USAGE OF E-WALLET AMONG STUDENTS IN SELECTED COLLEGES IN

THE UNIVERSITY OF SOUTHERN MINDANAO

SARAH MAE B. MAMA

BACHELOR OF SCIENCE IN INTERNATIONAL RELATIONS

(Asian Studies)

JUNE 2023
USAGE OF E-WALLET AMONG STUDENTS IN SELECTED COLLEGES IN
THE UNIVERSITY OF SOUTHERN MINDANAO

SARAH MAE B. MAMA

Thesis Manuscript Submitted to the Department of International Relations,

Institute of Middle East and Asian Studies, University of Southern
Mindanao, Kabacan, Cotabato in Partial Fulfilment of the
Requirements for the Degree of

BACHELOR OF SCIENCE IN INTERNATIONAL RELATIONS

(Asian Studies)

JUNE 2023
 UNIVERSITY OF SOUTHERN MINDANAO
Kabacan, Cotabato
Philippines

APPROVAL OF THESIS MANUSCRIPT

Name Sarah Mae B. Mama
Major Asian Studies
Degree Sought Bachelor of Science in International Relations
Specialization
Thesis Title Usage of E-Wallet Among Students in Selected Colleges in the
University of Southern Mindanao

APPROVED BY THE GUIDANCE COMMITTEE

REMEDIOS C. KULIDTOD, MAEd ______________________________

Adviser Co-Adviser
(Optional)
______________ _____________
Date Date
____________________________ SAIMA M. ANDIL, MAPD
Statistician Department Research Coordinator
(Optional)
______________ _____________
Date Date
REMEDIOS C. KULIDTOD, MAEd
Department Chairperson
______________
Date

SAIMA M. ANDIL, MAPD ABDULNASSER G. MAKALUGI, EdD

College Research Coordinator Dean
______________________ ______________________
Date Date
Study No: ________________
Index No: ________________
Recorded by: _____________
RECORDED:
LYDIA C. PASCUAL, PhD
Director for Research and Development Office
_________________
Date
Recorded by: __________

USM-EDR-F05-Rev.4.2020.11.16

ii
 UNIVERSITY OF SOUTHERN MINDANAO
Kabacan, Cotabato
Philippines
ACCEPTANCE OF THESIS

The thesis attached hereto, entitled “USAGE OF E-WALLET AMONG STUDENTS

IN SELECTED COLLEGES IN THE UNIVERSITY OF SOUTHERN MINDANAO” prepared

and submitted by SARAH MAE B. MAMA in partial fulfillment of the requirements for the

degree of BAHELOR OF SCIENCE IN INTERNATIONAL RELATIONS is hereby accepted.

REMEDIOS C. KULIDTOD, MAEd

Adviser

________________________
Date

SAIMA M. ANDIL,
MAPD
College Research Coordinator

_________________________
Date

USM-EDR-F10-Rev.4.2022.10.18

iii
 BIOGRAPHICAL DATA

The researcher was born on the 9th day of May 1994 in Poblacion

Kabacan, Cotabato. She is the eldest and only daughter among the three

children of Mr. Ebrahim D. Mama and the late Ms. Anisa B. Mama. Her

siblings are Ibrahim B. Mama Jr. and the late Amor B. Mama. She is married

to Esmael S. Ali and has three children.

She completed her elementary education at Kabacan Pilot Central

Elementary School in 2006 and her secondary education at Carmen National

High School in 2010. After a ten-year break from studying, she decided to

pursue her tertiary education at the University of Southern Mindanao,

Kabacan, Cotabato.

Her desire and determination brought her to pursue tertiary education

at the University of Southern Mindanao, Kabacan, Cotabato. She is now

taking up Bachelor of Science in International Relations major in Asian

Studies.

SARAH MAE B. MAMA

Researcher

iv
 ACKNOWLEDGEMENT

The researcher would like to extend her deepest gratitude to the

Almighty Allah for giving her strength, guidance, wisdom and blessings to

finish this study.

She is also grateful and thankful to the following persons for their

untiring support, guidance, patience, understanding and supervision in

bringing this study to success.

To Remedios C. Kulidtod, her very supportive research adviser, for her

dedication on spending time in guiding, for the valuable suggestions, efforts,

and encouragement towards the completion of this study.

The members of examining committee Dr. Abdulnasser Makalugi, the

Dean of the Institute of Middle East and Asian Studies; Mrs. Saima M. Andil,

College Research Coordinator; Dr. Dialica L. Caup and to Mr. Monibar M.

Sudang, for their advice, comments and creative opinion shared during the

thesis defense.

To Dhen Mama and Haira Mama her cousins, for their moral support

and for always motivating her.

To Norjane Mamangkas her childhood bestfriend and to her classmates

for the companionships, laughters, concerns, supports and encouragements.

v
 To Ibrahim Mama Jr. her only one brother and to Thets

Paidomama ,Tayan Paidomama, and Fairuds Dapilaga her aunts for their

emotional, spiritual, and financial support.

To Esmael Ali her husband thank you for being there all the ways, for

understanding my weaknesses, for taking care of me and to our 3 children, for

the love and patience which motivated me to excel further in my studies, for

the love and assistance in every step of my thesis and most especially for

strengthening my faith to the Almighty Allah. You and our children are always

my inspiration and my strength to overcome all odds.

Last but not the least, To Ibrahim Mama the most important person to

her life her beloved father for not giving up to support her to finish her study

whenever she already have her own family, for not stop believing her that

someday she will success to her life and for the unstoppable love, care and

guidance.

vi
 TABLE OF CONTENTS

PRELIMINARIES Page

Title Page

Approval of Thesis Manuscript..........................................................................ii

Acceptance of Thesis....................................................................................iii

Biographical Data..........................................................................................iv

Acknowledgement.........................................................................................v

Table of Contents........................................................................................viii

List of Tables.................................................................................................ix

List of Figures................................................................................................x

List of Appendices.........................................................................................xi

Abstract........................................................................................................xii

INTRODUCTION................................................................................................1

REVIEW OF RELATED LITERATURE.............................................................5

METHODOLOGY.............................................................................................15

Research Design.........................................................................................15

Respondents of the Study...........................................................................15

Sampling Procedure...................................................................................16

Research Instrument...................................................................................16

Data Gathering Procedure..........................................................................16

