Privacy Matters: Perceptions of Lipa City Legal Management Students on Lending Applications Data Practices
Patrick Garing, Hasel Mendoza, Vittorio Opena, Christine Ramos,
John Vincent M. Agojo
https://orcid.org/0009-0002-3177-68161, https://orcid.org/0009-0002-9090-89892,
https://orcid.org/0009-0006-2138-88003, https://orcid.org/0009-0003-2977-22904,
https://orcid.org/0009-0001-3505-63335
garingpatrick454@gmail.com1, haselkay@gmail.com2, opena.vittoriocarlos@gmail.com3
cpramos1427@gmail.com4, johnvincent.agojo@ub.edu.ph5
University of Batangas, Lipa City
Gov. Feliciano Leviste Road, Lipa City, Philippines
DOI: https://doi.org/10.54476/ioer-imrj/893006
ABSTRACT
This study, Privacy Matters: Perceptions of Lipa City Legal Management Students on Lending Applications Data Practices, examined students’ perceptions of data privacy practices and their willingness to use online lending applications despite reported cases of unfair debt collection. A descriptive mixed-methods research design was employed, utilizing survey questionnaires distributed to Legal Management students in Lipa City. Data were analyzed using frequency, percentage, weighted mean, and standard deviation. Major findings reveal that the most well-known lending application among respondents is JuanHand (56%). Students generally agree that clear data privacy policies, consent-based data collection, and strong security measures influence their willingness to use lending apps. However, they remain concerned about privacy risks, such as fraud, impersonation, and unethical data practices. Despite these concerns, convenience factors—such as fast loan processing and minimal documentation—drive continued usage. Respondents also expressed distrust toward intrusive debt collection practices and emphasized the need for respectful and transparent methods. The study finds Legal Management students are aware of data privacy and prefer ethical apps, but financial needs often outweigh privacy concerns. It highlights the need for financial literacy and strong privacy safeguards to aid informed decisions and reduce digital lending risks.
Keywords: Privacy, Legal Management, Online Lending Apps, Data Practices, Debt Collection
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