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Appendix A: Questionnaire

Remittance Utilization, Financial Challenges and Coping Mechanisms

of Selected Overseas Filipino Households

University of St. La Salle

Bacolod City
Dear Participants.

Greetings! We are presently conducting a study on the Remittance Utilization, Financial Challenges and Coping Mechanisms
of Selected Overseas Filipino Households. As one of the identified participants of the study, you are requested to kindly answer
the items as honestly as you can. Please be assured that whatever information you will share will be treated with utmost
confidentiality and will be used for research purposes only. Thank you very much.

Sincerely,
Michael Louie Elegio;
Lovelyn Mae Ramos;
Hanna Villanueva;
Kathy Joyce Villanueva

I. Participant’s Demographic Characteristics

1. Age
__18-30 __61-70
__31-40 __70-75
__41-60
2. Sex
__Male __Female

For numbers 3-7, please fill in the table 1:

Table 1:

3.Relative/s Working 4.Type of work of the 5.Number of 6. Highest educational 7. Monthly

abroad who is relative/s abroad: years working attainment of the remittance
supporting your (a) Land Based abroad relative/s working abroad
household (b) Sea based (a) Elementary
(ex. Father, mother, (c) Air based (b) High School
sister, brother,etc) (d) Offshore (c) College
(kindly write the letter (d) Post Graduate
(kindly put all that is only) Education
applicable) (e) Second degree
(kindly write the letter
only)
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II. Spending Behavior

For numbers 8-10, please refer to table 2.

Table 2:

8. Highest Expenses 9. The average amount 10. Frequency of

every month (kindly rank spent every month spending
the top 3, write 1st, 2nd and (kindly refer only to the (a) Every day
3rd) top 3 highest expenses) (b) Every week
(c) Every month
(kindly write the letters
only)
Food and Beverage
Education
Transportation
Home/Utilities
Health/Medical Services
Bank Savings
Communication
Clothing/Apparel
Miscellaneous

III. Allocations of Remittance

For number 11, please refer to table 3.

Table 3:

11. Percentage of the Remittance Spent Monthly

Food and Beverage
Education
Transportation
Home/utilities
Health/Medical Services
Bank Savings
Communication
Clothing/Apparel
Miscellaneous
Total 100%

IV. Financial Challenges

12. What financial challenges do your household face? (kindly put a check to all that is applicable)
__unpaid loans/debts __insufficient money to provide home’s basic needs
__irregular and delayed remittance __medical and education financial problem
__improper allocation of money (vices, gambling, etc.) __scammed
__unpaid by friends/families who borrowed money
__others, please specify
________________________________________________________________________
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13. Are there other families or loved ones or family friends who are supporting your household?
__Yes __No
 If YES, who are they? ______________________________________________________

V. Coping Mechanisms

14. What are the coping mechanisms of your household? (kindly put a check to all that is applicable)
__ Seeking extra jobs __Seeking help from relatives and friends
__Stop allocation for savings __Incur debts
__others, please specify. ___________________________________________________
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Appendix B: Key Informant Guide

1. What can you say about the programs and laws of the government concerning the

families of OFWs?

2. What are the problems of families OFWs often brought up to you?

3. Do they get enough support from the government? If so, what are those? If not, why?

4. What can you say about the spending patterns of most of the OFW households?

5. What hindrances and problems do they encounter before the departure and after the

arrival of their families abroad?

6. What do you think are the factors that affect the spending pattern of the households?

7. How do they usually cope with their financial problems?

8. Where do they usually go to address these problems?

9. How do often government and non-government organizations initiate programs and

seminars to the OFW households? Does it really help them?

10. What do you recommend in order to help the OFW households in terms of financial,

emotional and psychological?

