ProdukHukum BankIndonesia
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
651.425,2
635.140,9
29.936,5
23.407.065
1.316.502,6
49,5%
48,2%
2,3%
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
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%
719.340,6
687.675,6
30.746,1
23.153.124
1.437.762,3
50,0%
47,8%
2,1%
100,0%
10,4%
8,3%
2,7%
-1,1%
9,2%
Des 09 - Jan 10
-6,2%
3,5%
-14,7%
-7,0%
-2,0%
II.2. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON/OUTSTANDING MSM CREDITS BY PLAFOND
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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 - Jan 10
234.025,0
35,4%
234.511,4
36,0%
235.671,5
244.605,3
248.843,7
255.148,6
33,3%
201.318,1
28,0%
-14,2%
-21,1%
221.395,0
33,5%
220.657,3
33,9%
229.094,7
249.248,7
266.690,8
284.017,9
37,0%
296.925,5
41,3%
34,6%
4,5%
205.025,3
660.445,3
31,0%
100,0%
196.256,5
651.425,2
30,1%
100,0%
199.030,8
663.797,0
207.482,5
701.336,6
214.720,8
730.255,3
227.734,9
766.901,4
29,7%
100,0%
221.097,0
719.340,6
30,7%
100,0%
12,7%
10,4%
-2,9%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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 - Jan 10
230.152,2
34,8%
227.039,7
34,9%
235.747,6
258.419,6
268.680,5
285.133,8
37,2%
221.412,8
30,8%
-2,5%
-22,3%
267.228,1
40,5%
260.945,8
40,1%
256.553,6
262.020,4
269.729,6
285.537,3
37,2%
283.758,6
39,4%
8,7%
-0,6%
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%
23.518,4
88.018,3
8.419,7
17.039,6
26.443,8
651.425,2
3,6%
13,5%
1,3%
2,6%
4,1%
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
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%
29.497,6
107.297,9
19.965,5
27.564,0
29.844,1
719.340,6
4,1%
14,9%
2,8%
3,8%
4,1%
100,0%
25,4%
21,9%
137,1%
61,8%
12,9%
10,4%
-1,1%
-0,4%
55,4%
68,5%
1,1%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 10
Des 09 - Jan 10
Pertanian, perburuan dan sarana pertanian
21.210,0
3,2%
20.883,8
3,2%
21.575,1
22.954,6
23.602,2
24.648,0
3,2%
14.739,7
2,0%
-29,4%
-40,2%
/Agriculture,hunting and agricultural facilities
Pertambangan/Mining
1.824,2
0,3%
1.658,8
0,3%
1.716,8
4.467,0
4.452,1
4.261,9
0,6%
2.204,0
0,3%
32,9%
-48,3%
Perindustrian/Manufacturing Industry
46.487,3
7,0%
45.128,9
6,9%
44.179,2
43.299,3
42.214,6
44.602,8
5,8%
48.367,9
6,7%
7,2%
8,4%
Listrik, Gas dan Air/Electricity, Gas & Water
560,9
0,1%
550,1
0,1%
511,8
599,5
685,8
705,8
0,1%
606,9
0,1%
10,3%
-14,0%
Konstruksi/Construction
17.140,1
2,6%
15.825,7
2,4%
16.439,5
18.577,1
20.490,3
19.338,6
2,5%
16.696,3
2,3%
5,5%
-13,7%
Perdagangan, restoran dan hotel/Trade,
166.677,4
25,2%
161.645,5
24,8%
168.451,2
179.683,8
187.822,0
198.249,0
25,9%
148.246,4
20,6%
-8,3%
-25,2%
restaurants and hotels
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
8.656,5
1,3%
8.461,3
1,3%
8.490,7
8.686,7
8.881,8
9.323,2
1,2%
11.234,6
1,6%
32,8%
20,5%
Jasa Dunia Usaha/Business Services
43.621,7
6,6%
42.776,8
6,6%
42.760,3
44.605,7
45.719,0
47.345,6
6,2%
44.835,7
6,2%
4,8%
-5,3%
Jasa Sosial/Social Services
7.608,0
1,2%
7.608,9
1,2%
7.611,5
8.129,6
8.551,7
8.762,8
1,1%
13.716,2
1,9%
80,3%
56,5%
Lain-lain/Others
346.659,0
52,5%
346.885,4
53,3%
352.060,9
370.333,2
387.835,9
409.663,6
53,4%
418.693,0
58,2%
20,7%
2,2%
Total/Total
660.445,3
100,0%
651.425,2
100,0%
663.797,0
701.336,6
730.255,3
766.901,4
100,0%
719.340,6
100,0%
10,4%
-6,2%
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.
