Professional Documents
Culture Documents
PFPL Stem 12 C Pangkat 1
PFPL Stem 12 C Pangkat 1
Ang kahirapan ay laganap sa ibat-ibang panig ng mundo, maraming dahilan kung bakit
ang tao ay nag hihirap sa kasalukuyan. Isa sa dahilan nito ang hindi wastong pag gamit ng
kanilang pera, kaya marapat na isama ng departamento ng edukasyon o DepEd sa curriculum
ang asignaturang makakatulong na mapalawig ang kaalaman sa buhay-pinansyal na kung saan
ang pag aaralan ang wastong pag gamit ng pera. Ang mga maaring dahilan ng hindi wastong
pag gamit ng pera ay maagang pag bubuntis, pangungutang at marami pang iba. Dahil sa
kakulangan ng kaalaman sa pag titipid, ang mga perang pinaghirapan ay nasasayang o hindi
nagagamit ng tama. Ang mga taong may kaalaman sa wastong pag gamit ng pera ay maaring
maiplano ang kanilang kinabukasan at mapapabuti ang pang kalahatang kapakanan ng
indibidwal at maging kanilang pamilya.
Sanggunian:
Mylenko, N. (2023, October 2). How good are Filipinos with their finances? World Bank Blogs.
https://blogs.worldbank.org/eastasiapacific/how-good-are-filipinos-with-their-finances
National Economic and Development Authority (2023). Financial literacy for Filipinos: understanding for
better living. https://nro13.neda.gov.ph/financial-literacy-for-filipinos-understanding-for-better-
living/
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge
and downstream behaviors. Journal of Financial Economics, 145(2), 255–272.
https://doi.org/10.1016/j.jfineco.2021.09.022
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
https://doi.org/10.1111/j.1745-6606.2010.01170.x
DepEd expands financial education in K to 12 to improve literacy of Filipinos | Department of Education.
(2021, July 8). https://www.deped.gov.ph/2021/07/08/deped-expands-financial-education-in-k-
to-12-to-improve-literacy-of-filipinos/
Why financial literacy should be taught in schools | Metrobank. (2023).
https://www.metrobank.com.ph/articles/learn/what-is-financial-literacy
Peña, K. D. (2023, March 1). Teenage pregnancies: P35B annual PH loss, other costs | Inquirer News.
INQUIRER.net. https://newsinfo.inquirer.net/1736395/teenage-pregnancies-p35b-annual-ph-
loss-other-costs
No teacher left behind: Toward improved Financial education. (n.d.).
https://serp-p.pids.gov.ph/publication/public/view?slug=no-teacher-left-behind-toward-improved-
financial-education
BusinessMirror. (2022, September 11). Empowering Filipinos through financial literacy | BusinessMirror.
https://businessmirror.com.ph/2022/09/12/financial-literacy-philippines/
Compassion International. (2020, March 3). Effects of poverty on children.
https://www.compassion.com/poverty/effects-of-poverty-on-children.htm#:~:text=They%20are
%20less%20likely%20to,exceedingly%20vulnerable%2C%20and%20constantly%20threatened
Money & Benefits | Ealing Directory. (n.d.).
https://www.ealingfamiliesdirectory.org.uk/kb5/ealing/directory/advice.page?
id=7Nw9rot5Pm4&localofferchannelnew=0
Melinda Verano Abichuela, Financial Literacy Among CSU Students, International Journal of
Management, 11(12), 2020, pp 2039-2044. http://iaeme.com/Home/issue/IJM?
Volume=11&Issue=12
Cravener, T. P. &. S. B. &. J. F. &. G. (2007). The impact of personal finance education delivered in high
school and college courses. Ideas.repec.org.
https://ideas.repec.org/a/kap/jfamec/v28y2007i2p265-284.html