Finally

Republic of the Philippines
Region V
Masbate National Comprehensive High School
Masbate City
FINANCIAL PROBLEM: IT EFFECTS TO THE SCHOLASTIC

PERFORMANCE OF G12 SENIOR HIGH SCHOOL STUDENTS OF MNCHS
Researcher: JaztineAntonnette B. Debulgado

Maria Katrina C. Tabug
Honey D. Toling
Practical Research Adviser

Mrs. Mary Ann C. Capinig
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APPROVAL SHEET
We are presently conducting a research entitled "Financial Problem its effect to the
Scholastic performance of G12 SHS Students of MNCHS." Prepared and submitted by
Jaztine Antonnette B. Debulgado, Maria Katrina C. Tabug, and Honey D. Toling as partial
fulfillment of the requirements for the subject Research 2 recommended for approval
Accepted and approved in partial fulfillment of the requirements for the subject of
Research 2 rating of ____.
MARY ANN C. CAPINIG, MA.Ed.

Adviser
Date ___________
MARK BRYAN B. LOTERTE, MPA

GAS Coordinator
Date ___________
MA. SOLEDAD A. YBANEZ

SHS Coordinator
Date ___________
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ABSTRACT
The purpose of this study is to get rid of, for those students who were unable to
finish their academics, because this is really one of the reasons why some Filipinos are
suffering before, till this days. We are dealing with this kind of research because we want
everyone or every student to show their capabilities, abilities, talents, or intelligence to the
public for our own nations good. Because as a Filipino we are obliged to help on improving
or developing our own nation or country. And for us to be able to help we need knowledge
and for us to possess or obtain knowledge we need to get rid of this financial problem. And
this is what the purpose of this research, to find ways or solutions to somehow obliterate
or eliminate this crisis. Many students believe that financial problems are having an adverse
effect on their academic. This is the kind of research that we have concluded to study
because this is a beneficial research for those students who are particularly experiencing
this phenomenon, because one of the problems we proposed to our research is what we
students, teachers, or administrators can do to help those suffering students. At the end of
this research we might be able or we can possibly identify or devise a solution that could
lessen this kind of case. Based from the results of our research that the researchers have
gathered they were able to conclude the following; 1) As to the respondents, they have
different gender, monthly family income, and daily allowance. 2) As to our questionnaire,
the respondents didn’t consider that financial problem as a main cause of having a failing
grades. 3) As the result of our questionnaire
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more of our respondent chose the “Control yourself from buying unimportant things” and
“School needs or demand” is the best way to manage or spend their allowances.
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ACKNOWLEGEMENT
 The researcher would like to express their gratitude to the following persons who
contributed a lot to complete this research.
 First we would like to thank our ever supporting section adviser Mrs. Hanie Lisa
Aguilar who always encourage and motivate us to work as hard as we can.
 To our practical research adviser Mrs. Mary Ann C. capinig for giving us this
opportunity.
 To our parents for their unwavering support.
 To our Dear 45 respondents for their kindness in filling up our questionnaire and
giving us our needed data.
 To our best friends who always stay beside us even thou we are not able to entertain
them due to abundance of activities. They still care and support us.
 To our enemy and critics for bringing out the best of us.
 And above all to God for guiding us, giving us good health and for giving us this
opportunity to enhance our research skills.
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TABLE OF CONTENTS
Chapter I ………………………………………...………………………………….. 8-16
INTRODUCTION …………………………………………………………….8-9
Background of the Study ……………………………………………………….8-9
Statement of the Problem …………………………………………………….....10
 Hypothesis …………………………………………………………………..10
Scope and Delimitation of the study ………………………………………….....11
 Locale of the Study ………………………………………………………12-14
Significance of the study ………………………………………………………...15
Notes/ References ………………………………………………………….……16
Chapter II ……………………………………………………………………...……17-23
REVIEW OF RELATED LITERATURE AND STUDY ………………..17-23
RRL ………………………………………..………………………………...17-19
RRS ………………………………………………………………………….19-21
Conceptual Framework …………………………………………………………22
Definition of terms ………………………………………………………………23
Chapter III ……………………………………………………………………...…..24-26
 Research Design ……………………………………………………………..24

 Respondents of the Study ……………………………………………………24
 Research Instrument …………………………..…………………………24-25
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 Data Gathering Procedure ………………………………………..…......25

