scholarly journals The Impact of Financial Knowledge, Financial Self-Efficacy, and Saving Behaviour on Junior High School Students: A Case Study of Rural and Urban Area Students

Author(s):  
Badria Julianti ◽  

Financial knowledge, financial behaviour, financial self-efficacy, and financial behaviour are needed to make the right financial decisions. This study determines the differences in rural and urban junior high school students’ financial knowledge, financial behaviour, financial self-efficacy, and saving behaviour. This study also finds the influence of financial knowledge, financial self-efficacy, and saving behaviour on students’ financial behaviour. This study used the t-test, independent t-test and multiple linear regression methods to analyse the data obtained in the survey. The respondent of the survey is junior high school students aged 11 to 15 years. Data were obtained from the results of questionnaires filled in online by students. The results showed differences in financial knowledge, financial behaviour, and financial self-efficacy in rural and urban junior high school students. The findings in this study show that the financial behaviour of junior high school students in rural and urban areas shows the same results. Our research shows that demographics, financial knowledge, and financial self-efficacy influence students’ financial behaviour. However, financial behaviour is not influenced by students’ saving behaviour.

2016 ◽  
Vol 3 (1) ◽  
pp. 76 ◽  
Author(s):  
Novferma Novferma

Penelitian ini bertujuan untuk mendeskripsikan letak, jenis, faktor-faktor kesulitan, dan self-efficacy siswa SMP swasta di Kabupaten Sleman, DIY dalam memecahkan masalah matematika berbentuk soal cerita. Penelitian ini termasuk penelitian survei dengan pendekatan kuantitatif dan kualitatif. Subjek penelitian adalah 124 siswa SMP swasta di Kabupaten Sleman, DIY yang berasal dari empat sekolah dengan kategori tinggi, sedang, dan rendah. Sampel penelitian ditentukan dengan stratified proportional random sampling technique. Instrumen yang digunakan berupa tes diagnostik terdiri atas 5 butir soal, angket self-efficacy, dan pedoman wawancara. Hasil penelitian menunjukkan bahwa kesulitan siswa dalam pemecahan masalah matematika berbentuk soal cerita terletak pada pengetahuan faktual, pengetahuan konseptual, pengetahuan prosedural, dan pengetahuan metakognitif. Jenis kesulitan yang dialami siswa yaitu pada mengingat fakta, mengingat konsep, memahami fakta, memahami konsep, menerapkan konsep, menerapkan prosedur, menganalisis prosedur, mengevaluasi faktual, mengevaluasi konsep, mengevaluasi prosedur, dan mengomunikasikan metakognitif. Faktor-faktor kesulitan yang dialami siswa SMP dalam memecahkan masalah matematika berbentuk soal cerita kelas VIII yaitu siswa merasa waktu yang diberikan tidak cukup, mudah menyerah, kurang teliti, sering lupa, merasa cemas, dan siswa tergesa-gesa untuk mengerjakan soal. Self-efficacy dari 124 siswa berada dalam kategori tinggi dengan rata-rata sebesar 90,4.Kata Kunci: analisis kesulitan siswa, self-efficacy, pemecahan masalah matematika, soal cerita AN ANALYSIS OF DIFFICULTIES AND SELF-EFFICACY OF JUNIOR HIGH SCHOOL STUDENTS IN SOLVING STORY FORM MATHEMATICAL PROBLEMS AbstractThis research aimed to describe the positions, types, difficulty factors, and self-efficacy of junior high school students in Sleman, DIY in solving story form mathematical problems. This study was survey research using the quantitative and kualitative approach. The subjects of this research were 124 students of private junior high schools in Sleman, DIY, which were from four different school groups in the high, middle, and low categories. The sample was established using the stratified proportional random sampling technique. The instruments which were used namely diagnostic test that consisted of 5 items, self-efficacy questionnaire, and interview guides. The results indicate that students’ difficulties in solving story form mathematical problems lie on factual knowledge, conceptual knowledge, procedural knowledge, and metacognitive knowledge. The types of difficulties experienced by students include remembering fact, remembering concept, understanding facts, understanding concept, applying concept, applying procedure, analyzing procedure, evaluating fact, evaluating concept, evaluating procedure, and communicating metacognitive. Difficulty factors that grade VIII students experience in solving story form mathematical problems include: students feel that the time given is not enough, easily give up, are not meticulous enough, oftenly forget, and are anxious and impatient while solving the problems. The self-efficacy of 124 students can be categorized as high with an average score of 90.4.Keywords: analysis of students’ difficulties, self-efficacy, mathematics problem solving, story problem.


1995 ◽  
Vol 43 (3) ◽  
pp. 285-295 ◽  
Author(s):  
Joan D. Speight ◽  
Kenneth S. Rosenthal ◽  
Bonnie J. Jones ◽  
Paula M. Gastenveld

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