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ABSTRACT
The study was conducted to understand the life of a public elementary teachers living in
understanding the common lives experiences of the respondents. Four public elementary
teachers, all females, served as respondents of the study. The primary data collection method
was unstructured interviews. The data were coded and analyzed according to the research
questions. The research resulted in two major themes which emerged out of the experiences
shared by the public elementary teachers that (a) teachers employed various coping
mechanisms to manage meagerness of income; and (b) participants expressed the need to
Teachers in their own perspectives and experiences revealed that their income was
meager and that they need to cope with this meagreness to sustain their needs. They borrowed
money from banks and other lending investors. They had reasons why they opted to borrow
The life of teachers living in a meager income revolves around loans, bunggo, and some
There were recommendations given in this study wherein teachers and school heads
1
keywords: qualitative. phenomenology. experience. teachers. income. meagerness. family.
2
CHAPTER I
INTRODUCTION
Teachers are an extremely important facet of any society for a number of reasons and their
Teachers are the people who educate the youth of society who in turn become the
Teachers are the people who are teaching children and imparting knowledge upon them
What children learn from their teachers at a young age will most likely stay with them in
Teachers play an extraordinary part in the lives of children for the formative years of their
development and the importance of teachers is something that cannot be understated. They
involve themselves in moulding their students into responsible citizens of their country.
Within a school, if teachers are well educated and if they are intellectually alive and take
keen interest in their job, then only success is ensured (READ Foundation).
In my childhood years, I always find teachers as one of the most respectable and influential
individuals in our community. My notion then was that all teachers are rich that they are well
However, here in our country, salary increase is always the battle cry of public teachers.
According to Geronimo (2014), during the time of President Gloria Macapagal Arroyo, the
minimum salary of public school teachers saw gradual increases over a 4-year period by virtue
of Executive Order no. 811 from P14, 198 in 2009 to P18, 549 in 2012 to date. He also stressed
that Philippine Military Academy cadets (P21, 709 monthly) and call center agents (P15, 000-
25,000/ month) get higher monthly salaries than a public school teacher
Meanwhile, Senator Juan Edgardo Angara is pushing for an even higher minimum
salary of P33,859 ($775) for public school teachers. This is an upgrade from Salary Grade 11 to
3
Salary Grade 19 (Geronimo, 2014). According to Angara, because of the “unattractive salary
levels,” public schools have failed to attract the best and brightest graduates from top colleges
and universities. The increase, he said, can help teachers strive for excellence, resulting to
Angara on his speech before Teacher’s Day Celebration last 2013 said,
"As we celebrate our teachers' role in the society and nation building--most especially
as molders of our children's future--we should also give priority to the interests and welfare of
"Public school teachers are the heart of the Philippine public school system but they are
among the most underpaid workers given their workload and service in the society. They
receive a basic salary that does not commensurate to their contribution," he added.
The need for increase of salary of Public school teachers made me think how teachers
4
Statement of the Problem
The study aimed to answer the research question that also guided my research
throughout the study: What is the life of a public elementary teachers living in a meager
The purpose of this study was to understand the life of a public elementary teachers
living in a meager income at Francisco Austria Memorial Elementary School. This study will be
added to the existing bodies of research for public elementary teachers for basic governance as
information in motivating and protecting the financial status of teachers that greatly affect their
performance.
The result of this study will serve as an eye opener for the policy makers of the
government by having the information of the experiences of teachers that in their own
perspective consider their income as meager. Thus, the need to upgrade the salary of teachers
that will commensurate to their contributions should be one of their priorities in policy making.
Furthermore, the department of education can also use the result of the study as one of
the information in designing their development program for their teachers not only on academic
and quality teaching but focusing also on strengthening the financial management of the
teachers which serve as contributory factor on providing quality and equitable education.
