IDENTIFIKASI MODEL PEMBIAYAAN USAHA KECIL DAN MENENGAH OLEH LEMBAGA KEUANGAN MIKRO DI KABUPATEN JEPARA

Abstract

The development of Micro, Small and Medium Enterprises (SMEs) is determined by the
presence of microfinance institutions (MFIs) that offer financing models are diverse. But
on the other hand the diversity of models offered MFI financing has yet to be exploited.
The objectives of the study was to identify the characteristics of business and financing
needs of SMEs, as well as identifying financing models that fit the character of SMEs. The
approach used in this research is descriptive qualitative research through a case study
approach, the informants in this study were employees and managers are authorized to
provide information on financing models. While the research conducted in the district of
Jepara. Based on comparative models and characteristics of SME financing, MFI
cooperative model provides relatively brief filing procedure with a low ceiling making it
suitable for small and micro businesses. As for MFIs BPR models have the advantage in
providing kinds of products are more varied and larger loan limit and interest rates
varied so suitable for this type of small and medium enterprises
Keywods: SMEs, MFIs, financing model.