Final Research
Final Research
Final Research
Proponents:
Abellar, Marvin A.
Villones, Novalyn C.
Vito , Teresa
ABSTRACT
Education is the most powerful weapon that individual could ever have.Indeed,
study is very essential for those students who are aiming a high grades, a
study were a are gaining knowledge about certain things. Furthermore, study
is a very percious and expensive for everyones' life. People have different
meaning about study and the importance of it in their lives. Studying is the
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only reason why many people had already succeed. The purpose of this study
High School- Integrated Senior High School. This research study examine the
This overview included both Socioeconomic Status and Cognitive Ability and
deviation of 0.23 and with the descriptive equivalent of sometimes then the
the gathered results in data it was that the socioeconomic status have the
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DEDICATION
Every challenging work needs a self efforts and hardworks as well as guidance
of elders especially those people who were very close to us and helped us. We
humbly dedicate this study to our respective families whose undying love and
guidance, support to made this research possible the fruits of our efforts. To
also to our polite respondents for their cooperation while conducting the
study. And the most of all to our great Almighty God the author of knowledge
and wisdom, the finisher of our faith who always look up secure and safe and
ACKNOWLEDGEMENT
made this research possible. I would like to thank also my research committe :
Novalyn C. Villones , Teresa Vito, Marvin Abellar, and myself Nielmar Jhon
Adorable. I would like to thank Novalyn C. Villones for sharing her knowledge
and for guiding us with revision. I would like to thank Marvin Abellar , and
Teresa Vito for the concerning to this research and all of the sugestions .
Indeed I would also like to thank to all of my groupmates who made this
Integrated Senior High School for allowing us to conduct the study of The
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each one of our families who supported us in our finances and guiding us and
ofcourse for allowing us to make this research possible and succesful. Also I
our study. And lastly I would like to thank to our Subject teacher who give this
tasks to do this research study as one of the best experienced ever to our lives
in Senior High eventhough it is very hard to create a research study but still
CONTENTS
Page
Abstract ...................................................................................................... 2
Dedication ................................................................................................... 3
Acknowledgement ..................................................................................... 4
Chapter 1
Introduction .................................................................................... 7
Rationale .......................................................................................... 7
5
Research objectives ......................................................................... 8
Hypothesis ........................................................................................ 9
Chapter 2
Method ............................................................................................. 22
Chapter 3
6
Chapter 4
Conclusion ....................................................................................... 35
Recommendation ............................................................................ 36
INTRODUCTION
Rationale
Education is the most powerful weapon that individual could ever have.
Indeed, study is very essential especially for those students who are aiming a high
grade, study where gain knowledge about certain thing. Furthermore, study is a very
precious and expensive for everyone's life. People have different meaning about
study and the importance of study in their lives. Studying is the only reason why
many people had already succeed. In addition, study is the most precious treasure
that a person could have. Academic performance is the extent to which students,
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teachers or institution has achieved their educational goals. Indeed, cognitive ability
can lead to improved learning and intention of the knowledge at present situation
studying with a good cognitive ability will help individuals arise and lead to the goal of
situation where money worries are causing you stress, many people are facing hard
This Study connects poverty low cognitive ability and it can conclude that
Financial chess affects poor individuals 10 more than well-off individuals. Here in
NNCHS especially SHS many students believe that socioeconomic status is having
an adverse effect on their study and also cognitive ability. These problems can seem
impossible to overcome, but you can get help and steps to improve your situation.
