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Analisis Manajemen Risiko Pada UMKM Fashion Lokal Korean Style Menggunakan Pendekatan  Enterprise Risk Management (ERM): Studi Kasus “MadebyHara” Intan Nur’aini; Ai Malita Wulandari; Nayla Rubayyina Nugraha; Nuri Triani Anggraeni; Alfiana Alfiana
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: 10.63822/4dk69n82

Abstract

This study aims to analyze risk management within the local Korean-style fashion MSME MadebyHara using the Enterprise Risk Management (ERM) approach. A descriptive qualitative method was employed, utilizing direct observation and in-depth interviews with the business owner to identify, assess, and categorize business risks. The findings reveal 14 key risks classified into market, marketing, financial, operational, human resource, and legal–reputation risks. Based on the risk matrix analysis, two risks fall into the high-risk category: intense competition with local Korean-style fashion brands and human error during packing and product delivery. Six risks are categorized as medium-level risks, including rapid changes in fashion trends, decreasing consumer purchasing power, declining social media engagement, unstable material supply, production delays, and customer complaints. Meanwhile, six other risks are identified as low-level risks. The results indicate that marketing and operational aspects represent the most significant sources of risk for MadebyHara. This study recommends several mitigation strategies, such as strengthening branding, enhancing product design innovation, implementing strict Standard Operating Procedures (SOPs) and quality control, diversifying suppliers, and improving workforce competence. Consistent application of ERM is expected to improve business resilience and support the sustainability of MadebyHara in the competitive fashion industry..
Analisa Manajemen Risiko Pada Travel Umroh Menggunakan Matriks Manajemen Risiko : Studi Kasus “Travel Umroh Rawda Cahya Multazam” Di Kota Bandung Panji Setia Meijaya; Nayla Rubayyina Nugraha; Asep Rizal Asep Rizal; Muhammad Luthfi Mubarrok; Alfiana Alfiana
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/n2gkra05

Abstract

This study aims to analyze risk management at Umroh Travel Rawda Cahya Multazam, an umrah travel agency in Bandung, using a risk matrix approach. A descriptive qualitative method was applied through interviews to identify various risk categories, including market, financial, marketing, operational, human resources, and legal risks. Risk assessment was conducted using likelihood and impact criteria, resulting in the classification of risks into low, medium, and high levels. The findings reveal 22 identified risks, consisting of 8 high-level risks, 13 medium-level risks, and 1 low-level risk. The most critical risks include fluctuations in ticket and hotel prices, delayed customer payments, intense competition, currency exchange volatility, logistical issues, regulatory changes, and visa processing delays. Based on the evaluation, several mitigation strategies are recommended, such as long-term pricing contracts, strengthened standard operating procedures, digital marketing optimization, staff training, diversified package offerings, and establishing an emergency fund. The study concludes that systematic risk management enhances operational stability, increases customer trust, and strengthens the company’s competitiveness amid uncertainties in the umrah travel industry.
Analisis Manajemen Risiko pada Pengelolaan Operasional UMKM Fotocopy Maju Jaya di Kota Bogor Ai Malita Wulandari; Intan Nur’aini; Nayla Rubayyina Nugraha; Nuri Triani Anggraeni; Alfiana Alfiana
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/m0f4va86

Abstract

This study aims to analyze risk management within the operational activities of the Fotocopy Maju Jaya micro-enterprise using a 3×3 risk matrix through the stages of risk identification, analysis, evaluation, and treatment. Employing a qualitative descriptive approach supported by observations and interviews, the study identifies 28 risks that fall into six categories: market, marketing, financial, operational, human resources, and legal risks. The evaluation using the 3×3 matrix indicates that one risk is categorized as high, twelve risks as medium, and fifteen as low. The highest risk concerns the absence of a routine service schedule for photocopy machines, which may interrupt operations during peak periods. Medium-level risks are mainly related to the absence of standard operating procedures, limited employee skills, unstable cash flow, and insufficient promotional activities. The findings highlight that operational continuity depends heavily on equipment maintenance, workforce competence, and structured procedures. The study recommends implementing routine maintenance, establishing clear SOPs, enhancing employee training, digitizing financial recording systems, and completing business legality requirements to improve operational performance and support the sustainability of Fotocopy Maju Jaya
Analisis Manajemen Risiko Dan Strategi Mitigasi Usaha Pada UMKM Buket Jurnalis Di Kota Bandung Nabila Zulfa Azizah; Chika Putri Irwanda; Nira Destiani Dewi; Nurul Laily Oktaviana; Alfiana Alfiana
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/eyqzza34

