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ISSN 2278-2540 | DOI: 10.51583/IJLTEMAS | Volume XV, Issue IV, April 2026
Predicting Financial Satisfaction Based on the Savings Behavior of
Selected Employees at Phinma Araullo University
Castillo, Manuel P
1
., Aguilar
2
, Marivic T. Bondoc
3
, Kyla Marie V.
4
, Buenaventura, Rainer S
5
, Garcia,
Lei Ann L
6
., Gutierrez, Heart Jean L
7
., Luna, Lady Lyn P.
8
, Tamayo, Janelle D.
9
College of Management and Accountancy Araullo University
DOI:
https://doi.org/10.51583/IJLTEMAS.2026.150400023
Received: 04 April 2026; 09 April 2026; Published: 02 May 2026
ABSTRACT
This study aimed to determine how savings behavior predicts the financial satisfaction of selected employees in
PHINMA Araullo University. Specifically, it examined the respondents’ demographic profile, level of financial
satisfaction in terms of current consumption ability, wealth accumulation, precautionary savings, and future
income expectations, as well as their savings behavior in terms of attitude toward saving, subjective norms,
perceived behavioral control, and saving intention. A quantitative descriptive-correlational design was
employed, involving 231 teaching employees selected through stratified random sampling. Data were gathered
using a structured questionnaire and analyzed using frequency, percentage, weighted mean, Pearson correlation,
ANOVA, and regression analysis. Findings revealed that respondents demonstrated a moderate level of financial
satisfaction and a positive level of savings behavior. Monthly income showed a significant relationship with
financial satisfaction, while civil status significantly influenced both financial satisfaction and savings behavior.
Regression analysis confirmed that savings behavior significantly predicts financial satisfaction (R² = 0.506).
The study concludes that strengthening savings behavior can improve employees’ financial well-being. It
recommends implementing financial wellness programs, savings initiatives, and institutional support systems to
enhance financial stability among employees.
Keywords: Financial Satisfaction, Savings Behavior, Employees, Regression Analysis, Financial Well-being
INTRODUCTION
In today’s economic environment, employees face increasing financial pressure due to rising living costs and
limited income growth. As a result, effective savings behavior has become essential in achieving financial
stability and satisfaction. Financial satisfaction refers to an individual’s sense of security and contentment with
their financial condition, while savings behavior reflects how individuals manage, allocate, and preserve their
income for future use.
Despite awareness of the importance of saving, many employees struggle to maintain consistent saving habits.
This gap highlights the need to examine how savings behavior influences financial satisfaction. Anchored on the
Theory of Planned Behavior (Ajzen, 1991) and the Life Cycle Hypothesis, this study investigates how behavioral
and financial factors interact to shape employees’ financial well-being.
Goals of the study
This study aimed to predict the financial satisfaction of selected employees in PHINMA Araullo University
based on their savings behavior. Specifically, it sought to achieve the following objectives:
1. To describe the demographic profile of the respondents in terms of age, gender, civil status, monthly
income, and employment status.
2. To assess the level of financial satisfaction of the respondents in terms of current consumption ability,
wealth accumulation, precautionary savings, and future income expectations.
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3. To determine the level of saving behavior of the respondents in terms of attitude toward saving, subjective
norms, perceived behavioral control, and saving intention.
4. To determine whether a significant relationship exists between age and monthly income and the level of
financial satisfaction and savings behavior of the respondents.
5. To determine whether a significant difference exists in financial satisfaction and savings behavior when
respondents are grouped according to gender, civil status, and employment status.
6. To determine whether savings behavior significantly predicts the financial satisfaction of the
respondents.
Hypothesis
Ho1. There is no significant relationship among age, monthly income with the level of financial Satisfaction and
Savings Behavior.
Ho2. There is no significant difference among gender, civil status and employment status with the level of
financial Satisfaction and savings Behavior.
Ho3. Savings behaviors not significantly predict the overall financial satisfaction PHINMA Araullo University
employees.
METHODOLOGY
The study employed a descriptive-correlational research design to examine the relationships and predictive
effects between savings behavior and financial satisfaction among the respondents. This design was appropriate
as it allowed the researcher to describe existing conditions and determine the degree of association between
variables without manipulating them.
The respondents of the study consisted of 231 teaching employees, who were selected using stratified random
sampling to ensure fair representation from different groups within the population. Data were gathered using a
researcher-made questionnaire composed of 40 items, structured using a four-point Likert scale to measure both
financial satisfaction and savings behavior.
