Higher Literacy Levels Research Articles

A survey of mental health literacy in parents and guardians of teenagers.

Parents and guardians (hereafter caregivers) of teenagers need high levels of mental health literacy (MHL) to manage mental health problems arising in teenagers in their care. Previous studies assessing MHL levels in caregivers of teenagers have reported mixed results, making it difficult to clearly estimate caregiver MHL levels. This study aimed to investigate MHL levels in Japanese caregivers of regular teenagers. Responses from caregivers (n = 1,397) of students entering junior and senior high schools to a self-administered online questionnaire were analyzed. The questionnaire assessed (a) knowledge about mental health/illnesses and (b) attitudes towards mental health problems in teens in their care (e.g., recognition of depression as a medical illness and intention to engage in helping behaviors). The average proportion of correct answers to the knowledge questions (n = 7) was 55.4%; about one tenth (9.2%) of caregivers correctly answered only one or none of the questions. Few caregivers correctly answered about the life-time prevalence of any mental illnesses (46.1%) and appropriate sleep duration for teenagers' health (16.5%). The proportions of caregivers who had the intention to listen to the teen in their care, consult another person, and seek professional medical help if the teen suffered from depression were 99.5%, 91.5% and 72.7%, respectively. Many teenagers' caregivers appeared to be willing to help the teens in their care if they were suffering from mental health problems. However, there was much room for improvement in knowledge on mental health/illnesses and intention to seek help from medical professionals. Efforts toward better education should be made.

What predicts health facility delivery among women? analysis from the 2021 Madagascar Demographic and Health Survey

BackgroundOne of the pivotal determinants of maternal and neonatal health outcomes hinges on the choice of place of delivery. However, the decision to give birth within the confines of a health facility is shaped by a complex interplay of sociodemographic, economic, cultural, and healthcare system-related factors. This study examined the predictors of health facility delivery among women in Madagascar.MethodsWe used data from the 2021 Madagascar Demographic and Health Survey. A total of 9,315 women who had a health facility delivery or delivered elsewhere for the most recent live birth preceding the survey were considered in this analysis. Descriptive analysis, and multilevel regression were carried out to determine the prevalence and factors associated with health facility delivery. The results were presented as frequencies, percentages, crude odds ratios and adjusted odds ratios (aORs) with corresponding 95% confidence intervals (CIs), and a p-value < 0.05 was used to declare statistical significance.ResultsThe prevalence of health facility delivery was 41.2% [95% CI: 38.9–43.5%]. In the multilevel analysis, women aged 45–49 [aOR = 2.14, 95% CI = 1.34–3.43], those with secondary/higher education [aOR = 1.62, 95% CI = 1.30–2.01], widowed [aOR = 2.25, 95% CI = 1.43–3.58], and those exposed to mass media [aOR = 1.18, 95% CI = 1.00-1.39] had higher odds of delivering in health facilities compared to those aged 15-49, those with no formal education, women who had never been in union and not exposed to mass media respectively. Women with at least an antenatal care visit [aOR = 6.95, 95% CI = 4.95–9.77], those in the richest wealth index [aOR = 2.74, 95% CI = 1.99–3.77], and women who considered distance to health facility as not a big problem [aOR = 1.28, 95% CI = 1.09–1.50] were more likely to deliver in health facilities compared to those who had no antenatal care visit. Women who lived in communities with high literacy levels [aOR = 1.54, 95% CI = 1.15–2.08], and women who lived in communities with high socioeconomic status [aOR = 1.72, 95% CI = 1.28–2.31] had increased odds of health facility delivery compared to those with low literacy levels and in communities with low socioeconomic status respectively.ConclusionThe prevalence of health facility delivery among women in Madagascar is low in this study. The findings of this study call on stakeholders and the government to strengthen the healthcare system of Madagascar using the framework for universal health coverage. There is also the need to implement programmes and interventions geared towards increasing health facility delivery among adolescent girls and young women, women with no formal education, and those not exposed to media. Also, consideration should be made to provide free maternal health care and a health insurance scheme that can be accessed by women in the poorest wealth index. Health facilities should be provided at places where women have challenges with distance to other health facilities. Education on the importance of antenatal care visits should also be encouraged, especially among women with low literacy levels and in communities with low socioeconomic status.