 Statistical Treatment …………………………………………….………26
Chapter IV –PRESENTATION AND INTERPRETATION OF DATA ……7- 30
Chapter V – SUMMARY, CONCLUSION, AND RECOMMENDATIONS ...31-32
Bibliography …………………………………………………………………… 33-34
Appendix …………………………………………………………………………..35
Curriculum Vitae …………………………………………………………………36-38
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CHAPTER I
INTRODUCTION
Background of the Study
Have you ever wonder why some students fail their academic businesses? And have
you ever thought what might be the possible cause of their failure? “financial problem”
financial problem is one of the most devastating or stressful cause to the students why they
fail their scholastic performance even if they want to study as hard as they can, this crisis
won’t let them do whatever they want. Just thinking that you lack financial support while
dealing your academic matters is very unsettling or it gives us too much pressure that
enable us to execute greatly to every performance we need to deal in our school just to
excel. There’s a lot of devastating things that financial problem could give to the students,
not just too much pressure but there’s more. For instance lack of confidence, doubting your
own abilities, committing unnecessary business that could lead us to death. Financial
problem is not a laughing matter that you could easily overcome. Living easily while
dealing this problem could really lead us to death. We all know that this kind of problem
has a lot of cases already, and this thing is already considered as a common societal
problem. Going back to our main topic or subject financial problem could even force a
student to stop attending to school and enter a new level of living which is working for
himself or for his family at the very young age. This is what our
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research aims to get rid of, for those students who were unable to finish their academics,
because this is really one of the reasons why some Filipinos are suffering before, till this
days. We are dealing with this kind of research because we want everyone or every student
to show their capabilities, abilities, talents, or intelligence to the public for our own nations
good. Because as a Filipino we are obliged to help on improving or developing our own
nation or country. And for us to be able to help we need knowledge and for us to possess
or obtain knowledge we need to get rid of this financial problem. And this is what the
purpose of this research, to find ways or solutions to somehow obliterate or eliminate this
crisis. The aim of our research is to know the percentage of the first batch of SHS students
of MNCHS who failed their scholastic performance because of financial problem or crisis.
we can successfully gather all the data we needed to this research by the help of the school’s
administration because we all know that the school administration has all the record or data
of all the students, which is very beneficial for us researchers because by the help of the
school administration we can simply locate all the students who failed last school year
(2016-2017). This research also aims to know the recommendations or suggestions of the
respondents since they are the ones who experienced this problem, it is expected that we
can create or make a great solution for this matter to prevent this awful crisis from
happening. This is the kind of research that we have concluded to study because this is a
beneficial research for those students who are particularly experiencing this phenomenon,
because one of the problems we proposed to our research is what we students, teachers, or
administrators can do to help those
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suffering students. At the end of this research we might be able or we can possibly identify
or devise a solution that could lessen this kind of case.
Statement of the Problem
The researcher aims to know what is the percentage of the failure First batch
SHS students in academics performance, so we can help or solve their problems. The main
objective or purpose of our research is to know the accurate od exact rating of all the
students who failed their scholastic performance caused by financial problem in the school
year 2016-2017.
1. What is the socio-demographic profile of the respondents?
2. How much is the percentage of the failures of academic performance in the school year
2016-2017 caused by financial problem?
3. What are the things that we students, teachers, or administrators can do to at least keep
on giving them opportunities to achieve their dreams by supporting their academic needs?
Hypothesis
Many students believe that financial problems are not the cause of having a
failure in academics or grades.
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Scope and Delimitation of the study
What the researchers seek in this study is the actual percentage of the students who
failed their scholastic performance caused by financial crisis. Our research focuses on the
students of the Masbate national comprehensive high school (MNCHS) who was not able
to pass their academic matters because of some handycuff that enables them to bring out
their best in school. This study will be conducted or will last till the month of October; the
time given to the researchers is enough to gather all the data needed for the study to be
completed. we made this study to possibly revise or make a way or solution to eradicate
this crisis that might cause agonies to the students, so that once we somehow get rid of this
crisis, this could possibly be a trivial news in the department of education (Deped) because
as a department, who aims to teach all the children if possible, this would be a dream come
true for them, and also for those children. In this research we will be dealing with those
students of MNCHS who suffers the stress and pressures brought by financial crisis. this
research will be completed once we gathered all the data needed to identify or locate all
the students who failed, and make an appointment with us to interview them on about their
experience in this particular kind of problem or crisis, and to take the opportunity to ask
them about their recommendations or suggestions to create or make a great solution.
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Locale of the Study
From a humble beginning, the Masbate High School first opened in August 1917
