PERAN MANAJEMEN RISIKO STRATEGIS DALAM MENDORONG INOVASI DAN ADAPTASI MODEL BISNIS UMKM SELAMA KRISIS EKONOMI
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Abstract
Tujuan penelitian ini adalah untuk meneliti bagaimana manajemen risiko strategis dapat mempengaruhi inovasi dan adaptasi model bisnis di UMKM selama krisis ekonomi. Krisis ekonomi sulit bagi UMKM karena sumber daya terbatas, membuat sulit bagi mereka untuk beradaptasi dengan perubahan pasar dan ancaman eksternal. Dalam penelitian ini, kita meneliti literatur tentang manajemen risiko strategis, inovasi, dan adaptasi model bisnis pada UMKM dengan menggunakan pendekatan analisis sistematis. Studi menunjukkan bahwa saat UMKM menerapkan manajemen risiko strategis, mereka dapat lebih baik mengenali peluang dan risiko. Hal ini mendorong terjadi inovasi dalam produk dan proses, serta memungkinkan adaptasi melalui diversifikasi pasar dan penggunaan saluran distribusi digital. Teknologi digital membantu UMKM memantau perubahan lingkungan secara real-time, sehingga mereka dapat merespons risiko dengan lebih cepat. Tambahan lagi, kebijakan pemerintah seperti insentif uang dan pelatihan digital membantu UMKM bertahan selama krisis. Studi ini menunjukkan bahwa manajemen risiko strategis dengan dukungan inovasi, adaptasi, dan kebijakan pemerintah dapat meningkatkan ketahanan dan fleksibilitas UMKM saat menghadapi krisis ekonomi.
Kata kunci: manajemen risiko strategis, inovasi, adaptasi model bisnis, UMKM, krisis ekonomi.
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