Model pembiayaan pedagang mlijo oleh Multifinance sebagai dampak dari perluasan fungsi Multifinance oleh Otoritas Jasa Keuangan (salah satu bentuk pengembangan model Financial Inclusion)SunaryatiHardianiauthorNanikSishariniauthorWith the enactment of Lawno.21of 2011 onthe Financial Service Authorityexpectedfinancial institutioncan expandits businessis tofinanceMicro, Smalland Medium Enterprises(SMEs) so thatfinancial institutionsare no longersynonymous witha particularsector. In addition, the finance companywillbe able toreplacethe role of banksin stimulatingthe real sector. Especiallyafterthe release ofthe rulesregardingthe reduction of branchless banking, so thefinance companycouldbe a toolthatfundscan be channeledbanking. The aim ofthis studyis to findthe appropriatefinancing modelforSMEsboth in terms ofrequirements, ceiling, andpatterninstallmentsin accordancewiththe type ofSMEfinancinginstitutionsso asto encourageSMEstogrow and developandguideaccess to credit forSMEs. Specific targetsto be achievedare: 1)The existence ofan appropriate policyoffinancial institutionsin lendingto SMEsaccording to the typeandcharacteristics of theSME business, 2) Easy ofaccess to credit forSMEs,3) Improving the quality of SME.2015-06Universitas Merdeka MalangArticle