Saint Marys University

SENIOR HIGH SCHOOL

ATTITUDES AND PROBLEMS OF SAINT MARYS UNIVERSITY SENIOR

HIGH SCHOOL STUDENTS TOWARDS SAVING

A Research Paper Presented to

The Senior High School Department

Saint Marys University

Bayombong, Nueva Vizcaya

In Partial Fulfillment

Of the Requirement for Practical Research 1

By:

Aquino, Hanes Dianne

Cristobal, Katrina

Diamsay, Kyla Jane

Francisco, Keith

Lanzuela, William Jr.

Palolan, Abygaile

March 2017

PRACTICAL RESEARCH 1 ABM A

 Saint Marys University
SENIOR HIGH SCHOOL

ACKNOWLEDGEMENT

Words are not enough to express the researchers' heartfelt gratitude to everyone

who gave their time and effort in making this study possible. We offer our deep and

sincere gratitude to:

First and foremost, we would like to thank our Heavenly Father for His

guidance, blessings, wisdom and strength that He had showed upon us to accomplished

this requirement.

Mr. Mark Dela Cruz Balonquita, our research adviser, for his valuable time,

care, genuine love and never ending support for us to fulfill this study, and for the

suggestions and recommendations for our oral defense.

Mr. Henry C. Navarro, our dearest principal, for accepting our request, to

conduct a survey to our fellow students.

Senior High School students, our fellow Marians, for actively participating and

cooperating to make this study possible.

Families and friends, for giving us strength, unending love and support to

accomplished this study.

PRACTICAL RESEARCH 1 ABM A

 Saint Marys University
SENIOR HIGH SCHOOL

DEDICATION

This simple piece of work is lovingly dedicated:

To our loving and ever supportive parents who filled us with motivation, encouragement,

support and guidance that helped us finish this study.

To our friends, who brought us inspiration, cheer and all out support.

To the whole Senior High School Department, who served as our second family.

To our fellow researchers, who served as our companion throughout the study and who

were there in times of inquiries.

To our research adviser, who gave motivation and who never failed to believe in our

capabilities.

And above all, to our Heavenly Father, the giver of everything, the greatest Author of

Life.

PRACTICAL RESEARCH 1 ABM A

 Saint Marys University
SENIOR HIGH SCHOOL

ABSTRACT

Saving is defined as an amount of something that is not spent or used. Attitudes is

defined as a feeling or way of thinking that affects a persons behavior. This study is not

just about attitudes being obtained or manifested towards saving but also the problems

being identified and encountered. Problem is defined as something that is difficult to deal

with and it is often a source of trouble. This study aims to determine the attitudes and

problems of Saint Marys University Senior High School students towards saving. This

study used descriptive method. Survey questionnaires were used to gather data from

random sample of senior high school students of Saint Marys University. The descriptive

data will now be used to analyze the result.

The result shows different attitudes and problems, respectively. Some of the

attitudes are resourcefulness, wise budgeting, and obsessive need to save. While some of

the problems are having not enough allowance, a lot of expenses, spending and budgeting

problems. Most of the respondents are tactful in saving wherein if they dont have enough

allowance to save, they wont sacrifice their health instead they will schedule their saving

when they have enough allowance to save and will strictly budget allowance. But, some

of the respondents will still sacrifice their health in not eating and will ask money from

their parents wherein they manifest one of the factors stated by Yamauchi et al.(1982),

the obsessive need to save. Furthermore, the study revealed how proper financial

management occur between students.

Keywords: Saving, Attitudes, Problems, Budgeting

PRACTICAL RESEARCH 1 ABM A

 Saint Marys University
SENIOR HIGH SCHOOL

TABLE OF CONTENTS

TITLE PAGE ...... i

AKNOWLEDGEMENT ii
DEDICATION iii
ABSTRACT ... iv
TABLE OF CONTENTS . v
CHAPTER I: THE PROBLEM AND BACKGROUND OF THE STUDY . 1
INTRODUCTION .. 1
STATEMENT OF THE PROBLEM .. 6

SIGNIFICANCE OF THE STUDY 7

SCOPE AND DELIMITATIONS.. 8

CONCEPTUAL FRAMEWORK 9

DEFINITION OF TERMS.. 9

CHAPTER II: METHODOLOGY.. 11

CHAPTER III: RESULTS AND DISCUSSION 16

CHAPTER IV: CONCLUSIONS AND RECOMMENDATIONS 26

BIBLIOGRAPHY 28

APPENDICES 30

DOCUMENTATIONS 41

PERSONAL INFORMATION 42

PRACTICAL RESEARCH 1 ABM A