E-health literacy level of university teachers attending first level health centers in South Lima

E-health literacy is very important nowadays, since it allows the population to have access to care, but many people do not know about it or do not know how to use it, which is why the objective of the research is to determine the level of e-health literacy of university teachers who attend health centers at the first level of care in southern Lima. This is a quantitative, descriptive, cross-sectional and non-experimental study, with a population of 400 university teachers, who answered a questionnaire on socio-demographic aspects and the e-health scale. In the results, 18.3% (n=73) of the university teachers have a high level of e-health literacy, 31.5% (n=126) medium level, 21.5% (n=86) basic level and 28.8% (n=115) elementary level. In conclusion, it is necessary to provide programs on e-health education, as this implementation would make it more feasible for health workers to carry out safe online practices also for the population.

Gender and Social Determinants of Health: A Mixed Method Study in Khyber Pakhtunkhwa, Pakistan

Gender is recognized as a fundamental social determinant within the overarching framework of the World Health Organization's Social Determinants of Health (SDH). It is conceptualized as a central factor influencing population health and contributing to health inequalities. Objective: To investigate disparities based on gender in the social determinants of health and assess gender inequities in Khyber Pakhtunkhwa, Pakistan. Methods: A mixed-methods approach, comprising both a survey and an exploratory qualitative study, was employed at Mardan Medical Complex Hospital in Mardan. A total of 10 interviews were conducted with healthcare workers (HCWs), and the study included 210 patients. Results: Out of the 210 patients, the majority were female (107/210, 51%), while 103/210 (49%) were male. 80 out of 103 (77%) females were house wives. More female (30 out of 103) is illiterate than male (21 out of 107) in the study participants, men (25 out of 107) are more educated in the secondary and higher education than women (16 out of 103). Women have high literacy level in religious education (12 out of 103). Women (25 out of 103) are more prone to partner’s verbally or physical aggression than men (15 out of 107). Among female patients, predominant challenges encompass domestic concerns, experiences of violence and abuse, a deficit of trust, and socio-cultural barriers. In contrast, a prevalent social determinant of health for males was identified as financial responsibility, contributing to a notable incidence of mental health illnesses. Conclusions: In conclusion, the study sheds light on significant gender-based disparities in social determinants of health (SDH) and their profound impact on the well-being of individuals.

Effectiveness of digital rhetoric persuasion on GenZ consumer purchasing decisions

Purpose The study aims to analyze the effectiveness of digital rhetoric persuasion on GenZ purchase decision. Digital rhetoric (DR) is an art of persuasion used in social media communication to shape and influence the course of an individual. It has been used in social media advertisements (SMAs) to increase its perceived effectiveness. GenZ consumers are more vibrant than previous generations’ consumers because of high levels of literacy and capacity to adapt to new technology. Therefore, understanding the effects of rhetorical support decisions to act on and mold consumers’ reasoning and judgment is particularly significant in relation to GenZ purchasing decisions and the rhetorical persuasive methods. Concurrently, the moderating effect of generation cohort theory also needs to be examined. Design/methodology/approach The threshold model for consumers’ purchase decisions in the form of logistic regression has been applied to examine the impact of DR through SMAs on the purchase intention (PI) of GenZ consumers. Simultaneously, the moderating effect of generation cohort theory is being examined by comparative analysis of different generations’ PI moderation by DR effect. Findings The results of the current study reveal that DR via SMAs has a positive and significant influence on GenZ consumers’ PI, whereas other older generation consumers do not get similarly affected by the same. Originality/value In an emerging economy like India, where 30% of the population belongs to the GenZ category and the digital advertising industry is growing by double digits, the present study takes a novel approach to examine the impact of DR via SMAs on GenZ consumers’ PI. Concurrently, it also provides an understanding of the moderation effect of generation cohort theory on perceived effectiveness of DR.