Abstract

UMKM Buket Jurnalis is a small business engaged in selling artificial flower bouquets, fresh flowers, and supporting products such as gift boxes and standing flowers. Established in late 2021, the business has grown gradually in response to market demand. This study aims to identify and analyze the various risks faced by UMKM Buket Jurnalis and to determine appropriate mitigation strategies to ensure business continuity. The research method used is a qualitative descriptive approach with a case study through direct interviews with the business owner. The findings indicate that UMKM Buket Jurnalis faces six main categories of risk: market, financial, marketing, operational, human resources, and legal risks. The most significant risks include fluctuating seasonal demand, rising raw material costs, and limited workforce capacity during peak periods. The mitigation strategies applied involve quality control, market price evaluation, customer service improvement, inventory There are no sources in the current document.anagement, and employee training. By implementing effective risk management practices, UMKM Buket Jurnalis is expected to enhance its competitiveness and maintain sustainable business performance within the increasingly competitive florist industry.
Analisis Manajemen Risiko Usaha Konveksi Menggunakan Pendekatan ISO 31000 Almaira Sarah Junjunan; Nisa Febrianti; Muhammad Shoffan Anbiya; Sarah Mutia Azahra; Alfiana Alfiana
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/b7cjsg75

Abstract

This study examines risk management practices in a small-scale garment business, Planet Lain Konveksi, located in Bandung City. Small and medium-sized enterprises in the garment sector face various uncertainties that may disrupt production activities and affect business sustainability. This research aims to identify potential risks encountered by the business and to analyze the application of risk management based on the ISO 31000 framework. A qualitative descriptive approach was employed using direct observation and interviews with the business owner as the primary data sources. The results indicate that Planet Lain Konveksi is exposed to several key risks, including operational, financial, human resource, marketing, market, and legal risks. Some risks demonstrate relatively high levels of impact and likelihood, particularly those related to raw material delays, machine breakdowns, and delayed customer payments. The implementation of ISO 31000-based risk management is expected to support SMEs in anticipating potential issues, improving operational stability, and maintaining business sustainability within the increasingly competitive garment industry.
Analisis Manajemen Risiko pada UMKM Depo Air Minum BIRU Ciwastra Kota Bandung Muhammad Shoffan Anbiya; Almaira Sarah Junjunan; Nisa Febrianti; Sarah Mutia Azahra; Alfiana Alfiana
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/ztsrkg62

Abstract

Drinking Drinking water refill depots are one of the MSME sectors that play an important role in meeting the drinking water needs of urban communities. Depo Air Minum BIRU Ciwastra is an MSME engaged in drinking water refill services located in Bandung City. This study aims to analyze the risk management practices implemented at Depo Air Minum BIRU Ciwastra using a descriptive qualitative approach based on the ISO 31000:2018 framework. Data were collected through field observations, interviews with the business owner, and documentation review. The results indicate that there are six main categories of risk, namely operational, financial, human resources, market, marketing, and legal risks, with a total of 30 identified risk events. The highest risk levels were found in operational, market, and financial aspects, which directly affect water quality, service performance, and cash flow stability. Risk mitigation strategies include routine machine maintenance, separation of business and personal finances, improvement of human resource competencies, optimization of digital marketing, and periodic water quality testing. The systematic implementation of risk management is expected to enhance business resilience, service quality, and the long-term sustainability of drinking water refill MSMEs amid increasingly intense competition.
Analisis Risiko Usaha Aksesoris Trezzya Berdasarkan Kerangka ISO 31000:2018 Sarah Mutia Azahra; Almaira Sarah Junjunan; Nisa Febrianti; Muhammad Shoffan Anbiya; Alfiana Alfiana
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/xmhsrk45

