Designing and Validation the Optimal Model of Financial Literacy Curriculum for Junior High School Students

The aim of this study was to design and validate the optimal model of financial literacy curriculum for junior high school students. In order to collect data, qualitative approach was used using comparative method and research documents. The study population consisted of financial literacy documents during 2000-2020. Sampling was done purposefully and the sample size consisted of 90 documents. The basis of data analysis and coding was the theme unit. Data validity was obtained through triangulation and checking of principal researcher colleagues and accreditation through re-implementation. The findings were explained in accordance with Akker's model in the form of components of financial literacy curriculum including logic, objectives, content, learning opportunities, resources, teacher role, time, space, grouping and evaluation. In order to validate the proposed model, focal group method was used. Based on the results, the characteristics of the objectives of the financial literacy curriculum were prioritized as follows: 1) preparing adolescents for financial management, 2) achieving financial security in individual, family and social dimensions, 3) short planning Long-term and long-term financial, 4) financial foresight and responsibility, 5) financial self-efficacy and entrepreneurship, 6) creating critical attitudes toward financial issues, 7) strengthening the power of analysis and solving financial problems, and 8) Internalizing religious and moral values. Also, the development of national standards of financial literacy was proposed.