20

“ONLINE SHOPPING HABITS AND MONEY MANAGEMENT OF GRADE 12

ACCOUNTANCY, BUSINESS, AND MANAGEMENT STUDENTS”

A Practical Research is presented to Senior High School

Department of New Society National High School
General Santos City

_____________________________________________________________

In Partial fulfillment of the Requirements

for Senior High School
ABM Track

____________________________________________

by:

Alliyah Coleen S. Titong

Christian Cedrick V. Danuya
Charylle L. Echevaria
Axcel S. Larita
Kyeclaire M. Causapin
Helen Khate R. Fernandez
Justine Josh D. Quicio
Cheth Japheth L. Sandoval
Fiona Kristel Faith F. Palencia

May 2023
 ii

ACKNOWLEDGMENT

First and foremost, praises and thanks to the God Almighty, for His

showers of blessings to complete their research successfully. The researchers

are thankful for letting them through all the difficulties they experienced His

guidance day by day. They will keep on trusting Him for their future dear

Heavenly Gracious Father.

The researchers would like to express their deep and sincere gratitude to

their research adviser Ma'am Patricia Marie Borela for giving them the

opportunity to do research and providing invaluable guidance throughout this

research and made this work possible. Her dynamism, vision and sincerity and

motivation have deeply inspired them. They are extremely grateful to the

committee members for letting their defense be an enjoyable moment, and for

taught them the methodology to carry out the research and to present their

research works as clearly as possible. It was a great privilege and honor to

worked under their guidance.

The researchers are extending their heartful thanks to their beloved class

Adviser (Ma`am Jamora Maria Duhinog II) for helping them made their research

possible and for her kindness in assisting them in our revised papers. They are

extremely thankful to their parents and families for their love, prayers, caring,

sacrifices and continuous support and understanding when undertaking their

research and writing their projects. Their prayer for them was what sustained

them this far.

 iii

ABSTRACT

This study determined the online shopping habits and money management of

Grade 12 Accountancy, Business, and Management students.

Specifically, it sought to answer the following questions: What is the extent of

online shopping habits of Accountancy, Business, and Management students?;

What is the level of money management among Grade 12 Accountancy,

Business, and Management students?; Is there a significant relationship of

the online habits and the money management level of Grade 12 Accountancy,

Business, and Management students?

The researchers used a quantitative research approach. Descriptive-correlational

design was used to determine whether there is a significant relationship of the

online shopping habits and money management of Grade 12 Accountancy,

Business, and Management students. It was employed as a technique to

describe the general characteristics of the variables involved in the study. The

respondents of this study were forty-three (43) customers of online shopping that

were purposively chosen.

The following are the findings of the joint study: Online Shopping Habits and

Money Management of Grade 12 Accountancy, Business, and Management

students and was described sometimes with the mean of 3.27.; The extent of

online shopping habits to Grade-12 Accountancy, Business, and Management

students in New Society National High School was described as often with the
 iv

mean of 3.73.; The Pearson product-moment correlation coefficient showed that

online shopping habits level of Grade-12 Accountancy, Business, and

Management students in New Society National High School was significantly

related to the level of money management.

Based on the findings of the study, the following conclusions were made: The

online shopping habits level of Grade 12 Accountancy, Business, and

Management students of New Society National High School is described as

sometimes; The money management level of Grade 12 Accountancy, Business,

and Management students is described as often; The online shopping habits

level and money management level of Grade 12 Accountancy, Business, and

Management students has significant relationship.

