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All Journal Ekopedia: Jurnal Ilmiah Ekonomi
Mubarrok, Muhammad Luthfi
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Economics, Econometrics & Finance

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Analisa Manajemen Risiko Pada Travel Umroh Menggunakan Matriks Manajemen Risiko : Studi Kasus “Travel Umroh Rawda Cahya Multazam” Di Kota Bandung Meijaya, Panji Setia; Nugraha, Nayla Rubayyina; Asep Rizal, Asep Rizal; Mubarrok, Muhammad Luthfi; 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 UMKM Konveksi YouthStruggle (YS), Tanjungsari, Kabupaten Sumedang Mubarrok, Muhammad Luthfi; Zaki, Muhammad; Maulana, Asep Rizal; Meijaya, Panji Setia; 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: 10.63822/5aevf807

Abstract

YouthStruggle (YS), a micro-scale garment business established in 2023 in Jl. Mandi, Tanjungsari, faces various business risks due to market dynamics and its labor-intensive production process. This study aims to identify operational, financial, human resource, and market risks in YS and determine appropriate mitigation strategies. The research employs a qualitative descriptive approach through observations, semi-structured interviews with the owner, and documentation of production activities. Data were analyzed using the Miles and Huberman model and a 3×3 risk matrix. The findings reveal that the most prominent risks occur in operational activities, including delays in raw material supply, machine breakdowns, and inconsistent product quality. Financial risks arise from limited capital and manual bookkeeping, while human resource risks relate to low skill levels and worker turnover. Market risks stem from changing fashion trends and competition from imported products. Most risks fall into the high category, requiring immediate mitigation. Recommended strategies include supplier diversification, scheduled machine maintenance, skills training, financial digitalization, and strengthened digital marketing.
Analisis Manajemen Risiko Usaha Berdasarkan ISO 31000 pada UMKM Annisa Toys di Kabupaten Bandung Maulana, Asep Rizal; Mubarrok, Muhammad Luthfi; Zaki, Muhamad; Meijaya, Panji Setia; Anbiya, Muhammad Shoffan; 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/fmavzc63

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting the national economy, particularly in the creative industry sector. One MSME operating in this sector is Annisa Toys, a doll production and retail business located in Kampung Boneka Sayati, Bandung Regency. Although Annisa Toys has been established since 1UU2 and has experienced significant business growth, various business risks remain and may affect its operational continuity and sustainability. This study aims to identify the business risks faced by Annisa Toys, analyze the level of risk based on the ISO 31000 framework, and formulate appropriate risk mitigation strategies. This research employs a descriptive qualitative approach, with data collected through direct observation, interviews with the business owner, and documentation studies. The results indicate that Annisa Toys faces several major risk categories, including operational risk, financial risk, human resource risk, market risk, marketing risk, and legal risk. Operational and market risks are identified as the most significant threats, particularly those related to custom doll production processes, intense price competition, and changes in consumer behavior. The implementation of ISO 31000–based risk management is expected to help Annisa Toys minimize risk impacts, improve operational efficiency, and maintain business sustainability in the increasingly competitive doll industry.
Co-Authors Alfiana Alfiana Anbiya, Muhammad Shoffan Asep Rizal, Asep Rizal Maulana, Asep Rizal Meijaya, Panji Setia Muhammad Zaki Nugraha, Nayla Rubayyina Zaki, Muhamad