Majalah Ilmiah Unikom

In running a business supplying products by SMEs to large retailer in general SMEs become weaker party. Almost all of the provisions set by large retailers, while SMEs are just as the receiving party only. This is due to the weak bargaining position (bargaining position) of SMEs. One of the constraints faced by SMEs in supplying products to large retailers is a matter of working capital. Period payments made by large retailers to SME suppliers are usually between 1(one) up to 3 (three) months. With the payment period "relatively old", then the working capital needs of SMEs are "relatively large" for supplying large retailers. The purpose of this study was to obtain a precise formulation of the model of financing for SME suppliers to the Big Retailers. The method used is descriptive Comparative. Engineering studies using two approaches, namely (1) literature studies (Desk Study), and (2) Survey (interviews and observation). The results showed that: 1). SMEs Suppliers need additional working capital in the conduct of its business operations. This is caused because the pattern of payments made by the retailer to SME suppliers with the maturity (15, 30, 45 and 75 days). With this pattern many SMEs are experiencing difficulties in meeting its operational costs. 2). SME Suppliers trend pattern utilizing a conventional loan as compared with the pattern or credit schemes that already exist. This is due to schemes that have been there have not been able to accommodate the needs of SME suppliers to major retailers. 3). Financing models for SMEs Suppliers to Large Retailers need for a synergy of cooperation between SME suppliers, major retailers and management institutions financing model.