Statistical Analysis......................................................................................17

vii
RESULTS AND DISCUSSION........................................................................18

SUMMARY, CONCLUSIONS AND RECOMMENDATIONS..........................28

LITERATURE CITED.......................................................................................30

APPENDICES..................................................................................................35

CURRICULUM VITAE.....................................................................................46

viii
 LIST OF TABLES

Table Title Page

1 Socio-Demographic Profile of the Respondents 20

2 Level of Awareness on the Nature of E-wallet 23

3 Level of Awareness in General Usage of E-wallet 25

4 Usage of E-wallet in Terms of Frequency 27

ix
 LIST OF FIGURES

Figure Title Page

1 Graph of Total Amount per Transactions 21

2 Graph of Most Prefer use E-wallet 22

x
 LIST OF APPENDICES

Appendix Title Page

A Application of Research Adviser

Application Research Title37

C Cover Letter.................................................................................38

D Letter of Permission....................................................................39

E Actual Budget of Research..........................................................40

F Schedule of Research Activities..................................................41

G Gantt Chart..................................................................................42

H Documentation............................................................................43

I Application for Manuscript Defence............................................44

J Manuscript Processing Form......................................................45

xi
 ABSTRACT

MAMA, SARAH MAE B. 2023. Usage of E-wallet among Students in Selected

Colleges in the University of Southern Mindanao . BSIR Thesis, Institute
of Middle Eat and Asian Studies, University of Southern Mindanao,
Kabacan, Cotabato. 59 pp

Adviser: REMEDIOS C. KULIDTOD, MAEd

This study aimed to determine the usage of e-wallets among students

in selected colleges at the University of Southern Mindanao. It focused on the
socio-demographic profile of the respondents, awareness of e-wallets, and
general usage.
The study employed a descriptive research design, with 120
respondents selected through quota and snowball sampling. A survey
questionnaire was used to collect data, which were analyzed using descriptive
statistics such as weighted mean.
The results showed that the majority of the respondents were female,
Maguindanaon, single, third-year students aged 21-25. Gcash was the most
preferred e-wallet platform. Overall, students exhibited a high level of
awareness and usage of e-wallets.
E-wallets are increasingly popular for online payments due to their
convenience and ease of use. Future studies could focus on security,
advantages, and disadvantages of e-wallets. Additionally, it is suggested that
e-wallet providers organize awareness campaigns to promote comfort and
adoption of e-wallet usage.

Keywords: Bill payment, Cash in, Cashless, Cash out, E-wallet, Money
transfer.

xii
 INTRODUCTION

Technological advancements have brought forth a range of IoT-based

devices and cloud-based platforms. Huawei Technologies, a Chinese

technology firm, reports that the Philippines ranks 59th out of 79 countries in

the 2020 Global Connectivity Index, indicating its nascent state in digital

transformation (Balinbin, 2021). Mobile payment was introduced in the

Philippines in 2001, enabling users to send and receive money, pay bills, and

make purchases using their mobile phones (Funa, 2020).

Electronic wallets represent a technological advancement in the

financial system. They are applications that enable financial transactions using

mobile devices. With these applications, users can make payments while

shopping without carrying physical cards (Kagan, 2022).

The development of e-wallets has become a thriving industry, offering

hassle-free transactions via mobile devices. In today's economy, e-wallet

transactions have gained popularity as a convenient payment option

(Chaturvedi, 2020). Electronic wallets serve as platforms for making online

payments for goods and services using the internet.

Use of e-wallet apps benefits consumers and businesses alike,

regardless of the industry, be it groceries or online e-commerce platforms. E-

wallet transactions have become increasingly common in today's economy.

 2

Mobile Payment Solution (MPS) refers to using an internet connection

and a mobile device to process payments for goods and services (Di Pietro et

al., 2015). E-wallets are modern technological innovations that have gained

prominence in both developing and developed economies (Lu et al., 2017).

Popular e-wallets in the Philippines include Gcash, Coins.Ph, Paymaya,

ShopeePay, DragonPay, and ML Wallet. These electronic payment systems

offer advantages such as simplicity, flexibility, and the freedom to conduct

transactions without restrictions (Kow et al., 2017).

Some researchers have demonstrated the numerous advantages and

benefits that technological advancements in e-wallets offer to users. Electronic

wallets incorporate features that simplify and expedite transactions.

The results of this study, as provided by the researcher and

respondents, shed light on the functionality and user-friendly nature of e-

wallets for online transactions. This study also serves as an introduction to

students who may be unfamiliar with electronic wallets.

E- Wallet User. This research benefits e-wallet users by raising

awareness about the effectiveness and general usage of e-wallets. It provides

insights into the pros and cons of e-wallets, helping users make informed

decisions about adopting this system.

Future Researchers. This research has the potential to assist future

researchers seeking to understand motivations behind using e-wallets.

 3

Moreover, it can serve as a foundation for future studies comparing the current

and future utilization of e-wallets and how they have evolved over time.

In general, this study aims to examine the usage of e-wallets among

students in selected colleges at the University of Southern Mindanao.

Specifically, it aims to determine the socio-demographic profile of the

respondents, including factors such as age, sex, tribe, civil status, year of

study, and college affiliation. Additionally, the study aims to identify the most

preferred use of e-wallets, the total amount incurred per transaction, the level

of awareness regarding the nature of e-wallets, and the general awareness of

e-wallet usage among the respondents.

The study aims to determine the socio-demographic profiles of the

respondents, their level of awareness regarding the nature of e-wallets, and

their overall awareness of e-wallet usage among students in selected colleges

at the University of Southern Mindanao. The research was conducted during

the first semester of the 2022-2023 school year in the chosen colleges of the

University of Southern Mindanao, located in Kabacan, Cotabato.

Operational Definition of Terms

Bills payment – This refers to online payment of water bills, electric bills, and

other bills using e-wallets.

Cash in – Depositing money in the e- wallet.

 4

Cashless - A system where payments are made using bank cards or e-

wallets, transferring money electronically instead of using cash.

Cash out – Withdrawing money from the e-wallet platform and converting it

into cash.

E-wallet – A secure money management app or online platform that enables

receiving, sending, and purchasing online using a mobile phone.

Gcash, Coins Ph, Dragonpay, Paymaya, ML wallet, Shopeepay – Some of

the popular electronic wallets (e wallets) used in the Philippines

Selected colleges - CASS, CBDEM, CEIT, CED, CHEFS and IMEAS

Mobile Payment - Contactless payment methods using mobile devices such

as mobile phones, smartwatches, and tablets.

Money transfer – This means sending money to bank accounts, remittance,

and other electronic wallets.

