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Abstract
Knowledge of financial literacy, including Islamic financial literacy which has been widely used in various financial products, intersects with several domain areas in mathematical concepts, especially in basic arithmetic which requires students to perform basic calculations before making the right financial decisions. This research aims to develop an instructional design of social arithmetic learning using Math-based Islamic Financial Literacy (MIFL) framework for Islamic schools. We develop a Hypothetical Learning Trajectory (HLT) for fostering students' numeracy and Islamic Financial Literacy (IFL) skills by using MIFL framework that involves various Islamic financial problems as context in mathematics tasks. We chose design research as the method for accomplishing our objective. However, we will discuss about task design and a portion of one of the three major phases of design research, namely pilot experiments. We involved three experts to provide suggestions to improve the tasks and six students from an Islamic junior high school participated in this study. We designed three stages of learning activities. Identifying of math-based Islamic financial information, analyzing math-based Islamic financial context, and applying math-based Islamic financial knowledge and understanding for completing the tasks are the three activities. Results indicate that HLT can indeed assist students in acquiring fundamental arithmetic abilities and advance their IFL. To improve the learning trajectory, we added several sub-sections of activities that bridged the understanding of mathematics and IFL.
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References
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- Samo, D. D., Darhim, & Kartasasmita, B. G. (2018). Culture-based contextual learning to increase problem-solving ability of first year university student. Journal on Mathematics Education, 9(1), 81–94. http://dx.doi.org/10.22342/jme.9.1.4125.81-94
- Deputy of Economy Indonesian Ministry of National Development Planning. (2018). Indonesia Islamic Economic Masterplan 2019-2024. Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS)
- Doorman, L. M., & Gravemeijer, K. P. E. (1999). Context problems in Realistic Mathematics Education: A calculus course as an example. Educational Studies in Mathematics, 39(1-3), 111-129. https://doi.org/10.1023/A:1003749919816
- Estrada-Mejia, C., de Vries, M., & Zeelenberg, M. (2016). Numeracy and wealth. Journal of Economic Psychology, 54, 53-63. https://doi.org/10.1016/j.joep.2016.02.011
- Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2019). Ancient China history-based task to support students’ geometrical reasoning and mathematical literacy in learning Pythagoras. Journal of Physics: Conference Series, 1417(1), 012042. https://doi.org/10.1088/1742-6596/1417/1/012042
- Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2020a). Learning pythagorean theorem from ancient China: A preliminary study. Journal of Physics: Conference Series, 1470(1), 012018. https://doi.org/10.1088/1742-6596/1470/1/012018
- Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2020b). The shadow reckoning problem from ancient society as context for learning Trigonometry. Journal of Physics: Conference Series, 1538(1), 012098. https://doi.org/10.1088/1742-6596/1538/1/012098
- Fauzan, A., Armiati, A., & Ceria, C. (2018). A learning trajectory for teaching social arithmetic using RME approach. IOP Conference Series: Materials Science and Engineering, 335(1), 012121. https://doi.org/10.1088/1757-899X/335/1/012121
- Gravemeijer, K. (2004). Local instruction theories as means of support for teachers in reform mathematics education. Mathematical Thinking and Learning, 6(2), 105–128. https://doi.org/10.1207/s15327833mtl0602_3
- Hartmann, A. L. B., de Cássia Pistóia Mariani, R., & Maltempi, M. V. (2021). Financial education in high school: An analysis of didactic activities related to uniform periodic series from the point of view of critical mathematics education. Bolema - Mathematics Education Bulletin, 35(70), 567-587. https://doi.org/10.1590/1980-4415v35n70a02
- Jaelani, A., Putri, R. I. I., & Hartono, Y. (2013). Students’ strategies of measuring time using traditional gasing game in third grade of primary school. Journal on Mathematics Education, 4(1), 29-40. https://doi.org/10.22342/jme.4.1.560.29-40
- Kafabih, A. (2020). Literasi finansial pada tingkat sekolah dasar sebagai strategi pengembangan financial inclusion di Indonesia [Financial literacy at the elementary school level as a strategy for developing financial inclusion in Indonesia]. MUBTADI: Jurnal Pendidikan Ibtidaiyah, 2(1), 1-16. https://doi.org/10.19105/mubtadi.v2i1.3607
- Kusumawati, I. B., Fachrudin, A. D., Putri, R. I. I., Zulkardi, Z., Kohar, A. W., & Mubarok, M. K. (2021). Islamic financial literacy in mathematics education: A proposed framework.
