Rafael Ramos

Contact: raf*********@deped.gov.ph Unverified

0 Publications

Publications

Effects of Financial Literacy to the Spending Habits of Selected Senior High School Students in a Private Institution in Gumaca, Quezon

Psychology and Education: A Multidisciplinary Journal 2025 41(10) 1155-1168

Authors: Julianna Marie Vital , Maria Celerina Oreta , Melchor Espiritu , Rafael Ramos , Sara Jane Elaine Ramos

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