Your title here!

________________________

A Research Paper
Presented to
Faculty of the Senior High School
Davao City National High School
Torres St., Davao City

__________________________

In Partial Fulfillment
of the Requirements for the
Practical Research 3
(Inquires, Investigation, Immersion)

________________________

by:

Your Name Here

March 2018
 APPROVAL SHEET

This dissertation entitled “your title here” prepared and submitted by your
names here in partial fulfillment of the requirements for Practical Research 1, has been
examined and is hereby recommended for acceptance and approval.

DINAH GALVAN-OANI
Adviser

PANEL OF EXAMINERS

APPROVED by the Panel of Examiners on oral examination with a grade of

______.

ACCEPTED in partial fulfillment of the requirements for Practical Research 1.

Comprehensive Examination: PASSED

WENEFREDO E. CAGAPE, EdD.,Ph.D

Dean, Graduate School

March 2018
 ABSTRACT

The purpose of this qualitative study was to understand how public school

teachers are drained in debt and describe the coping mechanisms they employed.

Phenomenological research was utilized through 22 participants in three focus group

discussions to explore experiences of debts. Results revealed that public school

teachers perceived their financial resources as: cash scarcity and loan dependence.

Likewise, the insights and experiences of teachers in relation to debts were:

supplemental value of loans, negative effects of loans and proper attitude towards loan.

Building support system and finding other sources of income were the coping

mechanisms employed by public school teachers in order to overcome the painful

aspects of indebtedness. Debts among public school teachers may have negative

impact on health and work commitment; thus hindering them to have healthier and

fulfilling lives…. Do not copy this yet !DO NOT PRINT please lang jud!
 ACKNOWLEDGEMENTS …sample only make your own

I am grateful to many people who made this doctoral journey a fulfilling

experience. Dr. Glmy mentor, who provided wisdom, insight, and encouragement

during the past years. Dr. Gempes kept my spirit up through the challenges and the

assistance with the important details necessary to the creative process of writing this

dissertation.

I would like to thank the chair of my committee, Dr. Eugenio S. Guhao, whose

steady guidance has made this process the most meaningful educational experience. I

would also like to thank the other members of my committee, Dr. Jocelyn B. Balili, Dr.

Rachel R. Amparo, Dr. Roque Langcoy, Dr. Luningning A. Tecson and Dr. Rinante

L. Genuba who helped to make this dissertation become a product that I am proud of.

A heartfelt gratitude goes to my classmates who have provided much assistance,

encouragement, and insight during the weekly brainstorming and the completion of

coursework. Bing Dasalla, Randy Fernandez , Sir Abe Concepcion, Sir Charlie

Aspacio, Maam Mila Novabos, Clarence Pillerin, Leonard Pajo, Jean Francisquete,

Voltaire Fernandez, and the late Glennor Jawati , you are my learning team. Thank

you for the love.

I am grateful to Roni P. Mines, a classmate and friend from the very first day of

this doctoral journey. Her warmness is as consistent as ever and for reminding me to

celebrate the successes along the way.

To all my fellow teachers and close friends in our school, Ate Dolly, Ching and

Maam Adel. They were never tired of my conversations about my research and
experiences. They offered support and encouragement during difficult times, and they

shared joyful moments.

To all my in-laws, for the trust and confidence.

To all my second year students ( Apitong, Cypress, Fauna & Flora 2011-2012)

for reminding me to play and joke around so the work is more enjoyable.

I am grateful to all of the 22 FGD participants who graciously shared their

stories on debts and provided the texture for this study. Their voices are at the core of

this research. I have learned much from them, and their personal accounts touched me

deeply.

Thank you always.

DGO this is my code make your own

 DEDICATION…make your own design.SAMPLE only

I would like to dedicate this dissertation to my loving and

supportive husband, Tan-tan, who has provided continuous

support and encouragement over the course of this endeavor

and for stepping aside as I was stepping up. I would also like to

recognize my two daughters, Ate Shoobie and, Baby Beauty.

They have been patient with their mommy who did not play and

attend to their needs for a while with as much as she would have

liked because she was “doing her homework.”

My parents (Jesus and Vivian Galvan) who dedicated

their lives to my educational, personal, and spiritual growth.

Because of them, I have a lifelong love of learning, and I had the

opportunity to fulfill all my goals. My sisters JOVIE and LILING,

and brother COCOY for all the prayers and the love, none of this

would have been possible without them.

I want to give thanks and praise to my Lord and Savior

Jesus Christ, the author and finisher of my faith.

“With men this is impossible, but with God all things are
possible.”
Matthew 19:26
TITLE PAGE i

APPROVAL SHEET ii

ABSTRACT iii

DEDICATION iv

ACKNOWLEDGMENT v

TABLE OF CONTENTS vi

LIST OF TABLE ix

LIST OF FIGURES x

Chapter 1 Page

Background of the problem

Statement of the problem

Conceptual Framework

Theoretical lens

Research Hypothesis

A. Qualitative Question

B. Quantitative Question

C. Mixed Question

Definition of terms

Importance of the study

Scope and limitations of the study

Chapter 2

Review of Related Literature

Chapter 3

Research design

Population

Sampling method

Data Collection Procedure

Data Analysis Method

Ethical Consideration

Chapter 4: Results and Discussions

Quantitative Results

Descriptive Statistics

Qualitative Results

Theme 1:

Theme 2:

Summary of Findings

Chapter 5. Conclusions and Recommendations

REFERENCES
APPENDICES

A Informed Consent

B Interview Guide

C Validation Sheet Summary of Ratings

D Validation Sheet

E Letter Request for Research Instrument Validation

F Letter for Member Checking

G Member Checking Form

H Archival Log

I Editor’s Certification
CURRICULUM VITAE

Your photo here…

Dinah Jurani Galvan-Oani (
free style fontstyle and size here) (each one of you must have
( …YOUR OWN NAME and address HERE!)
their own curriculum vitae)

Parenas Private Road

Catitipan, Buhangin Davao City

oanidinah@yahoo.com

Nickname :

Date of Birth

Place of Birth ;

Age :

Civil Status ; Single

Educational Attainment

Secondary : Maco National High School

Maco, COMVAL

Awards

Elementary : Monkayo Elementary School

Moncayo, COMVAL

Awards
RECOGNITION & APPRECIATION RECIEVED*:

ORGANIZATIONS

VALIDATION SHEET FOR INTERVIEW GUIDE

 Name of Researcher:__________________ Degree Enrolled:____________________
Title of Research:________________________________________________________
________________________________________________________
Name Of Evaluator:________________________ Date Evaluated ________________
Degree of Evaluator________________________
Position of Evaluator_____________________ Signature of Evaluator___________

RATINGS: Number of YES Marks

( ) 10 Very Good ( ) 6-7 Fair (maybe upgrade if revised)

( ) 8-9 Good ( ) 0-5 For revalidation

To the Evaluator: Kindly check the column which fits your evaluation of the item.

Items YES NO

Ethics:
Introduction ( purpose, confidentiality, duration, way of conduct)
and closing components ( for additional comments) are provided
Informed Consent is included
Artistry:
Script is included/built in, so interviewer can introduce, guide and
conclude the interview in a consistent manner.
Questions are appropriate to the study, enhancing the possibility
of storytelling and narratives.
Rigor:
Questions are open-ended to encourage in-depth responses;
avoiding close –ended questions which are answerable by “yes”
or “no”
Questions are stated in the affirmative
Probe questions are provided
Questions are logically ordered asking the highest priority
questions first. Opinion question follow information questions.
Questions are stated in clear and simple terms.

REMARKS:
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