Catacutan, K. J., and F. R.-A. . Maramag. “Financial Management Practices of Instructors of Catholic Higher Education Institutions in The Cagayan Valley Region: Basis for Financial Wellness Program”. Education Policy and Development, vol. 3, no. 1, Mar. 2025, pp. 1-15, doi:10.31098/epd.v3i1.3029.