 v

TABLE OF CONTENTS

CONTENT PAGE

TITLE PAGE………………………………………………………………….………..i

ACKNOWLEDGEMENT……………………………………………………………..ii

ABSTRACT…………………………………………………………………...…..…..iii

TABLE OF CONTENTS……………………………………………………….……..iv

LIST OF TABLES………………………………………………………...…………..v

LIST OF FIGURES…………………………………………………..……...…….….vi

Chapter

I. THE PROBLEM
Introduction……………………………………………………………………………..1

Statement of the Problem……………………………………………………………..2

Significance of the Study……………………………………………………………...3

Scope and Delimitation……………………………………………….……………….3

II. REVIEW OF RELATED LITERATURE AND STUDIES AND CONCEPTUAL

FRAMEWORK

Related Literature…………………………………………………..………………….4

Related Studies…………………………….………………………..…………………5

Conceptual Framework…………….………………………….………………………8
 vi

Hypothesis…………………………………………….……………….…………….…8

Definition of Terms………………………………………………………...………....8

III. METHODOLOGY

Research Design………………………………………………………….………….11

Research Respondents……………………………………………………….……..11

Research Instrument…………………………………….…………………….……..12

Data Gathering Procedure………………………………………….…...…….…….13

Statistical Treatment…………………………………………….…………….……...13

IV.PRESENTATION, ANALYSIS, AND INTERPRETATION OF DATA

V.SUMMARY, FINDINGS, CONCLUSIONS AND RECOMMENDATIONS

Summary……………….…………………………………………………….……….19

Findings……………….……………….……………………………………….……..20

Conclusions………………..…………………………………………………….……21

Recommendations……………………………………………………………….…..21

REFERENCES…………………………………………………………………….…23

APPENDICES
 vii

LIST OF TABLES

Description Page Number

1. Extent of Online Shopping Habits

Grade-12 Accountancy, Business and

Management Students in New

Society National High School……………….……….………………..……….15

2. Money Management……………………………………………….……..….17

3. Relationship Between Online Shopping

Habits to Grade-12 Accountancy,

Business and Management Students

in New Society National High School……………………………………….………..

………………………….19
 viii

LIST OF FIGURES

1.Conceptual Framework…………….…….…………………………….10
 Chapter I

THE PROBLEM

Introduction

Online shopping sites have evolved into a medium of everyday business

transaction nowadays. It is the process whereby consumers directly buy goods

and services in real time, without any intermediary service. The process could be

in the form of business-consumer, and business-online shopping. These days,

consumers have well-known online stores like Shopee, Lazada, and Amazon that

are used to offer a variety of goods. Money management is a process of

budgeting, saving, and how you will use your money in a right way. It is also a

good way for consumers to control their spending especially in times of crisis.

However, nowadays, a lot of people have engaged on online shopping in which

have turned out into a habit that can contribute an impact to their behavior on

managing their money.

It seems obvious that people would turn to online shopping not only is it

cheap, but the wide variety of products make it feel new and exciting (Bellis,

2015). Online Shopping problem appears fairly common among high school

students and is associated with symptoms of depression and a range of

potentially addictive and antisocial behaviors. Significant distress and diminished

behavior control suggest that excessive shopping may often have significant

associated morbidity (Grant, 2012). Moreover, many students are living on the
 2

edge of financial crisis and many of them do not possess the knowledge needed

to manage their money (Bowen & Lago, 2010).

The researchers chose this study to determine the extent of online

shopping that turned out into a habit in which it affects the level of money

management in regards to online shopping activities. This study aims to provide

understanding on money management that can give guidance to consumers on

spending their money in online shopping.

Statement of the Problem

In this study, the researchers would focus on the possible impact

of

online shopping activities and money management of the Grade 12 ABM

students.

Specifically, the study sought to answer the following questions:

1. What is the extent of online shopping habits of Accountancy, Business,

and Management students?

2. What is the level of money management among Grade 12 Accountancy,

Business, and Management students?

3. Is there a significant relationship of the online shopping habits and

the money management level of Grade 12 Accountancy, Business, and

Management students?
 3

SCOPE AND DELIMITATION

This study is delimited to the possible impact/s of online

shopping

activities and money management of Grade 12 Accountancy, Business and

Management students of New Society National High School,

Barangay

Sinawal, General Santos City during the academic year 2022-2023.

The impact of online shopping activities were focused on the

possible

outcome and effects of it to the money management of the respondents.

This study is delimited to the online shopping habits and money management

on Grade 12 Accountancy, Business, and Management students of New

Society National High School, Barangay Sinawal, General Santos City during

the academic year 2022-2023.

The respondents of this study will be randomly selected the students

who are engaged in online shopping activities of the three (3) sections of

Grade 12 Accountancy, Business, and Management (Duhinog, Borela,

Fetalvero) in New Society National High School.

SIGNIFICANCE OF THE STUDY

The result of this study will be beneficial to the following:

 4

To the Teachers. This study will help them to save time, money, and manage

their finances more effectively.

To the Parents. This study will help them to discipline and teach their children

budgeting money. They will be able to understand the possible effects of their

children’s money management and online shopping behaviors.

