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Analisis Manajemen Risiko pada UMKM Melina Helm Kurniawan, Aris; Sastradireja, Dhafin Al-Rasyid; Priatna , Ghulam Yoniar; Nurhakim , Reihan Ahmad; Alfiana, Alfiana
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4n7kr463

Abstract

This study aims to analyze the implementation of risk management in UMKM Melina Helm by applying the SWOT analysis approach to identify, assess, and control risks that may affect business sustainability. As an SNI-certified helmet manufacturer, Melina Helm faces various risks, including market, operational, human resource, financial, security, and legal risks. This research uses a qualitative method with a case study approach supported by observations and interviews. The results show that market risks, particularly intense price competition and declining consumer purchasing power, are classified as high risks due to their direct impact on sales performance. Operational risks such as supply delays and inconsistent product quality also fall into the high-risk category because they disrupt production efficiency. Meanwhile, risks related to human resources, security, and finance are categorized as medium to high and require structured risk control. The SWOT analysis reveals key strengths, especially product quality and innovative design, while major threats originate from tight competition and counterfeit products. This study concludes that integrating risk management with SWOT analysis provides an effective strategy to strengthen risk mitigation and enhance business sustainability
Analisis Risiko Berbasis ISO 31000 Pada Usaha Laundry: Studi Kasus Garsela Kartini, Tini; Amelia , Yesi; Ghassani, Amira Muthi; Mahmuddin, Anggi; Alfiana, Alfiana
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/e6rafj02

Abstract

This study analyzes the implementation of ISO 31000–based risk management at Garsela Laundry, a micro, small, and medium enterprise (MSME) operating in the laundry service sector. The research aims to identify, analyze, evaluate, and formulate appropriate risk treatment strategies to support business sustainability and service quality. A qualitative case study approach was employed using in-depth interviews with the business owner, field observations, and document analysis. The risk identification process revealed 26 risks classified into six categories: operational, human resources, marketing, market, financial, and legal risks. Risk analysis using a 5×5 likelihood and impact matrix indicated several high-level risks, including clothing damage or stains, intense business competition, unstable income, increasing operational costs, and customer complaints. Risk treatment focused on high and medium risks through the development of standard operating procedures, improvement of employee discipline and skills, service quality enhancement, cost efficiency, and simple marketing strategies. The findings indicate that systematic implementation of ISO 31000 can minimize risk impacts, improve customer satisfaction, and strengthen the sustainability of laundry MSMEs.
Penerapan Manajemen Risiko Berbasis ISO pada UMKM Jasa Penjahitan Pakaian: Studi Kasus Umi Tailor Amelia, Yesi; Kartini, Tini; Mahmudin, Anggi; Alfiana, Alfiana
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7d0hmn19

Abstract

This study aims to analyze the implementation of risk management based on ISO 31000:2018 in Umi Tailor, a micro, small, and medium enterprise (MSME) operating in the clothing tailoring service sector, to enhance business sustainability and service quality. This research employs a qualitative descriptive approach with a case study method, using in-depth interviews, field observations, and documentation studies as data collection techniques. The risk management process is conducted systematically through risk identification, analysis, evaluation, and risk treatment in accordance with the ISO 31000 framework. The results indicate that Umi Tailor faces various risks originating from production, marketing, financial, human resources, and legal aspects. High and very high risk levels are mainly associated with unstable cash flow, dependence on a single skilled tailor, rising raw material prices, work fatigue, and limited production capacity. The application of ISO 31000 enables the enterprise to prioritize risks and develop practical mitigation strategies suited to MSME capabilities, such as establishing standard operating procedures, strengthening digital financial records, regulating working hours, and optimizing digital marketing. This study is expected to serve as a practical reference for tailoring service MSMEs in implementing effective and scalable risk management practices.
Pengaruh NPM, DER terhadap ROE pada Perusahaan Properti dan Real Estate yang terdaftar di BEI (2021-2024) Akbar, Djalalludin; Hayandani, Mutiara; Novianti, Anggun Fitria; Nuraeni, Fadila Siti; Alfiana, Alfiana
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a0b7qs51

Abstract

This study aims to examine the impact of net profit margin (NPM) and debt-to-equity ratio (DER) on return on equity (ROE) in property companies listed on the Indonesia Stock Exchange (IDX). Previous studies have shown that although NPM has a significant positive effect on ROE, the effect of DER depends on the company's leverage level. Simultaneously, it has been proven that both NPM and DER have a significant effect on ROE. As a result, policies that encourage profit efficiency and a balanced capital structure are likely to be crucial factors in increasing equity profits for companies in the property sector. However, the researchers' findings state that DER has no effect on ROE, while NPM affects ROE in property and real estate companies listed on the Indonesia Stock Exchange.
Pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) Terhadap Pertumbuhan Laba pada Bank Konvensional di Indonesia Periode 2019–2023 Sundari, Annisa Pratiwi; Alfiana, Alfiana; Kodariah, Siti
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6k7rh955

