FDRNPL
MKM 1) MKM 1)
1. Pertanian 1. Agriculture
Baki Debet 26.285 40.423 Total
NPL 803 2.005 NPL
2. Pertambangan 2. Mining
Baki Debet 9.020 17.135 Total
NPL 124 262 NPL
3. Perindustrian 3. Manufacturing
Baki Debet 70.380 80.823 Total
NPL 2.502 2.900 NPL
4. Listrik 4. Electricity
Baki Debet 1.316 1.532 Total
NPL 45 131 NPL
5. Konstruksi 5. Construction
Baki Debet 25.834 31.020 Total
NPL 1.441 1.637 NPL
6. Perdagangan 6. Trading
Baki Debet 235.105 294.095 Total
NPL 8.885 10.625 NPL
7. Pengangkutan 7. Transportation
Baki Debet 11.293 14.160 Total
NPL 313 351 NPL
8. Jasa Dunia Usaha 8. Business Services
Baki Debet 78.206 81.707 Total
NPL 1.252 1.754 NPL
9. Jasa Sosial 9. Social Services
Baki Debet 86.867 63.687 Total
NPL 2.073 1.942 NPL
10. Lain-lain 10. Others
Baki Debet 607.085 726.024 Total
NPL 8.678 10.107 NPL
Baki Debet 1.151.392 1.350.606 Baki Debet
NPL 26.115 31.714 NPL
1)
r) r) diperbaiki r) revised
Jumlah Total
Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon,sedangkan data UMKM sudah sesuai dengan kriteria usaha pada UU No. 20 tentang UMKM
1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
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UMKM UMKM
1. Modal Kerja 1. Working Capital
Baki Debet 355.888 403.047 429.683 429.773 433.602 444.030 430.073 438.024 449.340 455.447 461.219 473.939 472.234 471.274 478.739 478.941 482.644 490.262 Total NPL 12.770 13.645 15.597 15.869 15.654 14.652 16.325 17.061 17.004 17.672 18.972 18.732 19.688 20.239 19.874 19.696 19.925 18.761 NPL
2. Investasi 2. Investment
Baki Debet 102.275 123.350 159.678 159.455 161.770 164.792 164.652 166.778 170.061 172.075 174.210 177.341 178.946 177.366 176.889 175.579 178.206 181.459 Total NPL 2.903 3.366 5.013 5.169 4.979 4.863 5.400 5.542 5.636 5.816 6.281 6.519 6.842 7.213 7.205 6.784 6.918 6.398 NPL
3. Konsumsi 3. Consumption
Baki Debet - - - - Total NPL - - - - NPL
3. Tidak Teridentifikasi 4. Un-identified
Baki Debet 1 0 0 - - 1 - - - - 0 - - 1 - 0 0 - Total NPL 1 - - - - NPL Baki Debet 458.164 526.397 589.361 589.229 595.372 608.823 594.725 604.802 619.400 627.523 635.429 651.280 651.180 648.640 655.627 654.521 660.850 671.721 Baki Debet NPL 15.674 17.011 20.610 21.038 20.633 19.515 21.725 22.603 22.640 23.488 25.253 25.251 26.530 27.451 27.078 26.480 26.843 25.159
MKM 1) MKM 1)
1. Modal Kerja 1. Working Capital
Baki Debet 427.154 483.595 Total
NPL 14.233 17.473 NPL
2. Investasi 2. Investment
Baki Debet 117.247 141.492 Total
NPL 3.205 4.134 NPL
3. Konsumsi 3. Consumption
Baki Debet 606.991 725.519 Total
NPL 8.677 10.106 NPL
Baki Debet 1.151.392 1.350.606 Baki Debet
NPL 26.115 31.714
2012 2011
1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon, sedangkan data UMKM sudah sesuai dengan kriteria usaha
NPL
Tabel 4.29 Kredit dan Non Performing Loan UMKM dan MKM Menurut Jenis Penggunaan (SMEs Credit and NPL Credit Based on Type of Use)
Miliar Rp (Billion Rp)