Acronym

CASS – College of Arts and Social Sciences

CBDEM – College of Business, Development, Economics and Management

CEIT – College of Engineering and Information Technology

CED – College of Education

CHEFS – College of Human Ecology and Food Sciences

IMEAS – Institute of Middle East and Asian Studies

 5

REVIEW OF RELATED LITERATURE

An electronic wallet, also known as an e-wallet, is an electronic card

used for online transactions via computers or mobile devices. E-wallets are

prepaid accounts that allow users to redeem funds for online payments. They

are password-protected and offer convenience for purchasing groceries,

making online purchases, and booking plane tickets using smartphones.

These transactions reduce the risk of online bank account hacking since they

do not require credit or debit card details (Economic Times, 2015).

The origins of digital payments can be traced back to Coca-Cola's

introduction of vending machines in Helsinki in 1997, where customers could

purchase cans through text messages. Over time, mobile devices have

become the primary means for purchasing movie and travel tickets, making

hotel reservations, and ordering food. In 2003, around 95 million mobile phone

users engaged in shopping through their mobile devices (Sachdev, 2019).

Digital wallets offer users the convenience of securely storing one or

more payment methods digitally. With digital wallets, there is no need to carry

cash or cards, as payments can be made through smartphones. User

information is highly encrypted, making digital wallets a secure payment

option. It is projected that by 2025, digital wallets will become the second most

popular payment method (Sasco, 2020).

 6

Google was the first major company to launch a mobile wallet in 2011.

Android and Samsung Pay followed in 2015. In 2019, e-wallets like Grab Pay,

Lazada Wallet, PayPal, Touch 'n Go, and GCash gained significant popularity

as payment methods.

An e-wallet is a digital wallet accessed through a mobile application. It

holds real money and enables fund transfers to other wallets and platforms

without the need for physical currency. During the pandemic, when physical

activities were restricted, e-wallets provided a safe and convenient transaction

method. Anyone with a phone could create an account. In 2020, Filipinos fully

embraced online shopping, with approximately 52% reporting their first online

shopping experience. The growing popularity of digital payments, particularly

e-wallets, contributed significantly to this growth (Cases, 2022).

According to a 2021 survey, Gcash is the most popular and frequently

used e-wallet among the majority of respondents in the Philippines. Gcash,

operated by Globe Telecom, supports digital payments through Digital

Financial Services (DFS), working with existing financial institutions such as

banks and money transfer centers. It facilitates digital money transfers

between friends and family, as well as payments at stores accepting this

method. Gcash prioritizes security by using a PIN for transactions and not

storing users' credit card details. Transaction authentication is achieved

through a GCash Security Code (GCSC) sent via SMS. With millions of users,
 7

Gcash is the most widely used e-wallet in the Philippines (Expat in the

Philippines, 2021).

The main advantage of e-wallets for both consumers and retailers is

the convenience of instant money transfers. Most e-wallets offer password

protection and biometric authentication to prevent unauthorized usage.

However, individuals who are not familiar with online transaction technology

may find e-wallets challenging. It is crucial for users to maintain strong and

frequently changed passwords to mitigate potential hacking risks. Ultimately,

the security of any system is not foolproof, and it is important to remain vigilant

(Sasco, 2020).

According to McKinley and Rossi (2017), the history of mobile wallets

traces back to Apple's launch of its app store in July 2008, which enabled

third-party developers to create apps with payment capabilities.

The world's first telephone-based banking service, utilizing an SMS-

based mobile payment system, was introduced by Merita Bank of Finland in

1997 (Mansuri, 2022).

E-wallets are applications that store credit card information, allowing

users to conduct e-commerce transactions. Currently, using e-wallets is widely

recognized as the most popular payment method due to their advantages of

flexibility, convenience, and security (Uddin & Akhi, 2014). Mobile wallets are

also valued for their innovative features, such as personalization and instant

communication (Osakwe et al., 2016). E-wallets benefit not only shoppers but
 8

also merchants, who appreciate the fast transaction process, efficient cash

management, and reduced labor costs (Hayashi & Bradford, 2014).

Transactions of this nature commonly take place in physical stores,

where customers use their mobile phones to scan QR codes for payment

confirmation (Lu, 2018).

E-wallet payments offer simplicity, speed, convenience, and peace of

mind to consumers for transactions anytime and anywhere (Liébana-

Cabanillas et al., 2014). E-wallets facilitate easy micro transactions and can be

installed on mobile devices (Punwatkar et al., 2018).

Studies have shown that digital payment methods are more cost-

effective compared to cash transactions (Meyer et al., 2019; Zimmerman et

al., 2014; Estioko et al., 2019).

According to Xendit (2021), the top three e-wallets in the Philippines

are Gcash, with over 33 million users and 63,000 partner merchants

nationwide; PayMaya, with 28 million active users and 200,000 touchpoints for

payments, account charges, and withdrawals; and GrabPay.

Electronic wallets continue to grow and are mainly used by ordinary

people, as their service value includes several factors such as security and

user payment convenience. People use it because of its many advantages,

but also the reliability of the technology should be at the core of our

development services. This is because it affects users' confidence in the

 9

products used. If there is an advantage, reliability and trust in the product will

certainly affect how often the service is used (Soodan et., al, 2020).

Convenience. Convenience, as defined by the Cambridge Dictionary,

refers to something that suits one's needs and does not interfere with their

schedule or project. It encompasses ease of use and the ability to make life

comfortable. Sharma and Gatierrez (2010) emphasize the benefits of

portability and instant access, highlighting the simplicity and ease of use

associated with convenience.

Security. Security is considered as a set of devices and methods that

ensure the integrity, security and source verification of data to avoid network

and data problems. Fraud is less likely because digital transactions are

generally more secure and can be tracked more accurately. Most researchers

agree that security is a positive and important factor influencing the use of e-

wallets (Kabir et al., 2017; Batra & Kalra, 2016).

Advantage and Disadvantages. Yakean (2020) presents a discussion

on the pros and cons of cashless payments in Thailand. Cashless payment

methods in Thailand include credit and debit cards, ATMs, mobile/internet

banking, e-wallets, and QR codes. One advantage of cashless payments is

the ease and efficiency it offers for financial transactions. Cashless systems

benefit businesses by providing customers with convenient, secure, and fast

payment options for goods and services. Additionally, cashless payments

 10

make financial transactions easier for students and enable bill payments

without the need to go anywhere, as they can be done using a mobile phone.

The article also highlights some drawbacks of cashless payment

systems. There is a risk of hackers accessing e-wallet accounts, necessitating

caution when using e-wallets. It is crucial to have a strong password or utilize

biometric security measures.

