2011 Jan Stats

Statistik Perbankan Syariah
(Islamic Banking Statistics)
JANUARI
2011
JANUARY
i
KATA PENGANTAR FOREWORD
The Islamic Banking Statistics is a

Statistik Perbankan Syariah (SPS)
media publication that provides information
merupakan media publikasi yang menyediakan
regarding the Islamic Banking Industry in
informasi mengenai data perbankan syariah di
Indonesia. This monthly publication is
Indonesia. Statistik ini diterbitkan setiap bulan
published by the Directorate of Islamic Banking,
oleh Direktorat Perbankan Syariah - Bank
Bank Indonesia, to accomodate the needs of
Indonesia dan disusun untuk memenuhi
the stakeholders.
kebutuhan intern Bank Indonesia dan
In order to get a better understanding
kebutuhan pihak ekstern mengenai kegiatan
about the data presented in this publication,
perbankan syariah beserta perkembangannya.
we suggest that the readers go through the
Guna memberikan pemahaman yang
clarification, abbreviations and glossary.
tepat terhadap data yang disajikan, kami
We hope that this publication gives
sarankan agar pembaca terlebih dahulu
benefit to our readers.
memahami penjelasan, singkatan serta daftar
For questions or suggestions, kindly send email
istilah yang ada.
to: TimInformasiPerbankanSyariah@bi.go.id
Kami mengharapkan agar data yang
disajikan dapat memberikan manfaat yang
optimal bagi pembaca. Apabila pembaca ingin
menyampaikan pertanyaan atau masukan,
silakan menghubungi kami melalui email:
Directorate of Islamic Banking
TimInformasiPerbankanSyariah@bi.go.id
BANK INDONESIA
Direktorat Perbankan Syariah

BANK INDONESIA
i i
Statistik Perbankan Syariah (Islamic Banking Statistics), January 2011
DAFTAR ISI
DAFTAR ISI
CONTENTS
page
Kata Pengantar ……………………………………………………………………………………………………………………………. i
Foreword
Daftar Isi ………………………………………………………………………………………………………………………………………. ii
Contents
Penjelasan ……………………………………………………………………………………………………………………………………. v
Clarification
Daftar Singkatan …………………………………………………………………………………………………………………………… vi
Abbreviations
Daftar Istilah …………………………………………………………………………………………………………………………………. vii
Glossary
Tab. 1 Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ...…..…………………......... 1
Tab 2 Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)…… 2
Tab 3 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of
Islamic Rural Bank based on Location) ............................................................................. 3
Tab. 4 Layanan Syariah (Office Channeling) ................................................................................ 4
Tab. 5 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... 5
Tab. 6 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial
Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ 6
Tab. 7 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed
Balance Sheet) .................................................................................................................. 7
Tab. 8 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic
Commercial Bank dan Islamic Business Unit Condensed Income Statement) ................. 8
Tab. 9 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank
Condensed Income Statement)................................................................................. 9
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) ...................................................................................................... 10
Tab. 11 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of
Promotion, Education and Training - Islamic Rural Bank)................................................ 11
Tab. 12 Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance
Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)………...................... 12
Tab. 13 Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet
Account - Islamic Rural Bank )......................................................................................... 13
Tab. 14 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds
Composition of Islamic Commercial Bank and Islamic Business Unit) .............................. 14
Tab. 15 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of
Islamic Rural Bank) ......................................................................................................... 15
Tab. 16 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah
(Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)......... 16
Tab. 17 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment
in Securities of Islamic Commercial Bank and Islamic Business Unit) .............................. 17
Tab. 18 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ............ 18
ii
page
Tab. 19 Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing
Composition of Islamic Rural Bank) ................................................................................. 19
Tab. 20 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor
Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on
Economic Sector) .............................................................................................................. 20
Tab. 21 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Rural Bank based on Economic Sector) ……………………………………... 21
Tab. 22 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis
Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Type of Usage) ............................................................................................................. 22
Tab. 23 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Rural Bank based on Type of Usage)…………………………………………. 23
Tab. 24 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan
Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Type of Financing) …………………………………………………………………………………………………. 24
Tab. 25 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Financing of Islamic Rural Bank based on Type of Financing) ………................................ 25
Tab. 26 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas
Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Collectibility)………………………………………........................................................................ 26
Tab. 27 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility) ………………………......................... 27
Tab. 28 Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic
Business Unit based on Economic Sector) ……….........……………………................................ 28
Tab. 29 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor
Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic
Sector)……………………………………………………………………………………………………...................... 29
Tab. 30 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic
Business Unit based on Type of Usage) ............................................................................ 30
Tab. 31 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis
Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of
Usage) .............................................................................................................................. 31
Tab. 32 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and
Islamic Business Unit based on Type of Financing) …………………………………………….......… 32
Tab. 33 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan
Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of
Financing) ........................................................................................................................ 33
Tab. 34 Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of
Islamic Commercial Bank and Islamic Business Unit) ....................................................... 34
Tab. 35 Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural
Bank) ................................................................................................................................ 35
Tab. 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) ....................................................................................... 36
Tab. 37 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) ................. 37
Tab. 38 Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of
Islamic Commercial Bank and Islamic Business Unit)........................................................ 38
iii
Page
Tab. 39 Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural
Bank)................................................................................................................................. 39
Tab. 40 Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic
Rural Bank based on Total Assets) ................................................................................... 40
Tab. 41 Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)… 41
Tab. 42 Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA
Certificate) ........................................................................................................................ 42
Tab. 43 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)......................................................................... 43
Tab. 44 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)............................................................................................................................ 44
Tab. 45 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).......................................................................... 45
Tab. 46 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan
Propinsi (Financing of Islamic Rural Bank based on Economic Sector and
Province)............................................................................................................................ 46
Tab. 47 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)..................................................................... 47
Tab. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)... 48
Tab. 49 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic 49
Business Unit based on Type of Financing and Province)..................................................
Tab. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of
Financing and Province).................................................................................................... 50
Tab. 51 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)………………………………………………….................................................................. 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) ………………..........… 52
Grafik 2 Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and
Financing - Islamic Rural Bank) …….…………………………………………...................................... 53
Grafik 3 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 ) ………………………………………………………………….................................. 54
Grafik 4 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and
Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) ……......................... 55
Graph 5 Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic
Commercial Bank and Islamic Business Unit) ....…………………………………………….…………… 56
Grafik 6 Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 57
iv
Graph 7 Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds -
Islamic Commercial Bank and Islamic Business Unit)........................................................ 58
Grafik 8 Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic
Rural Bank)........................................................................................................................ 59
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).................... 60
Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and
NPF – Islamic Rural Bank)................................................................................................. 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).............. 62
Grafik 12 Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO,
ROA and ROE - Islamic Rural Bank)................................................................................... 63
v
PENJELASAN CLARIFICATION
1. Data yang digunakan dalam SPS bersumber 1. The data presented in the Islamic Banking
dari Laporan Bulanan Bank Umum Syariah Statistics is derived from the Islamic Bank and
(LBUS) dan Laporan Bulanan Bank Islamic Rural Bank Monthly Reports unless
Pembiayaan Rakyat Syariah (LapBul BPRS) mentioned otherwise.
kecuali dinyatakan lain. 2. Non Performing Financing data is shown as
2. Data Non Performing yang ditampilkan the gross non performing financing that is
merupakan Non Performing gross yaitu tanpa without taking into account the reserve
memperhitungkan penyisihan yang dibentuk formed in anticipation of the risk of losses.
untuk mengantisipasi risiko kerugian. 3. Data downloading process.
3. Proses download data. Data of the Islamic Bank and Islamic Rural
Data LBUS dan LapBul BPRS yang disampaikan Bank Monthly Report is submitted by
bank pelapor kepada Bank Indonesia diproses reporting banks to Bank Indonesia and is
pada server web LBUS dan LapBul BPRS. processed on the web server. The difference
Perbedaan waktu proses data LBUS dan in the processing time may result in variations
LapBul BPRS dapat menyebabkan perbedaan of the data published in this Islamic Banking
antara data yang dipublikasikan dalam SPS Statistics compared to other published data.
dengan publikasi yang lain. Oleh karena itu Therefore, readers are recommended to take
pembaca dihimbau memperhatikan waktu notice of the data processing time. The data
proses data. Pemrosesan data SPS bulan processing time of the January 2011 Islamic
Januari 2011 dilakukan pada tanggal 22 Banking Statistics is on February 22, 2011.
Februari 2011. 4. The Islamic Banking Statistics can be viewed
4. Publikasi buku Statistik Perbankan Syariah on Bank Indonesia website www.bi.go.id.
dapat dilihat melalui website Bank Indonesia

www.bi.go.id.
vi
DAFTAR SINGKATAN ABBREVIATIONS
UUS : Islamic Business Unit of a

UUS : Unit Usaha Syariah
Conventional Bank
BUS : Bank Umum Syariah
BUS : Islamic Commercial Bank
BPRS : Bank Pembiayaan Rakyat Syariah
BPRS : Islamic Rural Bank
PT : Perseroan Terbatas
PT : Limited Liabilities Company
BPD : Bank Pembangunan Daerah
BPD : Regional Government Bank
SWBI : Sertifikat Wadiah Bank Indonesia
SWBI : Wadiah Islamic Certificate of Bank
SBIS : Sertifikat Bank Indonesia Syariah
Indonesia
UKM : Usaha Kecil dan Menengah SBIS Islamic Certificate of Bank
:
PPAP : Penyisihan Penghapusan Aktiva Indonesia
Produktif UKM : Small and Medium Scale Enterprise
PUAS : Pasar Uang Antar Bank berdasarkan PPAP Allowances for Earning Assets
:
prinsip Syariah Losses
FDR : Financing to Deposit Ratio, yaitu PUAS Interbank Islamic Money Market
:
rasio pembiayaan terhadap dana
FDR : Financing to Deposit Ratio
pihak ketiga
NPF : Non Performing Financing
NPF : Non Performing Financing, yaitu
ROA : Return on Assets, that is the ratio of
rasio pembiayaan bermasalah
annualized earnings before taxes to
terhadap total pembiayan
average assets
ROA : Return on Assets, yaitu rasio laba
ROE : Return on Equity, that is the ratio of
sebelum pajak (disetahunkan)
annualized earnings after taxes to
terhadap total asset rata-rata
average equity
ROE : Return on Equity, yaitu rasio laba
BOPO : The ratio of Operational Expenses
setelah pajak (disetahunkan)
to Operational Revenue
terhadap total modal rata-rata
DPK : Depositor Funds
BOPO : Rasio Biaya Operasional terhadap
PYD : Financing
Pendapatan Operasional
DPK Dana Pihak Ketiga IDR : Indonesian Rupiah
:
PYD : Pembiayaan yang Diberikan
vii
DAFTAR ISTILAH
GLOSARY
Akad Wadiah : Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana
Wadiah Contract 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 : Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul maal)
Mudharaba Contract kepada pengelola dana (mudharib) untuk melakukan kegiatan usaha
tertentu yang sesuai syariah, dengan pembagian hasil usaha antara kedua
belah pihak berdasarkan nisbah yang telah disepakati sebelumnya.
A contract between a capital provider and an entrepreneur or a fund
manager, whereby the entrepreneur or fund manager can mobilize the
funds of the former for its business activity within the Sharia guidelines.
Profits made are shared between the parties according to a mutually
agreed ratio.
Akad Musyarakah : Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik dana
Musharaka Contract dan/atau barang untuk menjalankan usaha tertentu sesuai syariah dengan
pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang
disepakati, sedangkan pembagian kerugian berdasarkan proporsi modal
masing-masing.
A contract between two parties whereby both parties provide capital and
both may be active in managing the venture. Losses are shared on the basis
of how much capital has been contributed. Profits are shared in any way the
partners decide.
Akad Murabahah : Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar
Murabaha Contract harga perolehan barang ditambah dengan margin yang disepakati oleh para
pihak, dimana penjual menginformasikan terlebih dahulu harga perolehan
kepada pembeli.
The sale of goods at a price, which includes a profit margin agreed to by
both parties. The purchase and selling price, other costs, and the profit
margin must be clearly stated by the seller at the time of the sale
agreement.
viii
Akad Salam : Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara
Salam Contract pemesanan dengan syarat-syarat tertentu dan pembayaran tunai terlebih
dahulu secara penuh.
A contract in which the seller undertakes to supply some specific goods to
the buyer on a future date at a mutually agreed price fully paid at the time
of contract.
Akad Istishna’ : Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk
Istishna’ Contract pemesanan pembuatan barang dengan criteria dan persyaratan tertentu
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.
Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang

