Manajemen | Fakultas Ekonomi Universitas Maritim Raja Ali Haji joeb.84.3.135-141

Journal of Education for Business

ISSN: 0883-2323 (Print) 1940-3356 (Online) Journal homepage: http://www.tandfonline.com/loi/vjeb20

The Effect of Quiz Timing on Exam Performance
Lester Hadsell
To cite this article: Lester Hadsell (2009) The Effect of Quiz Timing on Exam Performance,
Journal of Education for Business, 84:3, 135-141, DOI: 10.3200/JOEB.84.3.135-141
To link to this article: http://dx.doi.org/10.3200/JOEB.84.3.135-141

Published online: 07 Aug 2010.

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The฀Effect฀of฀Quiz฀Timing฀฀
on฀Exam฀Performance
LESTER฀HADSELL
STATE฀UNIVERSITY฀OF฀NEW฀YORK,฀COLLEGE฀OF฀ONEONTA฀
ONEONTA,฀NEW฀YORK

ABSTRACT. The฀author฀reported฀

on฀the฀effectiveness฀of฀online฀quizzes฀
in฀introductory฀finance฀courses.฀He฀
found฀completion฀of฀quizzes฀near฀the฀
time฀when฀the฀teacher฀presents฀the฀
material฀in฀class฀lectures฀to฀be฀associated฀with฀a฀moderate฀and฀statistically฀

significant฀increase฀in฀performance฀on฀
exams.฀Feedback฀to฀students฀on฀their฀
quiz฀performance฀did฀not฀seem฀to฀be฀
as฀important฀as฀timely฀completion฀of฀
the฀quizzes.฀
Keywords:฀introductory฀finance,฀learning,฀online฀quizzes

Copyright฀©฀2008฀Heldref฀Publications



P

roviding฀ students฀ with฀ frequent฀
feedback฀ and฀ opportunities฀ to฀
check฀ their฀ understanding฀ is฀ said฀ to฀ be฀
a฀ hallmark฀ of฀ good฀ education฀ (Walstad,฀ 2006).฀ Opportunities฀ for฀ continual฀
self-evaluation฀ allow฀ students฀ to฀ diagnose฀ problems฀ or฀ misunderstandings฀
early,฀ so฀ that฀ they฀ can฀ take฀ corrective฀
action฀ sooner.฀ Quizzes฀ are฀ one฀ way฀ to฀

provide฀ such฀ feedback.฀ Quizzes฀ given฀
near฀the฀time฀when฀material฀is฀covered฀
in฀ class฀ lectures฀ also฀ provide฀ students฀
with฀ incentive฀ to฀ stay฀ up-to-date฀ with฀
required฀reading฀and฀studying,฀addressing฀ the฀ well-recognized฀ problem฀ of฀
cramming฀ (Azorlosa฀ &฀ Renner,฀ 2006).฀
Thus,฀ quizzes฀ can฀ perform฀ two฀ functions:฀ providing฀ timely฀ feedback฀ and฀
keeping฀ students฀ on฀ track.฀ Moreover,฀
the฀costs฀of฀providing฀quizzes฀are฀being฀
lowered฀ through฀ recent฀ improvements฀
in฀ computer฀ technology,฀ which฀ allow฀
the฀ completion฀ and฀ grading฀ of฀ quizzes฀outside฀the฀classroom฀with฀minimal฀
instructor฀oversight.฀
Evidence฀ of฀ the฀ effectiveness฀ of฀
quizzes฀ to฀ promote฀ greater฀ learning฀ is฀
mixed.฀Harter฀and฀Harter฀(2004)฀found฀
that฀ adding฀ online฀ quizzes฀ in฀ a฀ semester-long฀introductory฀economics฀course฀
does฀ not฀ increase฀ student฀ performance฀
on฀ multiple-choice฀ questions฀ on฀ the฀
final฀exam฀nor฀does฀it฀increase฀students’฀

overall฀ course฀ grades.฀ Nonetheless,฀
Harter฀ and฀ Harter฀ speculated฀ that฀ even฀
though฀ access฀ to฀ technological฀ study฀

aids฀ does฀ not฀ improve฀ student฀ performance,฀ it฀ is฀ possible฀ that฀ it฀ improves฀
students’฀ attitudes฀ toward฀ the฀ course,฀
the฀instructor,฀or฀economics฀in฀general.฀
Likewise,฀Azorlosa฀ and฀ Renner฀ (2006)฀
found฀ that฀ regularly฀ scheduled฀ in-class฀
quizzes฀ improve฀ attendance฀ and฀ student-reported฀study฀time,฀but฀not฀exam฀
performance.฀Wilder,฀Flood,฀and฀Stromsnes฀(2001)฀drew฀similar฀conclusions.
However,฀ Johnson,฀ Joyce,฀ and฀ Sen฀
(2002)฀ found฀ that฀ the฀ amount฀ of฀ time฀
spent฀ by฀ students฀ on฀ repeatable฀ computerized฀ quizzes฀ positively฀ influences฀
student฀ performance.฀ Lass,฀ Morzuch,฀
and฀Rogers฀(2007)฀found฀that฀increased฀
and฀ immediate฀ feedback฀ from฀ online฀
(WebCT)฀ quizzes฀ is฀ associated฀ with฀
small฀ improvements฀ in฀ student฀ exam฀
scores,฀although฀they฀did฀not฀specifically฀measure฀the฀importance฀of฀the฀immediacy฀ of฀ the฀ feedback.฀ Judge฀ (1999),฀

arguing฀ for฀ the฀ use฀ of฀ computerized฀
quizzes,฀noted฀the฀following:฀
When฀large฀numbers฀of฀students฀are฀taking฀ a฀ course฀ it฀ becomes฀ impossible฀ to฀
mark฀and฀return฀regular฀tests฀and฀exercises฀[but]฀properly฀designed฀on-line฀quizzes฀
however฀ allow฀ students฀ to฀ test฀ out฀ their฀
knowledge฀ of฀ a฀ topic฀ and฀ get฀ immediate฀
feedback.฀ Students฀ appreciate฀ this฀ feature,฀and฀although฀there฀may฀be฀limits฀to฀
the฀types฀of฀questions฀which฀can฀be฀constructed฀ for฀ such฀ quizzes,฀ they฀ can฀ have฀
an฀important฀motivational฀role.฀(para.฀10)

