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Financial Literacy Levels of Fifth Grade Elementary School Students: An Ex Post Facto Quantitative Study Maryam, Cucu; Fitriani, Andhin Dyas
International Conference on Elementary Education Vol. 8 No. 1 (2025): Proceedings The 8th International Conference on Elementary Education
Publisher : International Conference on Elementary Education

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Abstract

Financial literacy is a crucial 21st-century skill that should be developed from the elementary level to ensure students are able to manage economic resources wisely and responsibly. This study aims to analyze the financial literacy levels of elementary school students and to describe the tendencies of achievement for each phase C indicator of financial literacy. This quantitative study employed an ex post facto design, where researchers did not administer direct interventions, but examined the actual conditions of students' abilities based on assessment results. The instrument used was a summative financial literacy assessment covering nine principal indicators: understanding sources of income, socialresponsibility, budget planning, wise spending behavior, social expenditure allocation, loan responsibility, saving strategies, understanding inflation, and risk management. Data were analyzed quantitatively and descriptively to determine average scores and categorize financial literacy levels. The findings revealed that students’ financial literacy was generally in the moderate category, with the highest achievements in saving and social responsibility aspects, and the lowest in budget planning and risk management. These results indicate that while students’ conceptual understanding of the value and function of money is fairly developed, their daily financial decision-making skills still need to be improvedthrough more contextual and practical learning experiences.
Students' Problem-Solving Skills Viewed from Polya's Problem Solving Indicators Syamsudin, Annisa Febrianti; Fitriani, Andhin Dyas; Agustin, Mubiar
International Conference on Elementary Education Vol. 8 No. 1 (2025): Proceedings The 8th International Conference on Elementary Education
Publisher : International Conference on Elementary Education

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Abstract

Problem-solving skills are one of the essential skills that must be mastered in the 21st century, as they can develop critical thinking skills and support effective daily decision-making. Based on this, problem-solving skills need to be mastered by everyone, including elementary school students. To measure problem-solving skills, we can use the four problem-solving indicators presented by George Polya, namely understanding the problem, devising the plan, carrying out the plan, and looking back. In reality, many students have not yet mastered problem-solving skills. Therefore, this study was conducted with the aim of describing the problem-solving abilities of sixth grade elementary school students. Theresearch method used was descriptive-qualitative. The research subjects were 51 sixth-grade elementary school students. Each research subject completed a problem-solving test on the material of combined flat shapes, which consisted of eight story questions. The questions in this problem-solving test were adjusted to the problem-solving indicators according to George Polya. The results showed that 54.9% of students were able to understand the problem. As for the indicator of devising a plan, only34.3% of students possessed this skill. Then, only 17.6% of students had the skill of carrying out the plan. Last, only 12.7% of students were able to look back at the problem solution.