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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JURNAL MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat INVEST : Jurnal Inovasi Bisnis dan Akuntansi BEMAS: Jurnal Bermasyarakat Kontigensi: Jurnal Ilmiah Manajemen JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Indonesian Community Journal Journal of Innovation Research and Knowledge Sanskara Akuntansi dan Keuangan Easta Journal of Innovative Community Services Indonesian Journal Economic Review (IJER) West Science Business and Management JIMIA Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science Jurnal REKOMEN (Riset Ekonomi Manajemen) Jurnal Pengabdian Masyarakat dan Riset Pendidikan KONTAN: Jurnal Ekonomi, Manajemen dan Bisnis IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Indonesia Economic Journal Ash-Shidqu: Jurnal Ekonomi Syariah Jurnal Pengabdian dan Inovasi Masyarakat Indonesian Journal of Business and Entrepreneurship Research INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Alfiana
Universitas Muhammadiyah Bandung, Bandung, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Penerapan Manajemen Risiko Berdasarkan ISO 31000 pada UMKM Depot Air Minum Isi Ulang Afwin Cibiru Kota Bandung Alma Aulia Siffa; Susi Nurohimah; Amira Muthi Ghassani; Maliha Rizka Humaira; 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: 10.63822/8xj9sj79

Abstract

This study aims to analyze the implementation of risk management based on ISO 31000 in the Afwin Cibiru refill drinking water depot, an MSME located in Bandung, Indonesia. Using a qualitative descriptive method through semi-structured interviews with the owner, the research identifies and evaluates risks related to market, finance, marketing, operations, human resources, and legal aspects. The risk mapping uses a risk matrix analysis to measure probability and impact levels for each event. The findings show that most risk events fall into medium and high categories, particularly risks associated with changing consumer preferences for fast delivery services, unstable operational costs, machine failures, hygiene violations, and dependence on a single worker. Applying ISO 31000 helps the business prioritize risk handling through preventive actions such as equipment maintenance schedules, hygiene control, financial recording, service expansion, and compliance with legal standards. The study concludes that structured risk management strengthens business continuity and improves operational efficiency for small-scale refill water depots.
Analisis Manajemen Risiko Berbasis ISO 31000, SWOT dan Matriks pada UMKM PD Berkah Rahayu Muhamad Zaki; Afrian Insan Kamil; M Ramadhika Gautama K; Muhamad Luthfi Mubarok; 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/hacaj327

Abstract

This study aims to analyze risk management practices in the micro, small, and medium enterprise (MSME) PD Berkah Rahayu, which operates in the wood-cutting sector in Purwakarta Regency. A descriptive qualitative approach was used, supported by interviews and SWOT analysis, to identify internal and external factors influencing the business. The findings reveal four main categories of risks faced by the enterprise: market risk, operational risk, human resource risk, and financial risk. Market risks arise from fluctuating demand, changes in wood prices, competition with similar businesses, and dependence on local markets. Operational risks include machine damage, inconsistent cutting quality, and delays in raw material supply. Human resource risks are associated with limited skilled labor and lack of training, while financial risks relate to unstable cash flow and increasing operational costs. By applying the Risk Matrix and ISO 31000 principles, PD Berkah Rahayu is able to determine priority mitigation strategies, such as regular machine maintenance, employee competency improvement, strengthening supply chain management, and enhancing financial control. This study highlights the importance of structured risk management in improving sustainability, competitiveness, and operational effectiveness for MSMEs.
Mengelola Risiko Kos-Kosan Mahasiswa dengan Pendekatan ISO 31000: Studi Kasus Sekitar Kampus Bandung Ayesa Aulia Sofwa; Sanita Putri; Lanina Pratiwi; Siska Amelia; 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: 10.63822/0dhned71

Abstract

This study examines the implementation of ISO 31000–based risk management in boarding house businesses located in a developing suburban area in Bandung Regency. Boarding house operators commonly face risks such as delayed rental payments, facility damage, fluctuating occupancy, legal and administrative issues, and building safety concerns. Using a qualitative descriptive method and a case study approach, this research identifies, analyzes, evaluates, and treats risks according to ISO 31000 principles. The results show that the main risks include financial, operational, legal, tenant-related, and environmental safety risks. Recommended mitigation strategies include digital payment systems, routine facility maintenance, written rental agreements, improved security, and emergency procedures. Applying structured risk management enhances business continuity, service quality, and tenant trust.
Analisis Manajemen Risiko UMKM Jasa Jahit Mimi Taylor Nurul Laily Oktaviana; Nira Destiani Dewi; Chika Putri Irwanda; Nabila Zulfa Azizah; 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: 10.63822/16j9np47

