5 LOCAL RRL and 1FS of Asheng

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1.

Susanto and Alimbudiono (2019) research findings show’s that students of


“Excellent” group were interested in and highly mastered the budgeting course,
thereby most of them made a budget and performed a simple variance analysis.
On the contrary, students of the “Adequate” group were less interested in learning
the course so they did not get the benefits of its learning.
REFERENCE:
Susanto, F. D., & Alimbudiono, R. S. (2019). Budgeting Application for Personal
Financial Planning Among Students Majoring in Accounting. Proceedings of the
2ndPadang International Conference on Education, Economics, Business and Accounting
(PICEEBA-2 2018).
https://www.researchgate.net/publication/333399401_Budgeting_Applicaton_For_Person
al_Financial_P lanning_Among_Students_Majoring_In_Accounting.

2. A study conducted by FSA (2014) budgeting is crucial in ensuring that students


can cover their educational expenses while also saving for the future. By creating
a budget, students can prioritize their needs and balance it with their wants. This
approach helps them avoid overspending and accumulating unnecessary debt.
REFERENCE:
Federal Student Aid. (2014). Budgeting. Retrieved from
https://studentaid.gov/resources/prepare-for- college/students/budgeting.

3. The research conducted by Fernandes et al. (2014) demonstrates the positive


impact of Financial Education Programs on the financial behavior of students. In
their research, they found that students who underwent these programs were better
able to plan their budget, make decisions on proper spending, and manage their
financial aspects for the future. Overall, this study confirms that Financial
Education Programs play a crucial role in improving the financial behavior of
students. With proper implementation and support from schools and various
sectors, these programs can bring about positive changes in the future of youth
towards a more secure livelihood in the financial realm.
REFERENCE: Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial
literacy, financial education, and downstream financial behaviors. Management Science,
60(8), 1861-1883

4. According to the study conducted by Matriano (2021) majority of students


claimed to save money well; they often don’t spend it on unimportant things and
limit their spending on key items. The participants also mentioned that they leave
their extra cash in their homes to save up for future costs in order to avoid
spending it carelessly. Furthermore, students claim that they learned how to save
money from their parents because they believe that it is beneficial for them to
understand how to manage their finances.
REFERENCE:
Matriano, E. A. (2021a). QUALITATIVE INQUIRY ON MONEY SAVING AND
BUDGETING PRACTICES AMONG COLLEGE STUDENTS UNDER
SCHOLARSHIP PROGRAM. ResearchGate.
https://www.researchgate.net/publication/350387481_QUALITATIVE_INQUIRY_ON_
MONEY_SAVING_AND_BUDGETING_PRACTICES_AMONG_COLLEGE_STUDE
NTS_UNDER_SCHOLARSHIP_PROGRAM.

5. According to Kevin Lee (2017) of Medium.com in his article about the


Importance of Providing Allowance to Children and Teaching them about Money,
it is crucial to educate children about money at an early age because it provides a
good foundation for them to learn the true value of money and the importance of
budgeting. Additionally, it can also pave the way for them to effectively manage
their finances in the future, which is particularly relevant for students who are
learning to budget their expenses.
REFERENCE:
Lee, K. (2017). The Importance of Providing Allowance to Children and Teaching them
about Money. https://www.coursehero.com/file/75832483/RESEARCH-FILIPINOdocx/
FOREIGN STUDY
1. There is a motion that is working on teaching basic personal finances to high
school students before they graduate. A budget is clearly the key to succeeding
financially. Students think that a way to pay for college is student loans, but there
are other options like scholarships, financial aid or work options. Some can take
investing classes where students can learn the process of investing and budgeting.
As a student there are also other things to spend on, it can be wants or needs not
just school supplies. Most people recommend parents to have a long-term
planning for their teen. (Caldwell, 2017).
REFERENCE:
Caldwell, J. (2017). Teaching Basic Personal Finances to High School Students: A
Motion for Financial Literacy Before Graduation. Journal of Education and Finance,
12(3), 45-56. https://www.coursehero.com/file/28887147/CHAPTER-2docx/

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