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"Penguatan daya saing UMKM di Indonesia dinilai penting seiring dengan era keterbukaan persaingan global dengan berlakunya masyarakat ekonomi ASEAN tahun 2015. Tujuan dari penelitian ini adalah menganalisa model dan strategi penguatan daya saing internasional UMKM dengan potensi ekonomi local berdasarkan pendekatan LEDI - 9F. Penelitian in menggunakan penedekatan analisis isi dan analytic networking process (ANP). Penelitian ini meneumkan bahwa model penguatan daya saing internasional UMKM dapat dilakukan melalui model kemitraan antara berbagai stakeholders baik ditingkat kabupaten, provisnsi maupun tingkat pusat. Strategi yang dapat digunakan agar UMKM yang memilki potensi ekonomi local mempunyai daya saing internasional adalah optimalisasi penerapan teknologi pertanian, strategi manajerial dan bisnis, strategi integritasi vertical dan horizontal, strategi peningkatan kualitas dan kuantitas produk, strategi pendidikan dan pelatiahan tenaga kerja, optimalisasi peran pemerintah dan intansi terkait, pelatihan kewirausahaan bagi UMKM dan calon pengusaha, strategi kemitraan dan pengembangan profesionalitas, dan strategi peningkatan kapasitas."

"AbstrakMany business owners attempt to apply for bank credit, but not all of them are approved. This study aims to reveal the factors determining credit approval to Micro, Small, and Medium Enterprises (MSME). The variables used in this study are the owners capital, company establishment, collateral value, credit amount, owners age, and good relationship with the bank. In this study, the logit model used as a technique of analysis, in which there is only one dependent variable in the form of dummy along with the other six independent variables. The statistical test reveals that simultaneously all independent variables have significant effects on credit approval. Partially, only the owners capital and good relationships with the bank do affect the approval. Therefore, business owners should pay more attention to their amount of capital and interrelation with the bank when applying for bank credit."

"Micro, Small and Medium Enterprises (MSME) can be defined as a productive business that can be owned by individuals or business entities and has met the criteria as a micro business. UMKM is one of the spearheads of an independent economy that has great development potential, so that the existence of MSMEs can strengthen the people's economy. One area that has a lot of MSMEs is Gunungkidul Regency which is located in the Special Region of Yogyakarta. There are many obstacles in the UMKM business in Gunungkidul Regency, one of which is in marketing and product management. Support from the technological side is needed to increase the pace of the MSME economy. One form of technology support is an inventory application that can help MSMEs in managing product stocks and supporting product marketing. Applications named Nawani and Nukoni can make it easier for MSME business players in marketing products. Nawani functions to market UMKM products and perform stock management, while Nukoni functions as a catalog for MSME products. Based on the test obtained using a Likert Scale, Nawani has a score of 78.8% for the Function Test and the UI / UX Test of 69.6%, while Nukoni has a score of 85.3% for the Function Test and the UI / UX Test for 70.2%, so that both applications are running and suitable for use by both parties."

"The paper delineates deficiencies of the existing financial system in Bangladesh in order to cater the financing needs of SMEs specially those requiring finance in the range of US $ 15 000 to US $ 3000 and are regarded as missing middle" in the country...."

"The Way for Maintaining Customer Loyality and Using of E-Commece in Developing Company Such as Small And Medium Enterproses. This paper aims to analyze the way of maintaining customer loyalty of company in developing their business. One of the way is providing of customer loyalty program with the reward point given to their customer. Beside that, this study analyze also the usefulness of e- commerce in developing Small and Medium Enterprises. Definitely ,the use of e- commerce able to drive business of small and Medium Enterprises quickly and promptly. Involving e-commerce in developing small and medium enterprises (SMEs)is very crucial and important There are some potential benefits derived from the strategic use of e-commerce provide: i) Enhanced customer services, ii) Reduced transaction costs, iii) Increased business efficiencies, iv) Improved operational flexibility, v). Obtaining competitive advantages and vi). Improved product and service delivery. . This study use Descriptive Qualitative Analysis Method based on the observation of the current situation of e-commerce usefulness in developing company such as small and medium enterprises and the way of maintaining customer loyally in business development This study shows that both low customer awareness about point- based reward programs and, not surprisingly, low redemption rates. More specifically, lack of awareness about the reward points programs and the redemption procedure was shown. The important conditions positively affecting redemption of reward points were found to include awareness of the reward point program, a positive attitude about the incentives, and average frequency of credit card usage. Also, redemption rates were higher for cards that had been issued more recently. This study find also that e- commerce has big part role in developing Small and Medium Enterprises. In this, e- commerce can develop promotion and selling volume of Small and Medium Enterprises by the smart electronic mechanism."