Bridging the Financial Gap: A Stakeholder Analysis of the JAMA Financial Literacy Program

This qualitative case study evaluated the efficacy and multi-dimensional impact of the Junior Accountant and Managers Association (JAMA) Financial Literacy Program implemented at Masville National High School from 2024 to 2026. The program addressed the pedagogical gap between theoretical instruction and practical financial agency by equipping Grade 12 Accountancy, Business, and Management (ABM) students with formal banking experience via Cebuana Microsavings and micro-enterprise development. Simultaneously, the initiative engaged parents in advanced household financial management and investment orientations. Using a qualitative case study design, semi-structured interviews were conducted with ten purposively selected stakeholders, including the program’s resource speaker, students, and parents. Data were analyzed through thematic analysis to identify shifts in financial behaviors and the intergenerational transfer of knowledge. Findings revealed a significant "theory-to-practice" transition, where students evolved from passive learners into active financial practitioners with increased agency in managing savings and business cash flows. Furthermore, parents reported improved household budgeting and a strategic shift away from informal, high-risk saving habits toward diverse investment vehicles. The study concluded that the program's success was rooted in a "family-based" approach and institutional trust fostered through school-banking partnerships. These results demonstrate that integrating academic instruction with institutional support and parental involvement creates a sustainable ecosystem for financial resilience. Ultimately, this research provides a scalable blueprint for enhancing the Senior High School ABM curriculum through community-based financial interventions.