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The Problem
Introduction
Allowance is a money that are given within time period (weekly, yearly) by
parents or the guardian for educational needs. Many benefits for giving allowance to
the students are teaching them regarding to make a decision (limited money with
unlimited needs), giving freedom and responsibility while using money and they will
learn the value from that money so they will use the money wisely, along with how to
(1977) which proposes that people are driven not by inner forces, but by external
factors. This model suggests that human functioning can be explained by a triadic
in which a man utilize their money to fulfill their needs and needs with no utilization
of control. He elaborated that the spending behavior of students today is fairly not quite
the same as before, he claimed that students are getting more into consumerism
consistently. A great deal is put into the issue whether females spend their money more
compared to males and vice versa (Abawag et. al, 2019). In a study conducted by
Hayhoe et. al (2000 as cited in Villanueva, 2017), results show that there is a strong
influence of sex in spending behavior. Females tend to spend on appearance goods like
clothing while males spend for electronics, entertainment and food. Females were also
found to exhibit more financial practices like keeping a written budget, planning
ability, and skill support in order to use money. Knowledge about how to manage
money like money literacy, an ability to control money like saving or investing, and
skill for allocating money. These are needed to be done to control the resources that are
owned with the decision that is must be done. (J. Banks, “Cognitive Functions,
some studies are not clearly enough to explain what factors that can influence the
allowance. Because of that, this study will try to find, form, and explain factors which
are become as a basis for student that able to do the allowance management. (M.
Norvilitis, et al. (2006) added that, “The more knowledge students have about
their financial responsibility and status that less likely they are to be in debt.” The
manner in which the students encounter is to manage the money depends on their daily
help students be financially responsible. Being essential, it just is right to state that
students shall be able to budget their allowance appropriately. The problem is how to
do it. Doing so isn’t easy since student need to manage their allowance between their
needs and wants. Also some only have a limited amount of money. Proper budgeting is
important. If done responsibly, it can give both the student’ needs and wants. Due to
factors that can affect budgeting, there exist a difference on planning a budget. The
manner in which college students manage their money is based on several factors such
as parent’s economy status, spending behavior, socialization, interest, and age. This is
the main focus of study the personal budgeting practices of student. To asses if the
students possess financial management skill. To know how they manage their finances
(ttps://www.academia.edu)
regularly, especially to pay for a particular thing. It can teach students about finances,
allowance may open the door to students making poor financial decisions when
Conceptual Framework
The concept of this study is to identify the factors that affects the allocation of
College (JHCSC) Main Campus, Mati, San Miguel, Zamboanga del Sur.
As shown in this schematic diagram (figure 1) the box in the left side shows the
different factors that affects the allocation of allowance of students especially the
Personal Needs, Foods, Academic Purposes, and Transportation while the two boxes
on the right side are the boarding and non-boarding students that can be affected by
those factors.
Boarding Students
Factors
a. Personal Needs
b. Academic
Purposes
c. Foods
d. Transportation
Non-Boarding Students
This study aims to identify the factors that Affects the allocation of allowance
of Boarding students and Non Boarding students .In the JHCSC Main Campus, Mati,
a. Sex
a. Personal needs
b. Academic Purposes
c. Foods
d. Transportation
boarding students?
Hypothesis
boarding students.
behavior of boarding and non-boarding students is the focus on this research. The
Subject Matter. This study shall focus on the factors that affects the allocation
Research Environment and Timeline. The research will conduct this study at
the Josefina Herrera Cerilles State College (JHCSC) Main Campus, Mati, San Miguel,
Zamboanga del Sur. This study will be conducted in the first semester of SY-2019-
2020.
Research Participants. The research participants for this study are the Boarding
and Non-Boarding students of the said JHCSC Main Campus, Mati, San Miguel
Research Design. This study adopted Descriptive survey method. This method
will show accurate result in identifying the significant difference between the factors
The findings of this study is all about the factors that affects the allocation of
allowance of Boarding and Non-Boarding students. In the JHCSC Main Campus, Mati
San Miguel, Zamboanga del Sur, will have a great relevance to the following
information upon identifying the factors that affects the allocation of allowance of
boarding students that will lead to be aware and somehow prevent some of the factors.
Non-Boarding Students. The outcome of this study will serve as their piece of
information upon identifying the factors that affects the allocation of allowance of Non-
Boarding students that will lead them to be aware and somehow prevent some of the
factors.
