POOR BETTER: A NARRATIVE INQUIRY ON

THE LIFE OF ACADEMIC ACHIEVERS WHO FINANCIALLY UNSTABLE

A Qualitative Research
Presented to the Faculty of Humanities and Social Science
PAHILANGA NATIONAL HIGH SCHOOL

In partial fulfillment of the requirements in

PRACTICAL RESEARCH 1

Ian Campillo
Reymar Espadera
Jhon Paul Gabilagon
Jane Gonzales
Jenelle J. Juarana
Franchisca T. Latayan
John Joseph Mirano
Shaira Mae P. Alcoran
Mark Lester T. Ponce
Jannelle S. Sara

Grade 11 – HUMSS

Jian Rocyll M. Gallano

Research Teacher

May 14, 2024

 Chapter 1

THE PROBLEM AND ITS BACKGROUND

Introduction

The aim of this research is to establish and assess an individual experience of the
impact of students’ academic performance whose experiencing financial hindrance. The main
focus of this study will be on the effects and impact of the academic achievers who
financially unstable. This chapter will demonstrate the rationale for choosing this research
topic.

Financial hindrance has a big impact on students’ academic achievement. Financial

problems are serious issues that must be addressed as they lead to multiple stages, such as the
inability to join in school activities, pay for daily needs, and negatively affect students’
academic performances.

Financial problems are a vital issue for everyone, especially students. Most students
have to struggle to make ends meet as they come from underprivileged families. Thus,
students have to make difficult decisions whether to spend money on food or other essential
needs; and others have to go through health issues that took a toll on their financial situations
(Perman, 2019).
This can be further supported by a previous study by (Olufemioladebinu et al. 2018)
explained that students who came from low socio-economic families
status tend to show a poor academic performance compared to students who came from a
better family background status.

Financial problem is a situation where financial incapability are causing stress.

However, students have been facing financial problem and this problem had become a major
problem for other students. Financial problem faced by students are known as they do not
have enough financial for their daily expenses, where money worries is causing them to
stress. After that, financial problem will bring impact to both mental and physical health.
According to Halliday Wayne's, (2018), a student financial position will affect their
commitment in learning which will affect their academic performance. Moreover, due to
inflation and trade war, it had made most of the country facing recession and increases the
cases of student facing financial problem. Therefore, we have conducted research to show the
impact to other students’ academic performance if they don't take time to manage their
money and ways to solve it.

Money is important in the world today, however the problem is that some students
have lots of it, and most students have less than enough. Especially most of the achiever
students are facing financial crisis because they do not have the knowledge on how to
manage their money. When achiever students facing financial crisis, they would be facing a
lot of stress and could not concentrate on the lecturer which will bring impact to their
academic performance such as their grades and result and that will affect their future when
finding jobs.

Statement of the Problem/Objective

This research aims to investigate the influence of peer relationships on academic

achievement among secondary school students. The study seeks to identify the extent to
which peer interactions, both positive and negative, affect students' educational outcomes and
overall school experience.

Specifically, it seeks to answer the following questions:

1. How do positive peer relationships within secondary schools contribute to

enhanced academic achievement?

2. To what extent do negative peer relationships hinder academic performance and

affect the overall well-being of students within secondary schools?

3. What interventions and strategies can be implemented by schools to promote

positive peer relationships and improve academic achievement among students?
Theoretical Framework/Conceptual Framework

This study anchored managing capabilities barriers and stress and student financial of
(Robert Benjamin stephenus,2020), and mediation effect often I shall attitude on financial
knowledge and financial behavior by (Ali coskun and nerdilek dalzeil, 2020)

The managing, capabilities, barriers and stress in students financial demonstrate that
personal financial disadvantage and economic stress impede the academic of students in
higher education (walpole,2007). financial hardship such as low family income may harder
persistence to degree. Benjamin Stephenus also explained economically disadvantage (ED)
students struggles more than their peer in persisting to a degree. Stephenus also demonstrate
the nature of social economic condition and ways which condition may affect persistence and
students colligated experiences.

Researchers Ali Coskun, Nurdilek Dalziel (2020) conducted a study entitled

Meditation effect of financial attitude on financial knowledge and financial behavior the case
study of universities student, aims to look into the relation among different aspects of an
individual contribute with financial issues. they hold 396 University students in Turkey are
serving online regarding their attitude towards financial issues level of financial knowledge
and financial behavior, uses the factor analysis C'ronbach alpha and constructional equation
modeling (SEM) define financial attitude ask the mediator and the financial knowledge at
financial behavior relationship and financial attitude intervention reinforces this relationship.
Similarly, the findings of studied made by (So-Hyun Joo, Dorothy Bagwell Durb and John
Grable,2008), examine the characteristic of students, finding shows the relationship between
financial stress and academic performance leads student to reduce course works.

Significance of the Study

This study is conducted to benefit the following:

Learners
 This study will serve as realization to every learner that no matter how difficult life
they are facing, even if the expenses for education are insufficient, it will not be an obstacle
to their desire to be a good student.
Parents

This study will help Parents to have hope for their Children's future and for them to
realize that they need to work hard and be with their children as they strive for more.

Teachers

This study will serve as eye-opener for Teachers, that not all Students can pay school
fees immediately. May they give consideration to Students who cannot pay immediately.

Future Researchers

This will serve as their guide to Expand their Knowledge, Understand and Get an idea
about the Concept of this Study. They can use this study as a reference, only if their studies
are related to this study.

Scope and Limitations

This study will focus on academically achievers who are financially unstable. It will
explore their lived experiences, challenges, coping mechanisms, and strategies for success.
The research will employ a narrative inquiry approach, using in-depth interviews and
thematic analysis to uncover key themes. The study will consider individuals from diverse
educational levels, disciplines, and types of employment.

The research will also delve into the impact of financial instability on personal
growth, mindset, resilience, and the interconnectedness of work and education in their lives.

Limitations:
 The study’s findings may not be generalizable to all academically achiever who are
financially unstable due to the unique circumstances and experiences of everyone.

The research relies on self-reported data, which may be subject to bias or

inaccuracies.

The study may not capture all the complexities and nuances of the lived experiences
of the individuals due to the limitations of the narrative inquiry approach.

The research may be limited by the availability and willingness of individuals to

participate in the study.

Definition of Terms

The following themes have been defined to help facilitate better understanding of the
study:

Effect of financial attitude, knowledge, behavior:

conceptually and operationally defined as a different aspect of individual contribute with
financial issues (croskun, dalzeil,2020)

managing, capabilities, barriers, stress:

conceptually defined as and how disadvantaged and stressed impede the academic attainment
students of students(walpole,2007)
Financial hardship:
conceptually defined as an associate between depression and hardship resolved respective the
life course (Butterworth,Rogers, Windsor,2009)

Sasha Economic Condition:

conceptually and depreciation ally defined as an individual difference between high and low
social economic status shows the better performance belong with (ahmar,Anwar,2013)