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

: AGUSTUS/AUGUST

2010

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 Agt/Aug Pangsa/ Tw III/Qrt III Tw IV/Qrt IV Pangsa/ Tw I/Qrt I Tw II/Qrt II Agt/Aug Pangsa/ Pertumbuhan/ Pertumbuhan/

Baki Debet/Outstanding 2008 Share 2009 2009 2009 Share 2009 2009 Share 2010 *) 2010 *) 2010 *) Share Growth Growth

Agt 09 - Agt 10 Des 09 - Agt 10

Kredit MKM/MSM Credits 660.445,3 49,5% 663.797,0 701.336,6 721.058,2 51,7% 730.255,3 766.901,4 52,3% 812.394,8 869.079,1 904.626,5 54,0% 25,5% 18,0% Kredit Non MKM/Non MSM Credits 644.270,3 48,3% 639.850,3 629.671,1 640.855,0 45,9% 631.140,5 664.570,6 45,3% 645.674,3 721.036,9 737.760,5 44,1% 15,1% 11,0% Kartu Kredit MKM/MSM Credit cards 29.701,1 2,2% 28.410,5 31.792,9 32.819,9 2,4% 33.639,1 36.045,2 2,5% 29.962,9 30.698,0 31.597,6 1,9% -3,7% -12,3% Jml. Rekening MKM/Total of MSM Accounts 23.482.337 23.869.524 24.110.458 24.241.002 24.797.011 24.887.284 28.817.134 30.238.821 29.633.121 22,2% 19,1% Kredit perbankan/Banking Credits 1.334.416,7 100,0% 1.332.057,8 1.362.800,5 1.394.733,1 100,0% 1.395.035,0 1.467.517,2 100,0% 1.488.032,0 1.620.814,1 1.673.984,6 100,0% 20,0% 14,1%

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

Agt 09 - Agt 10 Des 09 - Agt 10

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

Rp50 million) 234.025,0 35,4% 235.671,5 244.605,3 247.923,0 34,4% 248.843,7 255.148,6 33,3% 263.642,7 274.336,7 279.944,5 30,9% 12,9% 9,7% Kredit Kecil (>Rp 50 jt-Rp500jt)/Small Credits

(>Rp50 million - Rp500 million) 221.395,0 33,5% 229.094,7 249.248,7 261.647,1 36,3% 266.690,8 284.017,9 37,0% 314.552,9 342.701,2 363.122,0 40,1% 38,8% 27,9% Kredit Menengah (>Rp500 jt-Rp5M)/Medium

Credits (>Rp500 million- Rp5 billion) 205.025,3 31,0% 199.030,8 207.482,5 211.488,1 29,3% 214.720,8 227.734,9 29,7% 234.199,2 252.041,3 261.560,0 28,9% 23,7% 14,9%

Total/Total 660.445,3 100,0% 663.797,0 701.336,6 721.058,2 100,0% 730.255,3 766.901,4 100,0% 812.394,8 869.079,1 904.626,5 100,0% 25,5% 18,0%

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

Agt 09 - Agt 10 Des 09 - Agt 10

Bank Persero/State Banks 230.152,2 34,8% 235.747,6 258.419,6 266.235,5 36,9% 268.680,5 285.133,8 37,2% 289.496,4 306.785,5 318.487,9 35,2% 19,6% 11,7% Bank Swasta Nasional Devisa/Foreign Exchange

Private National Banks 267.228,1 40,5% 256.553,6 262.020,4 266.163,0 36,9% 269.729,6 285.537,3 37,2% 297.722,7 320.277,3 337.918,1 37,4% 27,0% 18,3% Bank Swasta Nasional Non Devisa/Non Foreign

Exchange Private National Banks 23.503,3 3,6% 24.972,1 24.239,2 26.381,7 3,7% 27.004,5 29.831,4 3,9% 31.526,7 38.086,1 38.113,9 4,2% 44,5% 27,8% BPD/Regional Development Banks 87.654,9 13,3% 91.795,3 100.987,5 105.617,4 14,6% 107.503,3 107.674,9 14,0% 111.440,0 119.332,0 123.564,9 13,7% 17,0% 14,8% Bank Campuran/Joint Banks 8.520,6 1,3% 11.644,0 12.071,9 12.035,7 1,7% 12.447,4 12.849,3 1,7% 22.220,4 25.566,7 23.916,1 2,6% 98,7% 86,1% Bank Asing/Foreign Banks 16.885,8 2,6% 16.454,2 15.864,4 15.896,4 2,2% 16.010,1 16.358,6 2,1% 28.867,0 25.736,4 27.911,8 3,1% 75,6% 70,6% BPR-BPRS/Rural Banks-Islamic Rural Banks 26.500,3 4,0% 26.630,3 27.733,6 28.728,6 4,0% 28.880,0 29.516,0 3,8% 31.121,6 33.295,2 34.713,9 3,8% 20,8% 17,6%

