Empowering Students with Financial Literacy: Enrichment Programme at Jakarta Academics

Homeschooling International

In August 2025, Jakarta Academics hosted a special Enrichment Programme (EP) focused on a crucial real-world skill often overlooked in traditional education: financial literacy.

Why Financial Literacy Matters for Students

While school curricula cover academic subjects extensively, real-world financial skills are rarely addressed. This enrichment initiative was created to bridge that gap—empowering students with the tools and mindset to manage money wisely from a young age.

In today’s world, even high earners can find themselves struggling with debt, poor budgeting, and impulsive spending. This EP aimed to prevent those pitfalls by teaching students how to track income and expenses, save effectively, and make informed financial decisions early in life.

Key Activities During the Enrichment Programme

Homeschooling International

Led by Ms. Grace, a seasoned business teacher, the programme offered a combination of simulation, real-world tools, and reflective discussion. Here’s a breakdown of the engaging and educational sessions:

1. IEX Financial Simulation

Students participated in a hands-on simulation featuring:

  • Flash cards and toy money
  • ATM and credit card props
  • Interactive roleplay

Roles included:

  • One student as a BANK BCA officer
  • One student as a Credit Card Officer
  • One student as a Flash Card Moderator
  • A teacher playing the Cashier
  • Three groups of students acting as consumers

This immersive activity helped students grasp basic financial operations and understand the difference between spending with cash, debit, and credit.

2. Real-Life Money Hacks

Homeschooling International

To bring theory into practice, students were introduced to money tracking apps. These tools demonstrated how digital budgeting works and encouraged students to start tracking their own spending habits.

3. Myth-Busting Money Quiz

In a short quiz session, students were challenged with common financial myths:

  • “Rich people don’t have money problems” – Most students answered “yes,” but discussions revealed that even the wealthy struggle with managing finances.

  • “Money means more happiness” – Students learned that while money can increase comfort, true happiness is also tied to health, relationships, and purpose.

4. Student Reflections

At the end of the session, students reflected on their learning. They shared insights on how their views about money had changed and how they planned to apply their new knowledge in everyday life.

Teacher’s Message: Learning Beyond the Textbook

Ms. Grace emphasized that while textbooks offer important concepts, life itself is the ultimate classroom. She shared:

“With this EP on financial literacy, we hope students will learn to manage their income and expenses wisely. Real-world lessons are essential. Learning doesn’t stop at theory—it must be practiced.”

Conclusion: Building Financial Confidence for the Future

Homeschooling International

The August 2025 Enrichment Programme at Jakarta Academics was more than just an activity—it was a stepping stone towards financial empowerment. By making financial literacy fun, interactive, and relevant, the school aims to instill lifelong money habits in students, preparing them for the challenges of adulthood.

Recent Post

A Level Online Indonesia
  • Indonesian

Homeschooling Internasional di Bali: Memahami Pilihan Pendidikan yang Lebih Fleksibel dan Terarah

Setiap orang tua tentu ingin memberikan pendidikan terbaik untuk anaknya. Namun, tidak semua anak cocok dengan sistem sekolah konvensional yang jadwalnya padat dan seragam. Di Bali, semakin banyak keluarga mulai mempertimbangkan homeschooling internasional sebagai solusi pendidikan yang lebih fleksibel, personal, dan tetap memiliki standar global. Homeschooling bukan berarti belajar tanpa arah. Justru, dengan sistem yang tepat, anak dapat belajar secara lebih fokus, terstruktur, dan sesuai dengan tujuan akademiknya.

Apa yang Dimaksud dengan Homeschooling Internasional?

Homeschooling internasional adalah sistem pendidikan yang menggunakan kurikulum global dan diakui secara internasional. Siswa belajar dengan pendekatan yang lebih personal, namun tetap mengikuti target akademik yang jelas dan ujian resmi yang diakui oleh universitas luar negeri. Melalui Jakarta Academics, siswa di Bali dapat mengikuti jalur pendidikan internasional seperti IGCSE, A Level, dan Foundation, yang dirancang sebagai persiapan menuju universitas internasional.

Mengapa Homeschooling Menjadi Pilihan di Bali?

