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Rizal, Moch. Deni
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Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Foreign Language Influence on Financial Literacy and Risk Behavior among High School Students Rizal, Moch. Deni; Dewi, Maria Rosa Kumala; Mariani, Melania Lulut
Research Horizon Vol. 5 No. 2 (2025): Research Horizon - April 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.2.2025.544

Abstract

Financial literacy is an essential skill for the 21st century, yet understanding is often limited, especially when delivered in a foreign language. This study aims to examine the impact of foreign language on risk taking, financial attitudes and behavior of High School Students in Surakarta, with a focus on risk taking values, financial attitudes, and financial behavior. The research is conducted in two stages: the first stage conceptualizes the influence of teaching media (TM) and the native language on risk-taking, while the second stage analyzes its impact on financial attitudes and behaviors. The results show that both the use of English and the native language significantly affect students' risk-taking values, which in turn influence their financial attitudes and behaviors. These findings support the Foreign Language Effect theory, which suggests that foreign language can reduce emotional bias and facilitate more rational decision-making. This study highlights the importance of bilingual financial literacy education that considers the influence of language and culture in enhancing financial risk understanding and making more informed financial decisions.
Enhancing Tourism Destination Services and Promotion Through IT-Based Management Budiningtyas, R.R. Erna Sadiarti; Zega, Imanuel; Rizal, Moch. Deni; Jayanawi, Briggitta Hernya Only; Dangga, Sebastianus
Research Horizon Vol. 5 No. 3 (2025): Research Horizon - June 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.3.2025.671

Abstract

Baluwarti Village, Surakarta, is a cultural heritage area with tourism potential that has not been optimized due to manual marketing and lack of financial literacy. This community service activity aims to improve the quality of services, marketing, and income of micro, small, and medium enterprises through information technology and training. The methods used include training on local potential, break-even point calculation, website management, and mentoring for the Teman Solo Community. The results showed 85 percent of participants understood the tourism potential of Baluwarti, the selling price of micro, small, and medium enterprises' products decreased by 15 percent after the break-even point training, and the Baluwarti Experience website processed 50 online bookings in two months. Tourist visits increased from 30 to 70 people per month, with micro, small, and medium enterprises' income increasing by 22 percent. Tourist satisfaction also increased from a score of 3.8 to 4.3 on a scale of 5. This activity successfully empowered the community through digitization and financial literacy, supported the sustainability of culture-based tourism, and can be replicated in other destinations.
Co-Authors Dangga, Sebastianus Imanuel Zega Jayanawi, Briggitta Hernya Only Maria Rosa Kumala Dewi Mariani, Melania Lulut RR. Erna Sadiarti Budiningtyas