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February 20, 2024
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March 26, 2025
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Agribusiness Microfinance Institutions (LKMA) are micro-scale financial institutions prioritized for farmers initiated by the Ministry of Agriculture of the Republic of Indonesia. The number of LKMA in Kendal Regency in 2015 was 277 in 20 sub-districts. In 2022, there were 28 active LKMA and 249 inactive LKMA. Many inactive LKMA are due to poor LKMA governance, so farmers cannot access financing for their business capital. This study uses a qualitative case study approach. The population in this study consisted of all LKMA leaders in Kendal Regency, and the sampling technique used was purposive sampling. The number of samples was the Head of LKMA Blorok, LKMA Anugerah Tani Makmur, LKMA Mekar Arum, LKMA Sendangmulyo, LKMA Sido Makmur, LKMA Sukma Sejahtera, LKMA Bina Tani, LKMA Tanam Sari, LKMA Gondang and LKMA Karangsari Sejahtera. Data analysis includes data reduction, data presentation, and conclusions using data validity techniques, namely data triangulation. The results of the study stated that the condition of LKMA in Quadrant I is growth with strategies that must be implemented, namely increasing capital through cooperation with the private sector and the government, the need for regional government regulations on LKMA governance, increasing soft skills and managerial skills in LKMA management, and providing agricultural insurance for LKMA members. This study implies that the Kendal Regency Government can make Regional Regulations on LKMA management guidelines to be used as guidelines in implementing LKMA governance for the sustainability of LKMA and improving the economy of farmers in Kendal Regency.
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Copyright (c) 2025 Edy Purwanto, Ari Dwi Astono, Wahyu Imam Santoso
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How to Cite
Strategy Development for the Agribusiness Microfinance Institution (LKMA) in Kendal Regency. (2025). Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian Dan Agribisnis, 24(01), 433–450. https://doi.org/10.31186/jagrisep.24.01.433-450
References
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Astuti, Y., Rizal, R., & Pantaya, D. (2022). Evaluasi Program Pengembangan Usaha Agribisnis Perdesaan (PUAP) Di Kabupaten Bondowoso. Jurnal Agrinika: Jurnal Agroteknologi Dan Agribisnis, 6(1), 123–135. doi: 10.30737/agrinika.v6i1.2051
Daulay, Z. (2011). Pengetahuan Tradisional: Konsep, Dasar Hukum, dan. Praktiknya. Jakarta: PT. Raja Grafindo Persada
Denis, D. K. & McConnell, J. J. (2003). International Corporate Governance. Journal Of Financial And Quantitative Analysis, 38, 1-36. doi: 10.2307/4126762
Dwimanur, K., Wibowo, H.. (2014). Strategy For Establishing Microfinance Institutions For Agribusiness (LKMA) Post Rural Agribusiness Development Program (PUAP) In Kuningan Regency. Journal Of Islamic Economics And Banking, 2(1), 26-52. doi: 10.46899/jeps.v2i1.141
Government of Indonesia. (1992). Law Number 25 Of 1992 Concerning Cooperatives. Retrieved from https://peraturan.bpk.go.id/Details/46650/uu-no-25-tahun-1992
Government of Indonesia. (2013). Law Number 1 Of 2013 Concerning Microfinance Institutions. Retrieved from https://peraturan.bpk.go.id/Details/38813/uu-no-1-tahun-2013
