Islamic Banking Statistics

(1)

Islamic Banking Statistics

Biro Perbankan Syariah

BANK INDONESIA

(2)

DAFTAR ISI CONTENTS

Tabel

1. Jaringan Kantor Perbankan Syariah

2 Networking of Islamic Banks

Tabel

2. Aset Perbankan Syariah

3 Assets of Islamic Banks

Tabel

3. Kewajiban dan Modal Perbankan Syariah

4 Liabilities and Equity of Islamic Banks

Gambar 1. Perkembangan Aset Perbankan Syariah

5 Growth of Assets of Islamic Banks

Gambar 2. Sumber Dana Perbankan Syariah

5 Sources of Fund of Islamic Banks

Tabel

4. Komposisi Dana Pihak Ketiga Perbankan Syariah

6 Composition of Deposit Fund of Islamic Banks

Gambar 3. Aktiva Produktif Utama Perbankan Syariah

6 The Major Earning Assets of Islamic Banks

Tabel

5. Komposisi Pembiayaan Perbankan Syariah

7 Composition of Financing of Islamic Banks

Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah

8 Composition of Uses and Sources of Fund of Islamic Banks

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah

9 Sources of Fund, Financing, and FDR of Islamic Banks

Gambar 6. Pembiayaan dan PPAP Perbankan Syariah

9 Financing and Provision for Losses (PPAP) of Islamic Banks

Tabel

6. NPFs Perbankan Syariah

10 Non Performing Financings (NPFs) of Islamic Banks

Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah

10 Current Year Profits and Losses of Islamic Banks

Tabel

7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)

11 Transaction of Islamic Interbank Money Market (PUAS)

Gambar 8. Volume Transaksi PUAS

12 Volume of PUAS Transaction

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

12 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel

8. Pangsa Perbankan Syariah Terhadap Total Bank

13 Islamic Banks’s Share to All Banks

(3)

Tabel

1. Jaringan Kantor Perbankan Syariah

Networking of Islamic Banks

Kelompok Bank KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK

Group of Banks HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO

Bank Umum Syariah Islamic Commercial Banks

1. PT Bank Muamalat Indonesia 1 10 2 19 1 13 3 26 1 13 5 37

2. PT Bank Syariah Mandiri 1 3 5 0 1 8 5 0 1 23 0 6

Unit Usaha Syariah Islamic Banking Unit

1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0

2. PT Bank Negara Indonesia 1 5 0 0 1 10 0 0

3. PT Bank Jabar 1 1 0 0 1 1 0 0

4. PT Bank Rakyat Indonesia 5. PT Bank Danamon 6. PT Bank Bukopin

Bank Perkreditan Rakyat Syariah Islamic Rural Banks

TOTAL 82 14 7 19 84 28 8 26 86 48 5 43 2001 2 36 5 43 3 12 0 0 81 0 0 0 1999 2 13 7 19 1 1 0 0 79 0 0 0 2000 2 21 8 26 3 7 0 0 79 0 0 0

1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0

2. PT Bank Negara Indonesia 1 12 0 0 1 12 0 0 1 12 1 0

3. PT Bank Jabar 1 1 0 0 1 3 0 0 1 3 0 0

4. PT Bank Rakyat Indonesia 1 2 0 0 1 2 0 0 1 8 0 0

5. PT Bank Danamon 1 2 0 0 1 5 0 0 1 5 0 0

6. PT Bank Bukopin 1 1 0 0 1 2 0 0 1 2 0 0

7. PT Bank Internasional Indonesia

TOTAL 91 60 9 52 91 68 11 59 93 76 13 60 0 0 83 0 0 0 0 Des-02 2 Sep-02 2 41 9 52 6 19 Mar-03 2 45 12 60 6 31 1 85 0 0 43 11 59 6 25 0 0 83 0 0 0 0

1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0

2. PT Bank Negara Indonesia 1 12 1 0 1 12 1 0 1 12 1 0

3. PT Bank Jabar 1 3 0 0 1 3 0 0 1 3 0 0

4. PT Bank Rakyat Indonesia 1 8 0 0 1 8 0 0 1 8 0 0

5. PT Bank Danamon 1 5 0 0 1 5 0 0 1 5 0 0

6. PT Bank Bukopin 1 2 0 0 1 2 0 0 1 2 0 0

7. PT Bank Internasional Indonesia 1 1 0 0 1 1 0 0 1 1 0 0

TOTAL 95 82 14 66 95 84 17 75 94 86 17 77 86 0 0 0 Jun-03 32 1 0 54 16 77 Jul-03 52 16 75 2 7 0 86 0 0 1 0 7 0 85 0 0 0 Mei-03 7 32 1 13 66 2 2 50 32 Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - KK = Kantor Kas

