CSPC - BSBA-Financial Management

𝐓𝐡𝐞 𝐔𝐥𝐭𝐢𝐦𝐚𝐭𝐞 𝐁𝐒𝐁𝐀-𝐅𝐌 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞

Who’s ready to prove their financial knowledge under pressure?

𝙏𝙝𝙚 3𝙁 2026: 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙁𝙖𝙘𝙩𝙨 𝙁𝙖𝙘𝙚-𝙤𝙛𝙛 will take place on April 30, 2026 at the CSPC Gymnasium, featuring all Level I BSBA-FM students in an exciting battle of financial facts and quick thinking.

Gear up, stay sharp, and let your financial intelligence shine.

𝘊𝘢𝘱𝘵𝘪𝘰𝘯 𝘣𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭 𝘙𝘦𝘰𝘭𝘰 𝘑𝘳. | 𝘊.𝘖.𝘖- 𝘐𝘯𝘵𝘦𝘳𝘯𝘢𝘭, 𝘑𝘍𝘐𝘕𝘌𝘟, 𝘊𝘚𝘗𝘊
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘔𝘢. 𝘒𝘺𝘭𝘢 𝘙𝘩𝘪𝘻 𝘈𝘨𝘶𝘪𝘭𝘢 | 𝘚𝘕𝘊, 𝘑𝘍𝘐𝘕𝘌𝘟, 𝘊𝘚𝘗𝘊

𝗧𝗲𝗹𝗹 𝗧𝗵𝗲𝗔𝗡𝗔𝗟𝗬𝗦𝗧 | 𝗪𝗵𝗮𝘁 𝗶𝘀 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂’𝘃𝗲 𝗵𝗮𝗱 𝘁𝗼 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲 𝗮𝘀 𝘆𝗼𝘂 𝗱𝗲𝗮𝗹 𝘄𝗶𝘁𝗵 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲?
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‎In a recent Initial Public Opinion (IPO) survey conducted by TheANALYST, 65 of 262 BSBA-FM students from Camarines Sur Polytechnic Colleges shared what they had to sacrifice as they deal with financial pressure. Their responses indicate how individuals adjust their priorities and make difficult choices when faced with limited financial resources.
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‎63.5% 𝘀𝗮𝗶𝗱 𝘁𝗵𝗲𝘆 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝘄𝗮𝗻𝘁𝘀
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‎The majority of respondents chose to give up personal wants such as leisure activities, shopping, or hobbies. This shows that non-essential expenses are often the first to be reduced during financial strain, as individuals prioritize necessities and long-term needs over immediate satisfaction. Sacrificing personal wants also helps focus limited income on essential needs, reduce financial stress, and avoid debt, making it a practical step toward maintaining financial stability.
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‎17.6% 𝘀𝗮𝗶𝗱 𝘁𝗵𝗲𝘆 𝗰𝗵𝗼𝘀𝗲 𝘁𝗼 𝗴𝗶𝘃𝗲 𝘂𝗽 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀
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‎Some respondents shared that they had to let go of certain opportunities, such as events, experiences, or personal development activities. This reflects how financial pressure can limit not only spending but also growth and participation in meaningful experiences. According to the UNESCO Global Education Monitoring (GEM) Report, financial barriers are among the major factors that restrict individuals, particularly learners, limiting their access to educational and enrichment opportunities.
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‎16.2% 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗶𝗻𝗴 𝗰𝗼𝗺𝗳𝗼𝗿𝘁 𝗮𝗻𝗱 𝗰𝗼𝗻𝘃𝗲𝗻𝗶𝗲𝗻𝗰𝗲

‎A portion of respondents indicated that they compromise comfort and convenience, such as choosing cheaper alternatives or adjusting their daily routines. This shows how financial pressure leads individuals to prioritize essential needs over comfort and lifestyle preferences. This is supported by the World Bank, which explains that financial hardship forces individuals and households to reduce non-essential consumption and adjust their daily living conditions in order to meet basic needs.
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2.7% 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗶𝗻𝗴 𝗽𝗲𝗮𝗰𝗲 𝗼𝗳 𝗺𝗶𝗻𝗱
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‎The least number of respondents associated financial pressure with sacrificing peace of mind, highlighting its emotional and mental impact. According to the World Health Organization, financial stress is a significant social determinant of mental health and can contribute to anxiety, emotional strain, and reduced psychological well-being.
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‎These findings show that people primarily give up personal wants and adjust their lifestyles to cope with financial challenges. It reflects a strong sense of prioritization and resilience, as individuals focus on what truly matters during difficult times. However, the presence of emotional strain also raises an important question: how can individuals maintain both financial stability and well-being in the face of ongoing financial pressure?
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‎Sources: Investopedia, UNESCO, World Bank, & WHO

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘏𝘺𝘢𝘤𝘪𝘯𝘵𝘩 𝘙𝘰𝘴𝘢𝘭𝘦𝘴
𝘊𝘰𝘱𝘺𝘳𝘦𝘢𝘥 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴
𝘚𝘔𝘗 𝘣𝘺 𝘓𝘰𝘷𝘦𝘭𝘺 𝘋𝘦 𝘓𝘪𝘮𝘢

𝐅𝐈𝐍𝐅𝐀𝐂𝐓 𝐌𝐎𝐍𝐃𝐀𝐘

Too much money in circulation can cause inflation. When governments increase the money supply faster than the production of goods and services, people have more money to spend—but the number of goods stays the same. As a result, prices rise.

According to Investopedia, inflation happens when there is “too much money chasing too few goods,” which leads to higher prices and reduced purchasing power. Supporting this, economic theory also explains that increasing the money supply without matching economic output will push prices upward over time.

This shows that managing the money supply is important to maintain price stability and protect the value of money.

source: Investopedia


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𝘊𝘢𝘱𝘵𝘪𝘰𝘯 𝘣𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭 𝘙𝘦𝘰𝘭𝘰 𝘑𝘳. | 𝘊.𝘖.𝘖- 𝘐𝘯𝘵𝘦𝘳𝘯𝘢𝘭, 𝘑𝘍𝘐𝘕𝘌𝘟, 𝘊𝘚𝘗𝘊
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘓𝘦𝘢𝘩 𝘈𝘳𝘮𝘪𝘭𝘭𝘰𝘴| 𝘊𝘈𝘖, 𝘑𝘍𝘐𝘕𝘌𝘟, 𝘊𝘚𝘗𝘊