Patterns of information literacy and their predictors among emergency department nurses: a latent profile analysis based on the person-context interaction theory

BackgroundWith the development of information technology, information has been an important resource in clinical medicine, particularly within the emergency department. Given its role in patient rescue, the emergency department demands a high level of information literacy from nurses to effectively collect, analyze, and apply information due to the urgency and complexity of emergency nursing work. Although prior studies have investigated the information literacy of nursing staff, little has been undertaken in examining the patterns of information literacy and their predictors among emergency department nurses.AimTo clarify the subtypes of information literacy among nurses in the emergency department and explore the factors affecting profile membership.MethodsA cross-sectional study was conducted among a convenience sample of 2490 nurses in the emergency department from April to June 2023. The clinical nurses completed the online self-report questionnaires including the general demographic questionnaire, information literacy scale, self-efficacy scale and social support scale. Data analyses involved the latent profile analysis, variance analysis, Chi-square tests and multivariate logistic regression.ResultsFour latent profiles were identified: ‘Low information literacy (Class 1)’, ‘Moderate information knowledge (Class 2)’, ‘High information knowledge and support (Class 3)’ and ‘High information literacy (Class 4)’, accounting for 20.14%, 42.11%, 23.36% and 14.39%, respectively. Each profile displayed unique characteristics representative of different information literacy patterns. Age, years of work, place of residence, hospital grade, title, professional knowledge, using databases, reading medical literature, participating in information literacy training, self-efficacy, and social support significantly predicted information literacy profile membership.ConclusionsInformation literacy exhibits different classification features among emergency department nurses, and over half of the nurses surveyed were at the lower or middle level. Identifying sociodemographic and internal-external predictors of profile membership can aid in developing targeted interventions tailored to the needs of emergency department nurses. Nursing managers should actively pay attention to nurses with low information literacy and provide support to improve their information literacy level.Relevance to clinical practiceInsights from the current study of the latent profile analysis are beneficial to hospital managers in understanding the different types of emergency department nurses’ information literacy. These insights serve as a reference for managers to enhance nurses’ information literacy levels.

Digital and Information Literacy in Basic-Education Teachers: A Systematic Literature Review

Digital transformation has become constant and has forced governments to reevaluate the validity of their educational models; therefore, regarding digital and information literacy, to train teachers to improve new digital skills becomes essential. For these reasons, this research will explore the instruction of teachers in digital and information literacy in basic education; likewise, there will be an observation of the research’s theoretical-methodological characteristics related to these variables, and, also, we will carry out an analysis of the most pertinent contributions on the impact of new literacies and competencies in the teaching–learning processes in basic education, with the purpose of obtaining a current state overview of its teacher training within the framework of the technologies’ usage linked to teaching. This review was based on the guidelines of the PRISMA protocol, and to select 56 documents, the Scopus and Web of Science (WoS) databases were used. The results show that, in the Scopus database, Spain is the country with the most research on the subject, with 29% of the total, followed by Indonesia, with 6%, and the United States, with 4%, and that the articles focus mainly on the social sciences and computer science. Likewise, in WoS, the country with the most research on the subject is Spain, with 30%, followed by Russia, with 10%, and Norway, with 8%, and the articles mainly revolve around the categories of education and communication. The research related to this topic uses a quantitative approach in 68%, a qualitative approach in 25% and a mixed approach in 7%. It was shown that there is a direct relationship between digital and information literacy and digital competency. In addition, it is also emphasized that digital and information literacy are continuous and long-term processes. More didactic proposals on digital skills would be necessary, over government policies and efforts, to achieve a community with a high level of digital and information literacy.

PENGARUH PEMBIAYAAN SYARIAH, PEMASARAN, DAN LITERASI KEUANGAN TERHADAP OMZET USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA SAAT PANDEMI COVID-19

This study examines the impact of Sharia Financing, Marketing, and Financial Literacy on the revenue of Micro, Small, and Medium Enterprises (MSMEs) in Kota Malang. The findings indicate that these three variables have a positive simultaneous influence on MSME revenue. Sharia Financing were identified as the variable with the most significant effect, suggesting that improved access to capital can enhance MSME income. Furthermore, marketing expenses contribute to revenue growth by attracting attention and building consumer loyalty. Lastly, a high level of financial literacy plays a role in effective financial management and mature business planning. This research provides insights that sharia financing, marketing, and financial literacy are key factors that can support the growth and competitiveness of MSMEs in Malang City.

