Financial Status and Academic Performance: Basis for a Propose

College Tuition Planning

A Research Proposal Presented to the Faculty of the University of Cebu

Maritime Education and Training Center

By:

D/C Dumaran, Marquis David

D/C Zamora, Daniel Juhn

D/C Heramil, John Paul

D/C Guirit, Deve

October 2015, Cebu City

 APPROVAL SHEET

This research proposal entitled, “Financial Status and Academic

Performance: A Basis for College Tuition Planning”, prepared and

submitted by D/C Marquis G. Dumaran, D/C Deve A. Guirit, D/C John Paul

A. Heramil and D/C Daniel Jun Zamora of the Maritime Transportation

Department- University of Cebu Maritime Education and Training Center is

hereby accepted and recommend for Oral Examination.

APPROVED BY:

Ms. Frelyn Duran, MST

Adviser

Capt. Arnel Malaga Engr. Allan R. Navarro

OIC-Maritime Superintendent General Education Coordinator

Dr. Rosielyn D.Tan

Campus Research Coordinator

 ACKNOWLEDGEMENT

This research paper is made possible through the help and support from

everyone including our parents, family, friends, and teacher and in essence,

all sentient beings. Especially, please allow us to dedicate our

acknowledgement of gratitude toward the following significant advisor and

contributors:

First and foremost, we would like to thank Ms. Frelyn Duran for his

most support and encouragement. She kindly read our paper and offered

invaluable detailed advices on grammar, organization, and the theme of the

paper.

Second, we would like to thank our Marlow Cadet Senior and fellow

Stolt-Nielsen Scholars along with the Regular Class who fill in the gaps, read

our proposed papers and provide valuable advices.

Finally, we sincerely thank to our parents, family, and friends, who

deeply provide the advice and financial support. The product of this research

paper would not be possible without all of them.

 DEDICATION

We dedicate our dissertation work to our family, parents and friends.

This work is has not been published without the inspiration we gain from our

dearest parents who never stop supporting us until we step up in this well-

known institution, UC-METC. A special feeling of gratitude to our loving

parents whose words of encouragement and push for tenacity ring in our ears.

We also dedicate this dissertation to my friends and fellow cadets who

have supported us throughout the process. We always appreciate all they have

done, especially our Marlow Cadet Seniors and the Stolt-Nielsen Scholars and

Regular Class for helping us to accomplish the task in time.

After all, this dissertation work is dedicated to all the parents and

students who provide fees and payments and who solemnly chose the course

and the institution on their will of choice and on behalf of their financial status.
 TABLE OF CONTENTS

Page

Title Page . . . . . . . . . 0

Approval Sheet . . . . . . . .

Acknowledgements . . . . . . .

Dedication . . . . . . . . .

Abstract . . . . . . . . .

CHAPTER

1 THE PROBLEM AND ITS SCOPE

Introduction . . . . .

THE PROBLEM

Statement of the Problem . . . .

Statement of the Hypothesis . . .

2 REVIEW OF RELATED LITERATURE

Theoretical Background . . . .

Conceptual Framework . . . .

3 RESEARCH METHODOLOGY

Research Design . . . . .

Research Environment . . . .

Research Instrument . . . .
 Research Respondents . . . .

Research Procedure . . . .

DEFINITION OF TERMS . . . .

4 PRESENTATION, ANALYSIS AND INTERPRETATION

OF DATA

5 SUMMARY, CONCLUSION, AND RECOMMENDATION

REFERENCES . . . . . .

CURRICULUM VITAE . . . .
 List of Tables

A. Table 1- The profile of the Cadets enrolled in UC-METC

B. Table 2- Respondent’s Questionnaire

 List of Figures

A. Figure 1: Conceptual Framework of the Study

B. Figure 2: Flow of the Study

 ABSTRACT

This study was designed to investigate how financial status affects

academic performance of the students enrolled in University of Cebu-

Maritime Education and Training Center for a basis of college tuition

planning. Emphasis was put on trying to establish the relationship between

profile of the respondents, parents’ financial status, school background and

academic performance of BSMT and BSMare students at University of Cebu-

METC. The study employed the use of correlation design to establish the

nature of the relationships.

The validity and reliability of research instruments was established and

data was collected from 50 respondents selected from Marine Transportation

Department and the Marine Engineering Department using the simple random

sampling method. To analyze the data, we derived from the System’s theory

input-output model developed by Ludwig Von Bertalanffy was used to aim of

establishing the relationship between students’ admission points, parents’

social economic status, former school background and academic performance

of BSMT and BSMarE students of UC-MET. This formed the basis of the

detailed analysis and conclusions and recommendations.

 Chapter 1
The Problem and Its Scope
Introduction

The concept of academic performance has become a source of concern

to researchers, especially as the academic performance of the students is

declining. Academic performance is defined or regarded as participants

‘examination grades at the end of a given duration (term, semester, and

programme). It could also be seen as the level of performance in a particular

field of study. Higher scores indicate better academic performance.

In an academic institution, these basic needs go beyond food, shelter,

clothing and energy. In addition to these four, the basic needs of a student

extend to the cost of transportation, health care, stationary and more recently,

the information and communication technology. Many students have been

finding it difficult feeding themselves because they lack enough money to do

so. The school cafeterias that impact of students’ financial strength on their

Academic Performance are supposed to serve at subsidized rates are no more

functioning. Even students who usually bring their foodstuff need money for

ingredients, kerosene, etc.

 One of the institutions in the country that produces entirely of well-

known professionals throughout the world is the University of Cebu-

Maritime Education and Training Center (METC). The Institution provide

state-of-the art facilities and equipment, refreshing and relaxing learning

environment and fitted with up-to-date technology with respect to the course.

Through this, student’s academic performance would be the most

affected because in every corner, they provide most of educational resources

which could lead the performance of every students to be expected as high as

possible. But, there are circumstances that a student’s academic performance

can be greatly affected and that is the financial status of the parents. In this

institution, provided with what is the best technologies and training facilities,

in exchange for this is a high tuition fees.

Tuition payments, usually known as tuition and as tuition fees, this are

fees charged for instructors during higher education. Tuition payments are

charged by educational institutions in some countries to assist with funding of

staff and faculty, course offerings, lab equipment, computer systems, libraries,

facility upkeep and to provide a comfortable student learning experience. The

Commission on Higher Education (CHED) plans to keep tuition hikes to 10%

every year, according to this news report. This means the figures above can

only increase by at most, 10% each year.

 Some think that the higher the tuition fee of a school, the higher the

chances of the job they can get after they graduated. Some also were enrolled

in an affordable tuition fee university because they think that the key of a

higher job opportunity is hard work and sacrifices, not the big money that they

pay for the tuition fee of the university they were enrolled.

There are some countries provide a free tuition pay in college but our

government can’t. First reason is that our government don’t have enough

budget to support all the college students in our country. Also the number of

college students in our country is very big and it is not shocking for us that

our government cannot give us free tuition fee. Because of the high demands

of the teachers the budget for this (tuition free college) will go to the teachers.

