STUDENTS’ ATTRIBUTES AND KNOWLEDGE ON ONLINE SHOPPING

PLATFORMS

By

Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda

An undergraduate thesis to be submitted in partial fulfillment of the requirements

for the degree

Bachelor of Science in Business Administration

Major in Microfinance

Bicol University College of Business, Economics and Management

2024

Adviser:

Prof. Gemma A. Sarte

Panel of Evaluators:

Dr. Eddie S. See

Prof. Mary Ann B. Tonga

Dr. Julieta V. Mojados

 Clet, Fernandez, Lorica, Ludovice, & Miranda

ABSTRACT

The study examined the characteristics of students using online shopping platforms,

focusing on various factors that influence their behavior and interaction with these platforms. Key

aspects analyzed included purchasing patterns, preferences, literacy levels, and demographic data

such as sex, year level, and cash allowance. The research also explored socioeconomic and

psychological factors affecting decision-making, including peer pressure, brand loyalty, and price

sensitivity. The study identified significant gaps in students’ knowledge and understanding of

online shopping, highlighting their limited familiarity with platform features and navigation. The

findings underscored the importance of understanding these characteristics for online merchants

aiming to engage with students, particularly those in the BSBA Microfinance program at Bicol

University College of Business, Economics, and Management.

The survey results revealed a very low level of literacy and knowledge regarding online

shopping platforms among the students. The findings also implies that financial resources, such

as higher allowances, do not necessarily correlate with improved knowledge. These findings

imply the importance of demonstrating a critical need to enhance students' understanding of e-

commerce to improve their overall competency and interaction with online shopping platforms.

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TABLE OF CONTENTS

PRELIMINARIES PAGE

Title Page i

Abstract ii

Table of Contents iii

List of Figures v

List of Plates vi

List of Tables vii

Results of Thesis Proposal Defense ix

Results of Thesis Proposal Defense x

Results of Thesis Proposal Defense xi

Summarized Results of Defense xii

Certification of Compliance to the Suggestions of the Panel xiii

Certification of Non-commission of Plagiarism xiv

Approval Sheet xv

CHAPTER 1. INTRODUCTION

Rationale 1

Statement of the Problem 2

Background 2

Related Non-research Works 3

Related Study 5

Synthesis 6

Gap to Be Bridged by the Study 7

Theoretical Framework 8

Conceptual Framework 9

Definition of Terms 10

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CHAPTER 2. METHODOLOGY

Research Design 11

Research Strategy 11

Population Identity and Size 11

Sample Size Calculation and Random Selection 11

Instrumentation 12

Data Collection Procedure 12

Data Analysis Tools 13

CHAPTER 3. PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA

Students’ attributes 14

Student’s knowledge on online shopping platforms 16

Relationship between students’ attributes and knowledge 17

on online shopping platforms.

CHAPTER 4. CONCLUSION AND RECOMMENDATIONS

Summary of Findings 18

Conclusion 18

Recommendation 19

WORK CITED 22

APPENDICES 24

A. Sample Test and Questionnaire 30

B. Sample Test and Questionnaire answer 27

C. Letter request to conduct the study 28

D. Work and Financial Plan 30

E. Frequency and Percentage Distribution of Sex 31

F. Frequency and Percentage Distribution of Year Level 31

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G. Descriptive Statistic of Cash Allowance 32

H. Descriptive Statistic of Knowledge 32

I. Correlation and Statistical analysis 33

J. Curriculum Vitae 34

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LIST OF FIGURES

NUMBER PAGE

1 Theoretical Paradigm 8

2 Conceptual Paradigm 9

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LIST OF PLATES

NUMBER PAGE

1 Sample Size Calculation and Random Selection 12

2 Frequency and Percentage Distribution of Sex 31

3 Frequency and Percentage Distribution of Year Level 31

4 Descriptive Statistic of Cash Allowance 32

5 Descriptive Statistic of Knowledge 32

6 Correlation and Statistical analysis 33

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LIST OF TABLES

NUMBER PAGE

1a Sex 14

1b Year level 14

1c Cash allowance 15

2 Knowledge score 16

3 Relationship between students’ attributes and knowledge 17

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Results of Thesis Proposal Defense

Title of Thesis: Students Attributes and Knowledge on Online Shopping Platforms

Name of Researcher/s: Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Chinee B. Clet
Ernie E. Miranda
Name of Adviser : Prof. Gemma A. Sarte
Date of defense : November 28, 2024
Time of defense : 12:00 NN – 12:30 PM
Venue of defense : BU CBEM

Criterion Maximum possible score Score given

Defense 40 _____
(To include researcher’s bearing, clear and
authoritative presentation of the summary of the
study, and clear, correct and authoritative answers to
the questions raised by the panel of evaluators)

Substance
(To include clear and substantive presentation of the 40 _____
Preliminaries, Introduction, Methodology,
Works Cited, Appendices and Others

Format and style 20 _____

(To include following the 4-chapter (APA) format, the
author-year parenthetical citation and works cited/
reference listing, use of header in pagination, and
appropriate editing)

Total 100 _____

PROF. MARY ANN B. TONGA`

Panelist

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Results of Thesis Proposal Defense

Title of Thesis: Students Attributes and Knowledge on Online Shopping Platforms

Name of Researcher/s: Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda
Name of Adviser : Prof. Gemma A. Sarte
Date of defense : November 28, 2024
Time of defense : 12:00 NN – 12:00 PM
Venue of defense : BU CBEM

Criterion Maximum possible score Score given

Defense 40 _____
(To include researcher’s bearing, clear and
authoritative presentation of the summary of the
study, and clear, correct and authoritative answers to
the questions raised by the panel of evaluators)

