CONCEPTUAL FRAMEWORK
The input for this quantitative research focuses on key variables such as demographic factors
(age, gender, year level, and socioeconomic background), financial literacy levels, and income
sources. These inputs provide a comprehensive overview of USI-CBE students’ backgrounds and
financial conditions, which are crucial for understanding their saving and spending patterns.
Financial literacy in this context involves the students' understanding of budgeting, saving, credit
use, and investment, while income sources include allowances, part-time jobs, scholarships, or
other financial support. The study also considers students' exposure to financial education,
whether through formal courses, programs, or personal financial management experiences.
The process involves the development and distribution of a structured survey or questionnaire to
gather data on students' financial literacy and their spending and saving habits. The survey is
designed to assess various indicators like budgeting skills, frequency of saving, and common
spending categories. Data will be collected quantitatively from a sample of USI-CBE students,
focusing on their income, expenses, and knowledge of financial concepts. The process may also
include interviews to capture qualitative insights into students’ financial attitudes, which will
complement the quantitative data analysis.
The output of this study will be an analysis of the saving and spending patterns of USI-CBE
students, highlighting how financial literacy impacts their financial behaviors. Using statistical
methods such as correlation and regression analysis, the study will identify trends and significant
factors that affect students' financial management practices. The findings will provide actionable
insights into how financial literacy influences budgeting and saving behaviors and will lead to
recommendations for improving financial literacy education. This could include introducing
financial planning workshops or enhancing financial literacy programs to better equip students
with the skills necessary to make informed financial decisions