Analysis of prospective legislation in the field of organization of service training of employees of the security sector to ensure tactical literacy

The scientific article is devoted to a comprehensive analysis of prospective legislation in the field of organization of service training of employees of the security sector in order to ensure their tactical literacy. The growing threat of internal and external security challenges calls into question the effectiveness and relevance of existing legislation in this area. The author analyzes the existing legal norms and provisions that regulate the training of security sector forces in the context of tactical literacy, in particular, the structure of training, requirements for instructors and training programs.&#x0D; The article also examines the challenges facing current legislation, such as changes in the technological environment, global terrorist threats and the complexity of the tasks facing security sector forces. The authors try to identify shortcomings and gaps in the legislative framework, which can become an obstacle to achieving a high level of tactical literacy of employees.&#x0D; In this context, the author emphasizes the need to review and modernize the legislative acts that regulate the activities of the security forces. They emphasize the importance of adapting legal norms to the rapidly changing technological environment, which creates new opportunities and threats. In addition, the article discusses the need to improve the mechanisms of cooperation and exchange of information between various bodies and countries to combat global terrorist threats.&#x0D; The author also analyzes the complex tasks facing the forces of the security sector and which can be solved by implementing modern training methods and improving the professional training of employees. They put forward proposals for the development of educational programs that would include relevant knowledge and skills necessary for successfully solving tasks in the field of security.&#x0D; A comparative analysis with the legislation of other countries is carried out and best practices are studied regarding the organization of official training of security sector forces. The author considers possible ways to improve the legislation in this area in order to increase the efficiency and effectiveness of the tactical literacy of employees.

The Influence of Procurement Literacy and Budget Supervision on Regional Public Health Service Agency Budget Absorption of Tugurejo Hospital

Financial planning, management, and control will improve with a greater understanding of procurement literacy and budget monitoring. The regulations about the procurement of government goods and services are currently governed by Presidential Regulation Number 54 of 2010, with the most recent amendment being Presidential Regulation Number 16 of 2018, commonly known as the Presidential Decree on Government Procurement of Goods and Services. These regulations were formulated by the Procurement Policy Institute for Government Goods and Services, also known as LKPP. The urgent/immediate need for goods/services results in the procurement process for goods/services sometimes not complying with the provisions for procurement of goods/services. Therefore, a budget monitoring role is needed, so that budget absorption can be absorbed optimally. This research aims to determine the influence of procurement literacy and budget supervision on the absorption of the BLUD Tugurejo Hospital. This type of research uses quantitative descriptive, using regression testing via the SPSS application. The research results show that procurement literacy and budget supervision have a significant effect on the absorption of the BLUD Tugurejo Hospital. The positive impact that arises is the improvement of existing infrastructure in the village so that national development can continue to move in a better direction. In practice, the BLUD of Tugurejo Regional Hospital requires budget supervision by competent human resources so that the planned budget absorption can be realized perfectly. Competent HR means HR with a high level of financial literacy and procurement literacy

Digital financial services adoption: a retrospective time-to-event analysis approach

Expanding digital financial services (DFS) such as mobile money has become a key policy intervention for many developing and emerging countries as they seek to fast-track financial and economic inclusion. To date, adults in these markets have had more mobile money accounts than traditional bank accounts. Numerous studies have used binary approaches to understand the factors explaining DFS adoption. However, there is a dearth of studies, that investigate the time to DFS adoption and factors that predict time to adoption. To close this gap, this study used a time-to-event analysis approach to estimate the time to DFS adoption and investigate the factors that explain the variation in time to adoption. Using a sample of 1800 survey respondents from Zimbabwe, the study found that it took 4.4 and 8.5 years, respectively, for urban and rural residents to adopt DFS. Overall, the findings show that individuals who are significantly more likely to adopt DFS faster are those residing in urban areas, near mobile money agents, banked, with high levels of education and financial literacy, middle-aged, belonging to social groups, and self-employed. In addition, an expansionary macroeconomic environment was associated with greater DFS adoption intensities. The findings also show that gender and income level do not predict the time to DFS adoption in the studied market. This study provides policy and practitioner recommendations for possible actions to accelerate the adoption of DFS.

