Financial Literacy and Work Performance of Private School Teachers in Morong and Cardona, Rizal
DOI:
https://doi.org/10.65339/ijsis.V1.I3.153Keywords:
Financial Literacy, Financial Knowledge, Financial Behavior, Financial Planning, Work Performance, Private School Teachers, Financial Management ProgramAbstract
This study determined the financial literacy and work performance of private school teachers in Morong and Cardona, Rizal during School Year 2024–2025. Specifically, it described the respondents according to age, sex, civil status, length of service, educational attainment, and in-service trainings attended; assessed the extent of financial literacy in terms of financial knowledge, financial behavior, and financial planning; determined whether significant differences existed in financial literacy when grouped according to profile; assessed work performance based on faculty appraisal evaluation; examined the relationship between financial literacy and work performance; and proposed a Financial Management Program based on the findings. The study employed a descriptive survey research design using a researcher-made questionnaire-checklist and documentary analysis of faculty appraisal evaluations. Results showed that the respondents were generally financially literate, with a composite weighted mean of 4.08, interpreted as Often (Much Literate). Among the dimensions, financial knowledge obtained the highest weighted mean of 4.23, followed by financial behavior at 4.07 and financial planning at 3.95. No significant differences were found in financial literacy when respondents were grouped according to age, sex, civil status, length of service, and educational attainment. However, significant differences were found in terms of in-service trainings attended, particularly in financial knowledge (p = .008), financial behavior (p = .002), and financial planning (p = .017). The respondents demonstrated a Very Satisfactory level of work performance, with a mean appraisal rating of 88.45 and a standard deviation of 3.801. Furthermore, a significant relationship was reported between financial literacy and work performance. Based on the findings, a Financial Management Program was proposed to strengthen teachers’ financial knowledge, responsible financial behavior, and financial planning through accessible and practical financial education activities. The study highlights the relevance of financial literacy as part of professional development initiatives for private school teachers..
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Copyright (c) 2026 Rhoevee McSharreiy SJ. De Jesus,LPT,MAEd (Author)
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