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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business
Mulik, Cindy Esterina N.
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Economics, Econometrics & Finance

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Urgensi Memahami Karakteristik Mahasiswa Universitas Katolik Widya Mandira Kupang dalam Pembelajaran pada Kurikulum Merdeka Mulik, Cindy Esterina N.; Nelo, Yolanda Salesiana; Dhundu, Maria Gego
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 1 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i1.1005

Abstract

This research aims to identify the urgency of understanding the characteristics of Widya Mandira Kupang Catholic University (Unwira) students in the context of learning based on the Merdeka Curriculum. The Merdeka Curriculum aims to create relevant, flexible and meaningful learning, by giving students the freedom to develop their potential holistically. The research uses a descriptive qualitative method through literature study, by analyzing 5 relevant literature sources in the last four years. The research results show that understanding student characteristics, including cognitive, social, emotional and cultural aspects, is crucial to supporting the successful implementation of the Independent Curriculum. Lecturers who understand student characteristics can adopt inclusive and adaptive learning strategies, increasing student engagement, motivation and learning outcomes. In addition, this approach helps create a learning environment that supports the development of 21st century skills and students' readiness to face the challenges of the professional and social world. This research recommends training lecturers, strengthening technological infrastructure, collaborating with students, and continuing research to increase the effectiveness of learning at Unwira. Thus, a deep understanding of student characteristics is a key element in creating higher education that is responsive, inclusive and relevant to today's needs.
Persepsi Mahasiswa FEB Unwira Kupang terhadap Investasi dan Dampaknya terhadap Pertumbuhan Ekonomi Indonesia Lonak, Putri Debora; Suban, Maria Petrosia Peni; Mulik, Cindy Esterina N.; Lawalu, Emiliana Martuti
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1127

Abstract

Economic growth is a key indicator of a nation's progress, with investment playing a strategic role as a primary driver. However, investment literacy among university students, particularly in eastern regions of Indonesia such as Kupang, remains relatively low. This study aims to explore the perceptions of students at the Faculty of Economics and Business (FEB), Widya Mandira Catholic University (Unwira) Kupang regarding investment and its impact on Indonesia's economic growth. Using a qualitative approach with a phenomenological method, the research involved semi-structured interviews with 12 students and two focus group discussions (FGDs) involving 10–15 participants each, selected based on their interest and preliminary knowledge in finance and investment. The findings indicate that most students recognize the importance of investment in economic development but have limited understanding of investment instruments, mechanisms, and associated risks. A lack of financial literacy is identified as a major barrier, although students expressed strong interest in gaining further knowledge. They also perceive investment as closely linked to macroeconomic progress, especially in job creation and infrastructure development. The study concludes that while perceptions are generally positive, structured and practical financial literacy programs are needed to bridge knowledge gaps. Such initiatives can empower students to become confident, informed investors contributing to inclusive and sustainable economic growth.
Co-Authors Dhundu, Maria Gego Emiliana Martuti Lawalu Lonak, Putri Debora Nelo, Yolanda Salesiana Suban, Maria Petrosia Peni