Bali memiliki karakter yang unik. Banyak keluarga lokal dan internasional tinggal di Bali dengan gaya hidup yang dinamis. Homeschooling menawarkan fleksibilitas tanpa mengorbankan kualitas pendidikan.
Beberapa alasan utama keluarga memilih homeschooling di Bali:

  • Anak dapat belajar dengan tempo yang sesuai dengan kemampuannya
  • Jadwal belajar lebih fleksibel dan seimbang
  • Fokus pada pengembangan potensi akademik dan minat siswa
  • Lingkungan belajar yang lebih kondusif dan terarah

Perbedaan Homeschooling Internasional dan Sekolah Internasional

hybrid school

Sekolah internasional umumnya memiliki jadwal dan struktur yang tetap, dengan jumlah siswa dalam satu kelas yang cukup besar. Sementara itu, homeschooling internasional memberikan ruang belajar yang lebih personal. Pada homeschooling, guru dapat menyesuaikan metode belajar sesuai kebutuhan siswa. Anak tidak harus mengejar, tetapi belajar memahami materi secara mendalam. Bagi siswa yang menargetkan kuliah ke luar negeri, pendekatan ini sering kali lebih efektif.

Keunggulan Homeschooling Internasional di Bali

    • Pendekatan Belajar yang Lebih Personal
      Setiap siswa memiliki kebutuhan dan target yang berbeda. Homeschooling memungkinkan proses belajar yang disesuaikan dengan kemampuan dan minat siswa.
    • Kurikulum yang Diakui Secara Global
      Program internasional yang digunakan telah diakui oleh universitas di berbagai negara, sehingga siswa memiliki jalur yang jelas untuk melanjutkan pendidikan ke luar negeri.
    • Persiapan Menuju Universitas Sejak Dini
      Selain akademik, siswa juga dibimbing untuk memahami jalur pendidikan selanjutnya, termasuk kesiapan mental dan akademik menghadapi sistem universitas internasional.
    • Fleksibilitas yang Seimbang
      Siswa tetap memiliki waktu untuk mengembangkan minat lain tanpa harus mengorbankan pencapaian akademik.

Program yang Umumnya Dipilih dalam Homeschooling Internasional

Beberapa program yang banyak diminati keluarga di Bali antara lain:

  • Program menengah sebagai dasar akademik
  • IGCSE sebagai persiapan pendidikan lanjutan
  • A Level dan Foundation sebagai jalur langsung ke universitas

Setiap tahap dirancang untuk membangun kesiapan siswa secara bertahap dan terarah.

Siapa yang Cocok Mengikuti Homeschooling Internasional?

Homeschooling internasional cocok bagi siswa yang:

  • Memiliki target kuliah di luar negeri
  • Membutuhkan sistem belajar yang lebih fleksibel
  • Ingin belajar dengan pendekatan yang lebih personal
  • Tinggal di Bali dengan kebutuhan pendidikan yang dinamis

Kesimpulan

Homeschooling internasional di Bali bukan sekadar alternatif, tetapi pilihan pendidikan yang memberikan pemahaman, arah, dan fleksibilitas. Dengan sistem yang terstruktur dan kurikulum yang diakui secara global, anak dapat belajar dengan lebih nyaman dan terarah menuju masa depan akademik yang lebih luas. Bagi keluarga yang ingin memahami dan mempertimbangkan homeschooling internasional di Bali, Jakarta Academics menawarkan pendekatan pendidikan yang relevan dengan kebutuhan siswa saat ini dan tantangan pendidikan global.

Selengkapnya
is IGCSE difficult
  • English

Is IGCSE Difficult? An Honest Guide for Students & Parents

One of the most common questions families ask when choosing a secondary qualification is:
 Is IGCSE difficult?

The honest answer is: IGCSE is not inherently harder than GCSE—but it can feel challenging depending on the student, subjects chosen, and support available.

IGCSEs are designed to be academically rigorous yet fair, with difficulty shaped more by context and preparation than by the qualification itself.

What Is IGCSE?

IGCSE stands for International General Certificate of Secondary Education.

