PERKEMBANGAN NPL KREDIT USAHA MIKRO, USAHA KECIL, DAN USAHA MENENGAH (UMKM) PERBANKAN

NPL OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS 1

(Miliar / Billion Rp)

III.A

PERKEMBANGAN NPL KREDIT UMKM

NPL OF MSMEs CREDIT .III.A

2012
Total

Kredit Usaha Mikro

2015

2013
%

Total

2014
%

Jan

Total

Total

Feb
%

Total

Mar

Apr

Mei

Total

Total

Total

Juni
%

Total

Juli
%

Total

Ags
%

Total

Sept
%

Total

Okt
%

Total

Nov
%

Total

2016
Jan

Des
%

Total

Non Performing Loan

Total

8,750.3

4.53%

10,782.0

4.81%

10,742.9

5.26%

11,647.6

5.61%

11,494.8

5.59%

12,054.4

5.83%

12,646.3

6.10%

12,367.1

5.83%

13,019.9

6.14%

13,104.7

6.13%

12,385.9

5.78%

12,622.3

5.82%

13,812.4

5.98%

12,118.0

5.07%

13,374.0

3.79% Micro Enterprises Credit

5.74% Small Enterprises Credit

Kredit Usaha Menengah

NPL-gross Kredit UMKM **)

2.59%

8,399.8

2.72%

13,765.3

3.79%

13,285.2

4.12%

14,228.8

4.36%

13,868.0

4.00%

14,851.7

4.27%

15,778.2

4.47%

15,551.0

4.33%

16,639.0

4.64%

16,603.9

4.63%

16,701.8

4.61%

16,965.1

4.69%

19,129.7

4.97%

17,718.5

4.52%

18,822.1

4.99% Medium Enterprises Credit

18,766.7

3.40%

21,448.1

3.35%

31,437.5

4.10%

29,740.4

4.32%

32,115.7

4.60%

31,579.7

4.38%

33,219.1

4.58%

34,952.3

4.77%

34,566.6

4.62%

36,654.3

4.88%

36,847.9

4.89%

35,643.6

4.73%

35,986.1

4.77%

40,348.1

4.99%

36,462.6

4.39%

39,714.5

4.91% NPL-gross of MSMEs Credits

Kredit Modal Kerja

15,253.6

3.58%

16,413.2

3.48%

23,793.5

4.23%

22,709.0

4.49%

24,259.7

4.73%

24,065.7

4.53%

25,291.9

4.73%

26,622.1

4.93%

26,458.9

4.76%

28,042.5

5.05%

28,266.3

5.07%

27,325.0

4.89%

27,653.5

4.95%

30,827.4

5.18%

27,543.4

4.55%

30,085.4

5.14% Working Capital Credits

3,513.1

2.78%

5,034.9

2.99%

7,656.1

3.73%

7,031.4

3.83%

7,856.0

4.22%

7,514.0

3.97%

7,927.2

4.15%

8,330.2

4.34%

8,107.6

4.19%

8,611.8

4.39%

8,581.6

4.39%

8,318.6

4.28%

8,332.6

4.25%

9,520.7

4.47%

8,919.2

3.96%

9,629.2

0.0
18,766.7

0.00%
3.40%

0.0
21,448.1

0.00%
3.35%

31,449.7

0.00%
4.10%

0.0
29,740.4

6.79%
4.32%

32,115.7

0.00%
4.60%

31,579.7

0.00%
4.38%

33,219.1

0.00%
4.58%

34,952.3

0.00%
4.77%

34,566.6

0.00%
4.62%

36,654.3

0.00%
4.88%

36,847.9

0.00%
4.89%

35,643.6

0.00%
4.73%

35,986.1

0.00%
4.77%

40,348.1

0.00%
4.99%

36,462.6

0.00%
4.39%

39,714.5

1,745.6

3.92%

1,885.7

3.60%

2,822.0

4.55%

2,647.3

4.52%

2,848.4

4.85%

2,909.9

4.88%

3,013.2

4.99%

3,142.9

5.05%

2,916.1

4.65%

3,119.3

4.92%

3,114.3

4.93%

2,972.8

4.70%

3,075.5

4.82%

3,786.3

5.62%

3,344.8

4.84%

3,667.5

168.8

5.62%

179.3

4.67%

176.5

3.77%

175.7

4.12%

203.7

4.71%

219.1

4.95%

236.4

5.35%

250.8

5.71%

245.8

5.54%

236.3

5.34%

222.1

4.99%

206.9

4.66%

226.3

5.06%

245.5

4.75%

213.6

4.05%

236.0

Kredit Usaha Kecil

Kredit Investasi
Tidak Terindentifikasi
NPL-gross Kredit UMKM

Pertanian, perburuan dan Kehutanan

Perikanan
Pertambangan dan Penggalian
Industri pengolahan
Listrik, Gas dan Air
Konstruksi
Perdagangan besar dan eceran
Penyediaan akomodasi dan penyediaan makan
minum
Transportasi, pergudangan dan komunikasi
Perantara keuangan
Real estate, usaha persewaan dan jasa
perusahaan
Administrasi Pemerintahan, pertahanan dan
jaminan sosial wajib
Jasa pendidikan
Jasa kesehatan dan kegiatan sosial
Jasa kemasyarakatan, sosial budaya, hiburan
dan perorangan lainnya
Jasa perorangan yang melayani rumah tangga
Badan internasional dan badan ekstra
internasional lainnya

