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All Journal Jurnal Elemen Jurnal Ilmu Ekonomi dan Bisnis Islam
Galuh Nuril Lathifah
Central South University
Economics, Econometrics & Finance Other

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Undergraduate students’ mathematical reasoning in numeracy-based tasks: A Rasch model approach Dewi Hamidah; Jerhi Wahyu Fernanda; Zun Azizul Hakim; Galuh Nuril Lathifah
Jurnal Elemen Vol 12 No 2 (2026): April
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jel.v12i2.34118

Abstract

Mathematical reasoning is essential in higher education because it enables students to formulate conjecture, generalize patterns, and justify. This study examined undergraduate students’ mathematical reasoning, operationalized through conjecturing, generalizing, and justifying, in two numeracy tasks. A purposive sample of 185 mathematics education students from the first, third and fifth semesters at a State University in Kediri, Indonesia, participated in the study. Responses were scored using an analytic rubric and analyzed with the Rasch model to estimate item difficulty and person ability, evaluate item fit and reliability, and examine Differential Item Functioning (DIF) across gender, Grade Point Average (GPA), and semester level. The results indicated that conjecturing and justifying were the most challenging aspects for students, while evidence of generalizing was relatively limited. Rasch analysis verified the instrument’s validity and reliability, with all items satisfying fit requirements, while DIF analysis indicated no significant demographic bias. However, observed patterns suggested that female students tended to be more systematic and accurate, male students were generally more flexible but less consistent, and students with higher GPAs displayed stronger logical reasoning. These findings highlight the importance of instructional strategies that intentionally foster mathematical reasoning and suggest future research involving multiple institutions and longitudinal designs.
Financial Literacy as a Mediator: Entrepreneurial Orientation and Fintech Adoption on MSME Financial Performance in Kediri Ahmad Munif; Ahmad Yani; Ahmad Idris; Galuh Nuril Lathifah
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v8i1.444.97-119

Abstract

Despite the growing adoption of financial technology and entrepreneurial practices among MSMEs, limited attention has been given to the mechanisms through which these capabilities improve financial performance. This study examines the role of financial literacy as a mediating mechanism linking entrepreneurial orientation, fintech adoption, and MSME financial performance in Kediri City. Using a quantitative explanatory approach, data were collected from 195 MSMEs and analyzed using PLS-SEM. The findings show that entrepreneurial orientation positively affects financial literacy but does not directly affect financial performance. In contrast, fintech adoption has a significant direct effect on both financial literacy and financial performance. Financial literacy significantly improves financial performance and serves as a full mediator between entrepreneurial orientation and financial performance, and as a partial mediator between fintech adoption and financial performance. The study concludes that financial literacy is a key mechanism through which entrepreneurial and technological capabilities are translated into financial outcomes. This study contributes to MSME performance literature by integrating financial literacy into a mediation framework and offers practical implications for policymakers, financial institutions, and fintech providers in strengthening financial capability, digital adoption, and inclusive MSME empowerment.
Co-Authors Ahmad Munif Ahmad Yani Hamidah, Dewi Idris, Ahmad Jerhi Wahyu Fernanda Zun Azizul Hakim