Gunawan, M. R, & Muzayanah, I. F. U. (2023). The Role Of Access To Agribusiness Microfinance Institutions (LKM-A) On Poverty Reduction: Case Study In Kuningan District. Journal Of Civil Development, 15(2), 357–372. doi: 10.21787/jbp.15.2023.357-372
Hanafie, R. (2010). Introduction To Agricultural Economics. Yogyakarta: CV. Andi Offset
Hanggana, S. (2018). Analysis Of The Weaknesses Of Poktan, Gapoktan, UPJA, And LKM-A Regulations In Increasing Farmer Income. Agricultural Policy Analysis, 15(2), 137-149. doi: 10.21082/akp.v15n2.2017.137-149
Harahap, I. S. (2018). Efforts to Improve Community Economy Through Rural Agribusiness Development (PUAP) in Hanopan Village, Arse District, South Tapanuli Regency. Muqqodimah Scientific Journal: Journal Of Social Sciences, Politics And Humanities, 2(2), 101-115. doi: 10.31604/jim.v2i2.2018.101-115
Harahap, N. M. A. (2020). Qualitative Research. Medan North Sumatra: Wal Ashri
Hermawan, H., & Andrianyta, H. (2012). Agribusiness Microfinance Institutions: Breakthroughs In Strengthening Agricultural Institutions And Financing In Rural Areas. Journal Of Agricultural Policy Analysis, 10(2), 143-158. doi: 10.21082/akp.v10n2.2012.143-158
Hermanto & Swastika, D. K.S. (2011). Strengthening Farmer Groups: Initial Steps Increasing Farmer Welfare. Agricultural Policy Analysis, 9(4), 371–390. doi: 10.21082/akp.v9n4.2011.371-390
Hilal, S., Sarma, M., & Baga, L. M. (2014). Strategy For Developing Agribusiness Microfinance Institutions (LKMA) In Pandeglang. (Thesis, IPB University, Bogor, Indonesia). Retrieved From http://Repository.Ipb.Ac.Id/Jspui/Bitstream/123456789/73000/1/2014shi.Pdf
Kendal Regency Agriculture and Food Service. (2022). Data On The Number Of Agribusiness Microfinance Institutions In Kendal Regency. Retrieved from https://kendalkab.bps.go.id/id/publication/2022/02/25/20eee20b7bbd02538299589e/kabupaten-kendal-dalam-angka-2022.html
Ledgerwood, J., Earne, J., & Nelson, C. (2013). The New Microfinance Handbook: A Financial Market System Perspective. Washington DC: World Bank
Limanseto, H. (2022). Develop Agricultural Sector Resilience, Indonesia Wins Award From International Rice Research Institute. Retrieved from https://www.ekon.go.id/
Mahdalena, M., Hariyanto, Y., & Iskawati, I. (2021). The Role Of Agricultural Extension Workers In The Rural Agribusiness Development Program (PUAP) Of The Rukun Tani Farmer Group, Padang Tanggul Village, South Amuntai District, North Hulu Sungai Regency. Rawa Sains: STIPER Amuntai Science Journal, 11(2), 102-111. doi: 10.36589/rs.v11i2.196
Maulidia, S. L. & Yulistiyono, H. (2020). The Role Of The Rural Agribusiness Development Program (PUAP) On Farmer Welfare In Polagan Village, Galis District, Pamekasan Regency. Ekspansi: Journal Of Economics, Finance, Banking And Accounting, 12(2), 149-167. doi: 10.35313/ekspansi.v12i2.1924
Ministry of Agriculture. (2016). Minister Of Agriculture Regulation Number. 67/PERMENTAN/SM.050/12/2016 Concerning Farmer Institutional Development. Retrieved from https://peraturan.bpk.go.id/
Moleong, L. J. (2007). Qualitative Research Methodology. Revised Edition. Bandung: PT Remaja Rosdakarya
Nasriah, Nuddin, A., & Irmayani. (2019). Analysis Of The Implementation Of The Rural Agribusiness Development Program (PUAP) In Improving Farmer Welfare. Journal Of Agribusiness And Fisheries, 12(2), 331—334. doi: 10.29239/j.agrikan.12.2.331-334
Nilasari, F., & Novitaningtyas, I. (2020). Strategy For Developing Microfinance Institutions For Agribusiness Farmers Group Associations In Magelang Regency. Agribusiness Journal, 22(2), 178-190. doi: 10.31849/agr.v22i2.4269
