PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1

NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS 1

(Miliar Rp/Billions of IDR )

III. PERKEMBANGAN NPL KREDIT MKM

2006
Total
Kredit Mikro (Rp0-Rp50
jt)
Kredit Kecil (>Rp 50 jtRp500jt)
Kredit Menengah
(>Rp500 jt-Rp5M)
NPL-gross Kredit
MKM **)
Kredit Modal Kerja
Kredit Investasi
Kredit Konsumsi
NPL-gross Kredit
MKM
Pertanian, perburuan
dan sarana pertanian
Pertambangan
Perindustrian
Listrik, Gas dan Air
Konstruksi
Perdagangan, restoran
dan hotel
Pengangkutan,
pergudangan dan
komunikasi
Jasa Dunia Usaha
Jasa Sosial
Lain-lain
NPL-gross Kredit
MKM
Bank Persero
Bank Swasta Nasional
Devisa
Bank Swasta Nasional
Non Devisa
BPD
Bank Campuran
Bank Asing
BPR/BPRS
NPL-gross Kredit
MKM
NPL-gross Kredit Non
MKM

NPL OF MSM CREDITS .III

2007

Total

2008
%

Total

Total

Jan
%

Total

Feb
%

Total

Mar
%

Total

Apr
Total

Mei
Total

Jun
Total

Jul
%

Total

Agt
Total

Sep
%

Total

Okt
Total

Nov
Total

Des
Total

%
Micro Credits (up to
3.13% IDR50 million)
Small Credits
(>IDR50million 1.99% IDR500 million)
Medium Credits
3.33% (>IDR500 million - IDR5
NPL-gross of MSM's
2.72% Credits