Parents. It will serve as their guide and a piece of information to identify the
Teachers. It will serve as their guide and a piece of information to identify the
Other Researchers. This study will serve as their guide for the future, especially
Definition of Terms
The following terms below will be used in this study, and shall be taken
This chapter is composed of related literature and studies from different sources.
It contains fact and information on the research variables. It provides explanation and
Related Literature
College students are in a unique situation because they have restricted income
ffand high expenses; therefore, they manage money differently (Micomonaco, 2003).
Young adults begin their college careers without ever been having solely responsible
improve financial well-being positively and failure to manage personal finances can
lead to serious long term, negative social and societal consequences. And also, Shim et.
al (2010) added that healthy or positive financial indicators helps young adults to
achieve the financial, economic, and interpersonal goals that are important to them.
Behavior such as awareness of debt owed, checking for the lowest interest rate
before borrowing, saving, budgeting, and keep financial goals have been shown to be
positively related to lower reported level of financial stress and increased in financial
Godfrey (2013) also added, Good money management skills are the process of
budgeting, saving, investing, spending the cash usage. Though it is not something we
are born with, they are acquired over`s lifetime through many successes and failures as
well. “An allowance is not an entitlement or a salary. It is tool for teaching children
According to Birari and Patil, (2014). It was also pointed out that the young
regular savings plan or planning for a long term requirements. Mien and Thao (2015)
also stated that, financial management is considered as one of the key concept of the
financial discipline. Many definitions are given with regarding to this concept.
a means of survival. It can also help students be financially responsible. Being essential,
it just is right to state that students shall be able to budget their allowance appropriately.
essential, it just is right to state that students shall be able to budget their allowance
appropriately.
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. Student think that a way to pay for college is student loans, but there are
other options like school scholarship, financial aid or wok options. Some can take
investing classes where students can learn the process of investing and budgeting. As a
student there are also other things spend on, it can be wants or needs not just school
supplies. Most people recommended parents to have a long-term planning for their teen
(Caldwell, 2017).
As the world turn and decades past, what the generation of yesterday is different
to the generation today. Everything changes because nothing is constant, even the
slightest factors of people’s lives will change. The spending behavior of students today
is rather different from before leaving a question of what could be the spending factors
of students today be. According to Neill Valentine D’Silva (2008) in his article about
college spending habits, Students are getting more and more into consumerism every
day. Students who used to live away from their home, there are too much of brand
awareness and increase the chances of students buying things that they don’t need
Related Studies
studies are not clearly enough to explain what factors that can influence the allowance.
Because of that, this study will try to find, form, and explain factors which are become
as a basis for student that able to do the allowance management. (M. Ameliawati and
Research Methodology
This chapter articulates methodology for research. It includes the research design,
consideration and data analysis. According to Hulger and Polit (2003) methodology is
Research Design
Boarding and Non-Boarding students will utilize a survey method. This method helps
Research Setting
This study will conducted in the JHCSC Main Campus, Mati San Miguel,
Zamboanga del Sur. The researchers choose JHCSC Main Campus because there are
more possible boarding and non-boarding respondents within the campus for this study.
Research Respondents
The research respondents of this study are the Boarding and Non-Boarding
students in JHCSC main campus of Mati, San Miguel. The researcher used a random
sampling in a lottery technique way in choosing the respondents. The researchers
conducted this study with the total participants of 120, who are Boarding and Non-
Research Instrument
Questionnaires have advantages over the instruments of research since they are
affordable and less effort compared to others as the telephone or verbal surveys and
usually have standard answers that make data compilation process easy (Schmittman et
Al. 2013).
collection.
Primary data was used in the study as it is naturally survey and quantitative. This
type of data is perceived to be new as it is directly obtained from the respondents chosen
Ethical consideration
Prior to the conduct of this study, the researchers seek permission from the
Research Adviser and School Head to legally convey the study to the target
respondents. The respondents were then asked for consent and only those who agreed
Data analysis
Mean and standard deviation. This statistical tools was used in the 4 point rating
scale to determine the Factors Affecting the Allocation of Allowance of Boarding and
Non-boarding students.
among the Factors Affecting the Allocation of Allowance of Boarding and Non-
boarding Students in JHCSC Main Campus Mati, San Miguel Zamboanga del sur.
Formula
F=MSb/MSw
Where:
F= F-test or ANOVA