Abstract

This study examines the effect of the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) on profit growth in conventional banks in Indonesia during the 2019–2023 period. The data were processed using EViews 12 through panel data regression, which involved data preparation, descriptive statistical testing, normality testing, classical assumption testing, and model selection procedures using the Chow, Hausman, and Lagrange Multiplier (LM) tests. The results show that the Random Effect Model (REM) is the most appropriate panel regression model for this research.The findings indicate that CAR has a positive and significant effect on profit growth, while LDR has a positive but insignificant effect. Simultaneously, both variables significantly influence profit growth with an  R² value of 93.03%, demonstrating strong explanatory power. These results highlight that capital strength plays a crucial role in supporting bank performance, whereas credit distribution effectiveness—represented by LDR—does not significantly drive profit growth during the study period.
Co-Authors - Afrizal Achmad Fathoni, Achmad Achmad Yusuf Budianto Afifah, Dian Annisah Agustien, Salsha Dwi Agustina, Tria Raisya Akbar, Djalalludin Akhmad Farid Akhyar, Chairil Al-Amin, Al-Amin Aldy Febryawan Alfarizi, Muhammad Alfin Aloysius Ray Julian Kusdiantoro Amalia, Rahma Khairunnisa Amalia, Sinta Ambiya, Muhammad Shofan Amelia , Yesi Amelia, Sinta Amelia, Yesi Amin, Al- Amri, Andi Anantadjaya, Samuel PD Anbiya, Muhammad Shoffan Andiena Nindya Putri Anggraeni, Nuri Triani Anggraeni, Sintia Aprih Santoso Ardenny, Ardenny Ari Purwanti Aris Kurniawan Arrachman, Hajar Chair Asep Rizal, Asep Rizal Astri Astri, Astri Astutik, Wahyuni Sri Asy-syifa, Ghina Aulia Aulia, Ayesa Sofwa Awaludin, Dipa Teruna Azahra, Sarah Mutia Azis, Fajriani Azizah, Nabila Zulfa Azizi, Muhammad Bakri, Asri Ady BillY Dewantara Cakranegara, Pandu Adi Chatarina Umbul Wahyuni Choirul Anam AM Diponegoro Cicik Wijayanti, Tri Dede Hertina Dewi, A Ratna Sari Dewi, Nira Destiani Dhafin Al-Rasyid, Dhafin Al-Rasyid Dharmayanthi Pri Handini Dharmayanti Pri Handini Dhea Landy Venida Zulfa Dian Widyantini Dimas Saifurrohman Donny Dharmawan Durya, Ngurah Pandji Mertha Agung Dwi Agustien, Salsha edy susanto Eka, Andi Primafira Bumandava Elista, Amanda Emma Budi Sulistiarini Fadillah, Muhammad Rizki Fajar Fajar Farah Juniati Meutianingrum Faturrahman, Muhammad Hikam Fauzan, Muhammad Irfan Febrianti, Nisa Ferdian, Adam Devan Fikriyyah, Syahla Nur Fitriningsih Amalo Gatot Soebiyakto Gatot Soebiyakto Gautama K, M Ramadhika Ghassani, Amira Muthi Gunarianto Gunarianto Gustian, Dede Hakim, Mohamad Zulman Hamdah, Hesti Hisani Latifah Hamida, Ika Fitria Nur Hamzah, A. Hadian Pratama Hanifah, Luluk Hanum, Filia Hardian, Salman Hariandy Hasbi Hasbi, Moh Ramdani Hayandani, Mutiara Helvina, Annisa Hendayani, Nenden Hendrawan, Henky Heri setiawan Hermiyetti, Hermiyetti - Humaira, Maliha Rizka Husain, Muhammad Saddam Ihza Husen, Gayatri Nahdiyah Irdawati Irdawati Irfan Yulyansah Irwan Moridu Irwanda, Chika Putri Istigfari, Nafsa Qolbina Istighfari, Nafsa Qolbina Iwan Harsono Jemi Pabisangan Tahirs Jenny Nancy Kaligis Jiteng Andreas