Akad Ijarah : dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan hak pakai
Ijara Contract atas obyek sewa dengan penyewa untuk mendapatkan imbalan atas obyek
sewa yang disewakan.
The selling of benefit or use or service for a fixed price or wage.
Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa

: imbalan dengan kewajiban pihak peminjam mengembalikan pokok
Akad Qardh pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.
Qardh Contract A loan in which the debtor is only required to repay the amount borrowed.
Indikasi tingkat imbalan dari suatu penanaman dana atau penghimpunan

dana bank pelapor.
Ekuivalen tingkat imbalan/ Indicative rate of return from Placement of Funds or Source of Funds of the
bagi hasil/fee/bonus reporting bank.
Equivalent rate of
return/profit
sharing/fee/bonus
ix
Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)
2010 2011
2005 2006 2007 2008 2009
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan
Bank Umum Syariah Islamic Commercial Bank
- Jumlah Bank 3 3 3 5 6 6 7 8 9 10 10 10 10 10 11 11 11 11 - Number of Banks
- Jumlah Kantor 304 349 401 581 711 820 852 934 918 970 33 1,113 1,111 1,151 1,154 1,171 1,215 1,242 - Number of Offices
Unit Usaha Syariah - Islamic Business Unit
Jumlah Bank Umum

Number of Conventional Banks that
- Konvensional yang memiliki 19 20 26 27 25 25 25 25 25 24 23 23 23 23 23 23 23 23 -
have Islamic Business Unit
UUS
- Jumlah Kantor 154 183 196 241 287 288 294 299 312 298 1,081 251 236 237 237 239 262 264 - Number of Offices
Bank Pembiayaan Rakyat Syariah - Islamic Rural Bank
- Jumlah Bank 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150 151 - Number of Banks
- Jumlah Kantor 92 105 185 202 225 262 265 266 271 271 221 23 277 278 278 283 286 290 - Number of Offices
Total Kantor 550 637 782 1,024 1,223 1,370 1,411 1,499 1,501 1,539 1,335 1,387 1,624 1,666 1,669 1,693 1,763 1,796 Total Number of Offices
1
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
Kelompok Bank KP/UUS KPO/KC KCP/UPS KK Group of Banks
HO/IBU HOO/BO SBO/SSU CO
Bank Umum Syariah 11 321 706 204 Islamic Commercial Bank
1 PT Ba nk Sya ri a h Mua ma l a t 1 75 58 114 1 PT Ba nk Sya ri a h Mua ma l a t Indones i a

2 Indones
PT Ba nk iSya
a ri a h Ma ndi ri 1 118 216 70 2 PT Ba nk Sya ri a h Ma ndi ri
3 PT Ba nk Sya ri a h Mega Indones i a 1 34 329 5 3 PT Ba nk Sya ri a h Mega Indones i a
4 PT Ba nk Sya ri a h BRI 1 36 52 8 4 PT Ba nk Sya ri a h BRI
5 PT Ba nk Sya ri a h Bukopi n 1 8 5 - 5 PT Ba nk Sya ri a h Bukopi n
6 PT Ba nk Pa ni n Sya ri a h 1 4 - - 6 PT Ba nk Pa ni n Sya ri a h
7 PT Ba nk Vi ctori a Sya ri a h 1 6 2 - 7 PT Ba nk Vi ctori a Sya ri a h
8 PT BCA Sya ri a h 1 5 3 7 8 PT BCA Sya ri a h
9 PT Ba nk Ja ba r da n Ba nten 1 6 13 - 9 PT Ba nk Ja ba r da n Ba nten
10 PT Ba nk Sya ri a h BNI 1 28 28 - 10 PT Ba nk Sya ri a h BNI
11 PT Ma yba nk Indones i a Sya ri a h 1 1 - - 11 PT Ma yba nk Indones i a Sya ri a h
Unit Usaha Syariah
23 105 90 46 Islamic Business Unit
12 PT Ba nk Da na mon 1 8 3 - 12 PT Ba nk Da na mon
13 PT Ba nk Perma ta 1 10 11 - 13 PT Ba nk Perma ta
14 PT Ba nk Interna s i ona l Indones i a 1 5 20 - 14 PT Ba nk Interna s i ona l Indones i a (BII)
15 PT CIMB Ni a ga 1 22 5 - 15 PT CIMB Ni a ga
16 HSBC, Ltd. 1 5 - - 16 HSBC, Ltd.
17 PT Ba nk DKI 1 2 - - 17 PT Ba nk DKI
18 BPD DIY 1 1 - - 18 BPD DIY
19 BPD Ja wa Tenga h (Ja teng) 1 2 - 2 19 BPD Ja wa Tenga h (Ja teng)
20 BPD Ja wa Ti mur (Ja ti m) 1 1 3 37 20 BPD Ja wa Ti mur (Ja ti m)
21 BPD Ba nda Aceh 1 2 9 - 21 BPD Ba nda Aceh
22 BPD Suma tera Uta ra (Sumut) 1 4 1 - 22 BPD Suma tera Uta ra (Sumut)
23 BPD Suma tera Ba ra t (Sumba r) 1 2 2 1 23 BPD Suma tera Ba ra t (Sumba r)
24 BPD Ri a u 1 2 3 1 24 BPD Ri a u
25 BPD Suma tera Sel a ta n (Sums el ) 1 3 - 2 25 BPD Suma tera Sel a ta n (Sums el )
26 BPD Ka l i ma nta n Sel a ta n (Ka l s el ) 1 2 - - 26 BPD Ka l i ma nta n Sel a ta n (Ka l s el )
27 BPD Ka l i ma nta n Ba ra t (Ka l ba r) 1 1 - - 27 BPD Ka l i ma nta n Ba ra t (Ka l ba r)
28 BPD Ka l i ma nta n Ti mur (Ka l ti m) 1 2 7 2 28 BPD Ka l i ma nta n Ti mur (Ka l ti m)
29 BPD Sul a wes i Sel a ta n (Sul s el ) 1 3 1 - 29 BPD Sul a wes i Sel a ta n (Sul s el )
30 BPD Nus a Tengga ra Ba ra t (NTB) 1 1 - - 30 BPD Nus a Tengga ra Ba ra t (NTB)
31 PT BTN 1 20 5 - 31 PT BTN
32 PT Ba nk Ta bunga n Pens i una n 1 3 20 - 32 PT Ba nk Ta bunga n Pens i una n
33 Na OCBC
PT s i onaNISP
l (BTPN) 1 3 - - 33 Na OCBC
PT s i onaNISP
l (BTPN)
34 PT Ba nk Si na rma s 1 1 - 1 34 PT Ba nk Si na rma s
Bank Pembiayaan Rakyat Syariah 151 27 - 112 Islamic Rural Bank

TOTAL 185 453 796 362 TOTAL
Keterangan: No te:
- KP = Kanto r P usat - HO = Head Office
- UUS = Unit Usaha Syariah - IB U = Islamic B anking Unit
- KP O = Kanto r P usat Operasio nal - HOO = Head Operatio nal Office
- KC = Kanto r Cabang - B O = B ranch Office
- KCP /UP S = Kanto r Cabang P embantu/ Unit P elayanan Syariah - SB O/SSU = Sub B ranch Office/Syari’ a Services Unit
- KK = Kanto r Kas - CO = Cash Office
- Tidak termasuk Layanan Syariah - No t Include Office Channeling
2
Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

(Number of Islamic Rural Bank based on Location)
2010 2011
Provinsi 2005 2006 2007 2008 2009 Province
1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 27 27 27 27 28 28 1 West java