Grove฀ and฀Wasserman฀ (2006)฀ investigated฀the฀role฀of฀motivation฀and฀consistent฀
January/February฀2009฀

135

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work฀ in฀ a฀ controlled฀ study.฀ They฀ found฀
that฀ graded฀ assignments฀ were฀ associated฀
with฀increased฀exam฀scores฀in฀economics฀

for฀ freshmen,฀ but฀ not฀ for฀ other฀ students.฀
The฀gain฀for฀freshmen฀was฀approximately฀
4฀points฀on฀a฀100-point฀exam.฀Grove฀and฀
Wasserman฀promoted฀graded฀assignments฀
as฀a฀cost-effective฀way฀to฀increase฀performance฀of฀a฀group฀of฀students฀(freshmen)฀
who฀typically฀perform฀worse฀than฀others฀
in฀introductory฀economics.฀
In฀ the฀ present฀ study,฀ I฀ investigated฀
the฀relative฀importance฀of฀feedback฀and฀
consistent฀study฀effort.฀In฀this฀article,฀I฀
present฀ findings฀ from฀ a฀ semester-long฀
introductory฀ finance฀ course฀ with฀ two฀
sections฀ (junior-฀ and฀ senior-level)฀ in฀
which฀ students฀ were฀ offered฀ weekly฀
online฀ quizzes.฀ In฀ short,฀ I฀ found฀ that฀
completion฀of฀the฀quizzes,฀regardless฀of฀
the฀ actual฀ grade฀ on฀ them฀ and฀ independent฀of฀when฀feedback฀(grades฀and฀comments)฀is฀provided,฀is฀associated฀with฀a฀
small฀improvement฀in฀exam฀scores.
A฀ major฀ hypothesis฀ is฀ that฀ the฀ feedback฀is฀not฀as฀important฀as฀the฀keepingup-to-date฀effect฀of฀the฀quizzes.฀That฀is,฀
feedback฀may฀be฀important,฀but฀the฀ability฀of฀some฀students฀to฀delay฀their฀study฀

has฀serious฀consequences฀in฀terms฀of฀performance฀on฀exams฀and,฀presumably,฀on฀
learning.฀As฀Azorlosa฀and฀Renner฀(2006)฀
noted,฀ “One฀ of฀ the฀ primary฀ reasons฀ for฀
frequent฀testing฀is฀to฀motivate฀students฀to฀
study฀on฀a฀more฀regular฀basis”฀(278).฀It฀
is฀hoped฀that฀quizzes฀lead฀to฀more฀consistent฀ effort฀ and,฀ consequently,฀ greater฀
learning฀by฀students.
The฀ genesis฀ of฀ this฀ research฀ came฀
in฀ the฀ Spring฀ 2005฀ semester฀ when,฀ in฀
contrast฀to฀prior฀semesters,฀online฀quizzes฀were฀not฀offered.฀Exam฀grades฀were฀
lower฀ than฀ prior฀ semesters,฀ and฀ some฀
students฀ complained฀ that฀ they฀ were฀
not฀ being฀ properly฀ prepared฀ for฀ exams฀
compared฀ with฀ those฀ prior฀ semesters฀
when฀ the฀ quizzes฀ were฀ offered.฀ Their฀
complaints฀ revolved฀ around฀ the฀ notion฀
that฀ part฀ of฀ the฀ instructor’s฀ job฀ was฀
to฀ keep฀ the฀ students฀ on฀ track,฀ studying฀ each฀ week฀ instead฀ of฀ cramming฀
before฀ the฀ big฀ exam.฀ Their฀ argument฀
has฀ some฀ validity,฀ even฀ though฀ they฀

could฀ achieve฀ the฀ same฀ result฀ (studying฀weekly)฀themselves฀without฀outside฀
(teacher)฀intervention.฀Thus,฀in฀the฀following฀ semester,฀ the฀ Fall฀ 2005฀ semester,฀ I฀ reimplemented฀ the฀ quiz฀ struc136฀

Journal฀of฀Education฀for฀Business

ture.฀In฀the฀spring฀of฀2006,฀I฀performed฀
the฀ study฀ subsequently฀ described.฀ In฀
the฀ sections฀ that฀ follow,฀ I฀ describe฀ the฀
course฀ and฀ details฀ of฀ the฀ study.฀ I฀ then฀
present฀results฀and฀conclusions.฀
METHOD
Two฀ large฀ sections฀ of฀ introductory฀ finance฀ at฀ a฀ medium-sized฀ public฀
research฀ university฀ in฀ the฀ northeastern฀ United฀ States฀ were฀ examined.฀ The฀
classes฀began฀with฀a฀total฀of฀350฀juniors฀
and฀seniors.฀I฀dropped฀41฀students฀from฀
the฀ study฀ because฀ they฀ withdrew฀ from฀
the฀course฀or฀missed฀the฀first฀scheduled฀
exam.฀Table฀1฀shows฀the฀summary฀statistics฀ of฀ the฀ 309฀ remaining฀ students.฀

The฀class฀served฀business฀majors฀(49%,฀

151฀ students)฀ and฀ minors฀ (48%,฀ 148฀
students),฀ with฀ 22%฀ (68)฀ of฀ students฀
concentrating฀ in฀ finance.฀ Almost฀ half฀
of฀ the฀ students฀ had฀ transferred฀ from฀
other฀universities:฀32%฀(99)฀were฀transfers฀from฀2-year฀schools,฀and฀15%฀(46)฀
were฀ transfers฀ from฀ 4-year฀ schools.฀ In฀
all,฀ 56%฀ (173)฀ were฀ men,฀ and฀ 44%฀
(136)฀were฀women.฀More฀than฀half฀had฀
a฀ cumulative฀ GPA฀ above฀ 3.00฀ at฀ the฀
beginning฀ of฀ the฀ semester฀ (all฀ demographic฀ data฀ were฀ reported฀ by฀ the฀ students฀ through฀ an฀ in-class฀ survey฀ at฀ the฀
beginning฀of฀the฀semester).
Optional฀ weekly฀ quizzes฀ were฀ made฀
available฀ to฀ all฀ students.฀ The฀ quizzes฀
had฀ 5฀ or฀ 10฀ questions฀ each฀ and฀ were฀

