Part of My Manuscripts; An Introduction

 Micro, Small and Medium Enterprises (MSMEs) Based on Law no. 20 of 2008 concerning MSMEs, what is meant by micro-enterprises is productive businesses owned by individuals or individual business entities that have a net worth of at most Rp. 50 million excluding land and buildings for business premises, or an annual sales turnover of at most Rp. 300 million. Small Business is a stand-alone productive economic business carried out by individuals who are not subsidiaries, either directly or indirectly. The criteria for a small business to have a net worth of between Rp 50 million to Rp 500 million, excluding land and buildings for business premises or sales turnover ranging from Rp 300 million to Rp 2.5 billion. Medium Enterprises are independent productive economies carried out by individuals who are not subsidiaries, either directly or indirectly. The criteria for medium-sized businesses have assets of more than Rp 500 million to Rp 10 billion excluding land and buildings for business premises or sales turnover ranging from Rp 2.5 billion to Rp 50 billion.

 Winarti (2004) considers the important role of MSMEs in various aspects of the economy and efforts to accelerate the recovery of economic activity, Bank Indonesia provides support in the development of MSMEs. This support from Bank Indonesia is also included in the context of encouraging the recovery of the banking intermediation function and creating healthy banking conditions. Sabirin (2001) explained that to empower people from economically weak groups or the small business sector is to provide affordable sources of business financing. One of the financing strategies for this group is micro credit business. The role of Bank Indonesia in developing MSMEs has changed to be indirect. The approach used for MSMEs shifts from a development role to a promotional role. The approach that provides credit subsidies and low interest rates has shifted to an approach that focuses more on training activities for bank officers, research and providing information (Setyobudi, 2007).

 Various studies and efforts to develop economic enterprises Various studies and efforts to develop people's economic enterprises in Indonesia according to the results of a study by BI and Unud (2011) the problems that are often faced include: market access, business financing, low production and control techniques quality, management in general (BRI and Undiknas, 2016). Shujiro Urata (2000) who conducted research on SMEs in seven major cities in Indonesia including Surabaya succeeded in identifying SME problems which include: weak market access (29%), finance (19.2%), technical information and training (19.2% ), quality control, management, production equipment each 9.6% and other issues 4%.

In addition, according to Ariawati (2005) the weaknesses of SMEs can be classified as education, capital, marketing, human resources and information technology. The results of the research collaboration between the State Ministry of KUKM and BPS (2003) in Winarni (2006) informed that SMEs experiencing business difficulties were 72.47%, the remaining 27.53% had no problems. From 72.47% who experienced business difficulties, identified difficulties that arise are (1)

Capital 51.09%, (2) Marketing 34.72%, (3) Raw materials 8.59%, (4) Employment

1.09 %, (5) Transportation distribution 0.22% and (6) Others 3.93%.

Widiyanto (2010) entitled “MSME Development Strategy in Central Java”

aims to examine technology adaptation, working capital, marketing, innovation,

entrepreneurship, and access to working capital in order to build development strategies

SMEs in Central Java. From the results of research using descriptive analysis tools

quantitatively, the following results are obtained: Potential of MSMEs in Central Java Province

located in the manufacturing, agriculture, forestry, fisheries and animal husbandry sectors.

The limitations of innovation and the level of adaptation are quite high. The leading sector is industry

creative processing because the competitor's replication rate is very low and is able to become an icon

product or branding. Limitations of SMEs in facing competitive advantage

are market expansion, financial accessibility to banking, low human resource capacity.

Sriyana (2010) with the title "Small and Medium Enterprise Development Strategy"

(UKM): Case Study in Bantul Regency” aims to examine how the variables

marketing, capital, innovation and utilization of information technology, use of materials

raw materials, production equipment, employment, as well as business development plans in

support the development strategy of Small and Medium Enterprises. From the results of data processing

by using descriptive statistical analysis tools, the conclusions obtained are as follows:

the following: the problems faced by SMEs are marketing, capital, innovation and

utilization of information technology, use of raw materials, production tools, absorption of energy

work, business development plans. pen strategy