To the Students. This study will help the students to have knowledge about

their expenses and how they spend their money. Knowing their spending habits

can help them manage or create a budget for their money.

To the online sellers. This study will help them because they will be able

to

distinguish what are the possible interest of the students.

To the Future researchers. This study will serve as basis for

conducting

relevant future studies.

5
 Chapter II

REVIEW OF RELATED LITERATURE, REVIEW OF RELATED STUDIES, AND

CONCEPTUAL FRAMEWORK

Related Literature

Online Shopping Habits

Online shopping has unique characteristics. Huseynov and Yıldırım (2014)

emphasized that the lack of physical interaction tends to be the critical

impediment in online retail sales followed by the privacy of individual information

and security of financial transactions over the Internet. Demangeot and Broderick

(2010) also revealed that perceived ease of use does not affect the behavioral

pattern in this case rather influenced by security and privacy issues. No

relationship is built between the customer and the online shop in the presence of

perceived online risk even if a customer spent hours on the Internet (Zuroni &

Goh, 2012).

Day-by-day taste, preference and choices are varying regarding different

factors such as the Internet emergence. However, this development needs some

more understanding related to the consumer’s behavior. Consumer behavior

research identifies a general model of buying behavior that depicts the processes

used by consumers in making a purchase decision (Vrender, 2016). Those

designs are paramount to the marketer as they can explain and predict consumer

purchase behavior.
 6

Consumer attitudes toward online shopping usually been determined by

two factors; one is trust, and another is perceived benefits (Hoque, Ali, & Mahfuz,

2015). Therefore, trust and perceived benefits seem to be the critical conjectures

of consumer behavior toward online shopping (Al-Debei, et al. 2015; Hajli, 2014).

Online shopping is the process of purchasing goods directly from a seller

without any intermediary, or it can be referred to as the activity of buying and

selling goods over the internet. Online shopping deals provide the customer with

a variety of products and services, wherein customers can compare them with

deals of other intermediaries also and choose one of the best deals for them

(Sivanesan, 2017).

“Why Online Shopping is Booming in the Philippines”, the reason why

most of the people prefer shopping online especially during the Christmas

season and special holidays as early as December is because convenience,

cheaper sales, and special deals are the most significant reason why the

consumers like to shop through the internet. It is also stated that online shopping

has been growing for the past years, as early as the year 2015 were revealed

that 9 out 10 Filipinos would prefer online shopping than actual shopping since

people can save a lot due to certain online shops who offer special deals or

discounts for consumers rather than in an actual store. When using e-commerce

as a medium for shopping online people must still consider factors that would
 7

cost them a lot of money and time due to scam or fraud in an online world.

According to the article by Reformina, I. (2015)

According to (Fredriksson et. al, 2013) Engaging in E-commerce is

particularly demanding due to several concerns such as shipping and delivery

costs, security, data protection, culture and infrastructure these concerns are

essential to be considered as these may have an impact on the acceptance of E-

commerce. For an online business to be successful in both local and global

markets, it needs to gauge and deal with the said concerns.

In this sense, there seems to be an understanding that online shopping

behavior is fundamentally different from that in conventional retail environment,

(Peterson et al., 2015) as e-commerce relies on hypertext Computer Mediated

Environments (CMEs) and the interaction customer-supplier is ruled by totally

different principles.

According to Nazir et al. (2012), some factors which play an important role

on buyer’s decision making about shopping something online include price, trust,

and privacy etc. The key factors which affect a Pakistani consumer attitude

towards shopping something online are privacy and security. According to the

researchers, online purchase provides comfort, convenience or ease which are

identified as having significant influence on buyer’s attitude in Pakistan.

Moreover, recommendation to shop something online by others are also

 8

important in driving a buyer’s attitude towards purchasing online. In Pakistan, the

reason for a consumer to be hesitant to shop online is insecure online payment

method as the research mentions.

Thus, it seems that trust and privacy of their financial and other

information is one of the most vital issues for a consumer in Pakistan when

buying a product or a service online. Ashraf, et al. (2014) found that perceived

usefulness and ease of use are some of the major elements influencing

consumers’ attitude in Pakistan towards purchase online. Moreover, trust and

perceived ease of use impact the perceived usefulness of online shopping. Trust

was found to be an essential element of perceived ease of use.