Many academic researchers in the fields of personal finance have chosen to define
the concept as “The ability to make informed and efficient judgement regarding the
As of now, as people experience crisis of money it can affects their Life, money is
not enough to provide in terms of their daily needs, indeed if the students cannot
afford their schools projects it can affect their grades and also if their money are not
enough it can give more effects on their behavior and performances. Nowadays
socioeconomic status. In order for them to be on top they have to step in the ladder
of success in short they have to take the risks. As the days goes by education
emphasize the socioeconomic status of Grade 11 Students. This study helps them to
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find a way and gives inspiration to solve these kind of problem to achieve their goal
Research objectives
specify, it aims:
Hypothesis
According to Julie Boehlke (Nov.02 2015) If you and your family facing
socioeconomic status, you conclude how to manage easiest way towards on your
finances. Many status financial issues are just short term effect by parent’s income
but if losing one income or work having an effect to the monthly budget or you get a
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external origins and start from different sectors. For chance, socioeconomic status
may occur no increase in income and if there is an increase in living cost. Unplanned
impotence to manage cost. College students are the first center of current study,
since they are the oncoming career, job strength contribution. In any rate, the
adults be the hottest subject today. The people’s ability to handle her/his personal
coffers have an important issue because people looking at variant aspect of their
finance affair. Most of people, financial affair has not longer looking like savings and
plans, and family future home. The basic sum of money decision also part of finance
by individuals.
low salary, overspending, heavy debts, spending behavior and lack of knowledge
about money. Socioeconomic Status is a reason why many people get a stress and
having a crisis. Not only difficult worried about the socioeconomic status, but also the
middle and higher income, people are no exception. Socioeconomic status is not
having the high salary may guarantee people, but it is their financial management.
Financial trouble starts when you have a problem with budgeting that
sometimes lead to a serious socioeconomic status. Now a day, there are factors that
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most of the family involved crisis. Socioeconomic status gives bad impact that some
people tempted especially whole family that their children affect their educational.
(Caldwen 2018).
One of the biggest problem of a students now a day is financially. Yet some
students find a way to support their needs. And sometimes students borrow too
much money while in school. According to Jonah Masud, he states there that one of
the biggest problem of a students is financially. With the proper educational support
about living independently with their parents and teachers. Young adults easily learn
from them, however parents often overlook teaching financial skills to show their
children on how to handle, savings their money for school needs. This study
that financial education they would be interested in if offered. (Janah Masud 2014).
Socioeconomic Status is the one causes stress that can affect your health
especially job performances, education and many more. Sometimes it can lead to
depression that a person finds a solution by suicide to solve much problem. (Hanafi
2011).
To avoid this kind of problem, make plans to ensure the things especially to
our education. Because some students are not mature enough to accomplished
budgeting and spending too much. But sometimes students much still have ability to
plan on how to properly use their money. In conclusion some students find out the
possible way so that they won't regret in future, students also must have taken an
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Money is one of the most deserve elements in people’s lives. Individuals not
only devoted much time to earning and disburses money, but they also develop
strong emotions and attitudes regarding its meaning and use. Socioeconomic Status
can affect your conditions, academic success but the value of education for students
from poor background is the reason why to changed their economic status and
family level without a deficient financial resources it can causes poverty especially
for the students and it will marginally mitigate when merely extends and affect
Academic performance is one of the most measured by the examination results and
one of the major goals of an institution. School are established with the aim of
imparting knowledge and skills to those students and behind all of this way of
enhancing and developing good cognitive ability. Student input and output are
admitted into the school with different admission points and from various school
skills and learning outcomes of students is seen through their cognitive ability. In
cited that social economic status is related to cognitive ability. There is substantial
support to assume that parent’s social economic status affects the student’s
cognitive ability. There is no difference between public school and private school in
Students are the most essential asset for any educational institution. The
social and economic development of the society is through with the student’s
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cognitive ability. Students performance or students’ academic achievement gives
significant rule in who will become a great leader and man power of society thus
responsible for the country's social and academic development. Students are the key
to success to the country and students are the key for the development of the society
factor which a student can improve his or her study attitudes and it is directly to
According to (Dr. Mihir Kumar Mallick 2016) that Cognitive Ability is one of the
most important target of education and has always been influenced by number of
students is the Centre around which the whole education system States. The
cognitive ability of any students. Parents have the very high expectations from their
children’s' cognitive ability as they believe that better cognitive ability results may
lead to a better career for future security. Cognitive Ability is the educational goal to
education to which a student and institution has achieved their educational target.
Students are the most essential asset for any educational institute. Indeed,
academic task has always been of special interest to educators, parents and society.
