Junior Finance Executives - UM Digos College

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Junior Finance Executives - UM Digos College The official page of Junior Finance Executives of UM Digos College chapter UMDC JFINEX OFFICIAL PAGE

โœจ ๐„๐ฑ๐œ๐ž๐ฅ๐ฅ๐ž๐ง๐œ๐ž ๐‘๐ž๐œ๐จ๐ ๐ง๐ข๐ณ๐ž๐, ๐’๐ฎ๐œ๐œ๐ž๐ฌ๐ฌ ๐‚๐ž๐ฅ๐ž๐›๐ซ๐š๐ญ๐ž๐!โœจA remarkable achievement worth celebrating! ๐Ÿงก The JFINEX family proudly con...
15/10/2026

โœจ ๐„๐ฑ๐œ๐ž๐ฅ๐ฅ๐ž๐ง๐œ๐ž ๐‘๐ž๐œ๐จ๐ ๐ง๐ข๐ณ๐ž๐, ๐’๐ฎ๐œ๐œ๐ž๐ฌ๐ฌ ๐‚๐ž๐ฅ๐ž๐›๐ซ๐š๐ญ๐ž๐!โœจ

A remarkable achievement worth celebrating! ๐Ÿงก The JFINEX family proudly congratulates ๐‰๐จ๐ซ๐ ๐ž ๐ƒ๐จ๐ฏ๐š๐ง ๐“. ๐‹๐ž๐ซ๐ข๐จ and ๐ˆ๐ฏ๐ฒ ๐‰๐š๐ง๐ž ๐‘. ๐’๐ž๐๐ž๐ซ๐จ, our two outstanding members who successfully passed the ๐€๐ฎ๐ ๐ฎ๐ฌ๐ญ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” ๐‚๐ข๐ฏ๐ข๐ฅ ๐’๐ž๐ซ๐ฏ๐ข๐œ๐ž ๐„๐ฑ๐š๐ฆ๐ข๐ง๐š๐ญ๐ข๐จ๐ง!๐Ÿ†

Their success stands as a testament to the power of perseverance, discipline, and dedication. Beyond this significant milestone, their achievement serves as an inspiration to fellow JFINEX members, proving that every step taken with determination brings us closer to greater opportunities and brighter futures.

The entire JFINEX family celebrates this well-deserved success! ๐Ÿงก May this accomplishment open doors to new possibilities and inspire you to continue striving for excellence. You have brought pride and honor to JFINEX and the ๐๐’๐๐€ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐Œ๐š๐ง๐š๐ ๐ž๐ฆ๐ž๐ง๐ญ community. Here's to more milestones, greater achievements, and a future filled with success! โœจ๐ŸŽ‰




Part II
14/10/2026

Part II

CAPTURING A MILESTONE, CELEBRATING PARTNERSHIPS!A look back at a meaningful milestone for the UM Digos College as the Fi...
14/10/2026

CAPTURING A MILESTONE, CELEBRATING PARTNERSHIPS!

A look back at a meaningful milestone for the UM Digos College as the Financial Literacy and Learning Center (FLLC) officially launches, accompanied by the signing of the Memorandum of Agreement (MOA).

This milestone reflects the power of collaboration between the academe, industry, and government in creating opportunities to strengthen financial knowledge and promote responsible financial management.

JFINEX proudly recognizes the valuable participation of our industry partners in making this initiative a step forward for financial education and community engagement.

Hereโ€™s to meaningful partnerships and a future where financial knowledge creates lasting impact!

๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐”๐ง๐ฉ๐š๐œ๐ค๐ž๐: ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐  ๐‚๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ ๐๐จ๐ซ๐ซ๐จ๐ฐ๐ข๐ง๐  ๐‚๐ก๐จ๐ข๐œ๐ž๐ฌโ€ผ๏ธโœจ๐‚๐ก๐ซ๐ข๐ฌ๐ž๐ญ๐ž๐ง๐ž ๐Œ๐š๐ž ๐€. ๐Œ๐š๐๐š๐ ๐š๐ญ, ๐—๐ฒ๐ฉ๐ก๐ข ๐Š๐š๐ซ๐ฒ๐ฅ๐ฅ ๐‘. ๐“๐ข๐จ๐ง๐ ๐œ๐จ, an...
11/10/2026

๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐”๐ง๐ฉ๐š๐œ๐ค๐ž๐: ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐  ๐‚๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ ๐๐จ๐ซ๐ซ๐จ๐ฐ๐ข๐ง๐  ๐‚๐ก๐จ๐ข๐œ๐ž๐ฌโ€ผ๏ธโœจ

๐‚๐ก๐ซ๐ข๐ฌ๐ž๐ญ๐ž๐ง๐ž ๐Œ๐š๐ž ๐€. ๐Œ๐š๐๐š๐ ๐š๐ญ, ๐—๐ฒ๐ฉ๐ก๐ข ๐Š๐š๐ซ๐ฒ๐ฅ๐ฅ ๐‘. ๐“๐ข๐จ๐ง๐ ๐œ๐จ, and ๐†๐ž๐ซ๐ญ๐ซ๐ฎ๐๐ž ๐. ๐‚๐ซ๐ข๐ฌ๐ฉ๐จ, together with their research adviser, ๐Š๐š๐ญ๐ก๐ฅ๐ž๐ง๐ž ๐Œ๐š๐ž ๐†. ๐Œ๐š๐ง๐ฎ๐ฅ๐š๐ญ, ๐Œ๐๐€, celebrate a significant academic milestone with the publication of their research in the ๐˜ผ๐™ข๐™š๐™ง๐™ž๐™˜๐™–๐™ฃ ๐™…๐™ค๐™ช๐™ง๐™ฃ๐™–๐™ก ๐™ค๐™› ๐™€๐™˜๐™ค๐™ฃ๐™ค๐™ข๐™ž๐™˜๐™จ ๐™–๐™ฃ๐™™ ๐˜ฝ๐™ช๐™จ๐™ž๐™ฃ๐™š๐™จ๐™จ ๐™„๐™ฃ๐™ฃ๐™ค๐™ซ๐™–๐™ฉ๐™ž๐™ค๐™ฃ (๐˜ผ๐™…๐™€๐˜ฝ๐™„), ๐™‘๐™ค๐™ก๐™ช๐™ข๐™š 5, ๐™„๐™จ๐™จ๐™ช๐™š 3 (๐™Š๐™˜๐™ฉ๐™ค๐™—๐™š๐™ง 2026). ๐Ÿ“–

Their study, โ€œ๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐๐ซ๐ž๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž๐ฌ ๐€๐ฆ๐จ๐ง๐  ๐‚๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ ๐Œ๐ž๐ฆ๐›๐ž๐ซ๐ฌ ๐ข๐ง ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐ข๐ญ๐ฒ: ๐€ ๐‚๐จ๐ง๐ฃ๐จ๐ข๐ง๐ญ ๐€๐ง๐š๐ฅ๐ฒ๐ฌ๐ข๐ฌ,โ€ examines the factors that shape community membersโ€™ preferences when choosing digital lending services. Through conjoint analysis, the research explores how different lending features influence individualsโ€™ choices, offering insights into the considerations that matter when accessing credit through digital platforms. ๐Ÿ“ฑ๐Ÿ’ณ๐Ÿ“Š

This achievement reflects the researchersโ€™ dedication to examining financial practices that continue to evolve alongside digital technology. As students of the ๐”๐ง๐ข๐ฏ๐ž๐ซ๐ฌ๐ข๐ญ๐ฒ ๐จ๐Ÿ ๐Œ๐ข๐ง๐๐š๐ง๐š๐จ โ€“ ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐จ๐ฅ๐ฅ๐ž๐ ๐ž, their work adds to the discussion on digital financial services and provides a closer look at borrowing preferences within the local community. ๐ŸŒฑโœจ