TABLE฀1.฀Summary฀Statistics฀in฀Percentages฀
Variable฀
Gender฀
฀฀฀Male฀
฀฀฀Female฀

Major–Minor฀
฀฀฀Finance฀
฀฀฀Business฀major฀
฀฀฀Business฀minor฀
฀฀฀Other฀
GPA฀
฀฀฀0.00–2.00฀
฀฀฀2.01–2.50฀
฀฀฀2.51–3.00฀
฀฀฀3.01–3.50฀
฀฀฀3.51–4.00฀
Attendance฀
฀฀฀First฀half฀
฀฀฀฀฀฀All฀lectures฀
฀฀฀฀฀฀Most฀
฀฀฀฀฀฀Half฀
฀฀฀฀฀฀Few฀
฀฀฀฀฀฀None฀
Attendance฀
฀฀฀Second฀half฀

฀฀฀฀฀฀All฀lectures฀
฀฀฀฀฀฀Most฀
฀฀฀฀฀฀Half฀
High฀school฀
฀฀฀None฀
฀฀฀New฀York฀
฀฀฀United฀States฀
฀฀฀non-United฀States฀
Transfer฀
฀฀฀No฀
฀฀฀Yes,฀฀฀
฀฀฀฀฀฀community฀college฀
฀฀฀Yes,฀4-year฀college฀
Attend฀study฀session
฀฀฀Yes฀

All฀(N฀=฀309)฀


A–K฀(n฀=฀155)฀

L–Z฀(n฀=฀154)฀

56.0฀
43.7฀

22.0฀
27.2฀
47.9฀
2.9฀

2.9฀
10.0฀
28.5฀
38.2฀
20.4฀


53.4฀
26.9฀
12.0฀
6.1฀
1.6฀


49.8฀
25.6฀
14.9฀

9.4฀
84.1฀
5.5฀
10.4฀

52.8฀


60.0฀
39.4฀

21.9฀
21.3฀
52.9฀
3.9฀

1.3฀
14.2฀
30.3฀
33.5฀
20.6฀


52.9฀
29.0฀
12.9฀
3.9฀
1.3฀


47.1฀
27.1฀
16.8฀

9.0฀
85.2฀
3.9฀
11.0฀

57.4฀

32.0฀
15.2฀

29.0฀
13.5฀

35.1
16.9

60.8฀

63.9฀

57.8

51.9
48.1
22.1
33.1
42.9
1.9
4.5
5.8
26.6
42.9
20.1
53.9
24.7
11.0
8.4
1.9
52.6
24.0
13.0
9.7
83.1
7.1
9.7
48.1

Downloaded by [Universitas Maritim Raja Ali Haji] at 22:48 11 January 2016

available฀ online฀ (through฀ WebCT)฀ for฀
unsupervised฀ completion.฀ The฀ quizzes฀ were฀ timed฀ and฀ contained฀ questions฀ with฀ levels฀ of฀ difficulty฀ ranging฀
from฀ easy฀ to฀ moderately฀ difficult,฀ if฀
the฀ student฀ had฀ read฀ the฀ text฀ and฀ studied฀lecture฀notes.฀If฀students฀completed฀
the฀ quizzes฀ and฀ their฀ quiz฀ average฀ was฀
higher฀ than฀ their฀ exam฀ average,฀ then฀
the฀quiz฀credit฀counted฀as฀10%฀of฀their฀
course฀ grade.฀ Otherwise,฀ the฀ quizzes฀
were฀not฀counted.฀Furthermore,฀because฀
the฀ quizzes฀ were฀ graded฀ on฀ a฀ sliding฀
scale,฀ full฀ credit฀ was฀ awarded฀ if฀ the฀
students฀answered฀just฀80%฀of฀the฀questions฀correctly.฀Students฀were฀told฀from฀
the฀ beginning฀ of฀ the฀ semester฀ that฀ the฀
quizzes฀ were฀ not฀ meant฀ for฀ evaluation฀
but฀ to฀ help฀ them฀ in฀ preparation฀ for฀ the฀
exams;฀that฀is,฀as฀incentive฀to฀keep฀them฀
on฀track฀or฀up-to-date฀with฀their฀studies.฀
Because฀the฀purpose฀of฀the฀quizzes฀was฀
to฀aid฀students’฀study฀effort฀rather฀than฀
to฀ evaluate฀ them,฀ I฀ was฀ not฀ concerned฀
with฀ cheating.฀ In฀ fact,฀ I฀ told฀ students฀
that฀ I฀ recognized฀ that฀ they฀ could฀ have฀
their฀ text฀ and฀ notes฀ open฀ when฀ they฀
took฀the฀quiz,฀a฀friend฀helping฀them,฀or฀
even฀ someone฀ completing฀ the฀ quiz฀ for฀
them.฀ However,฀ such฀ behavior฀ would฀
not฀ help฀ them฀ as฀ much฀ as฀ reading฀ the฀
text฀and฀their฀notes฀before,฀and฀the฀bigger฀purpose—greater฀understanding฀and฀
better฀learning฀outcomes฀(exam฀performance)—would฀ be฀ lost฀ by฀ such฀ cheating.฀ Whether฀ they฀ did฀ their฀ own฀ work฀
was฀their฀choice,฀but฀it฀was฀in฀their฀best฀
interest฀ to฀ do฀ so;฀ and฀ the฀ system฀ was฀
rigged฀ to฀ encourage฀ that฀ behavior฀ (a฀
small,฀ easily฀ obtainable฀ reward฀ and฀ no฀
penalty฀for฀poor฀performance).฀
Because฀ the฀ quizzes฀ were฀ timed฀ (usually฀ 60฀ min฀ for฀ 10฀ questions),฀ students฀
were฀ less฀ likely฀ to฀ start฀ the฀ quiz฀ if฀ they฀
were฀unprepared.฀In฀other฀words,฀they฀had฀
to฀study,฀yet฀a฀goal฀of฀doing฀well฀was฀easily฀attainable.฀Thus,฀grades฀on฀the฀quizzes฀
were฀ less฀ important฀ and฀ de-emphasized฀
relative฀ to฀ actually฀ attempting฀ them.฀ Six฀
quizzes฀ were฀ available฀ before฀ the฀ first฀
exam฀ and฀ an฀ additional฀ five฀ were฀ available฀before฀the฀second฀exam.฀
The฀ remaining฀ 90%฀ of฀ the฀ course฀
grade฀came฀from฀two฀exams.฀The฀exams฀
consisted฀ of฀ 40–50฀ multiple-choice฀
questions,฀with฀a฀mixture฀of฀definition,฀
conceptual,฀ and฀ application฀ questions฀
covering฀ basic฀ finance฀ concepts.฀ The฀


