Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Education Policy and Development (EPD) International Journal of Marketing and Digital Creative (IJMADIC)
Joanna Paula E. Verano
Southern Luzon State University
Economics, Econometrics & Finance Education Social Sciences Other

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Relationship Between Financial Literacy and Academic Performance of Business Students in a Philippine Higher Education Institution Aleli Mae A. Anda; Sushmita Sen L. Martinez; Nicholai G. Quiambao; Paulo V. Mendez; Mary Joan Antonette F. Rafon; Jesus Briones; Joanna Paula E. Verano
Education Policy and Development Vol. 4 No. 1 (2026): Education Policy and Development
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/epd.v4i1.3053

Abstract

Effective financial literacy is critical for students in higher education institutions as it influences academic performance and overall success. This study examined the relationship between financial literacy and academic performance of business students in a Philippine higher education institution. A comprehensive quantitative-descriptive study was conducted with a sample of 172 Bachelor of Science in Business Administration (BSBA) students. A validated, researcher-developed questionnaire was distributed to the sampled respondents via Google Forms. Data analysis includes the use of percentages and frequencies, the weighted mean, and the Pearson correlation coefficient. The study disclosed that the respondents were mostly female BSBA students aged 21–23 in their fourth year, from low-income families with at least one parent who was at least high school-educated. While they demonstrated strong knowledge of financial concepts like budgeting, saving, investing, and credit, their financial behaviors and attitudes were inconsistent. BSBA students identified all the academic performance factors considered in the study as keys to their success. However, demographic factors showed no significant relationship with students’ financial literacy. On the other hand, the study revealed a significant relationship between financial literacy and academic performance. Based on these findings, the study proposes a financial literacy program to help BSBA students make informed financial decisions, increase academic engagement, and enhance personal development, ultimately leading to improved academic outcomes. This study reinforces that higher education institutions should implement financial literacy programs focused on practical financial management competencies, as these positively influence students' academic engagement and overall success.
Profitability of Cryptocurrency Trading Strategies Employed by Investors of a Philippine-Based Online Community: Basis for the Development of an Investor's Guidebook Miriam Belle A. Abarquez; Ernielyn C. Esperanza; Jerwin A. Samson; Heidi C. Turiano; Genieve Aline A. Navela; Jesus P. Briones; Resty P. Umali; Joanna Paula E. Verano
International Journal of Marketing and Digital Creative Vol. 3 No. 2 (2025): September
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmadic.v3i2.3031

Abstract

The volatile and unpredictable nature of the cryptocurrency market poses significant challenges for making profitable trading decisions. This study investigated the profitability of cryptocurrency trading strategies employed by investors of a Philippine-based online community. A descriptive-correlational design was used, employing a Google Forms survey administered to 100 investors who are members of a private online cryptocurrency trading group based in a specific province in the Philippines. Data analysis included frequency, percentage, weighted mean, Pearson’s r, and t-test. Results indicated that most investors are young, educated professionals with employment in finance-related fields, suggesting a familiarity with trading systems. All trading strategies were perceived as generally effective in their contribution to profitability, with algorithmic trading and diversification showing the strongest positive correlations. Demographic variables—particularly sex, age, income, and profession—significantly influenced strategy choice. Younger, wealthier, and more professionally experienced individuals favored more advanced approaches, such as algorithmic trading and diversification. Based on the study's findings, the researchers proposed chapter guidelines for an investor’s guidebook, offering step-by-step strategies tailored to demographic characteristics to help optimize profitability and manage risk. Study limitations include the small and geographically limited samples, as well as the absence of longitudinal data. Future research should involve broader samples and the use of other research methods to validate these findings and explore the effectiveness of long-term cryptocurrency trading strategies.
Co-Authors Aleli Mae A. Anda Ernielyn C. Esperanza Genieve Aline A. Navela Heidi C. Turiano Jerwin A. Samson Jesus Briones Jesus P. Briones Mary Joan Antonette F. Rafon Miriam Belle A. Abarquez Nicholai G. Quiambao Paulo V. Mendez Resty P. Umali Sushmita Sen L. Martinez