Example-based learning environments are being used in many different domain
s. However, examples contain convenient instructions for learners and, ther
efore, may invite passive and superficial processing. To avoid this unwante
d and potentially harmful side-effect, The present experimental study combi
ned worked examples with problems to be solved. The effects of this instruc
tional measure were investigated using students of accounting as participan
ts. Fifteen junior clerks from a local bank were exposed to the combined le
arning method, 15 other apprentices were to just study the examples. The co
mbined method turned out to be superior in increasing both the quantity and
quality of elaborations of the material. In addition, it produced signific
antly and substantially better transfer to related problems. There fore, it
is recommended to integrate example-based and problem-based learning in in
structional design.