Datamex College of Saint Adeline Inc.

A thesis presented to
Senior High School Faculty
DATAMEX COLLEGE OF SAINT ADELINE INC. FAIRVIEW

In Partial Fulfillment of the

Requirement for the course
ACCOUNTANCY, BUSINESS AND MANAGEMENT

By:
Delos Puyos, Jeizhel Anne
Adame,, Arbie Jay
Badan, Prince Nathaniel
Banguilig, Whillyn
Beraya, Chunyine
Carreon, Princess Klein
Esparza, Dianezhell
Mercado, John Louie
Sabela, Jaymarly Joy
Sampaga, Angel Mars

January 2025
 Datamex College of Saint Adeline Inc.

CHAPTER I

THE PROBLEM AND ITS BACKGROUND

This chapter contains the introduction, the statement of the problem,

significance of the study, conceptual framework, theoretical frameworks,

hypothesis, scope and delimitation of the study, and definition of terms.

Introduction

Education is widely recognized as an important step of personal and

societal progress. However, the pursuit of academic excellence is often hold

back by socioeconomic disparities, particularly financial instability. This

challenge affects students during pivotal academic stages, such as Senior

High School students, where the pressure to succeed academically intersects

with the financial realities of their families. The impact extends beyond

material resources; financial limitations restrict participation in

extracurricular activities and enrichment programs that can significantly

enhance academic performance. The researchers aim to classify and

investigate the varied impact of financial instability on the academic

performance of Senior High School Students at Datamex College of Saint

Adeline, their coping strategies and broader implications for their academic

and personal development.

 Datamex College of Saint Adeline Inc.

Brew et al. (2021) research reveals that factors beyond classroom

instruction significantly influence senior high school academic

performance. These include attendance, parental socioeconomic status,

resource access, nutrition, and teacher quality. Maureen et al.'s (2019) study

on the negative impact of financial instability on college students is highly

relevant. The financial stressors—anxiety, reduced study time due to work,

decreased learning commitment, and lack of savings—equally affect senior

high schoolers. Many juggle jobs and studies, lacking resources to handle

unexpected expenses. Applying this to Datamex College of Saint Adeline,

we see that financial instability among senior high school students likely

negatively impacts their academic performance. Students facing financial

hardship may experience increased stress, reduced study time, and

decreased engagement in learning, mirroring the findings of Maureen et al.

(2019). Addressing this requires a holistic approach, supporting students

with financial aid, resource provision, and possibly mentoring programs to

mitigate the negative effects of financial instability and improve academic

outcomes.
 Datamex College of Saint Adeline Inc.

A recent study by the Philippine Institute for Development Studies

(2022) financial constraints are a major barrier to Technical and Vocational

Education and Training (TVET) for Filipino youth, mirroring the impact of

financial instability on senior high school students' academic performance,

as shown in a 2022 PIDS study where 48% of NEET youth cited lack of

funds as the primary reason for not pursuing TVET. According to Mendez

(2015) low financial literacy among Filipinos, ranking near the bottom in

ASEAN, as also stated by Pagaduan (2020), significantly impacts financial

attitudes and habits, as demonstrated by a study of Baliuag University

business students showing a strong correlation between moderate financial

literacy and positive financial attitudes. This underscores the need for

increased financial literacy education in schools.

The goal of this study is to analyze the financial instability affecting

senior high school students at Datamex Saint Adeline College. This

investigation will explore the relationship between financial limitations and

various academic factors, including student motivation, access to

educational resources, and overall academic performance. The study aims

to understand how these financial challenges influence educational

outcomes and the degree of inclusivity within the school environment.

Ultimately, the objective is to identify strategies and interventions that can

 Datamex College of Saint Adeline Inc.

help improve the academic performance of students who are facing financial

instability.

This study aims to examine and identify how financial stress affects

students' motivation, attendance, access to resources, and overall academic

performance. The research seeks to highlight the challenges faced by

students, particularly those from low-income backgrounds, and provide

insights that can guide strategies to support them. By addressing these

issues, the study aims to promote a more equitable and supportive

educational environment.
 Datamex College of Saint Adeline Inc.

Statement of the Problem

The purpose of the study is to identify the impact of financial

instability on the academic performance of Senior High School students.

Specifically, seek to answer the following questions:

1. What is the Demographic profile of respondents in terms of:

1.1 name; (Optional)

1.2 age;

1.3 grade level and strand; and

1.4 monthly allowance?

2. What are the impact of financial instability on the academic performance

in terms of:

2.1 attendance;

2.2 project;

2.3 participants;

2.4 academic focus; and

2.5 motivation?
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3. Is there a significant relationship between financial instability and the

academic performance of Senior High School students?

4. What recommendation can be derived from the insights gained from the

findings of the study?

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Significance of the Study

This study focused on examining the impact of financial instability on the

academic performance of senior high school students at Datamex College of Saint

Adeline. It aims to explore how financial instability impacts students’ overall

academic performance. The findings of this study will be beneficial to the

following:

Students. Senior High school students at Datamex College of Saint Adeline. This

study enables them to Comprehend the impact of financial instability on their

academic performance and Identify avenues for improvement or support.

Educators. This study equips teachers with information to develop targeted

interventions to assist Financially disadvantaged students.

Parents and Family Members. This study can benefit Parents and Family

members by becoming more aware of potential issues and taking preventive

methods, insights and support their children's education.

 Datamex College of Saint Adeline Inc.

