Tujuan penelitian ini untuk menganalisis model pembiayaan yang sesuai dengan harapan pelaku UMKM melalui peran Lembaga Keuangan Mikro (LKM). Metode penelitian menggunakan mix methods dengan jenis deskriptif-eksploratif. Populasi 150 UMKM di Kota Bandung Jawa Barat, dengan 52 sampel yang telah mendapat pembiayaan melalui LKM dan telah beroperasi minimal 3 tahun. Analisis data menggunakan analisis deskriptif, analisis SWOT, IFAS dan EFAS.Hasil penelitian menunjukkan model pembiayaan belum sepenuhnya sesuai harapan pelaku UMKM, diantaranya prosedur pembiayaan dipersepsikan  rumit dan bunga masih tinggi, sehingga pelaku UMKM masih banyak yang mengandalkan modal sendiri dalam membiayai usahanya.  Berdasarkan temuan penelitian, maka model pembiayaan kooperatif dipersepsikan cocok untuk UMKM, dimana LKM  menjadi lebih optimal menjalankan perannya sebagai fasilitator pengelolaan keuangan, manajemen, dan pemasaran dengan melibatkan jaringan usaha dan komunitas. LKM lebih menjangkau UMKM sehingga mudah diakses, prosedur lebih sederhana, dan memberikan tawaran bunga lebih murah melalui pemanfaatan program pemerintah dan lembaga keuangan lain yang terkait.

The purpose of this study is to analyze the effect of innovation on SME business performance, which is motivated by the important role of SMEs in national economic growth should be accompanied by a significant increase in business performance. But in reality SME competitiveness is still low in the global market due to low innovation. This study uses an explanatory quantitative survey method. There are 231,181 SMEs in the manufacturing industry sector in West Java, Indonesia as a population with a sample of 346 respondents. Data collection uses a Likert scale 1-5 questionnaire. Data analysis using SEM. The analysis shows that innovation has a positive and significant effect on business performance. The implication of this research is that the performance of SME businesses can be improved through increased product innovation, process innovation, and distribution innovation.

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The agricultural sector is one of the potential commodities in business at domestic and abroad, local farmers in the West Java area are trying to run the best farming system that is adapted to market needs. Conventional farming systems that require large tracts of land, the availability of farmer labor and the length of time for harvesting are obstacles for local farmers to expand their businesses and increase their production yields. A concept in the agricultural system that is different from conventional agriculture yet can be used by local farmers at this time is hydroponic farming. Hydroponic farming that uses water as a planting medium can be implemented anywhere such as urban areas because it does not require large tracts of land. One of the hydroponic techniques that is currently developing is the NFT or Nutrient Film Technique which can be applied in the highlands and lowlands. This system can provide quality harvests. The NFT system provides added value for farmers by increasing farmers' knowledge about the hydroponic farming system and increasing agricultural commodities produced, through this system the farmers can run their farming business on land that is not extensive in urban areas. The commodities produced are of high quality because they are environmentally friendly, with efficient fertilizer, water and the use of non-pesticide ingredients. In fact, this hydroponic system requires a large enough cost to purchase material, regardless of the greater quantity of harvest and shorter harvest time. Increasing the quality and quantity of agricultural products encourage local farmers to run a hydroponic system in meeting market needs so that they have high economic value and can improve the welfare of local farmers.

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