Islamic Banking and Finance
Vol. 6 No. 1 (2026)

Implementasi Manajemen Risiko Pada Keberlanjutan Usaha Bumdes Temmapettue: Studi pada Desa Teamalala Kecamatan Ulaweng

Suci Aryuningsih (INSTITUT AGAMA ISLAM NEGERI (IAIN) BONE)
Abd. Rasyid R (INSTITUT AGAMA ISLAM NEGERI (IAIN) BONE)
Sitti Nikmah Marzuki (INSTITUT AGAMA ISLAM NEGERI (IAIN) BONE)



Article Info

Publish Date
29 Jun 2026

Abstract

Village-Owned Enterprises (BUMDes) play a strategic role in promoting rural economic development; therefore, effective risk management is essential to ensure business sustainability. This study aims to analyze the implementation of risk management, business development, and the challenges encountered by BUMDes Temmapettue in Teamalala Village, Ulaweng District, Bone Regency. The research employed a qualitative approach, with data collected through observation, interviews, and documentation, and analyzed using descriptive qualitative methods. The findings indicate that risk management has been implemented through continuous risk identification, assessment, control, and evaluation, which has contributed significantly to the development and sustainability of the enterprise. The implementation of risk management has strengthened operational performance, improved managerial capability, and enhanced the management's confidence in the long-term prospects of the business. Nevertheless, several challenges remain, including delays in the supply of raw materials and minor workplace injuries experienced by employees during the production process. In conclusion, the implementation of risk management plays a crucial role in supporting the sustainability of BUMDes Temmapettue. However, continuous improvements in risk mitigation strategies are necessary to ensure the long-term resilience and sustainability of the enterprise.

Copyrights © 2026






Journal Info

Abbrev

ibf

Publisher

Subject

Economics, Econometrics & Finance

Description

Journal IBF (Islamic Banking and Finance) is a scientific journal managed by Islamic banking, the Bone State Islamic Institute of Religion. This journal focuses on major studies in Islamic Finance, Islamic Banking, finance, Islamic Financial Technology, Islamic Accounting and relevant fields of ...