2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 2 Banten
3 DKI Jakarta 0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 3 DKI Jakarta
4 D.I. Yogyakarta 2 3 6 9 9 9 10 10 10 10 10 10 10 10 10 10 10 10 4 D.I. Yogyakarta
5 Jawa Tengah 8 11 13 15 19 19 19 19 19 19 20 20 20 20 21 21 21 21 5 Central Java
6 Jawa Timur 12 17 19 23 25 25 26 26 27 27 27 27 27 27 28 29 29 29 6 East Java
7 Bengkulu 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 7 Bengkulu
8 Jambi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 Jambi
9 Nanggroe Aceh Darussalam 5 5 5 6 7 8 8 9 9 9 9 10 10 10 10 10 10 10 9 Nanggroe Aceh Darussalam
10 Sumatera Utara 6 6 7 7 7 8 8 8 8 8 8 8 8 8 8 8 8 8 10 North Sumatera
11 Sumatera Barat 3 4 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 11 West Sumatera
12 Riau 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 12 Riau
13 Sumatera Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 13 South Sumatera
14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 14 Bangka Belitung
15 Kepulauan Riau 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 15 Riau Islands
16 Lampung 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 5 6 16 Lampung
17 Kalimantan Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 17 South Kalimantan
18 Kalimantan Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 West Kalimantan
19 Kalimantan Timur 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 19 East Kalimantan
20 Kalimantan Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 Central Kalimantan
21 Sulawesi Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 Central Sulawesi
22 Sulawesi Selatan 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 22 South Sulawesi
23 Sulawesi Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 North Sulawesi
24 Gorontalo 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 Gorontalo
25 Sulawesi Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 West Sulawesi
26 Sulawesi Tenggara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 East West Sulawesi
27 Nusa Tenggara Barat 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 27 West Nusa Tenggara
28 Bali 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 28 Bali
29 Nusa Tenggara Timur 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 East Nusa Tenggara
30 Maluku 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 Maluku
31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 31 Papua
32 Irian Jaya Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 West Irian Jaya
33 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 North Maluku
Total 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150 151 Total
3
Tabel 4. Layanan Syariah (Office Channeling)
2010 2011
2005 2006 2007 2008 2009
1 UUS Bank Danamon 0 7 70 70 80 137 137 137 137 137 137 137 137 137 137 137 137 137 1 UUS Bank Danamon
2 UUS Bank Permata 0 212 184 186 192 192 192 192 192 192 192 192 192 192 192 192 192 192 2 UUS Bank Permata
3 UUS BII 0 4 8 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 3 UUS BII
4 UUS Bank Tabungan Negara 0 27 36 64 116 116 116 116 116 116 116 116 116 116 116 116 116 116 4 UUS Bank Tabungan Negara
5 UUS CIMB Niaga 0 43 63 143 505 507 500 500 500 522 522 522 522 522 522 522 522 522 5 UUS CIMB Niaga
6 UUS BTPN 0 0 0 8 12 12 12 12 12 12 12 12 12 12 12 12 12 12 6 UUS BTPN
7 UUS HSBC 0 0 7 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 7 UUS HSBC
8 UUS BPD DKI 0 10 21 33 34 34 34 34 34 34 34 34 34 34 34 34 34 34 8 UUS BPD DKI
9 UUS BPD Banda Aceh 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 UUS BPD Banda Aceh
10 UUS BPD Sumut 0 0 63 76 84 84 84 84 84 84 84 84 84 84 84 84 84 84 10 UUS BPD Sumut
11 UUS BPD Riau 0 0 8 33 37 37 37 37 37 37 37 37 37 37 37 37 37 37 11 UUS BPD Riau
12 UUS BPD Sumbar 0 0 - 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 12 UUS BPD Sumbar
13 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 13 UUS BPD Sumsel
14 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14 UUS BPD Jateng
15 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 UUS BPD DIY
16 UUS BPD Jatim 0 0 0 0 37 37 37 37 37 37 37 37 37 37 37 37 37 37 16 UUS BPD Jatim
17 UUS BPD Kalsel 0 0 10 10 15 15 15 15 15 15 15 15 15 15 15 15 15 15 17 UUS BPD Kalsel
18 UUS BPD Kalbar 0 0 0 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 18 UUS BPD Kalbar
19 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 19 UUS BPD Kaltim
20 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 UUS BPD Sulsel
21 UUS BPD Nusa Tenggara Barat 0 0 1 10 11 11 11 11 11 11 11 11 11 11 11 11 11 11 21 UUS BPD Nusa Tenggara Barat
22 UUS OCBC NISP 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 UUS OCBC NISP
23 UUS Bank Sinarmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 UUS Bank Sinarmas
24 UUS BNI 0 136 636 640 641 641 641 641 641 641 24 UUS BNI
25 UUS BPD Jabar dan Banten 0 9 9 28 28 28 28 28 28 25 UUS BPD Jabar dan Banten
26 UUS BEI 0 0 0 0 26 UUS BEI
27 UUS Bukopin 0 7 27 29 27 UUS Bukopin
28 UUS IFI 0 1 1 1 28 UUS IFI
29 UUS BRI 0 0 0 0 29 UUS BRI
30 UUS Lippo 0 0 0 30 UUS Lippo
4
Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)
2010 2011
2005 2006 2007 2008 2009
Bank Umum Syariah 3,523 3,913 4,311 6,609 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828 14,708 14,858 15,224 15,748 Islamic Commercial Bank
Unit Usaha Syariah 1,436 1,797 2,266 2,562 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752 1,783 1,780 1,868 1,834 Islamic Business Unit
Bank Pembiayaan Rakyat Syariah 1,037 1,666 2,108 2,581 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068 3,111 3,086 3,172 3,172 Islamic Rural Bank
5
Miliar Rupiah (in Billion IDR )
Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)
2010 2011
2005 2006 2007 2008 2009
1 Kas 226 346 488 759 1,017 996 941 975 935 1,046 1,161 1,199 1,405 1,803 1,310 1,484 1,453 1,479 Cash
2 Penempatan pada Bank Indonesia 3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 13,430 Deposit in Bank Indonesia
3 Penempatan pada Bank Lain 1,058 991 1,667 1,978 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609 3,640 4,001 4,138 3,580 Placement in Other Bank
4 Surat Berharga yang Dimiliki 730 829 1,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 5,801 Investment in Securities
5 Pembiayaan 15,270 20,445 27,944 38,199 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Financing
6 Tagihan Lainnya 21 15 182 136 171 173 208 187 213 185 229 263 251 460 236 256 351 342 Billing and Acceptable Liabilities
7 Aktiva Istishna dalam Penyelesaian 2 31 9 32 24 24 24 28 30 13 13 14 14 14 14 14 14 15 Istishna Assets in Progress
8 Penyisihan Penyusutan A.P 307 515 785 1,148 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226 2,236 2,243 2,069 2,139 Allowances for earning assets
losses
9 Penyertaan 6 6 41 79 83 83 83 83 83 88 88 88 88 88 88 88 88 88 Investment in other entities
10 Aktiva Tetap dan inventaris 236 270 296 436 672 675 677 683 712 737 748 774 783 790 816 838 899 916 Fixed Assets and Equipment
11 Antar kantor Aktiva 5,487 8,178 14,261 24,882 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969 44,282 45,677 49,707 48,546 Inter - Office Assets
12 Rupa-rupa Aktiva 495 621 743 1,200 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118 2,134 2,249 2,338 2,480 Other assets
TOTAL AKTIVA* 20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 95,743 TOTAL AKTIVA*
PASIVA PASIVA
1 Dana Pihak Ketiga 15,593 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912 66,478 69,086 76,036 75,814 Depositor Funds
2 Kewajiban kepada Bank Indonesia 32 32 32 68 6 6 6 5 5 5 5 4 4 4 4 3 3 3 Liabilities to Bank Indonesia
3 Kewajiban kepada Bank Lain 980 874 1,951 2,419 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765 4,016 4,642 4,924 3,963 Liabilities to other Bank
4 Surat Berharga yang Diterbitkan 265 268 350 311 340 340 340 395 340 340 340 340 340 340 340 325 325 440 Securities
5 Pinjaman Diterima 204 181 155 150 512 512 512 506 308 307 299 298 298 290 289 287 483 482 Received Borrowing
6 Kewajiban lainnya 210 285 473 727 845 819 960 983 1,072 960 1,020 1,033 929 989 1,020 1,109 1,321 1,350 Other Liabilities
7 Pinjaman Subordinasi - - - - 50 50 50 50 50 50 50 50 50 50 50 50 50 50 Subordinated Loan
8 Antar Kantor Pasiva 7,459 10,544 17,428 30,283 37,601 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789 48,640 51,051 54,555 52,615 Inter -Office Liabilities
9 Rupa-rupa Pasiva 185 218 260 463 582 618 669 713 614 592 636 686 687 758 808 850 965 986 Other Liabilities
10 Modal disetor 951 991 1,017 1,752 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092 5,911 5,911 5,965 5,965 Paid-in capital
11 Tambahan modal disetor 132 142 132 466 468 135 135 135 689 689 689 1,073 1,073 573 572 572 516 516 Additional paid-in capital
12 Selisih Penilaian kembali Aktiva Tetap - - - 13 - 3 3 3 3 3 8 9 14 19 11 11 12 3 Different appraisal Fixed Asset
13 Cadangan 230 268 275 335 449 449 449 449 465 439 434 464 464 464 490 490 491 491 Reserves
a. Cadangan Umum 230 268 275 335 449 449 449 449 465 439 434 464 464 464 490 490 491 491 General Reserves
b. Cadangan Tujuan - - - - - - - - - - - - - - - - - - Special Purpose Reserves
14 Laba - Net Income
a. Tahun-tahun lalu (76) 27 149 152 315 959 959 907 824 753 733 527 527 527 527 527 527 1,438 Previous years
b. Tahun berjalan 238 355 540 432 791 83 179 328 425 301 506 604 680 852 978 1,112 1,051 148 Current year
TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 95,743 TOTAL PASIVA*
* Net
6
Juta Rupiah (in Million IDR)

Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)
2010 2011
2005 2006 2007 2008 2009
1 Kas 11,723 19,341 25,090 25,150 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047 36,983 37,714 30,760 35,628 Cash
2 Penempatan pada Bank Lain 102,597 185,208 232,589 334,050 407,663 415,102 380,181 369,360 364,523 356,863 354,453 377,388 323,802 392,204 427,857 423,871 525,332 529,783 Placement in Other Bank
3 Pembiayaan 417,282 615,469 890,709 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Financing
4 Tagihan Lainnya - - - - - - - - - - - - - - - - - - Billing and Acceptable Liabilities
5 Aktiva Istishna dalam Penyelesaian 15,119 - - (464) 350 350 350 350 350 350 350 350 313 313 - - - - Istishna Assets in Progress
6 Penyisihan Penyusutan A.P 7,901 11,994 17,491 35,339 32,413 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,373 42,322 42,627 39,172 39,964 Allowances for earning assets
losses
7 Aktiva Tetap dan inventaris 16,965 21,328 28,273 40,499 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,116 59,436 59,234 59,652 63,864 Fixed Assets and Equipment
8 Rupa-rupa Aktiva 25,788 52,873 48,921 62,327 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,831 81,684 81,435 84,118 85,855 Other assets
TOTAL AKTIVA* 585,467 896,017 1,215,916 1,693,332 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 2,776,932
PASIVA PASIVA
1 Dana Pihak Ketiga 340,892 521,152 717,858 975,815 1,250,603 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768 1,531,242 1,517,715 1,603,778 1,640,651 Depositor Funds
2 Kewajiban kepada Bank Lain 37,110 97,561 175,803 271,481 353,068 348,109 350,059 377,113 391,543 404,192 441,299 467,608 464,200 489,733 493,333 502,583 520,882 522,481 Liabilities to other Bank
3 Pinjaman Diterima 37,574 39,757 51,544 68,268 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385 55,027 53,840 52,170 50,608 Received Borrowing
4 Kewajiban lainnya 8,992 8,808 10,912 19,545 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,477 18,500 17,937 18,802 19,729 Other Liabilities
5 Pinjaman Subordinasi 3 3 3 3 353 453 803 903 903 253 350 350 350 350 650 650 650 650 Subordinated Loan
6 Rupa-rupa Pasiva 12,212 16,717 24,989 35,861 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,739 50,969 51,311 54,921 50,812 Other Liabilities
7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 293,259 296,323 294,904 298,964 310,589 315,472 329,211 327,137 333,146 336,877 334,024 347,000 346,883 Paid-in capital
8 Tambahan modal disetor 7,175 15,523 17,610 54,605 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,118 46,135 44,921 47,448 47,425 Additional paid-in capital
9 Selisih Penilaian kembali Aktiva Tetap - - - - - - - - - - - - - - - - - - Different Appraisal Fixed Asset
10 Cadangan 9,345 16,833 20,684 28,338 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,205 42,987 42,508 41,615 41,934 Reserves
a. Cadangan Umum 4,856 10,301 11,650 16,638 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,955 30,989 30,676 30,096 30,417 General Reserves
b. Cadangan Tujuan 4,489 6,533 9,034 11,699 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,250 11,997 11,832 11,519 11,517 Special Purpose Reserves
11 Laba - Net Income
a. Tahun-tahun lalu (6,610) (5,705) (8,639) (14,501) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414) (25,455) (25,440) (24,640) 41,756 Previous years
b. Tahun berjalan 16,499 20,966 27,064 29,787 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,639 62,662 69,306 70,243 7,470 Current year
TOTAL PASIVA* 585,467 896,017 1,215,916 1,693,332 1,962,225 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 2,776,932 TOTAL PASIVA*
* Net
7
Miliar Rupiah (in Billion IDR)
Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )
2010 2011
2005 2006 2007 2008 2009
A. Pendapatan A. Revenue
1 Pendapatan Operasional 2,177 3,085 3,795 5,093 6,620 631 1,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143 6,962 7,956 8,757 907 1 Operating Revenue
2 194 288 406 632 1,551 234 225 330 452 526 585 660 756 844 983 1,103 1,252 155 2 Other operating Revenue
Lainnya
3 Pendapatan non operasional 565 838 1,260 2,061 3,500 308 609 951 1,296 1,608 2,077 2,341 2,734 3,131 3,537 3,984 4,371 440 3 Non operating Revenue
Bagi hasil investasi tidak Profit Sharing for Unrestricted
4 925 1,306 1,468 1,938 2,697 253 484 745 1,002 1,249 1,411 1,687 1,967 2,271 2,588 2,927 3,261 357 4
terikat Investment -/-
Total pendapatan 2,012 2,905 3,993 5,848 8,975 920 1,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847 8,894 10,115 11,119 1,146 Total Revenue
B. Beban B. Expenses
1 Beban operasional 939 1,324 1,774 2,603 3,135 466 662 955 1,305 1,832 1,895 2,268 2,664 3,059 3,479 3,917 4,472 459 1 Operating Expenses
2 Beban operasional lainnya 202 263 317 492 1,485 53 124 206 282 350 417 491 584 671 750 847 963 76 2 Other Operating Expenses
3 Beban non operasional 573 904 1,273 2,147 3,523 308 610 951 1,295 1,609 2,076 2,344 2,741 3,142 3,548 4,074 4,383 431 3 Non Operating Expenses
Total Beban 1,714 2,491 3,365 5,242 8,143 827 1,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872 7,777 8,838 9,818 965 Total Expenses
C. Laba tahun berjalan 298 414 628 605 832 93 199 361 471 361 580 696 786 975 1,117 1,277 1,301 181 C. Income
Penambahan/pengurangan
D. 16 25 33 78 (73) 0 0 0 0 0 0 0 2 2 2 2 108 0 D. Additional/Reduction
Laba tahun berjalan
Laba tahun berjalan sebelum
E. 282 389 595 528 904 93 199 361 471 361 580 695 784 973 1,115 1,275 1,193 181 E. Net Income before Tax
pajak
F. Taksiran pajak penghasilan -/- 44 34 55 92 135 10 20 33 46 60 74 92 108 125 141 167 165 32 F. Tax Expense -/-
Laba setelah taksiran pajak
G. 238 355 540 432 791 83 179 328 425 301 506 604 680 852 978 1,112 1,051 148 G. Net Income
penghasilan
8
Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )
2010 2011
2005 2006 2007 2008 2009
A. Pendapatan A. Revenue
1 Pendapatan Operasional 97,275 154,633 203,063 293,964 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965 396,026 419,771 484,935 42,209 1 Operating Revenue
2 9,629 15,945 22,927 32,883 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972 43,920 48,642 55,639 5,013 2 Other operating Revenue
Lainnya
3 Pendapatan non operasional 1,249 3,676 6,159 6,714 8,085 376 721 1,237 1,732 2,335 2,981 3,583 4,117 5,300 10,850 11,414 12,528 875 3 Non operating Revenue
Bagi hasil investasi tidak Profit Sharing for