Abstract

This study explores various risks faced by Mimi Taylor MSME, a home-based sewing service business that has been operating since 1997. The analyzed risks include market risks, marketing risks, financial risks, operational risks, human resources risks, and legal aspects. The research method employs a descriptive qualitative approach through field observations and direct interviews with the business owner. The study results indicate that operational and marketing risks are the most prominent, particularly those related to delays in order completion, equipment damage, lack of promotion, and dependence on existing customers. Risk matrix analysis is conducted based on ISO 31000 principles, followed by the design of mitigation strategies for each major risk. This study emphasizes the significance of implementing structured risk management to support the sustainability and competitiveness of small-scale sewing service businesses.  
Pengaruh Biaya Operasional (BOPO) Dan Non-Performing Loan (NPL) Terhadap Return Of Asset (ROA) Pada Perusahaan Perbankan Yang Terdaftar Di BEI Periode 2020-2024 Pujiyanti Pujiyanti; Sinta Amalia; Nafsa Qolbina Istigfari; Sri Yulandasari Lajai; 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/adh1xh76

Abstract

This study examines the effect of BOPO and NPL on Return on Assets (ROA) in banking companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The data were processed using EViews 12 through panel data regression, which included data preparation, descriptive statistics, normality testing, panel-specific diagnostic tests, and model selection using the Chow, Hausman, and LM tests. The results indicate that the Random Effect Model (REM) is the most appropriate model for this research. The findings show that BOPO has a negative and significant effect on ROA, while NPL has a negative but insignificant effect. Simultaneously, both variables significantly influence ROA, with an R² of 93.03%, indicating strong explanatory power. The study concludes that operational efficiency plays a major role in determining bank profitability, whereas credit risk does not significantly affect ROA during the study period.
Pengaruh Kinerja Keuangan Dan Manajemen Risiko Terhadap Nilai Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2019-2024 Sri Yulandasari Lajai Mandam; Pujiyanti Pujiyanti; Hajar Chair Arrachman; Adam Devan Ferdian; 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/a1zb4r61

Abstract

The purpose of this research is to review how financial performance and risk management affect the value of banking companies listed in the Indonesian capital market (IDX) during the period 2019 to 2024. The benchmark for financial performance is Return on Assets (ROA), while risk management is seen from Non Performing Loan (NPL), and the company's value is measured using Price to Book Value (PBV). This research uses secondary data obtained from the annual financial statements of various banks published by BEI. The sampling technique used is purposive sampling, which produces several selected banks that meet the research criteria. The analysis was carried out with panel data regression, selecting a model through the Chow test, Hausman test, and the Lagrange Multiplier test, with the Fixed Effect Model (FEM) as the selected model. The research results revealed that separately, ROA has a positive impact although not significantly on the company's value, while NPL has a negative impact that is also insignificant on the company's value. However, through the F test, it was found that ROA and NPL together have a significant effect on the company's value. The high coefficient of determination indicates that the research model is quite strong in explaining the change in corporate value in the banking sector. The conclusion of this research is that although each variable, both financial performance and risk management, does not show a significant influence individually, both still play an important role in determining the value of banking companies in Indonesia.
Penerapan Manajemen Risiko Berbasis ISO 31000 pada Laundry Service: Studi Kasus Laundry Service Prima Wush Sanita Putri Yaperta; Ayesa Aulia Sofwa; Lanina Pratiwi; Siska Amelia; 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: 10.63822/5vry8b30

