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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 461 Documents
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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.
Evaluating Technopark Service Quality Using The Carter Model And Importance-Performance Analysis (IPA) Telma Anis Safitri; Katon Muhammad; Zakiyyan Zain Alkaf
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 1 (2026): 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.2026.33.1.19090

Abstract

Technoparks play a pivotal role in fostering regional innovation; however, many in Indonesia face significant challenges, including underutilized facilities and inconsistent service quality, which constrain their overall effectiveness. This study aims to evaluate and enhance the service quality of Technoparks in Java—specifically in Solo, Bandung, and Pekalongan—by implementing the CARTER model, which assesses six dimensions: Compliance, Assurance, Reliability, Tangibles, Empathy, and Responsiveness. A quantitative approach was employed, integrating the Customer Satisfaction Index (CSI) and Importance-Performance Analysis (IPA), further enriched by spatial mapping. The findings reveal varying levels of visitor satisfaction across the locations. Pekalongan Technopark achieved the highest CSI score of 87.41% ("Excellent"), followed by Bandung Technopark at 83.77% ("Good") and Solo Technopark at 82.05% ("Good"). The IPA results highlight that the Empathy and Responsiveness dimensions require significant improvement, particularly at Solo Technopark. Consequently, this study recommends strategic interventions focused on service development tailored to visitor needs, the optimization of underutilized facilities, and the enhancement of human resource quality. These findings serve as a strategic reference for Technopark management to bolster competitiveness and contribute to the sustainable development of local innovation and economic ecosystems.
Silent Resistance in AI-Driven Marketing: A Qualitative Study of Perceived Manipulation Muhammad Hilmi Labibunnajah; Ninda Fatmawati; Abdul Ghofur
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 1 (2026): 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.2026.33.1.20101

Abstract

This study aims to explore how consumers perceive perceived manipulation in AI-driven marketing and how such perceptions lead to the emergence of silent resistance. This study employs a qualitative research approach to capture in-depth consumer perceptions and experiences in the context of AI-driven marketing. Data were collected through in-depth interviews with purposively selected informants and analysed using thematic analysis to identify patterns, categories, and emerging themes. The findings reveal that while AI-driven personalisation initially enhances consumer convenience, excessive intensity and accuracy of content exposure lead to discomfort and suspicion. Consumers begin to perceive marketing practices as manipulative when they feel their autonomy in decision-making is being subtly influenced. As a response, consumers engage in silent resistance behaviours such as ignoring content, reducing engagement, and gradually avoiding brands or platforms without expressing explicit complaints. This study contributes to the literature by highlighting the role of perceived manipulation as a psychological mechanism that links AI-driven marketing to implicit consumer resistance. Practically, it suggests that companies should balance personalisation with transparency and ethical considerations to avoid triggering negative consumer perceptions and disengagement. This research offers a novel perspective by uncovering silent resistance as an implicit and underexplored consumer response to perceived manipulation in AI-driven marketing through a qualitative approach.
Enhancing Customer Loyalty through Social Media Marketing and Brand Experience Reni Rupianti; Nur' Adilla; Mariza Kertaningtyas
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 1 (2026): 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.2026.33.1.20232

Abstract

This study aims to analyze the influence of social media marketing on customer loyalty by considering the mediating role of brand experience among consumers of modern coffee beverages, specifically Generation Z in Malang City. This study employs a quantitative approach with an explanatory design. Data were collected through an online questionnaire distributed to respondents who had purchased modern coffee products and followed the relevant brand’s social media accounts. The sampling technique used purposive sampling with specific criteria, and data analysis was conducted using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results indicate that social media marketing has a positive and significant effect on brand experience and customer loyalty. Furthermore, brand experience was also found to have a positive and significant effect on customer loyalty and acts as a mediating variable in the relationship between social media marketing and customer loyalty. These findings indicate that the success of social media marketing strategies depends not only on the intensity of promotions but also on a brand’s ability to create memorable experiences for consumers. Thus, this study concludes that the integration of social media marketing with a strong brand experience can effectively enhance customer loyalty in the modern coffee industry.
Determinants of Debt Financing Behavior in Indonesian Family Firms: The Moderating Role of Family Tribe’s Social Capital Riffa'I Al Hakim; Yuni Utami; Mohammad Arridho Nur Amin
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 1 (2026): 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.2026.33.1.20401

Abstract

This study aims to analyze the influence of Free Cash Flow (FCF), Operating Leverage (OL), and Market-to-Book Value (MBV) on debt financing behavior in 53 family firms listed on the Main Board of the Indonesia Stock Exchange for the 2021-2025 period. Additionally, this study examines the moderating role of Family Tribe’s Social Capital in these relationships. Using the Fixed Effects Model (FEM) panel data regression method via Stata 17 on 265 firm-year observations, the results indicate that FCF has a significant negative effect on debt financing behavior. Conversely, OL and MBV are found to have a significant positive impact on corporate financing decisions. Moderation analysis demonstrates that family tribal social capital significantly mitigates the influence of FCF and OL on debt policy, whereas no moderating effect was found in the relationship between MBV and debt policy. These findings confirm that sociological factors, specifically tribal identity, function as crucial informal governance instruments influencing strategic financial decisions in family firms within emerging markets.
Determinants of Corporate Social Responsibility Disclosure: The Moderating Role of Good Corporate Governance Nida Aufa Al 'Asya; Yuni Utami; Amirah Amirah
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 1 (2026): 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.2026.33.1.20990

