ProdukHukum BankIndonesia
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.1. PERKEMBANGAN BAKI DEBET KREDIT MKM dan KREDIT PERBANKAN/OUTSTANDING OF MSM CREDITS AND BANKING CREDITS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Kredit MKM/MSM Credits
Kredit Non MKM/Non MSM Credits
Kartu Kredit MKM/MSM Credit cards
Jml. Rekening MKM/Total of MSM Accounts
Kredit perbankan/Banking Credits
660.445,3
644.270,3
29.701,1
23.482.337
1.334.416,7
49,5%
48,3%
2,2%
100,0%
663.797,0
639.850,3
28.410,5
23.869.524
1.332.057,8
701.336,6
629.671,1
31.792,9
24.110.458
1.362.800,5
710.463,8
623.590,6
32.282,9
24.269.232
1.366.337,4
52,0%
45,6%
2,4%
100,0%
730.255,3
631.140,5
33.639,1
24.797.011
1.395.035,0
766.901,4
664.570,6
36.045,2
24.887.284
1.467.517,2
52,3%
45,3%
2,5%
100,0%
812.394,8
645.674,3
29.962,9
28.817.134
1.488.032,0
869.079,1
721.036,9
30.698,0
30.238.821
1.620.814,1
884.488,2
715.923,9
31.415,1
29.101.918
1.631.827,2
54,2%
43,9%
1,9%
100,0%
Des 09 - Juli 10
24,5%
14,8%
-2,7%
19,9%
19,4%
15,3%
7,7%
-12,8%
16,9%
11,2%
II.2. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON/OUTSTANDING MSM CREDITS BY PLAFOND
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Juli 09 - Juli 10
Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits (up to
Rp50 million)
Kredit Kecil (>Rp 50 jt-Rp500jt) /Small Credits
(>Rp50 million - Rp500 million)
Kredit Menengah (>Rp500 jt-Rp5M)/Medium
Credits (>Rp500 million- Rp5 billion)
Total/Total
Des 09 - Juli 10
234.025,0
35,4%
235.671,5
244.605,3
247.221,9
34,8%
248.843,7
255.148,6
33,3%
263.642,7
274.336,7
279.378,9
31,6%
13,0%
9,5%
221.395,0
33,5%
229.094,7
249.248,7
254.548,4
35,8%
266.690,8
284.017,9
37,0%
314.552,9
342.701,2
351.662,3
39,8%
38,2%
23,8%
205.025,3
660.445,3
31,0%
100,0%
199.030,8
663.797,0
207.482,5
701.336,6
208.693,5
710.463,8
29,4%
100,0%
214.720,8
730.255,3
227.734,9
766.901,4
29,7%
100,0%
234.199,2
812.394,8
252.041,3
869.079,1
253.447,0
884.488,2
28,7%
100,0%
21,4%
24,5%
11,3%
15,3%
II.3. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT KELOMPOK BANK/OUTSTANDING OF MSM CREDITS BY GROUP OF BANKS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Bank Persero/State Banks
Bank Swasta Nasional Devisa/Foreign Exchange
Private National Banks
Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks
BPD/Regional Development Banks
Bank Campuran/Joint Banks
Bank Asing/Foreign Banks
BPR-BPRS/Rural Banks-Islamic Rural Banks
Total
Des 09 - Juli 10
230.152,2
34,8%
235.747,6
258.419,6
261.556,1
36,8%
268.680,5
285.133,8
37,2%
289.496,4
306.785,5
311.415,3
35,2%
19,1%
9,2%
267.228,1
40,5%
256.553,6
262.020,4
262.683,8
37,0%
269.729,6
285.537,3
37,2%
297.722,7
320.277,3
330.009,9
37,3%
25,6%
15,6%
23.503,3
87.654,9
8.520,6
16.885,8
26.500,3
660.445,3
3,6%
13,3%
1,3%
2,6%
4,0%
100,0%
24.972,1
91.795,3
11.644,0
16.454,2
26.630,3
663.797,0
24.239,2
100.987,5
12.071,9
15.864,4
27.733,6
701.336,6
25.402,3
103.282,0
12.258,5
17.128,7
28.152,4
710.463,8
3,6%
14,5%
1,7%
2,4%
4,0%
100,0%
27.004,5
107.503,3
12.447,4
16.010,1
28.880,0
730.255,3
29.831,4
107.674,9
12.849,3
16.358,6
29.516,0
766.901,4
3,9%
14,0%
1,7%
2,1%
3,8%
100,0%
31.526,7
111.440,0
22.220,4
28.867,0
31.121,6
812.394,8
38.086,1
119.332,0
25.566,7
25.736,4
33.295,2
869.079,1
36.926,4
120.994,5
24.392,9
26.829,5
33.919,6
884.488,2
4,2%
13,7%
2,8%
3,0%
3,8%
100,0%
45,4%
17,1%
99,0%
56,6%
20,5%
24,5%
23,8%
12,4%
89,8%
64,0%
14,9%
15,3%
II.4. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT SEKTOR EKONOMI/OUTSTANDING MSM CREDITS BY ECONOMIC SECTORS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Pertanian, perburuan dan sarana pertanian
21.210,0
3,2%
21.575,1
22.954,6
23.135,6
