students of College of Arts and Sciences of Asia and the
Pacific have strategies that are effective and work efficiently on financing
budget.

Definition of Terms

Alternative - something that is different from something else, especially from

what is usual, and offering the possibility of choice

Achieving - Successfully bring about or reach by effort, skill, or courage.

Acquired - To come into possession, ownership, or control of.

Beneficial - Favorable or advantageous; resulting in good.

Ethical - Relating to moral principles or the branch of knowledge dealing with

these.

Maximizing - Make as large or great as possible.

20
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

CHAPTER IV
PRESENTATION, ANALYSIS, AND INTERPRETATION OF
DATA

This chapter contains the presentation, analysis, and interpretation of

the data that was gathered by the researchers through the data gathering
procedure they have done. It also contains the discussion of its analysis and
interpretation.

TALLY SHEET

STRAND RESPONDENTS PERCENTAGE

ABM 25 12.9%

HUMSS 54 27.8%

STEM 42 21.6%

TVL – H.E 50 25.8%

TVL – I.C.T 23 11.9%

TOTAL 194 100%

GENDER RESPONDENTS PERCENTAGE

MALE 97 50%

FEMALE 97 50%

TOTAL 194 100%

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

SECTION RESPONDENTS PERCENTAGE

ABM WON 25 12.9%

HUMSS YEN 27 13.9%

HUMMS PESO 27 13.9%

STEM DOLLAR 21 10.8%

STEM EURO 21 10.8%

TVL – H.E DINAR 25 12.9%

TVL – H.E RUPEE 25 12.9%

TVL – I.C.T 23 11.9%

TOTAL 194 100%

AGE RESPONDENTS PERCENTAGE

15 10 5.2%

16 77 39.7%

17 80 41.2%

18 17 8.8%

19 6 3.1%

20 2 1.0%

21 2 1.0%

TOTAL 194 100%

22
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

QUESTIONS
1. As a student, is it difficult for you to save and plan your expenses everyday?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 14 6 5 - -

HUMSS 22 11 6 1 14

STEM 26 6 10 - -

TVL – H.E 19 29 2 - -

TVL – I.C.T 14 2 3 - 4

TOTAL 95 54 17 1 18

2. Do you think factors like school events, projects, and other academic works
affect your spending habits?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 11 4 2 1

HUMSS 19 13 8 - -

STEM 20 18 2 1 1

TVL – H.E 16 38 2 2 -

TVL – I.C.T 7 12 8 1 1

TOTAL 69 92 24 6 3

23
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

3. Do you think your way of managing is the most effective at your current
situation?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 11 4 2 1

HUMSS 19 13 10 3 9

STEM 16 18 7 - -

TVL – H.E 17 20 10 3 -

TVL – I.C.T 14 9 - - -

TOTAL 73 71 31 8 10

4. Does having an extra side of savings help with things other than academic
purposes?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 11 3 - -

HUMSS 32 13 4 3 2

STEM 16 23 2 - -

TVL – H.E 17 26 5 2 -

TVL – I.C.T 14 4 2 1 2

TOTAL 90 77 16 6 4

24
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

5. Did the saved up cash help you achieve your goals efficiently?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 8 13 4 - -

HUMSS 48 6 - - -

STEM 16 14 5 7 -

TVL – H.E 16 21 9 3 1

TVL – I.C.T 8 9 4 1 1

TOTAL 96 63 22 11 2

6. Is your way of managing money effective on achieving certain financial

goals?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 4 11 7 2 1

HUMSS 26 19 6 1 2

STEM 12 16 10 4 -

TVL – H.E 18 15 11 3 3

TVL – I.C.T 10 10 3 - -

TOTAL 70 71 37 10 6

25
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

7. Does trying different methods to save cash or allowance help you?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 9 4 1 -

HUMSS 24 13 8 2 2

STEM 15 18 9 - -

TVL – H.E 17 21 11 1 -

TVL – I.C.T 9 3 7 1 3

TOTAL 76 64 39 5 5

8. Does having a budget at a certain point help at being more effective when it
comes to spending and saving?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 11 3 1 -

HUMSS 19 22 9 3 1

STEM 10 20 6 4 2

TVL – H.E 16 24 7 3 -

TVL – I.C.T 17 1 3 1 1

TOTAL 72 78 28 12 4

26
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

9. Are the amounts of expenses at school and other things outside academic
greatly affect how much you can save?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 9 12 4 - -

HUMSS 22 29 10 - -

STEM 20 17 4 1 -

TVL – H.E 12 30 8 - -

TVL – I.C.T 5 13 3 - -

TOTAL 68 101 29 1

10. Do you think there are more efficient ways to budget and finance the
saved up allowance when it comes to achieving certain goals?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 10 5 - -

HUMSS 29 15 9 1 -

STEM 15 20 7 - -

TVL – H.E 17 15 15 3 -

TVL – I.C.T 11 5 1 1 5

TOTAL 82 65 37 5 5

27
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

11. Do you think your spending habits lead to a major effect on how you save?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 12 3 - -