Substance
(To include clear and substantive presentation of 40 _____
the Preliminaries, Introduction, Methodology,
Works Cited, Appendices and Others

Format and style 20 _____

(To include following the 4-chapter (APA) format, the
author-year parenthetical citation and works cited/
reference listing, use of header in pagination, and
appropriate editing)

Total 100 _____

DR. JULIETA V. MOJADOS

Panelist

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Results of Thesis Proposal Defense

Title of Thesis: Student Attributes and Knowledge on Online Shopping Platforms

Name of Researcher/s: Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda
Name of Adviser : Prof. Gemma A. Sarte
Date of defense : November 28, 2024
Time of defense : 12:00 NN – 12:30 PM
Venue of defense : BU CBEM

Criterion Maximum possible score Score given

Defense 40 _____
(To include researcher’s bearing, clear and
authoritative presentation of the summary of the
study, and clear, correct and authoritative answers to
the questions raised by the panel of evaluators)

Substance
(To include clear and substantive presentation of the 40 _____
Preliminaries, Introduction, Methodology,
Works Cited, Appendices and Others

Format and style 20 _____

(To include following the 4-chapter (APA) format, the
author-year parenthetical citation and works cited/
reference listing, use of header in pagination, and
appropriate editing)

Total 100 _____

DR. EDDIE S. SEE`

Chairperson

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Summarized Results of Thesis Proposal Defense

Title of Thesis: Students Attributes and Knowledge on Online Shopping Platforms

Name of Researcher/s: Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda
Name of Adviser : Prof. Gemma A. Sarte
Date of defense : November 28, 2024
Time of defense : 12:00 NN – 12:30 PM
Venue of defense : BU CBEM

AVERAGE SCORE

Name of Panelist Score Given

Dr. Eddie S. See ___________

Prof. Mary Ann B. Tonga ___________

Dr. Julieta V. Mojados ___________

Total ___________

Average ___________

DR. EDDIE S. SEE

Chairperson

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DEPARTMENT OF BUSINESS ADMINISTRATION

Bicol University
Daraga, Albay

CERTIFICATION OF COMPLIANCE TO THE

SUGGESTIONS OF THE PANEL

This is to certify that the following suggestions/recommendations forwarded by the panel

of evaluators have been complied with as indicated in the corresponding page/s of the
researchers’/researcher’s manuscript.

Title of Study: Students Attributes and Knowledge on Online Shopping Platforms

Name of Researchers: Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Chinee B. Clet
Ernie E. Miranda
Suggestion/ recommendation Panelist who made the Page number in the
suggestion/ recommendation manuscript where compliance
has been made
Enhanced Title Prof. Mary Ann B. Tonga I

Statement of the problem Prof. Mary Ann B. Tonga 2

(no. 1, a. )
Gap to be Bridge by the study Prof. Mary Ann B. Tonga 7
( Use here #3 STP)
Compare and Contrast RNRW Dr. Eddie S. See 3-5
and RS Prof. Mary Ann B. Tonga
Dr. Julieta V. Mojados
Theoretical Paradigm Dr. Eddie S. See 8
Prof. Mary Ann B. Tonga
Dr. Julieta V. Mojados
Definition of terms Dr. Eddie S. See 10
Prof. Mary Ann B. Tonga
Dr. Julieta V. Mojados

PROF. GEMMA A. SARTE

Adviser

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DEPARTMENT OF BUSINESS ADMINISTRATION

Bicol University
Daraga, Albay

CERTIFICATION OF NON-COMMISSION OF PLAGIARISM

This is to certify that the contents of this paper, in whole or in part are not works that
have been plagiarized from other or previous papers.

CHINNEE B. CLET
Researcher

MARK ADRIAN A. FERNANDEZ

Researcher

ERROL JOHN L. LORICA

Researcher

CHARLES REXANE S. LUDOVICE

Researcher

ERNIE E. MIRANDA
Researcher

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Republic of the Philippines

Bicol University
College of Business, Economics and Management
DEPARTMENT OF BUSINESS ADMINISTRATION
Program

APPROVAL SHEET

Upon successfully passing the Thesis Defense as rated by the Panel of

Evaluators, this study entitled Students’ Attributes and Knowledge on Online Shopping
Platforms, prepared and submitted by Chinnee B. Clet, Mark Adrian A. Fernandez, Errol John
L. Lorica, Charles Rexane S. Ludovice and Ernie E. Miranda is hereby approved in partial
fulfillment of the requirements for the degree Bachelor of Science in Business Administration
Major in BSBA Microfinance.

PROF. GEMMA A. SARTE

Adviser

DR. EDDIE S. SEE

Thesis Professor

DR. JANET G. POJA

Department Chairperson

DIMSON R. RIVERO
College Dean

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CHAPTER 1. INTRODUCTION

Rationale

Online shopping plays a great contribution to modern business it has opened a lot of

opportunity from small to large business firm because of how easy and accessible online shopping

have become specially for the younger generation as they are one of the largest consumers of

online shopping platforms. This study aims to explore the relationship between students’ attributes

such as age, gender, income, and technological proficiency and their knowledge and usage of

online shopping platforms. Understanding student’s attributes and knowledge of these platforms is

important for several reasons. First, students are active consumers who increasingly much

preferred using online shopping for convenience, accessibility, and variety. Second, determining

how attributes such as internet literacy, there socioeconomic status, and educational background

affect their engagement with online shopping platforms can provide valuable insights into user

experience and platform design. This study will explore how students’ knowledge of online

shopping security, payment options, and navigation influences their satisfaction and trust in online

shopping.

