Age Frequency Percent

18-24 yrs old 14 6.1

25-30 yrs old 27 11.8
31-35 yrs old 44 19.2
36-40 yrs old 36 15.7
41-45 yrs old 41 17.9
46 yrs old and above 67 29.3
Total 229 100

Civil Status Frequency Percent

Single 88 38.4
Married 86 37.6
Widow 44 19.2
Separated 11 4.8
Total 229 100

No. of Children Frequency Percent

0-1 child 38 16.6
2-3 children 112 48.9
4 children and above 79 34.5
Total 229 100

Monthly Household expenses Frequency Percent

P4,000 and below 55 24
P4,001 - 9,000 88 38.4
P9,001 - 15,000 70 30.6
P15,001 and above 16 7
Total 229 100

No. of years as 4Ps Beneficiary Frequency Percent

Below 1 year 27 11.8
1-5 years 84 36.7
6-10 years 84 36.7
10 years and above 34 14.8
Total 229 100

Amount of Grant Frequency Percent

1,800 and below 8 3.5
1,801 - 3,500 126 55
3,501 - 5,200 94 41
5,200 - 6,900 1 0.4
Total 229 100
 5 4 3
Money Management SA A N
Frequency
1. I track where I spend the 4Ps grants 130 84 6
2. I have a clear understanding on budgeting the 4Ps grant. 113 88 18
3. I use especially designed mobile applications that can help me with
financing. 8 26 22
4. I divide our family expenses into two; current and onetime expenses. 52 106 31
5. I can limit my expenses with the 4Ps grant. 39 69 39
6. I allocate a budget for emergencies. 62 60 29
7. I allocate a budget for certain expenses. (Utilities, household expenses,
97 75 20
etc.)
8. I record my expenses 70 80 21
9. I read and apply the learnings about managing finances from the Family
Development Session of DSWD. 101 71 21
10. I do not rely my expenses merely on 4Ps Grant because of DSWD
24 17 16
livelihood assistance.
Overall We
Legend: 4.50-5.00 SA – “Strongly Agree", 3.50-4.49 A – “Agree", 2.50-3.49 N – “Neutral”, 1.50-2.49 D – “Disagree", 1.00-1.49 SD – “Strongly Disagree

5 4 3
Savings Management SA A N
Frequency
1. I assess my main priorities before making any purchases 156 66 5
2. I find ways to lessen my spending to save money. (like comparing
125 77 12
different products, discounts and buy one take one purchases)
3. I try to lower my utility bills to save money. 101 94 18
4. I have an ATM savings account to deposit my excess money. 21 42 15
5. I set aside the 4Ps grants for the education of my children. 157 58 11
6. In budgeting, I always allocate some portion to my savings. 53 80 25
7. I set personal financial goals. 59 92 26
8. I am still able to set funds for my personal expenses (wants) because of
19 57 30
4Ps grants.
9. I encourage my other family members to save their money. 130 58 20
10. I avoid any bad habit (like cigarettes or liquor) that contribute to my
spending enable to save money. 115 56 28
Overall We
Legend: 4.50-5.00 SA – “Strongly Agree", 3.50-4.49 A – “Agree", 2.50-3.49 N – “Neutral”, 1.50-2.49 D – “Disagree", 1.00-1.49 SD – “Strongly Disagree

5 4 3
Debt Management SA A N
Frequency
1. I only borrow money from credible lending institutions. 31 60 16
2. I look for best interest rates when applying for a loan. 30 63 21
3. I keep track of my debt and pay them in less time. 75 63 20
4. I pay more than what is due, to pay debt faster 26 65 35
5. I only obtain a loan that is within my limit. 114 67 15
6. I plan a repayment strategy to manage my debt. 60 107 24
7. I avoid pawning something that I own. 76 48 92
8. I created a list of all my debts for me not to miss any due date. 78 84 12
9. I have a clear understanding of how much debt I have. 128 69 13
10. I avoid taking on additional debt with the help 4Ps Grant. 92 73 25
Overall We
Legend: 4.50-5.00 SA – “Strongly Agree", 3.50-4.49 A – “Agree", 2.50-3.49 N – “Neutral”, 1.50-2.49 D – “Disagree", 1.00-1.49 SD – “Strongly Disagree
 2 1
Std. Weighted
D SD VI
Deviation Mean
Frequency
4 5 0.818 4.44 A
6 4 0.861 4.31 A
78 95 1.134 2.01 D
14 26 1.224 3.63 A
57 25 1.282 3.17 N
33 45 1.488 3.27 N
22 15 1.220 3.95 A
26 32 1.389 3.57 A
22 14 1.214 3.97 A

115 57 1.219 2.28 D

Overall Weighted Mean 3.46 N
, 1.00-1.49 SD – “Strongly Disagree”

2 1
Std. Weighted
D SD VI
Deviation Mean
Frequency
1 1 0.596 4.64 SA
9 6 0.939 4.34 A
13 3 0.908 4.21 A
71 80 1.361 2.36 D
1 2 0.685 4.60 SA
27 44 1.440 3.31 N
30 22 1.266 3.59 A
51 72 1.371 2.56 N
11 10 1.087 4.25 A
20 10 1.169 4.07 A
Overall Weighted Mean 3.79 A
, 1.00-1.49 SD – “Strongly Disagree”