5
For the future researchers, another angle of study regarding teachers’ lived experiences
can be explored using the result of this study. This will be a great help for them in identifying
Moreover, as teacher, administrator, and researcher the study will serve as one of my
their status of income. Decisions that will be made involving teachers with regards to
6
CHAPTER II
Alliance of Concerned Teachers (ACT) was citing a study of the National Economic and
Development Authority, and the National Wages and Productivity Commission said that for a
family of five to live decently, an employee should earn at least P1,054 daily. Valbuena
(representative of ACT) also emphasized that because of the teachers’ meager income, some
“aren’t motivated” anymore to teach in the country, forcing them to look for greener pasture
abroad, which has contributed to the deterioration of the country’s public education system.
Since then teachers are not able to participate in demonstration for their welfare. The voice of
teachers is silent. In this study teachers will be given time to be heard and understand their
situation. The life that they are trying to survive day by day will give as the clear understanding
of teachers’ difficulties in living in this very costly society. It is a fact that teachers in the
Philippines are one of the lowest paid professions in the region. For, Tamar Trabelsi-Haddad in
Israel the heart of the teachers' battle is being waged on two fronts and one of these is: The
primary focus is the issue of Israel's low-paid teachers, a cause for concern in the education
system for many years, and which, despite a series of reforms, has yet to see any dramatic
shift. This implies that teacher is really experiencing prejudice in their income not only in the
Phenomenology
appearances of things, or things as they appear in our experience, or the ways we experience
7
things, thus the meanings things have in our experience. Phenomenology studies conscious
experience as experienced from the subjective or first person point of view. This field of
philosophy is then to be distinguished from, and related to, the other main fields of philosophy:
ontology (the study of being or what is), epistemology (the study of knowledge), logic (the study
of valid reasoning), ethics (the study of right and wrong action), etc.
first half of the 20th century by Edmund Husserl, Martin Heidegger, Maurice Merleau-Ponty,
Jean-Paul Sartre, et al. In that movement, the discipline of phenomenology was prized as the
epistemology. The methods and characterization of the discipline were widely debated by
Husserl and his successors, and these debates continue to the present day. (The definition of
phenomenology offered above will thus be debatable, for example, by Heideggerians, but it
characterization of sensory qualities of seeing, hearing, etc.: what it is like to have sensations of
various kinds. However, our experience is normally much richer in content than mere sensation.
addressing the meaning things have in our experience, notably, the significance of objects,
events, tools, the flow of time, the self, and others, as these things arise and are experienced in
our “life-world”.
philosophy throughout the 20th century, while philosophy of mind has evolved in the Austro-
Anglo-American tradition of analytic philosophy that developed throughout the 20th century. Yet
the fundamental character of our mental activity is pursued in overlapping ways within these two
accommodate both traditions. The main concern here will be to characterize the discipline of
8
phenomenology, in a contemporary purview, while also highlighting the historical tradition that
from perception, thought, memory, imagination, emotion, desire, and volition to bodily
awareness, embodied action, and social activity, including linguistic activity. The structure of
these forms of experience typically involves what Husserl called “intentionality”, that is, the
directedness of experience toward things in the world, the property of consciousness that it is a
concepts, thoughts, ideas, images, etc. These make up the meaning or content of a given
experience, and are distinct from the things they present or mean.
oneself), the self in different roles (as thinking, acting, etc.), embodied action (including
kinesthetic awareness of one's movement), purpose or intention in action (more or less explicit),
collective action), and everyday activity in our surrounding life-world (in a particular culture).
context, language and other social practices, social background, and contextual aspects of
intentional activities. Thus, phenomenology leads from conscious experience into conditions
that help to give experience its intentionality. Traditional phenomenology has focused on
9
subjective, practical, and social conditions of experience. Recent philosophy of mind, however,
has focused especially on the neural substrate of experience, on how conscious experience and
how much of these grounds of experience fall within the province of phenomenology as a
discipline. Cultural conditions thus seem closer to our experience and to our familiar self-
understanding than do the electrochemical workings of our brain, much less our dependence on
quantum-mechanical states of physical systems to which we may belong. The cautious thing to
say is that phenomenology leads in some ways into at least some background conditions of our
experience (plato.stanford.edu).
