ProdukHukum BankIndonesia

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PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN

1

OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS

1

POSISI/

POSITION

: DESEMBER/

DECEMBER

2009

II.1. PERKEMBANGAN BAKI DEBET KREDIT MKM dan KREDIT PERBANKAN/OUTSTANDING OF MSM CREDITS AND BANKING CREDITS

(Miliar Rp/Billions of IDR) Tw IV/Qrt IV Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Pangsa/ Pertumbuhan/

Baki Debet/Outstanding 2007 Share 2008 2008 r 2008 2008 Share 2009 2009 2009 2009 Share Growth

Tw IV 08 - Tw IV 09

Kredit MKM/MSM Credits 524.174,5 51,2% 540.777,6 600.535,6 647.681,1 660.445,3 49,5% 663.797,0 701.336,6 730.255,3 766.877,3 52,3% 16,1% Kredit Non MKM/Non MSM Credits 475.249,7 46,4% 493.017,0 546.623,4 597.253,6 644.270,3 48,3% 639.850,3 629.671,1 631.140,5 664.566,7 45,3% 3,2% Kartu Kredit MKM/MSM Credit cards 23.965,6 2,3% 24.767,8 26.425,3 27.995,1 29.701,1 2,2% 28.410,5 31.792,9 33.639,1 36.045,2 2,5% 21,4% Jml. Rekening MKM/Total of MSM Accounts 19.904.642 20.521.883 21.820.594 22.993.912 23.482.337 23.869.524 24.110.458 24.797.011 25.035.513 6,6% Kredit perbankan/Banking Credits 1.023.389,8 100,0% 1.058.562,4 1.173.584,3 1.272.929,8 1.334.416,7 100,0% 1.332.057,8 1.362.800,5 1.395.035,0 1.467.489,1 100,0% 10,0%

II.2. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON/OUTSTANDING MSM CREDITS BY PLAFOND

(Miliar Rp/Billions of IDR) Tw IV/Qrt IV Pangsa/ _{Tw I/}_{Qrt I} _{Tw II/}_{Qrt II} _{Tw III/}_{Qrt III} _{Tw IV/}_{Qrt IV} Pangsa/ _{Tw I/}_{Qrt I} _{Tw II/}_{Qrt II} _{Tw III/}_{Qrt III} _{Tw IV/}_{Qrt IV} Pangsa/ Pertumbuhan/

Tw IV 08 - Tw IV 09

Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits (up

to Rp50 million) 202.474,0 38,6% 203.251,6 216.917,2 231.669,8 234.025,0 35,4% 235.671,5 244.605,3 248.843,7 255.218,2 33,3% 9,1% Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits

(>Rp50 million - Rp500 million) 154.818,8 29,5% 165.925,7 191.037,2 212.943,4 221.395,0 33,5% 229.094,7 249.248,7 266.690,8 283.988,2 37,0% 28,3% Kredit Menengah (>Rp500 jt-Rp5M)/Medium

Credits (>Rp500 million- Rp5 billion) 166.881,7 31,8% 171.600,2 192.581,1 203.067,9 205.025,3 31,0% 199.030,8 207.482,5 214.720,8 227.670,9 29,7% 11,0%

Total/Total 524.174,5 100,0% 540.777,6 600.535,6 647.681,1 660.445,3 100,0% 663.797,0 701.336,6 730.255,3 766.877,3 100,0% 16,1%

II.3. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT KELOMPOK BANK/OUTSTANDING OF MSM CREDITS BY GROUP OF BANKS

Tw IV 08 - Tw IV 09

Bank Persero/State Banks 176.739,6 33,7% 178.394,8 201.167,3 219.548,8 230.152,2 34,8% 235.747,6 258.419,6 268.680,5 285.133,8 37,2% 23,9% Bank Swasta Nasional Devisa/Foreign

Exchange Private National Banks 217.577,7 41,5% 226.531,9 249.292,8 265.284,4 267.228,1 40,5% 256.553,6 262.020,4 269.729,6 285.537,3 37,2% 6,9% Bank Swasta Nasional Non Devisa/Non Foreign

