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- BSBA-FM 2019
- Bachelor of Science in Business Administration
- Major in Financial Management
- Number Research Title Researchers
- FM 1 Effects of Train Law Package 1A to the Saving and Spending Behavior of the Residents in Nasugbu,Batangas Aileen De Ocampo De las Alas
- DietherDacilloDatinguinoo
- Danielle CalvarioVillafria
- FM 2 Assessment of Financial Management Practices of Small and Medium Enterprises(SMEs) in Nasugbu, Batangas Corinna S. Balboa
- Rommel C. Cuenca
- Nikki Dale G. Quilantang
- FM 3 Level of Awareness and Impact of Financial Literacy on Financial Decision of the Employees in Batangas State University Arasof-Nasugbu Imelda DesacolaCabadin
- Christine Michelle TamboongCasilihan
- Monica Marie Lopez Laguardia
- FM 4 Effects of Online Advertisement Towards the Saving and Spending Behavior of the Residents in Nasugbu, Batangas KiarraMarizCustodio Hernandez
- Ar Jay UgaddanMacalindong
- Connie Granados Villanueva
- FM 5 Factors Affecting the Saving and Spending Behavior of College Students in Batangas State University Arasof-Nasugbu and its Impact to their Financial Wellness Nerissa Gallardo Gocalin
- Raiza Mae BriñosaRomo
- FM 6 Money Beliefs of Residents in PoblacionNasugbu, Batangas and their Effects to Personal Financial Management Practices Blessy De Ocampo De Leon
- Joanne Velasco Lopez
- Valerie DelaMarcaPunto
- FM 7 SMEs Contribution for the Community Improvement in Nasugbu, Batangas Prince KenolyCabinganCarumba
- Patricia Ann Gonzaga Garcia
- KarmelaBotaLayola
- FM 8 Cost-Cutting Practices of Small and Medium Enterprises in Nasugbu, Batangas Ben John Lalic Gallardo
- Krissia Jean VistoLabalan
- Angelica Ramos Lubugan
- FM 9 Personal Financial Management of Employees of the Manufacturing Companies in Nasugbu and Balayan, Batangas Jericho C. Delos Reyes
- Jewel Granados
- Michelle C. Leyson
- FM 10 Saving Behavior of Parents on Children’s Potential College Expenses in Poblacion,Nasugbu,Batangas Vanessa V. Gocalin
- Katherine Ysabelle U. Mendoza
- FM 11 Assessment of Electronic Banking Services Offered by Selected Commercial Banks in Nasugbu, Batangas Niño RolsonAlajar Bautista
- KeizelLimua Francisco
- Marla Roma Licop
- FM 12 Awareness Towards Capital Market Investment of Residents in Nasugbu, Batangas ErlynJacquin Chavez Jonson
- KislynComiaMarasigan
- GlydelManaloVisto
- FM 13 Financial Knowledge Gap Between Men and Women in Nasugbu, Batangas: Basis for University’s Extension Programs, Activities, and Projects Elaiza Joyce LaparanButiong
- Kalvin Castillo Navata
- AlyannaTalisicTolentino
- FM 14 Income Diversification of Public Market Vendors in Nasugbu, and Tuy, Batangas Jessica D. Cabali
- Lander D. Alday
- FM 15 Effects of Microfinance in the Livelihood of Households in Lian, Batangas Rene Kathlene B. Plata
- Janica V. Rinon
- FM 16 Comparative Study on the Effects of Microfinance Institutions and Cooperatives in the Lives of the Loan Borrowers in Nasugbu, Batangas Jecell Ibanez Ata
- Noemi Punongbayan Gonzales
- Chelsea Ann Castillo Maghanay
- FM 17 Socio Economic Analysis of the Living Conditions of the Minimum Wage Earners in Selected Retail Indsustries in Nasugbu, Batangas Jason AlberioCortel
- JessaPola Bautista Villaveza
- Marinella Jade BayonaSajona
- FM 18 Coping Strategies of Small Business Owners on the Impact of Inflation in Tuy and Nasugbu, Batangas ClaricelCudiamatBascuguin
- AljonMapa Austria
- April Neil LainezAndaya
- FM 19 The Impact of Financial Education to the Selected Members of Online Financial Literacy Groups Kristoffer S. Laguatan
- Pincky A. Lacopia
- FM 20 The Financial Performance of Families of OFWs in Nasugbu, Batangas John Carlo B. Punongbayan
- Roxane D. Estoce
- Analiza B. Caraig
- FM 21 Impact of Microfinance in the Lives of Public Market Vendors in Nasugbu and Tuy, Batangas Loren Abegail R. Legaspina
- John Louis C. Fronda
- Aileen C. Atienza
- FM 22 The Impact of Credit to the Sustainability of Sugar Cane Farming in Nasugbu, Batangas Princess Carol MarananVillaluna
- Myra Alvarado Cabingan
- John Eric Demafelix Reyes
- FM 23 Relationship between financial literacy and entrepreneurial success of owners/managers of SMES In Nasugbu, Batangas JR Arnold V. Rafa
- Holly Xyra I. Javier
- FM 24 Effects of multiple borrowing practices among microfinance clients in selected Barangays In Nasugbu, Batangas Louise Anne RuedasLadores
- Monique Rose Javier Mabunga
- Axl Adrian CarinoOndog
- FM 25 Financial Literacy of Owners/Managers of Beach Resorts Along ApacibleBoulevard,Nasugbu,Batangas Ellica Mae QuitorianoBauyon
- CODE: BSBA-2019 White Color
- Number: FM 01- FM 25 Yellow Hard bounds
- EFFECTS OF TRAIN LAW PACKAGE 1A TO THE SAVING AND SPENDING
- BEHAVIOR OF THE RESIDENTS IN NASUGBU, BATANGAS
- Diether D. Datinguinoo, Aileen D. De las Alas, Danielle C. Villafria
- College of Accountancy, Business, Economics, and International HospitalityManagement
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- Abstract
- TRAIN law primarily aims to refine the tax system to keep it moving forward through the rationalization of the Philippine internal revenue tax system and in turn, promoting sustainable and inclusive growth. After it has been implemented, many people argued that it only caused inflation which lessens the purchasing power of the Filipino citizens. The study aimed to determine the effects of TRAIN Law to the saving and spending behavior of the residents in Nasugbu. It aimed to determine if the simplified tax system has a positive or negative effect to the said respondents and to assess their level of awareness towards the said tax reform. To be able to determine the level of awareness and effects of TRAIN Law, this study used descriptive research method. The saving and spending behavior as well as the awareness were assessed using Likert Scale and computed using Weighted Mean and Z-Test. The results of the study proved that there is only a slight change on the saving and spending behavior after administering the new tax system. Z-test provided that there is no significant difference on the saving behavior of the respondents while on the other hand, there is significant difference on the spending behavior after the implementation of TRAIN Law.
