Development of Comic-Based Media for Financial Mathematics Content to Support High School Students’ Mathematical Problem-Solving Skills

Authors

  • Dita Susi Evrihatin Universitas Islam Malang
  • A’yunnisa Tsani Universitas Islam Malang
  • Sunismi Universitas Islam Malang
  • Any Herawati Sekolah Menengah Atas Negeri 3 Malang
  • Retno Trisniwati Sekolah Menengah Atas Negeri 3 Malang

DOI:

https://doi.org/10.17977/um065.v6.i12.2026.7

Keywords:

Financial mathematics, Mathematical comics, Mathematical problem-solving skills

Abstract

This study aims to develop a mathematics comic as a teaching medium for financial mathematics to support high school students’ mathematical problem-solving skills. This study was motivated by students’ still-low ability to understand the concept of compound interest and solve contextual mathematical problems related to daily life. This study employed the Research and Development (R&D) method using the ADDIE model, which consists of the analysis, design, development, implementation, and evaluation stages. The research subjects included 36 11th-grade high school students, two subject matter experts, two media experts, and one mathematics teacher. The product developed was a context-based mathematical comic that presents the concept of compound interest through visual storytelling, engaging illustrations, and real-life financial scenarios, thereby helping students understand the concept in a more concrete and communicative way. Data collection techniques included observation, interviews, expert validation sheets, a practicality questionnaire, and pretest and posttest instruments. The validation results showed that the developed media met the criteria for high validity, with an average percentage of 81.7%. The results of the teacher practicality test yielded a percentage of 71.9%, and the student response rate was 86%, thus confirming that the media is practical and suitable for use in learning. Based on the pretest and posttest results, it can be concluded that the use of digital comic learning media has a positive impact on students’ problem-solving skills. This is evidenced by an increase in the average score from 56.05 on the pretest to 90.83 on the posttest, accompanied by an increase in the lowest score from 11 to 85 and the highest score from 85 to 100. These results indicate that comic-based learning media can help improve students’ understanding of the material being studied and are suitable for use as learning media in the classroom learning process.

References

Amalia, R., & Sofiyan, S. (2018). Virtual manipulatives pada pembelajaran matematika. Jurnal Dimensi Matematika, 1(2), 6–18. Retrieved from https://ejurnalunsam.id/index.php/JDM/article/view/1068

Ayari, M. A. S., Sellami, A. S. A., Santhosh, M. E. M., Naji, K. K., Al-Ali, A. A., & Al-Hazbi, S. M. (2025). From problems to performance: A systematic review of problem-based learning in K–12 mathematics. Frontiers in Education, 10, 1731307. https://doi.org/10.3389/feduc.2025.1731307

Borg, W. R., & Gall, M. D. (1989). Educational research: An introduction (5th ed.). New York, NY: Longman.

Brunner, E., & Star, J. R. (2024). The quality of mathematics teaching from a mathematics educational perspective: What do we actually know and which questions are still open? ZDM–Mathematics Education, 56, 775–787. https://doi.org/10.1007/s11858-024-01600-z

Dahal, N., Neupane, B. P., Pant, B. P., Dhakal, R. K., Giri, D. R., Ghimire, P. R., & Bhandari, L. P. (2024). Participant selection procedures in qualitative research: Experiences and some points for consideration. Frontiers in Research Metrics and Analytics, 9, 1512747. https://doi.org/10.3389/frma.2024.1512747

Debrenti, E. (2024). Game-based learning experiences in primary mathematics education. Frontiers in Education, 9, 1331312. https://doi.org/10.3389/feduc.2024.1331312

Dick, W., Carey, L., & Carey, J. O. (2005). The systematic design of instruction (6th ed.). Boston, MA: Pearson.

