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Analisis Manajemen Risiko pada UMKM di Kabupaten Bandung Studi Kasus: AMEL COLLECTION Reihan Ahmad Nurhakim; Dhafin Al-Rasyid Dhafin Al-Rasyid; Elky Rimba Priatna; Aris Kurniawan; 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: 10.63822/3df3hc90

Abstract

This study looks at how small and medium businesses handle risks, using the example of AMEL COLLECTION in Bandung Regency. The research uses a descriptive qualitative method to find the main risks that could stop the business from running smoothly. These risks include problems with the market, marketing, operations, finances, and the workforce. Most of these risks are considered high, and they come from things like changes in customer demand during certain seasons, not having enough different products, poor use of digital marketing, not keeping good financial records, and not having enough workers. Using a risk matrix, the study shows that these issues need to be addressed right away. Suggestions to fix these problems include better online promotion, better control of inventory and sales, more organized financial reports, and hiring more trained employees. Managing risks well is important for making the business more stable and helping it grow in a sustainable way.  
Analisis Manajemen Risiko pada UMKM DuaTiloe Barbershop Ghulam Priyatna Yoniar; Reihan Ahmad Nurhakim; Aris Kurniawan; Elky Rimba Priatna; 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/cm1e7610

Abstract

This study aims to analyze the implementation of risk management at the micro, small, and medium enterprise (MSME) DuaTiloe Barbershop as an effort to maintain business continuity and competitiveness within the barbershop service industry. The research employed a descriptive qualitative method by collecting data through interviews and observations with the owner and employees. The analysis was conducted using the ISO 31000 framework and SWOT analysis to identify internal and external factors influencing business risks. The results show that the main risks faced include market, operational, and human resource (HR) risks. DuaTiloe Barbershop manages these risks through service innovation, cost-efficiency strategies, regular training for barbers, and an incentive system to maintain employee loyalty. The implementation of preventive and adaptive measures has proven to enhance operational stability and strengthen the business image. Therefore, effective risk management serves as a key factor in supporting the sustainability and growth of MSMEs in the service sector.
Analisis Manajemen Risiko pada UMKM Bengkel Motor Muhammad Alfin Alfarizi; Mario Maulana Wardhana2; Nisa Febrianti; Muhammad Shoffan Anbiya; 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: 10.63822/8az7z537

Abstract

Micro, Small, and Medium Enterprises (MSMEs), such as motorcycle repair shops, face various challenges that threaten their business continuity. This study analyzes risk management at the Mang Wahyu Motorcycle Workshop MSME in Bandung City. Using a descriptive qualitative approach through a case study, data was collected via in-depth interviews and observation. The results identify a number of critical risks categorized into four main aspects: (1) Market Risk, including declining demand for conventional motorcycle services and price competition from digital competitors; (2) Operational Risk, in the form of repair delays due to obsolete equipment and dependence on a single supplier; (3) Human Resource (HR) Risk, covering internal conflicts and limitations in technical competence; and (4) Financial Risk, namely price fluctuations for spare parts and cash flow disruptions. Further analysis using a risk matrix shows that most risks have a high impact level and require immediate treatment. As an implication, this study recommends a set of mitigation strategies, such as service diversification towards electric vehicles, improvement of operational processes, enhancing HR capacity through training, and strengthening financial management. The implementation of these recommendations is expected to increase business resilience and support the sustainability of motorcycle workshop MSMEs amidst a competitive market dynamic.
Pengaruh Current Ratio (CR) Dan Debt To Equity Ratio (DER) Terhadap Nilai Perusahaan (PBV) Pada Perusahaan Sektor Transportation And Logistic Yang Terdaftar Di BEI Periode 2020-2024 Sinta Amelia; Pujiyanti Pujiyanti; 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/enz7gn06

Abstract

Tujuan dari adanya penelitian ini adalah untuk melihat dampak Current Ratio (CR) dan Debt to Equity Ratio (DER) terhadap nilai perusahaan, yang dinilai menggunakan Price to Book Value (PBV), pada perusahaan di sektor transportasi dan logistik yang tercatat di BEI selama periode 2020-2024. Metode kuantitatif yang diterapkan adalah data sekunder yaitu laporan keuangan tahunan perusahaan terkait, yang selanjutnya dianalisis melalui regresi data panel dengan menggunakan model Common Effect Model (CEM), Fixed Effect Model (FEM), dan Random Effect Model (REM). Uji Chow dan Hausman dilakukan untuk menentukan model terbaik, yang akhirnya menunjukkan bahwa model FEM yang paling sesuai. Temuan parsial mengungkapkan bahwa CR tidak memberi pengaruh signifikan terhadap nilai perusahaan, sementara DER memberi pengaruh positif yang signifikan. Secara bersamaan, CR dan DER mempengaruhi nilai perusahaan secara signifikan. Kesimpulan penelitian ini adalah bahwa struktur modal lebih dominan dalam meningkatkan nilai perusahaan dibandingkan likuiditas di sektor transportasi dan logistik selama periode studi.  
Analisis Manajemen Risiko pada UMKM “Huma Laundry” Garut Elky Rimba Priatna; Ghulam Priyatna Yoniar; Dhafin Al-Rasyid Sastradireja; Reihan Ahmad Nurhakim; 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: 10.63822/05r5f897

