Article Sidebar
Main Article Content
Abstract
In daily life, banks usually not only offer their saving programs but also their stocks. This research focuses on designing a financial mathematical task for vocational high school (VHS) which is valid, practical, and has potential effects using saving and stock context. Pendidikan Matematika Realistik Indonesia (PMRI) is the approach used in this research. For the method, we used design research with a type of development studies. This research was conducted at VHS 1 at Jambi City with research subjects were the eleventh-grade students of accounting major. This research produces three financial mathematical tasks with the context of saving and stock. The results of research also found that by using saving and stock context, students became more understanding of real-world problems and wise in making decisions regarding financial problems. This research can also be used as a reference for financial mathematics teaching materials, especially for vocational high school teachers.
Keywords
Article Details
Copyright (c) 2024 M Hasbi Ramadhan, Zulkardi Ramadhan, Ratu Ilma Indra Putri, Yulia Resti
This work is licensed under a Creative Commons Attribution 4.0 International License.
This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.
All articles published Open Access will be immediately and permanently free for everyone to read and download. We are continuously working with our author communities to select the best choice of license options, Creative Commons Attribution-ShareAlike (CC BY-NC-SA).
References
- Adillah, G., Ridwan, A., & Rahayu, W. (2022). Content validation through expert judgement of an instrument on the self-assessment of mathematics education student competency. International Journal of Multicultural and Multireligious Understanding, 9(3), 780-790. http://doi.org/10.18415/ijmmu.v9i3.3738
- Aksu, H. H. & Colak, S. O. (2021). The effect of realistic mathematics education on student achievement in 8th grades geometric objects teaching. African Educational Research Journal, 9(1), 20-31. http://doi.org/10.30918/AERJ.91.20.205
- Althauser, K. & Harter, C. (2016). Math and economics: Implementing authentic instruction in grades K-5. Journal of Education and Training Studies, 4(4), 111–122. http://dx.doi.org/10.11114/jets.v4i4.1328
- Bakker, A. (2018). Design research in education: A practical guide for early career researchers. London: Routledge. https://doi.org/10.4324/9780203701010
- Bansilal, S. & Mkhwanazi, T. (2012). Mathematical literacy teachers’ engagement with contextual tasks based on personal finance. Perspectives in Education, 30(3), 98-109. https://hdl.handle.net/10520/EJC125392
- Bansilal, S. (2016). Teachers’ understanding of inflation: Developing a crystalline concept. International Journal of Mathematical Education in Science and Technology, 48(1), 83–93. https://doi.org/10.1080/0020739X.2016.1238517
- Butuner, S. O. & Baki, A. (2020). The use of history of mathematics in the mathematics classroom: An action study. International Journal of Education in Mathematics, Science and Technology (IJEMST), 8(2), 92-117. https://doi.org/10.46328/ijemst.v8i2.843
- Cavalcante, A. & Huang, H. (2022). Understanding Chinese students’ success in the PISA financial literacy: A praxeological analysis of financial numeracy. Asian Journal for Mathematics Education, 1(1), 66–94. https://doi.org/10.1177/27527263221091304
- Dituri, P., Davidson, A., & Marley-Payne, J. (2019). Combining financial education with mathematics coursework: Findings from a pilot study. Journal of Financial Counseling and Planning, 30(2), 313-322. https://doi.org/10.1891/1052-3073.30.2.313
- Ediyanto, A. & Harsasi, M. (2022). Mathematics 2 Technology Cluster for VHS/MAK Class XI (K-Merdeka) [in Bahasa]. Jakarta: Erlangga.