Some of the budget if the government were stolen by the oppositions that’s

why this is not happening. In other countries like Sweden, Finland, Germany

and etc. their government can give a tuition fee free college because this

countries focus on the future of the people living in their place because this is

the key of a successful country. Corruption is the main reason why the

government cannot give college students a free college. Billions of money that

were stolen from us tax payers. That billions can help a lot of people especially

for the education of the students.

 In that case, determining the financial status who supports a student

enrolled in an institution which offers a course fully quip is the most important

decision to make and must be properly plan in terms of the status financially.

There are some student that may fail in its academic performance just because

he/she is more concentrate on how much more money to spend or how much

to save depending nature of the subjects which have one have to spend for the

lecture and one must spend for the laboratory. When we talk about financial

status, its how much part of the financial you get from the income to spend on

tuition fees depending on what kind of job and how many members on your

family that still dependent in your income including oldest members of the

family. The reality of this case is that the student is more focused on

something what might help him to overpass this money problems like for

example, applying a part time jobs in night and night shifts instead of doing

homework. But on the other hand, if the family can offer enough financially

there is no serious problem on that because you can avail that is necessary for

the lesson purposes and it’s on the student how he handle his academic

performance.

Although that financial status is very important to determine first if its

suits for the best course, there is still a gap between a regular government

employee and non-government employee because even though both of them

can support a child for his solemnly chose course, the parent who have a

regular work can support easier what the child necessary needs without worry

of the child but also the no-regular too. And that is where after determining

the financial status of the students and how it’s affect the academic

performance we can base a proposal for a college tuition plan. Planning is

very especial when especially if the financial support is limited. This could be

a breakthrough if we can accurately plot how the financial status affect the

academic performance of the student.

Through research we can make a difference and start a new beginning

about properly planning what is the best for the student in terms of his

financial status in life because money really matters and this could be a guide

in order to save more and make things easier.

 The Problem

Statement of the Problem

The study aims to identify how the financial status of parents is suitable

for the course and the academic performance of the student basis for a propose

College tuition planning in University of Cebu-METC.

This specifically aims to answer the following questions:

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

1.1 Age;

1.2 Occupation;

1.3 Gender; and

1.4 Educational Background?

2. What is the financial status of the respondents in terms of:

2.1 Age;

2.2 Educational Attainment;

2.3 Occupation/Kind of Work; and

2.4 Monthly Income?

3. What is the academic performance of the respondents?

4. Is there a significant relationship between the financial status and academic

performance of the respondents?

5. Base on the study, a seminar or orientation about college tuition planning

may be implemented.

Statement of Hypothesis

Ho: There is no significant relationship between the financial status and

academic performance of the respondent.

Ha: There is a significant correlation between the financial status and

academic performance of the respondent.

 Chapter 2
Review of Related Literature and Studies

Introduction

This Chapter contains the theoretical review, conceptual framework

and the review of related literature.

Theoretical Review

This theory is anchored based on System’s Theory Input-Output Model

(1956) by Ludwig Von Bertalanffy which states that finance is a broad term

that describes two related activities: the study how money is managed and the

actual process of acquiring needed funds. It relates the interaction of

individual components of the structure to the functioning of the structure as a

whole.

The theory adapted for this study was derived from the System’s theory

input-output model developed by Ludwig Von Bertalanffy in 1956. The

theory, according to Koontz and Weihrich, (1988) postulates that an organized

enterprise does not exist in a vacuum; it is dependent on its environment in

which it is established. They add that the inputs from the environment are

received by the organization, which then transforms them into outputs. As

adapted in this study, the students (Inputs) are admitted into the university,

with different admission points, from different social economic backgrounds

and are from various school backgrounds, when they get into the university

system, the management of the university transforms them through the

process of teaching and learning and the students output is seen through their

academic performance.

According to the input-output model, it is assumed that the students

with high admission points, high social economic background and good

school background will perform well if the university facilities are good, the

lecturers and the management of the university is good which may not always

be the case and this is the shortcoming of this theory. According to Oso and

Onen (2005), the interrelationships among parts of a system have to be

understood by all parties involved. This theory requires a shared vision so that

all people in the university have an idea of what they are trying to achieve

from all parties involved, a task that is not easy to achieve.

Related Literature

This section reviews the related literature on the concept of parents’

financial status and its relationship to academic performance.

Financial Status and Academic Performance

The financial status or the social economic status is most commonly

determine by combining parent’s educational level, occupational status and

the income level (Jeynes, 2002; McMillan & Western, 200). In most of the

studies done on academic performance of students, it is not surprising that

financial status is one of the major factor studied while predicting academic

performance. It is believe that low financial status negatively affects academic

achievement because lesser financial status prevents access to vital resources

and creates additional stress at home (Eamon 2005; Jeynes, 2002). Graetz

(1995) carried out a study on economic status in education research and policy

found that social economic background remains one of the major sources of

educational inequality and adds that one’s educational success depends very

strongly on the financial status of the parents.

Conceptual Framework

This shows the linkage between different factors and academic

performance. It shows that academic performance is an independent variable

is related to the dependent and controlled variables which are financial status

of the student and respondents profile.

Conceptual Framework Diagram

Controlled Variable Dependent Variable Independent Variable

Financial Status Respondents

Academic
of the student Profile:
Performance
enrolled in UC-
Age;
METC
Gender;
Educational
Background; and
Occupation

Figure 1: Conceptual Framework of the Study

 Chapter 3
Research Methodology

This Chapter outlines the manner in which the study was conducted.

The key components are the research design, population, sample size and

sampling technique, research instruments, procedure and data analysis.

Research Design

The design used for this study was descriptive-correlational. The

population for the study consisted of all the enrolled students of BSMT

(Bachelor of Science in Marine Transportation) and BSMarE (Bachelor of

Science in Marine Engineering) department from University of Cebu-

Maritime Education and Training Center (UC-METC) S.Y. 2015-2016.

INPUT PROCESS OUTPUT

Financial Status Data Gathering;

and Academic Data Seminar and

Performance: Interpretation; Orientation about

Basis for a Analysis; College tuition

Propose College Conclusion and planning

Tuition Planning Recommendation

Figure 2: Flow of the Study

Research Environment

The study will be conducted in the University of Cebu-Maritime

Education and Training Center (UC-METC). This campus in Alumnos,

Mambaling, Cebu City is one of the four campuses of the University of Cebu.

While other campuses such as; UC-Banilad, UCLM, and UC-Main house

varied courses, the UC-METC has only maritime courses such as Bachelor of

Science in Marine Transportation (BSMT), Bachelor of Science in Marine

Engineering (BSMarE), and Catering and Stewardship (CS). Living with its

mission to produce world-class seafarers, the university, as one of the leading

seafaring institution has been accredited internationally by DNV (Det Norske

Veritas), NMD (Norwegian Maritime Directorate for Training Center).

For years, the UC-METC has been producing graduates who mostly

work as seafarers on board international vessel. A number of graduates are

offered scholarships from the University’s agency partners and linkages. With

these standards and recognition the school adheres to the significance of using

English as its official language of communication and medium of instruction.