- Kusumawati, I. B., Fachrudin, A. D., Putri, R. I. I., Zulkardi, Z., Widadah, S., & Mubarok, M. K. (2022). Islamic financial literacy in mathematics education: Proposed design for instruction. Proceedings of the Eighth Southeast Asia Design Research (SEA-DR) & the Second Science, Technology, Education, Arts, Culture, and Humanity (STEACH) International Conference (SEADR-STEACH 2021), 627. https://doi.org/10.2991/assehr.k.211229.021
- Laila, V., Hadi, S., & Subanji, S. (2019). Pelaksanaan pendidikan literasi finansial pada siswa sekolah dasar [Implementation of financial literacy education for elementary school students]. Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan, 4(11), 1491-1495. https://doi.org/10.17977/jptpp.v4i11.13016
- Mccormick, M. H. (2009). The effectiveness of youth financial education: A review of the literature. Journal of Financial Counseling and Planning, 20(1), 70-83. https://ssrn.com/abstract=2225339
- Mundir, A. (2018). Penerapan pendidikan financial pada anak usia sekolah [Implementing financial education to school-age children]. Journal Al-Mudarris, 1(2), 108-120. https://doi.org/10.32478/al-mudarris.v1i2.178
- Nawi, F. A. M., Daud, W. M. N. W., Ghazali, P. L., Yazid, A. S., & Shamsuddin, Z. (2018). Islamic financial literacy: A conceptualization and proposed measurement. International Journal of Academic Research in Business and Social Sciences, 8(12), 629-641. https://doi.org/10.6007/ijarbss/v8-i12/5061
- OECD. (2019). PISA 2018 Assessment and Analytical Framework. OECD. https://doi.org/10.1787/b25efab8-en
- OECD. (2020a). PISA 2018 Results: Are Students Smart about Money? OECD Publishing.
- OECD. (2020b). PISA-2021-Financial-Literacy-Framework. OECD Publishing.
- Peranginangin, S. A., Saragih, S., & Siagian, P. (2019). Development of learning materials through PBL with karo culture context to improve students’ problem-solving ability and self-efficacy. International Electronic Journal of Mathematics Education, 14(2), 265-274. https://doi.org/10.29333/iejme/5713
- Piliyanti, I. (2012). Pendidikan ekonomi islam di Indonesia: Pengalaman pesantren Sidogiri Pasuruan Jawa Timur [Islamic economics education in Indonesia: The experience of the Sidogiri Pasuruan Islamic boarding school, East Java]. Jurnal Hukum Islam, 10(2), 221-240. https://e-journal.iainpekalongan.ac.id/index.php/jhi/article/view/566
- Pournara, C. (2007). Financial mathematics in the south African school curriculum.
- Risdiyanti, I., Prahmana, R. C. I., & Shahrill, M. (2019). The learning trajectory of social arithmetic using an indonesian traditional game. Elementary Education Online, 18(4), 2094-2108. https://doi.org/10.17051/ilkonline.2019.639439
- Salas-Velasco, M., Moreno-Herrero, D., & Sánchez-Campillo, J. (2021). Teaching financial education in schools and students’ financial literacy: A cross-country analysis with PISA data. International Journal of Finance and Economics, 26(3), 4077-4103. https://doi.org/10.1002/ijfe.2005
- Savard, A., & Cavalcante, A. (2021). Financial numeracy as part of mathematics education. Financial Numeracy in Mathematics Education: Research and Practice, 9-18. https://doi.org/10.1007/978-3-030-73588-3_2
- Sawatzki, C. (2017). Lessons in financial literacy task design: authentic, imaginable, useful. Mathematics Education Research Journal, 29(1), 25–43. https://doi.org/10.1007/s13394-016-0184-0
- Skagerlund, K., Lind, T., Strömbäck, C., Tinghög, G., & Västfjäll, D. (2018). Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influence financial literacy. Journal of Behavioral and Experimental Economics, 74, 18-25. https://doi.org/10.1016/j.socec.2018.03.004
- Walstad, W. B., Rebeck, K., & MacDonald, R. A. (2010). The effects of financial education on the financial knowledge of high school students. Journal of Consumer Affairs, 44(2), 336-357. https://doi.org/10.1111/j.1745-6606.2010.01172.x
