Though SMEs may have their important role in
country development, it is found that most of them
facing troubles in running business as evidenced in 1998
when affected by the crisis. Since they lacked strength
in many aspects, especially in financial one, most of
them at that time had gone bankruptcy. Even nowadays
large percentage of SMEs encounter financing problem
due to limited in sources of funds, difficulty of fund
accessing, poor accounting system, and unqualified
collaterals.