Keterbatasan Modal dan keberlangsungan UMKM Kuliner: (Studi Kasus Usaha Perseorangan di Kabupaten Kolaka)

Yeni Haerani; Ana Ana; Thisyah Sadika Ramadhani Anwar; Dwi Reski Alifia Zumrach; Adel Zainuddin; Joko Prianto; Fatma Kitabi; Ilham Ilham; Muh. Saipul; Abel Aprianti; Apriani Apriani

doi:10.55606/birokrasi.v4i1.2584

Authors

Yeni Haerani Universitas Sembilanbelas November Kolaka
Ana Ana Universitas Sembilanbelas November Kolaka
Thisyah Sadika Ramadhani Anwar Universitas Sembilanbelas November Kolaka
Dwi Reski Alifia Zumrach Universitas Sembilanbelas November Kolaka
Adel Zainuddin Universitas Sembilanbelas November Kolaka
Joko Prianto Universitas Sembilanbelas November Kolaka
Fatma Kitabi Universitas Sembilanbelas November Kolaka
Ilham Ilham Universitas Sembilanbelas November Kolaka
Muh. Saipul Universitas Sembilanbelas November Kolaka
Abel Aprianti Universitas Sembilanbelas November Kolaka
Apriani Apriani Universitas Sembilanbelas November Kolaka

DOI:

https://doi.org/10.55606/birokrasi.v4i1.2584

Keywords:

Business Sustainability, Case Study, Culinary MSMEs, Kolaka Regency, Limited Capital

Abstract

Culinary MSMEs play a crucial role in supporting the regional economy, including in Kolaka Regency, Southeast Sulawesi. However, sole proprietorships in this sector still face significant challenges, particularly related to limited access to capital. This study aims to explore the relationship between limited capital and the sustainability of sole proprietorships in the culinary sector in Kolaka Regency, considering influencing factors such as family support, local government policies, and local market dynamics. This study employed a qualitative approach with a case study method. Data were obtained through in-depth interviews, field observations, and documentation. Informants were purposively selected from sole proprietorships in the culinary sector who had been operating their businesses for at least two years. The results show that limited capital is not only a simple financial barrier but also directly impacts the business's ability to innovate, maintain product quality, expand market reach, and survive competition. Most entrepreneurs rely on personal capital and informal loans from family, while access to formal financial institutions remains very limited due to complicated administrative procedures and low financial literacy. Business sustainability is heavily influenced by personal adaptation strategies, community support, and the gradual building of customer trust. This study recommends strengthening financial literacy, simplifying credit access procedures, and enhancing local government involvement in building a more environmentally friendly business ecosystem for local culinary MSMEs.

References

Aidil, A., & Vici, A. (2026). Tinjauan Yuridis Pemberian Upah di Bawah Minimum Provinsi Kepada Pekerja Pada Sektor UMKM Di Indonesia. 4(5), 3782–3790.

Ayem, S., Listyawati, R., Hernindya, N. R., Darmawan, R., & Febrian, W. (2024). Systematic Literature Review Keberlangsungan Usaha Dalam UMKM : Tinjauan Sistematis. Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan, 20(1), 43–46. https://doi.org/https://doi.org/10.30640/ekonomika45.v12i1.3489

Ayyagari, M., Asli, D.-K., & Vojislav, M. (2006). Small and medium-size enterprises: Access to finance as a growth constraint. Journal of Banking & Finance, 30(11), 2931–2938. https://doi.org/10.1016/j.jbankfin.2006.05.009

B, M. M., A.M, H., & Saldana, J. (2014). Qualitative Data Analysis: A Methods Sourcebook 3rd edition. SAGE Publications.

BeckThorsten, Asli, D.-K., & Singer, D. (2013). Is Small Beautiful? Financial Structure, Size and Access to Finance. World Development, 52, 19–33. https://doi.org/10.1016/j.worlddev.2013.05.014

Center, K. I. (2018). Persen Kontribusi PDB Ekonomi Kreatif Menurut Subsektor (2016). Databoks Katadata. https://databoks.katadata.co.id/ekonomi-makro/statistik/0196de4d2abcb4e/kuliner-penyumbang-pdb-ekonomi-kreatif-terbesar

Creswell, J. W., & Poth, C. N. (2018). Qualitative Inquiry and Research Design: Choosing Among Five Approaches (4th Edition). SAGE Publications.

