References
- Abylkassymova, A., Mubarakov, A., Yerkisheva, Z., Turganbayeva, Z., and Baysalov, Z. (2020). Assessment of financial literacy formation methods in mathematics education: financial computation. Int. J. Emerg. Technol. Learn. (iJET) 15: 49, https://doi.org/10.3991/ijet.v15i16.14587.
-
AFI. (2021). Policy note on digital financial literacy for ASEAN, Available at: https://asean.org/wp-content/uploads/2021/11/Annex-5-Endorsed-AFI_ASEAN_PN-1.pdf.
AFI 2021 Policy note on digital financial literacy for ASEAN Available at https://asean.org/wp-content/uploads/2021/11/Annex-5-Endorsed-AFI_ASEAN_PN-1.pdf .
- Ansar, S., Klapper, L., and Singer, D. (2023). The Importance of Financial Education for the Effective Use of Formal Financial Services (Policy Research Working Paper 10345, Issue. W. B. G. D. E. D. R. Group). Available at: https://documents1.worldbank.org/curated/en/099346003072335535/pdf/IDU06db1d7f504f4e04bdc086250f256d40d4253.pdf.
- Atkinson, A. and Messy, F.A. (2012). Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, 15.
- Batty, M., Collins, J.M., and Odders‐White, E. (2014). Experimental evidence on the effects of financial education on elementary school students’ knowledge, behavior, and attitudes. J. Consum. Aff. 49: 69–96, https://doi.org/10.1111/joca.12058.
- Blue, L.E., O’Brien, M., and Makar, K. (2017). Exploring the classroom practices that may enable a compassionate approach to financial literacy education. Math. Educ. Res. J. 30: 143–164, https://doi.org/10.1007/s13394-017-0223-5.
- Bosshardt, W. and Walstad, W.B. (2018). Does studying economics in college influence loan decisions later in life? J. Econ. Educ. 49: 130–141, https://doi.org/10.1080/00220485.2018.1438948.
- Conde, M.A., Sedano, F.J.R., Fernandez-Llamas, C., Goncalves, J., Lima, J., and Garcia-Penalvo, F.J. (2020). RoboSTEAM project systematic mapping: challenge based learning and robotics. In: 2020 IEEE global engineering education conference (EDUCON).
- Fianto, F., Prismayani, R., Wijaya, N.I., Miftahussururi, Hanifah, N., Nento, M.N., Akbari, Q.S., and Adryansyah, N. (2017). Materi Pendukung Literasi Finansial. Direktorat Jenderal Pendidikan Dasar dan Menengah, Available at: http://repositori.kemdikbud.go.id/id/eprint/11633.
- Gentles, S.J., Charles, C., Nicholas, D.B., Ploeg, J., and McKibbon, K.A. (2016). Reviewing the research methods literature: principles and strategies illustrated by a systematic overview of sampling in qualitative research. Syst. Rev. 5: 172, https://doi.org/10.1186/s13643-016-0343-0.
- Higgins, J.P.T., Chandler, J., Cumpston, M., Li, T., Page, M.J., and Welch, V.A. (2023). Cochrane handbook for systematic reviews of interventions version 6.4. Cochrane, Available at: https://www.training.cochrane.org/handbook.
- Hurtado, O.G., Casallas, W.P., and Thiriat, W.G. (2022). Teaching financial mathematics with plausible reasoning. J. Lang. Linguist. Stud. 18: 1178–1185, https://www.jlls.org/index.php/jlls/article/view/5114.
- Indefenso, E.E. and Yazon, A.D. (2020). Numeracy level, mathematics problem skills, and financial literacy. Univers. J. Educ. Res. 8: 4393–4399, https://doi.org/10.13189/ujer.2020.081005.
- India, R.B.O. (2020). National strategy for financial education (2020-2025). N. C. f. F. Education, Available at: https://ncfe.org.in/wp-content/uploads/2023/12/NSFE_20-25_ENG.pdf.
- Jeong, D.-h. and Koo, Y. (2016). Analysis of trend and convergence for science and technology using the VOSviewer. Int. J. Contents 12: 54–58, https://doi.org/10.5392/IJoC.2016.12.3.054.
- Juandi, D. (2021). Heterogeneity of problem-based learning outcomes for improving mathematical competence: a systematic literature review. J. Phys.: Conf. Ser. 1722: 012108, https://doi.org/10.1088/1742-6596/1722/1/012108.
