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Pham, K.-D. (2023) Factors Determining Customers’ Intention to Use Digital Banking—The Case of Vietnam. In: Mirzazadeh, A., et al., Eds., Communications in Computer and Information Science, Springer, 279-286.
https://doi.org/10.1007/978-3-031-40395-8_20

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• 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