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Statement of the Problem

The study aims to determine the online shopping attributes and knowledge of

Microfinance students of College of Business, Economics, and Management. Specifically aims to

answer the following questions:

1. What are the students’ attributes in terms of:

a. Sex

b. Year level

c. Cash Allowance

2. What is the student’s knowledge on online shopping platforms?

3. Is there any significant relationship between students’ attributes and knowledge on online

shopping platforms?

Background

The growing influence of e commerce has transformed the way student shops for the past

years, with various factors playing a significant role in shaping their shopping behavior. Several

studies have explored the connection between student’s attributes, such as age, gender, and the

level of technological literacy and their online purchasing decision.

The growing influence of e-commerce has dramatically transformed how students shop in

recent years. As online shopping platforms such as Shopee, Lazada, Amazon, and Shein rise in

popularity, students particularly those who are digital natives have become a key demographic.

These platforms offer convenience, a variety of products, and price advantages, attracting students

who prefer the ease of making purchases without visiting physical stores. Factors such as

technological proficiency, income, and risk awareness affect students’ shopping behavior, leading

to varying degrees of trust and satisfaction with online platforms.

Several studies have examined how student attributes like age, gender, and internet

literacy influence their shopping decisions. However, limited research has focused specifically on

students in specific fields, such as Microfinance, and how their academic background shapes their

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knowledge and use of online shopping platforms. Understanding these factors is essential in

designing better user experiences and improving e-commerce platforms’ security features to cater

to the preferences and needs of this important consumer group.

Related Non-Research Works

This research focuses on understanding students’ attributes and knowledge regarding

online shopping platforms. Specifically, it investigates how student characteristics, such as age,

gender, and technological proficiency, influence their engagement with e-commerce platforms.

With the rapid growth of online shopping, platforms offer convenience, product variety, and price

comparison, making them highly appealing to younger consumers, particularly students.

Kumar (2015) highlights how online shopping has become an integral part of the business

environment, influencing consumer attitudes through convenience, product variety, and

information accessibility. Despite these benefits, concerns such as product testing limitations and

data privacy risks impact consumer confidence. This study emphasizes the importance of

understanding how different consumer attributes, such as income and digital literacy, shape

attitudes toward e-commerce.

Building on Kumar’s insights, trust plays a critical role in students’ confidence in online

platforms, especially concerning payment options and product quality (Khan, Rasli, & Yusoff,

2015). Trust in secure payment gateways and reliable technological tools significantly impacts the

buyer-seller relationship. As a result, students are more likely to engage with e-commerce when

trust is established.

Goyal (2015) provides valuable insights into how the growing internet usage among

students drives the expansion of e-commerce in developing countries like India. Students, with

increasing digital literacy, are drawn to the convenience of purchasing products at any time,

accessing diverse product ranges, and comparing prices with ease. This shift is further supported

by technological advancements and the availability of mobile devices.

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Sivanesan (2017) points out that internet access among professionals in India has

mainstreamed, and the use of mobile phones continues to grow, shaping consumer behavior. As

online shopping becomes more prevalent, marketers must align their strategies with where

consumers spend their time. Similarly, Kumar and Srikanth (2017) emphasize that online retailers

in India prefer a warehouse-based model, which provides advantages like better product offerings

and delivery efficiency.

Muthumani, Lavanya, and Mahalakshmi (2017) explore the common challenges

consumers face with online shopping, such as quality concerns and security issues. Their research,

based on primary data, suggests that convenience sampling is crucial for understanding customer

behavior. Chilka and Chauhan (2018) further argue that while online shopping in India continues

to grow, problems like fraud and delayed delivery persist.

While these non-research works offer foundational knowledge of e-commerce dynamics,

they fail to address how Microfinance students, specifically, navigate these platforms. This study

aims to bridge that gap by exploring how the attributes of Microfinance students influence their

trust and engagement with e-commerce platforms.

The non-research works provide broad insights into consumer attitudes toward e-

commerce, focusing primarily on descriptive aspects like convenience, product variety, and trust in

online platforms. In contrast, the related studies provide empirical evidence, analyzing quantifiable

factors such as shipping costs, consumer trust, and transaction risks. Both types of works, however,

lack a focus on the specific demographic of Microfinance students. The recent study addresses this

gap by narrowing the focus to Microfinance students, emphasizing how their financial literacy and

academic background influence their engagement with online shopping platforms. Unlike the

generalized consumer trends discussed in non-research works, the recent study investigates

whether Microfinance students apply their financial knowledge to make informed decisions or

exhibit risk-averse behavior in e-commerce.

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Related Studies

Online shopping is now a significant part of daily life, and many consumers, including

students, rely on these platforms for convenience and variety. Students’ familiarity with these

platforms impacts how they shop, which could influence future online shopping trends. Their

knowledge and trust in e-commerce platforms are essential for understanding their buying

behavior.

According to Jungle Scout (2021), the shift toward online retail is driven by factors like

free shipping, lower prices, and the convenience of shopping from home. With the COVID-19

pandemic, online shopping gained even more traction as people sought to avoid physical stores.

Fast shipping and access to product reviews also boost consumer engagement with online

platforms.

Forbes Advisor (2023) highlights how the Indian e-commerce market is expected to reach

USD 16-20 billion by 2025. Online shopping provides unmatched convenience and variety, with

the ability to purchase everything from groceries to electronics. However, challenges such as fraud,

shipping delays, and product inspection limitations remain concerns.

Emerald Insight (2021) identifies six barriers to online shopping: fear of transactions,

convenience of traditional shopping, service quality concerns, insecurity, lack of product

information, and trust issues. These factors create challenges for e-retailers and suggest the need

for strategies to enhance consumer trust. Balance (2024) adds that while online shopping offers

convenience, it also presents drawbacks, such as shipping costs and longer delivery times.