Jenis Penggunaan Type of Use
Jumlah
2013
Total
2014
Total NPL Jumlah
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UMKM1)
1. Bank Persero 1. State Owned Banks
Baki Debet 222.645 242.861 289.758 291.609 294.745 304.751 294.889 299.197 304.919 306.899 311.149 319.620 319.977 321.455 327.551 328.783 334.151 341.804 Total
Mikro 58.287 66.555 84.372 85.074 86.214 87.657 87.737 89.238 90.703 92.639 94.982 98.439 100.360 100.552 102.213 103.743 105.419 106.269 Micro
Kecil 86.113 98.136 115.995 117.004 118.274 122.730 118.737 120.745 122.922 123.736 125.301 128.554 128.217 128.581 130.441 130.833 133.980 136.580 Small
Menengah 78.245 78.169 89.391 89.531 90.257 94.363 88.416 89.214 91.293 90.523 90.866 92.627 91.400 92.322 94.898 94.207 94.752 98.956 Medium
NPL 9.019 9.093 11.236 11.212 10.908 10.362 11.680 12.265 11.966 12.270 13.297 13.016 13.729 13.974 13.425 13.399 13.279 12.138 NPL
Mikro 1.174 1.214 1.662 1.655 1.614 1.481 1.803 1.845 1.872 1.906 2.067 2.104 2.199 2.175 2.108 2.086 2.056 1.829 Micro
Kecil 4.450 4.694 5.466 5.332 5.186 4.922 5.453 5.722 5.582 5.576 6.128 6.082 6.410 6.561 6.218 6.137 6.076 5.552 Small
Menengah 3.395 3.185 4.108 4.226 4.108 3.960 4.425 4.697 4.512 4.788 5.102 4.831 5.120 5.237 5.099 5.175 5.146 4.757 Medium
2. BPD 2. Regional Development Banks
Baki Debet 31.314 45.082 45.649 47.339 48.931 46.896 44.355 45.225 46.089 47.234 48.145 49.588 50.258 50.924 51.828 52.631 52.970 50.837 Total
Mikro 4.509 9.038 9.018 9.285 9.310 9.156 8.893 8.804 8.713 8.841 8.804 8.838 9.004 8.832 8.848 8.833 8.850 8.733 Micro
Kecil 18.880 21.091 21.158 22.042 22.352 21.232 20.238 20.510 20.983 21.633 22.122 22.782 23.120 23.459 24.037 24.516 24.541 23.456 Small
Menengah 7.925 14.953 15.473 16.011 17.269 16.509 15.223 15.911 16.393 16.760 17.220 17.968 18.134 18.632 18.943 19.282 19.578 18.647 Medium
NPL 1.593 2.612 3.177 3.339 3.407 2.965 3.379 3.582 3.681 4.044 4.314 4.433 4.637 4.849 4.799 4.865 5.453 5.015 NPL
Mikro 239 443 617 657 698 685 890 836 879 937 987 995 1.061 1.063 1.051 1.061 1.069 1.013 Micro
Kecil 915 1.327 1.544 1.568 1.571 1.338 1.424 1.458 1.483 1.584 1.647 1.671 1.691 1.785 1.760 1.760 1.802 1.647 Small
Menengah 439 842 1.015 1.114 1.138 943 1.064 1.288 1.319 1.523 1.681 1.767 1.885 2.000 1.987 2.044 2.582 2.354 Medium
3. Bank Swasta Nasional 3. Foreign Exchange
Commercial Banks
Baki Debet 194.234 228.991 244.605 238.445 239.851 245.101 243.666 248.290 253.089 257.598 260.132 265.664 264.374 259.419 258.226 255.734 256.109 261.365 Total
Mikro 24.759 21.476 20.904 21.333 21.584 21.998 22.293 22.755 22.981 23.132 23.320 23.448 23.812 23.588 24.121 23.017 24.679 25.077 Micro
Kecil 40.660 44.581 41.242 41.214 41.511 41.954 41.078 41.605 42.060 42.224 42.001 42.776 43.001 42.782 42.334 41.673 41.651 41.458 Small
Menengah 128.816 162.934 182.460 175.898 176.756 181.148 180.296 183.931 188.048 192.243 194.810 199.440 197.560 193.049 191.771 191.044 189.779 194.831 Medium