first฀ exam฀ covered฀ financial฀ assets,฀
institutions,฀market฀operations,฀and฀risk฀
and฀ return.฀ The฀ second฀ exam฀ covered฀
time฀ value฀ of฀ money,฀ pricing฀ of฀ stocks฀
and฀bonds,฀and฀capital฀budgeting.฀Both฀
exams฀ were฀ approximately฀ two-thirds฀
verbal฀and฀one-third฀quantitative.
To฀ test฀ the฀ effect฀ of฀ the฀ quizzes,฀ I฀
split฀the฀students฀into฀two฀groups฀on฀the฀
basis฀of฀their฀last฀name.฀Approximately฀
half฀ of฀ the฀ students฀ (155)฀ were฀ in฀ the฀
first฀ group฀ (last฀ name฀ beginning฀ with฀
letters฀A–K),฀and฀154฀students฀were฀in฀
the฀ second฀ group฀ (L–Z).฀ Each฀ group฀
was฀given฀initial฀access฀to฀each฀quiz฀at฀
the฀ same฀ time.฀ In฀ the฀ first฀ half฀ of฀ the฀
course,฀ the฀ first฀ group฀ was฀ permitted฀
to฀ complete฀ each฀ quiz฀ in฀ a฀ specified฀
7-day฀ interval.฀ The฀ second฀ group฀ was฀
allowed฀to฀complete฀the฀quizzes฀at฀any฀
time฀ prior฀ to฀ the฀ day฀ before฀ the฀ first฀
exam.฀ Each฀ group฀ had฀ separate฀ quizzes฀(although฀some฀questions฀were฀the฀
same฀ on฀ both).฀ Students฀ in฀ the฀ first฀
group฀ received฀ their฀ scores,฀ answers,฀
and฀feedback฀when฀the฀quiz฀availability฀
ended฀ (i.e.,฀ weekly).฀ For฀ the฀ second฀
group,฀ these฀ were฀ not฀ available฀ until฀
just฀before฀the฀exam.฀For฀students฀who฀
did฀not฀submit฀the฀quizzes,฀the฀quizzes฀
and฀ answers฀ were฀ made฀ available฀ the฀
day฀before฀the฀exam.฀Thus,฀all฀students฀
had฀ access฀ to฀ the฀ quiz฀ questions฀ and฀
answers,฀ only฀ the฀ timing฀ differed฀ by฀
group.฀The฀groups฀reversed฀roles฀for฀the฀
second฀half฀of฀the฀course.฀
RESULTS
Table฀ 2฀ shows฀ that฀ roughly฀ 85%฀ of฀
students฀in฀each฀group฀completed฀Quiz฀
1,฀ although฀ only฀ half฀ of฀ the฀ students฀
in฀ the฀ second฀ group,฀ the฀ group฀ that฀
could฀ delay฀ submission,฀ submitted฀ the฀
quiz฀ when฀ the฀ first฀ group฀ did.฀ As฀ one฀
may฀ expect,฀ the฀ share฀ of฀ students฀ who฀
submitted฀ quizzes฀ before฀ Exam฀ 1฀ was฀
higher฀ in฀ the฀ group฀ that฀ could฀ delay฀
submission.฀A฀similar฀pattern฀holds฀for฀
the฀second฀half฀of฀the฀course,฀although฀
the฀ delay฀ in฀ submitting฀ quizzes฀ was฀
even฀ greater฀ for฀ the฀ group฀ able฀ to฀ do฀
so.฀This฀increased฀delay฀may฀have฀been฀
because฀of฀the฀nature฀of฀the฀material฀in฀
the฀second฀half:฀the฀basics฀of฀time฀value฀
of฀ money฀ and฀ applications฀ thereof฀ to฀
pricing฀ stocks฀ and฀ bonds฀ and฀ to฀ capital฀ budgeting.฀ Perhaps฀ students฀ needed฀

more฀ time฀ to฀ understand฀ the฀ material.฀
The฀ overall฀ submission฀ rate฀ was฀ lower฀
in฀the฀second฀half฀for฀both฀groups.
Anecdotal฀ evidence฀ of฀ the฀ effectiveness฀ of฀ the฀ quizzes฀ came฀ from฀ some฀
students’฀ claims฀ made฀ to฀ the฀ teacher฀
that฀taking฀the฀quizzes฀each฀week฀forced฀
them฀ to฀ study.฀ In฀ addition,฀ many฀ students฀in฀the฀second฀group,฀with฀greater฀
flexibility฀(and฀delayed฀feedback),฀complained฀ of฀ not฀ being฀ able฀ to฀ see฀ the฀
answers฀until฀the฀day฀before฀the฀exam.฀
To฀ measure฀ the฀ impact฀ of฀ the฀ quizzes฀
on฀ exam฀ scores,฀ a฀ variable฀ (quiz)฀ was฀
constructed฀ to฀ count,฀ for฀ each฀ student,฀
the฀ number฀ and฀ timing฀ of฀ quizzes฀ that฀
were฀submitted฀before฀each฀exam:฀
Quizs฀=฀Σ฀qsi฀

(1)