Nugroho, A, D., Waluyati, L, R., Jamhari. (2018). Evaluation Of The Rural Agribusiness Empowerment Program (PUAP) Of The Special Region Of Yogyakarta Province. Kawistara Journal, 8(2), 111-212. doi: 10.22146/kawistara.32086
Puarada, S. H. , Gurning, R. N. S. & Sari, C. R. (2019). Performance And Development Strategy Of Agribusiness Microfinance Institutions (LKMA) Gunungkidul Regency. Agribusiness Journal, 5(1) 21 - 35. doi: 10.30596/jasc.v7i1.14464
Pasaribu, S. M. & Tarigan, H. (2015). Policy Analysis Report On Transformation Of Agribusiness Microfinance Institutions (LKM-A) Into Independent Rural Financial Institutions. Retrieved from pse.litbang.pertanian.go.id/ind/pdffiles/anjak_2015_08.pdf
Saleh, Y., Mulyo, J. H, & Waluyati, L. R. (2012). Efficiency Of Agribusiness Microfinance Institutions, Combined Farmer Groups In Rural Agribusiness Development: Case Study In Bantul Regency 2012. Agro Econonomy Journal, 30(2), 129-144. doi:10.21082/jae.v30n2.2012.129-144
Saptana, Wahyuni, S., & Pasaribu, S. M. (2013). Strategy For Accelerating The Institutional Transformation Of Gapoktan And LKMA In Strengthening The Economy In Rural Areas. Journal Of Management & Agribusiness, 10(1), 1-11. doi: 10.17358/jma.10.1.60-70
Sidhi, E. Y., & Samurti. (2018). Analysis Of The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Rice Farming Production And Income (Case Study Of Mekikis Village, Purwoasri District, Kediri Regency). Agrinika Journal, 2(2), 115-126. doi: 10.30737/agrinika.v2i2.562
Siregar, S., Harahap, G., Erawati, E. & Putra Y. A. (2013). The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Farmer Income. Agrium Journal, 18(1) 37-46. doi: 10.30596/agrium.v18i1.342
Sugiyono. (2015). Combination Research Methods (Mix Methods). Bandung: Alphabet
Supriatna, A. 2012. Development Of Microfinance Institutions For Agribusiness (LKMA) And Adoption Of Potato Technology In Rural Agribusiness Development (PUAP) (Case Study In Solok Regency, West Sumatra). Agrin, 16(2), 101-116. doi: 10.20884/1.agrin.2012.16.2.132
Triyanto, Y., & Arini, S. A. (2018). Analysis Of The Effectiveness Of The Rural Agribusiness Program (PUAP) And Its Impact On Farmers' Income Levels (Case Study Of The Teluk Jaya Farmers Group Association). Agroplasma Journal, 5(2), 13-18. doi: 10.36987/agr.v5i2.165
Utami, R. A. (2015). Analysis Of Sustainability And Development Patterns Of Co-Operative Entrepreneurship Of Agribusiness Microfinance Institutions (LKM-A). Journal Of Social And Political Sciences, 19(1), 65-77. doi: 10.22146/Jsp.10857
Zeller, M., Meyer, R. L. (2002). The Triangle Of Microfinance. Washington: The international Food Policy Research Institute Berger And Mester
References
Astuti, Y., Rizal, R., & Pantaya, D. (2022). Evaluasi Program Pengembangan Usaha Agribisnis Perdesaan (PUAP) Di Kabupaten Bondowoso. Jurnal Agrinika: Jurnal Agroteknologi Dan Agribisnis, 6(1), 123–135. doi: 10.30737/agrinika.v6i1.2051
Daulay, Z. (2011). Pengetahuan Tradisional: Konsep, Dasar Hukum, dan. Praktiknya. Jakarta: PT. Raja Grafindo Persada
Denis, D. K. & McConnell, J. J. (2003). International Corporate Governance. Journal Of Financial And Quantitative Analysis, 38, 1-36. doi: 10.2307/4126762
Dwimanur, K., Wibowo, H.. (2014). Strategy For Establishing Microfinance Institutions For Agribusiness (LKMA) Post Rural Agribusiness Development Program (PUAP) In Kuningan Regency. Journal Of Islamic Economics And Banking, 2(1), 26-52. doi: 10.46899/jeps.v2i1.141