- Keywords: TRAIN Law, Saving, Spending, Value-Added Tax, Excise Tax, Income Tax
- ASSESSMENT OF FINANCIAL MANAGEMENT PRACTICES OF SMALL AND MEDIUM ENTERPRISES (SMES) IN NASUGBU, BATANGAS
- Corinna S. Balboa, Rommel C. Cuenca, and Nikki Dale G. Quilantang
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- Abstract
- Small and Medium Enterprises (SMEs) had been identified as an important contributor to the economic development. Although SMEs are growing speedily they face a range of challenges which work against their progress. Financial management remain one of the constraints facing by SMEs. Through financial management practices, it enables the business to accomplish the daily financial objectives. This study aimed to assess the financial management practices of small and medium enterprises in Nasugbu, Batangas. The researchers used the descriptive method with a questionnaire as a main instrument in gathering data from 34 respondents and used frequency, percentage, and mean as statistical tools in the study, and analysis of variance to determine the significant differences between variables. The data gathered were tallied, analyzed and interpreted. The results of the study revealed that majority of the respondents implement the financial management practices. Financial management practices of financial planning, investment, and working capital management are highly applied by small and medium enterprises in Nasugbu, Batangas. It was also revealed that there is a significant difference in the application of financial management practices of small and medium enterprises when grouped according to the profile of the business.Outcome of the study may be useful to the entrepreneurs to focus the financial management practices in order to enhance their business performance.
- Keywords: Financial Management Practices, Small and Medium Enterprises, Financial Planning, Investment, Working Capital Management
- LEVEL OF AWARENESS AND IMPACT OF FINANCIAL LITERACY ON FINANCIAL DECISION OF THE EMPLOYEES IN BATANGAS STATE UNIVERSITY ARASOF – NASUGBU
- Imelda D. Cabadin, Christine Michelle T. Casilihan, and Monica Marie L. Laguardia
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- ABSTRACT
- Financial literacy is an essential tool in making wise financial decisions especially on the part of the employees. It plays an important role in preventing individuals from becoming involved into fraudulent financial transactions or in financially destructive behavior. In spite of its importance, not all of the employees are aware about financial literacy. The main objective of this study was to determine the level of awareness and impact of financial literacy on financial decision of the employees in Batangas State University ARASOF- Nasugbu This study utilized the descriptive research design and used survey questionnaire as the primary instrument in gathering data from 149 employees. The data gathered were tallied, computed, analyzed and interpreted accordingly. The findings of this study shows that the employees are extremely aware about financial literacy and its impact is that the employees often save money and spend their money effectively and efficiently. They also often invest on business stocks, bonds, mutual funds and etc., and borrow money wisely. The result also shows that there is no significant difference between the impact of financial literacy in terms of saving, investing, and borrowing decisions but there is a significant difference between the spending decisions of the employees in terms of their age. Moreover, there is no significant difference between the impact of financial literacy on financial decision when the participants are grouped according to sex, civil status, employment status, employment category, and length of service of the employees in BatStateU ARASOF-Nasugbu.
- Keywords: Financial Literacy, Financial Decision, Employees
- EFFECTS OF ONLINE ADVERTISEMENT TOWARDS
- THE SAVING AND SPENDING BEHAVIOR OF THE
- RESIDENTS IN NASUGBU, BATANGAS
- KiarraMariz C. Hernandez, Ar Jay U. Macalindong, Connie G. Villanueva
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- ABSTRACT
- Online advertisements give consumers ideas regarding the products and services that they need and want. In spite of knowing this, it is understood that online advertisement widely affects people basically because of the influence they bring to the latter. The objective of this study is to find how the residents are being affected by online advertisements regarding to their saving and spending behaviour and if there is a significant difference between the effects of online advertisements towards the saving and spending behaviour when grouped according to their profile, as well as, the response after they encountered an online advertisement. The researchers used a descriptive quantitative research design with the survey questionnaire as the main instrument used to gather data from the 398 respondents. The data gathered were tallied, analyzed and interpreted. The study revealed that residents in Nasugu, Batangas are moderately affected by online advertisement and it was found out that they always find ways to save in purchasing online and not to the extent that such leave them indebted and financially incapable. Also, they are aware of their financial priorities in the presence of their needs and wants consideration. The findingsalso showed that there is a significant difference between the respondent’s sex, employment status and monthly income/ allowance regarding to their saving behaviour. While as to their spending behaviour, there is a significant difference between the respondent’s sex except in age, employment status and monthly income/ allowance.
