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Ketidakpastian Pengambilan Keputusan Keuangan dan Kegagalan Adopsi Teknologi pada UMKM dengan Keterbatasan Sumber Daya Hanif Rani Iswari; siti nur ainun
Bulletin of Management and Business Vol. 3 No. 1: Maret 2022
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v4i2.426

Abstract

Hilirisasi teknologi pada Usaha Mikro, Kecil, dan Menengah (UMKM) sering kali tidak berlanjut hingga tahap adopsi industri, meskipun teknologi yang ditawarkan telah menunjukkan kinerja teknis yang memadai. Penelitian ini bertujuan untuk mengkaji faktor non-teknis yang memengaruhi kegagalan adopsi teknologi pada UMKM dengan keterbatasan sumber daya. Menggunakan pendekatan kualitatif eksploratif, data dikumpulkan melalui wawancara mendalam dengan pelaku UMKM sektor pengolahan pangan berbasis sumber daya lokal. Hasil penelitian menunjukkan bahwa ketidakpastian dalam pengambilan keputusan keuangan, persepsi risiko finansial, serta keterbatasan kemampuan pelaku usaha dalam menilai kelayakan ekonomi inovasi merupakan faktor utama yang menghambat adopsi teknologi. Teknologi yang unggul secara teknis berpotensi tidak diadopsi apabila nilai tambah, struktur biaya, dan implikasi finansialnya tidak disajikan dalam bentuk yang mudah dipahami oleh pelaku UMKM. Temuan ini menegaskan pentingnya integrasi evaluasi kelayakan ekonomi dan kerangka pendukung pengambilan keputusan bisnis dalam perancangan program hilirisasi teknologi agar selaras dengan karakteristik dan kapasitas UMKM.
The Role of Economic Feasibility in Advancing Technology Adoption among UMKM Hanif Rani Iswari; Siti Nur Ainun
Bulletin of Management and Business Vol. 4 No. 2 (2023): October 2023
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v4i2.453

Abstract

Technology hilirization in micro, small, and medium enterprises (UMKM) often encounters barriers not primarily rooted in technical limitations, but in economic uncertainty and decision-making constraints. Many technologies with proven technical performance fail to be adopted due to unclear value propositions, ambiguous cost structures, and limited financial comprehension among UMKM actors. This study aims to examine the role of economic feasibility as a critical bridge between technical readiness and technology adoption in resource-constrained UMKM contexts. Using a qualitative explanatory approach combined with techno-economic analysis, this study investigates how feasibility indicators such as production cost, break-even point, investment recovery, and perceived financial risk influence adoption decisions. Empirical insights are drawn from UMKM cases involved in food and agro-processing technology hilirization. The findings reveal that economic feasibility does not merely function as a financial evaluation tool, but also as a cognitive framing mechanism that shapes risk perception, confidence, and managerial commitment toward innovation adoption. Technologies accompanied by clear, transparent, and context-relevant feasibility information demonstrate significantly higher acceptance and readiness for adoption. This study contributes to the literature by positioning economic feasibility as an adoption readiness instrument rather than a post-implementation assessment. Practically, the results suggest that successful hilirization strategies for UMKM should integrate economic feasibility analysis alongside technical validation to ensure sustainable and scalable technology adoption.