Santiago City, Philippines
www.northeasterncollege.edu.ph
LETTER TO CONDUCT
October 21, 2024
CLEMENTE P. CLARO, JR., Ph.D., CPA
Dean, College of Accountancy and Business Administration
Dear Sir,
We, the 4th year students of Bachelor of Science in Accountancy of Northeastern
College are currently conducting research titled, “The Relationship Between
Financial Literacy and Financial Behavior Among College of Accountancy and
Business Administration-Management Students at Northeastern College” in
partial fulfillment of our requirement in Accounting Research 2.
In line with this, we are humbly asking your good office to please allow us to
conduct our research data gathering and collection in the form of a survey
questionnaire via Google Form. We request that our respondents are the
students enrolled in College of Accountancy and Business Administration
(CABA) - Management Accounting at Northeastern College for the 1 st Semester,
School Year 2024-2025.
Rest assured that the gathered data will be treated with utmost confidentiality
and for academic purposes only. We hope that this request will merit your
positive response.
Thank you very much for your favorable approval and endorsement of this
request.
Very respectfully yours,
ANGELIKA MAE R. RAMOS
Research Leader
Noted: Recommending Approval:
VENUS R. PASCUAL, PhD, MABio NORIEL R. CAILLAN
Research Adviser Instructor, Accounting Research 2
Approved:
CLEMENTE P. CLARO, JR., Ph.D., CPA
Dean, College of Accountancy and Business Administration
52
Santiago City, Philippines
www.northeasterncollege.edu.ph
RESEARCH QUESTIONNAIRE
Dear Respondents,
We, the 4th year students of Bachelor of Science in Accountancy (BSA) would like to ask your
permission to be one of the respondents to accomplish this research entitled “The Relationship
Between Financial Literacy and Financial Behavior Among College of Accountancy and Business
Administration-Management Students at Northeastern College”. Each question must be
answered briefly and honestly. Your answers will be a great help in the realization of this
undertaking and will be reflected in our data. Rest assured that the data collected will be handled
with utmost confidentiality. Thank you and God bless!
The Researchers
Part I. Demographic Profile
Direction: Please provide the information needed below.
Name (optional): __________________________________ Year Level: ___________
Sex: ______
Part II. Information Proper
Direction: Put a check (√) mark on the corresponding scale which indicates your level of agreement
to each statement below.
4 – Strongly Agree 3 – Agree 2 – Disagree 1 - Strongly Disagree
Statements 4 3 2 1
A. Financial Literacy
1. I can identify common financial scams and know how to protect myself against
financial fraud.
2. I am updated with the current exchange rate
3. I understand basic financial terms like savings, interest, and budgeting.
4. I have an idea on how to act thrifty in all aspects
of my finances, such as determining my priority
5. I understand how my money choices affect my future goals.
6. I actively seek out information and resources to improve my financial literacy.
7. I can manage my money easily
8. I understand the basics of budgeting, including how to allocate my allowance
and track expenses effectively.
9. I actively seek out financial education resources (e.g., books, online courses,
workshops) to improve my financial literacy.
10. I understand the importance of managing my personal finances.
B. Financial Behavior
a. Spending Habits
1. I distinguish between 'wants' and 'needs' when making purchasing decisions.
Santiago City, Philippines
www.northeasterncollege.edu.ph
2. I avoid impulsive buying and carefully consider purchases before making them
3. I tend to compare prices and look for discounts before making purchases
4. I tend to spend more money on essential items (e.g., academic materials,
groceries) than on non-essential items (e.g., entertainment, dining out).
5. I tend to impulse buy items that I later regret.
b. Budgeting Practices
1. I feel confident in my ability to effectively manage my finances as a student.
2. I set aside money for unexpected costs, like textbooks or emergencies.
3. I know about different ways to budget, like using apps or lists.
4. I regularly create a detailed budget for my personal finances.
5. I track my expenses carefully to ensure they align with my budget.
c. Saving Behavior
1. I consistently save a portion of my allowance.
2. I regularly assess my spending habits to identify areas where I can save more.
3. I keep my savings separate from my spending
4. I often find myself unable to save due to financial constraints.
5. I know the importance of saving my money.
Santiago City, Philippines
www.northeasterncollege.edu.ph
CURRICULUM VITAE
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Princess Lovely J. Buyagawan
Adress: Fugu, Jones, Isabela
Age: 22
Birthdate: June 15, 2002
Birthplace: Fugu, Jones, Isabela
Gender: Female
Mother's name: Francisca J. Buyagawan
Father's name: Jimmy S. Buyagawan
Religion: Free Gospel Church
EDUCATIONAL BACKGROUND
Elementary: Fugu Elementary School
Fugu, Jones, Isabela
2008-2014
Secondary (Junior): Infant Jesus de Providencia Learning and
Development Center Inc.