- Keywords: Online Advertisement,SavingBehavior, Spending Behavior
- FACTORS AFFECTING THE SAVING AND SPENDING BEHAVIOUR OF COLLEGE STUDENTS IN BATANGAS STATE UNIVERSITY ARASOF – NASUGBU AND ITS IMPACT TO THEIR FINANCIAL WELLNESS
- Nerissa G. Gocalin and Raiza Mae B. Romo
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economics,
- and International Hospitality Management
- Abstract
- Finances are provided to suffice the needs and wants of the person and not to make them feel distress about not having such. Literatures and studies provide that instead of experiencing well-being, the college students are experiencing distress. That being the case, the study aimed to determine the extent to which parental influence, peer influence, personality, financial self-control, financial knowledge, personal goals and credit orientation affect the saving and spending behaviour of the college students and identify the impact of such factors to their financial wellness. To be able to gather the data needed for the study, the researchers have used the descriptive method by means of survey questionnaire and underwent the statistical treatment of data through frequency, percentage, one-way ANOVA, z-test, pearson r correlation and chi-square. It is revealed that the college students are affected by parental influence, personality, financial self-control and personal goals to a moderate extent, peer influence and financial knowledge to some extent and credit orientation to a little extent. The study provides that the college students are in the state of financial awareness. Significant difference was also found between the factors affecting the saving and spending behaviour when the college students are grouped according to college. The two factors that have no relationship or impact to the financial wellness of the students are the financial knowledge and credit orientation. Furthermore, the study resulted that there is a significant relationship between the saving and spending behaviour of the college students and their financial wellness.
- Key words: parental influence, peer influence, personality, financial self-control, financial knowledge, personal goals, credit orientation and financial wellness
- SMEs CONTRIBUTION FOR THE COMMUNITY IMPROVEMENT
- IN NASUGBU, BATANGAS
- Prince Kenoly C. Carumba, Patricia Ann G. Garcia, Karmela B. Layola
- Bachelor of Science in Business Administration
- College of Accountancy Business Economics
- and International Hospitality Management
- Abstract
- This study focused on SMEs contribution for the community improvement in Nasugbu, Batangas. The researchers found out that SMEs as a key component sustaining the economic growth of the Philippines could further research to the contributions of SMEs specifically for the community improvement. The study determined the SMEs contribution for the community improvement in Nasugbu, Batangas in terms of job creation, infrastructure development, poverty alleviation, and improves standard of living. The study sought the projects, programs or activities contributed by SMEs. The researchers used the descriptive-survey method of research as this method give the researchers better options in selecting the instrument for data-gathering due to its flexibility either qualitative or quantitative or both. Furthermore, the researchers selected this kind of research to have firsthand data from the respondents to formulate valid and rational conclusions and recommendations for the study. Overall, the majority of the projects, programs or activities contributed by the SMEs constituted the generation of employment. The study revealed that most of the businesses are small in terms of size, majority of enterprises are corporations as to form of business, majority of SMEs showed the number of employees ranges from 10-99 and most SMEs existed in 7-12 years that comprises 41% of the total respondents. There is a significant difference on the SMEs contribution for the community improvement when grouped according to their size of the business, form of business, number of employees and year(s) of existence of business.
- Keywords: SMEs contribution, community improvement
- COST-CUTTING PRACTICES OF SMALL AND MEDIUM ENTERPRISES IN NASUGBU, BATANGAS
- Ben John L. Gallardo, Krissia Jean V. Labalan, Angelica R. Lubugan
- College of Accountancy, Business, Economics, and
- International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- Abstract
- Small and medium enterprises (SMEs) play a vital role in the country’s economic growth and development. Despite their contributions, they are still afflicted by high failure rates. The rising cost of business is one of the external factors which is a major contributor of the failure. In order to attain or enhance profitability, business entities should apply cost-cutting practices. This study aimed to determine these practices and to explain how the implemented cost-cutting practices affect their business performance. The researchers used the descriptive method of research with the survey questionnaire as the main instrument in gathering data that was distributed to 42 small and medium enterprises in Nasugbu, Batangas. The data gathered were tallied, analyzed and interpreted. The result of the study showed that the most frequently-used cost-cutting practices of SMEs are paying invoices early to avail of discounts, using e-mails whenever possible instead of snail mail or written letters, increasing social media use and reducing traditional marketing, and standardization of materials. Majority of the SMEs strongly agreed that their implemented cost-cutting practices increase the profit of the business. The results also showed that there is a significant difference between the cost-cutting practices of SMEs in terms of finance and administration, human resource, marketing, and operation and the profile of the business.
- Keywords: Cost-cutting, cost-cutting practices, small and medium enterprises, profitability
- PERSONAL FINANCIAL MANAGEMENT OF EMPLOYEES OF THE MANUFACTURING COMPANIES IN NASUGBU AND BALAYAN, BATANGAS
- Michelle C. Leyson, Jericho C. Delos Reyes, and Jewel Granados
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- Abstract
- Personal financial management is the means to be financially independent which is the ultimate goal of every individual. In spite of knowing this, people still do not put it into practice to improve their personal finance which leads them to acquiring bad credit habits. This study tried to determine the personal financial management practices of the employees of selected manufacturing companies in Nasugbu and Balayan, Batangas. Thus, it sought to determine some personal financial practices in terms of saving, spending, borrowing, and investing. The researchers used the descriptive research design with the survey questionnaire as the main instrument used to gathered data from its 227 respondents. The researchers used statistical tools such as frequency, percentage, mean, Z-test, and ANOVA. The stratified random sampling technique was used in selecting the sample size. The result of the study showed that the respondents often save money, often spend money within their monthly income, seldom borrow money and have no credit cards, and seldom invest in stocks, bonds, real estate and other investment vehicles. The findings also established the fact that the employees’ personal financial management in terms of saving and spending differs based on their age, sex, civil status, job category, income range and length of service while their borrowing practices differs as to their age, sex, job category, income range, and length of service. Their investing practices likewise differ as to their age, civil status, and job category.