HUMSS 18 28 6 - 2

STEM 26 15 1 - -

TVL – H.E 13 27 8 2 -

TVL – I.C.T 12 7 3 1 -

TOTAL 79 89 21 3 2

12. Does your spending habits include your wants in life?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 9 5 - -

HUMSS 22 26 5 - 1

STEM 19 16 6 1 -

TVL – H.E 12 28 9 1 -

TVL – I.C.T 16 4 2 - -

TOTAL 80 83 27 2 1

28
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

13. Does the spending make you want to manage your finances less?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 9 11 5 - -

HUMSS 25 21 8 - -

STEM 16 15 8 1 -

TVL – H.E 11 28 11 - -

TVL – I.C.T 15 7 1 - -

TOTAL 76 82 33 1 -

14. Despite the expenses, can you still manage your allowance everyday?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 8 7 2 1

HUMSS 25 17 8 1 3

STEM 12 14 14 2 -

TVL – H.E 8 25 13 4 -

TVL – I.C.T 12 10 1 - -

TOTAL 64 74 43 9 4

29
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

15. Do you think the way you save affects how much you can spend on a
daily basis?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 12 9 4 - -

HUMSS 20 22 10 - 2

STEM 19 17 6 - -

TVL – H.E 13 29 6 2 -

TVL – I.C.T 13 3 2 1 1

TOTAL 77 80 28 3 3

30
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

RESEARCH SURVEY QUESTIONAIRE

31
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

STATISTICAL TREATMENT
1. Weighted Mean. The Weighted Mean formula was used to compute the
weight of the respondents in every given question in the survey. This was
used to determine the average of the different factors influencing the
behaviors on expenditures shown in the survey questionnaire.

where x = observed values in the sample

n = sample size

32
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

2. Likert Scale. Likert Scale was used as a guide for interpreting the data
gathered. In this study, the researchers used a 5-level likert scale of
satisfaction: Strongly Agree (5), Agree (4), Neutral (3), Disagree(2), Strongly
Disagree (1). These will serve as the respondents' option in answering the
survey.

R = LV-SV INTERVAL = 4/5

= 5-1 = 0.80
R=4

BUDGET PLANNING

33
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

MANAGING EXPENSES

SPENDING HABITS

34
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

OVERALL HABITS

DATA INTERPRETATION
STRAND

Based on the findings

above, there are 5
strands involved in the
study. ABM, HUMSS,
STEM, TVL-HE, and TVL-
ICT. ABM has a total of
25 respondents, which is
12.9%. HUMSS has a
total of 54 respondents
that come out to 27.8%.
STEM follows with over

35
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

42 respondents equivalents to 21.6%. TVL-HE comes down to 50

respondents, which equals 25.8% in the graph. Lastly, TVL- ICT has a total of
23 respondents, which is 11.9%, totalling 194 respondents and 100%.

GENDER

According to the data

above, there are two
categories: Male and
female among Grade 11
students In College of Arts
and Sciences of Asia and
the Pacific. Females are at
50% and Male are also at
50%, totalling 100%

SECTION

Based on the acquired data

above, there are 8 sections
among Grade 11 students
in the College of Art and
Sciences of Asia and the
Pacific. WON has 25
respondents, which comes
out to 12.9%. YEN and
PESO both have a total of
54 responses, which is
13.9% STEM DOLLAR and
EURO combined have 42

36
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

respondents, which totals to 10.8%. TVL- HE RUPEE and DINAR have 50

respondents and are at 12.9% for both sections. Lastly, TVL- ICT DIRHAM
has 23 respondents that comes out to 11.9%, totalling to 194 respondents
and 100%
AGE

Based on the date above,

the leading ages between
Grade 11 students in the
College of Art and Sciences
of Asia and the Pacific are
17 years old, taking it at
41.2%. This is followed by
16 years old at 39.7%. The
following small categories
are 15 years old, which is
5.2%, 18 years old at 8.8%.

The last few ages are 19 years old at 3.1%, 20 and 21 both at 1.0% totalling
to 100%.

1. As a student, is it difficult for you to save and plan your expenses everyday?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 14 6 5 - -

HUMSS 22 11 6 1 14

STEM 26 6 10 - -

TVL – H.E 19 29 2 - -

TVL – I.C.T 14 2 3 - 4

37
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TOTAL 95 54 17 1 18

The responses indicate that the majority of students find it challenging

to save and manage their daily [Link] students across all strands
face difficulties in saving and managing their daily expenses, possibly due to
school-related costs, personal spending habits, or lack of financial literacy.

2. Do you think factors like school events, projects, and other academic works
affect your spending habits?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 11 4 2 1

HUMSS 19 13 8 - -

STEM 20 18 2 1 1

TVL – H.E 16 38 2 2 -

TVL – I.C.T 7 12 8 1 1

TOTAL 69 92 24 6 3

The responses suggest that the majority of students believe school-

related activities significantly impact their spending Most students
acknowledge that school events, projects, and other academic requirements
increase their expenses, making it harder to save money. This suggests that
students may struggle with financial planning due to academic demands.

