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International Journal of Multidisciplinary: Applied Business and Education Research

ijmaber
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Published by Future Science

ISSN : - EISSN : 27745368 DOI : 10.11594/ijmaber

Core Subject : Economy, Health, Science, Social, Engineering,

Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

International Journal of Multidisciplinary: Applied Business and Education Research is a peer-reviewed in a monthly basis that publishes full-length papers. it is to enhance the dissemination of knowledge across the multidisciplinary community. We are particularly interested in papers relevant to all disciplines. The editorial board is keep to receive articles that address all areas. The editorial board is keep to receive articles that address, inter alia, the following business scientific fields: General management International business trategic management Marketing Supply chain management Operations management Knowledge management Management of education Organization studies Entrepreneurship Small and medium enterprise Innovation Human resource management Information technology E-business Financial management and time series analysis. Education Social Sciences Science, Technology, Engineering and Mathematics (STEM) Economic Development Tourism Development Arts and Language Sports Theory Others The above areas are just indicative and the editors, in principle, welcome rigorous articles that encompass any scientific business and management field.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 1,993 Documents

185 186 187 188 189

Online Fraud Risk and Its Impact on Student Trust in Digital Financial Services Kathleen Grace M. Lauron; Brigette Rose E. Malinao; Chris James T. Detecio; Edward Louie Y. Abejero; Patricia Andrea A. Genon; Paulino Jr. F. Abarquez; Ryan B. Malubay; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (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.07.04.25

In this study we have investigated the impact of digital financial risk perception on customer trust in digital financial services on students at a university in Cebu City of the Philippines. As people increasingly depend on e-wallets and mobile banking to transact daily business, it is important to learn how fraud awareness influences their trust. We have used a quantitative correlational design and conducted a Likert scale survey on 310 students. The Likert scale is not too reliable (Cronbach’s α = 0.778) but students found online fraud to be a serious and growing problem (M = 3.37). However, they trusted digital financial services (M = 2.92). Simple linear regression revealed that perceived online fraud risk is not a strong predictor of customer trust (R² = 0.003 and p = 0.34), indicating that fraud awareness is not responsible for all the variation in trust. These results suggest that students are more trusting in functional trust (convenience, usability and platform performance) than in perceived safety. Despite high-risk awareness, students continue to use digital financial services because those services are essential to daily life. This finding indicates that service providers need to better serve the customers when it comes to platform reliability, user experience and customer support as these properties seem to be more important in maintaining trust than perceived fraud risk. Future research should also look at user satisfaction, digital literacy and actual fraud experience and longitudinal design to track how trust changes with changing digital practices.

Factors Contributing to Absenteeism Among 4ps Beneficiary-Students in Selected Elementary Schools, Can-Avid District Jessica L. Hicao; Mary Rose D. Irasga; Juvy Cris A. Hobayan; Jofrelyn B. Adina; Ester A. Baldelobar; Rhea Rose J. Goden; Jill C. Diaz; Ailyn C. Busa; Rosechill D. Hobayan; Juanito E. Lascano Jr.; Janice Dyan G. Quiloña
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (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.07.04.22

This study investigates absenteeism among 4Ps beneficiary-students in selected elementary schools, Can-avid District, that focus on factors influencing attendance patterns. The research aims to identify key factors impacting absenteeism, understand their implications, and propose targeted solutions for improving attendance and improve academic performance of students. Through a quantitative-descriptive correlational design, data was collected on attendance levels, parental education, distance to school, health conditions, and parental involvement. The analysis revealed a positive commitment to education among students, with high attendance rates emphasizing a conducive learning environment. Significant positive correlations were found between parental education, health conditions, and parental involvement with attendance patterns, highlighting their crucial impact on student attendance. Contrarily, distance to school showed a non-significant correlation with attendance rates. The study underscores the significance of parental support, health considerations, and a supportive learning environment in promoting positive student attendance and academic outcomes. Recommendations include enhancing parental education programs, implementing health support initiatives, and strengthening parental involvement strategies to improve attendance rates and foster academic success. This research provides valuable insights for stakeholders, including the Department of Education, school administrators, teachers, students, parents, community members, and future researchers, aiming to address absenteeism effectively among 4Ps beneficiary-students.

Language, Culture, and Gender: The Role of Traditional Stories in the Acceptance of Transgender Individuals Anthony M. Mon; Elmer C. Diocares; Shella Marie I. Diocares
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (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.07.04.27

This qualitative study investigates the intersection of traditional storytelling, cultural heritage, and the societal acceptance of transgender individuals within the Philippine context. While historical narratives often dictate rigid gender binaries, this research explores how such stories can simultaneously act as barriers to and instruments for gender inclusivity. Through semi-structured interviews with eight transgender participants from Sta. Cruz, Zambales, the study identifies core thematic challenges, including religious discrimination, deep-seated superstitions regarding "bad luck," and the pervasive influence of gendered role performance. The findings suggest that while traditional narratives currently reinforce stereotyping and misinformation, they possess the latent power to reshape social values. By promoting inclusive storytelling and leveraging family support systems, society can transition from exclusionary traditions toward a framework of empathy, self-love, and genuine transgender integration.

