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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Peter G. Narsico
Cebu Institute of Technology University
Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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The Influence of Discounts on the Shopee E-Commerce Platform and Financial Discipline on Impulse Buying Behavior Peter G. Narsico; Ira Faye N. Apay; Hyacinth P. Belacho; Trisha Ann L. Lawas; Trisia Amor Pangan; Conielyn A. Ronato; Jubail Sebastian Villafor; Lalaine O. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 8 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.08.17

Abstract

The current study examined the nexus between Shopee online discount strategies and impulsive buying behavior among university students, with financial discipline explored as a potential moderator. More prevalent are flash sales, vouchers and gamified promotions in online shopping platforms that can induce impulsive buying behavior, especially among young people. A quantitative descriptive-correlational design was used with a structured survey questionnaire to 456 university students in Cebu City. The questionnaire measured three constructs quantitatively; exposure to Shopee discount, tendency to buy impulsively and financial discipline. Hierarchical multiple regression was used to test the direct effects of Shopee discount exposure, financial discipline, and the interaction of the two on impulse buying behavior. The results indicated that exposure to online discount of Shopee significantly predicted impulsive buying tendency (B = 0.41, p<.001) with about 15% of variance. The final model, which included financial discipline, their interaction and online discount exposure from Shopee, explained about 20.6% of the variance. Discount exposure was still positively associated with impulsive buying tendency (B=0.45, p<.001) and financial discipline had a significant negative association (B=−0.33, p<.001). However, the interaction term between mean-centered discount exposure and financial discipline scores was not statistically significant (B = −0.05, *p* = 0.518). Thus, financial discipline was related to lower impulsive buying tendency in general, but it did not significantly moderate the relationship between the exposure to online discount on Shopee and impulsive buying tendency. Future research should examine other possible moderators and interventions to improve financial self-regulation.
The Influence of Convenience, Pricing, Accessibility, and Product Variety on the Perceived Practical Utility of Online Shopping Rhitchelle Therese Egera; Lovelyn C. Trazona; Ramie Lou B. Abordonado; Mike Kevin C. Caballero; Marilou C. Obejero; Easter Mae C. Rita; Lalaine O. Narsico; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 8 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.08.20

Abstract

Today, online shopping has become a core activity of consumers, especially among digital-savvy college students. While the importance of convenience, price, easy access and product variety is well known, the combined effect of these four factors on perceived practical utility has not been investigated. Among 380 college students in Cebu City, Philippines, the relationships established between these four features and practical utility have been examined using this descriptive-correlational quantitative design. Information was gathered using a structured questionnaire (14 items; Cronbach’s α = 0.897) and analysed using descriptive statistics and a regression model. Participants believed that online shopping is convenient (M = 3.98), provides price advantages (M = 4.04), high accessible (M = 4.30) and provides various product options (M = 4.09). The results indicated that convenience had a significant positive effect on practical utility (β = 0.66, p < .001), price (β = 0.61, p < .001), accessibility (β = 0.74, p < .001) and product variety (β = 0.73, p < .001). However, this was not the case in multiple regression model (R² = .58) where accessibility (β = 0.34), convenience (β = 0.28) and product variety (β = 0.24) remained significant while price advantage became non-significant (p = .137). The practical utility of online shopping is provided by accessibility, convenience and assortment of products. Price is less important in combination with other factors. 
The Integrated Dynamic Self-Sufficiency (IDSS) Framework: A Literature- Informed Conceptual Model for Sustainable Community Development Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 8 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.08.21

Abstract

Often, interventions to build community development fail to achieve durable self-sufficiency because support is fragmented or withdrawn before local capacities have been stabilized. In this paper we present the Integrated Dynamic Self-Sufficiency (IDSS) Framework. This model was developed using reflective conceptual reasoning and then examined and refined through an integrative, interdisciplinary review. The preliminary model organized self-sufficiency around five interrelated elements: Purpose, Mindset, Competence, Resources, and Connection.  We drew on literature from community development, resilience studies, psychology, education, sustainable development and systems thinking to illuminate the elements, evaluate their conceptual fit and refine the dynamic relationships of the model. In the framework, the elements move toward or away from a central state of self-sufficiency, and the strength of their connections represent the degree of integration and stability. The model identifies two possible ways it could fail: either it only addresses a subset of the elements, or it removes external support before sufficient convergence has occurred. It thus promotes a phased intervention logic where support is modulated to local capacity and scaled down responsibly as self-sufficiency is built. As a literature-informed conceptual model, the IDSS Framework offers testable propositions and potential applications in education, disaster relief, social services, and work with marginalized communities.
The Relationship of Negative Fake Online Reviews with Customer Product Trust and Product Perception Leiff Laurence M. Sedentario; Deanne John E. Lascota; Jraldine Amotan; Jramae Amotan; Mary Jorica L. Ardinez; Neogin Gil A. Sollano; Nicole M. Cantil; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 9 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.09.28

Abstract

Consumer reviews are important sources of information for purchase decisions in online marketplaces. The increasing number of negative fake reviews – false or exaggerated comments that are intended to damage a product or business – raises questions regarding the relationship between them and customer product trust and product perception. The present study used a quantitative correlational design to examine these relationships among 337 university students in Cebu City, Philippines who purchased products online at least once a month. Perceptions of negative fake reviews, customer product trust and product perception was measured by a structured questionnaire using a five-point Likert scale. Descriptive statistics and simple linear regression were applied to analyze the data. Respondents generally concurred on the existence of negative fake reviews that can be harmful and difficult to differentiate from authentic reviews. Regression analysis revealed that negative fake review perception was a significant predictor of customer product trust (R² = 0.26) and product perception (R² = 0.28). The findings reveal that the perceptions of negative fake reviews are significantly linked to consumers’ trust-based reactions and their assessments of product quality, dependability and worth. The findings emphasize the significance of review authentication, credibility indicators and consumer digital proficiency in reinforcing the integrity of online marketplaces.
From Digital Financial Administration to Institutional Transformation: Developing the Integrated Digital Financial Administration Framework (IDFAF) Through a Qualitative Case Study Glenda A. Pozon; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 9 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.09.29