According to Torres (2015) nearly nine out of 10 Filipino consumers do

their shopping online, based on a study commissioned by Visa International. The

Visa eCommerce Consumer Monitor 2014 also reveals that the top reasons for

online shopping are convenience (58 percent), price (47 percent), and deals (46

percent). According to Gomez (2016) similar to walking only a few steps to reach

a sari-sari store, e-shopping has given the Filipinos power to buy anything, from

anywhere, at any time. While the nearest mall may have already closed for the

day, you can still browse through hundreds of items while lounging on your sofa

orbed.
 9

According to Grant (2012) problem shopping appears fairly common

among high school students and is associated with symptoms of depression and

a range of potentially addictive and antisocial behaviors. Significant distress and

diminished behavioral control suggest that excessive shopping may often have

significant associated morbidity.

According to Bellis (2015) it seems obvious that people would turn to

online shopping. Not only is it cheap, the wide variety of products make it feel

new and exciting. However, the risk of succumbing to scams via online shopping

is higher, as online stores aren’t held to quite the same standard as physical

ones.

Money management is the process of expense tracking, investing,

budgeting, banking and evaluating taxes of one's money, which includes

investment management and wealth management. Money management is a

strategic technique to make money yield the highest interest-output value for any

amount spent. Spending money to satisfy cravings (regardless of whether they

can justifiably be included in a budget) is a natural human phenomenon. The

idea of money management techniques has been developed to reduce the

amount that individuals, firms, and institutions spend on items that add no

significant value to their living standards, long-term portfolios, and assets.

Some literature have stated that it's easier than ever for young people to

manage their money, stay within a budget, and grow their money with smart
 10

investments. The explosion of online shopping means that it's also become

easier than ever to spend that money foolishly. This lively volume helps teens to

navigate the world of finances and shopping online with explanations about

banking, credit, mobile payment services, and how the comparison shop and

check product reviews. Step-by-step instructions, best practices, and advice on

how to avoid scams and stay safe make this an invaluable guide for teens in the

fast-paced digital marketplace. (Managing Finances and Shopping Online

literature).

As the conclusion, students need to know how to manage their money that

they get from their parents wisely. Students must use the money that they get

every month just only to buy things that is important to their life as a student such

as buying books, stationeries and foods. They also can use money plan to plan

what they need to buy that month and how much they must save. We hope that

with this project paper, we can provide an alternative path for student to manage

their money every month.

RELATED STUDIES

According to the study of Hashim Shahzad (2015) entitled “Online

Shopping Behavior” .Many researchers (Kumar& Dange, 2014; Subhalakshami &

Ravi, 2015) argued that perceived risk like financial risk, product risk, non-

delivery risk, time risk, privacy risk, information risk, social risk, and personal risk

have a negative and significant effect on consumer’s online shopping behavior.

 11

Another dimension of consumer’s behavior is trust and security on e-retailers,

Uncertainty is also linked with the possible loss of money while making a

financial transaction for a particular product on the internet (Kumar & Dange,

2014).

According to Zafer Kiliç (2018) in the study entitled “An Investigation of

Online Shopping Habits of University Students: Gaziantep Province Case”.

Recent studies on online shopping habits will be examined. Lester et al. (2012)

have indicated that university students prefer online shopping because they are a

generation of technology enthusiasts from the moment they were born. As a

result of the study, it was reported that more than 95% of the university

students used the Internet for shopping and preferred purchasing via credit

cards, mostly online shopping for banking services, concert tickets and clothing.

In another research studied with university students, Silku (2014) examined

attitudes of communication faculty students towards Internet shopping. It

was found that the attitudes of students to shopping on the Internet are

negative and this does not depend on the departments, class, age, gender,

monthly income, shopping frequency, Internet usage situation.

According to Angelica D. Acerit (2022) in the study entitled “Oniomania: A

Phenomenological Study on Online Shopping Addiction”. The study discovered

that online shopping addiction might have negative consequences such as

financial difficulties and damaged relationships, among other things. Online

 12

addicts may have financial issues and even get into debt as a result of their

addiction. As stated by Hartney (2020), shopping addicts frequently spend more

time and money on shopping than they are able to afford, and many of them end

up in debt as a result of their excessive spending habits. People who suffer from

this type of addiction wind up borrowing money from family and friends in order to

fund their internet shopping habit. The inclination to borrow money from family

and friends, even when one does not have the financial means to pay back the

debt, leads to strained and broken relationships.