Note:

- HO = Head Office - IBU = Islamic Banking Unit

- HOO = Head Operational Office

- BO = Branch Office - SBO = Sub Branch Office

(4)

Tabel

2. Aset Perbankan Syariah (Juta Rupiah)

Assets of Islamic Banks (Million IDRs)

KETERANGAN Sep-02 Des-02 Mar-03 Apr-03 Mei-03 Jun-03

ITEMS

1. Kas 51,569 62,381 65,802 69,538 64,934 79,518

Cash

2. Penempatan pada BI 275,004 572,497 689,826 664,506 791,969 823,048

Placement at Bank Indonesia

3. Penempatan pada bank lain 139,923 129,865 186,862 178,703 183,255 198,168

Inter-bank assets

4. Pembiayaan yang diberikan 3,276,6503,179,063 3,857,5513,662,587 4,001,530 4,228,980

Financing extended

5. Penyertaan 2,095 2,094 2,094 2,094 2,094 2,095

Equity participation

6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (93,285) (91,407) (96,350) (97,738) (101,321) (88,864)

Allowances for earning assets losses (PPAP)

a. Cadangan umum PPAP -/- (56,930) (41,864) (37,756) (36,766) (35,635) (37,875)

PPAP General provision

b. Cadangan Khusus PPAP -/- (36,355) (49,543) (58,594) (60,972) (65,686) (50,989)

PPAP Special provision

7. Aktiva tetap dan investaris 91,816 86,932 101,771 103,141 106,832 104,582

Fixed assets and inventory

a. Tanah dan gedung 42,497 40,278 42,184 41,672 42,407 42,471

Land and building

b. Akumulasi penyusutan gedung -/- (7,461) (6,885) (7,763) (7,527) (7,633) (7,738)

Building accumulated depreciation

c. Inventaris 101,105 99,365 120,862 124,746 129,734 129,353

Inventory

d. Akumulasi penyusutan inventaris -/- (44,325) (45,826) (53,512) (55,750) (57,676) (59,504)

Accumulated depreciation of inventory

8. Rupa-rupa aktiva 23,645 6,223 19,650 3,847 38,709 26,383

Other assets

J U M L A H 4,045,2353,669,830 4,781,6424,632,242 5,088,002 5,373,910

TOTAL ASSETS

*) Meliputi data Bank Umum Syariah dan Unit Usaha Syariah (tidak termasuk BPR Syariah)

(5)

Tabel

3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah)

Liabilities and Equity of Islamic Banks (Miliion IDRs)

KETERANGAN Sep-02 Des-02 Mar-03 Apr-03 Mei-03 Jun-03

ITEMS 1. Giro wadiah 365,370 358,964 411,082 352,238 382,466 393,960 Wadiah-current accounts 2. Tabungan mudharabah 773,844 815,308 1,105,8421,018,925 1,194,205 1,335,240 Mudharabah-saving accounts 3. Deposito mudharabah 1,743,4541,360,915 1,945,1901,892,842 2,026,492 2,133,210 Mudharabah-investment accounts 4. Kewajiban terhadap BI 40,121 38,387 37,329 37,164 36,904 36,735

Liabilities to Bank Indonesia

5. Kewajiban kepada bank lain 35,669 31,487 93,544 98,421 131,000 175,481

Inter-bank liabilities

6. Pembiayaan yang diterima 201,421 202,335 207,267 207,013 211,475 211,314

Received Financing

7. Kewajiban lainnya 47,011 34,774 89,154 48,377 50,941 45,467

Other payables

8. Setoran jaminan 4,478 3,204 3,633 3,061 3,935 3,669

Guarantee deposits

9. Antar Kantor Bersih 176,152 150,786 134,522 181,287 237,864 205,670

Interoffice net

a. Melakukan kegiatan operasional di Indonesia 176,152 150,786 134,522 181,287 237,864 205,670

