NAVOTAS POLYTECHNIC COLLEGE

Office of the Academic Affairs

Bangus Street corner Apahap Street
Barangay North Bay Boulevard South, Navotas City

Course Title : Personal Finance

Course Code :
Course Credit : 3 units
Pre-Requisite : None
Course Description : Bankruptcies and debt collections have dramatically increased in recent years. In large part, this is due to inadequate financial planning by individuals and businesses. To prepare
the student to deal with a constantly changing economy by having the student: 1) Learn the importance, and have a basic understanding of, planning techniques; 2) Develop and identify analytical skills, by
lecture and class discussion to facilitate effective financial decision-making, including informed decisions regarding budgets, investment, insurance, retirement, and estate planning. Upon course completion,
the student should have the ability to have a working knowledge of the materials covered in the course, thereby providing the student with the ability to make – and, if necessary access, sources – for
making appropriate financial decisions, both personal and business.

Semester/Summer A.Y.: First Semester, A.Y. 2020-202

Institutional Learning Outcomes
 Graduates of NPC are expected to achieve the
following:
 Demonstrate effective communication skills,
critical thinking, problem-solving, decision-
making, creative imagination, and self-reflection
in various situations and exercises;
 Apply knowledge in particular disciplines to
practical and purposeful activities that enhance
academic training;
 Develop significant research and related projects
per program that will be useful and relevant to
the needs of the school, the city, and the larger
community outside;
 Show practical understanding on the values of
responsibility, integrity, accountability, and
quality of work that contribute positively to the
development of society and country;
 Demonstrate capacity on stewardship,
leadership, and service that have deep empathy
and pride in Filipino identity and culture.
 Acquire the new norm in education system in
terms of approaches, pedagogies, technology
through flexible learning options.
Program Outcomes Course Objectives
 Students of Bachelor of Science in Business At the end of the course, students should be able to:
Administration are expected to do the following:  To provide students with basic financial tools and knowledge that will enable
 Demonstrate corporate and social responsibility; them to build the lives they envision.
 Implement the basic functions of management  Help students to apply financial principles to demonstrate sound, practical
such as planning, organizing, staffing, directing, decision-making in personal financial situations.
leading, and controlling;  The course will cover financial responsibilities, planning for the future,
 Use information and communication; technology budgets, income and careers, spending and credit, saving and investing.
(ICT) effectively and efficiently
 Work effectively with other stakeholders and
manage conflict in the workplace;
 Pass the examination conducted by Civil Service;
 Use the proper decision tools to critically,
analytically, and creatively solver problems and
drive results;
 Identify unmet or under-served ethical service and
product needs of specific customer groups and
markets;
 Specify the service and/or product value
contributions of the company which addresses
identified needs of customers;
 Formulate organizational design and
arrangements which effectively deliver desired

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 Institutional Learning Outcomes Program Outcomes Course Objectives
 Involve in extension and production programs for value contributions of the company while ensuring
professional and community development. humane working conditions;
 Develop lifelong competence and interest to the  Provide continuous quality of education through
application of technology under new normal flexible learning options as part of the new
working environment in their specific career normal system;
fields.  Assume supervisory and/or managerial
 Participate in various type of employment and responsibilities within their organization;
development activities, and public discourses  Pursue graduate studies in the business and
particularly in response to the needs of the management;
communities one serves.  Preserve and promote “Filipino historical and
 Globally develop competent, innovative, socially cultural heritage”; (based on RA 7722)
and ethically responsible computing professionals  Effectively communicate orally and in writing
engaged in life-long learning endeavours. using English and Filipino;
 Capable to contribute to the country’s national  Innovate business ideas based on emerging
development goals. industry and manage a strategic business unit for
economic sustainability.

