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Government provides many farming finance loan programs to farming community, but many farmers still feel that financial institutions that are given trust by the government are difficult to access. Thus, this study aims: first, to reveal farmers 'assumptions about accessibility, secondly to analyze risk perceptions of micro finance and the final goal is to analyze whether microfinance services can satisfy farmers' needs. This research was conducted on two groups of farmers, such as rice farmers in Singosari District and orange farmers in Dau District, Malang Regency, East Java Province, Indonesia. Data analysis method uses quantitative descriptive, with the use of farmer perceptions scoring regarding accessibility dimensions, namely affordability, impact and sustainability, and perception of financial risk, while service quality dimensions are Tangibles, Reliability, Responsiveness, Assurance, Emphaty by using SEM-PLS analysis. Both rice farmers and orange farmers have good accessibility, but there are differences in the actions of borrowing funds from the two groups of farmers. Rice farmers do not dare to borrow funds if they have not coordinated with farmers’ group association, while orange farmers dare to borrow individually. At present, farmers are getting a loan from one of the government programs, and the results of the study indicate that the risk is very low if borrowing is done through a farmers’ group association. While the results of the analysis of the quality of microfinance services that are closely related to the satisfaction of orange farmers as borrowing customers are the dimensions of Reliability, Assurance and Emphaty. Although the service dimensions are positively related to satisfaction, there are several indicators that microfinance must improve so that farmers are more satisfied with the government programs mandated by the institution. Indicators that must be corrected by microfinance are employees 'knowledge of government programs in detail and giving more attention to farmers' customers.

ACCESSIBILITY, FINANCIAL RISK PERCEPTION AND FARMERS’ SATISFACTION TO MICROFINANCE SERVICES QUALITY IN DEVELOPING COUNTRIES