Financial Literacy Competencies of Secondary Teachers: Basis for Program Design and Policy Implementation

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@article{1718168,
      author = {Jemril B. Merculio, Jesus Remar C. Dassun, DBA},
      title = {Financial Literacy Competencies of Secondary Teachers: Basis for Program Design and Policy Implementation},
      journal = {Iconic Research And Engineering Journals},
      year = {2026},
      volume = {9},
      number = {11},
      pages = {3669-3676},
      issn = {2456-8880},
      url = {https://www.irejournals.com/formatedpaper/1718168.pdf},
      abstract = {This study looked at public secondary school teachers' financial literacy skills in terms of budget prioritization, debt management, and financial planning. A standardized questionnaire with a five-point Likert scale was used to collect data from 183 teachers in particular public secondary schools in Pangasinan II using a descriptive-correlational research approach. The results showed that teachers have a high degree of financial control in their daily financial decision-making and are highly competent in handling urgent financial responsibilities, especially when it comes to setting priorities for necessary expenses and upholding disciplined debt habits. Their limited involvement in long-term financial strategies including investment planning, emergency fund creation, and retirement preparedness, however, is reflected in their somewhat lower level of financial planning competency. The study emphasizes how crucial it is to increase teachers' financial resilience because they are important role models for students' responsible financial behavior in addition to their own financial well-being. The study comes to the conclusion that although basic financial literacy abilities are well-developed, focused interventions are urgently needed to strengthen long-term financial planning competences to provide sustainable financial stability and better policy support for educators.},
      keywords = {Budget Prioritization, Debt Management, Financial Decision, Financial Literacy, Financial Planning, Investment Planning, Public Secondary School Teachers},
      month = {May},
      doi = {https://doi.org/10.64388/IREV9I11-1718168}
  }