Dalton, P. S., Ghosal, S., & Mani, A. (2016). POVERTY AND ASPIRATIONS FAILURE. The Economic Journal, 126(590), 165–172. https://doi.org/10.1111/ecoj.12210

Du, J., & Nguyen, B. (2022). Cognitive Financial Constraints and Firm Growth. Small Business Economics, 58(4), 2109–2137. https://doi.org/https://doi.org/10.1007/s11187-021-00503-

Heni, H., Sijabat, Y. P., & Giovanni, A. (2021). Financial Literacy , Risk Tolerance , and Financial Management of Micro-enterprises Actors. Society, 9(1), 174–186. https://doi.org/10.33019/society.v9i1.277

Ilhamsyah, M. Z., Firdaus, R., & Rasidi, M. (2025). Etika Bisnis dan Keberlanjutan Usaha: Studi pada UMKM Kuliner di Kabupaten Probolinggo. RIGGS, 4(2), 6493–6503. https://doi.org/https://doi.org/10.31004/riggs.v4i2.1671

Lukiyanto, K., & Wijayaningtyas, M. (2020). Gotong Royong as social capital to overcome micro and small enterprises’ capital difficulties. 6(9), 1–6. https://doi.org/10.1016/j.heliyon.2020.e04879

M, G. V., Muhammad, M., Duko, F., Hadi, A., Khairun, U., Ekonomi, F., & Pembangunan, E. (2024). Pengembangan Produksi UMKM Kudapan Kenari Dalam Meningkatkan Pendapatan Pengusaha Di Desa Mateketen Kecamatan Makian Barat Kabupaten Halmahera Selatan. 4(1), 1148–1159.

Malyana, Muh, I., & Nurhayati. (2025). Pengaruh Harga, Fasilitas, dan Emosional terhadap Kepuasan Pelanggan (Studi Pelanggan pada Kafe The Scoop Kolaka). Urnal Ekonomi Bisnis Syariah, 8(1), 1–5. https://doi.org/10.33772/etnoreflika.v8i3.815

Marisa, P. B., Murwani, M. A., & Zuwina, M. (2022). Resource-based view strategy as a determinant of business performance moderated by market orientation in MSMEs culinary sector in Medan city. Manajemen Dan Bisnis, 21(1), 48–60. https://doi.org/https://doi.org/10.24123/jmb.v21i1.570

Modigliani, F., & Miller, M. H. (2020). The American economic. The Cost of Capital, Corporation Finance and the Theory of Investment, 48(3), 261–297. https://doi.org/https://www.jstor.org/stable/1809766

Ramadani, S., Ramadhani, D. A., Ikrom, M., & Muda, L. (2025). Peran Strategis UMKM dalam Mendorong Pertumbuhan Ekonomi Berkelanjutan di Indonesia.

Reto Wernli, & Andreas, D. (2022). Only the brave: improving self-rationing efficiency among discouraged Swiss SMEs. Small Business Economics, 59, 977–1003. https://doi.org/. https://doi.org/10.1007/s11187-021-00546-w

Rosa, Y. Del, & Idwar, I. (2021). Strategi Bertahan UMKM Kuliner Kota Padang Saat Pandemi Global Covid 19. Ekonomi Dan Bisnis Dharma Andalas, 23(2), 378–382. https://doi.org/https://doi.org/10.47233/jebd.v23i2.267

Suryani, L., Nengsih, T. A., & Fusfita, N. (2023). Pengaruh Karakteristik Wirausaha Dan Modal Usaha Terhadap Perkembangan Gerai UMKM Di Desa Purwodadi Kecamatan Tebing Tinggi Kabupaten Tanjung Jabung Barat,. RISET MANAJEMEN DAN EKONOMI (JRIME), 1(1), 107–125. https://doi.org/10.54066/jrime-itb.v1i1.92

Tambunan, T. T. H. (2021a). Indonesian MSMEs and their access to financing. 10(1), 41–51.

Tambunan, T. T. H. (2021b). UMKM Di Indonesia Perkembangan, Kendala, dan Tantangan.

Umiyati, E., Amir, A., & Haryadi, Z. (2019). Determinant ofmicro, small and medium enterprises on carrying out a credit loanin Jambi Province. Perspektif Pembiayaan Dan Pembangunan Daerah, 6(6), 679–685. https://doi.org/10.22437/ppd.v6i6.6913

Wardhani, A. E. (2020). Pencatatan Transaksi pada Usaha Keluarga Skala Kecil dengan Pendekatan Socioemotional Wealth. Nternational Journal of Social Science and Business, 4(2), 253–258. https://doi.org/10.23887/ijssb.v4i2.25892

Warih, N. N., Ida, A., & Rochmi, W. (2019). ANALISIS LITERASI KEUANGAN, PERSYARATAN PEMBIAYAAN DAN KEBERLANGSUNGAN USAHA TERHADAP KEMUDAHAN AKSES PEMBIAYAAN FORMAL PADA UMKM. ILMIAH EDUNOMIKA, 3(2). https://doi.org/https://doi.org/10.29040/jie.v3i02.663

Yasuo, G., & Scott, W. (2019). Unfinished Business: Zombie Firms among SME in Japan’s Lost Decades. Japan and the World, 49, 105–112. https://doi.org/10.1016/j.japwor.2018.09.007