Government of Indonesia. (1992). Law Number 25 Of 1992 Concerning Cooperatives. Retrieved from https://peraturan.bpk.go.id/Details/46650/uu-no-25-tahun-1992
Government of Indonesia. (2013). Law Number 1 Of 2013 Concerning Microfinance Institutions. Retrieved from https://peraturan.bpk.go.id/Details/38813/uu-no-1-tahun-2013
Gunawan, M. R, & Muzayanah, I. F. U. (2023). The Role Of Access To Agribusiness Microfinance Institutions (LKM-A) On Poverty Reduction: Case Study In Kuningan District. Journal Of Civil Development, 15(2), 357–372. doi: 10.21787/jbp.15.2023.357-372
Hanafie, R. (2010). Introduction To Agricultural Economics. Yogyakarta: CV. Andi Offset
Hanggana, S. (2018). Analysis Of The Weaknesses Of Poktan, Gapoktan, UPJA, And LKM-A Regulations In Increasing Farmer Income. Agricultural Policy Analysis, 15(2), 137-149. doi: 10.21082/akp.v15n2.2017.137-149
Harahap, I. S. (2018). Efforts to Improve Community Economy Through Rural Agribusiness Development (PUAP) in Hanopan Village, Arse District, South Tapanuli Regency. Muqqodimah Scientific Journal: Journal Of Social Sciences, Politics And Humanities, 2(2), 101-115. doi: 10.31604/jim.v2i2.2018.101-115
Harahap, N. M. A. (2020). Qualitative Research. Medan North Sumatra: Wal Ashri
Hermawan, H., & Andrianyta, H. (2012). Agribusiness Microfinance Institutions: Breakthroughs In Strengthening Agricultural Institutions And Financing In Rural Areas. Journal Of Agricultural Policy Analysis, 10(2), 143-158. doi: 10.21082/akp.v10n2.2012.143-158
Hermanto & Swastika, D. K.S. (2011). Strengthening Farmer Groups: Initial Steps Increasing Farmer Welfare. Agricultural Policy Analysis, 9(4), 371–390. doi: 10.21082/akp.v9n4.2011.371-390
Hilal, S., Sarma, M., & Baga, L. M. (2014). Strategy For Developing Agribusiness Microfinance Institutions (LKMA) In Pandeglang. (Thesis, IPB University, Bogor, Indonesia). Retrieved From http://Repository.Ipb.Ac.Id/Jspui/Bitstream/123456789/73000/1/2014shi.Pdf
Kendal Regency Agriculture and Food Service. (2022). Data On The Number Of Agribusiness Microfinance Institutions In Kendal Regency. Retrieved from https://kendalkab.bps.go.id/id/publication/2022/02/25/20eee20b7bbd02538299589e/kabupaten-kendal-dalam-angka-2022.html
Ledgerwood, J., Earne, J., & Nelson, C. (2013). The New Microfinance Handbook: A Financial Market System Perspective. Washington DC: World Bank
Limanseto, H. (2022). Develop Agricultural Sector Resilience, Indonesia Wins Award From International Rice Research Institute. Retrieved from https://www.ekon.go.id/
Mahdalena, M., Hariyanto, Y., & Iskawati, I. (2021). The Role Of Agricultural Extension Workers In The Rural Agribusiness Development Program (PUAP) Of The Rukun Tani Farmer Group, Padang Tanggul Village, South Amuntai District, North Hulu Sungai Regency. Rawa Sains: STIPER Amuntai Science Journal, 11(2), 102-111. doi: 10.36589/rs.v11i2.196
Maulidia, S. L. & Yulistiyono, H. (2020). The Role Of The Rural Agribusiness Development Program (PUAP) On Farmer Welfare In Polagan Village, Galis District, Pamekasan Regency. Ekspansi: Journal Of Economics, Finance, Banking And Accounting, 12(2), 149-167. doi: 10.35313/ekspansi.v12i2.1924
Ministry of Agriculture. (2016). Minister Of Agriculture Regulation Number. 67/PERMENTAN/SM.050/12/2016 Concerning Farmer Institutional Development. Retrieved from https://peraturan.bpk.go.id/