For฀ the฀ group฀ with฀ a฀ 1-week฀ availability,฀ qsi฀ =฀ 1฀ if฀ quiz฀ i฀ was฀ submitted฀
by฀ student฀ s,฀ and฀ qsi฀ =฀ 0,฀ otherwise.฀
For฀ the฀ other฀ group,฀ qsi฀ is฀ the฀ number฀
of฀ weeks฀ before฀ the฀ exam฀ when฀ the฀
quiz฀was฀submitted฀(m)฀divided฀by฀the฀
number฀of฀weeks฀when฀it฀was฀available฀
(n):฀ ฀ qsi฀ =฀ m/n.฀ Quiz฀ 1,฀ for฀ example,฀
was฀ available฀ to฀ the฀ second฀ group฀ for฀
5฀weeks.฀Therefore,฀for฀a฀student฀who฀
submitted฀ the฀ quiz฀ the฀ 1st฀ week฀ when฀
it฀ was฀ available,฀ qsi฀ =฀ 5/5฀ =฀ 1.฀ For฀ a฀
student฀who฀submitted฀the฀quiz฀the฀2nd฀
week฀when฀it฀was฀available,฀qsi฀=฀4/5฀=฀
0.8.฀Because฀the฀quizzes฀were฀weekly,฀
n฀ –฀ m฀ is฀ equivalent฀ to฀ the฀ number฀ of฀
weeks฀of฀delay฀after฀the฀original฀week฀
of฀availability.฀If฀a฀student฀did฀not฀submit฀the฀quiz,฀then฀qsi฀=฀0.฀
If฀ students฀ submitted฀ all฀ quizzes฀
before฀the฀first฀exam฀in฀the฀1st฀week฀of฀
availability,฀ then฀ Quizs฀ =฀ 6.฀ If฀ students฀
in฀the฀second฀group฀waited฀until฀the฀last฀
week฀ to฀ submit฀ all฀ quizzes,฀ then฀ Quizs฀
=฀ 1/5฀ +฀ 1/4฀ +฀ 1/3฀ +฀ 1/2฀ +฀ 1/1฀ +฀ 1/1฀ =฀
3.2833.฀ That฀ is,฀ Quiz฀ 1฀ was฀ available฀
for฀5฀weeks,฀Quiz฀2฀was฀available฀for฀4฀
weeks,฀and฀so฀on฀(Quizzes฀5฀and฀6฀were฀
available฀ beginning฀ 1฀ week฀ before฀ the฀
exam).฀ I฀ purposely฀ neglected฀ the฀ students’฀ performance฀ on฀ the฀ quizzes฀ and฀
focused฀ only฀ on฀ when฀ they฀ completed฀
them.฀I฀computed฀one฀Quizs฀for฀the฀first฀
half฀of฀the฀course฀and฀a฀separate฀one฀for฀
the฀second฀half฀(counting฀only฀secondhalf฀quizzes).฀฀
The฀ primary฀ hypothesis฀ I฀ tested฀ was฀
that฀simply฀completing฀the฀quizzes฀will฀
have฀ benefits.฀ If฀ this฀ is฀ true,฀ then฀ the฀
January/February฀2009฀

137

variable฀quiz฀will฀be฀correlated฀with฀the฀
exam฀ score.฀ To฀ test฀ the฀ hypothesis,฀ I฀
performed฀ordinary฀least฀squares฀regressions฀on฀the฀basis฀of฀the฀following฀equation฀(the฀subscript฀s฀is฀dropped฀for฀ease฀
of฀exposition):

Downloaded by [Universitas Maritim Raja Ali Haji] at 22:48 11 January 2016

Exam฀ score฀ =฀ β0฀ +฀ β1Attend฀ +฀
β2Gender฀+฀β3Finance฀+฀β4GPA฀+฀β5NY฀
State฀+฀β6Transfer฀+฀β7Study฀+฀β8Group฀
+฀β9Quiz฀฀
(2)฀
where฀Attend฀=฀1฀if฀the฀student฀attended฀
most฀or฀all฀of฀the฀lectures,฀0฀otherwise;฀
Gender฀ =฀ 1฀ for฀ men,฀ 0฀ for฀ women;฀
Finance฀ =฀ 1฀ for฀ students฀ whose฀ major฀
was฀ finance,฀ 0฀ otherwise;฀ GPA฀ is฀ the฀
student’s฀ approximate฀ GPA฀ at฀ the฀
beginning฀ of฀ the฀ semester฀ (self-reported);฀ NYS฀ =฀ 1฀ if฀ the฀ student฀ graduated฀
from฀ a฀ high฀ school฀ in฀ New฀York฀ state,฀
0฀otherwise;฀Transfer฀=฀1฀if฀the฀student฀
transferred฀ from฀ another฀ school,฀ 0฀ otherwise;฀Study฀=฀1฀if฀the฀student฀attended฀
the฀ study฀ session฀ provided฀ just฀ before฀
the฀exam,฀0฀otherwise.฀Besides฀quiz,฀the฀
additional฀variables฀control฀for฀the฀possibility฀ that฀ certain฀ students฀ are฀ more฀
likely฀ to฀ submit฀ quizzes฀ (and฀ submit฀
them฀ sooner,฀ if฀ in฀ the฀ second฀ group).฀
For฀the฀second฀half,฀I฀used฀the฀students’฀
score฀ on฀ Exam฀ 1฀ as฀ an฀ additional฀ control฀variable฀to฀deal฀with฀this฀bias.฀
Results฀are฀shown฀in฀Table฀3.฀For฀the฀
first฀ exam,฀ the฀ coefficient฀ on฀ quiz฀ is฀
statistically฀ significant฀ at฀ 1.64,฀ indicating฀that฀the฀number฀and฀timing฀of฀quizzes฀ submitted฀ was฀ associated฀ with฀ an฀
increased฀score฀on฀the฀exam฀(100-point฀
scale).฀Whether฀and฀when฀quizzes฀were฀
submitted฀was฀a฀more฀significant฀influence฀ of฀ performance฀ on฀ the฀ first฀ exam฀
than฀ were฀ all฀ other฀ factors฀ examined,฀
except฀the฀student’s฀major฀(finance฀students฀ performed฀ much฀ better฀ than฀ others)฀ and฀ beginning-of-semester฀ GPA.฀
With฀ six฀ quizzes฀ available,฀ the฀ total฀
score฀ increase฀ on฀ Exam฀ 1฀ attributable฀
to฀ submitting฀ quizzes฀ was฀ as฀ much฀ as฀
9.84฀points.฀
Although฀ I฀ found฀ completing฀ the฀
quizzes฀ to฀ be฀ associated฀ with฀ higher฀
exam฀scores,฀whether฀students฀received฀
timely฀feedback฀was฀not.฀Not฀only฀was฀
β8฀=฀0,฀indicating฀no฀significant฀difference฀ between฀ groups,฀ but฀ a฀ Chow฀ test฀
indicated฀ that฀ there฀ was฀ no฀ significant฀
difference฀ in฀ the฀ coefficient฀ on฀ quiz฀
(1.46฀for฀Group฀1฀vs.฀1.89฀for฀Group฀2).฀
138฀

