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Kab. banyumas,
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INDONESIA
Performance
Published by Universitas Jenderal Soedirman
ISSN : -     EISSN : 26158094     DOI : -
Core Subject : Education,
Education
Performance is our bianually peer-reviewed journal, designed to accommodate research articles in the domain of management science. This journal has been published by Faculty of Economics and Business, Universitas Jenderal Soedirman since 2003. We invite articles in all functional area of management, which mainly about (but not limited to) Human Resource, Marketing, Financial, Operational and Strategic Management.
Arjuna Subject : -
Articles 2 Documents
 1 
Search results for , issue "vol 32 no 2 (2025): performance" : 2 Documents clear
EXPLORING THE ANTECEDENTS OF RISKY CREDIT BEHAVIOR IN MSMES: THE IMPACT OF FINANCIAL LITERACY, SELF-FRAMING CONTROL, AND FINANCIAL STRESS Putri Purwaningtyas; Dijan Rahajuni; Ascaryan Rafinda; Christian Rotimi Barika
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 32 No 2 (2025): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jp.2025.32.2.17629

Abstract

The attractive development of Financial Technology triggers the potential risky credit behavior and it raises concerns over the potential for increased credit risk, especially for MSMEs. The financial literacy raise as the critical factor related to the financial decision, including credit decision. However, the interaction mechanism between financial literacy and risky credit behavior is inadequately comprehended. Based on the Prospect Theory posits the psychological effect can influence the decision making process. This study investigates the mediating effect of self-framing control to explain the mechanism and financial stress to explain the certain circumtance with the relation of risky credit behavior, using 129 respondents of MSMEs in Banyumas Region. The result indicate the financial literacy have negative impact to risky credit behavior and mediate by self-framing control to explain those mechanism. In addition, the high level of financial stress stimulate the higher risky credit behavior. This study contributes to financial literacy literature by identifying the interplay of self-framing control, financial literacy, and credit behavior.
Gacha Mechanisms and Digital Consumer Behavior: A Systematic Literature Review on the Drivers of Impulsive Buying Among Gamers Annisa Sri Budiman; Abror Abror; Zul Afdal
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 32 No 2 (2025): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jp.2025.32.2.21194

Abstract

This study aims to analyze the influence of monetization mechanisms in digital games—specifically gacha, loot boxes, and microtransactions—on the impulsive buying behavior of online gamers, taking into account the psychological dynamics involved. The method used is a systematic literature review (SLR) employing a bibliometric approach and following the PRISMA guidelines. Data were obtained from the ScienceDirect and Semantic Scholar databases, with an initial total of 148,869 articles, which were then screened to yield 10 relevant articles for analysis. The findings indicate that probability-based reward mechanisms, immersive gameplay experiences, and psychological factors such as fear of missing out (FOMO), impulsivity, and positive emotions play a significant role in driving impulsive purchases. Additionally, system designs such as probability concealment and selective feedback were found to reinforce cognitive distortions that increase players’ willingness to pay. This study also found that research on this topic is developing in a multidisciplinary manner, linking gamification, digital technology, and consumer behavior. The research’s contribution lies in a comprehensive synthesis of the relationship between gacha mechanisms and digital consumption behavior, while highlighting the importance of self-control in moderating such impulsive tendencies.

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