Ketidakpastian Pengambilan Keputusan Keuangan dan Kegagalan Adopsi Teknologi pada UMKM dengan Keterbatasan Sumber Daya
Abstract
Hilirisasi teknologi pada Usaha Mikro, Kecil, dan Menengah (UMKM) sering kali tidak berlanjut hingga tahap adopsi industri, meskipun teknologi yang ditawarkan telah menunjukkan kinerja teknis yang memadai. Penelitian ini bertujuan untuk mengkaji faktor non-teknis yang memengaruhi kegagalan adopsi teknologi pada UMKM dengan keterbatasan sumber daya. Menggunakan pendekatan kualitatif eksploratif, data dikumpulkan melalui wawancara mendalam dengan pelaku UMKM sektor pengolahan pangan berbasis sumber daya lokal. Hasil penelitian menunjukkan bahwa ketidakpastian dalam pengambilan keputusan keuangan, persepsi risiko finansial, serta keterbatasan kemampuan pelaku usaha dalam menilai kelayakan ekonomi inovasi merupakan faktor utama yang menghambat adopsi teknologi. Teknologi yang unggul secara teknis berpotensi tidak diadopsi apabila nilai tambah, struktur biaya, dan implikasi finansialnya tidak disajikan dalam bentuk yang mudah dipahami oleh pelaku UMKM. Temuan ini menegaskan pentingnya integrasi evaluasi kelayakan ekonomi dan kerangka pendukung pengambilan keputusan bisnis dalam perancangan program hilirisasi teknologi agar selaras dengan karakteristik dan kapasitas UMKM.
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