Sps 0110
Sps 0110
Statistik
Perbankan
Syariah
(SPS)
Indonesia.
kebutuhan
dan
disusun
intern
Bank
untuk
pembaca
terlebih
is
the stakeholders.
dan
sarankan
publication
memenuhi
Indonesia
monthly
This
dahulu
to: TimInformasiPerbankanSyariah@bi.go.id
TimInformasiPerbankanSyariah@bi.go.id
BANK INDONESIA
i i
DAFTAR ISI
CONTENTS
Kata Pengantar .
Foreword
Daftar Isi .
Contents
Penjelasan .
Clarification
Daftar Singkatan
Abbreviations
Daftar Istilah .
Glossary
Tab. 1
Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ..............
Tab 2
Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
Tab 3
Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of
Islamic Rural Bank based on Location) .............................................................................
Tab. 4
Layanan Syariah (Office Channeling) ................................................................................
Tab. 5
Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ...............
Tab. 6
Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial
Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................
Tab. 7
Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed
Balance Sheet) ..................................................................................................................
Tab. 8
Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic
Commercial Bank dan Islamic Business Unit Condensed Income Statement) .................
Tab. 9
Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank
Condensed Income Statement).................................................................................
Tab. 10
Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha
Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and
Islamic Business Unit) ......................................................................................................
Tab. 11
Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of
Promotion, Education and Training - Islamic Rural Bank)................................................
Tab. 12
Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance
Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)......................
Tab. 13
Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet
Account - Islamic Rural Bank ).........................................................................................
Tab. 14
Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds
Composition of Islamic Commercial Bank and Islamic Business Unit) ..............................
Tab. 15
Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of
Islamic Rural Bank) .........................................................................................................
Tab. 16
Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah
(Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit).........
Tab. 17
Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment
in Securities of Islamic Commercial Bank and Islamic Business Unit) ..............................
Tab. 18
Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ............
page
i
ii
v
vi
vii
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
page
Tab. 19
ii
Tab. 20
Tab. 21
Tab. 22
Tab. 23
Tab. 24
Tab. 25
Tab. 26
Tab. 27
Tab. 28
Tab. 29
Tab. 30
Tab. 31
Tab. 32
Tab. 33
Tab. 34
Tab. 35
Tab. 36
Tab. 37
Tab. 38
Tab. 39
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
Page
Tab. 40
Tab. 41
Tab. 42
Tab. 43
Tab. 44
Tab. 45
Tab. 46
Tab. 47
Tab. 48
Tab. 49
Tab. 50
Tab. 51
Grafik 1
Grafik 2
Grafik 3
Grafik 4
Graph 5
Grafik 6
Graph 7
Bank).................................................................................................................................
Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic
Rural Bank based on Total Assets) ...................................................................................
Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)
Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA
Certificate) ........................................................................................................................
Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah
dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing,
Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and
Islamic Business Unit based on Province).........................................................................
Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan
Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor
Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on
Province)............................................................................................................................
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor
Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit
based on Economic Sector and Province)..........................................................................
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan
Propinsi (Financing of Islamic Rural Bank
based on Economic Sector and
Province)............................................................................................................................
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis
Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business
Unit based on Type of Usage and Province).....................................................................
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)...
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic
Business Unit based on Type of Financing and Province)..................................................
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of
Financing and Province)....................................................................................................
Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha
Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of
FDR - Islamic Commercial Bank and Islamic Business Unit based on
City/District)..................................................................
Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds
and Financing - Islamic Commercial Bank and Islamic Business Unit) ..........
Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and
Financing - Islamic Rural Bank) .......................................
FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah
(FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and
Islamic Business Unit ) ..................................
FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and
Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) .........................
Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic
Commercial Bank and Islamic Business Unit) .....
Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank)..
Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds Islamic Commercial Bank and Islamic Business Unit)........................................................
iv
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
Grafik 8
Grafik 9
Grafik 10
Grafik 11
Grafik 12
59
60
61
62
63
1.
(LBUS)
dan
Laporan
Bulanan
Bank
mentioned otherwise.
2.
Bank
Februari 2010.
Monthly Report
is submitted
vi
by
DAFTAR SINGKATAN
UUS
BUS
BPRS
PT
Perseroan Terbatas
BPD
SWBI
SBIS
UKM
PPAP
PUAS
ABBREVIATIONS
UUS
Conventional Bank
BUS
BPRS
PT
BPD
SWBI
SBIS
Produktif
UKM
PPAP
NPF
PUAS
FDR
NPF
ROA
average assets
ROE
average equity
BOPO
DPK
PYD
prinsip Syariah
FDR
vii
DPK
Depositor Funds
PYD
Financing
IDR
Indonesian Rupiah
DAFTAR ISTILAH
GLOSARY
Akad Wadiah
Wadiah Contract
: Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana
atau barang dengan kewajiban bagi pihak yang menyimpan untuk
mengembalikan dana atau barang titipan sewaktu-waktu.
A contract between the owner of the goods (the money) and the custodian
for safekeeping.
Akad Mudharabah
Mudharaba Contract
Akad Musyarakah
Musharaka Contract
Akad Murabahah
Murabaha Contract
viii
Akad Salam
Salam Contract
Akad Istishna
Istishna Contract
yang
disepakati
dengan
pembayaran
sesuai
dengan
kesepakatan.
A contract in which the seller undertakes to supply some specific goods
to the buyer on a future date at a mutually agreed price and method of
: payment.
Akad Ijarah
Ijara Contract
Qardh Contract
Indikasi
bagi hasil/fee/bonus
Equivalent rate of
return/profit
tingkat
imbalan
sharing/fee/bonus
ix
dari
suatu
penanaman
dana
atau
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
304
349
401
402
405
497
581
635
643
660
701
711
815
19
20
26
28
28
28
27
26
25
24
25
25
25
154
183
196
207
214
216
241
253
256
264
286
287
268
92
105
114
117
124
128
131
133
133
137
138
138
140
92
105
185
188
195
199
202
208
208
220
224
225
263
550
637
782
797
814
912
1,024
1,096
1,107
1,144
1,211
1,223
1,346
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Kelompok Bank
(Group of Banks)
Bank Umum Syariah
Islamic Commercial Bank
PT Ba nk Sya ri a h Mua ma l a t Indones i a
PT Ba nk Sya ri a h Ma ndi ri
PT Ba nk Sya ri a h Mega Indones i a
PT Ba nk Sya ri a h BRI
PT Ba nk Sya ri a h Bukopi n
Pa ni n Sya ri a h
Unit Usaha Syariah
Islamic Business Unit
PT Ba nk Nega ra Indones i a
PT Ba nk Da na mon
PT Ba nk Perma ta
PT Ba nk Interna s i ona l Indones i a (BII)
PT CIMB Ni a ga
HSBC, Ltd.
