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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang PEDAGOGIC: Indonesian Journal of Science Education and Technology
Krisna Sarinauli Lumbansiantar
Universitas Negeri Medan
Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Literasi Digital dan Self-Efficacy terhadap Kemampuan Berpikir Kritis Ekonomi Siswa SMA dalam Pembelajaran Berbasis Proyek Primawati Sinaga; Christina Hotma Tondini Turnip; Krisna Sarinauli Lumbansiantar; Muhammad Bukhori Dalimunthe; Deni Adriani
PEDAGOGIC: Indonesian Journal of Science Education and Technology Vol. 6 No. 3 (2026): PEDAGOGIC: Indonesian Journal of Science Education and Technology
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ijset.v6i3.5817

Abstract

This study was motivated by the low economic critical thinking skills of high school students in the digital era and the importance of digital literacy and self-efficacy as internal influencing factors, particularly within the context of Project-Based Learning (PjBL). The purpose of this study was to analyze the partial and simultaneous effects of digital literacy and self-efficacy on students’ economic critical thinking skills. A quantitative ex-post facto survey approach was employed. The sample comprised 90 high school students in Medan City, randomly selected from three schools that implemented PjBL in economics subjects. Data were collected using a Likert-scale questionnaire to measure digital literacy and self-efficacy, along with an essay test to assess economic critical thinking skills. Data analysis utilized simple and multiple linear regression at a significance level of 0.05. The results revealed that: (1) digital literacy had a positive and significant effect on economic critical thinking skills (β = 0.526, p < 0.05); (2) self-efficacy had a positive and significant effect on economic critical thinking skills (β = 0.489, p < 0.05); and (3) simultaneously, digital literacy and self-efficacy had a positive and significant effect on economic critical thinking skills (F = 29.517, p < 0.05), contributing 40.4% to the variance. It is concluded that digital literacy and self-efficacy are important predictors that synergistically enhance students’ economic critical thinking skills within the Project-Based Learning framework.
STUDI LITERATUR KOMPARATIF KARAKTERISTIK RISIKO DAN IMBAL HASIL REKSADANA SAHAM VERSUS UNIT LINK BERBASIS EKUITAS SEBAGAI INSTRUMEN PERENCANAAN KEUANGAN JANGKA PANJANG Christina Hotmatondini Turnip; Deslia Ningsih Sagala; Krisna Sarinauli Lumbansiantar; Putri Kemala Dewi Lubis
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 2, Juni 2026 Publish
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.14546

Abstract

Long-term financial planning demands efficient and goal-appropriate investment instruments. Indonesian retail investors often face confusion between equity mutual funds and equity-based unit-linked insurance plans (ULIPs) due to their similar underlying assets, despite fundamentally different cost structures and risk profiles. This study aims to present a systematic comparative synthesis of the risk-return characteristics of both instruments and to assess their suitability as long-term financial planning vehicles. A Systematic Literature Review (SLR) method was employed, analyzing 15 peer-reviewed articles and relevant OJK regulations. A comparative analysis was conducted across the dimensions of costs, multidimensional risk, returns, and goal suitability. The synthesis reveals that ULIPs impose a multi-layered fee structure including substantial first-year acquisition charges, monthly cost of insurance, and administrative fees that generates a significant expense drag. The effective annual total cost of ULIPs (>5.5%) far exceeds that of equity mutual funds (1.5–3.5%). A simulation assuming an identical 12% annual gross return demonstrates that over 20 years, equity mutual funds can accumulate up to 82% more wealth. ULIPs also carry severe early-year liquidity risk due to surrender charges. Equity mutual funds exhibit superiority in transparency, cost efficiency, and flexibility, making them the superior vehicle for pure long-term wealth accumulation. The 'Buy Term and Invest the Difference' (BTID) strategy is mathematically more optimal. This study recommends strengthened fee transparency for ULIPs and stricter regulatory oversight.
Co-Authors Christina Hotma Tondini Turnip Christina Hotmatondini Turnip Deni Adriani Deslia Ningsih Sagala Muhammad Bukhori Dalimunthe Primawati Sinaga Putri Kemala Dewi Lubis