Provident Fund Loan Program and Its Effects on the Financial and Workplace Outcomes of the Department of Education SDO Laguna Personnel

This study aimed to determine the relationship between the features of the DepEd Provident Fund Loan Program and its effects on the financial outcomes and workplace productivity of DepEd teaching and non-teaching personnel in Schools Division Office (SDO) Laguna during the academic year 2025–2026. Specifically, it examined the loan program features in terms of loan amount, utilization, terms and conditions, satisfaction with loan release and transparency, and accessibility, and their relationship with financial stability, debt level, financial well-being, financial capability, and workplace productivity. The study tested the hypothesis of significant relationships between the variables and employed descriptive and inferential statistical tools such as mean, standard deviation, and Pearson correlation coefficient to analyze the data.
The study utilized a descriptive-correlational research design. The respondents of the study were DepEd teaching and non-teaching personnel in SDO Laguna selected through stratified random sampling. A structured questionnaire was used as the primary data gathering instrument to measure the variables of the study. The data collection procedure involved securing permission from the Schools Division Superintendent, distributing questionnaires to respondents, and retrieving completed forms for analysis. The gathered data were statistically treated using descriptive statistics to determine the level of variables and Pearson correlation to determine the relationship between the independent and dependent variables.
Findings revealed that the features of the DepEd Provident Fund Loan Program were generally rated positively by the respondents, particularly in terms of accessibility and transparency of loan processes. The results showed that the loan program features have significant relationships with financial stability, financial well-being, and financial capability of employees, while weaker relationships were observed in terms of debt level and workplace productivity. Based on the findings, it was concluded that the Provident Fund Loan Program contributes to improving the financial condition of DepEd personnel, although its effect on workplace productivity is indirect. It is recommended that the program be further enhanced through improved accessibility, streamlined processes, and the integration of financial literacy programs to maximize its benefits.

Provident Fund Loan Program, Financial Stability, Financial Capability, Financial Well-being, Workplace Productivity

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