Total 660.445,3 100,0% 663.797,0 701.336,6 721.058,2 100,0% 730.255,3 766.901,4 100,0% 812.394,8 869.079,1 904.626,5 100,0% 25,5% 18,0%

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

Agt 09 - Agt 10 Des 09 - Agt 10

Pertanian, perburuan dan sarana pertanian

/Agriculture,hunting and agricultural facilities 21.210,0 3,2% 21.575,1 22.954,6 22.966,2 3,2% 23.602,2 24.648,0 3,2% 17.027,8 18.280,2 20.517,1 2,3% -10,7% -16,8% Pertambangan/Mining 1.824,2 0,3% 1.716,8 4.467,0 4.263,6 0,6% 4.452,1 4.261,9 0,6% 5.326,1 6.893,0 6.096,7 0,7% 43,0% 43,1% Perindustrian/Manufacturing Industry 46.487,3 7,0% 44.179,2 43.299,3 41.282,7 5,7% 42.214,6 44.602,8 5,8% 50.479,0 52.460,8 54.592,3 6,0% 32,2% 22,4% Listrik, Gas dan Air/Electricity, Gas & Water 560,9 0,1% 511,8 599,5 670,4 0,1% 685,8 705,8 0,1% 643,6 738,8 945,5 0,1% 41,0% 34,0% Konstruksi/Construction 17.140,1 2,6% 16.439,5 18.577,1 20.145,4 2,8% 20.490,3 19.338,6 2,5% 17.585,0 20.524,8 21.498,4 2,4% 6,7% 11,2% Perdagangan, restoran dan hotel/Trade,

restaurants and hotels 166.677,4 25,2% 168.451,2 179.683,8 184.004,0 25,5% 187.822,0 198.249,0 25,9% 174.688,4 184.725,4 206.097,3 22,8% 12,0% 4,0% Pengangkutan, pergudangan dan komunikasi

/Transportation, cargo storage and

communication 8.656,5 1,3% 8.490,7 8.686,7 8.778,3 1,2% 8.881,8 9.323,2 1,2% 11.614,1 12.143,7 11.983,9 1,3% 36,5% 28,5%

Jasa Dunia Usaha/Business Services 43.621,7 6,6% 42.760,3 44.605,7 44.974,9 6,2% 45.719,0 47.345,6 6,2% 51.723,6 51.392,4 51.012,5 5,6% 13,4% 7,7% Jasa Sosial/Social Services 7.608,0 1,2% 7.611,5 8.129,6 8.269,4 1,1% 8.551,7 8.762,8 1,1% 14.455,1 30.995,4 35.339,6 3,9% 327,4% 303,3% Lain-lain/Others 346.659,0 52,5% 352.060,9 370.333,2 385.703,3 53,5% 387.835,9 409.663,6 53,4% 468.851,9 490.924,7 496.543,3 54,9% 28,7% 21,2%

Total/Total 660.445,3 100,0% 663.797,0 701.336,6 721.058,2 100,0% 730.255,3 766.901,4 100,0% 812.394,8 869.079,1 904.626,5 100,0% 25,5% 18,0%

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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.

Sudah termasuk baki debet BPR/BPRS/Outstanding of Conventional and Islamic Rural Banks were included.

*) Angka Sementara/Preliminary 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

: AGUSTUS/AUGUST

2010

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

Agt 09 - Agt 10 Des 09 - Agt 10

Kredit Modal Kerja/Working Capital Credits 260.965,4 39,5% 258.362,7 274.589,8 278.743,6 38,7% 283.102,3 294.159,6 38,4% 307.133,9 329.919,9 359.322,3 39,7% 28,9% 22,2%

- Kredit Mikro/Micro Credits 50.134,9 21,4% 51.500,7 56.185,7 55.512,3 22,4% 57.574,3 58.382,1 22,9% 73.319,3 79.435,1 89.663,6 32,0% 61,5% 53,6% - Kredit Kecil/Small Credits 70.775,8 32,0% 71.361,7 75.527,5 77.963,7 29,8% 78.532,3 80.243,6 28,3% 79.991,2 85.182,9 97.098,0 26,7% 24,5% 21,0% - Kredit Menengah/Medium Credits 140.054,7 68,3% 135.500,3 142.876,6 145.267,7 68,7% 146.995,7 155.533,8 68,3% 153.823,4 165.301,9 172.560,8 66,0% 18,8% 10,9%

