Main Article Content
Abstract
Penelitian ini bertujuan untuk mengeksplorasi penerapan manajemen risiko keuangan (MRK) pada startup di berbagai sektor, seperti teknologi, manufaktur, ritel, dan layanan, serta menganalisis pengaruh kondisi ekonomi dan regulasi lokal terhadap strategi yang diterapkan. Penelitian ini menggunakan pendekatan kualitatif dengan metode Systematic Literature Review (SLR). Berbagai studi literatur relevan dikumpulkan dan dianalisis untuk mengidentifikasi pola umum, praktik terbaik, serta hambatan dan tantangan yang dihadapi oleh startup dalam implementasi MRK. Hasil penelitian menunjukkan bahwa setiap sektor memiliki pendekatan MRK yang bervariasi sesuai dengan karakteristik unik dan risiko yang dihadapi. Penggunaan teknologi seperti AI dan analitik data real-time merupakan pola umum, tetapi penerapannya bergantung pada akses modal dan sumber daya. Startup di negara berkembang sering kali menggunakan solusi alternatif karena keterbatasan modal dan akses teknologi, sedangkan di negara maju regulasi dan infrastruktur mendukung penerapan strategi yang lebih komprehensif. Penelitian ini menyoroti pentingnya adopsi teknologi secara bertahap serta peningkatan keterampilan manajerial dan keuangan di kalangan pengelola startup. Selain itu, penelitian ini memberikan panduan praktis bagi pembuat kebijakan untuk mendukung regulasi dan infrastruktur yang kondusif bagi penerapan MRK yang efektif.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
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References
Al Remeithi, A. A., & Ahmad, S. Z. (2020). The Crown Prince Court’s Training and Career Development section: managing training for its employees. Emerald Emerging Markets Case Studies, 10(1), 1–16. https://doi.org/10.1108/EEMCS-08-2019-0213
Albar, M. K., Dwinalida, K., & Yuliana, Y. (2023). Modeling of a Business Incubator Program for Islamic Youth Organizations for the Development of Superior Rural Products. Kontigensi: Jurnal Ilmiah Manajemen, 11(2), 777–785. https://doi.org/10.56457/jimk.v11i2.476
Aldianto, L., Anggadwita, G., Permatasari, A., Mirzanti, I. R., & Williamson, I. O. (2021). Toward a business resilience framework for startups. Sustainability, 13(6), 3132. https://doi.org/10.3390/su13063132
Asrofillah, M. F., & Widodo, T. (2023). PENGARUH STRUKTUR MODAL DAN PERTUMBUHAN PERUSAHAAN TERHADAP KINERJA KEUANGAN DAN KINERJA SAHAM PERUSAHAAN START-UP. 11th Applied Business and Engineering Conference, September, 36–43. https://abecindonesia.org/proceeding/index.php/abec/article/view/405/380
Ayusningtyas, A. F., Yendra, Y., & Marihi, L. O. (2024). Analysis of Bank Health Levels Using the Camel Method at BUMN Commercial Banks Listed. Advances in Management & Financial Reporting, 2(3), 135–148. https://doi.org/10.60079/amfr.v2i3.256
Bielialov, T. (2022). Risk Management of Startups of Innovative Products. Journal of Risk and Financial Management, 15(5). https://doi.org/10.3390/jrfm15050202
Brown, J. R., Martinsson, G., & Petersen, B. C. (2012). Do financing constraints matter for R&D? European Economic Review, 56(8), 1512–1529. https://doi.org/https://doi.org/10.1016/j.euroecorev.2012.07.007
Calvin, A. V. (2021). Pengelolaan Bisnis Start-Up Bidang Jasa didasarkan Kapabilitas Sumber Daya Manusia yang Unggul di dalam Dunia Digital. Jurnal Indonesia Sosial Sains, 2(05), 695–711. https://doi.org/10.59141/jiss.v2i05.296
Chen, Y., kumara, E. K., & Sivakumar, V. (2023). RETRACTED ARTICLE: Investigation of finance industry on risk awareness model and digital economic growth. Annals of Operations Research, 326(1), 15. https://doi.org/10.1007/s10479-021-04287-7
Edison, H., Smørsgård, N. M., Wang, X., & Abrahamsson, P. (2018). Lean Internal Startups for Software Product Innovation in Large Companies: Enablers and Inhibitors. Journal of Systems and Software, 135, 69–87. https://doi.org/https://doi.org/10.1016/j.jss.2017.09.034
Erdogan, E., & Koohborfardhaghighi, S. (2019). Delivering a Systematic Framework for the Selection and Evaluation of Startups BT - Economics of Grids, Clouds, Systems, and Services (M. Coppola, E. Carlini, D. D’Agostino, J. Altmann, & J. Á. Bañares (eds.); pp. 151–159). Springer International Publishing.