๐‚๐จ๐ง๐ ๐ซ๐š๐ญ๐ฎ๐ฅ๐š๐ญ๐ข๐จ๐ง๐ฌ, ๐ซ๐ž๐ฌ๐ž๐š๐ซ๐œ๐ก๐ž๐ซ๐ฌ! May this publication serve as another step toward meaningful academic contributions that deepen our understanding of financial decision-making and its impact on the community. ๐Ÿ“šโœจ

DOI:
https://doi.org/10.54536/ajebi.v5i3.8636

Journal:
https://journals.e-palli.com/home/index.php/ajebi

Article:
https://journals.e-palli.com/home/index.php/ajebi/article/view/8636




๐๐ž๐ฒ๐จ๐ง๐ ๐‚๐š๐ฌ๐ก๐ฅ๐ž๐ฌ๐ฌ ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง๐ฌ: ๐”๐ง๐œ๐จ๐ฏ๐ž๐ซ๐ข๐ง๐  ๐ญ๐ก๐ž ๐‚๐ก๐š๐ฅ๐ฅ๐ž๐ง๐ ๐ž๐ฌ ๐จ๐Ÿ ๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐€๐๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐Ÿ“ฑ๐Ÿ’ณA significant milestone in academi...
09/10/2026

๐๐ž๐ฒ๐จ๐ง๐ ๐‚๐š๐ฌ๐ก๐ฅ๐ž๐ฌ๐ฌ ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง๐ฌ: ๐”๐ง๐œ๐จ๐ฏ๐ž๐ซ๐ข๐ง๐  ๐ญ๐ก๐ž ๐‚๐ก๐š๐ฅ๐ฅ๐ž๐ง๐ ๐ž๐ฌ ๐จ๐Ÿ ๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐€๐๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐Ÿ“ฑ๐Ÿ’ณ

A significant milestone in academic research has been achieved by ๐‚๐ฅ๐š๐ข๐ซ๐ž ๐‰๐จ๐ฒ ๐. ๐ƒ๐ž๐ฅ๐ข๐ฆ๐š, ๐€๐ฅ๐ญ๐ก๐ž๐š ๐‰๐ž๐ง๐ž๐ง ๐„. ๐๐ž๐œ๐ฎ๐ง๐๐จ, and ๐‰๐ก๐š๐ง๐ง๐ž๐ง ๐Œ๐š๐ž ๐“. ๐‚๐š๐›๐š๐ก๐ฎ๐ , together with their research adviser, ๐Š๐š๐ญ๐ก๐ฅ๐ž๐ง๐ž ๐Œ๐š๐ž ๐†. ๐Œ๐š๐ง๐ฎ๐ฅ๐š๐ญ, ๐Œ๐๐€. Their research has been published in the ๐˜ผ๐™ข๐™š๐™ง๐™ž๐™˜๐™–๐™ฃ ๐™…๐™ค๐™ช๐™ง๐™ฃ๐™–๐™ก ๐™ค๐™› ๐˜ฝ๐™ช๐™จ๐™ž๐™ฃ๐™š๐™จ๐™จ ๐™–๐™ฃ๐™™ ๐™ˆ๐™–๐™ฃ๐™–๐™œ๐™š๐™ข๐™š๐™ฃ๐™ฉ ๐™„๐™ฃ๐™ฃ๐™ค๐™ซ๐™–๐™ฉ๐™ž๐™ค๐™ฃ (๐˜ผ๐™…๐˜ฝ๐™ˆ๐™„), ๐™‘๐™ค๐™ก๐™ช๐™ข๐™š 1, ๐™„๐™จ๐™จ๐™ช๐™š 1 (๐™Š๐™˜๐™ฉ๐™ค๐™—๐™š๐™ง 2026). ๐Ÿ†๐Ÿ“š

