000			03973nam a22004217a 4500
003			OSt
005			20251201112241.0
008			251007b |||||||| |||| 00| 0 eng d
040			_aUniversity of Cebu-Banilad _cUniversity of Cebu-Banilad
100			_aBaril, Jan Khia G., _eauthor.
245			_aFinancial management practices of selected public school teachers in the municipality of San Remigio : _ba basis for a proposed financial management quick guide / _cJan Khia G. Baril, Christine Mae Burgos, Xyra Marie R. Canoy, Lara Marie B. Codoy, and Liezel Mae K. Monteron.
260			_aCebu City, Philippines : _bUniversity of Cebu-Banilad, _cc2024.
300			_axii, 167 pages : _bcolored illustration ; _c11 cm.
336			_2rdacontent _atext
337			_2rdamedia _aunmediated
338			_2rdacarrier _avolume
504			_aIncludes bibliographical references.
520			_a"Effective personal financial management is essential for public school teachers, who often face financial challenges due to lower salaries. This study assessed their financial management practices and proposed specific actions for improvement, including a financial management quick guide. Using a quantitative descriptive survey design, ninety-five public school teachers from five integrated schools in San Remigio, comprising fifty-nine elementary teachers and thirty-six junior high teachers, participated. Results indicated that many elementary teachers were 33-38 and ranked as Teacher 3, while junior high teachers were 27-32 and mainly Teacher 1. Most respondents were female, married, with six to ten years of service and one to five dependents, indicating a stable workforce but highlighting challenges with turnover and adaptation to technology. Additionally, the study found that both selected public school teachers exhibited low financial management practices in investing, mainly due to insufficient income limiting discretionary investment options. Teachers demonstrated moderate saving and budgeting practices, indicating an understanding of the importance of structured financial plans to mitigate unforeseen financial events. Conversely, they showed high levels of financial management in spending and debt management, prioritizing essential expenses and making informed purchasing decisions, aiming to maintain financial stability and enhance financial management. Findings have also revealed a significant relationship between the selected public school teachers' profiles and financial management, with older, more experienced teachers making better decisions. Gender impacts practices, as female teachers are more cautious while males are more confident in taking risks. Married teachers demonstrate greater dedication to financial planning than single or divorced counterparts. Rank and number of dependents significantly influence financial management practices among public school teachers, while age, gender, civil status, and years of service show minimal differences. Consequently, teachers display similar approaches to saving, investing, budgeting, and spending, with higher-ranking teachers typically enjoying better financial resources and practices." --Abstract
521			_aAdult
541			_xBiore, Christopher _yCollege of Business and Accountancy _zAccountancy
546			_aText in English
650			_aFinancial management practices.
650			_aPublic elementary teachers.
650			_aPublic junior high school teachers.
650			_aDescriptive-survey.
650			_aSaving.
650			_aInvesting.
650			_aBudgeting.
650			_aSpending.
650			_aDebt management.
700			_aBurgos, Christine Mae, _eauthor.
700			_aCanoy, Xyra Marie R., _eauthor.
700			_aCodoy, Lara Marie B., _eauthor.
700			_aMonteron, Liezel Marie K., _eauthor.
942			_2ddc _cTHE
998			_cJanna [new] _d10/07/2025
999			_c14497 _d14497