https://hdl.handle.net/20.500.12852/3747 2026-11-13T23:12:48Z https://hdl.handle.net/20.500.12852/3919 Ease of use, usefulness, and extent of utilization of E-wallets among young adults Auro, Wenona Maye Q.; Roga, Shane Marie Y.; Ilangos, Valerie R.; Porras, Imee D.; Porras, Ivy D. E-wallets have emerged as essential tools in modern financial transactions. This study aims to determine the ease of use, usefulness and extent of utilization of e-wallets among young adults in Iloilo City. A descriptive-correlational design was used, with 200 e-wallet users aged 18-25 selected through convenience sampling. Data collection was conducted using a validated, researcher-made questionnaire, and analyzed through non-parametric statistical tools. The study found there are significant positive relationships among ease of use, usefulness, and extent of utilization of e-wallets. Overall, the results highlighted that the ease of use and usefulness are the key factors that drive users to utilize e-wallets. E-wallets were found to be easier to use and have a lot of benefits to offer. Based on findings and conclusions, the researchers recommended that students should choose an e-wallet platform that is user-friendly, business owners should also utilize e-wallets for easier and faster payments, and future researchers should focus more into how specific features within e-wallets platforms influence usage behavior. Abstract only 2024-12-01T00:00:00Z https://hdl.handle.net/20.500.12852/3918 Financial management practices and well-being among faculty in private universities in Iloilo City Flores, Carmella A.; Alibay, Michael G.; Proceso, Neljane G.; Seduco, Christine Faith C.; Prayco, Flora Jae P. This study aimed to determine the financial management practices and well-being among faculty in private universities in Iloilo City. A total of 50 business administration teachers were the participants of the study. Who were classified according to; age, sex, civil status, educational attainment, and teaching experience. This study used descriptive-correlational research design. The study found out that there is a significant relationship between financial management practices and well-being among faculty in private universities in Iloilo City. Overall, the results highlighted that there is a moderate to strong positive relationship between financial management practices and financial well-being, suggesting that more effective financial management practices are associated with better financial well-being among faculty members. Based on the findings and conclusions, the researchers recommended that students must adapt effective financial management practices, as well as seeking out financial education resources, and engaging in practical planning are crucial for improving financial well-being, and future researchers must ensure that their participants are divided equally in the sex demographic so that the result will be more accurate and balanced. Abstract only 2024-12-01T00:00:00Z https://hdl.handle.net/20.500.12852/3917 Financial literacy and practices among college students Garbino, Camilla Grace A.; Dy, Jerald Ivan C.; Ong, Jeanylle T.; Desoyo, Marjorie P.; Naranja, Lovelly D. The purpose of this study was to determine the the relationship between financial literacy and financial practices among financial management students in Iloilo City, Philippines. The research involved 264 students from both public and private schools, who were purposively selected to participate. The study was conducted from May to June 2024, and participants were classified based on sex, year level, type of school, senior high school strand, and place of residence. Data were collected through survey questionnaires administered via Google Forms. The data were then analyzed using SPSS, applying statistical tools such as frequency count, mean, standard deviation, Mann-Whitney U test, Kruskal-Wallis H test, and Spearman’s Rho. The results indicated a significant relationship between financial literacy and financial practices. The participants demonstrated a high level of financial literacy and strong financial practices, particularly in areas such as budgeting, saving, investing, and borrowing. Public school students showed superior performance in borrowing practices, rural participants excelled in budgeting and saving, while urban participants performed better in investing. Additionally, significant differences in borrowing-related financial literacy and practices were observed across sex, type of school, senior high school strand, and year levels, particularly between first-year and fourth-year students. These findings underscore the importance of financial literacy in shaping effective financial practices and highlight the need for tailored financial education programs to address gaps and strengthen students’ financial capabilities. Abstract only 2024-12-01T00:00:00Z https://hdl.handle.net/20.500.12852/3916 The capital structure and financial performance of service sector firms listed in the Philippine Stock Exchange (for the period 2018-2022) Magaling, Tim Andrew A.; Cardinal, Hennuel Bonjoben A.; Mandadero, Dorielyn Mae L.; Tolato, Brijette Keith N.; Toria, Cristeven L. This study was conducted to describe the capital structure and financial performance of service sector firms listed in the Philippine Stock Exchange for the period of 2018 to 2022, with the aim of filling in the gap in understanding the dynamics of capital structure and financial performance of firms within a certain period and within the context of the Philippine service sector. The study utilized a descriptive-correlational research design to describe the profiles and determine the differences or relationships between the Capital Structure (Debt and Debt-to-Equity ratio) and Financial Performance (Return on Equity, Return on Assets, and Current ratio) of the service sector firms listed in the Philippine Stock Exchange. The results showed an existing majority when the firms were grouped by subsector, length of operations, year listed in the PSE, and market value. Also, the higher D/E ratio of the transportation services subsector was the only significant statistical difference found among the firms in terms of their capital structure (D/E ratio in particular) when grouped by subsector, length of operations, year listed in the PSE, and market value. This suggests that firms within the transportation services subsector are more heavily reliant on debt compared to other subsectors in the study which may be due to the specific characteristics and requirements of the transportation services subsector. In addition, an inverse relationship was found when pairing the determinants (Debt ratio and ROA). Similarly, the pairing of capital structure ratios (Debt and D/E ratio) with Current Ratio exhibited an inverse relationship as well. The service sector firms listed in the PSE may enhance their understanding on the effective capital structure management within their firms by taking into consideration the capital structure and financial performance description including the differences and relationships revealed in the results of this study. Abstract only 2024-09-01T00:00:00Z