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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 455 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.

Page 46 of 46 | Total Record : 455

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