Development of Interactive Context-Based Learning Multimedia to Improve Students' Understanding of Payment Systems and Instruments

Crossmark

Article Sidebar

Page Numbers: 3830-3842
Download PDF
Published: Jul 17, 2026
Digital Object Identifier: 10.58578/mikailalsys.v4i2.11257
Save this to:
Save to Mendeley Download RIS

Article Metrics:
Viewed: 1 times
Downloaded: 0 times
Article can trace at:

Author Fee:
Free Publication Fees for Foreign Researchers (USD 0.00)
Check for article on SINTA:

LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers

Connected Papers:
Connected Papers

Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.

Authors:
Erda Erlina Putri1*, Muhammad Abdul Ghofur2
Copyright :

Authors retain copyright and grant the journal right of first publication.


Main Article Content

Erda Erlina Putri
State University of Surabaya, Indonesia
Muhammad Abdul Ghofur
State University of Surabaya, Indonesia

Abstract

Students’ limited understanding of payment systems and payment instruments is associated with the complex and abstract nature of the material and the limited capacity of existing instructional media to visualize concepts and promote active engagement. This study aimed to develop feasible context-based interactive learning multimedia for payment systems and payment instruments and evaluate its effectiveness in improving students’ conceptual understanding. The study employed a Research and Development approach using the 4D model—Define, Design, Develop, and Disseminate—implemented through the Development stage. A limited trial involving 25 students from Class X-7 at SMA Negeri Bareng was conducted using a one-group pretest–posttest design. The developed multimedia was rated highly feasible, receiving validation scores of 81.17% from the media expert, 83.07% from the subject-matter expert, and 82.22% from the language expert. The Wilcoxon signed-rank test indicated a significant difference between students’ pretest and posttest scores (p < .001). The N-gain analysis yielded an average score of 0.7560, equivalent to 75.60%, which was categorized as high. These findings demonstrate that context-based interactive multimedia is highly feasible and effective in improving students’ understanding of payment systems and payment instruments within the limited trial. The study contributes a pedagogically relevant digital learning resource that integrates contextual visualization and interactive activities to support conceptual understanding and active learning in economics education.

Keywords:
Share Article:

Citation Metrics:

 Scopus



Downloads

Download data is not yet available.

Scopus Citation Data

Citation data unavailable
Check Secondary Documents in Scopus
Open this article in Scopus, then check the Secondary documents tab. Use Manual Citation Fallback only for counts you have verified manually.
Open in Scopus
Similar Scopus Articles
Scopus
  1. Khabiyev A.T. (2027)
    Use of Industrial By-products from Metallurgical Production for the Development of Heat-Resistant Building Mixes and their Molding in an Improved Device
    Kompleksnoe Ispolzovanie Mineralnogo Syra, 341(2), 16-26
  2. Irawati R. (2027)
    Enhancing accounting students’ writing performance through problem-based learning: Evidence from a vocational higher education context
    Multidisciplinary Science Journal, 9(1)
  3. Naemi Z. (2027)
    The Relationship between Second Language Learning Strategies, Learning Engagement, and Writing Skill in the Arabic Writing Curriculum
    Language Related Research, 17(4), 331-360

Article Details

How to Cite
Putri, E. E., & Ghofur, M. A. (2026). Development of Interactive Context-Based Learning Multimedia to Improve Students’ Understanding of Payment Systems and Instruments. Journal of Multidisciplinary Science: MIKAILALSYS, 4(2), 3830-3842. https://doi.org/10.58578/mikailalsys.v4i2.11257

Creative Commons License
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

References

Abadi, A. K., Dewi, I. S., Islam, S., Pratama, O. P. A., Kristiono, A. A., & Wijaya, M. B. (2024). Interactive learning media development in Purwokerto City: Cognitive aspects of school basketball. Retos, 58, 891–902. https://doi.org/10.47197/retos.v58.106613

Anderson, L. W., Krathwohl, D. R., Airasian, P. W., Cruikshank, K. A., Mayer, R. E., Pintrich, P. R., Raths, J., & Wittrock, M. C. (2001). A taxonomy for learning, teaching, and assessing: A revision of Bloom’s taxonomy of educational objectives. Longman.