- Kenayathulla, H.B., Ahmad Puad, N.H., and Ghani, M.F.A. (2024). Needs analysis for the development of financial literacy model in mathematics education for B40 Malaysia secondary school students. Pertanika J. Soc. Sci. Humanit. 32: 761–781, https://doi.org/10.47836/pjssh.32.2.19.
- Kitchenham, B., Pearl Brereton, O., Budgen, D., Turner, M., Bailey, J., and Linkman, S. (2009). Systematic literature reviews in software engineering – a systematic literature review. Inf. Software Technol. 51: 7–15, https://doi.org/10.1016/j.infsof.2008.09.009.
- Klapper, L., Lusardi, A., and Van Oudheusden, P. (2015). Financial literacy around the world. G. F. L. E. Center, Available at: https://gflec.org/wp-content/uploads/2015/11/Finlit_paper_16_F2_singles.pdf.
- Kozina, F.L. and Metljak, M. (2022). Integrating the contents of financial literacy in the teaching process: teachers’ perspectives. Eur. J. Educ. Res. 11: 2265–2273, https://doi.org/10.12973/eu-jer.11.4.2265.
- Kusumawati, I.B., Fachrudin, A.D., Putri, R.I.I., and Zulkardi. (2023). Infusing Islamic financial literacy in mathematics education for Islamic school. J. Math. Educ. 14: 19–34, https://doi.org/10.22342/jme.v14i1.pp19-34.
- Kuzma, I., Chaikovska, H., Levchyk, I., and Yankovych, O. (2022). Formation of financial literacy in primary school students. J. Effic. Responsib. Educ. Sci. 15: 142–155, https://doi.org/10.7160/eriesj.2022.150302.
- Liberati, A., Altman, D.G., Tetzlaff, J., Mulrow, C., Gøtzsche, P.C., Ioannidis, J.P.A., Clarke, M., Devereaux, P.J., Kleijnen, J., and Moher, D. (2009). The PRISMA statement for reporting systematic reviews and meta-analyses of studies that evaluate health care interventions: explanation and elaboration. J. Clin. Epidemiol. 62: e1–e34, https://doi.org/10.1016/j.jclinepi.2009.06.006.
- Longman, C.S., Milton, F., and Wills, A.J. (2024). Transfer of strategic task components across unique tasks that share some common structures. Q. J. Exp. Psychol. 77: 2000–2022, https://doi.org/10.1177/17470218231221046.
- Lowe, J., Butler, J., and Luu, L. (2018). Essential personal finance, https://doi.org/10.4324/9781351041669.
- Lusardi, A. and Messy, F.-A. (2023). The importance of financial literacy and its impact on financial wellbeing. J. Financ. Literacy Wellbeing 1: 1–11, https://doi.org/10.1017/flw.2023.8.
- Lusardi, A. and Mitchell, O.S. (2014). The economic importance of financial literacy: theory and evidence. J. Econ. Lit. 52: 5–44, https://doi.org/10.1257/jel.52.1.5.
- Lusardi, A., Mitchell, O.S., and Curto, V. (2010). Financial literacy among the young. J. Consum. Aff. 44: 358–380, https://doi.org/10.1111/j.1745-6606.2010.01173.x.
- Lusardi, A. and Oggero, N. (2017). Millennials and financial literacy: a global perspective. G. F. L. E. Center, Available at: https://gflec.org/wp-content/uploads/2017/07/Millennials-and-Financial-Literacy-Research-Paper.pdf.
- Mahmudi, A. and Listiyani, D.H. (2019). Analysis of students’ financial literacy skills on mathematics teaching and learning. J. Phys.: Conf. Ser. 1320: 012044, https://doi.org/10.1088/1742-6596/1320/1/012044.
- Martin, T., Sam, J.K., and Gibson, P. (2021). Financial literacy to prevent poor borrowing choices. Financ. Serv. Rev. 29: 293–314, https://doi.org/10.61190/fsr.v29i4.3464.
- Medvedieva, M., Hodovaniuk, T., and Medvedieva, A. (2022). Problems of financial content as a means of forming financial literacy of students in mathematics lessons in primary school. Věda a perspektivy 1, https://doi.org/10.52058/2695-1584-2022-1(8)-108-117.
- Mihno, L. (2021). Influence of factors promoting financial literacy on the achievements of financial literacy of students in Latvia. Human, Technol. Qual. Educ.: 364–375, https://doi.org/10.22364/htqe.2021.26.
- Moher, D., Liberati, A., Tetzlaff, J., and Altman, D.G. (2009). Preferred reporting items for systematic reviews and meta-analyses: the PRISMA statement. Bmj 339: b2535, https://doi.org/10.1136/bmj.b2535.