Research Respondents

The newly enrolled BSMT and BSMarE students of S.Y. 2015-2016

are taken as respondents of the study. Since they have taken and passed most

of their English classes in secondary level they are expected to have acquired

a good level of proficiency on the use of the English language in four modes

of communication: listening, speaking, reading and writing. These

respondents will finish their 3-year diploma course and an apprenticeship

before they finally acquire their BS degree. The BSMT students are those who

are taking Maritime Transportation. They will be responsible for the safe

plotting and navigation of the vessel. The BSMarE students are those who are

taking Marine Engineering. They are responsible of the vessel’s engine and

maintenance. Navigation and Engine works are mostly communicated in the

English language. There will be 50 BSMT and 50 BSMarE students to be

chosen as respondents on the basis of a simple random sampling.

Research Instruments

The study used a researcher-made questionnaire to gather needed data.

Random Questions was used as it is one of the most common and appropriate

sampling strategies in quantity research. All the respondents will fill the

questionnaires. The researcher used the questionnaire because the selected

population is literate and time for collecting data is limited. The researcher

will developed closed-ended questions because they are easy to fill, save time,

and keep the respondents focused on the subject. The selection of respondents

was guided by the following criteria: male or female student and newly

enrolled in UC-METC. The questionnaires are composed of 50 questions

providing that the respondents be able to answer by putting check mark below

YES box or NO box. Since the study intends to measure the respondent’s

academic performance, questions have been selected according to the level of

the financial status of the respondents which will be tested.

Research Procedure

After an approval from the Academic Instructor to conduct the study,

we asked; at random, students to fill up the questionnaire's that was made for

our study. In total, 50 questionnaires were distributed. The interpretation of

data was made by a licensed statistician, since the amount of data was

relatively small compared to other researches the interpretation of data came

with haste.
 Definition of Terms

Finance. Finance is the avenue through which students’ bills are paid.

If their finances are not adequate, the situation may tend to affect their

academic performance adversely. If, on the other hand, their financial needs

are met adequately, probably their academic performance may be enhanced.

Academic Performance. Academic performance is defined or

regarded as participants ‘examination grades at the end of a given duration

(term, semester, and programme). It could also be seen as the level of

performance in a particular field of study. Higher scores indicate better

academic performance

Tuition fee. The charge or fee for instruction, as at a private school or

a college or university.
Research Platform
 Summary of Key Points

The goal of this study was to examine the relationship between financial

status and academic performance of a student. The usefulness of financial

information in our study is conceptually and analytically evaluated. Both

statistical methods and regression analysis techniques are used to show how

the financial status can affect the academic performance of a student. Perform

an active financial analysis on how we can give information and advice to the

parents and students.

 CONCLUSION

Poverty significantly affects the resources available to students. Due to

this lack of resources, many students struggle to reach the same academic

achievement levels of students not living in poverty. The factors affecting

student achievement include income, source of income, and the mother’s

education level. Although many poor students score below average on

assessment measures, instructional techniques and strategies implemented at

the classroom, school, district, and government levels can help close the

achievement gap by providing students with necessary assistance in order to

achieve high performance in academics.

 Goals and Objectives

Objective 1:
To persuade that financial status can affect the Academic Performance

3 Main Topics in Objective 1

Both
freshmen
and seniors
worry about
college costs

College costs
affecting
academic
performance
of students

College must
do their part
to help
 Many students are stressed about their finances. As the cost of earning

a bachelor's degree continues to rise, many students worry about how they are

going to pay for their education. In fact, a 2011 report by the American

College Health Association shows that finances are the second-largest stressor

for students, falling just behind academics. Last year, more than one-third of

students said they would describe their financial situation as "traumatic" or

"very difficult" to deal with.

For this reason, the 2012 National Survey of Student Engagement

(NSSE) decided to take a closer look at college students' financial situation

and how it affects them.

Both Freshmen and Seniors Worry About College Costs

The NSSE survey reveals that all college students, whether they are

freshmen or seniors, have the same concerns about financing their education.

For example, about 59% of freshmen and 53% of seniors said they are worried

about paying for college. Along the same lines, 60% of college freshmen and

62% of seniors said they are concerned about having enough money to pay

for regular expenses.

Diagram 1.2
62% 62%

60%
60%
59%

58%

56%

54% 53%

52%

50%

48%
WORRIED PAYING FOR CONCERNED IN
COLLEGE REGULAR EXPENSES
Freshmen Seniors
College Costs Affecting Students' Academic Performance

The stress students have over paying for college affects them in many

ways, but it is particularly apparent in their academic performance. According

to the survey, about one-third of both college freshmen and seniors agree that

their financial concerns have interfered with their academic performance. In

some situations, this was because students simply could not afford required

course materials, including textbooks. About one-quarter of freshmen and

one-third of seniors said they have not purchased required academic materials

due to their high cost.

 Freshmen and Seniors

Finances interferes 33% of Academic Performance

Diagram 1.3

However, not only do college students with financial concerns tend to

avoid purchasing expensive course materials, but they also devote many hours

to part- or full-time jobs. While this can help them earn some extra money, it

often prevents them from putting enough time toward their school work.

According to the survey, 60% of students who work more than 20 hours per

week believe their job interferes with their academic performance.

Colleges Must Do Their Part to Help

Alexander C. McCormick (2012), director of the survey, told The

Chronicle of Higher Education that schools should use this data to improve

students' college experience. While most colleges already know their students

hold part-time, on-campus jobs, they must do more to determine how many

hours they spend working off campus, as well as how this is affecting their

academic performance.

"You can never do enough to understand who your students are," McCormick

told the Chronicle. "The really hard work is up to the colleges and universities,

to figure out what the data mean and what they want to do in response."
Objective 2:
To select the best alternatives in planning and saving money

Ten years ago, it was unthinkable that education plans will be met with

such hostility. When educational plans were first launched some decades

back, they were a much sought-after investment instrument by the public.

After all, education is one of the major financial priorities of Filipino parents

and the burden of a forthcoming college education cost is no laughing matter.

The pre-need educational plan was crafted precisely to address this

concern of parents. The educational plan was a commitment by pre-need

companies to pay their children’s tuition 16 or 17 years later in exchange for

a minimum investment on the parents’ part. With an offer like that, who can

refuse? Filipino parents’ dream of being able to send their children to the best

colleges and universities was within easier reach. It became a huge success

that other pre-need companies followed suit, thereby flooding the market with

hundreds of thousands of education plans.

Just when the exuberance seemed never to end, pre-need companies

were suddenly confronted with soaring tuition when deregulation was

introduced in 1992. The return on their investment just cannot keep up with

The increase and this snowballed into the collapse of several pre-need

companies in mid-2000 defaulting on their commitments to their plan holders.

Crunching down the numbers

In the minds of everyone, education costs today are outrageous to say

the least. Just ask any parents with kids currently in the tertiary level and you’d

get the same response—a wide-eyed, open-mouthed sigh.