3
*) Angka Sementara/Preliminary Figures
Jan 2010.xlsx17/03/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
251.570,8
50.810,7
68.919,0
131.841,1
56.005,0
10.505,4
14.918,2
30.581,4
343.849,4
173.195,2
136.820,1
33.834,0
651.425,2
234.511,4
220.657,3
196.256,5
38,6%
21,7%
31,2%
67,2%
8,6%
4,5%
6,8%
15,6%
52,8%
73,9%
62,0%
17,2%
100,0%
36,0%
33,9%
30,1%
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
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%
261.888,7
45.596,6
74.130,6
142.161,5
67.548,0
9.607,6
21.725,1
36.215,3
389.904,0
146.114,0
201.069,8
42.720,3
719.340,6
201.318,1
296.925,5
221.097,0
36,4%
22,6%
25,0%
64,3%
9,4%
4,8%
7,3%
16,4%
54,2%
72,6%
67,7%
19,3%
100,0%
28,0%
41,3%
30,7%
4,1%
-10,3%
7,6%
7,8%
20,6%
-8,5%
45,6%
18,4%
13,4%
-15,6%
47,0%
26,3%
10,4%
-14,2%
34,6%
12,7%
Des 09 - Jan 10
-11,0%
-21,9%
-7,6%
-8,6%
3,1%
-21,2%
4,8%
11,2%
-4,3%
-20,8%
9,9%
7,8%
-6,2%
-21,1%
4,5%
-2,9%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
435.386,2
216.039,0
651.425,2
66,8%
33,2%
100,0%
434.825,2
228.971,8
663.797,0
457.056,7
244.279,8
701.336,6
473.382,2
256.873,1
730.255,3
496.573,0
270.328,4
766.901,4
64,8%
35,2%
100,0%
482.705,5
236.635,1
719.340,6
67,1%
32,9%
100,0%
10,9%
9,5%
10,4%
Des 09 - Jan 10
-2,8%
-12,5%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
134.636,6
101.339,5
76.098,7
62.519,9
33.832,7
29.400,4
22.314,1
16.925,5
16.237,0
14.163,7
507.468,3
143.956,9
651.425,2
20,7%
15,6%
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
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
663.797,0
701.336,6
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%
170.007,9
109.773,1
80.720,6
63.097,4
36.475,5
31.426,3
23.832,9
18.349,8
18.203,3
16.429,4
568.316,3
151.024,3
719.340,6
23,6%
15,3%
11,2%
8,8%
5,1%
4,4%
3,3%
2,6%
2,5%
2,3%
79,0%
Des 09 - Jan 10
26,3%
8,3%
6,1%
0,9%
7,8%
6,9%
6,8%
8,4%
12,1%
16,0%
12,0%
4,9%
9,0%
-6,9%
-9,7%
-12,4%
-8,5%
-0,7%
-11,9%
-9,2%
-5,4%
-10,4%
-3,9%
-13,9%
10,4%
-6,2%
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
Jan 2010.xlsx17/03/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 10
1. Sulawesi Selatan/South Sulawesi
2. Kalimantan Timur/East Kalimantan
3. Kalimantan Selatan/South Kalimantan
4. Sulawesi Utara/North Sulawesi
5. Kalimantan Barat/West Kalimantan
6. NTB/West Nusa Tenggara
7. Sulawesi Tengah/Central Sulawesi
8. NTT/East Nusa Tenggara
9. Papua/Papua
10. Sulawesi Tenggara/Southeast Sulawesi
11. Kalimantan Tengah/Central Kalimantan
12. Maluku/Maluku
c
13. Gorontalo/Gorontalo
