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Junior Finance Executives - UM Digos College

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Junior Finance Executives - UM Digos College

The official page of Junior Finance Executives of UM Digos College chapter UMDC JFINEX OFFICIAL PAGE

28/10/2026

𝐇𝐚𝐩𝐩𝐲 𝐁𝐢𝐫𝐭𝐡𝐝𝐚𝐲 𝐭𝐨 𝐨𝐮𝐫 𝐕𝐏-𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠, 𝐉𝐨𝐧𝐚𝐡 𝐌𝐚𝐞 𝐁𝐚𝐫𝐠𝐚𝐧!🎉🧡

Today, we celebrate you, your heart for service, your steady dedication, and that bright spirit that lights up our whole JFINEX family. We are so grateful for your hard work, care, and commitment you bring to every task you take on. 🤍

As you step into this new year of life, may every day be filled with joy, good health, and wonderful surprises. May all your heartfelt dreams grow closer to reality, and may every effort you pour out be rewarded with success and blessings. Continue to shine bright and stay amazing.🥳🎈

With warmest wishes,
𝐘𝐨𝐮𝐫 𝐉𝐅𝐈𝐍𝐄𝐗 𝐅𝐚𝐦𝐢𝐥𝐲 🧡

23/10/2026

𝐉𝐅𝐈𝐍𝐄𝐗 | 𝐅𝐈𝐍𝐒𝐩𝐢𝐫𝐞 𝐂𝐚𝐫𝐚𝐯𝐚𝐧: 𝐄𝐦𝐩𝐨𝐰𝐞𝐫𝐢𝐧𝐠 𝐘𝐨𝐮𝐭𝐡 𝐓𝐡𝐫𝐨𝐮𝐠𝐡 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐋𝐢𝐭𝐞𝐫𝐚𝐜𝐲

The Junior Finance Executives (JFINEX) of the UM Digos College conducted its very first Financial School Caravan, aiming to promote financial literacy among the youth and equip them with essential knowledge and skills for responsible financial management.

The caravan was held on 𝐎𝐜𝐭𝐨𝐛𝐞𝐫 𝟐𝟑, 𝟐𝟎𝟐𝟔, 𝐟𝐫𝐨𝐦 𝟗:𝟑𝟎 𝐀𝐌 𝐭𝐨 𝟏𝟐:𝟎𝟎 𝐍𝐍 𝐚𝐭 𝐒𝐨𝐮𝐭𝐡𝐞𝐚𝐬𝐭𝐞𝐫𝐧 𝐂𝐨𝐥𝐥𝐞𝐠𝐞 𝐨𝐟 𝐏𝐚𝐝𝐚𝐝𝐚, with the theme “𝑭𝑰𝑵𝑺𝒑𝒊𝒓𝒆 𝑪𝒂𝒓𝒂𝒗𝒂𝒏: 𝑬𝒎𝒑𝒐𝒘𝒆𝒓𝒊𝒏𝒈 𝒀𝒐𝒖𝒕𝒉 𝑻𝒉𝒓𝒐𝒖𝒈𝒉 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑳𝒊𝒕𝒆𝒓𝒂𝒄𝒚.”

This initiative aims to empower students to develop healthy financial habits, make informed financial decisions, and become more responsible in managing their money. Through financial education, the youth can gain practical knowledge that will help them navigate everyday financial challenges and build a stronger foundation for their future.