To analyze the collected data, several statistical tools were utilized. Frequency and percentage were used to
describe the demographic profile of the respondents, while the weighted mean was applied to determine the level
of financial satisfaction and savings behavior. Furthermore, Pearson correlation was employed to identify
significant relationships between variables, Analysis of Variance (ANOVA) was used to test differences among
groups, and regression analysis was conducted to determine the predictive effect of savings behavior on financial
satisfaction.
The data were collected through the personal distribution of questionnaires to the respondents. Ethical
considerations were strictly observed by ensuring voluntary participation, maintaining confidentiality, and
protecting the anonymity of all participants throughout the study.
RESULTS AND DISCUSSION
Part 1. Profile of the respondents
The table presented the profile of the respondents in terms of age, gender, civil status, monthly income, campus
department, and employment status. These characteristics provided a general overview of the participants and
served as a basis for understanding their financial satisfaction and savings behavior.
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Age
Frequency
Percent
Below 18
1
0.4
18-24
52
22.5
25-34
153
66.2
35-44
6
2.6
45 And above
19
8.2
Total
231
100
Gender
Frequency
Percent
Male
102
44.2
Female
129
55.8
Total
231
100
Civil Status
Frequency
Percent
Single
171
74
Married
49
21.2
Widowed
10
4.3
Divorced/separated
1
0.4
Total
231
100
Monthly income
Frequency
Percent
Below 10,000
3
1.3
10,001-20,000
23
10
20,001-30,000
165
71.4
30,001-40,000
32
13.9
Above 40,000
8
3.5
Total
231
100
Campus
Frequency
Percent
Main
173
74.9
South
20
8.7
San Jose
38
16.5
Total
231
100
Department
Frequency
Percent
CAS
45
19.5
CMA
29
12.6
CCJE
52
22.5
CAHS
34
14.7
CELA
24
10.4
SHS
23
10
CIT
9
3.9
COE
15
6.5
Total
231
100
Employment Status
Frequency
Percent
Regular
32
13.9
Contractual
192
83.1
Part-Time
7
3.0
Total
231
100
In terms of age, the majority of the respondents were within the 25–34 age group, comprising 153 or 66.2% of
the total sample. This indicated that most respondents were in their early to mid-career stage, where financial
responsibilities and saving practices were more prominent. This was followed by respondents aged 18–24 with
52 or 22.5%, while those aged 45 and above accounted for 19 or 8.2%. Only a small number of respondents
belonged to the 35–44 age group (2.6%) and below 18 (0.4%), showing minimal representation in these
categories.
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In terms of gender, the findings showed that female respondents dominated the sample with 129 or 55.8%, while
male respondents accounted for 102 or 44.2%. This suggested a slightly higher representation of female
employees in the study.
With regard to civil status, most of the respondents were single, with 171 or 74% of the total population. Married
respondents followed with 49 or 21.2%, while widowed respondents comprised 10 or 4.3%. Only one respondent
or 0.4% was classified as divorced or separated. This indicated that the majority of the respondents had fewer
family-related financial obligations.
In terms of monthly income, the majority of respondents fell within the ₱20,001–₱30,000 bracket, with 165 or
71.4%. This was followed by those earning ₱30,001–₱40,000 at 13.9%, and ₱10,001–₱20,000 at 10%. Only a
small percentage earned above ₱40,000 (3.5%) and below ₱10,000 (1.3%). This indicated that most respondents
belonged to the middle-income group.
Regarding campus, the majority of respondents came from the Main Campus, with 173 or 74.9%. The San Jose
Campus followed with 38 or 16.5%, while the South Campus had the least representation with 20 or 8.7%. This
showed that most data were gathered from the central campus of the university.
In terms of department, the highest number of respondents came from the College of Criminal Justice Education
(CCJE) with 52 or 22.5%, followed by the College of Arts and Sciences (CAS) with 45 or 19.5%, and the College
of Allied Health Sciences (CAHS) with 34 or 14.7%. Other departments such as CMA, CELA, SHS, COE, and
CIT also contributed to the sample, indicating a diverse representation across academic units.
Lastly, for employment status, the majority of respondents were contractual employees, with 192 or 83.1%.
