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The purpose of this research is to seek antecedent factors forming benefit expected by SME's bank customers on having their credit services. The data were collected using questionnaires spread to 150 respondents in three different areas: big city, urban and sub urban. The data were then analyzed using factors analysis to seek factors determining relationship benefit that is expected by SME's customer and if any determining variables can differentiate benefit expected between SME's bankdoi:10.21776/ub.jam.2019.017.01.16 fatcat:7wz4jrtvbbg5xbdgqwcone4ymq