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All Journal Jurnal Penelitian Pembelajaran Matematika Sekolah Jurnal Ilmiah Multidisiplin Ilmu
Tiara Husnul Khotimah
Universitas Negeri Jakarta
Mathematics Other

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ANALISIS ILUSI NUMERASI TERHADAP AKUMULASI UTANG MAJEMUK AKIBAT PERSEPSI RENDAH PADA BUNGA PINJAMAN ONLINE Inaya Akbar; Reny Ramadhani; Selena Nuria Aline; Tiara Husnul Khotimah; Pinta Deniyanti Sampoerno; Debby Agustine
Jurnal Ilmiah Multidisiplin Ilmu Vol. 3 No. 3 (2026): Juni : Jurnal Ilmiah Multidisiplin Ilmu (JIMI)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/yvdqba47

Abstract

The rapid growth of online lending platforms in Indonesia has created new challenges in the form of systemic debt trap risks due to low financial literacy and cognitive biases. This study aims to analyze the influence of the illusion of numeracy on perceptions of online loan interest rates and its impact on the accumulation of compound debt. Using a qualitative method with a descriptive-analytical approach, data were collected through in-depth interviews with three categories of informants: mathematics students, non-mathematics students, and the general public. The findings reveal a strong phenomenon of the numeracy illusion, where informants tend to get trapped by the framing of small nominal numbers (daily interest) without converting time units or understanding the exponential nature of compound interest. Most informants use a linear thinking approach in estimating interest burdens, causing them to underestimate total financial obligations. This study concludes that critical mathematical literacy is not merely the ability to perform calculations, but rather the foundation of rationality in decision-making within the digital ecosystem. These results recommend the need for a mathematics education model that is more relevant to the contemporary financial context, as well as more transparent consumer protection policies. 
ENHANCING THE NUMERACY SKILL OF THE PRE-SERVICE TEACHERS THROUGH STEM DESIGN-BASED LEARNING Khaola Rachma Adzima; Puspita Sari; Nilam Novita Sari; Tiara Husnul Khotimah
JP2MS Vol 10 No 1 (2026): April
Publisher : Program Studi S1 Pendidikan Matematika FKIP Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/jp2ms.10.1.117-125

Abstract

Based on the 2018 PISA results, Indonesian students' numeracy skills remain low, with the majority not reaching the basic proficiency level. One innovative approach is STEM design-based learning, which integrates aspects of Science, Technology, Engineering, and Mathematics into the learning process. While STEM has often been implemented in schools, its application in higher education remains limited. This study aims to analyze the effectiveness of the STEM design-based learning in enhancing the numeracy skill of pre-service teachers. The research population comprised sixth-semester students of the Mathematics Education undergraduate program at Universitas Negeri Jakarta, with a sample of 25 students. Data were collected through numeracy tests administered before (pre-test) and after (post-test) the implementation of the STEM design-based learning. Data analysis using a t-test, t(25) = 6.3189 with a p-value = 7.818 × 10⁻⁷ (p < 0.05), indicating that the null hypothesis (H₀) is rejected and the alternative hypothesis (H₁) is accepted, it means that the post-test scores were significantly higher than the pre-test scores. Then, the Cohen’s d-value was 1.26, indicating that the treatment had a very large effect on improving the numeracy skill of the pre-service teachers.
Co-Authors Debby Agustine Inaya Akbar Khaola Rachma Adzima Nilam Novita Sari Pinta Deniyanti Sampoerno Puspita Sari Reny Ramadhani Selena Nuria Aline