4 33,430 49,949 77,246 108,154 138,769 12,991 26,052 39,794 54,246 69,208 84,076 99,240 113,894 130,010 147,580 162,459 180,257 17,109 4
terikat -/- Unrestricted Investment -/-
Total pendapatan 88,894 142,364 186,295 267,795 347,193 30,165 61,981 94,854 129,179 165,762 201,396 239,196 271,987 315,293 362,956 382,543 441,823 38,071 Total Revenue
B. Beban B. Expenses
1 Beban operasional 49,378 82,315 105,458 162,045 194,209 15,926 34,023 51,838 68,801 87,964 106,966 128,157 148,417 172,254 195,619 214,574 245,534 20,508 1 Operating Expenses
2 Beban operasional lainnya 2,518 10,217 8,455 14,767 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588 28,620 15,914 35,795 1,501 2 Other Operating Expenses
3 Beban non operasional 1,378 3,310 6,797 8,214 8,565 765 1,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956 6,469 6,935 7,611 445 3 Non Operating Expenses
Total Beban 53,274 95,842 120,709 185,027 227,368 18,556 40,371 61,244 80,598 103,651 125,482 150,567 174,196 200,799 230,708 237,424 288,940 22,455 Total Expenses
C. Laba tahun berjalan 21,449 27,407 34,193 40,381 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420 72,193 79,945 83,905 8,493 C. Income
Penambahan/pengurangan
D. 180 300 372 626 967 78 187 191 268 338 405 509 606 664 722 816 1,286 75 D. Additional/Reduction
Laba tahun berjalan
Laba tahun berjalan sebelum
E. 21,269 27,107 33,821 39,755 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755 71,471 79,128 82,619 8,418 E. Net Income before Tax
pajak
F. Taksiran pajak penghasilan -/- 4,770 6,224 7,013 9,976 11,495 874 1,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128 9,125 9,823 12,375 989 F. Tax Expense -/-
Laba setelah taksiran pajak
G. 16,499 20,883 26,809 29,787 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635 62,662 69,306 70,243 7,470 G. Net Income
penghasilan
9
Tabel 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)
2010 2011
2005 2006 2007 2008 2009
1 Biaya promosi 67 90 135 180 154 9 16 25 39 54 65 83 106 131 159 193 236 14 1 Cost of promotion
Biaya pendidikan dan

2 20 19 19 32 45 4 7 12 17 22 29 37 41 45 48 52 60 3 2 Cost of education and training
pelatihan
Total 87 109 153 212 200 12 23 37 56 75 93 120 147 176 207 245 296 17 Total
10
Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah
(Cost of Promotion, Education and Training - Islamic Rural Bank)
2010 2011
2005 2006 2007 2008 2009
1 Biaya promosi 826 1,300 2,284 4,178 4,826 269 629 949 1,390 1,844 2,353 2,877 3,474 4,224 4,823 5,381 6,433 428 1 Cost of promotion
Biaya pendidikan dan

2 686 1,649 1,889 2,727 3,622 382 675 993 1,357 1,713 2,255 2,688 2,976 3,383 3,862 4,097 4,710 437 2 Cost of education and training
pelatihan
Total 1,512 2,949 4,173 6,905 8,448 651 1,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607 8,685 9,478 11,143 865 Total
11

Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah
(Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit)
2010 2011
2005 2006 2007 2008 2009
Tagihan Komitmen Claim comintment

- Fasilitas pinjaman yang belum ditarik - - - - - - - - - - - - - - - 169 179 204 - Not yet withdrawn financing facilities
- Posisi pembelian spot yang masih berjalan 2 1 17 - - 3 - - - - 2 - - - - - - - - Spot purchases
- Posisi pembelian forward yang masih berjalan - - - - - - - - - - - - - - - - - - - Forward purchases
- Lainnya - 2 1 91 45 83 175 176 164 168 64 52 36 37 42 94 133 127 - Others
Kewajiban Komitmen - Liabilities commitment
Qardh facililies that are not yet
- Fasilitas piutang qardh yang belum ditarik 1 1 2 14 5 8 2 6 11 9 9 11 10 7 6 6 8 7 -
withdrawn
Fasilitas pembiayaan kepada nasabah yang belum Financing facililies that are not yet
- 246 444 613 1,612 1,502 1,818 1,909 1,996 2,262 2,014 2,126 2,189 2,499 2,641 2,656 2,619 2,755 2,628 -
ditarik withdrawn
Fasilitas pembiayaan kepada bank syariah lain
- 7 0 4 8 15 12 12 12 29 29 27 14 42 45 32 25 25 20 - Other bank financing facilities
yang belum ditarik
- Irrevocable L/C yang masih berjalan 33 167 66 141 146 169 244 243 230 96 123 87 175 175 85 142 178 181 - Irrevocable L/Cs
- Posisi penjualan spot yang masih berjalan 2 4 - - - - - - - - - - - - - - - - - Spot sales
- Posisi penjualan forward yang masih berjalan - - - - - - - - - - - - - - - - - - - Forward sales
- Lainnya 0 32 0 33 6 13 12 11 7 5 10 4 4 5 6 32 33 20 - Others
Tagihan Komitmen Claim Contingency
- Garansi (Kafalah) yang diterima 0 0 10 0 3 1 3 3 3 3 3 2 2 2 2 55 61 61 - Kafalah guarantees received
- Pendapatan yang akan diterima 16 33 53 22,588 82 61 70 81 80 96 84 81 80 131,012 97 226 220 235 - Income will be received
- Lainnya 14 1 1 78 1 0 1 0 0 0 0 0 3 6 0 4 0 0 - Others
Kewajiban Komimen - Liabilities Contingency
- Garansi (Kafalah) yang diberikan 151 223 390 838 968 1,038 947 926 979 879 926 909 937 945 987 984 993 997 - Guarantees issued
- Lainnya 2 2 3 - 2 2 1 1 1 1 1 0 0 0 4 4 0 0 - Others
Lainnya - Others
- Aktiva produktif yang dihapusbuku 116 208 336 648 1,684 1,363 1,359 1,353 1,427 1,461 1,476 1,698 1,649 1,652 1,643 1,815 1,864 1,941 - Written off earning assets
- Penerusan dana mudharabah muqayyadah 194 316 362 429 349 347 350 351 349 351 357 362 365 369 380 387 445 356 - Channeling of mudharabh muqayaydah
12
Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah

(Off Balance Sheet Account - Islamic Rural Bank)
2010 2011
2005 2006 2007 2008 2009
Tagihan Komitmen Claim comintment