The Effect of Financial Literacy and Locus of Control towards Financial Management behavior among Gen Z as Online Lenders

It has been observed that online loans are widely used in Indonesia among people of productive age, but there are concerns about their knowledge and self-control, which can affect their financial management behavior. To address this, a study was conducted to examine the impact of financial literacy and locus of control on the financial management behavior of Generation Z individuals (aged 18 to 28 years) who use or have used the ShopeePinjam and/or ShopeePayLater platforms. The data was gathered from 202 respondents through online social media platforms. The findings of the study show that financial literacy and locus of control have a significant impact on financial management behavior, both partially and simultaneously. Although the respondents had a high level of financial literacy and locus of control, they lacked an understanding of risk and return, the concept of time value of money, and confidence in their abilities to enhance their well-being. While the overall value of the dependent variable was high, a few instruments had a relatively low percentage.

The Impact of Digital Technology Use on Farmers’ Land Transfer-In: Empirical Evidence from Jiangsu, China

In China, characterized by its vast population and limited land, expanding the scale of agricultural operations through the transfer of land management rights is a crucial pathway to achieving agricultural modernization. Using data from the China Land Economic Survey (CLES), we empirically explored the influence of digital technology use on land transfer-in by farmers. Employing the Probit model and the KHB method, this study examined the mechanisms underlying this relationship and addressed the issue of endogeneity through the Conditional Mixed Process (CMP) model, grounded in the instrumental variable method. Key findings include: (1) both the accessibility and the depth of digital technology use significantly facilitated land transfer-in by farmers. For every one-unit increase in digital technology accessibility, the likelihood of land transfer-in escalated by 6.2%; similarly, a one-unit rise in the depth of digital technology use increased this probability by 2.6%. (2) An analysis of the mechanisms indicates that social networks and credit availability played partial mediating roles in the impact of digital technology accessibility and depth on land transfer-in, with social networks exhibiting a stronger mediation effect. (3) Heterogeneity analysis suggests that the impact of digital technology use on land transfer-in was more pronounced in peri-urban villages and among farmers with higher literacy levels. In light of these findings, we proposed policy recommendations to accelerate the development of rural digital infrastructure, enhance digital skill training for farm households, and vigorously promote rural digital inclusive finance.

The Mediating Role of Science Motivation in the Relationship between Computer Literacy and Academic Performance of Grade 6 Learners

In the current digital era, education research is increasingly focusing on the correlation between computer literacy, science motivation, and academic achievement. Thus, this quantitative research aimed to determine the mediating role of science motivation on the relationship between computer literacy and the academic performance of Grade 6 learners during the academic year 2023-2024. Modified and adapted survey questionnaires from the Department of Education Computerization Program (DCP), Cagayan State University – Andrews Campus, and Glynn (2011), using a 5-point Likert scale, were employed for data collection. Analysis involved mean, two-way ANOVA, and path analysis. Results showed that the Grade 6 learners exhibited a high level of computer literacy in terms of computer integration (mean=3.78). The academic performance of Grade 6 learners indicated a very high level in terms of student-related factors (mean=4.3). Concurrently, Grade six learners are often more extrinsically motivated (mean=4.09). Significant indirect relationship was shown between computer literacy and academic performance through science motivation. Significant direct relationship was also shown between computer literacy and academic performance. The total effect estimates of 0.531 (SE = 0.0804, Z = 6.61, p &lt; 0.001) suggests that there is a significant overall relationship between computer literacy and academic performance, regardless of the mediating effect of science motivation. Recommendations can be made for future researches as to longitudinal study, qualitiative researches, and intervention studies.