NPL 4.710 5.096 6.005 6.225 6.070 5.933 6.376 6.486 6.723 6.891 7.354 7.506 7.885 8.363 8.562 7.910 7.771 7.666 NPL
Mikro 618 758 848 841 825 750 794 796 755 811 839 852 874 878 852 822 799 775 Micro
Kecil 1.645 1.720 2.083 2.105 2.133 2.077 2.135 2.124 2.121 2.223 2.277 2.293 2.383 2.433 2.366 2.358 2.299 2.248 Small
Menengah 2.447 2.618 3.073 3.279 3.112 3.105 3.447 3.566 3.847 3.857 4.237 4.361 4.628 5.052 5.344 4.730 4.674 4.643 Medium
4. Bank Asing dan Campuran
4. Joint Venture Banks and Foreign Owned Banks
Baki Debet 9.971 9.463 9.349 11.836 11.846 12.076 11.815 12.091 15.304 15.791 16.003 16.407 16.571 16.842 18.022 17.373 17.621 17.714 Total
Mikro 470 107 65 93 78 78 88 152 81 78 82 81 130 280 377 85 187 192 Micro
Kecil 874 465 391 568 462 466 452 502 488 498 435 424 439 463 497 456 474 482 Small
Menengah 8.627 8.891 8.893 11.175 11.305 11.532 11.276 11.436 14.735 15.215 15.487 15.903 16.003 16.099 17.148 16.832 16.960 17.040 Medium
NPL 352 208 193 262 249 256 290 270 271 283 289 297 278 265 292 307 340 341 NPL
Mikro 16 7 1 9 8 7 8 8 8 8 8 8 8 7 7 7 7 7 Micro
Kecil 62 40 23 23 13 10 11 9 10 11 11 13 13 13 13 12 13 13 Small
Menengah 275 161 168 230 229 238 271 253 254 265 270 276 258 245 272 288 321 321 Medium
Baki Debet 458.164 526.397 589.361 589.229 595.372 608.823 594.725 604.802 619.400 627.523 635.429 651.280 651.180 648.640 655.627 654.521 660.850 671.721 Baki Debet
NPL 15.674 17.011 20.610 21.038 20.633 19.515 21.725 22.603 22.640 23.488 25.253 25.251 26.530 27.451 27.078 26.480 26.843 25.159 NPL
2012
2011 2013 2014
Tabel 4.30 Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank (Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)
Miliar Rp (Billion Rp)
Kelompok Bank Category of Bank
Jumlah Total
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2012
2011 2013 2014
Tabel 4.30 Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank (Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)
Miliar Rp (Billion Rp)
Kelompok Bank Category of Bank
MKM 1)
1. Bank Persero 1. State Owned Banks
Baki Debet 415.623 502.447 Total
Mikro 122.104 143.877 Micro
Kecil 188.524 234.031 Small
Menengah 104.996 124.540 Medium
NPL 11.258 15.271 NPL
Mikro 2.997 9.520 Micro
Kecil 3.722 2.611 Small
Menengah 4.539 3.140 Medium
2. BPD 2. Regional Development Banks
Baki Debet 155.024 190.815 Total
Mikro 36.921 32.580 Micro
Kecil 107.321 142.679 Small
Menengah 10.782 15.556 Medium
NPL 2.562 3.297 NPL
Mikro 470 555 Micro
Kecil 1.176 1.489 Small
Menengah 915 1.253 Medium
3. Bank Swasta Nasional 3. Foreign Exchange
Commercial Banks
Baki Debet 512.566 601.409 Total
Mikro 97.877 97.552 Micro
Kecil 195.035 228.341 Small
Menengah 219.654 275.516 Medium
NPL 10.204 11.502 NPL
Mikro 2.802 2.918 Micro
Kecil 3.349 4.084 Small
Menengah 4.053 4.500 Medium
4. Bank Asing dan Campuran
4. Joint Venture Banks and Foreign Owned Banks
