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Zulkarnain, Nizar
Sekolah Tinggi Ilmu Ekonomi Ganesha
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Peningkatan Kapasitas Manajemen Risiko Keuangan UMKM Berbasis Wisata melalui Penyuluhan dan Pendampingan di Pantai Carita Saefullah, Aep; Fadli, Ahmad; Pardian, Ramadani; Arda, Devid Putra; Zulkarnain, Nizar; Abas, Farhat; Fahri, Fahri; Siregar, Fuad Gagarin; Herawati, Tuti; Aisha, Neila; Tahang, Moh.; Rahmi, Cinta; Rifia, Tetty Nur Intan; Muhaimin, Abdul; Syaifullah, Aef
Journal of Community Research & Engagement Vol. 3 No. 1 (2026): July 2026
Publisher : LPPM STIE Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/b8nat239

Abstract

Tourism-based micro, small, and medium enterprises (MSMEs) play a crucial role in supporting local economic activities, particularly in coastal tourism areas such as Pantai Carita. However, their high dependence on tourist arrivals exposes them to significant financial risks, including income instability, rising operational costs, and cash flow constraints. This community service activity aims to strengthen the financial risk management capacity of MSME actors through practical and context-based interventions. The program was conducted on 15–17 December 2025, involving 50 tourism MSME actors from culinary, rental, and service sectors. A participatory approach was applied through counseling and direct mentoring. Counseling sessions covered financial risk concepts and simple bookkeeping, while mentoring focused on the practical implementation of daily cash flow recording and risk identification. The results show significant quantitative improvements: understanding of financial risk increased from 22% to 78%, daily cash flow recording from 18% to 72%, and emergency fund allocation from 10% to 60%. In addition, the ability to identify business risks rose from 25% to 80%, while financial-based decision making improved from 28% to 73%. These results indicate that simple and practical interventions effectively enhance financial awareness, managerial capability, and adaptive behavior of MSMEs in managing business risks
A Contextual Financial Risk Management Model for Tourism-Based MSMEs: Evidence from Carita Beach Saefullah, Aep; Rifia, Tetty Nur Intan; Nurdin, Nurdin; Zulkarnain, Nizar; Suharjana, I Dewa Ketut
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2324

Abstract

Tourism-based micro, small, and medium enterprises (MSMEs) play a crucial role in supporting local economic activities; however, they are highly exposed to financial risks due to fluctuations in tourist arrivals, weather uncertainty, and the seasonal nature of tourism destinations. This study aims to identify the types of financial risks faced by tourism-based MSMEs, examine their impact on business sustainability, and develop a practical financial risk management model suited to small-scale enterprises. A qualitative descriptive approach was employed, with data collected through in-depth interviews, direct observations, and field studies conducted during an edu-tourism program in the Carita Beach area from 1–17 December 2025. The findings reveal that the main financial risks include revenue risk, operational cost risk, and cash flow and liquidity risk. Among these, revenue instability and cash flow constraints are the most significant factors affecting business continuity, particularly during periods of declining tourist activity. MSME actors tend to manage these risks through informal, experience-based strategies such as adjusting production levels, reducing operational expenses, and relying on short-term financial coping mechanisms. This study contributes by proposing a simplified and context-based financial risk management model that aligns with the operational realities of tourism MSMEs. The model emphasizes practical risk identification, prioritization, and adaptive mitigation strategies that can be implemented without requiring complex financial systems. The findings provide implications for policymakers and practitioners in designing more inclusive and applicable financial support and risk management frameworks for tourism-based MSMEs.
Co-Authors Abas, Farhat Abdul Kohar Abdul Muhaimin, Abdul Aep Saefullah Agung Budi Cahyono Ahmad Fadli Ahmad Hambali, Ahmad Aisha , Neila Arda, Devid Putra Cinta Rahmi Dena Vera Silvana Elvira Sitna Hajar Fachry Abda El Rahman Fadli , Ahmad Fahri Fahri Febriana, Ananda Sari Fisy Amalia Fuad Gagarin Siregar Halim Tjiwidjaja Hendra Candra Husnul Khatimah Jayaun, Jayaun Joned C. Saksana Moh. Tahang Neila Aisha Noor , M. Arief Nurdin Nurdin Nurhayati Nurhayati Paokuma, Hasbibi Ramadani Pardian Ramayanti , Putri Noor Rasmawati AR Rombouw, Sahrul RR. Ella Evrita Hestiandari Saputra, Riyawan Siregar, Fuad Sitohang S, Rony Marthin Suharjana, I Dewa Ketut Sukardi Sukardi Syaifullah, Aef Tafsiruddin, M. Tetty Nur Intan Rifia Tjiwijdjaja, Halim Tuti Herawati Ujang Kusnaedi WICAKSONO, ADI Yandi Asmana