Regular employees accounted for 32 or 13.9%, while part-time employees comprised only 7 or 3.0%. This
indicated that most respondents were under contractual employment, which may have influenced their financial
behavior and level of financial satisfaction.
Part 2. level of financial satisfaction of the respondents
The table presented the level of financial satisfaction of the respondents in terms of current consumption ability,
wealth accumulation, precautionary savings, and future income expectations. The results were measured using
the weighted mean standard deviation and interpreted based on the given scale.
Wealth Accumulation
W.M.
V.D.
1.
I have built enough savings and assets to feel secure about my financial
future.
2.51
A.
2.
My saving and investment practices contribute to my long-term
financial stability.
2.57
A.
3.
I am gradually reducing my debts while increasing my personal assets.
2.91
A.
Current Consumption Ability
W.M.
V.D.
1.
I can consistently manage my monthly expenses without experiencing financial
strain.
2.82
A.
2.
My spending habits allow me to balance essential needs with occasional
personal wants.
2.92
A.
3.
I can maintain my current standard of living without relying on loans or
external financial help.
2.93
A.
4.
My income sufficiently supports both my personal and family’s daily needs.
2.85
A.
5.
I am able to manage both planned and unforeseen expenses while keeping my
finances stable.
2.86
A.
A.W.M
2.88
A.
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4.
My financial position has improved compared to previous years.
2.95
A.
5.
My growing savings and investments enhance my overall financial
well-being.
2.74
A.
A.W.M.
2.74
A.
Precautionary Savings
W.M.
V.D.
1.
I have set aside sufficient funds to sustain myself during financial
emergencies.
2.69
A.
2.
My precautionary savings help me handle unexpected family or
household expenses without disrupting my budget.
2.68
A.
3.
I can manage emergencies without resorting to borrowing or loans.
2.68
A.
4.
Having emergency savings gives me peace of mind during times of
uncertainty.
2.85
A.
5.
My precautionary funds can adequately support my family and me
during financial crises.
2.71
A.
A.W.M.
2.72
A.
Future Income Expectation
W.M.
V.D.
1.
I am confident that my future income will allow me to maintain a
comfortable lifestyle.
2.85
A.
2.
My expected earnings will be enough to meet both personal and family
financial needs.
2.77
A.
3.
I believe that my job performance and career growth will lead to higher
future income.
2.99
A.
4.
Anticipated income growth will give me greater flexibility and
freedom in managing my finances.
3.00
A.
5.
I expect my future income to enable me to achieve both personal and
family goals
3.02
A.
A.W.M.
2.93
A.
Legend: 3,25-4.00 Strongly Agree (S.A.), 2.50-3.24 Agree(A), 1.75-2.49 Disagree(D), 1.00-1.74 Strongly
Disagree (S.D.), Weighted Mean (WM), Standard Deviation (SD)
In terms of current consumption ability, the respondents generally demonstrated a satisfactory level with an
average weighted mean of 2.88 (Agree). The highest mean was obtained from the statement that they could
maintain their standard of living without relying on loans (W.M. = 2.93), indicating financial independence in
daily living. Meanwhile, the lowest mean was recorded in managing monthly expenses without financial strain
(W.M. = 2.82), showed that some respondents still experienced minor financial pressures. The findings indicated
that respondents were capable of managing their daily expenses, although occasional financial challenges were
still present.
With regard to wealth accumulation, the respondents also showed a satisfactory level with an average weighted
mean of 2.74 (Agree). The highest mean was noted in the improvement of financial position over time (W.M. =
2.95), indicating progress in their financial condition. However, the lowest mean was observed in having enough
savings and assets for future security (W.M. = 2.51), suggesting that not all respondents felt fully financially
secure. This implied that while respondents were gradually building wealth, there was still a need to strengthen
long-term savings and investment practices.
In terms of precautionary savings, the results revealed a satisfactory level with an average weighted mean of
2.72 (Agree). The highest mean was associated with having peace of mind due to emergency savings (W.M. =
2.85), indicating the importance of financial security in times of uncertainty. On the other hand, the lowest means
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were related to managing emergencies without borrowing (W.M. = 2.68), showing that some respondents still
relied on external sources during financial crises. This suggested that although respondents had some emergency
funds, their financial preparedness could still be improved.