Arum, W. S. A., Khalilah, H. N., Marini, A., Yarmi, G., Safitri, D., & Dewiyani, L. (2025). Managing students’ learning interest in civics learning through a Genially-based interactive multimedia. Journal of Education and Learning, 19(2), 658–664. https://doi.org/10.11591/edulearn.v19i2.21264

Chand, S. P. (2023). Constructivism in education: Exploring the contributions of Piaget, Vygotsky, and Bruner. International Journal of Science and Research, 12(7), 274–278. https://doi.org/10.21275/SR23630021800

Dong, H., Qu, H., Liu, P., & Apuke, O. D. (2024). The effectiveness of using interactive visual multimedia technology intervention in improving the literacy skills of children in rural China. Learning and Motivation, 86, 101964. https://doi.org/10.1016/j.lmot.2024.101964

Engels, C., Kumar, K., & Philip, D. (2020). Financial literacy and fraud detection. The European Journal of Finance, 26(4–5), 420–442. https://doi.org/10.1080/1351847X.2019.1646666

Etyarisky, V., & Marsigit. (2022). The effectiveness of interactive learning multimedia with a contextual approach to student’s understanding mathematical concepts. AL-ISHLAH: Jurnal Pendidikan, 14(3), 3101–3110. https://doi.org/10.35445/alishlah.v14i3.941

Hake, R. R. (1998). Interactive-engagement versus traditional methods: A six-thousand-student survey of mechanics test data for introductory physics courses. American Journal of Physics, 66(1), 64–74. https://doi.org/10.1119/1.18809

Jones, A. M. (2003). The use and abuse of PowerPoint in teaching and learning in the life sciences: A personal overview. Bioscience Education, 2(1), 1–13. https://doi.org/10.3108/beej.2003.02000004

Kareem, A. A. (2018). The use of multimedia in teaching biology and its impact on students’ learning outcomes. The Eurasia Proceedings of Educational and Social Sciences, 9, 157–165. https://www.epess.net/index.php/epess/article/view/401

Kassa, M. M., Azene, M. K., Mengstie, S. M., & Ferede, M. W. (2024). Effect of using multimedia and dynamic classroom integrated instruction on grade 11 students’ biology academic achievement. Heliyon, 10(18), e37315. https://doi.org/10.1016/j.heliyon.2024.e37315

Laurillard, D. (2002). Rethinking university teaching: A conversational framework for the effective use of learning technologies (2nd ed.). Routledge. https://doi.org/10.4324/9780203304846

Leow, F.-T., & Neo, M. (2014). Interactive multimedia learning: Innovating classroom education in a Malaysian university. The Turkish Online Journal of Educational Technology, 13(2), 99–110. https://www.tojet.net/volumes/v13i2.pdf

Mahmuti, A., Hamzić, D. K., & Thaqi, X. (2025). The impact of contextual teaching and learning on improving student achievement in economic mathematics. International Electronic Journal of Mathematics Education, 20(3), em0833. https://doi.org/10.29333/iejme/16233

Malik, A., & Fürstenau, B. (2024). Representational visuals of abstract financial concepts: A means to foster financial literacy. Citizenship, Social and Economics Education, 23(3), 144–164. https://doi.org/10.1177/14788047241277768

Mayer, R. E. (2024). The past, present, and future of the cognitive theory of multimedia learning. Educational Psychology Review, 36(1), 8. https://doi.org/10.1007/s10648-023-09842-1

Mutiara, E., Sutanti, S., Dalimunthe, D. A., & Sasmita, R. L. (2024). Development of web-based interactive media using Genially in food technology course of culinary arts education study program. Journal of Ecohumanism, 3(4), 3090–3100. https://doi.org/10.62754/joe.v3i4.3828

Onjewu, A.-K. E., Godwin, E. S., Azizsafaei, F., & Appiah, D. (2025). The influence of technology use on learning skills among Generation Z: A gender and cross-country analysis. Industry and Higher Education, 39(2), 139–157. https://doi.org/10.1177/09504222241263227

Peres, F. F. (2026). Effect sizes for nonparametric tests. Biochemia Medica, 36(1), 010101. https://doi.org/10.11613/BM.2026.010101

Plodkaew, K., Pankaew, K., Suwanreung, C., & Komat, C. (2025). Development of interactive multimedia to enhance national educational test results at the basic level in mathematics for educational opportunity expansion schools in Lampang Province. Higher Education Studies, 15(4), 154. https://doi.org/10.5539/hes.v15n4p154

Pradnyawati, C., & Rati, N. W. (2023). Interactive multimedia based on a contextual approach to material changes in the form of objects. Mimbar Ilmu, 28(2), 255–264. https://doi.org/10.23887/mi.v28i2.63626

Pratiwi, I. A., Rahmawati, A., Azman, M. N. A., Fajrie, N., & Mustofa, H. A. (2025). Development and effectiveness of multimedia interactive learning Scratch Wabimendu (World Indonesian Cultural Heritage). Frontiers in Education, 10, 1628412. https://doi.org/10.3389/feduc.2025.1628412