BPD Ja wa Ba ra t da n Ba nten
PT Ba nk DKI
BPD DIY
BPD Ja wa Tenga h (Ja teng)
BPD Ja wa Ti mur (Ja ti m)
BPD Ba nda Aceh
BPD Suma tera Uta ra (Sumut)
BPD Suma tera Ba ra t (Sumba r)
BPD Ri a u
BPD Suma tera Sel a ta n (Sums el )
BPD Ka l i ma nta n Sel a ta n (Ka l s el )
BPD Ka l i ma nta n Ba ra t (Ka l ba r)
BPD Ka l i ma nta n Ti mur (Ka l ti m)
BPD Sul a wes i Sel a ta n (Sul s el )
BPD Nus a Tengga ra Ba ra t (NTB)
PT BTN
PT Ba nk Ta bunga n Pens i una n Na s i ona l
(BTPN)
PT
OCBC NISP
PT Ba nk Si na rma s
KP/UUS
HO/IBU
KPO/KC
HOO/BO
KCP/UPS
SBO/SSU
KK
CO
201
406
207
1
1
1
1
1
1
75
62
23
29
8
4
35
99
243
24
5
-
90
112
5
-
25
118
77
43
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
26
8
10
5
10
5
6
2
1
1
1
2
3
2
2
1
2
1
2
3
1
20
2
1
1
27
3
12
4
9
9
1
2
5
1
3
1
1
37
1
1
2
1
-
140
16
106
TOTAL
171
335
483
356
Jawa Barat
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
26
28
28
28
28
28
28
28
27
27
27
27
27
Banten
DKI Jakarta
D.I. Yogyakarta
Jawa Tengah
11
13
13
15
15
15
16
16
18
19
19
19
Jawa Timur
12
17
19
19
21
22
23
23
24
25
25
25
25
Bengkulu
Jambi
10 Sumatera Utara
11 Sumatera Barat
12 Riau
13 Sumatera Selatan
15 Kepulauan Riau
16 Lampung
17 Kalimantan Selatan
18 Kalimantan Barat
19 Kalimantan Timur
20 Kalimantan Tengah
21 Sulawesi Tengah
22 Sulawesi Selatan
23 Sulawesi Utara
24 Gorontalo
25 Sulawesi Barat
26 Sulawesi Tenggara
28 Bali
30 Maluku
31 Papua
32 Maluku Utara
92
105
114
117
124
128
131
133
133
137
138
138
140
Total
2005
2006
2007
136
Mar-08
UUS BNI
636
70
212
184
UUS BII
27
UUS BTPN
UUS HSBC
Jun-08
636
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
638
640
640
641
641
641
641
641
641
70
80
133
133
133
137
137
137
137
137
184
184
186
186
186
192
192
192
192
192
36
39
39
64
64
69
69
98
116
116
116
43
63
63
106
105
143
269
313
441
505
505
507
12
12
12
12
12
12
10
10
10
10
10
10
10
34
10
21
21
21
33
33
34
34
34
34
34
63
63
63
76
76
76
84
84
84
84
84
33
33
33
33
33
37
37
37
41
41
41
41
41
41
41
41
41
41
41
28
28
28
28
28
28
28
28
37
37
10
10
10
10
10
15
15
15
15
15
15
10
10
10
10
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
26 UUS BEI
27 UUS Bukopin
27
30
30
29
29
33
33
28 UUS IFI
29 UUS BRI
30 UUS Lippo
38
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
3,523
3,913
4,311
4,547
4,683
7,148
6,609
7,500
8,486
9,275
9,880
10,348
10,304
1,436
1,797
2,266
2,307
2,498
2,535
2,562
2,178
2,223
2,179
2,250
2,296
2,365
1,037
1,666
2,108
2,022
2,272
2,423
2,581
2,644
2,811
2,694
2,763
2,799
2,793
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1 Kas (Cash)
100
226
346
488
496
525
720
759
723
749
1,158
869
1,017
996
120
3,180
3,641
4,540
4,860
4,506
2,928
5,189
5,958
6,530
6,545
7,888
10,393
11,321
130
1,058
991
1,667
1,716
1,853
1,653
1,978
2,185
2,449
2,262
2,512
3,036
3,150
140
730
829
1,388
1,400
1,758
2,510
2,683
2,715
2,700
2,744
3,644
3,786
3,851
15,270
20,445
27,944
29,629
34,100
37,681
38,199
39,308
42,195
44,523
45,726
46,886
47,140
173
5 Pembiayaan (Financing)
6 Tagihan Lainnya (Billing and Acceptable Liabilities)
190
21
15
182
115
162
110
136
142
122
219
215
171
210
31
12
24
32
26
24
24
25
24
24
307
515
785
944
1,039
1,128
1,148
1,318
1,460
1,802
1,646
1,649
1,755
200
41
41
41
41
79
41
83
83
83
83
83
236
270
296
296
296
297
436
459
555
568
601
672
675
33,097
5,487
8,178
14,261
16,109
18,973
19,864
24,882
22,604
25,489
27,708
30,542
33,853
230
495
621
743
702
749
969
1,200
1,358
1,193
1,290
1,382
1,623
1,729
290
20,880
26,722
36,538
38,344
42,981
45,857
49,555
51,678
55,238
58,034
61,359
66,090
67,436
53,163
SANDI
15,593
20,672
28,012
29,552
33,049
33,569
36,852
38,040
42,103
45,381
47,887
52,271
340
32
32
32
32
32
32
68
350
980
874
1,951
1,610
1,650
2,431
2,419
3,037
2,912
2,611
3,322
3,717
3,392
355
265
268
350
350
413
438
311
361
360
360
340
340
340
360
204
181
155
148
135
126
150
141
132
551
523
512
512
365
210
285
473
546
608
557
727
535
567
739
767
845
819
50
50
7,459
10,544
17,428
19,728
23,323
25,526
30,283
27,948
30,607
31,699
34,819
37,601
37,678
185
218
260
233
361
412
463
613
399
481
520
582
618
951
991
1,017
1,017
1,125
1,137
1,752
1,852
1,801
1,801
1,801
1,946
2,279
132
142
132
132
132
132
466
466
466
466
466
468
135
13
13
230
268
275
275
333
333
335
335
449
449
449
449
449
230
268
275
275
333
333
335
335
449
449
449
449
449
959
9 Rupa-rupa Pasiva
(Other Liabilities)
400
445
13 Cadangan (Reserves)
a. Cadangan Umum (General Reserves)
b. Cadangan Tujuan (Special Purpose Reserves)
14 Laba (Net Income)
a. Tahun-tahun lalu (Previous years)
(76)
27
149
585
362
359
152
562
308
308
308
315
238
355
540
218
411
613
432
289
517
469
634
791
83
20,880
26,722
36,538
38,344
42,981
45,857
49,555
51,678
55,238
58,034
61,359
66,090
67,436
TOTAL PASIVA*
490
* Net
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1 Kas (Cash)
100
11,723
19,341
25,090
21,881
23,737
20,267
25,150
29,086
31,078
34,893
35,673
28,938
35,899
130
102,597
185,208
232,589
243,797
237,090
227,680
334,050
303,494
292,991
306,952
338,007
407,658
415,102
1,586,580
3 Pembiayaan (Financing)
417,282
615,469
890,709
951,591
1,123,027
1,247,657
1,256,610
1,332,419
1,409,900
1,523,415
1,576,229
1,586,919
190
210
15,119
(464)
(33)
37
350
350
350
7,901
11,994
17,491
18,997
27,709
29,535
35,339
34,002
32,708
31,617
32,887
32,393
33,018
16,965
21,328
28,273
30,128
34,221
38,360
40,499
42,117
42,707
42,933
45,501
46,654
45,827
230
25,788
52,873
48,921
59,524
59,509
64,033
62,327
65,047
65,454
73,845
76,970
75,570
75,981
290
585,467
896,017
1,215,916
1,295,149
1,456,451
1,575,915
1,693,332
1,747,780
1,820,576
1,962,225
2,051,436
2,125,780
2,138,797
SANDI
340,892
521,152
717,858
772,220
865,319
896,909
975,815
1,034,228
1,082,786
1,158,034
1,228,468
1,250,609
1,283,495
350
37,110
97,561
175,803
175,533
212,633
261,538
271,481
271,399
275,041
315,112
317,435
353,062
348,109
360
37,574
39,757
51,544
50,787
64,442
67,322
68,268
64,594
65,279
65,340
55,001
56,744
49,407
365
8,992
8,808
10,912
15,106
14,609
17,613
19,545
16,682
17,192
14,184
13,758
18,383
16,550
353
453
12,212
16,717
24,989
29,277
33,509
33,118
35,861
32,171
31,018
31,957
33,470
35,222
29,525
118,380
150,609
176,690
185,620
198,288
214,781
221,651
230,928
250,396
262,843
285,153
294,992