- Fasilitas pinjaman yang belum ditarik 512 4,789 1,945 29,607 12,013 13,849 24,095 16,026 7,403 7,372 25,827 23,953 26,471 24,271 24,350 23,953 22,584 21,853 - Not yet withdrawn financing facilities
- Lainnya - 843 2,478 4 2 2 3,947 2 2 2 2 2 2 2 2 2 2 2 - Others
Kewajiban Komitmen - Liabilities commitment
Fasilitas pembiayaan kepada nasabah yang belum Financing facililies that are not yet
- 6,246 4,395 6,420 5,770 6,617 6,726 5,739 7,114 7,141 7,277 7,298 7,644 7,569 6,439 6,458 7,038 6,957 6,514 -
ditarik withdrawn
Fasilitas pembiayaan kepada bank syariah lain
- - - - - - - - - - - - - 390 - 294 17,551 17,644 11,474 - Other bank financing facilities
yang belum ditarik
Lainnya 202 9 - 2244 9 9 44 44 44 9 9,368 9 9 - 9 9 128 - Others
Tagihan Komitmen - Claim Contingency
- Garansi (Kafalah) yang diterima - - - - - - - - - - - - - - - - - - - Kafalah guarantees received
- Pendapatan yang akan diterima 4,784 43,072 9,140 12,151 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 17,606 18,350 21,126 17,942 18,618 - Income will be received
Lainnya 2,550 1,450 1,136 1,165 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 2,438 2,106 2,452 4,205 3,741 - Others
Aktiva produktif yang dihapusbuku 7,489 12,231 12,773 19,126 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288 33,742 34,484 34,492 41,188 40,746 Written off earning assets
Penerusan dana mudharabah muqayyadah 16,883 36,471 33,336 52,640 66,947 60,703 50,285 59,491 58,970 60,179 59,038 62,596 66,112 61,383 68,827 78,432 88,873 96,701 Channeling of mudharabah muqayadah
13
Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah
(Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)
2010 2011
2005 2006 2007 2008 2009
1 Giro iB - Akad Wadiah 2,048 3,416 3,750 4,238 6,202 6,041 6,587 5,881 5,965 6,054 10,038 10,338 7,291 7,407 7,116 8,224 9,056 9,242 1 iB Demand Deposits - Wadia
2 Tabungan iB 4,367 6,430 9,454 12,471 16,475 16,362 16,341 16,688 16,863 17,428 18,351 18,449 18,521 19,461 20,137 20,812 22,908 22,381 2 iB Saving Deposits
a Akad Wadiah 183 332 645 958 1,538 1,553 1,598 1,886 1,986 2,322 2,547 2,418 2,504 2,658 2,878 3,001 3,338 3,171 a Wadia
b Akad Mudharabah 4,184 6,098 8,809 11,513 14,937 14,809 14,742 14,802 14,877 15,106 15,804 16,031 16,018 16,803 17,259 17,811 19,570 19,210 b Mudharaba
3 Deposito iB - Akad Mudharabah 9,169 10,826 14,807 20,143 29,595 30,760 30,371 30,243 31,215 31,584 29,689 31,675 35,159 37,044 39,225 40,051 44,072 44,191 3 iB Time Deposits - Mudharaba
a 1 Bulan 3,835 5,234 9,309 14,325 19,794 20,748 20,054 20,226 21,212 21,546 19,597 21,365 24,478 26,171 27,765 27,750 31,873 32,013 a 1 month
b 3 Bulan 2,228 1,973 1,406 1,919 4,544 4,942 5,124 5,073 4,803 5,081 4,832 5,140 5,153 5,473 5,409 6,472 6,165 5,927 b 3 months
c 6 Bulan 1,480 1,231 1,296 1,827 1,758 1,796 1,946 1,937 1,939 1,963 2,101 2,118 2,262 2,160 2,281 2,086 2,294 2,340 c 6 months
d 12 Bulan 1,625 2,143 2,787 2,066 3,497 3,272 3,246 3,007 3,260 2,987 3,154 3,052 3,265 3,240 3,766 3,743 3,738 3,883 d 12 months
e > 12 Bulan 1 245 9 6 1 1 0 0 0 6 6 1 1 1 4 1 3 28 e > 12 months
Total 15,584 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,079 60,462 60,972 63,912 66,478 69,086 76,036 75,814 Total
14
Juta Rupiah ( in Million IDR )
Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah
(Depositor Funds Composition of Islamic Rural Bank)
2010 2011
2005 2006 2007 2008 2009
1 Giro iB - Akad Wadiah - - - - - - - - - - - - - - - - - - 1 iB Demand Deposits - Wadia
2 Tabungan iB 160,906 231,440 296,890 441,291 492,682 558,179 565,741 560,770 569,195 586,408 572,926 590,065 556,908 596,875 631,459 620,870 658,759 678,982 2 iB Saving Deposits
a Akad Wadiah 48,600 73,634 86,708 161,450 209,991 238,550 245,953 242,971 245,308 248,243 249,227 259,715 249,721 261,362 272,333 263,339 285,066 291,820 a Wadia
b Akad Mudharabah 112,306 157,806 210,182 279,841 282,691 319,629 319,788 317,799 323,887 338,165 323,699 330,350 307,187 335,513 359,126 357,531 373,693 387,162 b Mudharaba
3 Deposito iB - Akad Mudharabah 173,325 289,712 420,968 534,524 665,352 725,316 744,443 749,217 777,226 799,133 812,808 828,662 839,127 860,893 899,783 896,845 945,020 961,669 3 iB Time Deposits - Mudharaba
a 1 Bulan 25,327 58,518 63,504 68,141 138,184 108,763 110,991 111,775 114,561 120,250 125,368 126,334 126,513 129,143 136,331 129,968 155,669 147,637 a 1 month
b 3 Bulan 31,371 45,288 49,724 55,818 76,815 103,342 109,424 113,242 117,225 121,159 121,954 125,424 129,604 133,287 146,244 138,010 141,721 146,790 b 3 months
c 6 Bulan 35,403 60,348 45,915 68,875 157,831 135,714 135,806 139,237 148,809 147,218 146,207 142,351 144,609 149,487 153,770 157,618 166,845 172,023 c 6 months
d 12 Bulan 78,877 122,300 205,596 270,133 275,875 361,433 369,522 365,131 375,632 389,197 397,538 410,150 414,415 422,346 438,601 445,772 456,288 471,699 d 12 months
e > 12 Bulan 2,347 3,258 56,229 71,557 16,646 16,064 18,700 19,833 20,999 21,308 21,740 24,403 23,985 26,630 24,838 25,476 24,496 23,520 e > 12 months
Total 334,231 521,152 717,858 975,815 1,158,034 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,035 1,457,768 1,531,242 1,517,715 1,603,778 1,640,651 Total
15
Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)
2010 2011
2005 2006 2007 2008 2009
Giro Wadiah 464 1,282 1,840 2,363 2,694 2,889 2,933 2,883 2,965 3,003 3,088 3,294 3,330 3,392 3,461 3,552 4,176 4,189 Wadiah Demand Deposits
Bank Indonesia Wadiah Certificate/Bank

SWBI/SBI Syariah 2,395 2,357 2,599 2,545 3,076 3,373 2,972 2,425 3,027 1,656 2,734 2,576 1,882 2,310 2,783 3,287 5,408 3,968
Indonesia Islamic Certificate
Lainnya 321 2 101 280 4,623 5,059 3,932 3,327 2,612 3,164 2,521 3,144 2,295 4,150 4,948 5,325 6,809 5,274 Others
Total 3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 13,430 Total
16
Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)
2010 2011
2005 2006 2007 2008 2009
1 Surat Berharga Pasar Keuangan Syariah - - 4 279 1,103 1,103 1,104 1,105 1,104 1,104 1,104 1,106 1,105 1,105 1,105 1,106 1,106 1,106 Islamic Financial Market Securities
2 Surat Berharga Pasar Modal Syariah 704 828 1,384 2,400 2,641 2,706 3,212 3,259 3,644 3,868 4,200 4,593 4,742 4,827 4,465 4,358 4,532 4,600 Islamic Capital Market Securities
3 Lainnya 26 1 - 4 42 42 42 42 42 42 42 42 42 42 95 95 95 95 Others
Total 730 829 1,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 5,801 Total
17
Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)
2010 2011
Akad 2005 2006 2007 2008 2009 Contract
Akad Mudharabah 3,124 4,062 5,578 6,205 6,597 6,556 6,592 6,716 6,933 7,231 7,593 7,856 8,207 8,292 8,411 8,895 8,631 8,560 Mudharaba
Akad Musyarakah 1,898 2,335 4,406 7,411 10,412 10,363 10,725 11,216 11,632 11,950 12,420 12,645 13,323 13,305 13,943 14,353 14,624 14,600 Musharaka
Akad Murabahah 9,487 12,624 16,553 22,486 26,321 26,532 27,288 28,269 28,922 29,744 31,108 32,027 33,310 33,967 34,831 36,214 37,508 37,855 Murabaha
Akad Salam 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Salam
Akad Istishna 282 337 351 369 423 402 411 406 404 410 392 383 389 380 391 395 347 351 Istishna
Akad Ijarah 316 836 516 765 1,305 1,313 1,321 1,324 1,486 1,569 1,839 2,047 2,134 2,123 2,124 2,149 2,341 2,436 ijara
Akad Qardh 125 250 540 959 1,829 1,974 2,141 2,275 2,274 2,319 2,449 2,675 2,912 2,902 3,295 3,935 4,731 5,922 Qardh
Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Others
Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Total
18
Juta Rupiah ( in Million IDR)
Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah
(Financing Composition of Islamic Rural Bank)
2010 2011
Akad 2005 2006 2007 2008 2009 Contract
Akad Murabahah 337,566 505,633 716,240 1,011,743 1,269,900 1,277,588 1,331,195 1,359,346 1,406,532 1,448,029 1,487,086 1,519,599 1,540,553 1,549,744 1,595,058 1,595,644 1,621,526 1,648,173 Murabaha
Akad Salam 90 30 0 38 105 0 4 4 169 167 160 117 0 0 0 0 45 45 Salam
Akad Istishna 1,844 1,361 13,467 24,683 32,766 32,436 33,130 33,468 34,017 33,593 33,376 33,596 33,404 32,113 30,689 29,354 27,598 26,569 Istishna
Akad Ijarah 6,816 6,783 3,661 5,518 7,803 8,219 8,524 9,964 9,613 9,935 9,725 11,715 13,282 13,395 13,600 13,510 13,499 13,367 Ijara
Akad Qardh 6,666 9,969 19,038 40,308 50,018 49,908 53,900 53,532 57,328 59,429 62,401 64,041 62,751 60,390 63,357 61,736 63,000 62,544 Qardh
Multijasa 0 0 6,106 17,988 28,578 29,085 29,904 29,826 33,652 35,389 39,232 43,024 44,024 45,897 46,668 47,960 51,344 54,810 Multi Purpose Financing
Total 417,282 615,469 890,709 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Total
19
Tabel 20. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)
SEKTOR EKONOMI 2010 2011
2005 2006 2007 2008 2009 ECONOMIC SECTOR
Pertani a n, kehutana n da n 687 701 837 1,177 1,331 1,386 1,325 1,563 1,555 1,661 1,678 1,671 1,675 1,671 1,707 1,992 1,762 1,959 Agri cul ture, fores try a nd
s a ra na pertani a n
a gri cul tura l fa ci l i ties
Pertamba nga n 395 375 511 965 1,047 1,002 958 1,116 1,072 1,081 1,098 1,073 1,090 1,096 1,051 1,057 1,120 955 Mi ni ng
Peri ndus tri a n 933 940 1,371 1,340 1,579 1,612 1,551 1,768 1,976 2,072 2,107 2,172 2,168 2,126 2,158 2,282 2,337 2,336 Ma nufa cturi ng
Li s tri k, ga s da n a i r 66 17 166 248 698 699 835 848 803 857 910 927 1,040 1,134 1,234 1,317 1,354 1,376 Wa ter, ga s a nd el ectri ci ty
Kons truks i 1,548 1,637 2,371 3,368 3,516 3,515 3,504 3,831 3,976 3,930 4,083 3,996 4,319 4,015 4,322 4,202 4,194 4,541 Cons truction
Perda ga nga n, res tora n da n 1,716 3,041 4,152 4,426 5,000 5,732 5,577 6,114 6,186 6,397 6,787 6,855 7,062 7,136 7,404 7,422 7,609 7,306 Tra de, res taura nts a nd
hotel hotel s
Penga ngkutan, perguda nga n 1,261 1,165 1,569 2,759 3,349 3,208 3,067 3,499 3,552 3,565 3,575 3,554 3,519 3,435 3,433 3,545 3,696 3,718 Tra ns port, ca rgo s tora ge a nd
da n komuni ka s i
communi ca tion
Ja s a duni a us a ha 4,504 5,458 8,425 11,757 13,664 13,775 15,126 14,294 14,712 15,355 16,103 16,872 18,016 18,517 18,848 19,880 20,233 19,844 Bus i nes s Servi ces
Ja s a s os i a l /ma s ya ra ka t 1,208 1,456 1,904 2,463 2,661 2,537 2,455 2,596 2,622 2,687 2,755 2,736 2,613 2,694 2,862 2,910 2,975 3,069 Soci a l Servi ces
La i n-l a i n 2,913 5,655 6,639 9,693 14,042 13,673 14,080 14,577 15,196 15,618 16,705 17,776 18,771 19,146 19,975 21,335 22,902 24,620 Others
Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Total
20
Juta Rupiah (in Million IDR )

Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Rural Bank based on Economic Sector)
SEKTOR EKONOMI 2010 2011 ECONOMIC SECTOR
2005 2006 2007 2008 2009
Pertani a n, kehutana n da n 11,874 17,720 24,436 41,613 54,486 56,859 62,417 64,779 67,917 71,842 73,597 108,627 113,075 101,229 104,265 104,578 107,129 121,963 Agri cul ture, fores try a nd
s a ra na pertani a n
a gri cul tura l fa ci l i ties
Pertamba nga n 138 485 944 1,287 998 894 833 884 804 773 796 1,036 759 802 795 789 905 855 Mi ni ng
Peri ndus tri a n 9,207 12,465 12,447 15,885 20,420 20,643 21,511 27,513 24,279 24,254 23,464 25,758 24,505 24,332 23,251 23,696 24,635 25,637 Ma nufa cturi ng
Li s tri k, ga s da n a i r 109 748 367 1,146 1,055 814 1,052 1,066 1,057 1,097 1,160 1,212 1,231 2,104 2,436 2,569 1,569 1,561 Wa ter, ga s a nd el ectri ci ty
Kons truks i 3,495 6,570 16,051 26,536 48,178 45,235 45,308 49,353 50,643 52,367 54,901 55,851 61,394 64,215 70,105 71,973 66,492 66,787 Cons truction
Perda ga nga n, res tora n da n 190,583 255,559 295,195 370,907 486,018 498,081 518,063 527,068 543,438 558,917 572,145 599,829 614,325 594,010 619,154 619,739 624,428 627,122 Tra de, res taura nts a nd
hotel hotel s
Penga ngkutan, perguda nga n 3,618 8,704 9,075 17,697 17,289 18,387 19,344 18,562 18,809 19,999 19,866 20,785 19,929 21,827 21,784 22,158 21,768 26,075 Tra ns port, ca rgo s tora ge a nd
da n komuni ka s i
communi ca tion
Ja s a s os i a l /ma s ya ra ka t 5,155 5,632 6,402 22,609 16,451 15,887 17,553 18,877 19,660 21,829 22,701 23,666 23,887 26,091 23,503 23,575 26,564 26,511 Soci a l Servi ces
La i n-l a i n 144,072 235,392 422,148 617,942 765,264 755,550 783,555 791,275 834,504 862,217 891,578 823,401 825,481 875,899 893,587 889,649 910,060 914,194 Others
Total 417,282 615,469 886,117 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Total
21
Tabel 22 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage)
JENIS PENGGUNAAN 2010 2011

2005 2006 2007 2008 2009 TYPE OF USAGE
Modal Kerja 7,988 10,405 15,656 20,554 22,873 23,548 24,046 24,798 25,524 26,453 27,848 28,315 29,445 29,688 30,439 31,650 31,855 31,484 Working Capital
Investasi 4,288 4,374 5,637 7,907 9,955 9,901 10,337 10,814 10,913 11,136 11,233 11,526 12,043 12,120 12,571 12,948 13,416 13,601 Investment
Konsumsi 2,956 5,666 6,652 9,734 14,058 13,691 14,097 14,595 15,213 15,634 16,721 17,792 18,787 19,162 19,984 21,344 22,910 24,639 Consumption
Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Total
22
Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Rural Bank based on Type of Usage)

2005 2006 2007 2008 2009 TYPE OF USAGE
Modal Kerja 236,794 357,743 497,472 664,644 767,538 764,030 792,005 816,222 847,657 881,584 907,707 1,016,629 1,032,901 1,068,388 1,066,454 1,102,195 1,106,035 1,114,689 Working Capital
Total 417,282 615,469 890,070 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Total
23
Tabel 24. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)
GOLONGAN PEMBIAYAAN 2010 2011 TYPE OF FINANCING

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 36,093 37,631 39,127 40,609 41,697 43,989 45,479 45,227 45,902 49,589 52,002 52,570 54,212 Small and Medium Enterprises
Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,047 10,848 11,079 11,042 11,526 11,812 12,154 15,048 15,068 13,406 13,940 15,611 15,512 Non Small and Medium Enterprises
Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Total
24
Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Financing of Islamic Rural Bank based on Type of Financing)

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 273,212 380,079 575,028 657,359 833,076 806,344 801,715 877,024 917,281 949,740 969,593 993,723 1,013,746 1,109,465 1,141,531 1,128,023 1,115,962 1,148,353 Small and Medium Enterprises
Non Small and Medium Enterprises*)

Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 599,291 753,843 780,235 852,160 813,547 839,974 867,621 903,977 932,020 940,433 870,447 900,511 913,344 944,475 935,867
Total 417,284 615,471 890,072 1,256,650 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Total
*) 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
Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)
KOLEKTIBILITAS 2010 2011 COLLECTIBILITY OF

2005 2006 2007 2008 2009
PEMBIAYAAN FINANCING
Lancar 14,803 19,474 26,813 36,686 45,004 45,086 46,177 47,932 49,342 50,683 53,631 55,244 57,805 58,563 60,509 63,314 66,120 67,436 Performing Financing
- La nca r 14,027 18,583 25,494 35,076 41,931 41,329 42,058 44,065 45,505 46,725 49,310 50,812 52,845 54,240 56,237 59,092 63,006 63,600 Current
- Da l a m Perha tia n Khus us 776 891 1,319 1,610 3,074 3,757 4,120 3,867 3,837 3,958 4,321 4,433 4,960 4,324 4,271 4,222 3,114 3,835 Speci a l Mention
Non Lancar 429 971 1,131 1,509 1,882 2,053 1,054 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 Non Performin Financing
- Kura ng La nca r 201 353 321 525 435 621 822 1,067 1,028 1,007 769 947 865 833 1,098 1,230 677 797 Sub-Standa rd
- Di ra guka n 73 236 267 224 582 397 232 165 259 312 305 244 380 352 328 330 332 361 Doubtful
- Ma cet 155 383 543 759 865 1,036 ` 1,043 1,022 1,221 1,097 1,197 1,226 1,221 1,060 1,068 1,052 1,130 Los t
Total Pembiayaan 15,232 20,445 27,944 38,195 46,886 47,140 47,231 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 Total Financing
Persentase NPF 2.82% 4.75% 4.05% 3.95% 4.01% 4.36% 2.23% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 3.28% Percentage of NPFs
26
Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility)
KOLEKTIBILITAS 2010 2011 COLLECTIBILITY OF

2005 2006 2007 2008 2009
PEMBIAYAAN FINANCING
Lancar 371,781 564,373 820,058 1,151,287 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770 1,889,321 1,887,714 1,926,565 1,942,790 Performing Financing
Non Lancar 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 Non Performin Financing
- Kura ng La nca r 12,290 16,267 22,674 35,322 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875 46,524 45,589 39,185 41,651 Sub-Standa rd
- Di ra guka n 23,338 19,760 17,090 21,307 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142 33,630 33,485 29,919 34,604 Doubtful
- Ma cet 9,873 15,069 32,586 48,693 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125 72,567 74,579 64,767 65,175 Los t
Total Pembiayaan 417,282 615,469 892,407 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 Total Financing
Persentase NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 6.79% Percentage of NPFs
27

Tabel 28. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)
2005 2006 2007 2008 2009 ECONOMIC SECTOR
34 40 21 10 64 72 30 43 49 57 61 63 70 70 78 91 61 63 Agri cul ture, fores try a nd a gri cul tura l
Pertani a n, kehutana n da n s a ra na pertani a n
fa ci l i ties
Pertamba nga n 14 25 80 213 20 20 20 26 25 36 36 60 24 23 30 28 27 28 Mi ni ng
Peri ndus tri a n 82 219 229 289 184 190 179 182 183 186 185 187 188 190 181 183 98 102 Ma nufa cturi ng
Li s tri k, ga s da n a i r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 Wa ter, ga s a nd el ectri ci ty
Kons truks i 23 57 89 140 180 239 276 219 252 307 257 334 336 259 272 283 185 277 Cons truction
Perda ga nga n, res tora n da n hotel 78 205 254 278 436 472 456 468 481 516 317 372 358 360 406 425 338 400 Tra de, res taura nts a nd hotel s
Penga ngkutan, perguda nga n da n 42 88 119 91 177 182 177 245 303 254 182 176 224 385 348 402 263 275 Tra ns port, ca rgo s tora ge a nd
communi ca tion
komuni ka s i
Ja s a duni a us a ha 68 187 141 297 311 338 602 543 535 662 649 616 656 586 622 630 551 558 Bus i nes s Servi ces
Ja s a s os i a l /ma s ya ra ka t 22 40 41 44 59 65 62 65 74 82 73 153 165 83 77 73 55 51 Soci a l Servi ces
La i n-l a i n 65 110 157 148 450 475 498 482 406 439 409 425 447 449 471 499 470 520 Others
Total 429 971 1,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 Total
28

Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Non performing Financing of Islamic Rural Bank based on Economic Sector)
2005 2006 2007 2008 2009 ECONOMIC SECTOR
Pertani a n, kehutana n da n s a ra na pertani a n 1,259 1,472 1,783 3,839 3,741 4,344 5,150 5,023 5,060 5,433 5,586 6,492 5,880 5,994 6,116 6,131 5,058 5,720 Agri cul ture, fores try a nd a gri cul tura l
fa ci l i ties
Pertamba nga n - 10 270 1 309 308 248 247 164 177 161 161 151 152 151 151 157 154 Mi ni ng
Peri ndus tri a n 1,913 1,377 1,652 2,317 3,090 3,190 2,641 3,384 3,320 3,623 3,722 3,577 3,425 3,796 3,719 3,988 3,036 3,364 Ma nufa cturi ng
Li s tri k, ga s da n a i r - 43 1 214 75 76 52 54 64 40 40 44 47 66 273 187 22 24 Wa ter, ga s a nd el ectri ci ty
Kons truks i 55 158 908 4,526 4,484 4,763 4,810 5,086 5,998 6,261 6,163 6,785 7,024 7,040 7,036 7,907 5,245 6,354 Cons truction
Perda ga nga n, res tora n da n hotel 26,405 30,305 38,045 39,224 45,737 48,344 52,491 51,173 49,777 50,238 50,837 55,811 57,436 58,757 62,009 60,299 57,125 57,435 Tra de, res taura nts a nd hotel s
Penga ngkutan, perguda nga n da n 198 491 705 1,538 1,705 1,949 1,952 2,175 1,695 1,714 1,600 1,738 1,740 2,172 2,540 2,852 2,236 2,386 Tra ns port, ca rgo s tora ge a nd
komuni ka s i communi ca tion
Ja s a s os i a l /ma s ya ra ka t 551 449 254 676 516 620 1,812 1,583 1,011 1,694 1,486 2,102 1,488 2,460 2,371 2,333 799 744 Soci a l Servi ces
La i n-l a i n 8,850 9,988 20,139 36,568 41,539 40,505 41,065 41,971 45,006 45,873 44,848 46,948 47,876 49,049 51,049 52,880 44,776 48,134 Others
Total 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 Total
29
Tabel 30. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage)
JENIS PENGGUNAAN 2010 2011 TYPE OF USAGE