Exchange Private National Banks 20.632,8 3,9% 21.553,8 21.896,9 23.212,3 23.503,3 3,6% 24.972,1 24.239,2 27.004,5 29.831,4 3,9% 26,9% BPD/Regional Development Banks 67.773,5 12,9% 70.321,8 79.241,5 86.868,2 87.654,9 13,3% 91.795,3 100.987,5 107.503,3 107.674,9 14,0% 22,8% Bank Campuran/Joint Banks 5.843,3 1,1% 7.080,9 7.602,6 8.539,3 8.520,6 1,3% 11.644,0 12.071,9 12.447,4 12.849,3 1,7% 50,8% Bank Asing/Foreign Banks 14.229,4 2,7% 14.396,6 16.422,9 17.444,7 16.885,8 2,6% 16.454,2 15.864,4 16.010,1 16.358,6 2,1% -3,1% BPR-BPRS/Rural Banks-Islamic Rural Banks 21.378,2 4,1% 22.497,8 24.911,5 26.783,3 26.500,3 4,0% 26.630,3 27.733,6 28.880,0 29.491,9 3,8% 11,3%

Total 524.174,5 100,0% 540.777,6 600.535,6 647.681,1 660.445,3 100,0% 663.797,0 701.336,6 730.255,3 766.877,3 100,0% 16,1%

II.4. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT SEKTOR EKONOMI/OUTSTANDING MSM CREDITS BY ECONOMIC SECTORS

Tw IV 08 - Tw IV 09

Pertanian, perburuan dan sarana pertanian

/Agriculture,hunting and agricultural facilities 17.477,8 3,3% 17.918,8 19.590,6 21.171,2 21.210,0 3,2% 21.575,1 22.954,6 23.602,2 24.592,6 3,2% 15,9% Pertambangan/Mining 1.528,0 0,3% 1.672,2 1.707,6 1.811,8 1.824,2 0,3% 1.716,8 4.467,0 4.452,1 4.262,2 0,6% 133,6% Perindustrian/Manufacturing Industry 38.138,6 7,3% 39.191,3 43.274,9 46.177,6 46.487,3 7,0% 44.179,2 43.299,3 42.214,6 44.596,6 5,8% -4,1% Listrik, Gas dan Air/Electricity, Gas & Water 286,6 0,1% 365,1 429,7 769,4 560,9 0,1% 511,8 599,5 685,8 706,4 0,1% 25,9% Konstruksi/Construction 13.257,1 2,5% 12.958,0 16.464,8 18.718,8 17.140,1 2,6% 16.439,5 18.577,1 20.490,3 19.343,9 2,5% 12,9% Perdagangan, restoran dan hotel/Trade,

restaurants and hotels 142.574,2 27,2% 140.389,4 154.646,2 161.549,7 166.677,4 25,2% 168.451,2 179.683,8 187.822,0 198.309,4 25,9% 19,0% Pengangkutan, pergudangan dan komunikasi

/Transportation, cargo storage and

communication 7.208,9 1,4% 7.560,8 8.204,8 8.641,0 8.656,5 1,3% 8.490,7 8.686,7 8.881,8 9.324,4 1,2% 7,7%

Jasa Dunia Usaha/Business Services 32.699,3 6,2% 33.647,3 39.113,1 43.361,3 43.621,7 6,6% 42.760,3 44.605,7 45.719,0 47.335,0 6,2% 8,5% Jasa Sosial/Social Services 6.676,1 1,3% 6.771,8 7.442,9 7.677,8 7.608,0 1,2% 7.611,5 8.129,6 8.551,7 8.763,1 1,1% 15,2% Lain-lain/Others 264.327,8 50,4% 280.302,8 309.661,0 337.802,4 346.659,0 52,5% 352.060,9 370.333,2 387.835,9 409.643,6 53,4% 18,2%

Total/Total 524.174,5 100,0% 540.777,6 600.535,6 647.681,1 660.445,3 100,0% 663.797,0 701.336,6 730.255,3 766.877,3 100,0% 16,1%

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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.