PMC (2022) examines post-COVID-19 online shopping behavior, noting that consumers

in countries like Canada and Germany are likely to continue using these platforms. Hedonic

motivations and a positive online experience are key drivers for maintaining these habits. This

research extends the ES-QUAL model, showing that pandemic-formed online shopping habits may

persist long-term.

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The related studies provide empirical data and analyses, often testing specific hypotheses

about how demographic factors or external events (such as the COVID-19 pandemic) affect online

shopping behavior. While non-research works focus on describing trends and consumer

preferences in e-commerce, the studies quantify and analyze these preferences, revealing how key

factors like trust, convenience, and shipping impact actual shopping behavior. The recent study

adds to the existing literature by focusing on Microfinance students, a unique demographic not

typically addressed in previous works. This study explores how these students’ academic

background and financial literacy affect their trust in e-commerce platforms, as well as their

decision-making processes. Unlike general studies that analyze broader student populations, the

recent study investigates whether Microfinance students exhibit more cautious behavior when

engaging with online shopping due to their financial knowledge, offering a targeted perspective on

this group’s behavior in e-commerce.

Synthesis

The review of literature highlights how various factors such as age, gender, income level,

and technological proficiency affect students’ engagement with online shopping platforms. The

studies emphasize that while younger consumers, including students, increasingly prefer online

shopping for its convenience, concerns over security, trust, and product quality still influence their

behaviors. Several researchers have identified barriers such as insufficient product information,

mistrust of payment methods, and fear of fraud as key concerns that limit more frequent online

shopping.

Despite the available research on consumer behavior and the impact of technology on

online shopping trends, there is still a gap in understanding the specific relationship between

students’ academic backgrounds and their online shopping habits. Additionally, while many

studies have focused on general consumer behavior, fewer have addressed how Microfinance

students, in particular, approach online shopping whether they apply their financial knowledge

when navigating these platforms or are more cautious about risks. This study aims to bridge this

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gap by focusing on Microfinance students at the College of Business, Economics, and

Management. By analyzing the relationship between students’ attributes, their knowledge of online

shopping, and the platforms they use, this research will provide valuable insights into the specific

online shopping behaviors of this group. The findings will contribute to the growing body of

knowledge on e-commerce trends among students and offer recommendations for improving user

experience, trust, and satisfaction on online shopping platforms.

Gap to Be Bridged by the Study

Is there a significant relationship between students’ attributes and knowledge of online

shopping platforms? While the studies gathered by the researchers, both international and local,

provide valuable insights into online shopping behaviors, they do not sufficiently explore the

relationship between students’ attributes and their knowledge of online shopping platforms.

Specifically, existing research does not adequately examine whether there is a significant

relationship between the attributes of Microfinance students such as sex, year level, and cash

allowance and their knowledge of online shopping platforms. This study seeks to bridge this gap

by analyzing how these attributes influence the engagement of Microfinance students at the

College of Business, Economics, and Management with online shopping platforms. The results

will offer valuable insights into improving e-commerce platforms to better cater to the needs of

Microfinance students, thereby enhancing user experience, trust, and satisfaction. To address this

gap, the researchers will utilize a survey as an instrument to assess the relationship between the

students’ attributes and their knowledge of online shopping platforms.

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Theoretical Framework

The Theory of Planned Behavior (TPB) provides the most effective foundation for this

research. This theory explains how individuals’ attitudes, subjective norms, and perceived

behavioral control influence their intentions and behaviors, such as making online purchases

(Ajzen, 1991). These elements (such as sex, year level, and cash allowance) may affect students’

perceptions of control over financial activities and their attitudes toward microfinance. They may

also influence their behavior on online shopping platforms.

 individuals' attitudes
Intentions and Behaviors  subjective norms
 perceived behavioral
control

Figure 1. Theoretical Paradigm

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Conceptual Framework

To gain insights into the attributes of students their knowledge of online shopping

platforms, this study will conduct a data gathering procedure to ensure that students’ perspective

are carefully analyzed. This approach aims to provide a comprehensive understanding of each

students’ familiarity with and experience on online shopping platforms, which will contribute

valuable insights to the research. The independent variable in this study is students’ attributes,

while the dependent variable is students’ knowledge of online shopping platforms. In line with the

study’s statement of the problem, the researcher seeks to assess students’ familiarity with online

shopping platforms and explore how knowledgeable they are in using these platforms, which will

support the objective of the research.

Independent Dependent

Student Attributes
a. Sex Knowledge of Students about
b. Year Level online shopping platforms
c. Cash Allowance

Figure 2. Conceptual Paradigm

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Definition of Terms

To understand the concepts and variables, the following words are defined both

conceptually and practically in this study:

Attributes refers to quality, character, or characteristic ascribed to someone or

something (Merriam-Webster, 2024). In this study, attributes refer to students’ characteristics in

terms of age, year level, and allowance.

Online shopping refers to the use of the internet to browse and purchase goods and

services, with platforms such as Shopee, Lazada, and Amazon being commonly used (Nordqvist,

2024). In this study, the researchers will use several online shopping platforms in the survey to

determine which is the most preferred to use.

Student is defined as a person who is studying at a school or college (Dictionary.com,

2021). In this study, students are the target population, specifically the BSBA Microfinance

students at Bicol University College of Business Economics and Management.

Cash Allowance refers to an amount of money regularly paid to an individual. Cash

allowances are typically used to cover specific expenses. Employers often provide employees

with cash allowances to cover incidentals and work-related costs, such as meals and lodging

(Kagan, 2023). In this study cash allowance is the weekly budget of the microfinance students

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CHAPTER 2. METHODOLOGY

Research Design

This study will employ the cross-sectional sample survey design. A type of observational

research that involves collecting and analyzing data from many individuals at a single point in

time. This will help our research to collect information from our respondents quickly and

inexpensively.

