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Hilda Yunita Wono
Universitas Ciputra
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Risk Management Analysis in the Waluyo Joyo Dragon Fruit Collector Business in Banyuwangi Prakusya, Wildan Bima; Wono, Hilda Yunita
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9639

Abstract

This study analyzes internal risk management at Waluyo Joyo, a dragon fruit aggregation MSME in Banyuwangi, Indonesia. MSMEs are crucial to the national economy, yet they often lack formal risk management systems. Waluyo Joyo, despite having stable cash flow, faces sustainability threats due to its highly informal, owner-centric operational model, absence of Standard Operating Procedures (SOPs), and rudimentary financial recording. The research problem is how to prioritize the main risks to ensure the business's sustainability. The objective is to identify and prioritize the key internal risks managerial, operational, and financial using a qualitative case study approach. The method involved in-depth interviews with the business owner and employees, coupled with direct observation. Data were analyzed thematically and assessed based on likelihood and impact to create a risk prioritization matrix. The findings reveal that the most critical risks are managerial and operational. The lack of a formal management structure and written SOPs leads to inconsistent fruit sorting quality, communication gaps, and high dependence on volatile freelance labor. These issues directly cause financial inaccuracies and supplier dissatisfaction. The primary implication is that mitigating the foundational managerial risks is essential for improving operational stability and financial transparency. This study provides a structured framework for the owner to prioritize and address risks, offering a practical model for similar agribusiness MSMEs to enhance their resilience and long-term sustainability.
Co-Authors AA Sudharmawan, AA Agung Prasetyo Albertus Prihayudi Purnawijaya Alyssa Saqina Nabila Parmadi Andi Budi Sulistijanto Anggajaya, Robby Juanphilibert Ariani, Nafiah Asriani Alimuddin Azalea Abril Hermanto Bela Ayu Safitri Brennadiva, Allodia Astried Bunga Feby Nabilla Burhan Bungin Calysta, Keisya Charly Hongdiyanto Christina Whidya Utami Dheandra Mutiara Kayana Efendi, Usman Ellen Lawrencia Yahya Emre Omar Ergita Jeny Ardane Shwari Ergita Jeny Ardaneshwari Eric Harianto Felita Purnomo Felita Purnomo Fika Fatimah Fikri Alvhirino Fitrani Amin Fitriani Fitriani Frederikus Fios Gabriela Laras Dewi Swastika Gabriela Swastika Goenawan, Anastashya Gunawan, Fayola Feivel Gunawan, Gabrielle Chleonadya Hadassah Elisha Karsten Hadjar Chanissa Nur Malika Hadjar Chanissa Nur Malika Hari Minantyo Henni Gusfa HERMAWAN, Jessica Nathalia I Dewa Gde Satrya Widyaduta Imanuel Deny Krisna Aji Indri Murniawaty, Indri Irmawati Oktavianingtyas Ismojo Herdono Jayawarsa, A.A. Ketut Jefferson Ronaldo Jessica Nathalia Hermawan Jessica Nathalia Hermawan Justin Niaga Siman Juntak Kaihatu, Thomas S Karina Enny Agustina Karsten, Hadassah Elisha KASHOGIE, Natanael Axelino Antari Kirana Ratu Sekar Kedaton Kuncoro Dewi Rahmawati Lexi Pranata Budidharmanto Louisa Christine Hartanto Lucky Cahyana Subadi M. Masad Masrur Masad Masrur MESSAKH, Ricky Oktaf Michael Ivan Reinald Michael Ivan Reinald Michelle Angela Michelle Baby Natalie Monika Teguh Muh. Rifqy Hasbullah Naomi Aryandini Subagio Nicodemus Koli Nirwan, Raslika Sharfina Novaldo, Novldo Nyoman Puspa Asri Oktavianingtyas, irmawati Pandy, Shakira Fayola Patricia Adeline Valerie Soema Prakusya, Wildan Bima Putri, Nabila Zulfiniar R. Ayu Erni Jusnita Reynaldo Raffael Ria Agustania Kartikasari RIWONG, Kezia Angelique Ronald Samuel Bio Amos Mbaroputera Ronda, Mirza Rustono - Santoso, Theodore Jason Silvia Arviana Siska Armawati Sufa Stacey, Nicholle Stefani Natania Setiyo Sumantri Stepanus, Kelvin Sunarto Sunarto Suniati, Fransisca Supriaddin, Nofal Susan Jaya Witama Tanurahardja, Devina Angela Theodore Jason Santoso TJANDRA, Anthony TJENDRA, Johan Wijaya Udi Rusadi UTOMO, Kevin Viadi, Crista Vijayanti, Putu Rheina WIDJAYA, Christabella Angelina Witama, Susan Wongso Julian Justin Yavrina Syafarani Yavrina Syafarani Yudiana Indriastuti Yusuf Arjuna Wibawa Zinggara hidayat