NET EKSPANSI KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN
1NET EXPANSION OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1POSISI/POSITION
: DESEMBER/DECEMBER
2009
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/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
Kredit MKM/MSM Credits 96.178,2 45,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 43,8% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 80,0% Kredit Non MKM/Non MSM Credits 112.639,5 52,7% 17.767,3 53.606,4 50.630,2 47.016,7 169.020,6 54,3% -4.420,0 -10.179,3 1.469,5 33.426,1 20.296,4 15,3%
Kartu Kredit MKM/MSM Credit cards 4.797,1 2,2% 802,2 1.657,6 1.569,8 1.706,0 5.735,5 1,8% -1.290,7 3.382,4 1.846,2 2.406,0 6.344,0 4,8%
Kredit Perbankan/Banking Credits 213.614,8 100,0% 35.172,6 115.022,0 99.345,4 61.487,0 311.027,0 100,0% -2.358,9 30.742,7 32.234,5 72.454,1 133.072,4 100,0%
Persentase terhadap Rencana Bisnis Kredit MKM/Percentage against Business Plan of
MSM Credits*) 111,84% 12,32% 44,33% 34,97% 9,47% 101,09% 2,44% r 27,36% r 21,07% 26,69% 77,56%
I.2. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT PLAFON/NET EXPANSION OF MSM CREDITS BY PLAFOND
(Miliar Rp/Billions of IDR) Akumulasi/ Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
Kredit Mikro (Rp 0-Rp 50 juta)/Micro Credits
(up to Rp50 million) 20.561,4 21,4% 777,6 13.665,6 14.752,5 2.355,3 31.551,0 23,2% 1.646,4 8.933,9 4.238,4 6.374,5 21.193,2 19,9%
Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits
(>Rp50 million - Rp500 million) 38.635,6 40,2% 11.106,9 25.111,4 21.906,2 8.451,6 66.576,2 48,9% 7.699,7 20.154,0 17.442,0 17.297,4 62.593,2 58,8% Kredit Menengah (>Rp500 jt-Rp5M)/Medium
Credits (>Rp500 million- Rp5 billion) 36.981,2 38,5% 4.718,6 20.980,9 10.486,7 1.957,4 38.143,6 28,0% -5.994,4 8.451,6 7.238,4 12.950,0 22.645,6 21,3%
Net Ekspansi Kredit MKM /Net Expansion of
MSM Credits 96.178,2 100,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 100,0% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 100,0%
I.3. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT SEKTOR EKONOMI/NET EXPANSION OF MSM CREDITS BY ECONOMIC SECTORS
(Miliar Rp/Billions of IDR) Akumulasi/ Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
Pertanian, perburuan dan sarana pertanian
/Agriculture,hunting and agricultural facilities 2.478,5 2,6% 441,0 1.671,8 1.580,6 38,8 3.732,2 2,7% 365,1 1.379,5 647,6 990,5 3.382,6 3,2% Pertambangan/Mining 216,9 0,2% 144,2 35,3 104,3 12,4 296,3 0,2% -107,5 2.750,2 -14,9 -189,9 2.437,9 2,3% Perindustrian/Manufacturing Industry 1.221,6 1,3% 1.052,8 4.083,6 2.902,7 309,7 8.348,7 6,1% -2.308,1 -879,9 -1.084,7 2.382,0 -1.890,7 -1,8% Listrik, Gas dan Air/Electricity, Gas & Water -1.196,7 -1,2% 78,5 64,6 339,8 -208,5 274,3 0,2% -49,2 87,7 86,3 20,6 145,5 0,1% Konstruksi/Construction 3.127,9 3,3% -299,1 3.506,8 2.254,0 -1.578,8 3.883,0 2,8% -700,6 2.137,7 1.913,1 -1.146,4 2.203,8 2,1% Perdagangan, restoran dan hotel/Trade,
restaurants and hotels 28.320,2 29,4% -2.184,8 14.256,8 6.903,5 5.127,8 24.103,2 17,7% 1.773,8 11.232,6 8.138,2 10.487,4 31.631,9 29,7%
Pengangkutan, pergudangan dan komunikasi /Transportation, cargo storage and
communication 595,2 0,6% 351,9 644,0 436,2 15,5 1.447,6 1,1% -165,8 196,0 195,0 442,7 667,9 0,6%
Jasa Dunia Usaha/Business Services 7.345,3 7,6% 948,0 5.465,8 4.248,2 260,4 10.922,4 8,0% -861,4 1.845,4 1.113,3 1.616,0 3.713,3 3,5% Jasa Sosial/Social Services 649,9 0,7% 95,7 671,1 234,9 -69,8 931,9 0,7% 3,5 518,1 422,2 211,4 1.155,1 1,1% Lain-lain/Others 53.419,4 55,5% 15.975,0 29.358,2 28.141,3 8.856,6 82.331,2 60,4% 5.401,9 18.272,3 17.502,7 21.807,7 62.984,6 59,2%
Net Ekspansi Kredit MKM /Net Expansion of
MSM Credits 96.178,2 100,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 100,0% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 100,0%
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.