A number of studies have been carried out to distinguish the factors that affect
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According to (Zahoor Ahumad 2014) that cognitive ability depends on
academic interaction and academic interactions rely on study attitudes and home
environment. Students cognitive ability have been the area of interest for higher
education institute. Cognitive Ability is an essential factor in the success of the post
estimated for any student by its home environment and learning skills.
abilities. The new paradigm about performance that all students can learn at higher
levels but it should not be considered as constraint because there are different
factors affecting cognitive ability like race, low of financial, gender, sex that gives low
achievement economic circumstances are not improving in. This study helps the
student to contribute and find out inelastic behavior which affecting their performance
that makes progress in his or her studies. (Syed Tahir Hijazi and S.M.M.Raza Naqri
2006).
Cognitive Ability. The students have a different characteristic that will assume each
firm will use available inputs in the same way. Cognitive Ability does not always
reach to production forces in predictable manner. There are two core inputs on how
financial use which is ability and effort. Because if we manage and used this cores
we can also manage our study and cognitive ability to have an academic
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achievement and get a successful performance. In addition, there is no reason why
problem. They believed that financial concerns impacted their cognitive ability they
said that lack of financial may have different reasons like, unemployed parents and
uneducated that cause lower Cognitive Ability. Lack if financial gives financial stress
to reach of every student, it can also give big impact that can affect their behaviors
and perceptions. Indeed, it can also help or give a harmful effect on behavior of an
individual. When individual use a problem focused coping style. They attempt to alter
their relations with a stressor, one of the idea or strategy to increase their financial is
to reduce their experiences and know what are they needs and wants that important
of students has an environmental factor that diverse statistical tests were performed
students Cognitive Ability. Parental background did not have significant effect on the
influence reflect the student’s nature and played notable role in the academic
achievement. The study helps the students with their academic achievement
This study aimed to determine the impact of financial literacy on the level of
cognitive ability of students. In today's world the important thing is to manage our
personal finance because this is one of the way on how to achieve the educational
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achievement. Lack of financial management has been identified as one of the factors
that the students does not complete or accomplish higher education which affected
the cognitive ability. To provide our daily needs and wants we need to apply money
management so that it can help each individual and this is also one of the strategies
Financial can give big impacts to a student who are studying Because the
results clearly indicate that financial problem impacts student’s behavior and
performances. However, lack of money is one of the cause why students did not
participate in activities due to this problem. So that they believed that financial
status that cognitive ability though reducing their expenses, more handwork and
performance of students to make the students success parents must be involve and
encourage to reach out the parents by implementing practices that support parent’s
need to work together and share responsibilities for their student’s cognitive ability
and for each mutual goals. The connection of socioeconomic status to a cognitive
ability is to create Barrie's for their student’s achievements that why we need to have
a moral support from our parents for our success. (Dikgale Margaret Mosibudi 2012).
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According to Reindolf Yao Nawi Adzido, Oliver Edward Dzogbede, Emmanuel
Ahiave Onesimus Kwashic Dorkpah 2014 at this moment one of the major problem
in our society is financial so that we found little correlation between income and
cognitive ability. It shows that financial status has a very small and insignificant effect
on students educational Attainment. One of the major factor why student cannot
perform better is Family Income Because it limits both our educational Attainment
and Cognitive Ability, so that we need to a good Financial support from our parents
for our education to motivate students and perform better. Low income is a predictor
of the level of cognitive ability that can cause alienation and dropout of students. The
differences between the students has a low is performing poorly them those richer
families.
Finance are affecting students Cognitive Ability Because for now the students
who did live close to their lecture venues usually walk in a long distance on foot due
to socioeconomic status that gives a big impact on their study. Financial affects
Cognitive Ability even their Ability to find employment after graduation. The poor
economic conditions affecting damage self -Esteem and can result in depression,
drug and violence which contribute to the high suicide rate. One of the cause of low
financial is absenteeism because many students cannot afford the essential learning
material like textbooks, secondly a student who takes much everyday so that may
lead the student’s absenteeism and trying to meet their needs. That’s why we need
to help each of every student who are lack of financial to make their study success.