3,3%
23.602,2
24.648,0
3,2%
17.027,8
18.280,2
21.382,3
2,4%
-7,6%
/Agriculture,hunting and agricultural facilities
Pertambangan/Mining
1.824,2
0,3%
1.716,8
4.467,0
5.089,3
0,7%
4.452,1
4.261,9
0,6%
5.326,1
6.893,0
7.199,0
0,8%
41,5%
Perindustrian/Manufacturing Industry
46.487,3
7,0%
44.179,2
43.299,3
42.974,5
6,0%
42.214,6
44.602,8
5,8%
50.479,0
52.460,8
52.466,1
5,9%
22,1%
Listrik, Gas dan Air/Electricity, Gas & Water
560,9
0,1%
511,8
599,5
682,5
0,1%
685,8
705,8
0,1%
643,6
738,8
878,6
0,1%
28,7%
Konstruksi/Construction
17.140,1
2,6%
16.439,5
18.577,1
19.254,0
2,7%
20.490,3
19.338,6
2,5%
17.585,0
20.524,8
20.838,7
2,4%
8,2%
Perdagangan, restoran dan hotel/Trade,
166.677,4
25,2%
168.451,2
179.683,8
181.189,6
25,5%
187.822,0
198.249,0
25,9%
174.688,4
184.725,4
201.985,7
22,8%
11,5%
restaurants and hotels
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
8.656,5
1,3%
8.490,7
8.686,7
8.722,5
1,2%
8.881,8
9.323,2
1,2%
11.614,1
12.143,7
12.425,5
1,4%
42,5%
Jasa Dunia Usaha/Business Services
43.621,7
6,6%
42.760,3
44.605,7
44.728,3
6,3%
45.719,0
47.345,6
6,2%
51.723,6
51.392,4
50.178,8
5,7%
12,2%
Jasa Sosial/Social Services
7.608,0
1,2%
7.611,5
8.129,6
8.142,1
1,1%
8.551,7
8.762,8
1,1%
14.455,1
30.995,4
30.451,8
3,4%
274,0%
Lain-lain/Others
346.659,0
52,5%
352.060,9
370.333,2
376.545,4
53,0%
387.835,9
409.663,6
53,4%
468.851,9
490.924,7
486.681,7
55,0%
29,2%
Total/Total
660.445,3
100,0%
663.797,0
701.336,6
710.463,8
100,0%
730.255,3
766.901,4
100,0%
812.394,8
869.079,1
884.488,2
100,0%
24,5%
1
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
*) Angka Sementara/Preliminary Figures
Juli 2010.xlsx03/09/2010
Des 09 - Juli 10
-13,2%
68,9%
17,6%
24,5%
7,8%
1,9%
33,3%
6,0%
247,5%
18,8%
15,3%
3
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.5. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT JENIS PENGGUNAAN/OUTSTANDING OF MSM CREDITS BY TYPE OF UTILIZATION
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Kredit Modal Kerja/Working Capital Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Kredit Investasi/Investment Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Kredit Konsumsi/Consumer Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Total/Total
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
260.965,4
50.134,9
70.775,8
140.054,7
56.119,4
10.288,4
15.138,1
30.692,9
343.360,5
173.601,7
135.412,8
34.346,0
660.445,3
234.025,0
221.326,7
205.093,5
39,5%
21,4%
32,0%
68,3%
8,5%
4,4%
6,8%
15,0%
52,0%
74,2%
61,2%
16,7%
100,0%
35,4%
33,5%
31,1%
258.362,7
51.500,7
71.361,7
135.500,3
56.350,5
10.595,8
15.531,9
30.222,8
349.083,9
173.575,0
142.201,1
33.307,7
663.797,0
235.671,5
229.094,7
199.030,8
274.589,8
56.185,7
75.527,5
142.876,6
59.228,8
11.336,3
17.277,9
30.614,6
367.517,9
177.083,4
156.443,4
33.991,2
701.336,6
244.605,3
249.248,7
207.482,5
276.967,2
56.829,5
76.491,0
143.646,7
59.813,9
11.600,4
17.482,6
30.730,9
373.682,6
178.792,0
160.574,7
34.315,9
710.463,8
247.221,9
254.548,4
208.693,5
39,0%
23,0%
30,0%
68,8%
8,4%
4,7%
6,9%
14,7%
52,6%
72,3%
63,1%
16,4%
100,0%
34,8%
35,8%
29,4%
283.102,3
57.574,3
78.532,3
146.995,7
62.089,4
11.837,7
18.946,0
31.305,7
385.063,6
179.431,7
169.212,5
36.419,4
730.255,3
248.843,7
266.690,8
214.720,8
294.159,6
58.382,1
80.243,6
155.533,8
65.516,4
12.199,1
20.735,0
32.582,2
407.225,4
184.567,3
183.039,2
39.618,9
766.901,4
255.148,6
284.017,9
227.734,9
38,4%
22,9%
28,3%
68,3%
8,5%
4,8%
7,3%
14,3%
53,1%
72,3%
64,4%
17,4%
100,0%
33,3%
37,0%
29,7%
307.133,9
73.319,3
79.991,2
153.823,4
71.225,9
12.308,3
23.569,3
35.348,3
434.035,0
178.015,1
210.992,4
45.027,5
812.394,8
263.642,7
314.552,9
234.199,2
329.919,9
79.435,1
85.182,9
165.301,9