The event featured two insightful discussions from our guest speakers. 𝐌𝐬. 𝐂𝐡𝐚𝐰 𝐀. 𝐐𝐮𝐢𝐚𝐨 discussed “𝑩𝒖𝒊𝒍𝒅𝒊𝒏𝒈 𝒕𝒉𝒆 𝑭𝒐𝒖𝒏𝒅𝒂𝒕𝒊𝒐𝒏: 𝑴𝒊𝒏𝒅𝒔𝒆𝒕, 𝑩𝒖𝒅𝒈𝒆𝒕𝒊𝒏𝒈, 𝒂𝒏𝒅 𝑺𝒂𝒗𝒊𝒏𝒈 𝑩𝒂𝒔𝒊𝒄𝒔,” emphasizing the importance of developing a positive financial mindset, creating a budget, and establishing the habit of saving. Meanwhile, 𝐌𝐫. 𝐌𝐚𝐫𝐤 𝐉𝐨𝐯𝐞𝐥 𝐌. 𝐀𝐦𝐨𝐠 discussed “𝑷𝒓𝒐𝒕𝒆𝒄𝒕𝒊𝒏𝒈 𝒀𝒐𝒖𝒓 𝑷𝒓𝒐𝒈𝒓𝒆𝒔𝒔: 𝑴𝒂𝒏𝒂𝒈𝒊𝒏𝒈 ‘𝑼𝒕𝒂𝒏𝒈’ 𝒂𝒏𝒅 𝑨𝒗𝒐𝒊𝒅𝒊𝒏𝒈 𝑺𝒄𝒂𝒎𝒔,” highlighting responsible borrowing practices and ways to recognize and avoid financial scams.

The activity was attended by fourth-year Financial Management students under the Department of Business Administration, who were given the opportunity to deepen their financial knowledge and engage in meaningful discussions during the Q&A session.

JFINEX extends its sincere gratitude to 𝐌𝐬. 𝐂𝐡𝐚𝐰 𝐀. 𝐐𝐮𝐢𝐚𝐨 𝐚𝐧𝐝 𝐌𝐫. 𝐌𝐚𝐫𝐤 𝐉𝐨𝐯𝐞𝐥 𝐌. 𝐀𝐦𝐨𝐠 for sharing their valuable knowledge, expertise, and insights. Your contributions helped make this initiative a meaningful learning experience for the students.

We also express our heartfelt appreciation to 𝐒𝐨𝐮𝐭𝐡𝐞𝐚𝐬𝐭𝐞𝐫𝐧 𝐂𝐨𝐥𝐥𝐞𝐠𝐞 𝐨𝐟 𝐏𝐚𝐝𝐚𝐝𝐚 for welcoming JFINEX and allowing us to conduct this financial literacy initiative at your institution. To the students, thank you for your active participation, thoughtful questions, and enthusiasm during the Q&A session.

Lastly, we extend our gratitude to the 𝐉𝐅𝐈𝐍𝐄𝐗 𝐨𝐟𝐟𝐢𝐜𝐞𝐫𝐬 for their dedication, teamwork, and commitment in making this first Financial School Caravan possible. Your efforts reflect our shared commitment to promoting financial literacy and empowering the youth through financial education.

Together, let us inspire the next generation to make wiser financial choices and build a more financially responsible future.

15/10/2026

✨ 𝐄𝐱𝐜𝐞𝐥𝐥𝐞𝐧𝐜𝐞 𝐑𝐞𝐜𝐨𝐠𝐧𝐢𝐳𝐞𝐝, 𝐒𝐮𝐜𝐜𝐞𝐬𝐬 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐞𝐝!✨

A remarkable achievement worth celebrating! 🧡 The JFINEX family proudly congratulates 𝐉𝐨𝐫𝐠𝐞 𝐃𝐨𝐯𝐚𝐧 𝐓. 𝐋𝐞𝐫𝐢𝐨 and 𝐈𝐯𝐲 𝐉𝐚𝐧𝐞 𝐑. 𝐒𝐞𝐝𝐞𝐫𝐨, our two outstanding members who successfully passed the 𝐀𝐮𝐠𝐮𝐬𝐭 𝟐𝟎𝟐𝟔 𝐂𝐢𝐯𝐢𝐥 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 𝐄𝐱𝐚𝐦𝐢𝐧𝐚𝐭𝐢𝐨𝐧!🏆

Their success stands as a testament to the power of perseverance, discipline, and dedication. Beyond this significant milestone, their achievement serves as an inspiration to fellow JFINEX members, proving that every step taken with determination brings us closer to greater opportunities and brighter futures.