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As of now a recent report noted that the parents are more in the process of
imparting educational knowledge excel their Academic career and often more
productive in our society. Indeed, there are other reports that indicate parent’s
education and family income that shows children from parents who are professional
Academic Achievement or Performance Because they are easily get the learning
materials that needed. Indeed, it also affect their cognitive ability and they cannot
confidence for their cognitive ability and achievement even though their financial are
2017).
Theoretical Framework
Financial theory education according to (Chang 2005), this theory states that
we must help students improved their critical thinking by evaluating necessary issues
conceptually and logically. It is such a critical thinking skills that enable students to
involve in '' Process Learning'' which in turn enable the students to changes happen
important for us to equip our children with the financial literacy skills to be a critical
thinker that they need to make a wise decision on how they spend and save their
before college may create bad influence or bad/poor behavior towards financial
management that could be ease through financial education during college. Financial
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management influences that experience or socialization deserves and cognitive
cognitive ability of students. In today's world the important thing is to manage our
personal finance because this is one of the way on how to achieve the educational
achievement. Lack of financial management has been identified as one of the factors
that the students does not complete or accomplish higher education which affect the
IV DV
Conceptual Framework
which is the socioeconomic status which contains of one dimensions which is:
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total measures every person's job experience of individuals economic and social
society. In addition, low income and education could be strong predictors of a range
of physical and also mental health problems. Parental income defined as the any
income of family receive. It also refers to the alignment with the definition of family’s
scheme income, furthermore it refers daily income of the family. Indeed, parental
income refers to earned money from their investment, business and works. Money
include critical areas in financing like investments and budgeting, it also defined an
act or skill process of deciding or controlling how to use the money in a good way.
Money management is considered one of the significant solution for the family that
has no any idea how to manage their financial assets towards their needs and
desires. It is a strategy used to ensure money where will it be needed. And have
essentials roles of managing money. This implies that a person without the money
While the dependent variable is the cognitive ability in cognitive ability refers to how
processes of every human action. In addition, cognitive ability also refers individual’s
hand, cognitive abilities or skill are brain-based skills we need to carry it out any task
in order to develop and gain more knowledge. It also refers to an experiences and
environment or how much they know about the world. Cognitive ability explains the
and develop your memory. (Treena Eilleen Ronde, Lee Anne Thompson).
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Significance of Study
As its affects the study and academic of Senior High School students in
Nabunturan National Comprehensive High School. This study may helpful both
implement programs and policies to improve the study and as well as students’
academic performance. Also, this will be one of the bases of teachers on how they
come up with the students and for them to motivate, encourage and improve the
In addition, this will help the parents to understand their role as a counter part of
can use the outcomes of the study to figure out student’s problem. It may also bring
Definition of terms
worries are causing a stress, many people are facing hard financial times and the
As used in this study, Cognitive Ability refers to a grades for their cognitive
ability and it will refer to the level of schooling you have successfully completed and
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Chapter 2
METHOD
This chapter gives a description of the research method and the procedure
of the study, which includes the sampling technique, the research instruments and
statistical tools.
Research design
process in which numerical data are used to obtain information about the variables.
(Lamar 2005).
which is student's Cognitive Ability. The data collected to the students in NNCHS-
of research in which you have two or more qualitative variables. The main purpose of
this study is to determine which domain in Socioeconomic Status that affects the
Research Locale
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Municipality of Montevista and Municipality of Mawab. It is composed of twenty-eight
Nabunturan.
The respondents of this study were the Grade 11 students in the selected of
Senior High School to wit: Edison, Mendel, Newton, Fleming and Galilei.
A random sampling was used in selecting the respondents. Below is the distribution
of Respondents.
Edison 67
Mendel 58
Newton 37
Fleming 61
Galilei 62
Total 285
Research Instrument
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We as a researcher we made a questionnaire to gathered data. There are two
(2) sets will be prepared by the researcher first is to determine the level of financial
set is to find out the cognitive ability of students in the selected sections of Grade 11
SHS students of NNCHS which include the cognitive ability. The first questionnaire is
for independent variable consisted of ten (10) questions in each indicator. Using the
Likert scale, 10 is the highest and 0 is the lowest for the first questionnaire.
The second questionnaire is consisted also of ten (10) questions using the Likert
students is Always.
student is High.
students is Low.
were utilized.