Dinçer, B. D. (2025). Digitalization in mathematics education: How distance and online learning shape pre-service teachers’ career perceptions. Frontiers in Education, 10, 1639893. https://doi.org/10.3389/feduc.2025.1639893

Fajri, H. M., Marini, A., & Suyono. (2025). Trends and patterns in realistic mathematics education research in elementary schools: A bibliometric approach. Social Sciences & Humanities Open, 12, 101730. https://doi.org/10.1016/j.ssaho.2025.101730

Fardah, D. K., & Kusumah, Y. S. (2024). Students’ and teacher’s difficulties in dealing with real-context problems: A case study. Journal of Honai Math, 8(2), 147–165. https://doi.org/10.30862/jhm.v8i2.828

Hwang, S., Han, J., Muirhead, F., Brown, A., Melville, M., & Cai, J. (2025). Textbooks as a resource for teaching mathematics. ZDM–Mathematics Education. Advance online publication. https://doi.org/10.1007/s11858-025-01694-z

Jatileni, C. N. C., Havu-Nuutinen, S., Pöntinen, S., & Kukkonen, J. (2024). Learning mathematics with personal mobile devices in school: A multigroup invariance analysis of acceptance among students and teachers. Frontiers in Education, 9, 1425779. https://doi.org/10.3389/feduc.2024.1425779

Kholid, M. N., Santosa, Y. T., Toh, T. L., Wijaya, A. P., Sujadi, I., & Hendriana, H. (2024). Defragmenting students’ reflective thinking levels for mathematical problem solving: Does it work? Reflective Practice, 25(3), 319–351. https://doi.org/10.1080/14623943.2024.2320140

Liu, J., Keane, T., Sun, D., Yang, Y., & Yang, Y. (2025). Design and evaluation of ChatGPT-MWPS: An AI-enhanced learning system for improving primary students’ mathematical word problem solving. Smart Learning Environments, 12, 68. https://doi.org/10.1186/s40561-025-00419-9

Meganingtyas, D. E. W. (2021). Pemanfaatan software Cabri, GeoGebra, dan SketchUp sebagai media visualisasi konsep Matematika pada materi geometri ruang. Jurnal Riset Pendidikan Matematika Jakarta, 3(1), 67–75. https://doi.org/10.21009/jrpmj.v3i1.20122

Mutya, R. C., Tondo Jr, R. C., Aragon, K. M. P., Tablate, D. J. C., & Bonotan, A. M. (2025). Strategic intervention materials-based instruction on disaster literacy for technology students using the ADDIE model. Frontiers in Education, 10, 1671079. https://doi.org/10.3389/feduc.2025.1671079

Ngu, B. H., & Phan, H. P. (2024). Instructional approach and acquisition of mathematical proficiency: Theoretical insights from learning by comparison and cognitive load theory. Journal for the Study of Education and Development, 3(3), 357–379. https://doi.org/10.1177/27527263241266765

Nurhayati, Y., Zakiah, N. E., & Amam, A. (2020). Integrasi contextual teaching and learning (CTL) dengan GeoGebra: Dapatkah meningkatkan kemampuan koneksi matematis siswa? Teorema: Teori dan Riset Matematika, 5(1), 27–34. https://doi.org/10.25157/teorema.v5i1.3349

Pepin, B., Buchholtz, N., & Salinas-Hernández, U. (2025). A scoping survey of ChatGPT in mathematics education. Digital Experiences in Mathematics Education, 11, 9–41. https://doi.org/10.1007/s40751-025-00172-1

Polya, G. (1973), How to solve IT. Princeton: Princeton University Press. https://notendur.hi.is/hei2/teaching/Polya HowToSolvelt.pdf

Pramesti, R. A., & Wahyudi, W. (2025). Development of culture-based interactive comic media to improve mathematical literacy in primary schools. Electronic Journal of Education, Social Economics and Technology, 6(1). https://doi.org/10.33122/ejeset.v6i1.651

Putra, F. G., Putra, R. W. Y., Ricardo, S., Widyawati, S., & Juraev, D. A. (2024). Effectiveness of meaningful instructional design in improving students’ mathematical skills. Journal of Philology and Educational Sciences, 3(2), 58–66. https://doi.org/10.53898/jpes2024325

Putra, Z. H., Dahnilsyah, & Aljarrah, A. (2021). A praxeological analysis of pre-service elementary teacher-designed mathematics comics. Journal on Mathematics Education, 12(3), 563–580. https://doi.org/10.22342/jme.12.3.14143.563-580

Putri, G. R., Novita, R., & Rahmattullah, R. (2025). Development of digital mathematics comics based on the realistic mathematics education approach. Indonesian Journal of Science and Mathematics Education, 8(3), 681–695. https://doi.org/10.24042/ijsme.v8i3.29156

