IJOMAI Published Article

This study investigated the factors influencing the spending decisions of non-teaching personnel at Surigao del Norte State University (SNSU). Guided by the Theory of Planned Behavior and related frameworks in behavioral economics and psychology, the research employed a descriptive-correlational design to analyze how cultural, social, personal, and psychological factors impact financial behavior. Data were gathered from 84 respondents using a validated survey instrument and analyzed using descriptive statistics, Pearson correlation, and regression analysis. Results revealed that personal, psychological, and economic factors significantly influence spending decisions, while cultural and social factors showed no significant relationship. Additionally, civil status, monthly income, and length of service were found to significantly affect spending patterns. These findings underscore the need for institution-based financial literacy programs that are responsive to employees’ demographic and psychological profiles. The study provides evidence-based insights that can support policy development and targeted interventions to enhance financial well-being and decision-making among university personnel.