- Keywords: Personal financial management, saving, spending, borrowing, investing
- SAVING BEHAVIOR OF PARENTS ON CHILDREN’S POTENTIAL COLLEGE EXPENSES IN POBLACION NASUGBU, BATANGAS
- Vanessa V. Gocalin, Katherine Ysabelle U. Mendoza
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF – Nasugbu
- Nasugbu, Batangas
- Abstract
- It is imperative for parents to ensure that their children receive the best education that money can buy. As parents, they must make sure that they have the financial stability to send their children for college education. This study aimed to provide a better understanding of the saving behavior among parents for their financial preparation on the potential expenses for their children’s college education. It also determined the factors that affect the way they save for their children’s college education. This study utilized the descriptive method of research with the use of survey questionnaire in gathering data from 370 respondents. The researchers used statistical tools such as frequency, percentage, mean, z-test and ANOVA. The result showed that most of the parents are goal-oriented persons. Though most of them have low savings rate, they do view savings as a means to reach their goals. The study also revealed that majority of the parents seldom save for their children’s potential college expenses. Moreover, it was found out that parental influence and self-control are the most dominant factors that affect the saving behavior of the parents. The findings likewise showed that there is a significant difference between the saving behavior of parents when they are grouped according to sex, educational attainment, work status and family monthly income. The following recommendations were advanced: the parents may consider attending financial literacy seminars to make them more knowledgeable towards their finances; they should have a savings plan for their children’s college education, they may consider starting small business at home. They may also socialize with people who have good saving behavior.
- Keywords: Parents, Saving Behavior, Potential College Expenses
- ASSESSMENT OF ELECTRONIC BANKING SERVICES OFFERED BY SELECTED COMMERCIAL BANKS IN NASUGBU, BATANGAS
- Niño Rolson A. Bautista, Keizel L. Francisco, Marla R. Licop
- College of Accountancy, Business, Economics and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- Abstract
- Electronic banking services employ new technologies to provide a wide array of conventional amenities directly to customers, anytime and anywhere. However, like all good things, even electronic banking has certain drawbacks. One of these drawbacks is the lack of trust. Some human beings prefer to trust others like them and may have some difficulty in trusting a machine, especially in the matters of money. This study aimed to assess the electronic banking services offered by selected commercial banks in Nasugbu, Batangas and to find out if there is a significant difference between the assessments of customers of the electronic banking services. The researchers used the descriptive method with the questionnaire as their main instrument in gathering data. The study has a total of 388 respondents. The data gathered were tallied, analyzed and interpreted. The results of the study revealed that majority of the respondents use the Automated Teller Machine which is one of the electronic banking services. The study likewise revealed that clients have encountered problems like: machines are out of order, machines are out of cash, cards are blocked, and long waiting time in queues when using e-banking services. Moreover, the researchers found out that there is no significant difference on the assessment of the customers of the electronic banking services in terms of accessibility, security, confidentiality, and usefulness. However, there is a significant difference in terms of cost.
- Keywords: Electronic Banking, Electronic Banking Services, Commercial Banks
- FINANCIAL KNOWLEDGE GAP BETWEEN MEN AND WOMEN IN NASUGBU, BATANGAS: BASIS FOR UNIVERSITY’S EXTENSION PROGRAMS, ACTIVITIES, AND PROJECTS
- Elaiza Joyce L. Butiong, Kalvin C. Navata, Alyanna T. Tolentino
- College of Accountancy, Business, Economics, and International Hospitality Management
- Batangas State University ARASOF-Nasugbu
- Nasugbu, Batangas
- ABSTRACT
- Financial knowledge and competence has become more essential as financial markets offer more complex choicesand as the responsibility for saving and investing for the future has become very critical. When people lack financial knowledge, they are more inclined to making unwise and costly financial decisions in relation to borrowing, savings, and investments that can have a devastating impact. The study is aimed to identify the level of financial knowledge gap between men and women in order to develop possible ways to help them shape their behavior, education and attitude towards handling finances and be financially knowledgeable to avoid experiencing financial crises. To be able to gather data needed, the researchers used the descriptive method with the questionnaire as their mainstream instrument in gathering data with 398 respondents in total. The data gathered were tallied, analyzed and interpreted. The result of the study revealed that in measuring their financial knowledge using the subjective and objective type of questions, women showed extreme familiarity on financial terms while men had slight familiarity on financial terms. In the objective test of their knowledge, men performed much better than women did in answering basic numeracy questions.
