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All Journal Edumatsains Jurnal Riset Pendidikan dan Inovasi Pembelajaran Matematika (JRPIPM)
Bela Desy Natalia
Universitas Kristen Indonesia
Agriculture, Biological Sciences & Forestry Chemistry Education Mathematics Physics Social Sciences

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NUMERICAL ANALYSIS OF HOME OWNERSHIP LOANS BANK INTEREST RATES IN INDONESIA WITH NEWTON'S INTERPOLATION METHOD Bela Desy Natalia; Candra Ditasona; Ruth Ririn Vania; Kornelius Anugrah Zebua
EduMatSains : Jurnal Pendidikan, Matematika dan Sains Vol 8 No 2 (2024): Januari
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/edumatsains.v8i2.5584

Abstract

The demand of the Indonesian society to own homes and properties is increasing along with the growth of Indonesia's population. This has led to an increase in population density, causing property prices to rise. The way to own property or a house in accordance with monthly income is by using bank housing loans. Three Indonesian banks renowned for housing loan applications, namely BTN, Mandiri, and BSI, were selected as samples in this study. These three banks have their own advantages and different bank interest rates. Therefore, this research was created as a tool for consumers to make decisions by considering the advantages obtained when applying for a loan at one of the three banks. This study employs the Newton's interpolation method to generate formulas that can help solve consumer problems. The results of this study generally indicate that Mandiri bank has an advantage in terms of lower installment costs compared to BTN and BSI.
NUMERICAL ANALYSIS OF RICE GROWTH PHASES IN KARAWANG USING THE GAUSS-JORDAN ELIMINATION METHOD Ruth Ririn Vania Siregar; Santri Chintia Purba; Bela Desy Natalia; Kornelius Anugrah Zebua
EduMatSains : Jurnal Pendidikan, Matematika dan Sains Vol 8 No 2 (2024): Januari
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/edumatsains.v8i2.5595

Abstract

Indonesia's growth cannot be separated from Indonesia's economic growth. The agricultural sector has a massive and significant impact on Indonesia's economic growth. One of the agricultural products that’s important is rice. Rice is a seasonal crop that is very necessary for human survival. Karawang, one of the districts in West Java Province, which is known as Lumbung Padi City, is the location of the main topic in making this journal. In fact, based on BPS data, the area harvested for paddy fields in Karawang from 2010-2015 was found not to have increased regularly from year to year. This is interesting to discuss because the rice harvest area is expected to increase regularly to support Indonesia's economic growth. Of course, this is because the rice harvest area will affect the amount of rice produced in the rice fields. By ignoring other internal and external factors of rice growth, this journal will only focus on rice harvest area based on rice growth phases (vegetative 1, vegetative 2, and generative) and accumulated harvest area using the Gauss Jordan elimination method. Calculations are carried out to determine the possibility of farmers to predict the maximum amount of rice production and avoid losses in purchasing materials to support rice growth
Improving Mathematics Learning Outcomes Through Interactive Electronic Modules Based on Constructivism and Cone of Experience Bela Desy Natalia; Candra Ditasona; Stevi Natalia
Jurnal Riset Pendidikan dan Inovasi Pembelajaran Matematika Vol. 9 No. 2 (2025): JRPIPM DESEMBER 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jrpipm.v9n2.p227-241

Abstract

Indonesia is projected to achieve its golden era by 2045, necessitating significant adaptation and transformation in cultivating high-quality human resources through education. However, the persistent issue of low mathematics achievement and the predominance of Teacher-Centered Learning (TCL) approaches at SMAN 14 Jakarta highlights the need for educational innovation. This study aims to design and develop an interactive electronic module grounded in constructivist pedagogy by incorporating Edgar Dale's Cone of Experience to enhance students' proficiency in the topic of counting principles. Key challenges include limited conceptual comprehension among students, inadequately aligned learning resources, and assessment strategies that fail to reflect instructional objectives. Employing a Research and Development (RnD) methodology, this study adopts the ADDIE model (Analysis, Design, Development, Implementation, and Evaluation) for systematic module development. The findings demonstrate that the module exhibits excellent validity, with mean scores for content, media, and language validation of 3.6, 3.9, and 3.8, respectively. The module further demonstrates substantial effectiveness, achieving a 70% improvement rate based on the n-gain test, which highlights a statistically significant enhancement in students' learning outcomes. Additionally, the practicality assessment yields high practicality, with an r-value exceeding the r-table and a practicality percentage of 92%. This study concludes that the developed module is highly effective in improving mathematical achievement, exhibits practical utility in instructional settings, and possesses robust validity for educational implementation.
Co-Authors Candra Ditasona Kornelius Anugrah Zebua Ruth Ririn Vania Ruth Ririn Vania Siregar Santri Chintia Purba Stevi Natalia