38
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

3. Do you think your way of managing is the most effective at your current
situation?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 11 4 2 1

HUMSS 19 13 10 3 9

STEM 16 18 7 - -

TVL – H.E 17 20 10 3 -

TVL – I.C.T 14 9 - - -

TOTAL 73 71 31 8 10

The majority response is "Strongly Agree" with 73 responses. While

"Agree" is close at 71 responses, "Strongly Agree" has a slightly higher count,
making it the majority.

4. Does having an extra side of savings help with things other than academic
purposes?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 11 3 - -

HUMSS 32 13 4 3 2

STEM 16 23 2 - -

TVL – H.E 17 26 5 2 -

39
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TVL – I.C.T 14 4 2 1 2

TOTAL 90 77 16 6 4

The majority response is "Strongly Agree" with 90 responses."Strongly

Agree" clearly outnumbers "Agree" (77) and all other response [Link]
majority of students strongly agree that their current way of managing is
effective. The majority of students strongly agree that having extra savings
helps with non-academic purposes.

5. Did the saved up cash help you achieve your goals efficiently?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 8 13 4 - -

HUMSS 48 6 - - -

STEM 16 14 5 7 -

TVL – H.E 16 21 9 3 1

TVL – I.C.T 8 9 4 1 1

TOTAL 96 63 22 11 2

The majority response is "Strongly Agree" with 96 responses."Strongly

Agree" has significantly more responses than any other [Link]
indicates a strong consensus that saved-up cash is perceived as helpful in
achieving goals efficiently.

6. Is your way of managing money effective on achieving certain financial

goals?

40
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 4 11 7 2 1

HUMSS 26 19 6 1 2

STEM 12 16 10 4 -

TVL – H.E 18 15 11 3 3

TVL – I.C.T 10 10 3 - -

TOTAL 70 71 37 10 6

Most respondents feel that their approach to money management is at

least somewhat effective in reaching their financial objectives. This is reflected
in the significant number of "Agree" (71) and "Strongly Agree" (70) answers in
comparison to the combined "Disagree" (10) and "Strongly Disagree" (6)
responses when analyzing the total responses across all strands. The
HUMSS strand displays a notably high ratio of affirmative responses.

7. Does trying different methods to save cash or allowance help you?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 9 4 1 -

HUMSS 24 13 8 2 2

STEM 15 18 9 - -

TVL – H.E 17 21 11 1 -

TVL – I.C.T 9 3 7 1 3

41
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TOTAL 76 64 39 5 5

The responses are organized according to educational strand (ABM,

HUMSS, STEM, TVL - H.E, TVL - I.C.T) and level of agreement (Strongly
Agree, Agree, Neutral, Disagree, Strongly Disagree). The data reveals a
largely positive response, with most students agreeing that trying various
saving methods is beneficial. The HUMSS strand shows the greatest number
of "Strongly Agree" responses.

8. Does having a budget at a certain point help at being more effective when it
comes to spending and saving?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 11 3 1 -

HUMSS 19 22 9 3 1

STEM 10 20 6 4 2

TVL – H.E 16 24 7 3 -

TVL – I.C.T 17 1 3 1 1

TOTAL 72 78 28 12 4

The respondents suggest that having a budget at a specific time aids

them in managing their spending and saving more effectively. This is
evidenced by the overwhelmingly positive responses in the "Strongly Agree"
(72) and "Agree" (78) categories in the total row. A significant majority of
respondents from all academic strands believe that budgeting has a positive
effect on their financial management. The relatively low number of negative
responses further strengthens this conclusion.

42
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

9. Are the amounts of expenses at school and other things outside academic
greatly affect how much you can save?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 9 12 4 - -

HUMSS 22 29 10 - -

STEM 20 17 4 1 -

TVL – H.E 12 30 8 - -

TVL – I.C.T 5 13 3 - -

TOTAL 68 101 29 1

The respondents strongly concur that the levels of expenses at school

and other activities outside of academics significantly influence their savings
capacity. This is clearly shown by the total number of "Agree" (101) and
"Strongly Agree" (68) responses, which make up a substantial majority
compared to the very minimal "Disagree" (1) responses. The high number of
affirmative responses across all academic strands indicates that this is a
commonly held belief among respondents.

10. Do you think there are more efficient ways to budget and finance the
saved up allowance when it comes to achieving certain goals?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 10 5 - -

HUMSS 29 15 9 1 -

43
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

STEM 15 20 7 - -

TVL – H.E 17 15 15 3 -

TVL – I.C.T 11 5 1 1 5

TOTAL 82 65 37 5 5

A considerable majority of respondents think that there are more

efficient methods for budgeting and managing saved allowances when striving
to achieve certain goals. This is apparent in the total number of "Strongly
Agree" (82) and "Agree" (65) responses, which significantly surpass the
combined "Disagree" (5) and "Strongly Disagree" (5) responses. Although a
considerable number of respondents are neutral (37), the positive responses
strongly indicate a widespread belief in the potential for improved financial
management strategies.

