Date of Publication

4-15-2025

Document Type

Bachelor's Thesis

Degree Name

Bachelor of Arts in Behavioral Sciences major in Organizational and Social Systems Development/ Bachelor of Science in Accountancy

Subject Categories

Behavioral Economics

College

College of Liberal Arts

Department/Unit

Behavioral Sciences

Thesis Advisor

Czarina Labayo-Prieto

Defense Panel Chair

Marlon D.L. Era

Defense Panel Member

Jerome V. Cleofas

Abstract/Summary

This study examines the impact of household financial practices on the spending patterns of graduating undergraduate students studying in public or state universities in Metro Manila. The researchers utilized a qualitative phenomenological approach in which in-depth interviews were conducted with 15 students to analyze how their financial behaviors are shaped and influenced by their respective household's financial management. Key findings reveal that their upbringing strongly influences students' financial well-being, which includes their spending habits, budgeting strategies, and financial decision-making, which often mirror those of their households. Participants from households with structured financial management exhibited more conscious spending behaviors, while those from less financially disciplined backgrounds demonstrated impulsive spending tendencies. In addition to this, external factors such as digital banking, online shopping, and social influences further shape financial habits. The study highlights the need for increased financial literacy education to better equip students for financial independence when transitioning to employment. Insights from this research may inform educational institutions and policymakers in promoting sustainable financial behaviors among Filipino youth.

Abstract Format

html

Language

English

Format

Electronic

Keywords

Financial literacy--Philippines; College students--Philippines--Metro Manila; Well-being--Philippines--Metro Manila

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Embargo Period

4-16-2025

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