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All Journal SJEE (Scientific Journals of Economic Education)
Ati Sadiah
Economic Education Program Study, FKIP, Universitas Siliwangi, Tasikmalaya
Economics, Econometrics & Finance Education Other

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Understanding Financial Behavior of Rural Housewives: A Qualitative Insight into Household Financial Well-Being Syifa Nurwindani; Ati Sadiah; Sri Hardianti Sartika
SJEE (Scientific Journals of Economic Education) Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v10i2.466

Abstract

Financial literacy constitutes a multidimensional capability encompassing knowledge, skills, attitudes, and behaviors required to manage financial resources in a rational, adaptive, and long-term–oriented manner to achieve financial well-being. In rural contexts, financial literacy extends beyond cognitive understanding and is embedded in everyday practices shaped by specific socio-economic conditions. Accordingly, this study seeks to explore the understanding, application, and lived experiences of financial literacy among housewives in managing household finances, as well as the factors influencing such practices. This research adopts a qualitative approach with an exploratory design, focusing on housewives in Tasikmalaya Regency. The primary informants are housewives, supported by other family members to enrich data triangulation. Data were collected through in-depth interviews, observation, and documentation, and subsequently analyzed using an interactive process involving data reduction, data display, and conclusion drawing. The findings reveal that financial literacy is construed as an adaptive capacity to maintain household economic balance amid income constraints. It is predominantly practical in nature, reflected in expenditure management, prioritization of needs, and saving practices. Financial well-being is perceived holistically, encompassing basic needs fulfillment, financial management capability, a sense of financial security, and preparedness for emergencies. The determinants include life experience, social environment, and household income structure. These findings underscore financial literacy as a mechanism of economic resilience, highlighting the need for contextualized, simple, and applicable financial education programs.
Pengaruh Adopsi E-Learning dan Self-Efficacy Terhadap Literasi Digital Madina Putri; Ati Sadiah; Kurniawan Kurniawan
SJEE (Scientific Journals of Economic Education) Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v10i2.444

Abstract

The low level of students’ digital literacy in optimally utilizing learning technologies has become a serious issue. This condition indicates that students still face limitations in using and leveraging technology as an effective and responsible learning tool. Meanwhile, the integration of technology in education has encouraged the use of e-learning as a learning medium. The adoption of e-learning is closely related to students’ abilities as well as their self-efficacy in using it. In addition, studies examining the effect of e-learning adoption and self-efficacy on students’ digital literacy remain limited. This study aims to examine the effect of e-learning adoption and self-efficacy on students’ digital literacy. This research employs a quantitative approach using a survey method. The population consists of 296 students in grades X and XI at SMA Negeri 1 Sindangkasih. The sampling technique used is simple random sampling. Data were collected through questionnaires. Data processing included editing, coding, scoring, and tabulating, while data were analyzed using multiple linear regression analysis. The results indicate that e-learning adoption and self-efficacy have a positive and significant effect on students’ digital literacy, both partially and simultaneously.
Determinasi Minat Investasi Menggunakan Platform Exchange: Peran Literasi Keuangan dan Perceived Risk Yogi Fajar Afrizaldi; Gugum Gumilar; Ati Sadiah
SJEE (Scientific Journals of Economic Education) Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v10i2.472

Abstract

This study analyzes the influence of financial literacy and perceived risk on investment interest of Economics Education students on exchange platforms. This study uses a quantitative approach with a survey method. The research sample consisted of 163 respondents determined through proportional stratified random sampling technique. Data collection was conducted using a questionnaire, while data analysis used multiple linear regression with the Weighted Least Squares (WLS) approach to meet the prerequisite test. The test results show that financial literacy has a positive and significant influence on the interest in using exchange platforms as an investment tool with a t-value of 9.484 and a significance of 0.000. Meanwhile, perceived risk has a negative effect on investment interest with a t-value of -2.600 and a significance of 0.010. When viewed from the simultaneous test, perceived risk and financial literacy have a significant effect on the interest in using exchange platforms as a tool for investment with an F of 247.075 and a coefficient of determination (R²) of 0.755. This indicates that financial literacy is the most influential factor in increasing investment interest in students, while risk perception is a inhibiting factor. This research provides important implications for strengthening digital financial literacy and managing risk perceptions to increase student participation in exchange-based platform investments.
Penerapan Model Pembelajaran Kooperatif Tipe Make A Match Berbantuan Media Puzzle Terhadap Hasil Belajar Peserta Didik Pada Mata Pelajaran Ekonomi Ai Mirna Nurhamidah; Ati Sadiah; Rendra Gumilar
SJEE (Scientific Journals of Economic Education) Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v10i2.427

Abstract

This research is based on the low learning outcomes of students in economics subjects and aims to determine the effect of the application of the make a match type cooperative learning model assisted by puzzle media in improving student learning outcomes in financial institution materials in the economy. The method used was an experiment with the pre-test post-test non-equivalent control group design. The data collection technique was carried out through a multiple-choice test. The research population includes all students of class X of SMAN 6 Tasikmalaya for the 2025/2026 school year. The research sample consisted of two classes, namely class X-3 as an experimental class that was given treatment using the make a match model with the help of puzzle media, and class X-7 as a control class that used conventional learning. The results of data analysis and hypothesis testing with independent sample t-test showed a Sig. (2-tailed) value of < 0.000, so the research hypothesis was accepted. The average posttest score in the experimental class was higher than in the control class. Thus, it can be concluded that the make a match learning model assisted by puzzle media is more effective in improving student learning outcomes compared to conventional learning models.
Co-Authors Ai Mirna Nurhamidah Gugum Gumilar Kurniawan Kurniawan Madina Putri Rendra Gumilar Sri Hardianti Sartika Syifa Nurwindani Yogi Fajar Afrizaldi