5 Best Thesis Topics on CMEPA, Banking, and Capital Markets

Source: GMA News Online

Let me convince you to make this a thesis.

Imagine you saved for years, believing that keeping your money in the bank was the safest way to grow it. You trusted that long-term deposits meant better rewards and fewer taxes. Then, one law changed everything. Suddenly, even your long-term savings—once tax-free—are now taxed at the same rate as short-term deposits. What you thought was a privilege for planners and savers is now gone.

This is the hidden problem: a tax reform that claims to promote fairness might actually deepen inequality. The Capital Markets Efficiency Promotion Act (CMEPA) was meant to simplify taxes, but it also erased benefits for those who invested long-term. Ordinary savers still pay the same tax rate as the wealthy. Worse, most Filipinos don’t even have savings. This is not just a financial issue—it is a social one. It questions how fair our tax system really is.

Who Can Use These Topics

This research is ideal for students and professionals pursuing the following courses or strands:

College Programs:

• Economics

• Banking and Finance

• Business Administration

• Public Administration

• Political Science

Senior High School Strands:

• HUMSS

• GAS

• ABM

5 Thesis Topic Ideas

1.Impact of the CMEPA 20% Tax on Long-Term Savings

on Deposit Behavior

This study examines how the removal of tax exemptions for long-term deposits affects the savings decisions of ordinary bank depositors.

Target Respondents

• Bank customers with existing time deposits

• Individuals with savings accounts

• Bank managers and financial advisors

2.Perceived Fairness of the CMEPA Tax Reform Among Low- and High-Income Earners

This research explores whether Filipinos see the standardized tax as equitable or regressive, highlighting differences in perception across income brackets.

Target Respondents

• Minimum wage earners

• Middle-income professionals

• High-net-worth individuals

3.CMEPA and Its Influence on Participation in Capital Markets

This study investigates whether lower stock transaction taxes under CMEPA encourage more Filipinos to invest in the stock market.

Target Respondents

• First-time investors

• Existing retail investors

• Stockbrokers and financial planners

4.Financial Literacy and Awareness of CMEPA Among Ordinary Filipino Savers

This research assesses how well ordinary Filipinos understand the new law and whether misinformation affects their trust in the banking system.

Target Respondents

• Public and private employees

• Students with bank accounts

• Community organizations

5.CMEPA’s Effect on the Perceived Accessibility of Wealth-Building Opportunities

This study looks into whether the tax reform empowers ordinary savers or reinforces the gap between the rich and poor.

Target Respondents

• Families with low disposable income

• Middle-class savers

• Economists and tax experts

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