Abstract

MSMEs play a vital role in supporting Indonesia's economic growth, yet they frequently face challenges in maintaining business sustainability. One such challenge is the lack of effective risk management implementation. This study aims to analyze the implementation of risk management at the Trezzya Accessories MSME, a business engaged in the production and sale of handmade accessories and gifts. The analytical method used refers to the ISO 31000:2018 framework, which encompasses the identification, analysis, and assessment of risks, supported by a SWOT analysis to assess the business's strengths, weaknesses, opportunities, and threats. The results indicate that the main risks faced include operational, financial, and market risks, which significantly impact business sustainability. The implementation of mitigation strategies such as strengthening digital marketing, improving human resource skills, and more structured financial management is considered capable of minimizing potential losses and increasing business competitiveness. Thus, the implementation of ISO 31000-based risk management plays a crucial role in supporting the stability and sustainability of the Trezzya Accessories MSME amidst dynamic market competition.
Analisis Manajemen Risiko pada UMKM Konveksi Rumahan NHM Production di Bandung Nisa Febrianti; Almaira Sarah Junjunan; Sarah Mutia Azahra; Muhammad Shofan Ambiya; Alfiana Alfiana
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/j6jjh887

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in the garment sector play an important role in the economy by providing employment opportunities and meeting society’s demand for clothing products. However, as market competition intensifies, these businesses face various challenges, including changes in fashion trends, quality demands, and rapid technological development. This study, titled “Risk Management Analysis of Home-Based Garment MSME NHM Production in Bandung”, aims to analyze the risks faced by the business and identify effective risk management strategies. The research method used is descriptive qualitative, with data collected through interviews and SWOT analysis. The results indicate that the main risks include operational, financial, human resource, and market risks. Mitigation strategies such as regular machine maintenance, improving production efficiency, and supplier diversification are proven to be effective in minimizing risks. By implementing effective risk management, garment MSMEs like NHM Production can enhance competitiveness and business sustainability.
Pengaruh Current Ratio (CR) dan Net Profit Margin (NPM) Terhadap Harga Saham pada Perusahaan Makanan & Minuman yang Terdaftar di Bursa Efek Indonesia Periode 2020-2024 Nopiyanti Rahmawati; Rizal Maulana; Alfiana Alfiana
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/vz7hmq90

Abstract

This study aims to analyze the effect of the Current Ratio and Net Profit Margin on stock prices using a panel data regression approach. The data used in this study are secondary data in the form of corporate financial statements and stock prices over a specific observation period. The analytical method employed is panel data regression with the Random Effect model, which was selected based on the results of the model selection tests. The results indicate that, partially, the Current Ratio has no effect on stock prices, while the Net Profit Margin has an effect on stock prices. Simultaneously, the Current Ratio and Net Profit Margin jointly influence stock prices. The findings also show that the Current Ratio and Net Profit Margin variables are able to explain 48.99% of the variation in stock prices, while the remaining 51.01% is influenced by other factors outside the variables examined. Therefore, this study is expected to serve as a reference for investors and company management in making investment decisions and evaluating corporate financial performance in the future.
Pengaruh ROA dan ROE Terhadap Harga Saham pada Perusahaan Perbankan yang Terdaftar di BEI Tahun 2020-2024 Rizal Maulana; Muhammad Saddam Ihza Husain; Nopiyanti Rahmawati; Alfiana Alfiana
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/kq5b4r61

Abstract

The importance of stock investment in supporting the country's economic growth lies in its role in driving the development of the capital market, which provides funding for companies, enabling them to grow and expand their businesses. The banking sector, as a financial institution, plays a crucial role in maintaining national economic stability by contributing to the increase in capital formation, which is essential for economic development. Therefore, the capital market and the banking sector are closely interconnected in maintaining economic stability. One of the key elements of fundamental analysis is profitability ratios, including ROA and ROE. The aim of this study is to determine the extent of the correlation between ROA and ROE with stock prices. This research is a quantitative study using secondary data derived from the financial statements of banking companies from 2021 to 2025. The findings show that ROA and ROE have a positive influence on stock prices, both partially and simultaneously. This indicates that the banking sector demonstrates strong company performance, as the management of assets and equity—reflected in ROA and ROE—has been carried out optimally, thereby positively affecting stock prices.
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