Lastly, for future income expectation, the respondents showed a relatively higher level of satisfaction with an
average weighted mean of 2.93 (Agree). The highest mean was recorded in expecting future income to achieve
personal and family goals (W.M. = 3.02), reflecting optimism about future financial stability. The lowest mean
was observed in meeting both personal and family needs (W.M. = 2.77), indicating slight uncertainty among
some respondents. The findings showed that respondents were generally optimistic about their future income,
which contributed positively to their financial satisfaction.
Part 3. level of saving behavior of the respondents
This section presented the level of saving behavior of the respondents in terms of attitude toward saving,
subjective norms, perceived behavioral control, and intention to save. The results were measured using the
weighted mean and interpreted based on the given scale.
Attitude Towards Saving
S.D.
V.D.
1.
I believe that regularly saving a portion of my income is essential for
achieving financial independence.
0.73
A.
2.
I consider saving money a wise financial practice that promotes long-term
stability and security.
0.70
A.
3.
I believe that starting a saving habit early in one’s career contributes to
future financial success.
0.67
A.
4.
I view saving as a meaningful way to track progress toward my financial
goals.
0.66
A.
5.
I believe that consistent saving enhances my sense of financial control and
self-reliance.
0.63
A.
A.W.M.
0.62
A.
Subjective Norms
S.D.
V.D.
1.
My decision to save is influenced by the encouragement and expectations
of my family and peers.
0.76
A.
2.
I am motivated to save when I observe colleagues or friends who manage
their finances responsibly.
0.69
A.
3.
I feel socially expected to save as part of being a financially responsible
professional.
0.68
A.
4.
I am inspired to save when I see the positive financial outcomes
experienced by people I admire.
0.72
A.
A.W.M.
0.63
A.
Perceived Behavioral Control
S.D.
V.D.
1.
I am confident in my ability to save regularly despite other financial
commitments.
0.66
A.
2.
I have the discipline to adjust my spending habits to ensure that I can set
aside savings each month.
0.72
A.
3.
I possess the financial knowledge and tools needed to manage my money
effectively.
0.70
A.
4.
I believe I have full control over my financial decisions, including my
ability to save consistently.
0.66
A.
5.
I can overcome financial challenges because I am committed to
maintaining my saving habits.
0.71
A.
A.W.M.
0.58
A.
Intention to save
S.D.
V.D.
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1.
I intend to celebrate key milestones in my savings journey to stay
motivated.
0.66
A.
2.
I am committed to maintaining my savings even when my income or
expenses change.
0.65
A.
3.
I plan to strengthen my saving habits by setting clear and realistic financial
goals.
0.61
A.
4.
I aim to review my finances regularly to monitor progress toward my
savings objectives.
0.60
A.
5.
I intend to prioritize saving over non-essential spending as part of my
financial discipline.
0.65
A.
A.W.M.
0.53
A.
Legend: 3,25-4.00 Strongly Agree (S.A.), 2.50-3.24 Agree(A), 1.75-2.49 Disagree(D), 1.00-1.74 Strongly
Disagree (S.D.), Weighted Mean (WM), Standard Deviation (SD)
In terms of attitude toward saving, the respondents demonstrated a high level with an average weighted mean of
3.16 (Agree). The highest mean was obtained from the statement that consistent saving enhances financial
control and self-reliance (W.M. = 3.20), indicating that respondents strongly recognized the importance of saving
in achieving financial independence. Meanwhile, the lowest means were observed in viewing saving as essential
and as a wise financial practice (W.M. = 3.13), although still interpreted as Agree. Overall, the findings showed
that respondents possessed a positive mindset toward saving, which served as a strong foundation for sound
financial behavior. With regard to subjective norms, the respondents also exhibited a high level with an average
weighted mean of 3.08 (Agree). The highest mean was noted in being inspired to save when observing positive
financial outcomes of others (W.M. = 3.14), suggesting that role models and social influence played a significant
role in shaping saving behavior. On the other hand, the lowest mean was recorded in the influence of family and
peers (W.M. = 3.01), indicating that while social influence existed, it was slightly less pronounced compared to
other factors. This implied that respondents were influenced by their social environment in developing saving
habits.
In terms of perceived behavioral control, the respondents showed a high level with an average weighted mean
of 2.95 (Agree). The highest mean was obtained from confidence in saving regularly despite financial
commitments (W.M. = 3.02), indicating that respondents believed in their ability to manage their finances.