293,259
7,175
15,523
17,610
25,002
31,794
39,992
54,605
52,123
48,986
53,510
44,967
41,929
39,568
9,345
16,833
20,684
22,684
27,147
27,072
28,338
31,485
36,426
36,439
36,799
36,817
37,887
4,856
10,301
11,650
13,201
15,766
15,892
16,638
19,316
22,162
22,219
22,587
22,582
23,334
4,489
6,533
9,034
9,483
11,380
11,181
11,699
12,169
14,265
14,220
14,211
14,235
14,552
(6,610)
(5,705)
(8,639)
3,719
(12,982)
(13,189)
(14,501)
(3,199)
(19,253)
(21,279)
(21,736)
(22,109)
30,021
16,499
20,966
27,064
12,080
19,151
28,381
29,787
13,218
27,977
41,358
53,345
54,912
5,136
585,467
896,017
1,215,916
1,295,149
1,456,451
1,575,915
1,693,332
1,747,780
1,820,576
1,962,225
2,051,436
2,125,780
2,138,797
400
445
10 Cadangan (Reserves)
TOTAL PASIVA*
490
* Net
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
A. Pendapatan (Revenue)
1
2,177
3,085
3,795
1,322
2,306
3,609
5,093
1,523
3,132
4,759
5,957
6,620
631
194
288
406
137
276
446
632
206
514
893
1,106
1,551
234
565
838
1,260
394
854
1,390
2,061
708
1,528
2,502
3,159
3,500
308
925
1,306
1,468
411
831
1,307
1,938
645
1,306
1,970
2,448
2,697
253
2,012
2,905
3,993
1,441
2,605
4,138
5,848
1,792
3,868
6,183
7,773
8,975
920
466
939
1,324
1,774
695
1,059
1,679
2,603
565
1,253
2,263
2,807
3,135
202
263
317
104
218
344
492
168
469
831
1,027
1,485
53
573
904
1,273
401
872
1,433
2,147
742
1,576
2,531
3,188
3,523
308
1,714
2,491
3,365
1,200
2,149
3,456
5,242
1,475
3,298
5,625
7,022
8,143
827
298
414
628
241
456
682
605
317
570
558
751
832
93
16
25
33
(0)
(1)
78
(73)
282
389
595
241
456
683
528
317
570
558
751
904
93
44
34
55
23
45
70
92
27
53
90
118
135
10
238
355
540
218
411
613
432
289
517
469
634
791
83
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
A. Pendapatan (Revenue)
1
97,275
154,633
203,063
62,597
133,093
208,200
293,964
85,708
178,916
275,332
342,616
382,183
33,525
9,629
15,945
22,927
6,723
15,623
24,401
32,883
8,683
18,285
29,801
37,955
43,074
3,735
1,249
3,676
6,159
1,257
3,031
4,575
6,714
1,795
4,037
5,635
6,892
8,085
376
33,430
49,949
77,246
23,112
49,208
76,437
108,154
30,953
64,084
100,230
125,618
138,769
12,991
88,894
142,364
186,295
57,131
120,500
188,373
267,795
78,820
164,667
251,167
311,553
347,193
30,165
B. Beban (Expenses)
1
49,378
82,315
105,458
29,328
69,762
110,303
162,045
42,849
88,784
139,589
172,237
194,209
15,926
2,518
10,217
8,455
2,824
6,558
10,347
14,767
5,508
12,007
16,408
19,752
24,593
1,864
1,378
3,310
6,797
1,261
2,785
5,200
8,214
1,600
3,469
5,732
6,951
8,565
765
53,274
95,842
120,709
33,414
79,105
125,851
185,027
49,957
104,260
161,729
198,940
227,368
18,556
21,449
27,407
34,193
14,052
23,434
34,888
40,381
15,298
32,743
49,163
62,545
67,000
6,063
180
300
372
119
232
398
626
139
323
513
685
967
78
21,269
27,107
33,821
13,933
23,202
34,490
39,755
15,159
32,420
48,650
61,860
66,033
5,984
4,770
6,224
7,013
1,853
4,052
6,109
9,976
2,672
4,593
6,939
8,898
11,495
874
16,499
20,883
26,809
12,080
19,151
28,381
29,787
13,218
27,977
41,358
53,345
54,562
5,136
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
67
90
135
36
72
121
180
32
60
92
121
154
20
19
19
13
22
32
17
28
34
45
87
109
153
42
85
143
212
38
77
119
155
200
12
Total
10
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
826
1,300
2,284
737
1,414
2,453
4,178
1,006
2,024
3,273
4,184
4,826
269
686
1,649
1,889
464
1,285
1,924
2,727
639
1,319
2,195
3,026
3,622
382
1,512
2,949
4,173
1,201
2,700
4,376
6,905
1,645
3,343
5,468
7,210
8,448
651
Total
11
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
2
-
1
2
17
1
91
14
77
35
46
45
3
83
14
10
12
246
444
613
1,612
1,305
1,475
1,522
1,600
1,502
1,818
21
21
11
12
15
12
33
2
0
167
4
32
66
0
141
33
93
13
195
7
167
5
199
13
146
6
169
13
0
16
14
0
33
1
10
53
1
0
22,588
78
0
77,514
118
2
208,445
204
2
256,293
316
2
127,914
361
3
82
1
1
61
0
151
2
223
2
390
3
838
-
904
1
950
2
948
0
979
3
968
2
1,038
2
116
208
336
648
849
1,173
1,250
1,371
1,684
1,363
194
316
362
429
880
1,032
346
349
349
347
12
2006
512
6,246
-
2007
2008
Mar-09
Jun-09
Sep-09
Jun-09
Dec-09
Jan-10
4,789
1,945
29,607
24,482
16,116
8,014
16,994
12,013
13,849
843
2,478
3,947
33
4,395
6,420
5,770
6,048
6,847
6,922
6,905
6,617
6,726
202
22
4,784
2,550
7,489
43,072
1,450
12,231
9,140
1,136
12,773
12,151
1,165
19,126
16,883
36,471
33,336
52,640
13
710
161
44
111,257
1,535
23,584
16,033
3,140
26,002
18,792
402
29,458
88,959
550
29,701
17,467
5,517
31,847
61,899
520
32,125
53,051
53,765
62,624
67,628
66,947
60,703
2006
2007
Mar-08
Jun-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
2,048
3,416
3,750
3,635
5,046
4,238
4,209
5,199
5,492
5,752
6,202
6,041
4,367
6,430
9,454
9,902
10,858
12,471
13,045
14,149
14,578
15,079
16,475
16,362
183
332
645
669
762
958
961
1,351
1,268
1,568
1,538
1,553
4,184
6,098
8,809
9,233
10,096
11,513
12,084
12,798
13,310
13,511
14,937
14,809
9,169
10,826
14,807
16,015
17,145
20,143
20,786
22,755
25,311
27,056
29,595
30,760
1 Bulan (1 month)
3,835
5,234
9,309
9,645
11,442
14,325
14,624
15,980
15,930
17,384
19,794
20,748
3 Bulan (3 months)
2,228
1,973
1,406
1,971
1,545
1,919
2,346
2,683
3,803
4,252
4,544
4,942
6 Bulan (6 months)
1,480
1,231
1,296
1,382
1,356
1,827
1,549
1,459
1,708
1,844
1,758
1,796
1,625
2,143
2,787
3,007
2,789
2,066
2,263
2,632
3,868
3,574
3,497
3,272
245
11
12
15,584
20,672
28,012
29,552
33,048
36,852
38,040
42,103
45,381
47,887
52,271
53,163
Total
14
2006
2007
Mar-08
Jun-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
160,906
231,440
296,890
334,138
363,272
441,291
460,311
474,092
492,682
512,945
553,397
558,179
48,600
73,634
86,708
96,164
115,183
161,450
187,529
195,759
209,991
219,913
234,282
238,550
112,306
157,806
210,182
237,974
248,089
279,841
272,782
278,333
282,691
293,032
319,115
319,629
173,325
289,712
420,968
438,082
502,047
534,524
573,918
608,693
665,352
715,523
697,213
725,316
1 Bulan (1 month)
25,327
58,518
63,504
67,039
72,855
68,141
95,841
97,946
138,184
119,990
110,360
108,763
3 Bulan (3 months)
31,371
45,288
49,724
53,026
74,320
55,818
77,824
77,814
76,815
94,318
95,514
103,342
6 Bulan (6 months)
35,403
60,348
45,915
53,030
61,187
68,875
92,255
101,614
157,831
170,744
125,492
135,714
78,877
122,300
205,596
198,311
229,741
270,133
301,570
318,138
275,875
314,095
348,963