Personality Traits and Job Satisfaction among Provincial Paid Teachers in Borongan City Division: Input to Personality Development Intervention Angela S Adlawan; Flor Janine A. Glino
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (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.07.04.24

This study determined the provincial paid teachers’ personality traits and job satisfaction for the purpose of utilizing research results in policy and intervention development. The study employed a quantitative approach, gathering information from purposive sampling of 36 provincial paid teacher in Borongan City Division through Big Five Personality Traits and teacher job satisfaction questionnaire survey method. Mean score was used to describe personality traits and level of job satisfaction, likewise the Spearman’s Rho determine correlational analysis on significant relationship exists between specific personality traits and job satisfaction. The findings show on respondents’ personality traits in terms of openness, extroversion, and neuroticism got a mean score 3.40, 3.29, and 2.90 with moderate level, respectively. While, conscientiousness and agreeableness got a mean score 3.60 with high level of personality traits of the respondents. The level of job satisfaction got a high level with 3.81 mean score. Moreover, it was found that conscientiousness has a very strong positive relationship with teacher job satisfaction, while, agreeableness and extroversion were both found to have strong positive correlation with teacher job satisfaction. Therefore, reject the null hypothesis that stated that there is no significant relationship between job satisfaction and personality traits of respondents, specifically: agreeableness, conscientiousness, extroversion, openness, and neuroticism. The results show how crucial the provincial paid teachers to continually develop and encouraged their traits that reflect conscientiousness such as thoughtfulness, good impulse control, and display strong goal-directed behaviors.

Ctrl + Class: A Phenomenological Unfurling of the Lived Digital Leap of the 21st Century Teachers Princes Joy G. Arambala; J. P. Versinie M. Salmorin
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.02

This study is relevant to the academic community as it provides insights into the lived experiences of faculty members navigating technology-enhanced learning (TEL) in a private Catholic institution. It presents primary data gathered through in-depth interviews with four faculty participants from Holy Cross of Davao College, Region XI, Philippines. Understanding these experiences can help educators and institutions develop more effective strategies for integrating digital tools in faith-based educational settings. This qualitative study employed a phenomenological approach to explore how teachers perceive, adopt, and utilize technology in their classrooms. Using purposive sampling, the researchers chosen participants who actively implemented TEL. Thematic analysis revealed that faculty members experienced both growth and challenges in their digital journey. They expressed fulfillment when students engaged more deeply through tools like Padlet and Edpuzzle, but also shared frustrations due to infrastructure limitations and evolving digital platforms. Participants described coping mechanisms such as self-learning, peer mentoring, and strategic use of tools like Google Classroom and Canva. Their insights emphasized the importance of adaptability, reflective practice, and a student-centered mindset. The study recommends institutional support for professional development, improved infrastructure, and collaborative efforts to foster inclusive and effective digital learning environments.

Self-Perceived TPACK of Public Secondary English Teachers: Basis for an Extension Program Lyzyl Lopez-Banuag
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.03

The need for quality education was the fourth sustainable development goal of UNESCO which ensured inclusive, equitable, and lifelong learning opportunities for all learners. Its implication to increasing the supply of qualified teachers in developing countries was part of the major roles of teacher education institutions. Through complete enumeration, this study examined the self-perceived technological pedagogical and content knowledge of junior and senior high school English teachers in a large public school for S.Y. 2024-2025. It further aimed to design an extension training program for implementation in the research locale. After a series of preliminaries including the online orientation and obtaining informed consent in person, an adopted and validated survey questionnaire was administered in Google form in a group chat. Statistical information analyzed through the computation of weight and mean revealed that the respondents are generally competent to very much competent in terms of TPACK. There were suggested learning objectives, activities, and materials applicable and purposeful for an extension program designed to enhance the competence of the faculty recipients in integrating technology in both online and classroom-based teaching.

A Self-Learning Module for Grade 7 Students: A Sustainable Enhancement Material for the Least Mastered Competencies in Basic Mathematical Concepts Mary Grade A. Aledo; Kyla Mae T. Mayo; Emilio James M. Yao; Leroy A. Flores
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.05

Mathematics is considered one of the most important subjects in the Philippine educational curriculum. However, the majority of students, especially those in junior high school, still struggle with its basic concepts. To address this problem, the researchers developed a self-learning module (SLM) to enhance Grade 7 students’ least mastered competencies in basic mathematical concepts, using the ADDIE (Analyze, Design, Develop, Implement, Evaluate) model and a descriptive-developmental research approach. The least mastered competencies of students were analyzed during the needs assessment of researcher-extensionists at a state university in Zambales. The researchers designed and implemented the SLM to help students study independently and understand mathematics better, with features such as various types of activities, practical examples, self-assessment tasks, and bilingual (English and Filipino) explanations, serving as an innovative means of indirect interaction. Results indicated that the SLM effectively addressed learning gaps, as evidenced by improved student performance and favorable evaluation ratings of the module’s design and instructional features. This study implied that the SLM is expected to contribute to the development of effective and accessible learning materials that can sustainably enhance the mathematical proficiency of Grade 7 students, particularly in contexts where language and resource limitations persist.

