Small and medium enterprises (SMEs) have an important role in economy; not only they employ a lot of workers but also contribute to Gross Domestic products (GDP). The SMEs contribute more than 60 percent of GDP (40 percent from small enterprises (SEs)). More than 99 percent of interprises in Indonesia are SMEs and more than 96 percent of worker are employed by them (more than 91 percent work in SEs). Although SMEs are very important for the Indonesian economy, they still have problem to have accessing fund. The SEs invest only 1.5 million rupiahs in average (only 0.0078 and 0.00005 times the average investment of medium (MEs) and big enterprises (BEs) each year) and the MEs invest 855.88 million rupiahs in average (nearly 0.03 times the average investment of BE each year). The data shows that investment for each SE is too small than investment of MEs and BEs. On the other hand the return of investment in SE are more than twice than ME and BE. Although the SMEs contribute 60 percent of total GDP, they only invest 43 percent of total investment every year. The Kredit Usaha Kecil (KUK) that served by commercial Banks for SMEs only contribute 37 percent to total investment of SMEs or 16 percent to total investment. It is proper SMEs invest more than current their investment because they contribute to GDP more than BEs. The intermediation institution (bank) should improve they role in SMEs funding. The development of intermediary system that serve easy funding for SMEs especially SEs is a potential way to increase the economic growth and better distribution of income.
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机译：中小企业在经济中具有重要作用；他们不仅雇用了很多工人，而且还为国内生产总值（GDP）做出了贡献。中小企业贡献了GDP的60％以上（其中40％来自小型企业（SE））。在印尼，超过99％的企业是中小企业，其中96％以上的工人受雇于这些企业（超过91％的企业在东南部工作）。尽管中小企业对于印尼经济非常重要，但它们仍然难以获得资金。 SE的平均投资仅为150万卢比（每年仅是中型企业和大企业的平均投资的0.0078和0.00005倍），ME的平均投资为8.588亿卢比（几乎是BE的平均投资的0.03倍）每年）。数据显示，每个SE的投资都比ME和BE的投资小。另一方面，SE的投资回报是ME和BE的两倍以上。尽管中小企业贡献了国内生产总值的60％，但它们每年仅投资总投资的43％。商业银行为中小企业服务的Kredit Usaha Kecil（KUK）仅占中小企业总投资的37％，或占总投资的16％。中小企业投资比目前的投资多是恰当的，因为它们对GDP的贡献要大于BE。中介机构（银行）应提高其在中小企业融资中的作用。发展为中小型企业特别是中小型企业提供便利资金的中介系统，是增加经济增长和更好地分配收入的潜在途径。
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