4-Stongly Agree, 3-Agree, 2-Disagree, 1-Strongly Disagree

The document contains a research instrument to assess students' financial literacy, including their financial attitudes, knowledge, and behaviors. It also evaluates their spending habits related to lifestyle, food, academics, and transportation. Students are asked to indicate their level of agreement with statements in several categories on a scale of 1 to 4. The questionnaire aims to understand students' perspectives and decision making regarding personal finance.

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4-Stongly Agree, 3-Agree, 2-Disagree, 1-Strongly Disagree

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Kaye Jay Enriquez

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Research Instruments

PART I. Financial Literacy Questionnaire

Direction: Please indicate to what extent you agree or disagree with each of the following statements by putting a
check mark below the number that corresponds your answer.

4-Stongly Agree, 3-Agree, 2-Disagree, 1-Strongly Disagree

4 3 2 1
Item # FINANCIAL ATTITUDE SA A D SD
1
It is critical for me to have a consistent saving habit.
2 I find it more satisfying to spend money than to save it for the
long term.
3
I must avoid borrowing money for non-essential things
4 I only spend my allowance/money on important things that are
within my budget.
5
I spend all my monthly allowance/money; I cannot save any of it.
4 3 2 1
Item # FINANCIAL KNOWLEDGE SA A D SD
1 I felt confident in my knowledge and ability to manage my own
finances.
2
I am aware of the inflation rate in the Philippines.
3 I consider myself financially literate (able to maximize money for
financial stability).
4
I know that I have to set aside money for an emergency.
5
Financial planning is finding the best ways to use your money.
4 3 2 1
Item# FINANCIAL BEHAVIOR SA A D SD
1
Before I buy something, I carefully consider whether I can afford
it.
2
I review and keep track on my financial affairs.
3
I must avoid borrowing money for non-essential things.
4
I manage to save a portion of my monthly allowance/money.

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
II. Spending Habits of BSA students

4 3 2 1
Item # LIFESTYLE SA A D SD
1 I prefer to buy the latest fashion on clothes, shoes, and accessories.

2 I own the latest model of cellular phones and other gadgets.

3
I dine-out with friends in restaurants and other fast-food chains.
4 I avail the discounts offered when shopping on-line.

5 I go to the gym for physical fitness.

4 3 2 1
Item # FOOD SA A D SD

1 I compare prices before I spend money/allowance on food.

2
I prefer eating meals in our house, boarding house, or apartment.
3 I prefer preparing my own fresh fruits and vegetables rather than what is
served in fast-food restaurants.
4 3 2 1
Item # ACADEMIC PURPOSES SA A D SD

1
I compare prices before I buy school supplies.
2 I prefer to buy school supplies from popular book store such as National
Bookstore.
3 I spend a large percentage of my money on review materials such as
photocopies / printed handouts.
4 I spend my money on computer shops when doing my school requirements.
5
I spend money on mobile data load, prepaid wifi load, and etc
Item # SA A D SD
TRANSPORTATION
1 I spend a portion of my money for gas consumption because I have my own
service vehicle.
2
I prefer walking rather than taking a tricycle when I go to a nearby place.
3
I usually pay twice the regular fare or full capacity for my transportation.
4 I do not spend a portion of my money/allowance for transportation because
we have our own means of transportation

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
knowledge

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
lifestyle

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
Food, academic, purposes, and transportation

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284
v

Barangay 5, San Francisco, Agusan del Sur, Philippines 8501 | +63 85 3438327 | F: +63 85 8392284