HERE'S some good news: the State Ministry for State-Owned Enterprises (SOEs) is working together with the banking sector to provide loan facilities for groups of small- and medium-sized enterprises (SMEs). Despite the involvement of the banks, the loans—which are to be available in units of Rp10 million—are not conditional on surety. This news is certainly worth remembering, bearing in mind the fact that SOEs have a long history inde