ProdukHukum BankIndonesia

(1)

NET EKSPANSI KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN

1

NET EXPANSION OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS

1

POSISI/POSITION

: AGUSTUS/AUGUST

2010

I.1. PERKEMBANGAN NET EKSPANSI KREDIT MKM DAN KREDIT PERBANKAN/NET EXPANSION OF MSM CREDITS AND BANKING CREDITS

(Miliar Rp/Billions of IDR)

Akumulasi/ Pangsa/ Jul+Agt Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw/Qrt I Tw/Qrt II Jul+Agt Akumulasi/

Net Ekspansi/Net Expansion Accumulation Share 2009 Accumulation Share 2009 2009 Accumulation Share 2010 *) 2010 *) 2010 *) Accumulation

2008 s.d Agt 2009 2009 2010 *)

Kredit MKM/MSM Credits 136.270,8 43,8% 3.351,7 37.539,5 19.721,7 60.612,9 100,5% 28.918,8 36.646,0 106.456,1 80,0% 45.493,5 56.684,3 35.547,3 137.725,1 Kredit Non MKM/Non MSM Credits 169.020,6 54,3% -4.420,0 -10.179,3 11.184,0 -3.415,3 -5,7% 1.469,5 33.430,1 20.300,4 15,3% -18.896,4 75.362,6 16.723,6 73.189,8

Kartu Kredit MKM/MSM Credit cards 5.735,5 1,8% -1.290,7 3.382,4 1.027,0 3.118,7 5,2% 1.846,2 2.406,0 6.344,0 4,8% -6.082,3 735,2 899,6 -4.447,6

Kredit Perbankan/Banking Credits 311.027,0 100,0% -2.358,9 30.742,7 31.932,6 60.316,4 100,0% 32.234,5 72.482,2 133.100,4 100,0% 20.514,8 132.782,1 53.170,5 206.467,4

Persentase terhadap Rencana Bisnis Kredit MKM/Percentage against Business Plan of

MSM Credits 101,09% 2,44% r 27,36% r 14,37% 44,17% 21,07% 26,71% 77,58% 26,30% 32,78% 20,55% 79,63%

I.2. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT PLAFON/NET EXPANSION OF MSM CREDITS BY PLAFOND

2008 s.d Agt 2009 2009 2010 *)

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

(up to Rp50 million) 31.551,0 23,2% 1.646,4 8.933,9 3.317,7 13.898,0 22,9% 4.238,4 6.304,8 21.123,5 19,8% 8.494,1 10.694,0 5.607,9 24.796,0 Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits

(>Rp50 million - Rp500 million) 66.576,2 48,9% 7.699,7 20.154,0 12.398,3 40.252,1 66,4% 17.442,0 17.327,1 62.622,9 58,8% 30.535,1 28.148,3 20.420,8 79.104,1 Kredit Menengah (>Rp500 jt-Rp5M)/Medium

Credits (>Rp500 million- Rp5 billion) 38.143,6 28,0% -5.994,4 8.451,6 4.005,7 6.462,8 10,7% 7.238,4 13.014,1 22.709,6 21,3% 6.464,3 17.842,1 9.518,7 33.825,0

Net Ekspansi Kredit MKM /Net Expansion of

MSM Credits 136.270,8 100,0% 3.351,7 37.539,5 19.721,7 60.612,9 100,0% 28.918,8 36.646,0 106.456,1 100,0% 45.493,5 56.684,3 35.547,3 137.725,1

I.3. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT SEKTOR EKONOMI/NET EXPANSION OF MSM CREDITS BY ECONOMIC SECTORS

2008 s.d Agt 2009 2009 2010 *)

Pertanian, perburuan dan sarana pertanian

/Agriculture,hunting and agricultural facilities 3.732,2 2,7% 365,1 1.379,5 11,7 1.756,2 2,9% 647,6 1.045,8 3.437,9 3,2% -7.620,1 1.252,3 2.236,9 -4.130,9

Pertambangan/Mining 296,3 0,2% -107,5 2.750,2 -203,4 2.439,3 4,0% -14,9 -190,2 2.437,7 2,3% 1.064,2 1.567,0 -796,3 1.834,8

Perindustrian/Manufacturing Industry 8.348,7 6,1% -2.308,1 -879,9 -2.016,6 -5.204,6 -8,6% -1.084,7 2.388,2 -1.884,5 -1,8% 5.876,2 1.981,8 2.131,5 9.989,4

Listrik, Gas dan Air/Electricity, Gas & Water 274,3 0,2% -49,2 87,7 71,0 109,5 0,2% 86,3 20,0 144,9 0,1% -62,2 95,1 206,8 239,7

Konstruksi/Construction 3.883,0 2,8% -700,6 2.137,7 1.568,3 3.005,3 5,0% 1.913,1 -1.151,6 2.198,5 2,1% -1.753,7 2.939,8 973,6 2.159,7

Perdagangan, restoran dan hotel/Trade,

restaurants and hotels 24.103,2 17,7% 1.773,8 11.232,6 4.320,2 17.326,6 28,6% 8.138,2 10.427,1 31.571,6 29,7% -23.560,6 10.036,9 21.371,9 7.848,2 Pengangkutan, pergudangan dan komunikasi