  • A two-year qualification typically taken by students aged 14–16
  • Offered by major exam boards such as Cambridge International (CIE) and Pearson Edexcel
  • Designed to prepare students for A-levels, IB, or vocational pathways
  • Studied by students in over 150 countries worldwide

How IGCSEs Are Assessed

Assessment methods vary by subject and board, and may include:

  • Written examinations
  • Practical exams (e.g. sciences)
  • Coursework or controlled assessment (in some subjects)

Are IGCSEs Harder Than GCSEs?

is IGCSE difficult

Not really.

IGCSEs are essentially GCSE-level qualifications adapted for international students. The key difference is that IGCSEs are designed without UK-specific cultural references, so students outside the UK are not disadvantaged by questions based on British life or context.

 In short:
 Same academic level, different design purpose.

What Makes IGCSEs Manageable (Easier)?

For many students, IGCSEs are very achievable—especially with the right approach.

1. Clear Syllabuses and Marking Criteria

  • Topics are clearly defined
  • Mark schemes and grade descriptors are published
  • Teachers can align lessons closely to exam requirements

This transparency reduces surprises and helps focused students perform well.

2. Modular Learning in Many Subjects

  • Content is divided into distinct topics
  • Easier to revise in structured chunks
  • Supports steady progress over two years

3. Wide Choice of Subjects and Levels

  • Broad subject range (sciences, languages, humanities, creative subjects)
  • Some subjects offer different tiers or syllabuses for varying ability levels
  • Students can play to their strengths

4. Strong Availability of Past Papers

  • Extensive past papers and examiner reports
  • Predictable question styles in many subjects
  • Practising exam technique leads to significant grade improvement

What Makes IGCSEs Challenging (Harder)?

is IGCSE difficult

Despite their clarity, IGCSEs are not easy qualifications. Several factors can increase difficulty.

1. Breadth and Workload

  • Students often take 8–12 subjects
  • Each subject has substantial content
  • Time management becomes critical

2. Academic Demands in Certain Subjects

Some subjects are consistently more demanding, especially at higher levels:

  • Mathematics (Higher)
  • Sciences (Physics, Chemistry)
  • Foreign languages
  • Literature-heavy subjects

These require strong problem-solving, analysis, and conceptual understanding.

3. High-Stakes Exams

  • Final exams often determine the entire grade
  • Limited room for error
  • Exam pressure can be challenging for some students

4. Variation in Teaching Quality

  • School support and teacher experience vary widely by country and institution
  • Access to resources and feedback can significantly affect outcomes

5. Language and Background Factors

  • Students studying in a non-native language may struggle more
  • Gaps in earlier schooling (especially maths or English) increase difficulty

Who Typically Finds IGCSEs Easy or Hard?

IGCSEs Tend to Be Easier For:

  • Students with strong study habits
  • Regular past-paper practice
  • Supportive teachers and clear feedback
  • Solid foundations in English and maths

IGCSEs Tend to Be Harder For:

  • Poor organization or inconsistent revision
  • Weak foundational knowledge
  • Learning differences without accommodations
  • Students overloaded with too many subjects

Practical Advice to Make IGCSEs Easier

The good news: difficulty is highly controllable.

Choose Subjects Strategically

  • Balance strengths and interests
  • Avoid unnecessary overload
  • Don’t choose subjects only because friends are taking them

Use Past Papers Properly

  • Practise under timed conditions
  • Analyse mark schemes in detail
  • Learn how marks are actually awarded

Focus on Core Foundations

  • Secure basics in maths, English, and sciences early
  • Weak fundamentals multiply difficulty later

Master Exam Technique

  • Understand command words (e.g. describe, explain, evaluate)
  • Learn how to allocate time per question
  • Practise structured answers

Maintain a Regular Revision Schedule

  • Use spaced repetition
  • Target weak areas instead of rereading everything
  • Short, consistent revision beats cramming

Seek Targeted Support

  • Small-group tutoring
  • Subject clinics
  • Peer study for difficult topics

Use Official Resources

  • Board syllabuses
  • Specimen papers
  • Approved textbooks and examiner reports

These are far more effective than generic online notes.

Which IGCSE Subjects Are the Hardest?

Difficulty varies by student, but commonly challenging IGCSE subjects include:

  • Mathematics (Higher tier)
  • Physics and Chemistry
  • First Language English / Literature
  • Foreign Languages (especially for non-native speakers)

That said, a “hard” subject with good teaching is often easier than a “soft” subject with poor support.

