PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN
1NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1POSISI/POSITION
: AGUSTUS/AUGUST
2010
III. PERKEMBANGAN NPL KREDIT MKM/NPL OF MSM CREDITS
(Miliar Rp/Billions of IDR)
Total % Total % Total % Total % Total % Total % Total % 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% 10.817,3 4,36% 11.199,8 4,50% 11.027,8 4,32% 12.276,0 4,66% 9.343,6 3,41% 10.024,8 3,58% 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% 6.598,1 2,52% 6.735,6 2,53% 5.810,3 2,05% 7.003,3 2,23% 7.345,5 2,14% 7.913,6 2,18% 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% 8.836,8 4,18% 9.031,2 4,21% 7.906,3 3,47% 8.663,2 3,70% 9.023,2 3,58% 9.412,8 3,60%
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% 26.252,1 3,64% 26.966,6 3,69% 24.744,4 3,23% 27.942,5 3,44% 25.712,3 2,96% 27.351,3 3,02%
Kredit Modal Kerja/ Working Capital Credits 11.967,4 4,59% 14.401,8 5,57% 15.574,0 5,67% 15.328,6 5,50% 15.777,8 5,57% 14.029,6 4,77% 13.365,6 4,35% 13.825,0 4,19% 14.901,8 4,15% Kredit Investasi/Investment Credits 2.768,4 4,93% 2.828,6 5,02% 3.140,0 5,30% 3.124,4 5,17% 3.213,8 5,18% 2.946,7 4,50% 3.037,0 4,26% 2.944,7 3,47% 3.171,0 3,88% Kredit Konsumsi/Consumer Credits 6.508,9 1,90% 7.114,6 2,04% 7.366,3 2,00% 7.799,1 2,04% 7.975,0 2,07% 7.768,1 1,91% 11.540,0 2,66% 8.942,6 1,97% 9.278,5 2,00%
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% 26.252,1 3,64% 26.966,6 3,69% 24.744,4 3,23% 27.942,5 3,44% 25.712,3 2,96% 27.351,3 3,02%
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% 1.618,8 7,05% 1.689,3 7,16% 1.586,9 6,44% 937,9 5,51% 770,3 4,21% 1.035,1 5,05%
Pertambangan/Mining 96,5 5,29% 80,8 4,71% 94,6 2,12% 116,1 2,72% 97,2 2,18% 93,0 2,18% 94,9 1,78% 286,0 4,15% 125,4 2,06%
Perindustrian/Manufacturing Industry 3.495,8 7,52% 4.211,7 9,53% 4.239,6 9,79% 3.196,4 7,74% 3.323,9 7,87% 2.646,7 5,93% 2.523,1 5,00% 2.457,7 4,68% 2.650,7 4,86%
Listrik, Gas dan Air/Electricity, Gas & Water 7,6 1,35% 2,9 0,57% 6,6 1,10% 14,2 2,11% 13,8 2,02% 17,9 2,54% 17,3 2,69% 20,0 2,71% 21,5 2,27%
Konstruksi/Construction 807,3 4,71% 1.043,0 6,34% 1.199,4 6,46% 1.323,0 6,57% 1.346,0 6,57% 1.186,3 6,13% 1.078,3 6,13% 1.286,0 6,27% 1.313,7 6,11%
Perdagangan, restoran dan hotel/Trade,
restaurants and hotels 7.077,8 4,25% 8.028,1 4,77% 8.822,7 4,91% 9.255,9 5,03% 9.602,1 5,11% 8.840,7 4,46% 7.876,4 4,51% 7.682,9 4,16% 9.409,5 4,57% Pengangkutan, pergudangan dan komunikasi
/Transportation, cargo storage and
