000			03513nam a22004097a 4500
003			OSt
005			20251201102509.0
008			251021b |||||||| |||| 00| 0 eng d
040			_aUniversity of Cebu-Banilad _cUniversity of Cebu-Banilad
100			_aDegamo, Rhea, _eauthor.
245			_aFinancial budgeting narratives among street food vendors in Cebu City / _cRhea Degamo, Naomie Apor, Rosel Delos Santos Jr., and Kissha Ann Pullan.
260			_aCebu City, Philippines : _bUniversity of Cebu-Banilad, _cc2025.
300			_avi, 146 pages : _bcolored illustrations ; _c11 cm.
336			_2rdacontent _atext
337			_2rdamedia _aunmediated
338			_2rdacarrier _avolume
504			_aIncludes bibliographical refences.
520			_a"Street food vendor's significantly contributes to Cebu City's informal economic sector, offering affordable meals while supporting the livelihoods of informal entrepreneurs. However, street vendors often face financial instability due to fluctuating income, limited access to formal financial services, and lack of budgeting knowledge. This study explores how street food vendors manage their financial budgeting amidst socio-economic challenges, contributing to a deeper understanding of their coping strategies and financial behavior. Using behavioral economics and social capital theory, the study aims to highlight the importance of strengthening financial literacy among marginalized groups. This study used a descriptive phenomenological design to capture the lived experiences of twelve (12) DTI-registered street food vendors in Cebu City with at least three years of business operations. The researchers conducted qualitative, in-depth interviews guided by open-ended questions focused on budgeting habits, income allocation, savings practices, and financial decision-making. The data underwant thematic analysis, extracting meaningful patterns and themes that reflect the vendors' budgeting narratives and financial management approaches. The study was conducted in densely populated vendor areas within Cebu City, chosen for their high concentration of active street food businesses. Findings showed that vendors use informal budgeting practices like daily capital rolling, precautionary savings, and reinvestment of excess income. Despite their ingenuity, many face difficulties such as emergency expenses, inconsistent earnings, and reliance on loan sharks. Vendors also demonstrated resilience by adjusting expenses based on capital and maintaining modest savings habits. The study concluded that while vendors practice adaptive budgeting techniques, stronger financial literacy support is needed. A financial education primer was proposed to empower street vendors with better decision-making skills and long-term financial resilience." --Abstract
521			_aAdult
541			_xBiore, Christopher _yCollege of Business and Accountancy _zAccountancy
546			_aText in English
650			_aFinancial budgeting.
650			_aStreet food vendors.
650			_aInformal economy.
650			_aEmergency savings.
650			_aMicro-entrepreneurship.
650			_aFinancial resilience.
650			_aLocal businesses.
650			_aDescriptive phenomenological.
650			_aUrban setting.
700			_aApor, Naomie, _eauthor.
700			_aDelos Santos, Rosel Jr., _eauthor.
700			_aPullan, Kissha Ann, _eauthor.
942			_2ddc _cTHE
998			_cLeslie [new] _d10/21/2025
999			_c14534 _d14534