000			02092nam a22002417a 4500
003			FT8723
005			20251008110141.0
008			251008b ||||| |||| 00| 0 eng d
041			_aengtag
050			_aHG3691 D45 2025
082			_a.
100	1		_aDe Jesus, Janea Rhainezzle P.; Barrera, Cassandra Mae J.; Gatdula, Christian Miguel C.; Marino, Adrian Niño D.; Rodillo, Joanna Mikaela E.
245			_aFinTech credit accessibility to strengthen financial stability among young professionals in Makati: A basis for a credit education program
264		1	_aManila: _bPLM, _cc2025
300			_bBusiness Research: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2025
336			_2text _atext _btext
337			_2unmediated _aunmediated _bunmediated
338			_2 volume _a volume _b volume
505			_aABSTRACT: This research explores how easily accessible credit through mobile lending apps affects the financial stability of young professionals working in Makati. In recent years, the rise of digital lending has made borrowing quicker and more convenient, especially for people who may not qualify for traditional loans. The study focuses on understanding whether this easy access to credit helps or hurts young professionals financial situations. Using a descriptive and correlational research method, the researchers surveyed 150 individuals who live or work in Makati and regularly use credit services like mobile loan apps. They looked at how people manage debt, how often they borrow, and whether this relates to habits like budgeting, saving, and investing. The findings show that while mobile credit can be helpful in emergencies, it can also lead to risky borrowing behaviors if not managed properly. The study ends by suggesting that a financial education program tailored to young professionals can help improve how they use credit. By teaching better money habits, this program can help people make smarter borrowing decisions and improve their long-term financial health.
526			_aF
655			_aacademic writing
942			_2lcc _cMS
999			_c36922 _d36922