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All Journal Jurnal Mantik Enrichment : Journal of Management Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis International Journal of Social Learning (IJSL) Jurnal Ekonomi International Journal of Applied Finance and Business Studies Society: Jurnal Pengabdian Masyarakat Indonesian Journal of Educational Development (IJED) Journal of Practical Management Studies Jurnal Bisnis Dan Manajemen: Bisman ARTOKULO: Journal of Accounting, Economic and Management Science Get Journal Diakoneo: Jurnal Pengabdian kepada Masyarakat
Marianus Hendrilensio Sanga
Politeknik Negeri Kupang, Indonesia
Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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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.
Co-Authors Andrianantenaina, Hajanirina Aryuditha, Verylyanny Bangngu, Sani Alesya Budi Suharto, Raden Setya Clara M. Reinamah David Samuel Latupeirissa, David Samuel Dheghu, Yosef Paseli Dima, Rohani Purnamasari Dioh, Septia Sakalini Hale, Katarina Derice Handa, Resky Pramudita Jappy P. Fanggidae Kefi, Darwin Yopie Latumahina, Olivia Made Denny Oktaryana Manafe, Janri.D Martina K Rupa Muni, Wilhelmina Nino, Indawati Jauhar Noble Sam Prince Olivia Latumahina Patrisius Seran, Patrisius Prakoso, Dimas Bagus Resvina Situmorang Reu, Fransiskus Marlon Rupa, Martina Kaisriani Sanam, Yefta Seik, Merlinda Friday Situmorang, Resvina Sogen, Skolastika Ananda Queen Suharto, Raden Setya Budi Takena, Rizka Angela Tarigan, Surya Setiadi Taus, Stefani Petriana Welhelmina Titian Jelita Tuka Tuti Setyorini Wilhelmina Muni Wilhelmina Muni Wora, Alini Yessi Susan Intan P. Benu Yopie Kefi, Darwin