Developing and validating a game-based financial literacy assessment for early childhood : An evidence-centered design approach

Fitriah, Nurlaeli ORCID: https://orcid.org/0000-0001-8734-1577, Budianto, Aris ORCID: https://orcid.org/0000-0001-8392-5372 and Hikmah, Saiful (2026) Developing and validating a game-based financial literacy assessment for early childhood : An evidence-centered design approach. International Journal of Learning Reformation in Elementary Education, 5 (2). pp. 736-749. ISSN 2961-8665

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Abstract

Financial literacy is an important skill that children need to have to face future economic challenges. However, the level of financial literacy among young children is still low, with many children lacking an understanding of basic financial concepts such as money management, saving, and distinguishing between needs and wants. Although various financial literacy education programs have been introduced, measuring the financial literacy of early childhood remains a challenge, as traditional evaluation methods are often ineffective and unsuitable for children's developmental characteristics. This article aims to develop and validate a game-based assessment instrument for measuring the financial literacy of early childhood, designed using the Evidence-Centered Design (ECD) framework. This study tested the effectiveness of game-based assessment in measuring financial literacy in early childhood through trials in two kindergartens in Malang, East Java, involving 100 students aged 5-6 years. The results of this study indicate that this game-based financial literacy instrument is enough valid and reliable for measuring children's financial literacy and the measurement results can be used as an evaluation tool for educators or institutions in developing more effective financial education policies that are appropriate to children's needs in schools

Item Type:	Journal Article
Keywords:	Early Childhood; Evidence-centered Design; Financial Literacy; Game-Based Assessment
Subjects:	13 EDUCATION > 1301 Education Systems > 130102 Early Childhood Education 13 EDUCATION > 1303 Specialist Studies In Education > 130303 Education Assessment and Evaluation 13 EDUCATION > 1303 Specialist Studies In Education > 130306 Educational Technology and Computing
Divisions:	Faculty of Tarbiyah and Teaching Training > Department of Islamic Early Childhood Education
Depositing User:	Nurlaeli Fitriah
Date Deposited:	31 Aug 2026 10:37

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