Abstract
PROMISE IMPACT aims to improve access and quality of financial services to small and medium enterprises (SMEs) through pilot testing, research, and capacity development with several banks and non-banking institutions in the country. As part of the policy development support, the purpose of the survey was to better understand internal policies, procedures, and capacity that affect lending decisions of banks across different economic sector. In particular, the survey was expected to shed more light on the low proportion of credit for the manufacturing sector, especially among SMEs. A total of 192 loan officers and credit analysts were interviewed in 58 banks, which were randomly chosen. All the major commercial banks in the province were included in the sample, but the majority of respondents were rural banks or Bank Perkreditan Rakyat (BPRs). Proportionally, the sample mirrored the share of different banks with the largest group being BPRs. A total of 277 BPRs are currently operating in West Java.