- Keywords: Financial knowledge, Financial Markets, Financial Knowledge Gap, Financial decision
- MONEY BELIEFS OF RESIDENTS IN POBLACION NASUGBU, BATANGAS AND THEIR EFFECTS TO PERSONALFINANCIAL
- MANAGEMENT PRACTICES
- Blessy D. De Leon, Joanne V. Lopez, Valerie D. Punto
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economics,
- And International Hospitality Management
- Abstract
- Money issue is not a new challenge in the lives of individuals and families. However, little is known about the psychological factors that may influence how people see money. Typically, those beliefs were primarily acquired during childhood which may drive people’s behaviors, financial management practices and financial decision at present. This study aimed to identify the unconscious beliefs about money of the residents of PoblacionNasugbu, Batangas which may influence their personal financial management practices and to find out if there is a significant relationship between the respondents’ beliefs about money and their personal financial management practices when they are grouped according to profile. The researchers used the descriptive method of research with the use of a survey questionnaire as the main data-gathering instrument distributed to 389 residents at the Poblacion. This study identified four distinct money belief patterns (money avoidance, money worship, money status and money vigilance). This study revealed that the residents are money vigilant and it was found out that being money vigilant is a good indicator, which positively influences them to have good personal financial management practices. Also, the respondents perceived that money beliefs have positive effects to their practices. The findings also showed that there is no significant relationship between money beliefs and personal financial management practices when the residents are grouped according to their profile. Surprisingly, the study revealed that the unconscious money beliefs that they acquired during childhood do not limit their full potential to be financially free today and to possibly reach their financial success in the near future.
- Keywords: Money Beliefs, Personal Financial Management Practices, Money Avoidance, Money Worship, Money Status, Money Vigilance
- AWARENESS TOWARDS CAPITAL MARKET INVESTMENT
- OF RESIDENTS IN NASUGBU, BATANGAS
- ErlynJacquin C. Jonson, Kislyn C. Marasigan, Glydel M. Visto
- College of Accountancy, Business, Economics,
- And International Hospitality Management
- Abstract
- Capital market is one of the key factors for the inclusive growth of an economy as a whole and of every individual in terms of wealth maximization. Despite this opportunity, the number of individuals engaging in capital market remains dismal. Since, the awareness is the first reason of this low participation of the prospective retail investors. Objective of this study is to know the residents’ level of awareness towards capital market investments and if there is significant relationship between the respondents’ level of awareness towards capital market investment when grouped according to their profile variables, as well as, the extent of influence of the factors that influence the level of awareness which is helpful for the solution on how the residents can acquire awareness. In order to determine the level of awareness of the residents towards capital market investment, this study utilized the descriptive method research with the used of survey questionnaire as the main instrument distributed to 398 respondents. The data gathered were tallied analyzed and interpreted. The study revealed that residents of Nasugbu, Batangas is slightly aware towards capital market investment and it was found out that education is the major factor that influences their level of awareness. The findings also showed that there is a significant relationship between the respondents’ age, monthly income, and educational attainment and the level of their awareness towards capital market investment except in sex and employment status.
- KEYWORDS: Capital Market Awareness, Investment Products, Factors Influencing the Level of Awareness on Capital Market
- Income Diversification of Public Market Vendors in Nasugbu and Tuy,Batangas
- Jessica D. Cabali, Lander D. Alday
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- Abstract
- Income diversification has played a very vital role in uplifting the lives of everyone for over several years. It cannot be denied the benefits it had been given to achieve financial independence. Many studies show the importance of this as a means to attain financial sustainability most especially to rural households. It is critical for them to rely on only one source of income which is farming due to its seasonality but due to diversifying to non-farm activities, their burden when it comes to financing is lessened. Due to the limited studies about the public market vendors, the researchers decided to come up with this study. It focused on the income diversification of public market vendors in Nasugbu and Tuy, Batangas and its impact on their expenses, loans, and financial goals. The researchers used the descriptive method to determine the type of approach necessary to complete an accurate assessment of the topic at hand. Through the use of survey questionnaire constructed by the researchers and utilization of analysis of variance (ANOVA) to analyze if there is a significant difference on the factors being tested, this study revealed that there is really a significant difference on the impact of income diversification as to the respondents’ profile. However, despite the benefits of such specifically the enhancement of income of the respondents, it is revealed that there is no significant difference in the financial goals of the respondents when it comes to their civil status.
- Keywords: Income diversification, Financial sustainability, Finance
- EFFECTS OF MICROFINANCE IN THE LIVELIHOOD OF HOUSEHOLDS IN LIAN, BATANGAS
- Plata, ReanKathlene B., and Riñon, Janica V.
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- Abstract
- The conventional belief is that loans can provide additional financial resources used to enhance household’s initial endowments as to generate more income. Microfinance institutions are providing that loans which those individuals, who have their income-generating activities, needed. This study wants to determine the effects of microfinance institutions lending on households for the growth and better performance of their current businesses within Lian, Batangas. The respondents of the study were 196 microfinance clients and currently have their own livelihood activities. The study made used of descriptive method of research and utilized the survey sheet or questionnaire as a main tool for data gathering. Percentage, weighted mean, one-way ANOVA, and z-test are the statistical tools used to treat the data. The findings of the study indicate that microfinance clients agreed on the effects of microfinance in the livelihood activities in terms of business growth and other factors. On the other hand, respondents strongly agreed that participation in microfinance programs has a positive effect on the performance of their businesses. Based on the result of this study, the household representatives may still avail the financial services provided by the microfinance institutions for the improvement of their businesses.
- Keywords: Microfinance, Microfinance Institutions, Livelihood activities, Households
- COMPARATIVE STUDY ON THE EFFECTS OF MICROFINANCE INSTITUTIONS AND COOPERATIVES IN THE LIVES OF
- THE LOAN BORROWERS IN NASUGBU, BATANGAS
- Jecell I. Ata, Noemi P. Gonzales and Chelsea Ann C. Maghanay
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economics,
- and International Hospitality Management
- ABSTRACT
- Life has always been a roller coaster ride and having a financial problem is one of the main reasons it is hard. However, it is within the nature of the people to seek and lend help when one of us is in need and that is the reason why borrowing is an inevitable part of a human life.The ultimate goal of Microfinance Institutions and Cooperatives is to help the poor people in improving the quality of the standard of their living. The study aims to know the effects of borrowings and give idea to the people as to what kind of borrowing they will choose. Guided by this drive, this study sought to identify the different effects of borrowings in Microfinance Institutions and Cooperatives. After identifying such effects, the researchers compared how the borrowers in Microfinance Institutions and Cooperatives used their loans in the aspect of business, personal and family expenses. This study used descriptive-comparative method of research. Moreover, the study used the following statistical tools such as frequency, percentage, weighted mean, one-way ANOVA and z-test. Results suggest statistically that there are positive effects of business expense of MFIs in terms of civil status, times borrowed, source of income and monthly income. Moreover, significant difference was found in source of income when compared to cooperatives. This study concluded that after applying all the ratios, analyzing its return and seeing the different effects, MFIs and Cooperatives have the same effects in terms of business expense only. However, there are different effects in terms of personal expense and family expense.
