FSUU Junior Finance Executives

FSUU Junior Finance Executives FSUU Junior Finance Executives is officially recognized as a legitimate member of Junior Confederation of Finance Associations-Philippines (JCFAP).
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This page is mainly for updates and events to happen in the future, as well as course-related information.

17/07/2026

We the FM 42 students presents: Credit 101 Episode 1 "Nganong Mangutang?"

Thinking of borrowing? Review the terms, check your credit score, and plan your repayment. Borrow responsibly for long-term stability.

"Importante: mangutang lang kung klaro ang plano sa pagbayad."


17/07/2026

FMPMC 412: CREDIT AND COLLECTION

We the Fm 41 students present CREDIT 101 Episode 1: (Asa/Kang Kinsa Mangutang)?๐Ÿ’ฐ

Have you ever wondered where people usually borrow money when they need financial help? Is it from banks, lending companies, cooperatives, online lending apps, or simply from family and friends?

In this informative video, we asked different people one simple question:
"Asa o kang kinsa ka mangutang?" Through their honest responses, we explore the most common sources of borrowing and the reasons behind their choices.

What you'll discover:

๐Ÿ’ณ The most common places where people borrow money

๐Ÿ“š The importance of choosing the right source of credit and borrowing responsibly

Understanding where people borrow money is the first step toward making informed financial decisions and promoting responsible credit management.

Watch, learn, and discover the realities behind every loan.

17/07/2026

Credit & Collection Management
FM 42 Group 3 & 4 Credit 101 Episode 1 Presents: Kasagarang rason nganong dili makabayad ug utang.

Life is unpredictable, and financial setbacks can happen to anyone. Loss of income, unexpected emergencies, poor budgeting, or too much debt can make repayment difficult.

Apan, pinaagi sa maayong financial planning, responsible borrowing, ug pag-prioritize sa atong obligations, we can avoid falling into unnecessary debt.

A loan should solve a problemโ€”not create a bigger one. ๐Ÿ’›

17/07/2026

FMPMC 412: CREDIT AND COLLECTION
The FM41 students presents CREDIT:101 โ€œSa Likod Ng Bawat Utangโ€ will answer the question โ€œKasagarang rason nganong dili makabayad?โ€

We often view debt as a personal failure of discipline. But if we look closer at the economics, the reality is far more complex.
In this video, we break down the primary driver behind default rates and why so many borrowers find themselves trapped in a cycle they canโ€™t escape.
The Real Culprits:

1. Income Volatility - A sudden drop in household income is the #1 predictor of loan default.

2. Lack of Emergency Reserves - Over 50% of adults don't have enough savings to cover a PHP5,000 emergency, forcing them to rely on high-interest credit.

3. The Compounding Trap - When minimum payments barely cover the interest, debt becomes a permanent line item in a budget.

Understanding โ€œWHYโ€ this happens is the first step toward building better financial safety netsโ€”both individually and systemically.

17/07/2026

FMPMC 412: CREDIT AND COLLECTION
The FM 41, presents CREDIT 101: "Nganong Mangutang?" ๐Ÿ’ฐ

Every debt has a story.
โ€œNganong Mangutang? โ€œ
โ€œNganong Mangutang Ka?โ€

In this video, we explore the meaning of debt, the reasons why people borrow, and the real-life experiences of individuals who shared their personal journeys with us. Through honest conversations and street interviews, we uncover the challenges, choices, and lessons behind every financial decision.
Watch, reflect, and discover the stories behind the numbers.

โ€œAng utang dili sukod sa imong kapakyasan, kundili usahay resulta sa mga pagsulay sa kinabuhi. Ang importante, adunay paningkamot ug integridad sa pagbayad.โ€

๐Ÿ’ก ๐ƒ๐ข๐ ๐˜๐จ๐ฎ ๐Š๐ง๐จ๐ฐ?Two investments can have the same price but generate different amounts of income. That's where yield come...
12/07/2026

๐Ÿ’ก ๐ƒ๐ข๐ ๐˜๐จ๐ฎ ๐Š๐ง๐จ๐ฐ?
Two investments can have the same price but generate different amounts of income. That's where yield comes in, it helps investors measure how much income an investment earns relative to its value.

๐Ÿ“˜ ๐…๐ˆ๐๐–๐Ž๐‘๐ƒ ๐Ž๐… ๐“๐‡๐„ ๐–๐„๐„๐Š | ๐’€๐‘ฐ๐‘ฌ๐‘ณ๐‘ซ
Yield refers to the income earned from an investment, such as the interest or dividends received from holding a particular security. Understanding yield helps investors compare investment opportunities and make more informed financial decisions.

๐Ÿ“– "Yield is defined as an income-only return on investment (it excludes capital gains) calculated by taking dividends, coupons, or net income and dividing them by the value of the investment, expressed as an annual percentage."
- Vipond (2020)

Stay informed and expand your financial vocabulary one finance term at a time.

