financial stability

1. FINANCIAL INSTABILITY OF LEARNERS
ENGAGED IN BUSINESS

2. STATEMENT OF PROBLEM
The study aims to determine the “Financial Instability of learners
engaged in Business.”
Specifically, the study will seek answer to the following question:
1.What are the financial instability or problems faced by learners who are
engaged in business?
2.What are the effects of financial problems to the maintaining operation
of the business owned by learners?
3. Is there a significant relationship between the financial problems faced
by learners in their effects to the maintaining operation of business?
4. What intervention measures can be proposed to overcome the financial
instability to the learners engaged in business?

3. CHAPTER II
METHODOLODY
Quantitative Research Design – Descriptive Research Design
The study involved fifty (50) randomly selected and identified Senior
High School students in Aringay National High School during School Year
2021-2022 with the use of quota sampling.
The researcher’s used questionnaire through Google Form to get the
answers of the respondents.
The data gathered were organized, tallied and presented in tables to
ensure accuracy and order, and for systematic analysis of the processed
data.
The researcher will use frequency counts, percentage, weighted means
and ranking

4. SURVEY QUESTIONNAIRE
Name:(optional)_______________________
Grade & Section:_______________________
Part 1. Financial Problems Faced by Learners.
Direction : Below is a table showing the financial instability or problem
faced by learners. Place a check mark (/) on the box along each financial
problem to indicate your level of agreement. Please use the given scale
below.
5- VSA
4- SA
3-A
2-D
1-SD

5. FINANCIAL PROBLEMS 5 4 3 2 1
1. Giving up to your study and focusing in
business.
2. Difficulties in budgeting money.
3. Difficulties in paying transportation.
4.Difficulty in paying tuition or miscellaneous
fee.
5. Lack of savings.
6. Difficulties in spending money for yourself
7. Lack of money to buy loads
8. High debt levels
9. Suffer from low income
10. Struggle to make ends meet and afford their
education

6. PART II. Effects of financial Problem
Direction: Below is a table showing the financial instability or problem
faced by learners. Place a check mark (/) on the box along each effect
to indicate your level of agreement. Please use the given scale below.
5- VSA
4- SA
3-A
2-D
1-SD

7. Effects of financial Problem 5 4 3 2 1
1. Poor concentration in study
2. Suicidal Thoughts
3. Experiencing mental issues such as depression
and anxiety
4. Physical health like experiencing insomnia
5. Not having enough time for yourself
6. Difficulties in spending time to bond with your
family and friends
7. Feeling beaten down by money worries can
advicedly impact your energy levels
8. Unhealthy coping methods like being too
aggressive
9. Being too sensitive at the point that you’re
yelling everyone
10. Experiencing stress

8. CHAPTER III
RESULT AND DISCUSSIONS
Table 1. Financial Instability or Problems Faced by Learners who are Engaged i
Business.
n=50
Problems Weighted Mean Descriptive Values Rank
Lack of saving 3.28 Agree 1
Difficulties in spending money
for yourself
3.22 Agree 2
Struggle to make ends meet and
afford their education
3.2 Agree 3
Lack of money to buy loads 3.06 Agree 4.4
Difficulty in paying tuition or
miscellaneous fee
3.06 Agree 4.4
Suffer from low income 3 Agree 6
Difficulties in budgeting money 2.98 Agree 7
High debt levels 2.9 Agree 8
Difficulties in paying transportation 2.86 Agree 9
Giving up to your study and focusing 2.32 Disagree 10

9. Table 2. Effects of Financial Problems to the Maintaining Operation of the Business Owned by Learners.
n=50
Effects Weighted Mean Descriptive Value Rank
Experiencing stress 3.44 Strongly Agree 1
Poor concentration in study 3.28 Agree 2
Experiencing mental issues such
as depression and anxiety
3.1 Agree 3
Feeling beaten down by money worries
can advisedly impact your energy
levels
3.02 Agree 4
Difficulties in spending time to bond
with your family and friends
3 Agree 5
Being too sensitive to the point you’re
yelling everyone
2.9 Agree 6.6
Not having enough time for yourself 2.9 Agree 6.6
Unhealthy coping methods like being
too aggressive
2.68 Agree 8
Physical health like experiencing
insomnia
2.56 Agree 9

10. Table 3. Significant Relationship of Financial Problems Faced by Learners and Effects of Financial Problems into
Learners.
Variable Interpretation of r Tc Conclusion Decision
Financial Problems
Faced by Learners and
The Effects of
Financial Problems
into Learners
Very high correlation 34.12 Significant Rejected the Ho
r = 0.98 t = 2.014 df = 45(0.05)

11. CHAPTER IV
Major Findings
The following were the salient findings of the study.
1.Lack of savings is the main problem faced by learners who are engaged
in business.
2. There is a high level of stress caused by financial problems in the
functioning of learners' businesses.
3.There is a significant relationship between the financial problems faced
by learners and effects of financial problems into learners.

12. Conclusion
Based on the findings, the following conclusions were derived:
1.Capital is the main source of finances and it plays a crucial role when
learners engaged in business.
2.Learners had a hard time to manage their time between schooling and
engaging a business.
3.The financial problems faced by learners affects the effect of financial
problems into learners.

13. Recommendations
Based on the conclusions derived the following recommendations are offered:
1. Learners should have enough savings to use as their capital when they plan to engage
in business.
2. Guidance from parents is need for the children in doing business.
3. Enhance of knowledge towards the effects of financial problem to the academic
performance should be provided to the students.
4. The business owners should always have their contingency plans whenever the
problem arises.
5. Learners who want to engage in business should attend to financial literacy program.
6. Replication of the study is recommended.