Abstract

This study aims to identify and analyze the risks faced by the micro-enterprise Huma Laundry in Tarogong Kaler, Garut, as well as to determine appropriate mitigation strategies to maintain operational stability. The research employed a descriptive qualitative method, with data collected through direct interviews with the owner and observations of the service process. The analysis was conducted by mapping risks based on their likelihood and impact, supported by a SWOT analysis to understand the strategic position of the business. The findings indicate that the main risks encountered by Huma Laundry include machine breakdowns, washing errors, fluctuating income, and delayed payments from regular customers. The SWOT analysis reveals that the business holds strengths such as consistent service quality and a stable customer base, while weaknesses arise from limited digital promotion and simple financial management. Opportunities come from the increasing demand for laundry services, whereas threats include competition and rising operational costs. Recommended mitigation strategies comprise routine machine maintenance, employee training, service quality improvement, digital marketing optimization, and the adoption of non-cash payment systems. Overall, this study highlights the importance of systematic risk management to support the sustainability and competitiveness of micro-enterprises.
Analisis Manajemen Risiko pada UMKM Melina Helm Aris Kurniawan; Dhafin Al-Rasyid Sastradireja; Ghulam Yoniar Priatna; Reihan Ahmad Nurhakim; 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 Tini Kartini; Yesi Amelia; Amira Muthi Ghassani; Anggi Mahmuddin; 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 Yesi Amelia; Tini Kartini; Anggi Mahmudin; 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) Djalalludin Akbar; Mutiara Hayandani; Anggun Fitria Novianti; Fadila Siti Nuraeni; 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.
Analisis Pengaruh Net Profit Margin (NPM) dan Total Assets Turnover (TATO) Terhadap Return on Assets (ROA) pada Perusahaan Industri Logam dan Mineral yang Terdaftar di BEI Pina Aulia Maharani; Wahidah Nazmi Lailia; Mila Salbiyah; 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: 10.63822/0p7mg445