- Keywords: Microfinance Institutions, Cooperatives, Borrowing of money, Effects of Borrowing
- SOCIO-ECONOMIC ANALYSIS OF THE LIVING CONDITION OF THE MINIMUM WAGE EARNERS IN SELECTED RETAIL INDUSTRIES IN NASUGBU, BATANGAS.
- Jason A. Cortel, JessaPola B. Villaveza, Marinella Jade B. Sajona
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- Abstract
- Minimum wage is an essential component of a country’s social protection system aiming to reduce poverty and increase social justice. Literatures and studies provide that in many country minimum wages have been effective, among other things, in reducing income inequality, poverty, and strengthening social stability. The study wants to determine the sufficiency of the minimum wage in sustaining the basic needs of the minimum wage earners and their family in selected retail industries in Nasugbu, Batangas. The respondents were the 128 minimum wage earners from the non-agricultural sector living and working in Nasugbu, Batangas for the year 2018. A self-constructed questionnaire was used to gather the necessary data. The study utilized descriptive research methods and statistical tools, such as frequency distribution, percentage, average, and weighted mean to established associations between variables. The researchers also used inferential statistics like Analysis of variance to treat the data. Findings revealed that the workers income is sufficient to cover their expense, which made the majority of the minimum wage earners fall under the classification of level 3 or decency standard of living. Significant difference was also found between the factors affecting living condition when grouped according to their demographic profile. As a recommendation, medical care benifits may be given to the employee by their employerin case they need some medical care. Since most of the respondents are mostly high school graduates it is better for them to keep on continuing their studies as it will help them to uplift their status in life.
- Keywords: Socio-economic, Minimum Wage, Minimum Wage Earners, Living Condition, Standard of Living.
- COPING STRATEGIES OF SMALL BUSINESS OWNERS
- ON THE IMPACT OF INFLATION IN TUY
- AND NASUGBU, BATANGAS
- Claricel C. Bascuguin, Aljon M. Austria, April Neil L. Andaya
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- Abstract
- The ultimate goal of any business whether it is small, medium or large is to maximize profit and minimize cost. Inflation is a general increase in prices and fall in the purchasing value of money which can greatly impact any kind of business. This study focused on the coping strategies of small business owners on the impact of inflation in Tuy and Nasugbu, Batangas. The respondents were 68 small business owners/managers from Tuy and Nasugbu, Batangas. The study made use of the descriptive method of research and utilized the survey questionnaires as the main tool for data gathering. Percentage, weighted mean and one-way ANOVA are the statistical tools used in the study. The findings revealed that there is a significant difference on the coping strategies of small business owners on the impact of inflation when grouped according to sex and highest educational attainment. However, it was found that when respondents were grouped according to age, there is no significant difference on their coping strategies on the impact of inflation usingpricing, product/service and market share and there’s a significant difference as to customers. It was also revealed that small business owners sometimes use pricing, market share and product/service and often use customers as their coping strategies on the impact of inflation. Based on the findings of the study, it was suggested that the small business owners may use the pricing, customers, product/service and market share as their coping strategies depending on what suits them and their business.
- Keywords: Small business, Inflation, Coping Strategies
- THE IMPACT OF FINANCIAL EDUCATION TO THE SELECTED MEMBERS OF ONLINE FINANCIAL LITERACY GROUPS
- Kristoffer S. Laguatan, Pincky A. Lacopia
- Bachelor of Science in Business Administration College of Accountancy, Business, Economics, and International Hospitality Management
- Abstract
- Financial literacy primarily aims to develop knowledge and skills for individuals to make informed financial decisions with confidence, to manage personal wealth with efficacy and to increase financial stability. Online financial literacy group, is a community geared to promote financial literacy to improve the financial well-being of every Filipino. It is a learning platform specifically in Facebook that encourages every Filipino not just intellectual people who are into business or stocks but also to ordinary citizens who are seeking financial education through social media groups. The study aimed to determine the impact of financial education to the selected members of online financial literacy groups. It tried to determine the impact of Financial Education to respondents in terms of saving, investing, insurance, retirement, spending. To be able to determine the impact of financial education, this study used descriptive research method. The impact of financial education in terms of savings, investing, insurance, retirement and spending were assessed using Likert Scale and computed using Weighted Mean. The results of the study proved that there are is an extreme impact to the members with regards to the impact of financial education to their personal finances. The ONE WAY ANOVA test provided that there is no significant difference on the impact of financial education when grouped according to profile variables.