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).
Net ekspansi BPR/BPRS s.d November 2009/Net expansion of Conventional and Islamic Rural Banks were up to November 2009.
Sudah termasuk net ekspansi Bank Umum Syariah/Includes expansion of Islamic Banks.
*) Business Plan Kredit MKM 2007 = Rp86,0 T/Business Plan of Micro, Small, and Medium (MSM) Credits 2007 = IDR86,0 trillion.
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 (revisi) = Rp137,2 T/Business Plan of Micro, Small, and Medium (MSM) Credits 2009 (revised) = IDR137.2 trillion.
r = angka revisi/revised figures 1
NET EKSPANSI KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN
1NET EXPANSION OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS
1POSISI/POSITION
: DESEMBER/DECEMBER
2009
I.4. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT JENIS PENGGUNAAN/NET EXPANSION OF MSM CREDITS BY TYPE OF UTILIZATION
(Miliar Rp/Billions of IDR) Akumulasi/ Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
Kredit Modal Kerja/Working Capital Credits 35.029,4 36,4% 10,8 25.291,1 15.275,6 4.392,3 44.969,8 33,0% -2.602,7 16.227,1 8.512,5 10.949,2 33.086,1 31,1% Kredit Investasi/Investment Credits 7.946,7 8,3% 658,9 5.725,7 4.262,3 -599,0 10.047,8 7,4% 231,1 2.878,3 2.860,6 3.412,9 9.383,0 8,8% Kredit Konsumsi/Consumer Credits 53.202,1 55,3% 15.933,4 28.741,2 27.607,6 8.971,0 81.253,2 59,6% 5.723,3 18.434,1 17.545,7 22.259,8 63.962,9 60,1%
Net Ekspansi Kredit MKM /Net Expansion of
MSM Credits 96.178,2 100,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 100,0% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 100,0%
I.5. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT KELOMPOK BANK/NET EXPANSION OF MSM CREDITS BY GROUP OF BANKS
(Miliar Rp/Billions of IDR) Akumulasi/ Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
Bank Persero/State Banks 31.804,6 33,1% 1.655,2 22.772,5 18.381,5 10.603,5 53.412,7 39,2% 5.595,4 22.672,0 10.260,9 16.453,3 54.981,5 51,7% Bank Swasta Nasional Devisa/Foreign Exchange
Private National Banks 39.216,4 40,8% 8.954,2 22.760,9 15.991,6 1.943,7 49.650,4 36,4% -10.674,6 5.466,8 7.709,2 15.807,7 18.309,2 17,2%
Bank Swasta Nasional Non Devisa/Non Foreign
Exchange Private National Banks 3.668,4 3,8% 921,0 343,1 1.315,4 291,0 2.870,5 2,1% 1.468,8 -732,9 2.765,2 2.827,0 6.328,1 5,9%
BPD/Regional Development Banks 14.914,1 15,5% 2.548,3 8.919,7 7.626,7 786,6 19.881,4 14,6% 4.140,4 9.192,2 6.515,8 171,6 20.020,1 18,8%
Bank Campuran/Joint Banks 860,3 0,9% 1.237,6 521,7 936,8 -18,7 2.677,4 2,0% 3.123,3 427,9 375,6 401,9 4.328,7 4,1% Bank Asing/Foreign Banks 1.890,5 2,0% 167,2 2.026,3 1.021,8 -558,8 2.656,5 1,9% -431,7 -589,7 145,7 348,5 -527,3 -0,5%
BPR/Rural Banks 3.823,9 4,0% 1.119,5 2.413,8 1.871,8 -283,1 5.122,0 3,8% 130,1 1.103,3 1.146,4 612,0 2.991,7 2,8%
