KEBERLANGSUNGAN USAHA UMKM BERDASARKAN MANAJEMEN RISIKO KEUANGAN DI DAERAH LAHAN BASAH KOTA BANJARMASIN
DOI:
https://doi.org/10.20527/jwmthemanagementinsightjournal.v11i1.229Keywords:
Finance Risk Management, SWOT Analysis, SMEs.Abstract
Abstract
The purpose of this research is to identify the process of financial risk management, to assess the financial risks that may arise and to analyze the strategies that will be carried out by MSMEs in dealing with or managing these financial risks. This research was conducted in accordance with the risk management process (ISO 31000:2018), namely financial risk identification, financial risk analysis, financial risk evaluation and financial risk treatment.
In this study, using Census Sampling, which is a sampling method when all members of the population are used as samples. The number of population and sample is the same (saturated sample) from this study are MSME business actors around the coast of the Martapura river in Banjarmasin City. The number of samples used in this study were 50 MSMEs located on the coast of the Martapura river in Banjarmasin City.
The results of the risk analysis show that there is capital risk, and liquidity risk is included in the categoryUnacceptable (red)that is Financial risk treatment must be carried out immediately even though the costs are high because it involves the continuity of the company so that capital risk and liquidity risk become the main focus and also because these financial risks have a major impact on MSMEs. Market risk and credit risk fall into the categoryUnacceptable (red) then risk treatment needs to be done so that the financial risk is minimized.
Keywords: Finance Risk Management, SWOT Analysis, SMEs.
ABSTRAK
Tujuan dari penelitian ini adalah mengidentifikasi proses manajemen risiko keuangan, melakukan penilaian terhadap risiko keuangan yang kemungkinan muncul dan melakukan analisa terhadap strategi yang akan dilakukan oleh UMKM dalam menangani ataupun mengelola risiko keuangan tersebut. Penelitian ini dilakukan sesuai dengan proses manajemen risiko (ISO 31000:2018) yaitu identifikasi risiko keuangan, analisis risiko keuangan, evaluasi risiko keuangan dan perlakuan risiko keuangan.
Pada penelitian ini menggunakan Sampling Sensus yaitu metode penarikan sampel bila semua anggota populasi dijadikan sebagai sampel. Jumlah populasi dan sampel adalah sama (sampel jenuh) dari penelitian ini adalah pelaku usaha UMKM sekitar pesisir sungai Martapura di Kota Banjarmasin. Jumlah sampel yang digunakan dalam penelitian ini adalah sebanyak 50 UMKM yang berada di pesisir sungai Martapura di Kota Banjarmasin.
Hasil analisis risiko terdapat risiko permodalan, dan risiko likuiditas termasuk dalam kategori Unacceptable (merah) yaitu perlakuan risiko keuangan harus segera dilakukan walaupun biaya mahal karena menyangkut kelangsungan perusahaan sehinga risiko permodalan dan risiko likuiditas menjadi fokus utama dan juga dikarenakan risiko keuangan tersebut berdampak besar pada UMKM. Risiko pasar dan risiko kredit masuk dalam kategori Unacceptable (merah) maka perlakuan risiko perlu dilakukan agar risiko keuangan tersebut menjadi minimal.
Kata Kunci : Manajemen Risiko Keuangan, Analisis SWOT, UMKM
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