Sixteen years later, the figures are not going to look any less. According

to the Commission on Higher Education (CHED), the average increase for

college tuition is 12.25% per annum. That means, should you wish to send

your child to either the top-tiered colleges like Ateneo de Manila, De La Salle

University, or the University of the Philippines (see Table 1), be ready to

churn out at least half a million pesos, multiply that by four years, and that

would translate to a whopping P2,000,000!

Below are the sample college tuition plan in table.

Table 1: Sample College Tuition (in Php, as of March 31, 2009)

IN 4 IN 10 IN 16

TUITION YEARS YEARS YEARS

SY 2008- SY 2012- SY 2018- SY 2024-

Schools 2009 2013 2019 2025

Ateneo De

Manila 90,613.00 143,858.00 287,776.00 575,669.00

De La Salle

University 110,447.82 175,348.70 350,738.00 701,679.00

University of

the

Philippines 36,000.00 57,141.00 114,332.00 228,709.00

Average 502,019.00
What are the other ways to invest?

Table: Tuition Fee Increase

With the public trust on pre-need plans dwindling, it is natural for

Filipino parents to look for other alternatives. After all, the need to send one’s

child to college is still there, with or without the pre-need companies. Quality

education is still perceived as the ticket to success by Filipinos.

Since prudent financial planning starts with a projection of the future

cost of college, the problem comes in when investors put too much emphasis

on the projection. Clients should be made aware that projections are just

Projections. “From point A to point B, nobody knows what will really happen

and if those figures will still hold true,” says Alijeffty “Jeff” Gonzales, a
Registered Financial Planner (RFP) and a consultant for business

development for Insular Life and Assurance Company.

While the figures are there to serve as guide, it is by no means the end.

If these multi-billion companies can hire the best actuarial in the land and still

fail because of conservative estimates, how much protection does the ordinary

Juan who invest on his own, has?

What can the ordinary person do then? “You can either invest on your

own or purchase a plan,” Jeff says. While either or both of options are

practical, there is one thing we should clearly remember, “Overinvest towards

the goal,” he recommends, “Gone are the days when you have one product to

match one objective. Now you need three or four to match one particular

need.” In this case, it is better to have a surplus than to have a deficit.

The following are the two ways on how to invest and choosing life time plan.
 Plan A: Investing on your own

Scenario

For example, if you’re going to work towards having P2,000,000 after

16 years without the use of interest rates and yields, you need to save at the

very least P130,000 every year to achieve the P2,000,000 mark 16 years later.

Even with the use of a 4% interest rate, you need to still need to save P90,000

every year. Clearly, it is not an easy figure to save for salaried employees.

Surely, there is a better way.

Explanation

Gonzales cites that the recently issued corporate bonds offer very

attractive coupon rates with some reaching as high as 9% interest per annum.

The only problem with the bonds he added is that they mature after five years.

“There would be no matching after then.” At the given rate, an initial

investment of P500,000 pesos would be P1,900,000 after 16 years—maybe

enough to fund the college education of your child. The challenge after the

maturity is to look for an investment that offers the same yield.

Stocks are also another investment instrument one can consider but it entails

greater risk. Since the start of the bull run in 2003 all the way to the 2007,

stocks have been averaging a whopping 22% growth per annum. The same
P500,000 invested now has grown to more than P1,600,000 in just five years!

Sounds great but let’s go back further and imagine if you have invested in

1997 with the same objective, the same P500,000 12 years later is just valued

at P260,000. That means your investment in those 12 years didn’t earn

anything and has to earn more than a 100% just to recoup the losses and earn

a little profit. Stocks may well be the best instrument to leverage against

skyrocketing tuition hikes but wild volatility can really burn your hard-earned

savings.

If you don’t have the resources to invest in either of the two, mutual funds

may be another option, Hector de Leon, RFP and First Vice President of First

Metro and Asset Management., points out, “A strategy you can employ is to

use the gains from a conservative fund and reinvest that into a more aggressive

one.”
Plan B: Purchasing a plan
Scenario

Renelyn Arellano, a law student recently got a variable life insurance

policy for her one-year old daughter. “When I was offered this

product by my financial adviser, I immediately liked it and it was

better than the education plan that was earlier offered to me. The

returns may not be guaranteed but it certainly have the potential to

match the tuition increase.” That is because the policy is linked to

the performance of either the bond or equity market. While she is

clearly aware of the risks associated, Renelyn is nonetheless willing

to take the chance.

Explanation

Since most Filipinos are risk averse and lack the time and expertise to

invest on their own, they tend to pass the responsibility to another company

by purchasing an educational plan or life insurance policy.

 By leveraging on these asset classes, an annual investment of P65,000

for the next 16 years at a rate of 8% can help the funds grow to more than

P2,000,000. An endowment plan is also a good alternative for those who don’t

want to take a risk with variable insurance. But given the benefits it

guarantees, an endowment plan naturally comes at a higher premium. A 10-

year endowment plan cost more than P1,700,000 but guarantees a fund of

P2,100,000in total living benefits that can be use as an education fund when

the child starts college six or seven years later.

Whether it is investing on your own or buying a plan, it is important to

stay focused on the goal. Jeff recommends a regular rebalancing of portfolio

to see whether the investments are doing well or not. That is why there is a

need to come up with a basket of three or more investments so that there is a

buffer or contingency in case one or two of your instruments are not

performing well. Financial advisers have always harped on the benefits of a

diversified portfolio. Constantly updating yourself on the current tuition can

also help.
 Filipino parents’ are notable for sacrificing and saving just to send their

children to school and often, at the expense of their own future. It is

undeniably a very noble act. Partnering with stable financial institutions and

objective financial advisers can make their objective clearer and more

achievable. Investing their hard-earned savings using a diversified portfolio

of financial instruments – mutual funds, stocks, insurance policies, and

endowment plans – can help them realize the ultimate dream of every Filipino

parent and save themselves the financial loss, psychological anguish, and

emotional heartache suffered by educational plan holders.