The entire JFINEX family celebrates this well-deserved success! 🧡 May this accomplishment open doors to new possibilities and inspire you to continue striving for excellence. You have brought pride and honor to JFINEX and the 𝐁𝐒𝐁𝐀 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 community. Here's to more milestones, greater achievements, and a future filled with success! ✨🎉

14/10/2026

Part II

14/10/2026

CAPTURING A MILESTONE, CELEBRATING PARTNERSHIPS!

A look back at a meaningful milestone for the UM Digos College as the Financial Literacy and Learning Center (FLLC) officially launches, accompanied by the signing of the Memorandum of Agreement (MOA).

This milestone reflects the power of collaboration between the academe, industry, and government in creating opportunities to strengthen financial knowledge and promote responsible financial management.

JFINEX proudly recognizes the valuable participation of our industry partners in making this initiative a step forward for financial education and community engagement.

Here’s to meaningful partnerships and a future where financial knowledge creates lasting impact!

11/10/2026

𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐔𝐧𝐩𝐚𝐜𝐤𝐞𝐝: 𝐄𝐱𝐩𝐥𝐨𝐫𝐢𝐧𝐠 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 𝐁𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐂𝐡𝐨𝐢𝐜𝐞𝐬‼️✨

𝐂𝐡𝐫𝐢𝐬𝐞𝐭𝐞𝐧𝐞 𝐌𝐚𝐞 𝐀. 𝐌𝐚𝐝𝐚𝐠𝐚𝐭, 𝐗𝐲𝐩𝐡𝐢 𝐊𝐚𝐫𝐲𝐥𝐥 𝐑. 𝐓𝐢𝐨𝐧𝐠𝐜𝐨, and 𝐆𝐞𝐫𝐭𝐫𝐮𝐝𝐞 𝐏. 𝐂𝐫𝐢𝐬𝐩𝐨, together with their research adviser, 𝐊𝐚𝐭𝐡𝐥𝐞𝐧𝐞 𝐌𝐚𝐞 𝐆. 𝐌𝐚𝐧𝐮𝐥𝐚𝐭, 𝐌𝐁𝐀, celebrate a significant academic milestone with the publication of their research in the 𝘼𝙢𝙚𝙧𝙞𝙘𝙖𝙣 𝙅𝙤𝙪𝙧𝙣𝙖𝙡 𝙤𝙛 𝙀𝙘𝙤𝙣𝙤𝙢𝙞𝙘𝙨 𝙖𝙣𝙙 𝘽𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙄𝙣𝙣𝙤𝙫𝙖𝙩𝙞𝙤𝙣 (𝘼𝙅𝙀𝘽𝙄), 𝙑𝙤𝙡𝙪𝙢𝙚 5, 𝙄𝙨𝙨𝙪𝙚 3 (𝙊𝙘𝙩𝙤𝙗𝙚𝙧 2026). 📖

Their study, “𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐫𝐞𝐟𝐞𝐫𝐞𝐧𝐜𝐞𝐬 𝐀𝐦𝐨𝐧𝐠 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 𝐌𝐞𝐦𝐛𝐞𝐫𝐬 𝐢𝐧 𝐃𝐢𝐠𝐨𝐬 𝐂𝐢𝐭𝐲: 𝐀 𝐂𝐨𝐧𝐣𝐨𝐢𝐧𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬,” examines the factors that shape community members’ preferences when choosing digital lending services. Through conjoint analysis, the research explores how different lending features influence individuals’ choices, offering insights into the considerations that matter when accessing credit through digital platforms. 📱💳📊