2005 2006 2007 2008 2009
Modal Kerja 216 604 647 871 899 1,007 1,223 1,161 1,200 1,392 1,149 1,262 1,256 1,175 1,244 1,264 1,070 1,219 Working Capital
Investasi 148 258 326 489 534 572 581 631 703 709 612 701 767 783 772 865 521 549 Investment
Konsumsi 65 110 158 148 450 475 498 482 406 439 410 425 447 449 471 499 470 520 Consumption
Total 429 971 1,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 Total
30
Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Non Performing Financing of Islamic Rural Bank based on Type of Usage)

2005 2006 2007 2008 2009 TYPE OF USAGE
Modal Kerja 34,239 38,716 53,267 75,154 68,821 72,600 76,741 77,282 76,459 79,513 80,041 85,596 85,538 92,904 95,608 97,139 85,730 89,417 Working Capital
Total 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 Total
31
Tabel 32. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 330 725 798 985 1,611 1,741 1,864 1,619 1,879 2,061 1,720 1,991 2,096 2,040 2,098 2,281 1,824 2,059 Small and Medium Enterprises
Non Small and Medium

Selain Usaha Kecil dan Menengah 99 246 333 524 271 312 438 430 430 479 450 398 374 366 388 347 237 229
Enterprises
Total 429 971 1,131 1,509 1,882 2,053 2,302 2,049 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 Total
32
Juta Rupiah ( in Million IDR)
Tabel 33. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Non Performing Financing of Islamic Rural Bank based on Type of Financing)

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 45,501 41,108 50,322 69,501 70,160 71,330 80,842 79,687 81,973 84,181 85,620 89,191 91,272 97,629 101,201 99,687 87,831 92,961 Small and Medium Enterprises
Non Small and Medium

Selain Usaha Kecil dan Menengah - 9,988 22,028 35,821 41,453 45,415 42,923 44,912 44,456 45,376 44,078 48,710 49,046 49,513 51,521 53,966 46,040 48,469
Enterprises
Total 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 Total
*) 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
satuan (in unit)
Tabel 34 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah
2010 2011
Jenis 2005 2006 2007 2008 2009 Type
Dana Pihak Ketiga 1,255,889 1,992,452 2,845,829 3,766,067 4,537,565 4,483,636 4,625,738 4,786,190 4,821,406 4,892,028 5,064,242 5,070,648 5,264,503 5,762,528 5,605,872 5,705,161 6,053,658 6,161,838 Depositor Funds
Giro iB 26,100 34,499 42,741 51,123 71,635 71,818 74,350 75,817 66,576 68,179 108,398 69,407 71,674 71,547 72,471 73,373 77,200 78,239 Demand Deposits
Tabungan iB 1,168,786 1,883,875 2,711,374 3,600,205 4,315,582 4,258,203 4,397,190 4,552,475 4,596,472 4,663,639 4,791,828 4,838,047 5,022,684 5,494,294 5,344,543 5,447,304 5,790,058 5,901,484 Saving Deposits
Deposito iB 61,003 74,078 91,714 114,739 150,348 153,615 154,198 157,898 158,358 160,210 164,016 163,194 170,145 196,687 188,858 184,484 186,400 182,115 Time Deposits
Pembiayaan 144,699 372,109 512,230 597,208 686,535 700,792 721,334 734,232 744,949 749,059 756,688 771,882 781,859 787,507 798,417 833,791 865,920 710,366 Financing
Akad Salam - - - - - - - - - - - - - - - - - - Salam
Akad Istishna 408 387 392 695 1,346 1,336 1,365 1,366 1,368 1,370 1,335 1,278 1,287 1,292 1,306 1,316 1,335 1,337 Istishna
Akad Ijarah 129 443 1,007 1,912 4,192 4,468 4,747 4,912 5,673 5,925 6,303 6,411 6,713 6,475 6,848 7,177 7,682 5,987 Ijara
Akad Qardh 6,077 12,462 26,455 55,112 100,370 110,319 120,482 127,899 131,508 132,628 135,039 147,469 152,893 155,438 158,875 175,983 207,554 242,515 Qardh
Total 1,400,588 2,364,561 3,358,059 4,363,275 5,224,100 5,184,428 5,347,072 5,520,422 5,566,355 5,641,087 5,820,930 5,842,530 6,046,362 6,550,035 6,404,289 6,538,952 6,919,578 6,872,204 Total
34
satuan (in unit)

Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah
(Number of Account of Islamic Rural Bank)
2010 2011
Jenis 2005 2006 2007 2008 2009 Type
Dana Pihak Ketiga 221,070 287,203 339,914 437,464 517,944 485,927 498,060 500,327 507,948 523,479 516,919 519,898 516,855 534,996 552,415 553,204 558,927 562,209 Depositor Funds
Giro iB - - - - - - - - - - - - - - - - - - Demand Deposits
Tabungan iB 214,866 279,046 329,272 423,550 500,414 467,928 479,827 482,184 489,352 504,600 498,325 501,049 498,294 515,702 532,674 533,401 538,552 541,232 Saving Deposits
Deposito iB 6,204 8,157 10,642 13,914 17,530 17,999 18,233 18,143 18,596 18,879 18,594 18,849 18,561 19,294 19,741 19,803 20,375 20,977 Time Deposits
Pembiayaan 47,627 70,415 110,415 115,050 131,258 131,811 134,900 134,610 138,302 140,387 142,827 144,957 144,946 145,190 147,897 147,872 148,997 150,580 Financing
Akad Salam 10 1 5 5 1 - 1 1 3 3 3 3 - - - - 1 1 Salam
Akad Istishna 314 310 403 438 768 765 773 795 805 809 816 820 821 818 809 783 775 753 Istishna
Akad Qardh 2,547 3,991 8,816 11,795 13,712 13,775 14,253 14,482 15,327 14,625 15,461 15,845 15,327 14,426 14,573 14,479 15,061 15,280 Qardh
Akad Ijarah 790 991 727 577 903 931 954 981 1,025 1,023 1,019 1,047 1,078 1,060 1,088 1,096 1,080 1,068 Ijara
Multijasa - - 1,933 2,504 3,259 3,310 3,441 3,398 3,749 4,003 4,298 4,668 4,799 5,032 5,214 5,395 5,539 5,849 Multi Purpose Financing
Total 268,697 357,618 450,329 552,514 649,202 617,738 632,960 634,937 646,250 663,866 659,746 664,855 661,801 680,186 700,312 701,076 707,924 712,789 Total
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)
2010 2011
2005 2006 2007 2008 2009
Dana Pihak Ketiga Depositor Funds
1 Giro iB 1.16% 1.27% 1.07% 1.18% 0.96% 0.92% 0.90% 0.98% 0.92% 0.99% 1.20% 0.97% 0.94% 0.96% 1.37% 1.13% 1.20% 1.15% 1 Demand Deposits
2 Tabungan iB 3.96% 3.72% 3.32% 3.61% 2.76% 2.50% 2.43% 2.85% 2.54% 2.68% 2.64% 2.65% 2.51% 2.94% 3.01% 3.29% 3.06% 2.83% 2 Saving Deposits
3 Deposito iB 3 Time Deposits
a 1 Bulan 7.86% 8.96% 7.63% 8.22% 6.92% 5.31% 6.54% 6.77% 6.60% 6.37% 6.63% 6.91% 6.69% 6.59% 6.66% 6.51% 6.90% 6.33% a 1 month
b 3 Bulan 8.03% 9.81% 7.93% 9.10% 7.25% 6.07% 6.86% 7.09% 6.88% 6.81% 6.67% 6.85% 7.03% 6.86% 7.14% 6.28% 6.68% 6.42% b 3 months
c 6 Bulan 8.82% 9.57% 8.25% 8.67% 8.44% 6.15% 6.64% 7.72% 7.66% 6.76% 7.31% 7.04% 7.31% 6.96% 7.13% 6.67% 7.15% 6.73% c 6 months
d 12 Bulan 9.35% 9.99% 8.34% 8.34% 9.06% 7.68% 7.51% 8.64% 8.31% 7.49% 6.89% 7.00% 8.39% 7.26% 6.71% 7.31% 7.32% 6.98% d 12 months
e > 12 Bulan 7.83% 10.04% 7.17% 8.63% 8.63% 8.53% 8.05% 7.15% 6.91% 8.10% 9.65% 6.03% 6.15% 6.58% 15.92% 5.95% 9.65% 5.00% e > 12 months
Pembiayaan Financing
1 Akad Mudharabah 12.75% 13.73% 16.93% 19.38% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53% 17.60% 17.59% 17.27% 17.03% 17.31% 17.25% 17.39% 17.19% 1 Mudharaba
2 Akad Musyarakah 8.46% 10.25% 11.23% 11.37% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30% 11.39% 11.04% 10.92% 10.95% 11.52% 11.67% 14.52% 13.96% 2 Musharaka
3 Akad Murabahah 13.05% 12.09% 14.66% 14.92% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69% 73.30% 15.77% 15.51% 15.49% 15.61% 15.53% 15.30% 99.45% 3 Murabaha
4 Akad Salam - - - - - - - - - - - - - - - - - - 4 Salam
5 Akad iIstishna 13.80% 13.46% 14.30% 14.99% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18% 13.08% 13.90% 14.00% 13.86% 14.16% 14.18% 13.37% 14.36% 5 Istishna
6 Akad Ijarah 0.59% 0.66% 0.16% 0.88% 0.76% 0.75% 0.75% 0.74% 0.66% 0.64% 121.08% 0.50% 0.48% 0.48% 0.48% 0.48% 0.46% 0.45% 6 ijara
7 Akad Qardh 5.25% 5.33% 2.89% 3.42% 4.34% 4.34% 4.34% 4.24% 4.29% 4.15% 4.11% 3.98% 3.84% 3.98% 4.04% 4.10% 3.89% 4.23% 7 Qardh
36
Tabel 37 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )
2010 2011
2005 2006 2007 2008 2009
Dana Pihak Ketiga Depositor Funds
1 Giro iB - - - - - - - - - - - - - - - - - - 1 Demand Deposits
2 Tabungan iB 5.69% 10.62% 5.50% 6.62% 6.19% 5.36% 4.03% 4.28% 6.07% 5.97% 6.04% 6.01% 5.80% 5.49% 5.77% 4.33% 4.40% 4.12% 2 Saving Deposits
3 Deposito iB 3 Time Deposits
a 1 Bulan 8.79% 12.73% 10.64% 10.47% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53% 11.30% 11.30% 11.64% 11.46% 11.49% 11.43% 13.57% 13.84% a 1 month
b 3 Bulan 10.60% 12.44% 11.65% 13.16% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47% 11.48% 11.23% 11.17% 11.08% 11.24% 11.31% 11.78% 11.08% b 3 months
c 6 Bulan 12.98% 13.68% 12.14% 13.74% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07% 13.43% 12.89% 13.27% 12.90% 13.20% 13.35% 13.39% 12.69% c 6 months
d 12 Bulan 9.27% 12.58% 12.31% 13.09% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00% 12.07% 11.92% 11.91% 11.74% 11.99% 11.57% 11.61% 11.10% d 12 months
e > 12 Bulan 13.54% 14.48% 11.52% 13.03% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00% 11.92% 12.02% 12.12% 12.12% 13.14% 13.06% 12.82% 12.88% e > 12 months
Pembiayaan Financing
1 Akad Mudharabah 21.28% 18.16% 21.28% 18.49% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42% 17.59% 18.23% 17.98% 18.86% 20.02% 18.81% 19.70% 19.23% 1 Mudharaba
2 Akad Musyarakah 20.96% 23.15% 20.77% 23.28% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96% 14.97% 16.01% 15.84% 16.23% 16.39% 15.16% 20.78% 20.35% 2 Musharaka
3 Akad Murabahah 17.88% 18.72% 20.30% 19.56% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57% 19.60% 19.49% 19.62% 19.71% 19.69% 20.15% 20.07% 19.51% 3 Murabaha
4 Akad Salam - - - - - - - - - - - - - - - - - - 4 Salam
5 Akad I'stishna 18.45% 20.01% 7.43% 7.39% 7.35% 7.39% 7.29% 7.28% 7.11% 7.17% 7.27% 7.53% 7.71% 7.93% 8.20% 7.75% 8.49% 8.55% 5 Istishna
6 Akad Ijarah 0.84% 0.54% 0.21% 0.11% 0.10% 0.09% 0.11% 0.19% 0.08% 0.08% 0.09% 0.07% 0.07% 0.06% 0.06% 0.10% 0.07% 0.08% 6 ijara
7 Akad Qardh - - - - - - - - - - - - - - - - - - 7 Qardh
8 Multijasa - - - - - - - - - - - - - - - - - - 8 Multi Purpose Financing
37
Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah
(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)
2010 2011
Rasio 2005 2006 2007 2008 2009 Ratio
1 CAR 1) 12.41% 13.73% 10.67% 12.81% 10.77% 11.26% 11.43% 11.07% 12.12% 12.31% 12.89% 14.66% 14.23% 14.58% 15.74% 15.40% 16.25% 20.23% CAR 1)
2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.65% 1.76% 2.13% 2.06% 1.25% 1.66% 1.67% 1.63% 1.77% 1.79% 1.83% 1.67% 2.26% ROA
3 ROE 1) 27.58% 28.45% 40.38% 38.79% 26.09% 20.51% 23.95% 32.02% 27.97% 25.07% 21.41% 21.24% 20.13% 21.92% 24.30% 20.91% 17.58% 19.99% ROE 1)
4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 4.36% 4.75% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 3.28% NPF
5 FDR 97.75% 98.90% 99.76% 103.65% 89.70% 88.67% 90.96% 95.07% 95.57% 96.65% 96.08% 95.32% 98.86% 95.40% 94.76% 95.45% 89.67% 91.97% FDR
6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 84.87% 79.73% 76.27% 77.15% 85.79% 79.99% 79.77% 80.36% 79.10% 78.94% 77.70% 80.54% 75.75% BOPO
1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only)
38
Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah
(Financial Ratios of Islamic Rural Bank)
2010 2011
Rasio 2005 2006 2007 2008 2009 Ratio
1 CAR na na 34.72% 30.28% 29.98% 30.80% 33.25% 31.35% 30.70% 29.60% 29.64% 29.20% 27.17% 29.10% 26.25% 28.70% 27.46% 30.12% CAR
2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.55% 3.48% 3.57% 3.67% 3.97% 3.71% 3.68% 3.52% 3.47% 3.61% 3.59% 3.49% 2.83% ROA
3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 11.65% 11.29% 12.20% 13.20% 15.33% 14.07% 14.08% 13.14% 13.17% 14.50% 14.58% 14.29% 9.96% ROE
4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 6.79% NPF
5 FDR 122.41% 118.10% 124.08% 128.78% 126.89% 123.61% 126.23% 129.05% 130.51% 131.17% 135.20% 135.74% 139.96% 135.82% 133.36% 134.50% 128.47% 127.04% FDR
6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 76.30% 76.78% 76.18% 75.35% 75.34% 75.20% 75.61% 76.49% 76.93% 77.18% 76.24% 78.08% 76.29% BOPO
39
satuan (in unit)
Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset
(Number of Islamic Rural Bank based on Total Assets)
Total Aset (Rp) 2010 2011 Total Assets (in IDR)