with a first year class, with no building of its own, so that the students were housed in a
classroom in what is now the Jose Zurbito Sr. Elementary School. Only first year classes
were in operation for two years until a second year class was organized in 1919-20,
followed by a third year class in 1922-23. Mr. Luis Barlet was the first school principal
and through his foresight he ensured the reservation of a school site of 36 hectares, covering
the sprawling area presently occupied by the Jose Zurbito Sr. Elementary School, Masbate
Athletic Grounds, the Provincial Hospital, and extending up to Medina Street, but all that
remains of this area is only 7.6 hectares.Due to the absence of a complete secondary course,
many Masbateños decided to study at the Sorsogon High School. Masbate was then a sub-
province of Sorsogon.The first graduating class during the school year 1924-25 consisted
of twenty-six members, with Jose Rubia as the valedictorian and Juan Arce as the
salutatorian, the principal was Mr. Alfonso Villaflor.In the more than seven decades of its
existence, the school has passed under the stewardship of nineteen principals with only two
ladies in the group. Mr. Jesus Moya, who had been teaching in the school for more than
ten years, became the first Masbateño to become principal in 1946. During the
administration of Mr. Jesus Menez in 1947, RANCH, the school paper was founded.The
retirement of Mr. CresencianoBailon in 1977 gave way to the assignment of Mrs. Patria B.
Butalid. Barely three months after her appointment as principal, was Masbate High School
converted into Masbate National Comprehensive
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High School by virtue of a Presidential Proclamation,
during the on-the-spot countryside visit of former President Ferdinand E. Marcos to
Masbate on September 15, 1977.The proclamation became a reality on December 7, 1977
when the school received its first budget allotment for its nationalization. This is also the
day when the school celebrates its anniversarySince its nationalization the school has
endeavored to give a quality secondary education to the youth and to the community it has
committed to serve. It has made a name for itself and can hold its own among the secondary
schools in the country, be it in academics, athletics and other related activities. Proof is, it
was awarded The Most Effective Secondary School in Region V in 1998-2001 and one of
the Top Three Schools in the entire country.The school is proud of its numerous alumni
who have brought honor, distinguishing themselves in various fields both in public and
private sectors. Foremost among them is Congressmen Emilio R. Espinosa, Jr., a 1940
alumnus who was once a BatasanPambansa Member, Cabinet Member, Governor and
served as Secretary of Labor under President Ferdinand E. Marcos. Honorable Leonardo
Quisumbing former Secretary of Labor and Employment, an alumnus of class 1955 and
presently Associate Justice of the Supreme Court.
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30B Rodeo Building
30A
29B
15 16 17 18 19 20 21 22
28A
11 10 9 8 7 6 5 4
27B
3
33
26A
12 32
25B 31
ICT
14
24B Library
13
23A
MNCHS
Annex
Tanggapan
Canteen
Faculty Guard
Lounge House
Annex
Campus Gate
GAS
ABM
LEGENDS
STEM
TVL
Figure 1: Map of the Area of Study
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Significance of the Study
Students – this study deemed to benefit the following and is conducted to know the actual
percentage of the students who suffered the crisis of being unable to study because of
financial problem. This research seeks to know the recommendations or suggestions of
respondents which are the students who struggles against poverty to revise or create or
make an effective way of solving this crisis. This study will benefit the upcoming students
or future researchers who will dive into this kind of research because this will give them
some concrete, precise, or accurate information or data relevant to our research, and also
for those students who might experience or who are currently experiencing this particular
problem for them to somehow get rid it or struggle against it.
Teacher – This Study will also benefit the teacher for them to be able to prepare some
countermeasure or plans if ever there are students are experiencing this problem, so that
they’ll be able to do their job as a teacher to encourage them, motivate them, and set them
to the summit of their perseverance and determination to struggle as they can to get rid of
this crisis.
Community/ Society – This research is also beneficial to our community or society
because we that, we children carries the future of the development of our country, as long
as we persevere and study as hard as we can for the good of our country we can.
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Reference
Providing Quality Education to The Community (Masbate National Comprehensive High
School) June 02, 1995 <https://mnchsmhsofficialwebsite.wordpress.com/about/about-us/
Student money problem affect performance (University of central England June 2, 1995)
<https://www.timeshighereducation.com/news/student-money-problem-affect-
performance/98360.article
CHAPTER II
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REVIEW OF RELATED LITERATURE AND
STUDIES
Review of Related Literature
This study helps us to understand that the current student financial assistance
system will need to undergo certain changes in order to positively impact university
success.Financial Problem of Students Essay 665 Words Dec 10th, 2012 3 Pages Show
More What are factors that causes financial problem of a students And what are the effects
of it? Handouts and material things are large expenses for students. A full-time senior high
school student might spend so much money for the school expenses. Many times, these
students do not realize they could apply for federal Pell grants to cover many of these
expenditures. Pell grant recipients must meet certain income requirements, but scholarships
are often available for students not eligible for those grants. Find out more through your
school website or counseling office or on websites such as Studentscholarships.org.
According to an article by "The New York Times," variable interest rate loans can reach
20 percent. This can lead to long-term debt that is often difficult to cope with for recent
