PT. Bank Syariah Bukopin
Catatan atas laporan keuangan
Untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2009 dan 2008 Dalam Rupiah
6. Pembiayaan
a. Berdasarkan jenis 31 Desember 2009 December 31, 2009
Lancar Dalam perhatian
Kurang lancar Diragukan
Macet Jumlah
khusus
Current Special Mention
Substandard Doubtful
Loss Total
Murabahah Modal kerja
190.553.548.681 10.805.558.590
4.528.036.289 1.359.137.974
8.621.126.548 215.867.408.081
Investasi 627.607.355.453
10.004.922.727 668.246.862
4.063.783.919 3.839.698.396
646.184.007.357 Konsumsi
69.007.732.094 11.137.510.558
2.896.875.677 4.961.819.929
2.516.267.842 90.520.206.100
Mudharabah Modal kerja
78.130.901.497 315.697.290
556.441.975 -
4.298.683.730 83.301.724.492
Investasi 297.115.261
- -
- -
297.115.261 Musyarakah
Modal kerja 188.859.255.319
- -
- -
188.859.255.319 Investasi
50.133.901.683 -
- -
- 50.133.901.683
Restrukturisasi 634.765.157
- -
- -
634.765.157 Pinjaman Qardh
535.375.000 -
- -
- 535.375.000
1.205.759.950.145 32.263.689.164
8.649.600.803 10.384.741.822 19.275.776.516 1.276.333.758.450 Dikurangi
: Penyisihan Kerugian
12.023.925.138 183.810.393
123.379.048 887.839.965 2.217.755.364
15.436.709.908 1.193.736.025.006
32.079.878.772 8.526.221.754 9.496.901.857 17.058.021.152 1.260.897.048.542
b. Berdasarkan sektor ekonomi
Rupiah :
Pertanian 19.716.637.080
2.000.000.000 -
- -
21.716.637.080 Pertambangan
1.000.000.000 1.817.774.636
- -
- 2.817.774.636
Manufaktur 30.021.632.979
24.438.698 -
3.334.000.379 178.999.621
33.559.071.677 Tenaga Listrik
25.006.493.249 -
- -
- 25.006.493.249
Konstruksi 105.692.116.225
4.700.500.000 -
495.102.657 3.122.531.160
114.010.250.042 Perdagangan
128.353.464.755 5.552.471.542
2.229.618.331 565.054.320
8.307.151.344 145.007.760.292
Transportasi 315.753.533.590
845.466.410 2.433.307.407
478.037.142 148.132.471
319.658.477.020 Jasa dunia usaha
336.830.459.265 4.387.540.735
914.798.425 549.879.947
3.657.636.407 346.340.314.779
Jasa sosial 168.309.158.295
3.817.841.705 173.934.534
- 2.006.000.000
174.306.934.534 Lain-lain
75.076.454.707 9.117.655.438
2.897.942.106 4.962.667.377
1.855.325.513 93.910.045.141
1.205.759.950.145 32.263.689.164
8.649.600.803 10.384.741.822 19.275.776.516 1.276.333.758.450 Dikurangi
: Penyisihan Kerugian
12.023.925.138 183.810.393
123.379.048 887.839.965 2.217.755.364
15.436.709.908 1.193.736.025.007
32.079.878.771 8.526.221.755 9.496.901.857 17.058.021.152 1.260.897.048.542
31 Desember 2008 December 31, 2008 Lancar
Dalam perhatian Kurang lancar Diragukan
Macet Jumlah
khusus
Current Special Mention
Substandard Doubtful Loss
Total
a. Berdasarkan jenis
Murabahah Modal kerja
39.595.139.065 -
- -
- 39.595.139.065
Investasi 39.861.882.376
- -
- -
39.861.882.376 Konsumsi
402.689.970 -
- -
- 402.689.970
79.859.711.411 -
- -
- 79.859.711.411
Dikurangi :
Penyisihan Kerugian 798.597.114
- -
- -
798.597.114 79.061.114.297
- -
- - 79.061.114.297
b. Berdasarkan sektor ekonomi
Rupiah :
Perdagangan 3.124.700.000
- -
- -
3.124.700.000 Jasa
17.550.095.888 -
- -
- 17.550.095.888