This achievement reflects the researchers’ dedication to examining financial practices that continue to evolve alongside digital technology. As students of the 𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐢𝐭𝐲 𝐨𝐟 𝐌𝐢𝐧𝐝𝐚𝐧𝐚𝐨 – 𝐃𝐢𝐠𝐨𝐬 𝐂𝐨𝐥𝐥𝐞𝐠𝐞, their work adds to the discussion on digital financial services and provides a closer look at borrowing preferences within the local community. 🌱✨

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬, 𝐫𝐞𝐬𝐞𝐚𝐫𝐜𝐡𝐞𝐫𝐬! May this publication serve as another step toward meaningful academic contributions that deepen our understanding of financial decision-making and its impact on the community. 📚✨

DOI:
https://doi.org/10.54536/ajebi.v5i3.8636

Journal:
https://journals.e-palli.com/home/index.php/ajebi

Article:
https://journals.e-palli.com/home/index.php/ajebi/article/view/8636

09/10/2026

𝐁𝐞𝐲𝐨𝐧𝐝 𝐂𝐚𝐬𝐡𝐥𝐞𝐬𝐬 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬: 𝐔𝐧𝐜𝐨𝐯𝐞𝐫𝐢𝐧𝐠 𝐭𝐡𝐞 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬 𝐨𝐟 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐀𝐝𝐨𝐩𝐭𝐢𝐨𝐧 📱💳

A significant milestone in academic research has been achieved by 𝐂𝐥𝐚𝐢𝐫𝐞 𝐉𝐨𝐲 𝐁. 𝐃𝐞𝐥𝐢𝐦𝐚, 𝐀𝐥𝐭𝐡𝐞𝐚 𝐉𝐞𝐧𝐞𝐧 𝐄. 𝐏𝐞𝐜𝐮𝐧𝐝𝐨, and 𝐉𝐡𝐚𝐧𝐧𝐞𝐧 𝐌𝐚𝐞 𝐓. 𝐂𝐚𝐛𝐚𝐡𝐮𝐠, together with their research adviser, 𝐊𝐚𝐭𝐡𝐥𝐞𝐧𝐞 𝐌𝐚𝐞 𝐆. 𝐌𝐚𝐧𝐮𝐥𝐚𝐭, 𝐌𝐁𝐀. Their research has been published in the 𝘼𝙢𝙚𝙧𝙞𝙘𝙖𝙣 𝙅𝙤𝙪𝙧𝙣𝙖𝙡 𝙤𝙛 𝘽𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙖𝙣𝙙 𝙈𝙖𝙣𝙖𝙜𝙚𝙢𝙚𝙣𝙩 𝙄𝙣𝙣𝙤𝙫𝙖𝙩𝙞𝙤𝙣 (𝘼𝙅𝘽𝙈𝙄), 𝙑𝙤𝙡𝙪𝙢𝙚 1, 𝙄𝙨𝙨𝙪𝙚 1 (𝙊𝙘𝙩𝙤𝙗𝙚𝙧 2026). 🏆📚

Their study, “𝐄𝐱𝐩𝐥𝐨𝐫𝐢𝐧𝐠 𝐭𝐡𝐞 𝐁𝐚𝐫𝐫𝐢𝐞𝐫𝐬 𝐨𝐟 𝐍𝐨𝐧-𝐅𝐮𝐥𝐥 𝐀𝐝𝐨𝐩𝐭𝐢𝐨𝐧 𝐨𝐟 𝐂𝐚𝐬𝐡𝐥𝐞𝐬𝐬 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐦𝐨𝐧𝐠 𝐑𝐞𝐭𝐚𝐢𝐥 𝐒𝐭𝐨𝐫𝐞𝐬 𝐢𝐧 𝐃𝐢𝐠𝐨𝐬 𝐂𝐢𝐭𝐲: 𝐀𝐧 𝐄𝐱𝐩𝐥𝐨𝐫𝐚𝐭𝐨𝐫𝐲 𝐅𝐚𝐜𝐭𝐨𝐫 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬” examines the factors that hinder retail stores in Digos City from fully embracing cashless payment methods. Through exploratory factor analysis, the research aims to identify the challenges associated with adopting digital payment systems and provide a better understanding of the concerns that may affect their use in local businesses. 💳📊