However, the lowest mean was observed in overcoming financial challenges while maintaining saving habits
(W.M. = 2.91), suggesting that some respondents faced difficulties in sustaining saving behavior during financial
constraints. Overall, the results indicated that respondents generally felt capable of controlling their financial
decisions, although challenges still existed. Lastly, for intention to save, the respondents demonstrated a high
level with an average weighted mean of 3.11 (Agree). The highest means were recorded in setting clear financial
goals and regularly reviewing finances (W.M. = 3.14), indicating a strong commitment to improving saving
practices. The lowest mean was observed in maintaining savings despite changes in income or expenses (W.M.
= 3.06), suggesting minor difficulties in consistency. Overall, the findings showed that respondents had a strong
intention to save, supported by goal-setting and financial discipline.
Part 4. Significant relationship between age and monthly income and the level of financial satisfaction and
savings behavior of the respondents.
Correlations
Age
Monthly income
Current consumption
ability
Pearson Correlation
0.076
.149*
Sig. (2-tailed)
0.249
0.024
N
231
231
Wealth accumulation
Pearson Correlation
-0.047
0.067*
Sig. (2-tailed)
0.479
0.014
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N
231
231
Precautionary savings
Pearson Correlation
-0.049**
0.081*
Sig. (2-tailed)
0.001
0.023
N
231
231
Future income expectations
Pearson Correlation
-0.111**
-0.044*
Sig. (2-tailed)
0.004
0.008
N
231
231
** Correlation is significant at the 0.01 level (2-tailed).
* Correlation is significant at the 0.05 level (2-tailed).
The results revealed that age had no significant relationship with current consumption ability and wealth
accumulation, as indicated by p-values greater than 0.05; thus, the null hypothesis was accepted for these
variables. However, age showed a significant relationship with precautionary savings and future income
expectations (p < 0.05), leading to the rejection of the null hypothesis.
On the other hand, monthly income showed significant relationships with all dimensions of financial satisfaction,
including current consumption ability, wealth accumulation, precautionary savings, and future income
expectations (p < 0.05). Therefore, the null hypothesis was consistently rejected for monthly income.
The findings indicated that monthly income played a more significant role than age in influencing financial
satisfaction and savings behavior among the respondents
Part 5. Significant difference in financial satisfaction and savings behavior when respondents are grouped
according to gender, civil status, and employment status.
5.1 Significant difference between gender with the level of financial Satisfaction and savings Behavior
ANOVA
df
F
Sig. (2-tailed)
Interpretation
Decision
Attitude toward
savings
230
0.085
0.919
There is no
significant
difference
Accept the null
hypothesis
Subjective
norms
230
0.137
0.872
There is no
significant
difference
Accept the null
hypothesis
Perceived behavioral
control
230
0.388
0.679
There is no
significant
difference
Accept the null
hypothesis
Precautionary
savings
230
0.333
0.717
There is no
significant
difference
Accept the null
hypothesis
The results showed that there was no significant difference in the level of financial satisfaction and savings
behavior when respondents were grouped according to gender, as all p-values were greater than 0.05.
Specifically, attitude toward saving, subjective norms, perceived behavioral control, and precautionary savings
did not vary significantly between male and female respondents.
Thus, the null hypothesis was accepted, indicating that gender did not significantly influence the financial
satisfaction and savings behavior of the respondents.
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Significant difference between civil status with the level of financial Satisfaction and savings Behavior
ANOVA
df
F
Sig.
(2-tailed)
Interpretation
Decision
Attitude toward
savings
230
15.122
0.002
There is significant
difference
Reject the null
hypothesis
Subjective
norms
230
16.019
0.001
There is significant
difference
Reject the null
hypothesis
Perceived behavioral
control
230
10.318
0.000
There is significant
difference
Reject the null
hypothesis
Precautionary
savings
230
3.994
0.008
There is significant
difference
Reject the null
hypothesis
The results revealed that there was a significant difference in the level of financial satisfaction and savings
behavior when respondents were grouped according to civil status, as all p-values were less than 0.05.
Specifically, attitude toward saving, subjective norms, perceived behavioral control, and precautionary savings
showed significant variations across civil status groups.