Moleong, L. J. (2007). Qualitative Research Methodology. Revised Edition. Bandung: PT Remaja Rosdakarya
Nasriah, Nuddin, A., & Irmayani. (2019). Analysis Of The Implementation Of The Rural Agribusiness Development Program (PUAP) In Improving Farmer Welfare. Journal Of Agribusiness And Fisheries, 12(2), 331—334. doi: 10.29239/j.agrikan.12.2.331-334
Nilasari, F., & Novitaningtyas, I. (2020). Strategy For Developing Microfinance Institutions For Agribusiness Farmers Group Associations In Magelang Regency. Agribusiness Journal, 22(2), 178-190. doi: 10.31849/agr.v22i2.4269
Nugroho, A, D., Waluyati, L, R., Jamhari. (2018). Evaluation Of The Rural Agribusiness Empowerment Program (PUAP) Of The Special Region Of Yogyakarta Province. Kawistara Journal, 8(2), 111-212. doi: 10.22146/kawistara.32086
Puarada, S. H. , Gurning, R. N. S. & Sari, C. R. (2019). Performance And Development Strategy Of Agribusiness Microfinance Institutions (LKMA) Gunungkidul Regency. Agribusiness Journal, 5(1) 21 - 35. doi: 10.30596/jasc.v7i1.14464
Pasaribu, S. M. & Tarigan, H. (2015). Policy Analysis Report On Transformation Of Agribusiness Microfinance Institutions (LKM-A) Into Independent Rural Financial Institutions. Retrieved from pse.litbang.pertanian.go.id/ind/pdffiles/anjak_2015_08.pdf
Saleh, Y., Mulyo, J. H, & Waluyati, L. R. (2012). Efficiency Of Agribusiness Microfinance Institutions, Combined Farmer Groups In Rural Agribusiness Development: Case Study In Bantul Regency 2012. Agro Econonomy Journal, 30(2), 129-144. doi:10.21082/jae.v30n2.2012.129-144
Saptana, Wahyuni, S., & Pasaribu, S. M. (2013). Strategy For Accelerating The Institutional Transformation Of Gapoktan And LKMA In Strengthening The Economy In Rural Areas. Journal Of Management & Agribusiness, 10(1), 1-11. doi: 10.17358/jma.10.1.60-70
Sidhi, E. Y., & Samurti. (2018). Analysis Of The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Rice Farming Production And Income (Case Study Of Mekikis Village, Purwoasri District, Kediri Regency). Agrinika Journal, 2(2), 115-126. doi: 10.30737/agrinika.v2i2.562
Siregar, S., Harahap, G., Erawati, E. & Putra Y. A. (2013). The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Farmer Income. Agrium Journal, 18(1) 37-46. doi: 10.30596/agrium.v18i1.342
Sugiyono. (2015). Combination Research Methods (Mix Methods). Bandung: Alphabet
Supriatna, A. 2012. Development Of Microfinance Institutions For Agribusiness (LKMA) And Adoption Of Potato Technology In Rural Agribusiness Development (PUAP) (Case Study In Solok Regency, West Sumatra). Agrin, 16(2), 101-116. doi: 10.20884/1.agrin.2012.16.2.132
Triyanto, Y., & Arini, S. A. (2018). Analysis Of The Effectiveness Of The Rural Agribusiness Program (PUAP) And Its Impact On Farmers' Income Levels (Case Study Of The Teluk Jaya Farmers Group Association). Agroplasma Journal, 5(2), 13-18. doi: 10.36987/agr.v5i2.165
Utami, R. A. (2015). Analysis Of Sustainability And Development Patterns Of Co-Operative Entrepreneurship Of Agribusiness Microfinance Institutions (LKM-A). Journal Of Social And Political Sciences, 19(1), 65-77. doi: 10.22146/Jsp.10857
Zeller, M., Meyer, R. L. (2002). The Triangle Of Microfinance. Washington: The international Food Policy Research Institute Berger And Mester
Daulay, Z. (2011). Pengetahuan Tradisional: Konsep, Dasar Hukum, dan. Praktiknya. Jakarta: PT. Raja Grafindo Persada
Denis, D. K. & McConnell, J. J. (2003). International Corporate Governance. Journal Of Financial And Quantitative Analysis, 38, 1-36. doi: 10.2307/4126762