Net Ekspansi Kredit MKM /Net Expansion of
MSM Credits 96.178,2 100,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 100,0% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 100,0%
I.6. PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT 10 LOKASI PROYEK PROPINSI TERBESAR/NET EXPANSION OF MSM CREDITS BY 10 MAIN PROJECT LOCATION
(Miliar Rp/Billions of IDR) Akumulasi/ Pangsa/ Tw I/Qrt I Tw II/Qrt II Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Akumulasi/ Pangsa/
Net Ekspansi/Net Expansion Accumulation Share 2008 2008 r 2008 r 2008 Accumulation Share 2009 2009 Accumulation Share
2007 2008 2009
1. DKI Jakarta/DKI Jakarta 17.268,2 18,0% -1.005,8 9.519,9 11.895,7 1.492,5 21.902,3 16,1% -3.414,1 9.590,3 4.800,8 7.708,8 18.685,8 17,6% 2. Jawa Barat/West Java 14.080,0 14,6% 3.394,5 8.741,7 6.414,4 2.178,7 20.729,2 15,2% 1.296,2 5.302,2 3.906,0 5.202,2 15.706,6 14,8% 3. Jawa Timur/East Java 11.261,4 11,7% 1.647,0 6.631,2 4.165,9 1.352,5 13.796,6 10,1% 1.190,7 2.925,9 2.969,7 4.966,1 12.052,4 11,3% 4. Jawa Tengah/Central Java 8.929,8 9,3% 2.093,1 5.313,9 3.346,8 1.092,0 11.845,8 8,7% 449,0 3.044,8 2.648,8 2.491,4 8.633,9 8,1% 5. Sumatera Utara/North Sumatera 4.960,9 5,2% 1.509,5 3.693,2 2.530,9 216,9 7.950,5 5,8% 56,2 1.740,2 1.944,0 1.624,5 5.364,9 5,0% 6. Sulawesi Selatan/South Sulawesi 2.782,0 2,9% 980,6 2.035,6 1.455,5 575,4 5.047,1 3,7% 423,8 1.376,7 738,5 2.095,2 4.634,1 4,4% 7. Sumatera Selatan/South Sumatera 2.075,0 2,2% 750,3 1.595,8 1.330,1 171,6 3.847,9 2,8% 455,9 1.408,5 998,5 1.190,8 4.053,6 3,8% 8. Riau/Riau 2.702,1 2,8% 954,8 2.245,3 1.325,7 93,3 4.619,3 3,4% 360,3 1.068,3 1.006,4 753,6 3.188,7 3,0% 9. Nanggroe Aceh Darussalam 1.814,0 1,9% 645,1 1.062,4 760,3 409,5 2.877,4 2,1% 206,5 1.035,2 839,2 932,4 3.013,3 2,8% 10. Bali/Bali 2.083,9 2,2% 408,5 1.421,2 1.065,0 532,0 3.426,6 2,5% 454,2 816,6 769,0 887,0 2.926,9 2,8%
Total 10 Propinsi/Total of 10 Provinces 67.957,2 70,7% 11.377,6 42.260,3 34.290,3 8.114,4 96.042,7 70,5% 1.478,8 28.308,7 20.621,0 27.852,0 78.260,3 73,5%
Propinsi Lainnya/Other Provinces 28.221,0 29,3% 5.225,5 17.497,7 12.855,2 4.649,8 40.228,2 29,5% 1.873,0 9.230,9 8.297,8 8.770,0 28.171,6 26,5%
Net Ekspansi Kredit MKM /Net Expansion of
MSM Credits 96.178,2 100,0% 16.603,1 59.758,0 47.145,5 12.764,2 136.270,8 100,0% 3.351,7 37.539,5 28.918,8 36.622,0 106.432,0 100,0%
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.
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).
Net ekspansi BPR/BPRS s.d November 2009/Net expansion of Conventional and Islamic Rural Banks were up to November 2009.
Sudah termasuk net ekspansi Bank Umum Syariah/Includes expansion of Islamic Banks.
r = angka revisi/revised figures
