E-Book Berbasis AR dengan CBL SDGs : Meningkatkan Literasi Keuangan pada Siswa Sekolah Dasar
DOI:
https://doi.org/10.61227/arji.v7i4.578Keywords:
literasi keuangan, augmented reality, e-book, challenge-based learning, sustainable development goals, pendidikan dasarAbstract
Financial literacy is a crucial life skill that must be developed from an early age, yet Indonesia’s financial literacy index remains relatively low despite broader access to financial services. This study examines the effectiveness of an Augmented Reality (AR)-enhanced e-book integrated with Challenge-Based Learning (CBL) and Sustainable Development Goals (SDGs) in improving financial literacy among elementary students. A total of 240 fourth-grade students from four public schools participated in a mixed-methods design, divided into experimental and control groups. Data were collected through pre- and post-tests, questionnaires, interviews, and observations. Results showed that the experimental groups achieved higher post-test scores and medium N-Gain values (0.45–0.49), whereas the control groups remained in the low category (0.19–0.22). Statistical analysis further confirmed significant treatment effects, with Group factor values ranging from F = 16.72–20.08; p < .05, indicating that improvements were attributable to the AR-based intervention rather than initial ability differences. The Pre-test factor also showed significance (p < .05), yet the intervention demonstrated a stronger influence, supported by moderate-to-large effect sizes (Partial η² = 0.22–0.26). The study concludes that AR-based CBL–SDGs e-books effectively enhance financial literacy and foster meaningful learning experiences in primary education.
Downloads
References
Akçayır, M., & Akçayır, G. (2019). Advantages and challenges associated with augmented reality for education: A systematic review of the literature. Educational Research Review, 28, 100291. https://doi.org/10.1016/j.edurev.2019.100291
Bacca-Acosta, J., Baldiris, S., Fabregat, R., Graf, S., & Kinshuk. (2022). Augmented reality trends in education: A systematic review of research and applications. Educational Technology & Society, 25(1), 1–15. https://doi.org/10.30191/ETS.2022.25.1.1
Braun, V., & Clarke, V. (2021). Thematic analysis: A practical guide. SAGE.
Chiang, T. H., Yang, S. J., & Hwang, G. J. (2022). Students’ online interactive patterns in augmented reality-based inquiry learning activities. Computers & Education, 182, 104463. https://doi.org/10.1016/j.compedu.2022.104463
Cohen, L., Manion, L., & Morrison, K. (2018). Research methods in education (8th ed.). Routledge.
Creswell, J. W., & Creswell, J. D. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE.
Creswell, J. W., & Plano Clark, V. L. (2018). Designing and conducting mixed methods research (3rd ed.). SAGE.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340.
Fetters, M. D., & Molina-Azorin, J. F. (2020). Utilizing a mixed methods approach for conducting interventional evaluations. Journal of Mixed Methods Research, 14(2), 131–144.
Field, A. (2018). Discovering statistics using IBM SPSS statistics (5th ed.). SAGE.
Garzón, J., & Acevedo, J. (2020). Meta-analysis of the impact of Augmented Reality on students’ learning gains. Educational Research Review, 31, 100329. https://doi.org/10.1016/j.edurev.2020.100329
Kolb, D. A. (2015). Experiential learning: Experience as the source of learning and development (2nd ed.). Pearson Education.
Liu, M., McKelroy, E., & Korfiatis, N. (2021). Challenge-based learning for financial literacy education: Opportunities and challenges. Journal of Education for Business, 96(6), 351–360. https://doi.org/10.1080/08832323.2020.1790278
Merchant, Z., Goetz, E., Cifuentes, L., Keeney-Kennicutt, W., & Davis, T. (2020). Effectiveness of virtual reality-based instruction on students’ learning outcomes in K-12 and higher education: A meta-analysis. Computers & Education, 145, 103730. https://doi.org/10.1016/j.compedu.2019.103730
Kurniasih, E., Sutrisno, S., & Prasetyo, H. (2023). Implementation of augmented reality-based thematic textbooks to improve literacy skills in elementary students. Pegem Journal of Education and Instruction, 13(4), 203–214. https://doi.org/10.47750/pegegog.13.04.18
Nichols, M., & Cator, K. (2020). Challenge-Based Learning Guide. Digital Promise. https://www.challengebasedlearning.org
OECD. (2019). OECD/INFE toolkit for measuring financial literacy and financial inclusion. OECD Publishing.
OECD. (2020). Education in the digital age: Healthy and inclusive learning. OECD Publishing.
Otoritas Jasa Keuangan. (2020). Survei nasional literasi dan inklusi keuangan 2020. https://www.ojk.go.id
Ozdemir, M. (2021). Using augmented reality applications in primary school science education. Applied Sciences, 11(11), 5277. https://doi.org/10.3390/app11115277
Panchenko, O., Sokolova, O., & Volkova, I. (2024). Augmented reality books: In-depth insights into children’s reading engagement. Frontiers in Psychology, 15, 1423163. https://doi.org/10.3389/fpsyg.2024.1423163
Retnawati, H., Munadi, S., & Arlinwibowo, J. (2021). Developing financial literacy among primary school students: The role of contextual teaching. Journal of Education and Learning, 15(2), 307–314.
