There is a view that the existence of multiple credit bureaus in an economy ensures competition and creates a cost advantage for the users. However, where consumers as well as financial institutions do not have complete understanding of the benefits of bureaus, this could lead to disaster.
SME Financing %  4,0 % 5,7 %  3,3 %  87,0 %  100 90 80 70 60 50 40 30 20 10 0 Korea  Cambodia  Indonesia  Malaysia  Thailand  SME Loan to GDP SME Loan to Total Loan Micro Enterprises Medium Enterprises  Small Enterprises Large Enterprises  Account Ownership Source: ADB, WB Global Index (2014)  Source: Ministry of Cooperatives and SMEs (2014)  One of Bank Indonesia’s efforts to enhance banking intermediation to MSME is by requiring Commercial Banks to gradually fulfill its target of MSME loan proportion relative to total loan.