Reference:

Vipond, T. (2020). Yield. https://corporatefinanceinstitute.com/resources/fixed-income/yield-definition-formula/

๐ŸŽ‰ ๐‡๐š๐ฉ๐ฉ๐ฒ ๐๐ข๐ซ๐ญ๐ก๐๐š๐ฒ, ๐Œ๐ซ. ๐•๐ข๐ง๐œ๐ž ๐‡๐š๐ซ๐ฏ๐ž๐ฒ ๐„. ๐‹๐ฅ๐จ๐ซ๐ข๐ญ๐จ! ๐ŸŽ‚๐Ÿ’™๐Ÿ’›On this special day, the ๐…๐’๐”๐” ๐‰๐ฎ๐ง๐ข๐จ๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐„๐ฑ๐ž๐œ๐ฎ๐ญ๐ข๐ฏ๐ž๐ฌ extend our war...
12/07/2026

๐ŸŽ‰ ๐‡๐š๐ฉ๐ฉ๐ฒ ๐๐ข๐ซ๐ญ๐ก๐๐š๐ฒ, ๐Œ๐ซ. ๐•๐ข๐ง๐œ๐ž ๐‡๐š๐ซ๐ฏ๐ž๐ฒ ๐„. ๐‹๐ฅ๐จ๐ซ๐ข๐ญ๐จ! ๐ŸŽ‚๐Ÿ’™๐Ÿ’›

On this special day, the ๐…๐’๐”๐” ๐‰๐ฎ๐ง๐ข๐จ๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐„๐ฑ๐ž๐œ๐ฎ๐ญ๐ข๐ฏ๐ž๐ฌ extend our warmest birthday greetings to our dedicated Finance Instructor, ๐Œ๐ซ. ๐•๐ข๐ง๐œ๐ž ๐‡๐š๐ซ๐ฏ๐ž๐ฒ ๐„. ๐‹๐ฅ๐จ๐ซ๐ข๐ญ๐จ.

Your passion for teaching, commitment to excellence, and unwavering dedication to shaping future finance professionals continue to inspire us to strive for greater heights. Your guidance has left a lasting impact on many students, empowering them with knowledge, confidence, and the values needed to succeed both inside and outside the classroom.

Once again, Happy Birthday, Sir Vince! May your day be filled with joy, laughter, and the love of those who matter most. Wishing you nothing but the very best in the year ahead!

Greetings from your FSUU Junior Finance Executives Family. ๐Ÿ’™๐Ÿ’›๐ŸŽ‰

๐‘ฌ๐’—๐’†๐’“๐’š ๐’‹๐’๐’–๐’“๐’๐’†๐’š ๐’”๐’•๐’‚๐’“๐’•๐’” ๐’˜๐’Š๐’•๐’‰ ๐’‚ ๐’“๐’†๐’‚๐’”๐’๐’ ๐Ÿ’™๐Ÿ’›As Enrollment is still on going and on its final stretch, choosing ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘ด๐’‚๐’๐’‚๐’ˆ๐’†...
06/07/2026

๐‘ฌ๐’—๐’†๐’“๐’š ๐’‹๐’๐’–๐’“๐’๐’†๐’š ๐’”๐’•๐’‚๐’“๐’•๐’” ๐’˜๐’Š๐’•๐’‰ ๐’‚ ๐’“๐’†๐’‚๐’”๐’๐’ ๐Ÿ’™๐Ÿ’›
As Enrollment is still on going and on its final stretch, choosing ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘ด๐’‚๐’๐’‚๐’ˆ๐’†๐’Ž๐’†๐’๐’• is more than just selecting a degree, it's choosing a path filled with opportunities, growth, and purpose.

Now it's your turn! ๐Ÿ‘‡
Why did YOU choose Financial Management? โœจ

Share your story in the comments. Whether it's your passion for business, dream career, love for numbers, or the people who inspired you we'd love to hear it!

In finance, ๐‹๐ˆ๐๐”๐ˆ๐ƒ๐ˆ๐“๐˜ refers to how quickly an asset can be converted into cash without significantly affecting its valu...
05/07/2026

In finance, ๐‹๐ˆ๐๐”๐ˆ๐ƒ๐ˆ๐“๐˜ refers to how quickly an asset can be converted into cash without significantly affecting its value. It also reflects an individual's or business's ability to meet short-term financial obligations as they become due.

Understanding liquidity is essential for making sound financial decisions whether you're managing personal finances, evaluating investments, or analyzing a company's financial health.

๐Ÿ’ก Finance is not just about making money it's about managing it wisely.

Stay tuned every week as we introduce key financial terms to strengthen your financial knowledge, one FINWORD at a time!

Reference:

Corporate Finance Institute. (2020). Liquidity. https://corporatefinanceinstitute.com/resources/accounting/liquidity/

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