Their study, โ€œ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐  ๐ญ๐ก๐ž ๐๐š๐ซ๐ซ๐ข๐ž๐ซ๐ฌ ๐จ๐Ÿ ๐๐จ๐ง-๐…๐ฎ๐ฅ๐ฅ ๐€๐๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐จ๐Ÿ ๐‚๐š๐ฌ๐ก๐ฅ๐ž๐ฌ๐ฌ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ๐ฌ ๐š๐ฆ๐จ๐ง๐  ๐‘๐ž๐ญ๐š๐ข๐ฅ ๐’๐ญ๐จ๐ซ๐ž๐ฌ ๐ข๐ง ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐ข๐ญ๐ฒ: ๐€๐ง ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐š๐ญ๐จ๐ซ๐ฒ ๐…๐š๐œ๐ญ๐จ๐ซ ๐€๐ง๐š๐ฅ๐ฒ๐ฌ๐ข๐ฌโ€ examines the factors that hinder retail stores in Digos City from fully embracing cashless payment methods. Through exploratory factor analysis, the research aims to identify the challenges associated with adopting digital payment systems and provide a better understanding of the concerns that may affect their use in local businesses. ๐Ÿ’ณ๐Ÿ“Š

This accomplishment reflects the researchersโ€™ commitment to academic excellence and their efforts to address relevant challenges in the business community. As students of the ๐”๐ง๐ข๐ฏ๐ž๐ซ๐ฌ๐ข๐ญ๐ฒ ๐จ๐Ÿ ๐Œ๐ข๐ง๐๐š๐ง๐š๐จ โ€“ ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐จ๐ฅ๐ฅ๐ž๐ ๐ž, their study contributes to a better understanding of cashless payment adoption among local retail stores and the factors influencing its use. ๐Ÿ’ณโœจ
๐‚๐จ๐ง๐ ๐ซ๐š๐ญ๐ฎ๐ฅ๐š๐ญ๐ข๐จ๐ง๐ฌ, ๐ซ๐ž๐ฌ๐ž๐š๐ซ๐œ๐ก๐ž๐ซ๐ฌ! May this achievement encourage you to pursue further discoveries and continue creating meaningful contributions through research. ๐Ÿ“š๐Ÿงกโœจ

DOI:
https://doi.org/10.54536/ajbmi.v1i1.8669

Journal:
https://journals.e-palli.com/home/index.php/ajbmi/article/view/8669/4200

Article:
https://journals.e-palli.com/home/index.php/ajbmi/article/view/8669




๐Ÿ† ๐–๐„ ๐‚๐€๐Œ๐„. ๐–๐„ ๐‚๐Ž๐Œ๐๐„๐“๐„๐ƒ. ๐€๐๐ƒ ๐–๐„ ๐‚๐Ž๐๐๐”๐„๐‘๐„๐ƒ! ๐Ÿ”ฅCongratulations to ๐‰๐…๐ˆ๐๐„๐— for being crowned the ๐Ž๐•๐„๐‘๐€๐‹๐‹ ๐‚๐‡๐€๐Œ๐๐ˆ๐Ž๐ of this year...
08/10/2026

๐Ÿ† ๐–๐„ ๐‚๐€๐Œ๐„. ๐–๐„ ๐‚๐Ž๐Œ๐๐„๐“๐„๐ƒ. ๐€๐๐ƒ ๐–๐„ ๐‚๐Ž๐๐๐”๐„๐‘๐„๐ƒ! ๐Ÿ”ฅ

Congratulations to ๐‰๐…๐ˆ๐๐„๐— for being crowned the ๐Ž๐•๐„๐‘๐€๐‹๐‹ ๐‚๐‡๐€๐Œ๐๐ˆ๐Ž๐ of this yearโ€™s Mini Olympics!

Held at the ๐”๐Œ ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐จ๐ฅ๐ฅ๐ž๐ ๐ž ๐จ๐ง ๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ“, ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”, this yearโ€™s Mini Olympics, with the themeโ€œ๐‘ฉ๐’๐’‚๐’›๐’Š๐’๐’ˆ ๐’•๐’‰๐’† ๐‘ณ๐’†๐’ˆ๐’‚๐’„๐’š ๐’๐’‡ ๐‘ช๐’๐’–๐’“๐’‚๐’ˆ๐’†, ๐‘ณ๐’†๐’‚๐’…, ๐’‚๐’๐’… ๐‘น๐’Š๐’”๐’† ๐’‚๐’” ๐‘ถ๐’๐’†โ€, brought together students in a celebration of talent, sportsmanship, teamwork, and school spirit.

