Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Varied Knowledge Journal
Andri Paulus Loe
Program Studi Pendidikan Ekonomi, Universitas Nusa Cendana, Indonesia
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Peran Literasi Keuangan dan Kontrol Diri terhadap Minat Menabung Mahasiswa dalam Perspektif Theory of Planned Behavior Saverius Kebabu; Andri Paulus Loe; Fernando Saragih
Varied Knowledge Journal Vol. 3 No. 4 (2026): Varied Knowledge Journal, May 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v3i4.209

Abstract

This study focuses on the process of the formation of variable Y through the influence of the independent variables, specifically X1 and X2, involving students as the research subjects. In addition, this study also considers respondents’ characteristics, such as gender, economic background, and place of residence. The purpose of this research is to identify the effects of financial literacy and self-control ability on the saving interest of students from the Faculty of Teacher Training and Education at Universitas Nusa Cendana by considering the criteria mentioned above. This research adopts a quantitative approach with an explanatory research design. The sample consisted of 100 students selected using incidental nonprobability sampling techniques. Data were collected through questionnaires that had been tested for validity and reliability. The analytical techniques employed included multiple linear regression, t-tests, F-tests, and the coefficient of determination, after all classical assumption tests had been fulfilled. The results of this study indicate that financial literacy has a positive and significant effect on saving interest, with a t-value of 22.899. Self-control ability also demonstrates a positive and significant influence, with a t-value of 22.871. Simultaneously, both variables have a significant effect on saving interest, with an F-value of 626.207 and a significance level of 0.000. The coefficient of determination value of 92.8% indicates that saving interest is influenced by financial literacy and self-control, while the remaining percentage is affected by other factors outside the scope of this study.
Analisis Minat Menabung Mahasiswa Generasi Z Ditinjau dari Gaya Hidup, Kontrol Diri, dan Perilaku Keuangan Hildegardis Goba Mboti; Andri Paulus Loe; Fernando Saragih
Varied Knowledge Journal Vol. 3 No. 4 (2026): Varied Knowledge Journal, May 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v3i4.212

Abstract

Saving interest is an important aspect influenced by financial behavior, lifestyle, and self-control. Therefore, this study focuses on the characteristics of Generation Z as a group with distinctive financial behavior patterns. This study aims to analyze the influence of lifestyle and self-control on Generation Z students’ saving interest through financial behavior as a mediating variable. This study employs the Theory of Planned Behavior (TPB) as the theoretical framework to explain how personal and social factors can influence students’ saving interest through the formation of financial behavior. This study uses a quantitative approach with a survey method involving 100 students from five public universities in Kupang City selected through incidental sampling. The data were analyzed using path analysis. The results indicate that lifestyle and financial behavior have a positive and significant effect on saving interest, whereas self-control does not have a significant direct effect but has an indirect effect through financial behavior. These findings indicate that financial behavior plays an important role as a mediator in increasing students’ saving interest. This study contributes to expanding the application of the Theory of Planned Behavior in explaining the saving behavior of Generation Z students in the digital transaction era.
Co-Authors Fernando Saragih Hildegardis Goba Mboti Saverius Kebabu