Baki debet BPR/BPRS s.d November 2009/Outstanding of Conventional and Islamic Rural Banks were up to November 2009.

r = angka revisi/revised figures 3

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PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN

1

OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS

1

POSISI/

POSITION

: DESEMBER/

DECEMBER

2009

II.5. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT JENIS PENGGUNAAN/OUTSTANDING OF MSM CREDITS BY TYPE OF UTILIZATION

Tw IV 08 - Tw IV 09

Kredit Modal Kerja/Working Capital Credits 215.995,6 41,2% 216.006,4 241.297,5 256.573,1 260.965,4 39,5% 258.362,7 274.589,8 283.102,3 294.051,5 38,3% 12,7%

- Kredit Mikro/Micro Credits 43.353,3 21,4% 39.436,5 44.460,4 49.437,7 50.134,9 21,4% 51.500,7 56.185,7 57.574,3 58.320,7 22,9% 16,3% - Kredit Kecil/Small Credits 55.766,0 36,0% 58.097,6 64.494,4 69.676,6 70.775,8 32,0% 71.361,7 75.527,5 78.532,3 80.244,8 28,3% 13,4% - Kredit Menengah/Medium Credits 116.876,3 70,0% 118.472,3 132.342,7 137.458,8 140.054,7 68,3% 135.500,3 142.876,6 146.995,7 155.486,0 68,3% 11,0%

Kredit Investasi/Investment Credits 46.071,6 8,8% 46.730,5 52.456,2 56.718,4 56.119,4 8,5% 56.350,5 59.228,8 62.089,4 65.502,3 8,5% 16,7%

Kredit Konsumsi/Consumer Credits 262.107,3 50,0% 278.040,7 306.781,9 334.389,5 343.360,5 52,0% 349.083,9 367.517,9 385.063,6 407.323,4 53,1% 18,6%

Total/Total 524.174,5 100,0% 540.777,6 600.535,6 647.681,1 660.445,3 100,0% 663.797,0 701.336,6 730.255,3 766.877,3 100,0% 16,1%

- Kredit Mikro/Micro Credits 202.474,3 38,6% 203.251,6 216.917,2 231.669,8 234.025,0 35,4% 235.671,5 244.605,3 248.843,7 255.218,2 33,3% 9,1%

- Kredit Kecil/Small Credits 154.818,5 29,5% 165.925,7 191.037,2 212.943,4 221.326,7 33,5% 229.094,7 249.248,7 266.690,8 283.988,2 37,0% 28,3%

- Kredit Menengah/Medium Credits 166.881,7 31,8% 171.600,2 192.581,1 203.067,9 205.093,5 31,1% 199.030,8 207.482,5 214.720,8 227.670,9 29,7% 11,0%

II.6. PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PROPINSI di JAWA-BALI & NASIONAL/OUTSTANDING OF MSM CREDITS BY PROVINCES IN JAVA AND BALI

Baki Debet/Outstanding 2007 Share 2008 2008 r 2008 2008 Share 2009 2009 2009 2009 Share Growth

Tw IV 08 - Tw IV 09

Jawa Bali/Java & Bali 354.124,2 67,6% 361.823,2 396.846,4 427.036,4 435.422,0 65,9% 434.825,2 457.056,7 473.382,2 496.508,0 64,7% 14,0%

Di luar Jawa Bali/Outside Java & Bali 170.050,3 32,4% 178.954,4 203.689,1 220.644,6 225.023,3 34,1% 228.971,8 244.279,8 256.873,1 270.369,3 35,3% 20,2%

Nasional/National 524.174,5 100,0% 540.777,6 600.535,6 647.681,1 660.445,3 100,0% 663.797,0 701.336,6 730.255,3 766.877,3 100,0% 16,1%

