Penerapan dan Evaluasi Strategi Manajemen Risiko Keuangan pada UMKM (Studi Kasus Batik Ronggomukti Sidomukti Kecamatan Kraksaan Kabupaten Probolinggo)
DOI:
https://doi.org/10.30640/ekonomika45.v12i2.4476Keywords:
Batik Industry, financial Risk Management, MSMEsAbstract
This study investigates the implementation and evaluation of financial risk management strategies at Batik Ronggomukti, a creative micro, small, and medium enterprise (MSME) located in Kraksaan District, Probolinggo. The research highligh key financial risk faced by the enterprise, including raw material price volatility, market uncertainty, and limited working capital. Employing a qualitative case study approach, data were collected through in-depth interviews and direct field observations. The findings reveal that Batik Ronggomukti adopts practical and contextually adaptive risk management strategies, such as product diversification to reduce market dependency, manual financial record-keeping for monitoring cash flows, cost efficiency in production processes, and partnership-based financing to avoid high-interest loans. These approaches have contributed to improved operational performance, enhanced cash flows stability, and stronger business resilience against external shocks. However, the current risk management system remains largely informal, with no standardized documentation or quantitative analysis to support decision-making. Evaluation methods are still based on intuition and personal experience, lacking measurable indicators to assess effectiveness. This indicates the need for formal training and the adoption of digital financial tools to strengthen managerial capabilities and risk mitigation. The study concludes by recommending institutional support and collaboration ith government bodies or academic institutions to promote a more sustainable and structured financial risk management framework for MSMEs, ensuring their long-term viability in a dynamic economic environment.
References
Amelia, D. N. (2023). Analisis Manajemen Risiko pada UMKM Toko Syirkah Menggunakan ISO 31000. INTEK : Jurnal Informatika Dan Teknologi Informasi, 6(2), 56–63. https://doi.org/10.37729/intek.v6i2.3873
Aqidah, atul, & Syamsul Hadi, M. (2023). Analisis Keungggulan Produk Dalam Meningkatkan Daya Saing Pada Umkm Cv. Batik Tulis Prabulinggih. Issn, 9(1), 2548–5911. https://doi.org/10.36835/iqtishodiyah.v9i1.970
Arimbi Pamungkas1, A. T. (2022). Attractive : Innovative Education Journal. Students’ Difficulties at Elementary School in Increasing Literacy Ability, 4(1), 1–12.
Aziz, A. Z. A. (2021). Manajemen Risiko Pembiayaan pada Lembaga Keuangan Syariah. http://repository.syekhnurjati.ac.id/9091/%0Ahttp://repository.syekhnurjati.ac.id/9091/1/00 BOOK MANAJEMEN RISIKO PEMBIAYAAN_compressed.pdf
Cahyati, S. C. A., Thai, K., Carline, L., Mutiara, H., & Syahara, E. (2022). Pengaruh Penerapan Manajemen Risiko Bisnis Pada UMKM Nj. Thai Boba. YUME: Journal of Management, 5(3), 409–418. https://doi.org/10.37531/yume.vxix.324
Fauzi, A., Wibowo, A., Selayan, A. N., & Nst, S. J. (2022). VISA: Journal of Visions and Ideas Analisis Manajemen Resiko Bisnis: Studi Pada Produk Usaha Yozi Boba. Journal of Visions and Ideas, 2(2), 2.
Gifria Ningsih, Eni Indriani, A. B. S. (2023). Pengelolaan Keuangan Usaha Mikro Kecil. Pengelolaan Keuangan Usaha Mikro, Kecil Dan Menengah (Umkm): Apa Saja Faktor Penghambatnya, 2019, 70–85.
Hariadi, S., Ni’mah, M., & Badruddin, F. (2022). Media Jejaring Sosial dalam Manajemen Pemasaran Pendidikan di Yayasan Fatahillah Sumberkerang Sebaung Probolinggo. Jurnal Pendidikan Dan Konseling, 4(4), 2725–2729.