According to Shujie Zhang (2018) in the study entitled “Association

Between Specific Internet Activities and Life Satisfaction: The Mediating Effects

of Loneliness and Depression”. They discovered that students who engage in

excessive internet shopping experience post-purchase remorse (shame, anxiety,

and guilt), which can lead to depression. Moreover, spending an excessive

amount of time and money on online

shopping can lead to persons experiencing academic and financial hardship,

both of which are associated with depression (Liu et al., 2017; Wright, 2017).

According to Holmes and Kitterlin-Lync (2016) in the study entitled

“Online Shopping and Moner Management among Young Adults”. This study

explores the relationship between online shopping habits and money

management skills among young adults. It investigates how factors such as

 13

impulsive buying behavior, financial literacy, and financial self-efficacy influence

the online shopping behaviors and financial outcomes of young consumers.

According to Huang et al. (2017) in the study entitled “The Impact of

Online Shopping on Financial Well-being: A Conceptual Framework and

Research Agenda”. The study proposes a conceptual framework to understand

the impact of online shopping on individuals' financial well-being. It examines the

relationship between online shopping habits, financial management behaviors,

and financial outcomes such as debt levels, savings, and financial satisfaction.

According to Kuo et al. (2020) in the study entitled “The Relationship

Between Online Shopping Behavior and Household Financial Management”. This

study investigates the relationship between online shopping behavior and

household financial management practices. It explores how factors like

budgeting, financial planning, and financial communication within households

mediate the association between online shopping habits and household financial

well-being.

According to Li and Li (2018) in the study entitled "The Influence of Online

Shopping on Consumers' Financial Behaviors". This study examines the

influence of online shopping on consumers' financial behaviors, including saving,

borrowing, and spending habits. It explores the impact of online shopping

 14

frequency, impulsive buying tendencies, and financial literacy on individuals'

financial management practices.

According to Chen et al. (2020) in the study entitled "Online Impulse

Buying and Its Association with Financial Management Behaviors". This study

explores the relationship between online impulse buying and financial

management behaviors. It investigates how factors such as financial planning,

budgeting, and saving habits influence individuals' propensity for online impulse

buying and its impact on their financial well-being.

According to Kumok (2015) in the study entitled “Saving Money Helped

Me Prepare for my Future and even Find Love”. that you can’t budget without

figuring out what you want to spend money on. It’s easy to blow a week’s wages

on going out to the movies and shopping at the mall. Instead of doing that, make

a list of things you want to buy. Next to each goal, write down how much it will

cost. This will give you an idea of what your decisions really mean.

According to Burke (2012) in the study entitled “Technology in the

Customer interface. What consumers want in the physical and virtual store”. Four

relevant demographic factors – age, gender, education, and income have a

significant moderating effect on consumers’ attitude toward online shopping.

 15

According to it Ratchford (2011) in the study entitled “A model of

consumer choice of the internet as an information source”. Concerning age, it

was found that younger people are more interested in using new technologies,

like the Internet, to search for comparative information on products (Wood,

2012). Older consumers avoid shopping online as the potential benefits from

shopping online are offset by the perceived cost in skill needed to do

CONCEPTUAL FRAMEWORK

Independent Dependent

Online Shopping Habits Money Management

Figure 1. Conceptual Framework

Figure 1 illustrates the conceptual framework of the study. It shows that

the independent variable is the online shopping habits of the Grade 12

Accountancy, Business and Management students which is considered as the

cause or predictor of the study. The online shopping habits are connected to the

dependent variable which is the money management of the Grade 12

 16

Accountancy, Business and Management students of New Society National

School .

HYPOTHESIS

The null hypothesis is tested at the 0.05 level of significance.

There is no significant relationship between the online shopping habits

and the money management on the Grade 12-ABM Students of New Society

National High School.

Definitions of terms

Online- Conceptually, is controlled by or connected to another computer or to a

network. (Oxford, 2019). Operationally it connects through a system and

especially a computer or telecommunications system (such as the internet).

Shopping- the action or activity of purchasing goods from stores (Oxford, 2019).

Operationally it refers to visit places where goods are sold in order to look at and

buy things.

Online Shopping- defined as purchasing items from Internet retailers as

opposed to a shop or store. Online shopping is the online activity of the students

where they purchase from the internet from various platforms. (Your Dictionary,

2022). Operationally, it refers to the online platforms and online applications

where they buy things online.