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 08 - Tw IV 09

1. DKI Jakarta/DKI Jakarta 115.329,2 22,0% 114.323,4 123.843,4 135.739,1 137.231,6 20,8% 133.817,4 143.407,7 148.208,5 155.917,4 20,3% 13,6% 2. Jawa Barat/West Java 81.399,7 15,5% 84.794,2 93.535,9 99.950,3 102.128,9 15,5% 103.425,1 108.727,3 112.633,3 117.835,6 15,4% 15,4% 3. Jawa Timur/East Java 63.511,4 12,1% 65.159,2 71.790,3 75.956,2 77.308,7 11,7% 78.499,4 81.425,3 84.395,0 89.361,1 11,7% 15,6% 4. Jawa Tengah/Central Java 51.538,7 9,8% 53.631,9 58.945,8 62.292,6 63.384,6 9,6% 63.833,5 66.878,3 69.527,1 72.018,5 9,4% 13,6% 5. Sumatera Utara/North Sumatra 26.545,4 5,1% 28.054,9 31.748,1 34.279,0 34.495,9 5,2% 34.552,2 36.292,4 38.236,4 39.860,8 5,2% 15,6% 6. Banten/Banten 21.973,7 4,2% 22.865,5 25.534,9 28.456,5 29.884,5 4,5% 29.148,9 29.274,3 30.117,3 31.646,0 4,1% 5,9% 7. Sulawesi Selatan/South Sulawesi b 17.363,3 3,3% 18.343,9 20.379,5 21.835,0 22.410,4 3,4% 22.834,2 24.210,9 24.949,4 27.044,5 3,5% 20,7% 8. Riau/Riaua 12.401,2 2,4% 13.356,0 15.601,3 16.927,1 17.020,4 2,6% 17.380,7 18.449,0 19.455,5 20.209,1 2,6% 18,7% 9. Bali/Bali 12.884,8 2,5% 13.293,3 14.714,5 15.779,5 16.311,4 2,5% 16.765,7 17.582,3 18.351,3 19.238,3 2,5% 17,9% 10. Sumatera Selatan/South Sumatera 10.441,3 2,0% 11.191,6 12.787,5 14.117,6 14.289,2 2,2% 14.745,1 16.153,6 17.152,0 18.342,8 2,4% 28,4%

Total 10 Propinsi/Total of 10 Provinces 413.388,9 78,9% 425.013,8 468.881,2 505.332,8 514.465,6 77,9% 515.002,2 542.401,1 563.025,9 591.474,1 77,1% 15,0%

Propinsi Lainnya/Other Provinces 110.785,6 115.763,8 131.654,4 142.348,3 145.979,7 148.794,8 158.935,4 167.229,4 175.403,1 20,2%

Total Kredit MKM Nasional/Total of

National's MSM Credits 524.174,5 540.777,6 600.535,6 647.681,1 660.445,3 663.797,0 701.336,6 730.255,3 766.877,3 16,1%

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.

r = angka revisi/revised figures

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PERKEMBANGAN BAKI DEBET KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN

1

OUTSTANDING OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS

1

POSISI/

POSITION

: DESEMBER/

DECEMBER

2009

II.8. PERKEMBANGAN BAKI DEBET KREDIT MKM di KAWASAN INDONESIA TIMUR (KTI)/OUTSTANDING OF MSM CREDITS BY PROVINCES IN EASTERN INDONESIAN AREA (EIA)

Baki Debet/Outstanding 2007 Share 2008 2008 r 2008 2008 Share 2009 2009 2009 2009 Share Growth

Tw IV 08 - Tw IV 09

1. Sulawesi Selatan/South Sulawesi 17.363,3 22,7% 18.343,9 20.379,5 21.835,0 22.410,4 22,2% 22.834,2 24.210,9 24.949,4 27.044,5 22,0% 20,7%

2. Kalimantan Timur/East Kalimantan 11.293,6 14,8% 11.539,8 12.953,5 13.939,6 14.099,0 14,0% 14.184,0 14.979,8 15.790,9 16.458,5 13,4% 16,7%

3. Kalimantan Selatan/South Kalimantan 6.705,8 8,8% 7.008,8 7.928,6 8.739,9 8.989,2 8,9% 9.229,2 9.749,0 10.322,2 10.676,5 8,7% 18,8%

4. Sulawesi Utara/North Sulawesi 6.080,9 8,0% 6.276,9 7.256,6 7.887,5 8.371,8 8,3% 8.564,2 8.848,4 9.362,0 9.943,0 8,1% 18,8%

5. Kalimantan Barat/West Kalimantan 6.368,3 8,3% 6.244,7 7.055,9 7.672,5 7.949,9 7,9% 8.096,9 8.679,3 9.135,1 9.764,2 8,0% 22,8%

