Usaha Kecil personal selling product innovation strategi bersaing transfer inovasi Asuransi jiwa Asuransi jiwa Pemasaran Bank dan perbankan Berbasis Potensi Lokal Citra Peruasahaan Industri rumah tangga Jawa Timur Konsumen Model lnter Firm Linkage Pemasaran Pemberdayaan UKM Nelayan Pasuruan Promosi Sistemik Tanggung jawab sosial advertising akselerasi inovasi akses pasar concentric diversification direct marketing field officer horizontal diversification implementation installment kapabilitas inovasi loan marketing member networking packaging product product innovation type promotion promotion mix public relations reasearch and sales promotion sentra usaha kecil logam usaha kecil