Development of AKM (Minimum Competency Assessment) Instrument for Students' Financial Literacy on Money and Investment Material in Class XI IPS SMAN 1 Long Apari

Rukdianti Aslinda Asnur, Ni Ketut Widiartini, I Gede Sudirtha


The objectives to be achieved in this study are to design the AKM (Minimum Competency Assessment) instrument model of financial literacy of students of SMAN 1 Long Apari class XI IPS on Money and Investment Material. To test the quality of AKM (Minimum Competency Assessment) instrument of financial literacy of students of SMAN 1 Long Apari class XI IPS on Money and Investment Material. This research includes development research or R&D (Research and Developmet), with 4D development procedures (Define, Design, Developt and Deseminate). The research subjects were 3 classes at level XI IPS with a total of 70 students, which were divided into two trial groups, namely in the large group of 60 students obtained from 6 times the number of test items developed. While in determining the amount of test subjects in the small group in this study were 20 students. The data analysis used passed the content validity test stage, instrument validity, reliability, difficulty level and question differentiation. The results of data analysis show that this instrument has passed the test of content validity, instrument validity, reliability, difficulty level, and question differentiation. Thus, this financial literacy AKM instrument can be used as an effective tool to measure students' competency level in money and investment materials.


Financial Literacy, Minimum Competency Assessment, Money & Investment Materials, 4D Development Procedure.

Full Text:



Aini, Shafira Wardatul, and Muhammad Mukhlis. "Analisis Taksonomi pada Soal Asesmen Kompetensi Minimum Literasi Membaca di SMK Negeri 3 Pekanbaru." Diglosia: Jurnal Kajian Bahasa, Sastra, dan Pengajarannya 5.4 (2022): 933-948.

Aisyah, Ali, Yuliana S. Chelsi, and Ristiani Ria. "Analysis of Ability to Prepare Learning Evaluation Minimum Competency Assessment (AKM) during the Covid 19 Pandemic at SD Negeri 3 Abepura, Jayapura City." Journal of Educational Analytics 2.1 (2023): 131-140.

Ameliawati, Meli, and Rediana Setiyani. "The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable." KnE Social Sciences (2018): 811-832.

Hanafi, Adnan Musafa. "Asesmen Kompetensi Minimum Sebagai Transformasi Pendidikan di Sekolah Dasar." Kwangsan: Jurnal Teknologi Pendidikan 10.2 (2022): 204-220.

Irawan, Bambang, et al. "Development planning to accelerate Sustainable Development Goals (SDGs) in Mahakam Ulu District as a New Autonomous Region Perencanaan Pembangunan untuk Percepatan Tujuan Pembangunan Berkelanjutan (SDGs) di Kabupaten Mahakam Ulu sebagai Daerah Otonomi Baru." Masyarakat, Kebudayaan dan Politik 34.2 (2021): 184-195.

Isnaini, Ahmad. "Asesmen Kompetensi Minimum Ditinjau Secara Filsafat Pendidikan." Idealmathedu: Indonesian Digital Journal of Mathematics and Education 8.2 (2021): 102-107.

Jhally, Sut. Enlightened racism: The Cosby Show, audiences, and the myth of the American dream. Routledge, 2019.

McGrath, Ian. Teaching materials and the roles of EFL/ESL teachers: Practice and theory. A&C Black, 2013.

Mien, Nguyen Thi Ngoc, and Tran Phuong Thao. "Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam." Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference). Vol. 10. No. 5. 2015.

Pesando, Luca Maria. "Does financial literacy increase students’ perceived value of schooling?." Education Economics 26.5 (2018): 488-515.

Pontell, Henry N., William K. Black, and Gilbert Geis. "Too Big to Fail, Too Powerful to Jail? On the Absence of Criminal Prosecutions after the 2008 financial meltdown." Crime, Law and Social Change 61 (2014): 1-13.

Putri, Rahmatia Eka, et al. "The Influence of Financial Literacy, Self-Control and Parents's Socio Economic Status on Students Consumptive Behavior." PUBLIC POLICY (Jurnal Aplikasi Kebijakan Publik & Bisnis) 3.2 (2022): 125-140.

Reich, Catherine M., and Jeffrey S. Berman. "Do Financial Literacy Classes Help? An Experimental Assessment in a Low-Income Population." Journal of Social Service Research 41.2 (2015): 193-203.

Selleri, Patrizia, and Felice Carugati. "Errare humanum est! A Socio-Psychological Approach to a “Climbing Mount Fuji” PISA question." European Journal of Psychology of Education 33 (2018): 489-504.

Shara, Afifa May, et al. "Correlating Reading Literacy and Writing Literacy in Junior High School Pematangsiantar." Journal of English Education 5.2 (2020): 72-85.

Siegel, Harvey. Educating reason. Routledge, 2013.

Sjøberg, Svein. "PISA and Global Educational Governance–A Critique of the Project, Its Uses and Implications." Eurasia Journal of Mathematics, Science and Technology Education 11.1 (2015): 111-127.

Stein, Sharon. "Reimagining Global Citizenship Education for a Volatile, Uncertain, Complex, and Ambiguous (VUCA) world." Globalisation, Societies and Education 19.4 (2021): 482-495.

Totenhagen, Casey J., et al. "Youth Financial Literacy: A Review of Key Considerations and Promising Delivery Methods." Journal of Family and Economic Issues 36 (2015): 167-191.

Trisnani, Sifa Asri, et al. "Consumption Behavior and the lack of financial literacy among teens." Journal of Islamic Economics, Management, and Business (JIEMB) 1.1 (2020): 191-206.

Xiao, Jing Jian, et al. "Earlier financial literacy and Later Financial Behaviour of College Students." International Journal of Consumer Studies 38.6 (2014): 593-601.

Yusupova, Gulnaz F., JĂłzef Podgorecki, and Nadezhda G. Markova. "Educating Young People in Multicultural Educational Environment of Higher Education Institution." International Journal of Environmental and Science Education 10.4 (2015): 561-570.



  • There are currently no refbacks.

Copyright (c) 2023 Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan

Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan

index by:


Publish by:

Sekolah Tinggi Ilmu Al-Qur'an Amuntai

Contact us:

Address: Jl. Rakha Pakapuran, Amuntai Utara
Kabupaten : Hulu Sungai Utara
Kode Pos : 71471
Provinsi : Kalimantan Selatan
Telephone : 085251613000


Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.