6. NTB/West Nusa Tenggara 5.195,2 6,8% 5.418,4 6.045,0 6.478,9 6.674,8 6,6% 7.035,8 7.467,1 7.695,9 8.081,1 6,6% 21,1%

7. Sulawesi Tengah/Central Sulawesi 4.469,2 5,9% 4.587,4 5.162,6 5.581,4 5.788,6 5,7% 5.923,4 6.416,8 6.702,6 6.989,4 5,7% 20,7%

8. NTT/East Nusa Tenggara 4.306,5 5,6% 4.422,9 4.980,6 5.448,2 5.608,1 5,6% 5.732,6 6.262,2 6.609,7 6.901,5 5,6% 23,1%

9. Papua/Papua 3.263,7 4,3% 3.332,5 3.980,1 4.371,1 4.530,2 4,5% 4.655,9 5.160,0 5.561,3 5.795,6 4,7% 27,9%

10. Sulawesi Tenggara/Southeast Sulawesi 2.786,8 3,6% 2.985,2 3.400,1 3.804,9 3.915,3 3,9% 4.076,9 4.283,0 4.501,8 4.767,1 3,9% 21,8%

11. Kalimantan Tengah/Central Kalimantan 2.548,1 3,3% 2.687,9 3.223,7 3.478,8 3.530,9 3,5% 3.753,1 4.278,9 4.538,6 4.763,5 3,9% 34,9%

12. Maluku/Maluku 1.593,9 2,1% 1.686,6 1.954,6 2.196,3 2.327,4 2,3% 2.440,2 2.701,0 3.418,2 3.033,5 2,5% 30,3%

13. Gorontalo/Gorontalo c 1.394,5 1,8% 1.514,0 1.770,6 2.000,3 2.037,5 2,0% 2.146,7 2.493,0 2.768,8 3.022,3 2,5% 48,3%

14. Papua Barat/West Papua d 1.129,2 1,5% 1.161,5 1.342,5 1.439,0 1.486,3 1,5% 1.505,4 1.724,2 1.819,6 2.042,9 1,7% 37,5%

15. Sulawesi Barat/West Sulawesi e 1.061,3 1,4% 1.135,2 1.293,5 1.448,1 1.782,9 1,8% 1.519,3 1.633,9 1.755,3 1.806,9 1,5% 1,3%

16. Maluku Utara/North Maluku 819,0 1,1% 882,0 1.007,3 1.135,6 1.229,0 1,2% 1.314,3 1.475,7 1.520,4 1.648,2 1,3% 34,1%

Total Kredit MKM KTI/Total of MSM Credits in

EIA 76.379,4 100,0% 79.227,9 89.734,7 97.457,0 100.731,5 100,0% 103.012,2 110.363,2 116.451,7 122.738,6 100,0% 21,8%

Total NPL KTI/Total of NPL in EIA 3.045,8 2.818,9 2.730,9 2.525,3 2.277,6 2.859,9 3.200,7 3.479,7 3.010,8 32,2%

% NPL KTI/% of NPL in EIA 3,99% 3,56% 3,04% 2,59% 2,26% 2,78% 2,90% 2,99% 2,45%

Total NPL KBI/Total of NPL in WIA 16.249,2 18.210,2 18.906,3 18.884,5 18.967,0 21.485,2 22.879,7 23.486,9 21.922,1 15,6%

% NPL KBI/% of NPL in WIA 3,63% 3,95% 3,70% 3,43% 3,39% 3,83% 3,87% 3,83% 3,40%

Total Kredit MKM/Total of MSM Credits 524.174,5 540.777,6 600.535,6 647.681,1 660.445,3 663.797,0 701.336,6 730.255,3 766.877,3 16,1%

Total Kredit MKM KBI/Total of MSM Credits in

Western Indonesian Area (WIA) *) 447.795,1 461.549,7 510.800,9 550.224,1 559.713,8 560.784,8 590.973,4 613.803,6 644.138,7 15,1%

% KBI thd Kredit MKM Nasional/Contribution

of MSM Credits in WIA to National MSM Credits 85,4% 85,3% 85,1% 85,0% 84,7% 84,5% 84,3% 84,1% 84,0%

% KTI thd total Kredit MKM/ Contribution of

MSM Credits in EIA to National's MSM Credits 14,6% 14,7% 14,9% 15,0% 15,3% 15,5% 15,7% 15,9% 16,0%

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.

*) 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/revised figures

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