Dwimanur, K., Wibowo, H.. (2014). Strategy For Establishing Microfinance Institutions For Agribusiness (LKMA) Post Rural Agribusiness Development Program (PUAP) In Kuningan Regency. Journal Of Islamic Economics And Banking, 2(1), 26-52. doi: 10.46899/jeps.v2i1.141
Government of Indonesia. (1992). Law Number 25 Of 1992 Concerning Cooperatives. Retrieved from https://peraturan.bpk.go.id/Details/46650/uu-no-25-tahun-1992
Government of Indonesia. (2013). Law Number 1 Of 2013 Concerning Microfinance Institutions. Retrieved from https://peraturan.bpk.go.id/Details/38813/uu-no-1-tahun-2013
Gunawan, M. R, & Muzayanah, I. F. U. (2023). The Role Of Access To Agribusiness Microfinance Institutions (LKM-A) On Poverty Reduction: Case Study In Kuningan District. Journal Of Civil Development, 15(2), 357–372. doi: 10.21787/jbp.15.2023.357-372
Hanafie, R. (2010). Introduction To Agricultural Economics. Yogyakarta: CV. Andi Offset
Hanggana, S. (2018). Analysis Of The Weaknesses Of Poktan, Gapoktan, UPJA, And LKM-A Regulations In Increasing Farmer Income. Agricultural Policy Analysis, 15(2), 137-149. doi: 10.21082/akp.v15n2.2017.137-149
Harahap, I. S. (2018). Efforts to Improve Community Economy Through Rural Agribusiness Development (PUAP) in Hanopan Village, Arse District, South Tapanuli Regency. Muqqodimah Scientific Journal: Journal Of Social Sciences, Politics And Humanities, 2(2), 101-115. doi: 10.31604/jim.v2i2.2018.101-115
Harahap, N. M. A. (2020). Qualitative Research. Medan North Sumatra: Wal Ashri
Hermawan, H., & Andrianyta, H. (2012). Agribusiness Microfinance Institutions: Breakthroughs In Strengthening Agricultural Institutions And Financing In Rural Areas. Journal Of Agricultural Policy Analysis, 10(2), 143-158. doi: 10.21082/akp.v10n2.2012.143-158
Hermanto & Swastika, D. K.S. (2011). Strengthening Farmer Groups: Initial Steps Increasing Farmer Welfare. Agricultural Policy Analysis, 9(4), 371–390. doi: 10.21082/akp.v9n4.2011.371-390
Hilal, S., Sarma, M., & Baga, L. M. (2014). Strategy For Developing Agribusiness Microfinance Institutions (LKMA) In Pandeglang. (Thesis, IPB University, Bogor, Indonesia). Retrieved From http://Repository.Ipb.Ac.Id/Jspui/Bitstream/123456789/73000/1/2014shi.Pdf
Kendal Regency Agriculture and Food Service. (2022). Data On The Number Of Agribusiness Microfinance Institutions In Kendal Regency. Retrieved from https://kendalkab.bps.go.id/id/publication/2022/02/25/20eee20b7bbd02538299589e/kabupaten-kendal-dalam-angka-2022.html
Ledgerwood, J., Earne, J., & Nelson, C. (2013). The New Microfinance Handbook: A Financial Market System Perspective. Washington DC: World Bank
Limanseto, H. (2022). Develop Agricultural Sector Resilience, Indonesia Wins Award From International Rice Research Institute. Retrieved from https://www.ekon.go.id/
Mahdalena, M., Hariyanto, Y., & Iskawati, I. (2021). The Role Of Agricultural Extension Workers In The Rural Agribusiness Development Program (PUAP) Of The Rukun Tani Farmer Group, Padang Tanggul Village, South Amuntai District, North Hulu Sungai Regency. Rawa Sains: STIPER Amuntai Science Journal, 11(2), 102-111. doi: 10.36589/rs.v11i2.196
Maulidia, S. L. & Yulistiyono, H. (2020). The Role Of The Rural Agribusiness Development Program (PUAP) On Farmer Welfare In Polagan Village, Galis District, Pamekasan Regency. Ekspansi: Journal Of Economics, Finance, Banking And Accounting, 12(2), 149-167. doi: 10.35313/ekspansi.v12i2.1924