Research Strategy

In our research strategy, we will conduct a survey to provide us with clear and organized

data. By using survey questionnaires, it also helps us ensure consistent and reliable information

about our chosen respondents. This will serve as the data we need in our study to understand more

about the attributes and knowledge of students in online shopping platforms.

Population Identity and Size

The study’s populations overall 110 respective respondents to help our research. The

gathering procedure will the first step to enforce and to know how many respondents needed in our

chosen study.

Sample Size Calculation and Random Selection

From the population, the sample size is 110 per Excel Analysis Tool pack, based on this

formula:

___N____
1+Ne2

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Plate 1. Sample Size Calculation and Random Selection

Instrumentation

A survey will be administered to the Microfinance students at the Bicol University College

of Business Economics and Management to gather data relevant to the study. The survey is

designed to address the specific objectives outlined in the statement of the problem. First, it will

collect information regarding the students’ attributes, specifically in terms of sex, year level, and

cash allowance. Second, the survey will assess how knowledgeable the Microfinance students are

about online shopping platforms. Finally, the survey will include questions aimed at determining

whether there is a significant relationship between the students' attributes and their knowledge of

online shopping platforms. The data collected through these survey questions will enable the

researchers to understand the patterns of engagement and preferences of the students in relation to

online shopping platforms, as well as the potential influence of their attributes on their knowledge

and behaviors in this context.

Data Collection Procedure

The process will be conducted smoothly to ensure an effective outcome for the study. The

first step involves writing an approval letter to the dean to seek permission for the research

strategy, which will use survey questionnaires. Upon receiving approval, the team will begin

disseminating Google Form surveys to the respondents, who are students of Microfinance at Bicol

University College of Business Economics and Management. Once completed, the surveys will be

collected to provide the necessary data for the study

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Data Analysis Tools

To analyze the data collected the following statistical analysis tools shall be applied

Frequency Count, Percent, Arithmetic Mean, Pearson r and T-test of r.

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CHAPTER 3. PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA

This chapter presents the statistical analysis of the gathered data which aimed to determine

the relationship between students' attributes, including sex, cash allowance, and year level.

Students Attributes

a. Sex

Frequency count & Percent distribution of the Students’ Attributes in terms of Sex

SEX FREQUENCY PERCENT

Male (1) 19 17.3
Female (0) 91 82.7
Total 110 100.0
Table 2a. Sex

The above table presents that out of 110 BSBA Microfinance students of Bicol University

College of Business Economics and Management, 19 are male which is 17.3% of the total number

of respondents, and 91 of them are female, which is 82.7%. This majority female representation

may influence the observed trends in online shopping platforms usage, potentially reflecting the

shopping preferences and behaviors of female students.

b. Year level

Frequency count & Percent distribution of the students’ attributes in terms of Year Level

YEAR LEVEL FREQUENCY PERCENT

1 30 27.3
2 27 24.5
3 28 25.5
4 25 22.7
Total 110 100.0
Table 2b. Year Level

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The above table shows that out of 110 BSBA Microfinance respondents of Bicol

University College of Business Economics and Management, 30 of them are the 1 st year students

which is 27.3% of the total number of respondents, 27 are the 2 nd year students which is 24.5%, 28

are the 3rd year students which is 25.5%, and 25 of them are 4 th year which stood at 22.7%, for a

total of 100%. This relatively even distribution of respondents by year level provides a well-

rounded basis for understanding online shopping behaviors among students at various stage.

c. Cash allowance

Arithmetic mean value of students in terms of Cash Allowance

CASH ALLOWANCE WEEKLY

(Php)
Lowest value 200.00

Highest value 3,000.00

Arithmetic mean 815.50

Table 2c. Cash Allowance

The above table shows that 110 students are enrolled in the BSBA Microfinance program

at Bicol University, College of Business, Economics, and Management. The data indicates that the

lowest cash allowance received by a student is Php200.00, while the highest reaches as much as

Php3,000. The arithmetic mean of Php815.50 represents the average allowance among these

students. This mean value serves as a key indicator of the typical financial support allocated to

students within this program, highlighting the variability in cash allowances among them. This

range underscores the economic diversity present in the student population and provides insight

into the financial context in which students manage their expenses.

Student’s knowledge on online shopping platforms

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Arithmetic mean value of students’ Knowledge

KNOWLEDGE SCORE

Lowest value 5.0

Highest value 15.0

Arithmetic mean 10.3

Weighted calculation 68.7

Table 3. Knowledge Score

The table above presents the knowledge of students of BSBA Microfinance in Bicol

university college of Business Economics and Management regarding online shopping platforms,

with scores ranging from a minimum of 5 to a maximum of 15, indicating varying levels of

familiarity among students. The arithmetic mean value of 10.3 suggests that, on average, students

have a moderate understanding of online shopping platforms. However, with a total grade of 68.7,

this study is deemed unsuccessful, as it does not meet the required threshold for a passing grade.

This result implies that students’ overall knowledge in this area is inadequate.

Relationship between students’ attributes and knowledge on online shopping platforms.

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Variable Magnitude of T-Statistic T-Critical Qualitative Significance

Correlated Relationship Description

Sex vs -0.1598 -1.6822 1.9822 Very weak Not

Knowledge negative significant
relationship

Year level vs -0.0157 -0.1634 1.9822 Very weak Not

Knowledge negative significant
relationship

Cash -0.0689 -0.7177 1.9822 Very weak Not

Allowance vs negative significant
Knowledge relationship

Table 4. Relationship between Student Attributes and Knowledge

The table above presents the correlation between student attributes and knowledge

acquisition. It summarizes the correlation analysis between student attributes (Sex, Year level,

Cash allowance) and knowledge levels. Although each pair exhibits a very weak negative

relationship, the statistical test show that none of these correlations are significant. The t-statistics

for Sex and knowledge (-1,6822), Year level vs knowledge (-01634), Cash allowance (-07177) are

all smaller than the critical t-value of 1.9822, suggesting that the there is insufficient evidence to

conclude any meaning linear relationship between these variables and students’ knowledge.