In their research paper, Dhingra, Sachdeva, and Machan (2020)

discuss the increasing trend of cashless, digital, and e-wallet transactions

driven by the development of fintech. Their study aims to identify the

motivations, goals, and factors influencing the adoption of e-wallets among

individuals, customers, and businesses. Key findings reveal that the ability to

use e-wallets from anywhere is a major incentive, attributed to their time-

saving nature, user-friendliness, and lack of personal status symbolism.

However, e-wallets are less preferred for toll and gas payments. The research

indicates that consumers embrace digital wallets primarily for their

convenience and ease of use, predicting their continued popularity. Security

concerns emerge as the main barrier for non-users, highlighting the need for

improved e-wallet systems based on the research outcomes.

Alam, Awawdeh, and Muhamad (2021) conducted a study focusing on

the challenges and prospects of e-wallet usage in business development.

Their research aims to explore the issues and opportunities associated with e-

wallet adoption in Malaysia and its implications for businesses and customers.
 11

The study proposes strategies to leverage strengths, opportunities, and

address weaknesses and threats in the context of e-wallet utilization.

E-wallet services are currently available in 57 countries, including

Singapore, Hong Kong, and Taiwan (Cordon, 2022).

In the Asia-Pacific region, China, India, and Indonesia have the highest

rates of digital wallet usage, particularly for online shopping. Electronic wallets

like Alipay, Paytm, and GoPay are preferred over bank transfers, cash, and

payment cards. China leads with 45% of adults using e-wallets daily and 41%

using them at least once a week, whereas in the US, only 6% of people use e-

wallets daily (Fintech News Singapore, 2022).

Based on ACI Worldwide Research, the adoption and usage rates of

mobile wallets or e-wallets in 2020 were 84% in China, 81% in Indonesia, 48%

in Japan, 83% in Malaysia, 68% in the Philippines, 61% in Korea, 71% in

Singapore, 62% in Taiwan, and 84% in Thailand (Kaisi, 2021).

In Indonesia, e-money or e-wallet payments are the most popular

fintech services. Retail e-money transactions in Indonesia grew by 173% year-

on-year in January 2020, driven by non-banking fintech providers as the

country moves towards a cashless environment (Dabo, 2022). The largest

digital transactions in Indonesia occur in retail (28%), online transportation

(27%), grocery orders (20%), e-commerce (15%), and bill payments (7%)

(Crisanto, 2021).
 12

The widespread use of mobile phones, particularly smartphones

equipped with digital payment capabilities, has been a key factor driving the

growth of digital payments in the Philippines. Nearly 90% of Filipinos own a

mobile internet-equipped smartphone, as indicated by a recent survey on

smartphone usage in the country (Devanesan, 2022).

To adapt to alternative learning methods, PayMaya is partnering with

over 40 schools nationwide to offer online and in-school cashless payment

solutions. This initiative provides students with a safer and more convenient

way to pay for enrollment and other educational expenses. Prominent

educational institutions such as Ateneo de Davao University, Makati Don

Bosco Technical Institute, Nord Anglia International School Manila, Malayan

Colleges Mindanao, Immaculate Conception University, La Salle Green Hills,

and others have integrated PayMaya's digital payment solutions. These

solutions include PayMaya's online payment gateway for online channels and

One by PayMaya Point of Sale (POS) devices for school cashiers. By utilizing

PayMaya's online payment gateway, these schools enable easy processing of

tuition and other payments through debit cards, credit cards, and e-wallets

such as PayMaya (Manila Standard Business, 2020).

In the Philippines, e-wallets like PayMaya have become widely

accepted for settling school-related expenses, providing parents with

convenient payment options (PayMaya, 2020).

 13

A summary of online transactions by Filipinos using e-payment

systems reveals that the respondents primarily use the system for online

shopping, followed by payments at restaurants, all types of shops, food

delivery, and bill payments. Other transactions such as airline bookings,

insurance, and services through e-wallets are less common. Among the

popular categories for online purchases are bill payments, electronics, flights

and accessories, travel, beauty, and cosmetics (Raon et al., 2021).

A survey conducted by Rappler (2020) revealed that Filipinos primarily

use e-wallets for online shopping (28%), paying bills (23.4%), sending money

to other users (15%), buying load (15.1%), paying in shops (12.1%), and other

uses (5.4%).

When conducting transactions online, users have expressed concerns

about privacy and payment security, as highlighted by Niranjanamurthy and

Chahar (2013).
 14

METHODOLOGY

This chapter provides an overview of the research design, the

respondents of the study, the sampling procedure, the research instrument,

the data gathering procedure, and the statistical analysis.

Research Design

This study used a descriptive research method to examine the socio-

economic profile, including age, sex, tribe, civil status, year, college, types of

e-wallet used, and total amount incurred per transaction. Additionally, it aimed

to assess the level of awareness regarding the nature of e-wallets and the

general usage of e-wallets among students in selected colleges at the

University of Southern Mindanao.

Respondents of the Study

The respondents of this study comprised students officially enrolled in

selected colleges at the University of Southern Mindanao who were also users

of e-wallets.
 15

Sampling Procedure

The researcher employed a quota and snowball sampling method in

selecting the respondents for the study. An equal number of students were

chosen from each selected college in the University of Southern Mindanao.

Research Instrument

In this study, the researcher utilized a modified survey questionnaire,

adapted from the study conducted by Pandit (2017) titled "Customer

Awareness towards E-wallet". The questionnaire consisted of three parts. The

first part focused on gathering socio-economic profiles of the respondents,

including age, sex, year, marital status, colleges attended, most preferred e-

wallet, and total amount per transaction. The second part aimed to assess the

level of awareness regarding the nature of e-wallets, while the third part aimed

to gauge the level of awareness regarding the general usage of e-wallets

among students in selected colleges at the University of Southern Mindanao.

Data Gathering Procedure

 16

The data gathering procedure for this study involved several steps.

Firstly, the researcher sent a letter to the dean of the selected colleges,

seeking permission to conduct the study. Once the letter was approved, the

researcher personally distributed the questionnaires to the identified e-wallet

users, verifying their e-wallet platforms. The researcher provided guidance

and instructions to the students to assist them in filling out the questionnaires.

Finally, the researcher collected all the distributed questionnaires,

consolidated the gathered data, and prepared it for tabulation and statistical

analysis.