college graduates. Because of the Fiscal Responsibility Act, students can now take out
government loans at rates ranging from 4 percent to 9 percent. At the end of the loan period,
repayments required will not exceed 10 percent of your discretionary income, and if the
loan still exists after 20 years, the balance is forgiven.
“Financial stress is, like many others, a significant stressor, not only among students
but also working professionals. We would expect it to have similar
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psychological, physical, and behavioral strains to that
of many other commonly studied stressors such as workload or conflict at work,” said Lee
in an email statement. Lee refers to commonly experienced strains, such as depression, and
affirms that any form of stressor can have an impact on a person’s cognitive resources. She
cites sleeplessness as a common strain experienced among many as a stressor that can leave
someone unable to function at full mental capacity at work or school. As a professor, Lee
sees that some students appear tired and have difficulty with time flexibility, something
she tries to accommodate by offering plentiful opportunities for extra credit points and
exam reviews. “I understand that people who walk in late to class, leave early or even fall
asleep are not always doing so out of being disrespectful. Many times, there are students
who are working full time and are doing the best they can,” said Lee. Meagan Tarantelli is
a junior and communication arts major working part-time and going to school full-time.
“You don’t sleep very much,” said Tarantelli when asked how she manages to perform
well in school while working part-time. She remembers the start of her college career, when
she wasn’t worried about her finances and didn’t have the stress of having to work. “During
that time I took four to five classes, I was vice president of my campus and I was involved
in many clubs. That stress is nothing compared to what it is like having to work,” said
Tarantelli. Now, Tarantelli takes half of her classes online, to accommodate her schedule,
and admits that juggling online, in-person classes and a work schedule can be difficult and
may affect IQ. “I absolutely agree that financial stress affects cognitive ability because it
affects your ability to focus if you are worried about
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more pressing issues,” said Tarantelli. Daniel Fonseca,
a junior majoring in international relations, is an exclusively online student, taking five
classes while working full-time. “Having to work is an added distraction that is always on
the back of your mind and doesn’t facilitate learning,” said Fonseca. Fonseca has forced
himself to prioritize with school and work, allowing other obligations to take a backseat.
He has had to become extremely organized to keep track of due dates, but admits that
working affects his ability to perform. “I work on projects and if something goes wrong, it
stays with me after the clock ends, so that preoccupation of not having enough money is
replaced by the preoccupation of the problems at work,” said Fonseca.
Review of Related Study
Student money problems affect performance June 2, 2004 Many students believe
that financial problems are having an adverse effect on their academic performance, a
survey of University of the Philippines has shown. UP's Centre for Research into Quality
(CRQ), found that 51.9 percent of the 1,139 full-time undergraduates polled believed their
academic performance was suffering and 15.1 per cent believed that there was a major
negative impact. Lee Harvey, senior research fellow at CRQ and co-author, with Selena
Mason, of the report, believes that UP’s students are reasonably representative.
The survey had been constructed so as to minimize overstatement of financial and
academic difficulties. Just over 20 percent said that their financial status had a positive
impact on their academic performance. Students who also had part-time jobs were more
likely to think that financial problems were affecting their academic work, with
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proportions rising to more than 60 percent for those working 11 or more hours per week,
against 49 per cent for those with no part-time job. The report found an overwhelming lack
of confidence in the current higher education funding system, with 92.2 per cent calling for
reform against only 2.7 per cent wanting to leave things as they are. Asked about alternative
sources of funding, students drew a clear distinction between tuition and maintenance.
Seventy-one percent believe that Government should continue to contribute 100 percent of
tuition costs, but 44 per cent were prepared to accept either a student or a graduate
contribution to maintenance. In many cases they were prepared to say that this should be
50 percent or more of the maintenance cost." The report argues that it is the current student
loan system of maintenance rather than the idea of student contributions in them that makes
students unhappy.
As stated in Financial research (Joo,2008; Xiao, Tang, & Shim, 2009) has long
recognized that financial behavior is the main determinant of one’s financial well-being,
which, in turn, is influenced by four major factors – financial attitude, financial
socialization, financial socialization agents and financial knowledge. Taken together these
factors make gender studies in economic issues essential in order to understand the
differences in the determinant factors of male and female financial problem. Thus, the
primary aim of the present study is to determine gender differences in factors predict
financial problem among Malaysian students. However identifying gender differences in
determinant factors of financial problems provides a better understanding of male and
female differences in financial management and educational needs. $1.25 Tuesday, May
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27, 2014 Vol XCIII, No. 311 Problem Statement FINANCIAL PROBLEMS AMONG
UNITAR STUDENTS RESEARCH FINDINGS For a majority of UNITAR students,
university attendance is the first time they have experienced financial problem. With the
expansion of educational services in Malaysia, which tripled the number of college students
in two recent decades (Economic Planning Unit, 2006) university or college students have
become an important consumer market segment. However there has been limited research