Activities in Indonesia

b. Melakukan kegiatan operasional di luar Indonesia - - - - -

Activities outside Indonesia

10. Rupa-rupa pasiva 71,455 61,858 59,388 61,159 67,064 83,308 Other liabilities 11. Modal disetor 523,703 523,703 578,067 628,067 628,067 628,067 Paid-in capital a. Modal dasar 1,500,0001,500,000 1,500,0001,500,000 1,500,000 1,500,000 Authorized capital

b. Modal yang belum disetor -/- (976,297) (976,297) (921,933) (871,933) (871,933) (871,933)

Unpaid capital

12. Perkiraan tambahan modal disetor 806 806 806 806 806 806

Additional paid-in capital account

a. Agio 806 806 806 806 806 806 Agio b. Disagio - - - - - Disagio 13. Cadangan 32,780 32,779 32,779 34,371 34,371 34,371 Reserves a. Cadangan Umum 32,780 32,779 32,779 34,371 34,371 34,371 General reserves b. Cadangan Tujuan - - - - - Appropriated reserves 14. Laba/rugi 36,105 47,390 72,904 78,646 82,412 86,612 Profit/Loss a. Tahun-tahun lalu (7,743) (6,660) 53,484 51,954 51,953 51,953 Previous years i. Laba 22,323 22,323 53,506 51,976 51,975 51,975 Profit ii. Rugi -/- (30,066) (28,983) (22) (22) (22) (22) Loss b. Tahun berjalan 43,848 54,050 19,420 26,692 30,459 34,659 Current year i. Laba 72,288 90,106 40,377 54,538 66,301 79,923 Profit ii. Rugi -/- (28,440) (36,056) (20,957) (27,846) (35,842) (45,264) Loss J U M L A H 4,045,2353,669,830 4,781,6424,632,242 5,088,002 5,373,910

(6)

Gambar 1. Perkembangan Aset Perbankan Syariah

Growth of Assets of Islamic Banks

0.93% 3.79% 6.42% 3.40% 2.74% 7.02% -0.66% 4.98% 0.94% 8.31% -0.20% 5.31% 0.78%1.42%1.01% 5.83% 2.61% 8.66% 3.86% 2.45% 6.27%6.03% -2.17% 8.85% 0.97% 6.58% 0.91% 6.41% 5.62% 4.13% 0.00 1.00 2.00 3.00 4.00 5.00 6.00

Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01

Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02

Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03

Trily un Rupiah (Trillion IDRs)

-4% -2% 0% 2% 4% 6% 8% 10% Aset (Assets)

Perkembangan Aset (Assets Grow th)

Gambar 2. Sumber Dana Perbankan Syariah

Sources of Fund of Islamic Banks

0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03

Giro Wadiah (Wadiah-cur. acc.) Tabungan Mudharabah (Mudharabah-sav . acc.) Deposito Mudharabah (Mudharabah-inv . acc.) Pembiay aan y ang diterima (Receiv ed financing)

(7)

Tabel

4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah)

Composition of Deposit Fund of Islamic Banks (Million IDRs)

Giro Wadiah Nilai (Amount) 365,370 358,964 416,649 352,238 382,466 393,960

Wadiah currency account Pangsa (Share) 14.61% 12.30% 12.42% 10.35% 10.61% 10.20%

Tabungan Mudharabah Nilai (Amount) 773,844 815,308 1,105,8421,033,857 1,194,205 1,335,240

Mudharabah saving account Pangsa (Share) 30.95% 27.94% 30.83% 32.49% 33.14% 34.57%

Deposito Mudharabah Nilai (Amount) 1,743,4541,360,915 1,903,081 1,945,190 2,026,492 2,133,210

Mudharabah investment account Pangsa (Share) 54.43% 59.75% 56.75% 57.16% 56.24% 55.23%

2,500,129 2,917,726 3,353,587 3,403,270 3,603,163 3,862,410 Jun-03 Mei-03 Apr-03 Mar-03 Sep-02 DEPOSIT FUND Total DANA PIHAK KETIGA

Des-02

Gambar 3. Aktiva Produktif Utama Perbankan Syariah

The Major Earning Assets of Islamic Banks

0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00 5.50 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03

Pembiay aan y ang diberikan (Fin. ex tended) Penempatan pada bank lain (Inter bk assets) Penempatan pada BI (Plcment at BI)

(8)

Tabel

5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah)

Composition of Financing of Islamic Banks (Million IDRs)

Dalam rangka pembiayaan bersama Nilai (Amount) 24,127 27,318 29,730 29,865 29,165 28,758