Objective 3
To execute the fundamentals of budget planning

Sample Financial Budget Planning

...in College ...in 20's ...in 30's

• Develope wise • Pay off any college • Assess progress
budgetinghabits loans toward long-term
• Create regular savings • Increase amounts financial goals
program saved and invested • Evaluate needed
• Establish a plan for • Continue proper insurance as a result of
wide use of bangking spending and credits changes in household
services and credits habits or financial situation

My Life Stage for Financial Planning…

 Budget Plan Checklist

CATEGORY BUDGET ACTUAL DIFFERENCE

AMOUNT AMOUNT
INCOME:
Wages and Bonuses
Interest Income
Investment Income
Miscellaneous Income
Income Subtotal

EXPENSES:
HOME:
Mortgage or Rent
Homeowners/Renters Insurance
Property Taxes
Home Repairs/Maintenance/HOA
Dues
Home Improvements

UTILITIES:
Electricity
Water and Sewer
Natural Gas or Oil
Telephone (Land Line, Cell)
FOOD:
Groceries
Eating Out, Lunches, Snacks
FAMILY OBLIGATIONS:
Child Support/Alimony
Day Care, Babysitting
HEALTH AND MEDICAL:
Insurance (medical,dental,vision)
Out-of-Pocket Medical Expenses
Fitness (Yoga,Massage,Gym)
PHILHEALTH

TRANSPORTATION:
Car Payments
Gasoline/Oil
Auto Repairs/Maintenance/Fees
Auto Insurance
Other (tolls, bus, subway, taxi)

DEBT PAYMENTS:
Credit Cards
Student Loans
Other Loans

ENTERTAINMENT
Cable TV/Videos/Movies
Computer Expense
Hobbies
Subscriptions and Dues
Vacations

PETS:
Food
Grooming, Boarding, Vet
CLOTHING:
INVESTMENTS AND SAVINGS:
401(K)or IRA
Stocks/Bonds/Mutual Funds
College Fund
Savings
Emergency Fund

MISCELLANEOUS:
Toiletries, Household Products
Gifts/Donations
Grooming (Hair, Make-up, Other)
Miscellaneous Expense

Total Investments and Expenses

Surplus/Shortage (Spendable income
minus expenses & investments)

Table 1: Budget Plan Checklis

 Personal financial planning is the process of managing your money

to achieve personal economic satisfaction. This planning process allows you

to control your financial situation. Every person, family, or household has a

unique financial position, and any financial activity therefore must also be

carefully planned to meet specific needs and goals. A comprehensive

financial plan can enhance the quality of your life and increase your

satisfaction by reducing uncertainty about your future needs and resources.

The specific advantages of personal financial planning include:

 Increased effectiveness in obtaining, using, and protecting your

financial resources throughout your lifetime.

 Increased control of your financial affairs by avoiding excessive

debt, bankruptcy, and dependence on others for economic security.

 Improved personal relationships resulting from well-planned and

effectively communicated financial decisions.

 A sense of freedom from financial worries obtained by looking to the

future, anticipating expenses, and achieving your personal economic

goals.
 Diagram of Financial Planning Process

While everyone makes decisions, few people consider how to make

better decisions. The diagram shows, the financial planning process is a

logical, six-step procedure that can be adapted to any life situation.

 Diagram 1.2 Steps in Executing Financial Planning

Step 1:
STEP 4
DETERMINE YOUR
EVALUATE YOUR
CURRENT FINANCIAL
ALTERNATIVES
SITUATION

STEP 5
STEP 2
CREATE AND IMPLEMENT
DEVELOP YOUR
YOUR FINANCIAL ACTION
FINANCIAL GOALS
PLAN

STEP 3 STEP 6
IDENTIFY ALTERNATIVE REVIEW AND REVISE
COURSES OF ACTION YOUR PLAN

Diagram showing the steps on how to execute the fundamentals of

budget planning

STEP 1: DETERMINE YOUR CURRENT FINANCIAL SITUATION

I n this first step, you will determine your current financial situation

regarding income, savings, living expenses, and debts. Preparing a list of

current asset and debt balances and amounts spent for various items gives you

a foundation for financial planning activities. The personal financial

statements discussed in Chapter 3 will provide the information needed to

match your goals with your current income and potential earning power.

STEP 2: DEVELOP YOUR FINANCIAL GOALS

Several times a year, you should analyze your financial values and

goals. This activity involves identifying how you feel about money and why

you feel that way. Are your feelings about money based on factual knowledge

or on the influence of others? Are your financial priorities based on social

pressures, household needs, or desires for luxury items? How will economic

conditions affect your goals and priorities? The purpose of this analysis is to

differentiate your needs from your wants. Specific financial goals are vital to

financial planning. Others can suggest financial goals for you; however, you

must decide which goals to pursue. Your financial goals can range from

spending all of your current income to developing an extensive savings and

investment program for your future financial security.

STEP 3: IDENTIFY ALTERNATIVE COURSES OF ACTION

Developing alternatives is crucial when making decisions. Although

many factors will influence the available alter- natives, possible courses of

action usually fall into these categories:

• Continue the same course of action. For example, you may

determine that the amount you have saved each month is still appropriate.
 • Expand the current situation. You may choose to save a larger

amount each month.

• Change the current situation. You may decide to use a money market

account instead of a regular savings account.

• Take a new course of action. You may decide to use your monthly

savings budget to pay off credit card debts.

STEP 4: EVALUATE YOUR ALTERNATIVES

You need to evaluate possible courses of action, taking into

consideration your life situation, personal values, and current economic

conditions. How will the ages of dependents affect your saving goals? How

do you like to spend leisure time? How will changes in interest rates affect

your financial situation?

STEP 5: CREATE AND IMPLEMENT YOUR FINANCIAL ACTION

PLAN

This step of the financial planning process involves developing an

action plan that identifies ways to achieve your goals. For example, you can

increase your savings by reducing you’re spending or by increasing your

income through extra time on the job. If you are concerned about year-end tax

payments, you may increase the amount withheld from each pay check, file

quarterly tax payments, and shelter current income in a tax-deferred

retirement program, or buy municipal securities. As you achieve your short-

term or immediate goals, the goals next in priority will come into focus. To

implement your financial action plan, you may need assistance from others.

For example, you may use the services of an insurance agent to purchase

property insurance or the services of an investment broker to purchase stocks,

bonds, or mutual funds.

STEP 6: REVIEW AND REVISE YOUR PLAN

Financial planning is a dynamic process that does not end when you

take a particular action. You need to regu- larly assess your financial

decisions. You should do a complete review of your finances at least once a

year. Changing personal, social, and economic factors may require more

frequent assessments. When life events affect your financial needs, this

financial planning process will provide a vehicle for adapting to those

changes. Regularly reviewing this decision-making process will help you

make priority adjustments that will bring your financial goals and activities in

line with your current life situation.

 Life Situation influences financial status

Table 1.1

People in their 20s spend money differently than those in their 50s.

Personal factors such as age, income, household size, and personal beliefs

influence your spending and saving patterns. Your life situation or lifestyle is

created by a combination of factors.

As our society changes, different types of financial needs evolve. Today

people tend to get married at a later age, and more households have two

incomes. Many households are headed by single parents. More than 2 million

women provide care for both dependent children and parents. As the diagram
show, the adult life cycle —the stages in the family and financial needs of

an adult—is an important influence on your financial activities and decisions.

Your life situation is also affected by marital status, household size, and

employment, as well as events such as:

 Graduation (at various levels of education).

 Engagement and marriage.

 The birth or adoption of a child.

 A career change or a move to a new area.

 Dependent children leaving home.

 Changes in health.

 Divorce.

 Retirement.

