Hardy Bankas

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Publications

Level of Financial Literacy and Debt Management: Basis for Personal Financial Management Program

Psychology and Education: A Multidisciplinary Journal 2025 41(2) 206-215

Authors: Winona Caryl Carvajal , Cristine Marie Baltonado , Mary Gil Gocela , Laurence Jay Pajes , April Joy Soliman , Hardy Bankas , Cliff Kirl Lubon , Marilou Albano

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Level of Awareness of Income Taxation among Entrepreneurs

Psychology and Education: A Multidisciplinary Journal 2025 38(9) 974-981

Authors: Shahara Balating , Chloe Cataluña , Jhonalyn Maraon , Carl Mark Labasan , Juliet Libre , Cliff Kirl Lubon , Ismael Musa , Hardy Bankas

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