Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
TWENTIETH CONGRESS 
First Regular Session 
House Bill No. __________ 
Introduced by Representative Jose Manuel F. Alba 
AN ACT 
MANDATING THE CIVIL SERVICE COMMISSION AND OTHER RELEVANT 
AGENCIES TO PROVIDE A PERSONAL FINANCE EDUCATION PROGRAM 
FOR ALL STATE WORKERS, AMENDING THE ADMINISTRATIVE CODE, 
AS AMENDED 
Explanatory Note 
Reports have shown that poor money management skills result in poor 
financial decisions, desperation, and anxiety, leading to more debt and 
creating more stress-induced decision-making. In the workplace, it may lead 
to poor employee performance, increased absenteeism, and financial 
dissatisfaction, which may lead to corruption, and even trigger work and 
home related violence. 
Being financially educated, on the other hand, may improve rates of 
savings, lower levels of debt, increase rates of asset accumulation, and 
decrease the amount of stress. 
Specifically, financial education in the workplace may result in better 
employee satisfaction, higher confidence in retiring, increase in employee 
support, and less stress the workplace. 
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It is thus imperative for civil servants to acquire personal financial 
management skills that will lead to a more comfortable life, financial security, 
and economic stability. Not only does it benefit state workers and employees, 
but it will also improve and enhance the level and quality of public service. 
Accordingly, the Civil Service Commission and relevant agencies should 
be mandated to provide a financial literacy program for all government 
employees.  
It is important to note that this measure has been filed during the 19th 
Congress. 
In view of the foregoing, the immediate passage of this bill is earnestly 
sought. 
JOSE MANUEL F. ALBA 
Representative, 1st District, Bukidnon


1 
Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
TWENTIETH CONGRESS 
First Regular Session 
House Bill No. __________ 
Introduced by Representative Jose Manuel F. Alba 
AN ACT 
MANDATING THE CIVIL SERVICE COMMISSION AND OTHER RELEVANT 
AGENCIES TO PROVIDE A PERSONAL FINANCE EDUCATION PROGRAM 
FOR ALL STATE WORKERS, AMENDING THE ADMINISTRATIVE CODE, 
AS AMENDED 
Be it enacted by the Senate and House of Representatives of the 
Philippines in Congress assembled:  
SECTION 1. Short Title. – This Act shall be known as the “Finance 
Education for all State Workers”. 
SEC. 2. A provision under Book V, Title 1, Subtitle A, Section 34 of the 
Administrative Code of the Philippines, as amended, is hereby provided to 
read as follows: 
“SEC. 34. Responsibility for Training. – The 
Commission shall be responsible for the coordination and 
integration of a continuing program of personnel development 
for all government personnel in the first and second levels. 
Central staff agencies and specialized institutes shall conduct 
continuing centralized training for staff specialists from the 
different agencies. However, in those cases where there is 
sufficient number of participants to warrant training at 
department or agency or local government levels, such central 
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2 
 
staff agencies and specialized institutes shall render the 
necessary assistance, and consultative services. 
To avoid duplication of effort and overlapping of training 
junctions, the following functional responsibilities are 
assigned: 
 
xxx 
 
(5)  THE COMMISSION IN COORDINATION WITH THE 
BANKO SENTRAL NG PILIPINAS, AND THE 
NATIONAL 
ECONOMIC 
AND 
DEVELOPMENT 
AUTHORITY SHALL CREATE AND CONDUCT 
PERSONAL FINANCE EDUCATION PROGRAMS 
FOR ALL GOVERNMENT EMPLOYEES WHICH 
WILL INCLUDE: 
 
a. BEHAVIORAL FINANCE; 
 
b. SAVINGS, EMERGENCY AND RESILIENCE 
FUND DEVELOPMENT; 
 
c. DEBT MANAGEMENT; 
 
d. INVESTMENT, INSURANCE, AND 
RETIREMENT PLANNING; 
 
e. OTHER APPLICABLE PERSONAL FINANCE 
PROGRAMS; 
 
xxx" 
 
SEC. 3. Repealing Clause. – All laws, presidential decrees or 
issuances, executive orders, letters of instruction, administrative orders, 
rules or regulation inconsistent with the provisions of this Act are hereby 
repealed or modified accordingly. 
SEC. 4. Separability Clause. – Should any part of this Act be declared 
unconstitutional, the validity of remaining provision hereof shall remain in 
full and effect. 
SEC. 5. Effectivity Clause. – This Act shall take effect fifteen (15) days 
from its publication in a newspaper of general circulation. 
  
Approved,