 The death of a spouse, family mem- ber, or other dependent

In addition to being defined by your family situation, you are defined by

your values —the ideas and principles that you consider correct, desirable,

and important. Values have a direct influence on such decisions as spending

now versus saving for the future or continuing school versus getting a job.
 Table 1.2

Budget Plan Activities with Life Situations

Financial planning in action for different life situations

Table 1.3
Objective 4:
To simplify needs and wants when it comes to finances

Ways to Save Money on a Limited Income

So let’s get on with it! Here are the ways you can save money on a low

income:

1. Evaluate 8 Find a side 9. Stay out of

gig Restaurants
Housing
Cost

7. Walk or Ride
2. Plan your bike
your 10. Plan your
Shopping meals

11. Get
3. Buy used 6. Sweat the rid of
staff small stuff Cable TV

4. Get a 12. Use

5. Don't used
programmable
credit cards Coupons
thermostat

Diagram 1.1- Twelve Steps ways to save money

1. Evaluate Housing Costs

Many times it’s difficult to save money because housing costs take a

huge chunk of the family budget. In general, it’s best to keep housing costs

to 25% of your take home pay or less. I realize that in some areas of the

country this might be impossible on a small income, but there are always a

few very good deals available on rent. Just be diligent and keep looking.

If you own a home, you may be able to refinance your mortgage at a

lower rate and free up some money that you can put into investments or

savings. If you’re single, you can even take in a roommate or two and charge

them rent to save money on housing costs. That’s money you can put straight

into investments, IRA’s, 401k’s, or an emergency fund!

2. Plan Your Shopping

Never spend money on a whim or just because you “feel like it”. That’s

where a lot of money leaks tend to happen. The best way to spend a limited

income is to plan your shopping ahead of time using a written budget every

single month. That way, you spend your money on paper before you spend it

in real life.

When it comes time to buy what you need, you will already have a plan

in place and you won’t overspend because you only have so much allotted for

each category. When you approach your spending in that way, you’ll feel like

you got a raise because it frees up money that you were wasting when you

didn’t have a plan.

3. Buy Used Stuff

Buy everything you can used. Buy used cars, used electronics, used

furniture, clothing, etc. You’d be surprised at the great deals you can find on

stuff that’s been barely used. Sometimes you can find “open box” items that

haven’t been used, but can’t be sold as new because the packaging has been

damaged or opened. I get some killer deals on EBay on this kind of

merchandise all the time. I always buy used cars, and I’ve even been known

to shop at Goodwill and at yard sales. I’ve gotten $100 shirts for $4 at

Goodwill and $250 shoes for $45 (worn only once!) on Ebay.

Believe it or not, my wife even picked up a beautiful set of wrought

iron and glass shelves that someone had set out for the garbage collector that
 had absolutely nothing wrong with it. They just didn’t want it anymore and

were too lazy to give it away or sell it (price = FREE!). There are incredible

deals out there for most anything you want or need, you just have to know

where to look. Never pay full price if you don’t have to!

A small income doesn’t mean you can’t put money in the bank. ways to

save, plus awesome resources to start

4. Get A Programmable Thermostat

A programmable thermostat can save money on heating and cooling

bills that can free up money for savings. You can buy a basic model for around

$40, or get a more sophisticated thermostat that saves a lot more energy.

Angie and I have two Nest programmable thermostats in our house that have

cut our energy bills by about 10-15%. That means we save around $30-$45

every month on our energy bills. SWEET!

Of course, you can always change your home’s temp manually too, but

a programmable smart thermostat can sense when you’re away from home,

and does a much more efficient job of controlling usage while keeping you
 comfortable at the same time. The cool thing is that even though these

thermostats can be a little pricey, they will more than pay for themselves over

time, making them a great investment!

5. Don’t Use Credit Cards

Credit cards keep you poor. When you use a credit card, studies have

shown that you spend 12% more on average because using plastic is such a

smooth and frictionless way to spend money. That doesn’t include the money

you also spend on interest and fees that come with using credit cards. Your

best bet is to go cash only and use cash in an envelope system along with your

monthly budget.

6. Sweat The Small Stuff

 Take your lunch to work, plan to do your errands all at once to save gas

instead of making multiple trips. Save your change and cash it into an

investment account periodically. Heck, you can even roast your own coffee

(you can also make extra money doing that, here’s how). There are always

ways to cut costs if you need to that will free up money that can go straight

into savings.

You will be surprised how much you can save when you get creative.

7. Walk Or Ride Your Bike

If you can ditch the car to go to the store or to work, then do it. You

will save money on gas and have the added benefit of getting more exercise.

It’s a win-win!
8. Find a Side Gig

There has never been a better time in history to find ways to make extra

money. I’ve written a whole series of articles that can get you started, and I’ll

be adding more “Money Making Ideas” over time.

9. Stay Out of Restaurants

 Of course, it’s ok to eat out occasionally, but making eating out a regular habit

can add up very quickly. Restaurant food costs at least 4x more than a

homemade meal would cost. That multiple goes even higher at more

expensive restaurants. If you want to save money and still have a nice meal

with friends, host a potluck at your house and have everyone bring a dish.

You’ll have just as much fun for a fraction of the cost.

10.Plan Your Meals

You can save money using meal planning apps or even a paid service like

Emeals.com. Planning your meals ahead of time allows you to better plan

your grocery list, thereby spending less on food and saving much more than

the service costs.

11.Get Rid of Cable TV

This is one of the more common suggestions you’ll find, but it’s also

one of the most effective. Get rid of your cable bill and save money for your

future instead. You can still get the free broadcast channels and enjoy plenty

of good programming and all the news you need. It could also have the side

benefit of freeing up some extra time to work on a side gig orincrease your

skills for your present job so you can get a raise or promotion.
12.Use Coupons

Using coupons to buy groceries and necessities can save you a large

amount of money, especially if you know where to find the best coupons. You

can save even more by going to stores that double your coupons, as well as

using that store’s discount card along with the coupons.

 Objective 5: To create college budget plan

Creating Budget Plan using Spreadsheet

Using spreadsheets to help you plan your budget can be useful because

it can help with complex calculations and you can see at a glance incomings

and outgoings. It also means that any changes to figures can be automatically

updated in calculations by the spreadsheet so that it does all the hard work.

Using a budget in this way can be used for many different things such as

preparing for Christmas.

This guide shows you how to create a budget spreadsheet in Microsoft

Excel.

You’ll need:

 A computer with Excel installed

Follow these step-by-step instructions to create a budget spreadsheet

using Excel
Step 1: Open up Excel so that you have a blank spreadsheet.

Step 2: The spreadsheet needs to have information put in it, to calculate the

figures for your budget. For a simple budget, we need to put in figures for

‘income’ and ‘expenditure’ (outgoings). Excel will total up the income and

expenditure for you.

Step 3: Put in the months over which you want to budget to run. Type each

month in an individual cell along one row of the spreadsheet.

Step 4: Then, put in a heading for your income and then below this any sub-

headings for the type of income you receive, for example salary, pension,

benefits.
Step 5: Now we need to add your expenditure. In the same column that you

have typed your income types, you need to add types of expenditure such as

rent or mortgage payments, utility bills, shopping, leisure, TV licence, savings

and so on.
Step 6: Once you have these headings in your spreadsheet, you can start to

put in the calculations so that when you put in figures at a later date, Excel

will calculate any totals automatically.

