Financial Challenges of Families in Contemporary Philippines: Narratives from the Recipients of the Pantawid Pamilyang Pilipino (4Ps) Program

This study examines the financial challenges experienced by families in the Philippines, focusing on the recipients of the Pantawid Pamilyang Pilipino Program (4Ps). Using a qualitative research design, data were collected from three Grade 11 students who are 4Ps beneficiaries, along with in-depth interviews from their parents. The study aims to identify the primary financial difficulties faced by these families, their impact on education and daily life, and the extent to which the 4Ps program helps alleviate these struggles. Thematic analysis was used to analyze the qualitative responses. The findings reveal recurring themes, such as financial instability, limited income sources, and difficulties in providing for children's education. This study provides valuable insights into the effectiveness of the 4Ps program and highlights areas for improvement in social welfare policies aimed at supporting families living below the poverty line in the Philippines.