Ratnasari, D., Yulianto, A., & Rozi, F. (2025). The effectiveness of PBL model to improve students’ learning outcomes at SMA Negeri 2 Salatiga. Journal of Economic Education, 14(1), 165–178. https://doi.org/10.15294/jeec.v14i1.25807

Romualdi, K. B., Sudrajat, A., & Aman. (2023). Development of Genially interactive multimedia on materials for the national movement organization for middle school students. AL-ISHLAH: Jurnal Pendidikan, 15(2), 1166–1180. https://doi.org/10.35445/alishlah.v15i2.3139

Safitri, W., & Susanti, D. (2023). The development of teaching media based on interactive multimedia towards economic courses to enhance students’ learning outcomes at senior high school. AL-ISHLAH: Jurnal Pendidikan, 15(4). https://doi.org/10.35445/alishlah.v15i4.3191

Sagita, W. N. D., & Rafida, V. (2022). Pengembangan Multimedia Interaktif Menggunakan Articulate Storyline Mata Pelajaran Marketing Kelas X Bisnis Daring dan Pemasaran. Ideas: Jurnal Pendidikan, Sosial, dan Budaya, 8(2). https://doi.org/10.32884/ideas.v8i2.778

Sartono, E. K. E., Ambarsari, R., & Herwin. (2022). Interactive multimedia based on Indonesian cultural diversity in civics learning in elementary schools. Cypriot Journal of Educational Sciences, 17(4), 1192–1203. https://doi.org/10.18844/cjes.v17i4.7136

Schcolnik, M., Kol, S., & Abarbanel, J. (2006). Constructivism in theory and in practice. English Teaching Forum, 44(4), 12–20. https://americanenglish.state.gov/files/ae/resource_files/06-44-4-c.pdf

Selvianiresa, D., & Prabawanto, S. (2017). Contextual teaching and learning approach of mathematics in primary schools. Journal of Physics: Conference Series, 895(1), 012171. https://doi.org/10.1088/1742-6596/895/1/012171

Setiawan, W. (2024). Psikologi Pendidikan: Teori dan Praktik. Penerbit Wade Group. https://book.wadegroup.id/wade/catalog/book/7

Sianturi, R. (2025). Uji Normalitas sebagai Syarat Pengujian Hipotesis. Jurnal Pembelajaran dan Matematika Sigma, 11(1), 1–14. https://doi.org/10.36987/jpms.v11i1.7091

Slamet, F. A. (2022). Model Penelitian Pengembangan. Institut Agama Islam Sunan Kalijogo Malang.

Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.

Sugiyono. (2022). Metode Penelitian dan Pengembangan: Research and Development. Alfabeta.

Surjono, H. D. (2017). Multimedia Pembelajaran Interaktif. UNY Press.

Teng, M. F. (2023). The effectiveness of multimedia input on vocabulary learning and retention. Innovation in Language Learning and Teaching, 17(3), 738–754. https://doi.org/10.1080/17501229.2022.2131791

Thiagarajan, S., Semmel, D. S., & Semmel, M. I. (1974). Instructional development for training teachers of exceptional children: A sourcebook. University of Minnesota. https://eric.ed.gov/?id=ED090725

Turner, A. (2015). Generation Z: Technology and social interest. The Journal of Individual Psychology, 71(2), 103–113. https://doi.org/10.1353/jip.2015.0021

Untari, R. S., Kamdi, W., Dardiri, A., Hadi, S., & Nurhadi, D. (2020). The development and application of interactive multimedia in project-based learning to enhance students’ achievement for 2D animation making. International Journal of Emerging Technologies in Learning, 15(16), 17–30. https://doi.org/10.3991/ijet.v15i16.16521

Wijayanti, K., & Ghofur, M. A. (2021). Pengembangan Media Pembelajaran E-Modul Bank dan Sistem Pembayaran Berbasis Android untuk Peserta Didik Kelas X. Jurnal Pendidikan Ekonomi, 14(1), 1–14. https://journal2.um.ac.id/index.php/jpe/article/view/14861

Yudha, A., Sufianto, Damara, B. E. P., Taqwan, B., & Haji, S. (2019). The impact of contextual teaching and learning (CTL) ability in understanding mathematical concepts. In Proceedings of the International Conference on Educational Sciences and Teacher Profession (ICETeP 2018). Atlantis Press. https://doi.org/10.2991/icetep-18.2019.42


Explore Our Journals
Find the most suitable journal for your research. If this journal does not fully align with the scope of your manuscript, we invite you to explore our wider portfolio of journals covering diverse fields of study. Please select one of the journals below to identify the most appropriate publication platform for your work.