Empowering Farmers and Fisher Folks: A study of Financial Literacy in Flora and Pudtol, Apayao

This study aimed to assess the level of financial literacy among farmers and fisher folks in the municipalities of Flora and Pudtol, Apayao. Through a survey questionnaire, data were gathered on demographic characteristics, financial knowledge, attitudes, and behaviors. The findings revealed that the respondents possessed a generally positive attitude towards financial matters, demonstrating a good understanding of basic financial concepts and practices. However, there were areas where further improvement was needed, particularly in terms of debt management and investment planning. The study recommends the implementation of targeted financial literacy programs, practical skills training, and increased access to financial services to enhance the financial well-being of the target population.