3,698.4

3.25%

8,115.8

4.78%

6,952.5

4,298.0

3.12%

6,890.1

3.83%

5,712.3

3.51%

6,239.3

3.78%

6,216.9

3.68%

6,313.0

3.71%

6,527.9

3.79%

6,648.5

3.75%

6,995.3

3.88%

7,139.2

3.95%

6,555.9

3.71%

6,398.7

3.65%

7,405.9

3.85%

6,626.1

3.33%

7,518.4

160.7

2.91%

190.3

3.91%

399.3

5.77%

269.8

5.52%

289.0

5.87%

292.7

5.89%

314.0

6.55%

373.6

7.48%

425.6

8.11%

419.5

8.59%

435.1

8.98%

423.5

9.10%

417.6

9.03%

543.7

10.19%

590.7

10.53%

581.2

1,836.0

3.05%

1,778.9

2.92%

2,404.1

3.29%

2,310.1

3.44%

2,395.9

3.48%

2,383.9

3.31%

2,464.2

3.41%

2,610.8

3.59%

2,697.9

3.59%

2,889.7

3.84%

2,819.9

3.74%

2,873.0

3.75%

3,001.9

3.91%

3,350.0

4.28%

2,994.4

3.73%

3,190.0

14.8

0.98%

24.4

1.36%

324.1

7.83%

31.6

1.80%

32.0

1.69%

33.1

1.68%

35.0

1.83%

37.8

1.87%

33.8

1.68%

84.0

4.06%

89.4

4.35%

93.0

4.37%

96.3

4.42%

122.8

4.21%

122.0

4.60%

126.7

1,544.4

4.88%

1,933.7

4.80%

3,502.9

7.41%

3,316.7

8.62%

3,919.8

9.85%

3,581.2

8.74%

3,764.3

9.05%

3,853.8

9.02%

3,896.8

8.71%

4,038.9

8.92%

3,937.9

8.61%

3,808.6

8.22%

4,167.2

8.70%

4,425.4

8.66%

3,692.4

7.33%

4,071.7

9,483.8

3.60%

11,736.9

3.47%

15,270.5

3.94%

15,579.4

4.29%

16,718.2

4.55%

16,500.5

4.34%

17,357.4

4.55%

18,258.4

4.75%

18,023.8

4.59%

19,096.7

4.88%

19,156.2

4.88%

18,476.6

4.67%

18,217.5

4.60%

19,877.3

4.73%

18,150.2

4.19%

19,982.9

324.0

2.31%

374.2

2.02%

638.5

2.82%

611.9

2.82%

653.7

2.95%

626.3

2.75%

709.0

3.04%

741.6

3.10%

744.0

3.07%

822.6

3.34%

766.5

3.16%

754.7

3.04%

793.2

3.14%

907.0

3.40%

879.0

3.16%

902.6

542.8

2.50%

716.3

2.81%

1,421.4

4.51%

1,140.6

4.49%

1,198.2

4.68%

1,207.7

4.59%

1,292.2

5.00%

1,388.9

5.39%

1,413.9

5.49%

1,462.9

5.71%

1,434.2

5.67%

1,368.0

5.41%

1,505.9

5.88%

1,711.9

5.95%

1,605.7

5.32%

1,679.4

162.9

1.15%

379.4

2.70%

713.3

3.05%

484.3

3.38%

457.8

3.17%

421.9

2.90%

381.3

2.63%

410.1

2.83%

385.9

2.63%

380.9

2.59%

378.2

2.57%

350.8

2.40%

349.9

2.40%

550.4

2.63%

506.4

2.40%

563.7

727.4

2.75%

918.5

2.85%

1,408.2

3.73%

1,322.0

3.98%

1,416.8

4.19%

1,414.8

4.03%

1,586.2

4.49%

1,685.1

4.72%

1,609.1

4.37%

1,730.5

4.64%

1,668.3

4.49%

1,597.4

4.33%

1,651.0

4.47%

1,947.2

4.93%

1,798.9

4.32%

1,897.7

6.9

2.51%

6.3

1.80%

10.1

2.69%

8.5

3.02%

13.1

4.61%

13.8

5.01%

13.9

5.12%

14.7

5.24%

17.9