7,646.3

4.20%

7,823.0

3.86%

9,409.1

4.02% 11,027.8

4.32% 10,890.3

5.41% 11,313.6

5.45% 12,276.0

4.66%

9,523.0 3.64%

9,772.9

3.64%

9,343.6

3.41%

9,678.9

3.46% 10,024.8

3.58% 10,522.0

3.73% 10,103.2

3.57%

9,273.1

3.33%

8,864.1

4,652.3

4.00%

5,105.9

3.30%

4,802.6

2.17%

5,810.3

2.05%

6,540.3

2.20%

6,919.0

2.26%

7,003.3

2.23%

7,238.0 2.24%

7,745.0

2.33%

7,345.5

2.14%

7,607.0

2.16%

7,913.6

2.18%

7,999.3

2.17%

8,324.7

2.20%

8,758.9

2.26%

7,883.6

6,468.3

4.98%

6,366.2

3.81%

7,032.9

3.43%

7,906.3

3.47%

8,416.6

3.81%

8,721.3

3.87%

8,663.2

3.70%

8,912.2 3.75%

9,526.5

3.93%

9,023.2

3.58%

9,214.5

3.64%

9,412.8

3.60%

9,291.7

3.52%

9,672.8

3.62% 10,867.9

3.96%

9,396.9

18,766.9

4.38%

19,295.0

3.68% 21,244.7

3.22% 24,744.4

3.23% 25,847.1

3.59% 26,954.0

3.65% 27,942.5

3.44% 25,673.2 3.12% 27,044.4

3.21% 25,712.3

2.96% 26,500.4

3.00% 27,351.3

3.02% 27,813.0

3.04% 28,100.7

3.03% 28,899.9

3.07%

26,144.7

10,735.0
2,855.3
5,176.6

5.93%
7.49%
2.48%

10,624.1
2,682.1
5,988.8

4.92% 11,967.4
5.82%
2,768.4
2.28%
6,508.9

4.59% 14,029.6
4.93% 2,946.7
1.90% 7,768.1

4.77% 12,194.3
4.50%
2,920.5
1.91% 10,732.2

4.66% 12,715.6
4.32% 3,072.2
2.75% 11,166.2

4.68% 13,365.6
4.34% 3,037.0
2.82% 11,540.0

4.35% 13,780.1 4.46% 14,397.7

4.26% 3,123.7 4.35% 3,242.0
2.66% 8,769.3 1.99% 9,404.8

4.58% 13,825.0
4.53% 2,944.7
2.06% 8,942.6

4.19% 14,239.4
3.47% 3,215.9
1.97% 9,045.1

4.26% 14,901.8
3.71% 3,171.0
1.95% 9,278.5

4.15% 15,070.2
3.88% 2,920.5
2.00% 9,822.2

4.24% 15,371.2
3.57% 3,082.4
2.06% 9,647.1

4.29% 16,818.1
3.66% 3,104.5
1.98% 8,977.4

4.64%
3.65%
1.82%

15,419.8
2,779.9
7,945.1

18,766.9

4.38%

19,295.0

3.68% 21,244.7

3.22% 24,744.4

3.23% 25,847.1

3.59% 26,954.0

3.65% 27,942.5

3.44% 25,673.2 3.12% 27,044.4

3.21% 25,712.3

2.96% 26,500.4

3.00% 27,351.3

3.02% 27,813.0

3.04% 28,100.7

3.03% 28,899.9

3.07%

26,144.7

1,237.2
122.8
2,226.7
21.5
570.8

8.25%
9.37%
6.03%
1.45%
5.64%

1,252.0
102.5
2,082.9
13.9
602.4

7.16%
6.71%
5.46%
4.84%
4.54%

1,177.8
96.5
3,495.8
7.6
807.3

5.55%
5.29%
7.52%
1.35%
4.71%

1,586.9
93.0
2,646.7
17.9
1,186.3

6.44%
2.18%
5.93%
2.54%
6.13%

789.4
90.2
2,516.9
12.3
1,113.2

5.36%
4.09%
5.20%
2.03%
6.67%

767.6
82.3
2,564.4
15.5
1,161.9

5.19%
2.11%
5.13%
2.50%
6.96%

937.9
94.9
2,523.1
17.3
1,078.3

5.51%
1.78%
5.00%
2.69%
6.13%

961.4
128.3
2,485.5
14.9
1,176.2

5.57%
2.30%
4.97%
2.13%
6.52%

891.6
157.5
2,631.1
19.9
1,444.6

5.17%
2.53%
5.16%
2.93%
7.14%

770.3
286.0
2,457.7
20.0
1,286.0

4.21%
4.15%
4.68%
2.71%
6.27%

999.1
119.3
2,627.3
20.3
1,270.3

4.67%
1.66%
5.01%
2.31%
6.10%

1,035.1
125.4
2,650.7
21.5
1,313.7

5.05%
2.06%
4.86%
2.27%
6.11%

1,040.5
195.5
2,642.7
20.3
1,258.0

5.17%