This accomplishment reflects the researchers’ commitment to academic excellence and their efforts to address relevant challenges in the business community. As students of the 𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐢𝐭𝐲 𝐨𝐟 𝐌𝐢𝐧𝐝𝐚𝐧𝐚𝐨 – 𝐃𝐢𝐠𝐨𝐬 𝐂𝐨𝐥𝐥𝐞𝐠𝐞, their study contributes to a better understanding of cashless payment adoption among local retail stores and the factors influencing its use. 💳✨
𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬, 𝐫𝐞𝐬𝐞𝐚𝐫𝐜𝐡𝐞𝐫𝐬! May this achievement encourage you to pursue further discoveries and continue creating meaningful contributions through research. 📚🧡✨

DOI:
https://doi.org/10.54536/ajbmi.v1i1.8669

Journal:
https://journals.e-palli.com/home/index.php/ajbmi/article/view/8669/4200

Article:
https://journals.e-palli.com/home/index.php/ajbmi/article/view/8669

08/10/2026

🏆 𝐖𝐄 𝐂𝐀𝐌𝐄. 𝐖𝐄 𝐂𝐎𝐌𝐏𝐄𝐓𝐄𝐃. 𝐀𝐍𝐃 𝐖𝐄 𝐂𝐎𝐍𝐐𝐔𝐄𝐑𝐄𝐃! 🔥

Congratulations to 𝐉𝐅𝐈𝐍𝐄𝐗 for being crowned the 𝐎𝐕𝐄𝐑𝐀𝐋𝐋 𝐂𝐇𝐀𝐌𝐏𝐈𝐎𝐍 of this year’s Mini Olympics!

Held at the 𝐔𝐌 𝐃𝐢𝐠𝐨𝐬 𝐂𝐨𝐥𝐥𝐞𝐠𝐞 𝐨𝐧 𝐎𝐜𝐭𝐨𝐛𝐞𝐫 𝟓, 𝟐𝟎𝟐𝟔, this year’s Mini Olympics, with the theme“𝑩𝒍𝒂𝒛𝒊𝒏𝒈 𝒕𝒉𝒆 𝑳𝒆𝒈𝒂𝒄𝒚 𝒐𝒇 𝑪𝒐𝒖𝒓𝒂𝒈𝒆, 𝑳𝒆𝒂𝒅, 𝒂𝒏𝒅 𝑹𝒊𝒔𝒆 𝒂𝒔 𝑶𝒏𝒆”, brought together students in a celebration of talent, sportsmanship, teamwork, and school spirit.

This achievement reflects the dedication, teamwork, talent, and determination of everyone who proudly represented Financial Management. Every effort, challenge, and moment of giving our best contributed to this well-deserved victory.

A heartfelt thank you to everyone who made this achievement possible:

𝐓𝐨 𝐨𝐮𝐫 𝐉𝐅𝐈𝐍𝐄𝐗 𝐅𝐚𝐜𝐮𝐥𝐭𝐲, thank you for your guidance, encouragement, and continuous support. Your trust and presence made this journey even more meaningful.

𝐓𝐨 𝐨𝐮𝐫 𝐉𝐅𝐈𝐍𝐄𝐗 𝐎𝐟𝐟𝐢𝐜𝐞𝐫𝐬, thank you for your leadership, hard work, preparation, and commitment behind every event. Your efforts helped bring everyone together and kept us moving forward.

