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All Journal JMD: Jurnal Riset Manajemen & Bisnis Dewantara Jumat Informatika: Jurnal Pengabdian Masyarakat Reviu Akuntansi, Manajemen, dan Bisnis Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) Ulil Albab
Saiful Aminudin Al Kusuma Putra
Universitas PGRI Jombang
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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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.
Geopolitik, Fintech, Inflasi dan Fragilitas Ekonomi Dunia: Sebuah Tinjauan Bibliometrik atas Konflik di Timur Tengah Saiful Aminudin Al Kusuma Putra; Nuril Hikmah; Moh. Yasir
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 7: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i7.17375

Abstract

Meningkatnya ketegangan geopolitik global dalam satu dekade terakhir telah memperkuat hubungan antara risiko politik internasional, stabilitas keuangan, inflasi, dan perkembangan teknologi keuangan. Kondisi ini mendorong perlunya pemetaan komprehensif terhadap perkembangan literatur yang membahas keterkaitan antara risiko geopolitik, Financial Technology (Fintech), inflasi, dan fragilitas ekonomi global. Penelitian ini bertujuan untuk memetakan lanskap intelektual global mengenai tema tersebut selama periode 2016–2026. Penelitian menggunakan pendekatan Systematic Literature Review berbasis protokol PRISMA yang dipadukan dengan analisis bibliometrik. Sebanyak 973 dokumen terpilih dianalisis dan divisualisasikan menggunakan VOSviewer untuk mengidentifikasi pola perkembangan penelitian, tema dominan, dan arah riset masa depan. Hasil penelitian menunjukkan bahwa eskalasi konflik di Timur Tengah telah berkembang menjadi salah satu sumber utama ketidakpastian ekonomi global. Dampaknya ditransmisikan terutama melalui sektor energi, di mana volatilitas harga memicu tekanan inflasi berbasis biaya (cost-push inflation), mendorong kebijakan moneter yang lebih ketat, dan meningkatkan kerentanan sistem keuangan global. Analisis bibliometrik mengidentifikasi empat klaster utama penelitian, yaitu risiko geopolitik dan energi, pasar keuangan dan aset safe-haven, inovasi keuangan berbasis Fintech, serta stabilitas makroekonomi. Selain itu, analisis overlay menunjukkan adanya pergeseran paradigma penelitian menuju integrasi Fintech dan aset digital sebagai instrumen baru untuk meningkatkan resiliensi ekonomi dalam menghadapi ketidakpastian global. Temuan ini menegaskan pentingnya inovasi keuangan digital sebagai salah satu strategi adaptif dalam menjaga stabilitas ekonomi di tengah dinamika geopolitik yang semakin kompleks
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.
Peningkatan Pelayanan Publik Pemerintah Desa Melalui Sistem Running Text Khotim Fadhli; Rendy Nur Deva; Saiful Aminudin Alkusuma Putra; Siti Munawaroh; Deny Setiawan; Aditiya Bayu Firmansya; Dimas Arif Saputra; A. Syauqi Khumaini; Wilda Prayoga
Jumat Informatika: Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): April
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasif.v6i1.5372

Abstract

The application of running text technology at the Ketapangkuning Village Hall aims to increase the efficiency of disseminating public information which so far still relies on conventional methods. This program is implemented using a community service method which includes several stages, namely planning through a needs survey, installing running text technology in strategic locations, training village officials in operating the system, and evaluating the effectiveness of implementing this technology. With running text, important information such as meeting schedules, announcements and public services can be displayed in real-time and repeatedly, making it easier for the public to access. This program also equips village officials with technological skills to manage the system independently. The results of the implementation show an increase in the transparency of public services, the effectiveness of meetings, and community participation in village activities. Overall, this system has succeeded in supporting better, open and accountable village governance, and has the potential to become a model for other villages with similar challenges in disseminating public information.  
Creative Economy Development: Government Efforts and the Use of Digital Media for MSMEs in East Java Cahyo Tri Atmojo; Saiful Aminudin Al Kusuma Putra; Yudhi Ferdi Andri Asmawan
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 20 No 1 (2026): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v20i1.2419

Abstract

The purpose of this study is to identify government efforts that have been carried out through the interview and documentation process, especially for the government through the Cooperative and MSMEs service, to identify the use of digital media, to identify the impact of government efforts and the use of digital media, to identify the impact of government efforts and the use of digital media by MSMEs in the field of Batik Crafts by MSMEs. The method used by the researchers was a qualitative approach. The research findings indicate that the government's efforts to develop the creative economy are supported by training facilitated by the department, and the district government, through the Cooperatives, MSMEs, and Trade Department, also provides assistance in business management, including the use of digital media. The research findings on the use of digital media by MSMEs indicate that artisans and entrepreneurs have utilized digital media for marketing activities, with Instagram and TikTok being the most common. Research findings related to the impact of government efforts and the use of digital media can be seen to have a positive impact, namely, it can further improve the competence or quality of artisans in the digital world.
Exploration of Centennial Generation's Visual Attention Towards Digital Investment Platforms: An Eye-Tracking-Based Neuromarketing Approach Saiful Aminudin Al Kusuma Putra; Yudhi Ferdi Andri Asmawan
Reviu Akuntansi, Manajemen, dan Bisnis Vol 6 No 3 (2026): September
Publisher : Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v6.n3.p141-154.2026

Abstract

Purpose: The purpose of this study is to explore the visual attention patterns of Generation Z (Centennials) on digital investment platforms.Research Methodology: Using an eye-tracking-based neuromarketing approach, supported by a quantitative approach, this study conducted an experiment to compare the visual behavior of novice and experienced investors. The sample in this study consisted of 90 students and capital market practitioners using a snowball collection techniqueResults: The results show that investors predominantly focus on the order book, running trade, and stock chart features. Furthermore, there are significant differences. Experienced investors have a strategic attention pattern, starting with viewing the global market overview (Global Index) before focusing on specific data (Order Book, Running Trade). They also master analytical tools and spend time on chart indicators. In contrast, novice investors tend to be exploratory, spending more time processing real-time data and focusing more on price visualizations (Stock Charts).Conclusions: The conclusions of this study emphasize the importance of app design tailored to user experience levels to effectively increase financial literacy and inclusion.Limitations: This study is limited by its geographical focus on Generation Z participants in Surabaya, which may restrict the generalizability of the findings to other regions or demographic contexts. Additionally, the use of a single digital investment platform may limit cross-platform applicability.Contributions: This study contributes original insights by integrating eye-tracking-based neuromarketing methods into the context of digital investment behavior among Generation Z in Indonesia an area that remains underexplored.
Co-Authors A. Syauqi Khumaini Aditiya Bayu Firmansya Beni Sucipto Beni Sucipto Cahyo Tri Atmojo Deny Setiawan Dimas Arif Saputra Irea Arrahima Khotim Fadhli Moh. Yasir Nurianah Nuril Hikmah Rendy Nur Deva Siti Munawaroh Wilda Prayoga Yudhi Ferdi Andri Asmawan Yudhi Ferdi Andri Asmawan