Personal budgetary practices of call center agents in Taytay, Rizal calendar year 2016 Jessa Rene N. Borja, Maria Christina D. Escotido, Jean Marie S. Lopez, Glizel Ann R. Mesa

Thesis BSBA-FM University of Rizal System, Binangonan 2017

includes bibliographical references

This study primarily aimed to determine the Personal Budgetary Practices of Call Center Agents in Taytay, Rizal Calendar Year 2016. The researchers used descriptive research method to describe and determine the recent condition of the call center agents with respect to their Personal Budgetary Practices. The questionnaire checklist was the source of instrument in collecting data to 70 call center agents of Bluebean Incorporated and Delta Call Center in Taytay, Rizal. Such data were tallied, analyze and interpreted based on the statistical instrument used such as the Frequency, Percentage and Rank Distribution, Weighted Mean and One-Way ANOVA. With respect to the respondent's profile, a great majority of them were young adults, regularly employed, less than a Year in position, and had worked for more than 2 Years now. In the often time, majority of them were female, mostly were single and college level, and half of them are gaining highest salary. Data revealed that the obtained grand mean was 3.37 with verbal interpretation of "frequently" which means, the respondents are frequently take care of what they own, show patience and sticks to long- term vision, and continues to save every month. However, they sometimes extends financial assistance to a neighborhood or friends in need, borrows easily to any creditor, public or private individual institution, buys quality used car instead of brand new ones, maintains regular check- up of car to avoid breakdowns and cleans and repaints the gutters and roofs before the onset of the rainy season to avoid clogging. Based on the tested hypothesis, the researchers found out that there was significant difference between the personal budgetary practices of the call center agents in terms of educational attainment and monthly income; and there was no significant differences between the personal budgetary practices of the call center agents in terms of age, civil status, sex, Years in the present position, Years of experience and occupational status. From the summary of findings, the researchers have the following conclusions: The respondents sometimes buy quality used car instead of brand new ones because call center agents must studied the way firms signaling the high quality of a property. As for the Call Center Agents who needed or wanted a car to be use in their job, buying secondhand or already used car is their option because its less expensive than brand new. As a Call Center Agents, most of them are focus on their job and they also have a conflict on their time especially to those who is schedule at night, that's why they forgot to take care of their home like repairing, repainting and cleaning of the gutter and roofs that can result to a problem. In making a budget, Call Center must know that it should not be exact only for their necessary expenses. They should also need to save money for unforeseen events like a financial assistance to their family and friends. The Call Center Agents way of living is somewhat expensive. Based on their budgetary practices, their borrowing, lending practices is been done sometimes which need to be avoided for a reason that it can be a burden rather than a help. Out of the summary of findings and conclusions provided by the researchers, they recommend the following: Car is now a necessity especially to a call center. However, they must study thoroughly the cost (such as the interest, maintenance) and the term of payments before making a loan. The call center agents must choose a loan amount and the term of payment which is affordable and not a burden to them. Buying a new car is better done a second hand to lesser the cost of repair. If money is not sufficient to pay a new car, the call center agents must wait and learn to save the needed funds rather than to suffer to high cost of repairs. The call center agents must monitor regularly the condition of the house and make an immediate necessary repair to control the accumulation of high damages which create high cost and repair. The call center agents must monitor their total savings in a bank and a high amount of expenses. They must refrain from lending money if not necessary and being extravagant. The call center agents who owned a new car must regularly check up the car's conditions to avoid problems. They must follow the schedule of repair.