Money- is any object that is generally accepted as payment for goods and

services and repayment of debts in a given country or socio-economic context

 17

(Positive Money, 2011). Operationally refers to a assets, property, and resources

owned by someone or something.

Management- is the process of dealing with or controlling things or people

(Oxford, 2017). Operationally it is an organization, whether it is a business, a

non-profit organization, or a government body.

Money Management- refers to the processes of budgeting, saving, investing,

spending, or otherwise overseeing the capital usage of an individual or group

(Investopedia, 2022). Operationally, it refers on how you handle all of your

financial matters.

Online Seller- refers to a seller that is introducing/executing or selling her/his

products via the internet (Ecommerce, 2020). Operationally, it refers to a person

who sells his/her product online.

Experience- refers to a made skillful or wise through experience; practice; an

experienced driver. It also refers to the positive and negative experiences, and

the satisfaction of the students who shop online (Oxford, 2022). Operationally, it

is a particular instance of personally encountering or undergoing something. It is

an event when students learn new way of things.

Satisfaction- refers to the fulfillment of one’s wishes, expectations, or needs, or

the pleasure derived from this. It also refers to the positive experiences of the

respondents. (Oxford, 2019). Operationally, it refers to a surveys and ratings, can

help a company determine how to best improve or changes its products and

services.
18
 Chapter III

METHODOLOGY

This chapter describes the procedure that the researchers used in this study.

This includes the following: research design, respondents of the study, research

instrument, data gathering procedure, and statistical treatment

Research Design

This study entitled online shopping habits and money management of the

Grade 12 Accountancy, Business, and Management students used a quantitative

study. Quantitative research involves collecting data on the online shopping

habits and money management. In this study, descriptive-correlational design

was employed; the descriptive method was used to describe about a study that

focused on the present condition or situation. In this study, the online shopping

habits and money management on Grade 12 Accountancy, Business, and

Management Students of New Society National High School was described.

Moreover, correlational design was used in this study to show whether there

was a relationship between the online shopping habits and money management

on Grade 12 Accountancy, Business, and Management (ABM) Students of New

Society National High School.

 19

Research Respondent

Prior to the conduct of the study, the researchers had identified how many

participants they have. The participants of this researchers are those who have

experienced online shopping. Since the respondents of this study involves three

(3) Grade Twelve (12) senior high school sections, namely ABM-DUHINOG,

ABM-BORELA and ABM-FETALVERO. The researchers had decided to conduct

a purposive sampling, whereas, there was a non-probability sampling and the

respondents would be those who were qualified to the criteria: engaged in online

shopping activities.

Before opening the survey to the participants, the researchers reviewed the

questions to be used in the online in-depth survey, and the survey asked their

participants how are they feeling currently. Are they doing well, are they feeling

agitated, are they feeling anxious, etc. – to make sure that the participants are in

a proper state of mind in taking the survey. The researchers did not rush the

participants to answer to let them ponder back into their memory and recall their

experiences. After the participants completed the survey, the researchers then

thanked their participants for sparing their time to answer their survey.

Research instruments

This research utilized a survey questionnaire as the research instrument in

gathering the factual data from the respondents. This questionnaire was

specifically concerned to the online shopping habits and money management

towards the respondents and was adapted and validated by the experts.
 20

Data Gathering Procedure

Before beginning the study, the researchers had allotted vigorous time, effort

and cooperation in developing their questionnaire so as to serve its intended

respondents. This was conducted in actual and face-to-face survey. The survey

was created in different way which were related to the questionnaire regarding to

online shopping and money management. In the questionnaire, liker scale was

used to determine if the respondent agreed or disagreed in a statement. After the

research teacher approved the questionnaire, copies were distributed to the

respondents of New Society National High School. Participants was given time to

respond and then the researches had connected the survey questionnaires in the

next working day. After the respondents finished answering the questionnaire,

and retrieval followed.

Statistical Treatment

The data gathered was treated statistically using the following:

To determine the online shopping habits on Grade 12 Accountancy,

Business, and Management (ABM) Students in NSNHS (New Society National

High School) mean was applied.

To determine the money management on Grade 12 ABM Students in

NSNHS (New Society National High School) mean was applied.

To determine the relationship between Online shopping Habits and Money

Management on Grade 12 ABM Students in NSNHS (New Society National High

School) Spearman Rho was applied.