Sindicated Financing Pangsa (Share) 0.76% 0.83% 0.81% 0.77% 0.73% 0.68%

Dalam rangka restrukturisasi pembiayaan Nilai (Amount) 651 631 614 558 549 535

Restructurized Financing Pangsa (Share) 0.02% 0.02% 0.02% 0.01% 0.01% 0.01%

Penyaluran pembiayaan melalui lembaga lain Nilai (Amount) 9 7 6 5 5 4

Channeling Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Pembiayaan Musyarakah Nilai (Amount) 70,116 60,191 70,395 75,422 81,898 86,729

Musharakah Financing Pangsa (Share) 2.21% 1.84% 1.92% 1.96% 2.05% 2.05%

Pembiayaan Mudharabah Nilai (Amount) 475,236 498,681 533,795 544,017 562,888 593,057

Mudharabah Financing Pangsa (Share) 14.95% 15.22% 14.57% 14.10% 14.07% 14.02%

Piutang Murabahah Nilai (Amount) 2,230,328 2,324,222 2,607,585 2,783,967 2,874,676 3,059,458

Murabahah Receivable Pangsa (Share) 70.16% 70.93% 71.20% 72.17% 71.84% 72.35%

Piutang Salam Nilai (Amount) 58 51 - - -

-Salam Receivable Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Piutang Istishna' Nilai (Amount) 220,755 220,720 248,016 234,433 240,708 241,954

Istishna' Receivable Pangsa (Share) 6.94% 6.74% 6.77% 6.08% 6.02% 5.72%

Lainnya Nilai (Amount) 157,783 144,829 172,446 189,284 211,641 218,485

Others Pangsa (Share) 4.96% 4.42% 4.71% 4.91% 5.29% 5.17%

3,179,063

3,276,650 3,662,587 3,857,551 4,001,530 4,228,980 Total

Sep-02 RINCIAN PEMBIAYAAN YANG DIBERIKAN

(9)

Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah

Composition of Uses and Sources of Fund of Islamic Banks

Mei-2003

16% 80% 0% 4%

Juni-2003

16%

80%

0%

4%

Apr-2003

14% 82% 0% 4% Penempatan pada BI (Plcment at BI) Penempatan pada bank lain (Inter bk assets) Pembiayaan yang diberikan (Fin. extended) Penyertaan (Eq. participation)

Apr-2003

10%

53%

6%

31% Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.) Deposito Mudharabah (Mudharabah-inv. acc.) Pembiayaan yang diterima (Received financing)

Juni-2003

10% 52% 5% 33%

Mei-2003

10% 53% 6% 31%

(10)

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah

Sources of Fund, Financing, and FDR of Islamic Banks

112.30% 108.57%110.57%112.53% 113.35%_111.06% 109.49% 113.48% 123.54% 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03

50% 100% 150% Pembiay aan y ang diberikan (Fin. ex tended) Dana Pihak Ketiga (Deposit Fund)

FDR (Financing to Deposit Ratio)

Gambar 6. Pembiayaan dan PPAP Perbankan Syariah

Financing and Provision for Losses (PPAP) of Islamic Banks

0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50

Pembiayaan yang diberikan (Fin. extended)

(11)

Tabel

**6. NPFs*) Perbankan Syariah (Juta Rupiah)**

**Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs)**

Lancar Nilai (Amount) 2,865,771 3,022,438 3,335,280 3,499,947 3,597,573 3,806,503

Current Pangsa (Share) 90.15% 92.24% 91.06% 90.73% 89.90% 90.01%

Dalam Perhatian Khusus Nilai (Amount) 179,943 119,266 182,165 216,932 244,506 257,176

Special Mention Pangsa (Share) 5.66% 3.64% 4.97% 5.62% 6.11% 6.08%

Kurang Lancar Nilai (Amount) 80,016 51,445 57,347 54,052 60,611 85,466

Sub-standard Pangsa (Share) 2.52% 1.57% 1.57% 1.40% 1.51% 2.02%

Diragukan Nilai (Amount) 15,253 30,285 18,642 18,732 24,388 27,016

Doubtful Pangsa (Share) 0.48% 0.92% 0.51% 0.49% 0.61% 0.64%

Macet Nilai (Amount) 38,080 53,216 69,153 67,888 74,452 52,819

Loss Pangsa (Share) 1.20% 1.62% 1.89% 1.76% 1.86% 1.25%

3,179,063 3,276,650 3,662,587 3,857,551 4,001,530 4,228,980 133,349 134,946 145,142 140,672 159,451 165,301 4.19% 4.12% 3.96% 3.65% 3.98% 3.91% Sep-02 Percentage of NPFs KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5)