Firmansyah, A., Andriyani, A. F., Mahrus, M. L., Febrian, W., & Jad, P. H. (2021). Biaya modal perusahaan di Indonesia: tanggung jawab sosial dan tata kelola perusahaan. Jurnal Ekonomi, 26(3), 371–388.
Fossen, F. M., & Sorgner, A. (2021). Digitalization of work and entry into entrepreneurship. Journal of Business Research, 125, 548–563. https://doi.org/https://doi.org/10.1016/j.jbusres.2019.09.019
Galvão, A., Marques, C., & Ferreira, J. J. (2020). The role of entrepreneurship education and training programmes in advancing entrepreneurial skills and new ventures. European Journal of Training and Development, 44(6/7), 595–614. https://doi.org/10.1108/EJTD-10-2019-0174
Gupta, S. (2016). Real-Time Big Data Analytics.
Harto, B., Rukmana, A. Y., Boari, Y., Rusliyadi, M., Aldo, D., Juliawati, P., & Dewi, Y. A. (2023). WIRAUSAHA BIDANG TEKNOLOGI INFORMASI: Peluang usaha dalam meyongsong era society 5.0. PT. Sonpedia Publishing Indonesia.
Haryanto, J. T. (2024). Short-Term Versus Long-Term Portfolio Management Strategies and the Selection of Securities. Advances in Management & Financial Reporting, 2(1), 11–23. https://doi.org/10.60079/amfr.v2i1.247
Hermawan, A. (2021). Analisis Strategi dan Model Bisnis Start-Up untuk Mendorong Pertumbuhan Bisnis Start-Up di Tasikmalaya. Strategic: Jurnal Pendidikan Manajemen Bisnis, 21(1), 23–30.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Insights, C. B. (2021). The Top 12 Reasons Start-ups Fail. CB Insights.
Ismail, A., Herbenita, H., Desliniati, N., & Andriyati, Y. (2024). Mengenal Investasi di Pasar Modal: Melalui Sekolah Pasar Modal Bursa Efek Indonesia. Asadel Liamsindo Teknologi.
Jappelli, T., & Padula, M. (2013). Investment in financial literacy and saving decisions. Journal of Banking & Finance, 37(8), 2779–2792. https://doi.org/https://doi.org/10.1016/j.jbankfin.2013.03.019
Judijanto, L., Karmagatri, M., Lutfi, M., Sepriano, S., Pipin, S. J., Erwin, E., Indrayani, N., Nugraha, U., & Lukmana, H. H. (2024). Pengembangan Startup Digital: Referensi Sukses Memulai Bisnis Startup Digital Era Industri 4.0 dan Society 5.0. PT. Green Pustaka Indonesia.
Khuan, H., Maulana, Y. S., Triwijayati, A., Rengganawati, H., & Arifin, Z. (2023). Adaptation and innovation strategies in facing business challenges: A case study in the digital industry. The Es Economics and Entrepreneurship, 2(01), 36–42. https://doi.org/10.58812/esee.v2i01.126
Kotler, P., Keller, K. L., Brady, M., Goodman, M., & Hansen, T. (2016). Marketing Management 3rd edn PDF eBook. Pearson Higher Ed.
Krishnan (Retd.), C. S. N., Ganesh, L. S., & Rajendran, C. (2022). Management accounting tools for failure prevention and risk management in the context of Indian innovative start-ups: a contingency theory approach. Journal of Indian Business Research, 14(1), 23–48. https://doi.org/10.1108/JIBR-02-2021-0060
Leisen, R., Steffen, B., & Weber, C. (2019). Regulatory risk and the resilience of new sustainable business models in the energy sector. Journal of Cleaner Production, 219, 865–878. https://doi.org/https://doi.org/10.1016/j.jclepro.2019.01.330
Mcconnell, P. (2022). The strategic risks facing start-ups in the financial sector. Journal of Risk Management in Financial Institutions, 15(2), 114–141. https://econpapers.repec.org/RePEc:aza:rmfi00:y:2022:v:15:i:2:p:114-141
Mendrofa, S. A., Santoso, A., Buulolo, N. A., Hasanuddin, R., Duha, T., Rozak, A., Amrulloh, A., Farlina, W., Tasman, A., & Fitra, H. (2024). Manajemen Keuangan Era Digital. MEGA PRESS NUSANTARA.