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8.1-10.0 Very High This means that the Cognitive Ability of
students is High.
students is Low.
The Questionnaire for independent variable was pilot tested to 30 students and
undergo Cronbach’s Alpha with 0.746 which means accepted. The questionnaire for
dependent variable was pilot tested to 30 students also for test item analysis.
Permission to conduct the study. The researcher prepared and asked from
the assistant Principal of Senior High in NNCHS through a letter and conveying the
Administration and Retrieval at questionnaire: when the request was granted, the
interview to the respondent of the study. Prior to the answering questionnaire, the
introduction was given to ensure honestly, clear and complete answer. And each of
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item of the form was explained clearly for the students to be able to understand the
questions.
To ensure that the questionnaire serves its purpose the researcher personally
the respondents were checked and consolidated through Microsoft excel file.
The researcher interpreted and analyzing the results based on the aim of the study.
The responses to the items in the research -made questionnaire was and
Average weighed mean. This tool was used to determine and identity the
Person-r or Product Moment Correlation. This test was used to determine the
significant relationship between the level of socioeconomic status and the level of
Chapter 3
RESULTS
socioeconomic status and cognitive ability of the students. The overall mean is 1.90
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and a standard deviation of 0.23 with a descriptive equivalent of sometimes. This
means that the level of the students in terms of Socioeconomic status is much
As reflected in Appended Table 1.1 it shows that I study only when there is a
quiz got a highest mean of 2.19, standard deviation of 0.59 and with a description
followed with a mean of 2.09, standard deviation of 0.60 and a description equivalent
of sometimes. The third highest mean is Feeling hungry in class with a mean of 1.99,
highest mean is I study only when I like with a mean of 1.99, standard deviation of
0.58 and a description equivalent of sometimes. The fifth highest mean is Teacher
gives to much memory work with a mean of 1.97, standard deviation of 0.53 and a
equivalent of sometimes. The seventh highest mean is Teacher discuss many topics
in a short period of time with a mean of 1.93, standard deviation of 0.48 and a
summative after discussion with a mean of 1.93, standard deviation of 0.62 and a
class with a mean of 1.90, standard deviation of 0.42 and a description equivalent of
sometimes. The tenth highest mean is I am lazy to study with a mean of 1.90,
highest mean is I feel bored, tired and sleepy with a mean of 1.89, standard
mean is I have no time to study at home with a mean of 1.73, standard deviation of
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0.58 and a description equivalent of sometimes. The thirteenth highest mean is
Difficulty in seeing with a mean of 1.57, standard deviation of 0.62 and a description
equivalent of sometimes. The lowest mean is Teacher is always late with a mean of
by Teacher is frequently out/ absent from class with a mean of 1.41, standard
Indicators Mean
SD Description
_______________________________________________________________
Socioeconomic Status 1.90
0.23 Sometimes
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3. Difficulty in seeing. 1.57 0.62 Sometimes
11. Teacher discuss many topics in a short period of time. 1.93 0.48 Sometimes
12. Teacher gives too much memory work. 1.97 0.53 Sometimes
13. Teacher is frequently out/ absent from class. 1.41 0.54 Seldom
NNCHS in terms of Cognitive Ability the means of Cognitive Ability is 2.09 and the
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standard deviation of 0.27 which means that Cognitive ability of students is
sometimes.