14. Maluku Utara/North Maluku
15. Papua Barat/West Papua d
e
16. Sulawesi Barat/West Sulawesi
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 - Jan 10
22.410,4
14.099,0
8.989,2
8.371,8
7.949,9
6.674,8
5.788,6
5.608,1
4.530,2
3.915,3
3.530,9
2.327,4
2.037,5
1.229,0
1.486,3
1.782,9
22,2%
14,0%
8,9%
8,3%
7,9%
6,6%
5,7%
5,6%
4,5%
3,9%
3,5%
2,3%
2,0%
1,2%
1,5%
1,8%
22.314,1
13.701,4
8.913,6
8.221,6
7.842,4
6.686,6
5.641,4
5.519,0
4.415,0
3.905,7
3.521,0
2.281,8
2.087,4
1.235,6
1.430,0
1.487,2
22,5%
13,8%
9,0%
8,3%
7,9%
6,7%
5,7%
5,6%
4,5%
3,9%
3,5%
2,3%
2,1%
1,2%
1,4%
1,5%
22.834,2
14.184,0
9.229,2
8.564,2
8.096,9
7.035,8
5.923,4
5.732,6
4.655,9
4.076,9
3.753,1
2.440,2
2.146,7
1.314,3
1.505,4
1.519,3
24.210,9
14.979,8
9.749,0
8.848,4
8.679,3
7.467,1
6.416,8
6.262,2
5.160,0
4.283,0
4.278,9
2.701,0
2.493,0
1.475,7
1.724,2
1.633,9
24.949,4
15.790,9
10.322,2
9.362,0
9.135,1
7.695,9
6.702,6
6.609,7
5.561,3
4.501,8
4.538,6
3.418,2
2.768,8
1.520,4
1.819,6
1.755,3
27.048,4
16.457,3
10.674,7
9.942,3
9.762,0
8.088,2
6.983,7
6.899,6
5.802,3
4.767,0
4.761,1
3.023,4
3.021,4
1.647,2
2.042,9
1.806,7
22,0%
13,4%
8,7%
8,1%
8,0%
6,6%
5,7%
5,6%
4,7%
3,9%
3,9%
2,5%
2,5%
1,3%
1,7%
1,5%
23.832,9
15.202,6
9.599,8
9.687,1
8.941,0
6.585,8
5.609,6
5.180,1
5.028,7
3.567,8
4.053,0
2.511,9
1.250,4
1.179,2
891,3
625,7
23,0%
14,7%
9,3%
9,3%
8,6%
6,3%
5,4%
5,0%
4,8%
3,4%
3,9%
2,4%
1,2%
1,1%
0,9%
0,6%
6,8%
11,0%
7,7%
17,8%
14,0%
-1,5%
-0,6%
-6,1%
13,9%
-8,6%
15,1%
10,1%
-40,1%
-4,6%
-37,7%
-57,9%
-11,9%
-7,6%
-10,1%
-2,6%
-8,4%
-18,6%
-19,7%
-24,9%
-13,3%
-25,2%
-14,9%
-16,9%
-58,6%
-28,4%
-56,4%
-65,4%
100.731,5
2.362,4
2,35%
18.882,3
3,37%
660.445,3
100,0%
99.203,8
2.618,2
2,64%
20.637
3,74%
651.425,2
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
116.451,7
3.595,2
3,09%
23.371
3,81%
730.255,3
122.728,4
3.122,6
2,54%
21.622
3,36%
766.901,4
100,0%
103.746,8
3.134,0
3,02%
22.713
3,69%
719.340,6
100,0%
4,6%
19,7%
-15,5%
0,4%
10,1%
5,0%
10,4%
-6,2%
11,5%
-4,4%
559.713,8
552.221,4
560.784,8
590.973,4
613.803,6
644.173,0
615.593,8
% KBI thd Kredit MKM Nasional/Contribution of
MSM Credits in WIA to National MSM Credits
84,7%
84,8%
84,5%
84,3%
84,1%
84,0%
85,6%
% KTI thd total Kredit MKM/ Contribution of MSM
Credits in EIA to National's MSM Credits
15,3%
15,2%
15,5%
15,7%
15,9%
16,0%
14,4%
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.
Baki debet kredit MKM wilayah Kawasan Barat Indonesia termasuk Luar Indonesia/Outstanding credits of Western Indonesian Area includes outstanding MSM credit of Outside Indonesia.