84.833,4
16.354,8
31.319,8
37.158,8
454.325,9
178.546,8
226.198,4
49.580,7
869.079,1
274.336,7
342.701,2
252.041,3
334.459,9
82.712,5
87.049,6
164.697,7
86.765,3
16.632,6
32.249,7
37.883,0
463.263,0
180.033,8
232.363,0
50.866,3
884.488,2
279.378,9
351.662,3
253.447,0
37,8%
29,6%
24,8%
65,0%
9,8%
6,0%
9,2%
14,9%
52,4%
64,4%
66,1%
20,1%
100,0%
31,6%
39,8%
28,7%
Des 09 - Juli 10
20,8%
45,5%
13,8%
14,7%
45,1%
43,4%
84,5%
23,3%
24,0%
0,7%
44,7%
48,2%
24,5%
13,0%
38,2%
21,4%
13,7%
41,7%
8,5%
5,9%
32,4%
36,3%
55,5%
16,3%
13,8%
-2,5%
26,9%
28,4%
15,3%
9,5%
23,8%
11,3%
II.6. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PROPINSI di JAWA-BALI & NASIONAL/OUTSTANDING OF MSM CREDITS BY PROVINCES IN JAVA AND BALI
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Jawa Bali/Java & Bali
Di luar Jawa Bali/Outside Java & Bali
Nasional/National
435.422,0
225.023,3
660.445,3
65,9%
34,1%
100,0%
434.825,2
228.971,8
663.797,0
457.056,7
244.279,8
701.336,6
463.594,7
246.869,1
710.463,8
65,3%
34,7%
100,0%
473.382,2
256.873,1
730.255,3
496.573,0
270.328,4
766.901,4
64,8%
35,2%
100,0%
538.057,0
274.337,9
812.394,8
571.212,6
297.866,5
869.079,1
587.645,6
296.842,6
884.488,2
66,4%
33,6%
100,0%
Des 09 - Juli 10
26,8%
20,2%
24,5%
18,3%
9,8%
15,3%
II.7. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT 10 LOKASI PROYEK PER PROPINSI TERBESAR/OUTSTANDING OF MSM CREDITS BY 10 MAIN PROJECT LOCATIONS BY PROVINCES
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
1. DKI Jakarta/DKI Jakarta
2. Jawa Barat/West Java
3. Jawa Timur/East Java
4. Jawa Tengah/Central Java
5. Sumatera Utara/North Sumatra
6. Banten/Banten
7. Sulawesi Selatan/South Sulawesi b
8. Riau/Riau a
9. Bali/Bali
10. Sumatera Selatan/South Sumatera
Total 10 Propinsi/Total of 10 Provinces
Propinsi Lainnya/Other Provinces
Total Kredit MKM Nasional/Total of National's
MSM Credits
1
137.231,6
102.128,9
77.308,7
63.384,6
34.495,9
29.884,5
22.410,4
17.020,4
16.311,4
14.289,2
514.465,6
145.979,7
660.445,3
20,8%
15,5%
11,7%
9,6%
5,2%
4,5%
3,4%
2,6%
2,5%
2,2%
77,9%
133.817,4
103.425,1
78.499,4
63.833,5
34.552,2
29.148,9
22.834,2
17.380,7
16.765,7
14.745,1
515.002,2
148.794,8
143.407,7
108.727,3
81.425,3
66.878,3
36.292,4
29.274,3
24.210,9
18.449,0
17.582,3
16.153,6
542.401,1
158.935,4
147.407,6
109.909,0
81.899,8
67.562,1
36.612,5
29.322,6
24.349,7
18.694,5
17.657,3
16.604,9
550.020,0
160.443,8
663.797,0
701.336,6
710.463,8
20,7%
15,5%
11,5%
9,5%
5,2%
4,1%
3,4%
2,6%
2,5%
2,3%
77,4%
148.208,5
112.633,3
84.395,0
69.527,1
38.236,4
30.117,3
24.949,4
19.455,5
18.351,3
17.152,0
563.025,9
167.229,4
155.941,7
117.856,5
89.356,9
72.038,8
39.863,5
31.647,8
27.048,4
20.208,6
19.236,2
18.343,2
591.541,6
175.359,8
730.255,3
766.901,4
20,3%
15,4%
11,7%
9,4%
5,2%
4,1%
3,5%
2,6%
2,5%
2,4%
77,1%
186.281,9
121.720,1
91.849,1
73.568,6
41.066,8
34.104,5
27.983,4
20.574,4
19.867,0
19.049,9
636.065,9
176.329,0
191.832,5
133.069,1
98.081,0
78.808,9
43.237,6
36.936,3
30.077,5
22.582,6
21.053,4
20.714,2
676.393,0
192.686,1
211.257,1
131.991,1
97.040,2
77.213,9
43.619,1
37.774,2
29.781,0
22.598,4
21.010,4
20.689,5
692.974,9
191.513,3
812.394,8
869.079,1
884.488,2
23,9%
14,9%
11,0%
8,7%
4,9%
4,3%
3,4%
2,6%
2,4%
2,3%
78,3%
Des 09 - Juli 10
43,3%
20,1%
18,5%
14,3%
19,1%
28,8%
22,3%
20,9%
19,0%
24,6%
26,0%
19,4%
35,5%
12,0%
8,6%
7,2%
9,4%
19,4%
10,1%
11,8%
9,2%
12,8%
17,1%
9,2%
24,5%
15,3%
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
*) Angka Sementara/Preliminary Figures
4
Juli 2010.xlsx03/09/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.8. PERKEMBANGAN BAKI DEBET KREDIT MKM di KAWASAN INDONESIA TIMUR (KTI)/ OUTSTANDING OF MSM CREDITS BY PROVINCES IN EASTERN INDONESIAN AREA (EIA)