- Yeo, J. K. K. (2016). Infusing financial literacy in primary mathematics: A proposed framework for instruction. In International Handbook of Financial Literacy (pp. 603–616). Springer Singapore. https://doi.org/10.1007/978-981-10-0360-8_38
- Yuanita, P., Zulnaidi, H., & Zakaria, E. (2018). The effectiveness of Realistic Mathematics Education approach: The role of mathematical representation as mediator between mathematical belief and problem solving. PLoS ONE, 13(9), e0204847. https://doi.org/10.1371/journal.pone.0204847
References
Bakker, A., & van Eerde, D. (2015). An introduction to design-based research with an example from statistics education. In: Bikner-Ahsbahs, A., Knipping, C., Presmeg, N. (eds) Approaches to Qualitative Research in Mathematics Education. Advances in Mathematics Education. Springer, Dordrecht. https://doi.org/10.1007/978-94-017-9181-6_16
Samo, D. D., Darhim, & Kartasasmita, B. G. (2018). Culture-based contextual learning to increase problem-solving ability of first year university student. Journal on Mathematics Education, 9(1), 81–94. http://dx.doi.org/10.22342/jme.9.1.4125.81-94
Deputy of Economy Indonesian Ministry of National Development Planning. (2018). Indonesia Islamic Economic Masterplan 2019-2024. Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS)
Doorman, L. M., & Gravemeijer, K. P. E. (1999). Context problems in Realistic Mathematics Education: A calculus course as an example. Educational Studies in Mathematics, 39(1-3), 111-129. https://doi.org/10.1023/A:1003749919816
Estrada-Mejia, C., de Vries, M., & Zeelenberg, M. (2016). Numeracy and wealth. Journal of Economic Psychology, 54, 53-63. https://doi.org/10.1016/j.joep.2016.02.011
Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2019). Ancient China history-based task to support students’ geometrical reasoning and mathematical literacy in learning Pythagoras. Journal of Physics: Conference Series, 1417(1), 012042. https://doi.org/10.1088/1742-6596/1417/1/012042
Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2020a). Learning pythagorean theorem from ancient China: A preliminary study. Journal of Physics: Conference Series, 1470(1), 012018. https://doi.org/10.1088/1742-6596/1470/1/012018
Fachrudin, A. D., Ekawati, R., Kohar, A. W., Widadah, S., Kusumawati, I. B., & Setianingsih, R. (2020b). The shadow reckoning problem from ancient society as context for learning Trigonometry. Journal of Physics: Conference Series, 1538(1), 012098. https://doi.org/10.1088/1742-6596/1538/1/012098
Fauzan, A., Armiati, A., & Ceria, C. (2018). A learning trajectory for teaching social arithmetic using RME approach. IOP Conference Series: Materials Science and Engineering, 335(1), 012121. https://doi.org/10.1088/1757-899X/335/1/012121
Gravemeijer, K. (2004). Local instruction theories as means of support for teachers in reform mathematics education. Mathematical Thinking and Learning, 6(2), 105–128. https://doi.org/10.1207/s15327833mtl0602_3
Hartmann, A. L. B., de Cássia Pistóia Mariani, R., & Maltempi, M. V. (2021). Financial education in high school: An analysis of didactic activities related to uniform periodic series from the point of view of critical mathematics education. Bolema - Mathematics Education Bulletin, 35(70), 567-587. https://doi.org/10.1590/1980-4415v35n70a02
Jaelani, A., Putri, R. I. I., & Hartono, Y. (2013). Students’ strategies of measuring time using traditional gasing game in third grade of primary school. Journal on Mathematics Education, 4(1), 29-40. https://doi.org/10.22342/jme.4.1.560.29-40
Kafabih, A. (2020). Literasi finansial pada tingkat sekolah dasar sebagai strategi pengembangan financial inclusion di Indonesia [Financial literacy at the elementary school level as a strategy for developing financial inclusion in Indonesia]. MUBTADI: Jurnal Pendidikan Ibtidaiyah, 2(1), 1-16. https://doi.org/10.19105/mubtadi.v2i1.3607
Kusumawati, I. B., Fachrudin, A. D., Putri, R. I. I., Zulkardi, Z., Kohar, A. W., & Mubarok, M. K. (2021). Islamic financial literacy in mathematics education: A proposed framework.
