Financial Literacy and Work-Life Balance: Its Relationship to Public School Teachers’ Performance

Claire M. Bustos and Allene Mae N. Marapao
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Claire M. Bustos: Central Mindanao University
Allene Mae N. Marapao: Central Mindanao University

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 2, 1505-1513

Abstract: This study examined the relationship between financial literacy, work-life balance, and teacher performance in the Pangantucan West District during the 2023-2024 academic year. Financial literacy was assessed through financial knowledge, behavior, and attitude, while work-life balance focused on time management and overall balance. Teacher performance was measured using the Individual Performance Commitment and Review Form (IPCRF). Descriptive statistics, correlation analysis, and regression analysis were utilized. The results showed high financial literacy among teachers, with financial knowledge scoring the highest. However, financial behavior revealed challenges in debt management and overspending. Work-life balance was moderately high, though time management scored lower. Teacher performance was rated “Very Satisfactory†overall. Correlation analysis indicated no significant relationships between financial literacy, work-life balance, and performance. Regression analysis, however, identified time management as a positive predictor and financial behavior as a negative predictor of performance. The findings emphasize the need for interventions such as financial literacy programs, wellness initiatives, and time management training to support teachers in overcoming challenges. Addressing these areas can enhance teacher well-being, professional effectiveness, and educational outcomes.

Date: 2025
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