Symbolic Interactionism
formation of meanings for individuals. The inspiration for this theory came from Dewey (1981),
which believed that human beings are best understood in a practical, interactive relation to their
environment (www.utwente.nl).
major framework of sociological theory. This perspective relies on the symbolic meaning that
people develop and rely upon in the process of social interaction. Symbolic interactionism traces
its origins to Max Weber's assertion that individuals act according to their interpretation of the
meaning of their world. Hence, the study that I chose is suited for this kind of assertion.
Symbolic interaction theory analyzes society by addressing the subjective meanings that people
impose on objects, events, and behaviours. Subjective meanings are given primacy because it
is believed that people behave based on what they believe and not just on what is objectively
true. Thus, society is thought to be socially constructed through human interpretation. People
interpret one another’s behavior and it is these interpretations that form the social bond. These
interpretations are called the “definition of the situation.” In order to interpret the situation,
10
qualitative researcher who adhering to phenomenology perspective must be keen observer and
creative in asking questions in order to generate genuine responses. Teachers as the voiced of
the study have their own interpretation of their situations. Their lived experiences are very
subjective. That’s why understanding their life are very important to find meaning with the
phenomena. In the case of interviewing teachers, I think the effective tool that I will be using is
myself as person who is exploring their experiences in order to understand their lives. I can do
One of the most popular needs theories is Abraham Maslow's hierarchy of needs
theory. Maslow proposed that motivation is the result of a person's attempt at fulfilling five basic
needs: physiological, safety, social, esteem and self-actualization. According to Maslow, these
needs can create internal pressures that can influence a person's behavior.
Physiological needs are those needs required for human survival such as air, food,
water, shelter, clothing and sleep. As a manager, you can account for physiological needs of
your employees by providing comfortable working conditions, reasonable work hours and the
Safety needs include those needs that provide a person with a sense of security and
well-being. Personal security, financial security, good health and protection from accidents,
harm and their adverse affects are all included in safety needs. As a manager, you can account
for the safety needs of your employees by providing safe working conditions, secure
compensation (such as a salary) and job security, which is especially important in a bad
economy.
Social needs, also called love and belonging, refer to the need to feel a sense of
belonging and acceptance. Social needs are important to humans so that they do not feel alone,
isolated and depressed. Friendships, family and intimacy all work to fulfill social needs. As a
11
manager, you can account for the social needs of your employees by making sure each of your
employees know one another, encouraging cooperative teamwork, being an accessible and
Esteem needs refer to the need for self-esteem and respect, with self-respect being
slightly more important than gaining respect and admiration from others. As a manager, you can
account for the esteem needs of your employees by offering praise and recognition when the
employee does well, and offering promotions and additional responsibility to reflect your belief
Self-actualization needs describe a person's need to reach his or her full potential. The
need to become what one is capable of is something that is highly personal. While I might have
the need to be a good parent, you might have the need to hold an executive-level position within
your organization. Because this need is individualized, as a manager, you can account for this
As the name of the theory indicates, Maslow believed that these needs exist in
a hierarchical order. This progression principle suggests that lower-level needs must be met
before higher-level needs. The deficit principle claims that a once a need is satisfied, it is no
longer a motivator because an individual will take action only to satisfied unmet needs. If you
look at this pyramid you can see how Maslow's needs are organized with basic physiological
needs, such as air, food, water and sleep, at the bottom and the idea of self-actualization, or
12
CHAPTER III
METHODOLOGY
understand the lived experiences of public elementary teachers of Francisco Austria Memorial
Elementary, Maruyogon, Puerto Princesa City. This methodology was selected because I was
interested in capturing and understanding the lived experiences of elementary teachers through
Qualitative Study
This study was design as qualitative. Qualitative research is an effort to understand the
nature of a setting and the experiences others have in this context (Merriam, 1998 as cited by
Zeek, 2002). Qualitative research does not forecast what is to happen in the future; rather, it is
an analysis that provides a depth of understanding for those who are interested in the events of
a particular setting and time. Public Elementary teachers are experiencing income difficulty
because of several factors affecting their finances. A qualitative approach to this study will
present rich descriptions of the teachers’ lived experiences to accurately describe the
phenomenon.