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan manajemen risiko berbasis ISO 31000:2018 pada usaha jasa laundry dengan menggunakan Laundry Service Prima Wush sebagai studi kasus. Penerapan manajemen risiko menjadi sangat penting dalam menghadapi ketidakpastian operasional, persaingan usaha, serta risiko yang berkaitan dengan kualitas layanan dan kepuasan pelanggan. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan studi kasus melalui tahapan identifikasi risiko, analisis risiko, evaluasi risiko, dan mitigasi risiko sesuai dengan prinsip-prinsip ISO 31000. Hasil penelitian menunjukkan bahwa Laundry Service Prima Wush menghadapi beberapa risiko utama, antara lain keterlambatan proses pencucian, kerusakan atau kehilangan pakaian pelanggan, penetapan harga yang kurang kompetitif, serta kelelahan karyawan akibat beban kerja yang tinggi. Melalui penerapan manajemen risiko berbasis ISO 31000, perusahaan mampu menerapkan strategi mitigasi seperti perawatan mesin secara berkala, diversifikasi pemasok bahan pembersih, peningkatan standar operasional prosedur (SOP), serta pengelolaan jadwal kerja karyawan yang lebih efektif.
Analisa Manajemen Risiko pada UMKM Di Sektor Kreatif Menggunakan Framework ISO 31000 dan Matriks Risiko: Studi Kasus Fresco Florist di Kota Bandung Hesti Hisani Latifah Hamdah; Anisa Roshy Rosdian; Aghnia Yasyfa; Almaira Sarah Junjunan; 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/qbk6q406

Abstract

Fresco Florist is one of the micro, small, and medium enterprises (MSMEs) located in Bandung, founded by Adhela Nuzul Fariqa in 2022. This business operates in the floral arrangement sector with the concept of an “affordable aesthetic florist” that emphasizes unique designs, visual appeal, and affordable prices. Since its establishment, Fresco Florist has served various customer needs for special occasions such as graduations, birthdays, and engagements, and has gained recognition through active promotion on social media platforms. The essence of this study is to identify the sources of risk faced by Fresco Florist and to analyze the causes and mitigation strategies implemented to overcome these risks. This research employs a qualitative descriptive analysis method, with risk identification conducted using the risk matrix and SWOT analysis approaches. The results show that Fresco Florist encounters several categories of risks, including operational, financial, marketing, market, human resources (HR), and legal risks. Through the implementation of mitigation strategies such as supplier diversification, a pre-order system, and digital marketing enhancement, Fresco Florist has been able to maintain its business stability and competitiveness within Bandung’s florist industry..
Analisis Manajemen Risiko Pada UMKM Rental Motor Bandung Menggunakan Framework ISO 31000 dan Matriks Risiko Manajemen Anggi Mahmudin; Yesi Amelia; Tini Kartini; 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: 10.63822/5x9h6157

Abstract

This study aims to analyze the implementation of risk management in micro, small, and medium enterprises (MSMEs) in the motorcycle rental sector in Bandung using the ISO 31000 Framework and the Risk Management Matrix. The research method used is a qualitative descriptive approach with data collection techniques through interviews and observations on several MSME motorcycle rental actors. The analysis is carried out based on the stages of ISO 31000, namely context determination, risk identification, risk analysis, risk evaluation, and risk management. The results of the study indicate that the main risks faced by MSME motorcycle rentals include operational risks such as vehicle loss, late payments, and unit damage, as well as external risks such as regulatory changes and economic conditions. Based on the risk matrix, most risks are in the medium to high category, which requires mitigation strategies through improving security systems, implementing stricter rental agreements, and using vehicle tracking technology (GPS). This study is expected to be a reference for MSME motorcycle rental actors in developing an effective risk management system to improve business sustainability..
Penerapan Manajemen Risiko Berbasis ISO 31000 Pada Depot Air Minum Isi Ulang Amanda Cibangkong Kota Bandung Nira Destiani Dewi; Chika Putri Irwanda; Nabila Zulfa Azizah; 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/jk32d394

Abstract

This study analyzes the implementation of risk management based on ISO 31000 in the Amanda Refill Water Depot, a small and medium enterprise (SME) located in Cibangkong, Bandung City. The purpose of this study is to identify potential risks, assess their likelihood and impact, and evaluate mitigation efforts in accordance with ISO 31000. The research method used is a descriptive qualitative approach through interviews and direct observation. The findings indicate that the main risks encountered include occasional machine damage, power outages, and leaking gallons, although these occur infrequently. The business’s strength lies in consistent cleanliness and customer trust, while weaknesses are found in the absence of online promotion and delivery services. A notable threat is the lack of a digital presence on Google Maps, which may reduce market visibility. The study concludes that while the depot informally applies risk management principles in daily operations, improvements are still needed in formal documentation, standard operating procedures, and digital adaptation to strengthen resilience and competitiveness.
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