{'fraction_non_alphanumeric': 0.029953917050691243, 'fraction_numerical': 0.009216589861751152, 'mean_word_length': 5.251798561151079, 'pattern_counts': {'":': 0, '<': 0, '<?xml version=': 0, '>': 0, 'https://': 0, 'lorem ipsum': 0, 'www.': 0, 'xml': 0}, 'pii_count': 0, 'substrings_counts': 0, 'word_list_counts': {'cursed_substrings.json': 0, 'profanity_word_list.json': 0, 'sexual_word_list.json': 0, 'zh_pornsignals.json': 0}}
Forced Banks’ Mergers and SME's Financing

Access to finance will be one of the most significant challenges for the creation, survival and growth of Small Medium Enterprises(SMEs), especially innovative one. However forced banks’ merger by central bank of Indonesia’s regulation could then hurdle SMEs’ financing and growth since they are to be performance oriented. Using the financial data of the seven Indonesian banks’ merger within 2004-2009, three years before and three years after the merger, this study examines whether banks’ merger could hurdle SMEs’ financing and growth since they tend to be performance oriented. The study conclude that banks’ merger in Indonesia decreased the SMEs’ credit but increased the performance of the banks, and SMEs’ credit is no longer influenced the performance of the banks. Banks’ merger hurdle SMEs’ financing and growth.