Santos, M. E. C., Chen, A., Taketomi, T., Yamamoto, G., Miyazaki, J., & Kato, H. (2021). Augmented reality learning experiences: Survey of prototype design and evaluation. Computers & Education, 148, 103802. https://doi.org/10.1016/j.compedu.2019.103802
Sari, R. C., Fatimah, P. L. R., Ilyana, S., & Hermawan, H. D. (2022). Augmented reality-based sharia financial literacy system: A new approach to virtual sharia financial education for young learners. International Journal of Islamic and Middle Eastern Finance and Management, 15(4), 747–765. https://doi.org/10.1108/IMEFM-11-2019-0484
Sari, R. C., Aisyah, M. N., Ilyana, S., & Hermawan, H. D. (2022). Developing a financial literacy storybook for early childhood in an augmented reality context. Indonesian Journal of Early Childhood Education Studies, 11(1), 55–64. https://doi.org/10.15294/ijeces.v11i1.58235
Tan, J. P. L., Choo, S. S., & Kang, T. (2022). Critical financial literacy: Integrating sustainability into financial education. Journal of Curriculum Studies, 54(5), 683–699. https://doi.org/10.1080/00220272.2021.1997781
UNESCO. (2022). Reimagining our futures together: A new social contract for education. UNESCO Publishing.
United Nations. (2021). The Sustainable Development Goals report 2021. United Nations. https://unstats.un.org/sdgs/report/2021/
Zhang, Y., Zhou, X., & Wang, X. (2022). Technology-enhanced financial literacy education: A systematic review and meta-analysis. Educational Technology Research and Development, 70(4), 1437–1461. https://doi.org/10.1007/s11423-022-10074-1
Additional Files
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Authors

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Similar Articles
- Maria Ines Teresa Pare, Maria Patrisia Wau, Yohanes Vianey Sayangan, Dek Ngurah Laba Laksana, Inovasi Pembelajaran IPAS melalui Pengembangan Media Powerpoint Interaktif Berbasis Pendekatan Saintifik pada Siswa Kelas IV SDN Natakupe , Action Research Journal Indonesia (ARJI): Vol. 7 No. 1 (2025): Action Research Journal Indonesia (ARJI)
- Sri Wahyuni, Afni Raisya Lestari, Mela Mulyani, M Tazudin Zuhri, Nenden Munawaroh, Masripah Masripah, Sejarah Kepemimpinan Utsman Bin Affan: Analisis Peranannya dalam Perkembangan Peradaban Islam , Action Research Journal Indonesia (ARJI): Vol. 7 No. 2 (2025): Action Research Journal Indonesia (ARJI)
- Silsiliah Ghina Cokro, Esti Raihana, Developing English Learning Media with Videos to Enhance Vocabulary Mastery in Expository Texts for 11th-Grade Students at SMAN 8 Pekanbaru , Action Research Journal Indonesia (ARJI): Vol. 7 No. 3 (2025): Action Research Journal Indonesia (ARJI)
- Rifqi Khairul Anam, Growing Public Concern Towards the Implementation of Inclusive Education , Action Research Journal Indonesia (ARJI): Vol. 6 No. 3 (2024): Action Research Journal Indonesia (ARJI)
- Ade Erlangga, Imam Syafei, Erlina Erlina, Pengelolaan Eco-Pesantren dalam Membangun Pendidikan Pesantren Ramah Lingkungan di Pondok Pesantren Darunnajah Lampung Timur dan Pondok Pesantren Darul Muttaqin Metro , Action Research Journal Indonesia (ARJI): Vol. 7 No. 3 (2025): Action Research Journal Indonesia (ARJI)
- Nurul Nikmatul Imda, Ahmad Saefudin, Application of Learning Model Student Teams Achievement Divisions (STAD) in Developing the Attitude of Cooperation and Creativity of Students in the Subjects of Islamic Religious Education and Ethics in Class V SD Negeri 3 Bulungan , Action Research Journal Indonesia (ARJI): Vol. 7 No. 4 (2025): Action Research Journal Indonesia (ARJI)
- Nilufar Parda Qizi Omonova, Developing Information Work Competence of Future Primary Education Teachers: An Integrative Pedagogical Model , Action Research Journal Indonesia (ARJI): Vol. 8 No. 2 (2026): Action Research Journal Indonesia (ARJI)
- Shaibu K. Shaibu , Prospery M. Mwila, Teachers' Professional Code of Conduct and its Application on Teaching Professionalism: A Case Study of Kigoma Ujiji,Tanzania , Action Research Journal Indonesia (ARJI): Vol. 7 No. 2 (2025): Action Research Journal Indonesia (ARJI)
- Siti Wahyuni, Peningkatan Hasil Belajar Siswa Mata Pelajaran Akidah Akhlak Melalui Metode Resitasi di Mts Raudlatut Tholabah , Action Research Journal Indonesia (ARJI): Vol. 5 No. 2 (2023): Action Research Journal Indonesia (ARJI)
- Iin Kurniawati, Luthfiyah Luthfiyah, Nuraini Nuraini , Dampak Game online Terhadap Aktivitas Belajar Siswa pada Pelajaran Akidah Ahlak MAN 1 Kota Bima , Action Research Journal Indonesia (ARJI): Vol. 7 No. 2 (2025): Action Research Journal Indonesia (ARJI)
<< < 32 33 34 35 36 37 38 39 > >>
You may also start an advanced similarity search for this article.
Most read articles by the same author(s)
- Dwi Nurul Desilawati, Ira Restu Kurnia, Inovasi Media Monalisa sebagai Upaya Meningkatkan Literasi Budaya Siswa Kelas IV Sekolah Dasar , Action Research Journal Indonesia (ARJI): Vol. 7 No. 4 (2025): Action Research Journal Indonesia (ARJI)


