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The Effectiveness of KIP-Kuliah Scholarships on Student Academic Achievement in NTT Province: A Dual-Process Theory Approach to Financial Behavior and Social Environment Sanga, Marianus Hendrilensio; Situmorang, Resvina; Hale, Katarina Derice
International Journal of Social Learning (IJSL) Vol. 6 No. 2 (2026): April
Publisher : Indonesian Journal Publisher in cooperation with Indonesian Social Studies Association (APRIPSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/ijsl.v6i2.558

Abstract

Financial behavior of the KIP-Kuliah scholarship is a critical factor in supporting students’ academic success. This study examines dual-process thinking: intuition (Type 1) and rationality (Type 2), and the effectiveness of the KIP-Kuliah scholarship in shaping students’ financial behavior and academic achievement. Using a mixed-methods approach, the study integrates quantitative analysis through Structural Equation Modeling–Partial Least Squares (SEM-PLS) with qualitative interviews to enrich the interpretation of the findings. The results indicate that the KIP-Kuliah scholarship significantly improves academic achievement and encourages more structured financial behavior, with rational decision-making exerting a stronger influence than intuition. However, financial behavior does not mediate the relationship between scholarship effectiveness and academic performance, and the social environment does not moderate the effect of dual-process thinking on financial behavior. The study concludes that the scholarship directly enhances academic outcomes, while rational cognitive processes remain key to effective financial behavior.
Social Capital and Entrepreneurial Orientation on Micro-business Performance: A Study on Business Actors in East Nusa Tenggara Marianus Hendrilensio Sanga
Journal of Business, Accounting and Information Technology Vol. 1 No. 1 (2026): February 2026
Publisher : CV. Namora dan Riona Bersaudara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18665486

Abstract

Micro-enterprises play a crucial role in regional economic development, particularly in employment creation and poverty reduction. However, their performance in less-developed regions remains constrained by limited resources and structural challenges. This study examines the effects of social capital and entrepreneurial orientation on micro-enterprise performance in East Nusa Tenggara, Indonesia. Using a quantitative explanatory approach, data were collected through a survey of 50 micro-entrepreneurs in Kupang City and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that both social capital and entrepreneurial orientation have positive and significant effects on micro-enterprise performance. Entrepreneurial orientation reflected in innovativeness, proactiveness, and risk-taking, exhibits a stronger influence than social capital. Furthermore, the two variables jointly explain 58.7% of the variance in micro-enterprise performance, indicating substantial explanatory power. These findings highlight that non-financial factors play a vital role in enhancing micro-enterprise performance, particularly in regions characterized by strong social ties but limited institutional support. This study contributes to the entrepreneurship literature by integrating social capital and entrepreneurial orientation within a single empirical model and offers practical implications for micro-enterprise development policies that emphasize not only financial assistance but also the strengthening of social networks and entrepreneurial capabilities.