Abstract

While the digital transformation has begun to impact the administrative and financial aspects of higher education, there has been scant research on how the digitization of tuition monitoring and communication systems can help facilitate broader institutional transformation. This qualitative case study explored the experiences of accounting personnel and other system users after the implementation of the Digitized Tuition Monitoring and Communication Management System in a higher education institution. Open-ended survey responses were used to collect data which were analysed using Braun and Clarke’s reflexive thematic analysis. The twelve emergent themes were improved communication, real time access to financial information, financial transparency, operational efficiency, user-friendliness, leadership support, accessibility, automation, training needs, technical glitches and system reliability, resistance to change, and payment delays. Together, these themes illustrated that effective digital financial administration is not only about technological implementation, but also about organizational processes, user experiences and continuous institutional learning. The study conceptualized the Integrated Digital Financial Administration Framework (IDFAF) through conceptual synthesis that grouped the findings into five higher-order conceptual constructs, namely, the Digitized Tuition Monitoring and Communication System, Digital Administrative Processes, User and Organizational Experience, Continuous Improvement, and Institutional Transformation. The framework conceptualizes digital financial administration as a dynamic and iterative process, in which technological capabilities, organizational support, and continuous improvement interact to reinforce transparency, administrative efficiency, service quality, and institutional effectiveness. The study makes an empirical and conceptual contribution by offering an evidence-based framework that may help higher education institutions implement, assess and continuously improve digital financial administration initiatives. 
Resilience at the Margins: Developing the Cultural Agency Model Through a Concept-Driven Integrative Literature Review of the Badjao Experience Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 9 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.09.30

Abstract

The Badjao are an indigenous group living at sea in the Philippines, marginalized and generationally poor. A literature review of Badjao experiences of marginalization and resilience is used to provide insight into the interrelated cultural, social and structural forces that shape those experiences. It employs a concept driven integrative literature review to synthesize scholarly articles, NGO reports, policy documents and selected contextual sources into five recurring themes. The five major themes were cycle of deprivation, structural barriers, access and opportunity, support systems and growth, and cultural adaptation and agency. The synthesis shows that structural neglect, lack of legal identity and limited access to education and livelihood sustain deprivation and exclusion but culturally anchored support systems and inclusive opportunities can foster resilience and agency. This study proposes the Cultural Agency Model as a framework for understanding empowerment as an outcome when communities are recognized, engaged and supported in culturally appropriate ways. The model acknowledges the dynamic interaction of constraining and facilitating forces and proposes that sustainable culturally responsive systems can create conditions that facilitate opportunities for increasing agency and transformation. The model does not frame some behaviors (often stigmatized in marginalized groups) as deficits but as adaptive responses to identity and survival, shaped by context. Although constrained by its dependence on secondary sources, the study does provide a conceptual basis for future participatory research. The Cultural Agency Model offers a conceptual path toward understanding inclusive development as the co-creation of empowerment through systems of recognition, belonging and self-determination.
Co-Authors Airavelle L. Abellana Anne Lorraine L. Abanto Aubrey Ann R. Castañares Brigette Rose E. Malinao Chris James T. Detecio Conielyn A. Ronato Deanne John E. Lascota Dessa Kaye B. Basul Dominique A. Selma Easter Mae C. Rita Edrich Nigel A. Georsua Edward Louie Y. Abejero Ginesa C. Anticuando Glenda A. Pozon Gwendolyn G. Anoya Hafsah D. Macaurao Hannah Nichole V. Gonzales Harvey E. Destura Honey Niez Hyacinth P. Belacho Ira Faye N. Apay Ivy Paulen S. Pelonio James Roeberl B. Monton Jannah Carmelle B. Cabal Jariene Fibelle Mae T. Alonzo Jella O. Bacatan Jess Andes John Kirby Z. Añonuevo Añonuevo Joseph P. Barbadillo Jraldine Amotan Jramae Amotan Jubail Sebastian Villafor Julia Fernanda S. Ceniza Kathleen Grace M. Lauron Keers E. Adolfo Kristine A. Aratia Kylens D. Bajade Kyrah Alodia A. Yanson Lalaine O. Narsico Leiff Laurence M. Sedentario Lorence David D. Descartin Lovelyn C. Trazona Marilou C. Obejero Mart Francesfil R. Paug Marvin Ian E. Niere Mary Jorica L. Ardinez Mary Rose D. Lastimosa Mike Kevin C. Caballero Monic Lei F. Quimbo Mova M. Alicaway Neil A. Dela Cruz Neogin Gil A. Sollano Nesta Rudy Marcus P. Flores Nhilven Joice Y. Sabellano Nicole M. Cantil Niña Fatima Rainy B. Lopez Noriella P. Gereña Oudy Francis A. Acedo Patricia Andrea A. Genon Paulino Jr. F. Abarquez Ralph Clarence M. Laraga Ramie Lou B. Abordonado Rhitchelle Therese Egera Ryan B. Malubay Shaira Shayne L. Ybañez Sol Andrew L. Pegarido Trisha Ann L. Lawas Trisia Amor Pangan