Kusumawati, I. B., Fachrudin, A. D., Putri, R. I. I., Zulkardi, Z., Widadah, S., & Mubarok, M. K. (2022). Islamic financial literacy in mathematics education: Proposed design for instruction. Proceedings of the Eighth Southeast Asia Design Research (SEA-DR) & the Second Science, Technology, Education, Arts, Culture, and Humanity (STEACH) International Conference (SEADR-STEACH 2021), 627. https://doi.org/10.2991/assehr.k.211229.021
Laila, V., Hadi, S., & Subanji, S. (2019). Pelaksanaan pendidikan literasi finansial pada siswa sekolah dasar [Implementation of financial literacy education for elementary school students]. Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan, 4(11), 1491-1495. https://doi.org/10.17977/jptpp.v4i11.13016
Mccormick, M. H. (2009). The effectiveness of youth financial education: A review of the literature. Journal of Financial Counseling and Planning, 20(1), 70-83. https://ssrn.com/abstract=2225339
Mundir, A. (2018). Penerapan pendidikan financial pada anak usia sekolah [Implementing financial education to school-age children]. Journal Al-Mudarris, 1(2), 108-120. https://doi.org/10.32478/al-mudarris.v1i2.178
Nawi, F. A. M., Daud, W. M. N. W., Ghazali, P. L., Yazid, A. S., & Shamsuddin, Z. (2018). Islamic financial literacy: A conceptualization and proposed measurement. International Journal of Academic Research in Business and Social Sciences, 8(12), 629-641. https://doi.org/10.6007/ijarbss/v8-i12/5061
OECD. (2019). PISA 2018 Assessment and Analytical Framework. OECD. https://doi.org/10.1787/b25efab8-en
OECD. (2020a). PISA 2018 Results: Are Students Smart about Money? OECD Publishing.
OECD. (2020b). PISA-2021-Financial-Literacy-Framework. OECD Publishing.
Peranginangin, S. A., Saragih, S., & Siagian, P. (2019). Development of learning materials through PBL with karo culture context to improve students’ problem-solving ability and self-efficacy. International Electronic Journal of Mathematics Education, 14(2), 265-274. https://doi.org/10.29333/iejme/5713
Piliyanti, I. (2012). Pendidikan ekonomi islam di Indonesia: Pengalaman pesantren Sidogiri Pasuruan Jawa Timur [Islamic economics education in Indonesia: The experience of the Sidogiri Pasuruan Islamic boarding school, East Java]. Jurnal Hukum Islam, 10(2), 221-240. https://e-journal.iainpekalongan.ac.id/index.php/jhi/article/view/566
Pournara, C. (2007). Financial mathematics in the south African school curriculum.
Risdiyanti, I., Prahmana, R. C. I., & Shahrill, M. (2019). The learning trajectory of social arithmetic using an indonesian traditional game. Elementary Education Online, 18(4), 2094-2108. https://doi.org/10.17051/ilkonline.2019.639439
Salas-Velasco, M., Moreno-Herrero, D., & Sánchez-Campillo, J. (2021). Teaching financial education in schools and students’ financial literacy: A cross-country analysis with PISA data. International Journal of Finance and Economics, 26(3), 4077-4103. https://doi.org/10.1002/ijfe.2005
Savard, A., & Cavalcante, A. (2021). Financial numeracy as part of mathematics education. Financial Numeracy in Mathematics Education: Research and Practice, 9-18. https://doi.org/10.1007/978-3-030-73588-3_2
Sawatzki, C. (2017). Lessons in financial literacy task design: authentic, imaginable, useful. Mathematics Education Research Journal, 29(1), 25–43. https://doi.org/10.1007/s13394-016-0184-0
Skagerlund, K., Lind, T., Strömbäck, C., Tinghög, G., & Västfjäll, D. (2018). Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influence financial literacy. Journal of Behavioral and Experimental Economics, 74, 18-25. https://doi.org/10.1016/j.socec.2018.03.004
Walstad, W. B., Rebeck, K., & MacDonald, R. A. (2010). The effects of financial education on the financial knowledge of high school students. Journal of Consumer Affairs, 44(2), 336-357. https://doi.org/10.1111/j.1745-6606.2010.01172.x
Yeo, J. K. K. (2016). Infusing financial literacy in primary mathematics: A proposed framework for instruction. In International Handbook of Financial Literacy (pp. 603–616). Springer Singapore. https://doi.org/10.1007/978-981-10-0360-8_38
Yuanita, P., Zulnaidi, H., & Zakaria, E. (2018). The effectiveness of Realistic Mathematics Education approach: The role of mathematical representation as mediator between mathematical belief and problem solving. PLoS ONE, 13(9), e0204847. https://doi.org/10.1371/journal.pone.0204847