361,433
2,347
3,258
56,229
66,676
63,946
71,557
6,428
13,182
16,646
16,375
16,884
16,064
334,231
521,152
717,858
772,220
865,319
975,815
1,034,228
1,082,786
1,158,034
1,228,468
1,250,609
1,283,495
Total
15
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
464
1,282
1,840
2,713
2,449
2,506
2,363
2,700
2,265
2,131
2,611
2,694
2,889
2,395
2,357
2,599
2,135
1,751
366
2,545
2,704
1,819
2,635
2,142
3,076
3,373
321
101
12
306
56
280
553
2,446
1,779
3,135
4,623
5,059
3,180
3,641
4,540
4,860
4,506
2,928
5,189
5,958
6,530
6,545
7,888
10,393
11,321
16
2006
2007
704
828
26
730
829
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
254
279
253
254
251
1,103
1,103
1,103
1,384
1,394
1,750
2,256
2,400
2,458
2,442
2,489
2,499
2,641
2,706
1,388
1,400
17
1,758
2,510
42
42
42
2,683
2,715
2,700
2,744
3,644
3,786
3,851
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
3,124
2,335
4,406
5,200
6,117
6,968
7,411
8,108
9,142
10,007
10,359
10,412
10,363
1,898
4,062
5,578
5,835
6,518
6,750
6,205
5,890
6,134
6,459
6,506
6,597
6,556
9,487
12,624
16,553
16,977
19,811
22,044
22,486
22,732
24,245
25,046
25,570
26,321
26,532
282
337
351
365
367
385
369
404
412
415
431
423
402
316
836
516
464
523
698
765
962
1,059
1,195
1,251
1,305
1,313
125
250
540
788
765
836
959
1,211
1,202
1,400
1,609
1,829
1,974
Lainnya (Others)
Total
15,232
20,445
27,944
29,629
34,100
37,681
18
38,195
39,308
42,195
44,523
45,726
46,886
47,140
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
24,237
65,342
90,483
80,367
108,193
127,219
113,379
114,213
125,338
148,595
158,452
144,969
136,060
40,065
26,351
41,714
40,852
48,398
50,340
42,952
48,671
50,170
52,706
53,504
52,781
53,283
337,566
505,633
716,240
775,055
902,965
996,557
1,011,743
1,071,177
1,120,559
1,196,883
1,237,253
1,269,900
1,277,588
90
30
38
38
38
38
38
38
105
105
1,844
1,361
13,467
17,067
18,454
22,019
24,683
25,773
27,286
34,663
34,882
32,766
32,436
6,816
6,783
3,661
5,490
5,271
6,558
5,518
6,557
8,146
8,181
7,970
7,803
8,219
6,666
9,969
19,038
25,542
29,444
30,966
40,308
46,571
52,600
54,301
55,253
50,018
49,908
6,106
7,179
10,264
13,961
17,988
19,420
25,762
28,085
28,809
28,578
29,085
19
SEKTOR EKONOMI
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
ECONOMIC SECTOR
Pertani a n, kehutana n da n s a ra na pertani a n
687
701
837
850
1,000
1,225
1,177
1,303
1,282
1,288
1,330
1,331
1,386
395
375
511
817
546
585
965
1,021
927
998
1,009
1,047
1,002
933
940
1,371
1,512
1,670
1,420
1,340
1,305
1,470
1,477
1,495
1,579
1,612
66
17
166
99
157
224
248
299
433
591
670
698
699
1,548
1,637
2,371
2,480
3,307
3,745
3,368
3,248
3,396
3,705
3,648
3,516
3,515
1,716
3,041
4,152
4,381
4,416
4,441
4,426
4,745
5,248
5,370
5,719
5,000
5,732
1,261
1,165
1,569
1,231
1,952
2,290
2,759
2,839
3,181
3,080
3,168
3,349
3,208
4,504
5,458
8,425
8,907
10,236
11,383
11,757
11,606
12,475
13,334
13,369
13,664
13,775
1,208
1,456
1,904
1,965
2,362
2,735
2,463
2,476
2,588
2,616
2,704
2,661
2,537
2,913
5,655
6,639
7,387
8,454
9,633
9,693
10,465
11,195
12,063
12,616
14,042
13,673
15,232
20,445
27,944
29,629
34,100
37,681
38,195
39,308
42,195
44,523
45,726
46,886
47,140
20
2005
ECONOMIC SECTOR
Pertani a n, kehutana n da n s a ra na pertani a n
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
11,874
17,720
24,436
29,566
40,027
39,828
41,613
43,618
47,606
51,307
53,911
54,486
56,859
138
485
944
928
817
861
1,287
2,206
1,758
1,507
1,275
998
894
9,207
12,465
12,447
11,975
14,133
17,464
15,885
17,095
16,901
19,882
20,278
20,420
20,643
109
748
367
557
2,588
1,473
1,146
557
900
927
1,554
1,055
814
3,495
6,570
16,051
15,911
20,636
25,919
26,536
34,913
36,231
52,416
53,340
48,178
45,235
190,583
255,559
295,195
309,495
357,221
390,729
370,907
428,840
451,561
481,118
477,980
486,018
498,081
3,618
8,704
9,075
10,839
13,349
14,915
17,697
19,729
21,138
19,575
18,530
17,289
18,387
49,031
72,194
99,050
101,249
126,727
147,590
140,989
147,575
163,100
185,913
183,851
176,760
174,229
5,155
5,632
6,402
6,595
8,753
7,828
22,609
11,494
13,461
12,730
16,805
16,451
15,887
144,072
235,392
422,148
464,477
538,777
601,050
617,942
626,391
657,245
698,039
748,706
765,264
755,550
417,282
615,469
886,117
951,591
1,123,027
1,247,657
1,256,610
1,332,419
1,409,900
1,523,415
1,576,229
1,586,919
1,586,580
21
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF USAGE
Modal Kerja
Nilai (Amount)
7,988
10,405
15,656
16,357
18,690
20,315
20,554
20,572
22,274
23,056
23,358
22,873
23,548
52.4%
50.9%
56.0%
55.2%
54.8%
53.9%
53.8%
52.3%
52.8%
51.8%
51.1%
48.8%
50.0%
Nilai (Amount)
4,288
4,374
5,637
5,870
6,930
7,695
7,907
8,229
8,696
9,371
9,721
9,955
9,901
28.1%
21.4%
20.2%
19.8%
20.3%
20.4%
20.7%
20.9%
20.6%
21.0%
21.3%
21.2%
21.0%
Nilai (Amount)
2,956
5,666
6,652
7,403
8,480
9,671
9,734
10,507
11,225
12,095
12,647
14,058
13,691
19.4%
27.7%
23.8%
25.0%
24.9%
25.7%
25.5%
26.7%
26.6%
27.2%
27.7%
30.0%
29.0%
15,232
20,445
27,944
29,629
34,100
37,681
38,195
39,308
42,195
44,523
45,726
46,886
47,140
Investasi
Konsumsi
Total
22
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF USAGE
Modal Kerja
Nilai (Amount)
236,794
357,743
497,472
522,176
602,916
662,604
664,644
695,684
692,310
858,195
778,595
767,538
764,030
56.75%
58.13%
55.89%
54.87%
53.69%
53.11%
52.89%
52.21%
49.10%
56.33%
49.40%
48.37%
48.16%
Investasi
Nilai (Amount)
48,023
78,597
125,320
114,994
127,912
133,490
132,729
139,873
151,263
178,813
186,018
186,482
174,201
11.51%
12.77%
14.08%
12.08%
11.39%
10.70%
10.56%
10.50%
10.73%
11.74%
11.80%
11.75%
10.98%
Nilai (Amount)
132,466
179,129
267,278
314,420
392,199
451,563
459,237
496,863
566,327
486,407
611,616
632,899
648,349
31.74%
29.10%
30.03%
33.04%
34.92%
36.19%
36.55%
37.29%
40.17%
31.93%
38.80%
39.88%
40.86%
417,282
615,469
890,070
951,591
1,123,027
1,247,657
1,256,610
1,332,419
1,409,900
1,523,415
1,576,229
1,586,919
1,586,580
Konsumsi
Total
23
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF FINANCING
10,196
14,872
19,566
20,574
24,455
27,179
27,063
27,867
30,506
32,576
34,495
35,799
36,093
5,036
5,573
8,379
9,056
9,645
10,501
11,132
11,441
11,689
11,947
11,231
11,087
11,047
15,232
20,445
27,944
29,629
34,100
37,681
38,195
39,308
42,195
44,523
45,726
46,886
47,140
24
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