- Fathurrohman, M., Nindiasari, H., & Rahayu, I. (2022). A conventional and digital mathematical board game design and development for use by students in learning arithmetic. Journal on Mathematics Education, 13(4), 631-660. http://doi.org/10.22342/jme.v13i4.pp631-660
- Ferreira, S.M. & Bisognin, V. (2020). Construction of mathematical and financial concepts based on realistic mathematics education. ACTA SCIENTIAE, 22(5), 226-253. https://doi.org/10.17648/acta.scientiae.5925
- Freudenthal, H. (2002). Revisiting mathematics education: China lectures. Dordrecht: Kluwer Academic Publishers. http://doi.org/10.1007/0-306-47202-3
- Hikmah, N. H., Siswono, T. Y. E., & Zahri, M. (2021). Profile of collaborative problem solving among XI students in solving financial mathematics problems. Journal of Mathematical Pedagogy, 2(2), 82-91. https://doi.org/10.26740/jomp.v2n2.p82-91
- Joo, S. & Chatterjee, S. (2012). Financial education research opportunities. In D. Durband, & S. Britt (Eds.), Student financial literacy: Campus-based program development. (pp. 125–140). New York: Springer. https://doi.org/10.1007/978-1-4614-3505-1
- Junpeng, P., Marwiang, M., Chiajunthuk, S., Suwannatrai, P., Chanayota, K., Pongboriboon, K., Tang, K. N., & Wilson, M. (2020). Validation of a digital tool for diagnosing mathematical proficiency. International Journal of Evaluation and Research in Education, 9(3), 665–674. https://doi.org/10.11591/ijere.v9i3.20503
- Kesorn, N., Junpeng, P., Marwiang, M., Pongboriboon, K., Tang, K. N., Bathia, S., & Wilson, M. (2020). Development of an assessment tool for mathematical reading, analytical thinking, and mathematical writing. International Journal of Evaluation and Research in Education, 9(4), 955–962. https://doi.org/10.11591/ijere.v9i4.20505
- Lusardi, A. (2012). Numeracy, financial literacy, and financial decision-making. Numeracy, 5(1), 1 - 12. https://doi.org/10.5038/1936-4660.5.1.2
- Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative data analysis: A methods sourcebook (3rd Edition). Washington DC: SAGE Publications. https://doi.org/10.1177/239700221402800402
- Makonye, J. P. (2019). Towards a culturally embedded financial mathematics PCK framework. Research in Mathematics Education, 22(2), 98-116. https://doi.org/10.1080/14794802.2020.1752788
- Nusantara, D. S., Zulkardi, & Putri, R. I. I. (2021). Designing PISA-like mathematics task using a COVID-19 context (PISAComat). Journal on Mathematics Education, 12(2), 349-364. http://doi.org/10.22342/jme.12.2.13181.349-364
- Plomp, T. (2013). Educational design research: An introduction. In T. Plomp & N. Nieveen (Eds). Enschede: Netherlands Institute for Curriculum Development. https://ris.utwente.nl/ws/portalfiles/portal/14472302/
- Pournara, C. (2013). Teachers’ knowledge for teaching compound interest. Pythagoras, 34(2), A238. https://doi.org/10.4102/pythagoras.v34i2.238
- Purwitaningrum, R. & Prahmana, R. C. I. (2021). Developing instructional materials on mathematics logical thinking through the Indonesian realistic mathematics education approach. International Journal of Education and Learning, 3(1), 13-19. https://doi.org/10.31763/ijele.v3i1.178
- Ramadhan, M. H., Zulkardi, & Putri, R. I. I. (2022). Designing learning trajectory for teaching fractions using PMRI approach with a chessboard context. SJME (Supremum Journal of Mathematics Education), 6(2), 162–170. https://doi.org/10.35706/sjme.v6i2.5866
- Ramadhan, S., Arliani, E., Purbaningrum, M., & Azazih, N. L. (2023). The development of HOTS-based financial mathematics question to support student’s mathematical communication skill. Aksioma, 12(4),3657-3669. https://dx.doi.org/10.24127/ajpm.v12i4.8118
- Sari, R. P., Armiati, & Permana, D. (2021). Practicality of learning design based on realistic mathematics education of derivative topic for grade XI senior high school. J. Phys.: Conf. Ser. 1940 012105. https://doi.org/10.1088/1742-6596/1940/1/012105
- Sole, M. A. (2014). Financial literacy: An essential component of mathematics literacy and numeracy. Journal of Mathematics Education at Teachers College, 5(2), 55–62. https://doi.org/10.7916/jmetc.v5i2.655
- Sutiaharni, S. & Armiati, A. (2020). Development of mathematics learning devices based on realistic mathematics education for financial accounting expertise program in vocational high school. Journal of Physics: Conference Series, 1554(1), 012060. https://doi.org/10.1088/1742-6596/1554/1/012060