6.08%

18.2

5.92%

17.7

5.65%

16.6

5.45%

17.5

5.59%

17.8

5.23%

15.8

4.41%

16.2

29.8

1.45%

46.7

1.94%

68.3

1.76%

58.7

2.36%

67.8

2.65%

68.3

2.68%

70.7

2.61%

71.5

2.54%

71.7

2.44%

77.9

2.34%

75.3

2.24%

67.2

2.26%

69.2

2.39%

116.3

2.37%

104.3

2.03%

140.0

102.2

2.84%

76.3

1.76%

159.7

2.70%

124.2

2.51%

134.4

2.73%

142.7

2.84%

146.9

2.91%

142.7

2.73%

153.5

2.89%

155.5

2.87%

155.2

2.78%

156.8

2.81%

129.3

2.32%

155.7

2.25%

129.1

1.79%

132.0

1,006.4

3.61%

987.1

2.91%

1,644.0

3.60%

1,329.7

3.22%

1,406.6

3.35%

1,407.0

3.27%

1,471.5

3.37%

1,592.6

3.60%

1,552.6

3.44%

1,655.2

3.62%

2,110.3

4.53%

2,062.0

4.79%

1,872.5

4.63%

2,061.2

4.86%

1,838.2

4.32%

2,002.3

72.6

6.34%

69.5

3.25%

110.5

3.62%

118.1

3.97%

132.3

4.41%

133.5

4.34%

132.4

4.01%

133.1

3.96%

135.4

4.02%

142.7

4.35%

150.2

4.59%

136.0

4.24%

135.9

4.19%

143.6

4.07%

126.8

3.58%

144.3

8.5

2.05%

5.6

2.48%

6.1

4.36%

6.2

4.39%

6.1

4.43%

2.2

10.33%

3.1

9.12%

2.6

7.52%

2.6

8.32%

2.5

7.77%

2.6

8.66%

829.0
0.0

2.68%
0.00%

132.9
6.1

4.49%
2.33%

358.1
-

4.88%
0.00%

205.6
0.0

5.01%
0.25%

221.9
-

5.43%
0.00%

221.2
-

5.25%
0.00%

227.7
-

5.38%
0.00%

241.1
0.0

7.53%
0.24%

240.4
-

7.75%
0.00%

9.10%
0.00%

314.5
-

8.81%
0.00%

2.4

7.69%

2.3

7.82%

2.3

8.32%

33.5

8.67%

2.0

8.00%
-0.99%

383.7
-

9.10%
0.00%

316.9
-

6.88%
0.00%

378.5
-

Kegiatan yang belum jelas batasannya

Tidak teridentifikasi
NPL-gross Kredit UMKM

321.0
(0.0)

277.2
(0.0)

8.59%
-0.03%

257.1
(0.0)

4.31% Investment Credits

0.00% Unidentified
4.91% NPL-gross of MSMEs Credits
5.34% Agriculture, hunting and forestry
4.60% Fishery
11.33% Mining and Quarrying
4.08% Processing industry
4.94% Electricity, Gas & Water
8.93% Construction
4.72% Wholesale and retail trade
Provision of accommodation and the
3.26% provision of eating and drinking
Transportation, warehousing and
5.81% communication
2.69% Financial Intermediaries
Real estate, Business Ownership, and
4.68% Business Services
Government Administration, defense
4.66% and compulsory social security
2.79% Education services
1.86% Health services and social activities
Social services, social, cultural,
4.86% entertainment and other individual
Individual services with serve
4.12% households
International agencies and other
International extra intitutions
6.89%
Business activities are not clearly
8.40% defined
0.00% Unidentified