on financial problem (e.g. savings), especially college students, since the concern over the
role of young consumers is relatively new. Based on the research that had been done above
we have discovered financial problem not only occurred because of the lack of
responsibility of the student to manage their financial, but also there are four (4)
consideration that come into play with financial situation with students.
CONCEPTUAL FRAMEWORK
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Financial stress is a concern because of the
negative health outcomes associated with increased levels of stress. Therefore, as
researchers examine factors r likelihood of reporting financial stress, it may be useful to
turn to a health care model. The Roy Adaptation Model (RAM), see Figure 1, is a well-
known theoretical framework for designing nursing intervention for patients (Rice, 2011).
Under this framework, the patient is viewed as an adaptive system that manages external
or internal stimuli through control coping mechanisms) and the output is either adaptation
(health) or ineffective responses (illness) (Roy, 2011, 2011; Roy & Roberts, 2012). Since
the details of the RAM are discussed in the nursing context, the specific, technical features
of the model will not be discussed here. For a detailed coverage of the model, interested
readers Andrews (2012).
Figure 1:
Feedback
Input (Stimuli)
 Control
Process
 Effectors
Output (Responces)
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Definition of Terms
Cognitive Resources - Is a leadership theory of industrial and organizational psychology
developed by Fred Fiedler and Joe Garcia in 1987 as a reconceptualization of the Fiedler
contingency model. The theory focuses on the influence of the leader's intelligence and
experience on his or her reaction to stress.
Discretionary - Available for use at the discretion of the user.
Eligible - Having the right to do or obtain something; satisfying the appropriate
conditions.
Expenditures - The action of spending funds
Fiscal responsibility - is a catch-phrase that seemingly no politician can do without. The
White House used “fiscal responsibility” to name a summit meeting, a bipartisan national
commission, and one of their web pages. House Democrats named “fiscal responsibility”
as a top priority; so did Senate Republicans.
Pell Grant - Is a subsidy the U.S. federal government provides for students who need it
to pay for college. Federal Pell Grants are limited to students with financial need, who
have not earned their first bachelor's degree, or who are enrolled in certain post-
baccalaureate programs, through participating institutions.
Unitar - United Nations Institute for Training and Research.
CHAPTER III
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METHODOLOGY
This chapter presents the research design, Respondents of the study, Research
Instrument, Sampling Method, Data Gathering and lastly the Statistical Treatment of data
Research Design
The researchers used the descriptive and analysis method, this has been necessary
on analyzing the effects of financial problem to scholastic performance of Senior high
School Students in Masbate National Comprehensive High School. Effect of Financial
Problem to the SHS students such as stress, anxiety, and depression that leads to stop their
dreams. Recommendation to solve the problem that the students, teachers or administrators
can do at least keep on giving them opportunities to achieve their dreams by supporting
their academic needs.
Respondents of the Study
The respondents of the study were the senior high school students of MNCHS. The
researchers decided to get 50 respondents.
Research Instruments
The researchers, in order to answer the questions given in the statement of the
problem, made used survey questionnaire as our research instrument. The respondents
survey questionnaire have been attached the personal information. This supports our
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research topic. The survey questionnaire was divided
into three essential questions. The first question is the socio demographic profile,
percentage of SHS students who failed
Sampling Method
Probability sampling because our main objective is to know the effect of financial
problem to the SHS student, which is the cause of failed in academics.
Data Gathering Procedure
To make sure that the conduct of the study shall be orderly and have a good result
as well, the researchers made use of the following procedures.
1. The researchers prepare a Survey Questionnaire to the chosen respondents.
2. The respondents were given at least 20 minutes to deliberate the questions of the research
instrument. This was a necessary for the respondents to give intelligent answers.
3. After the duration for the answering of the questions of the research instrument, the next
step was retrieval of the questionnaires. To make sure that all the given items are not
missed, the furnished interview guide and questionnaires were first examined. If there were
any missed items, then the researchers simply asked the respondents on what is his or her
answer on the missed question.
4. After the researchers already finished with the data gathering, they proceeded to the
analysis and interpretation of the data gathered.
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Statistical Treatment of Data
To analyze and interpret the data gathered, the study made use of the following
statistical tools:
Frequency Count to show how often a particular occurs in the frequency table. This
involves the process of tabulating all the answer of the respondents on the questionnaire.
Percentage to compute and describe the magnitude of the variables.
The formula for percentage was:
P = f / n × 100
Where:
P is the Percentage
F is Frequency count
N is total number of the respondents
100 is constant
CHAPTER IV
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PRESENTATION AND INTERPRETATION OF
DATA
Table 1.1– Socio Demographic Profile
Table I Illustrate the Socio Demographic Profile of SHS Student. The first
Gender: Frequency Percentage Total
Female 29 58% 100%
Male 21 42%
Important Question indicate the profile of Students, in this field the highest frequency is
the Female who got 29 or equivalent to 58%, while Male got the lowest frequency of 21 or
equivalent to 42%.
Table 1.2 – Daily Allowance
Frequency Percentage Total