Disentangling the “crypto fever”: An exploratory study of the psychological characteristics of cryptocurrency owners

Cryptocurrencies are innovative digital assets that became significantly popular in recent years. Despite their popularity, literature about cryptocurrencies is still lacking. Specifically, little is known about the psychological profile of cryptocurrency owners. The present paper aims to investigate the role of financial literacy, self-efficacy, risk tolerance, and impulsivity in cryptocurrency ownership in a representative sample of 1,153 Italian consumers. In particular, a Latent Profile Analysis was performed on cross-sectional data to identify different psychological profiles of consumers, and test which of these profiles is more likely to hold cryptocurrencies. Results indicate the presence of six different psychological profiles and that the psychological profile that best describes those who hold cryptocurrencies is characterized by high levels of financial literacy, risk tolerance, and self-efficacy in investment domains. Instead, a configuration of low financial literacy and high self-efficacy, risk appetite, and impulsivity scores is mostly associated with having owned cryptocurrencies in the past. These findings would suggest that psychological characteristics play a key role in cryptocurrency ownership.

Interplay of Information Literacy, Library Engagement and Academic Performance Among State University Students

“Interplay of information literacy, library engagement and academic performance among state university students” unpublished master’s thesis, Liceo de Cagayan University, Cagayan de Oro City, December 2023. This descriptive-correlational study assessed the information literacy skills and library engagement of all the students enrolled in the first semester of academic year 2022-2023 in a satellite campus of a state university in Alubijid, Misamis Oriental. The study further determined if the students’ information literacy and library engagement are significantly associated with their academic performance measured in terms of their grade point average for the semester. To answer the research questions, the study used survey questionnaires, which were content validated and tested for reliability. The generated data were statistically processed to facilitate data analysis and interpretation. Findings revealed that the students generally had very high level of information literacy, had high level of library engagement, and had good academic performance. The test of relationships revealed that there was no significant relationship between the students’ information literacy and academic performance. However, singly, information evaluation as a dimension of information literacy was significantly correlated with academic performance; although, the degree of the relationship was weak. Furthermore, there was no significant relationship between the students’ library engagement across all dimensions and their academic performance. Therefore, the students’ academic performance cannot be attributed to their level of information literacy and library engagement. However, the importance of information literacy and library engagement in promoting academic success among students cannot be dismissed considering the bulk of literature and studies that found those factors as predictors of students’ academic performance and considering the limitation of this study.

Effectiveness of Program for Older People’s Health Literacy on Drug and Health Products: Northeast of Thailand

Abstract Introduction: A health literacy promotion program in drugs and health products was collaboratively developed and evaluated for effectiveness by researchers and stakeholders. Methods: A Solomon four-group randomized study was conducted in 2022. The participants were people aged ≥60 years enrolled at senior schools in Northeast Thailand. One hundred and eighty older people were randomly selected using multistage sampling and allocated into four groups, 45 members. The designed program covers six skills: access to health information, cognition, communication, decision-making, media literacy, and self-management. ANOVA and t-test were used. Results: One hundred percent response rate, participants of the program (Group 1) showed a significant improvement (pre–post) of 62.2% in their health literacy in drugs and health products use (151.54 ± 37.88, 245.73 ± 9.33, P &lt; 0.001). Group 3, older people who joined the program with posttest only showed health literacy of 248.67 ± 11.54. In contrast, Group 2 and Group 4 with no program showed less health literacy of 149.02 ± 32.08 and 145.22 ± 34.14, respectively. On each item, the older people with the program consistently scored significantly higher across all domains (P &lt; 0.001). The average score was 247.20 ± 10.54, which showed a high level of health literacy (≥75%). Among areas, decision-making skills revealed the highest score of 45.97 ± 1.81 out of 50. The overall satisfaction score on the program was 47.60 ± 1.50. Conclusion: The program demonstrated its effectiveness in improving the older population’s health literacy regarding drug and health product use. It holds potential as a strategy to encourage older people to rational drug use. Participants expressed a significant satisfaction with the program, recommended for the broader Thai older people community.