Baki Debet 68.180 55.935 Total
Mikro 46.218 29.972 Micro
Kecil 7.005 7.558 Small
Menengah 14.957 18.405 Medium
NPL 2.091 1.643 NPL
Mikro 1.223 849 Micro
Kecil 542 481 Small
Menengah 325 313 Medium
Baki Debet 1.151.392 1.350.606 Baki Debet
NPL 26.115 31.714 NPL
Jumlah Total
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon,
sedangkan data UMKM sudah sesuai dengan kriteria usaha pada UU
1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
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UMKM
1. Jawa Barat 58.034 67.636 75.180 75.618 76.797 78.774 77.701 78.370 79.784 79.869 80.880 82.635 83.496 82.490 83.373 83.683 84.181 85.429 1. Jawa Barat
2. Banten 16.026 18.863 21.606 21.902 22.446 22.631 22.137 22.385 23.330 23.443 24.534 25.345 25.176 25.036 25.174 24.807 24.936 25.305 2. Banten
3. DKI Jakarta 82.225 93.051 93.283 90.471 92.085 95.185 93.068 95.379 95.965 98.094 98.014 101.098 100.241 99.821 100.948 98.202 100.682 104.891 3. DKI Jakarta
4. D.I Yogyakarta 5.413 6.549 8.132 8.137 8.204 8.431 8.199 8.413 8.608 8.805 8.937 9.254 9.373 9.485 9.595 9.663 9.678 9.806 4. D.I Yogyakarta
5. Jawa Tengah 43.721 51.576 61.105 61.397 61.577 62.679 61.440 62.594 63.965 64.351 65.705 68.097 68.323 68.244 69.192 69.910 69.927 70.415 5. Jawa Tengah
6. Jawa Timur 62.346 65.980 76.647 77.218 77.300 79.322 77.813 79.108 80.612 82.368 83.613 85.605 85.752 84.273 85.003 84.918 85.539 86.569 6. Jawa Timur
7. Bengkulu 3.115 3.598 4.007 4.006 4.031 4.103 3.996 4.097 4.195 4.269 4.310 4.435 4.394 4.386 4.431 4.488 4.512 4.551 7. Bengkulu
8. Jambi 6.724 7.809 8.741 8.732 8.690 8.772 8.629 8.633 8.685 8.784 8.887 9.019 9.056 9.049 9.146 9.248 9.354 9.383 8. Jambi
9. Aceh 5.850 6.395 7.015 7.043 7.107 7.026 6.816 6.881 7.044 7.128 7.215 7.328 7.319 7.340 7.490 7.527 7.589 7.729 9. Aceh
10. Sumatera Utara 26.707 31.470 35.259 36.089 36.375 36.947 36.262 36.954 37.613 38.440 38.958 39.593 39.532 39.685 40.612 40.655 41.042 41.48310. Sumatera Utara
11. Sumatera Barat 8.721 10.663 11.618 11.548 11.531 11.804 11.536 11.275 12.322 12.232 12.514 12.828 12.812 12.844 13.039 13.114 13.179 13.23811. Sumatera Barat
12. Riau 13.995 16.096 17.665 17.624 17.718 17.968 17.543 17.892 19.980 20.228 20.349 20.838 20.706 20.676 20.964 20.919 21.121 21.29212. Riau
13. Kepulauan Riau 4.648 5.514 7.190 6.981 7.106 7.402 7.266 7.161 7.216 7.259 7.363 7.517 7.554 7.416 7.114 7.485 6.921 6.947 13. Kepulauan Riau
14. Sumatera Selatan 12.190 14.807 17.287 17.290 17.204 17.506 16.861 17.134 17.518 17.816 18.107 18.397 18.295 18.212 18.495 18.441 18.584 18.98714. Sumatera Selatan
15. Bangka Belitung 2.225 2.604 2.846 2.900 2.928 2.990 2.837 2.900 2.979 2.999 3.001 3.067 2.998 3.025 3.101 3.098 3.147 3.214 15. Bangka Belitung
16. Lampung 9.060 10.276 11.281 11.237 11.169 11.664 11.409 11.759 12.072 11.979 11.931 11.867 11.755 11.750 11.975 11.888 12.055 12.08616. Lampung
