This study examined the role of financial inclusion in the personal financial management of teaching personnel at Laguna University, focusing on their access to financial products such as savings accounts, loans, payment systems, and insurance. Utilizing a descriptive-correlational research design, the study sampled 73 respondents from a population of 139 teaching personnel. Findings revealed that respondents generally experienced a high level of financial inclusion, with significant positive correlations between financial inclusion and personal financial management practices, including savings behavior, debt management, budgeting, and retirement planning. Notably, age and educational attainment were significant factors influencing financial inclusion experiences. The study concluded that enhanced access to financial products positively impacted the financial management practices of teaching personnel, underscoring the importance of financial literacy and resources. Based on these findings, the study recommended implementing targeted financial education programs for teaching personnel to enhance their understanding of available financial products and improve their personal financial management skills. Furthermore, promoting accessible financial services could empower educators to make informed decisions regarding their financial futures. It was also suggested that future research explore the long-term effects of financial inclusion on financial management practices and consider a broader range of employees to provide a more comprehensive understanding of the issues at hand. Overall, this research contributed valuable insights into how financial inclusion could serve as a catalyst for better personal financial management among teaching personnel.

FINANCIAL INCLUSION

FINANCIAL EDUCATION

FINANCIAL PRODUCT

TEACHING PERSONNEL

PERSONAL FINANCIAL MANAGEMENT