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Title: :  Literacy of Pag-IBIG Fund members on Provident Savings
PaperId: :  26719
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-26719
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Temberley Joyz P. ValenzuelaUrdaneta City University
Elisa C. CristobalUrdaneta City University

Abstract

FINANCE
funds, pag-ibig, savings, literacy, improvement
Provident funds are essential financial instruments designed to help people save for retirement and future needs. This study aimed to assess the level of literacy among Pag-IBIG Fund members in Eastern Pangasinan regarding provident savings, focusing on regular savings, short-term loans, and housing loans. The research revealed that the respondents had an overall good awareness of provident savings. However, the respondents demonstrated lower awareness of regular savings and housing loans than short-term loans. The study also found that the literacy level of respondents varied significantly based on their age, gender, monthly income, educational attainment, and employment status. As a result, the null hypothesis-stating no significant difference in the level of literacy of Pag-IBIG Fund members on the provident savings across their socio-economic profile, was rejected. In conclusion, the study highlights the general awareness of Pag-IBIG Fund members about provident savings, though there are areas for improvement, particularly in housing loans and regular savings. Additionally, socio-economic factors play a significant role in the level of literacy among members.

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IJARIIE Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. "Literacy of Pag-IBIG Fund members on Provident Savings" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 3 2025 Page 2194-2203
MLA Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. "Literacy of Pag-IBIG Fund members on Provident Savings." International Journal Of Advance Research And Innovative Ideas In Education 11.3(2025) : 2194-2203.
APA Temberley Joyz P. Valenzuela, & Elisa C. Cristobal. (2025). Literacy of Pag-IBIG Fund members on Provident Savings. International Journal Of Advance Research And Innovative Ideas In Education, 11(3), 2194-2203.
Chicago Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. "Literacy of Pag-IBIG Fund members on Provident Savings." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 3 (2025) : 2194-2203.
Oxford Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. 'Literacy of Pag-IBIG Fund members on Provident Savings', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, 2025, p. 2194-2203. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/Literacy_of_Pag_IBIG_Fund_members_on_Provident_Savings_ijariie26719.pdf (Accessed : ).
Harvard Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. (2025) 'Literacy of Pag-IBIG Fund members on Provident Savings', International Journal Of Advance Research And Innovative Ideas In Education, 11(3), pp. 2194-2203IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/Literacy_of_Pag_IBIG_Fund_members_on_Provident_Savings_ijariie26719.pdf (Accessed : )
IEEE Temberley Joyz P. Valenzuela, and Elisa C. Cristobal, "Literacy of Pag-IBIG Fund members on Provident Savings," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, pp. 2194-2203, May-Jun 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/Literacy_of_Pag_IBIG_Fund_members_on_Provident_Savings_ijariie26719.pdf [Accessed : ].
Turabian Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. "Literacy of Pag-IBIG Fund members on Provident Savings." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 3 ().
Vancouver Temberley Joyz P. Valenzuela, and Elisa C. Cristobal. Literacy of Pag-IBIG Fund members on Provident Savings. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : ]; 11(3) : 2194-2203. Available from: https://ijariie.com/AdminUploadPdf/Literacy_of_Pag_IBIG_Fund_members_on_Provident_Savings_ijariie26719.pdf
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