Abstract
The majority of Indonesian entrepreneurs belong to the MSMES (Micro, Small and Medium Enterprises) group. For the development of businesses in the MSMES (Micro, Small and Medium Enterprises) sector, support from the financial industry, especially banking, is needed to strengthen the business capital of MSMEs (Micro, Small and Medium Enterprises). However, in reality, only a few MSMES (Micro, Small and Medium Enterprises) actors can enjoy credit or financing facilities from banks. MSMEs (Micro, Small and Medium Enterprises) still have difficulty gaining access to banking, although there have been many government programs and financial sector authorities to increase MSMEs (Micro, Small and Medium Enterprises) access to banking, but in reality it has not increased significantly.
Published Version
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