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The Influence of Financial Literacy and Financial Practices on the Financial Well-Being of Senior High School Students

Author

Listed:
  • Esclamado, Ailyn A.

    (Department of Education, Senior High School Students)

  • Asidero, Eme Rose Jane, L.

    (Department of Education, Senior High School Students)

  • Dela Cruz, Shane S.

    (Department of Education, Senior High School Students)

  • Francisco, John Edmar A.

    (Department of Education, Senior High School Students)

  • Fuentes, Hanna Yen.

    (Department of Education, Senior High School Students)

  • Gumapac, Cynthia G.

    (Department of Education, Senior High School Students)

  • Hitalia, Venice A.

    (Department of Education, Senior High School Students)

  • Navariz, Maylanie L.

    (Department of Education, Senior High School Students)

  • Tanggurak, Hanna Mae, D.

    (Department of Education, Senior High School Students)

  • Tantano, Jhona, S.

    (Department of Education, Senior High School Students)

  • Anna Marie O. Pelandas

    (Department of Education, Senior High School Teachers Division of Davao de Oro)

  • Jocel T. Labadan

    (Department of Education, Senior High School Teachers Division of Davao de Oro)

Abstract

This study examined the influence of financial literacy and financial practices on the financial well-being of senior high school students. The primary goal of this study was to assess the level of financial literacy, financial practices, and financial well-being, to determine the significant relationship between these variables, and to examine the influence of financial literacy and financial practices on financial well-being. A quantitative, descriptive-correlational design was employed in this study, involving 271 senior high school students. The statistical methods used included the mean, Spearman’s rho, and multiple linear regression. The study found that financial literacy, financial practices, and financial well-being were all high. Moreover, there was a significant relationship between the variables, and financial literacy and financial practices significantly influenced financial well-being. Budgeting, saving, and responsible spending were found to significantly predict financial well-being.

Suggested Citation

  • Esclamado, Ailyn A. & Asidero, Eme Rose Jane, L. & Dela Cruz, Shane S. & Francisco, John Edmar A. & Fuentes, Hanna Yen. & Gumapac, Cynthia G. & Hitalia, Venice A. & Navariz, Maylanie L. & Tanggurak, H, 2026. "The Influence of Financial Literacy and Financial Practices on the Financial Well-Being of Senior High School Students," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(2), pages 4445-4457, February.
    • Handle: RePEc:bcp:journl:v:10:y:2026:i:2:p:4445-4457
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