| 000 -LEADER |
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| fixed length control field |
02697nam a22002417a 4500 |
| 003 - CONTROL NUMBER IDENTIFIER |
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| control field |
FT8755 |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
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| control field |
20251028143102.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
251028b ||||| |||| 00| 0 eng d |
| 041 ## - LANGUAGE CODE |
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| Language code of text/sound track or separate title |
engtag |
| 050 ## - LIBRARY OF CONGRESS CALL NUMBER |
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| Classification number |
HG3769 A54 2025 |
| 082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER |
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| Classification number |
. |
| 100 1# - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Angeles, Krismhel Rowaine C.; Capuz, Alliah Vance O.; Ferrer, Rolyn Kaye C.; Guinto, Francheska Nicole A.; Perez, Joyce Dariane A.; Timpog, Bergil Clyde S. |
| 245 ## - TITLE STATEMENT |
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| Title |
The moderating role of financial literacy on the relationship between credit card utilization and spending behavior of employed millennials in Binondo, Manila: Basis for debit management program |
| 264 #1 - PRODUCTION, PUBLICATION, DISTRIBUTION, MANUFACTURE, AND COPYRIGHT NOTICE |
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| Place of production, publication, distribution, manufacture |
Manila: |
| Name of producer, publisher, distributor, manufacturer |
PLM, |
| Date of production, publication, distribution, manufacture, or copyright notice |
c2025 |
| 300 ## - PHYSICAL DESCRIPTION |
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| Other physical details |
Business Research: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2025 |
| 336 ## - CONTENT TYPE |
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| Source |
text |
| Content type term |
text |
| Content type code |
text |
| 337 ## - MEDIA TYPE |
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| Source |
unmediated |
| Media type term |
unmediated |
| Media type code |
unmediated |
| 338 ## - CARRIER TYPE |
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| Source |
volume |
| Carrier type term |
volume |
| Carrier type code |
volume |
| 505 ## - FORMATTED CONTENTS NOTE |
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| Formatted contents note |
ABSTRACT: This study investigates the moderating role of financial literacy in the relationship between credit card utilization and spending behavior among employed millennials in Binondo, Manila. Using survey data from 152 respondents working along Masangkay and Reina Regente Streets, the research explores how financial awareness affects spending patterns shaped by credit card use. Findings show that although many millennials are financially literate, this knowledge does not always lead to disciplined financial behavior. Digital transactions tend to create psychological detachment from spending, leading to increased and often impulsive purchases. Some respondents also report difficulty budgeting and monitoring expenses, suggesting a gap between financial understanding and practical application. The study concludes that credit card use impacts spending more significantly than financial literacy. This highlights credit cards emotional and psychological influence, which financial knowledge alone may not counteract. As a result, the study proposes the development of a Debt Management Program. This program includes budgeting plans, spending alerts, behavioral assessments, and real-time notifications to help employed millennials manage their finances more effectively. Financial institutions are encouraged to adopt proactive measures like lower initial credit limits and customizable spending settings. Moreover, educational institutions and advocates should integrate practical financial learning into workplace and community programs. Future research is recommended to explore the emotional and behavioral drivers of spending, particularly in the context of digital credit usage among millennials. |
| 526 ## - STUDY PROGRAM INFORMATION NOTE |
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| Classification |
Filipiniana |
| 655 ## - INDEX TERM--GENRE/FORM |
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| Genre/form data or focus term |
academic writing |
| 942 ## - ADDED ENTRY ELEMENTS |
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| Source of classification or shelving scheme |
|
| Item type |
Thesis/Dissertation |