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All Journal Ekopedia: Jurnal Ilmiah Ekonomi
Wulandari, Ai Malita
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Economics, Econometrics & Finance

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Analisa Manajemen Risiko Pada UMKM Hijab Menggunakan Matriks Risiko Manajemen : Studi Kasus “Elmillahijab” di Kota Bandung Nugraha, Nayla Rubayyina; Wulandari, Ai Malita; Nur’aini , Intan; Anggraeni, Nuri Triani; 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/vt1v7523

Abstract

This study aims to analyze risk management at the Elmillahijab MSME in Bandung using a risk matrix approach. The method used was descriptive qualitative through direct observation and interviews with the business owner. The results showed that 31 risks were identified and categorized into six main types: market, financial, marketing, operational, human resources, and legal risks. Based on likelihood and impact analysis, 1 risk was identified as very high, 8 as high, 9 as medium, 12 as low, and 1 as very low. The most dominant risks stem from competitors conducting large-scale promotions, increasing raw material prices, and errors in pricing. Recommended risk management measures include regular market research, improving product quality, strengthening digital branding, and diversifying raw material suppliers. This study emphasizes the importance of implementing risk management at the MSME level to increase business resilience, maintain business sustainability, and strengthen competitive position in the ever-growing hijab fashion market.
Analisis Manajemen Risiko pada Jasa Mesin Bordir di Usaha Arsel Bandung Anggraeni, Nuri Triani; Wulandari, Ai Malita; Nur’aini, Intan; Nugraha, Nayla Rubayyina; 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/j1qrh760

Abstract

The development of embroidery services in the garment industry in Bandung is significant, garnering government attention as a driver of the country's economy. However, this sector has not yet become an independent sector and a pillar of the national economy. This study aims to determine the risks inherent in the embroidery services sector, as its operational activities pose various potential risks, both operationally, financially, and through human resources. The embroidery business is part of the Micro, Small and Medium Enterprises (MSMEs) sector. interviews, and documentation of service business owners and employees. Promotion is carried out through approaches between businesses, or clothing businesses that collaborate with embroidery services. This is because, in the embroidery service environment, there are several businesses producing clothing, jackets, and Levi's pants. The results of the study indicate that the main risks faced include the risk of machine damage, delays in orders, fluctuations in material prices, and dependence on skilled labor. Strategies implemented to control these risks include conducting routine machine maintenance and establishing intensive communication with customers
Analisis Manajemen Risiko Pada UMKM Fashion Lokal Korean Style Menggunakan Pendekatan  Enterprise Risk Management (ERM): Studi Kasus “MadebyHara” Nur’aini, Intan; Wulandari, Ai Malita; Nugraha, Nayla Rubayyina; Anggraeni, Nuri Triani; 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..
Analisis Manajemen Risiko pada Pengelolaan Operasional UMKM Fotocopy Maju Jaya di Kota Bogor Wulandari, Ai Malita; Nur’aini, Intan; Nugraha , Nayla Rubayyina; Anggraeni, Nuri Triani; 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
Co-Authors Alfiana Alfiana Anggraeni, Nuri Triani Nugraha , Nayla Rubayyina Nugraha, Nayla Rubayyina Nur’aini , Intan Nur’aini, Intan