ProdukHukum BankIndonesia
PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1
NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS 1
POSISI/POSITION : JULI/JULY 2010
III. PERKEMBANGAN NPL KREDIT MKM/NPL OF MSM CREDITS
NPL Tw/Qrt IV 2008
Total
%
NPL Tw/Qrt I 2009
Total
%
NPL Tw/Qrt II 2009
Total
%
NPL Juli/July 2009
Total
%
NPL Tw/Qrt III 2009 NPL Tw /Qrt IV 2009
Total
%
Total
%
NPL Tw/Qrt I 2010 *)
Total
%
(Miliar Rp/Billions of IDR )
NPL Tw/Qrt II 2010 *) NPL Juli/July 2010 *)
Total
%
Total
%
Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits (up
to Rp50 million)
9.409,1
4,02%
10.883,1
4,62%
11.551,7
4,72%
10.722,5
4,34%
11.199,8
4,50%
11.027,8
4,32%
12.276,0
4,66%
9.343,6
3,41%
9.678,9
Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits
(>Rp50million - Rp500 million)
4.802,6
2,17%
5.525,9
2,41%
6.118,8
2,45%
6.403,1
2,52%
6.735,6
2,53%
5.810,3
2,05%
7.003,3
2,23%
7.345,5
2,14%
7.607,0
Kredit Menengah (>Rp500 jt-Rp5M)/Medium
Credits (>Rp500 million - Rp5 billion)
7.032,9
3,43%
7.935,9
3,99%
8.409,9
4,05%
8.869,1
4,25%
9.031,2
4,21%
7.906,3
3,47%
8.663,2
3,70%
9.023,2
3,58%
9.214,5
NPL-gross Kredit MKM/NPL-gross of MSM's
Credits **)
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Kredit Modal Kerja/ Working Capital Credits
11.967,4
4,59%
14.401,8
5,57%
15.574,0
5,67%
15.136,1
5,46%
15.777,8
5,57%
14.029,6
4,77%
13.365,6
4,35%
13.825,0
4,19%
14.239,4
Kredit Investasi/Investment Credits
2.768,4
4,93%
2.828,6
5,02%
3.140,0
5,30%
3.239,5
5,42%
3.213,8
5,18%
2.946,7
4,50%
3.037,0
4,26%
2.944,7
3,47%
3.215,9
Kredit Konsumsi/Consumer Credits
6.508,9
1,90%
7.114,6
2,04%
7.366,3
2,00%
7.619,0
2,04%
7.975,0
2,07%
7.768,1
1,91%
11.540,0
2,66%
8.942,6
1,97%
9.045,1
NPL-gross Kredit MKM/NPL-gross of MSM's
Credits
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Pertanian, perburuan dan sarana pertanian
/Agriculture,hunting and agricultural facilities
1.177,8
5,55%
1.449,1
6,72%
1.686,6
7,35%
1.666,8
7,20%
1.689,3
7,16%
1.586,9
6,44%
937,9
5,51%
770,3
4,21%
999,1
Pertambangan/Mining
96,5
5,29%
80,8
4,71%
94,6
2,12%
104,1
2,04%
97,2
2,18%
93,0
2,18%
94,9
1,78%
286,0
4,15%
119,3
Perindustrian/Manufacturing Industry
3.495,8
7,52%
4.211,7
9,53%
4.239,6
9,79%
3.427,4
7,98%
3.323,9
7,87%
2.646,7
5,93%
2.523,1
5,00%
2.457,7
4,68%
2.627,3
Listrik, Gas dan Air/Electricity, Gas & Water
7,6
1,35%
2,9
0,57%
6,6
1,10%
6,6
0,97%
13,8
2,02%
17,9
2,54%
17,3
2,69%
20,0
2,71%
20,3
Konstruksi/Construction
807,3
4,71%
1.043,0
6,34%
1.199,4
6,46%
1.308,8
6,80%
1.346,0
6,57%
1.186,3
6,13%
1.078,3
6,13%
1.286,0
6,27%
1.270,3
Perdagangan, restoran dan hotel/Trade,
