Title: The Influence of Inflation on Savings and Investments Behavior among the Faculty at Mabalacat City College
Authors: Aaron Andersen Gomez, Jenny Gulapa,Mariah Sofhia Laurenio, Lesley Lopez,Sheila Mae Loresco, VINCE S. CAPIL, CB, RICARDO S. JIMENEZ, LPT, DBA
Volume: 9
Issue: 7
Pages: 88-96
Publication Date: 2025/07/28
Abstract:
Increasing awareness of the effects of inflation has affected the savings and investments of faculty members at Mabalacat City College. This study delves into the influence of inflation on financial behaviors, including income stability, financial security, risk tolerance, and investment objectives. While prior research has explored the role of financial literacy in shaping saving and investment behaviors, few studies have examined its specific influence on inflationary pressures for educators financial decisions. To address this gap, a descriptive-correlational quantitative study was conducted using printed and standardized online survey questionnaires administered to 40 faculty members. The results reveal a moderate positive correlation between inflation awareness and financial habits, particularly in savings and investments. Faculty members with greater inflation awareness tend to adopt more disciplined budgeting and saving behaviors while displaying a cautious yet informed approach to investments. Challenges in strict adherence to budgets and achieving savings goals were identified, indicating areas for improvement in financial literacy and self-control. Younger, predominantly single faculty members with stable income levels demonstrated proactive financial behaviors, reflecting a balance between risk tolerance and long-term financial goals influenced by their understanding of inflation. The study comprehensively addresses its objectives by exploring both the demographic factors and financial behaviors of respondents in relation to inflation awareness. The findings underscore the critical role of financial education in equipping faculty members with the knowledge and skills needed to navigate economic uncertainties. This highlights the importance of fostering inflation awareness as a means to enhance financial stability and informed decision-making, ensuring adaptability in a dynamic economic landscape.