11. Do you think your spending habits lead to a major effect on how you save?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 10 12 3 - -

HUMSS 18 28 6 - 2

STEM 26 15 1 - -

TVL – H.E 13 27 8 2 -

TVL – I.C.T 12 7 3 1 -

TOTAL 79 89 21 3 2

44
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

The majority of respondents (86.2%) agree that their spending habits

have a significant impact on their ability to save, emphasizing the importance
of responsible spending in achieving financial goals.

12. Does your spending habits include your wants in life?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 11 9 5 - -

HUMSS 22 26 5 - 1

STEM 19 16 6 1 -

TVL – H.E 12 28 9 1 -

TVL – I.C.T 16 4 2 - -

TOTAL 80 83 27 2 1

The majority of respondents (84.9%) agree that their spending habits

include their life's wants, implying that many people prioritize fulfilling their
desires when making purchases.

13. Does the spending make you want to manage your finances less?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 9 11 5 - -

HUMSS 25 21 8 - -

STEM 16 15 8 1 -

TVL – H.E 11 28 11 - -

45
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TVL – I.C.T 15 7 1 - -

TOTAL 76 82 33 1 -

The majority of respondents (82.3%) believe that spending reduces

their motivation to manage their finances, implying that overspending can lead
to financial management complacency.

14. Despite the expenses, can you still manage your allowance everyday?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 7 8 7 2 1

HUMSS 25 17 8 1 3

STEM 12 14 14 2 -

TVL – H.E 8 25 13 4 -

TVL – I.C.T 12 10 1 - -

TOTAL 64 74 43 9 4

The majority of respondents (74%) agree that they can still manage
their allotment every day despite spending, suggesting competent financial
management.

46
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

15. Do you think the way you save affects how much you can spend on a
daily basis?

STRAND STRONGLY AGREE NEUTRAL DISAGREE STRONGLY

AGREE DISAGREE

ABM 12 9 4 - -

HUMSS 20 22 10 - 2

STEM 19 17 6 - -

TVL – H.E 13 29 6 2 -

TVL – I.C.T 13 3 2 1 1

TOTAL 77 80 28 3 3

The majority of respondents (157 or 82.2%) strongly agree or agree

that the way they save influences their daily expenditures, emphasizing the
importance of saving practices in deciding daily expenses.

47
 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

CHAPTER V
SUMMARY OF FINDINGS, CONCLUSION, AND
RECOMMENDATIONS

This chapter presents the summary of the study. It includes the

conclusions drawn and recommendations offered.

CONCLUSION
The researchers employed quantitative research about analyzing the
best practices for maximizing resources in Achieving Financial Goals among
Grade 11 students College of Arts and Sciences of Asia and the Pacific
Rodriguez Campus. The techniques used are Slovin and Convenience
sampling to get the sample of 194 out of 375 population of Grade 11 students.
The questionnaires utilized "Likert Scale" that ranges from "Strongly Agree" to
"Strongly Disagree" comprising of 15 questions. Demographic profiles are
also included, like names that are optional, age, section, strand, and gender.
Analyzing the gender distribution among Grade 11 students is 50% male and
50% female
The data collected revealed insights from Grade 11 students in the
College of Art and Sciences of Asia and the Pacific having 5 strands:
Accountancy Business and Management (ABM), Humanities and Social
Sciences (HUMSS), Science Technology Engineering and Mathematics
(STEM), Technical-Vocational-Livelihood Home Economics (TVL-HE), and
Technical-Vocational-Livelihood Information and Communication Technology
(TVL-ICT). Humanities and Social Sciences (HUMSS) being the biggest out of
all strands at 27.8%, followed by Technical-Vocational-Livelihood Home
Economics (TVL-HE) at 25.8%, Science Technology Engineering and
Mathematics (STEM) at 21.6%, Accountancy and Business Management
(ABM) at 12.9% and Technical-Vocational-Livelihood Information and
Communication Technology (TVL-ICT) as the smallest with 11.9%

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 College of Arts and Sciences of Asia and The Pacific
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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

The results of the survey tell that Grade 11 students of College of Arts
and Sciences of Asia and the Pacific Rodriguez Campus indeed have good to
great financial skills when it comes to budgeting and managing expenses. The
study indicates a majority of students agreeing that the techniques and
strategies they use work efficiently at their current situation when it comes to
dealing with academic, needs, wants, and any other expenses. Additionally,
students in HE and STEM are in favour of their ways as their strands have
many things to put money on, resulting in them being more careful where they
will spend their money and how much they can save.
In conclusion, the Grade 11 students in College of Art and Sciences of
Asia and the Pacific Rodriguez Campus have great managing skills when it
comes to financing their money and being financially literate on where to
spend and how to save. The study indicates that the student's strategies are
effective when it comes to achieving financial success in academic and non-
academic needs, leading to a better and more efficient future for themselves.