Judijanto, Loso Judijonto, Loso Junjunan, Almaira Sarah Kamil, Afrian Insan Kamil, Indriyati Kartika, Erawati Kartini, Tini Kartiwa, Mohammad Ramadhika Gautama Kemalasari, Andi Anggi Klemens Mere Klemens Mere Kodariah, Siti Koerniawati, Dwi Kristiana, Ida Kusuma, Ema Laendatu Paembonan Lajai, Sri Yulandasari Lilis Dewi Ndaru Mulyo Arum Nirwana LISTIANA SRI MULATSIH Loso Judijanto Lumentah, Natalia Reyne Mahmuddin, Anggi Mahmudin, Anggi Mandam, Sri Yulandasari Lajai Mantoro, Ari Assrishan Sosh Maria Desika Bulu Masan Martalia Arya Nurfadila Mas'ud, Muchlis H Masdar, Fiqi Ardi Abdurahman Masdiana Masdiana Maulana, Asep Rizal Meijaya, Panji Setia Mellien Pakerti Winengku Meylani, Nilam Mizan, Haerul Mubarok, Muhamad Luthfi Mubarrok, Muhammad Luthfi Muchlis H Mas'ud Muchlis H. Mas'ud Muchlis Mas’ud Muhamad Stiadi Muhammad Zaki Mulastih, Listiana Sri Muliza Muliza Muzaffirah, Adzirah Naim, Sidrotun Nasharuddin Mas Nasharuddin Mas Nasharudin, Nasharudin Nawangwulan, Irma M Nelly Astuti Ningsih , Titiek Surya Novianti, Anggun Fitria Nugraha , Nayla Rubayyina Nugraha, Nayla Rubayyina Nugroho, Anton Priyo NUR FADHILAH, ANIS Nur Fikriyyah, Syahla Nur Laily Safitri Nuraeni, Fadila Siti Nuraisyiah, Nuraisyiah Nurdjanah Hamid Nurhakim , Reihan Ahmad Nurhakim, Reihan Ahmad Nurhasanah Nurhasanah Nurida Finahari Nurlia Nurlia Nurliawan, Anggy Elfa Nurnaningsih Nurnaningsih Nurohimah, Susi Nurriqli, Arifia Nur’aini , Intan Nur’aini, Intan Nusair, Ahmad Ershaid Oki Akbar Mahendra Oktaviana , Nurul Laily Oktaviana, Nurul Laily Orie Rahma, Erythina PA Andiena Nindya Putri Pamungkas, Eko Wiji Perwito, Perwito Piartrini, Putu Saroyini Pratiwi, Lanina Priatna , Elky Rimba Priatna , Ghulam Yoniar Priatna, Elky Rimba Priyo Nugroho, Anton Pujiyanti Pujiyanti Purnamasari, Eva Putri Irwanda, Chika Putri, Sanita Rachmania, Dewi Rahma Wahdiniwaty Rahman, Fatimah Rahmawati, Nopiyanti Ramadhan Wahfianka, Ega Ramon Arthur Ferry Tumiwa Restu Widyo Sasongko Rihfenti Ernayani Ristati, Ristati Rita Zulbetti Riyanti, Anti Riyanto, Ayu Putri Rizal Maulana, Rizal Rizqi Aji Putri, Masykurotur Rosdian, Anisa Roshy Rufaida Sofiatus Wardani sabil sabil, sabil Safari, Apay Sagita Nurul Izza Samalua Waoma Samiun, Aspiati A. Samosir, Hendrik ES Saputra, Irwan Saripujiana, Dian Sastradireja, Dhafin Al-Rasyid Sesario, Revi Setyawan, Antonius Ary Siddiqa, Heidi Siffa, Alma Aulia Siska Amelia, Siska Sofwa, Ayesa Aulia Sono, Mohammad Gifari Sri Mulatsih, Listiana Sugeng Karyadi Suhartini Salingkat SUJAI, MUHAMMAD Sumini Sumini, Sumini Sundari, Annisa Pratiwi Suprapto Suprapto Suroso, Adi SURVIVAL - - Suwandi Ng Syamsuri Syamsuri T. Maulana, T. Taime, Habel Tasrim, Tasrim Toni Dwi Putra Tri Yuniningsih Upik Djaniar Usman, Said Utami, Eva Yuniarti Utami, Refi Oktafia Utiarahman, Nurnaningsih Wahju Wulandari Wardhana2, Mario Maulana Wartono Wartono Wulandari, Ai Malita Yahya, Sitti Rachmawati Yaperta, Sanita Putri Yaperta, Shanita Putri Yasyfa, Aghnia Yatima El Isma, Yatima Yoga Pangestu, Dewo Nugroho Yohan Yohan Yoniar, Ghulam Priyatna Yulistina Yulistina Yundari, Yundari Yunus Sading Z, Nasrul Zahra, Maisya Hayina Zahra, Maisya Hayina Zahra Zakaria, Faiz Zaki, Muhamad Zuhroh, Siti Zulaecha, Hesty Erviani