Kredit Investasi/Investment Credits 56.119,4 8,5% 56.350,5 59.228,8 60.379,1 8,4% 62.089,4 65.516,4 8,5% 71.225,9 84.833,4 81.813,0 9,0% 35,5% 24,9%

- Kredit Mikro/Micro Credits 10.288,4 4,4% 10.595,8 11.336,3 11.515,1 4,6% 11.837,7 12.199,1 4,8% 12.308,3 16.354,8 11.876,3 4,2% 3,1% -2,6% - Kredit Kecil/Small Credits 15.138,1 6,8% 15.531,9 17.277,9 17.932,7 6,9% 18.946,0 20.735,0 7,3% 23.569,3 31.319,8 31.498,3 8,7% 75,6% 51,9% - Kredit Menengah/Medium Credits 30.692,9 15,0% 30.222,8 30.614,6 30.931,3 14,6% 31.305,7 32.582,2 14,3% 35.348,3 37.158,8 38.438,3 14,7% 24,3% 18,0%

Kredit Konsumsi/Consumer Credits 343.360,5 52,0% 349.083,9 367.517,9 381.935,5 53,0% 385.063,6 407.225,4 53,1% 434.035,0 454.325,9 463.491,2 51,2% 21,4% 13,8%

- Kredit Mikro/Micro Credits 173.601,7 74,2% 173.575,0 177.083,4 180.895,7 73,0% 179.431,7 184.567,3 72,3% 178.015,1 178.546,8 178.404,6 63,7% -1,4% -3,3% - Kredit Kecil/Small Credits 135.412,8 61,2% 142.201,1 156.443,4 165.750,6 63,3% 169.212,5 183.039,2 64,4% 210.992,4 226.198,4 234.525,7 64,6% 41,5% 28,1% - Kredit Menengah/Medium Credits 34.346,0 16,7% 33.307,7 33.991,2 35.289,1 16,7% 36.419,4 39.618,9 17,4% 45.027,5 49.580,7 50.560,9 19,3% 43,3% 27,6%

Total/Total 660.445,3 100,0% 663.797,0 701.336,6 721.058,2 100,0% 730.255,3 766.901,4 100,0% 812.394,8 869.079,1 904.626,5 100,0% 25,5% 18,0%

- Kredit Mikro/Micro Credits 234.025,0 35,4% 235.671,5 244.605,3 247.923,0 34,4% 248.843,7 255.148,6 33,3% 263.642,7 274.336,7 279.944,5 30,9% 12,9% 9,7%

- Kredit Kecil/Small Credits 221.326,7 33,5% 229.094,7 249.248,7 261.647,1 36,3% 266.690,8 284.017,9 37,0% 314.552,9 342.701,2 363.122,0 40,1% 38,8% 27,9%

- Kredit Menengah/Medium Credits 205.093,5 31,1% 199.030,8 207.482,5 211.488,1 29,3% 214.720,8 227.734,9 29,7% 234.199,2 252.041,3 261.560,0 28,9% 23,7% 14,9%

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

Agt 09 - Agt 10 Des 09 - Agt 10

Jawa Bali/Java & Bali 435.422,0 65,9% 434.825,2 457.056,7 468.924,7 65,0% 473.382,2 496.573,0 64,8% 538.057,0 571.212,6 598.013,1 66,1% 27,5% 20,4%

Di luar Jawa Bali/Outside Java & Bali 225.023,3 34,1% 228.971,8 244.279,8 252.133,5 35,0% 256.873,1 270.328,4 35,2% 274.337,9 297.866,5 306.613,4 33,9% 21,6% 13,4% Nasional/National 660.445,3 100,0% 663.797,0 701.336,6 721.058,2 100,0% 730.255,3 766.901,4 100,0% 812.394,8 869.079,1 904.626,5 100,0% 25,5% 18,0%