RECOMMENDATIONS
1. Financial Literacy for Students It should be taught in schools under
courses like economics, personal development, and mathematics. Arrange
seminars and workshops with financial specialists to equip students with real
strategies for investing, saving, and budgeting. Introduce financial simulation
activities for students to practice, such as budgeting simulations or simulated
investing portfolios to further improvement their existing skills.
2. Programs for Parental Involvement Parents should be encouraged to
discuss money openly with their kids so as to teach them about budgeting,
saving, and responsible spending. Schools could even include groups of
parents and students in financial education seminars to enhance cooperative
learning. Such programs will empower parents to teach practical lessons at
home, like administration of allowances and setting savings goals.
3. Teachers' Support These will enhance teachers' capacity to instruct on
financial literacy by giving them professional development on financial
curriculum delivery techniques. In an effort to teach financial education with

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

understanding, simple teaching resources, such as lesson plans, digital tools,

and case studies, should be created. Foster partnerships with financial
institutions for current resources and hands-on expertise.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

REFERENCES
Ahmad et al (2024) - Understanding the Relationship Between Financial
Literacy and Spending Habits of University Students. Kwpublications.
[Link]
the-relationship-between-financial-literacy-and-spending-habits-in-
[Link]
Baer et al (2023) - The Effects of Financial Literacy On Senior High School
Students. Scribd. [Link]
EFFECTS-OF-FINANCIAL-LITERACY-ON-SENIOR-HIGH-SCHOOL-
STUDENTS
Brown and Green (2014) - Issues and Trends in Instructional
Technology: Maximizing Budgets and Minimizing Costs in Order to
Provide Personalized Learning Opportunities. ERIC.
[Link]
Cainglet et al (2022) - Financial Literacy, Attitude, and Behavior of Female
and Male College Students: The Case of the University of the
Philippines Visayas. Google Scholar.
[Link]
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lege+Students%3A+The+Case+of+the+University+of+the+Philippines+
Visayas&btnG=#d=gs_qabs&t=1733488117699&u=%23p%3DBXLVK-
WrIy0J
Cordero et al (2022) - Financial Education and Student Financial Literacy: A
cross-country analysis using PISA 2012 Data. Research Gate.
[Link]
ion_and_student_financial_literacy_A_crosscountry_analysis_using_PI
SA_2012_data
Fiergbor (2020) - The Habit of Savings Among College Students. Wiserpub.
[Link]
Da Silva (2017) - Financial Education of High School Students and it's
Economic Reflections. Science Direct.
[Link]

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

De Guzman et al (2023) - The Financial Literacy and Financial Behavior of

College Students in a State University in the Philippines. Abacademies
[Link] practice
[Link]
Dela Rama et al (2024) - ASSESSING THE FINANCIAL LITERACY OF
SENIOR HIGH SCHOOL AND COLLEGE STUDENTS: A
COMPREHENSIVE ANALYSIS. Google Scholar.
[Link]
ING+THE+FINANCIAL+LITERACY+OF+SENIOR+HIGH+SCHOOL+A
ND+COLLEGE+STUDENTS%3A+A+COMPREHENSIVE+ANALYSIS&
btnG=#d=gs_qabs&t=1733488216963&u=%23p%3DnWQucmucNpcJ
García-Santillán et al (2021) - Money Management, Savings and Investment
as Central Topics in Financial Education: How Do High School
Students Perceive Them?ERIC. [Link]
bclid=IwZXh0bgNhZW0CMTEAAR6vECggFuI9Lqp0ZDRGpTu0CGG3
5Yi62eRISEEF8BNour_ppGIxAtnsep6QQ_aem_yBedLVJWcImqR4TG
rij9Og
Kingsley et al (2024) - Financial planning behaviour: a systematic literature
review and new theory development. Springer .
[Link]
Lucardi et al(2020) - Finance Literacy and the need for Financial Education:
Evidence and Implications
[Link]
Lucero (2023) - Budgeting Practices of Financial Management Students of
Tarlac Agricultural University. Research Gate
[Link]
Polinar et al (2023) - Reality Check: Financial Challenges and Coping
Mechanisms of the Grade 11 Students. Research Gate.
[Link]
inancial_Challenges_and_Coping_Mechanisms_of_the_Grade_11_Stu
dents

52
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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Pascual, and Santos-Recto (2023) - Financial Literacy and Practices of

Students in Central Luzon State University, Philippines. Abacademies.
[Link]
Santos (2022) - Financial Literacy Among The Senior High School Students
Basis For Financial Stewarship Plan. Research Gate. [Link]
[Link]/publication/379181181_Financial_Literacy_Among_the_Se
nior_High_School_Students_Basis_for_Financial_St ewardship_Plan
Salam, and Sedik-Salam (2018) - Best Practices on Financial
Management: A Collaborative Academic Interventions in Cotabato City,
Southern Philippines. Research Gate.
[Link]
on_Financial_Management_A_Collaborative_Academic_Interventions_
in_Cotabato_City_Southern_Philippines
Suwarno et al (2023) - Optimizing Budget Allocation: A Strategic Framework
for Aligning Human Resource Investments with Financial Objectives
and Business Goals. ATESTASI.
[Link]
Jain and Seghal (2023) - Statistical Decision Making of Spending and
Savings Habits among Students of Delhi NCR Region. Research Gate.
[Link]
on_Making_of_Spending_and_Savings_Habits_among_Students_of_D
elhi_NCR_Region
Vicente et al (2023) - The Best Practices of Financial Management in
Education: A Systematic Literature Review. Google Scholar.
[Link]
t+Practices+of+Financial+Management+in+Education%3A+A+System
atic+Literature+Review&btnG=#d=gs_qabs&t=1733488044023&u=%2
3p%3D6S9-mgU8t_EJ
Washington DC (2022) - Survey of Locam Juniors and Seniors Reveals Low
Levels of Financial Preparedness. EVERFI. [Link]
releases/survey-of-high-school-juniors-and-seniors-reveals-low-levels-
of-financial-preparedness/

