Companies that are included in SME are companies that have certain characteristics but are
proven to have resistance to economic pressures in various conditions such as financial
The obstacle that is always faced by companies in the SME category is financial performance.
which is not good and is still considered by the majority of finance companies that are not
good (healthy) companies to be used as working partners, where the financial performance
that is used as a benchmark for assessment of all financing companies can be seen from the