₱10 – ₱20 13 26%
₱30 – ₱50 27 54% 100%
₱60 – ₱100 10 20%
The daily allowance of the respondents. 30 – 50pesos got the highest frequency of
27 or equivalent to 54% while the 10 – 20 pesos got the frequency of 13 or equivalent to
26% and last is the 60 – 100 pesos got the lowest frequency of 10 or equivalent of 20%.
Table 1.3 – Monthly Family Income

₱500 – ₱1000 9 18%
₱5000 – ₱10000 22 44% 100%
₱15000 – ₱20000 14 28%
₱25000 – ₱30000 4 8%
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The Monthly Family Income of respondents 5000-
10000K got the highest frequency of 22 or equivalent to 44%, Next is the 15000 – 20000K
got the frequency of 14 or equivalent to 28%, then 500 – 1000K got the frequency of 9 or
equivalent to 18%, and last the 25000 – 30000K who got the lowest frequency of 4 or
equivalent of 8%.
Table II – The Yes, No, and Maybe
Table 2 Frequency Percentage Total

1. Do you consider that the financial problem is the main
cause of having failure grades?
Yes 6 12%
No 25 50% 100%
Maybe 19 38%
2. Are you having a hard time managing your allowance?
Yes 28 56%
No 16 32% 100%
Maybe 6 12%
3. Do you consider that planning and managing school
budgets is the solution?
Yes 41 82%
No 2 4% 100%
Maybe 7 14%
In this 2nd structural question has the choices of Yes, No and Maybe. The 1st
question, No got the highest frequency of 25 or equivalent to 50%, while maybe got the
frequency of 19 or equivalent to 38%, and last is yes who got the lowest frequency of 6 or
equivalent to 12%. In the 2nd question, yes got the highest frequency of 28 or equivalent to
56%, while No got the frequency of 16 or equivalent to 32% and last is the Maybe who got
the lowest frequency of 6 or equivalent 12%. In last question, Yes got the highest frequency
of 42 or equivalent to 82%, while Maybe got the frequency of 7 or equivalent to 14%, and
last is No who got the lowest frequency of 2 or equivalent to 4.
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Table III – Which is the best way to manage their daily allowance

