As my current work is focusing on improvement in the company that has already been running for years, for my future master’s lesson, I intend to focus studying on how to help Start-up companies or Small and Medium Enterprises that have just run their businesses either with their owned capital or with investment from foreign countries, allocate their capital effectively and efficiently. I am inspired by people around me who have just built their businesses, but have to close their business due to financial problems, especially in this pandemic. Therefore, I need to improve my knowledge in finance. At the same time, I would like to take part in realizing one of the sustainable development goals of the United Nations about decent work and economic growth that aimed to encourage the formalization and growth of Small and Medium Enterprises, including through access to financial services. I would like to start from my motherland, Indonesia.