Like many developing countries, Indonesia is faced with the problem of the ‘missing middle.’ Financial institutions mainly focus on catering to the needs of the largest and smallest businesses, while SMEs “in the middle” struggle to access adequate finance. This lack of access, in turn, prevents SMEs from growing and creating jobs. In Indonesia, SMEs, together with micro enterprises, account for 99% of the total enterprises, and employ nearly 90% of the total workforce. Indosurya plays a critical role in serving unbanked SME clients with the finance necessary to grow and thrive. SIFEM’s USD 12m loan is part of a syndicated transaction led by the IFC, with other Development Finance Institution participating. The loan will increase the availability of capital dedicated to SMEs and further increase the access to finance for the underserved. By helping to drive investments in Indonesia’s SME sector, the transaction contributes to broad-based and long-term private sector growth.