, Micro Finance Institutions have emerged with the view to providing micro credit and other financial products for SMEs. .Also …, Public micro credit was given to SMEs as subsidized loans. Unfortunately, that  programme has collapsed. To revive public … productivity and improve upon their performance. An observation is that only Micro Credit would not take SMEs out of poverty in …

/methodology/approach A survey among more than 170,000 borrowers of two specific credit schemes by PT Bank Rakyat Indonesia Tbk., the largest …’ demographic characteristics, it is shown that the findings in both credit schemes have a relatively similar pattern in terms of …