1. Author: Ms. Erica B.

Lirio
Title: Filipino Millenials’ Attitudes towards Credit Card Use and Debt and its Impact on their
Financial Behavior
Statement of the Problem:
i. What is the profile of the respondents in terms of:
a. Type of employment industry;
b. Frequency of usage;
c. Monthly credit card expense;
d. Payment Practices; and
e. Type of commodities paid through credit card?
ii. To what extent are the attitudes toward credit card use manifested by the respondents in terms
of :
a. Knowing;
b. Feeling; and
c. Doing?
iii. To what extent are the attitudes toward debt manifested by the respondents in terms of:
a. Knowing;
b. Feeling; and
c. Doing?
iv. Is there a significant difference in the attitudes of the respondents when grouped according to
their profile?
v. Is there a significant relationship between the attitudes of the respondents towards credit card
use and debt?
vi. To what extent is the financial behavior of the respondents manifested in terms of:
a. Account ownership;
b. Cash flow management;
c. Financial spending plan; and
d. Savings and investment plan?
vii. Do the following variables singly or in combination significantly impact millennial’s
financial behavior?
a. Profile of the respondents;
b. Attitudes toward credit card use; and
c. Attitudes toward debt?
Corresponding Statistical Treatment:
 i. On the profile of the respondents, frequency percentage was used.
ii. On the extent of the attitudes towards credit card use, mean and composite mean were used.
iii. On the extent of the attitudes towards debt, mean and composite mean were used.
iv. On the test of significant difference in the attitudes of the respondents when grouped
according to their profile. ANOVA were used.
v. On the significant relationship between the attitudes of the respondents towards credit card
use and debt. Pearson-R was used.
vi. On the extent of financial behavior of the respondents in terms of: account ownership, cash
flow management, financial spending plan and savings and investment plan, mean and
composite mean were used.
vii. On the impact of the millenials’ financial behavior against the following variables: profile of
the respondents, attitudes towards credit card use and attitudes towards debt, multiple linear
regression was used.

2. Author: Jhon Loui V. Gomez

Title: Impact of Marketing Strategies on the Disposal of Acquired Properties: The case of Pag-IBIG
Fund Calamba Housing Hub
Statement of the Problem:
i. To what extent are marketing strategies utilized in Pag-IBIG Fund Calamba Housing Hub in
terms of;
a. Product and service introduction (promotion strategy);
b. First impression qualities (product strategy); and
c. Price worthiness (pricing strategy)?
ii. Is there a significant difference between the assessment of the employees and clients in the
extent of marketing strategies utilization?
iii. What is the level of efficiency of acquired properties in terms of:
a. Disposal strategies;
b. Buying decisions; and
c. Performance measures?
iv. Does the extent of utilization of marketing strategies singly or in combination significantly
impact the level of acquired properties disposal efficiency?
v. Based on the results of the study, what inputs to marketing strategies maybe proposed to
boost acquired properties disposal efficiency?
Corresponding Statistical Treatment
i. The mean and the four-point Likert Scale was used to described the extent of marketing
strategies utilized in Pag-IBIG Fund Calamba Housing Hub in terms of Product and Service
Introduction (Promotion Strategy), First Impressions Qualities (Product Strategy), and Price
Worthiness (Pricing Strategy).

Range Verbal Interpretation Scale

3.50 – 4.00 Highly Utilized 4
2.50 – 3.49 Utilized 3
1.50 – 2.49 Moderately Utilized 2
1.00 – 1.49 Not Utilized 1
The interpretation cited above was used to interpret assessment done by the respondents on
the extent of marketing strategies utilization of the Hub.
ii. The ANOVA was used to identify if there is significant difference on the assessment of the
employees and clients in the extent of marketing strategies utilization. Thus, the hypothesis
was formed Ho and the significant level of a = 0.05 was selected.

Range Verbal Interpretation Scale

3.50 – 4.00 Highly Utilized 4
2.50 – 3.49 Utilized 3
1.50 – 2.49 Moderately Utilized 2
1.00 – 1.49 Not Utilized 1
The interpretation cited above was used to interpret the assessment done by the respondents
on the level of efficiency of the Hub’s acquired properties disposal.
iii. To identify the level of efficiency of acquired asset disposal in terms of Disposal Strategies,
Buying Decisions, and Performance Measures, the researchers used the mean and the four-
point Likert Scale.
iv. To establish the relationship between the extent of utilization of marketing strategies and the
impact to the level of acquired properties disposal efficiency, the multiple linear regression
was used.