Nuramalia Hasanah, Susi Indriani, Diah Armeliza, Indah Muliasari
The small and medium enterprises (SME) are a strategic sector in the national economy, contributing abundantly to production. The Indonesian government has tried to develop the real sector to eliminate SME's barrier to capital access guarantees. Financial problems in a company, and inaccessibility to formal funding, hamper growth. This study examines empirical evidence of SME perceptions of capital access in financial institutions. It uses qualitative analysis with primary data from the SME owners. The study was conducted in PIK Pulogadung, East Jakarta, with a total of 120 participants.