Journal฀of฀Education฀for฀Business

TABLE฀2.฀Tabulations฀of฀Quiz฀Submissions

Group฀

Quiz฀number฀(first฀half฀of฀semester)
1฀

A–K฀
฀฀฀Submitted฀ 131.0฀
฀฀฀Did฀not฀฀
฀฀฀฀฀฀submit฀
24.0฀
฀฀฀Submitted฀฀฀
฀฀฀฀฀฀(%)฀
84.5฀
L–Z฀
฀฀฀Submitted฀฀฀
฀฀฀฀฀฀1st฀week฀ 65.0฀
฀฀฀1฀week฀
฀฀฀฀฀฀later฀
22.0฀
฀฀฀2฀weeks฀
฀฀฀฀฀฀later฀
8.0฀
฀฀฀3฀weeks฀
฀฀฀฀฀฀later฀
7.0฀
฀฀฀4฀weeks฀฀฀
฀฀฀฀฀฀later฀
30.0฀
฀฀฀Did฀not฀฀฀
฀฀฀฀฀฀submit฀
22.0฀
฀฀฀Submitted฀฀
฀฀฀฀฀฀(%)฀
85.7฀
฀฀฀Submitted฀฀฀฀฀฀฀฀
฀฀฀฀฀฀1st฀week
฀฀฀฀฀฀(%)฀฀
42.2฀

Group฀

2฀

3฀

4฀

5฀

6

105.0฀

119.0฀

122.0฀

110.0฀

110.0

50.0฀

36.0฀

33.0฀

45.0฀

45.0

67.7฀

76.8฀

78.7฀

71.0฀

71.0

31.0฀

43.0฀

37.0฀

116.0฀

119.0

23.0฀

25.0฀

81.0฀

—฀



24.0฀

58.0฀

—฀

—฀



49.0฀

—฀

—฀

—฀



—฀

—฀

—฀

—฀



27.0฀

28.0฀

36.0฀

38.0฀

35.0

82.5฀

81.8฀

76.6฀

75.3฀

77.3

20.1฀

27.9฀

24.0฀

75.3฀

77.3

Quiz฀number฀(second฀half฀of฀semester)
7฀

A–K฀
฀฀฀Submitted฀฀
฀฀฀฀฀฀1st฀week฀ 32.000฀
฀฀฀1฀week฀
฀฀฀฀฀฀later฀
3.000฀
฀฀฀2฀weeks฀
฀฀฀฀฀฀later฀
12.000฀
฀฀฀3฀weeks฀฀฀
฀฀฀฀฀฀later฀
24.000฀
฀฀฀4฀weeks฀฀฀
฀฀฀฀฀฀later฀
34.000฀
฀฀฀Did฀not฀฀฀
฀฀฀฀฀฀submit฀
50.000฀
฀฀฀Submitted฀฀฀
฀฀฀฀฀฀(%)฀
67.700฀
฀฀฀Submitted฀฀฀
฀฀฀฀฀฀1st฀week฀฀
฀฀฀฀฀฀(%)฀
20.600฀
L–Z฀
฀฀฀Submitted฀ 102.000฀
฀฀฀Did฀not฀
฀฀฀฀฀฀submit฀
52.000฀
฀฀฀Submitted฀
0.662฀

8฀

9฀

10฀

11฀

21.000฀

17.000฀

28.000฀

95.000฀

14.000฀

31.000฀

71.000฀

—฀

29.000฀

54.000฀

—฀

—฀

41.000฀

—฀

—฀

—฀

—฀

—฀

—฀

—฀

50.000฀

53.000฀

56.000฀

60.000฀

67.700฀

65.800฀

63.900฀

61.300฀

13.500฀

11.000฀

18.100฀

61.300฀

99.000฀

73.000฀

91.000฀

67.000฀

55.000฀
0.643฀

81.000฀
0.474฀

63.000฀
0.591฀

87.000฀
0.435฀

Thus,฀no฀evidence฀was฀found฀to฀support฀
the฀ notion฀ that฀ earlier฀ feedback฀ on฀ the฀
quizzes฀ increased฀ student฀ learning,฀ as฀
measured฀on฀exams.฀
The฀ findings฀ for฀ the฀ second฀ exam฀
were฀ similar.฀ In฀ this฀ case,฀ I฀ added฀ the฀

student’s฀ score฀ on฀ the฀ first฀ exam฀ as฀ a฀
control฀ variable,฀ and฀ the฀ coefficient฀ on฀
quiz฀ was฀ a฀ statistically฀ significant฀ 0.81฀
(see฀ Table฀ 4).฀ With฀ five฀ quizzes฀ available,฀ the฀ total฀ score฀ increase฀ on฀ Exam฀
2฀attributable฀to฀submitting฀quizzes฀was฀

TABLE฀3.฀Regression฀Results฀With฀Exam฀1฀Score฀as฀the฀Dependent฀Variable
Variable฀฀

Coefficient฀

Intercept฀
Quiz฀
Group฀
Attend฀
Gender฀
Finance฀
GPA฀
NY฀
Transfer฀
Study฀

51.91฀
1.64฀
–0.59฀
0.86฀
0.68฀
–6.13฀
7.55฀
2.53฀
1.38฀
–0.44฀

SE฀

t(299)฀

p฀

4.50฀
0.33฀
1.17฀
1.54฀
1.18฀
1.40฀
1.18฀
1.54฀
1.15฀
1.18฀

11.54฀
4.92฀
–0.50฀
0.56฀
0.58฀
–4.37฀
6.38฀
1.64฀
1.20฀
–0.37฀

.00
.00
.62
.58
.56
.00
.00
.10
.23
.71

Downloaded by [Universitas Maritim Raja Ali Haji] at 22:48 11 January 2016

Note.฀Results฀are฀based฀on฀Equation฀2.฀Adjusted฀R2฀=฀.291;฀SE฀R฀=฀9.795;฀observations฀=฀309.