18,766.7

3.40%

21,448.1

3.35%

31,437.5

4.10%

29,740.4

4.32%

32,115.7

4.60%

31,579.7

4.38%

33,219.1

4.58%

34,952.3

4.77%

34,566.6

4.62%

36,654.3

4.88%

36,847.9

4.89%

35,643.6

4.73%

35,986.1

4.77%

40,348.1

4.99%

36,462.6

4.39%

39,714.5

4.91% NPL-gross of MSMEs Credits

Bank Persero

9,093.4

3.74%

10,361.7

3.40%

12,243.2

3.55%

13,441.9

4.04%

14,945.6

4.48%

14,609.5

4.29%

15,600.1

4.57%

16,522.4

4.78%

15,967.6

4.48%

16,711.8

4.75%

16,849.3

4.74%

15,975.6

4.43%

15,917.1

4.37%

15,688.5

4.23%

13,563.4

3.51%

15,141.3

Bank Swasta Nasional Devisa

4,376.3

2.13%

5,098.3

2.34%

9,560.3

3.54%

6,811.2

3.05%

7,324.9

3.17%

7,014.1

2.87%

7,365.6

2.97%

7,731.8

3.12%

7,776.0

3.11%

8,286.3

3.29%

8,617.5

3.42%

8,633.6

3.46%

8,578.0

3.47%

10,929.1

3.94%

10,920.4

3.82%

11,667.7

4.03% State Owned Banks

Foreign Exchange Private National
4.18% Banks
Non Foreign Exchange Private
3.97% National Banks