Phenomenology
This study is aligned with phenomenology tradition wherein in order to understand the
meaning of one’s action we have to empathize and understand them in their own view because
different people have different experienced. Phenomenological study can give us the
background in understanding the situation of teachers living in meager income because their
lived experiences which serve as the phenomena that I would like understand on how do
teachers able to cope up with their life giving the ample amount of their income.
13
Phenomenology is a relevant philosophic methodology that is utilized to describe the
phenomena of public elementary teachers involved in living with meager income. Teachers,
through the nature of their occupation, are bombarded with different finances issues and how
they live with the situation. Phenomenology will seek to gain the truth of these experiences
through the consciousness of the experience (Zeek, 2002). Phenomenology, rooted deep in the
works of philosophers such as Kant, Hegel, and Mach, was formally introduced by Edmund
Husserl at the beginning of the twentieth century (Moran, 2000; Guignon, 2006 as cited by
Zeek, 2002). Husserl became known as the founder, or pioneer, of phenomenology (Moran,
2000; Moustakas, 1994 as cited by Zeek, 2002) with a desire to convert philosophy into a strict
science (Guignon, 2006 as by Zeek , 2002). Husserl believed the key to separating science
from philosophy was to direct attention toward meanings that connect our experience of objects
(Guignon, 2006 as cited by Zeek, 2002). Phenomenological principles assert that scientific
investigation is valid when the information gained comes about through rich description that
allows for understanding of the essences of experience (Moustakas, 1994 as cited by Zeek,
(Moustakas, 1994 as cited by Zeek, 2002). In the first step, the epoche, a Greek word implying
to avoid, one’s biases about things are excluded. Husserl first termed the epoche as the setting
aside of predispositions and prejudices, which allows things, events, and people to be seen
again, just like the first time (Moustakas, 1994 as cited by Zeek, 2002). The epoche is a warning
to be cognizant of what is really there and to stay away from the familiarity of everyday
meditative procedure to allow preconceptions to enter and exit our consciousness freely and,
once ready, the prejudgements are to be written down, or bracketed (Moustakas, 1994 as cited
by Zeek 2002). The second step, phenomenological reduction, was developed to bring
precision to research findings (Giorgi, 1997 as cited Zeek, 2002). Typically, things and events
14
are taken for granted in everyday life. Phenomenological researchers do not want to take the
world for granted because things and events are not always what they seem; rather, they want
to systematically understand how things come to be. Researchers advance toward objects in
their consciousness with an openness, observing what is there and allowing what is there to be
as it is and use textural language to describe what they see, not only the external qualities but
also the internal consciousness – the experience as it is (Moustakas, 1994 as cited by Zeek,
2002). “Through the medium of language one is able to communicate to others the objects of
consciousness to which one is present, precisely as they are presented” (Giorgi, 1997, p. 241
as cited by Zeek, 2002). Moustakas as cited by Zeek (2002) added that description “leads to
phenomenon” (p. 96). Moustakas as cited by Zeek (2002) described the steps of
phenomenological reduction. First, researchers bracket the focus of the research and set aside
all preconceived notions to allow a sole spotlight on the research. Next, researchers
horizonalize that data by giving equal value to each statement and are receptive to each
statement, providing an opportunity to wash the experience back and forth to determine the
condition of the phenomenon that gives it its character. Afterwards, repetitive and irrelevant
statements are deleted. The remaining horizons are grouped into themes, which will be the
basis for a textural description of the phenomenon. To construct a textural description one must
repeat a pattern of looking and describing, looking again and describing while constantly
referencing textural qualities – hot and cold; high and low; dark and light; fast and slow; 35 loud
and soft – descriptions that illustrate a range of intensities, sizes, shapes, colors all within an
layers, will emerge that had not been seen before. The third step, imaginative variation, seeks
possible meanings through differing perspectives, roles, and functions (Moustakas, 1994 as
cited by Zeek 2002). Researchers use phenomenological reflection and imaginative variation to