Statistical Analysis

To assess the level of awareness on the nature of e-wallets and their

general usage among students in selected colleges at the University of

Southern Mindanao, various statistical tools were employed. Descriptive

measures such as frequency counts and percentage computation were

utilized to determine the socio-demographic profile of the respondents. The

level of awareness on the nature of e-wallets and their general usage was

evaluated using frequency analysis, while the weighted mean was employed

for further interpretation. These statistical tools provided valuable insights into

the awareness levels and perceptions of the respondents towards e-wallets.

 18

RESULTS AND DISCUSSION

This section presents the findings of the study, focusing on the socio-

demographic profile of the respondents, as well as their level of awareness on

the nature and general usage of e-wallets.

I. Socio-Demographic Profile of the Respondents

Table 1 provides the data on the socio-demographic profile, including

sex, age, tribe, marital status, and year level.

Sex. Based on the result of the study, out of 120 respondents, 80 (67%)

were females and 40 (33%) were males. It could be interpreted that majority of

the responses to the questionnaire came from female respondents. Women is

more technologically adopted compared to male. According to Rakuten Insight

survey, Philippines (2022) As of February 2020, over 61% of female

respondents and 39% of male respondents paid their transactions many times

a month using an e-wallet.

Age. Among the respondents, 68 (57%) were in the age bracket of 21-

25 years old, 42 (35%) were in the age bracket of 15-20 years old, and 10

(8%) were in the age bracket of 26-30 years old. The majority belonged to the

21-25 age group, suggesting their greater familiarity with e-wallet applications.
 19

Tribe. The respondents represented various tribes, with 27% being

Maguindanaon, 20% Bisaya, 15% Ilocano, 8% Cebuano, 8% Iranon, and 3%

Maranao. The remaining 19% belonged to other tribes. The majority were

Maguindanaon, reflecting the demographic composition in the region.

Marital Status. Among the respondents, 92% were single and 8% were

already married. This finding is expected since all the respondents were

students.

Year Level. Based on the result of the study, 46 (38%) are from the 3 rd

year level indicating the majority of the samples. 30 (25%) are from the 2 nd

year level the second largest of the respondents. 29 (24%) are from the 1 st

year level and 15 (13%) represents the 4 th year level from a total of 120

respondents. This implies that majority of the respondents are from the 3 rd

year level. he majority were from the 3rd year level, indicating their exposure

and familiarity with technology, as they belong to the Gen Z generation.

 20

Table 1. Socio-Demographic Profile of the Respondents.

Frequency Percentage
Characteristics n=120 (%)
Sex
Male 40 67.00
Female 80 33.00
Age
15-20 42 35.00
21-25 68 57.00
26-30 10 8.00
Tribe
Maguindanaon 32 27.00
Maranao 4 3.00
Bisaya 24 20.00
Ilokano 18 15.00
Cebuano 10 8.00
Iranon 9 8.00
Others 23 19.00
Marital Status
Single 110 92.00
Married 10 8.00
Year Level
1st year level 29 24.00
2nd year level 30 25.00
3rd year level 46 38.00
4th year level 15 13.00
 21

Total amount per transactions

Figure 3. Figure 3 illustrates the distribution of total amount per

transactions among the 120 respondents. The majority, 28%, fell within the

range of 1,001-1,500. This was followed by 25% in the range of 501-1,000,

18% in the range of 100-500, 13% in the range of 1,501-2,000, 9% in the

range of 2,501-3,000, 5% in the range of 2,001-2,500, and the remaining 2%

in the range of 3,001 and above. It is evident that the majority of the

respondents had total amounts per transactions within the 1,001-1,500 range.

College students predominantly use e-wallets daily, while others use them

weekly or monthly.

Figure 3. Total Amount per Transactions of the respondents

 22

Most preferred use e-wallet

Figure 4. Figure 4 illustrates the respondents' preferred e-wallets.

Among the 120 respondents, 83% (99) preferred using GCash, 8% (10) used

Palawan Pay, 4% (5) used Coins.ph, and none of the respondents used ML

Wallet and PayMaya. Additionally, 5% (6) of the respondents preferred other

e-wallets such as PayPal, Lazada Wallet, and ShopeePay. This indicates that

the majority of the respondents prefer using GCash, which aligns with its

popularity and widespread acceptance in the Philippines. GCash offers

convenient bill payment and money transfer options through its app version.

Preferred used E-wallet

83%

8%
4% 5%
0% 0%

Coins Gcash ML Wallet Palawan Pay Paymaya Others

Figure 4. Most preferred use e-wallet of the respondents.
 23

II. Level of Awareness on the Nature of E-Wallet

The study revealed that the majority of the respondents exhibited a high

level of awareness regarding the nature of e-wallets, as indicated by a general

weighted mean of 4.33. This finding is consistent with the research conducted

by Rajni et al. (2021), which explored the awareness and usage of mobile

money among university students. The respondents' awareness of e-wallets

was primarily influenced by their friends' usage, as well as advertisements

seen on television and the internet. Brahmbhat (2018) also found that e-wallet

users displayed a good understanding of e-wallets and were satisfied with the

services provided by them.

Table 2. The Level of Awareness on the Nature of E-wallet Among

Students in Selected Colleges in the University of Southern Mindanao.
Nature of E-wallet Weighted Verbal
mean description
1.E-wallet stands for electronic wallet 4.41 Very Aware
2.E-wallet are typically web applications
that can be accessed from any device
that’s able to network 4.33 Very Aware
3. E-wallet can be a budgeting aid to track
transactions. 4.11 Very Aware
4.E-wallet perform other financial services 4.37 Very Aware
5. An E-wallet is a type of prepaid service
provider that needs to fill up and top up
some money before it can be used. 4.44 Very Aware
Total Weighted Mean 4.33 Very Aware
 24

LEGEND:
Mean Range Verbal Description
4.50-5.00 Extremely Aware
3.50-4.49 Very Aware
2.50-3.49 Moderately Aware
1.50-2.49 Slightly Aware
1.00-1.49 Not at all Aware

III. Level of Awareness on the General Usage of E-Wallets

Part III of the study consisted of 20 questions aimed at assessing the

respondents' awareness of the general usage of e-wallets across various

categories such as basic necessities, entertainment, bill payment, and money

transfer.

The findings showed that the respondents had a high level of awareness

regarding the general usage of e-wallets, as indicated by the overall weighted

mean of 4.05. Specifically, the students demonstrated a strong awareness in

the areas of basic necessity (mean of 4.17), entertainment (mean of 3.52), bill

payment (mean of 3.92), and money transfer (mean of 4.05).