Fugu, Jones, Isabela
2014-2018
Secondary (Senior): Infant Jesus de Providencia Learning and
Development Center Inc.
Fugu, Jones, Isabela
2018-2020
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2021-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Danica S. Corpuz
Adress: Sili, Aurora, Isabela
Age: 22
Birthdate: April 15, 2002
Birthplace: Naganacan, Sta. Maria, Isabela
Gender: Female
Mother's name: Visitacion S. Corpuz
Father's name: Teofilo S. Corpuz
Religion: Free Gospel Church
EDUCATIONAL BACKGROUND
Elementary: Naganacan Elementary School
Naganacan, Sta. Maria, Isabela
2009-2015
Secondary (Junior): Doña Aurora National High School
Sta. Rita, Aurora, Isabela
2015-2019
Secondary (Senior): Aurora Senior High School
Ballesteros, Aurora, Isabela
2019-2021
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2021-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Catherine J. Licudo
Adress: Plaridel, Santiago City, Isabela
Age: 21
Birthdate: January 24, 2003
Birthplace: Burgos, Alicia, Isabela
Gender: Female
Mother's name: Rowena J. Licudo
Father's name: Rolly G. Licudo
Religion: Roman Catholic
EDUCATIONAL BACKGROUND
Elementary: Rizaluna, Elementary, School
Rizaluna, Alicia, Isabela
2009-2015
Secondary (Junior): Northeast Luzon Adventist College
Mabini, Alicia, Isabela
2015-2019
Secondary (Senior): Northeast Luzon Adventist College
Mabini, Alicia, Isabela
2019-2021
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2022-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Ivie D. Marayag
Adress: Calaccab, Angadanan, Isabela
Age: 21
Birthdate: March 20, 2003
Birthplace: Calaccab, Angadanan, Isabela
Gender: Female
Mother's name: Marlon T. Marayag
Father's name: Gemma D. Marayag
Religion: Roman Catholic
EDUCATIONAL BACKGROUND
Elementary: Calaccab, Elementary, School
Calaccab, Angadanan, Isabela
2009-2015
Secondary (Junior): School of Saint Joseph The Worker
Cabugao, Echague, Isabela
2015-2019
Secondary (Senior): Ugad High School
Sto. Domingo, Echague, Isabela
2019-2021
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2023-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Cherry Mae G. Pamulagan
Address: Dumanisi, Diffun, Quirino
Age: 21
Birthdate: November 09, 2002
Birthplace: Santa Cruz, Manila
Gender: Female
Mother's name: Juvelyn P. Barbarona
Father's name: Jojo L. Barbarona
Religion: Roman Catholic
EDUCATIONAL BACKGROUND
Elementary: Benabaye Elementary School
Benabaye, Merida, Leyte
2008-2014
Secondary (Junior): Diffun National High School
Aurora East, Diffun, Quirino
2014-2018
Secondary (Senior): Diffun National High School
Aurora East, Diffun, Quirino
2018-2020
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2021-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Jasmine B. Patag
Adress: Purok 2, Cabulay, Santiago
City
Age: 21
Birthdate: December 18, 2002
Birthplace: Santiago City, Isabela
Gender: Female
Mother's name: Brenda B. Patag
Father's name: Leonardo M. Patag
Religion: Iglesia Ni Cristo
EDUCATIONAL BACKGROUND
Elementary: Cabulay Elementary School
Purok 3 Cabulay, Santiago City, Isabela
2009-2015
Secondary (Junior): Cabulay High School
Purok 3 Cabulay, Santiago City, Isabela
2015-2019
Secondary (Senior): Cagayan Valley Computer and Information
Technology College
Centro East Santiago City, Isabela
2019-2021
Tertiary: Northeastern College
Villasis, Santiago City, Isabela 2021-Present
Santiago City, Philippines
www.northeasterncollege.edu.ph
PERSONAL BACKGROUND
Name: Angelika Mae R. Ramos
Adress: Soyung, Echague, Isabela
Age: 21
Birthdate: November 17, 2002
Birthplace: Echague, Isabela
Gender: Female
Mother's name: Justino P. Ramos
Father's name: Lilybeth R. Ramos
Religion: Methodist
EDUCATIONAL BACKGROUND
Elementary: Echague West Central School
Cabugao, Echague, Isabela
2009-2015
Secondary (Junior): School of St. Joseph the Worker
Cabugao, Echague, Isabela
2015-2019
Secondary (Senior): Don Mariano Marcos National High School
Ipil, Echague, Isabela
2019-2021
Tertiary: Northeastern College
Villasis, Santiago City, Isabela
2021-Present
