World Education Connect Multidisciplinary e-Publication, Vol. VI, Issue IX (September 2026), pp.90-95
Ruel M. Orbase
Financial capability determines whether Agrarian Reform Beneficiary enterprises can protect working capital, meet obligations, and continue operating through seasonal and household pressures. This phenomenological study explored the financial management experiences of 12 Agrarian Reform Beneficiaries who owned, managed, or directly handled enterprise finances in Pio V. Corpuz, Masbate. Criterion purposive sampling and semi-structured interviews generated the narratives, which were coded and analyzed thematically. Seventeen themes emerged across four experiential areas. Participants planned around production cycles, used simple and memory-supported records, moved funds between household and enterprise needs, borrowed cautiously, and controlled inventory and prices through practical judgment. They faced irregular working capital, limited financial knowledge, unstable markets, rising costs, and intersecting climate, household, and institutional pressures. They coped by prioritizing expenses, diversifying activities, rotating funds, mobilizing relationships, pooling resources, and learning from experience and technical assistance. Participants associated sustainability with protected capital, transparent records, trust, disciplined flexibility, and the gradual formalization of useful practices. The findings informed the KABUHAY-ARB Financial Capability Development Program, an eight-area pathway covering seasonal planning, minimum records, household-enterprise boundaries, costing and inventory, credit decisions, transparency, risk recovery, and market readiness. Contextualized tools, coaching, and coordinated institutional support are necessary to convert short-term coping into sustainable enterprise capability.
agrarian reform beneficiaries, financial management, rural enterprise, financial capability
The World Education Connect Multidisciplinary e-Publication is a reputable, refereed, and peer-reviewed international journal. It is dedicated to fostering academic excellence and promoting interdisciplinary research across diverse fields. The journal covers a wide range of topics, including education, psychology, science, technology, social sciences, humanities, and more, providing a platform for scholars and researchers to share their knowledge and insights.
In addition, the publication places a special emphasis on the promotion and development of the Filipino language, contributing to its growth and recognition in the global academic community.
PUBLICATION GUIDELINES
Publication Ethics and Publication Malpractice Statement
PROCESSING FEES AND INCLUSIONS