Rezat, S. (2024). Research on curriculum resources in mathematics education: A survey of the field. ZDM–Mathematics Education, 56, 223–237. https://doi.org/10.1007/s11858-024-01559-x

Risnawati, Syahwela, M., & MZ, Z. A. (2023). Students’ mathematical problem-solving ability based on the level of learning outcomes on sequence and series. Mosharafa: Jurnal Pendidikan Matematika, 12(1), 145–154. https://doi.org/10.31980/mosharafa.v12i1.763

Rocha, H., Viseu, F., & Matos, S. (2024). Problem-solving in a real-life context: An approach during the learning of inequalities. European Journal of Science and Mathematics Education, 12(1), 21–37. https://doi.org/10.30935/scimath/13828

Rochim, A., Hidayati, W. S., & Masruroh, F. (2023). Students’ profiles with interpersonal and intrapersonal intelligence in solving mathematical problems. Mosharafa: Jurnal Pendidikan Matematika, 12(1), 35–46. https://doi.org/10.31980/mosharafa.v12i1.1948

Santos-Trigo, M. (2024). Problem solving in mathematics education: Tracing its foundations and current research-practice trends. ZDM–Mathematics Education, 56, 211–222. https://doi.org/10.1007/s11858-024-01578-8

Siswanto, E., & Meiliasari, M. (2024). Kemampuan pemecahan masalah pada pembelajaran matematika: Systematic literature review. Jurnal Riset Pembelajaran Matematika Sekolah, 8(1), 45–59. https://doi.org/10.21009/jrpms.081.06

Soriano-Alcantara, J. M., Guillén-Gámez, F. D., & Ruiz-Palmero, J. (2025). Exploring digital competencies: Validation and reliability of an instrument for the educational community and for all educational stages. Technology, Knowledge and Learning, 30, 307–326. https://doi.org/10.1007/s10758-024-09741-6

Suparatulatorn, R., Jun-On, N., Hong, Y. Y., Intaros, P., & Suwannaut, S. (2023). Exploring problem-solving through the intervention of technology and realistic mathematics education in the calculus content course. Journal on Mathematics Education, 14(1), 103–128. https://doi.org/10.22342/jme.v14i1.pp103-128

Surya, D. I. (2026). Analisis pemanfaatan artificial intelligence generatif terhadap efisiensi proses desain grafis digital pada media informasi Polresta Banyumas. Imajinasi: Jurnal Ilmu Pengetahuan, Seni, dan Teknologi, 3(2), 10–22. https://doi.org/10.62383/imajinasi.v3i2.1110

Umam, M. A. K., Iriani, D., & Novferma, N. (2024). Development of problem-based learning-based mathematics comic media using Pixton to improve students’ mathematical problem-solving skills. Journal Focus Action of Research Mathematic (Factor M), 7(1), 92–109. https://doi.org/10.30762/f_m.v7i1.2623

Vázquez-Parra, J. C., Henao-Rodriguez, L. C., Lis-Gutiérrez, J. P., Castillo-Martínez, I. M., & Suarez-Brito, P. (2024). eComplexity: Validation of a complex thinking instrument from a structural equation model. Frontiers in Education, 9, 1334834. https://doi.org/10.3389/feduc.2024.1334834

Yuniawati, S., Palupi, E. L. W., & Fiangga, S. (2024). Pengembangan e-comic matematika berbasis pendekatan matematika realistik (PMR) pada materi persamaan linear satu variabel. MATHEdunesa, 13(2), 576-595. https://doi.org/10.26740/mathedunesa.v13n2.p576-595

Downloads

Published

20-07-2026

How to Cite

Evrihatin, D. S., Tsani, A., Sunismi, S., Herawati, A., & Trisniwati, R. (2026). Development of Comic-Based Media for Financial Mathematics Content to Support High School Students’ Mathematical Problem-Solving Skills. Jurnal Pembelajaran, Bimbingan, Dan Pengelolaan Pendidikan, 6(12), 7. https://doi.org/10.17977/um065.v6.i12.2026.7

Issue

Section

Articles