restaurants and hotels
7.077,8
4,25%
8.028,1
4,77%
8.822,7
4,91%
9.069,0
5,01%
9.602,1
5,11%
8.840,7
4,46%
7.876,4
4,51%
7.682,9
4,16%
9.126,2
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
372,9
4,31%
391,6
4,61%
403,2
4,64%
449,5
5,15%
465,7
5,24%
414,8
4,45%
577,0
4,97%
588,3
4,84%
578,6
Jasa Dunia Usaha/Business Services
1.272,2
2,92%
1.462,7
3,42%
1.685,3
3,78%
1.735,5
3,88%
1.824,3
3,99%
1.604,8
3,39%
1.214,9
2,35%
1.188,2
2,31%
1.190,0
Jasa Sosial/Social Services
240,9
3,17%
289,2
3,80%
273,8
3,37%
286,2
3,51%
305,7
3,58%
292,0
3,33%
728,6
5,04%
986,9
3,18%
977,7
Lain-lain/Others
6.695,9
1,93%
7.386,0
2,10%
7.668,5
2,07%
7.940,8
2,11%
8.298,5
2,14%
8.061,3
1,97%
12.894,0
2,75%
10.446,0
2,13%
9.591,4
NPL-gross Kredit MKM/NPL-gross of MSM's
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Credits
Bank Persero/State Banks
7.812,2
3,39%
10.537,2
4,47%
11.405,7
4,41%
10.904,2
4,17%
11.518,7
4,29%
9.783,6
3,43%
8.674,2
3,00%
9.069,4
2,96%
9.418,4
Bank Swasta Nasional Devisa/Foreign
Exchange Private National Banks
7.075,9
2,65%
7.930,2
3,09%
8.296,6
3,17%
8.548,7
3,25%
8.605,3
3,19%
7.943,3
2,78%
8.300,2
2,79%
8.299,0
2,59%
8.637,4
Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks
364,6
1,55%
476,2
1,91%
440,1
1,82%
472,8
1,86%
534,9
1,98%
523,3
1,75%
637,4
2,02%
808,2
2,12%
810,8
BPD/Regional Development Banks
1.195,0
1,36%
1.486,8
1,62%
1.689,6
1,67%
1.788,0
1,73%
1.854,0
1,72%
1.660,7
1,54%
2.301,0
2,06%
2.497,2
2,09%
2.626,5
Bank Campuran/Joint Banks
277,6
3,26%
358,4
3,08%
641,8
5,32%
563,3
4,60%
563,7
4,53%
540,6
4,21%
655,8
2,95%
641,0
2,51%
628,4
Bank Asing/Foreign Banks
2.078,0
12,31%
1.545,5
9,39%
1.556,0
9,81%
1.605,7
9,37%
1.715,8
10,72%
2.268,6
13,87%
5.178,3
17,94%
2.212,8
8,60%
2.114,6
BPR-BPRS/Rural Banks-Islamic Rural Banks
2.441,5
9,21%
2.010,8
7,55%
2.050,5
7,39%
2.111,9
7,50%
2.174,2
7,53%
2.024,2
6,86%
2.195,7
7,06%
2.184,8
6,56%
2.264,2
NPL-gross Kredit MKM/NPL-gross of MSM's
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Credits
NPL-gross Kredit Non MKM/NPL-gross of
Non MSM's Credits
20.044,0
3,11%
26.548,7
4,15%
25.879,5
4,11%
27.627,1
4,43%
24.250,0
3,84%
20.939,6
3,15%
21.041,9
3,26%
21.952,2
3,04%
22.087,2
NPL-gross Perbankan/NPL-gross of
Banking's
44.493,5
3,33%
53.343,5
4,00%
54.723,7
4,02%
56.455,3
4,13%
54.170,6
3,88%
49.591,7
3,38%
51.021,0
3,43%
49.480,5
3,05%
50.434,9
NPL-net Kredit MKM/NPL-net of MSM's
Credits
5.503,2
0,83%
9.851,7
1,48%
11.424,6
1,63%
11.471,4
1,61%
11.839,0
1,62%
10.319,2
1,35%
12.003,5
1,48%
12.306,0
1,42%
12.588,5
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.