TEACHING AND LEARNING PLAN

Learning and
Teaching
Assessment Tasks /
Week Content Intended Learning Outcomes (ILO) Support Suggested Teaching/Learning Activities (TLAs)
Outputs (ATOs)
Materials
(LTSM)

Understanding Personal After this chapter you should be able to:
Finance
o Achieving Personal
Financial Success
o The Economy Affects
Your Personal
Financial Success
o Think Like an
W1 Economist When
Making Financial
Decisions
o Perform Time Value
of Money Calculations
o Make Smart Money
Students will read week 1 module assigned
Cases
1. Recognize the keys to achieving financial success. Audio and 1. Task to create self-reflections using the paper Assignment, Quizzes,
2. Understand how the economy affects personal financial videos online, reaction (reflections) and homework
success. book references 2. Task to review video clips (visual presentation) Reaction paper
3. Think like an economist when making financial conference 3. Read the entire week 1 module one reference
decisions. journal/ paper text (reading)
4. Perform time value of money calculations in personal 4. Consolidation and submission of output for
financial decision making.
assessment and evaluation (evaluating/
5. Make smart decisions about employee benefits.
judging)
6. Identify the professional certifications of providers of
financial advice.

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 Decisions At Work
o Where to Seek
Expert Financial
Advice
Career Planning After this chapter you should be able to; Students will read week 2 module assigned
o Key Steps in Audio and Cases
Successful Career 1. Identify the key steps inn successful career planning. videos online, 1. Task to create self-reflections using the paper Assignment, Quizzes,
Planning 2. Clarify your work-style personality book references reaction (reflections) and homework
W2 o Know Your Preferred 3. Analyse the financial and legal aspects of employment conference 2. Task to review video clips Reaction paper
Work-Style 4. Practice effective employment search strategies. journal/ paper (visual presentation)
Personality 3. Read the entire week 1 module one reference
o Financial and Legal text (reading)
Aspects and 4. Consolidation and submission of output for
Employment
assessment and evaluation (evaluating/
o Practice Effective
judging)
Employment Search
Strategies
Financial Statements, After this chapter you should be able to; Students will read week 3 module assigned Cases
Tools and Budgets Audio and Assignment, Quizzes,
o Financial Values, 1. Identify your financial values, goals, and strategies. videos online, 1. Task to create self-reflections using the paper and homework
Goals, and Strategies 2. Use balance sheets and cash-flow statements to measure book references reaction (reflections) Reaction paper
W3 o Financial Statements
Measure Your your financial health and progress, just as businesses do. conference 2. Task to review video clips
Financial health and 3. Evaluate your financial strength and progress journal/ paper
Progress (visual presentation)
o Collect and Organize using financial ratios.
your Financial 3. Read the entire week 1 module one reference
Records to Save Time 4. Maintain the financial records necessary for managing
and Money text (reading)
o Money
DiscussTopics
With ato your personal finances. 4. Consolidation and submission of output for
Partner 5. Outline and work toward achieving your financial
o Reaching Your assessment and evaluation (evaluating/
Goals Through goals through budgeting.
Budgeting: Your judging)
Spending/
Savings Action Plan

Managing Checking & After this chapter you should be able to; Audio and Students will read week 4 module assigned Cases
Savings Account videos online, Assignment, Quizzes,
W4 o What is Monetary 1. List and define the tools of monetary asset book references 1. Task to create self-reflections using the paper and homework
Asset Management? management and identify the types of financial conference reaction (reflections) Reaction paper
o Open Checking and services firms that provide those tools. journal/ paper 2. Task to review video clips
Money Market 2. Earn interest and pay no or low fees on your checking (visual presentation)
Accounts accounts. 3. Read the entire week 1 module one reference
o Establish Ownership 3. Make the best use of the benefits of savings accounts. text (reading)
of Assets Wisely 4. Explain the importance of placing excess funds in a 4. Consolidation and submission of output for

