Bainina P. Mantawil^1,, Bainorie A Mantawil¹, Harris M. Sinolinding¹, Ramlah A. Duge¹

The aim of this study was to examine the financial wellness, health well-being, and working conditions of teachers in the selected schools of two divisions in Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) for school year 2024-2025. This study utilized quantitative method for an understanding the issue. Initially, a survey was distributed to a large sample of teachers to quantitatively asses variables such as income status, saving and investment, financial literacy, job satisfaction, work environment. It was chosen due to its appropriateness in assessing how financial wellness, financial literacy and well-being impact teachers' work environment, employing survey tools and statistical techniques such as regression analysis to identify correlation. Results express that the work environment of teachers’ professional development is continuously tailored to address the evolving needs of their students they receive feedback and mentoring to enhance their professional growth and feel that the professional development activities are well-organized and meaningful. In terms of financial wellness parameters, financial literacy came out to be the best predictors of well-being. In conclusion, implementing these three targeted interventions—financial wellness support, enhancing the collaborative culture, and providing targeted professional development—will significantly improve teacher well-being. By addressing financial stress, fostering collaboration, and focusing on well-being in professional development, schools can create a more supportive and effective environment for teachers.

BARMM, Financial Wellness, Mental Health, Predictors, Professional Development, Teacher Well-Being, Work-Life Balance