3,46%
2,16%
3,64%
3,00%
4,26%
3,71%
1,95%
3,00%
4,67%
1,66%
5,01%
2,31%
6,10%
4,52%
4,66%
2,37%
3,21%
1,97%
3,00%
3,02%
2,62%
2,20%
2,17%
2,58%
7,88%
6,68%
3,00%
3,09%
3,09%
1,42%
*) Angka Sementara/Preliminary Figures
6
Juli 2010.xlsx03/09/2010
NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS 1
POSISI/POSITION : JULI/JULY 2010
III. PERKEMBANGAN NPL KREDIT MKM/NPL OF MSM CREDITS
NPL Tw/Qrt IV 2008
Total
%
NPL Tw/Qrt I 2009
Total
%
NPL Tw/Qrt II 2009
Total
%
NPL Juli/July 2009
Total
%
NPL Tw/Qrt III 2009 NPL Tw /Qrt IV 2009
Total
%
Total
%
NPL Tw/Qrt I 2010 *)
Total
%
(Miliar Rp/Billions of IDR )
NPL Tw/Qrt II 2010 *) NPL Juli/July 2010 *)
Total
%
Total
%
Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits (up
to Rp50 million)
9.409,1
4,02%
10.883,1
4,62%
11.551,7
4,72%
10.722,5
4,34%
11.199,8
4,50%
11.027,8
4,32%
12.276,0
4,66%
9.343,6
3,41%
9.678,9
Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits
(>Rp50million - Rp500 million)
4.802,6
2,17%
5.525,9
2,41%
6.118,8
2,45%
6.403,1
2,52%
6.735,6
2,53%
5.810,3
2,05%
7.003,3
2,23%
7.345,5
2,14%
7.607,0
Kredit Menengah (>Rp500 jt-Rp5M)/Medium
Credits (>Rp500 million - Rp5 billion)
7.032,9
3,43%
7.935,9
3,99%
8.409,9
4,05%
8.869,1
4,25%
9.031,2
4,21%
7.906,3
3,47%
8.663,2
3,70%
9.023,2
3,58%
9.214,5
NPL-gross Kredit MKM/NPL-gross of MSM's
Credits **)
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Kredit Modal Kerja/ Working Capital Credits
11.967,4
4,59%
14.401,8
5,57%
15.574,0
5,67%
15.136,1
5,46%
15.777,8
5,57%
14.029,6
4,77%
13.365,6
4,35%
13.825,0
4,19%
14.239,4
Kredit Investasi/Investment Credits
2.768,4
4,93%
2.828,6
5,02%
3.140,0
5,30%
3.239,5
5,42%
3.213,8
5,18%
2.946,7
4,50%
3.037,0
4,26%
2.944,7
3,47%
3.215,9
Kredit Konsumsi/Consumer Credits
6.508,9
1,90%
7.114,6
2,04%
7.366,3
2,00%
7.619,0
2,04%
7.975,0
2,07%
7.768,1
1,91%
11.540,0
2,66%
8.942,6
1,97%
9.045,1
NPL-gross Kredit MKM/NPL-gross of MSM's
Credits
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Pertanian, perburuan dan sarana pertanian
/Agriculture,hunting and agricultural facilities
1.177,8
5,55%
1.449,1
6,72%
1.686,6
7,35%
1.666,8
7,20%
1.689,3
7,16%
1.586,9
6,44%
937,9
5,51%
770,3
4,21%
999,1
Pertambangan/Mining
96,5
5,29%
80,8
4,71%
94,6
2,12%
104,1
2,04%
97,2
2,18%
93,0
2,18%
94,9
1,78%
286,0
4,15%
119,3
Perindustrian/Manufacturing Industry
3.495,8
7,52%
4.211,7
9,53%
4.239,6
9,79%
3.427,4
7,98%
3.323,9
7,87%
2.646,7
5,93%
2.523,1
5,00%
2.457,7
4,68%
2.627,3
Listrik, Gas dan Air/Electricity, Gas & Water
7,6
1,35%
2,9
0,57%
6,6
1,10%
6,6
0,97%
13,8
2,02%
17,9
2,54%
17,3
2,69%
20,0
2,71%
20,3
Konstruksi/Construction
807,3
4,71%
1.043,0
6,34%
1.199,4
6,46%
1.308,8
6,80%
1.346,0
6,57%
1.186,3
6,13%
1.078,3
6,13%
1.286,0
6,27%
1.270,3
Perdagangan, restoran dan hotel/Trade,
restaurants and hotels
7.077,8
4,25%
8.028,1
4,77%
8.822,7
4,91%
9.069,0
5,01%