 Chapter IV

PRESENTATION, ANALYSIS, AND INTERPRETATION OF DATA

This chapter presents the research findings of the data collected from the

case study samples. The main source of data is the interview and is also

supplemented by library research. The findings will be presented in relation to the

research objectives stated in the study. The method used to analyze the data is

already discussed in the methodology chapter.

Table 1. Online Shopping Habits Level of Grade 12 ABM students

Weighte Verbal
Indicators
d Mean Interpretation
Online Shopping Habits
1. Have you ever had online shopping? 3.95 Often
2. How often do you purchase online(frequency)? 3.44 Sometimes
3. How often do you buy things that you don’t need? 2.56 Sometimes
4. How often does shopping online makes you feel Often
satisfied? 3.77
5. How often do you use online shopping apps in a day? 2.84 Sometimes

6. How often do you spend money in online shopping? 3.21 Sometimes

7. How often do you engage in online shopping for the 3.26

Sometimes
past 3 months?
8. How often do you recommend online shopping to non- 3.33 Sometimes
online shoppers?
9. Have you always faced problems on shopping online? 2.86 Sometimes

10. Do you feel that online shopping makes comparison 3.47 Sometimes
easy?
Mean 3.27 Sometimes
Legend: 4.50-5 Very often, 3.50-4.49 Often, 2.50-3.49 Sometimes, 1.50-2.49 Rarely, 1-1.49 Never

Table 1 shows the online shopping habits level of grade 12 ABM students.

Among the indicators, it can be observed that the statement “Have you ever had

online shopping?” got the highest weighted mean of 3.95, described as Often.

This description indicates that the students are indeed engaged with online
 22

shopping. The lowest mean, 2.56, is observed on the statement “How often do

you buy things that you don’t need?” described as Sometimes. This means that

students occasionally buy unnecessary things. The overall weighted mean for the

indicators of level of online shopping habits is 3.27, described as Sometimes.

This implies that the students occasionally shop online.

Table 2. Money Management Level of Grade 12 ABM students

Weighted Verbal
Indicators
Mean Interpretation
Money Management
1. I feel my financial situation is out of control. 3.33 Sometimes
2. I set financial goals based on my allowances. 3.88 Often
3. I have plan to reach my financial goals and I follow Often
the plan accordingly. 3.86
4. I generally achieve my money management goals. 3.58 Often
5. I set aside money for future needs such as Often
emergency expense. 3.60
6. I set aside money for my wants such as travelling. 3.51 Often
7. I check all of my expense daily. 3.91 Often
8. I compare prices from major expenses. 3.98 Often
9. I often spend more than I can afford. 3.21 Sometimes
10. I compare prices when buying things. 4.44 Often

Mean 3.73 Often

Legend: 4.50-5 Very often, 3.50-4.49 Often, 2.50-3.49 Sometimes, 1.50-2.49 Rarely, 1-1.49 Never

Table 2 shows the level of money management of grade 12 ABM

students. Among the statements, “I compare prices when buying things.” got the

highest weighted mean of 4.44, described as Often. This statement indicates

that students tend to examine the products to see if there are differences before

buying. The lowest mean, 3.21, is observed on the statement “I often spend more

than I can afford.” described as Sometimes. This means that students can

occasionally overspend when buying things. The overall weighted mean for the
 23

indicators of the level of money management is 3.73, described as Often. This

implies that students frequently manage their finances.

Table 3. Correlation of Online Shopping Habits Level and the Money

Management Level of Grade 12 ABM students
Variables r p-value Extent of Remarks

Relationship

Online Shopping 0.010 0.018 Very Low Significant

Habits Level Negligible

Money

Management

Level

This part reveals the results on the test on correlation of online shopping

habits level and money management level of grade 12 ABM students. Table 3

shows the details of the results, in testing the correlation of online shopping

habits level and the level of money management. It reveals there is a significant

relationship on online shopping habits level and the level of money management

(p=0.018 < .05). This is supported by r= 0.010 and p value of 0.018. This means

that the online shopping habits of students influences their level of money

management.
 Chapter V

SUMMARY, FINDINGS, CONCLUSIONS, AND RECOMMENDATIONS

This chapter presents the summary, findings, conclusions, and the

corresponding recommendations of the duty.

