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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2456-4184 | Impact factor: 8.76 | ESTD Year: 2016 Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.76 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI) |
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| Paper Title: | Assessing The Level of Financial Literacy and Financial Stress Among Teachers: Basis for Institutionalized Financial Literacy Program |
| Authors Name: | Annelyn H. Eribal , Mariel G. Villanueva |
| Download E-Certificate: | Download |
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IJNRD_198700
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| Published Paper Id: | IJNRD2306153 |
| Published In: | Volume 8 Issue 6, June-2023 |
| DOI: | |
| Abstract: | ABSTRACT This action research was conducted to assess the level of financial literacy and financial stress among teachers in Colon National High School. It also examines the relationship between these two variables using a combination of quantitative and qualitative types of research. This utilized an adapted and modified from Owusu (2015) survey questionnaire to find out the level of financial literacy and financial stress of the respondents and an interview guide questionnaire through the conduct of focus group discussions and in-depth interview, for the reasons for their financial literacy and financial stress. Data were analyzed using Percentage Count, Mean, and Pearson Product Moment Correlation Coefficient statistical methods. It was found out that the financial literacy of the respondents is at a high level. Conversely, they have a low-level result of financial stress. Furthermore, it reveals that financial literacy has a significant relationship with their financial stress specifically in the aspect of debt management with of r= -0.420 and the p-value of p=0.000. Additionally, through the conduct of focus group discussions and in-depth interviews, the main reason for their financial stress pertains to their daily consumption of basic needs, education, health conditions, other debts, and mismanagement of income. Considering these findings, it is concluded that teachers’ financial literacy is a crucial basis of knowledge on proper financial management as it significantly affects their extent of financial stress. Hence, it supports the program of the Department of Education (DepEd) of providing financial literacy programs as headway to help curb their financial stress. |
| Keywords: | Financial literacy, financial stress, teachers, debt management, savings, expenditures, investment, retirement, and insurance. |
| Cite Article: | "Assessing The Level of Financial Literacy and Financial Stress Among Teachers: Basis for Institutionalized Financial Literacy Program", International Journal of Novel Research and Development (www.ijnrd.org), ISSN:2456-4184, Vol.8, Issue 6, page no.b467-b476, June-2023, Available :http://www.ijnrd.org/papers/IJNRD2306153.pdf |
| Downloads: | 000118757 |
| ISSN: |
2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID:IJNRD2306153 Registration ID: 198700 Published In: Volume 8 Issue 6, June-2023 DOI (Digital Object Identifier): Page No: b467-b476 Country: General Santos City, South Cotabato, Philippines Research Area: Social Science and Humanities Publisher : IJ Publication Published Paper URL : https://www.ijnrd.org/viewpaperforall?paper=IJNRD2306153 Published Paper PDF: https://www.ijnrd.org/papers/IJNRD2306153 |
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ISSN: 2456-4184
Impact Factor: 8.76 and ISSN APPROVED
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