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Title: :  TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE
PaperId: :  26860
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 3 2025
DUI:    16.0415/IJARIIE-26860
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
RICKY T. TAMAYONorth Eastern Mindanao State University (NEMSU)
Donald L. MontenegroNorth Eastern Mindanao State University (NEMSU)

Abstract

MASTER OF BUSINESS ADMINISTRATION
RICKY T. TAMZ,,1234
Title: TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE Author: RICKY T. TAMAYO Cooperatives are key drivers of inclusive economic growth and social well-being, emphasizing collective benefit over profit. In the Philippines, their financial sustainability is increasingly challenged by volatile economic conditions, outdated systems, client-relationship issues, regulatory complexities, and evolving market dynamics. This study explores the financial management challenges faced by cooperatives under R.A. 9520 and their implications for resilience and long-term viability. Findings show that while 83% of cooperatives are highly capitalized and 85% have operated for over a decade, they face moderate yet ongoing challenges, particularly during economic downturns. Portfolio Quality is most affected due to loan defaults and weak credit evaluation practices. Despite these, cooperatives exhibit strong mitigation efforts through credit monitoring, financial literacy programs, and adaptive risk planning. The study recommends further investments in governance, innovation, and member education—especially in strengthening credit systems and adopting digital tools—to ensure sustainability. Keywords: Cooperatives, Financial Management, Economic Challenges, Portfolio Quality, Credit Risk.

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IJARIIE RICKY T. TAMAYO, and Donald L. Montenegro. "TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 3 2025 Page 3168-3180
MLA RICKY T. TAMAYO, and Donald L. Montenegro. "TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE." International Journal Of Advance Research And Innovative Ideas In Education 11.3(2025) : 3168-3180.
APA RICKY T. TAMAYO, & Donald L. Montenegro. (2025). TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE. International Journal Of Advance Research And Innovative Ideas In Education, 11(3), 3168-3180.
Chicago RICKY T. TAMAYO, and Donald L. Montenegro. "TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 3 (2025) : 3168-3180.
Oxford RICKY T. TAMAYO, and Donald L. Montenegro. 'TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, 2025, p. 3168-3180. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/TACKLING_FINANCIAL_MANAGEMENT_CHALLENGES_TO_BUILD__A_RESILIENT_FUTURE_ijariie26860.pdf (Accessed : ).
Harvard RICKY T. TAMAYO, and Donald L. Montenegro. (2025) 'TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE', International Journal Of Advance Research And Innovative Ideas In Education, 11(3), pp. 3168-3180IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/TACKLING_FINANCIAL_MANAGEMENT_CHALLENGES_TO_BUILD__A_RESILIENT_FUTURE_ijariie26860.pdf (Accessed : )
IEEE RICKY T. TAMAYO, and Donald L. Montenegro, "TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, pp. 3168-3180, May-Jun 2025. [Online]. Available: http://ijariie.com/AdminUploadPdf/TACKLING_FINANCIAL_MANAGEMENT_CHALLENGES_TO_BUILD__A_RESILIENT_FUTURE_ijariie26860.pdf [Accessed : ].
Turabian RICKY T. TAMAYO, and Donald L. Montenegro. "TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 3 ().
Vancouver RICKY T. TAMAYO, and Donald L. Montenegro. TACKLING FINANCIAL MANAGEMENT CHALLENGES TO BUILD A RESILIENT FUTURE. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : ]; 11(3) : 3168-3180. Available from: http://ijariie.com/AdminUploadPdf/TACKLING_FINANCIAL_MANAGEMENT_CHALLENGES_TO_BUILD__A_RESILIENT_FUTURE_ijariie26860.pdf
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