/Transportation, cargo storage and

communication 1.447,6 1,1% -165,8 196,0 91,6 121,8 0,2% 195,0 441,4 666,6 0,6% 2.291,0 529,6 -159,9 2.660,7

Jasa Dunia Usaha/Business Services 10.922,4 8,0% -861,4 1.845,4 369,2 1.353,2 2,2% 1.113,3 1.626,6 3.723,9 3,5% 4.378,0 -331,3 -379,8 3.666,9

Jasa Sosial/Social Services 931,9 0,7% 3,5 518,1 139,8 661,4 1,1% 422,2 211,1 1.154,8 1,1% 5.692,3 16.540,3 4.344,1 26.576,8

Lain-lain/Others 82.331,2 60,4% 5.401,9 18.272,3 15.370,1 39.044,2 64,4% 17.502,7 21.827,6 63.004,5 59,2% 59.188,4 22.072,7 5.618,6 86.879,8

MSM Credits 136.270,8 100,0% 3.351,7 37.539,5 19.721,7 60.612,9 100,0% 28.918,8 36.646,0 106.456,1 100,0% 45.493,5 56.684,3 35.547,3 137.725,1

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.

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.

Net Ekspansi adalah hasil pengurangan antara baki debet pada akhir bulan berjalan dengan baki debet pada akhir tahun sebelumnya (sudah memperhitungkan pelimpahan dan angsuran)/Net expansions are the subtraction of outstanding of MSM credit in one period by outstanding of MSM credit at the end of previous year (taking into account disbursement and installment).

Sudah termasuk net ekspansi Bank Umum Syariah/Expansion of Islamic Banks were included.

Sudah termasuk net ekspansi BPR/BPRS/Net expansion of Conventional and Islamic Rural Banks were included.

Business Plan Kredit MKM 2008 = Rp134,8 T/Business Plan of Micro, Small, and Medium (MSM) Credits 2008 = IDR134.8 trillion. Business Plan Kredit MKM 2009 = Rp137,2 T/Business Plan of Micro, Small, and Medium (MSM) Credits 2009 = IDR137.2 trillion.

Business Plan Kredit MKM 2010 (revisi) = Rp172,9 T/Business Plan of Micro, Small, and Medium (MSM) Credits 2010 (revised) = IDR172.9 trillion.

*) Angka Sementara/Preliminary Figures 1

Tw I/Qrt I Tw II/Qrt II

2009 2009

Tw I/Qrt I

2009

Tw II/Qrt II

2009

(2)

NET EKSPANSI KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN

1

NET EXPANSION OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS

1

POSISI/POSITION

: AGUSTUS/AUGUST

2010

I.4. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT JENIS PENGGUNAAN/NET EXPANSION OF MSM CREDITS BY TYPE OF UTILIZATION

2008 s.d Agt 2009 2009 2010 *)

Kredit Modal Kerja/Working Capital Credits 44.969,8 33,0% -2.602,7 16.227,1 4.153,9 17.778,2 29,3% 8.512,5 11.057,3 33.194,2 31,2% 12.974,3 22.786,0 29.402,4 65.162,7

Kredit Investasi/Investment Credits 10.047,8 7,4% 231,1 2.878,3 1.150,3 4.259,7 7,0% 2.860,6 3.426,9 9.397,0 8,8% 5.709,5 13.607,5 -3.020,4 16.296,6

Kredit Konsumsi/Consumer Credits 81.253,2 59,6% 5.723,3 18.434,1 14.417,5 38.575,0 63,6% 17.545,7 22.161,8 63.864,9 60,0% 26.809,6 20.290,9 9.165,3 56.265,8

MSM Credits 136.270,8 100,0% 3.351,7 37.539,5 19.721,7 60.612,9 100,0% 28.918,8 36.646,0 106.456,1 100,0% 45.493,5 56.684,3 35.547,3 137.725,1

I.5. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT KELOMPOK BANK/NET EXPANSION OF MSM CREDITS BY GROUP OF BANKS

2008 s.d Agt 2009 2009 2010 *)

Bank Persero/State Banks 53.412,7 39,2% 5.595,4 22.672,0 7.815,9 36.083,2 59,5% 10.260,9 16.453,3 54.981,5 51,6% 4.362,6 17.289,2 11.702,3 33.354,1

Bank Swasta Nasional Devisa/Foreign

Exchange Private National Banks 49.650,4 36,4% -10.674,6 5.466,8 4.142,6 -1.065,1 -1,8% 7.709,2 15.807,7 18.309,2 17,2% 12.185,4 22.554,5 17.640,8 52.380,7 Bank Swasta Nasional Non Devisa/Non

Foreign Exchange Private National Banks 2.870,5 2,1% 1.468,8 -732,9 2.142,4 2.878,4 4,7% 2.765,2 2.827,0 6.328,1 5,9% 1.695,3 6.559,4 27,8 8.282,5 BPD/Regional Development Banks 19.881,4 14,6% 4.140,4 9.192,2 4.629,9 17.962,5 29,6% 6.515,8 171,6 20.020,1 18,8% 3.765,1 7.892,0 4.232,9 15.889,9

