The presence of SMEs make an important contribution to the national economy. In order to enhance the competitiveness of SMEs, until now, various attempts have been carried out by the Government. One way to increase the growth of SMEs through cluster approach. Cluster development and growth of small and medium enterprises (SMEs) support programs Regional Innovation Cluster. Regional Innovation Systems is an integral part of the National Innovation System. In realizing National Innovation Systems effective and productive, and significantly contribute to national economic growth necessary to strengthen Regional Innovation Systems. The innovation could not go partially, he must be collaboration between the academy, the industry/the business and the government.

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Low access to credit in the agricultural sector is also caused by problems of agricultural sector actors (especially farmers) and financial institutions. Farmers are still having difficulty in accessing credit (accessibility and unbankable) and the limited financial institutions that channel credit to the agricultural sector. Therefore, the government must issue a policy in growing the agricultural sector, especially in anticipation of access credit constraints by farmers. The agricultural sector as a high-risk business, therefore formal institutions are less interested in financing the agricultural sector on the grounds of high transaction costs, asymmetric information, low profits, lack of collateral, education of farmers is relatively low. In addition, most banks do not want to finance agriculture due to fluctuating production and uncontrolled price risk. While the constraints of the farmers in obtaining formal credit is a complex procedure, there should be collateral as well as high payment delay fees, long distances and less information about capital.

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