- Moscarola, F. and Kalwij, A. (2018). How informal education affects the financial literacy of primary school children developed in a formal educational program. CeRP WP185/18.
- Nagy, J. (2023). Economics in primary schools: an empirical experiment from Hungary. Front. Educ. 8: 1062099, https://doi.org/10.3389/feduc.2023.1062099.
-
OECD (2013). PISA 2012 assessment and analytical framework: mathematics, reading, science, problem solving and financial literacy. OECD Publishing. https://doi.org/10.1787/9789264190511-en.
OECD 2013 PISA 2012 assessment and analytical framework: mathematics, reading, science, problem solving and financial literacy OECD Publishing https://doi.org/10.1787/9789264190511-en
-
OECD. (2023). OECD/INFE 2023 International Survey of Adult Financial Literacy. OECD Business and Finance Policy Papers.
OECD 2023 OECD/INFE 2023 International Survey of Adult Financial Literacy. OECD Business and Finance Policy Papers .
-
OECD. (2024). PISA 2022 results (Volume IV): how financially smart are students? OECD Publishing.
OECD 2024 PISA 2022 results (Volume IV): how financially smart are students? OECD Publishing
- Olujinmi, O. (2023). The state of financial literacy worldwide: the leading countries, Available at: https://www.worldexcellence.com/countries-championing-financial-literacy-worldwide/.
- Özer, S. and Ersoy, A. (2022). Developing a financial literacy scale for primary school students: a validity and reliability study. Int. J. Psychol. Educ. Stud. 9: 1197–1207, https://doi.org/10.52380/ijpes.2022.9.4.817.
- Ozkale, A. and Aprea, C. (2024). A guidebook for the integration of financial literacy to mathematics courses. Int. J. Learn. Change 16: 1–27, https://doi.org/10.1504/ijlc.2024.135594.
- Ozkale, A. and Erdogan, E.O. (2020). A conceptual model for the interaction of mathematical and financial literacies. Int. J. Prog. Educ. 16: 288–304, https://doi.org/10.29329/ijpe.2020.277.18.
- Ozkale, A. and Ozdemir, E.E. (2020). An analysis of the interaction between mathematical literacy and financial literacy in PISA*. Int. J. Math. Educ. Sci. Technol. 53: 1983–2003, https://doi.org/10.1080/0020739x.2020.1842526.
- Paez, A. (2017). Grey literature: an important resource in systematic reviews. J. Evid.-Based Med. 10: 233–240, https://doi.org/10.1111/jebm.12266.
- Pigott, T.D. and Polanin, J.R. (2019). Methodological guidance paper: high-quality meta-analysis in a systematic review. Rev. Educ. Res. 90: 24–46, https://doi.org/10.3102/0034654319877153.
- Remund, D.L. (2010). Financial literacy explicated: the case for a clearer definition in an increasingly complex economy. J. Consum. Aff. 44: 276–295, https://doi.org/10.1111/j.1745-6606.2010.01169.x.
- Roberts, B., Struwig, J., Gordon, S., and Radebe, T. (2021). Financial literacy in South Africa: results from the 2020 baseline survey. Financial sector conduct authority. H. S. R. C. (HSRC), Available at: https://www.fscamymoney.co.za/Research%20Documents/Financial%20Literacy%20in%20South%20Africa%20Results%20from%20the%202020%20Baseline%20Survey.pdf.
- Rondillas, F.I. and Buan, A.T. (2019). Development of an interactive module incorporating financial literacy in teaching decimals/fraction. J. Phys.: Conf. Ser. 1340: 012049, https://doi.org/10.1088/1742-6596/1340/1/012049.
- Safronova, T., Chernousova, N., and Safronova, M. (2020). Financial literacy and financial capability: interdependence of concepts and possibilities to form them in a school course of mathematics. Propósitos y Representaciones 8, https://doi.org/10.20511/pyr2020.v8n3.504.
- Sagita, L., Putri, R.I.I., and Prahmana, R.C.I. (2023). Promising research studies between mathematics literacy and financial literacy through project-based learning. J. Math. Educ. 13: 753–772, https://doi.org/10.22342/jme.v13i4.pp753-772.
- Sagita, L., Putri, R.I.I., and Prahmana, R.C.I. (2025). Choosing the right Store: how open-ended task help middle school students learn financial literacy. Jurnal Pendidikan Matematika 19: 63–80, https://doi.org/10.22342/jpm.v19i1.pp63-80, https://jpm.ejournal.unsri.ac.id/index.php/jpm/article/view/97.Zulkardi
- Saini, N.S.A. and Rosli, R. (2021). Financial elements in teaching and learning of mathematics: a systematic review. Int. Res. Educ. 9: 1, https://doi.org/10.5296/ire.v9i1.18033.