This achievement reflects the dedication, teamwork, talent, and determination of everyone who proudly represented Financial Management. Every effort, challenge, and moment of giving our best contributed to this well-deserved victory.

A heartfelt thank you to everyone who made this achievement possible:

๐“๐จ ๐จ๐ฎ๐ซ ๐‰๐…๐ˆ๐๐„๐— ๐…๐š๐œ๐ฎ๐ฅ๐ญ๐ฒ, thank you for your guidance, encouragement, and continuous support. Your trust and presence made this journey even more meaningful.

๐“๐จ ๐จ๐ฎ๐ซ ๐‰๐…๐ˆ๐๐„๐— ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž๐ซ๐ฌ, thank you for your leadership, hard work, preparation, and commitment behind every event. Your efforts helped bring everyone together and kept us moving forward.

๐“๐จ ๐จ๐ฎ๐ซ ๐๐š๐ซ๐ญ๐ข๐œ๐ข๐ฉ๐š๐ง๐ญ๐ฌ, thank you for giving your time, talent, effort, and heart in representing JFINEX in various competitions, from ๐‹๐ข๐ญ๐ž๐ซ๐š๐ซ๐ฒ ๐„๐ฏ๐ž๐ง๐ญ๐ฌ, ๐’๐จ๐œ๐ข๐จ-๐‚๐ฎ๐ฅ๐ญ๐ฎ๐ซ๐š๐ฅ ๐„๐ฏ๐ž๐ง๐ญ๐ฌ, ๐’๐ฉ๐จ๐ซ๐ญ๐ฌ ๐€๐ญ๐ก๐ฅ๐ž๐ญ๐ž๐ฌ, ๐š๐ง๐ ๐„-๐ฌ๐ฉ๐จ๐ซ๐ญ๐ฌ. You stepped up, gave your best, and proudly carried the name of our organization. We are incredibly proud of you!

To our Members, thank you for the cheers, support, encouragement, and presence throughout the competition. Every form of support mattered and helped fuel our participants along the way.

This victory is not just for those who completedโ€”it is a victory for ๐š๐ฅ๐ฅ ๐จ๐Ÿ ๐‰๐…๐ˆ๐๐„๐—.. Together, we showed the strength of our organization and what we can achieve when we stand as one.

Once again, ๐‚๐Ž๐๐†๐‘๐€๐“๐”๐‹๐€๐“๐ˆ๐Ž๐๐’, ๐‰๐…๐ˆ๐๐„๐—!๐Ÿงก

โœจ ๐™ˆ๐™„๐™‰๐™„ ๐™Š๐™‡๐™”๐™ˆ๐™‹๐™„๐˜พ 2026: ๐™€๐™๐™‹๐™ƒ๐™Š๐™๐™„๐˜ผ โœจThe spirit of ๐™€๐™๐™‹๐™ƒ๐™Š๐™๐™„๐˜ผ came alive as students gathered to compete, cheer, and celebrate s...
08/10/2026

โœจ ๐™ˆ๐™„๐™‰๐™„ ๐™Š๐™‡๐™”๐™ˆ๐™‹๐™„๐˜พ 2026: ๐™€๐™๐™‹๐™ƒ๐™Š๐™๐™„๐˜ผ โœจ

The spirit of ๐™€๐™๐™‹๐™ƒ๐™Š๐™๐™„๐˜ผ came alive as students gathered to compete, cheer, and celebrate sportsmanship, teamwork, and unity. Held on October 5, 2026 the ๐™ˆ๐™ž๐™ฃ๐™ž ๐™Š๐™ก๐™ฎ๐™ข๐™ฅ๐™ž๐™˜ 2026: ๐™€๐™ช๐™ฅ๐™๐™ค๐™ง๐™ž๐™–, with the theme "๐˜ผ๐™‡๐˜ผ๐˜ฝ: ๐˜ฝ๐™ก๐™–๐™ฏ๐™ž๐™ฃ๐™œ ๐™‡๐™š๐™œ๐™–๐™˜๐™ฎ ๐™ค๐™› ๐˜พ๐™ค๐™ช๐™ง๐™–๐™œ๐™š, ๐™‡๐™š๐™–๐™™ ๐™–๐™ฃ๐™™ ๐™๐™ž๐™จ๐™š ๐™–๐™จ ๐™Š๐™ฃ๐™š", brought everyone together in a celebration filled with passion, energy, determination, and camaraderie. ๐Ÿ†โœจ