Konstruksi 18.632.273.061
- -
- -
18.632.273.061 Manufaktur
18.500.000.000 -
- -
- 18.500.000.000
Tenaga Listrik 2.446.284.848
- -
- -
2.446.284.848 Lain-lain
19.606.357.614 -
- -
- 19.606.357.614
79.859.711.411 -
- -
- 79.859.711.411
Dikurangi : Penyisihan Kerugian
798.597.114 -
- -
- 798.597.114
79.061.114.297 -
- -
- 79.061.114.297
PT. Bank Syariah Bukopin
Notes to the Financial Statements
For the Years ended December 31, 2009 and 2008 Expressed in Rupiah
6. Financing
a. By Type
Murabahah Working
Capital Investment
Comsumption Mudharabah
Working Capital
Investment Musyarakah
Working Capital
Investment Restructuring
Qardh Funds Less:
Allowance for possible losses
b. By Economic Sector
Rupiah : Agriculture
Miningg Manufacturing
Electricity Construction
Trading Transportation
Business Services Social Services
Others Less:
Allowance for possible losses
a. By Type
Murabahah Working Capital
Investment Consumption
Less: Allowance for possible losses
b. By Economic Sector
Rupiah : Trading
Services Construction
Manufacturing Electricity
Others Less:
Allowance for possible losses
22
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LAPORAN TAHUNAN BANK SYARIAH BUKOPIN 2009
PT. Bank Syariah Bukopin
Catatan atas laporan keuangan
Untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2009 dan 2008 Dalam Rupiah
c. Berdarkan jangka waktu sesuai dengan perjanjian 2009
2008
1 tahun 211.693.616.512
40.239.918.482 1 tahun - 2 tahun
109.666.606.038 179.800.405
2 tahun - 5 tahun 678.268.941.299
22.925.339.932 5 tahun
276.704.594.601 16.514.652.592
1.276.333.758.450 79.859.711.411
Dikurangi :
Penyisihan Kerugian 15.436.709.908
798.597.114 1.260.897.048.542
79.061.114.297
d. Berdasarkan sisa umur jatuh tempo 2009
2008
1 tahun 293.182.679.854
40.239.918.482 1 tahun - 2 tahun
170.437.542.696 179.800.405
2 tahun - 5 tahun 615.385.185.352
22.925.339.932 5 tahun
197.328.350.548 16.514.652.592
1.276.333.758.450 79.859.711.411
Dikurangi :
Penyisihan Kerugian 15.436.709.908
798.597.114 1.260.897.048.542
79.061.114.297 7. Kredit yang diberikan
a. Berdasarkan jenis 31 Desember 2009 December 31, 2009
Lancar Dalam perhatian Kurang lancar
Diragukan Macet
Jumlah Khusus
Current Special
Mention Substandard Doubtful
Loss Total
Modal kerja -
- -
- 494.788.860
494.788.860 Investasi
- -
- -
2.621.638.851 2.621.638.851
Konsumsi 82.340.841
98.451.713 19.984.637
- 132.572.252
333.349.443 82.340.841
98.451.713 19.984.637
- 3.248.999.963
3.449.777.154 Dikurangi
: Penyisihan Kerugian
823.408 2.339.176
2.997.696 -
468.515.796 474.676.076
81.517.432 96.112.537
16.986.941 -
2.780.484.167 2.975.101.078 b. Berdasarkan sektor ekonomi
Jasa Sosial -
- -
- 2.584.587.494
2.584.587.494 Lain-lain
82.340.841 98.451.713
19.984.637 -
664.412.469 865.189.660
82.340.841 98.451.713
19.984.637 -
3.248.999.963 3.449.777.154
Dikurangi :
Penyisihan Kerugian 823.408
2.339.176 2.997.696
- 468.515.796
474.676.076 81.517.432
96.112.537 16.986.941
- 2.780.484.167 2.975.101.078 6. Pembiayaan
- lanjutan
c. By Financing Period based on agreement