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
Jan 2010.xlsx17/03/2010
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
651.425,2
635.140,9
29.936,5
23.407.065
1.316.502,6
49,5%
48,2%
2,3%
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
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%
719.340,6
687.675,6
30.746,1
23.153.124
1.437.762,3
50,0%
47,8%
2,1%
100,0%
10,4%
8,3%
2,7%
-1,1%
9,2%
Des 09 - Jan 10
-6,2%
3,5%
-14,7%
-7,0%
-2,0%
II.2. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON/OUTSTANDING MSM CREDITS BY PLAFOND
Tw IV/Qrt IV
Baki Debet/Outstanding
2008
Pangsa/
Share
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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 - Jan 10
234.025,0
35,4%
234.511,4
36,0%
235.671,5
244.605,3
248.843,7
255.148,6
33,3%
201.318,1
28,0%
-14,2%
-21,1%
221.395,0
33,5%
220.657,3
33,9%
229.094,7
249.248,7
266.690,8
284.017,9
37,0%
296.925,5
41,3%
34,6%
4,5%
205.025,3
660.445,3
31,0%
100,0%
196.256,5
651.425,2
30,1%
100,0%
199.030,8
663.797,0
207.482,5
701.336,6
214.720,8
730.255,3
227.734,9
766.901,4
29,7%
100,0%
221.097,0
719.340,6
30,7%
100,0%
12,7%
10,4%
-2,9%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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 - Jan 10
230.152,2
34,8%
227.039,7
34,9%
235.747,6
258.419,6
268.680,5
285.133,8
37,2%
221.412,8
30,8%
-2,5%
-22,3%
267.228,1
40,5%
260.945,8
40,1%
256.553,6
262.020,4
269.729,6
285.537,3
37,2%
283.758,6
39,4%
8,7%
-0,6%
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%
23.518,4
88.018,3
8.419,7
17.039,6
26.443,8
651.425,2
3,6%
13,5%
1,3%
2,6%
4,1%
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
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%
29.497,6
107.297,9
19.965,5
27.564,0
29.844,1
719.340,6
4,1%
14,9%
2,8%
3,8%
4,1%
100,0%
25,4%
21,9%
137,1%
61,8%
12,9%
10,4%
-1,1%
-0,4%
55,4%
68,5%
1,1%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 10
Des 09 - Jan 10
Pertanian, perburuan dan sarana pertanian
21.210,0
3,2%
20.883,8
3,2%
21.575,1
22.954,6
23.602,2
24.648,0
3,2%
14.739,7
2,0%
-29,4%
-40,2%
/Agriculture,hunting and agricultural facilities
Pertambangan/Mining
1.824,2
0,3%
1.658,8
0,3%
1.716,8
4.467,0
4.452,1
4.261,9
0,6%
2.204,0
0,3%
32,9%
-48,3%
Perindustrian/Manufacturing Industry
46.487,3
7,0%
45.128,9
6,9%
44.179,2
43.299,3
42.214,6
44.602,8
5,8%
48.367,9
6,7%
7,2%
8,4%
Listrik, Gas dan Air/Electricity, Gas & Water
560,9
0,1%
550,1
0,1%
511,8
599,5
685,8
705,8
0,1%
606,9
0,1%
10,3%
-14,0%
Konstruksi/Construction
17.140,1
2,6%
15.825,7
2,4%
16.439,5
18.577,1
20.490,3
19.338,6
2,5%
16.696,3
2,3%
5,5%
-13,7%
Perdagangan, restoran dan hotel/Trade,
166.677,4
25,2%
161.645,5
24,8%
168.451,2
179.683,8
187.822,0
198.249,0
25,9%
148.246,4
20,6%
-8,3%
-25,2%
restaurants and hotels
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
8.656,5
1,3%
8.461,3
1,3%
8.490,7
8.686,7
8.881,8
9.323,2
1,2%
11.234,6
1,6%
32,8%
20,5%
Jasa Dunia Usaha/Business Services
43.621,7
6,6%
42.776,8
6,6%
42.760,3
44.605,7
45.719,0
47.345,6
6,2%
44.835,7
6,2%
4,8%
-5,3%
Jasa Sosial/Social Services
7.608,0
1,2%
7.608,9
1,2%
7.611,5
8.129,6
8.551,7
8.762,8
1,1%
13.716,2
1,9%
80,3%
56,5%
Lain-lain/Others
346.659,0
52,5%
346.885,4
53,3%
352.060,9
370.333,2
387.835,9
409.663,6
53,4%
418.693,0
58,2%
20,7%
2,2%
Total/Total
660.445,3
100,0%
651.425,2
100,0%
663.797,0
701.336,6
730.255,3
766.901,4
100,0%
719.340,6
100,0%
10,4%
-6,2%
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.