More than just a competition, the event became a platform for students to showcase their skills, challenge their limits, and embrace the true spirit of sportsmanship. Every game, cheer, victory, and challenge reflected the courage to compete, the strength to lead, and the power to rise together as one. ๐Ÿ”ฅ๐Ÿ’ช

Through ๐™€๐™๐™‹๐™ƒ๐™Š๐™๐™„๐˜ผ, the Mini Olympic created unforgettable moments and strengthened the bonds among participants. It reminded everyone that the greatest victory is not only found in winning, but also in the friendships formed, lessons learned, and memories created throughout the journey. ๐Ÿค๐Ÿ…

๐˜ผ ๐™˜๐™š๐™ก๐™š๐™—๐™ง๐™–๐™ฉ๐™ž๐™ค๐™ฃ ๐™ค๐™› ๐™ฅ๐™–๐™จ๐™จ๐™ž๐™ค๐™ฃ, ๐™˜๐™ค๐™ช๐™ง๐™–๐™œ๐™š, ๐™˜๐™–๐™ข๐™–๐™ง๐™–๐™™๐™š๐™ง๐™ž๐™š, ๐™–๐™ฃ๐™™ ๐™ฉ๐™๐™š ๐™—๐™ก๐™–๐™ฏ๐™ž๐™ฃ๐™œ ๐™จ๐™ฅ๐™ž๐™ง๐™ž๐™ฉ ๐™ฉ๐™ค ๐™ง๐™ž๐™จ๐™š ๐™–๐™จ ๐™ค๐™ฃ๐™š.๐Ÿ”ฅโœจ


๐…๐ซ๐จ๐ฆ ๐‘๐ž๐ฌ๐ž๐š๐ซ๐œ๐ก ๐ญ๐จ ๐‘๐ž๐š๐ฅ-๐–๐จ๐ซ๐ฅ๐ ๐ˆ๐ง๐ฌ๐ข๐ ๐ก๐ญ๐ฌ: ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐  ๐’๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ ๐ข๐ง ๐ญ๐ก๐ž ๐€๐ ๐ž ๐จ๐Ÿ ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐†๐š๐ฆ๐›๐ฅ๐ข๐ง๐  ๐Ÿ“š๐Ÿ“ฒ๐’๐ก๐š๐ง๐ž ๐€๐ฌ๐ก๐ฅ๐ž๐ฒ ๐. ๐๐ž๐ซ๐ข, ...
06/10/2026

๐…๐ซ๐จ๐ฆ ๐‘๐ž๐ฌ๐ž๐š๐ซ๐œ๐ก ๐ญ๐จ ๐‘๐ž๐š๐ฅ-๐–๐จ๐ซ๐ฅ๐ ๐ˆ๐ง๐ฌ๐ข๐ ๐ก๐ญ๐ฌ: ๐„๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐  ๐’๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ ๐ข๐ง ๐ญ๐ก๐ž ๐€๐ ๐ž ๐จ๐Ÿ ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐†๐š๐ฆ๐›๐ฅ๐ข๐ง๐  ๐Ÿ“š๐Ÿ“ฒ