CHAPTER 4. CONCLUSION AND RECOMMENDATIONS

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

This chapter defines the conclusion and recommendation of the data gathered in
conducting the study.

Summary of Findings

The study examined the attributes and knowledge of 110 BSBA Microfinance students at

Bicol University College of Business, Economics and Management. The majority of the

respondents 82.7% were female, while 17.3% were male. The distribution across year levels

showed that 27.3% were first-year students, 24.5% were second-year, 25.5% were third year, and

22.7% were fourth-year. Cash allowances weekly ranged from ₱200 to ₱3,000, with an average of

815.45, reflecting financial diversity among the students. Knowledge of online shopping platforms

varied, with scores ranging from 5 to 15 and an average of 10.3, indicating moderate

understanding. However, a weighted score of 68.67 suggested overall inadequate knowledge in

this area. Correlation analysis revealed very weak negative and statistically insignificant

relationships between students' attributes such as sex, year level, and cash allowance and their

knowledge of online shopping platforms, indicating that these factors had minimal influence.

Conclusion

This study aimed to determine the level of knowledge of BSBA Microfinance students at

Bicol University, College of Business, Economics, and Management. After the analysis and

interpretation of the data gathered, the researchers arrived at the following conclusions:

1. Students’ attributes are the characteristics gathered from the BSBA Microfinance students’ data

gathering

The majority of the respondents are mostly female, which overwhelmed the number of males. This

because the course is not particularly popular among male counterparts.

There is relatively balanced representation across the year levels, indicating a proper dissemination

of the survey questionnaire.

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Weekly cash allowance ranges from the lowest, which is PHP 200, to the highest, which is PHP

3,000. This might indicate that some students do not have the financial capacity.

2. Knowledge capacity of BSBA Microfinance students that reflects to the survey questionnaire.

Students have moderate familiarity with online shopping platforms, with an average score of 10.3.

This suggests that students are aware of these platforms, but their knowledge is below the expected

proficiency.

3. The relationship between the students’ attributes and knowledge, a very weak relationship was

observed between the students’ attributes (sex, year level, and cash allowance) and their

knowledge of online shopping platforms. Sex does not play a meaningful role in influencing

students’ familiarity or understanding of these platforms. Similarly, year level showed no

significant influence, as the balanced representation across academic years underscores the lack of

impact of academic progression on online shopping familiarity. Furthermore, cash allowance,

despite ranging widely from ₱200 to ₱3,000, does not necessarily equal to greater knowledge of

online shopping platforms, it is high allowance but low knowledge.

Recommendation

Upon a through examination of the research findings. The following recommendation

would great help for the students to be knowledgeable which regard in online shopping platforms.

1. For sex, given that the number of female respondents is higher than the number of male

respondents, it is recommended to have respondents where the numbers of male and female

respondents is balanced to properly filter if the male or female respondents has more knowledge

about online shopping.

For year level, based on the distribution of respondents across year levels (Year 1: 27.3%,

Year 2: 24.5%, Year 3: 25.5%, Year 4: 22.7%), it is recommended that future researchers consider

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

organizing online seminars to enhance students' knowledge of online shopping. These seminars

should focus on key topics such as safe online transactions, budgeting, and identifying reliable

online retailers. By equipping students with these skills, researchers can help ensure more

informed purchasing decisions, promote better financial management, and improve the accuracy of

future research outcomes.

For cash allowance, Based on the findings of this study, to the future researchers should

incorporate financial literacy program for respondents when examining cash allowance

distribution. Given the wide range of allowances, equipping respondents with financial

management skills will help them informed decisions on budgeting and spending. This would

ensure more effective use of allowances, improve data accuracy, and promote long-term financial

responsibility, ultimately enhancing the quality and applicability of future research outcomes.

2. The moderate average knowledge level observed in the study suggests a need for

workshops or training sessions that focus on online shopping platforms. These sessions could

cover essential topics, such as online payment safety, evaluating different platforms, and effective

online shopping strategies. Incorporating e-commerce education into the BSBA curriculum would

provide students with a structured, comprehensive understanding of digital marketplaces,

equipping them with practical skills relevant to the modern digital economy.

3. Since no significant relationships were found between students' attributes (sex, year level, and

cash allowance) and their knowledge of online shopping, future studies could consider broadening

the range of attributes examined. Factors such as digital literacy, frequency of internet usage, and

exposure to e-commerce may reveal more influential variables. Additionally, exploring the impact

of social influences, including peer groups, family support, and marketing exposure, may provide

new insights into the factors that drive knowledge of online shopping. Expanded research could

identify indirect factors that better explain students' familiarity with online shopping platforms.

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

WORKS CITED

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision

Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Balance. (2024). Online shopping trends: Growth and challenges. The Balance. Retrieved from
https://www.thebalance.com

Chilka, A., & Chauhan, S. (2018). Online shopping in India: Trends and challenges. Journal of
Internet Commerce, 15(2), 150-167.

Emerald Insight. (2021). Consumer behavior towards online shopping. Emerald Insight. Retrieved
from https://www.emeraldinsight.com

Forbes Advisor. (2023). E-commerce growth in India: Current and future outlook. Forbes Advisor.
Retrieved from https://www.forbes.com

Goyal, A. (2015). E-commerce among students: Drivers and trends. International Journal of Digital
Commerce, 9(3), 45-57.