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Appendix C: Summary of Good and Scates

Direction: Kindly rate or evaluate the research instrument using the rating scale according to the
following criteria set forth by Calter V. Good and Douglas F. Scates. Please encircle your rating
using the scale below:

1 – Poor 2 – Fair 3 – Good 4 – Very Good 5 -- Excellent

Criteria for Evaluation

Questions 1st 2nd 3rd 4th Average

1. The questionnaire is short enough 4 4 4 4 4
such that the respondent will not reject
it because it will not drain much of his
precious time.
2. The questionnaire has face appeal 4 3 3 5 4
such that the respondent will be
inclined to accomplish it fully.
3. The questionnaire can obtain some 4 4 4 3 4
depth to the response & avoid
superficial answers or information.
4. The items and their alternative 4 4 4 4 4
responses are not too suggestive.
5. The questionnaire can elicit responses 4 4 4 4 4
which are definite but not
mechanically forced.
6. The items are stated in such a way that 4 4 4 4 4
the responses will not be embarrassing
to the person concerned.
7. Items are framed in such a manner as 4 5 5 4 4.5
to allay suspicion on the part of the
respondent concerning hidden
purposes in the questionnaire.
8. The questionnaire is not too narrow, 5 4 4 4 4.25
not restricted or limited in its scope or
philosophy.
9. The responses in the questionnaire, 5 4 4 4 4.25
when taken as a whole, could answer
the basic purpose for which the
questionnaire is designed and
therefore considered valid.
4.22 4.0 4.0 4.0 4.11

Average score: 4.11

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Appendix D: Panel Invitation Letter

University of St. La Salle

College of Business and Accountancy

Date:

Dear Dr. Romeo Teruel,

Greetings.

May I invite you to be a member of the panel of reviewers for the thesis defense of my
students whose research topic is “Remittance Utilization, Financial Challenges and Coping Mechanisms
of Selected Overseas Filipino Households”.

Date:

Venue:

Time:

The students will furnish you with a copy of their research work three (3) days before the
scheduled defense.

Thank you.

Very sincerely,

Mercedes L. Cañal, PhD

Research Professor

Confirmation:

____ I can make it

____ Sorry, I cannot make it

Romeo Teruel, PhD

________________________

Panelist and Signature

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Appendix E: Endorsement Letter

September 2017

DR. MERCEDES L. CAÑAL

Research Professor

Dear Dr. Cañal,

May I inform that my advisees Elegio, Michael Louie; Ramos, Lovelyn May; Villanueva,
Hanna; Villanueva, Kathy Joyce, have finalized their thesis proposal entitled “Remittance
Utilization, Financial Challenges and Coping Mechanisms of Selected Overseas Filipino
Households” and is ready for final defense.

I am hereby endorsing their paper for panel evaluation.

Thank you.

Raymund Malapitan
Adviser
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Appendix F: FREE AND PRIOR INFORMED CONSENT

Remittance Utilization, Financial Problems and Coping Mechanisms of Selected

Overseas Filipino Workers’ Supported Families
You are being invited to take part in this research study. Before you decide whether or
not to take part, it is important for you to understand why the research is being done and what it
will involve. Please take time to read the following information carefully.

Statement and Objectives

This study aims to investigate the utilization of remittance, coping mechanisms and
financial challenges of the supported families of OFWs. The study wants to know the socio-
economic profile of the participants in terms of age, gender, their relative working abroad, type
of work of relative/s abroad, monthly remittance of the relative/s abroad, monthly household
income, number of years the relative/s have been working abroad, and highest educational
attainment of the relative/s working abroad. Also, the study aims to know how households do
and participants utilize remittances from relative/s abroad, what financial-related issues do
household of OFWs encounter, how do participants cope with financial issues confronting the
households, if there is a significant difference in the remittance received when grouped according
to type of work, work based, number of years, and educational attainment of the supporting
relative/s abroad and if there a significant difference in the utilization of remittances and the
relative/s working abroad, monthly remittance of the relative/s abroad, monthly household
income, number of years the relative/s have been working abroad, highest educational attainment
of the relative/s working abroad and the weekly allowance.

Reasons why you were invited

The participants in this study are those individual who have relative/s abroad who are
supporting their family, who are the handler and receiver of the remittance sent to them and who
are responsible in budgeting of the finances/money and the remittance inside the home. These
qualifications are found in you and that the researchers chose you to take part. This research will
need 385 participants in all.