Step 7: Click on the cell where you want the total to be.

Step 8: Then, click Autosum in the menu ribbon.

Step 9: Click and drag on the cells that you wish to be included in this total,

so that the cells are highlighted. Click Enter.

Step 10: Once you have the formula in the first cell, you can now copy that

cell and paste it into all the other cells that require the same formula.
Step 11: Now you need to do a total for outgoings, repeat the steps above

under your 'Expenditure' section.

Step 12: You may also want to know the difference between your income and

your outgoings. To calculate this figure, click on the cell where you want this

total – the surplus – to be shown. Then, click Autosum and click on the first

figure you want to include in your calculation, in this case it’s the income

Total. Now press the minus (-) key on your keyboard. Now press the Ctrl key

on the keyboard and whilst holding it down, choose the second number you

wish to include. In this case, the expenditure 'Total'. Click Enter to complete

the calculation.
Step 13: Again, copy this calculation along the whole row.

Step 14: Now, you need to add in figures for your specific income and

expenditure, and Excel will calculate the totals. You may also wish to use

formatting functions like bold or italic to make your budget spreadsheet

clearer and more attractive.

- See more at: http://digitalunite.com/guides/creating-documents/microsoft-excel/what-

spreadsheet/how-create-budget-spreadsheet#sthash.bg4WHGKV.dpufs
 REFERENCES

Allington RL (1991). Effective literacy instruction for at-risk children. Knapp MS,
Shields PM (Eds), Berkeley, CA: MrCutchan Publishing Corp. pp 9-30.

Bergeson T (2006). Race, poverty, and academic achievement. Available on

www.doh.wa.gov/SBOH/ESS/documents/Race&Poverty.pdf

Brooks-Gunn J, Duncan GJ, Maritato N (1996). Poor families, poor outcomes: The well-
being of children and youth. In G.J. Duncan & J. Brooks-Gunn (Eds.),
Consequences of Growing Up Poor. New York: Russell Sage Foundation, pp 1-17.

Duncan GJ, Brooks-Gunn J (1996). Income effects across the life span: Integration and
interpretation. In Duncan, Brooks-Gunn (Eds.), Consequences of Growing Up
Poor. New York: Russell Sage Foundation, pp. 596-610.

Halpern-Felscher BL, Connell JP, Spencer MB, Aber JL, Duncan GJ, Clifford E,
Crichlow WE, Usinger PA, Cole SP, Allen L, Seidman E (1997). Neighborhood
and family factors predicting educational risk and attainment in African
American and white children and adolescents. In Brooks-Gunn, Duncan, Aber
(Eds.), Neighborhood Poverty. New York: Russell Sage Foundation, pp 146-173.

Haveman R, Wolfe B, Wilson K (1996). Childhood poverty and adolescent schooling

and fertility outcomes: Reduced-form and structural estimates. New York:
Russell Sage Foundation, pp 419- 460

Sandelowski M. Sample size in qualitative research. Res Nurs Health. 1995; 18(2):179-
83.
 Appendix A
Letter to the Dean
 University of Cebu-
Maritime Education and Training Center
Marine Transportation Department
Alumnos, Mambaling, Cebu City

October, 2015

To the Dean;

Greetings!
We are presently conducting a study entitled,
“Financial Status and Academic Performance: Basis for a Propose College
Tuition Planning” as a requirement of the course English 4 (RESEARCH FOR
MARITIME STUDENTS).
In this connection, we would like to request you to be one of our respondents in our
study. We hope you can help us by answering the instrument sincerely and truthfully.

Thank you very much.

Very truly yours,

ZAMORA, DANIEL JUN M.

HERAMIL, JOHN PAUL A.
DUMARAN, MARQUIS DAVID G.
GUIRIT, DEVE A.

Researchers

Noted:

MS. FRELYN DURAN

Research Adviser
 Appendix B
Letter to the Respondents
 University of Cebu-
Maritime Education and Training Center
Marine Transportation Department
Alumnos, Mambaling, Cebu City

October, 2015

Dear Respondents:

Greetings!
We are presently conducting a study entitled
“Financial Status and Academic Performance: Basis for a Propose College
Tuition Planning” as a requirement of the course English 4 (RESEARCH FOR
MARITIME STUDENTS).
In this connection, we would like to request you to be one of our respondents in our
study. We hope you can help us by answering the instrument sincerely and truthfully.

Thank you very much.

Very truly yours,

ZAMORA, DANIEL JUN M.

HERAMIL, JOHN PAUL A.
DUMARAN, MARQUIS DAVID G.
GUIRIT, DEVE A.

Researchers

Noted:

MS. FRELYN DURAN

Research Adviser
 Letter of Informed Consent

I,_____________________________,of __________________________
(Name) (Address)
a _______________, confirm that I have read and understood the
(Course & Year)
Information and have had the opportunity to ask questions. By signing this
consent I understand that my participation is voluntary and that I am free to
withdraw at any time, without giving a reason and without cost. I voluntarily
agree to take part in this study.
__________________________________
Respondent’s signature over printed name

________________
Date
Researchers:

D/C Guirit, Deve A.

D/C Heramil, John Paul A.
D/C Dumaran, Marquis David
D/C Zamora, Daniel Jun
 Financial Status and Academic Performance: Basis for a Propose
College Tuition Planning
Respondent: Age: Status:
Gender: Course/Yr. Level:
Legend: Put check mark (√) inside the box of your corresponding choice
Question YES NO
1. Can your parents provide the tuition fee of the school?
2. Does your parent loan a money for the tuition?
3. Does the tuition fee affect the status of your grades?
4. Does the financial status is right for your course?
5. Are you satisfied with the course?
6. Does the payment for school expenses affects your
performance?
7. Does the payment for school expenses affects your study
habits?
8. Do your parents gives you enough allowance?
9. Does your allowance every week is enough?
10.Do you budget the money you save?
11.Does your parents go with you in paying the tuition fee?
12.Can you buy books for a specific subject?
13.Do you have enough money to buy for the things needed
in school?
14.Do you know where your parents get the money for
payments?
15.Does your parents job is enough for the expenses of the
family per month?
16.Does you teacher allows you to have a photocopy because
you don’t have books?
17.Does the tuition fee of the school is enough for your
family’s income?
18.Did you get enough units required for your year level?
19.Do you think our government can provide a discounted
tuition fee or a free tuition fee?
20.Does you instructor accept a promissory letter during an
exam?
21.Does my books affect my studies?
22.Does the school facilities affects your academic
performance?
23.Did you find a way to save money?
24.Do you properly pay the requirements of the school?
25.Is your performance good in terms of financial status?
26.Did your parents already plan for you going into college?
27.Do you personally choose your course?
28.Is the financial of yours suited for the course?
29.Do you have a bank account?
30.Does the income of your family can support you in
college?
31.Did you already know every semester’s fee?
32.Is there a possibility that you will fail in terms financial
status?
33.Are you with your satisfied with academic performance?
34.Do you pay your fees with discount?
35.Are your payments worth it for the school’s performance
and facilities?
36.Do you spend more on school activities than on leisure
activities?
37.Do you properly comply on the payments for the school?
38.Do you want a seminar for proper financial management?
39.Does the guidance office provides you a financial
management seminar?
40.Did you apply for a scholarship?
41.Is there another source of money that supports you other
that your family?
42.Does payments of books affects you’re your academic
performance?
43.Do have a company waiting for you after you graduate?
44.Do you find studying interesting even you have financial
crisis?
45.Do you belong to Honor’s Class?
46.Do you eat 3 meals a day?
47.Do the payments coincide with the right purpose?
48.The instructor give you a grade suited for your
performance?
49.Are you satisfied with the style of education given by the
school?
50.Did you expected that the school offer discount on tuition
fees based on your financial status?
 Appendix C

Letter to Validator
September 24, 2015

To whom it may concern;

Good Day!