The results revealed that the respondents exhibited a high level of

awareness in various aspects of e-wallet usage. In terms of basic necessity,

the highest mean of 4.85 indicated that they were extremely aware of using e-

wallets for purchasing load. For entertainment, the highest mean of 3.73

indicated that the students were very aware of using e-wallets for purchasing

games or top-up. In the area of bill payment, the highest mean of 4.47
 25

indicated that the respondents were very aware of using e-wallets for paying

electric bills. Lastly, in terms of money transfer, the highest mean of 5.00

indicated that the students were extremely aware of using e-wallets for cash-in

and cash-out transactions.

The findings suggest that the majority of students were highly aware of

the general usage of e-wallets. This aligns with the trends observed in online

transactions among Filipinos, as reported by Raon et al. (2021). The

respondents in the study predominantly used e-payment systems for various

purposes, including online shopping, restaurant payments, all-shop payments,

food delivery, and bill payments. Additionally, e-wallets were commonly used

for airline bookings, insurance transactions, and other services. The popularity

of online purchases was evident, particularly in categories such as bill

payments, electronics, flights and accessories, travel, and beauty and

cosmetics.

According to a survey conducted by Rappler (2020), Filipinos utilize e-

wallets for various purposes, including online shopping, bill payments, money

transfers to other users, purchasing load, making payments in shops, and

other miscellaneous uses.

 26

Table 3. Level of Awareness in General Usage of E-wallet.

a. Basic Necessity
1.To buy load Extremely
4.85 Aware
2.To pay for food delivery 4.08 Very Aware
3.Used in purchasing groceries 3.93 Very Aware
4.To avail loans 3.67 Very Aware
5.Used for an online shopping 4.34 Very Aware
Total Weighted Mean 4.17 Very Aware
b. Entertainment
1.To purchased games/ top up 3.73 Very Aware
2.Online subscriptions 3.62 Very Aware
3.Viewed updates on sports Moderately
3.36 Aware
4.To show movies 3.52 Very Aware
5. To read books Moderately
3.38 Aware
Total Weighted Mean 3.52 Very Aware
c. Bill Payment
1.To pay water bill 4.36 Very Aware
2.To pay electric bill 4.47 Very Aware
3.To pay travel ticketing or booking 3.88 Very Aware
4.To pay school tuition fees Moderately
3.25 Aware
5.To pay reservation or appointments for Very Aware
DFA/PSA/NBI 3.66
Total Weighted Mean 3.92 Very Aware
d. Money Transfer
1.Cash in Extremely
5.00 Aware
2.Cash out Extremely
5.00 Aware
3.Transfer money to bank 4.25 Very Aware
4.Send money to remittances 4.25 Very Aware
5.Send money via QR code 4.34 Very Aware
Total Weighted Mean Extremely
4.57 Aware
Total General Weighted Mean 4.05 Very Aware

LEGEND:
Mean Range Verbal Description
4.50-5.00 Extremely Aware
3.50-4.49 Very Aware
2.50-3.49 Moderately Aware
 27

1.50-2.49 Slightly Aware

1.00-1.49 Not at all Aware
Usage of E-wallet in terms of frequency

According to the study findings, the majority of respondents used

Gcash on a daily basis, with 22% using it. Coins and Palawan Pay were also

utilized, with 11% and 4% respectively. This indicates that Gcash was the

preferred e-wallet for everyday usage among the respondents.

In terms of weekly usage, 48% of the respondents used Gcash, while

10% used Coins and 18% used Palawan Pay. This indicates that Gcash was

the preferred e-wallet for weekly usage.

For monthly usage, 15% used Gcash, 17% used Coins, and 30% used

Palawan Pay, suggesting that the majority of respondents preferred Palawan

Pay for monthly transactions.

On an annual basis, 9% used Gcash and 23% used Coins, indicating

that some respondents utilized Coins once a year.

Among the respondents, 6% stated that they never used Gcash, 39%

never used Coins, and 48% never used Palawan Pay. It is notable that 100%

of the respondents reported never using ML Wallet and Paymaya, indicating

that none of them utilized these e-wallet platforms.

According to a 2021 survey, GCash, operated by Globe Telecom, is the

most popular e-wallet in the Philippines with millions of users. GCash supports

digital payments through Digital Financial Services (DFS) and collaborates

 28

with banks and money transfer centers to facilitate digital money transfers

between friends and family.

PalawanPay has achieved a significant milestone by reaching two

million users in just four months. This accomplishment has placed

PalawanPay among the top 5 finance apps on both the Google Play Store and

App Store for over 90 days. PalawanPay is developed by Palawan Pawnshop,

a highly trusted pawnshop and remittance company in the Philippines

(Georgina, 2002).

Coins.ph, launched in the Philippines in 2014, is the first virtual

currency and cryptocurrency provider in the country regulated and licensed by

the Bangko Sentral ng Pilipinas (BSP). Through its smartphone app, Coins.ph

offers various banking services such as international money transfers, bill

payments, sim load purchases, bank transfers, game credits, bitcoin

investments, and more (Admin, 2023).

PayMaya is an e-wallet available in the Philippines and was the first

online payment platform introduced in the country. According to PDee (2020),

PayMaya has some limitations in terms of its offered services and app

features. Upgrading a PayMaya account may also take time compared to the

user-friendly and feature-rich experience provided by GCash.

ML Wallet, on the other hand, is the official mobile application of M

Lhuillier. It serves as an online bridge for Filipinos who lack access to

traditional banks and financial institutions. With ML Wallet, users can only
 29

perform cash-in and cash-out transactions at M Lhuillier branches (Lhuillier,

2022).

Table 4. Usage of E-wallet in Terms of Frequency among the

Respondents
E-wallet Platforms Frequency Percentage
n=120 (%)
Gcash
every day 26 22.00
every week 58 48.00
every month 18 15.00
once a year 11 9.00
never used 7 6.00
Coins
every day 13 11.00
every week 12 10.00
every month 20 17.00
once a year 28 23.00
never used 47 39.00
Palawan pay
every day 5 4.00
every week 22 18.00
every month 36 30.00
never used 57 48.00
ML Wallet
never used 120 100.00
Paymaya
never used 120 100.00
 30

SUMMARY, CONCLUSIONS AND RECOMMENDATIONS

The present chapter provides a summary, conclusion, and

recommendations based on the data collected in the study titled "Usage of E-

wallet among Students in Selected Colleges in the University of Southern

Mindanao."

