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All Journal Jurnal Samudra Ekonomi dan Bisnis
Leto, Longuinhos Armando Silveira Idalina
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Determinasi Perilaku Menabung melalui Literasi Keuangan, Inklusi Keuangan, dan Pendapatan: Bukti Empiris dari UNPAZ Timor-Leste Leto, Longuinhos Armando Silveira Idalina; Iramani, Iramani
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 2 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i2.14147

Abstract

The study analyzes the impact of financial literacy, financial inclusion, and income levels on the savings behavior of lecturers and staff at the University of Paz (UNPAZ) in Timor-Leste. The methodology used was quantitative, with a survey conducted on 120 respondents selected through proportional random sampling. Data were analyzed using structural equation modeling–partial least squares (SEM-PLS). The results showed that financial inclusion and income substantially influence savings behavior, although financial literacy did not have a significant effect. These findings indicate that in addition to financial knowledge, structural and economic variables such as access to financial services and income significantly influence savings behavior. These findings emphasize the importance of increasing financial inclusion by facilitating access to formal financial services as a more effective and sustainable approach to encouraging savings behavior.
Co-Authors Iramani, Iramani