Ministry of Agriculture. (2016). Minister Of Agriculture Regulation Number. 67/PERMENTAN/SM.050/12/2016 Concerning Farmer Institutional Development. Retrieved from https://peraturan.bpk.go.id/
Moleong, L. J. (2007). Qualitative Research Methodology. Revised Edition. Bandung: PT Remaja Rosdakarya
Nasriah, Nuddin, A., & Irmayani. (2019). Analysis Of The Implementation Of The Rural Agribusiness Development Program (PUAP) In Improving Farmer Welfare. Journal Of Agribusiness And Fisheries, 12(2), 331—334. doi: 10.29239/j.agrikan.12.2.331-334
Nilasari, F., & Novitaningtyas, I. (2020). Strategy For Developing Microfinance Institutions For Agribusiness Farmers Group Associations In Magelang Regency. Agribusiness Journal, 22(2), 178-190. doi: 10.31849/agr.v22i2.4269
Nugroho, A, D., Waluyati, L, R., Jamhari. (2018). Evaluation Of The Rural Agribusiness Empowerment Program (PUAP) Of The Special Region Of Yogyakarta Province. Kawistara Journal, 8(2), 111-212. doi: 10.22146/kawistara.32086
Puarada, S. H. , Gurning, R. N. S. & Sari, C. R. (2019). Performance And Development Strategy Of Agribusiness Microfinance Institutions (LKMA) Gunungkidul Regency. Agribusiness Journal, 5(1) 21 - 35. doi: 10.30596/jasc.v7i1.14464
Pasaribu, S. M. & Tarigan, H. (2015). Policy Analysis Report On Transformation Of Agribusiness Microfinance Institutions (LKM-A) Into Independent Rural Financial Institutions. Retrieved from pse.litbang.pertanian.go.id/ind/pdffiles/anjak_2015_08.pdf
Saleh, Y., Mulyo, J. H, & Waluyati, L. R. (2012). Efficiency Of Agribusiness Microfinance Institutions, Combined Farmer Groups In Rural Agribusiness Development: Case Study In Bantul Regency 2012. Agro Econonomy Journal, 30(2), 129-144. doi:10.21082/jae.v30n2.2012.129-144
Saptana, Wahyuni, S., & Pasaribu, S. M. (2013). Strategy For Accelerating The Institutional Transformation Of Gapoktan And LKMA In Strengthening The Economy In Rural Areas. Journal Of Management & Agribusiness, 10(1), 1-11. doi: 10.17358/jma.10.1.60-70
Sidhi, E. Y., & Samurti. (2018). Analysis Of The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Rice Farming Production And Income (Case Study Of Mekikis Village, Purwoasri District, Kediri Regency). Agrinika Journal, 2(2), 115-126. doi: 10.30737/agrinika.v2i2.562
Siregar, S., Harahap, G., Erawati, E. & Putra Y. A. (2013). The Role Of The Rural Agribusiness Development Program (PUAP) In Increasing Farmer Income. Agrium Journal, 18(1) 37-46. doi: 10.30596/agrium.v18i1.342
Sugiyono. (2015). Combination Research Methods (Mix Methods). Bandung: Alphabet
Supriatna, A. 2012. Development Of Microfinance Institutions For Agribusiness (LKMA) And Adoption Of Potato Technology In Rural Agribusiness Development (PUAP) (Case Study In Solok Regency, West Sumatra). Agrin, 16(2), 101-116. doi: 10.20884/1.agrin.2012.16.2.132
Triyanto, Y., & Arini, S. A. (2018). Analysis Of The Effectiveness Of The Rural Agribusiness Program (PUAP) And Its Impact On Farmers' Income Levels (Case Study Of The Teluk Jaya Farmers Group Association). Agroplasma Journal, 5(2), 13-18. doi: 10.36987/agr.v5i2.165
Utami, R. A. (2015). Analysis Of Sustainability And Development Patterns Of Co-Operative Entrepreneurship Of Agribusiness Microfinance Institutions (LKM-A). Journal Of Social And Political Sciences, 19(1), 65-77. doi: 10.22146/Jsp.10857
Zeller, M., Meyer, R. L. (2002). The Triangle Of Microfinance. Washington: The international Food Policy Research Institute Berger And Mester