TABLE฀4.฀Regression฀Results฀With฀Exam฀2฀Score฀as฀the฀Dependent฀Variable
Variable฀฀
Intercept฀
Quiz฀
Group฀
Attend฀
Gender฀
Finance฀
GPA฀
NY฀
Transfer฀
Study฀
Exam฀1฀score฀

Coefficient฀

SE฀

t(299)฀

p

36.22฀
0.81฀
1.51฀
3.44฀
1.28฀
–1.18฀
1.15฀
2.59฀
4.42฀
–3.99฀
0.49฀

5.12฀
0.35฀
1.10฀
1.40฀
1.12฀
1.37฀
1.19฀
1.48฀
1.09฀
1.13฀
0.05฀

7.08฀
2.34฀
1.37฀
2.45฀
1.14฀
–0.87฀
0.96฀
1.75฀
4.07฀
–3.52฀
9.14฀

.00
.02
.17
.01
.26
.39
.34
.08
.00
.00
.00

Note.฀Results฀are฀based฀on฀Equation฀2.฀Adjusted฀R2฀=฀.433;฀SE฀R฀=฀9.305;฀observations฀=฀309.

as฀ much฀ as฀ 4.05฀ points.฀ I฀ also฀ found฀
that฀attendance฀at฀lectures฀was฀strongly฀
associated฀ with฀ higher฀ exam฀ scores,฀
that฀ transfer฀ students฀ earned฀ higher฀
exam฀grades,฀and฀that฀attendance฀at฀the฀
study฀session฀was฀associated฀with฀lower฀
scores.฀ Once฀ again,฀ a฀ Chow฀ test฀ indicated฀ that฀ there฀ was฀ no฀ significant฀ difference฀in฀the฀coefficient฀on฀quiz฀(1.04฀
for฀Group฀1฀vs.฀0.68฀for฀Group฀2).
Although฀the฀coefficient฀on฀quiz฀was฀
statistically฀ the฀ same฀ for฀ both฀ groups,฀
the฀measured฀value฀was฀higher฀(in฀both฀
halves฀of฀the฀course)฀for฀the฀group฀that฀
was฀allowed฀flexibility.฀In฀other฀words,฀
not฀ only฀ was฀ waiting฀ for฀ feedback฀ not฀
associated฀with฀lower฀exam฀scores,฀but฀
there฀was฀also฀weak฀evidence฀that฀it฀may฀
be฀associated฀with฀higher฀scores.฀Maybe฀
students฀ who฀ had฀ to฀ wait฀ for฀ feedback฀
were฀ more฀ likely฀ to฀ think฀ about฀ the฀


questions฀ and฀ their฀ answers฀ longer฀
(especially฀ those฀ answers฀ to฀ questions฀
about฀which฀they฀had฀doubt).฀
Without฀ quizzes฀ or฀ other฀ study฀ aids฀
(such฀ as฀ assignments),฀ students฀ relied฀
on฀ other฀ methods฀ to฀ prepare฀ them฀ for฀
exams.฀ Students฀ in฀ the฀ same฀ course฀ in฀
the฀ spring฀ of฀ 2005,฀ for฀ example,฀ were฀
provided฀sample฀exams฀(with฀answers),฀
but฀ no฀ quizzes฀ or฀ assignments.฀ The฀
instructor฀ believed฀ that฀ students฀ may฀
have฀ attempted฀ to฀ memorize฀ answers฀
to฀ old฀ exam฀ questions฀ instead฀ of฀ using฀
them฀ as฀ a฀ study฀ aid฀ and฀ that฀ they฀ may฀
have฀ waited฀ until฀ the฀ last฀ moment฀ to฀
review฀ those฀ exams฀ and฀ read฀ their฀ text฀
and฀study฀notes.฀Scores฀from฀the฀spring฀
2005฀ semester฀ were฀ lower฀ (slightly฀ on฀
the฀first฀exam,฀significantly฀on฀the฀second)฀ compared฀ with฀ the฀ spring฀ 2006฀
semester฀ being฀ examined.฀ Without฀ the฀

consistent฀ (i.e.,฀ weekly)฀ work,฀ student฀
performance฀ suffers.฀ This฀ supposition฀
is฀supported฀by฀the฀findings฀reported฀in฀
Tables฀3฀and฀4.฀
Conclusion
Findings฀ on฀ the฀ effect฀ on฀ exam฀
grades฀of฀online฀quizzes฀offered฀in฀two฀
large฀ sections฀ of฀ introductory฀ finance฀
courses฀ indicate฀ that฀ timely,฀ consistent฀
completion฀of฀quizzes฀is฀associated฀with฀
increased฀exam฀scores.฀In฀particular,฀the฀
closer฀ to฀ when฀ the฀ material฀ is฀ covered฀
in฀ class฀ that฀ the฀ student฀ completes฀ the฀
quizzes,฀the฀greater฀the฀impact฀of฀simply฀
completing฀the฀quizzes.฀Weekly฀quizzes฀
appear฀to฀keep฀students฀up-to-date฀with฀
their฀ studies,฀ providing฀ some฀ students฀
with฀ a฀ measure฀ of฀ self-discipline฀ that฀
they฀ find฀ difficult฀ to฀ provide฀ for฀ themselves.฀I฀also฀found฀that฀timely฀answers฀
to฀and฀feedback฀on฀quiz฀questions฀is฀not฀
associated฀ with฀ increased฀ exam฀ scores.฀
In฀ fact,฀ weak฀ evidence฀ suggests฀ that฀
making฀ students฀ wait฀ for฀ answers฀ is฀
associated฀with฀higher฀exam฀scores.
The฀ ability฀ to฀ delay฀ quiz฀ submission฀ was฀ found฀ to฀ encourage฀ more฀
quiz฀ taking,฀ although฀ delaying฀ submission฀ reduced฀ the฀ benefits฀ of฀ the฀ quiz฀
(because฀ earlier฀ submission฀ is฀ associated฀with฀higher฀exam฀scores).฀What฀is฀
interesting฀ is฀ that฀ the฀ share฀ of฀ students฀
who฀ submitted฀ the฀ quizzes฀ declined฀ as฀
the฀ semester฀ progressed,฀ even฀ though฀
the฀ quizzes฀ appear฀ to฀ boost฀ their฀ exam฀
grade.฀Future฀research฀may฀create฀a฀way฀
to฀explore฀this฀result.฀
The฀findings฀presented฀in฀this฀article฀
are฀based฀on฀two฀large฀sections฀of฀introductory฀ finance,฀ but฀ there฀ is฀ no฀ reason฀ that฀ they฀ cannot฀ be฀ generalized฀ to฀
other฀introductory,฀or฀even฀other฀undergraduate,฀courses.฀Future฀research฀may฀
also฀ investigate฀ the฀ following:฀ (a)฀ the฀
importance฀of฀class฀size฀(Are฀the฀effects฀
similar฀in฀smaller฀classes?),฀(b)฀whether฀
the฀effects฀differ฀by฀in-class฀versus฀outof-class฀ quizzes,฀ and฀ (c)฀ whether฀ the฀
effects฀ differ฀ depending฀ on฀ if฀ the฀ quizzes฀ are฀ supervised฀ versus฀ unsupervised฀
and฀if฀they฀are฀individual฀versus฀group.฀
The฀present฀research฀provides฀solid฀evidence฀ that฀ quizzes฀ do฀ in฀ fact฀ benefit฀
students.฀ Quizzes฀ seem฀ to฀ provide฀ an฀
incentive฀ to฀ students฀ that฀ they฀ cannot฀
provide฀for฀themselves.฀
January/February฀2009฀

