Southwestern University PHINMA

Villa Aznar Road, Cebu City

Cebu City, 6000

Dear Respondents,

We are Grade 12 ABM students conducting a survey about the the Personal Finance of
Small Business Entrepreneurs in Larsian Hideout Grill, Urgello Street Cebu, City in partial
fulfillment of Practical Research. This is an academic requirement for us to pass this first
semester. Please spare a few minutes of your time to this survey questionnaire. No one other
than the researchers will know your individual responses for this information will remain
confidential.

Thank You.

THE RESEARCHERS

WAIVER

I, _____________________________ have read the letter and voluntarily agree to be part of

this research study. In view of this, I will allow the researchers to have access in my financial
performance of my business.

___________________________ _____________________

Signature Over Printed Name Date

Survey Questions

Respondents Profile

Please affix check, mark on applicable item (Butangig markang tsek ang imong tubag)

1.1 Age (Edad)

18-25 26-36 37-50 Above 51
1.2 Gender (Kinatawhan)
Female (Babae) Male (Lalake)
1.3 Civil Status (Sibil Estado)
Single (Ulitawo/Daga) Married (Minyo)
Separated (Bula) Widowed/Widower (Biyudo/Biyuda)
1.4 Number of dependent children (Pila kabouk ang anak nga nagsalig nimo)
1-3 4-5 6- 6-8 9-10 None
1.5 Number of children enrolled in school (Pila kabouk ang anak nga nag iskuyla)
1-3 4-5 6-8 9-10 None
1.6 Educational Attainment (Pag-iskuylang Natapos)
Elementary Level Elementary Graduate
Highschool Level Highschool Graduate
College Level College graduate
1.7 Monthly Income (Binuwang Kita)
P1,000- P5,000 P5,001- P15,000 Above P50, 000
P15,001- 30,000 P30,001- P50,000

Personal Finance Application of the Respondents

Please affix check, mark on applicable item (Butangig markang tsek ang imong tubag)

2.1 Asset Acquisition (Aduna kabay Panag-iyang Kabtangan)

Yes (Oo, naa) None (Wala)

If yes, what are these? (Kuna aduna, unsa man ang mga kini?)
Land/s (Yuta) House and Lot (Balay ug Yuta)
Buildings (Bilding) Private Car/s (Pribadong Sakyanan)
Cash on bank (Kwarta nga naa sa banko)
 Jewelries (Mga Alahas) Fixture and Furniture (Gamit sa balay)

Cellular phones, gadgets, and personal computer

2.2 Liabilities (Utang)

2.2.1 Do you have liabilities? (Aduna kabay utang?)
Yes (Oo, naa) None (Wala)
2.2.2 If the answer to the above is Yes, where do you borrow the money?
(Kung ang tubag nimo kay Oo, naa, asa ka man mang ulos?)
Bank (Bangko) Lending Company (Lending)
Informal Lenders (5 6/ Turko) Friends (Higala)
2.2.3 If you are experiencing shortcomings, how do you handle on it? (Kung
ikaw maka sinati ug kalisod sa kwarta, unsa may imong buhtaon aron
maka lingkawas?)
I will borrow money from a friend (Mang- ulos ko sakong mga higala)
I will borrow money on a bank (Mang-ulos ko niini sa bangko)
I wont borrow money but I will minimize my expenses (Dili ako mang-
ulos ug kwarta pero akong minusan ang akong mga gastuson)
Others, specify (Kung uban, hinganli): ___________
2.2.4 How much is your approximate total liabilities? (Kung bana-banaon, pila
man ang imong utang?) ______________

P1,000- P5,000 P5,001- P15,000 Above P50, 000

P15,001- 30,000 P30,001- P50,000

2.2.5 How do you pay for it? (Unsaon mani nimo pagbayad)
Daily (Inadlaw) Weekly (Sinimana) Others:______________
Monthly (Binuwan) Annually (Tinuig)

2.3 Savings (Tinigom)

2.3.1 Do you save money? (Mag tigom ka bag kwarta?)
Yes (Oo) No (Dili)
2.3.2 How do you invest your savings? (Asa man nimo ibutang/igahin ang
imong mga tinigom?)
Savings account (Deposito sa Bangko) Property (Katigayunan)
 Private Pension (Pensyon)
Others, please specify (Kung uban, hinganli): ___________
If No (Kung walay tinigom):
Not enough income (Dili kasigo ang income)
Too many expenses (Daghan ug gastoanan)
2.3.3 How much do you invest in these savings annually? (Sa matag- buwan,
pila man ang imong magahin aning tigoma?)
P1,000- P5,000 P5,001- P15,000 Above P50, 000
P15,001- 30,000 P30,001- P50,000

