Authors : Nathaniel D. Guadalquiver; Niño James D. Tan; Joshua Chail Rosil; Ace Virgel T. Batingal; Mylene P. Alfanta

Volume/Issue : Volume 10 - 2025, Issue 5 - May

Google Scholar : https://tinyurl.com/mttkskyh

DOI : https://doi.org/10.38124/ijisrt/25may046

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Abstract : Financial Literacy pose significant involves understanding and managing various aspect of personal finance, including budgeting, saving, investing, and debt management. It empowers general service employees to make informed decisions about money, enhancing their financial well-being. The research was conducted in Pagadian City, Zamboanga del Sur, Philippines. The target participants of the study were the general service employees from one of the higher institutions in Pagadian City. The researchers utilized stratified random sampling to selectively choose participants who met the certain criteria. Survey was conducted with 18 respondents from one of the higher institutions. The aim of the study was to describe the financial literacy and behavior of general service employees. Through descriptive research design and quantitative research methods, the researchers sought to provide statistical data of the topic within its behaviors and characteristics context. The study identified various categories of financial knowledge, financial skill, financial values, and financial attitude. The general service employees develop the proper mindset, imparting sound financial principles, and perfecting particular abilities like debt management, investing, and budgeting are all part of practical application. Additionally, future research was encouraged to explore the importance of making financial decisions in general services including involving financial knowledge, skills, values, and attitude.

Keywords : Financial Literacy, General Service Employees, Financial Decisions.

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