2026 IJRSE – Volume 15 Issue 1
Available Online: 15 January 2026
Author/s:
Bagayawa, Maria Lakasdiwa S.*
Central Bicol State University of Agriculture, Philippines (marialakasdiwa.bagayawa@cbsua.edu.ph)
Doloso, Ernesto D. Jr.
Central Bicol State University of Agriculture, Philippines (jeremy.doloso@cbsua.edu.ph)
Abstract:
The Pantawid Pamilyang Pilipino Program (4Ps), a conditional cash transfer program designed to improve low-income households’ health, nutrition, and education, is one way that poverty is handled in the Philippines. This study looked at the socioeconomic and demographic characteristics of 4Ps recipients in San Felipe, Naga City, as well as their financial knowledge, abilities, values, and behavior, as well as their status and ATM card usage. Data were gathered from 19 purposively chosen recipients using a survey questionnaire created by the researcher employing a descriptive study design, and descriptive statistics were used for analysis. Most beneficiaries, according to the results, were low-income, female family heads with secondary education who were either unemployed or underemployed. High levels of financial knowledge, abilities, values, and responsible financial behavior were exhibited by beneficiaries, especially when it came to budgeting and grant usage. Nonetheless, a moderate comprehension of credit and borrowing hazards was seen. Strong adherence to program rules was demonstrated by the high ATM card retention rate and few pawning incidents. To improve long-term financial resilience, the report suggests strengthening credit literacy, livelihood assistance, emergency savings, and access to reasonably priced financial services.
Keywords: 4Ps, conditional cash grants, ATM, financial literacy, policy framework
DOI: https://doi.org/10.5861/ijrse.2025.25338
Cite this article:
Bagayawa, M. L. S., & Doloso, E. D. J. (2026). Financial literacy of 4Ps members in San Felipe, Naga City: A descriptive case study. International Journal of Research Studies in Education, 15(1), 151-159. https://doi.org/10.5861/ijrse.2025.25338
* Corresponding Author