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

Agt 09 - Agt 10 Des 09 - Agt 10

1. DKI Jakarta/DKI Jakarta 137.231,6 20,8% 133.817,4 143.407,7 147.516,0 20,5% 148.208,5 155.941,7 20,3% 186.281,9 191.832,5 211.984,0 23,4% 43,7% 35,9% 2. Jawa Barat/West Java 102.128,9 15,5% 103.425,1 108.727,3 111.210,2 15,4% 112.633,3 117.856,5 15,4% 121.720,1 133.069,1 135.031,1 14,9% 21,4% 14,6% 3. Jawa Timur/East Java 77.308,7 11,7% 78.499,4 81.425,3 83.363,2 11,6% 84.395,0 89.356,9 11,7% 91.849,1 98.081,0 99.956,4 11,0% 19,9% 11,9% 4. Jawa Tengah/Central Java 63.384,6 9,6% 63.833,5 66.878,3 69.023,0 9,6% 69.527,1 72.038,8 9,4% 73.568,6 78.808,9 78.898,2 8,7% 14,3% 9,5% 5. Sumatera Utara/North Sumatra 34.495,9 5,2% 34.552,2 36.292,4 37.441,6 5,2% 38.236,4 39.863,5 5,2% 41.066,8 43.237,6 44.514,1 4,9% 18,9% 11,7% 6. Banten/Banten 29.884,5 4,5% 29.148,9 29.274,3 29.786,0 4,1% 30.117,3 31.647,8 4,1% 34.104,5 36.936,3 39.078,9 4,3% 31,2% 23,5% 7. Sulawesi Selatan/South Sulawesi b 22.410,4 3,4% 22.834,2 24.210,9 24.786,3 3,4% 24.949,4 27.048,4 3,5% 27.983,4 30.077,5 30.539,7 3,4% 23,2% 12,9% 8. Riau/Riau a 17.020,4 2,6% 17.380,7 18.449,0 19.122,8 2,7% 19.455,5 20.208,6 2,6% 20.574,4 22.582,6 23.162,9 2,6% 21,1% 14,6% 9. Bali/Bali 16.311,4 2,5% 16.765,7 17.582,3 17.957,9 2,5% 18.351,3 19.236,2 2,5% 19.867,0 21.053,4 21.440,5 2,4% 19,4% 11,5% 10. Sumatera Selatan/South Sumatera 14.289,2 2,2% 14.745,1 16.153,6 16.874,2 2,3% 17.152,0 18.343,2 2,4% 19.049,9 20.714,2 21.612,3 2,4% 28,1% 17,8%

Total 10 Propinsi/Total of 10 Provinces 514.465,6 77,9% 515.002,2 542.401,1 557.081,0 77,3% 563.025,9 591.541,6 77,1% 636.065,9 676.393,0 706.218,2 78,1% 26,8% 19,4%

Propinsi Lainnya/Other Provinces 145.979,7 148.794,8 158.935,4 163.977,2 167.229,4 175.359,8 176.329,0 192.686,1 198.408,3 21,0% 13,1%

Total Kredit MKM Nasional/Total of National's

MSM Credits 660.445,3 663.797,0 701.336,6 721.058,2 730.255,3 766.901,4 812.394,8 869.079,1 904.626,5 25,5% 18,0%

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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

