TITLE:
The Interrelationships among Financial Literacy, Financial Management, and Saving Habits of Government Workers: Evidence from Cabanatuan City
AUTHORS:
Julie Anne Marie Capulong Zapata, Renato Magtalas Samonte Jr.
KEYWORDS:
Financial Capability, Financial Knowledge, Budgeting Management, Investment Management
JOURNAL NAME:
Open Access Library Journal,
Vol.13 No.10,
October
27,
2026
ABSTRACT: This research utilized a quantitative descriptive-correlational design to assess the interrelationships between financial literacy and financial management with saving habits among 333 government workers of Cabanatuan City, Nueva Ecija. A researcher-made structured questionnaire was used to gather data on respondent profile, financial literacy, financial management, and saving habits. Responses were recorded on a four-point Likert scale. Results revealed that financial literacy, financial management, and saving habits were generally positive. However, the respondents had low levels of financial confidence, debt-monitoring behavior, retirement-saving plans, risk-assessment behavior, and emergency preparation. Financial literacy was positively correlated with financial management (r = 0.727, p