𝐓𝐨 𝐨𝐮𝐫 𝐏𝐚𝐫𝐭𝐢𝐜𝐢𝐩𝐚𝐧𝐭𝐬, thank you for giving your time, talent, effort, and heart in representing JFINEX in various competitions, from 𝐋𝐢𝐭𝐞𝐫𝐚𝐫𝐲 𝐄𝐯𝐞𝐧𝐭𝐬, 𝐒𝐨𝐜𝐢𝐨-𝐂𝐮𝐥𝐭𝐮𝐫𝐚𝐥 𝐄𝐯𝐞𝐧𝐭𝐬, 𝐒𝐩𝐨𝐫𝐭𝐬 𝐀𝐭𝐡𝐥𝐞𝐭𝐞𝐬, 𝐚𝐧𝐝 𝐄-𝐬𝐩𝐨𝐫𝐭𝐬. You stepped up, gave your best, and proudly carried the name of our organization. We are incredibly proud of you!

To our Members, thank you for the cheers, support, encouragement, and presence throughout the competition. Every form of support mattered and helped fuel our participants along the way.

This victory is not just for those who completed—it is a victory for 𝐚𝐥𝐥 𝐨𝐟 𝐉𝐅𝐈𝐍𝐄𝐗.. Together, we showed the strength of our organization and what we can achieve when we stand as one.

Once again, 𝐂𝐎𝐍𝐆𝐑𝐀𝐓𝐔𝐋𝐀𝐓𝐈𝐎𝐍𝐒, 𝐉𝐅𝐈𝐍𝐄𝐗!🧡

08/10/2026

✨ 𝙈𝙄𝙉𝙄 𝙊𝙇𝙔𝙈𝙋𝙄𝘾 2026: 𝙀𝙐𝙋𝙃𝙊𝙍𝙄𝘼 ✨

The spirit of 𝙀𝙐𝙋𝙃𝙊𝙍𝙄𝘼 came alive as students gathered to compete, cheer, and celebrate sportsmanship, teamwork, and unity. Held on October 5, 2026 the 𝙈𝙞𝙣𝙞 𝙊𝙡𝙮𝙢𝙥𝙞𝙘 2026: 𝙀𝙪𝙥𝙝𝙤𝙧𝙞𝙖, with the theme "𝘼𝙇𝘼𝘽: 𝘽𝙡𝙖𝙯𝙞𝙣𝙜 𝙇𝙚𝙜𝙖𝙘𝙮 𝙤𝙛 𝘾𝙤𝙪𝙧𝙖𝙜𝙚, 𝙇𝙚𝙖𝙙 𝙖𝙣𝙙 𝙍𝙞𝙨𝙚 𝙖𝙨 𝙊𝙣𝙚", brought everyone together in a celebration filled with passion, energy, determination, and camaraderie. 🏆✨

More than just a competition, the event became a platform for students to showcase their skills, challenge their limits, and embrace the true spirit of sportsmanship. Every game, cheer, victory, and challenge reflected the courage to compete, the strength to lead, and the power to rise together as one. 🔥💪

Through 𝙀𝙐𝙋𝙃𝙊𝙍𝙄𝘼, the Mini Olympic created unforgettable moments and strengthened the bonds among participants. It reminded everyone that the greatest victory is not only found in winning, but also in the friendships formed, lessons learned, and memories created throughout the journey. 🤝🏅

𝘼 𝙘𝙚𝙡𝙚𝙗𝙧𝙖𝙩𝙞𝙤𝙣 𝙤𝙛 𝙥𝙖𝙨𝙨𝙞𝙤𝙣, 𝙘𝙤𝙪𝙧𝙖𝙜𝙚, 𝙘𝙖𝙢𝙖𝙧𝙖𝙙𝙚𝙧𝙞𝙚, 𝙖𝙣𝙙 𝙩𝙝𝙚 𝙗𝙡𝙖𝙯𝙞𝙣𝙜 𝙨𝙥𝙞𝙧𝙞𝙩 𝙩𝙤 𝙧𝙞𝙨𝙚 𝙖𝙨 𝙤𝙣𝙚.🔥✨

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