construct structural themes and descriptions from the textural meanings that go beyond the
15
façade and into the essence of the experience (Moustakas, 1994 as cited by Zeek, 2002). “It is
could not present itself as it is” (Giorgi, 1997, p. 242 as cited by Zeek, 2002). Intuition allows for
a free play of perspectives to enter into consciousness. Husserl as cited by Zeek (2002)
explains how this process comes about: The Eidos, the pure essence, can be exemplified
intuitively in the data of experiences, data of perception, memory, and so forth, but just as
readily…in the play of fancy we bring spatial shapes of one sort or another to birth, melodies,
social happenings, and so forth, or live through fictitious acts of everyday life. (p. 57) The final
step, the synthesis of meanings and essences, is a process to bring all fundamental structural
and textural descriptions into a combined statement of the essences derived from the
experiences of the entire phenomenon (Giorgi, 1997 as cited by Zeek, 2002). It is important to
note that the essences of an experience can never be fully sought; rather, the textural-structural
synthesis embodies the essences at a certain place and time from the perspective of a single
researcher drawing from a comprehensive reflective and imaginative study of the phenomenon
Data Collection
This qualitative study used phenomenological inquiry through casual and informal
conducted from November to December 2015. The said study utilized the voice of public
elementary teachers at Maruyogon who are living with meager income. The phenomenological
approach was used to understand the subjective aspects of elementary teachers’ lived
experiences from their frames of reference. “Researcher in the phenomenological mode attempt
to understand the meaning of events and interactions to ordinary people in particular situations”
( Bogdan & Biklen, 2003 as cited by Zeek, 2002). I captured personal experiences and drew out
16
rich descriptions and deep meaning from my participants as they described the nature of their
Four participants, all females, were utilized to provide the evidence needed to
understand the lived experiences of public elementary teachers living in a meager income. I
intently chose the participants in Francisco Autria Memorial Elemenatry School because of my
day-to-day conversation with them as my co-workers. I talked to them one by one and built a
conversation, as unstructured interview, to solicit their views and experiences regarding how’s
life living in a meager income. After I finished my informal interviews with the participants, I
informed them that the information I obtained from them will remain confidential and I will use
The questions provided during the conversation were unstructured. The true essence
was derived from the experiences of teachers shared during the flow of conversation. Hence
All conversations were audio recorded in order to capture the themes of conversation
and to ensure its correctness. The conversation is in Filipino, however for the purpose of this
Data Analysis
I used Zeek’s (2012) which is anchored from Moustakas’ (1994) modification of the
horizonalization, each comment held equal value. Second, I listed all nonoverlapping;
nonrepetitive statements. These statements were the invariant horizons of the experience.
Third, I grouped invariant horizons into themes. Fourth, I used the invariant horizons and
17
verbatim examples. Fifth, I constructed an individual structural description of each participant’s
experience drawn from the individual textural description and imaginative variation. Sixth, I
experience, including the invariant constituents and themes. Finally, I used the individual
experience for all participants as a whole. This description was the heart of the lived-experience.
The qualitative research perspective relies on the participants’ views for credibility as the
only justifiable evaluator of the results. Credibility refers to the degree a researcher’s analyses
find participant agreement. Member check is the most critical credibility technique (Lincoln &
Guba, 1999). In member check, each participant will be given exclusive access to their interview
transcripts and invited to read them thoroughly for clarity and accuracy and to provide additional
Dependability is the degree to which results are consistent with data and emphasizes
the importance of the researcher to account for the ever-evolving context within which the
research takes place. My role in the study was not to generate replicability, rather it was to
describe and understand the lived experiences of teachers living in a meager income. Member
checks enhanced the level of dependability of this qualitative study (Merriam, 1998 as cited by
Zeek, 2012).