Abstract

This study aims to analyze the impact of leverage, ability to earn profits, and ecological performance on corporate social responsibility disclosure (CSRD) with good corporate governance (GCG) as moderation variable. Research subjects include entities in the basic materials, energy, industrials, and consumers non cyclicals sectors listed on the lndonesia stock exchange or IDX for 2021–2025 periods. Research sample was determined using using the purposive sampling method and obtaining 24 entities with total of 120 panel data observation data. Analysis data was carried out using a random effect model or REM approach with robust standard error cluster estimation to overcome autocorrelation problems. Research outputs show that leverage then profitability have no significant influence on CSRD, while ecological performance has a positive and significant influence on the level of corporate social responsibility disclosure. Testing the impact of moderation suggests that GCGs proxied using institutional ownership can moderate the linkage of leverage to CSRD in a negative direction, thereby weakening the relationship. On the other hand, GCG has not been proven to moderate the relationship between profitability and environmental performance to CSRD. This finding suggests that ecological performance is a crucial element in driving increased transparency from disclosing corporate social responsibility while the effectiveness of GCG as mechanism is more visible in condition of companies facing leverage pressure.
A Systematic Review of Digital Financial Application Reuse Intentions Suci Alifah Rahmandani; Abror Abror; Zul Afdal
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 31 No 2 (2024): 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.2024.31.2.21192

Abstract

This Systematic Literature Review examines the development of research on technology adoption and continuance intention in the context of digital financial services by reviewing 48 articles obtained from the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) screening process, using the Theory-Context-Method (TCM) framework, citation analysis, and keyword mapping with VOSviewer. The findings indicate that the Technology Acceptance Model (TAM) and Expectation Confirmation Theory (ECT/ECM) are the most frequently applied theoretical foundations, followed by UTAUT/UTAUT2, the Information Systems (IS) Success Model, and the Theory of Consumption Values ​​(TCV). Geographically, previous studies are predominantly located in Asia, with research contexts focused on digital financial applications. To obtain research results, PLS-SEM has been widely used as an analytical technique in previous studies. In addition to interpreting the results using PRISMA, an analysis using VOSviewer was also conducted, identifying continuance intention, trust, technology adoption, TAM, mobile banking, perceived ease of use, behavioral intention, fintech, and digital payments as interrelated bases. This review explains that continuance intention is a post-adoption behavior shaped by technological, psychological, social, and contextual factors.
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.
Customer Trust In Marketplace Purchases: A Systematic Literature Review Anggi Saputra; Abror Abror; Zul Afdal
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 32 No 1 (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.2025.32.1.21197

Abstract

Trust is a crucial factor in online business because it facilitates the transaction process by making buyers willing to accept and not doubt the actions of online sellers. Therefore, this systematic literature review aims to comprehensively examine how consumer trust influences purchasing behavior on marketplaces. A literature review from databases ScienceDirect, focusing on peer-reviewed articles and empirical studies from 2020 to 2026 was conducted from Q1 and Q2 indexed journals. The PRISMA flow diagram guided the process to ensure that the research process includes structured data, from identification to the presentation of results and supported bibliometric analysis using VOSviewer. A defined search criteria after thorough analysis, only 15 were suitable for synthesis and reporting. The Mendeley referencing tool and Microsoft Excel were instrumental in facilitating the analysis. The findings from the literature review indicate that customer trust is a multidimensional construct at the core of digital market sustainability, linking technological innovation, ethical considerations, regulatory frameworks, and business strategies. This literature review also indicates that trust has strong associations with blockchain, transparency, privacy, risk, and sustainability, reflecting its role as both a psychological and structural factor in legitimizing online transactions and fostering long-term relationships with consumers. Furthermore, this literature highlights trust as a mediator in repurchase intent and consumer engagement. This study affirms trust as a strategic foundation for the success of online markets and calls for interdisciplinary research to strengthen consumer trust in increasingly modern digital marketing.
Exploring The Influence of Information Overload on Purchasing Avoidance With Consumer Confusion as a Mediator Larisa Pradisti; Mohamad Rifqy Roosdhani; Nurul Komaryatin
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 33 No 2 (2026): 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.2026.33.2.13506

Abstract

In the digital age, information overload occurs when individuals are overwhelmed by excessive and conflicting data, complicating decision-making. This overload leads to consumer confusion, making it hard to process available options and often resulting in purchasing avoidance. Studies show that consumer confusion mediates the relationship between information overload and purchasing avoidance, heightening anxiety and delaying decisions. While more information can sometimes help, it frequently causes confusion and fatigue, which ultimately hinders purchasing decisions. Our study used quantitative sampling with a purpose to collect and analyze data from 156 students of Jenderal Soedirman University, Purwokerto. After that, we used Structural Equation Modeling PLS data collected through questionnaires to test the model. Our findings show how effective consumer confusion can increase information overload and purchasing avoidance. Furthermore, business owners should focus on reducing consumer confusion to reduce the negative impact of information overload on purchasing decisions.

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