Bank Campuran/Joint Banks 2.677,4 2,0% 3.123,3 427,9 -36,1 3.515,1 5,8% 375,6 401,9 4.328,7 4,1% 9.371,0 3.346,3 -1.650,6 11.066,7

Bank Asing/Foreign Banks 2.656,5 1,9% -431,7 -589,7 31,9 -989,5 -1,6% 145,7 348,5 -527,3 -0,5% 12.508,4 -3.130,6 2.175,4 11.553,2

BPR/Rural Banks 5.122,0 3,8% 130,1 1.103,3 995,0 2.228,3 3,7% 1.146,4 636,0 3.015,7 2,8% 1.605,6 2.173,5 1.418,8 5.197,9

MSM Credits 136.270,8 100,0% 3.351,7 37.539,5 19.721,7 60.612,9 100,0% 28.918,8 36.646,0 106.456,1 100,0% 45.493,5 56.684,3 35.547,3 137.725,1

I.6. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT 10 LOKASI PROYEK PROPINSI TERBESAR/NET EXPANSION OF MSM CREDITS BY 10 MAIN PROJECT LOCATION

2008 s.d Agt 2009 2009 2010 *)

1. DKI Jakarta/DKI Jakarta 21.902,3 16,1% -3.414,1 9.590,3 4.108,2 10.284,4 17,0% 4.800,8 7.733,2 18.710,2 17,6% 30.340,1 5.550,7 20.151,5 56.042,3

2. Jawa Barat/West Java 20.729,2 15,2% 1.296,2 5.302,2 2.483,0 9.081,3 15,0% 3.906,0 5.223,2 15.727,6 14,8% 3.863,6 11.349,0 1.962,0 17.174,6

3. Jawa Timur/East Java 13.796,6 10,1% 1.190,7 2.925,9 1.937,9 6.054,5 10,0% 2.969,7 4.961,9 12.048,2 11,3% 2.492,2 4.977,7 1.875,5 9.345,4

4. Banten/Banten 7.910,8 5,8% -735,6 125,4 511,7 -98,5 -0,2% 843,0 1.530,5 1.763,3 1,7% 2.456,7 4.085,9 2.142,7 8.685,3

5. Jawa Tengah/Central Java 11.845,8 8,7% 449,0 3.044,8 2.144,7 5.638,4 9,3% 2.648,8 2.511,7 8.654,3 8,1% 1.529,8 5.240,2 89,3 6.859,4

6. Sumatra Utara/North Sumatra 7.950,5 5,8% 56,2 1.740,2 1.149,2 2.945,6 4,9% 1.944,0 1.627,1 5.367,6 5,0% 1.203,3 1.746,1 1.276,6 4.226,0

7. Kalimantan Timur/East Kalimantan 2.805,4 2,1% 84,9 795,8 548,3 1.429,0 2,4% 811,2 666,4 2.358,2 2,2% 825,7 1.707,1 966,4 3.499,2

8. Sulawesi Selatan/South Sulawesi 5.047,1 3,7% 423,8 1.376,7 575,4 2.375,9 3,9% 738,5 2.099,0 4.638,0 4,4% 935,0 2.101,9 462,2 3.499,1

9. Sumatra Selatan/South Sumatra 3.847,9 2,8% 455,9 1.408,5 720,6 2.585,0 4,3% 998,5 1.191,2 4.054,0 3,8% 706,7 1.661,3 898,2 3.266,2

10. Sulawesi Utara/North Sulawesi 2.290,9 1,7% 192,4 284,2 288,3 764,8 1,3% 513,6 580,3 1.570,5 1,5% 1.398,7 1.729,3 79,0 3.207,0

Total 10 Propinsi/Total of 10 Provinces 98.126,5 72,0% -0,6 26.594,0 14.467,2 43.035,2 71,0% 20.174,1 28.124,4 78.079,9 73,3% 46.117,9 40.149,2 29.903,2 115.804,4 Propinsi Lainnya/Other Provinces 38.144,3 28,0% 3.352,4 10.945,6 5.254,5 17.577,7 29,0% 8.744,7 8.521,6 28.376,1 26,7% -624,4 16.535,2 5.644,1 21.920,7

MSM Credits 136.270,8 100,0% 3.351,7 37.539,5 19.721,7 60.612,9 100,0% 28.918,8 36.646,0 106.456,1 100,0% 45.493,5 56.684,3 35.547,3 137.725,1

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.

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.

Net Ekspansi adalah hasil pengurangan antara baki debet pada akhir bulan berjalan dengan baki debet pada akhir tahun sebelumnya (sudah memperhitungkan pelimpahan dan angsuran)/Net expansions are the subtraction of outstanding of MSM credit in one period by outstanding of MSM credit at the end of previous year (taking into account disbursement and installment).

Sudah termasuk net ekspansi Bank Umum Syariah/Expansion of Islamic Banks were included.

Sudah termasuk net ekspansi BPR/BPRS/Net expansion of Conventional and Islamic Rural Banks were included.

*) Angka Sementara/Preliminary Figures 2

2009 2009