- Keywords: Financial Literacy, Online Financial Literacy, savings, investments, insurance, retirement, spending
- THE FINANCIAL PERFORMANCE OF FAMILIES OF OFW’S IN NASUGBU, BATANGAS
- John Carlo B. Punongbayan, Roxance D. Estoce, Analiza B. Caraig
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- Abstract
- Financial performance was used in the study as a measure of how well the family used their finances to cater to the daily needs of the family. The study aimed to determine the financial performance of families of OFWs in Nasugbu, Batangas. It tried to assess the financial performance of the families through their financial allocation actions in terms of obtaining, planning, saving, borrowing, spending, managing risks, investing, retirement and real estate planning. To be able to determine the financial performance of the families, this study used the descriptive research method, assessed the data using a theLikert Scale, and computed using the weighted mean. The results of the study proved that the families have good financial performance in terms of obtaining, planning, saving, borrowing and spending. On the other hand, they do not prioritize allocating funds for investments, for retirement and for being protected by insurance. The one-way ANOVA test showed that there is a significant difference between the financial performance of the families in terms of their obtaining, planning, saving, managing risks, and investing when they are grouped according to the number of their dependents. A significant difference was found between their obtaining and planning when they are grouped according to their other sources of income. There is also a significant difference between their obtaining, planning and investing when they are grouped according to their monthly income. The ztest revealed that there is no significant difference in terms of the number of years of their being OFWs.
- Keywords: financial performance, families of OFWs, obtaining, planning, saving, borrowing, spending, managing risks, investing, retirement and real estate planning
- THE IMPACT OF CREDIT TO THE SUSTAINABILITY OF SUGARCANE FARMING IN NASUGBU, BATANGAS
- Princess Carol M. Villaluna, Myra A. Cabingan, Jonh Eric D. Reyes
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economic
- and International Hospitality Management
- ABSTRACT
- For many years, sugarcane has been a big industry in Nasugbu, Batangas, when one of the biggest sugar millers and refinery in the Philippines was established during the year 1927 which is the Central Azucarera Don Pedro, Incorporated (CADPI). In the emergence of the industry, is also the emergence of credit institutions who lend money to planters for the sustainability of the sugarcane production. This study aimed to determine the impact of credit to the sustainability of sugarcane farming in Nasugbu, Batangas. Three-hundred two sugarcane planters serve as the respondents of the total population of one-thousand four-hundred twenty-three. The study made used of descriptive method of research and utilized the survey questionnaire as a main tool for data gathering. Analysis of Variance (ANOVA), Z-test, percentage, and mean were used as a statistical tool for the treatment of data. The study revealed that most of the sugarcane planters are mostly adults, male, married, secondary graduate and have more than three decades in the operation. Furthermore most of the sugarcane planters owned a small land crop that produces 45-60 tons which uses ratooning management. Majority of the planters acquire loan either from different institution or private individuals, in addition sugarcane planters did not depend all their expenses to credit. The planters agreed that credit helps them to the sustainability of sugarcane farming in Nasugbu, Batangas. Furthermore, their profile have no effect on their perception. Sugarcane planters must exercise financial literacy on how to manage their profits, income and expenses the right way.
- Keywords: Sugarcane, Credit Institutions, Sugarcane Sustainability, Planter
- RELATIONSHIP BETWEEN FINANCIAL LITERACY AND ENTREPRENEURIAL SUCCESS OF OWNERS/MANAGERS OF SMES IN NASUGBU, BATANGAS
- P JR Arnold V. Rafa, Holly Xyra I. Javier
- Co-Author: Alavin C. Andulan
- Bachelor of Science in Business Administration - Financial Management
- College of Accountancy, Business, Economics & International Hospitality Management
- BATANGAS STATEUNIVERSITY
- ARASOF-Nasugbu,
- Nasugbu, Batangas
- Jrarnoldrafa@gmail.com,hollyxyrajavier20@gmail.com
- RATIONALE
- Running a business can be intensely satisfying and challenging. Business owners face a multitude of demands on their time and energy in balancing their needs, priorities, and dealing with a range of urgent tasks while also finding time to look at the bigger picture. As an entrepreneur, one must driven by the passion to satisfy what customers want without sacrificing the profitability and stability of the business. Known ways on achieving business success are strategic marketing, quality management which is commonly observed. Nonetheless, little do business owners realize that there is also a necessity in learning and applying various financial management techniques to achieve prosperity in the business industry and financial stability?
- OBJECTIVES
- The focus of the study is to determine the relationship between financial literacy and entrepreneurial success of owners/mangager of smes in nasugbu, Batangas. The study aimed to determine the business profile, the level of financial literacy and the status of owners/managers to their success.
- METHODOLOGY
- The descriptive method of research was used for study which appropriate since it aims to determine the relationship between the financial literacy and entrepreneurial success. Survey questionnaire was used as the instrument to gather information from the owners/managers; it was constructed based on various study.
- RESULTS
- The finding of the study revealed that the number of employee was in the same range from small 17 to medium 17. It was also found that most of the ownership of business is corporation. The business was newly established in to 6-10 years of existence in the business. It also found that most of owners/managers base on the level of their financial literacy they in the high level of saving and borrowing, budgeting, economic issues, financial concept and financial services. Most of the owners/manager believes that there has a significant relationship between financial literacy and entrepreneurial success.
- RECOMMENDATIONS
- It is hereby recommended that the owners/ manager of SMEs should have trainer that can help to understand how to budget and save. And it can also look at how they are handling credit and debt and make suggestions on how to pay off, consolidate and manage finances with a plan for achieving a goal. Also they should have read self-help books and workbooks that teach finance and personal money management.
