Acknowledgement

The researchers are indebted to many great individuals for their

contributions toward the realization of this output. These include but not limited to
their experienced mentors and educators, some competent researchers and
helpful schoolmates who have helped the researchers build this thesis.

Special appreciation goes to their adviser and consultant Atty. Daylinda R.

Suan for her priceless guidance and support. Who patiently and rigorously taught
them what this study is all about and how it is done, making the necessary
comments and suggestions. In their own little way, they were able to contribute to
society within the limits of their capabilities.

For their precious time and expertise in giving corrections and remarks for
the improvement of the study, the researchers would like to thank the panelists,
Dr. Philip Joy R. Rizardo, Dr. Emmanuel R. Umbao and Mr. Reynaldo M. Sabay.

For the OIC of the School of Business, Mrs. Filipinas B. Tesaluna whose
managerial skill is unparalled, and who has been the source of strength of the
School of Business and by making the proponents competent in their respective
fields.

The respondents, who showed their cooperation, sincerely devoted their

time and gave reliable responses to the researchers. With their help and
understanding, the researchers were able to gather data for their research study.

Eternal gratitude and appreciation must go to the researchers’ loved ones;

their parents, brothers, sisters, guardians and friends.

Finally, all glory and honor goes to the Lord Almighty now and forever.
THE RESEARCHERS