What do you think is the best way to manage your daily
allowance?
Economize 3 6%
Expend in an 10 20%
important matter
Control yourself 24 48%
from buying
unimportant things 100%
Save your excess 5 10%
money
Make a plan on how 8 16%
you’re going to
spend your money
Other 0 0
rd
In this 3 structural question show how the respondent Manage their daily
allowance, first who got the highest score was the Control or Discipline yourself from
buying unimportant things got the frequency of 24 or equivalent to 48%, next is Expend in
an important matter got the frequency of 10 or equivalent to 20%, then the Make a plan on
how you’re going to spend your money got the frequency of 8 or equivalent to 16%, yet
the Save your excess money got the frequency of 5 or equivalent to 10%, while Economize
got the frequency of 3 or equivalent of 6%, and last was the Others who got the lowest
frequency of 0 or equivalent to 0%.
29
Region V
Masbate City

How do you spend your money?
By purchasing non- 1 2%
sense things
Foods 6 12%
Transportation 7 14%
Purchasing School 15 21% 100%
Requirements
School Needs or 21 42%
Demands
Others 0 0
In this table show how the respondents spend their daily allowance, the first who
got the highest score was the School Needs or Demands got the frequency of 21 or
equivalent to 42%, next was the Purchasing School Requirements got the frequency of 15
or equivalent to 30%, then the Transportation got the frequency of 7 or equivalent to 14%,
Yet the Foods got the frequency of 6 or equivalent to 12%, while the By purchasing non-
sense things got the frequency of 1 or equivalent to 2%, and last was the Others got the
lowest frequency of 0 or equivalent to 0%.
30
Region V
Masbate City
CHAPTER V
SUMMARY, CONCLUSION, AND
RECOMMENDATIONS
Summary
This research study attempted to determine best way to overcome the failure grades
of senior high school students in Masbate National Comprehensive High School and to
find the best solution/recommendation. This research questionnaire is needed to be
answered by the senior high school respondents.
Statement of the Problem
The researcher aims to know what is the percentage of the failure First batch
SHS students in academics performance, so we can help or solve their problems.
1. What is the socio-demographic profile of the respondents?
2. How much is the percentage of the failures of academic performance in the school year
2016-2017 caused by financial problem?
3. What are the things that we students, teachers, or administrators can do to at least keep
on giving them opportunities to achieve their dreams by supporting their academic needs.
Conclusion
Based from the results of our research that the researchers have gathered they were
able to conclude the following:
31
Region V
Masbate City
1. As to the respondents, they have different gender, monthly family income, and daily
allowance.
2. As to our questionnaire, the respondents didn’t consider that financial problem as a
main cause of having a failing grades.
3. As the result of our questionnaire more of our respondent chose the “Control
yourself from buying unimportant things” and “School needs or demand” is the
best way to manage or spend their allowances.
Recommendations
Base on our questionnaire, the respondents prefer to “Control your from buying
unimportant things” and “School Needs or Demands” Is the effective way on managing
our allowances. How to help a senior high school students in managing their allowance are
encouraging them to have a few savings, most traditional age students are working and
working, therefore, an increasing number of students must balance, they need to work to
pay for their academic needs.
32
Region V
Masbate City
BIBLIOGRAPHY
Providing Quality Education to The Community (Masbate National Comprehensive High
School) June 02, 1995 <https://mnchsmhsofficialwebsite.wordpress.com/about/about-us/
Student money problem affect performance (University of central England June 2, 1995)
<https://www.timeshighereducation.com/news/student-money-problem-affect-
https://www.timeshighereducation.com/news/student-money-problems-affect-
https://thespians2011.wordpress.com/2013/06/28/financial-problems-facing-the-
education-of-students/
https://mg.co.za/article/2014-04-08-poor-students-face-massive-financial-stress
http://panthernow.com/2013/09/17/effects-of-financial-stress-on-academic-performance/
http://theconversation.com/financial-stress-distracts-university-students-from-academic-
success-49818
https://www.insidehighered.com/news/2012/11/15/finances-affect-students-academically-
nsse-2012-finds
33
Region V
Masbate City
http://www.frqsc.gouv.qc.ca/en/partenariat/nos-resultats-de-recherche/histoire/the-
impact-of-financial-difficulties-and-student-financial-assistance-on-university-studies-
kpb7iqu41428414630202
http://www.tandfonline.com/doi/abs/10.1080/0309877X.2011.584969
https://www.inceptia.org/PDF/Inceptia_FinancialStress_whitepaper.pdf
https://news.osu.edu/news/2015/07/01/financial-wellness/
https://www.lifeline.org.au/get-help/topics/financial-problems
http://www.chronicle.com/article/Economy-Affects-Students/135790
34
Region V
Masbate City
APPENDIX
Financial problems has caused a lot of effect on the educational sector, the increase
exorbitant cost formal education constitute the major excuse most parents or guardians
gives for not educating or withdrawing their children and wards from school to learn a
trade, they do not bother to put or contribute their money in the education of their children.
Some students for financial reasons could not pay attention in the class, rather they would
be thinking of how to get money to buy their practical materials, handouts e.t.c in most
institutions today, we have many ladies going into prostitution for financial purposes, since
they do not have other means of getting money. Likewise, the guys also engage themselves
in cultism or armed robbery. Moreover, some students whose studies are going smoothly
suddenly fall victim of half education because of their parents or guardians who go through
financial crises or they could even lose them and that could make them stop their education.
Institutions of higher learning need to understand the full impact of the conditions of
poverty, under which students live, think and learn while studying for a degree or diploma
and how these conditions affect their academic success. Entry into tertiary education for
students from poor backgrounds is an opportunity to change their economic status at a
personal and family level. But this becomes difficult to achieve when their economic
conditions impact on their ability to achieve academic success. Without adequate financial
resources available in institutions of higher learning, students' experiences of poverty may
be only marginally alleviated, which merely extends and in effect reproduces systemic
conditions of poverty.
35
Region V
Masbate City
CURRICULUM VITAE
NAME: Jaztine Antonnette B. Debulgado
ADDRESS: Zurbito st. Masbate City
AGE: 16
NAME OF FATHER: Mr. Roy A. Debulgado
OCCUPATION: Driver
NAME OF MOTHER: Mrs. Mercy B. Debulgado
OCCUPATION: Government Employee
EDUCATIONAL ATTAINMENT:
ELEMENTARY LEVEL:
Jose Zurbito Sr. Elementary School
Quezon St., Masbate City
2005 - 2011
SECONDARY LEVEL:
2011-2018
36
Region V
Masbate City
CURRICULUM VITAE
NAME: Maria Katrina C. Tabug
ADDRESS: 24 Osmeña St., Masbate City
AGE: 17
NAME OF FATHER: Mr. Rudy S. Tabug
OCCUPATION: Retired PNP
NAME OF MOTHER: Mrs. Ma. Virginia C. Tabug
OCCUPATION: Housewife
ELEMENTARY LEVEL:
Amancio Aguilar Elementary School
Danao St., Masbate City
2005-2011
SECONDARY LEVEL:
2011-2018
37
Region V
Masbate City
CURRICULUM VITAE
NAME: Honey D. Toling
ADDRESS: Nursery A-1, Masbate City
AGE: 18
NAME OF FATHER: Mr. Harry M. Toling
OCCUPATION: Government Employee
ELEMENTARY LEVEL:
Jose Zurbito Sr. Elementary School
2005 - 2011
SECONDARY LEVEL:
2011-2018
38

