Emergency fund accessibility and financial resilience of minimum wage earners: A localized analysis

This study investigates the relationship between Emergency Fund Accessibility and Financial Resilience among minimum wage earners in Barangay Lumangbayan, Calapan City. Utilizing a descriptive-correlational research design, the study examines how Fund accessibility to liquid reserves influences the dimensions of financial resilience, namely: economic resource factors, financial literacy, and financial inclusion. A total of 297 respondents were selected through simple random sampling from a population of 1,291 residents. Data were gathered using a validated, pre-designed questionnaire on a 4-point Likert scale and analyzed through weighted means, standard deviations, and Pearson’s Correlation Coefficient. The results reveal that emergency fund accessibility significantly and positively correlates with all three dimensions of financial resilience, with financial inclusion emerging as a critical factor in the respondents' ability to maintain stability. These findings suggest that while immediate access to funds is present, there is a moderate need for structural support to ensure long-term sustainability. Therefore, the study concludes with a Proposed Action Plan designed to bridge the gap between volatile income and financial security, providing a strategic framework for enhanced financial management among minimum wage earners.