Teachers’ Financial Competence on Productivity and Economic Worth

Jill N Obsioma; Roie M Ubayubay

Teachers’ Financial Competence on Productivity and Economic Worth

Author(s)	Ms. Jill N Obsioma, Dr. Roie M Ubayubay
Country	Philippines
Abstract	Financial competence plays a vital role in shaping the personal well-being and professional performance of teachers. Public elementary school teachers often face financial difficulties, such as poor money management and reliance on loans, which can lead to stress, economic strain, and decreased productivity. This study aimed to determine the level of teachers’ financial competence on productivity and economic worth. Specifically, this aimed to find the respondents' level of financial competence; assess the respondents' level of productivity; examine the respondents' level of economic worth and determine the relationship between the financial competence on productivity and economic worth among teachers in the selected public elementary schools of Opol East and West, Alubijid East and West, and Laguindingan Districts during the School Year 2024-2025. A descriptive correlation method was utilized, and a stratified random sample of 200 respondents employed a patterned and modified questionnaire using descriptive statistics such as frequency, percentage, mean, and standard deviation to describe the variables in the study. Pearson's Correlation (r) and t-tests were also employed to determine the relationships and each difference in the variables used in the study. The results showed that the respondents rated their financial competence high, with attitude and behavior being the highest and lowest. Productivity was high, especially in student outcomes, while the teaching-learning process was the lowest. Self-obligation and personal wealth were the highest and lowest, respectively. A significant positive correlation was found between financial competence and productivity, as well as economic worth, with resilience being the strongest factor. The study concludes that financial competence, especially resilience, significantly improves teachers' professional performance, perceived economic value, higher productivity, and financial stability. School officials should improve teachers' financial competence by collaborating with financial advisors, providing financial support, promoting financial literacy programs, and fostering a positive attitude and resilience.
Keywords	financial competence, productivity, economic worth
Field	Sociology > Education
Published In	Volume 16, Issue 4, October-December 2025
Published On	2025-10-12

View / Download PDF File

doi

CrossRef DOI is assigned to each research paper published in our journal.

IJSAT DOI prefix is
10.71097/IJSAT

Downloads

Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 16 Isu 3 Cover Page Vol 16 Isu 2 Cover Page Vol 16 Isu 1

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA

About IJSAT Fees & Payment Current Issue Publication Archive	Submit Research Paper Track Submission Status Publication Guidelines Publication Ethics Peer Review & Plagiarism	Join as a Reviewer Editors & Reviewers Reviewer Referral Program Get Reviewer Membership Certi.	Website/Journal Policies Usage Policy Content Policies Privacy Policy

Contact Us	Message on WhatsApp	+91-9687-182-185	editor@ijsat.org

International Journal on Science and Technology

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Teachers’ Financial Competence on Productivity and Economic Worth

Share this