Final Verdict: Is IGCSE Difficult?

IGCSE is challenging but fair.

  • Not easier or harder than GCSE in level
  • Difficulty depends heavily on preparation, subject choice, and support
  • Well-organized students with good exam practice can do very well

With the right strategy, IGCSEs are absolutely manageable—and often rewarding.

Selengkapnya
international school in Indonesia
  • English

International School in Indonesia with Flexible Learning

Choosing the right education pathway is one of the most important decisions Indonesian parents make for their children. In recent years, international schools in Indonesia have become a popular choice especially for families seeking flexible learning models that better suit their child’s individual needs.

Not every student thrives in a rigid, conventional school system. Today’s learners are diverse, and education should adapt to them, not the other way around.

Many Indonesian parents are rethinking traditional schooling for several reasons:

  • Growing awareness that one-size-fits-all education doesn’t work
  • Increasing demand for internationally recognised qualifications
  • The need for flexibility for students with non-academic commitments
  • Concerns about outdated teaching methods and rigid school rules

Not Every Student Fits Conventional School Settings

Every child learns differently. Some students struggle not because they lack ability, but because the system does not suit them.

Students Who Benefit from Flexible Learning Include:

  • Athletes or performers who need time for training and competitions
  • Students who learn better in smaller classes
  • Learners who need a calmer, more focused environment
  • Students who feel disengaged by rigid rules and traditional discipline systems

A flexible learning environment allows students to focus, grow, and succeed—both academically and personally.

The Importance of Small Class Sizes

international school in Indonesia

Large classrooms can make it difficult for students to concentrate and receive individual attention. For many learners, small class sizes are key to academic success.

Benefits of smaller classes include:

  • More personalised teacher support
  • Better focus and engagement
  • Increased confidence to ask questions
  • Stronger student–teacher relationships

For students who struggle with concentration, this can make a significant difference.

Moving Beyond Rigid School Systems

Some children become demotivated by:

  • Strict attendance policies
  • Excessive homework without purpose
  • Limited freedom to explore interests
  • Outdated teaching approaches

Flexible international schools focus on learning outcomes, not just compliance. The goal is to nurture independent, motivated learners who enjoy learning.

Jakarta Academics: Pioneer of Hybrid International Schooling in Indonesia

Jakarta Academics is a pioneer of the hybrid school model with an international curriculum in Indonesia, offering students the best of both worlds:

  • Internationally recognised education
  • Flexible learning schedules
  • Small class sizes
  • Personalised academic pathways

The hybrid model combines structured academic excellence with the freedom students need to pursue their talents outside the classroom.

Why Choose Jakarta Academics?

Jakarta Academics stands out among international schools in Indonesia for several key reasons:

✔ Internationally Recognised Curriculum

Students follow globally respected programmes aligned with international standards, preparing them for universities worldwide.

✔ Flexible & Hybrid Learning Model

Ideal for:

  • Student athletes
  • Creative performers
  • Learners who need a non-traditional schedule

✔ Small Classes, Individual Focus

Students receive tailored academic support to maximise their potential.

Is a Hybrid International School Academically Approved?

Yes—Jakarta Academics is academically recognised and internationally respected.

Pearson Awards – 4 Consecutive Years

international school in Indonesia

Jakarta Academics has received Pearson Awards for four consecutive years, recognising outstanding academic achievement and consistent quality.

This achievement reflects not only the school’s commitment to excellence, but also the dedication of students, parents, and educators who support the learning journey.

Proven University Pathways Worldwide

Graduates of Jakarta Academics have been accepted into top-ranked universities across the globe, including:

  • United Kingdom
  • Australia
  • United States
  • Singapore
  • Malaysia

This demonstrates that a flexible learning model does not compromise academic outcomes, it enhances them.

Final Thoughts: A Smarter Way to Learn

An international school with flexible learning in Indonesia is not about taking the “easy path.” It’s about choosing the right path one that respects how students learn, grow, and succeed.

Jakarta Academics offers a future-ready education designed for modern learners who need flexibility without sacrificing quality.

Selengkapnya