Bank Swasta Nasional Non Devisa

720.2

3.10%

834.2

3.03%

1,634.4

3.56%

1,127.7

3.71%

1,177.0

3.83%

1,104.6

3.54%

1,072.1

3.41%

1,096.3

3.44%

1,068.5

3.32%

1,115.6

3.47%

1,149.0

3.57%

1,029.2

3.19%

1,036.1

3.20%

1,834.7

3.85%

1,701.5

3.53%

1,833.8

2,612.2

5.79%

2,965.4

6.32%

5,261.7

9.86%

5,306.4

10.96%

5,452.1

11.08%

5,632.4

11.27%

5,920.6

11.64%

6,174.0

11.92%

6,087.5

11.48%

6,234.2

11.69%

5,891.4

11.55%

5,871.5

11.35%

6,477.0

12.27%

7,357.5

12.91%

6,208.0

11.38%

6,615.4

170.6

1.95%

253.6

2.23%

338.3

2.51%

364.4

2.71%

400.8

2.98%

387.2

2.82%

377.2

2.93%

412.8

3.13%

457.7

3.44%

491.7

3.62%

470.0

3.42%

842.7

5.75%

614.2

4.46%

808.1

5.93%

750.0

5.54%

747.9

5.58% Joint Venture Banks

37.8

5.31%

2.3

0.33%

2.2

0.05%

2.2

0.05%

2.2

0.05%

2.2

0.05%

2.2

0.05%

2.2

0.05%

149.5

2.57%

3.2

0.05%

23.5

0.39%

23.8

0.39%

48.0

0.79%

66.3

2.61%

64.9

3.86%

152.2

5.83% Foreign Owned Banks

BPR/BPRS
NPL-gross Kredit UMKM

1,756.2
18,766.7

6.80%
3.40%

1,932.6
21,448.1

6.31%
3.35%

2,409.5
31,449.7

6.74%
4.10%

2,686.7
29,740.4

7.56%
4.32%

2,813.2
32,115.7

7.79%
4.60%

2,829.9
31,579.7

7.76%
4.38%

2,881.4
33,219.1

7.81%
4.58%

3,012.9
34,952.3

8.04%
4.77%

3,059.7
34,566.6

8.08%
4.62%

3,811.4
36,654.3

8.93%
4.88%

3,847.2
36,847.9

8.99%
4.89%

3,267.1
35,643.6

8.63%
4.73%

3,315.8
35,986.1

8.75%
4.77%

3,663.8
40,348.1

9.16%
4.99%

3,254.4
36,462.6

8.10%
4.39%

3,556.3
39,714.5

8.94% Conventional/Islamic Rural Banks

4.91% NPL-gross of MSME's Credits

NPL-gross Kredit Non UMKM

NPL-gross Perbankan

36,579.3

1.64%

39,914.4

1.45%

51,634.9

1.71%

59,702.5

1.96%

61,217.8

1.99%

61,178.9

1.99%

63,300.9

2.04%

66,706.9

2.13%

68,032.8

2.13%

72,624.2

2.27%

75,914.0

2.33%

76,537.5

2.31%

74,009.5

2.26%

70,240.0

2.15%

69,334.7

2.07%

74,450.0

55,346.0

1.99%

61,362.5

1.81%

83,072.4

2.20%

89,442.9

2.39%

93,333.4

2.47%

92,758.6

2.45%

96,520.1

2.53%

101,659.2

2.63%

102,599.4

2.60%

109,278.5

2.76%

112,761.9

2.82%

112,181.0

2.76%

109,995.6

2.73%

110,588.1

2.71%

105,797.2

2.53%

114,164.5

2.26% NPL-gross of Non MSME's Credits

2.79% NPL-gross of Banking's

BPD
Bank Campuran
Bank Asing

Sumber data: Bank Indonesia (Departemen Pengembangan UMKM - DPUM), diolah dari Laporan Bulanan Bank Umum (LBU), Laporan Bulanan Bank Umum Sharia (LBUS)
dan Laporan Bulanan BPR/BPRS.
- Sejak November 2015, Data Kredit UMKM telah mencakup kredit yang disalurkan oleh Bank Umum Konvensional dan Syariah,
BPR, dan BPRS.

12.79% Regional Development Banks

1 Data source: Bank Indonesia ( SME Development Department - DPUM ) processed from Coventional Banks' Monthly Reports,
Islamic Banks' Monthly Reports, and Rural Banks/Rural Islamic Banks' Monthly Reports.
Since November 2015, MSMEs Credit Data are included Conventional and Islamic Commercial Banks, Conventional Rural Banks, and Islamic Rural Banks. -

PERKEMBANGAN NPL KREDIT USAHA MIKRO, USAHA KECIL, DAN USAHA MENENGAH (UMKM) PERBANKAN

NPL OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS 1

(Miliar / Billion Rp)
III.B

PERKEMBANGAN NPL KREDIT UMKM

NPL OF MSMEs CREDIT .III.A

2012
Total

Jawa Barat
Banten
DKI Jakarta Raya
D.I. Yogyakarta
Jawa Tengah
Jawa Timur
Bengkulu
Jambi
N. Aceh Darussalam
Sumatera Utara
Sumatera Barat
Riau
Sumatera Selatan
Kepulauan Riau
Bangka Belitung

