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All Journal Discreet: Journal Didache of Christian Education Apostolos: Journal of Theology and Christian Education
Messakh, Merling
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Financial Counseling: Financial Ethics and Consumer Psychology to Reduce the Risk of Online Loans for Kupang Students: Financial Counseling: Financial Ethics and Consumer Psychology to Reduce the Risk of Online Loans for Kupang Students Messakh, Merling; Ufi , Delsylia Tresnawaty
APOSTOLOS Vol 4 No 2 (2024): November
Publisher : Institut Agama Kristen Negeri Kupang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52960/a.v4i2.401

Abstract

This study explores the role of financial counseling that integrates money ethics and consumer psychology in mitigating the risk of online loan use by university students in Kupang City. This study is motivated by the increasing use of online loans which often leads to negative impacts, including financial problems and psychological distress. Using a qualitative approach, data was collected through in-depth interviews with university students and analysis of related literature. The results showed that an understanding of money ethics and psychological awareness in financial management have a significant impact on reducing the risks associated with the use of online loans. Financial counseling that focuses on the integration of money ethics and consumer psychology proved effective in helping university students manage their finances more wisely/while improving their financial resilience. Policy recommendations resulting from this research include the development of a campus-based financial counseling program tailored to students' needs, as well as the strengthening of financial literacy and ethics in the higher education curriculum. This research contributes to the development of contextually relevant risk mitigation strategies
PENGEMBANGAN MEDIA PEMBELAJARAN POP UP BOOK TEMA BAHTERA NUH DI KELAS I SD SWASTA ANGKASA PENFUI : PENGEMBANGAN MEDIA PEMBELAJARAN POP UP BOOK TEMA BAHTERA NUH DI KELAS I SD SWASTA ANGKASA PENFUI Messakh, Merling; Betty, Bonita; Purnomo, Catur; Hermin; Liufeto, Martin
Discreet: Journal Didache of Christian Education Vol. 5 No. 1 (2025): June
Publisher : Institut Agama Kristen Negeri Kupang

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Abstract

Penelitian ini mengembangkan sebuah produk berupa media pembelajaran pop up book yang valid dan layak digunakan dalam proses pembelajaran Pendidikan Agama Kristen. Penelitian ini dilatar belakangi oleh kurang efektifnya penggunaan media pembelajaran oleh pendidik dalam proses pembelajaran sehingga siswa cepat jenuh dan melakukan aktivitas lain seperti bercerita dengan teman, berjalan keliling dalam ruangan kelas. Penelitian ini bertujuan untuk mengembangan media pembelajaran berupa media pembelajaran pop up book dan respon dari setiap peserta didik terhadap media pembelajaran pop up book di kelas 1 Sekolah Dasar Swasta Angkasa Penfui. Metode penelitian dalam pengembangan media pembelajaran ini, menggunakan metode langkah-langkah pengembangan (Research and Development) dengan model pengembangan analysis, design, development, implementation, and evaluation (addie). Jumlah subyek penelitian yang digunakan adalah 14 peserta didik yaitu dalam uji coba kelompok kecil berjumlah 4 peserta didik dan uji coba kelompok besar berjumlah 10 peserta didik. Teknik analisis data yang digunakan adalah kualitatif dan kuantitatif. Penelitian pengembangan media pembelajaran pop up book tema “Bahtera Nuh” untuk siswa kelas 1 SD pada mata pelajaran Pendidikan Agama Kristen diperoleh hasil penilaian ahli desain dengan jumlah nilai 40 dengan presentase 100% dinyatakan sangat valid, ahli media diperoleh hasil penilaian 39 dengan presentase 97,5% dinyatakan sangat valid, ahli materi atau isi diperoleh hasil penilaian 39 dengan presentase 97,5% dinyatakan sangat valid.
Co-Authors Betty, Bonita Catur Purnomo Hermin Liufeto, Martin Ufi , Delsylia Tresnawaty