Your participation is VOLUNTARY

It is up to you to decide whether or not to take part. If you decide to take part, you will be
given this information sheet to keep and be asked to sign a consent form. If you decide to take
part, you are still free to withdraw at any time without giving a reason. The data you’ve given
and the results of this study will not anyway affect your situation or the work and relationship of
your relative/s abroad. If you will participate, the researchers will give you questionnaires for
you to answer. The answering of questionnaires will last for 5-7 minutes. The researchers will
take your time to answer the questionnaire and for you to answer the interview. Also, you will
honestly give information financially like the amount of the remittance sent to you which is very
personal information.
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What are the possible benefits of taking part?

You will also be asked of a suggestion regarding your spending patterns and also
solutions in facing financial problems or what must you do in facing a particular money problem.

All your answers will be kept confidential

After you have answered the questionnaire, you will be asked to put it in a sealed
envelope which the researchers will provide. Your answered questionnaire will not be opened
until all answered questionnaires from other participants will be gathered. You may not put your
name on the questionnaire if you want.

What will happen to the results of the research study?

The results will be use in the researchers’ thesis study which is a requirement in Bachelor
of Science in Business Administration major in Business Economics of the University of St. La
Salle. The results will be reported to the University Research Center of USLS. This research
study will be published and will be stored in the University Library, which they can go in to and
have a copy of it.

Who has reviewed the study?

The procedures for the conduct of this research have been reviewed by the research
professor and the research adviser.
In case you have other inquiries regarding this study, please feel to contact the
undersigned.
Kathy Joyce H. Villanueva
Researchers’ Contact Person
09154032585
katingvillanueva@gmail.com
katingvillanueva@yahoo.com.ph
https://www.facebook.com/katingvillanueva
We, the researchers, would like to thank you for giving the time to read the information
sheet. We are hoping for your positive understanding and positive response. We are looking for
you to partner with us for the success of this research.
Date: February 22, 2017
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Appendix G: CONSENT FORM

Full title of Project: Remittance Utilization, Financial Challenges and Coping Mechanisms of

Selected Overseas Filipino Households

Name, position and contact address of Researcher:

Please initial box

YES NO

1. I confirm that the study was fully explained to me or I have

read and understand the information sheet for the above study

and have had the opportunity to ask questions.

2. I understand that my participation is voluntary and that I am

free to withdraw at any time, without giving reason.

3. I agree to take part in the above study.

_________________________ ___________________ ______________________

Name of the Participant Date Signature

_________________________ ___________________ ______________________

Name of Researcher Date Signature
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Appendix H: Minutes of Defense

Minutes of the Defense: 90 minutes

Remittance Utilization, Financial Challenges and Coping Mechanisms of Selected Overseas Filipino
Households

Name of Panelist Comments/Recommendations Actions Taken Page Number

Dr. Romeo Teruel  Percentages were in words, change  Percentages were 30-59
it in figures changed into figures
 In theoretical framework, marginal  Rearranged the boxes in 11 and 13
utility comes after permanent the framework
income hypothesis  Included
 Put recommendations about recommendations on 63
managing the remittance managing the remittance
 Focus the recommendations on  Recommendation was 63
the problems and coping rewritten
mechanisms  Provided maximum and
 Provide maximum and minimum minimum data 30-59
data in the table  Rewritten the discussion 30-59
 In the discussion, no need to put  Abstract is rewritten
“in reference to table number 5”.  Changed the position of 11 and 13
Just put the results. the figures
 Review the abstract
 Figure number must be after the  Rearranged the
figure 11 and 13
frameworks
 Regroup the conceptual and  Rewritten the
theoretical framework 5-13
explanations for the
 Figure must be after the frameworks
explanations
 Explanations must include how
variables are related with each  Rewritten the significance
14-15
other of the study
 Review significance of the study  Rewritten the synthesis 23
 Provide gaps in the synthesis of the
related literatures  Rewritten the discussion 30-59
 In the discussion, relate literatures  Rewritten the conclusions 60-63
 Conclusions must be in paragraph
form
 Provide transcriptions  Rewritten the 30-59
 Provide implications discussions, able to relate
 Grammar check the literatures to the data
 Do not presume and double checked the
 Relate the related literatures grammar
 Relative/s working abroad must be
Signature changed to “household members
working abroad”
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 Give justice to the averages

 Explain more the table 10 and 12

Signature
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Appendix I: Photo Documentation

During Survey
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