- KEYWORDS
- FINANCIAL LITERACY, Entrepreneurial Success, Small Enterprises, Finances
- EFFECTS OF MULTIPLE BORROWING PRACTICES AMONG MICROFINANCE CLIENTS IN SELECTED BARANGAYS
- IN NASUGBU, BATANGAS
- Louise Anne Ladores, Monique Rose Mabunga, Axl Adrian Ondog
- Co-Author: Sherilyn B. De Leon-Macaraig
- Bachelor of Science in Business Administration - Major in Financial Management
- College of Accountancy, Business, Economics & International Hospitality Management
- BATANGAS STATEUNIVERSITY
- ARASOF-Nasugbu,
- Nasugbu, Batangas
- louiseanneladores@gmail.com, nikjavier28@gmail.com, axladrian30@gmail.com, deleonsherilyn@gmail.com
- RATIONALE
- The microfinance industry is thriving in the Philippines. However, it was accompanied by multiple borrowing by the same individuals from different microfinance institutions. While debt itself is not necessarily bad, excessive debt burden can be problematic. The researchers focused on the effects of multiple borrowing in the conduct of the study. They are concerned to what are the effects experienced by microfinance clients from multiple borrowing.
- OBJECTIVES
- The focus of the study is to determine the effects of multiple borrowing practices among microfinance clients. The study aimed to determine the profile of the employees, effects of multiple borrowing faced by the employees, and lastly the significant difference of the clients’ profile and the effects of multiple borrowing.
- METHODOLOGY
- The descriptive method of research was used for the study which is appropriate since it aims to determine the effects of multiple borrowing. Survey questionnaire was used as the instrument to gather information from the employees; it was constructed based on various studies.
- RESULTS
- The findings of the study revealed that majority of the respondents are female ranging from 41 to 50 years old. It was also found that microfinance clients who attained high school degree appeared to be the majority of the respondents who are married. Most were from 4-6 members household that rely on business as their source of income, that the monthly income fall within the bracket 6,001-15,000; That because of multiple borrowing microfinance clients perceived that their basic household welfare measures has improved slightly, that their household assets has improved slightly, that their human capital investment has improved slightly, that self-empowerment variables has improved slightly except for self-confidence which stayed the same, and lastly, that other factors that was critical to analyse the effects of multiple borrowing has improved slightly with the exception of control over financial resources; There were significant differences in terms of microfinance clients’ profile when compared to the effects of multiple borrowing except for age, civil status and number of loans availed.
- RECOMMENDATIONS
- It is hereby recommended that microfinance institutions should provide some form of training to help clients distinguish between business and family matters and to broaden their knowledge about how they can totally improve their living through acquiring loan; that MFIs should provide satisfactory loans accordingly as to avoid the practice of clients to reapply to other MFIs to meet their requirements; microfinance clients should acquire loan that are adequate according to their household size, monthly income, source of income, and ability to pay their loans; and that further study is recommended to fully understand the effects of multiple borrowing especially in 2nd and 3rd class municipalities.
- KEYWORDS
- Multiple Borrowing, Microfinance, Effects of Multiple Borrowing Practices, Microfinance Institutions
- FINANCIAL LITERACY OF OWNERS/MANAGERS OF BEACH RESORTS ALONG APACIBLE BOULEVARD,
- NASUGBU, BATANGAS
- EllicaMayeQ.Bauyon
- College of Accountancy, Business, Economics,
- And International Hospitality Management
- Abstract
- Studies on financial literacy have grown in importance in the recent years.The Philippines was ranked 68th globally in terms of financial literacy index, according to a study made by the Asian Development (Anzcham, 2015). This study aimed to determine the financial literacy of owners/managers of beach resorts in Apacible Blvd. Nasugbu, Batangas. Specifically, it aimed to determine their profile variables and if there is a correlation between financial literacy and the educational attainment and length of experience of resort owners.
- The researcher employed the descriptive method of research and the Likert Scale Method to evaluate the responses of the respondents. Random sampling was used in selecting the respondents of this study. For the profile of the respondents, frequency was used to analyze the data. For their financial literacy, weighted mean, and percentage was used for the statistical treatment of the result of the survey. The main data gathering instrument is the subjective assessment questionnaire prepared by the researchers.
- From the findings revealed that majority of the respondents are 40-50 years old, female, college graduates and are in their 11 and beyond length of experience; the respondents have extremely high financial literacy; the higher the educational attainment of the respondents, the higher their level of financial literacy; and that the higher the educational attainment of the respondents, the higher their level of financial literacy.
- KEYWORDS: financial literacy, educational attainment, length of experience, beach resorts,
- IMPACT OF MICROFINANCE IN THE LIVES OF PUBLIC MARKET VENDORS IN NASUGBU AND TUY, BATANGAS
- Legaspina, Loren Abegail R., Fronda, John Louis C., Atienza, Aileen C.
- Bachelor of Science in Business Administration
- College of Accountancy, Business, Economics,
- and International Hospitality Management
- Abstract
- Microfinance is a term used by many different domains to fight poverty. It is a practice in the form of small loans that are believed to aid low-income individuals in lifting themselves out of poverty and helping them to establish a sustainable income for their families. It is also considered as one of the most effective mechanism to disseminate precious information on ways to improve the living standard of the poor, which are relevant concerns for the poor. By providing opportunities for self-employment, many studies have concluded that these programs have significantly improved the living standard of the poor. The study made use of descriptive method of research and purposive sampling technique in selecting respondents that constituted the sample size of the research.The objective of this study is to assess whether microfinance has engendered positive or negative impact in the lives of public market vendors in Nasugbu and Tuy, Batangas. In order to achieve the objectives of this study, data was collected through survey sheet or questionnaire. This study used descriptive research method and were assessed using a Likert Scale and computed using a Weighted Mean.The findings of the study indicate that microfinance programs have positive impact in the lives of respondents in terms of basic household welfare, household asset, human capital investment, self-empowerment and some other factors measuring living standards.
- Keywords:Microfinance, Microfinance Institutions, Public Market Vendors
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