3.09%
4.86%
2.10%
5.74%

1,062.0
106.0
2,680.7
22.4
1,445.8

5.39%
1.60%
4.97%
1.19%
6.25%

1,112.4
113.1
2,720.4
29.8
1,593.9

5.68%
1.70%
5.01%
2.17%
6.80%

878.7
126.5
2,487.6
31.1
1,285.4

4.45%
1.79%
4.45%
3.18%
5.87%

7,371.6

6.45%

7,316.2

5.13%

7,077.8

4.25%

8,840.7

4.46%

7,002.9

4.72%

7,497.8

4.88%

7,876.4

4.51%

8,114.8 4.62%

8,199.3

4.66%

7,682.9

4.16%

9,126.2

4.52%

9,409.5

4.57%

9,340.2

4.57%

9,361.2

4.64% 10,552.5

5.16%

9,699.1

4.71%

711.9
977.9
186.4
5,340.0

10.76%
3.86%
3.09%
2.53%

435.5
1,088.3
249.3
6,152.0

6.04%
3.33%
3.73%
2.33%

372.9
1,272.2
240.9
6,695.9

4.31%
2.92%
3.17%
1.93%

414.8
1,604.8
292.0
8,061.3

4.45%
595.7
3.39%
1,118.4
3.33%
574.3
1.97% 12,033.9

5.30%
561.5
2.49% 1,261.2
4.19%
686.3
2.87% 12,355.4

4.96%
577.0
2.62% 1,214.9
4.85%
728.6
2.90% 12,894.0

4.97%
595.3
2.35% 1,314.2
5.04%
758.3
2.75% 10,124.2

5.09%
596.8
2.50% 1,369.9
5.18%
805.5
2.13% 10,928.0

5.10%
588.3
2.57% 1,188.2
5.31%
986.9
2.22% 10,446.0

4.84%
2.31%
3.18%
2.13%

578.6
1,190.0
977.7
9,591.4

4.66%
2.37%
3.21%
1.97%

566.3
1,211.7
1,073.7
9,943.7

4.73%
587.7
2.38% 1,331.5
3.04%
996.6
2.00% 10,399.9

4.86%
624.8
2.34% 1,129.6
3.42% 1,364.3
2.05% 10,303.9

4.89%
2.10%
4.20%
1.97%

590.6
1,131.7
1,205.1
9,850.5

4.56%
2.10%
3.94%
1.85%

481.6
1,339.2
1,101.4
8,714.1

3.71%
2.36%
3.61%
1.59%

18,766.9
8,595.6

4.38%
5.93%

19,295.0
8,178.0

3.68% 21,244.7
4.63%
7,812.2

3.22% 24,744.4
3.39% 9,783.6

3.23% 25,847.1
3.43%
7,508.1

3.59% 26,954.0
3.39% 7,969.2

3.65% 27,942.5
3.52% 8,674.2

3.44% 25,673.2 3.12% 27,044.4

3.00% 8,996.3 3.05% 9,881.9

3.21% 25,712.3
3.29% 9,069.4

2.96% 26,500.4
2.96% 9,418.4

3.00% 27,351.3
3.02% 9,716.0

3.02% 27,813.0
3.05% 9,474.0

3.04% 28,100.7
2.95% 9,889.9

3.03% 28,899.9
3.04% 11,769.9

3.07%
3.52%

26,144.7
10,459.5

2.72%
3.04%

6,291.8

3.53%

6,520.9

3.00%

7,075.9

2.65%

7,943.3

2.78%

8,191.1

2.89%

8,423.1

2.90%

8,300.2

2.79%

8,560.6 2.83%

8,677.1

2.80%

8,299.0

2.59%

8,637.4

2.62%

2.59%

2.61%

2.55%

2.53%

8,595.3

560.3

3.30%

421.1

2.04%

364.6

1.55%

523.3

1.75%

573.3

1.94%

603.3

1.99%

637.4

2.02%

664.4 2.04%

730.4

2.13%

808.2

2.12%

810.8

2.20%

872.4
192.5
554.5

1.65%
3.86%
4.49%

1,130.0
171.9
1,159.4

1.67%
2.94%
8.15%

1,195.0
277.6
2,078.0

1.36%
3.26%
12.31%

1,660.7
540.6
2,268.6

1.54%
4.21%
13.87%

1,984.6
843.1
4,597.7

1.85%
4.22%
16.68%

2,122.7
760.2
4,869.9

1.94%
3.33%
16.59%

2,301.0
655.8
5,178.3

2.06%
2.95%
17.94%

2,325.3 2.04%
636.0 2.86%
2,244.6 9.17%

2,522.9
554.6
2,459.2

2.17%
2.42%
9.14%

2,497.2
641.0
2,212.8

2.09%
2.51%
8.60%

2,626.5
628.4
2,114.6

2.17%
2.58%
7.88%

1,699.9

9.68%

1,713.8

8.02%

2,441.5

9.21%

2,024.2

6.86%

2,149.1

7.20%

2,205.5