273,212
380,079
575,028
584,580
603,546
661,145
657,359
701,789
718,078
817,331
830,528
833,076
806,344
144,072
235,392
315,044
367,050
519,521
586,552
599,291
630,630
691,823
706,084
745,701
753,843
780,235
417,284
615,471
890,072
951,630
1,123,067
1,247,697
1,256,650
1,332,419
1,409,900
1,523,415
1,576,229
1,586,919
1,586,580
TYPE OF FINANCING
*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )
25
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
COLLECTIBILITY OF FINANCING
Lancar (Performing Financing)
14,803
19,474
26,813
28,393
32,658
36,127
36,686
37,289
40,344
41,975
43,192
45,004
45,086
La nca r (Current)
14,027
18,583
25,494
26,993
31,278
34,413
35,076
35,024
37,601
38,815
39,977
41,931
41,329
776
891
1,319
1,399
1,380
1,714
1,610
2,264
2,743
3,161
3,216
3,074
3,757
429
971
1,131
1,237
1,442
1,554
1,509
2,019
1,851
2,547
2,534
1,882
2,053
804
553
1,136
898
435
621
201
353
321
269
449
531
525
Di ra guka n (Doubtful)
73
236
267
382
286
262
224
200
417
341
746
582
397
Ma cet (Lost)
155
383
543
586
706
761
759
1,015
881
1,070
889
865
1,036
15,232
20,445
27,944
29,629
34,100
37,681
38,195
39,308
42,195
44,523
45,726
46,886
47,140
2.82%
4.75%
4.05%
4.17%
4.23%
26
4.12%
3.95%
5.14%
4.39%
5.72%
5.54%
4.01%
4.36%
2005
2006
2007
Mar-08
371,781
564,373
820,058
876,827
45,501
51,096
72,349
12,290
16,267
Di ra guka n (Doubtful)
23,338
Ma cet (Lost)
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1,039,253
1,161,305
1,151,287
1,220,356
1,298,387
1,399,736
1,444,450
1,475,306
1,469,834
74,764
83,774
86,352
105,322
112,064
111,513
123,678
131,779
111,612
116,745
22,674
25,006
25,280
26,136
35,322
32,277
36,157
42,524
42,704
31,049
38,235
19,760
17,090
17,061
17,481
16,659
21,307
28,111
31,039
36,245
34,002
30,687
22,475
9,873
15,069
32,586
32,697
41,013
43,557
48,693
51,675
44,316
44,910
55,073
49,877
56,036
417,282
615,469
892,407
951,591
1,123,027
1,247,657
1,256,610
1,332,419
1,409,900
1,523,415
1,576,229
1,586,919
1,586,580
COLLECTIBILITY OF FINANCING
Lancar (Performing Financing)
Non Lancar (Non Performin Financing)
10.90%
8.30%
8.11%
7.86%
7.46%
27
6.92%
8.38%
8.41%
7.91%
8.12%
8.36%
7.03%
7.36%
2005
ECONOMIC SECTOR
Pertani a n, kehutana n da n s a ra na pertani a n
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
34
40
21
30
20
14
10
17
28
36
35
64
72
14
25
80
70
14
14
213
262
56
80
54
20
20
82
219
229
246
267
264
289
286
230
183
179
184
190
23
57
89
105
131
112
140
176
148
255
282
180
239
78
205
254
278
285
289
278
301
306
444
473
436
472
42
88
119
132
102
98
91
98
100
187
233
177
182
68
187
141
164
337
452
297
378
453
607
618
311
338
22
40
41
49
87
130
44
130
134
146
132
59
65
65
110
157
162
199
181
148
370
394
609
528
450
475
429
971
1,131
1,237
1,442
1,554
1,509
2,019
1,851
2,547
2,534
1,882
2,053
28
2005
ECONOMIC SECTOR
2006
1,259
2007
Mar-08
Jun-08
1,472
1,783
2,182
10
270
29
1,377
1,652
1,810
43
55
158
908
26,405
30,305
198
Sep-08
Dec-08
2,517
3,866
1,807
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
3,839
3,915
3,919
5,067
4,954
3,741
4,344
81
631
596
506
309
308
2,175
2,317
2,416
2,298
2,926
3,846
3,090
3,190
54
65
214
133
183
63
184
75
76
2,292
1,613
2,071
4,526
4,344
4,325
5,238
4,810
4,484
4,763
38,045
37,061
40,909
38,962
39,224
47,329
46,402
52,999
53,018
45,737
48,344
491
705
933
543
770
1,538
870
902
2,545
1,829
1,705
1,949
6,269
6,802
8,593
9,578
10,336
10,569
16,421
14,679
15,131
13,018
15,715
10,416
12,647
551
449
254
483
503
530
676
833
658
792
1,316
516
620
8,850
9,988
20,139
20,397
25,493
27,345
36,568
37,464
37,064
40,435
45,601
41,539
40,505
45,501
51,096
72,349
74,764
83,774
86,352
105,322
112,064
111,513
123,678
131,779
111,612
116,745
Pertamba nga n
Mining
1,913
Li s tri k, ga s da n a i r
29
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF USAGE
Modal Kerja
Nilai (Amount)
216
604
647
717
798
862
871
1,066
942
1,209
1,371
899
1,007
50.2%
62.2%
57.2%
57.9%
55.4%
55.5%
57.7%
52.8%
50.9%
47.4%
54.1%
47.7%
49.0%
Nilai (Amount)
148
258
326
357
444
511
489
583
515
730
634
534
572
34.6%
26.5%
28.8%
28.9%
30.8%
32.9%
32.4%
28.9%
27.8%
28.6%
25.0%
28.4%
27.9%
Nilai (Amount)
65
110
158
163
199
182
148
370
394
609
529
450
475
15.2%
11.3%
14.0%
13.2%
13.8%
11.7%
9.8%
18.3%
21.3%
23.9%
20.9%
23.9%
23.1%
429
971
1,131
1,237
1,442
1,554
1,509
2,019
1,851
2,547
2,534
1,882
2,053
Investasi
Konsumsi
Total
30
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF USAGE
Modal Kerja
Nilai (Amount)
34,239
38,716
53,267
53,947
61,425
62,915
75,154
71,584
72,261
82,579
83,786
68,821
72,600
75.2%
75.8%
73.6%
72.2%
73.3%
72.9%
71.4%
63.9%
64.8%
66.8%
63.6%
61.7%
62.2%
Nilai (Amount)
4,454
5,445
6,114
7,390
7,613
7,353
8,890
10,323
11,154
12,117
12,877
10,723
9,402
9.8%
10.7%
8.5%
9.9%
9.1%
8.5%
8.4%
9.2%
10.0%
9.8%
9.8%
9.6%
8.1%
Nilai (Amount)
6,808
6,936
12,968
13,427
14,737
16,084
21,278
30,157
28,097
28,982
35,115
32,068
34,744
15.0%
13.6%
17.9%
18.0%
17.6%
18.6%
20.2%
26.9%
25.2%
23.4%
26.6%
28.7%
29.8%
45,501
51,096
72,349
74,764
83,774
86,352
105,322
112,064
111,513
123,678
131,779
111,612
116,745
Investasi
Konsumsi
Total
31
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF FINANCING
330
725
798
909
1,010
1,183
985
1,353
1,174
1,663
1,644
1,611
1,741
99
246
333
328
432
371
524
666
677
884
890
271
312
429
971
1,131
1,237
1,442
1,554
1,509
2,019
1,851
2,547
2,534
1,882
2,053
32
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
TYPE OF FINANCING
45,501
41,108
50,322
51,391
57,813
60,251
69,501
73,710
73,486
81,108
84,391
70,160
71,330
9,988
22,028
23,373
25,961
26,102
35,821
38,354
38,027
42,571
47,388
41,453
45,415
45,501
51,096
72,349
74,764
83,774
86,352
105,322
112,064
111,513
123,678
131,779
111,612
116,745
*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )
33
2007
Mar-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
1,255,889
1,992,452
2,845,829
3,150,819
3,401,298
3,657,231
3,766,067
4,266,814
4,612,411
4,549,370
4,400,670
4,537,565
4,483,636
26,100
34,499
42,741
43,850
47,101
48,988
51,123
58,686
57,803
60,401
70,734
71,635
71,818
1,168,786
1,883,875
2,711,374
3,009,494
3,253,322
3,501,899
3,600,205
4,079,270
4,424,263
4,350,940
4,183,185
4,315,582
4,258,203
61,003
74,078