Hariwibowo, I. N. (2022). Identifikasi Risiko Usaha Pada UMKM Toko Batik. Jurnal Atma Inovasia, 2(3), 262–268. https://doi.org/10.24002/jai.v2i3.5722
Hasanah, S., Ni’mah, M., & Kholili, A. (2023). Improving Reading Comprehension Through Using of the Herringbone Technique in Teaching Reading. PEDAGOGIK: Jurnal Pendidikan, 10(1), 46–58. https://doi.org/10.33650/pjp.v10i1.5488
Jikrillah, S., Ziyad, M., & Stiadi, D. (2021a). Analisis Manajemen Risiko Terhadap Keberlangsungan Usaha Umkm Di Kota Banjarmasin. Jwm (Jurnal Wawasan Manajemen), 9(2), 134–141. https://doi.org/10.20527/jwm.v9i2.24
Jikrillah, S., Ziyad, M., & Stiadi, D. (2021b). ANALISIS MANAJEMEN RISIKO TERHADAP KEBERLANGSUNGAN USAHA UMKM DI KOTA BANJARMASIN. JWM (JURNAL WAWASAN MANAJEMEN), 9(2), 134–141. https://doi.org/10.20527/jwm.v9i2.24
Lionel, E., Leonard, Fernando, N., Ong, T., & Septama, V. (2023). Analisis Manajemen Risiko pada Malaya Cafe. CEMERLANG : Jurnal Manajemen Dan Ekonomi Bisnis, 3(1), 251–266.
Mukarromah, L., & Widya Prasetyandari, C. (2023). Dampak Implikasi Sistem Informasi Manajemen Baznas (Simba) Pada Akuntabilitas Pengelolaan Zakat Di Kabupaten Probolinggo. Jurnal Tabarru’: Islamic Banking and Finance, 6(1), 101–110. https://doi.org/10.25299/jtb.2023.vol6(1).12800
Rahmadani, I., Simin, & Indiahono, D. (2020). Implementasi Program Pinjaman Dana Bergulir Bagi Usaha Mikro Kecil Dan. Jurnal Ilmu Administrasi Negara (AsIAN), 8(1), 47–61.
Rukayyah, Triwisudaningsih, E., & Aqidah, W. (2024). Analisis Pemanfaatan Qris dalam Kemudahan Pembayaran Konsumen CFD Kraksaan. Jurnal Informatika Ekonomi Bisnis, 6(2), 330–336. https://doi.org/10.37034/infeb.v6i2.866
Serambi, J., Haq, F. Y., Dimas, M. S., & Mustofa, R. (2025). Analisis Manajemen Risiko Pada UMKM “ Angkringan Pandewa ” Jl . Sindanglaya Bandung. 8(1), 1013–1019.
Sri Hartati. (2013). Manajemen Keuangan Untuk Usaha Mikro Kecil Dan Menengah. Jurnal Akutansi Dan Investasi, 2 (2)(1), 6.
Sugiono. (2013). Metode Penelitian Kuantitatif, Kualitatif, dan R&D (Issue January).
Suprayitno, H., & Martanti, D. E. (2023). Strategi Pengembangan UMKM Batik Desa Sumberjo Sutojayan Kabupaten Blitar. Seminar Nasional Universitas Negeri Surabaya 2023, 1, 1049–1055.
Yolanda, C. (2024). Peran Usaha Mikro, Kecil Dan Menengah (UMKM) Dalam Pengembangan Ekonomi Indonesia. Jurnal Manajemen Dan Bisnis, 2(3), 170–186. https://doi.org/10.36490/jmdb.v2i3.1147
Yuliatin Ali Syamsiah, Dwi Sukma Donoriyanto, & Isna Nugraha. (2023). Pengendalian Risiko dan Optimalisasi Persediaan Bahan Baku pada Usaha Kecil: Pendekatan Metode FMEA dan EOQ. Jural Riset Rumpun Ilmu Teknik, 2(2), 158–171. https://doi.org/10.55606/jurritek.v2i2.2566
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 EKONOMIKA45 : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.