The undersigned are 3rd year Marlow Navigation Cadets of University

of Cebu – Maritime Education Training and Center taking the program of
Bachelor of Science in Marine Transportation undertaking a research proposal
entitled “Financial Status and Academic Performance: Basis for a
Propose College Tuition Planning”.

With your expertise, we are humble asking your permission to validate

the attached researcher-made questionnaire for our study. Your kind approval
to this request will ensure the success of our academic endeavour.

We are looking forward that our request would merit your positive
response.

Thank you and God Bless!

Respectfully yours,
D/C Guirit, Deve A.

D/C Heramil, John Paul A.

D/C Dumaran, Marquis David

D/C Zamora, Daniel Jun

Noted:

Ms. Frelyn T. Duran

Adviser
 Appendix D
Certificate of Validity
Septmeber 24, 2015

TO WHOM IT MAY CONCERN:

I, , certify that the questionnaire

made by the researchers entitled “THE EFFECT OF USING HI – TECH
CLASSROOMS IN UNIVERSITY OF CEBU-MARITIME
EDUCATION AND TRAINING CENTER IN THE LEARNING
OUTCOME OF THE RESPONDENTS” has been thoroughly examined
and verified.

Respectfully yours,

D/C Guirit, Deve A.

D/C Heramil, John Paul A.
D/C Dumaran, Marquis David
D/C Zamora, Daniel Jun

Validator
 Appendix E

Location Map

The study was conducted at University of Cebu Maritime Education

and Training Center wherein the 30 respondents are all students in such
campus. With this map, we will be able to know the location where the study
was being conducted.
CURRICULUM VITAE
PERSONNAL INFORMATION

NAME: DEVE A. GUIRIT

DATE OF BIRTH: MAY 28, 1996
PLACE OF BIRTH: SIQUIJOR, SIQUIJOR
AGE : 19 YRS OLD
GENDER: MALE
ADDRESS: LILO-AN, MARIA, SIQUIJOR
STATUS: SINGLE
NATIONALITY: FILIPINO
E-MAIL: guiritdeve@gmail.com
MOBILE PHONE: 09051407751

EDUCATIONAL ATTAINMENT

PRIMARY: LILO-AN ELEMENTARY SCHOOL

ADDRESS: LILO-AN, MARIA, SIQUIJOR

SECONDARY: CANDAPING NATIONAL HIGH SCHOOL

ADDRESS: CANDAPING B, MARIA, SIQUIJOR

TERTIARY: UNIVERSITY OF CEBU-METC

ADDRESS: ALUMNOS, MAMBALING, CEBU CITY

PERSONAL SKILLS
PAINTING, DRAWING & DESIGNING

HOBBIES AND INTEREST

WRITING AND READING
CURRICULUM VITAE

PERSONNAL INFORMATION

NAME: JOHN PAUL AROMA HERAMIL

DATE OF BIRTH: OCTOBER 31, 1996
PLACE OF BIRTH: DAVAO DEL NORTE
AGE: 18
GENDER: Male
ADDRESS: ALUMNOS, CEBU CITY
STATUS: SINGLE
NATIONALITY: FILIPINO
E-MAIL: JOHN_128736@YAHOO.COM
MOBILE PHONE: 0946-564-6559

EDUCATIONAL ATTAINMENT

PRIMARY: PENAPLATA CENTRAL ELEMENTARY SCHOOL

ADDRESS: PENAPLATA, IGACOS, DAVAO DEL NORTE

SECONDARY: ASSUMPTION ACADEMY OF PENAPLATA, INC

ADDRESS: PENAPLATA, IGACOS, DAVAO DEL NORTE

TERTIARY: UNIVERSITY OF CEBU-METC

ADDRESS: ALUMNOS, MAMBALING, CEBU CITY

PERSONAL SKILLS
DRAWING, POEM WRITING

HOBBIES AND INTEREST

SWIMMING, FISHING, INTERNET SURFING, FAMILY BONDING
CURRICULUM VITAE

PERSONNAL INFORMATION

NAME: MARQUIS DAVID G. DUMARAN

DATE OF BIRTH: JULY 27, 1996
PLACE OF BIRTH: CEBU CITY
AGE: 19
GENDER: MALE
ADDRESS: KINABAG –AN, CALAPE, BOHOL
STATUS: SINGLE
NATIONALITY: FILIPINO
E-MAIL: marquisdumaran@yahoo.com
MOBILE PHONE: 09234497712
EDUCATIONAL ATTAINMENT

PRIMARY: PANGANGAN ELEMENTARY SCHOOL

ADDRESS: LOMBOY, CALAPE, BOHOL

SECONDARY: PANGANGAN NATIONAL HIGH SCHOOL

ADDRESS: LOMBOY CALAPE, BOHOL

TERTIARY: UNIVERSITY OF CEBU-METC

ADDRESS: ALUMNOS, MAMBALING, CEBU CITY

PERSONAL SKILLS
WRITING AND COOKING

HOBBIES AND INTEREST

BASKETBALL, PLAYING OFFLINE GAMES, HANGING OUT WITH
FRIENDS AND EATING
CURRICULUM VITAE
PERSONNAL INFORMATION

NAME: DANIEL JUN M. ZAMORA

DATE OF BIRTH: AUGUST 17, 1996
PLACE OF BIRTH: ARGAO, CEBU CITY
AGE: 19 YRS OLD
GENDER: MALE
ADDRESS: SUA, ARGAO, CEBU
STATUS: SINGLE
NATIONALITY: FILIPINO
E-MAIL: danieljunzamora@gmail.com
MOBILE PHONE: 09329519521
EDUCATIONAL ATTAINMENT

PRIMARY: TALOOT CENTRAL ELEMENTARY SCHOOL

ADDRESS: TALOOT , ARGAO, CEBU

SECONDARY: BULASA NATIONAL HIGH SCHOOL

ADDRESS: BULASA ARGAO CEBU

INTERMEDIATE: UNIVERSITY OF CEBU-METC

ADDRESS: ALUMNOS, MAMBALING, CEBU CITY

PERSONAL SKILLS
SINGING AND ACTING

HOBBIES AND INTEREST

PLAYING TEAM GAMES