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Fernando Saragih
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

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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.
The Influence of Promotion, Service Quality, and Trust on Purchasing Decisions at Ayam Geprek Romansa Maria Ermianti Wawe; Markus Umbu K Yewang; Fernando Saragih
Varied Knowledge Journal Vol. 4 No. 1 (2026): Varied Knowledge Journal, August 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v4i1.308

Abstract

The increasingly competitive culinary industry requires businesses to understand the factors influencing purchasing decisions in order to maintain business sustainability. This study aims to analyze the effects of promotion and service quality on purchasing decisions, with trust serving as a mediating variable at Ayam Geprek Romansa, Penfui, Kupang. A quantitative approach with a survey method was employed, involving 100 female university students living in boarding houses as respondents, who were selected using purposive sampling. The selection of respondents was based on the characteristics of female boarding-house students as consumers with limited budgets, making them more likely to adopt rational and selective approaches when making spending decisions. The data were analyzed using path analysis to examine the direct and indirect effects among the variables. The results indicate that promotion has no significant effect on either trust or purchasing decisions. In contrast, service quality has a positive and significant direct effect on purchasing decisions but does not significantly affect trust. Trust also has no significant effect on purchasing decisions and does not mediate the relationship between promotion or service quality and purchasing decisions. These findings indicate that respondents’ purchasing decisions are influenced more strongly by their direct service experiences than by promotional activities or trust. This condition is further supported by respondents’ financial prudence and limited flexibility in digital payment methods, which may hinder the conversion of trust into actual purchasing decisions.
Interaksi Gaya Hidup Dan Media Sosial Terhadap Perilaku Konsumtif Mahasiswa Perempuan Universitas Nusa Cendana Fransiska Yuliana; Andri Paulus Loe; Fernando Saragih
Varied Knowledge Journal Vol. 4 No. 1 (2026): Varied Knowledge Journal, August 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v4i1.309

Abstract

The high level of consumptive behavior among university students is influenced by various factors originating from both internal and external environments. Lifestyle changes in the modern era and the increasing intensity of social media usage are presumed to contribute to the emergence of consumptive tendencies among students. This study aims to examine the influence of lifestyle and social media platforms on the consumptive behavior of female students at Universitas Nusa Cendana. Female students were selected as the research subjects due to their distinct consumption characteristics. This study employed a quantitative approach with a cross-sectional design. A total of 100 female students were selected as the sample using accidental sampling, as respondents were chosen based on accessibility and their fulfillment of predetermined research criteria. Data were collected through questionnaires and analyzed using multiple linear regression analysis. The findings indicate that lifestyle and social media usage have a positive and significant effect on students’ consumptive behavior, both partially and simultaneously. The coefficient of determination (R²) value of 74.4% reflects that students’ consumptive behavior can be explained by lifestyle and social media, while the remaining percentage is influenced by other factors beyond the scope of this study. These results demonstrate that an increased lifestyle orientation and higher intensity of social media usage are associated with a greater tendency toward consumptive behavior among students. Therefore, this study recommends that students develop greater awareness in managing their lifestyle and social media usage to prevent excessive consumptive behavior.
Determinasi Perilaku Kecurangan Akademik Mahasiswa di Era Artificial Intelligence: Peran Penggunaan AI Generatif, Self-Efficacy, dan Moral Resti Logo; Yeheskial Nggandung; Fernando Saragih
Varied Knowledge Journal Vol. 4 No. 1 (2026): Varied Knowledge Journal, August 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v4i1.310