91,714
97,475
100,875
106,344
114,739
128,858
130,345
138,029
146,751
150,348
153,615
144,699
372,109
512,230
520,942
538,451
582,046
597,208
626,602
633,109
653,666
674,298
577,134
2,088,802
15,857
14,967
23,411
26,144
28,731
30,403
30,071
30,050
30,614
31,980
32,438
32,609
32,761
2,396
3,026
6,013
7,021
8,826
10,439
10,949
11,277
12,514
14,550
15,557
16,066
16,100
119,832
340,824
454,952
448,431
459,270
493,142
498,469
513,501
518,054
524,184
528,344
422,551
535,808
2006
Jun-08
408
387
392
437
472
614
695
854
2005
Nov-09
Dec-09
Jan-10
1,114
1,283
1,324
1,346
1,389,346
129
443
1,007
1,056
1,581
1,792
1,912
2,072
2,625
2,763
3,061
4,192
4,468
6,077
12,462
26,455
37,853
39,571
45,656
55,112
68,848
68,188
78,906
93,574
100,370
110,319
1,400,588
2,364,561
3,358,059
3,671,761
3,939,749
4,239,277
4,363,275
4,893,416
5,245,520
5,203,036
5,074,968
5,114,699
6,572,438
34
2005
2006
221,070
287,203
Mar-08
339,914
Jun-08
436,932
Sep-08
374,150
Dec-08
385,448
Mar-09
437,464
Jun-09
432,767
Sep-09
516,615
Nov-09
461,969
Dec-09
484,387
Jan-10
517,944
485,927
214,866
279,046
329,272
425,620
362,115
372,864
423,550
417,733
501,059
445,640
467,290
500,414
467,928
6,204
8,157
10,642
11,312
12,035
12,584
13,914
15,034
15,556
16,329
17,097
17,530
17,999
47,627
70,415
110,415
95,917
104,796
110,415
115,050
124,286
124,912
130,101
134,325
131,258
131,811
2,079
2,312
2,777
2,513
2,584
2,777
2,446
2,641
2,711
2,669
2,467
2,595
2,467
2,959
3,915
4,633
4,389
4,770
4,633
4,442
4,458
4,719
5,101
5,136
4,990
5,134
38,928
58,895
91,121
79,145
85,511
91,121
92,843
99,540
98,919
101,972
105,053
105,030
105,429
10
314
310
403
363
355
403
438
504
533
701
746
768
765
2,547
3,991
8,816
8,290
9,831
8,816
11,795
13,899
14,811
15,646
16,949
13,712
13,775
790
991
Total
2007
268,697
357,618
727
684
680
727
577
490
469
911
891
903
931
1,933
528
1,060
1,933
2,504
2,749
2,745
3,101
3,082
3,259
3,310
450,329
532,849
478,946
495,863
552,514
557,053
641,527
592,070
618,712
649,202
617,738
35
Tabel 36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit)
Jenis
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1.16%
1.27%
1.07%
1.02%
1.01%
1.13%
1.18%
1.02%
1.36%
1.01%
0.89%
0.96%
0.92%
3.96%
3.72%
3.32%
3.20%
3.03%
3.07%
3.61%
3.21%
3.21%
3.06%
2.73%
2.76%
2.50%
1 Bulan (1 month)
7.86%
8.96%
7.63%
7.02%
6.85%
7.15%
8.22%
7.35%
7.65%
6.78%
6.75%
6.92%
5.31%
3 Bulan (3 months)
8.03%
9.81%
7.93%
7.15%
7.16%
7.44%
9.10%
9.59%
8.13%
7.36%
7.19%
7.25%
6.07%
6 Bulan (6 months)
8.82%
9.57%
8.25%
7.77%
7.60%
7.94%
8.67%
8.30%
7.83%
7.05%
6.89%
8.44%
6.15%
9.35%
9.99%
8.34%
7.26%
7.15%
7.65%
8.34%
8.49%
10.77%
9.20%
9.09%
9.06%
7.68%
7.83%
10.04%
7.17%
6.08%
5.98%
8.98%
8.63%
8.56%
7.71%
8.42%
8.46%
8.63%
8.53%
Pembiayaan (Financing)
1
12.75%
13.73%
16.93%
20.31%
19.11%
19.43%
19.38%
19.01%
19.19%
19.33%
19.09%
19.11%
17.91%
8.46%
10.25%
11.23%
12.06%
11.65%
11.06%
11.37%
10.98%
11.29%
11.04%
11.49%
11.72%
10.85%
13.05%
12.09%
14.66%
14.49%
14.15%
14.39%
14.92%
15.12%
15.46%
15.78%
15.95%
16.07%
15.87%
13.80%
13.46%
14.30%
14.22%
14.21%
14.15%
14.99%
14.67%
14.28%
14.16%
14.04%
13.89%
16.58%
0.59%
0.66%
0.16%
0.21%
0.40%
0.18%
0.88%
0.46%
0.46%
0.78%
0.73%
0.76%
0.75%
5.25%
5.33%
2.89%
3.29%
3.12%
3.23%
3.42%
3.40%
3.68%
3.78%
3.98%
4.34%
4.34%
36
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
5.69%
10.62%
5.50%
5.99%
6.21%
6.62%
6.62%
5.95%
5.83%
5.78%
5.94%
6.19%
5.36%
1 Bulan (1 month)
8.79%
12.73%
10.64%
10.68%
10.39%
10.76%
10.47%
10.95%
10.99%
11.38%
11.17%
12.03%
10.53%
3 Bulan (3 months)
10.60%
12.44%
11.65%
12.46%
10.14%
11.54%
13.16%
12.03%
12.24%
11.81%
12.40%
12.43%
11.00%
6 Bulan (6 months)
12.98%
13.68%
12.14%
12.04%
12.98%
13.88%
13.74%
13.66%
13.16%
13.07%
13.48%
13.38%
12.05%
9.27%
12.58%
12.31%
12.33%
12.17%
12.34%
13.09%
13.02%
12.68%
11.85%
12.59%
12.30%
11.59%
13.54%
14.48%
11.52%
11.23%
12.13%
14.43%
13.03%
11.73%
12.48%
12.28%
12.19%
12.26%
12.18%
Pembiayaan (Financing)
1
21.28%
18.16%
21.28%
22.63%
22.00%
20.67%
18.49%
17.16%
20.00%
19.77%
19.63%
18.59%
19.10%
20.96%
23.15%
20.77%
24.02%
23.09%
23.34%
23.28%
22.67%
21.83%
17.35%
16.80%
15.97%
15.50%
17.88%
18.72%
20.30%
20.35%
19.97%
19.76%
19.56%
19.70%
19.93%
19.32%
19.45%
19.22%
19.31%
18.45%
20.01%
7.43%
7.34%
7.22%
7.15%
7.39%
7.68%
7.59%
6.46%
6.90%
7.35%
7.39%
0.84%
0.54%
0.21%
0.22%
0.11%
0.11%
0.11%
0.07%
0.08%
0.13%
0.10%
0.10%
0.09%
37
Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah
(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)
Rasio (Ratio)
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
CAR 1)
12.41%
13.73%
10.67%
11.54%
10.51%
10.59%
12.81%
13.87%
12.47%
11.50%
11.17%
10.77%
11.26%
ROA
1.35%
1.55%
2.07%
2.59%
2.32%
2.21%
1.42%
2.44%
2.16%
1.38%
1.48%
1.48%
1.65%
ROE 1)
27.58%
28.45%
40.38%
54.06%
49.39%
45.94%
38.79%
34.14%
29.51%
28.33%
27.52%
26.09%
20.51%
NPF
2.82%
4.75%
4.05%
4.17%
4.23%
4.12%
1.42%
5.14%
4.39%
5.72%
5.54%
4.01%
4.36%
FDR
97.75%
98.90%
99.76%
100.26%
103.18%
112.25%
103.65%
103.33%
100.22%
98.11%
95.49%
89.70%
88.67%
BOPO
78.91%
76.77%
76.54%
76.28%
72.94%
73.60%
81.75%
67.61%
73.56%
84.05%
83.08%
84.39%
84.87%
1)
38
2005
2006
na
na
CAR
ROA
4.05%
ROE
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
34.72%
33.69%
28.40%
28.11%
30.28%
33.74%
28.15%
30.27%
34.57%
29.98%
30.80%
3.79%
3.21%
3.63%
3.41%
3.27%
2.76%
2.65%
2.98%
3.10%
3.46%
3.58%
2.15%
11.21%
9.82%
11.21%
15.14%
16.13%
17.35%
14.77%
14.60%
17.13%
18.04%
20.98%
21.55%
11.65%
NPF
10.90%
8.30%
8.11%
7.86%
7.46%
6.92%
8.38%
8.41%
7.91%
8.12%
8.36%
7.03%
7.36%
FDR
122.41%
118.10%
124.08%
123.23%
129.78%
139.11%
128.78%
128.83%
130.21%
131.55%
128.31%
126.89%
123.61%
BOPO
70.63%
77.33%
76.58%
74.08%
76.15%
76.66%
80.85%
83.10%
73.20%
72.91%
65.37%
64.69%
73.31%
39
2005
2006
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
11
13
10
10
1 s .d. 5 Mi l i a r (1 up to 5 Billion)
51
57
46
48
49
52
50
44
40
38
38
38
35
17
22
24
27
33
30
34
36
40
43
40
40
41
13
19
31
32
32
37
40
45
45
48
52
52
54
Total
92
105
114
117
124
128
131
133
133
137
139
138
140
40
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1 hari (Overnight)
276
542
355
551
2,295
2,259
1,629
485
879
482
700
373
334
66
206
303
931
450
426
352
354
328