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Republic of the Philippines

FINANCIAL PROBLEM: IT EFFECTS TO THE SCHOLASTIC

Researcher: JaztineAntonnette B. Debulgado

Practical Research Adviser

Scholastic performance of G12 SHS Students of MNCHS." Prepared and submitted by

Research 2 rating of ____.

MARY ANN C. CAPINIG, MA.Ed.

MARK BRYAN B. LOTERTE, MPA

MA. SOLEDAD A. YBANEZ

grades. 3) As the result of our questionnaire

contributed a lot to complete this research.

Aguilar who always encourage and motivate us to work as hard as we can.

 To our parents for their unwavering support.

giving us our needed data.

opportunity to enhance our research skills.

Chapter I ………………………………………...………………………………….. 8-16

Background of the Study ……………………………………………………….8-9

Statement of the Problem …………………………………………………….....10

Scope and Delimitation of the study ………………………………………….....11

 Locale of the Study ………………………………………………………12-14

Significance of the study ………………………………………………………...15

Notes/ References ………………………………………………………….……16

REVIEW OF RELATED LITERATURE AND STUDY ………………..17-23

Conceptual Framework …………………………………………………………22

Definition of terms ………………………………………………………………23

Chapter III ……………………………………………………………………...…..24-26

 Research Design ……………………………………………………………..24

 Data Gathering Procedure ………………………………………..…......25

Chapter IV –PRESENTATION AND INTERPRETATION OF DATA ……7- 30

Chapter V – SUMMARY, CONCLUSION, AND RECOMMENDATIONS ...31-32

Bibliography …………………………………………………………………… 33-34

Curriculum Vitae …………………………………………………………………36-38

Background of the Study

administrators can do to help those

or devise a solution that could lessen this kind of case.

Statement of the Problem

1. What is the socio-demographic profile of the respondents?

2016-2017 caused by financial problem?

failure in academics or grades.

Scope and Delimitation of the study

them about their recommendations or suggestions to create or make a great solution.

converted into Masbate National Comprehensive

during the on-the-spot countryside visit of former President Ferdinand E. Marcos to

Masbate on September 15, 1977.The proclamation became a reality on December 7, 1977

served as Secretary of Labor under President Ferdinand E. Marcos. Honorable Leonardo

presently Associate Justice of the Supreme Court.

30B Rodeo Building

Figure 1: Map of the Area of Study

financial problem. This research seeks to know the recommendations or suggestions of

problem for them to somehow get rid it or struggle against it.

Community/ Society – This research is also beneficial to our community or society

Providing Quality Education to The Community (Masbate National Comprehensive High

School) June 02, 1995 <https://mnchsmhsofficialwebsite.wordpress.com/about/about-us/

Review of Related Literature

school website or counseling office or on websites such as Studentscholarships.org.

loan still exists after 20 years, the balance is forgiven.

but also working professionals. We would expect it to have similar

affects your ability to focus if you are worried about

a junior majoring in international relations, is an exclusively online student, taking five

replaced by the preoccupation of the problems at work,” said Fonseca.

Review of Related Study

The survey had been constructed so as to minimize overstatement of financial and

which, in turn, is influenced by four major factors – financial attitude, financial

financial problem among Malaysian students. However identifying gender differences in