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
1. Sulawesi Selatan/South Sulawesi
2. Kalimantan Timur/East Kalimantan
3. Sulawesi Utara/North Sulawesi
4. Kalimantan Selatan/South Kalimantan
5. Kalimantan Barat/West Kalimantan
6. NTB/West Nusa Tenggara
7. Sulawesi Tengah/Central Sulawesi
8. NTT/East Nusa Tenggara
9. Papua/Papua
10. Kalimantan Tengah/Central Kalimantan
11. Sulawesi Tenggara/Southeast Sulawesi
12. Maluku/Maluku
13. Maluku Utara/North Maluku
14. Gorontalo/Gorontalo c
d
15. Papua Barat/West Papua
16. Sulawesi Barat/West Sulawesi e
22.410,4
14.099,0
8.371,8
8.989,2
7.949,9
6.674,8
5.788,6
5.608,1
4.530,2
3.530,9
3.915,3
2.327,4
1.229,0
2.037,5
1.486,3
1.782,9
22,2%
14,0%
8,3%
8,9%
7,9%
6,6%
5,7%
5,6%
4,5%
3,5%
3,9%
2,3%
1,2%
2,0%
1,5%
1,8%
22.834,2
14.184,0
8.564,2
9.229,2
8.096,9
7.035,8
5.923,4
5.732,6
4.655,9
3.753,1
4.076,9
2.440,2
1.314,3
2.146,7
1.505,4
1.519,3
24.210,9
14.979,8
8.848,4
9.749,0
8.679,3
7.467,1
6.416,8
6.262,2
5.160,0
4.278,9
4.283,0
2.701,0
1.475,7
2.493,0
1.724,2
1.633,9
24.349,7
15.170,6
8.748,1
9.845,4
8.786,9
7.556,4
6.423,9
6.388,6
5.268,7
4.352,8
4.341,9
2.733,2
1.520,8
2.585,7
1.774,4
1.654,3
21,8%
13,6%
7,8%
8,8%
7,9%
6,8%
5,8%
5,7%
4,7%
3,9%
3,9%
2,5%
1,4%
2,3%
1,6%
1,5%
24.949,4
15.790,9
9.362,0
10.322,2
9.135,1
7.695,9
6.702,6
6.609,7
5.561,3
4.538,6
4.501,8
3.418,2
1.520,4
2.768,8
1.819,6
1.755,3
27.048,4
16.457,3
9.942,3
10.674,7
9.762,0
8.088,2
6.983,7
6.899,6
5.802,3
4.761,1
4.767,0
3.023,4
1.647,2
3.021,4
2.042,9
1.806,7
22,0%
13,4%
8,1%
8,7%
8,0%
6,6%
5,7%
5,6%
4,7%
3,9%
3,9%
2,5%
1,3%
2,5%
1,7%
1,5%
27.983,4
17.283,0
11.341,0
11.009,8
10.147,8
8.429,1
7.154,2
6.847,8
6.236,5
5.033,8
4.484,0
2.997,9
1.502,8
1.777,0
986,0
463,8
30.077,5
18.816,0
12.882,8
11.932,6
10.936,6
9.401,8
7.928,5
7.703,9
6.785,5
5.465,6
5.075,7
3.425,4
1.612,8
1.285,8
1.258,4
1.042,3
29.781,0
18.911,9
12.567,0
11.799,4
10.933,2
9.172,3
7.522,8
7.439,6
6.525,2
5.403,9
4.810,7
3.329,1
1.586,7
1.195,5
1.591,3
914,6
22,3%
14,2%
9,4%
8,8%
8,2%
6,9%
5,6%
5,6%
4,9%
4,0%
3,6%
2,5%
1,2%
0,9%
1,2%
0,7%
22,3%
24,7%
43,7%
19,8%
24,4%
21,4%
17,1%
16,5%
23,8%
24,1%
10,8%
21,8%
4,3%
-53,8%
-10,3%
-44,7%
10,1%
14,9%
26,4%
10,5%
12,0%
13,4%
7,7%
7,8%
12,5%
13,5%
0,9%
10,1%
-3,7%
-60,4%
-22,1%
-49,4%
100.731,5
2.362,4
2,35%
18.882,3
3,37%
660.445,3
100,0%
103.012,2
2.974,3
2,89%
21.371
3,81%
663.797,0
110.363,2
3.305,4
3,00%
22.775
3,85%
701.336,6
111.501,4
3.478,5
3,12%
22.516,2
3,76%
710.463,8
100,0%
116.451,7
3.595,2
3,09%
23.371
3,81%
730.255,3
122.728,4
3.122,8
2,54%
21.622
3,36%
766.901,4
100,0%
123.678,2
3.249,0
2,63%
24.693,6
3,59%
812.394,8
135.631,4
3.325,3
2,45%
22.387,0
3,05%
869.079,1
133.484,1
3.512,7
2,63%
22.987,7
3,06%
884.488,2
100,0%
19,7%
1,0%
8,8%
12,5%
2,1%
6,3%
24,5%
15,3%
559.713,8
560.784,8
590.973,4
598.962,4
613.803,6
644.173,0
688.716,6
733.447,8
751.004,1
25,4%
16,6%
% KBI thd Kredit MKM Nasional/Contribution of
MSM Credits in WIA to National MSM Credits
84,7%
84,5%
84,3%
84,3%
84,1%
84,0%
84,8%
84,4%
84,9%
% KTI thd total Kredit MKM/ Contribution of MSM
Credits in EIA to National's MSM Credits
15,3%
15,5%
15,7%
15,7%
15,9%
16,0%
15,2%
15,6%
15,1%
Total Kredit MKM KTI/Total of MSM Credits in EIA
Total NPL KTI/Total of NPL in EIA r
% NPL KTI/% of NPL in EIA r
Total NPL KBI/Total of NPL in WIA r
% NPL KBI/% of NPL in WIA r
Total Kredit MKM/Total of MSM Credits
Total Kredit MKM KBI/Total of MSM Credits in
Western Indonesian Area (WIA)
1
Des 09 - Juli 10
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
r = angka revisi sejak Triwulan IV 2008 s.d Triwulan III 2009/Revised figures since 4th Quarter 2008 to 3rd Quarter 2009.