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

XAVIER UNIVERSITY (2024) - The Effect of Financial Literacy and Budgeting

Skills and Financial Skills Among Finance Students Of One of the
Universities in Cagayan De Oro. Research Gate.
[Link]
nancial_Litercy_and_Budgeting_Skills_on_Financial_Wellbeing_Amon
g_Finance_Students_of_One_of_the_Universities_in_Cagayan_de_Or
o

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 College of Arts and Sciences of Asia and The Pacific
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85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX A

ENDORSEMENT LETTER FROM ADVISER

March 27, 2025

MR. JOHN MARVIN VILLACORTE
Panel Member, CASAP Rodriguez

Greetings!
As the research adviser of the study entitled “Analyzing the Best
Practices for Maximizing Resources in Achieving Financial Goals
Among Grade 11 Students in College of Arts and Science in Asia and
the Pacific Academic Year 2024-2025”, upon the review of the attached
paper, it is hereby accepted, and I hereby endorsed the above mentioned
research paper to the evaluation committee for the final defense.
The final defense is schedule on April 4, 2025 at 2:30 PM.
I am looking forward to your positive response! Thank you and stay
safe!

Sincerely,

MR. WENDELL G. CUERQUIS

Research Adviser

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX A

ENDORSEMENT LETTER FROM ADVISER

March 27, 2025

MR. MARK JAMES PAJOTA
Panel Member, CASAP Rodriguez

Greetings!
As the research adviser of the study entitled “Analyzing the Best
Practices for Maximizing Resources in Achieving Financial Goals
Among Grade 11 Students in College of Arts and Science in Asia and
the Pacific Academic Year 2024-2025”, upon the review of the attached
paper, it is hereby accepted, and I hereby endorsed the above mentioned
research paper to the evaluation committee for the final defense.
The final defense is schedule on April 4, 2025 at 2:30 PM.
I am looking forward to your positive response! Thank you and stay
safe!

Sincerely,

MR. WENDELL G. CUERQUIS

Research Adviser

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX A

ENDORSEMENT LETTER FROM ADVISER

March 27, 2025

MR. MARK ANGELO SURIO
Panel Member, CASAP Rodriguez

Greetings!
As the research adviser of the study entitled “Analyzing the Best
Practices for Maximizing Resources in Achieving Financial Goals
Among Grade 11 Students in College of Arts and Science in Asia and
the Pacific Academic Year 2024-2025”, upon the review of the attached
paper, it is hereby accepted, and I hereby endorsed the above mentioned
research paper to the evaluation committee for the final defense.
The final defense is schedule on April 4, 2025 at 2:30 PM.
I am looking forward to your positive response! Thank you and stay
safe!

Sincerely,

MR. WENDELL G. CUERQUIS

Research Adviser

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX A

ENDORSEMENT LETTER FROM ADVISER

March 27, 2025

MR. CLINTON PROCESO
Panel Member, CASAP Rodriguez

Greetings!
As the research adviser of the study entitled “Analyzing the Best
Practices for Maximizing Resources in Achieving Financial Goals
Among Grade 11 Students in College of Arts and Science in Asia and
the Pacific Academic Year 2024-2025”, upon the review of the attached
paper, it is hereby accepted, and I hereby endorsed the above mentioned
research paper to the evaluation committee for the final defense.
The final defense is schedule on April 4, 2025 at 2:30 PM.
I am looking forward to your positive response! Thank you and stay
safe!

Sincerely,

MR. WENDELL G. CUERQUIS

Research Adviser

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX B

APPROVED LETTER FROM VALIDATORS OF SURVEY QUESTIONNAIRE

January 27, 2025

From:
The Researchers
Greetings!
We are conducting a research entitled, “Analyzing the Best Practices for
Maximizing Resources in Achieving Financial Goals Among Grade 11
Students in College of Arts and Science in Asia and the Pacific
Academic Year 2024-2025”, as partial requirement in the subject Inquiries,
Investigation, and Immersion.

