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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 A.A. Sri Arika Deviana Putri Adriati, I Gst. Ayu Wirati Anak Agung Natsumi Kusumaputri Ariwangsa, I G. N. Oka Ariwangsa, I G.N. Oka Ariwangsa, I Gusti Ngurah Oka Arlantara Putra, Alvin Asrya Wijayanti, Ni Kadek Wiwin Ayu Agung Mirah Virgianitri, I Gusti Budiatha, I Made Augie Putra Chintia Camilo Desak Made Febri Purnama Desak Made Sukarnasih Desak Sukarnasih, Ni Made Devina Reditya, Ni Made Laksmi Dewi, Ni Kadek Lia Setia Dewi, Ni Komang Sri Berliana Dinda Ferdina, Ni Made Febriani, A A Sinta Krisna Febriyanti, Ni Komang Lina Fidyariska, Priskylia Jenia Gunaprya, Komang Rosemalla Dewi Gusti Ayu Tirtayani, I I G. N. Oka Ariwangsa I Gusti Ayu Tirtayani I Kadek Dwi Fajar Swastika I Komang Didi Kariana I Made Suidarma I Putu Dharmawan Pradhana I Putu Nadha Ambara Putra I Putu Satria Parayangan I Wayan Andra Wirawan IGN Oka Ariwangsa Jelantik, I Gusti Ayu Agung Istri Dinda Larasshanti Juwita Sari, Putu Ratna Kariana, I Komang Didi Komang Ayu Puspita Dewi Komang Sri Widiantari Laksmi , Kadek Wulandari Laksmi Aridewi, Putu Laksmi, Kadek Wulandari Made Mulyadi Made Sukarnasih , Desak Mahadhika Feryo Gotama Maitri, Wayan Sri Mariyani, Dini Martina Angelica Oktaviani Damai Martini, I. A. Oka Mulyadewi, I Gusti Agung Ayu Candra Nadya Dominica Putri Yudda Naraswari , Ida Ayu Yogi Ni Komang Ayulyantari Ni Komang Sri Berliana Dewi Ni Luh made Risnia Dewi Ni Made Desak Sukarnasih Ni Made Dwipayanti Ni Putu Bayu Widhi Antari Ni Putu Ena Kartika Dewi Ni Putu Nina Eka Lestari Ni Putu Wina Yustina Maharani Ni Wayan Lasmi Ni Wayan Lasmi Paramitha Pika, Putu Ayu Titha Parasari, Nyoman Sri Manik Prasetya Dewi, Made Indah Pratiwi, Ni Kadek Wulan Cahyaning Putri, Ni Putu Ayu Sriniken Dhamayanti Putu Purnama Dewi Rian Arif Fahendra Sahri Aflah Ramadiansyah Sari, Ni Nyoman Tri Puspa Sashia Putri, Putu Dinda Satria Wibawa, A. A. Ngurah Adi Septianee, Putu Ditha Setianingsih, Made Apriani Sri Maitri, Wayan Suwardyanba, Gede Irfan Swandewi, Anak Agung Mia Udayani, Ni Putu Ari Wayan Sri Maitri Wayan Sri Maitri Wijayani, Putu Ayu Diah Wulandari Laksmi, Kadek Wulantari, Ni Kadek