2 1
Std. Weighted
D SD VI
Deviation Mean
Frequency
44 78 1.501 2.66 N
44 71 1.471 2.72 N
21 50 1.549 3.40 N
42 61 1.398 2.79 N
12 21 1.266 4.05 A
14 24 1.218 3.72 A
8 5 1.016 3.79 A
19 36 1.424 3.65 A
 12 7 1.006 4.31 A
13 26 1.320 3.84 A
Overall Weighted Mean 3.49 N
, 1.00-1.49 SD – “Strongly Disagree”
Financial Behavior Age Mean Std. Deviation
18-24 yrs old 3.800 0.495
25-30 yrs old 3.311 0.828
31-35 yrs old 3.386 0.693
Money Management
36-40 yrs old 3.511 0.789
41-45 yrs old 3.627 0.572
46 yrs old and above 3.370 0.668
18-24 yrs old 4.079 0.453
25-30 yrs old 3.707 0.629
Savings 31-35 yrs old 3.736 0.575
Management 36-40 yrs old 3.833 0.463
41-45 yrs old 3.888 0.514
46 yrs old and above 3.728 0.545
18-24 yrs old 3.764 0.710
25-30 yrs old 3.330 0.943
31-35 yrs old 3.257 1.059
Debt Management
36-40 yrs old 3.719 0.723
41-45 yrs old 3.668 0.667
46 yrs old and above 3.433 0.753

Financial Behavior Civil Status Mean Std. Deviation

Single 3.366 0.790
Married 3.394 0.657
Money Management
Widow 3.684 0.516
Separated 3.845 0.528
Single 3.767 0.562
Savings Married 3.719 0.548
Management Widow 3.914 0.473
Separated 4.118 0.454
Single 3.385 0.867
Married 3.435 0.869
Debt Management
Widow 3.670 0.665
Separated 4.127 0.578

Financial Behavior No. of Children Mean Std. Deviation

0-1 child 3.326 0.659
Money Management 2-3 children 3.418 0.679
4 children and above 3.586 0.723
0-1 child 3.695 0.538
Savings
2-3 children 3.720 0.571
Management
4 children and above 3.947 0.470
0-1 child 3.316 0.858
Debt Management 2-3 children 3.435 0.898
4 children and above 3.665 0.700

Financial Behavior Monthly Household expenses Mean Std. Deviation

 P4,000 and below 3.542 0.763
P4,001 - 9,000 3.455 0.679
Money Management
P9,001 - 15,000 3.440 0.686
P15,001 and above 3.306 0.601
P4,000 and below 3.782 0.644
Savings P4,001 - 9,000 3.813 0.470
Management P9,001 - 15,000 3.763 0.559
P15,001 and above 3.869 0.496
P4,000 and below 3.402 0.945
P4,001 - 9,000 3.593 0.825
Debt Management
P9,001 - 15,000 3.496 0.716
P15,001 and above 3.263 0.966

Financial BehaviorNo. of years as 4Ps Beneficiary Mean Std. Deviation

Below 1 year 3.237 0.771
1-5 years 3.717 0.673
Money Management
6-10 years 3.317 0.680
10 years and above 3.362 0.547
Below 1 year 3.707 0.514
Savings 1-5 years 3.962 0.505
Management 6-10 years 3.720 0.565
10 years and above 3.629 0.507
Below 1 year 3.033 0.965
1-5 years 3.788 0.775
Debt Management
6-10 years 3.483 0.754
10 years and above 3.162 0.797

Financial Behavior Amount of Grant Mean Std. Deviation

1,800 and below 3.575 0.663
1,801 - 3,500 3.345 0.675
Money Management
3,501 - 5,200 3.597 0.703
5,200 - 6,900 4.300 .
1,800 and below 3.938 0.400
Savings 1,801 - 3,500 3.691 0.561
Management 3,501 - 5,200 3.913 0.501
5,200 - 6,900 4.400 .
1,800 and below 3.125 1.219
1,801 - 3,500 3.301 0.858
Debt Management
3,501 - 5,200 3.777 0.677
5,200 - 6,900 4.300 .
F-value p-value Decision Remarks

Failed to Not
1.781 0.118
Reject Ho Significant

Failed to Not
1.505 0.189
Reject Ho Significant

Failed to Not
2.225 0.053
Reject Ho Significant

F-value p-value Decision Remarks

3.562 0.015 Reject Ho Significant

2.712 0.046 Reject Ho Significant

3.518 0.016 Reject Ho Significant

F-value p-value Decision Remarks

Failed to Not
2.231 0.110
Reject Ho Significant

4.999 0.008 Reject Ho Significant

Failed to Not
2.840 0.061
Reject Ho Significant

F-value p-value Decision Remarks

 Failed to Not
0.533 0.660
Reject Ho Significant

Failed to Not
0.220 0.883
Reject Ho Significant

Failed to Not
1.048 0.372
Reject Ho Significant

F-value p-value Decision Remarks

6.614 0.000 Reject Ho Significant

4.696 0.003 Reject Ho Significant

8.838 0.000 Reject Ho Significant

F-value p-value Decision Remarks

2.994 0.032 Reject Ho Significant

3.746 0.012 Reject Ho Significant

7.214 0.000 Reject Ho Significant