things got a highest mean of 2.45, standard deviation of 0.55 and with a description
equivalent of sometimes. The second highest mean is Purposefully doing fun things
that I like when I am feeling badly with a mean of 2.33, standard deviation of 0.58
and a description equivalent of sometimes. The third highest mean is Notice when I
start to feel more distressed with a mean of 2.26, standard deviation of 0.54 and a
activity instead of a harmful behavior with a mean of 2.23, standard deviation of 0.63
description equivalent of sometimes. The sixth highest mean is Keep track of the
0.51 and a description equivalent of sometimes. The seventh highest mean is Plan
my time during the week with a mean of 2.08, standard deviation of 0.64 and a
description equivalent of sometimes. The eighth highest mean is Identify risk factors
for relapse with a mean of 2.06, standard deviation of 0.58 and a description
equivalent of sometimes. The ninth highest mean is Identify stressor that led me into
treatment with a mean 2.05, standard deviation of 0.47 and a description equivalent
of sometimes. The tenth highest mean is I am lazy to study with a mean of 2.01,
highest mean is Plan activities for the weekends with a mean of 1.96, standard
mean is Challenge my thoughts with a mean of 1.92, standard deviation of 0.56 and
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a description equivalent of sometimes. The thirteenth highest mean is Plan my time
during the week with a mean of 1.90, standard deviation of 0.48 and a description
patterns at the time that I have them with a mean of 1.89, standard deviation of 0. 52
that make my symptoms worse with a mean of 1.17, standard deviation of 0.58 and
Legend:
3 – Always
2 - Sometimess
1 – Seldom
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1. Plan activities for the weekends. 1.96 0.58 Sometimes
3. Purposefully doing fun things that I like when I am feeling badly. 2.33 0.58 Sometimes
5. socialize even though I don’t feel like it. 1.90 0.48 Sometimes
11. Notice when I start to feel more distressed. 2.26 0.54 Sometimes
13. Identify stressor that led me into treatment. 2.01 0.55 Sometimes
14. Catch my negative thought patterns at the time that I have 1.89 0.52 Sometimes
them.
15. Keep track of the signs and symptoms of my conditions. 2.09 0.51 Sometimes
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Table 3 Shows that there is significant relationship between Socioeconomic
Status and Cognitive Ability of students. The r- value of the socioeconomic status is
.191 with p- value of .012 that shows a positive correlation of 3.6 %. And the r- value
of cognitive ability is also .191 with p-value of .012 that shows a positive correlation
of 3.6 %.
Cognitive Ability
HO
p< 0.005
CHAPTER 4
Discussion
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In the previous chapter, it was found out that in table 1 which is the level of
socioeconomic status sometimes observe by the students. This means that the level
and school, not only in academic achievement but in home resources and social
capital that is strongly support the relationship of it's structural forces (ex: Parent-
school collaboration) that empose the sharing with norms and values which is
sometimes. This means that the level of students cognitive ability is sometimes
observed and good enough. It also shows that socioeconomic status can affect the
According to (Linwang). It stated there that this study verified evidences that
their that many countries found out poor financial status was associated with worse
socioeconomic status and cognitive ability of students. The computed person r-value
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ability and there is a positive correlation between variables. According to (Annie
Londregan 2016) states that socioeconomic status have high correlation between
cognitive ability and it has been proved in multiple studies. The students believe that
they are only good enough in meeting the low standard that they set for them
shown that low socioeconomic status may overcome many challenges such actively
go with in study or reading time, less do everything like watching TV that affect our
study, because being active and participative is the importance if you care studying.
Many parents demonstrated and thier students what to do and try their best to
achieve their goals in life. Indeed, by informing parents to their Students is one of the
techniques why students achieved. However teachers can help to build core skills in
the students, which may help to get the attention of students, focus their minds, and
also to develop more their self-esteem. All this skills in the students essential lives
with a positively, students may feel like good and happy because they overcome all
Conclusion
status have the significant relationship with the cognitive ability in terms of identifying
and evaluating the respondents side in the questions in the survey. Through the
survey that we already conducted it proves that socioeconomic status has totally
reflected to the students cognitive ability. The researchers conclude that theirs
35
socioeconomic status and cognitive ability and there is a positive correlation between
variables.
is one of the techniques why students successfully achieved and build their core
skills. Students success within the socioeconomic status attributed to their individual
Recommendation
After careful consideration of the findings and conclusion of the study, the
researcher hereby recommends that Socioeconomic status give more emphasis on:
cognitive skills to be more active in their studies. Special attention showed be put at
insufficient and scarcity to meet their needs. It is because that socioeconomic status
must be prioritized nowadays. Teachers and parents must encourage the students
and their children to study hard to be more active in school. If they are not work for
their perspective in their mind in every aspect of their life. And also it implies that
recommended there that students will not only going to school but participating in
every activity and shows sensitivity to their studies and considerations for them to be
more knowledgeable.
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