Limitations
I fully disclosed the research procedures and purpose of my study to the participants.
Since all of the participants were public elementary teachers of Francisco Austria Memorial
Elementary School, they may have known each other personally and professionally. Also, I am
the school administrator for a year now and had built close personal and professional
18
relationships with my co-teachers. These relationships made it important for me to try to protect
their anonymity, which I worked toward, but could not guarantee. Pseudonyms were used
throughout this research in an attempt to protect the anonymity of participants. The focus of this
research was limited to the perspective of public elementary teachers of Francisco Austria
bias that placed limitations on my analysis. I did everything I could to be aware of my biases and
19
CHAPTER IV
This phenomenological study presents the lived experience of elementary teachers living
in a meager income. Phenomenolgy provides an opportunity for individuals to share their life
(Bogdan & Biklen, 1993 as cite by Zeek, 2012). A variety of experiences are provided to help
This study included four elementary teachers; three of them were married with children
studying in elementary, secondary, and university, and one single. These participants were all
Angel is thirty-eight years old, a mother of a one, and has been in service for three
years, occupying Teacher I position with take home pay of 5,604.62 pesos; Rosanna is 45 years
old, a mother of three, and has been in a service for fifteen years and six months; Ana, is 29
years old, single, consider herself as bread winner, and has been in a service for one year and
six months, occupying the position of Teacher I with take home pay of 6,000 pesos; and
Andrea, forty-six years old with two children in college, and one in kindergarten. She has been
in a service for twenty three years. She is a Teacher II with take home pay of 5,014 pesos.
The participants admitted during the interview that they had a meager income. After
interviewing these participants and analyzing the data, two major themes were identified. The
result of the study informed that in understanding the life of teachers living in a meager income
can be shown in two themes: (a) teachers employed various coping mechanisms to manage
meagerness of income; and (b) participants expressed the need to borrow money because of
20
Social Interactionism Theory and the Phenomenological perspective informed the
analysis of the themes from the lived experiences of public elementary teachers who were living
in a meager income. Symbolic interactionism, a term coined by Herbert Blumer as cited by Zeek
(2012), helped bring forward the truth of the situation from the perspective of the actors.
Meagerness of Income
Teachers do find ways to sustain their family needs. They tend to go to lending investors
or banks that lend money. I asked the participants what are their coping mechanisms of their
family made in terms of the meagerness of the income and how does it affect them.
For Angel she availed loan wherein she can reloan every three months. She prioritized
the needs of her son. She also talked to her husband and explained her situation that she only
received an ample amount from her salary. She also shared that she and her husband were not
able to buy new clothes. If ever they wanted to buy things for themselves, they consulted each
On other hand, Rosana said, when she has nothing to spend, she asked for a rescue
from her husband. She also availed loans and “bunggo”. She also related to me that the
expenses in their house and the expenses for their children were equally divided between her
and her husband. However, she always asking for her husband helped to sustain the other
needs.
Furthermore, Ana said there is really a need to borrow money; there is no extra wants,
only the immediate needs were put into consideration; she also explained to her children that
the money she gave to them is not from her income instead she borrowed it from the
bank/lending investor; Their other needs were able to sustain because of tricycle. Its boundary
21
In addition with these, Andrea also availed loans. She spent her income for her needs
only. She also added that before she always spent her time in the city proper while for the past
months she went to city proper twice a month only. She also spent her money wisely. If she
wanted to buy new clothes, she makes it sure that it is not expensive. She didn’t pamper herself
anymore.
