AWARENESS, ATTITUDE & VULNERABILITY: TOWARDS

FINANCIAL FRAUD/SCAM

A Thesis

presented to the Faculty of the

COLLEGE OF ADVANCED EDUCATION

Ifugao State University

A Course Requirement for the Degree

MASTER OF SCIENCE IN CRIMINAL JUSTICE

with Specialization in Criminology

by

SEAN REY ZUÑEGA BONGAYON

MAY 2019
 APPROVAL SHEET

This thesis entitled “AWARENESS, ATTITUDE & VULNERABILITY:

TOWARDS FINANCIAL FRAUD/SCAM” prepared and submitted by SEAN REY
ZUÑEGA BONGAYON in partial fulfilment of the requirements for the degree
MASTER OF SCIENCE IN CRIMINAL JUSTICE with SPECIALIZATION IN
CRIMINOLOGY is hereby approved and accepted.

ANNIE A. TUMITIT, Ph.D.

Adviser
_______________

Approved by the Review Panel on JUNE 2019 with a grade of PASSED.

JANICE P. MILO, Ph.D. MICHELLE MABEL A. BAGTASO, Ph.D.

Panel Member Panel Member
____________ ____________

NAPOLEON K. TAGUILING, Ph.D.

Panel Chairperson
_____________

Approved and accepted in partial fulfilment of the requirements for the degree
MASTER OF SCIENCE IN CRIMINAL JUSTICE with SPECIALIZATION IN
CRIMINOLOGY.

JORDAN L. MARIANO, Ph.D. ROMMEL B. SUMEG-ANG, Ph.D.

Program Chairperson/Coordinator College Dean
_____________ ____________

IFSU-QMS-DOC-F017
Rev.00 (Feb. 04, 2019)

ii
 ACKNOWLEDGMENT

The researcher desires to recognize with sincere gratitude

and appreciation to all those who in any way or another contributed to

the completion of this study.

Ms. Mae P. Butic for her moral support and encouragement that

pressed the researcher to pursue this study;

Ms. Nefeteri C. Cabbigat for her invaluable assistance to the

completion of this study;

Dr. Annie A. Tumitit, researcher’s adviser, for her expertise and

important support in organizing, criticism and improving the study and

her boost of moral support that enabled the researcher to pursue this

research;

Dr. Mary P. Caclini, for being the statistician of this study;

Dr. Napoleon Taguiling, Dr. Janice P. Milo, and Dr. Michelle

Mabel A. Bagtaso, as the panellists for their constructive criticisms that

improved this research;

All of the members of the family, friends and relatives for their

financial and moral support in the completion of this study;

Above all, to Almighty God, for His wisdom and power He

provided during the conduct of the study.

S. Z. B.

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 DEDICATION

This study is sincerely dedicated to the residents especially the victims of

investment fraud in the municipality of Lagawe. They were the main reason for

the making and the completion of this research.

I also dedicate this study to our God Almighty and His Son Jesus Christ who

gave me the patience, strength, wisdom and comfort from beginning and to the

end of the completion of this study.

Lastly, I dedicate this work to my parents, brothers and sister who supported

me in the realization of this work. Thank You.

Sean Rey

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 ABSTRACT

Compose only 250 – 300 words that shall contain the main purpose / objective of
the study. Mention the methodology (descriptive, historical, ethnographic, etc),
the approach (qualitative or quantitative), and the data – gathering instrument
(self-constructed or adopted questionnaire, interview guide, etc) used. Briefly cite
the findings / conclusions of the study. Remember that this Abstract is best when
it is shorter as it is the common basis of other researchers in delving into your
study which may be related to your topic. Maintain one paragraph only.

Keywords: Main concept, another main concept/term, methodology, locale

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 CONTENTS

Page

TITLE PAGE ..................... i

APPROVAL SHEET ..................... ii

ACKNOWLEDGEMENT ..................... iii

DEDICATION ..................... v

ABSTRACT ..................... vi

CONTENTS ..................... vii

LIST OF TABLES ..................... ix

LIST OF FIGURES ..................... x

CHAPTER

1 INTRODUCTION

Conceptual Framework ..................... 16

Statement of the Problem . . . . . . . . . . . . . . . . . . . . . 24

Hypotheses ..................... 25

2 METHODOLOGY

Research Method ..................... 22

Research Environment ..................... 22

Respondents ..................... 22

Data Gathering Procedure . . . . . . . . . . . . . . . . . . . . . 22

Data Gathering Tool ..................... 22

Statistical Treatment ..................... 23

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 3 RESULTS AND DISCUSSIONS

Level of Efficiency ..................... 25

Factors ….. ..................... 30

Problems Encountered ..................... 40

4 CONCLUSIONS AND RECOMMENDATIONS

Conclusions ..................... 25

Recommendations ..................... 25

REFERENCES ..................... 24

APPENDICES

A Letter to Respondents ..................... 100

B Questionnaire ..................... 100

C Intervention Program ..................... 100

CURRICULUM VITAE ..................... 100

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 LIST OF TABLES

Table No. Table Title Page

1 Profile of Respondents ................. 28

2 Profile of Respondents ................. 28

viii
 LIST OF FIGURES

Figure No. Figure Title Page

1 Paradigm of the Study ................. 28

2 Map of.. ................. 30

3 Model framework ….. ................. 30

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