๐’๐ก๐š๐ง๐ž ๐€๐ฌ๐ก๐ฅ๐ž๐ฒ ๐. ๐๐ž๐ซ๐ข, ๐†๐ฅ๐š๐ข๐ณ๐š ๐Œ๐š๐ฒ ๐‘. ๐€๐ง๐๐š๐จ, and ๐‰๐ž๐ซ๐ซ๐š ๐‹๐ž๐ž ๐. ๐†๐š๐ฅ๐ž๐ง๐๐ž๐ฌ, together with their research adviser, ๐Š๐š๐ญ๐ก๐ฅ๐ž๐ง๐ž ๐Œ๐š๐ž ๐†. ๐Œ๐š๐ง๐ฎ๐ฅ๐š๐ญ, ๐Œ๐๐€, proudly celebrate the publication of their research study, โ€œ๐„๐Ÿ๐Ÿ๐ž๐œ๐ญ ๐จ๐Ÿ ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐†๐š๐ฆ๐›๐ฅ๐ข๐ง๐  ๐š๐ง๐ ๐’๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ ๐จ๐Ÿ ๐€๐๐ฎ๐ฅ๐ญ๐ฌ ๐ข๐ง ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐ข๐ญ๐ฒ,โ€ published in the ๐™…๐™ค๐™ช๐™ง๐™ฃ๐™–๐™ก ๐™ค๐™› ๐™€๐™˜๐™ค๐™ฃ๐™ค๐™ข๐™ž๐™˜๐™จ, ๐™๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™š, ๐™–๐™ฃ๐™™ ๐™ˆ๐™–๐™ฃ๐™–๐™œ๐™š๐™ข๐™š๐™ฃ๐™ฉ ๐™Ž๐™ฉ๐™ช๐™™๐™ž๐™š๐™จ, ๐™‘๐™ค๐™ก๐™ช๐™ข๐™š 09, ๐™„๐™จ๐™จ๐™ช๐™š 09 (๐™Ž๐™š๐™ฅ๐™ฉ๐™š๐™ข๐™—๐™š๐™ง 2026). ๐Ÿ†๐Ÿ“–

Their study, โ€œ๐„๐Ÿ๐Ÿ๐ž๐œ๐ญ ๐จ๐Ÿ ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐†๐š๐ฆ๐›๐ฅ๐ข๐ง๐  ๐š๐ง๐ ๐’๐ฉ๐ž๐ง๐๐ข๐ง๐  ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ ๐จ๐Ÿ ๐€๐๐ฎ๐ฅ๐ญ๐ฌ ๐ข๐ง ๐ƒ๐ข๐ ๐จ๐ฌ ๐‚๐ข๐ญ๐ฒ,โ€ examines the effect of online gambling on the spending behavior of adults in Digos City. The research provides valuable insights into how engagement in online gambling may influence spending patterns and financial decisions, highlighting the importance of financial awareness and responsible financial behavior. ๐Ÿ’ฐ๐Ÿ“ฑ๐Ÿ“Š

This achievement reflects the researchersโ€™ hard work, dedication, and commitment to producing relevant and meaningful research. Their study offers valuable perspectives on an important financial and social concern, showing how academic research can help shed light on real-life behaviors and encourage greater awareness. ๐Ÿ“šโœจ

๐‚๐จ๐ง๐ ๐ซ๐š๐ญ๐ฎ๐ฅ๐š๐ญ๐ข๐จ๐ง๐ฌ! on this remarkable achievement! ๐ŸŽ‰โœจ May this publication inspire you to continue pursuing meaningful research, expanding knowledge, and creating a positive impact through your academic endeavors. ๐Ÿ“–๐Ÿงก

DOI:
https://doi.org/10.47191/jefms/v9-i9-43

Journal:
https://ijefm.co.in/v9i9/Doc/43.pdf

Article:
https://ijefm.co.in/v9i9/43.php




The greatest investment is in peopleโ€”and our teachers invest in us every day. ๐Ÿงก๐Ÿ“ˆThank you for sharing your knowledge, pa...
06/10/2026

The greatest investment is in peopleโ€”and our teachers invest in us every day. ๐Ÿงก๐Ÿ“ˆ

Thank you for sharing your knowledge, patience, and wisdom, and for helping us build a stronger foundation for our future.

To all the educators who continue to guide and inspire us, Happy Teachersโ€™ Day!๐Ÿ“šโœจ

With gratitude,
๐‰๐…๐ˆ๐๐„๐— ๐…๐š๐ฆ๐ข๐ฅ๐ฒ๐Ÿงก

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