*) Angka Sementara/Preliminary Figures
5
Juli 2010.xlsx03/09/2010
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.1. PERKEMBANGAN BAKI DEBET KREDIT MKM dan KREDIT PERBANKAN/OUTSTANDING OF MSM CREDITS AND BANKING CREDITS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Kredit MKM/MSM Credits
Kredit Non MKM/Non MSM Credits
Kartu Kredit MKM/MSM Credit cards
Jml. Rekening MKM/Total of MSM Accounts
Kredit perbankan/Banking Credits
660.445,3
644.270,3
29.701,1
23.482.337
1.334.416,7
49,5%
48,3%
2,2%
100,0%
663.797,0
639.850,3
28.410,5
23.869.524
1.332.057,8
701.336,6
629.671,1
31.792,9
24.110.458
1.362.800,5
710.463,8
623.590,6
32.282,9
24.269.232
1.366.337,4
52,0%
45,6%
2,4%
100,0%
730.255,3
631.140,5
33.639,1
24.797.011
1.395.035,0
766.901,4
664.570,6
36.045,2
24.887.284
1.467.517,2
52,3%
45,3%
2,5%
100,0%
812.394,8
645.674,3
29.962,9
28.817.134
1.488.032,0
869.079,1
721.036,9
30.698,0
30.238.821
1.620.814,1
884.488,2
715.923,9
31.415,1
29.101.918
1.631.827,2
54,2%
43,9%
1,9%
100,0%
Des 09 - Juli 10
24,5%
14,8%
-2,7%
19,9%
19,4%
15,3%
7,7%
-12,8%
16,9%
11,2%
II.2. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON/OUTSTANDING MSM CREDITS BY PLAFOND
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Juli 09 - Juli 10
Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits (up to
Rp50 million)
Kredit Kecil (>Rp 50 jt-Rp500jt) /Small Credits
(>Rp50 million - Rp500 million)
Kredit Menengah (>Rp500 jt-Rp5M)/Medium
Credits (>Rp500 million- Rp5 billion)
Total/Total
Des 09 - Juli 10
234.025,0
35,4%
235.671,5
244.605,3
247.221,9
34,8%
248.843,7
255.148,6
33,3%
263.642,7
274.336,7
279.378,9
31,6%
13,0%
9,5%
221.395,0
33,5%
229.094,7
249.248,7
254.548,4
35,8%
266.690,8
284.017,9
37,0%
314.552,9
342.701,2
351.662,3
39,8%
38,2%
23,8%
205.025,3
660.445,3
31,0%
100,0%
199.030,8
663.797,0
207.482,5
701.336,6
208.693,5
710.463,8
29,4%
100,0%
214.720,8
730.255,3
227.734,9
766.901,4
29,7%
100,0%
234.199,2
812.394,8
252.041,3
869.079,1
253.447,0
884.488,2
28,7%
100,0%
21,4%
24,5%
11,3%
15,3%
II.3. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT KELOMPOK BANK/OUTSTANDING OF MSM CREDITS BY GROUP OF BANKS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Bank Persero/State Banks
Bank Swasta Nasional Devisa/Foreign Exchange
Private National Banks
Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks
BPD/Regional Development Banks
Bank Campuran/Joint Banks
Bank Asing/Foreign Banks
BPR-BPRS/Rural Banks-Islamic Rural Banks
Total
Des 09 - Juli 10
230.152,2
34,8%
235.747,6
258.419,6
261.556,1
36,8%
268.680,5
285.133,8
37,2%
289.496,4
306.785,5
311.415,3
35,2%
19,1%
9,2%
267.228,1
40,5%
256.553,6
262.020,4
262.683,8
37,0%
269.729,6
285.537,3
37,2%
297.722,7
320.277,3
330.009,9
37,3%
25,6%
15,6%
23.503,3
87.654,9
8.520,6
16.885,8
26.500,3
660.445,3
3,6%
13,3%
1,3%
2,6%
4,0%
100,0%
24.972,1
91.795,3
11.644,0
16.454,2
26.630,3
663.797,0
24.239,2
100.987,5
12.071,9
15.864,4
27.733,6
701.336,6
25.402,3
103.282,0
12.258,5
17.128,7
28.152,4
710.463,8
3,6%
14,5%
1,7%
2,4%
4,0%
100,0%
27.004,5
107.503,3
12.447,4
16.010,1
28.880,0
730.255,3
29.831,4
107.674,9
12.849,3
16.358,6
29.516,0
766.901,4
3,9%
14,0%
1,7%
2,1%
3,8%
100,0%
31.526,7
111.440,0
22.220,4
28.867,0
31.121,6
812.394,8
38.086,1
119.332,0
25.566,7
25.736,4
33.295,2
869.079,1
36.926,4
120.994,5
24.392,9
26.829,5
33.919,6
884.488,2
4,2%
13,7%
2,8%
3,0%
3,8%
100,0%
45,4%
17,1%
99,0%
56,6%
20,5%
24,5%
23,8%
12,4%
89,8%
64,0%
14,9%
15,3%
II.4. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT SEKTOR EKONOMI/OUTSTANDING MSM CREDITS BY ECONOMIC SECTORS
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Pertanian, perburuan dan sarana pertanian
21.210,0
3,2%
21.575,1
22.954,6
23.135,6
3,3%
23.602,2
24.648,0
3,2%
17.027,8
18.280,2
21.382,3
2,4%
-7,6%
/Agriculture,hunting and agricultural facilities
Pertambangan/Mining