Muttaqiin, N., Agustina, H., & Khusnah, H. (2018). PERENCANAAN KEUANGAN PRIBADI UNTUK REMAJA. 2(1), 17–20. https://doi.org/10.58812/jbmws.v2i02.328
Muttaqin, N. (2023). Analisis Turn Around Perusahaan PT Telkom Indonesia sebagai Respons terhadap Tantangan Bisnis Digital. Universitas Pelita Harapan. https://www.researchgate.net/profile/Nurhanifah-Muttaqin-3/publication/372589401_Analisis_Turn_Around_Perusahaan_PT_Telkom_Indonesia_sebagai_Respons_terhadap_Tantangan_Bisnis_Digital/links/64bf84cb8de7ed28bac0b6f5/Analisis-Turn-Around-Perusahaan-PT-Telkom-Indonesia-sebagai-Respons-terhadap-Tantangan-Bisnis-Digital.pdf
Nisa, Y. K., Diana, P., & Fathoni, A. (2020). THE EFFECT OF GOOD CORPORATE GOVERNANCE, CAPITAL STRUCTURE AND APPLICATION OF RISK MANAGEMENT FINANCIAL PERFORMANCE OF THE COMPANY WITH RISK MANAGEMENT AS MODERATING (Case Study of Mining Sub-Sector Companies Listed on IDX Period 2014-2018). Journal of Management, 6(1). http://jurnal.unpand.ac.id/index.php/MS/article/view/1528
Novanda, R. R. (2022). Initiation of the establishment of a technology business incubator at university for agripreneurship (study case at Bengkulu University, Indonesia). Journal of Innovations and Sustainability, 6(2), 1–12. https://www.ceeol.com/search/article-detail?id=1161919
Padli, A., Khairunnisa, N., Khanza, A., Andayani, D., & Halim, E. (2023). Strategi Pengembangan Startup Teknologi di Indonesia Melalui IT Business Incubation. Jurnal MENTARI: Manajemen, Pendidikan Dan Teknologi Informasi, 3(1 SE-Articles), 73–80. https://doi.org/10.33050/mentari.v3i1.621
Permata, I. (2023). Insights into Effective Corporate Financial Management Practices and Their Implications. Advances in Management & Financial Reporting, 1(3), 129–144. https://doi.org/10.60079/amfr.v1i3.194
Prakoso, T., & Apriliani, R. (2024). Strategi Manajemen Keuangan untuk Bisnis Startup. Bulletin of Community Engagement, 4(2), 514–524.
Purwanti, D. (2023). The Strategic Imperative of Treasury and Financial Risk Management in a Volatile Economic Landscape. Advances in Management & Financial Reporting, 1(3), 119–128. https://doi.org/10.60079/amfr.v1i3.224
Rahman, A. A. (2023). PERENCANAAN STRATEGIS PADA PERUSAHAAN DIGITAL RINTISAN (STARTUP): STUDI KASUS SIBER TEKNOLOGI INDONESIA. Jurnal Ekonomika Dan Manajemen, 12(2), 133–148. https://doi.org/10.36080/jem.v12i2.2591
Roberto, C., Silva, J., Cezar, J., Siluk, M., & Luis, A. (2023). Mapping Risks Faced by Startup Investors : An Approach Based on the Apriori Algorithm. 1–19. https://doi.org/10.3390/risks11100177
Silva, D. S., Ghezzi, A., Aguiar, R. B. de, Cortimiglia, M. N., & ten Caten, C. S. (2021). Lean startup for opportunity exploitation: adoption constraints and strategies in technology new ventures. International Journal of Entrepreneurial Behavior & Research, 27(4), 944–969. https://doi.org/10.1108/IJEBR-01-2020-0030
Silva, E., Beirão, G., & Torres, A. (2023). How startups and entrepreneurs survived in times of pandemic crisis: Implications and challenges for managing uncertainty. Journal of Small Business Strategy, 33(1), 84–97. https://doi.org/10.53703/001c.72084
Sugianto, S., Hasriani, H., & Noor, R. M. (2024). Innovations in Risk Measurement and Management for Strategic Financing Decisions. Advances in Management & Financial Reporting, 2(2), 59–71. https://doi.org/10.60079/amfr.v2i2.263
Tanev, S., Rasmussen, E. S., Zijdemans, E., Lemminger, R. O. Y., & Svendsen, L. L. (2015). Lean and global technology start-ups: linking the two research streams. International Journal of Innovation Management, 19(03), 1540008. https://doi.org/10.1142/S1363919615400083
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