The study aimed to investigate the socio-demographic profile of the

selected students, including their sex, age, tribe, marital status, colleges, year

level, total amount per transactions, and preferred e-wallet. Additionally, the

study aimed to determine the level of awareness among the respondents

regarding the nature and general usage of e-wallets. The research was

conducted at the University of Southern Mindanao, Kabacan, Cotabato during

the first semester of the 2022-2023 school year.

In the following sections, the chapter will provide a summary of the

findings, draw conclusions based on the results, and present

recommendations based on the implications of the study.

Electronic wallets are a technological advancement in the financial

system, providing a digital form of wallet accessible through mobile

applications. In this study, a descriptive research method was employed to

examine the usage of e-wallets among students in different colleges, including

CASS, CBDEM, CED, CEIT, CHEFS, and IMEAS. The study included a total
 31

of 120 respondents who were e-wallet users. Quota and snowball sampling

methods were utilized to gather the necessary data.

The research employed descriptive measures such as frequency count,

percentage computation, and weighted mean for data analysis. The findings

revealed that the majority of respondents were female, Maguindanaon, single,

and in their third year of college, with ages ranging from 21 to 25 years old.

Most respondents had transactions within the range of 1001-1500, and the

preferred e-wallet was Gcash. Gcash was used by the majority of respondents

on a daily and weekly basis, while Palawan Pay was used monthly. None of

the respondents used ML Wallet and Paymaya. The study also found that

respondents had a high level of awareness regarding the nature and general

usage of e-wallets, particularly in terms of basic necessities, entertainment, bill

payments, and money transfers.

The researcher concluded that electronic wallets are highly beneficial in

today's society, offering faster and more convenient transactions. Students

have widely adopted e-wallets due to their ease of use and enhanced

convenience. The utilization of e-wallets as a payment system has

transformed people's perspectives and demonstrated its effectiveness and

efficiency across various domains. With internet connectivity, individuals can

now conduct financial transactions anytime and anywhere. However, it is

important to recognize that e-wallets, like any other technology, have both

advantages and disadvantages. While they provide security, no one is entirely

 32

immune to online fraud. Students displayed a strong awareness of the

features and services offered by e-wallet applications, using them primarily for

basic necessities, entertainment, bill payments, and money transfers.

The researcher provides several recommendations based on the study

findings.

Firstly, for E-wallet users, it is crucial to prioritize the security of their

accounts to avoid any potential problems. Users should exercise caution when

sharing personal information online and minimize the amount of funds kept in

their e-wallets to mitigate risks.

Secondly, students should be more careful when encountering offers

and cashback promotions from different e-wallets. They should be aware of

potential phishing attempts and remain skeptical of emails, messages, or links

that request their personal information. Creating strong and unique passwords

is also advised to enhance account security.

Thirdly, owners of different establishments that operate E-wallet

platforms should consider reducing transaction charges. Additionally,

providing more comprehensive information about e-wallet services and usage

is essential to enhance user understanding. Developing strategies to

encourage non-users to adopt e-wallets and creating awareness through

social media or other channels can also help educate individuals about the

advantages and disadvantages of e-wallets.

 33

Moreover, policy makers should take steps to implement strict

monitoring measures to address scams and fraud in the e-wallet ecosystem.

By doing so, they can prevent customer complaints and ensure the overall

security of E-wallet users.

Finally, future researchers are encouraged to gather more information

and further improve upon the current research study. Exploring additional

factors that were not covered in this thesis, studying the reasons behind the

reluctance of some individuals to use e-wallets, and focusing on the security,

advantages, and disadvantages of e-wallets are areas that warrant further

investigation.

These recommendations aim to enhance the overall usage and security

of e-wallets, providing guidance for users, students, platform owners, policy

makers, and future researchers in the field.

.
 34

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 39

APPENDICES
40
 41

Appendix A. Application of Research Adviser

UNIVERSITY OF SOUTHERN MINDANAO
Kabacan, Cotabato
Philippines
APPLICATION FOR RESEARCH ADVISER
September 12 2022

REMEDIOS C. KULIDTOD, MAEd

Chairperson, Department of International Relations
Institute of Middle East and Asian Studies
USM, Kabacan, Cotabato

Madam:

I would like to request that you will be my Research adviser effective 2 nd semester,
SY 2022-2023. I intend to work on Usage of E-wallet among Students in selected colleges in
the University of Southern Mindanao.

I am hoping for your most favorable approval on this request. Thank you very much.

Very truly yours,

SARAH MAE B. MAMA

Printed Name and Signature of Student

APPROVED

REMEDIOS C. KULIDTOD, MAEd

Adviser
____________________
Date

USM-EDR-F01-Rev.4.2022.10.18
 42

Appendix B. Application for Research Title

UNIVERSITY OF SOUTHERN MINDANAO
Kabacan, Cotabato
Philippines
APPLICATION FOR RESEARCH TITLE
September 12 2022
REMEDIOS C. KULIDTOD, MAEd
Chairperson, Department of International Relations
Institute of Middle East and Asian Studies
USM, Kabacan, Cotabato

Madam:

I would like to request your office to allow me to research on the study entitled
“Usage of E-Wallet among Students in Selected Colleges in the University of Southern
Mindanao.”
The study has the following objectives:
1. Describe the socio-demographic profile of the respondents
2. Determine the level of awareness in the general usage of E-wallet
among students in selected colleges in the University of Southern
Mindanao.

Very truly yours,

SARAH MAE B. MAMA

Printed Name and Signature of Student

NOTED

REMEDIOS C. KULIDTIOD, MAEd ________________

Adviser Date

SAIMA M. ANDIL, MAPD ________________

Department Research Coordinator Date

SAIMA M. ANDIL, MAPD ________________

College Research Coordinator Date

APPROVED

REMEDIOS C. KULIDTOD, MAEd ________________

USM-EDR-F02-Rev.4.2021.11.04
Department Chairperson Date
 43

Appendix C. Cover Letter

March 2, 2023

ABDULNASSER G. MAKALUGI, EdD

IMEAS, Dean
University of Southern Mindanao

Sir;

Greetings of Peace!

The undersigned is currently conducting research study entitled “USAGE OF

E-WALLET AMONG STUDENTS IN SELECTED COLLEGES IN THE
UNIVERSITY OF SOUTHERN MINDANAO” This is in partial fulfillment of the
requirement in our course Undergraduate Thesis B, from the Institute of
Middle East and Asian Studies in University of Southern Mindanao, Kabacan,
Cotabato.