What Makes Them Happy?: Measuring the happiness of Certified Public Accountants through the COVID-19 Pandemic in Cotabato Province, Philippines Christian Eligius A. Jimenez; Jay-R G. Vildac; Zosimo O. Membrebe Jr.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.06

Since the onset of the COVID-19 pandemic, governments across the world have enforced lockdown measures to limit the transmission of the virus. Although these restrictions have been effective in reducing physical health risks, they have also raised concerns about their negative impact on individuals’ well-being, particularly in terms of life satisfaction and happiness. This paper analyzes the feeling of happiness of the Certified Public Accountants in the Cotabato Province and measures their satisfaction with the 10 happiness domains, to aid the limited understanding of how an outbreak can affect people’s well-being. The central idea is to assess the overall happiness of the respondents, investigate the relation of happiness and 10 domains, and to identify which of these domains affect their happiness. Pearson correlation coefficient (r) was used to examine the relationship between happiness and the ten happiness domains. Multiple regression was used to identify the domains that significantly predicted happiness. Results showed that all ten domains were significantly and positively correlated with happiness. The final regression model identified health, environment, time balance, governance, and psychological well-being as significant predictors of happiness.

Principals and Teachers’ K to 12 Implementation Experiences in Bohol: A Case Study Fe R. Janiola; Judy Ann O. Ferrater-Gimena; Renato C. Sagayno; Mauro Allan P. Amparado; Rex T. Argate; Rithsun J. Mamacos
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.07

The K to 12 program was implemented to produce globally-competent graduates by adding two more years of the basic education. However, each implementation of educational reforms would have lots of issues to contend. This study explored the K to12 Senior High School (SHS) Program implementation experiences of the principals and teachers. It employed a case study design, analyzing personal experiences and views to understand and provide insights and recommendations about the K to 12 Basic Education Program (specifically Grade 11), based on the experiences of principals and teachers from Senior High Schools in Bohol, Philippines. Two (2) sets of researcher-designed interview guides were used to conduct unstructured interviews. Thematic analysis was applied in analysing the data.There were three emergent themes that were developed from the experiences of the research participants, such as: K to 12 Transition Management, K to 12 Implementation Challenges, and Mitigating Measures. The essence and salient features of the K to 12 Senior High School (SHS) curriculum were well-crafted and helped the students enhance their skills and prepare them to be globally competitive since the Department of Education crafts it. Although the principals' role was to implement the curriculum and ensure that the students' concerns were addressed and left no one displaced in the Senior High School. Nevertheless, some challenges were encountered, such as the lack of sufficient teaching materials, facilities, classrooms, inadequate teachers' capacity-building programs, and students' social, economic, and psychological struggles that hindered academic access.

The Mediating Role of Financial Health on the Relationship Between Financial Personality Types, Credit Dependency, and Financial Preparedness for Emergencies among SUCs Educators: Basis for a Program Nepthali Bacones
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 5 (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.07.05.08

Due to the importance of financial preparedness for emergencies (FPE) in individuals’ financial emergency-resiliency, this study examined the mediating role of financial health (FH) on the relationship between financial personality types (FPT), credit dependency (CD), and financial preparedness for emergencies (FPE). Utilizing Yamane’s formula and purposive-convenience sampling, three hundred fifty-two respondents took part in the study, representing the population of educators from selected State Universities and Colleges (SUCs) from Luzon, Visayas, and Mindanao in the Philippines. Descriptive, exploratory factor analysis, Pearson’s Moment Correlation, regression, and partial least squares structural equation modeling (PLS-SEM) were used to analyze the data. The results of the EFA have identified five FPT of SUCs educators. In addition, the result reveals a low level of CD, a good level of FH, and a moderate level of FPE. Moreover, FH fully mediates the relationship between FPT, CD, and FPE. The findings can be used as a basis for the formulation of a program that will help educators enhance their financial resilience by improving their FH, maintain low level of CD through wiser financial behavior in accordance with their respective FPT, and improving FPE.

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Froilan D. Mobo

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Froilan D. Mobo

Contact Email fd.mobo@pmma.edu.ph

Phone +6281331990313

Journal Mail Official editor@babmrjournal.org

Editorial Address Griya Shanta Eksekutif P470 Lowokwaru, Malang, Indonesia 65141

Location Kab. malang, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Froilan D. Mobo

Contact Email
fd.mobo@pmma.edu.ph

Phone
+6281331990313

Journal Mail Official
editor@babmrjournal.org

Editorial Address
Griya Shanta Eksekutif P470 Lowokwaru, Malang, Indonesia 65141

Location
Kab. malang,

Jawa timur

INDONESIA