890
347
7 hari (7 days)
106
304
39
457
107
961
399
765
195
421
129
340
74
193
36
157
329
148
638
778
670
931
682
510
64
40
70
420
420
420
470
10
446
18
100
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
41
2007
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Nov-09
Dec-09
Jan-10
1 hari (Overnight)
5.92%
6.59%
6.60%
6.93%
8.65%
9.54%
7.96%
7.20%
6.07%
6.21%
6.01%
6.15%
7.80%
6.58%
6.63%
6.94%
8.76%
9.97%
8.22%
7.25%
6.13%
5.92%
6.13%
6.10%
7 hari (7 days)
8.18%
6.66%
6.39%
7.26%
8.86%
10.30%
8.04%
7.30%
6.30%
6.12%
6.33%
6.27%
8.60%
6.48%
6.45%
7.23%
9.13%
10.65%
8.37%
7.66%
6.61%
6.73%
6.55%
6.78%
7.18%
7.30%
9.25%
6.95%
6.48%
6.47%
6.65%
6.90%
6.50%
10.22%
10.75%
8.21%
6.92%
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
42
Aset Gross
(Gross Assets)
1,985
3,807
1,708
1,625
89
460
242
2,334
617
659
55,646
9,159
2,219
3,882
1,671
5,570
163
1,006
80
2,107
1,906
156
96
11
229
229
1,456
49
75
502
35
65
214
433
Pembiayaan (Financing)
859
2,844
844
1,076
38
413
236
1,056
424
531
21,070
4,710
1,135
2,668
631
3,586
117
584
37
1,053
840
142
86
10
159
154
1,152
13
34
411
32
61
132
2
43
FDR
NPF
70.81%
136.19%
94.39%
117.35%
62.06%
166.96%
156.00%
93.78%
99.23%
121.43%
85.27%
77.97%
67.16%
116.42%
71.51%
85.52%
75.52%
96.42%
46.59%
75.40%
89.52%
169.28%
106.98%
102.20%
71.61%
73.10%
125.55%
26.15%
45.99%
139.79%
110.42%
98.56%
85.29%
0.57%
1.92%
8.64%
1.79%
1.12%
0.10%
3.53%
3.09%
6.81%
11.02%
1.88%
5.23%
4.15%
2.86%
2.70%
1.82%
1.19%
0.40%
1.20%
1.05%
1.66%
1.67%
2.06%
4.08%
0.00%
2.56%
1.05%
8.15%
3.93%
3.63%
1.53%
0.00%
4.30%
0.38%
0.00%
Aset (Assets)
55,138
65,534
72,009
6,702
123,381
38,348
38,341
6,608
57,831
13,743
642,948
243,396
161,369
96,213
352,638
5,571
20,250
89,702
47,886
1,189
Pembiayaan (Financing)
35,768
46,333
57,877
3,528
75,682
31,843
27,335
5,758
40,805
10,792
493,925
195,383
107,741
60,928
279,364
4,526
13,617
64,760
29,952
662
44
FDR
NPF
121.48%
100.35%
114.72%
100.62%
81.74%
138.37%
111.79%
202.40%
170.62%
217.30%
129.77%
118.46%
98.27%
89.65%
162.58%
98.19%
100.14%
168.19%
99.95%
136.04%
6.89%
5.01%
1.70%
2.50%
4.60%
3.83%
4.73%
1.45%
9.97%
0.85%
4.67%
6.32%
5.64%
5.41%
7.84%
5.74%
3.65%
4.81%
4.62%
11.32%
Perta ni a n, kehuta na n da n
s a ra na perta ni a n
Mining
Manufacturing
Li s tri k, ga s da n a i r
Water, gas and
electricity
Kons truks i
Others
73
83
145
29
513
485
34
14
234
596
27
605
94
694
Suma tera Ba ra t
26
53
178
238
51
338
54
23
215
294
31
450
19
12
67
153
106
18
105
DI Aceh
59
21
84
29
42
193
82
142
44
272
21
296
211
43
13
147
38
143
188
19
109
DKI Ja ka rta
256
832
578
611
2,410
2,166
2,529
6,521
923
4,132
Ja wa Ba ra t
18
125
31
265
369
205
1,627
404
1,654
97
27
103
432
128
333
Ja wa Tenga h
76
539
66
537
60
539
168
803
DI Yogya ka rta
19
17
159
201
33
193
41
15
125
15
118
201
820
330
1,867
Ba l i
67
43
Ka l i ma nta n Ba ra t
17
78
121
102
238
Kepul a ua n Ri a u
La mpung
Ba nten
Ja wa Ti mur
32
16
25
51
204
27
379
38
312
Ka l i ma nta n Sel a ta n
114
30
26
128
252
35
235
14
114
10
Goronta l o
22
49
Sul a wes i Ba ra t
12
18
27
104
98
49
23
156
405
24
552
Ma l uku
Ma l uku Uta ra
24
NTB
11
36
33
59
265
NTT
11
15
Iri a n Ja ya Ba ra t
22
28
11
15
17
43
31
24
Ka l i ma nta n Tenga h
Ka l i ma nta n Ti mur
Pa pua
Luar Indonesia
45
Propinsi (Province)
DI Aceh
Sumatera Utara
Sumatera Barat
Sumatera Selatan
Bangka Belitung
Jambi
Bengkulu
Riau
Kepulauan Riau
Lampung
DKI Jakarta
Jawa Barat
Banten
Jawa Tengah
DI Yogyakarta
Jawa Timur
Bali
Kalimantan Barat
Kalimantan Tengah
Kalimantan Timur
Kalimantan Selatan
Sulawesi Utara
Gorontalo
Sulawesi Barat
Sulawesi Tengah
Sulawesi Tenggara
Sulawesi Selatan
Maluku
Maluku Utara
NTB
NTT
Irian Jaya Barat
Papua
Pertambangan
Perindustrian
Pengangkutan,
Perdagangan, restoran dan
Jasa sosial /
pergudangan dan
Jasa dunia usaha
Lain-lain
hotel
masyarakat
komunikasi
Transport, cargo storage and
Construction Trade, restaurants and hotels
Business Services
Social Services
communication
Mining
Manufacturing
1,619
1,561
3,961
193
1,447
9,329
689
22
1,150
7,787
336
7,634
1,139
15,392
20
151
1,101
98
844
15
183
25
106
312
152
77
50
93
-
224
1,077
520
303
132
2,559
1,250
529
3,805
2,043
1,823
2,167
2,743
252
20
956
18
-
5
158
250
329
164
42
47
59
-
905
685
3,045
5,751
8
363
1,302
6,837
715
19,884
694
913
3,206
3,868
46
23,668
9,692
27,847
462
40,374
8,153
3,919
2,228
3,843
1,012
119,944
80,244
30,186
16,191
82,057
1,956
3,538
2,779
8,054
19,629
242
97
59
2,120
832
199
1,254
230
11
9,033
28
1,053
45
482
8
1,314
6
517
-
1,858
3,592
4,066
164
18,572
354
7,709
736
1,689
1,206
29,053
46,362
8,201
20,925
23,419
169
10
6,147
803
1,645
78
19
160
986
28
495
24
408
264
238
8,001
2,355
787
1,009
842
118
9
708
-
Others
7,190
30,440
13,677
2,314
12,871
8,981
11,096
1,284
37,167
7,498
300,796
41,223
33,641
42,185
151,643
1,335
7,415
2,024
49,526
2,581
374
Modal Kerja
Investasi
Konsumsi
Mining
Manufacturing
267
1,330
410
457
7
245
181
454
118
354
11,647
2,393
576
1,545
344
1,250
67
168
6
399
278
129
66
3
39
105
510
3
6
82
17
50
43
-
79
820
96
169
19
76
13
305
94
68
5,261
646
227
352
93
458
10
178
28
324
316
3
12
2
16
0
101
4
64
66
2
513
695
338
450
12
93
42
297
212
109
4,162
1,672
332
771
194
1,877
39
238
3
329
246
10
8
5
104
49
541
9
24
265
15
11
24
-
47
Propinsi (Province)
DI Aceh
Suma tera Uta ra
Suma tera Ba ra t
Suma tera Sel a ta n
Ba ngka Bel i tung
Ja mbi
Bengkul u
Ri a u
Kepul a ua n Ri a u
La mpung
DKI Ja ka rta
Ja wa Ba ra t
Ba nten
Ja wa Tenga h
DI Yogya ka rta
Ja wa Ti mur
Ba l i
Ka l i ma nta n Ba ra t
Ka l i ma nta n Tenga h
Ka l i ma nta n Ti mur
Ka l i ma nta n Sel a ta n
Sul a wes i Uta ra
Goronta l o
Sul a wes i Ba ra t
Sul a wes i Tenga h
Sul a wes i Tengga ra
Sul a wes i Sel a ta n
Ma l uku
Ma l uku Uta ra
NTB
NTT
Iri a n Ja ya Ba ra t
Pa pua
Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi
(Financing of Islamic Rural Bank based on Type of Usage and Province)
Modal Kerja
Investasi
Konsumsi
Working Capital
Investment
26,327
3,589
20,134
1,860
35,059
9,597
1,119
271
67,369
3,947
22,829
4,533
13,926
3,185
2,344
1,668
8,910
1,280
9,891
61
171,113
58,133
118,462
33,766
52,787
20,921
39,299
7,898
119,552
17,285
2,843
856
11,835
16,803
584
23,188
4,700
240
68
48
Consumption
5,852
