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"Indonesia merupakan lokasi yang menarik bagi investor asing, sehingga mendorong liberalisasi di sektor perbankan di Indonesia. ketika dominasi bank asing di Indonesia semakin menguat, ada banyak kecemasan terjadi di dalam negeri. Pertama, ada kecemasan bahwa masuknya bank milik asing dapat meningkatkan persaingan di industri perbankan domestik Indonesia. Kedua, masuknya bank asing yang dianggap terkait dengan kurangnya penyediaan kredit untuk usaha kecil dan menengah (UKM). Tulisan ini bertujuan untuk menyelidiki apakah masalah tersebut dapat dibenarkan atau tidak, dengan memanfaatkan pengalaman Indonesia dengan liberalisasi di sektor perbankan.

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Indonesia has become an interesting location for foreign investor, resulting in a fully liberalization of banking sector in Indonesia. While the domination of foreign banks in Indonesia become stronger, there has been much anxiety happening within the country. First, there is an anxiety that the entry of foreign-owned banks may increase the competition in Indonesia’s domestic banking industry. Second, foreign bank entry are thought to be associated with less provision of credit to small medium enterprises (SMEs). This paper aims to investigate whether the mentioned issues can be justified or not, by making use of Indonesian experiences with liberalization on its banking sector."

"ABSTRAKSkripsi ini bertujuan untuk mengetahui pengaruh dari masing-masing bagian dari lending technology dan jenis lembaga keuangan terhadap besar jumlah utang loan size UKM. Penelitian dilakukan pada UKM di Kota Depok. Hasil penelitian ini menunjukkan pengaruh signifikan dari variabel fixed asset dan account receivable terhadap loan size. Variabel lain yaitu : audited financial statement, personal asset collateral, dan type of finacial intermediaries ditemukan tidak signifikan mempengaruh loan size.

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ABSTRACTThe purpose of this research is to analyze the influence of each part of lending technology and type of financial institution to loan size of SMEs. The study was conducted on SMEs in Depok City. This research use ordinary least square OLS method . The results of this study indicate significant influence of fixed asset and account receivable to loan size. Other variables audited financial statement, personal asset collateral, and type of finacial intermediaries were found to have no significant effect on loan size."