- Sutiaharni, Armiati, & Permana, D. (2021). Practicality of realistic mathematics education-based learning design of linear programming for financial accounting major in vocational high school. Journal of Physics: Conference Series, 1940(1), 012104. http://doi.org/10.1088/1742-6596/1940/1/012104
- Tamur, M., Juandi, D., & Adem, A. M. G. (2020). Realistic mathematics education in Indonesia and recommendations for future implementation: A meta-analysis study. JTAM (Jurnal Teori dan Aplikasi Matematika), 4(1), 17-27. https://doi.org/10.31764/jtam.v4i1.1786
- Van den Heuvel-Panhuizen, M., & Drijvers, P. (2020). Realistic Mathematics Education. In: Lerman, S. (eds). Encyclopedia of Mathematics Education. Singapote: Springer. https://doi.org/10.1007/978-3-030-15789-0_170
- Wilburne, J. M., Napoli, M., Keat, J. B., Dile, K., Trout, M., & Decker, S. (2007). Journeying into mathematics through storybooks: A kindergarten story. Teaching Children Mathematics, 14(4), 232–237. https://doi.org/10.5951/TCM.14.4.0232
- Zakaria, E. & Syamaun, M. (2017). The effect of realistic mathematics education approach on students’ achievement and attitudes towards mathematics. Mathematics Education Trends and Research, 1(1), 32-40. http://doi.org/10.5899/2017/metr-00093
- Zulkardi. (2002). Developing a learning environment on realistic mathematics education for indonesian student teachers. PhD Thesis. Enschede: Twente University. https://research.utwente.nl/en/publications/developing-a-learning-environment-on-realistic-mathematics-educat
- Zulkardi & Putri, R. I. I. (2019). New school mathematics curricula, PISA and PMRI in Indonesia. In: Vistro-Yu, C.P., & Toh, T.L. (Eds.). School Mathematics Curricula: Asian Perspectives and Glimpses of Reform (pp.39-49). Singapore: Springer. https://doi.org/10.1007/978-981-13-6312-2_3
- Zulkardi, Putri, R. I. I., & Wijaya, A. (2020). Two Decades of Realistic Mathematics Education in Indonesia. Singapore: Springer. https://doi.org/10.1007/978-3-030-20223-1_18
References
Adillah, G., Ridwan, A., & Rahayu, W. (2022). Content validation through expert judgement of an instrument on the self-assessment of mathematics education student competency. International Journal of Multicultural and Multireligious Understanding, 9(3), 780-790. http://doi.org/10.18415/ijmmu.v9i3.3738
Aksu, H. H. & Colak, S. O. (2021). The effect of realistic mathematics education on student achievement in 8th grades geometric objects teaching. African Educational Research Journal, 9(1), 20-31. http://doi.org/10.30918/AERJ.91.20.205
Althauser, K. & Harter, C. (2016). Math and economics: Implementing authentic instruction in grades K-5. Journal of Education and Training Studies, 4(4), 111–122. http://dx.doi.org/10.11114/jets.v4i4.1328
Bakker, A. (2018). Design research in education: A practical guide for early career researchers. London: Routledge. https://doi.org/10.4324/9780203701010
Bansilal, S. & Mkhwanazi, T. (2012). Mathematical literacy teachers’ engagement with contextual tasks based on personal finance. Perspectives in Education, 30(3), 98-109. https://hdl.handle.net/10520/EJC125392
Bansilal, S. (2016). Teachers’ understanding of inflation: Developing a crystalline concept. International Journal of Mathematical Education in Science and Technology, 48(1), 83–93. https://doi.org/10.1080/0020739X.2016.1238517
Butuner, S. O. & Baki, A. (2020). The use of history of mathematics in the mathematics classroom: An action study. International Journal of Education in Mathematics, Science and Technology (IJEMST), 8(2), 92-117. https://doi.org/10.46328/ijemst.v8i2.843
Cavalcante, A. & Huang, H. (2022). Understanding Chinese students’ success in the PISA financial literacy: A praxeological analysis of financial numeracy. Asian Journal for Mathematics Education, 1(1), 66–94. https://doi.org/10.1177/27527263221091304
Dituri, P., Davidson, A., & Marley-Payne, J. (2019). Combining financial education with mathematics coursework: Findings from a pilot study. Journal of Financial Counseling and Planning, 30(2), 313-322. https://doi.org/10.1891/1052-3073.30.2.313
Ediyanto, A. & Harsasi, M. (2022). Mathematics 2 Technology Cluster for VHS/MAK Class XI (K-Merdeka) [in Bahasa]. Jakarta: Erlangga.