24,339
13,221
2,139
4,366
4,480
10,224
1,747
30,615
840
264,678
43,154
34,034
13,731
142,527
828
1,782
47,373
2,064
354
668
2,072
682
590
1
407
224
865
334
459
16,480
3,184
575
2,319
455
2,958
89
411
24
1,005
642
119
76
10
34
62
928
13
6
224
26
22
129
-
49
192
772
161
486
38
6
12
191
90
72
4,590
1,526
560
348
176
628
28
173
13
48
198
22
10
124
92
224
28
187
6
39
3
2
50
Jawa Barat
DKI Jakarta
DIY
Jawa Tengah
Jawa Timur
Bengkulu
Jambi
NAD
Sumatera Utara
Sumatera Barat
Riau
Kep. Riau
Sumatera Selatan
Bangka Belitung
Lampung
Kalimantan Selatan
Kalimantan Barat
Kalimantan Timur
Kalimantan Tengah
Sulawesi Selatan
Sulawesi Selatan
Sulawesi Barat
Sulawesi Utara
Gorontalo
Sulawesi Tenggara
Nusa Tenggara Barat
Bali
Nusa Tenggara Timur
Maluku
Irian Jaya Barat
Papua
Maluku Utara
Luar Indonesia
Kota/Kabupaten
(City/District)
Kab. Tangerang
Kodya Tangerang
Kab. Serang
Kotif Cilegon
Kab. Bekasi
Kab. Purwakarta
Kab. Cianjur
Kab. Bandung
Kab. Tasikmalaya
Kab. Majalengka
Kodya Bandung
Kodya Bogor
Kodya Sukabumi
Kodya Cirebon
Kotif Tasikmalaya
Kotif Depok
Kotif Bekasi
Wil. Kota Jakarta Pusat
Wil. Kota Jakarta Utara
Wil. Kota Jakarta Barat
Wil. Kota Jakarta Selatan
Wil. Kota Jakarta Timur
Kab. Sleman
Kodya Yogyakarta
Kab. Banyumas
Kodya Semarang
Kodya Pekalongan
Kodya Surakarta
Kab. Sidoarjo
Kab. Pamekasan
Kab. Banyuwangi
Kab. Jember
Kodya Surabaya
Kodya Malang
Kodya Kediri
Kodya Bengkulu
Kodya Jambi
Kodya Banda Aceh
Kotif Lhokseumawe
Kotif Langsa
Kotif Simeulue
Kab. Langkat
Kab. Labuhan Batu
Kodya Tebing Tinggi
Kodya Pematang Siantar
Kodya Tanjung Balai
Kodya Medan
Kotif Padang Sidempuan
Kodya Bukittinggi
Kodya Padang
Kodya Payakumbuh
Kodya Pekanbaru
Kotif Dumai
Kotif Tanjungpinang
Kodya Pulau Batam
Kodya Palembang
Kodya Pangkal Pinang
Kodya Bandar Lampung
Kab. Banjar
Kab. Hulu Sungai Selatan
Kodya Banjarmasin
Kodya Pontianak
Kab. Kutai
Kab. Pasir
Kodya Samarinda
Kodya Balikpapan
Kodya Palangkaraya
Kodya Palu
Kab. Wajo
Kab. Mamuju
Kab. Maros
Kodya Makassar
Kodya Menado
Kodya Gorontalo
Kodya Kendari
Kab. Lombok Timur
Kodya Mataram
Kodya Denpasar
Kodya Kupang
Kodya Ambon
Kab. Sorong
Kodya Jayapura
Kotif Ternate
DI LUAR INDONESIA
Pembiayaan (Financing)
FDR
449
191
243
252
510
125
63
23
4
1,822
767
39
492
301
218
348
722
203
284
482
944
83
60
5
0
0
2,168
1,028
40
392
204
380
735
62.22%
94.24%
85.57%
52.29%
54.01%
150.48%
104.03%
0.00%
11578.79%
1251.14%
84.03%
74.56%
96.28%
125.31%
147.15%
57.48%
47.36%
11,161
714
365
7,307
1,524
114
517
238
961
452
1,017
79
23
248
2,128
685
422
236
413
544
119
126
70
245
175
59
517
27
1,553
268
315
498
31
917
139
120
304
1,076
38
531
54
48
739
584
146
10
554
343
37
159
31
10
38
1,083
142
86
154
66
345
117
32
13
61
132
34
2
10,746
772
430
10,947
1,814
68
815
201
919
423
748
2
76
7
172
2,592
573
771
151
247
976
104
58
75
92
104
58
165
41
1,390
239
251
625
18
883
243
142
285
917
62
437
48
36
855
606
119
1
775
502
79
221
9
9
12
897
84
81
211
17
277
154
29
48
62
155
74
432
103.86%
92.40%
84.87%
66.75%
84.05%
167.45%
63.50%
118.77%
104.56%
106.69%
135.87%
0.00%
104.16%
336.27%
143.71%
82.11%
119.66%
54.78%
156.00%
166.96%
55.67%
114.81%
217.22%
93.49%
266.86%
167.61%
102.99%
314.42%
64.34%
111.73%
112.22%
125.42%
79.72%
169.69%
103.80%
57.31%
84.69%
106.45%
117.35%
62.06%
121.43%
112.53%
133.62%
86.40%
96.42%
122.67%
1960.39%
71.44%
68.37%
46.59%
71.61%
353.85%
102.20%
328.42%
120.69%
169.28%
106.98%
73.10%
377.60%
124.83%
75.52%
110.42%
26.15%
98.56%
85.29%
45.99%
0.57%
51
Grafik 1. Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah
(Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit)
Miliar rupiah (in Billion IDR)
70,000,000
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
Jan-09
Feb-09
Mar-09
Apr-09
Aset (Assets)
May-09
Jun-09
52
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
2,000,000
1,500,000
1,000,000
500,000
Jan-09
Feb-09
Mar-09
Aset (Assets)
Apr-09
May-09
Jun-09
Jul-09
53
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah
FDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
54
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
FDR
Jan-10
Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah
(FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
55
Sep-09
Oct-09
Nov-09
Dec-09
FDR
Jan-10
Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah
(Source of Funds - Islamic Commercial Bank and Islamic Business Unit)
Surat Berharga
(Securities)
0.8%
Kewajiban Kepada Bank Lain
(Inter-bank Liabilities)
6.3%
56
Modal
(Capital)
14.8%
Pinjaman yang Diterima
(Received Borrowing)
3.8%
57
Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah
(Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)
Penempatan di BI
(Placement at BI)
6.0%
Surat Berharga
(Investment in Securities)
5.9%
Penyertaan
(Equity participation)
0.1%
Tagihan Lainnya
(Billing and Acceptable Liabilities)
0.4%
PYD
(Financing)
83.3%
58
59
Triliun Rupiah
(in Trillion IDR)
Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah
(Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)
50.00
45.00
10%
Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
9%
40.00
8%
35.00
7%
30.00
6%
25.00
5%
20.00
4%
15.00
3%
10.00
2%
5.00
1%
0.00
0%
Jul-09
60
Juta Rupiah
(in Million IDR)
1,600,000.00
Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah
(Trend of Financing and NPF - Islamic Rural Bank)
Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
12%
1,400,000.00
10%
1,200,000.00
8%
1,000,000.00
800,000.00
6%
600,000.00
4%
400,000.00
2%
200,000.00
0.00
0%
Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 Jan-10
61
Grafik 11. Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah
(Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)
3.00%
90.00%
80.00%
2.50%
70.00%
2.00%
60.00%
50.00%
1.50%
40.00%
1.00%
30.00%
20.00%
0.50%
10.00%
0.00%
0.00%
TW-1 2008
TW-2 2008
TW-3 2008
TW-4 2008
TW-1 2009
TW-2 2009
TW-3 2009
62
Oct-09
Nov-09
Dec-09
Jan-10
Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah
(Trend of BOPO, ROA and ROE - Islamic Rural Bank)
4.00%
90.00%
3.50%
80.00%
70.00%
3.00%
60.00%
2.50%
50.00%
2.00%
40.00%
1.50%
30.00%
1.00%
20.00%
0.50%
10.00%
0.00%
0.00%
TW-1 2008
TW-2 2008
TW-3 2008
TW-4 2008
TW-1 2009
TW-2 2009
63
TW-3 2009
Oct-09
Nov-09
Dec-09
Jan-10