In connection with this, we would like to ask for your approval for our
questionnaire to our thesis, please feel to judge our questionnaire or request
for changes to the questions. We would like to appreciate your response and
support in this thesis questionnaire. Thank you very much for your
cooperation.
Approved by
MR. WENDELL G. CUERQUIS
Research Adviser

Approved by:
MR. CLINTON PROCESO
Research Statistician

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX C
SURVEY QUESTIONNAIRE

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX D
PERMISSION TO CONDUCT STUDY

August 26, 2024

MR. ERWIN E. OLING

School Director
CASAP, Rodriguez Campus

THRU: MS. NICOLE C. NICOLAS

School Principal
CASAP, Rodriguez Campus

Dear Ma’am/Sir.

Greetings!

I am writing to request your permission to conduct research on “Analyzing

the Best Practices for Maximizing Resources in Achieving Financial
Goals Among Grade 11 Students in College of Arts and Science in Asia
and the Pacific Academic Year 2024-2025” within the College of Arts and
Sciences of Asia and the Pacific on March 4, 2025 and will be concluded
by March 6, 2025.

The purpose of this research is to Find the best and more efficient ways to
manage and save finances. The findings of this research will contribute to
the improvement of Having better practices on saving allowance for
academic and personal needs.

I assure that the research will be conducted with the utmost professionalism,
following all ethical standards and regulations. Any information obtained
during the research process will be handled with confidentiality and used
solely for the purpose stated in the outline above.

Moreover, I am willing to provide any necessary documentation, such as

research proposals, consent, and clearance certificates, to ensure total
compliance with all relevant guidelines.

I kindly request your approval and would be grateful for any guidance or
assistance you can offer in facilitating the process.

Thank you for considering my request. I look forward to your immediate

response.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

Sincerely,

De Pedro, Hannah Jane Amanda B.

Research Representative

Mr. Wendell G. Cuerquis

Research Adviser

Ms. Nicole C. Nicolas, LPT

School Principal

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX E
DOCUMENTATION OF DATA GATHERING

NARRATIVE REPORT

A SEMINAR DEFINING ANALYZING THE BEST PRACTICES FOR

MAXIMIZING RESOURCES IN ACHIEVING FINANCIAL
GOALS AMONG GRADE 11 STUDENTS

On the 4th day of February year 2025 we conducted a seminar about

our study titled Analyzing the Best Practices for Maximizing Resources in
Achieving Financial Goals among Grade 11 students in College of Art and
Sciences of Asia and the Pacific Academic Year 2024-2025. Our goal for
our study is to find the most efficient ways for students to save and budget
their income or allowances that they receive.

Our team of researchers was the first to perform our seminar at

around 12 in the afternoon. Ms. Tarrobal and Ms. Isbain gathered the
students we needed at an unbusy classroom and prepared the chairs that
the students would be sitting in. We cleaned the classroom and decorated
the board as the students came.

We managed to collect 60 students

to attend our seminar although they
ate very rowdy and we found it hard
to make them settle down so we
could begin, but after some time we
managed.

After that, Mr Reolalas prepared our presentation and the phone

camera we used to document the seminar.

Our team started off with a prayer led by Ms Balmediano, we wished

for a smooth seminar and thanked the students for their time and effort to

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

be here. After praying, I myself proceeded and introduced myself as their host.
I then presented our research title and their knowledge about the topic.

We skipped through the Ice Breaker as their

lunch break was coming to an end and
proceeded to the discussion of our topic.
We decided to save time and went through
our factors and explained how to answer the
questionnaires that we will provide later on.
The students were simply not listening, but I
carried on and elaborated our goals and the
purposes of the study.

We decided to implement seminar so we were guaranteed that our

audience would be able to answer our questions correctly regarding our
topic and leave the classroom with knowledge on how studies like this work.

Our three main factors include spending

habits, Budget Planning, and Managing Expenses.
Spending habits is finding out where does most of
the money go when they are given the allowance.
Does it go to academics, transportation, lunch,
wants and etc. Budget Planning involves certain
methods the students use to finance their savings
on an everyday basis. Spending Habits talks about

how much they spend on specific things in their daily life. These factors make
up our study as we dive in to find the best suitable strategy that works for
them and is effective when it comes to managing finances.

After my discussion and taking videos with photos, Ms Tarrobal and Ms.
Isbain handed our questionnaires to the students as our seminar came to a
close. Handing most of them, we also decided to prepare the food as a token
of our appreciation for the dear students who attended our seminar. We let

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

them eat and answer the questionnaires as best as they could before I
spoke again, thanking the students for their effort of being here before
collecting the answered papers, ending the seminar.

