FINANCIAL PROBLEM TO SENIOR HIGH SCHOOL STUDENTS AND ITS

RELATION TO THEIR ACADEMIC PERFORMANCE AT PIAT

HIGH SCHOOL

BY:
TORRES,LIAN ANGEL L.

CHAPTER 1

THE PROBLEM AND ITS BACKGROUND

INTRODUCTION

Financial problems are one of the most common struggles experienced by many senior high
school students in the Philippines today.At Piat National High School , a number of students
come from families with limited income,making it difficult for them to provide for school related
expenses such as projects,transportation,uniforms,and daily allowances.These financial
challenges may result in students feeling stressed,less motivated,and unable to focus properly
on their studies.In some cases,students are even forced to miss classes or skip school activities
due to lack of money.

Academic Performance is often affected when students are distracted by financial

concerns,studies have shown that students who experience financial problems tend to have
lower grades,poor class participation,and a higher risk of dropping out.At the senior high school
level where requirements and academic expectations are more demanding,these problems can
have a deeper impact. Financial struggles may not only hinder a student's academic
performance but also affect their confidence and opportunities for further education or career
plans.

Aytac S. et.al(2018),stated that globally,being financially stable became a serious matter

when it comes to productivity and creativity in the academic performance of students.Indeed,we
researchers also believe that being financially stable means students could afford their daily
academic expenses in their everyday life as they productively enhance themselves in
school.Financial instability on the other hand,can cause negative effects to the academic
performance of students,such as they could not afford a particular project,neither to participate
financially in a specific project,as they cannot afford to buy things that is essential to their
academic development,it may result for the decrease of their academic performance in school.

According to Dang and Bulus(2015),stated that many students are affected by the
economic downfall.Even college students often worry about their finances,which then this
financially worry may affect their academic performance as the students are dividing their
attention between financial and academic.Hence,this can be stated that the family’s finances are
motivation and encouragement for the students to have a good academic performance.

From the study of Alegre et.al(2020), that currently some students are struggling with
school expenses,and another problem for students is lack of school equipment,and added to
more years for senior high school,and those students who want to work students,but underage
can’t work because they are not in the right age to work,and their parents can’t afford to educate
their child due to a disability on financial support. If other students lack the financial support,they
will be less educated.Nowadays,it is difficult to make money for school supplies and food
supplies.

A study in the Philippines by Moore et.al(2021),stated that financial stress impedes their
ability to succeed academically and students experiencing financial stress find it challenging to
navigate relationships with wealthier peers,often leading to feelings of isolation and
embarrassment.

The goal of this research is to understand how financial problems affect the school
performance of senior high school students at Piat National High School.This study is new
because because it focused on the real-life struggles of students in the specific school and
shows how money problems can make it harder for them to study well,complete school tasks,or
attend classes.By knowing this,the school,teachers,and parents can find better ways to help
students who are facing financial challenges.

CONCEPTUAL FRAMEWORK
The paradigm above shows the independent variable,which is the financial problem of senior
high school students,and the dependent variable,which is the academic performance of the
respondents.It illustrates how financial difficulties may influence or affect the students’ ability to
perform well in school.

Statement of the Problem

This study aims to study the financial problems experienced by senior high school students and
how these affect their academic performance in Piat National High School.

Specifically, it seeks to answer the following questions:

1. What is the profile of the learners in terms of:

1.1 Age
1.2 Sex
1.3 Strand
1.4 Daily allowance
1.5 Means of transportation to school
1.6 Source of financial support

2. What are the common financial problems encountered by the students?

3. What are the effects of financial problems on students' academic performance?

4. How do students cope with financial difficulties in relation to their studies?

5. Is there a significant relationship between financial problems and academic performance?

SCOPE AND DELIMITATION

This study focuses on assessing the utilization and impact of Financial Problem on the
Academic Performance of the learners in Piat National High School as well as to identify if there
is a significant impact on their academic performance. At the end of the study,the researcher
hopes to plan an action on how to minimize the potential negative effect of the Financial
Problem on Academic Performances and ensure it remains a beneficial tool for students in Piat
National High School.

SIGNIFICANCE OF THE STUDY

The results of the study will be beneficial to the following:

Learners: This study is important because it will help senior high school students understand
how money problems affect their school performance. It may also help them find ways to
manage their time and needs better.

Teachers: This study will help teachers understand what students with money problems are
going through . It can help them give more support and adjust how they teach to help students
do better in school.

School Administration: This study will help school leaders see how money problems affect
students’ learning. It can help them make better plans or programs to support students who are
struggling.

Parents: This study will help parents realize how financial problems affect their child's learning
and school performance. It may also encourage them to give more support and guidance to
their children.

Future Researchers: This study can give ideas and information to the other people who want
to study the same topic.It can serve as a guide or basis for future research.
DEFINITION OF TERMS
These are the terms that are used throughout the literature review that needs to be defined for
clarity of understanding.These terms are:

Financial Problem-Lack of money or resources needed for daily needs,school

fees,transportation,projects,or other school related expenses.

Senior High School Students- Students who are in Grade 11 and Grade 12 in the K-12
education system.

Academic Performance- The level of success a student has in school,usually measured

through grades,test scores,or class participation.

Allowance - An amount of money that is given to someone regularly or for a specific purpose.

Relation - The connection or effect of one thing to another.In this study,it means how money
issues affect school performance.

HYPOTHESIS

There is a significant relationship between the financial problem to the academic performance of
the Senior High School students.