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STIE PGRI Dewantara Jombang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PERAN BIAS KOGNITIF DALAM MENJELASKAN EFEKTIVITAS MANAJEMEN KEUANGAN PELAKU UMKM KULINER PASAR RAMADHAN DI DESA TAMBAKREJO Beni Sucipto; Saiful Aminudin Al Kusuma Putra
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 7 No. 1 (2024): Januari (2024) - Juni (2024)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v7i1.1554

Abstract

This study aims to analyze the role of cognitive bias in explaining the effectiveness of financial management among MSME actors in Tambakrejo Village, Jombang. A quantitative approach with an explanatory research design was employed using a survey method. Data were collected through a 5-point Likert-scale questionnaire measuring cognitive biases (e.g., overconfidence, anchoring, confirmation bias, availability bias, and loss aversion) and financial management effectiveness (financial planning, recordkeeping, budgeting, financial control, and financial evaluation). The sample consisted of 60 culinary MSME operators participating in the Ramadan Market in Tambakrejo, Jombang, selected using total sampling based on predetermined criteria. Data analysis was conducted using SPSS version 24, including descriptive statistics, instrument quality testing (validity and reliability/Cronbach’s alpha), classical assumption tests, and hypothesis testing using linear regression (t-test and the coefficient of determination, ) at a significance level of 0.05. The findings are expected to provide empirical evidence on how cognitive biases influence financial decision-making and, in turn, affect the effectiveness of financial management among culinary MSMEs, thereby informing more targeted financial literacy and business mentoring programs for MSME actors in the study area.
PENGARUH ADOPSI TEKNOLOGI FINANSIAL TERHADAP INKLUSI KEUANGAN DI INDONESIA: STUDI EMPIRIS PADA GENERASI MILENIAL DI KABUPATEN JOMBANG Beni Sucipto
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 6 No. 1 (2023): Januari (2023) - Juni (2023)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v6i1.1741

Abstract

Perkembangan teknologi finansial (financial technology/fintech) telah menjadi salah satu faktor penting dalam meningkatkan akses masyarakat terhadap layanan keuangan formal. Namun, tingkat inklusi keuangan di Indonesia masih menghadapi berbagai tantangan, terutama dalam mengoptimalkan pemanfaatan layanan keuangan digital oleh generasi milenial. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi teknologi finansial terhadap inklusi keuangan pada generasi milenial di Kabupaten Jombang. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory research. Data dikumpulkan melalui penyebaran kuesioner kepada 90 responden yang dipilih menggunakan teknik purposive sampling, yaitu generasi milenial yang berdomisili di Kabupaten Jombang dan telah menggunakan layanan teknologi finansial. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa adopsi teknologi finansial berpengaruh positif dan signifikan terhadap inklusi keuangan. Temuan ini menunjukkan bahwa semakin tinggi tingkat pemanfaatan layanan fintech, semakin tinggi pula akses dan penggunaan layanan keuangan formal oleh generasi milenial. Penelitian ini juga membuktikan bahwa Technology Acceptance Model (TAM) masih relevan dalam menjelaskan perilaku adopsi teknologi pada sektor keuangan digital. Secara praktis, hasil penelitian memberikan implikasi bagi pemerintah, regulator, lembaga keuangan, dan penyedia layanan fintech untuk terus memperluas akses layanan keuangan digital, meningkatkan keamanan sistem, serta memperkuat program literasi keuangan digital guna mendorong peningkatan inklusi keuangan. Penelitian ini diharapkan dapat memberikan kontribusi empiris bagi pengembangan kajian mengenai adopsi teknologi finansial dan inklusi keuangan, khususnya pada kelompok generasi milenial di Indonesia.
PENGARUH LITERASI KEUANGAN DAN SIKAP RISIKO TERHADAP KEPUTUSAN INVESTASI SYARIAH GENERASI MILENIAL: PENDEKATAN SEM-PLS DI KABUPATEN JOMBANG Beni Sucipto
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 6 No. 1 (2023): Januari (2023) - Juni (2023)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v6i1.1576

Abstract

This study aims to examine the influence of financial literacy and risk attitude on sharia investment decisions among Millennials in Jombang Regency. The increasing participation of young investors in the Islamic capital market highlights the need for a more comprehensive understanding of the cognitive and psychological factors that influence sharia-compliant investment decision-making. This research employs a quantitative approach with an explanatory research design through a survey of 80 Millennial respondents who have experience or interest in Islamic investment instruments. Purposive sampling was applied, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS version 8.0. The results indicate that financial literacy has a positive and significant effect on sharia investment decisions (β = 0.438; p < 0.001), and risk attitude also has a positive and significant effect (β = 0.334; p < 0.001). The coefficient of determination (R² = 0.417) shows that both variables explain 41.7% of the variance in investment decisions, indicating moderate explanatory power. The predictive relevance value (Q² = 0.398) further confirms the model’s strong predictive capability. These findings suggest that sharia investment decisions are simultaneously influenced by rational factors (financial knowledge) and psychological factors (risk tolerance).
DETERMINAN KEPUTUSAN INVESTASI SAHAM SYARIAH PADA INVESTOR MILENIAL DI JOMBANG: PERAN KEMUDAHAN AKSES INFORMASI DIGITAL DAN PERSEPSI RISIKO DENGAN PENDEKATAN STRUCTURAL EQUATION MODELING - PARTIAL LEAST SQUARE (SEM-PLS) Beni Sucipto
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 5 No. 1 (2022): Januari (2022) - Juni (2022)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v5i1.1597

Abstract

This study aims to analyze the influence of ease of access to digital information and risk perception on sharia stock investment decisions among millennial investors in Jombang. The increasing number of millennial investors in Indonesia’s Islamic capital market highlights the need to understand the factors influencing their investment decisions, especially in the digital era where access to information is easier but also accompanied by various risks. This research adopts a quantitative approach using the Structural Equation Modeling – Partial Least Square (SEM-PLS) method with SmartPLS Version 4 as the analytical tool. The population consists of millennial investors registered in the Sharia Investment Gallery (GIS) and investor communities in the Jombang area. The sampling technique employed is purposive sampling with criteria including individuals aged 20–40 years (millennial category), those who have invested in sharia stocks, and those residing in Jombang. The total sample size is 90 respondents. Data were collected through the distribution of online questionnaires using Google Forms. The variables examined in this study include ease of access to digital information, risk perception, and sharia stock investment decisions. Data analysis using SmartPLS Version 4 includes evaluation of the outer model (convergent and discriminant validity tests, as well as reliability tests using composite reliability and Cronbach’s alpha) and evaluation of the inner model (R-square, Q-square, and hypothesis testing using path coefficients, T-statistics, and P-values). The results indicate that ease of access to digital information and risk perception have a positive and significant effect on sharia stock investment decisions among millennial investors in Jombang. These findings suggest that the easier the access to digital information and the better the investors’ risk perception, the more prudent their investment decision-making.
Co-Authors Saiful Aminudin Al Kusuma Putra