Fathurrohman, M., Nindiasari, H., & Rahayu, I. (2022). A conventional and digital mathematical board game design and development for use by students in learning arithmetic. Journal on Mathematics Education, 13(4), 631-660. http://doi.org/10.22342/jme.v13i4.pp631-660
Ferreira, S.M. & Bisognin, V. (2020). Construction of mathematical and financial concepts based on realistic mathematics education. ACTA SCIENTIAE, 22(5), 226-253. https://doi.org/10.17648/acta.scientiae.5925
Freudenthal, H. (2002). Revisiting mathematics education: China lectures. Dordrecht: Kluwer Academic Publishers. http://doi.org/10.1007/0-306-47202-3
Hikmah, N. H., Siswono, T. Y. E., & Zahri, M. (2021). Profile of collaborative problem solving among XI students in solving financial mathematics problems. Journal of Mathematical Pedagogy, 2(2), 82-91. https://doi.org/10.26740/jomp.v2n2.p82-91
Joo, S. & Chatterjee, S. (2012). Financial education research opportunities. In D. Durband, & S. Britt (Eds.), Student financial literacy: Campus-based program development. (pp. 125–140). New York: Springer. https://doi.org/10.1007/978-1-4614-3505-1
Junpeng, P., Marwiang, M., Chiajunthuk, S., Suwannatrai, P., Chanayota, K., Pongboriboon, K., Tang, K. N., & Wilson, M. (2020). Validation of a digital tool for diagnosing mathematical proficiency. International Journal of Evaluation and Research in Education, 9(3), 665–674. https://doi.org/10.11591/ijere.v9i3.20503
Kesorn, N., Junpeng, P., Marwiang, M., Pongboriboon, K., Tang, K. N., Bathia, S., & Wilson, M. (2020). Development of an assessment tool for mathematical reading, analytical thinking, and mathematical writing. International Journal of Evaluation and Research in Education, 9(4), 955–962. https://doi.org/10.11591/ijere.v9i4.20505
Lusardi, A. (2012). Numeracy, financial literacy, and financial decision-making. Numeracy, 5(1), 1 - 12. https://doi.org/10.5038/1936-4660.5.1.2
Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative data analysis: A methods sourcebook (3rd Edition). Washington DC: SAGE Publications. https://doi.org/10.1177/239700221402800402
Makonye, J. P. (2019). Towards a culturally embedded financial mathematics PCK framework. Research in Mathematics Education, 22(2), 98-116. https://doi.org/10.1080/14794802.2020.1752788
Nusantara, D. S., Zulkardi, & Putri, R. I. I. (2021). Designing PISA-like mathematics task using a COVID-19 context (PISAComat). Journal on Mathematics Education, 12(2), 349-364. http://doi.org/10.22342/jme.12.2.13181.349-364
Plomp, T. (2013). Educational design research: An introduction. In T. Plomp & N. Nieveen (Eds). Enschede: Netherlands Institute for Curriculum Development. https://ris.utwente.nl/ws/portalfiles/portal/14472302/
Pournara, C. (2013). Teachers’ knowledge for teaching compound interest. Pythagoras, 34(2), A238. https://doi.org/10.4102/pythagoras.v34i2.238
Purwitaningrum, R. & Prahmana, R. C. I. (2021). Developing instructional materials on mathematics logical thinking through the Indonesian realistic mathematics education approach. International Journal of Education and Learning, 3(1), 13-19. https://doi.org/10.31763/ijele.v3i1.178