Abstract

The development of generative Artificial Intelligence (AI) has transformed learning processes in higher education while raising concerns about the increasing prevalence of academic dishonesty among university students. This study aims to examine the effects of generative AI use, self-efficacy, and morality on academic dishonesty among students at Universitas Nusa Cendana. A quantitative approach with a cross-sectional survey design was employed. The study involved 120 social science students who used generative AI in their academic activities and were selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression, including t-tests, F-tests, and the coefficient of determination. The results indicate that generative AI use has a positive but insignificant effect on academic dishonesty, while self-efficacy has a negative but insignificant effect. In contrast, morality has a positive and significant effect on academic dishonesty. Simultaneously, the three variables have a significant effect on students' academic dishonesty. The findings indicate that academic dishonesty is shaped by the interaction of technological, psychological, and moral factors, with morality emerging as the primary determinant of students' tendency to engage in academic dishonesty. Furthermore, this study extends the application of the Fraud Diamond Theory by demonstrating that a sound understanding of moral values does not necessarily translate into consistent ethical behavior and, therefore, may not always prevent academic dishonesty.
Prilaku Kecurangan Akademik dalam Perspektif Tekanan Sosial Mikro: Peran Kontrol Diri Sebagai Variabel Mediasi Maria Carmelita Bulu; Fernando Saragih; Markus Umbu K. Yewang
Varied Knowledge Journal Vol. 4 No. 1 (2026): Varied Knowledge Journal, August 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v4i1.311

Abstract

This study examines academic cheating behavior from the perspective of micro-level social pressure, emphasizing the mediating role of self-control. The study focuses on recipients of the KIP-Kuliah scholarship with a GPA above 3.00 at Universitas Nusa Cendana, where close social relationships, particularly with family and peers, represent the primary sources of pressure. The study population consisted of all KIP-Kuliah recipients at Universitas Nusa Cendana. A total of 110 respondents were selected using accidental sampling due to the absence of a specific official population list, making participant recruitment dependent on the availability of eligible respondents during the data collection period. The data were analyzed using path analysis. The findings indicate that micro-level social pressure not only has a direct effect on academic cheating but also exerts an indirect effect by weakening students' self-control. Students are more likely to engage in academic cheating when pressure from their immediate social environment exceeds their capacity for emotional regulation and self-restraint. These findings suggest that preventive interventions should prioritize strengthening students' psychological resilience and self-control rather than relying solely on administrative sanctions. From a theoretical perspective, this study extends Fraud Triangle Theory by demonstrating that the pressure dimension in academic settings arises primarily from everyday social interactions rather than financial factors alone.
Pengaruh Work-Life Balance dan Kepuasan Kerja Terhadap Kinerja Pegawai Dengan Komitmen Kerja Sebagai Variabel Mediasi Di Dinas Kesehatan Provinsi Nusa Tenggara Timur Merliana Aryanti Palan Barek; Ari Data; Fernando Saragih
Varied Knowledge Journal Vol. 4 No. 1 (2026): Varied Knowledge Journal, August 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v4i1.322

Abstract

Employee performance is an important factor in improving the quality of public health services, influenced by various aspects, such as work-life balance, job satisfaction, and organizational commitment. Therefore, this study focuses on employees of the East Nusa Tenggara Provincial Health Office as an agency facing high public service demands and workloads. This study aims to analyze the influence of work-life balance and job satisfaction on employee performance with organizational commitment as a mediating variable. This study uses organizational behavior-based human resource management theory as a theoretical basis to explain how work-life balance and job satisfaction affect employee performance through the formation of organizational commitment. The study used a quantitative approach with a survey method of 100 respondents who were employees of the East Nusa Tenggara Provincial Health Office and were selected using a purposive sampling technique. Data were analyzed using path analysis. The results showed that job satisfaction and organizational commitment had a positive and significant effect on employee performance, while work-life balance did not have a significant direct effect on employee performance, but had an indirect effect through organizational commitment. These findings indicate that organizational commitment plays an important role as a mediating variable in improving employee performance. This research is expected to enrich the literature on organizational behavior, particularly regarding the factors that influence employee performance in the public health services sector.
Co-Authors Andri Paulus Loe Ari Data Fransiska Yuliana Hildegardis Goba Mboti Maria Carmelita Bulu Maria Ermianti Wawe Markus Umbu K Yewang Markus Umbu K. Yewang Merliana Aryanti Palan Barek Resti Logo Saverius Kebabu Yeheskial Nggandung