Developing a Financial Literacy Guidebook for Families Using the ADDIE Model: A Nonformal Education Approach
Keywords:
This research concludes that this guidebook is effective as a non-formal learning medium in enhancing family financial literacyAbstract
This study aims to develop a non-formal educational guidebook titled ‘Mengelola Keuangan Keluarga dengan Bijak’ to enhance financial literacy, particularly among housewives, using the ADDIE instructional design model. The research employed a Research and Development (R&D) approach through the five phases of ADDIE: Analyze, Design, Develop, Implement, and Evaluate. Expert validation was conducted by two assessors, yielding average scores of 3.47 and 3.94, categorized as “very valid,” indicating the guidebook’s feasibility for use in non-formal educational contexts. A limited implementation involving 15 housewives demonstrated that 93.3% of participants understood the material, while 80% found the guidebook highly beneficial in managing family finances. In addition to theoretical content, the guidebook integrates contextual and reflective worksheets based on real-life financial scenarios, promoting experiential and transformative learning. This approach allows learners to not only acquire knowledge but also reflect on financial behaviors and make informed decisions in their household economy. The guidebook’s structure emphasizing flexibility, relevance, and problem-solving orientation. The findings suggest that the guidebook is an effective, practical, and accessible educational tool that empowers adult learners and supports family resilience. Furthermore, it offers a replicable model for expanding financial literacy within community-based non-formal education initiatives and aligns with national efforts to reduce the gap between financial inclusion and financial understanding.
References
Branch, R. M. (2009). Instructional design: The ADDIE approach. Springer Science & Business Media.
Deci, E. L., & Ryan, R. M. (2000). The “what” and “why” of goal pursuits: Human needs and the self-determination of behavior. Psychological Inquiry, 11(4), 227–268. https://doi.org/10.1207/S15327965PLI1104_01
Fitri, M. A., Wahyuni, S., & Arsyad, M. (2021). The role of motivation-based financial literacy education on family resilience. Jurnal Pendidikan Keluarga, 10(2), 98–110.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Klapper, L., Lusardi, A., & van Oudheusden, P. (2015). Financial Literacy Around the World: Insights from the Standard & Poor’s Ratings Services Global Financial Literacy Survey. Global Financial Literacy Excellence Center (GFLEC). Available at: https://gflec.org/wp-content/uploads/2015/11/Finlit_paper_16_F2_singles.pdf
Knowles, M. S. (1984). The adult learner: A neglected species (3rd ed.). Gulf Publishing Company.
Kolb, D. A. (1984). Experiential learning: Experience as the source of learning and development. Prentice Hall.
Lave, J., & Wenger, E. (1991). Situated learning: Legitimate peripheral participation. Cambridge University Press.
Mardiyah, H., Sulaiman, R., & Fitriana, D. (2023). Family-based financial education and its effect on economic resilience: A study on Indonesian housewives. Jurnal Pendidikan Nonformal, 8(1), 20–31.
Mezirow, J. (1991). Transformative dimensions of adult learning. Jossey-Bass.
Nasution, A. D., & Fitriani, D. (2019). Community-based financial education: An approach to empower family economic literacy. Jurnal Pemberdayaan Masyarakat, 4(1), 33–44.
Nederhof, A. J. (1985). Methods of coping with social desirability bias: A review. European Journal of Social Psychology, 15(3), 263–280. https://doi.org/10.1002/ejsp.2420150303
OECD. (2016). OECD/INFE international survey of adult financial literacy competencies. OECD Publishing. https://www.oecd.org/finance/oecd-infe-survey-adult-financial-literacy-competencies.htm
Otoritas Jasa Keuangan. (2022). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2022. Jakarta: OJK. Available at: https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Rosmilawati, I., Purwaningsih, N., & Tanzil, M. F. (2024). Pendidikan Orang Dewasa. Serang: Untirta Press.
Sugiyono. (2015). Metode penelitian dan pengembangan (Research and Development/R&D). Alfabeta.
UNESCO. (2017). Education for Sustainable Development Goals: Learning Objectives. Paris: United Nations Educational, Scientific and Cultural Organization.