Ramadhan, M. H., Zulkardi, & Putri, R. I. I. (2022). Designing learning trajectory for teaching fractions using PMRI approach with a chessboard context. SJME (Supremum Journal of Mathematics Education), 6(2), 162–170. https://doi.org/10.35706/sjme.v6i2.5866
Ramadhan, S., Arliani, E., Purbaningrum, M., & Azazih, N. L. (2023). The development of HOTS-based financial mathematics question to support student’s mathematical communication skill. Aksioma, 12(4),3657-3669. https://dx.doi.org/10.24127/ajpm.v12i4.8118
Sari, R. P., Armiati, & Permana, D. (2021). Practicality of learning design based on realistic mathematics education of derivative topic for grade XI senior high school. J. Phys.: Conf. Ser. 1940 012105. https://doi.org/10.1088/1742-6596/1940/1/012105
Sole, M. A. (2014). Financial literacy: An essential component of mathematics literacy and numeracy. Journal of Mathematics Education at Teachers College, 5(2), 55–62. https://doi.org/10.7916/jmetc.v5i2.655
Sutiaharni, S. & Armiati, A. (2020). Development of mathematics learning devices based on realistic mathematics education for financial accounting expertise program in vocational high school. Journal of Physics: Conference Series, 1554(1), 012060. https://doi.org/10.1088/1742-6596/1554/1/012060
Sutiaharni, Armiati, & Permana, D. (2021). Practicality of realistic mathematics education-based learning design of linear programming for financial accounting major in vocational high school. Journal of Physics: Conference Series, 1940(1), 012104. http://doi.org/10.1088/1742-6596/1940/1/012104
Tamur, M., Juandi, D., & Adem, A. M. G. (2020). Realistic mathematics education in Indonesia and recommendations for future implementation: A meta-analysis study. JTAM (Jurnal Teori dan Aplikasi Matematika), 4(1), 17-27. https://doi.org/10.31764/jtam.v4i1.1786
Van den Heuvel-Panhuizen, M., & Drijvers, P. (2020). Realistic Mathematics Education. In: Lerman, S. (eds). Encyclopedia of Mathematics Education. Singapote: Springer. https://doi.org/10.1007/978-3-030-15789-0_170
Wilburne, J. M., Napoli, M., Keat, J. B., Dile, K., Trout, M., & Decker, S. (2007). Journeying into mathematics through storybooks: A kindergarten story. Teaching Children Mathematics, 14(4), 232–237. https://doi.org/10.5951/TCM.14.4.0232
Zakaria, E. & Syamaun, M. (2017). The effect of realistic mathematics education approach on students’ achievement and attitudes towards mathematics. Mathematics Education Trends and Research, 1(1), 32-40. http://doi.org/10.5899/2017/metr-00093
Zulkardi. (2002). Developing a learning environment on realistic mathematics education for indonesian student teachers. PhD Thesis. Enschede: Twente University. https://research.utwente.nl/en/publications/developing-a-learning-environment-on-realistic-mathematics-educat
Zulkardi & Putri, R. I. I. (2019). New school mathematics curricula, PISA and PMRI in Indonesia. In: Vistro-Yu, C.P., & Toh, T.L. (Eds.). School Mathematics Curricula: Asian Perspectives and Glimpses of Reform (pp.39-49). Singapore: Springer. https://doi.org/10.1007/978-981-13-6312-2_3
Zulkardi, Putri, R. I. I., & Wijaya, A. (2020). Two Decades of Realistic Mathematics Education in Indonesia. Singapore: Springer. https://doi.org/10.1007/978-3-030-20223-1_18