Resilience, behavioral economics, literacy, challenges, financial stability 

Despite their crucial role in maintaining public safety and security, many Philippine National Police (PNP) personnel face financial challenges that may hinder their overall wellbeing and job performance. The problem lies in the lack of adequate financial resilience among PNP personnel, which can lead to financial stress, inadequate financial planning, and potential negative implications for their job satisfaction and effectiveness as law enforcement officers. Additionally, behavioral biases and psychological factors may influence their financial behaviors, further impacting their financial well-being. Therefore, the study sought to assess the financial management behavior among Manila Police District uniformed personnel basis for financial resilience.

The study reveals a direct correlation between the financial literacy level and the personal budget, savings consciousness, investment opportunities, and retirement plans of MPD Police Commissioned Officers (PCOs) and Police Non-Commissioned Officers (PNCOs). The findings underscore that the heightened financial literacy contributes to greater financial resilience and stability as they approach retirement, aligning with the research conducted by Mandell (2009); the financial behavior of MPD personnel, with regard to personal savings, budgeting, investing, and preparation for retirement, significantly shapes their mindset in financial management practices. This study underscores that the level of financial literacy directly influences their financial resilience and stability as retirement approaches, aligning with the insights from Thaler’s (2015) study don behavioral economics; Financial resilience is an essential element in the well-being of MPD personnel. Police officers who are financially resilient are able to face financial challenges and overcome shock or emergencies and cope up with the situation, that too much spending habits of Manila Police District uniformed personnel will incur to debt affecting their financial stability and quality of life; and a proposed action plan is prepared by the proponents to enhance the financial management literacy and behavior of Manila Police District.

Based on the findings and conclusions, the following recommendations are herby presented: the PNP personnel must set a personal financial calendar plan of activities in order to monitor their way of expenses, how to budget their salary, and on how to invest in a business for their own future. They should need to continually re-examined their financial status, the PNP personnel need to consider the proper way on how to spend their money accordingly in order to avoid any financial mistakes and need to know how much is going out; there is a need to promote the concept of financial management practices among MPD uniformed personnel to ensure that they will be able to spend their money carefully up to their retirement and the proponents strongly recommend the adoption of proposed action plan to ensure the financial well-being of MPD uniformed personnel and able to spend their money carefully up to their retirement.