A Perspective on the Current Situation of Children’s Education and Teachers’ Moral Cultivation Combined with Decision Tree Algorithm

Abstract The enhancement of children’s education quality necessitates a high level of teacher moral literacy. This paper employs data mining techniques to elaborate on the Classification and Regression Tree (CART) model within logistic regression and decision tree algorithms. Data pertinent to elementary school education were collected via questionnaires, followed by data cleaning and segmentation. The parameters of the CART model were optimized using a Bayesian algorithm, and its efficacy was validated through a dataset to support the exploration of factors influencing the developmental level of children’s education. Additionally, data regarding teachers’ moral literacy were gathered and analyzed using binary logistic regression within the logistic regression framework. The analysis revealed that the accuracy of the CART decision tree model reached 90%, with the error converging to zero at 50 trees. Key determinants such as willpower and communication abilities in children’s education were influenced by exercise duration, time spent in interest classes, gender, and parents’ educational levels. The mean score for teachers’ moral literacy was 4.349±0.465. Notably, teachers with low salary satisfaction exhibited a moral literacy level that was only 0.517 times that of their counterparts with high salary satisfaction. Establishing a scientifically sound and reasonable salary management system is crucial. Such a system can ignite teachers’ enthusiasm for teaching, substantially enhancing their moral literacy, which in turn positively impacts the level of children’s educational development.

Financial Literacy and Self-Control as the Predicting Variables to the Financial Behavior of Senior High School Students

This study dealt with the financial literacy and self-control, as predictors to financial behavior among Senior High School students. The primary goal of the study was to determine the level of financial literacy, self-control, and financial behavior in terms of their respective indicators, what domains of financial literacy and self-control substantially influence financial behavior. Also, this study utilized a quantitative-correlational design with 221 respondents among Senior High School students. The average weighted mean, Pearson R, and multiple regression analysis were the statistical tools used in this study. Along with this, results showed a high level of financial literacy among Senior High School students in terms of saving, budgeting, and investing. On the other hand, the results also showed a high level of self-control among Senior High School students in terms of inhibition, initiation, and continuation. Likewise, results showed a high level of financial behavior among Senior High School students regarding saving behavior, spending habits, and financial goal setting. In addition, there is a low correlation, and a significant relationship between financial literacy and financial behavior. Furthermore, there is a high correlation, and a significant relationship between self-control and financial behavior. Hence, this leads to the rejection of the null hypothesis. Saving, budgeting, and investing as domains of financial literacy have a significant influence to financial behavior. Additional, inhibition, initiation, and continuation as domains of self-control have a significant influence to financial behavior. These results helps the student know that their financial behavior or anything financial-related could be incorporated in their academic and non-academic journey.

Family Involvement and Saving and Spending Behaviours as Predictors to Financial Literacy of Senior High School Students: A Quantitative Investigation

This study dealt with family involvement and saving and spending behaviours as predictors to financial literacy among Senior High School students. The primary goal of the study was used to determine the level of family involvement, saving and spending behaviours, and financial literacy in terms of their respective indicators. Also, this study utilized a quantitative-correlational design with 221 respondents among Senior High School students. The average weighted mean, Pearson’s r, and multiple regression analysis were the statistical tools used in this study. Furthermore, multiple regression analysis was used to determine what domains of family involvement and saving and spending behaviours substantially influence financial literacy. Along with this, results showed a high level of family involvement among Senior High School students in terms of family support, family conflict, and family togetherness. On the other hand, the results also showed a high level of saving and spending behaviours among Senior High School students regarding saving, indifference to money, and spending. Likewise, results showed a high level of financial literacy among Senior High School students regarding saving behaviour, shopping behaviour, long-term planning, and short-term planning. In addition, there was a low correlation and a significant relationship between family involvement and financial literacy. Furthermore, there was a low correlation and a significant relationship between saving and spending behaviours and financial literacy. Hence, this led to the rejection of the null hypothesis. Family support and family conflict as domains of family involvement have a significant influence to financial literacy hence this led to the rejection of the null hypothesis. On the other hand, family togetherness as a domain of family involvement does not influence financial literacy. Additionally, saving and spending as domains of saving and spending behaviours have a significant influence to financial literacy hence, this led to the rejection of the null hypothesis. In contrast, indifference to money as a domain of spending and behaviours had no significant influence to financial literacy. In conclusion, this study would motivate educators and parents to configure the aspect of family involvement and spending and behaviours to improve the financial literacy among students.