Urot, Renebie creator author. Cariaga, Gene Kristyrille author. Formentera, James author. Cuyno, Carlouie author. Panal, Mariel author. text Cebu City, Philippines University of Cebu-Banilad c2025 monographic eng

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xii, 119 pages : colored illustrations ; 11 cm. "This study examined the budgeting practices of rice cake sellers in Catmon, Cebu, Philippines, focusing on financial planning, capital sourcing, budget allocation, and monitoring. Micro and small enterprises often face financial challenges due to limited resources and market fluctuations, making effective budgeting essential for sustainability. The study aimed to evaluate the extent of budgeting practices among rice cake sellers and to develop a standardized budgeting quick guide to enhance their financial management skills. A descriptive-survey research design was used, with data collected from 43 rice cake sellers selected through simple random sampling in Barangays Catmondaan and Macaas. The research instrument was tested for reliability through a dry run, yielding a Cronbach's Alpha of 0.802598. Data were gathered via face-to-face interviews and analyzed using frequency, percentage, weighted mean, and One-Way ANOVA to determine differences across socio-demographic groups. Findings indicate limited adoption of structured budgeting practices. Planning and monitoring were generally not practiced, while sourcing of capital and budget allocation were slightly practiced. No significant differences in budgeting behavior were found across age, experience, or income levels. These results suggest the need for targeted financial education to improve budgeting competencies among small-scale food entrepreneurs. The study's outcomes provide a foundation for designing financial literacy programs and policymaking aimed at supporting micro-entrepreneurs in the local food industry." --Abstract Adult Renebie Urot, Gene Kristyrille Cariaga, James Formentera, Carlouie Cuyno, and Mariel Panal. Includes bibligraphical references. Biore, Christopher College of Business and Accountancy Accountancy Text in English Budgeting practices Financial management Small businesses Capital sourcing Cash flow monitoring Micro-entrepreneurs Sustainability University of Cebu-Banilad 251024 20251201095614.0