Jungle Scout. (2021). The rise of online retail in the U.S. Jungle Scout. Retrieved from
https://www.junglescout.com

Khan, F., Rasli, A. M., & Yusoff, R. M. (2015). Trust in e-commerce platforms: A case study of
students. International Journal of Business and Commerce, 6(2), 112-125.

Kumar, R. (2015). Online shopping and consumer behavior: A study. Journal of Consumer
Studies, 12(3), 14-29.

Kumar, R., & Srikanth, J. (2017). SWOT analysis of online retail models in India. Journal of
Retailing and Consumer Services, 23(4), 22-31.

Muthumani, A., Lavanya, V., & Mahalakshmi, R. (2017). Challenges in online shopping: A study
on consumer behavior. Journal of Marketing and Retailing, 10(4), 33-47.

PMC. (2022). Post-COVID-19 online shopping behavior. Post Pandemic Studies, 7(3), 58-69.

Sivanesan, R. (2017). Digital marketing in India: Changing consumer trends. Indian Journal of
Digital Commerce, 11(2), 92-102.

Merriam-Webster. (2024). Attribute. Merriam-Webster.com dictionary. Retrieved from

https://www.merriam-webster.com/dictionary/attribute
Nordqvist, C. (2024, February 1). Online shopping – definition and meaning. Market Business
News. Retrieved from https://www.marketbusinessnews.com/online-shopping-definition-
and-meaning/

Heegaard. (2023, June 20). Payment method definition and meaning. Recharge. Retrieved from
https://www.recharge.com/payment-method-definition

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Dictionary.com. (2021b). Student. Dictionary.com. Retrieved from

https://www.dictionary.com/browse/student

Qi, J. (2023, November 21). Technical proficiency. Acorn PLMS. Retrieved from
https://www.acornlms.com/technical-proficiency

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APPENDICES

Appendix

A. Sample Test and Questionnaire

Students’ Attributes and Knowledge on Online Shopping Platforms

By

Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda

SURVEY QUESTIONNARE

Dear Students,

The purpose of this questionnaire is to collect and acquire information and data for the study
"Students Attributes and Knowledge of Online Shopping Platforms"

The information will assist us in better understanding how does the attributes and knowledge
influence you from using online shopping platforms. We assure you that we will only use the data
collected solely for this study and will not be used in other agenda.

Thank you so much for taking the time to read this and for cooperating with us. We are grateful for
your assistance in pursuing this research proposal.

Researchers:

Chinnee B. Clet
Mark Adrian A. Fernandez
Errol John L. Lorica
Charles Rexane S. Ludovice
Ernie E. Miranda

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Name:_____________(Optional)
Age:_____________

Sex:
o Male

o Female
Year Level:
o 1st Year

o 2nd Year

o 3rd Year

o 4th Year
Cash Allowance Weekly:
o Below - Php 1,000

o Php 1,500 – Php 2,000

o Php 2,500 - Php 3,000

o Php 3,500 – Above

1.When opening any online shopping app what will first pop up.
a. Search Bar
b. Product Feed
c. Live Chat Agent
d. Recommend or Popular Products
2.What are the most important factors you consider when choosing an online shopping platform?
a. Delivery speed
b. Product variety
c. Platform reputation
d. Price competitiveness
3.How do you ensure if the online seller is selling legitimate products before making a purchase?
a. Checking seller ratings
b. Reading customer reviews
c. Ignoring seller information
d. Researching the seller outside the platform
4.What type of products catalog does Nike belong to?
a. Clothing
b. Cosmetics
c. Electronics
d. Health and beauty products
5. Which of these platforms is known for having flash sales and discounts?

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

a) Zoom
b) Tiktok
c) Shopee
d) Wikipedia
6. Which of the following indicates if the shop is a scammer?
a. Price
b. Seller Reputation
c. Low Rating Review
d. Availability of discounts
7.Which of this feature where you see other consumer comment about the product you are buying?
a. Seller Ratings
b. Delivery Tracking
c. Return and Refund Policies
d. Costumer Review and Ratings
8. Which of the following is the biggest disadvantage of online shopping?
a. Security Pins
b. Delivery Delays
c. Complicated Return Processes
d. Inability to physically inspect products
9. What is the most important factor influencing students to shop online?
a. Convenience
b. Price Discount
c. Product variety
d. Customer reviews
10. What is the main reason students choose online shopping over physical stores?
a) Time-saving
b) Lower prices
c) Wider variety of products
d) Convenience (no need to travel)
11. Which payment method is the most common to use.?
a) E-wallet
b) Pay later
c) Cash On Delivery
d) Credit/Debit card Bank transfer
12. What factor most influences your decision to purchase from an online platform?
a) Product price
b) Free Shipping
c) Discounts and offers
d) Customer reviews and ratings
13. Which feature indicates a tracking of your order?
a) Search Bar
b) Order Tracker
c) Fast checkout process
d) Detailed Product Description
14. What is your preferred delivery option for online purchases?
a) In-store Pickup

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

b) Express shipping
c) Same-day delivery
d) Standard Shipping
15. When did online shopping start operating in the Philippines?
a) 2020
b) 2010
c) 2012
d) 2011

B. Sample Test and Questionnaire Answers

ANSWER

1. D
2. B
3. A
4. A
5. A
6. C
7. B
8. D
9. B
10. D
11. C
12. C
13. B
14. D
15. B

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

C. Letter request to conduct the study

Republic of the Philippines

Bicol University
College of Business, Economics, and Management
Daraga, Albay

October 12, 2024

DIMSON M. RIVERO, DBA

Dean, BUCBEM
Daraga Campus
Daraga, Albay

Dear Dr. Rivero,

Greetings!

