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Research Article

Financial Literacy, Behavior, And Well-Being Among Young Women Professionals

737 reads
Arthuro Pedregosa , Paulette Trixie Morata , Jethro Arais , Junar Antoy , Cerwyn Ryan John Castro , Juliena Mangompig , Kleven Jake Villamor
Psych Educ Multidisc J, 2025, 37 (3), 304-312, DOI: https://doi.org/10.70838/pemj.370310, ISSN 2822-4353
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Abstract

A spike in inflation makes it difficult for many to afford even necessities. Especially for women who have higher incidences of experiencing financial stress, financial well-being is an integral element for overall satisfaction. This study examines the impact of financial literacy and financial behavior on the financial well-being of young women professionals in Cotabato Province. Using a quantitative-descriptive correlational research design, data were collected through adapted survey questionnaires from 100 young women working as public-school teachers in the Cotabato Province. While financial literacy and financial behavior correlate with financial well-being, only financial literacy has a direct influence. The study demonstrates how financial literacy fosters positive attitudes and responsible practices, enabling young women to manage finances, reduce stress, and achieve financial security, aligning with the Theory of Planned Behavior (TPB). Moreover, the findings emphasize the need for targeted financial education and behavior-change programs to support young women in building sustainable financial futures. By addressing a gap in research on financial well-being among young women in rural public schools, this study contributes valuable insights to financial literacy and policy development in ensuring financial security.

Keywords theory of planned behavior financial literacy Financial Behavior financial well-being young women professionals
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The team behind this paper

7 authors, 1 institution.

This paper Southern Baptist College — Philippines Southern Baptist College 7 authors Arthuro Pedregosa — corresponding author AP Arthuro Pedregosa ✉ Paulette Trixie Morata PM Paulette Trixie Morata Jethro Arais JA Jethro Arais Junar Antoy JA Junar Antoy Cerwyn Ryan John Castro CC Cerwyn Ryan John Castro Juliena Mangompig JM Juliena Mangompig Kleven Jake Villamor KV Kleven Jake Villamor

Readership

737 reads over 18 months.

May 2025 October 2026

Related work on SciMatic

Closest of 33 articles sharing keywords with this one. A rarer shared keyword counts for more than a common one.

On SciChain

This article is token #5155 of SciMatic Articles (ERC-1155): 1,000,000 tokens, minted once, never more. The chain also stores a fingerprint (SHA-256) of the article's record, so anyone can check that it has not been altered.

HolderWalletTokens
SciMatic 0xc35709…277732 100,000 (10%)
Arthuro Pedregosa 0x9F51F8…05C75e 128,574 (12.86%)
Paulette Trixie Morata 0x9b10F0…718F55 128,571 (12.86%)
Jethro Arais 0xDDC027…20a256 128,571 (12.86%)
Junar Antoy 0x8ED344…d6ee2B 128,571 (12.86%)
Cerwyn Ryan John Castro 0x4Dd27D…5B37c5 128,571 (12.86%)
Juliena Mangompig 0xd80f20…6b36da 128,571 (12.86%)
Kleven Jake Villamor 0x02D0b8…0cE7eB 128,571 (12.86%)
Content hash 0xabb284e57116282ca32c6eb7e90faa2cbabad8ac8764b70a3749f2a77ef39506
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Bibliographic Information

Arthuro Pedregosa, Paulette Trixie Morata, Jethro Arais, Junar Antoy, Cerwyn Ryan John Castro, Juliena Mangompig, Kleven Jake Villamor, (2025). Financial Literacy, Behavior, And Well-Being Among Young Women Professionals, Psychology and Education: A Multidisciplinary Journal, 37(3): 304-312
Bibtex Citation
@article{arthuro_pedregosa2025pemj,
author = {Arthuro Pedregosa and Paulette Trixie Morata and Jethro Arais and Junar Antoy and Cerwyn Ryan John Castro and Juliena Mangompig and Kleven Jake Villamor},
title = {Financial Literacy, Behavior, And Well-Being Among Young Women Professionals},
journal = {Psychology and Education: A Multidisciplinary Journal},
year = {2025},
volume = {37},
number = {3},
pages = {304-312},
doi = {10.70838/pemj.370310},
url = {https://scimatic.org/show_manuscript/5155}
}
APA Citation
Pedregosa, A., Morata, P.T., Arais, J., Antoy, J., Castro, C.R.J., Mangompig, J., Villamor, K.J., (2025). Financial Literacy, Behavior, And Well-Being Among Young Women Professionals. Psychology and Education: A Multidisciplinary Journal, 37(3), 304-312. https://doi.org/10.70838/pemj.370310

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