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All Journal Comvice : Journal of community service JMD: Jurnal Riset Manajemen & Bisnis Dewantara
Irea Arrahima
Institut Teknologi dan Bisnis PGRI Dewantara Jombang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGENALAN PAYMENT GATEWAY SEBAGAI ALTERNATIF PEMBAYARAN DAN DIGITALISASI PENCATATAN KAS PADA DYARALARASATI WEDDING ATTIRE JOMBANG Irea Arrahima; Nurianah; Beni Sucipto; Dwi Ermayanti Susilo
COMVICE: Journal Of Community Service Vol. 10 No. 1 (2026): April (2026)
Publisher : ITEBIS PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/comvice.v10i1.1534

Abstract

This community service program was implemented in response to the low adoption of digital financial systems among MSMEs in the service sector, particularly wedding attire rental businesses, which have high transaction volumes but still rely on cash payments and manual cash recording. This situation risks operational inefficiencies, recording errors, and limited data-driven decision-making. This activity aims to introduce payment gateway-based payment alternatives and implement digital cash recording at the Dyaralarasati Jombang Wedding Attire. The service method was implemented through outreach, application training, direct mentoring, and achievement evaluation. An integrative approach that connects digital payment acceptance systems with daily cash recording in a single financial management flow demonstrates increased partner understanding of selecting a payment gateway that suits the nature of the business and the ability to perform more accurate, transparent, and real-time digital cash recording. This implementation is expected to strengthen the financial resilience of MSMEs and enhance their business readiness for the digital economy ecosystem.
ANALISIS PERILAKU HERDING DAN OVERCONFIDENCE DALAM PENGAMBILAN KEPUTUSAN INVESTASI GENERASI Z KABUPATEN JOMBANG DI PASAR SAHAM SYARIAH INDONESIA Beni Sucipto; Saiful Aminudin Al Kusuma Putra; Nurianah; Irea Arrahima
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 9 No. 1 (2026): Januari (2026) - Juni (2026)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v9i1.1547

Abstract

This study examines the effects of herding behavior and overconfidence on investment decision-making among Generation Z in Jombang Regency in the Islamic (Sharia-compliant) stock market. The study is motivated by the growing interest in investing among young people, supported by financial technology, yet accompanied by vulnerability to behavioral biases that may affect the rationality of decisions. This research adopts a quantitative approach using a survey of 150 Generation Z investors in Jombang who actively invest in Sharia-compliant stocks. The data were analyzed using multiple linear regression. The data analysis technique employed was PLS-SEM, and the analytical tool used was SmartPLS version 4. The results show that herding has no significant effect on investment decision-making, whereas overconfidence has a significant effect and is the most dominant factor. This indicates that Generation Z in Jombang does not tend to directly follow others’ behavior or external recommendations when making investment decisions. Instead, they are more influenced by a high level of self-confidence in their own ability to analyze market information. These findings suggest that Generation Z’s investment decisions in Jombang are highly rational. This study recommends strengthening Islamic financial literacy education to develop smarter and more mature investors.
Co-Authors Beni Sucipto Dwi Ermayanti Susilo Nurianah Saiful Aminudin Al Kusuma Putra