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James Kyle C. Saligumba

Publications (1)

Financial Literacy and Retirement Preparedness among Government Employees: A Correlation Analysis

Regine E. Apostol, Jolo G. Maitom, Maricel I. Manus, Sonny P. Ravelo, James Kyle C. Saligumba & Jilla Mae D. Susada · Asian Journal of Education and Social Studies · 2025

The increasing number of senior government employees poses significant challenges for the retirement system worldwide. Many senior government employees in the Philippines, particularly in rural areas such as Cateel, Davao Oriental, face financial instability due to inadequate ret...

Open access Research Article 10.9734/ajess/2025/v51i82269