9.602,1
5,11%
8.840,7
4,46%
7.876,4
4,51%
7.682,9
4,16%
9.126,2
Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication
372,9
4,31%
391,6
4,61%
403,2
4,64%
449,5
5,15%
465,7
5,24%
414,8
4,45%
577,0
4,97%
588,3
4,84%
578,6
Jasa Dunia Usaha/Business Services
1.272,2
2,92%
1.462,7
3,42%
1.685,3
3,78%
1.735,5
3,88%
1.824,3
3,99%
1.604,8
3,39%
1.214,9
2,35%
1.188,2
2,31%
1.190,0
Jasa Sosial/Social Services
240,9
3,17%
289,2
3,80%
273,8
3,37%
286,2
3,51%
305,7
3,58%
292,0
3,33%
728,6
5,04%
986,9
3,18%
977,7
Lain-lain/Others
6.695,9
1,93%
7.386,0
2,10%
7.668,5
2,07%
7.940,8
2,11%
8.298,5
2,14%
8.061,3
1,97%
12.894,0
2,75%
10.446,0
2,13%
9.591,4
NPL-gross Kredit MKM/NPL-gross of MSM's
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Credits
Bank Persero/State Banks
7.812,2
3,39%
10.537,2
4,47%
11.405,7
4,41%
10.904,2
4,17%
11.518,7
4,29%
9.783,6
3,43%
8.674,2
3,00%
9.069,4
2,96%
9.418,4
Bank Swasta Nasional Devisa/Foreign
Exchange Private National Banks
7.075,9
2,65%
7.930,2
3,09%
8.296,6
3,17%
8.548,7
3,25%
8.605,3
3,19%
7.943,3
2,78%
8.300,2
2,79%
8.299,0
2,59%
8.637,4
Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks
364,6
1,55%
476,2
1,91%
440,1
1,82%
472,8
1,86%
534,9
1,98%
523,3
1,75%
637,4
2,02%
808,2
2,12%
810,8
BPD/Regional Development Banks
1.195,0
1,36%
1.486,8
1,62%
1.689,6
1,67%
1.788,0
1,73%
1.854,0
1,72%
1.660,7
1,54%
2.301,0
2,06%
2.497,2
2,09%
2.626,5
Bank Campuran/Joint Banks
277,6
3,26%
358,4
3,08%
641,8
5,32%
563,3
4,60%
563,7
4,53%
540,6
4,21%
655,8
2,95%
641,0
2,51%
628,4
Bank Asing/Foreign Banks
2.078,0
12,31%
1.545,5
9,39%
1.556,0
9,81%
1.605,7
9,37%
1.715,8
10,72%
2.268,6
13,87%
5.178,3
17,94%
2.212,8
8,60%
2.114,6
BPR-BPRS/Rural Banks-Islamic Rural Banks
2.441,5
9,21%
2.010,8
7,55%
2.050,5
7,39%
2.111,9
7,50%
2.174,2
7,53%
2.024,2
6,86%
2.195,7
7,06%
2.184,8
6,56%
2.264,2
NPL-gross Kredit MKM/NPL-gross of MSM's
21.244,7
3,22%
24.345,0
3,67%
26.080,4
3,72%
25.994,7
3,66%
26.966,6
3,69%
24.744,4
3,23%
27.942,5
3,44%
25.712,3
2,96%
26.500,4
Credits
NPL-gross Kredit Non MKM/NPL-gross of
Non MSM's Credits
20.044,0
3,11%
26.548,7
4,15%
25.879,5
4,11%
27.627,1
4,43%
24.250,0
3,84%
20.939,6
3,15%
21.041,9
3,26%
21.952,2
3,04%
22.087,2
NPL-gross Perbankan/NPL-gross of
Banking's
44.493,5
3,33%
53.343,5
4,00%
54.723,7
4,02%
56.455,3
4,13%
54.170,6
3,88%
49.591,7
3,38%
51.021,0
3,43%
49.480,5
3,05%
50.434,9
NPL-net Kredit MKM/NPL-net of MSM's
Credits
5.503,2
0,83%
9.851,7
1,48%
11.424,6
1,63%
11.471,4
1,61%
11.839,0
1,62%
10.319,2
1,35%
12.003,5
1,48%
12.306,0
1,42%
12.588,5
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.
3,46%
2,16%
3,64%
3,00%
4,26%
3,71%
1,95%
3,00%
4,67%
1,66%
5,01%
2,31%
6,10%
4,52%
4,66%
2,37%
3,21%
1,97%
3,00%
3,02%
2,62%
2,20%
2,17%
2,58%
7,88%
6,68%
3,00%
3,09%
3,09%
1,42%
*) Angka Sementara/Preliminary Figures
6
Juli 2010.xlsx03/09/2010