Personal Finance Management Practices among Personnel of a State University in Ifugao

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{"abstract":"Personal finance management is becoming increasingly important. This is due to the fact that financial decisions are among the most important life-altering decisions that everyone makes. Hence, the purpose of this study is to determine the personal money management practices of personnel at a state university in Ifugao. Employing a descriptive survey, the participants of the study were teaching and non-teaching personnel of a state university in the province of Ifugao. Based on the findings of the study, the teaching and non-teaching personnel at a state university in Ifugao often practiced personal financial management practices in the aspect of budgeting, saving, spending, investing, and debt management servicing. Thus, there is no significant difference in the personal finance management practices between the teaching and non-teaching personnel at a state university in Ifugao in the in the aspect of budgeting, saving, investing and debt management servicing. However, there is significant difference between the teaching and non-teaching personnel in the aspect of spending. Moreover, the teaching and non-teaching personnel encountered serious problems on personal finance management practices such as insufficient money until next pay, lack of additional source of income, unable to save money, inability to make payment on time, no prepared budget plan and poor money management. This indicates that state university personnel are associated with the issues on overspending, over borrowing and over debt that may cause financial glitches and struggles on them.","abstract_source":"original","authors":["Marlon Jan Garcia","Peter Paul Cagatao"],"date":"2023-08-31","doi":"10.5281/zenodo.8303292","id":1902,"issue":10,"journal":{"issn":"2822-4353","name":"Psychology and Education: A Multidisciplinary Journal"},"pdf_sha256":"befce4c638b3a4c1d82e9b9ef1099cbe76172ea51b195f04dad360b0d6703673","schema":"scimatic-article/1","title":"Personal Finance Management Practices among Personnel of a State University in Ifugao","volume":12}

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printf '%s' "$(curl -s https://scimatic.org/nft/articles/1902.json | jq -r .canonical_record)" | sha256sum

2. The hash stored on chain (contentHash(1902)):

curl -s https://rpc.scimatic.net -H 'content-type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"eth_call","params":[{"to":"0x0E596B4bb924937aA35D9b342A90347ed6F05eF8","data":"0xf3e0c290000000000000000000000000000000000000000000000000000000000000076e"},"latest"]}'

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