3
*) Angka Sementara/Preliminary Figures
Jan 2010.xlsx17/03/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
251.570,8
50.810,7
68.919,0
131.841,1
56.005,0
10.505,4
14.918,2
30.581,4
343.849,4
173.195,2
136.820,1
33.834,0
651.425,2
234.511,4
220.657,3
196.256,5
38,6%
21,7%
31,2%
67,2%
8,6%
4,5%
6,8%
15,6%
52,8%
73,9%
62,0%
17,2%
100,0%
36,0%
33,9%
30,1%
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
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%
261.888,7
45.596,6
74.130,6
142.161,5
67.548,0
9.607,6
21.725,1
36.215,3
389.904,0
146.114,0
201.069,8
42.720,3
719.340,6
201.318,1
296.925,5
221.097,0
36,4%
22,6%
25,0%
64,3%
9,4%
4,8%
7,3%
16,4%
54,2%
72,6%
67,7%
19,3%
100,0%
28,0%
41,3%
30,7%
4,1%
-10,3%
7,6%
7,8%
20,6%
-8,5%
45,6%
18,4%
13,4%
-15,6%
47,0%
26,3%
10,4%
-14,2%
34,6%
12,7%
Des 09 - Jan 10
-11,0%
-21,9%
-7,6%
-8,6%
3,1%
-21,2%
4,8%
11,2%
-4,3%
-20,8%
9,9%
7,8%
-6,2%
-21,1%
4,5%
-2,9%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
435.386,2
216.039,0
651.425,2
66,8%
33,2%
100,0%
434.825,2
228.971,8
663.797,0
457.056,7
244.279,8
701.336,6
473.382,2
256.873,1
730.255,3
496.573,0
270.328,4
766.901,4
64,8%
35,2%
100,0%
482.705,5
236.635,1
719.340,6
67,1%
32,9%
100,0%
10,9%
9,5%
10,4%
Des 09 - Jan 10
-2,8%
-12,5%
-6,2%
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 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%
134.636,6
101.339,5
76.098,7
62.519,9
33.832,7
29.400,4
22.314,1
16.925,5
16.237,0
14.163,7
507.468,3
143.956,9
651.425,2
20,7%
15,6%
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
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
663.797,0
701.336,6
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%
170.007,9
109.773,1
80.720,6
63.097,4
36.475,5
31.426,3
23.832,9
18.349,8
18.203,3
16.429,4
568.316,3
151.024,3
719.340,6
23,6%
15,3%
11,2%
8,8%
5,1%
4,4%
3,3%
2,6%
2,5%
2,3%
79,0%
Des 09 - Jan 10
26,3%
8,3%
6,1%
0,9%
7,8%
6,9%
6,8%
8,4%
12,1%
16,0%
12,0%
4,9%
9,0%
-6,9%
-9,7%
-12,4%
-8,5%
-0,7%
-11,9%
-9,2%
-5,4%
-10,4%
-3,9%
-13,9%
10,4%
-6,2%
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
Jan 2010.xlsx17/03/2010
PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
POSISI/POSITION : JANUARI/JANUARY 2010
1
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
Jan/Jan
2009
Pangsa/
Share
Tw I/Qrt I
Tw II/Qrt II
Tw III/Qrt III
Tw IV/Qrt IV
2009
2009
2009
2009
Pangsa/
Share
Jan/Jan
2010 *)
Pangsa/
Share
(Miliar Rp/Billions of IDR )
Pertumbuhan/
Pertumbuhan/
Growth
Growth
Jan 09 - Jan 10
1. Sulawesi Selatan/South Sulawesi
2. Kalimantan Timur/East Kalimantan
3. Kalimantan Selatan/South Kalimantan
4. Sulawesi Utara/North Sulawesi
5. Kalimantan Barat/West Kalimantan
6. NTB/West Nusa Tenggara
7. Sulawesi Tengah/Central Sulawesi
8. NTT/East Nusa Tenggara