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 o Electronic Money
Management
o The Psychology of
Money Management
Building & Maintaining After this chapter you should be able to;
Good Credit
W5 o Advantages and
Disadvantages of Unit
Credit
o Three Ways to Set
Your Own Debt
Limit
o Obtaining Credit and
Building a Good
Credit Reputation
o Dealing With
Over indebtedness
W6 Credit Cards & After this chapter you should be able to;
Consumer Loans
o Credit Card Accounts
o Managing Credit
Cards Wisely
o Understanding
Consumer Instalment
Loans
o Calculating Interest
on Consumer Loans
W7 Management Health After this chapter you should be able to;
Care Expenses
o Addressing the
Financial Burdens of
Illness or Injury
o Sources of Protection
from Direct Medical
Care Costs
o Making Sense of Your
Medical Plan Benefits
o Planning for Long-
money market account. assessment and evaluation (evaluating/
5. Describe electronic money management, including your judging)
legal protections.
6. Discuss your personal finances and money management
more effectively with loved ones.
Audio and Students will read week 5 module assigned Cases
videos online, Assignment, Quizzes,
1. Explain reasons for and against using credit. book references 1. Task to create self-reflections using the paper and homework
2. Establish your own debt limit. conference reaction (reflections) Reaction paper
3. Achieve a good credit reputation. journal/ paper 2. Task to review video clips
4. Describe common sources of consumer credit. (visual presentation)
5. Identify signs of over indebtedness and describe options 3. Read the entire week 1 module one reference
available for debt relief. text (reading)
4. Consolidation and submission of output for
assessment and evaluation (evaluating/
judging)
Audio and Students will read week 6 module assigned
videos online, Cases
1. Compare the common types of consumer credit, book references 1. Task to create self-reflections using the paper Assignment, Quizzes,
including credit cards and instalment loans. conference reaction (reflections) and homework
2. Describe the types and features of credit card accounts. journal/ paper 2. Task to review video clips Reaction paper
3. Manage your credit card accounts to avoid fees and (visual presentation)
finance charges. 3. Read the entire week 1 module one reference
4. Describe the important features of consumer text (reading)
instalment loans 4. Consolidation and submission of output for
5. Calculate the interest and annual percentage rate assessment and evaluation (evaluating/
on consumer loans. judging)
Audio and Students will read week 7 module assigned
videos online, Cases
1. Identify ways that people can manage the financial book references 1. Task to create self-reflections using the paper Assignment, Quizzes,
burdens resulting from illness or injury. conference reaction (reflections) and homework
Reaction paper
2. Distinguish among the types of protection for journal/ paper 2. Task to review video clips
direct medical expenses. (visual presentation)
3. Describe the general benefits and limitations of medical 3. Read the entire week 1 module one reference
care plans. text (reading)
4. Explain how to protect yourself from the expenses for 4. Consolidation and submission of output for
long-term care. assessment and evaluation (evaluating/
5. Develop a plan for protecting your income when you judging)
cannot work due to disability
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 Term Care
o Protecting Your
Income During
Disability
W8 Life Insurance After this chapter you should be able to; Audio and Students will read week 8 module assigned
o How much Life videos online, Cases
Insurance Do You book references 1. Task to create self-reflections using the paper Assignment, Quizzes,
Need? 1. Understand the reasons why you might need conference and homework
life insurance and calculate the appropriate reaction (reflections)
o Two Basic Types of journal/ paper 2. Task to review video clips Reaction paper
Life Insurance amount of coverage.
2. Distinguish among types of life insurance. (visual presentation)
o Understanding your 3. Read the entire week 1 module one reference
Life Insurance Policy 3. Explain the major provisions of life insurance policies.
4. Apply a step-by-step strategy for implementing a life text (reading)
o Step-by-step 4. Consolidation and submission of output for
Strategies for Buying insurance plan.
assessment and evaluation (evaluating/
Life Insurance judging)

W9 Investment After this chapter you should be able to; Audio and Students will read week 9 module assigned
Fundamentals videos online, Cases
o Starting Your 1. Explain how to get started as an investor. book references 1. Task to create self-reflections using the paper Assignment, Quizzes,
Investment Program 2. Discover your own investment philosophy. conference reaction (reflections) and homework
o Identify your journal/ paper 2. Task to review video clips Reaction paper
3. Identify the kinds of investments that match (visual presentation)
Investment
your interests. 3. Read the entire week 1 module one reference
Philosophy and Invest
Accordingly 4. Describe the major factors that affect the rate of text (reading)
o Risks and other return on investments. 4. Consolidation and submission of output for
Factors Affect the 5. Decide which of the five long-term investment assessment and evaluation (evaluating/
Investor’s Return strategies you will utilize. judging)
o Establishing Your 6. Create your own investment plan.
Long-term
Investment Strategy
o Creating Your
Own Investment
Plan

