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