communication 372,9 4,31% 391,6 4,61% 403,2 4,64% 449,5 5,12% 465,7 5,24% 414,8 4,45% 577,0 4,97% 588,3 4,84% 566,3 4,73% Jasa Dunia Usaha/Business Services 1.272,2 2,92% 1.462,7 3,42% 1.685,3 3,78% 1.843,8 4,10% 1.824,3 3,99% 1.604,8 3,39% 1.214,9 2,35% 1.188,2 2,31% 1.211,7 2,38%
Jasa Sosial/Social Services 240,9 3,17% 289,2 3,80% 273,8 3,37% 297,6 3,60% 305,7 3,58% 292,0 3,33% 728,6 5,04% 986,9 3,18% 1.073,7 3,04%
Lain-lain/Others 6.695,9 1,93% 7.386,0 2,10% 7.668,5 2,07% 8.136,8 2,11% 8.298,5 2,14% 8.061,3 1,97% 12.894,0 2,75% 10.446,0 2,13% 9.943,7 2,00%
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% 26.252,1 3,64% 26.966,6 3,69% 24.744,4 3,23% 27.942,5 3,44% 25.712,3 2,96% 27.351,3 3,02%
Bank Persero/State Banks 7.812,2 3,39% 10.537,2 4,47% 11.405,7 4,41% 11.206,9 4,21% 11.518,7 4,29% 9.783,6 3,43% 8.674,2 3,00% 9.069,4 2,96% 9.716,0 3,05% Bank Swasta Nasional Devisa/Foreign
Exchange Private National Banks 7.075,9 2,65% 7.930,2 3,09% 8.296,6 3,17% 8.411,5 3,16% 8.605,3 3,19% 7.943,3 2,78% 8.300,2 2,79% 8.299,0 2,59% 8.745,4 2,59% Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks 364,6 1,55% 476,2 1,91% 440,1 1,82% 530,3 2,01% 534,9 1,98% 523,3 1,75% 637,4 2,02% 808,2 2,12% 881,0 2,31% BPD/Regional Development Banks 1.195,0 1,36% 1.486,8 1,62% 1.689,6 1,67% 1.809,7 1,71% 1.854,0 1,72% 1.660,7 1,54% 2.301,0 2,06% 2.497,2 2,09% 2.666,4 2,16%
Bank Campuran/Joint Banks 277,6 3,26% 358,4 3,08% 641,8 5,32% 538,6 4,48% 563,7 4,53% 540,6 4,21% 655,8 2,95% 641,0 2,51% 580,2 2,43%
Bank Asing/Foreign Banks 2.078,0 12,31% 1.545,5 9,39% 1.556,0 9,81% 1.615,7 10,16% 1.715,8 10,72% 2.268,6 13,87% 5.178,3 17,94% 2.212,8 8,60% 2.443,3 8,75% BPR-BPRS/Rural Banks-Islamic Rural Banks 2.441,5 9,21% 2.010,8 7,55% 2.050,5 7,39% 2.139,5 7,45% 2.174,2 7,53% 2.024,2 6,86% 2.195,7 7,06% 2.184,8 6,56% 2.318,8 6,68%
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% 26.252,1 3,64% 26.966,6 3,69% 24.744,4 3,23% 27.942,5 3,44% 25.712,3 2,96% 27.351,3 3,02% 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% 27.332,1 4,26% 24.250,0 3,84% 20.939,6 3,15% 21.041,9 3,26% 21.952,2 3,04% 22.344,8 3,03% NPL-gross Perbankan/NPL-gross of
Banking's 44.493,5 3,33% 53.343,5 4,00% 54.723,7 4,02% 56.481,5 4,05% 54.170,6 3,88% 49.591,7 3,38% 51.021,0 3,43% 49.480,5 3,05% 51.600,1 3,08% 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% 11.489,7 1,59% 11.839,0 1,62% 10.319,2 1,35% 12.003,5 1,48% 12.306,0 1,42% 12.730,2 1,41%
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
6
NPL Tw/Qrt II 2010 *) NPL Tw/Qrt I 2010 *)
NPL Tw/Qrt III 2009 NPL Agt/Aug 2009
NPL Tw/Qrt II 2009 NPL Tw /Qrt IV 2009 NPL Agt/Aug 2010 *)
NPL Tw/Qrt I 2009 NPL Tw/Qrt IV 2008