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 W10 Retirement Planning After this chapter you should be able to;
o Retirement Planning
Is your Responsibility
o Understanding Your
Social Security
Retirement Income
Benefits
o Living in Retirement
without Running
Out
Audio and Students will read week 10 module assigned
videos online, Cases
1. Recognize that you are solely responsible for funding references 1. Task to create self-reflections using the paper Assignment, Quizzes,
your retirement and must sacrifice some current conference reaction (reflections) and homework
spending and invest for your future lifestyle. journal/ paper 2. Task to review video clips Reaction paper
2. Understand your SSS/ GSIS retirement Benefits (visual presentation)
3. Understand why you should save for retirement 3. Read the entire week 1 module one reference
within tax-sheltered retirement accounts. text (reading)
4. Distinguish among the types of employer-sponsored 4. Consolidation and submission of output for
retirement plans. assessment and evaluation (evaluating/

of Money 5. Explain the various types of personally established tax- judging)

o Personal Equity and sheltered retirement accounts.
Retirement Account 6. Describe techniques for living in retirement without
running out of money

Readings and Other  German, E.T., and Forgue R.E, T. Personal Finance, Cengage Learning. (2018)
References  Kobliner, Beth. Get a Financial Life: Personal Finance in Your Twenties and Thirties. New
York: Simon & Schuster, 2017
Course Assessment  The expected learning outcomes for the course will be assessed through graded activities and ungraded activities.
 The graded activities include exams, written work (e.g., homework, problem sets) and performance tasks (e.g., quizzes, projects). The criteria for grading are as follows:

Midterm and Final Grade Final Rating

Written Work (Seatwork, Exercises, Cases, etc.) 25% Midterm Grade 50%

Performance Tasks (Quizzes, Projects, Research Papers, etc.) 45% Final Grade 50%

Term Assessment (Midterm/Final Exam) 30% 100%

100%

 The ungraded activities will be used to monitor student’s progress. A variety of these ungraded assessment techniques may be employed, including problems to be completed
during online or blended learnings, direct questioning of students via online or any relevant learnings tools, answering students’ questions through flexible flat-forms
techniques, and discussions during consultation hours thru available flat-forms.

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Course Policies and  Language of Instruction
Statements The language of instruction is English and Filipino.

 Class Participation under Flexible Learning

Students are required to participate in all academic activity/ies failure to participate will constitutes an equivalent demerits or leads to automatically dropped from the class
roll and the Registrar shall be advised accordingly if the student reaches the 20% allowable numbers of un-submitted academic activity.

 Student Rights and Responsibilities

Refer to Student Handbook

 Academic Integrity

Refer to Student Handbook

Course Policies and  Grading System

Statements The students’ academic performance shall be graded in accordance with the following numerical system:

(continued) Grades Percentage Equivalent Descriptive Rating

1.00 - 97-100 - Highly Excellent
1.25 - 94-96 - Excellent
1.50 - 91-93 - Very Superior
1.75 - 88-90 - Superior
2.00 - 85-87 - Very Good
2.25 - 82-84 - Good
2.50 - 79-81 - Satisfactory
2.75 - 76-78 - Fair
3.00 - 75 - Passed
5.00 - Below 75 Failed

 Learners with Disabilities

The Institute strives to make all learning experiences as accessible as possible. If a student anticipates or experiences barriers based on their disability (including mental
health, chronic or temporary medical conditions), the student needs to inform their instructor immediately so that they can discuss options privately. To establish reasonable
accommodations, the student needs to register in the “List of Learners with Disabilities” at the Student Affairs Office.

 Syllabus Flexibility
The instructor reserves the right to amend or change this syllabus as needed. For example, the instructor may modify content, and/or substitute assignments in response to
institutional, weather, or class situations. Any modification, however, must be communicated by the instructor to the Academic Affairs Coordinator via the Program
Coordinator and cannot be implemented without the approval of the Academic Affairs Coordinator. Approved changes shall be discussed by the instructor in class. It is
however the responsibility of the student to check information from the instructor to stay current.

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Committee Cluster Leader:
Members
Members

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Consultation Faculty Member : Maricar T.Artuz
Schedule Email-address : : airalee649@gmail.com
Consultation Hours :
Time and Venue :

Prepared by: Approved by: Noted by:

Virginia D. Conquilla, MBA Program Coordinator Dr. Cecilia M. Saenz

Virginia T. Cruz Education Academic Affairs Coordinator
Jensen A. Santillan AIS

I have read the course syllabus and I understand that I have to comply with the requirements of the course and the expectation from me as a student of (Year/Section/Subject/) during the
(1st or 2nd) Semester of SY ( ). I am fully aware of the consequences of non-compliance with the abovementioned requirements and expectations.

Printed Name and Signature of Student

Date

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