2015

2013
%

Total

2014
%

Jan

Total

Total

Feb
%

Total

Mar

Apr

Mei

Total

Total

Total

Juni
%

Total

Juli
%

Total

Ags
%

Total

Sept
%

Total

Okt
%

Total

Nov
%

Total

2016
Jan

Des
%

Total

Non Performing Loan

Total

3,038.7

4.21%

3,586.6

4.26%

5,136.2

4.97%

4,805.1

5.39%

5,225.2

5.81%

5,042.0

5.46%

5,205.7

5.62%

5,420.7

5.79%

5,335.1

5.62%

5,812.1

6.03%

5,908.2

6.11%

5,610.1

5.92%

5,567.1

5.90%

6,237.7

5.94%

5,765.9

5.35%

6,081.4

5.75% West Java

733.7

3.73%

645.7

2.76%

906.7

3.16%

890.3

3.41%

940.7

3.56%

930.5

3.38%

972.4

3.49%

1,020.3

3.65%

1,007.0

3.51%

1,132.0

3.93%

1,191.8

4.08%

1,099.5

3.77%

1,084.2

3.73%

1,170.0

3.80%

1,045.5

3.22%

1,106.9

3.46% Banten

2,179.1

2.33%

3,977.1

3.28% DKI Jakarta Raya

1,792.1

1.87%

2,785.7

2.32%

2,150.7

2.10%

2,299.4

2.18%

2,296.2

2.10%

2,382.6

2.18%

2,637.7

2.41%

2,771.7

2.46%

2,830.4

2.48%

3,020.5

2.63%

3,310.0

2.87%

3,196.4

2.77%

3,767.5

3.05%

3,638.2

2.86%

263.1

3.44%

274.5

2.84%

407.2

3.35%

423.7

3.83%

458.8

4.13%

446.0

3.90%

479.7

4.14%

500.5

4.18%

506.6

4.17%

535.3

4.38%

534.4

4.34%

491.0

4.02%

482.1

3.93%

518.4

3.95%

448.2

3.32%

469.5

2,253.3

3.90%

2,525.4

3.59%

3,088.9

3.70%

3,257.5

4.20%

3,374.7

4.28%

3,375.4

4.14%

3,529.0

4.27%

3,638.4

4.36%

3,631.0

4.23%

3,887.7

4.53%

3,973.3

4.59%

3,792.0

4.39%

3,776.6

4.38%

4,013.8

4.33%

3,706.9

3.95%

4,107.9

4.45% Central Java

2,608.7

3.73%

2,859.0

3.39%

3,869.6

3.93%

3,822.3

4.27%

4,319.7

4.77%

3,973.3

4.22%

4,256.8

4.47%

4,446.3

4.62%

4,439.1

4.46%

4,654.0

4.64%

4,592.9

4.55%

4,467.6

4.44%

4,389.9

4.39%

4,786.9

4.52%

4,279.6

3.91%

4,590.9

4.31% East Java

100.5

2.71%

174.6

4.15%

256.9

5.03%

254.2

5.53%

269.7

5.81%

280.4

5.91%

282.5

5.92%

295.6

6.12%

296.0

6.02%

350.4

6.99%

349.1

6.95%

283.0

5.72%

288.7

5.73%

335.8

6.01%

321.5

5.45%

345.5

241.3

3.02%

313.9

3.51%

451.6

4.30%

410.9

4.32%

461.7

4.83%

447.1

4.48%

477.9

4.79%

512.3

5.06%

515.6

5.01%

543.3

5.31%

559.4

5.45%

534.8

5.21%

539.7

5.23%

596.2

5.31%

573.5

4.89%

627.9

720.7

11.04%

878.2

12.24%

983.6

11.57%

896.5

11.83%

967.0

12.63%

975.5

12.73%

1,019.0

13.10%

1,021.6

13.06%

951.6

11.97%

979.1

12.39%

974.5

12.25%

917.2

11.55%

916.2

11.39%

1,006.6

11.55%

896.4

9.86%

931.4

1,169.7

3.66%

1,443.8

3.85%

2,347.0

5.19%