1.824,2
0,3%
1.716,8
4.467,0
5.089,3
0,7%
4.452,1
4.261,9
0,6%
5.326,1
6.893,0
7.199,0
0,8%
41,5%
Perindustrian/Manufacturing Industry
46.487,3
7,0%
44.179,2
43.299,3
42.974,5
6,0%
42.214,6
44.602,8
5,8%
50.479,0
52.460,8
52.466,1
5,9%
22,1%
Listrik, Gas dan Air/Electricity, Gas & Water
560,9
0,1%
511,8
599,5
682,5
0,1%
685,8
705,8
0,1%
643,6
738,8
878,6
0,1%
28,7%
Konstruksi/Construction
17.140,1
2,6%
16.439,5
18.577,1
19.254,0
2,7%
20.490,3
19.338,6
2,5%
17.585,0
20.524,8
20.838,7
2,4%
8,2%
Perdagangan, restoran dan hotel/Trade,
166.677,4
25,2%
168.451,2
179.683,8
181.189,6
25,5%
187.822,0
198.249,0
25,9%
174.688,4
184.725,4
201.985,7
22,8%
11,5%
restaurants and hotels
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
8.656,5
1,3%
8.490,7
8.686,7
8.722,5
1,2%
8.881,8
9.323,2
1,2%
11.614,1
12.143,7
12.425,5
1,4%
42,5%
Jasa Dunia Usaha/Business Services
43.621,7
6,6%
42.760,3
44.605,7
44.728,3
6,3%
45.719,0
47.345,6
6,2%
51.723,6
51.392,4
50.178,8
5,7%
12,2%
Jasa Sosial/Social Services
7.608,0
1,2%
7.611,5
8.129,6
8.142,1
1,1%
8.551,7
8.762,8
1,1%
14.455,1
30.995,4
30.451,8
3,4%
274,0%
Lain-lain/Others
346.659,0
52,5%
352.060,9
370.333,2
376.545,4
53,0%
387.835,9
409.663,6
53,4%
468.851,9
490.924,7
486.681,7
55,0%
29,2%
Total/Total
660.445,3
100,0%
663.797,0
701.336,6
710.463,8
100,0%
730.255,3
766.901,4
100,0%
812.394,8
869.079,1
884.488,2
100,0%
24,5%
1
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
*) Angka Sementara/Preliminary Figures
Juli 2010.xlsx03/09/2010
Des 09 - Juli 10
-13,2%
68,9%
17,6%
24,5%
7,8%
1,9%
33,3%
6,0%
247,5%
18,8%
15,3%
3
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.5. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT JENIS PENGGUNAAN/OUTSTANDING OF MSM CREDITS BY TYPE OF UTILIZATION
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Kredit Modal Kerja/Working Capital Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Kredit Investasi/Investment Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Kredit Konsumsi/Consumer Credits
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
Total/Total
- Kredit Mikro/Micro Credits
- Kredit Kecil/Small Credits
- Kredit Menengah/Medium Credits
260.965,4
50.134,9
70.775,8
140.054,7
56.119,4
10.288,4
15.138,1
30.692,9
343.360,5
173.601,7
135.412,8
34.346,0
660.445,3
234.025,0
221.326,7
205.093,5
39,5%
21,4%
32,0%
68,3%
8,5%
4,4%
6,8%
15,0%
52,0%
74,2%
61,2%
16,7%
100,0%
35,4%
33,5%
31,1%
258.362,7
51.500,7
71.361,7
135.500,3
56.350,5
10.595,8
15.531,9
30.222,8
349.083,9
173.575,0
142.201,1
33.307,7
663.797,0
235.671,5
229.094,7
199.030,8
274.589,8
56.185,7
75.527,5
142.876,6
59.228,8
11.336,3
17.277,9
30.614,6
367.517,9
177.083,4
156.443,4
33.991,2
701.336,6
244.605,3
249.248,7
207.482,5
276.967,2
56.829,5
76.491,0
143.646,7
59.813,9
11.600,4
17.482,6
30.730,9
373.682,6
178.792,0
160.574,7
34.315,9
710.463,8
247.221,9
254.548,4
208.693,5
39,0%
23,0%
30,0%
68,8%
8,4%
4,7%
6,9%
14,7%
52,6%
72,3%
63,1%
16,4%
100,0%
34,8%
35,8%
29,4%
283.102,3
57.574,3
78.532,3
146.995,7
62.089,4
11.837,7
18.946,0
31.305,7
385.063,6
179.431,7
169.212,5
36.419,4
730.255,3
248.843,7
266.690,8
214.720,8
294.159,6
58.382,1
80.243,6
155.533,8
65.516,4
12.199,1
20.735,0
32.582,2
407.225,4
184.567,3
183.039,2
39.618,9
766.901,4
255.148,6
284.017,9
227.734,9
38,4%
22,9%
28,3%
68,3%
8,5%
4,8%
7,3%
14,3%
53,1%
72,3%
64,4%
17,4%
100,0%
33,3%
37,0%
29,7%
307.133,9
73.319,3
79.991,2
153.823,4
71.225,9
12.308,3
23.569,3
35.348,3
434.035,0
178.015,1
210.992,4
45.027,5
812.394,8
263.642,7
314.552,9
234.199,2
329.919,9
79.435,1
85.182,9
165.301,9
84.833,4
16.354,8
31.319,8
37.158,8
454.325,9
178.546,8
226.198,4
49.580,7
869.079,1
274.336,7
342.701,2
252.041,3
334.459,9
82.712,5
87.049,6
164.697,7
86.765,3
16.632,6
32.249,7
37.883,0
463.263,0
180.033,8
232.363,0
50.866,3
884.488,2
279.378,9
