CHAPTER V

Summary of the Findings, Conclusions and Recommendation

This chapter is composed of three parts, namely: 1, Summary of Findings

methods and Findings 2. Conclusion and 3. Recommendations. Part One,

Summary of the Problems, Methods and Findings, provides the summary

of the problems, methodologies and findings of the study. Part two,

Conclusions, presents the generalization formulated based on the analysis

and interpretation of the results of the study.

Summary of the Problems, Methods and Findings

This quantitative – descriptive research study was conducted to determine

the peer pressure performance in the Level of Money Budgeting Behavior

and the Academic performance of Grade 11 students of Marciano M.

Patricio National High School in the school year of 2023 – 2024.

Specifically, this study sough to answer the following questions:

1. What is the socio – demographic profile of the respondents in terms of:

a. Age

b. Sex

c. Strand

d. Monthly Family Income

2. What is the level of money budgeting behavior of the respondents?

3. What is the level of academic performance of the respondents?

4. Is there a significant difference on the level of money budgeting

behavior of the respondents when grouped according to age, sex, strand,

monthly family income?

5. Is there a significant relationship between money budgeting behavior

and academic performance among the respondents?

Therefore, null hypotheses

Therefore, null hypotheses

1. The level of money budgeting behavior and academic

performance of the respondents as a whole has no significant

difference between groups and within groups. When it comes to

demographic profile there is a significant difference in terms of

sex and monthly family income. When it comes to strand and age

there is no significant difference as stated in chapter IV.

2. There is a significant relationship between the level money

budgeting behavior on the academic performance of grade 11

Students of Marciano M. Patricio National High School.

For this study, the institutional population consists of Grade 11 students at

Marciano M. Patricio National High School. The Grade 11 has 6 strands

that include Accountancy, Business and Management (ABM), Humanities

and Social Sciences Strand (HUMSS), and the Science, Technology,

Engineering, and Mathematics Strand (STEM), Technical Vocational

Livelihood-Agri-Fishery Arts (AFA), Home Economics (HE), and Information

and Communication Technology (ICT). The total number of Grade 11

students is 292. Using Cochran’s formula, the sample population is 167 for

equal distribution of the sample, 21 sample size came from the Grade 11,

(HUMSS A, B, and C),( ABM), (TVL-ICT),( TVL-HE), (TVL-AFA) and 20 sample

size came from the Grade 11 (STEM).

To gather data, the researcher made a 30 items survey questionnaire was

subjected to a validity test and was then employed.

The independent variable of the study was the demographic profile of the

respondents which consisted of age, sex, strand and monthly Family

income. The dependent variables on the other hand were the level money

budgeting behavior and the academic performance in the first semester.

The statistical tools used in the study were the mean, standard deviation

percentage and frequency.

Based on the result, the major findings of the study were:

1. The respondents demographic profile included age showing that the

frequency of students aging from 15 – 17 is one hundred fifty - five (155),

having a percentage of ninety-two-point eight (92.8) percent, and a

frequency of twelve (12) students aging from 18 - above, having a

percentage of seven point two (7.2). the distribution of respondents in

terms of sex, showing that the frequency of male respondents is sixty-six

(66), which is thirty-nine-point five (39.5) percent, and a frequency of one

hundred one (101) female respondent, having a percentage of sixty point

five 60.5) of the total respondents. the distribution of Respondents in

terms of SHS Strand, showing that twenty (20) of the respondents is

coming from the HUMSSA, twenty - one (21) coming from the HUMSSB,
 twenty - one (21) coming from the HUMSSC, and twenty (20) coming from

the STEM then twenty - one (21) coming from the ABM and twenty - one

(21) coming from the TVL – ICT, twenty - one (21) coming from the TVL -

AFA. A total of one hundred and sixty - seven (167) sample size. On terms

of family income that ninety (90) of the total respondents is having a

5,000-family income, forty- nine (49) respondents having a 5,000-10,000

income, thirteen of the respondents have a monthly income of 10,001 –

15,000 with the percentage of seven point eight (7.8) and fifteen (15)

respondents having a 15,000 and above monthly family income.

2. The money budgeting behavior of the respondents is “low”.

3. The level of academic performance of the respondents was rated as

“very low”

4. The money budgeting behavior of the respondents is “low”.

5. The level of money budgeting behavior and academic performance

of the respondents as a whole has no significant difference between

groups and within groups. When it comes to demographic profile

there is a significant difference in terms of sex and family income.

When it comes to strand and age there is no significant difference

as stated in chapter IV.

6. There is a significant relationship between the level money

budgeting behavior on the academic performance of grade 11

Students of Marciano M. Patricio National High School.

Conclusion
In the view of the aforementioned findings, the following conclusions were

drawn.

1. The result of the study concluded that money budgeting behavior of

the respondents was describe as “low”.

2. The result of the study concluded that the academic performance of

Grade 11 students was describe as “very low”.

3. There is a significant difference between the budgeting behavior of

the respondents to their gender. The female participants were

better budgeters than their male counterparts and they were able to

save more. And also, there is a significant relationship when it

comes to their family income. It seems that the budgeting of the

respondents relies on their parents’ income.

4. Small or large amount of money affect the budgeting behavior of

the respondents as well as their academic performance.

Recommendations

Based on the findings and conclusions, the following were

recommended:

1. The researchers would like to recommend to future researchers

to expand more in other strands or extend this study in college

students since they only focused in one strand.

2. For students, maintaining the level of money budgeting behavior

money is recommended. Also, engaging in conversations about

money with parents, professionals, and fellow students will

improve financial literacy and budgeting skills.

3. Comparing and analyzing more profile, such as age and financial

literacy, to the budgeting behavior may improve the research.

4. Parents and teachers are recommended to communicate with

their children/students about money management to further

widen their financial literacy and enhance their budgeting skills.

Involving them in a series of activities to practice budgeting will

greatly benefit the students as well as sharing with them the

family budget.