Financial Literacy and Entrepreneurial Attitude of Non-Teaching Personnel in Relation to Job Performance: Basis for Intervention

The complexity of financial products and rising debt pose challenges for non-teaching personnel in educational institutions. Understanding how financial literacy and entrepreneurial attitudes affect their financial management and job performance is essential. This study examines the relationship between financial literacy, entrepreneurial attitude, and job performance among non-teaching personnel in selected public secondary schools in Negros Occidental. Using a descriptive-correlational research design, the study assessed the financial knowledge, behavior, attitudes, and training of the respondents, as well as their entrepreneurial mindset in terms of achievement, autonomy, creativity, risk-taking, and determination. A total of 135 non-teaching personnel participated in the study, providing quantitative data through standardized surveys and qualitative insights through interviews. Findings revealed that non-teaching personnel demonstrated high levels of financial literacy and positive entrepreneurial attitudes. Financial knowledge was particularly strong, while entrepreneurial drive and determination were prominent among respondents. However, financial training and entrepreneurial autonomy showed room for improvement. Job performance was rated high across all respondents, indicating effective workplace contributions. Statistical analyses showed that financial literacy varied significantly by sex but not by age, marital status, job position, or tenure. Similarly, entrepreneurial attitude did not significantly differ across demographic factors. Moreover, correlation analysis indicated no significant relationship between financial literacy and job performance, nor between entrepreneurial attitude and job performance. Despite this, qualitative responses suggested that financial awareness and additional income streams contributed to reduced financial stress and improved focus at work. The study recommends that educational institutions implement financial literacy and entrepreneurial training programs to enhance employees’ financial decision-making skills. Future research should explore additional variables, such as financial stress and work motivation, to further understand their impact on job performance.