2025 IJRSE – Volume 14 Issue 6
Available Online: 1 March 2025
Author/s:
Gundran, Tricia*
Ilocos Sur Polytechnic State College, Philippines (gundrantrix.21@gmail.com)
Vallejos, Jairus Anthony G.
Candon National High School, Philippines (jairusanthony@gmail.com)
Abstract:
This study investigates the financial literacy levels of pre-service student teachers at Ilocos Sur Polytechnic State College (ISPSC) Main Campus, examining their financial knowledge, attitudes, and behaviors. With financial literacy being an essential life skill for navigating complex personal finance landscapes, this research aims to provide empirical insights that serve as the foundation for targeted training programs. Utilizing a descriptive-correlational research design, data were gathered from 152 respondents through an online survey questionnaire. The results demonstrate that the participants aged 18-40 years old from rural areas, displayed a Very Satisfactory level of financial knowledge. Their financial attitudes exhibited a combination of favorable and culturally influenced tendencies, such as a preference for immediate spending over saving. Their financial behaviors showed generally responsible practices, including budgeting and timely bill payments, although some inconsistencies were noted in long-term planning. The study reveals that there is significant relationship between respondent profiles and aspects of financial literacy. Younger and single respondents demonstrated higher financial knowledge, while civil status, work experience, and place of residence influenced financial attitudes. Additionally, civil status and family income impacted responsible financial behavior. These results underscore the role of demographic and socioeconomic factors in shaping financial literacy among students. The study proposes a comprehensive training plan focusing on budgeting, savings, investments, and financial resilience to address gaps and enhance competencies among the teacher education students. By equipping them with financial skills, this initiative aims to empower future educators to lead financially informed lives and serve as role models for their students.
Keywords: financial knowledge, financial attitude, financial behavior, training plan, teacher education
DOI: https://doi.org/10.5861/ijrse.2025.25025
Cite this article:
Gundran, T., & Vallejos, J. A. G. (2025). Financial literacy among the pre-service student teachers: Basis for training. International Journal of Research Studies in Education, 14(6), 1-11. https://doi.org/10.5861/ijrse.2025.25025
* Corresponding Author