351.662,3
253.447,0
37,8%
29,6%
24,8%
65,0%
9,8%
6,0%
9,2%
14,9%
52,4%
64,4%
66,1%
20,1%
100,0%
31,6%
39,8%
28,7%
Des 09 - Juli 10
20,8%
45,5%
13,8%
14,7%
45,1%
43,4%
84,5%
23,3%
24,0%
0,7%
44,7%
48,2%
24,5%
13,0%
38,2%
21,4%
13,7%
41,7%
8,5%
5,9%
32,4%
36,3%
55,5%
16,3%
13,8%
-2,5%
26,9%
28,4%
15,3%
9,5%
23,8%
11,3%
II.6. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PROPINSI di JAWA-BALI & NASIONAL/OUTSTANDING OF MSM CREDITS BY PROVINCES IN JAVA AND BALI
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
Jawa Bali/Java & Bali
Di luar Jawa Bali/Outside Java & Bali
Nasional/National
435.422,0
225.023,3
660.445,3
65,9%
34,1%
100,0%
434.825,2
228.971,8
663.797,0
457.056,7
244.279,8
701.336,6
463.594,7
246.869,1
710.463,8
65,3%
34,7%
100,0%
473.382,2
256.873,1
730.255,3
496.573,0
270.328,4
766.901,4
64,8%
35,2%
100,0%
538.057,0
274.337,9
812.394,8
571.212,6
297.866,5
869.079,1
587.645,6
296.842,6
884.488,2
66,4%
33,6%
100,0%
Des 09 - Juli 10
26,8%
20,2%
24,5%
18,3%
9,8%
15,3%
II.7. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT 10 LOKASI PROYEK PER PROPINSI TERBESAR/OUTSTANDING OF MSM CREDITS BY 10 MAIN PROJECT LOCATIONS BY PROVINCES
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
1. DKI Jakarta/DKI Jakarta
2. Jawa Barat/West Java
3. Jawa Timur/East Java
4. Jawa Tengah/Central Java
5. Sumatera Utara/North Sumatra
6. Banten/Banten
7. Sulawesi Selatan/South Sulawesi b
8. Riau/Riau a
9. Bali/Bali
10. Sumatera Selatan/South Sumatera
Total 10 Propinsi/Total of 10 Provinces
Propinsi Lainnya/Other Provinces
Total Kredit MKM Nasional/Total of National's
MSM Credits
1
137.231,6
102.128,9
77.308,7
63.384,6
34.495,9
29.884,5
22.410,4
17.020,4
16.311,4
14.289,2
514.465,6
145.979,7
660.445,3
20,8%
15,5%
11,7%
9,6%
5,2%
4,5%
3,4%
2,6%
2,5%
2,2%
77,9%
133.817,4
103.425,1
78.499,4
63.833,5
34.552,2
29.148,9
22.834,2
17.380,7
16.765,7
14.745,1
515.002,2
148.794,8
143.407,7
108.727,3
81.425,3
66.878,3
36.292,4
29.274,3
24.210,9
18.449,0
17.582,3
16.153,6
542.401,1
158.935,4
147.407,6
109.909,0
81.899,8
67.562,1
36.612,5
29.322,6
24.349,7
18.694,5
17.657,3
16.604,9
550.020,0
160.443,8
663.797,0
701.336,6
710.463,8
20,7%
15,5%
11,5%
9,5%
5,2%
4,1%
3,4%
2,6%
2,5%
2,3%
77,4%
148.208,5
112.633,3
84.395,0
69.527,1
38.236,4
30.117,3
24.949,4
19.455,5
18.351,3
17.152,0
563.025,9
167.229,4
155.941,7
117.856,5
89.356,9
72.038,8
39.863,5
31.647,8
27.048,4
20.208,6
19.236,2
18.343,2
591.541,6
175.359,8
730.255,3
766.901,4
20,3%
15,4%
11,7%
9,4%
5,2%
4,1%
3,5%
2,6%
2,5%
2,4%
77,1%
186.281,9
121.720,1
91.849,1
73.568,6
41.066,8
34.104,5
27.983,4
20.574,4
19.867,0
19.049,9
636.065,9
176.329,0
191.832,5
133.069,1
98.081,0
78.808,9
43.237,6
36.936,3
30.077,5
22.582,6
21.053,4
20.714,2
676.393,0
192.686,1
211.257,1
131.991,1
97.040,2
77.213,9
43.619,1
37.774,2
29.781,0
22.598,4
21.010,4
20.689,5
692.974,9
191.513,3
812.394,8
869.079,1
884.488,2
23,9%
14,9%
11,0%
8,7%
4,9%
4,3%
3,4%
2,6%
2,4%
2,3%
78,3%
Des 09 - Juli 10
43,3%
20,1%
18,5%
14,3%
19,1%
28,8%
22,3%
20,9%
19,0%
24,6%
26,0%
19,4%
35,5%
12,0%
8,6%
7,2%
9,4%
19,4%
10,1%
11,8%
9,2%
12,8%
17,1%
9,2%
24,5%
15,3%
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
*) Angka Sementara/Preliminary Figures
4
Juli 2010.xlsx03/09/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1
POSISI/POSITION : JULI/JULY 2010
II.8. PERKEMBANGAN BAKI DEBET KREDIT MKM di KAWASAN INDONESIA TIMUR (KTI)/ OUTSTANDING OF MSM CREDITS BY PROVINCES IN EASTERN INDONESIAN AREA (EIA)
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2009
2009
2009
Pangsa/
Share
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Juli/July
2010 *)
2010 *)
2010 *)
Pangsa/
Share
Pertumbuhan/
Growth
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Growth
Juli 09 - Juli 10
1. Sulawesi Selatan/South Sulawesi
2. Kalimantan Timur/East Kalimantan
3. Sulawesi Utara/North Sulawesi
