Another Asia Foundation survey discovered that only 17% of SMEs have ever received a bank loan in Indonesia, largely because they have very little information about credit programs or they cannot complete the paperwork required to obtain a loan.

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So why is the peer-to-peer lending world, where loan seekers with little more than a credit score and a user profile, becoming increasingly popular?

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But the labourer is often so desperate for a loan, without other sources of credit, that there is little real choice involved.

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