7.23%

2,195.7

7.06%

2,246.0 7.05%

2,218.3

6.80%

2,184.8

6.56%

2,264.2

6.68%

18,766.9

4.38%

19,295.0

3.68% 21,244.7

3.22% 24,744.4

3.23% 25,847.1

3.59% 26,954.0

3.65% 27,942.5

3.44% 25,673.2 3.12% 27,044.4

3.21% 25,712.3

2.96% 26,500.4

3.00%

29,271.8

8.07%

20,346.3

4.28% 20,044.0

3.11% 20,939.6

3.15% 23,572.2

3.43% 24,114.8

3.49% 21,041.9

3.26% 21,474.4 3.23% 22,580.4

3.27% 21,952.2

3.04% 22,087.2

3.09%

49,705.9

6.14%

42,480.6

4.15% 44,493.5

3.33% 49,591.7

3.38% 50,974.0

3.55% 52,692.5

3.61% 51,021.0

3.43% 48,908.9 3.22% 51,411.6

3.29% 49,480.5

3.05% 50,434.9

3.09%

9,872.8
2.31%
8,853.4 1.69%
5,600.5
0.85% 10,319.2
1.35% 13,079.7
1.82% 12,182.2
1.65% 12,003.5
Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS.

1.48% 12,129.9 1.48% 12,996.4

1.54% 12,306.0

1.42% 12,587.8

1.42%

NPL-gross Perbankan
NPL-net Kredit MKM

2010 *)

2009

Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit.
Sudah termasuk pembiayaan oleh Bank Umum Syariah.

Untuk bulan Desember 2010, sudah termasuk baki debet BPR, belum termasuk BPRS.
*) Angka Sementara

NPL MKM Des 20103/2/2011

8,745.4

8,966.7

8,911.0

8,982.4

4.17% Working Capital Credits

3.21% Investment Credits
1.58% Consumer Credits
NPL-gross of MSM's
2.72% Credits
Agriculture,hunting and
agricultural facilities
Mining
Manufacturing Industry
Electricity, Gas & Water
Construction
Trade, restaurants and
hotels
Transportation, cargo
storage and
communication
Business Services
Social Services
Others
NPL-gross of MSM's
Credits
State Banks

Foreign Exchange
2.36% Private National Banks

Non Foreign Exchange

2.20% Private National Banks
Regional Development
2,666.4 2.16% 2,676.2
2.16% 2,863.1 2.27% 2,863.4 2.25%
2,362.1 1.87% Banks
580.2 2.43%
607.5
2.48%
563.2 2.35%
521.3 2.30%
560.9 2.25% Joint Banks
2,443.3 8.75% 2,845.1 10.23% 2,548.1 8.55% 1,547.8 5.80%
1,187.6 4.51% Foreign Banks
Rural/Islamic Rural
2,318.8 6.68% 2,369.6
6.82% 2,396.4 6.81% 2,276.8 6.79%
2,069.7 6.12% Banks
NPL-gross of MSM's
27,351.3 3.02% 27,813.0
3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72% Credits
NPL-gross of Non
22,344.8 3.03% 21,500.4
2.88% 23,360.1 3.12% 24,153.5 3.14% 20,317.1 2.52% MSM's Credits
NPL-gross of
51,600.1 3.08% 51,531.4
3.04% 53,505.7 3.13% 54,522.4 3.13% 47,679.0 2.65% Banking's
NPL-net of MSM's
12,728.4 1.41% 13,711.7
1.50% 14,062.9 1.51% 14,339.4 1.53% 12,996.2 1.35% Credits
1
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.
MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Includes financing of Islamic Banks.
Outstanding of Conventional Rural Banks were included in December 2010, Islamic Rural Banks were not included.
881.0

2.31%

873.8

2.26%

929.1

2.35%

938.3

2.33%

909.5

*) Preliminary Figures