Abstraction

SME sector is a sector that has tremendous potential to stimulate economic growth in Indonesia, it is supported by the dominance of the number of business units that reached 99.90% or 42,300,000 units of whole business units in Indonesia, if it has a 99.90% good production capacity will be increasingly easier economic to grow.

Indonesia is a country with the third largest population in the world, leh therefore required a higher growth compared to population growth. If only rely on big business sector alone amounted to only 0.1% of the total number of business units in Indonesia will be fragile economic growth.

SME sector in developing its business has a variety of obstacles and that the main obstacle is the capital factor, since SMEs often use funding from the Bank, or even hit hard because of credit lending requirements that must be met. This is implemented by the bank due to bad credit prevent.

Therefore, the policy solution would be better done with the restructuring of problem loans from SMEs. This policy is very appropriate because it is done with the process of mediation and negotiation.

Keyworld :SME,credit, resricturin, economic growth, bank