- Santos, R., Santiago, A., and Cruz, C. (2024). Problem posing and problem solving in primary school: opportunities for the development of different literacies. Educ. Sci. 14: 97, https://doi.org/10.3390/educsci14010097.
- Sherraden, M.S., Johnson, L., Guo, B., and Elliott, W. (2010). Financial capability in children: effects of participation in a school-based financial education and savings program. J. Fam. Econ. Issues 32: 385–399, https://doi.org/10.1007/s10834-010-9220-5.
- Skagerlund, K., Lind, T., Strömbäck, C., Tinghög, G., and Västfjäll, D. (2018). Financial literacy and the role of numeracy–how individuals’ attitude and affinity with numbers influence financial literacy. J. Behav. Exp. Econ. 74: 18–25, https://doi.org/10.1016/j.socec.2018.03.004.
- Sugeng, B. and Suryani, A. (2020). Enhancing the learning performance of passive learners in a financial management class using problem-based learning. J. Univ. Teach. Learn. Pract. 17, https://doi.org/10.53761/1.17.1.5.
- Suhana, P.L., Maryanti, R., and Wulandary, V. (2021). Building motivation in saving on elementary school students through financial literacy. Indones. J. Multidiscip. Res. 2: 131–136, https://doi.org/10.17509/ijomr.v2i1.38657.
- Sunderaraman, P., Barker, M., Chapman, S., and Cosentino, S. (2020). Assessing numerical reasoning provides insight into financial literacy. Appl. Neuropsychol.: Adult 29: 710–717, https://doi.org/10.1080/23279095.2020.1805745.
- Tanase, M.F. and Lucey, T.A. (2016). Pre-service teachers’ awareness of interdisciplinary connections: mathematics, financial literacy, and social justice issues. Invest. Math. Learn. 9: 2–18, https://doi.org/10.1080/19477503.2016.1245027.
-
UNCDF. (2023). ASEAN monitoring progress 2022 – financial inclusion in selected ASEAN countries, Available at: https://asean.org/wp-content/uploads/2023/04/ASEAN-Monitoring-Progress-2022-UNCDF.pdf.
UNCDF 2023 ASEAN monitoring progress 2022 – financial inclusion in selected ASEAN countries Available at https://asean.org/wp-content/uploads/2023/04/ASEAN-Monitoring-Progress-2022-UNCDF.pdf
-
UNESCO, Team, G.E.M.R., Bank, W., and Statistics, U.I.f. (2023). Education finance watch 2023. UNESCO, Available at: https://unesdoc.unesco.org/ark:/48223/pf0000387042.
UNESCO, Team, G.E.M.R., Bank W. Statistics U.I.f. 2023 Education finance watch 2023 UNESCO Available at https://unesdoc.unesco.org/ark:/48223/pf0000387042
- Wang, J.-S. (2023). Enhancing finance students’ learning effectiveness and motivation: application of financial simulation game. Int. J. Emerg. Technol. Learn. (iJET) 18: 102–112, https://doi.org/10.3991/ijet.v18i21.43917.
- Wann, C. (2017). The impact of teaching financial literacy to college students. J. Econ. Finance Educ. 16: 98–109.
- Wiedarti, P., Laksono, K., and Retnaningdyah, P. (2018). Desain induk Gerakan Literasi Sekolah. Direktorat Jenderal Pendidikan Dasar dan Menengah, Available at: http://repositori.kemdikbud.go.id/id/eprint/8612.
- Williams, P., Morton, J.K., and Christian, B.J. (2020). Enhancing financial literacy in children 5–12 years old using authentic learning within a school market garden programme. Education 3–13, 50: 361–374, https://doi.org/10.1080/03004279.2020.1851741.
- Yeo, J.K.K. (2016). Infusing financial literacy in primary mathematics: A proposed framework for instruction. In: Aprea, C., Wuttke, E., Breuer, K., Koh, N.K., Davies, P., Greimel-Fuhrmann, B., and Lopus, J.S. (Eds.). International handbook of financial literacy. Springer, Singapore, pp. 603–616.
- Yong, H.-N.A. and Tan, K.-L. (2017). The influence of financial literacy towards risk tolerance. Int. J. Bus. Soc. 18: 469–484, https://doi.org/10.33736/ijbs.3139.2017.