2,035.8

4.91%

2,194.1

5.20%

2,144.0

4.96%

2,294.5

5.26%

2,378.7

5.38%

2,401.9

5.32%

2,494.6

5.60%

2,575.6

5.72%

2,648.6

5.73%

2,722.0

5.93%

3,206.4

6.50%

2,701.5

5.46%

3,080.9

6.34% North Sumatera

507.7

4.41%

652.7

5.17%

842.4

5.49%

842.8

6.08%

943.5

6.71%

903.3

6.35%

922.0

6.41%

975.2

6.75%

950.2

6.45%

1,034.7

7.07%

1,060.6

7.20%

997.9

6.90%

1,037.9

7.18%

1,155.1

7.63%

1,066.0

6.76%

1,169.2

7.56% West Sumatera

687.9

4.15%

884.5

4.82%

1,204.7

5.19%

1,127.1

5.30%

1,188.9

5.57%

1,212.4

5.57%

1,307.1

5.90%

1,380.9

6.23%

1,317.8

5.86%

1,416.4

6.39%

1,510.1

6.82%

1,432.9

6.39%

1,483.4

6.64%

1,632.8

7.43%

1,441.3

6.35%

1,579.4

7.18% Riau

344.9

2.26%

534.6

2.97%

1,189.4

5.35%

1,061.4

5.76%

1,117.3

6.11%

1,124.5

5.93%

1,158.6

6.13%

1,195.4

6.27%

1,143.9

5.84%

1,172.0

6.03%

1,145.1

5.87%

1,054.7

5.36%

1,058.0

5.29%

1,226.4

5.72%

1,128.0

5.04%

1,241.3

5.70% South Sumatera

191.1

2.91%

218.6

2.54%

349.4

3.97%

309.9

3.92%

346.3

4.26%

348.2

4.12%

409.0

4.77%

464.4

5.39%

435.8

5.01%

509.6

5.88%

495.6

5.73%

468.2

5.36%

440.1

5.10%

402.6

4.53%

340.4

3.69%

368.4

4.10% Riau Islands

40.7

1.54%

59.9

1.96%

136.1

3.85%

141.7

4.46%

174.2

6.10%

195.3

6.57%

215.9

7.26%

220.8

7.23%

216.4

6.83%

281.5

7.87%

276.8

7.62%

211.0

6.63%

201.3

6.40%

273.6

7.17%

267.2

6.69%

287.1

7.66% Bangka Belitung

Lampung
Kalimantan Selatan
Kalimantan Barat

438.7

4.00%

415.7

3.40%

638.7

4.51%

571.0

4.53%

596.1

4.63%

580.5

4.38%

602.3

4.57%

647.9

4.84%

639.0

4.69%

666.8

4.91%

671.4

4.94%

606.8

4.42%

601.9

4.43%

635.3

4.25%

581.2

3.75%

624.5

4.05% Lampung

230.6

2.79%

296.1

3.26%

570.6

4.87%

527.2

5.32%

565.1

5.66%

584.4

5.80%

619.8

6.12%

665.9

6.58%

665.5

6.65%

716.3

7.24%

720.1

7.24%

652.9

6.53%

662.0

6.55%

776.3

6.99%

680.1

5.95%

770.9

6.86% South Kalimantan

124.6

1.45%

202.6

1.86%

324.8

2.37%

325.5

2.57%

361.9

2.80%

352.9

2.66%

397.2

3.03%

434.9

3.29%

428.0

3.17%

461.5

3.44%

461.2

3.41%

446.1

3.25%

450.4

3.28%

592.1

4.07%

498.6

3.32%

558.4

3.90% West Kalimantan

Kalimantan Timur
Kalimantan Tengah
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Utara
Sulawesi Barat
Gorontalo
Sulawesi Tenggara
Nusa Tenggara Barat
Bali
Nusa Tenggara Timur
Maluku
Papua
Maluku Utara
Papua Barat
Bank Diluar Negeri
Tidak Teridentifikasi