Matter
I asked participants about what is the family income of the teacher and they immediately
responded that what they earned are not enough to sustain their needs. Thus, symbolic
interaction theory analyzes society by addressing the subjective meanings that people impose
on objects, events, and behaviours. Subjective meanings are given primacy because it is
believed that people behave based on what they believe and not just on what is objectively true.
As a follow up questions, participants were asked how do they sustain their daily living and what
are the reasons why they chose to borrow money from lending investors.
Angel said her income is not enough because her take home pay is only more than five
thousand pesos. She sought the service of lending investor such as Cash And Easy because
she has a baby to feed (milk). She also emphasized that when she got married she opted to
loan from the bank as an additional finance in their expenses for wedding. It was followed
when she gave birth of her son. Some amount was also spent for the repair of her father and
mother’s kitchen. She felt the need to give back for her family because of “amor propio”.
Moreover, Rosana also added that one of the reasons why she sought the helped of
lending investors to sustain their daily needs. According to her, she didn’t know how to manage
her income and most of the time she is relying on her husband.
Anna, revealed that she often availed loans when her children went to university for their
tuition. And she also added, some of her loans were intended for her siblings.
22
Andrea, further revealed that she got irritated from her mother because she kept on
repeating her about the money they spent to her during her application in police department. So
revealed that they borrowed money from lending investors due to some reasons. The reasons
can be classified as personal and family related matters. As to their experienced and own
perspective, as what phenomenological approach emphasized, all of them find their income as
not enough to sustain their family. Maslow in his hierarchy of needs defined safety needs as
those needs that provide a person with a sense of security and well-being. Personal security,
financial security, good health and protection from accidents, harm and their adverse affects.
Teachers’ responses imply that they are not experiencing financial security and freedom. Thus,
Safety Needs is not yet established in them which can affect directly or directly their
performance as teachers.
23
CHAPTER V
The study used qualitative in phenomenological perspective. The participants were four
Based on the data gathered through casual interview, two themes were revealed that (a)
teachers employed variety of coping mechanisms to manage meagerness of income; and (b)
Teachers in their own perspective and experience revealed that their income was
meager and that they need to cope with this meagreness to sustain their needs. They borrowed
money from banks and other lending investors. They had reasons why they opted to borrow
The life of teachers living in a meager income revolves around loans, bunggo, and some
Recommendation
The following recommendations have been developed from the data collected as part of
3. Further research.
Public elementary teachers who have meager income or who still have a good income
should consider:
2. Teachers should have at least another source of income aside from their salary;
3. Teachers who have families should also have educational plan for their children;
24
4. Savings are highly encouraged for any purpose; and
5. Teachers are encouraged to have their own school-based cooperative where they
can borrow money and save for their future needs in low interest basis.
1. Initiating in putting up a teachers’ cooperative to help teachers in their financial crisis and
financial management.
Additional research is recommended to expand the scope of this study. Due to this
study’s limited scope and methodology, I would recommend the following research topics to
findings;
associated with public elementary teachers are unknown. The inclusion of others in
the study such as spouse, children, extended family, and friends would allow
25
References
http://ir.stthomas.edu/cgi/viewcontent.cgi?article=1019&context=caps_ed_lead_docdiss
http://newsinfo.inquirer.net/719729/1000-public-school-teachers-to-march-to-house-for-bigger-
pay-hike-act#ixzz3qybWNyqW
http://sociology.about.com/od/Sociological-Theory/a/Symbolic-Interaction-Theory.htm
https://www.readfoundation.org.uk/blog/importance-teachers-our-society
http://www.senate.gov.ph/press_release/2013/1004_angara1.asp
http://www.rappler.com/newsbreak/iq/61149-how-much-public-school-teachers-take-home-pay
http://plato.stanford.edu/entries/phenomenology/
https://www.utwente.nl/cw/theorieenoverzicht/Theory%20Clusters/Interpersonal%20Communica
tion%20and%20Relations/Symbolic_Interactionism/
http://study.com/academy/lesson/the-needs-theory-motivating-employees-with-maslows-
hierarchy-of-needs.html
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