Relative thereto, the undersigned is respectfully requesting in your good office

the permission to gather data by distributing survey questionnaires in the
selected students from your vicinity. Rest assured that the data gathered shall
be used for the purpose of research and will be treated confidentially.

Your positive response regarding my request will greatly help for the success
of the study.

Thank you and more power.

Respectfully yours,

SARAH MAE B. MAMA

Researcher

Noted by

REMEDIOS C. KULIDTOD, MAEd

Thesis Adviser
 44

Appendix D. Letter of Permission

March 2, 2023

KAUTIN S. KULANO, EdD

CED, Dean
University of Southern Mindanao

Sir;

Greetings of Peace!

The undersigned is currently conducting research study entitled “USAGE OF

E-WALLET AMONG STUDENTS IN SELECTED COLLEGES IN THE
UNIVERSITY OF SOUTHERN MINDANAO” This is in partial fulfillment of the
requirement in our course Undergraduate Thesis B, from the Institute of
Middle East and Asian Studies in University of Southern Mindanao, Kabacan,
Cotabato.

Relative thereto, the undersigned is respectfully requesting in your good office

the permission to gather data by distributing survey questionnaires in the
selected students from your vicinity. Rest assured that the data gathered shall
be used for the purpose of research and will be treated confidentially.

Your positive response regarding my request will greatly help for the success
of the study.

Thank you and more power.

Respectfully yours,

SARAH MAE B. MAMA

Researcher

Noted by

REMEDIOS C. KULIDTOD, MAEd

Thesis Adviser
 45

Appendix E. Actual Budget of the Research

UNIVERSITY OF SOUTHERN MINDANAO

Kabacan, Cotabato
Philippines
ACTUAL BUDGET OF THE RESEARCH
Title of Study:
Usage of E-wallet among Students in Selected Colleges in the University of
Southern Mindanao.

ITEMS/DESCRIPTION COST
A. SUPPLIES
Bond Paper ₱ 380.00
Folder and Clip ₱ 50.00
Other and Expenses ₱ 1000.00
B. TRAVELLING ALLOWANCE
Fare ₱ 200.00
Snacks and meals ₱ 200.00
Grand Total ₱ 1,830.00

Prepared and submitted by:

SARAH MAE B. MAMA

Printed Name and Signature of the Student

NOTED

REMEDIOS C. KULIDTOD, MAEd ___________________________

Adviser Date

SAIMA M. ANDIL, MAPD ___________________________

Department Research Coordinator Date

REMEDIOS C. KULIDTOD, MAEd ___________________________

Department Chairperson Date

USM- EDR-F18-Rev.0.2022.10.18
 46

Appendix H. Schedule of Research Activities

 47

Appendix G. Gantt Chart

Activities Sept. Oct. Nov. Dec. Jan. Feb. Mar. April May June
1. Preparation of
Outline
2. Pre-checking of
Outline
3. Final checking of c
Outline
4. Outline Defense
5. Typing and Binding
of Outline
6. Submission of
Outline
7. Conduct of the Study
8. Preparation of
Manuscript
9. Pre- checking of
Manuscript
10. Final checking of
Manuscript
11. Manuscript Defense
12. Typing and Binding
of Manuscript
13. Submission of
Manuscript
 48

Appendix H. Documentation

CEIT Students during survey

CED Students

CBDEM Students
 49

Appendix H. Application for Thesis Manuscript Defense

UNIVERSITY OF SOUTHERN MINDANAO

Kabacan, Cotabato
Philippines
APPLICATION FOR THESIS MANUSCRIPT DEFENSE
Name Sarah Mae B. Mama
Degree/Major Bachelor of Science in International Relations
Thesis Title Usage of E-wallet Among Students in Selected Colleges in the University of
Southern Mindanao
Date of Examination May 14 2023
Time 8:30 am
Place Institute of Middle East and Asian Studies

MEMBERS OF THE EXAMINING COMMITTEE

Name Signature Date

ABDULNASSER G. MAKALUGI, EdD __________________ __________________

DIALICA L. CAUP, PhD __________________ __________________
MONIBAR M. SUDANG __________________ __________________
RECOMMENDING APPROVAL:
REMEDIOS C. KULIDTOD, MAEd _______________________________
Adviser Co-Adviser (Optional)
APPROVED:
_______________________________ SAIMA M. ANDIL, MAPD
College Statistician Department Research Coordinator
(Optional)
REMEDIOS C KULIDTOD, MAEd
Department Chairperson

REPORT ON THE RESULT OF EXAMINATION

Name Signature Remarks
ABDULNASSER G. MAKALUGI, EdD __________________ __________________
DIALICA L. CAUP, PhD __________________ __________________
MONIBAR M. SUDANG __________________ __________________

APPROVED:

SAIMA M. ANDIL, MAPD

Department Research Coordinator

_____________________
Date
USM-EDR-F08-Rev.3.2020.02.24
 45
Appendix I. Manuscript Processing Form
UNIVERSITY OF SOUTHERN MINDANAO
Kabacan, Cotabato
Philippines

MANUSCRIPT PROCESSING FORM

Name Sarah Mae B. Mama
Degree/Major Bachelor of Science in International Relations
Thesis Title Usage of E-Wallet among Students in Selected Colleges in the University of
Southern Mindanao

I.CORRECTED FINAL DRAFT

A. Adviser _____________

B. English Critic _____________

C. Statistician _____________

D. Department Research Coordinator _____________

E. Department Chairperson _____________

F. College Research Coordinator _____________

II.PRE-APPROVAL FOR MANUSCRIPT REPRODUCTION AND BINDING

A. Adviser _____________

B. English Critic _____________

C. Statistician _____________

D. Department Research Coordinator _____________

E. Department Chairperson _____________

F. College Research Coordinator _____________

III.APPROVAL FOR MANUSCRIPT REPRODUCTION AND BINDING

A. College Research Coordinator _____________

 46

UNIVERSITY OF SOUTHERN MINDANAO

Kabacan, Cotabato
Philippines

CURRICULUM VITAE

SARAH MAE B. MAMA

Kitulaan Carmen North Cotabato
09658258196
sarahmaemama9@gmail.com
PERSONAL INFORMATION

Last Name Mama

First Name Sarah Mae

Middle Name Bulod

Nick Name Sar

Nationality Filipino

Religion Islam

Civil Status Married

Father’s Name Ebrahim D. Mama

Mother’s Name Anisa B. Mama

Educational Background

Elementary Kabacan Pilot Central Elementary School

Junior High School Carmen National High School

Tertiary University of Southern Mindanao