527.8
74.8

3.03%
1.66%

562.7
112.0

2.79%
2.26%

1,346.3
159.2

6.17%
2.68%

1,230.6
145.8

6.38%
2.62%

1,307.2
183.0

6.74%
3.23%

1,352.9
175.3

6.69%
2.97%

1,429.4
174.1

7.10%
2.95%

1,568.7
193.8

7.75%
3.18%

1,460.3
178.1

7.13%
2.89%

1,515.7
192.9

7.44%
3.13%

1,603.7
208.6

7.84%
3.33%

1,601.6
180.0

7.78%
2.83%

1,709.3
183.0

8.30%
2.82%

1,803.2
211.8

8.08%
3.13%

1,675.1
181.2

7.27%
2.57%

1,874.4
210.8

172.5

3.07%

234.2

3.51%

264.0

3.48%

259.8

3.74%

290.3

4.04%

292.4

3.98%

313.8

4.28%

330.8

4.44%

315.3

4.19%

316.6

4.30%

328.0

4.41%

326.2

4.33%

342.7

4.58%

369.4

4.60%

327.8

4.02%

366.0

798.6
219.1
61.6
81.2
95.6

4.08%
3.70%
3.93%
4.43%
2.53%

1,082.2
253.9
81.8
140.6
159.7

4.55%
3.89%
4.31%
6.94%
3.48%

1,343.7
318.8
157.7
222.8
245.7

4.91%
4.29%
6.83%
9.07%
4.62%

1,391.1
333.6
155.9
217.3
249.0

5.41%
4.69%
7.28%
9.52%
4.99%

1,375.5
367.1
162.0
245.1
279.3

5.48%
5.08%
7.49%
10.54%
5.53%

1,368.9
378.3
160.8
236.7
280.9

5.35%
4.97%
7.06%
9.84%
5.51%

1,396.6
399.6
168.5
245.6
315.2

5.42%
5.35%
7.54%
10.03%
6.10%

1,455.3
439.4
159.6
248.1
330.5

5.60%
5.75%
7.01%
10.12%
6.32%

1,445.3
461.5
139.3
247.5
328.0

5.46%
5.95%
6.04%
9.89%
6.11%

1,491.6
489.2
140.9
248.4
317.5

5.65%
6.41%
6.09%
10.09%
6.01%

1,486.0
496.6
136.4
248.8
334.8

5.62%
6.55%
5.75%
10.00%
6.27%

1,437.3
494.7
120.1
244.0
315.0

5.45%
6.64%
4.98%
9.59%
5.80%

1,402.7
508.4
117.2
245.8
309.3

5.24%
6.79%
4.63%
9.60%
5.82%

1,508.9
526.8
110.1
256.3
341.7

5.22%
6.87%
4.23%
9.40%
6.06%

1,322.6
469.9
99.8
238.6
289.6

4.49%
5.85%
3.63%
8.47%
5.10%

1,446.2
521.6
105.1
248.7
322.2

5.02%
6.72%
3.81%
9.10%
5.67%

185.6

3.31%

187.9

2.75%

263.1

3.29%

254.8

3.53%

275.2

3.76%

274.9

3.70%

303.9

4.09%

315.3

4.23%

290.1

3.86%

314.2

4.24%

319.9

4.31%

302.9

4.08%

315.4

4.22%

386.1

4.60%

343.6

3.94%

375.9

4.36%

209.6

1.11%

246.8

1.06%

347.6

1.25%

352.8

1.29%

420.5

1.51%

452.2

1.57%

459.2

1.59%

482.0

1.64%

466.3

1.56%

532.0

1.77%

507.5

1.67%

511.3

1.67%

526.4

1.71%

532.5

1.71%

494.5

1.54%

599.1

100.9

2.98%

122.8

2.90%

159.7

2.92%

172.9

3.36%

183.2

3.46%

187.5

3.43%

209.9

3.83%

214.0

3.84%

238.8

4.07%

235.9

3.96%

248.4

4.11%

239.7

3.85%

239.7

3.85%

255.7

3.98%

196.2

3.04%

217.7

3.56%

92.0
104.3

5.08%
1.90%

87.3
182.0

4.31%
2.43%

83.7
580.6

3.66%
6.61%

85.3
569.3

3.99%
7.14%

96.8
616.6

4.37%
7.49%

95.6
623.8

4.17%
7.17%

104.2
673.9

4.45%
7.79%

105.6
725.0

4.50%
8.26%

104.7
718.4

4.34%
7.94%

107.2
746.7

4.49%
8.37%

115.2
384.9

4.74%
5.48%

102.4
359.1

4.19%
5.00%

101.7
678.1

4.13%
8.34%

103.5
963.0

4.10%
10.30%

87.8
864.5

3.50%
9.06%

97.8
890.0

3.98%
10.05%

53.1

3.98%

94.6

6.38%

85.3

5.85%

82.1

5.96%

91.3

6.54%

90.5

6.31%

86.4

6.01%

88.4

5.99%

85.7

5.63%

86.3

5.72%

86.2

5.57%

78.7

5.07%

78.7

5.11%

83.9

5.10%

78.8

4.59%

84.3

5.12%

52.3

2.07%

90.6

2.68%

329.8

8.44%

331.1

9.30%

355.8

9.89%

334.3

8.86%

341.1

8.96%

369.8

9.48%

366.2

9.02%

369.1

9.31%

242.3

7.67%

231.1

7.06%

255.9

7.23%

485.4

11.75%

338.5

8.29%

351.6

9.30%

0.8

0.22%

2.6

0.78%

6.3

2.58%

6.0

6.07%

2.7

2.72%

7.0

7.38%

7.8

8.47%

7.4

8.74%

5.5

7.36%

5.7

7.48%

11.4

18.22%

7.5

12.38%

4.8

7.59%

4.8

2.21%

4.4

2.09%

5.7

2.77%

61.8

5.99%

47.5

4.32%

45.8

3.80%

49.4

3.69%

59.8

3.98%

55.9

3.44%

58.1

3.36%

61.1

3.34%

63.5

3.29%

66.8

3.38%

68.2

3.41%

67.8

3.30%

69.2

3.34%

71.2

3.36%

69.2

3.23%

78.7

3.63%

18,766.7

3.40%

21,448.1

3.35%

31,449.7

4.10%

29,740.4

4.32%

32,115.7

4.60%

31,579.7

4.38%

33,219.1

4.58%

34,952.3

4.77%

34,566.6

4.62%

36,654.3

4.88%

36,847.9

4.89%

35,643.6

4.73%

35,986.1

4.77%

40,347.8

4.99%

36,462.3

4.39%

39,714.5

4.91%

Total Kredit UMKM Nasional

3.58% Yogyakarta

5.94% Bengkulu
5.47% Jambi
10.71% N. Aceh Darussalam

8.47% East Kalimantan

3.13% Central Kalimantan
4.77% Central Sulawesi

1.88%

South Sulawasi
North Sulawesi
West Sulawesi
Gorontalo
Southeast Sulawesi
West Nusa Tenggara
Bali
East Nusa Tenggara
Maluku
Papua
North Maluku
West Papua
Foreign Banks
Unidentified
Total of National's MSMEs
Credits