Leto, Longuinhos Armando Silveira Idalina (2026) Pengaruh Literasi Keuangan, Inklusi Keuangan dan Pendapatan terhadap Perilaku Menabung (Studi Pada Dosen dan Staff Universidade da Paz-UNPAZ Dili,Timor-Leste). Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the effects of financial literacy, financial inclusion, and income on the saving behavior of lecturers and staff at Universidade da Paz (UNPAZ), Dili, Timor-Leste. The population consisted of all lecturers and staff of Universidade da Paz, Dili, Timor-Leste, with a sample of 213 respondents selected using proportional random sampling. Primary data were collected through questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that financial literacy does not have a significant effect on saving behavior. In contrast, financial inclusion has a positive and significant effect on saving behavior, indicating that easier access to and utilization of formal financial services encourage individuals to save more consistently. Income also has a positive and significant effect on saving behavior, meaning that higher income increases individuals’ capacity to allocate a portion of their earnings to savings. The research model explains 51.6% of the variation in saving behavior. These findings indicate that access to financial services and economic capacity play a more important role in shaping saving behavior than financial knowledge alone. Keywords: Financial Literacy; Financial Inclusion; Income; Saving Behavior
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT |
| Divisions: | Magister of Management |
| Depositing User: | LONGUINHOS ARMANDO SILVEIRA IDALINA LETO |
| Date Deposited: | 06 Oct 2026 03:40 |
| Last Modified: | 06 Oct 2026 03:40 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/14522 |
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