School Administrators. This study provides school administrators with critical

insights into challenges faced by financially instable students, enabling them to

implement programs, allocate resources, and develop policies that supports

students' success.

School. The result of this study will provide information to the school regarding

the efficiency of current educational strategies, student performance, and areas

requiring improvement. It will help in identifying key factors that influence

academic achievement and well-being, enabling the development of targeted

interventions.

Policy-Makers. This study informs policies for equitable access to education

through examining how financial instability impacts academic performance.

Communities. This study informs non-government organizations and community

groups that can design effective programs based on studies. Communities can work

together to create environments that foster academic success despite financial

barriers, ultimately improving long-term educational outcomes.

 Datamex College of Saint Adeline Inc.

Future Researchers. This study serves as a foundation for potential to conduct

and encourage future researchers in the field. It provides foundational

understanding that helps future researchers explore more studies. Moreover, this

study might uncover gaps in existing learning. Ultimately, this study paves the way

for further expanding knowledge and progressing research in the field.

 Datamex College of Saint Adeline Inc.

Conceptual Framework

Figure 1. Conceptual Framework

The input frame consists of several key components: the demographic profile

of respondents, their level of academic skills, and factors that affect their academic

performance.
 Datamex College of Saint Adeline Inc.

The research process involves gathering data through a structured survey

questionnaire. Researchers will distribute the questionnaire using both paper-based

and online Google Forms to ensure accessibility and wider participation.

The output of the study is a comprehensive analysis of the impact of financial

instability on the academic performance of senior high school students at Datamex

College of Saint Adeline. This research will provide insights into how financial

challenges affect overall academic performance of students.

Theoretical Framework

The concept of socioeconomic status (SES) and the achievement gap

further enriches our understanding. Financial instability is often strongly

correlated with lower SES, creating systemic barriers to educational success.

Students from financially unstable homes may lack access to crucial resources

like adequate nutrition, reliable internet access, or enriching extracurricular

activities, all of which contribute to academic disparities. This framework

emphasizes the need to address systemic inequalities to ensure equitable

educational opportunities for all students, regardless of their financial

circumstances.
 Datamex College of Saint Adeline Inc.

The socioeconomic status (SES) framework illuminates the connection

between financial instability and academic underperformance. Financial instability

frequently correlates with lower SES, resulting in unequal access to vital resources

like nutritious food, reliable internet, and enriching extracurricular activities. This

resource gap contributes to the achievement gap, disproportionately affecting

students from financially unstable homes who may struggle with concentration,

online learning, and holistic development. Addressing this requires implementing

strategies that promote equity, such as providing financial aid, ensuring resource

accessibility for all students, and developing targeted support programs to help

students overcome the academic challenges stemming from their financial

circumstances.

Hypothesis

Ho: There is no significant relationship to the financial instability and

academic performance of Senior High School Students at Datamex College

of Saint Adeline.
 Datamex College of Saint Adeline Inc.

Hi: There is significant relationship between financial instability and

academic performance of Senior High School Students at Datamex College

of Saint Adeline
 Datamex College of Saint Adeline Inc.

Scope and Delimitation of the Study

This study investigates the factors influencing the academic performance of

senior high school students at Datamex College of Saint Adeline during the 2024-

2025 academic year, focusing specifically on the impact of financial instability. The

research aims to identify both internal and external factors affecting academic

performance in this context and to examine the specific academic variables

influenced by financial instability. The study will utilize quantitative data gathered

through interviews and observations from a sample of 100 randomly selected

students.

This study is delimited to Datamex College of Saint Adeline and includes

only senior high school students as respondents. The sample size is limited to 100

students selected via paper-based and google forms. Data collection methods are

restricted to interviews and observations, excluding the perspectives of teachers or

other educators and excluding data from students at other institutions.

 Datamex College of Saint Adeline Inc.

Definition of Terms

To ensure clarity and comprehension, the terms utilized in this study are

defined both conceptually and operationally.

Academic Performance - Refers to a student's level of achievement in their

educational pursuits, typically measured through grades, test scores, class

participation, and other assessments. It reflects the extent to which a student meets

learning objectives and educational standards.

− In this study, Academic Performance serves as an outcome of senior high

school students' performance that focuses on how financial instability

causes stress and problems.

Equitable - Refers to the fair and impartial treatment among people with different

status.
 Datamex College of Saint Adeline Inc.

− In this study, Equitable refers to ensuring that senior high school students

have access to the same opportunities and treatment, often with an emphasis

on addressing disparities in financial instability.

Inclusivity - Refers to equality among people with different status.

− In this study, Inclusivity refers the practice or policy of including senior

high school students from diverse backgrounds, ensuring equal

participation, and creating an environment where all individuals feel valued

and accepted.

Instability - Refers to lack of stability; a state of being stable

− In this study, Instability refers to financial stress or problem that cause

distress and impact students’ studies and academic performance.

Socioeconomic Disparities - Refers to the difference of status and level of

treatment.

− In this study, Socioeconomic Disparities refers to differences in income,

wealth, education, and access to resources, of the senior high school

 Datamex College of Saint Adeline Inc.

students often resulting in unequal opportunities and outcomes between

different social or economic groups.

Mitigate - Refers to making less sever or harmful.

− In this study, Mitigate refers to make something less severe, harmful, or

intense to the senior high school students from Datamex College of Saint

Adeline to reduce or alleviate the impact of financial instability.