139

Downloaded by [Universitas Maritim Raja Ali Haji] at 22:48 11 January 2016

Recommendations฀for฀achieving฀similar฀results฀include฀the฀following:฀
1.฀Clearly฀ and฀ repeatedly฀ tell฀ the฀ students฀ that฀ the฀ purpose฀ of฀ the฀ quizzes฀ is฀ not฀ evaluative,฀ but฀ rather฀ to฀
keep฀ them฀ on฀ track.฀ Head฀ off฀ the฀
issue฀ of฀ cheating:฀ Tell฀ students฀ that฀
cheating฀defeats฀the฀purpose,฀but฀it฀is฀
their฀choice.฀Choice฀has฀been฀shown฀
in฀the฀educational฀psychology฀literature฀ to฀ be฀ an฀ important฀ source฀ of฀
intrinsic฀ motivation฀ (Anderman฀ &฀
Midgley,฀ 1998;฀ Brooks,฀ Freiburger,฀
&฀Grotheer,฀1998;฀Svinicki,฀2005).฀
2.฀Provide฀ small,฀ easily฀ obtainable฀
rewards.฀The฀rewards฀should฀not฀be฀so฀
large฀as฀to฀make฀the฀choice฀of฀whether฀
to฀ complete฀ the฀ quizzes฀ a฀ Hobson’s฀
choice;฀that฀is,฀no฀choice฀at฀all.฀
3.฀Provide฀ a฀ mix฀ ranging฀ from฀ easy฀ to฀
challenging฀questions.฀If฀most฀of฀the฀
questions฀ are฀ fairly฀ easy,฀ then฀ given฀
a฀modicum฀of฀studying,฀students฀will฀
be฀ rewarded฀ for฀ keeping฀ up-to-date.฀
A฀ couple฀ of฀ more฀ difficult฀ questions฀
(perhaps฀ 20%฀ of฀ the฀ total)฀ will฀ get฀
students฀ thinking฀ a฀ little฀ more฀ deeply฀ and฀ keep฀ the฀ more฀ able฀ students฀
interested.฀Tell฀students฀that฀the฀exam฀
questions฀may฀be฀a฀bit฀more฀challenging฀on฀the฀whole.
4.฀Minimize฀the฀penalty฀for฀not฀submitting฀ all฀ the฀ quizzes฀ because฀ students฀
occasionally฀ have฀ technical฀ or฀ personal฀problems.฀I฀use฀a฀sliding฀scale฀
grading฀system฀partly฀for฀this฀reason.฀
Students฀ can฀ miss฀ a฀ quiz฀ and฀ some฀
additional฀ questions฀ without฀ being฀
penalized฀directly.
5.฀For฀ online฀ quizzes,฀ allow฀ students฀ to฀
open฀ the฀ quiz฀ as฀ many฀ times฀ as฀ they฀

140฀

Journal฀of฀Education฀for฀Business

want.฀That฀permission฀headed฀off฀the฀
effects฀ of฀ computer-related฀ problems฀
(e.g.,฀ crashes,฀ blocked฀ pop-up฀ windows).฀I฀counted฀the฀first฀submission.฀
6.฀Have฀ a฀ time฀ limit.฀ A฀ time฀ limit฀ on฀
the฀ quiz฀ (I฀ used฀ 5฀ min฀ per฀ question)฀
provides฀incentive฀for฀students฀to฀prepare฀before฀beginning฀the฀quiz.฀
Last,฀Waite฀(2007)฀provided฀a฀helpful฀
guide฀ to฀ creating,฀ administering,฀ and฀
analyzing฀ online฀ quizzes฀ on฀ WebCT.฀
Textbooks฀ often฀ come฀ with฀ question฀
banks฀ that฀ can฀ be฀ loaded฀ onto฀ WebCT฀
(or฀ similar฀ platforms,฀ such฀ as฀ Blackboard),฀ lowering฀ the฀ cost฀ of฀ creating฀
reasonable฀ quizzes.฀ Quizzes฀ need฀ not฀
be฀long฀or฀complicated,฀especially฀if฀the฀
purpose฀ is฀ to฀ keep฀ students฀ up-to-date฀
with฀their฀studying.฀Analysis฀of฀the฀quiz฀
results฀ can฀ also฀ provide฀ the฀ instructor฀
with฀feedback฀concerning฀how฀well฀students฀understand฀different฀concepts.฀
NOTE
Dr.฀Lester฀Hadsell฀is฀an฀assistant฀professor฀of฀
Economics฀ at฀ the฀ State฀ University฀ of฀ New฀York,฀
College฀at฀Oneonta,฀where฀he฀teaches฀introductory฀
and฀intermediate฀microeconomics,฀public฀finance,฀
and฀government฀and฀business.฀He฀has฀also฀taught฀
economics฀ and฀ finance฀ at฀ SUNY฀ Albany,฀ Siena฀
College,฀and฀Rensselaer฀Polytechnic฀Institute.฀His฀
research฀interests฀ include฀ economics฀and฀ finance฀
education,฀ electricity฀ markets,฀ and฀ local฀ public฀
finance.฀
Correspondence฀ concerning฀ this฀ article฀ should฀
be฀addressed฀to฀Lester฀Hadsell,฀Division฀of฀Economics฀ and฀ Business,฀ State฀ University฀ of฀ New฀
York,฀ College฀ of฀ Oneonta,฀ 108฀ Ravine฀ Parkway,฀
Oneonta,฀NY฀13820,฀USA.฀
E-mail:฀[email protected]
REFERENCES
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