COLLECTIBILITY OF FINANCING Des-02 Mar-03 Apr-03 Mei-03 Jun-03

*) NPFs adalah Pembiayaan Non Lancar mulai dari Kurang Lancar sampai dengan Macet NPFs is Non Performing Financings which are composed from collectibility Sub-standard to Loss

Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah

Current Year Profits and Losses of Islamic Banks

34.96 -9.82 3.75 -2.86 7.84 -4.90 12.78 -6.38 17.77 -9.70-9.67 22.85 30.88 -7.50 36.84 -10.21 44.35 -13.66 51.53 -18.12 58.02 -16.98 65.46 -20.14 90.06 -7.03-4.39 8.43 14.70 -6.91 20.08 -9.85 25.93 -12.98 33.21 -17.02 41.39 -19.94 49.97 -24.15 61.09 -26.03 72.29 -28.44 83.59 -31.57 91.19 -38.72-36.06 90.11 16.05 -6.06 29.38 -11.66 40.38 -25.81 54.54 -27.85 66.30 -35.84 79.92 -45.26 -60.00 -50.00 -40.00 -30.00 -20.00 -10.00 0.00 10.00 20.00 30.00 40.00 50.00 60.00 70.00 80.00 90.00 100.00 110.00 Mily ar Rupiah (Billion IDRs)

Des-00 Feb-01 Apr-01 Jun-01 Agust-01 Okt-01 Des-01 Feb-02 Apr-02 Jun-02 Agust-02 Okt-02 Des-02 Feb-03 Apr-03 Jun-03

Laba tahun berjalan (Current y ear profit) Rugi tahun berjalan (Current y ear losses)

(12)

Tabel

7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)

Transaction of Islamic Interbank Money Market (PUAS)

Tkt Imbalan Dep Inv Mudharabah sebelum distribusi pada Bank Pengelola Dana bln

sebelumnya (R)

Nisbah Bagi Hasil untuk Bank Penanam Dana (K)

Indication Rate of Return of Mudharabah Inv. Before Distributed Last Month at

Issuing Bank(R) PLS Portion for Lender Bank (K) 2001 Jun 07-Jun-01 1000 16.2933 68.00 32 11.0794 Jul 04-Jul-01 3000 13.9200 85.00 7 11.8300 09-Jul-01 1000 20.7200 68.00 31 14.0896 17-Jul-01 5000 13.9200 85.00 2 11.8320 18-Jul-01 200 20.7200 70.00 2 14.5040 Sept 03-Sep-01 2000 15.5000 84.00 2 13.0200 13-Sep-01 3000 14.1100 90.00 5 12.6990 18-Sep-01 1000 14.1100 90.00 2 12.6990 Okt 08-Okt-01 1000 15.1000 90.00 2 14.4000 08-Okt-01 2000 15.7500 94.00 2 14.4000 Nov 06-Nop-01 4000 15.0700 82.50 1 12.4328 2002 Jan 02-Jan-02 2500 15.5000 82.09 1 12.7240 Mei 13 Mei-02 500 14.8000 79.00 1 11.6920 27 Mei-02 4,700 14.5850 77.50 1 10.5739 Jun 17-Jun-02 10,000 15.0000 77.00 1 11.5500 Jul 15-Jul-02 1,500 14.0400 72.00 1 10.0088 29-Jul-02 1,700 14.3800 75.00 1 10.7813 Agt 07-Agust-02 3,000 14.0000 72.00 1 10.0800 Sept 05-Sep-02 2,000 12.7600 88.00 4 11.2288 09-Sep-02 5,100 12.9375 78.50 7 11.4332 16-Sep-02 5,000 12.7600 88.00 7 11.2288 Okt 08-Okt-02 5,000 12.22 77.00 7 9.4094 10-Okt-02 2,500 12.22 77.00 4 9.4094 14-Okt-02 700 15.000 78.94 1 11.8410 15-Okt-02 5,000 12,22 77.00 7 9.4094 18-Okt-02 500 12.800 67.00 3 8.5760 23-Okt-02 500 12.800 67.00 1 8.5760 Nov 15-Nop-02 1,500 10.400 71.00 7 7.4124 2003 Jan 03-Jan-03 2,000 10,810 71.00 3 7.6751 16-Jan-03 1,000 12,130 62.00 1 7.5206 Feb 07-Feb-03 3,000 13,35 71.00 1 9.4856 21-Feb-03 500 10.000 53.00 3 5.3000 24-Feb-03 1,250 11.000 59.00 1 6.4900 Apr 14-Apr-03 500 13.760 71.00 1 9.7696 21-Apr-03 500 13.760 72.00 1 9.9072 28-Apr-03 7,000 13.760 72.00 1 9.9072 Mei

