Home⇛International Journal of Multidisciplinary: Applied Business and Education Research⇛vol. 7 no. 5 (2026)

The Mediating Role of Financial Health on the Relationship Between Financial Personality Types, Credit Dependency, and Financial Preparedness for Emergencies among SUCs Educators: Basis for a Program

Nepthali Bacones

Discipline: Finance

 

Abstract:

Purpose Due to the importance of financial preparedness for emergencies (FPE) in individuals' financial emergency-resiliency, this study exam- ined the mediating role of financial health (FH) on the relationship be- tween financial personality types (FPT), credit dependency (CD), and financial preparedness for emergencies (FPE). Design/methodology/approach Utilizing Yamane's formula and purposive-convenience sampling, three hundred fifty-two respondents took part in the study, represent- ing the population of educators from selected State Universities and Colleges (SUCs) from Luzon, Visayas, and Mindanao in the Philippines. Descriptive, exploratory factor analysis, Pearson's Moment Correlation, regression, and partial least squares structural equation modeling (PLS- SEM) were used to analyze the data. Findings The results of the EFA have identified five FPT of SUCs educators. In addition, the result reveals a low level of CD, a good level of FH, and a moderate level of FPE. Moreover, FH fully mediates the relationship be- tween FPT, CD, and FPE. Value The findings can be used as a basis for the formulation of a program that will help educators enhance their financial resilience by improving their FH, maintain low level of CD through wiser financial behavior in accordance with their respective FPT, and improving FPE.



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