: AGUSTUS/AUGUST

2010

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

Agt 09 - Agt 10 Des 09 - Agt 10

1. Sulawesi Selatan/South Sulawesi 22.410,4 22,2% 22.834,2 24.210,9 24.786,3 21,8% 24.949,4 27.048,4 22,0% 27.983,4 30.077,5 30.539,7 22,0% 23,2% 12,9% 2. Kalimantan Timur/East Kalimantan 14.099,0 14,0% 14.184,0 14.979,8 15.528,1 13,6% 15.790,9 16.457,3 13,4% 17.283,0 18.816,0 19.782,3 14,3% 27,4% 20,2% 3. Sulawesi Utara/North Sulawesi 8.371,8 8,3% 8.564,2 8.848,4 9.136,6 8,0% 9.362,0 9.942,3 8,1% 11.341,0 12.882,8 12.961,8 9,3% 41,9% 30,4% 4. Kalimantan Selatan/South Kalimantan 8.989,2 8,9% 9.229,2 9.749,0 10.054,5 8,8% 10.322,2 10.674,7 8,7% 11.009,8 11.932,6 12.155,2 8,8% 20,9% 13,9% 5. Kalimantan Barat/West Kalimantan 7.949,9 7,9% 8.096,9 8.679,3 8.925,3 7,8% 9.135,1 9.762,0 8,0% 10.147,8 10.936,6 11.277,0 8,1% 26,3% 15,5% 6. NTB/West Nusa Tenggara 6.674,8 6,6% 7.035,8 7.467,1 7.628,8 6,7% 7.695,9 8.088,2 6,6% 8.429,1 9.401,8 9.408,7 6,8% 23,3% 16,3% 7. Sulawesi Tengah/Central Sulawesi 5.788,6 5,7% 5.923,4 6.416,8 6.566,8 5,8% 6.702,6 6.983,7 5,7% 7.154,2 7.928,5 7.632,2 5,5% 16,2% 9,3% 8. NTT/East Nusa Tenggara 5.608,1 5,6% 5.732,6 6.262,2 6.557,3 5,8% 6.609,7 6.899,6 5,6% 6.847,8 7.703,9 7.587,1 5,5% 15,7% 10,0% 9. Papua/Papua 4.530,2 4,5% 4.655,9 5.160,0 5.405,5 4,7% 5.561,3 5.802,3 4,7% 6.236,5 6.785,5 6.732,9 4,9% 24,6% 16,0% 10. Kalimantan Tengah/Central Kalimantan 3.530,9 3,5% 3.753,1 4.278,9 4.437,6 3,9% 4.538,6 4.761,1 3,9% 5.033,8 5.465,6 5.562,7 4,0% 25,4% 16,8% 11. Sulawesi Tenggara/Southeast Sulawesi 3.915,3 3,9% 4.076,9 4.283,0 4.396,4 3,9% 4.501,8 4.767,0 3,9% 4.484,0 5.075,7 5.135,3 3,7% 16,8% 7,7% 12. Maluku/Maluku 2.327,4 2,3% 2.440,2 2.701,0 2.825,2 2,5% 3.418,2 3.023,4 2,5% 2.997,9 3.425,4 3.474,1 2,5% 23,0% 14,9% 13. Papua Barat/West Papua d 1.486,3 1,5% 1.505,4 1.724,2 1.700,6 1,5% 1.819,6 2.042,9 1,7% 986,0 1.258,4 2.086,2 1,5% 22,7% 2,1% 14. Maluku Utara/North Maluku 1.229,0 1,2% 1.314,3 1.475,7 1.563,5 1,4% 1.520,4 1.647,2 1,3% 1.502,8 1.612,8 1.684,5 1,2% 7,7% 2,3% 15. Sulawesi Barat/West Sulawesi e 1.782,9 1,8% 1.519,3 1.633,9 1.728,7 1,5% 1.755,3 1.806,7 1,5% 463,8 1.042,3 1.562,3 1,1% -9,6% -13,5% 16. Gorontalo/Gorontalo c 2.037,5 2,0% 2.146,7 2.493,0 2.645,0 2,3% 2.768,8 3.021,4 2,5% 1.777,0 1.285,8 1.191,5 0,9% -55,0% -60,6%

Total Kredit MKM KTI/Total of MSM Credits in EIA 100.731,5 100,0% 103.012,2 110.363,2 113.886,2 100,0% 116.451,7 122.728,4 100,0% 123.678,2 135.631,4 138.773,6 100,0% 21,9% 13,1%

Total NPL KTI/Total of NPL in EIA r 2.362,4 2.974,3 3.305,4 3.587,1 3.595,2 3.122,8 3.249,0 3.325,3 3.596,9 0,3% 15,2%

% NPL KTI/% of NPL in EIA r 2,35% 2,89% 3,00% 3,15% 3,09% 2,54% 2,63% 2,45% 2,59%

Total NPL KBI/Total of NPL in WIA r 18.882,3 21.371 22.775 22.665,0 23.371 21.622 24.693,6 22.387,0 23.754,4 4,8% 9,9%

% NPL KBI/% of NPL in WIA r 3,37% 3,81% 3,85% 3,73% 3,81% 3,36% 3,59% 3,05% 3,10%

Total Kredit MKM/Total of MSM Credits 660.445,3 663.797,0 701.336,6 721.058,2 730.255,3 766.901,4 812.394,8 869.079,1 904.626,5 25,5% 18,0%

Total Kredit MKM KBI/Total of MSM Credits in

Western Indonesian Area (WIA) 559.713,8 560.784,8 590.973,4 607.172,0 613.803,6 644.173,0 688.716,6 733.447,8 765.852,9 26,1% 18,9%

% KBI thd Kredit MKM Nasional/Contribution of

MSM Credits in WIA to National MSM Credits 84,7% 84,5% 84,3% 84,2% 84,1% 84,0% 84,8% 84,4% 84,7%

% KTI thd total Kredit MKM/ Contribution of MSM

Credits in EIA to National's MSM Credits 15,3% 15,5% 15,7% 15,8% 15,9% 16,0% 15,2% 15,6% 15,3%

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r = angka revisi sejak Triwulan IV 2008 s.d Triwulan III 2009/Revised figures since 4th Quarter 2008 to 3rd Quarter 2009.