Thus, the null hypothesis was rejected, indicating that civil status significantly influenced the financial
satisfaction and savings behavior of the respondents
Significant difference between employment status with the level of financial Satisfaction and savings Behavior
ANOVA
df
F
Sig. (2-tailed)
Interpretation
Decision
Attitude toward
savings
230
0.217
0.805
There is no
significant
difference
Accept the null
hypothesis
Subjective
norms
230
0.401
0.67
There is no
significant
difference
Accept the null
hypothesis
Perceived
behavioral
control
230
4.552
0.012
There is a
significant
difference
Reject the null
hypothesis
Precautionary
savings
230
1.059
0.348
There is no
significant
difference
Accept the null
hypothesis
The results showed that there was no significant difference in attitude toward saving, subjective norms, and
precautionary savings when respondents were grouped according to employment status, as their p-values were
greater than 0.05. Thus, the null hypothesis was accepted for these variables.
However, perceived behavioral control showed a significant difference (p = 0.012), indicating that respondents’
ability to manage and control their saving behavior varied across employment status. Therefore, the null
hypothesis was rejected for this variable.
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The findings indicated that employment status influenced only perceived behavioral control, but not the other
aspects of financial satisfaction and savings behavior.
Part 6. Savings behaviors significantly predict the financial satisfaction of the respondents
R
2
df
F-value
Standardized
Coefficients
t- value
Sig. (2-tailed)
Regression
0.506
2
47.014
(Beta)
0.000
Residual
88
Total
90
(Constant)
Financial satisfaction
0.827
7.479
0.000
Predictors: (Constant), Savings behavior
The table presents the regression analysis determining whether savings behavior significantly predicts financial
satisfaction of the respondents. The results show an R² value of 0.506, which indicates that 50.6% of the variation
in financial satisfaction can be explained by savings behavior. This suggests that savings behavior is a strong
contributing factor to the financial satisfaction of the respondents.
The overall model is statistically significant, as evidenced by the F-value of 47.014 with a p-value of 0.000. This
implies that the regression model provides a good fit to the data and that savings behavior significantly
contributes to predicting financial satisfaction. The degrees of freedom in the model should be interpreted as df
= (1, 88), indicating one predictor variable and 88 residual degrees of freedom.
Looking at the individual predictor, savings behavior has a standardized beta coefficient of 0.827, with a
corresponding t-value of 7.479 and p-value of 0.000. This indicates a strong and positive relationship between
savings behavior and financial satisfaction. In practical terms, this means that respondents who exhibit better
savings behavior tend to have higher levels of financial satisfaction.
Therefore, the null hypothesis stating that savings behavior does not significantly predict financial satisfaction
is rejected. It can be concluded that savings behavior is a significant predictor of financial satisfaction among
the respondents, highlighting the importance of positive financial habits in improving overall financial well-
being
CONCLUSIONS
1. The respondents were mostly young, single, middle-income, and contractual employees, indicating that they
were in the early stage of financial development and career growth.
2. The respondents had a moderate level of financial satisfaction, showing that they were able to meet their
financial needs but still experienced limitations in wealth accumulation and emergency preparedness.
3. The respondents demonstrated a high level of saving behavior, particularly in attitude and intention to save,
although some challenges were noted in maintaining consistent saving practices.
4. Monthly income had a significant relationship with financial satisfaction and savings behavior, while age
showed limited influence.
5. There was no significant difference in financial satisfaction and savings behavior based on gender, but civil
status showed significant differences, while employment status affected only perceived behavioral control.
6. Savings behavior significantly predicted financial satisfaction, confirming that better saving practices
contribute to improved financial well-being.
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INTERNATIONAL JOURNAL OF LATEST TECHNOLOGY IN ENGINEERING,
MANAGEMENT & APPLIED SCIENCE (IJLTEMAS)
ISSN 2278-2540 | DOI: 10.51583/IJLTEMAS | Volume XV, Issue IV, April 2026
RECOMMENDATIONS
1. The university may implement financial literacy and wellness programs to enhance employees’ knowledge
in budgeting, saving, and financial planning.
2. The institution may promote structured savings programs to encourage employees to save regularly.
3. Employees may be encouraged to build emergency funds to improve financial security during unexpected
situations.
4. Financial planning seminars may be conducted to improve wealth accumulation and long-term financial
stability.
5. Employees may be guided to set clear financial goals to strengthen their saving behavior and discipline.
6. Programs may be designed to address the specific financial needs based on civil status, considering
different financial responsibilities.
7. Training may be provided to enhance financial control and discipline, especially in managing expenses and
maintaining savings.
8. Future researchers may explore other variables related to financial satisfaction for further improvement of
the study.
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