Management and Business Sustainability Strategies for Prepaid Airtime Retail MSMEs in Maumere
Article Sidebar
Main Article Content
Abstract
This research investigates management and sustainability strategies of credit counter MSMEs in Maumere, Sikka Regency, amid digital disruption. Utilizing a qualitative descriptive method with a case study approach, data were gathered through triangulation involving in-depth interviews, observation, and documentation. Findings indicate that sustainability is integratively driven by human capital, specifically the owner's technical informatics background, which facilitates specialized repair services and operational efficiency. Furthermore, implementing the SERVQUAL model fosters customer loyalty, while strategic location selection optimizes daily market demand. Risk management is executed through income diversification, including hardware repairs and accessory sales, providing financial resilience against market fluctuations. These micro-level strategies significantly contribute to regional economic stability, particularly as stabilizers for Sikka's Gross Regional Domestic Product (GRDP). However, structural challenges regarding formalization via the OSS-RBA system and digital literacy persist. Consequently, synergy between human capital investment and technological adaptation remains vital for MSME resilience in the Society 5.0 era.
Downloads
Article Details
Section
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
How to Cite
References
Affa, Ahmad Syaiful, Anggrainy Putri Ayuningrum, Didha Putri Citradika, Didha Putri Citradika, Rika Adriyana, Dina Amalia Mahmudah, and Dewi Yuniar Magettana. “Resilience of Indonesian SMEs: A Systematic Review and Agenda for Future Research.” The International Conference on Sustainable Economics Management and Accounting Proceeding 1 (August 13, 2025): 3425–39. https://doi.org/10.32424/icsema.1.1.286.
Ardiyanto, Bukhori Andri, and Ahmad Saifudin Mutaqi. “Membangun Entrepreneurship Pada Era New Normal Ketika Pandemi Covid-19.” JURAL RISET RUMPUN ILMU TEKNIK 2, no. 1 (February 26, 2023): 137–44. https://doi.org/10.55606/jurritek.v2i1.919.
Badan Pusat Statistik Kabupaten Sikka. “Ekonomi Kabupaten Sikka Triwulan I-2025 Kontraksi 2,83 Persen (q-to-Q).” Kabupaten Sikka, 2025. https://sikkakab.bps.go.id/id/pressrelease/2025/10/15/190/ekonomi-kabupaten-sikka-triwulan-i-2025-kontraksi-2-83-persen--q-to-q--.html.
Basmar, Edwin, Hasdiana S, Carl M. Campbell III, and Erlin Basmar. “Perilaku Kredit Perbankan Dalam Gelombang Siklus Keuangan Selama Pandemi Covid-19 Di Indonesia.” POINT: Jurnal Ekonomi Dan Manajemen 4, no. 1 (June 27, 2022): 67–80. https://doi.org/10.46918/point.v4i1.1400.
Chowdhury, Soumyadeb, Pawan Budhwar, and Geoffrey Wood. “Generative Artificial Intelligence in Business: Towards a Strategic Human Resource Management Framework.” British Journal of Management 35, no. 4 (October 11, 2024): 1680–91. https://doi.org/10.1111/1467-8551.12824.
Gardaflores. “Inflasi Di Maumere Naik 1,82 Persen Pada November 2024.” Gardaflores, 2024. https://gardaflores.com/gardaplus/infografis/inflasi-di-maumere-naik-182-persen-pada-november-2024/.
INDEF. “Peran Platform Digital Terhadap Pengembangan Umkm Di Indonesia,” 2024. https://indef.or.id/wp-content/uploads/2024/01/Laporan-Final-Peran-Platform-Digital-Terhadap-Pengembangan-UMKM-di-Indonesia-INDEF.pdf.
Indra Santoso, Septy, Meliana Meliana, Rinto Syahdan, Gisela S. Debeturu, Salwa Shobiha Buamona, Widyawati Muhlis, Chantika Alya Ruumbia, et al. “The Impact of Business Risk Management on MSMEs (A Study on MSMEs within the Faculty of Economics and Business, Khairun University).” Journal of Marketing Management and Innovative Business Review 3, no. 2 (December 9, 2025): 138–45. https://doi.org/10.63416/mrb.v3i2.418.
Miles, Matthew B, and A. Michael Huberman. “Drawing Valid Meaning from Qualitative Data: Toward a Shared Craft.” Educational Researcher 13, no. 5 (May 1, 1984): 20–30. https://doi.org/10.3102/0013189X013005020.
Mustofa, Winanda, and Murni Murni. “Penyederhanaan Perizinan UMKM Sebagai Instrumen Perwujudan Keadilan Sosial Dengan Pendekatan Maslahah Mursalah Dan Undang-Undang Cipta Kerja.” Maliyah : Jurnal Hukum Bisnis Islam 14, no. 2 (December 25, 2024): 213–36. https://doi.org/10.15642/maliyah.2024.14.2.213-236.
Permana, Teguh, Andriani Puspitaningsih, Asri Djauhar, and Surianti Surianti. “Masa Depan Usaha Konter Pulsa Di Era Digital.” MANAJEMEN : Jurnal Ilmiah Manajemen Dan Kewirausahaan 2, no. 2 (October 17, 2022): 92–96. https://doi.org/10.51903/manajemen.v2i2.150.
Pratama, M. Andika Yuda. “Digitalisasi Wakaf Uang Di Indonesia: Potensi, Tantangan, Dan Studi Kasus Platform Digital.” Eco-Iqtishodi Jurnal Ilmiah Ekonomi Dan Keuangan Syariah Volume 7 (2025): 41–53.
Purnama, Sugiharto, and Katriana. “Indonesia Strengthens MSMEs as Backbone of National Economy.” Antara News English, 2023. https://en.antaranews.com/news/380325/indonesia-strengthens-msmes-as-backbone-of-national-economy.
Ratnaningtyas, Heny, Haryo Wicaksono, and Irfal Irfal. “Barriers and Opportunities for MSME Development in Indonesia: Internal and External Perspectives.” International Journal of Multidisciplinary Approach Research and Science 3, no. 01 (January 11, 2025): 163–70. https://doi.org/10.59653/ijmars.v3i01.1337.
Sunarta, Sunarta, Ash Shoffi Hana Fadhilah, and Bagus Pamungkas Wibowo. “The Impact of Product Innovation and Service Quality on Survival Recovery of Msmes: The Mediating Role of Financial Performance.” Salud, Ciencia y Tecnología - Serie de Conferencias 4 (January 1, 2025): 1314. https://doi.org/10.56294/sctconf20251314.