17. Kalimantan Selatan 6.242 8.086 8.849 8.785 8.738 8.914 8.699 8.890 9.181 9.243 9.316 9.537 9.564 9.535 9.669 9.739 9.736 9.794 17. Kalimantan Selatan
18. Kalimantan Barat 6.910 8.350 9.844 10.105 10.305 10.673 10.449 10.659 11.144 11.318 11.476 11.922 11.814 11.914 12.005 12.067 12.254 12.71518. Kalimantan Barat
19. Kalimantan Timur 15.118 17.295 20.141 20.085 20.290 20.018 18.966 19.128 19.524 19.760 20.006 19.979 20.155 20.333 19.778 19.732 19.876 19.98219. Kalimantan Timur
20. Kalimantan Tengah 3.590 4.433 4.648 4.664 4.652 4.837 4.707 4.745 4.929 4.985 5.073 5.187 5.191 5.317 5.400 5.489 5.530 5.604 20. Kalimantan Tengah
21. Sulawesi Tengah 5.183 5.559 6.426 6.410 6.471 6.595 6.448 6.590 6.747 6.829 6.864 7.033 6.944 6.962 7.111 7.057 7.155 7.155 21. Sulawesi Tengah
22. Sulawesi Selatan 17.926 19.460 23.100 23.107 23.104 23.596 23.032 23.464 23.729 24.233 24.392 24.901 24.732 24.799 24.983 24.925 25.217 25.76522. Sulawesi Selatan
23. Sulawesi Utara 5.923 5.861 6.293 6.356 6.367 6.431 6.242 6.333 6.607 6.680 6.727 6.912 6.829 6.763 6.740 6.745 7.049 7.150 23. Sulawesi Utara
24. Sulawesi Tenggara 2.871 3.715 4.442 4.459 4.495 4.516 4.478 4.566 4.629 4.716 4.780 4.875 4.866 4.874 4.913 4.943 4.944 4.914 24. Sulawesi Tenggara
25. Sulawesi Barat 1.326 1.567 1.821 1.820 1.838 1.875 1.894 1.919 1.967 2.005 2.025 2.058 2.055 2.064 2.092 2.130 2.158 2.212 25. Sulawesi Barat
26. Gorontalo 1.701 1.820 1.953 1.955 1.978 2.011 2.016 2.063 2.102 2.132 2.163 2.198 2.191 2.202 2.218 2.224 2.276 2.316 26. Gorontalo
27. Nusa Tenggara Barat 3.820 5.175 6.145 6.115 6.178 6.318 6.222 6.315 6.452 6.461 6.492 6.562 6.468 6.509 6.576 6.525 6.592 6.703 27. Nusa Tenggara Barat
28. Bali 13.050 16.356 19.122 19.193 19.323 19.951 19.352 20.113 20.561 20.821 21.122 21.916 22.137 22.182 22.627 22.834 23.000 23.48328. Bali
29. Nusa Tenggara Timur 2.624 3.297 3.995 4.056 4.098 4.127 3.926 4.030 4.315 4.527 4.653 4.827 4.874 4.922 5.073 5.177 5.246 5.234 29. Nusa Tenggara Timur
30. Maluku 1.756 1.808 1.874 1.908 1.926 2.000 1.884 1.920 2.021 2.008 2.039 2.084 2.047 2.076 2.128 2.132 2.167 2.244 30. Maluku
31. Papua 4.752 5.477 6.149 6.301 7.231 7.471 7.113 7.245 7.587 7.691 7.823 8.050 8.162 8.134 8.286 8.410 8.703 8.608 31. Papua
32. Maluku Utara 1.204 1.327 1.439 1.449 1.451 1.474 1.436 1.439 1.376 1.374 1.386 1.401 1.402 1.383 1.388 1.377 1.403 1.391 32. Maluku Utara
33. Papua Barat 1.881 2.523 2.818 2.850 3.220 3.376 3.198 3.290 3.494 3.540 3.628 3.741 3.749 3.764 3.824 3.802 3.877 3.836 33. Papua Barat
34. Lainnya 259 369 327 313 332 335 62 59 55 54 55 56 63 60 56 52 89 87 34. Lainnya
35. Tidak Teridentifikasi 1.030 1.032 1.114 1.104 1.106 1.099 1.090 1.097 1.093 1.081 1.092 1.119 1.158 1.116 1.109 1.116 1.133 1.205 35. Tidak Teridentifikasi
Jumlah 458.164 526.397 589.361 589.229 595.372 608.823 594.725 604.802 619.400 627.523 635.429 651.280 651.180 648.640 655.627 654.521 660.850 671.721 Total