We are the 3rd year students taking up BSBA Microfinance at Bicol University College of

Business, Economics, and Management, are currently conducting our Business Research entitled,

“The Student Attributes and Knowledge on Online Shopping Platforms”

In light of this, we respectfully request your approval to conduct a survey for third-year

students from across all programs. This survey will be administered through an online

questionnaire via a Google Form link: Students Attributes and Knowledge of Online Shopping

Platforms (google.com)

Rest assured that all data collected by the researchers will be handled with the utmost

confidentiality and treated with the utmost respect. Your approval of this request will be highly

appreciated and helpful to proceed with this research. If you have any clarifications or concerns,

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

please do not hesitate to contact us through email address: ejll2022-2443-88723@bicol-u.edu.ph

or mobile number 09916869801 and look for Mr. Errol John L. Lorica.

Thank you so much. Recommending Approval

Respectfully yours, DR. EDDIE S. SEE

Research Professor
CHINNEE B. CLET

MARK ADRIAN A. FERNANDEZ PROF. GEMMA A. SARTE

Research Adviser
ERROL JOHN L. LORICA

CHARLES REXANE S. LUDOVICE DR. JANET G. POJA

BSBA Department Chairperson
ERNIE E. MIRANDA

Approved by:

DIMSON R. RIVERO, DBA

Dean, BUCBEM

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

D. Work and Financial Plan

Activity Items for Expense Cost Remarks

Php
Thesis proposal Supplies 150.00
preparation, defense, Internet 250.00
and compliance to Transportation 750.00
panel
recommendations
Completed paper Supplies
defense, compliance Internet
to panel Transportation
recommendations and Bookbinding
submission of final
manuscript and group
thesis compilation

Total 1,150.00

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

E. Plate 2. Frequency and Percentage Distribution of Sex

F. Plate 3. Frequency and Percentage Distribution of Year Level

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G. Plate 4. Descriptive Statistic of Cash Allowance

H. Plate 5. Descriptive Statistic of Knowledge

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I. Plate 6. Correlation and Statistical analysis

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

J. Curriculum Vitae

Name: Clet, Chinnee B.

Address: Purok-5, Libtong Tiwi Albay

Phone: 09935519521

Email: chinneeclet8@gmail.com

Date of Birth: February 13, 2004

Place of Birth: Libtong Tiwi Albay

Age: 20 years old

Civil Status: Single

EDUCATIONAL ATTAINMENT

Tertiary: Bachelor of Science in Business and Administration Major in Microfinance

Bicol University

Daraga Albay

2022-Present

Secondary: Tabaco National High School

Tabaco City

2016-2020

Senior High: Amando Cope College

Baranghawon Tabaco City

2020-2022

Primary: Libtong Elementary School

Libtong Tiwi Albay

2010-2016

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Name: Fernandez, Mark Adrian A.

Address: Brgy 61 Maslog Legazpi City, Albay

Phone: 09566711577

Email: markadrianfernandez123@gmail.com

Date of Birth: February 23, 2004

Place of Birth: Legazpi City Albay

Age: 20 years old

Civil Status: Single

EDUCATIONAL ATTAINMENT

Tertiary: Bachelor of Science in Business and Administration Major in Microfinance

Bicol University

Daraga Albay

2022-Present

Secondary: St. Raphael Academy

Legazpi City

2016-2020

Senior High: St. Raphael Academy

Legazpi City

2020-2022

Primary: Maslog Elementary School

Legazpi City Albay

2010-2016

Name: Lorica, Errol John L.

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Address: Purok-6, Lourdes, Pilar, Sorsogon

Phone: 09916869801

Email: loricaej@gmail.com

Date of Birth: June 12, 2004

Place of Birth: Lourdes, Pilar, Sorsogon

Age: 20 years old

Civil Status: Single

EDUCATIONAL ATTAINMENT

Tertiary: Bachelor of Science in Business and Administration Major in Microfinance

Bicol University

Daraga Albay

2022-Present

Secondary: Manuel T. Sia National High School

Lourdes, Pilar, Sorsogon

2016-2022

Primary: Lourdes Elementary School

Lourdes, Pilar, Sorsogon

2010-2016

Name: Ludovice, Charles Rexane S.

Address: Purok-2, Sitio Bascaran Libod, Camalig, Albay

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Phone: 09857565667

Email: charlesludovice@gmail.com

Date of Birth: January 19, 2004

Place of Birth: Camalig, Albay

Age: 20 years old

Civil Status: Single

EDUCATIONAL ATTAINMENT

Tertiary: Bachelor of Science in Business and Administration Major in Microfinance

Bicol University

Daraga Albay

2022-Present

Secondary: Marcial O. Raniola Memorial School

San Rafael, Guinobatan, Albay

2016-2022

Primary: Travesia Elementary School

San Rafael, Guinobatan, Albay

2010-2016

Name: Miranda, Ernie E.

Address: Purok-3 Alimsog Sto.Domingo Albay

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 Clet, Fernandez, Lorica, Ludovice, & Miranda

Phone: 0931948002

Email: eem2022-7880-4909@bicol-u.edu.ph

Date of Birth: November 15, 2003

Place of Birth: Alimsog Sto. Domingo Albay

Age: 21 years old

Civil Status: Single

EDUCATIONAL ATTAINMENT

Tertiary: Bachelor of Science in Business and Administration Major in Microfinance

Bicol University

Daraga Albay

2022-Present

Secondary: Alimsog Integrated School

Sto.Domingo Albay

2016-2022

Primary: Alimsog Integrated School

Sto. Domingo Albay

2010-2016

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