To encourage the growth of micro-, small- and medium-scale business credit (UMKM), Bank Indonesia requires banks to include micro-, small- and mediumscale business financing scheme in their business plan.
This is a matter of concern since the employability and flexibility of the labour force requires human capital to be continuously adjusted to labour market needs. This investment should start “early”, by enhancing the quality and efficiency of our schools and universities, and should be continued through lifelong training and learning. •  Increasing competition.