Chapter 5

Summary of Findings, Conclusions, Recommendations

This chapter consists of four parts, namely: (1 Summary of Findings,

which presents the findings derived from data analysis and interpretation, (2
Conclusions, which presents the conclusions made after completing the study and (3
Recommendations, which offers recommendation in view of the results drawn. This
research was conducted to determine the effects of financial stress to the social state of
grade 12 Euter students and implications based on the findings of the study.

The respondents of the study were the Grade 12 Euter students of

Goldenstate College. In Table 1, the majority of Grade 12 Euter among the genders,
females have the highest frequency of 21, which accounts for 55.26% of the total. In
contrast, males only have a frequency of 17, representing 44.74% of the total. In Table
2, in a survey of 38 students, 99.99% reported experiencing financial stress, with
34.21% facing it “always”, 18.42% “often”, and 34.21% “sometimes”. Only 5.26%
experience it “seldom”, while 7.89% “never” do. Specifically, approximately 34.21% of
Grade 12 Euter students are dealing with financial stress, indicating a notable challenge
that could impact their academic performance.

In Table 3, the data in the table indicates that 84.21% of students,

experience academic difficulties due to financial stress. Only 7.89% disagreed with this
statement, and 2.63% strongly disagreed. This underscores the significant impact of
financial hardship on students’ learning, motivation, and overall academic performance.
Summary of Findings

Based on the analysis of the gathered data, the following were the findings
accumulated by this research:

The researchers have gathered 38 Senior High School students (Grade 12 Euter
whose ages are within 17-19 years old with the total of 21 girls and 17 boys by the use
of random sampling technique. Researchers found out that 34.21% of the 38
respondents are “always” and “sometimes” experiencing from financial stress. Also, the
researchers found out that 84.21% experiencing academic difficulties due to financial
stress, emphasizing its substantial impact on learning and motivation.

Conclusions

The following conclusion formulated by the frequent about the findings

accumulated by this study:

1. Generally, the effects of financial stress on the social state of the indicator for the
school year 2023-2024 has been described as always.

2. The students faced the consequences of financial stress on the social state are
multifaceted, affecting individual well-being, family dynamics, education, social
inequality, and community cohesion. Addressing financial stress requires a
comprehensive approach that involves both individual financial literacy and systemic
interventions to promote economic stability and social support structures.

Recommendations

Based on the findings and conclusions, the following are recommended:

1. Students should know how to prioritize a budget to manage expenses effectively.
2. Students should Communicate with professors about your situation and explore
flexible payment plans.