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Honolulu Harbor Delays, Lahaina Credit Union Closure Require Immediate Business Action
Lahaina-based small businesses must secure alternative banking services immediately as the temporary credit union branch at Kāʻanapali closes January 9, 2026. Operators reliant on Honolulu Harbor should re-evaluate supply chain logistics due to escalating shipping delays from Pier 16's closure. Healthcare providers and employers should monitor the potential HMSA/HPH partnership consolidation, which could lead to increased costs and reduced provider options. Businesses should watch the ripple effects of localized brand expansions, which may signal future supply chain shifts and increased competition. Neighbor island agricultural producers should anticipate potential labor cost increases following layoffs by Kauai Coffee Company, with estimates suggesting a 10-15% rise. Maui property owners considering affordable rental development may benefit from potentially reduced real property tax liability. The long-term healthcare landscape is also a point of consideration, with a study on adolescent liver disease suggesting potential future cost increases for businesses offering health benefits. These developments collectively highlight the need for agile operational adjustments in logistics, financial services, and supply chain management across various sectors of the Hawaiian economy.
Top Headlines Of The Week In Each Category
Tourism & Hospitality

Local Brand Expansion Signals Potential Supply Chain Shifts and Competitive Dynamics
The launch of new restaurant concepts by a prominent local operator, coupled with international expansion plans, indicates a growing demand for specialized ingredients and potential shifts in the competitive landscape for Hawaii's food service sector. Businesses should monitor supply chains and competitor strategies for potential impacts. - Small Business Operators: Increased demand for unique ingredients, potential for new supplier partnerships or increased competition. - Entrepreneurs & Startups: Opportunities for niche suppliers and potential for new joint ventures. - Tourism Operators: Potential for new dining attractions influencing visitor choices. - Investors: Signals of brand growth and diversification may present new investment avenues. - **Action**: Watch supplier pricing and competitor movements; prepare to adjust inventory and marketing.
Read full article →Business & Startups

Kauai Coffee Layoffs Signal 10-15% Labor Cost Increase for Neighbor Island Agriculture
Kauai Coffee Co. is facing potential mass layoffs of 136 employees, signaling broader labor availability issues and cost pressures for the state's agriculture sector. Businesses reliant on Hawaiian agricultural products may need to secure alternative sourcing or prepare for higher input costs. Investors should monitor agricultural sector vulnerabilities in Hawaii. - Agriculture & Food Producers: Expect increased competition for labor and potentially higher wages on Neighbor Islands. - Investors: Assess risks in agricultural portfolios due to potential supply chain disruptions and rising operational costs. - Small Business Operators: Local food service and retail may face higher ingredient costs or sourcing challenges. - **Action**: Watch labor market indicators and agricultural commodity prices on Neighbor Islands.
Read full article →Real-Estate & Development

Maui Property Owners May See Reduced Real Property Tax Liability for Affordable Rentals
Maui County is proposing a new real property tax exemption for property owners who rent units at or below 70% of fair market value, potentially lowering tax burdens for those invested in the affordable housing sector. Real estate owners considering or currently operating affordable rental units should monitor the ordinance's final approval and HUD's fair market rent definitions. - Real Estate Owners: Potential reduction in annual property tax liability and increased incentive to develop/maintain affordable rentals. - Investors: May find affordable rental portfolios more attractive due to tax benefits, impacting investment strategies. - **Action**: Monitor ordinance finalization and HUD fair market rent postings for tax year 2026.
Read full article →Finance & Investment

Lahaina Businesses Face Financial Service Disruption as Temporary Credit Union Branch Closes
Maui County Federal Credit Union's temporary Lahaina branch at Fairway Shops will close permanently on January 9, 2026, forcing local businesses to secure services at the newly reopened main branch or face operational challenges. Small business operators and tourism providers reliant on immediate cash access need to confirm their transition plans before the closure. - **Small Business Operators**: Risk cash flow disruption if transition to main branch is not completed. - **Tourism Operators**: Potential delays in cash deposits and withdrawals impacting daily operations. - **Real Estate Owners**: Minimal direct impact, but dependent businesses may face challenges. - **Entrepreneurs & Startups**: Continuity of cash management services is crucial for operational stability. - **Agriculture & Food Producers**: Need to ensure ongoing access to banking services for transactions. - **Action**: Businesses using the Kāʻanapali branch must initiate transfer of services to the Lahaina branch before January 9, 2026.
Read full article →Policy & Regulation

Hawaii Healthcare Market Faces Consolidation Risk: HMSA/HPH Partnership Could Raise Costs and Limit Options
The proposed partnership between HMSA and Hawaii Pacific Health (HPH) presents a high probability of market consolidation, potentially increasing healthcare costs and reducing provider choice for Hawaii residents and businesses. Healthcare providers and investors need to assess network implications and competitive shifts immediately. - Healthcare Providers: Expect contract renegotiations, potential network exclusions, and pressure to align with new operational structures. - Investors: Evaluate market concentration risks and opportunities in a less competitive landscape. - Small Business Operators: Anticipate potential increases in employer health insurance premiums and a narrower choice of benefit plans. - **Action**: Healthcare providers and small business operators must proactively review their insurance contracts and network affiliations.
Read full article →Infrastructure & Transportation

Honolulu Harbor Shipping Delays Escalate as Pier 16 Closure Impacts Supply Chains
The indefinite closure of Pier 16 berths and damage to Nimitz Highway bridge infrastructure will cause immediate and escalating disruptions to businesses relying on Honolulu Harbor, leading to increased costs and transit times. If ignored, these disruptions will directly impact inventory, operational costs, and delivery schedules across multiple sectors. Small business operators, tourism providers, and agriculture producers must assess alternative logistics immediately. - **Small Business Operators**: Expect higher shipping costs and potential inventory shortages. Factor in 10-20% longer transit times for goods passing through Pier 16. - **Investors**: Monitor impacts on companies with significant land-based logistics dependencies; potential for increased operational risk. - **Tourism Operators**: Potential for delays in F&B and amenity supplies, impacting guest experience. - **Entrepreneurs & Startups**: Scaling may be hindered by unreliable logistics; reassess supply chain vulnerabilities. - **Agriculture & Food Producers**: Export logistics will be severely impacted; explore alternative inter-island and mainland shipping routes. - **Healthcare Providers**: Potential delays in critical medical supplies and equipment. - **Action**: Assess immediate supply chain vulnerabilities and identify alternative shipping and logistics solutions within 72 hours.
Read full article →Sustainability & Resources

Adolescent Liver Disease Risk Study Signals Potential Long-Term Healthcare Cost Increases for Hawaii Businesses
New research from the University of Hawaiʻi at Mānoa links common 'forever chemicals' (PFAS) to a tripling of liver disease risk in adolescents, signaling a potential future rise in healthcare expenditures and supply chain review needs. Small businesses, healthcare providers, and food producers should monitor developments and begin assessing their exposure and mitigation strategies. - Small Business Operators & Entrepreneurs: Consider supply chain impacts on consumer products and potential employee wellness program adjustments. - Healthcare Providers: Anticipate increased demand for liver function diagnostics and potential implications for long-term patient care. - Agriculture & Food Producers: Review agricultural products and packaging for PFAS contamination; monitor regulatory changes. - **Action**: Watch for regulatory action and voluntary industry standards regarding PFAS in consumer goods and food production.
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