9. Papua/Papua
10. Sulawesi Tenggara/Southeast Sulawesi
11. Kalimantan Tengah/Central Kalimantan
12. Maluku/Maluku
c
13. Gorontalo/Gorontalo
14. Maluku Utara/North Maluku
15. Papua Barat/West Papua d
e
16. Sulawesi Barat/West Sulawesi
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 - Jan 10
22.410,4
14.099,0
8.989,2
8.371,8
7.949,9
6.674,8
5.788,6
5.608,1
4.530,2
3.915,3
3.530,9
2.327,4
2.037,5
1.229,0
1.486,3
1.782,9
22,2%
14,0%
8,9%
8,3%
7,9%
6,6%
5,7%
5,6%
4,5%
3,9%
3,5%
2,3%
2,0%
1,2%
1,5%
1,8%
22.314,1
13.701,4
8.913,6
8.221,6
7.842,4
6.686,6
5.641,4
5.519,0
4.415,0
3.905,7
3.521,0
2.281,8
2.087,4
1.235,6
1.430,0
1.487,2
22,5%
13,8%
9,0%
8,3%
7,9%
6,7%
5,7%
5,6%
4,5%
3,9%
3,5%
2,3%
2,1%
1,2%
1,4%
1,5%
22.834,2
14.184,0
9.229,2
8.564,2
8.096,9
7.035,8
5.923,4
5.732,6
4.655,9
4.076,9
3.753,1
2.440,2
2.146,7
1.314,3
1.505,4
1.519,3
24.210,9
14.979,8
9.749,0
8.848,4
8.679,3
7.467,1
6.416,8
6.262,2
5.160,0
4.283,0
4.278,9
2.701,0
2.493,0
1.475,7
1.724,2
1.633,9
24.949,4
15.790,9
10.322,2
9.362,0
9.135,1
7.695,9
6.702,6
6.609,7
5.561,3
4.501,8
4.538,6
3.418,2
2.768,8
1.520,4
1.819,6
1.755,3
27.048,4
16.457,3
10.674,7
9.942,3
9.762,0
8.088,2
6.983,7
6.899,6
5.802,3
4.767,0
4.761,1
3.023,4
3.021,4
1.647,2
2.042,9
1.806,7
22,0%
13,4%
8,7%
8,1%
8,0%
6,6%
5,7%
5,6%
4,7%
3,9%
3,9%
2,5%
2,5%
1,3%
1,7%
1,5%
23.832,9
15.202,6
9.599,8
9.687,1
8.941,0
6.585,8
5.609,6
5.180,1
5.028,7
3.567,8
4.053,0
2.511,9
1.250,4
1.179,2
891,3
625,7
23,0%
14,7%
9,3%
9,3%
8,6%
6,3%
5,4%
5,0%
4,8%
3,4%
3,9%
2,4%
1,2%
1,1%
0,9%
0,6%
6,8%
11,0%
7,7%
17,8%
14,0%
-1,5%
-0,6%
-6,1%
13,9%
-8,6%
15,1%
10,1%
-40,1%
-4,6%
-37,7%
-57,9%
-11,9%
-7,6%
-10,1%
-2,6%
-8,4%
-18,6%
-19,7%
-24,9%
-13,3%
-25,2%
-14,9%
-16,9%
-58,6%
-28,4%
-56,4%
-65,4%
100.731,5
2.362,4
2,35%
18.882,3
3,37%
660.445,3
100,0%
99.203,8
2.618,2
2,64%
20.637
3,74%
651.425,2
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
116.451,7
3.595,2
3,09%
23.371
3,81%
730.255,3
122.728,4
3.122,6
2,54%
21.622
3,36%
766.901,4
100,0%
103.746,8
3.134,0
3,02%
22.713
3,69%
719.340,6
100,0%
4,6%
19,7%
-15,5%
0,4%
10,1%
5,0%
10,4%
-6,2%
11,5%
-4,4%
559.713,8
552.221,4
560.784,8
590.973,4
613.803,6
644.173,0
615.593,8
% KBI thd Kredit MKM Nasional/Contribution of
MSM Credits in WIA to National MSM Credits
84,7%
84,8%
84,5%
84,3%
84,1%
84,0%
85,6%
% KTI thd total Kredit MKM/ Contribution of MSM
Credits in EIA to National's MSM Credits
15,3%
15,2%
15,5%
15,7%
15,9%
16,0%
14,4%
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.
Baki debet kredit MKM wilayah Kawasan Barat Indonesia termasuk Luar Indonesia/Outstanding credits of Western Indonesian Area includes outstanding MSM credit of Outside Indonesia.
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
Jan 2010.xlsx17/03/2010