2.4 Expenses (Gastoanan)

Do you record following expenses you have? (Aduna kabay mga gastoanan?)
Yes (Oo, naa) None (Wala)
If yes, what are these? (Kung aduna, unsa man ang mga kini?)
Food (Pagkaon)
Clothing (Mga sanina)
House Rental (Abang sa balay)
Tuition Fee (Twisyon sa skwelahan)
Utilities/ Bills (Bayranan sama sa tubig, suga, ug uban pa)
Groceries (Groseri)
Dining Out (Pagkaon sa gawas)
Entertainment (Lingaw-lingaw)
Childrens Allowances (Baon sa mga bata)
Automobiles Fuel and Maintenance (Gasolina sa sakyanan ug
mintinans niani)
Medical Expenses (Gastoanan sa medical)
Transportation (i.e. jeepney fare) (Transportasyon)

2.5 Investments (Gahin sa kwarta)

2.5.1 Do you have an investments? (Aduna ka bay gi gahin sa imong kwarta?)
Yes (Oo, naa) None (Wala)
2.5.2 What is your most important objective? (Unsa ang imong katuyuan sa pag
gahin sa imong kwarta?)
Capital Preservation (Pagpatunhay sa capital)
To own a house (Para maka balay)
 Growth (Sa paglambo sa kwarta)
2.5.3 When contemplating your investments, do you think you have
information? (Sa paggahin sa imong kwarta, aduna bakay kaalam niini?)
Yes (Oo) None (Wala)
2.5.4 How much is the value of the investment? (Pila man ang balor sa imong
gahin sa kwarta?)
1,000- 50,000
50,001- 100,000
100,001- 150,000
Above 150,000 (Sobra 150,000)

Prioritized Personal Finance Application

What is your top most priority when it comes to personal financial practices? Rate 1 to 5, 5 is
the highest 1 is the lowest (Unsa man ang imong pinaka prayoridad sa pinansyal? Butangig 1

hangtud sa 5, 5 ang pinaka prayoridad, 1 ang dili nimo kayo prayoridad)

Personal Financial Practices

Asset Acquisition (Panag-iyang Kabtangan)

Liabilities (Utang)

Expenses (Gastoanan)

Investments (Gahin sa imong kwarta)

Savings (Tinigom)

Attitude towards Personal Financial Planning

Strongly Agree Uncertain Agree Strongly

Disagree Agree

1. I know what personal financial

planning is (Kahibalo ko unsa
na ang Pagplano sa Kwarta/
 Income)
2. I set personal financial goals
and objectives (Naga badyet
ako sakong kwarta ug mga
gastuanana)
3. I gather relevant data and
analyze current financial
position before making a
financial decision (Akong
hibawon and mga
inpormasyon una ko mag
desisyon sa pag gasto ug
badyet)
4. I implement a personal
financial plan with the help of
experts (Sa dili pako mo
implementar ug plano kabahin
sa personal nga pinansyal,
mangayo akog tabang sa
mga eksperto niini)
5. I review the personal financial
plan regularly to take into
account changing needs and
circumstances (Akong tun-an
ang plano nakong pinansyal
adlaw-adlaw aron ma andam
nako ang dili matagna na
panghitabo)
6. I spend my money very
carefully (Ako mabinantayon
sa paggasto sakong kwarta)
7. I budget my money very well
(Akong tarungon ug pag
badyet ang akong kwarta)
8. Money is a symbol of success
(Ang kwarta kay simbolo sa
kalampusan)
9. Money represents ones
achievement (Ang kwarta mo
representar sa ka kadaugan)
10. I pay off the full outstanding
amount on accounts and bills
every month (Hutdon nako ug
bayad ang mga bayronon
kada buwan)
11. I pay all accounts and bills on
time each month (Bayran
nako ang mga bayranan sa
saktong oras kada buwan)
12. I am skilled at managing daily
expenses (May abilidad ko sa
pag atiman sa mga adlaw-
adlawng gasto-anan)
13. I am skilled at managing debt
or credit (May abilidad ko sa
pag atiman sa mga utang)
14. I am skilled at managing
finances provided for future
needs (Maabilidad ko sa pag
atiman sa kwarta para sa
kaugmaong panginahanglan)
15. I know what personal financial
planning is (Kahibalo ko unsa
na ang Pagplano sa Kwarta/
Income)
16. I set personal financial goals
and objectives (Naga badyet
ako sakong kwarta ug mga
 gastuanana)
17. Investing is becoming more
important nowadays (Ang pag
invest kay anam-anam nagka
importante karon)

18. Investment is the commitment

of funds to achieve long- term
goals or objectives (Ang
tumong sa pag invest sakong
kwarta para ma kab-ot ang
mga katuyuan ug pangandoy)

19. Investment is the long- term

financial success
(Kalampusan na ang pag-
invest ug may siguridad na sa
kaugmaon)

20. 20. I am proud of my

investment and let my friends
know them (Mapasigarbohon
ko sa akong mga investment
ug pahibaw-on nako akong
mga kaila)

21. I believe that a persons

investment is revealing in
assessing their ability (Salig
ko nga ang investment ang
magpakita sa abilidad sa usa
ka tao)