4. Kalimantan Selatan/South Kalimantan
5. Kalimantan Barat/West Kalimantan
6. NTB/West Nusa Tenggara
7. Sulawesi Tengah/Central Sulawesi
8. NTT/East Nusa Tenggara
9. Papua/Papua
10. Kalimantan Tengah/Central Kalimantan
11. Sulawesi Tenggara/Southeast Sulawesi
12. Maluku/Maluku
13. Maluku Utara/North Maluku
14. Gorontalo/Gorontalo c
d
15. Papua Barat/West Papua
16. Sulawesi Barat/West Sulawesi e
22.410,4
14.099,0
8.371,8
8.989,2
7.949,9
6.674,8
5.788,6
5.608,1
4.530,2
3.530,9
3.915,3
2.327,4
1.229,0
2.037,5
1.486,3
1.782,9
22,2%
14,0%
8,3%
8,9%
7,9%
6,6%
5,7%
5,6%
4,5%
3,5%
3,9%
2,3%
1,2%
2,0%
1,5%
1,8%
22.834,2
14.184,0
8.564,2
9.229,2
8.096,9
7.035,8
5.923,4
5.732,6
4.655,9
3.753,1
4.076,9
2.440,2
1.314,3
2.146,7
1.505,4
1.519,3
24.210,9
14.979,8
8.848,4
9.749,0
8.679,3
7.467,1
6.416,8
6.262,2
5.160,0
4.278,9
4.283,0
2.701,0
1.475,7
2.493,0
1.724,2
1.633,9
24.349,7
15.170,6
8.748,1
9.845,4
8.786,9
7.556,4
6.423,9
6.388,6
5.268,7
4.352,8
4.341,9
2.733,2
1.520,8
2.585,7
1.774,4
1.654,3
21,8%
13,6%
7,8%
8,8%
7,9%
6,8%
5,8%
5,7%
4,7%
3,9%
3,9%
2,5%
1,4%
2,3%
1,6%
1,5%
24.949,4
15.790,9
9.362,0
10.322,2
9.135,1
7.695,9
6.702,6
6.609,7
5.561,3
4.538,6
4.501,8
3.418,2
1.520,4
2.768,8
1.819,6
1.755,3
27.048,4
16.457,3
9.942,3
10.674,7
9.762,0
8.088,2
6.983,7
6.899,6
5.802,3
4.761,1
4.767,0
3.023,4
1.647,2
3.021,4
2.042,9
1.806,7
22,0%
13,4%
8,1%
8,7%
8,0%
6,6%
5,7%
5,6%
4,7%
3,9%
3,9%
2,5%
1,3%
2,5%
1,7%
1,5%
27.983,4
17.283,0
11.341,0
11.009,8
10.147,8
8.429,1
7.154,2
6.847,8
6.236,5
5.033,8
4.484,0
2.997,9
1.502,8
1.777,0
986,0
463,8
30.077,5
18.816,0
12.882,8
11.932,6
10.936,6
9.401,8
7.928,5
7.703,9
6.785,5
5.465,6
5.075,7
3.425,4
1.612,8
1.285,8
1.258,4
1.042,3
29.781,0
18.911,9
12.567,0
11.799,4
10.933,2
9.172,3
7.522,8
7.439,6
6.525,2
5.403,9
4.810,7
3.329,1
1.586,7
1.195,5
1.591,3
914,6
22,3%
14,2%
9,4%
8,8%
8,2%
6,9%
5,6%
5,6%
4,9%
4,0%
3,6%
2,5%
1,2%
0,9%
1,2%
0,7%
22,3%
24,7%
43,7%
19,8%
24,4%
21,4%
17,1%
16,5%
23,8%
24,1%
10,8%
21,8%
4,3%
-53,8%
-10,3%
-44,7%
10,1%
14,9%
26,4%
10,5%
12,0%
13,4%
7,7%
7,8%
12,5%
13,5%
0,9%
10,1%
-3,7%
-60,4%
-22,1%
-49,4%
100.731,5
2.362,4
2,35%
18.882,3
3,37%
660.445,3
100,0%
103.012,2
2.974,3
2,89%
21.371
3,81%
663.797,0
110.363,2
3.305,4
3,00%
22.775
3,85%
701.336,6
111.501,4
3.478,5
3,12%
22.516,2
3,76%
710.463,8
100,0%
116.451,7
3.595,2
3,09%
23.371
3,81%
730.255,3
122.728,4
3.122,8
2,54%
21.622
3,36%
766.901,4
100,0%
123.678,2
3.249,0
2,63%
24.693,6
3,59%
812.394,8
135.631,4
3.325,3
2,45%
22.387,0
3,05%
869.079,1
133.484,1
3.512,7
2,63%
22.987,7
3,06%
884.488,2
100,0%
19,7%
1,0%
8,8%
12,5%
2,1%
6,3%
24,5%
15,3%
559.713,8
560.784,8
590.973,4
598.962,4
613.803,6
644.173,0
688.716,6
733.447,8
751.004,1
25,4%
16,6%
% KBI thd Kredit MKM Nasional/Contribution of
MSM Credits in WIA to National MSM Credits
84,7%
84,5%
84,3%
84,3%
84,1%
84,0%
84,8%
84,4%
84,9%
% KTI thd total Kredit MKM/ Contribution of MSM
Credits in EIA to National's MSM Credits
15,3%
15,5%
15,7%
15,7%
15,9%
16,0%
15,2%
15,6%
15,1%
Total Kredit MKM KTI/Total of MSM Credits in EIA
Total NPL KTI/Total of NPL in EIA r
% NPL KTI/% of NPL in EIA r
Total NPL KBI/Total of NPL in WIA r
% NPL KBI/% of NPL in WIA r
Total Kredit MKM/Total of MSM Credits
Total Kredit MKM KBI/Total of MSM Credits in
Western Indonesian Area (WIA)
1
Des 09 - Juli 10
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS/Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs),
processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit/ MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah/Includes financing of Islamic Banks.
Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.
r = angka revisi sejak Triwulan IV 2008 s.d Triwulan III 2009/Revised figures since 4th Quarter 2008 to 3rd Quarter 2009.
*) Angka Sementara/Preliminary Figures
5
Juli 2010.xlsx03/09/2010