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Ketahanan UMKM di Wilayah Rawan Banjir: Analisis Strategi Berbasis PESTEL di Kabupaten Kampar Rahmat, Hayatul Khairul; Akbar, Rahmad; Nurkholis, Nurkholis; Yetti, Dzulhijjah; Akbar, Muhammad Firjatullah Nur; Masrohatin, Siti
Trends in Applied Sciences, Social Science, and Education Vol. 4 No. 1 (2026)
Publisher : PT Hakhara Akademia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71383/tase.v4i1.113

Abstract

This study aims to analyze the resilience of Micro, Small, and Medium Enterprises (MSMEs) in flood-prone areas in Kampar Regency using the PESTEL approach (Political, Economic, Social, Technological, Environmental, Legal). This research employs a qualitative approach with a case study design, utilizing data collection techniques such as in-depth interviews, field observations, and documentation involving MSME actors and relevant stakeholders. Data analysis was conducted thematically and mapped into the PESTEL framework to identify external factors influencing business resilience. The findings reveal that economic and environmental factors are the primary determinants affecting MSME vulnerability, particularly in terms of cash flow disruptions, asset damage, and recurring flood risks. Meanwhile, social and technological factors act as resilience enhancers through community networks and the adoption of digitalization. On the other hand, political and legal factors have not been optimal in supporting MSME resilience due to the lack of integrated policies and low levels of business legality. Based on these findings, this study formulates three main strategies to strengthen MSME resilience: adaptive, protective, and collaborative strategies. Adaptive strategies focus on business flexibility, protective strategies emphasize risk mitigation, and collaborative strategies highlight stakeholder synergy. This study contributes to the development of disaster-based MSME resilience studies and serves as a foundation for formulating disaster-resilient MSME policies at the regional level.
Upaya Peningkatan Literasi Keuangan pada Generasi Z Melalui Edukasi Finansial di MAN 2 Kampar Nurbit, Nurbit; Yetti, Dzulhijjah; Sispurwanto, Yedi; Rahmat, Hayatul Khairul; Akbar, Rahmad; Yelmi, Harmi; Nurkholis, Nurkholis
Indonesian Journal of Emerging Trends in Community Empowerment Vol. 4 No. 1 (2026): Indonesian Journal of Emerging Trends in Community Empowerment
Publisher : PT Hakhara Akademia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71383/ijetce.v4i1.111

Abstract

Financial literacy in Indonesia, particularly among Generation Z, remains low, with many students lacking an understanding of basic concepts such as budgeting, saving, investing, and managing debt. At MAN 2 Kampar, this issue is exacerbated by limited access to relevant financial information and a lack of practical skills in financial management. This condition causes students to struggle in making sound financial decisions, which may negatively impact their future. To address this problem, the proposed solution is to implement a comprehensive financial education program, including budgeting simulations, investment games, and real-life case studies. This program aims to provide hands-on experience for students, strengthen their understanding of financial management, and improve financial literacy so they can better face future financial challenges.