Summary

This study attempted to determine the relationship of online shopping habits

and money management of Grade 12 Accountancy, Business, and Management

(ABM) student in New Society National High School.

Specifically, this sought to answer the following questions:

1. What is the extent of online shopping habits of Grade 12 Accountancy,

Business, and Management students?

2. What is the level of money management among Grade 12 Accountancy,

Business, and Management students?

3. Is there a significant relationship of the online shopping habits and

the money management level of Grade 12 Accountancy, Business, and

Management students?
 25

The respondents of the study were forty-three (43) identified consumers on

online shopping products.

This study entitled online shopping habits and money management of the

Grade 12 Accountancy, Business, and Management students used a quantitative

study. Quantitative research involves collecting data on the online shopping

habits and money management.

In this study, descriptive-correlational design was employed; the descriptive

method was used to describe about a study that focuses on the present condition

or situation. In this study, the online shopping habits and money management on

Grade 12 Accountancy, Business, and Management students of New Society

National High School was being described.

Moreover, correlational design was used in this study to show whether there

is a relationship between the online shopping habits and money management on

Grade 12 Accountancy, Business, and Management students of New Society

National High School.

Findings

The following are salient findings of the study:

1. The data concluded that the online shopping habits level of Grade 12 ABM

students. Among the indicators, it can be observed that the statement “Have you

ever had online shopping?” got the highest weighted mean of 3.95, described as

Often. This description indicates that the students are indeed engaged with

online shopping. The lowest mean, 2.56, is observed on the statement “How
 26

often do you buy things that you don’t need?” described as Sometimes. This

means that students occasionally buy unnecessary things. The overall weighted

mean for the indicators of level of online shopping habits is 3.27, described as

Sometimes. This implies that the students occasionally shop online.

2. The data concluded that the level of money management of grade 12 ABM

students. Among the statements, “I compare prices when buying things.” got the

highest weighted mean of 4.44, described as Often. This statement indicates

that students tend to examine the products to see if there are differences before

buying. The lowest mean, 3.21, is observed on the statement “I often spend more

than I can afford.” described as Sometimes. This means that students can

occasionally overspend when buying things. The overall weighted mean for the

indicators of the level of money management is 3.73, described as Often. This

implies that students frequently manage their finances.

3. It reveals that there is a significant relationship on online shopping habits level

and the level of money management (p=0.018 < .05). This is supported by r=

0.010 and p value of 0.018. This means that the online shopping habits of

students influences their level of money management.

 27

Conclusions

Based on the findings of the study, the following conclusions are made:

1. This study concluded that the online shopping habits and money management

of Grade 12 Accountancy, Business, and Management students in New Society

National High School, that students occasionally buy unnecessary things,

described as Sometimes. This implies that the students occasionally shop online.

2. This study concluded that the online shopping habits and money management

of Grade 12 Accountancy, Business, and Management students in New Society

National High School, that students tend to examine the products to see if there

are differences before buying and students can occasionally overspend when

buying things. This implies that students frequently manage their finances.

3. It reveals that there is a significant relationship on online shopping habits level

and the level of money management. Therefore, the online shopping habits of

Grade 12 students in New Society National High School influences their level of

money management.

Recommendations

Based on the findings and conclusions, the following recommendations are

hereby given:
 28

1. The researchers recommend that the students should focus on, be cautious of

scams, and improve their online shopping habits and make more informed,

responsible purchasing decisions.

2. The students must improve their plans for their spending by creating a budget.

3. The students must know their limitations in terms of spending money on their

online shopping.

4. The students must be cautious and make priorities before buying anything

online in order to control their habits on shopping online.

5. The students must exercise money management on a daily life basis.

6. The researchers recommend that in the next conduct, the next researchers

would include the gender of the respondents that engage on online shopping on

their statement of the problem.

7. The researchers recommend that in the next conduct, the survey would also

be available online using google forms.

 29

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Behaviors. Internet Research, 28(3), 613-632.

Kuo, C. C., Lin, S. P., & Lu, J. Y. (2020). The Relationship Between Online

Shopping Behavior and Household Financial Management. Journal of Retailing

and Consumer Services, 52, 101923.

Huang, J., Lurie, N. H., & Mitra, S. (2017). The Impact of Online Shopping on

Financial Well-being: A Conceptual Framework and Research Agenda. Journal

of Business Research, 81, 173-180.