Abstract

Financial performance reflects a company's ability to manage its resources efficiently. One commonly used measure of financial performance is Return on Assets (ROA), which indicates a company's ability to generate profits from its total assets. Fundamental factors that can affect ROA include Net Profit Margin (NPM), which reflects a company's ability to generate net profit from sales, and Total Asset Turnover (TATO), which indicates a company's effectiveness in utilizing assets to generate revenue. This study aims to analyze the effect of NPM and TATO on Return on Assets (ROA) as a proxy for financial performance in Industry Metals and Minerals companies listed on the Indonesia Stock Exchange. The benefits of this study are expected to provide input for company management as well as serving as a reference for investors before making investment decisions. The research method uses a quantitative approach with panel data regression analysis of the company's financial statements during the research period. The results of this study are expected to strengthen empirical evidence regarding the effect of NPM and TATO on ROA as indicators of company financial performance.
Co-Authors A Ratna Sari Dewi Abdul Basir Abdul Munim Al Basmeleh Achmad Abdul Azis Adam Devan Ferdian Adi Suroso Adindah Novihartina Jafar Adiningrat, Andi Arifwangsa Adzirah Muzaffirah Afrian Insan Kamil Aghnia Yasyfa Ai Malita Wulandari Al-Amin Ali Akbar Alma Aulia Siffa Almaira Sarah Junjunan Amira Muthi Ghassani Amiruddin Amiruddin Andi Anggi Kemalasari Andi Anggi Kemalasari Andi Primafira Bumandava Eka Anggi Mahmuddin Anggi Mahmudin Anggun Fitria Novianti Anisa Roshy Rosdian Annisa Pratiwi Sundari Aprih Santoso Ardiani Ika Sulistyawati Ari Assrishan Sosh Mantoro Ari Purwanti Ari Purwanti Arif Budiarto Aris Kurniawan Asep Rizal Asep Rizal Asep Rizal Maulana Asep Saepuloh Asfahani Asfahani Aspiati Samiun Astri Astri Ayesa Aulia Sofwa Ayesa Sofwa Aulia Azmi Syarif Bambang Baren Sipayung Butar Butar, Ribka Sari Chairil Akhyar Chika Putri Irwanda Christine Riani Elisabeth Dava Indira Dandy Dede Gustian Dede Hertina Dewi Rachmania Dhafin Al-Rasyid Dhafin Al-Rasyid Dhafin Al-Rasyid Sastradireja Dini Mardiani Dini Nurhandayani Dipa Teruna Awaloedin Djalalludin Akbar Djalaludin Akbar Dwihandoko, Toto Heru Edy Susanto Eko Budi Lestari Elky Rimba Priatna Ellyta Ellyta Elsya Meida Arif Eni Rakhmawati Eris Sudarisman Erwin Erwina Kartika Devi Eva Purnamasari Eva Yuniarti Utami Fadila Almahdali Fadila Siti Nuraeni Fadlillah Ramadhan Fajar Fajar Fajriani Azis Fajriani Azis Farida Farida Farini Limbong Fatimah Rahman Fiqi Ardi Abdurahman Masdar Fitriana Rakhma Dhanias Fitriansyah Fitriansyah Fredy Olimsar Frits Oscar Fanggidae Ghina Aulia Asy-syifa Ghulam Priyatna Yoniar Ghulam Yoniar Priatna H. Qur’ani Noor Hadi Purnomo Hadi Purnomo Hajar Chair Arrachman Hakim Hakim Hariandy Hasbi Hasyim, Abdul Malik Helin G Yudawisastra Heny Herawati Herawati Herawati Heri Setiawan Hermiyetti Hermiyetti Hesti Hisani Latifah Hamdah Hesty Erviani Zulaecha Humaidah Muafiqie I KADEK WIRA DHARMA PRAYANA Indra Krishernawan Intan Nur’aini Irma M Nawangwulan Irwan Moridu Iwan Harsono Iwan Maulana Iwan S Seber Jemmy Christian Rakinaung Kakaly, Sulastri Khoirul Umam Hasbiy Klemens Mere Klemens Mere Kurniati Karim Kylla Almira Rahma Fadzillah Lanina Pratiwi Listiana Sri Mulatsih Listiana Sri Mulatsih Liza Husnita Loso Judijanto M Ramadhika Gautama K Mahdi Maisya Hayina Zahra Maisya Hayina Zahra Zahra Maliha Rizka Humaira Mario Maulana Wardhana2 Mayndarto, Eko Cahyo Meilanie Tri Pratiwi Mila Salbiyah MISMIWATI, MISMIWATI MISMIWATI Moh Rohim Suharyadi Mohamad Zulman Hakim Mohammad Gifari Sono Mohammad Ramadhika Gautama Kartiwa Mohd Syahrin Muhamad Luthfi Mubarok Muhamad Stiadi Muhamad Zaki Muhammad Alfin Alfarizi Muhammad Asir Muhammad Azizi Muhammad Azizi Muhammad Irfan Fauzan Muhammad Luthfi Mubarrok Muhammad Saddam Ihza Husain Muhammad Shofan Ambiya Muhammad Shoffan Anbiya Muhammad Syafrie Muhammad Zaki Muhtar Sapiri Muklis Muklis Muslim Musran Munizu Mutiara Hayandani Nabila Zulfa Azizah Nafsa Qolbina Istigfari Nafsa Qolbina Istighfari Nayla Rubayyina Nugraha Nekky Rahmiyati Nersiwad Ngurah Pandji Mertha Agung Durya Ngurah Pandji Mertha Agung Durya Nicko Albart Nilam Meylani Nira Destiani Dewi Nirsetyo Wahdi Nisa Febrianti Nopiyanti Rahmawati Nuraisyiah Nuraisyiah Nuraisyiah Nuraisyiah Nurdjanah Hamid Nurhikmah Sibua Nuri Triani Anggraeni Nurjanna Ladjin Nurmawati Mambuhu Nurmawati Mambuhu Nurul Afifah Nurul Laily Oktaviana Oki Dwipurwani Pamungkas, Eko Wiji Panji Setia Meijaya Petrus Loo Pina Aulia Maharani Puji Afriyeni Pujiyanti Pujiyanti Rafli Maulana Yusuf Rafli Renaldi Rahma Khairunnisa Amalia Ratnawita Ratnawita Reihan Ahmad Nurhakim Reza Fahlevi Lubis Rezario Febrianta Chandra Rezki Akbar Norrahman Rianti Setyawasih Rihfenti Ernayani Rina Apriliani Rinovian Rais Ristati Ristati Rita Zulbetti Rizal Maulana Rizki Listyono Putro Rustan Rustan Sahari Sahari Saiful Bahri Salsha Dwi Agustien Samsul Akmal Samuel PD Anantadjaya Sanita Putri Sanita Putri Yaperta Sarah Mutia Azahra Selamat Muliadi Shanita Putri Yaperta Sinta Amalia Sinta Amelia sintesa, nika Sintia Anggraeni Siska Amelia Siti Kodariah Siti Mardiana Sri Hastutik Sri Wahyuningsih Sri Yulandasari Lajai Sri Yulandasari Lajai Mandam Srifatmawati Ahmad Sudarmanto, Eko Sugiartiningsih Sukriyadi Sulistyo Budi Utomo Suparjiman Susi Nurohimah Susilo Utomo Suwarsito Syahla Nur Fikriyyah Syamsuddin Syamsuddin Tanti Widia Nurdiani Teguh Setiawan Wibowo Teti Anggita Safitri, Teti Anggita Tini Kartini Titin Hartini Tris Sudarto Umi Setyorini Ummu Kalsum Upik Djaniar Vensy Vidya Wahidah Nazmi Lailia Wasifah Hanim Wenny Desty Febrian Febrian Wildan Fathil Padil Willson Gustiawan Yasir Maulana Yesi Amelia Yofy Syarkani Yudawisastra, Helin G. Yuyu Ruhayu