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Journal : Journal of Instructional and Development Researches

Technology-Based Learning and Financial Literacy in Strengthening Students’ Credit Risk Assessment Skills Ariwangsa, IGN Oka; Putra P, Komang Widhya Sedana; Laksmi P, Kadek Wulandari
Journal of Instructional and Development Researches Vol. 5 No. 6 (2025): December
Publisher : Yayasan Indonesia Emerging Literacy Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53621/jider.v5i6.644

Abstract

This study aims to examine how a technology-enhanced learning study model improves students’ credit risk assessment skills and to determine whether financial literacy strengthens this effect. It addresses a gap in the literature, particularly within developing economies, where limited evidence exists on the combined role of digital learning cycles and financial literacy in shaping analytical competence. A quantitative explanatory approach was employed to test the relationships among the study variables and assess the moderating role of financial literacy. Data were gathered through a structured online questionnaire administered to 200 business and finance students in Bali. The instrument consisted of 15 validated indicators measuring technology-enhanced learning study practices, financial literacy, and credit risk assessment ability. Respondents were selected using purposive sampling, focusing on students who had completed core finance-related coursework. The dataset was analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) to evaluate both direct and moderating effects. Reliability, validity, and model fit were assessed before hypothesis testing. The findings show that technology-enhanced learning study exerts a significant positive influence on students’ credit risk assessment ability. Furthermore, financial literacy was found to moderate this relationship, indicating that students with stronger financial literacy benefit more from iterative digital learning processes. These results support the integration of reflective technology-based learning with financial literacy development to better prepare students for analytical decision-making in financial professions.
Co-Authors Adnyani, Ni Putu Mita Andistan, Ignacia Betrya Apriliani, Ni Putu Mia Aris Widiana, Ngakan Putu Ariwangsa, I G. N. Oka Ariwangsa, I G.N. Oka Bhargawa, Dewi Andjani Angellina Cahya Putri, Ni Made Chintia Camilo Clara Felicia Regina Francis Desak Made Febri Purnama Sari Desak Made Sukarnasih Dewa Ayu Rina Dewi Paramitha Dewi, I. G. A Agung Omika Dewi, Made Risma Dewi, Putu Purnama Dhirgayusa, I Gede Perdana Endita, Ni Kadek Citra Ernawati, Ni Luh Felita, Thea Giovvani Angela Gunawan Gusi Putu Lestara Permana Gusti Putu Lestara Permana I G. N. Oka Ariwangsa I G. N. Oka Ariwangsa I G. N.O. Ariwangsa I Gde Kajeng Baskara I Gede Harry Ramanda Sujana I Gusti Ayu Dhani Handita I Gusti Ayu Mas Rosita Dewi I Kadek Dwi Fajar Swastika I Kadek Setya Obi Maharipa I Komang Didi Kariana I Made Yoga Dwipayana Putra I Putu Dharmawan Pradhana I Putu Gede Sulaksana Adi Putra I Putu Nadha Ambara Putra Ida Ayu Ratih Dharmayanti Tatwa Ida Bagus Anom Purbawangsa IGN Oka Ariwangsa Indriyati Indriyati Irmayani, Ni Putu Satwika Kadek Devi Kalfika Anggria Wardani Kadek Krisna Saputra Komang Setiawan Komang Sri Widiantari Komang Widhya Sedana Putra P Kustina, Ketut Tanti Lely Anggreyni Jawak Luh Gede Sri Artini Made Adika Pradnya Paramita Astawan Made Mulyadi Made Ratih Nurmalasari Mahadhika Feryo Gotama Maitri, Wayan Sri Manu, Aprita Susanti Martina Angelica Oktaviani Damai Martini, I. A. Oka Naraswari , Ida Ayu Yogi Ni Kadek Anggiyely Sritania Ni Kadek Sindy Dwi Anjani Ni Ketut Anik Nugraheni Ni Ketut Arista Ameliasari Ni Komang Ayulyantari Ni Luh Mita Juniari Ni Luh Yulyana Dewi Ni Made Ari Puspita Dewi, Ni Made Ari Puspita Ni Made Dwipayanti Ni Made Lira Amerti Putri Darsana Ni Nyoman Sri Wisudawati Ni Putu Budiadnyani Ni Putu Early Pradnya Suarnitha Ni Wayan Eva Angellina Ni Wayan Lasmi Nilna Muna Niron, Vernanda Christine Novianti, Mega Putri Eka Nyoman Sri Manik Parasari Omika Dewi, I G. A. Agung Pandea Bagus Adnyanaesa Parasari, Nyoman Sri Manik Permana, Gusti Putu Lestara Permana, Putu Indra Prawitasari, Putu Putri Premayanti, Made Ari Putra, Komang Satria Wibawa Putri, Ni Putu Ayu Sriniken Dhamayanti Putri, Putu Wahyu Cahyani Putu Eka Rumadana Putu Indah Kaori Widyawati Putu Indra Permana Putu Pande R. Aprilyani Dewi Putu Putri Prawitasari Putu Ratna Juwita Sari Putu Sri Arta Jaya Kusuma Rommy Patrik Liyanto Rumadana, Putu Eka Santoso, Sisilia Ananda Septianee, Putu Ditha Setligt, Eileen Vridynia Sianipar, Arsia Dondania Suci Artini, Ni Kadek Suwardyanba, Gede Irfan Swardyani, Winda Trisna, Ni Nyoman Putri Bulan Widyadhana, I Nyoman Augie Yasa, I Gede Pradnyana Antara Yosephine, Thalia Yuuka Narita Putri, Ni Made ⁠Putu Putri Prawitasari