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The Problem and The Background
The Problem and The Background
INTRODUCTION
The outbreak of corona virus diseases (COVID-19) has been substantially influencing the life and
living of people across the world, especially after the declaration of a global pandemic by the
World Health Organization in the second week of March 2020. One of the most affected
individual are the students. They have been introduce to new learning modalities unready, which
are the module and internet learning. The ongoing COVID-19 pandemic is creating a psycho-
emotional chaotic situation as countries have been reporting a sharp rise of mental health
problems, including anxiety, depression, stress, sleep disorder as well as fear, among its citizens.
Student wellness is an important topic on college campuses nationwide as higher education and
student life administrators are becoming increasingly concerned with stress among students.
(journal of financial therapy,volume 5,issue 1(2014). this stress affect the academic performance
of the students.
research regarding sources of stress confirms the influential role that personal financial
problems play in the lives of college students. Financial difficulties are often cited among college
This unprecedented experience of ‘home quarantine’ under lockdown with the uncertainty of
academic and professional career has multifaceted impacts on the mental health of students.
financially stress students can't be able to think properly on their lesson as their mind focuses on
how they will get money in order to support their online study.
Academic performance of student is a plus in future job employment of the student thus this
financial stress brought by the COVID-19 pandemic affecting it. Financial stress cannot be
disregarded as it gives student lack of concentration in their schooling or worst these condition
This research study determine the effect of financial stress on online students’ academic
1. What is the profile of the 3rd year education student in terms of the following variable?
a. Age
b. Sex
d. Occupation of parent
-Math
-English
-Science
2. What are the attitude of online student about seeking help with issues related to financial
stress?
The causal mechanisms linking financial concerns to college outcomes are not fully understood.
Researchers have suggested that financial strain may reduce students’ motivation to complete
college (Cabrera et al., 1992; Nora et al., 2006) or deplete the cognitive resources students have
available to allocate to academic concerns (Northern, O’Brien, & Goetz, 2010),yet few studies
have specifically examined the associations between financial concerns and academic
performance.
Thus this study of the effect of financial stress on online students academic performance at
Cagayan State University- Lal-lo, would serve as basis for teachers for them to recommend to
the authorities or agencies in extending financial assistance to address the needs of the
students.
Similarly the findings may also serve as the baseline data for future researchers of the college of
teacher education in conducting the research studies in the future. In addition, this may help
teachers to understand and help students who is undergoing financial stress in their future
teaching.
The result of the study will be useful to the university administration in formulating policies and
guidelines regarding scholarship program for the student. The findings will inform the
Furthermore, the result of the research study would help the researchers to come up with more
effective techniques in dealing with the financial stress of student. Thus, this would also prove
them correct ways in determining strategies that suited to every group of student depending on
The following terms were defined to have clarity of understanding to the research:
Financial stress operationally refers to a condition that is the result of financial and/or economic
financial stress is defined by researchers as the inability to meet one’s economic responsibilities
and is influenced by attitudes, beliefs, and other psychological factors (Northern, O’Brien, &
Goetz, 2010).
Students who take most classes online, but who come to campus for a few
Students who take most of their classes on campus, but who regularly take one or two classes
online to make their schedules cleaner. Students who take “hybrid” classes (also called “brick and
click” or “surf and turf”) in which some of the regular class meetings are held (or replaced by
other activities) online. Students who take traditional classes that have fairly robust online
materials, and who have to work with/through our LMS in the course of what they’re doing.(matt
approach, Martinez (2007) states that academic performance is “the product given by the
students and it is usually expressed through school grades” (p. 34). Fifteen years ago, Pizarro
(1985) referred to academic performance as a measure of the indicative and responsive abilities
that express, in an estimated way, what a person has learned as a result of a process of education
or training.
Theoretical Framework
Many student are going through difficulties on their study during this online learning, where one
of the main reasons of this is lack of financial which forces them find extra jobs in order for them
According to a new study led by Harvard, Princeton and Warwick University scientists, financial
hardship may directly influence a person’s cognitive ability. Valentina Lee, Assistant Professor of
Psychology at FIU, studies stress and its effects. Lee refers to two different types of stress:
stressors and strains. Stressors are the conditions that require some sort of adaptation from the
individual and strains are the consequences of facing those stressors.“Financial stress is, like
many others, a significant stressor, not only among students but also working professionals. We
would expect it to have similar psychological, physical, and behavioral strains to that of many
other commonly studied stressors such as workload or conflict at work, ” said Lee in an email
statement.Lee refers to commonly experienced strains, such as depression, and affirms that any
form of stressor can have an impact on a person’s cognitive resources. She cites sleeplessness as
a common strain experienced among many as a stressor that can leave someone unable to
The assumed relationship between sources of fund and online student academic performance is
illustrated in the conceptual Paradigm. Taking cue from the proceeding discussion, the study
considers that student who do not have sources of incomes are viewed to have a lower
This theory serves as the framework that will support the present study since it also determine
The student profile variable such as age, sex, educational attainment of parents, occupation of
parents, grade point average(GWA) on three major subject (Math, English, and Science), attitude
of online student, and source of fund is perceived to influence the online students academic
performance.