Identifikasi Model-model Pembiayaan UMKM oleh Lembaga Keuangan Mikro: Studi Kasus di Salatiga

Proceeding Call for Paper "Enhancing Indonesia's Competitive Advantage in the Global Economy", Fakultas Ekonomika dan Bisnis UKSW, 13 Desember 2011, p. 223-242With the development of micro, small, and medium business (UMKM) sector can not be separated from the role of microfinance institutions, because the development of UMKM is largely determined by the presence of microfinance institutions which offer microfinance institutions financing patterns through various credit schemes, both within the body itself and between microfinance institutions. The diversity of funding models that offer microfinance institutions reflected in the diversity of UMKM themselves. Financing model of pluralism, then UMKM would ideally choose the type of financing to fit their needs. Using interview techniques in 13 microfinance institutions in the municipality of Salatiga, with considering the role of UMKM in the economy, this research will try to see the model of UMKM financing by microfinance institutions that will bring the benefits of each for microfinance institutions then the data is matched with the pattern can be seen UMKM so financing model name in accordance with the criteria of micro, small and medium businesse