Periode Volume Transaksi (Juta _Rupiah) Tingkat Indikasi Imbalan Sertifikat IMA (%) Jangka Waktu _(hari) Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt _{Indikasi Imbalan Sertifikat IMA (%)} Indication Rate of Return of IMA Certificate (%)

Period Volume of Transaction (Million IDRs)

Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) Maturity (Days)

(13)

Gambar 8. Volume Transaksi PUAS

Volume of PUAS Transaction

0 5 10 15 20 25 30 Mar-00 Apr-00 Mei-00 Jun-00 Jul-00 Agust-00 Sep-00 Okt-00 Nop-00 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03 Jul-03 M ily ar R upiah (Billion I DRs) Volume 0.75 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 9.2 0 6 3 4 0 2.5 0 0 0 5.2 10 3.2 3 12.1 14.2 1.5 0 3 4.75 0 8 16.7 26 3.75 Mar-00 Apr-00 Mei-00 Jun-00 Jul-00

Agust-00 Sep-00 Okt-00 Nop-00 Des-00 Jan-01

Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02

Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02Okt-02 Nop-02 Des-02 Jan-03

Feb-03 Mar-03 Apr-03 Mei-03 Jun-03 Jul-03

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-100 200 300 400 500 600 700 800 900 1,000 Mar-00 Apr-00 Mei-00 J un-00 Jul-00 Agust-00 Sep-00 Okt-00 Nop-00 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Ok t-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 J un-03 Jul-03 M ily ar R up iah (B illion ID R s) Outstanding 400 507 497 393 393 394 409 312 311 291 305 331 317 288 265 303 270 235 208 229 270 281 301 316 339 244 129 413 387 304 280 407 390 542 783 737 665 611 604 730 891 Mar-00 Apr-00 Mei-00 Jun-00 Jul-00

Agust-00 Sep-00 Okt-00 Nop-00 Des-00 Jan-01

(14)

Tabel

8. Pangsa Perbankan Syariah Terhadap Total Bank

Islamic Banks’s Share to All Banks

Nominal

Share

Total Assets

5.37 0.48%

1111.68

Deposit Fund

3.86 0.46%

846.78 Credit/Financing extended

4.23 0.97%

434.10 **LDR/FDR*)**

109.49%

51.27%

NPL

3.91%

7.98%

Islamic Banks

Total Banks

*) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund

Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank

Islamic Banks’s Share to All Banks

0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20%

Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03

Total Assets 0.17% 0.17% 0.17% 0.18% 0.18% 0.20% 0.21% 0.22% 0.23% 0.23% 0.24% 0.24% 0.25% 0.25% 0.26% 0.26% 0.28% 0.29% 0.32% 0.32% 0.33% 0.34% 0.35% 0.38% 0.36% 0.39% 0.40% 0.42% 0.43% 0.46% 0.48% Deposit Fund 0.15% 0.15% 0.16% 0.17% 0.17% 0.18% 0.19% 0.20% 0.21% 0.20% 0.23% 0.22% 0.23% 0.23% 0.23% 0.23% 0.25% 0.26% 0.28% 0.29% 0.30% 0.31% 0.33% 0.36% 0.35% 0.38% 0.38% 0.40% 0.41% 0.43% 0.46% Cr/F in ext 0.40% 0.41% 0.42% 0.44% 0.43% 0.45% 0.48% 0.52% 0.55% 0.54% 0.53% 0.56% 0.57% 0.58% 0.60% 0.61% 0.68% 0.73% 0.76% 0.77% 0.80% 0.82% 0.84% 0.86% 0.80% 0.84% 0.85% 0.87% 0.91% 0.94% 0.97% Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust-01 Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust-02 Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03