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX F
APPROVAL LETTER FROM PANEL MEMBER

March 31, 2025

College of Arts and Sciences of Asia and the Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose,
Rodriguez, Rizal, Rodriguez, Philippines
Dear Sir:
Greetings!
In fulfillment of the requirements of the Inquiries, Investigation and Immersion,
our group conducted a research entitled
“Analyzing the Best Practices for Maximizing Resources in Achieving
Financial Goals Among Grade 11 Students in College of Arts and
Science in Asia and the Pacific Academic Year 2024-2025”

In this regard, we are humbly requesting you to sit as our panelist for our Final
Research Defense that will be held on April 4,2025, at 2:30 PM at the
College of Arts and Sciences of Asia and the Pacific, Rodriguez Campus.
Thank you and keep safe!
Respectfully Yours,
DE PEDRO, HANNAH JANE AMANDA B.
Research Leader

Noted by:

MR. MARK JAMES PAJOTA

Panel Member

MR. MARK ANGELO SURIO

Panel Member

MR. CLINTON PROCESO

Panel Member

MR. JOHN MARVIN VILLACORTE

Panel Member

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX G
DOCUMENTATION OF FINAL DEFENSE

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

APPENDIX H
CURRICULUM VITAE

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

DE PEDRO, HANNAH JANE

AMANDA B.
BLK 45 LOT 20, DELA COSTA HOMES V,
BURGOS, RODRIGUEZ, RIZAL
CONTACT NO: 09944961240
Email Address: depedrohannah535@[Link]

PERSONAL INFORMATION

Date of Birth: April 28, 2007

Age: 17

Place of Birth: Sta. Mesa, Manila

Gender: Female

Citizenship: Filipino

Civil Status: Single

Religion: Roman Catholic

Height: 159 cm

Weight: 55 kg

EDUCATIONAL BACKGROUND

Senior High: College of Arts and Sciences of Asia and the Pacific
Rodriguez Campus
Accountancy, Business, and Management
(2023-2025)

Junior High: San Jose National High School

(2019-2023)

Elementary: Froebelian College of Science and Technology

(2013-2019)

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 College of Arts and Sciences of Asia and The Pacific
Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

EDUARTE, ARWIN C.
BLK 11 LOT 61, PHASE 1-A SUB-URBAN,
SAN JOSE, RODRIGUEZ, RIZAL
CONTACT NO.: 09910508864
Email address: kieleduarte@[Link]

PERSONAL INFORMATION

Date of birth: October 6, 2002

Age: 22

Place of birth: San Mateo, Rizal

Gender: Male

Citizenship: Filipino

Civil status: Single

Religion: Roman Catholic

Height: 168 cm

Weight: 50 kg

EDUCATIONAL BACKGROUND
Senior High: College of Arts and Science of Asia and the Pacific
Rodriguez Campus
Accountancy, Business, and Management
(2023-2025)

Junior High: Kasiglahan National High School

(2016-2017)

Elementary: Kasiglahan Village Elementary School

(2022-2023)

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

ISBAIN, SITTI SHANE B.

BLK 9 LOT 11, VILLA SAN ISIDRO, SAN ISIDRO,
RODRIGUEZ, RIZAL
CONTACT NO.: 09506923174
Email address: mikereolalas@[Link]

PERSONAL INFORMATION

Date of birth: April 8, 2007

Age: 18

Place of birth: Tandang Sora, Quezon City

Gender: Female

Citizenship: Filipino

Civil status: Single

Religion: Islam

Height: 173 cm

Weight: 49 kg

EDUCATIONAL BACKGROUND
Senior High: College of Arts and Science of Asia and the Pacific
Rodriguez Campus
Accountancy, Business, and Management
(2023-2025)

Junior High: New Era High School

(2022-2023)

Elementary: Manuel Luiz Quezon Elementary School

(2015-2019)

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

REOLALAS, MIKE ANGEL E.

BLK 3 LOT 9, TAGUMPAY HOUSING, SAN JOSE,
RODRIGUEZ, RIZAL
CONTACT NO.: 09506923174
Email address: mikereolalas@[Link]

PERSONAL INFORMATION

Date of birth: November 20, 2006

Age: 17

Place of birth: Rodriguez, Rizal

Gender: Male

Citizenship: Filipino

Civil status: Single

Religion: Iglesia Ni Cristo

Height: 165 cm

Weight: 50 kg

EDUCATIONAL BACKGROUND
Senior High: College of Arts and Science of Asia and the Pacific
Rodriguez Campus
Accountancy, Business, and Management
(2023-2025)

Junior High: Tagumpay National High School

(2019-2023)

Elementary: Tagumpay Elementary School

(2012-2019)

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Rodriguez Campus
85 D Payatas Road, Brgy. San Jose, Rodriguez, Rizal, Philippines

TARROBAL, JESSHIAN C.
BLK 11 LOT 57 EASTBELLVUE PH1, SAN ISIDRO,
RODRIGUEZ, RIZAL
CONTACT NO.: 09297062053
Email address: jesshiano@[Link]

PERSONAL INFORMATION

Date of birth: May 13, 2007

Age: 17

Place of birth: Rodriguez, Rizal

Gender: Female

Citizenship: Filipino

Civil status: Single

Religion: Roman Catholic

Height: 152 cm

Weight: 65 kg

EDUCATIONAL BACKGROUND
Senior High: College of Arts and Science of Asia and the Pacific
Rodriguez Campus
Accountancy, Business, and Management
(2023-2025)

Junior High: San Isidro National High School

(2019-2023)

Elementary: Kasiglahan Elementary School

(2013-2016)
San Isidro Elemenrary School
(2016-2019)

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