2005 2006 2007 2008 2009
< 1 Mi l i a r 11 7 13 7 8 10 10 10 11 6 6 6 6 5 5 9 7 9 < 1 Bi l l i on
1 s .d. 5 Mi l i a r 51 57 46 50 38 35 35 39 37 42 39 39 39 40 36 34 29 28 1 up to 5 Bi l l i on
> 5 s .d. 10 Mi l i a r 17 22 24 34 40 41 39 34 36 35 40 38 38 36 37 34 43 37 >5 up to 10 Bi l l i on
> 10 Mi l i a r 13 19 31 40 52 54 58 60 60 61 60 63 63 65 70 72 71 77 > 10 Bi l l i on
Total 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150 151 Total
40
Tabel 41. Volume Transaksi PUAS
(Volume of Transaction of Interbank Islamic Money Market)
2010 2011
2005 2006 2007 2008 2009
1 hari na 276 542 2,259 700 373 536 903 638 487 491 107 350 2,226 4,775 1,156 526 10 Overnight
2-6 hari na 334 66 450 890 347 1,146 801 773 581 488 190 764 190 355 817 210 55 2 up to 6 days
7 hari na 106 304 961 129 340 738 1,088 698 411 480 409 1,060 86 160 283 283 55 7 days
8-26 hari na 74 193 148 682 510 654 435 429 570 460 600 720 767 400 810 500 105 8 up to 26 days
27-30 hari na - 64 - 470 - - 20 2 - 129 72 100 125 40 40 - - 27 up to 30 days
>30 hari na 5 - 10 18 - - 372 - - 5 20 - - 20 - 60 - > 30 days
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
41
Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA
(Weighted Average Rate of Return of IMA Certificate)
2010 2011
2005 2006 2007 2008 2009
1 hari na 5.92% 6.59% 9.54% 6.01% 6.15% 5.93% 6.00% 5.96% 6.00% 5.94% 6.17% 6.10% 5.67% 5.44% 5.66% 5.65% 6.52% Overnight
2-6 hari na 7.80% 6.58% 9.97% 6.13% 6.10% 6.05% 5.98% 6.01% 6.09% 6.07% 6.21% 6.13% 6.11% 5.76% 5.65% 5.82% 5.92% 2 up to 6 days
7 hari na 8.18% 6.66% 10.30% 6.33% 6.27% 5.81% 5.96% 6.01% 6.07% 6.16% 6.22% 6.29% 6.16% 6.03% 5.95% 6.00% 5.89% 7 days
8-26 hari na 8.60% 6.48% 10.65% 6.55% 6.78% 6.54% 5.92% 6.17% 6.48% 6.44% 6.45% 6.38% 6.20% 6.26% 6.10% 5.96% 5.89% 8 up to 26 days
27-30 hari na - 7.18% - 6.65% - - 6.60% 5.80% - 6.42% 6.36% 6.35% 6.35% 6.05% 6.35% - - 27 up to 30 days
>30 hari na 6.90% - 10.75% 6.92% - - 6.27% - - 7.00% 6.50% - - 6.60% - 6.17% - > 30 days
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
42

Tabel. 43. 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)
Propinsi Aset Gross Dana Pihak Ketiga Province

Pembiayaan (Financing) FDR NPF
(Gross Assets) (Depositor Funds)
Nanggroe Aceh Darussalam 2,903 1,734 1,479 117.25% 2.05% Nanggroe Aceh Darussalam
Sumatera Utara 5,194 3,549 2,845 124.76% 5.00% North Sumatera
Sumatera Barat 2,689 1,549 1,251 123.90% 1.44% West Sumatera
Sumatera Selatan 2,456 1,614 1,353 119.26% 2.20% South Sumatera
Bangka Belitung 203 145 159 91.00% 0.06% Bangka Belitung
Jambi 763 737 417 176.55% 4.08% Jambi
Bengkulu 328 311 190 163.46% 1.33% Bengkulu
Riau 3,231 1,642 1,571 104.48% 2.79% Riau
Kepulauan Riau 1,019 877 559 156.85% 2.49% Riau Islands
Lampung 1,104 910 582 156.40% 1.67% Lampung
DKI Jakarta 77,382 27,220 36,076 75.45% 4.22% DKI Jakarta
Jawa Barat 13,959 8,106 8,743 92.72% 2.87% West Java
Banten 3,825 2,207 2,750 80.23% 2.44% Banten
Jawa Tengah 5,957 4,332 3,229 134.13% 2.47% Central Java
DI Yogyakarta 2,243 899 1,255 71.67% 3.79% DI Yogyakarta
Jawa Timur 8,473 5,960 5,831 102.21% 1.03% East Java
Bali 332 304 256 118.95% 0.12% Bali
Kalimantan Barat 1,252 746 711 104.87% 0.55% West Kalimantan
Kalimantan Tengah 178 113 121 93.98% 0.88% Central Kalimantan
Kalimantan Timur 2,729 1,578 1,904 82.88% 7.01% East Kalimantan
Kalimantan Selatan 2,628 1,174 1,169 100.47% 2.06% South Kalimantan
Sulawesi Utara 261 237 126 188.49% 13.48% North Sulawesi
Gorontalo 178 168 149 112.67% 4.30% Gorontalo
Sulawesi Barat 63 56 29 194.62% 0.00% West Sulawesi
Sulawesi Tengah 449 403 282 142.84% 0.64% Central Sulawesi
Sulawesi Tenggara 249 187 245 76.45% 1.61% South East Sulawesi
Sulawesi Selatan 2,409 1,689 1,167 144.81% 4.01% South Sulawesi
Maluku 77 28 71 40.02% 1.47% Maluku
Maluku Utara 144 88 113 77.27% 1.01% North Maluku
NTB 686 570 400 142.35% 0.73% West Nusa Tenggara
NTT 85 78 59 133.08% 0.00% East Nusa Tenggara
Irian Jaya Barat 94 87 88 98.23% 3.35% West Irian Jaya
Papua 306 276 228 120.81% 0.36% Papua
Luar Indonesia 413 148 405 36.63% 0.00% Outside Indonesia
43

Tabel. 44. Total Aset, 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)
Propinsi (Province) Dana Pihak Ketiga Propinsi (Province)

Aset (Assets) Pembiayaan (Financing) FDR NPF
(Depositor Funds)
Nanggroe Aceh Darussalam 75,620 48,449 36,937 131.17% 12.71% Nanggroe Aceh Darussalam
Sumatera Utara 78,935 56,488 52,475 107.65% 6.05% North Sumatera
Sumatera Barat 96,146 73,016 68,800 106.13% 3.39% West Sumatera
Sumatera Selatan 7,548 4,146 4,212 98.42% 6.26% South Sumatera
Bangka Belitung 178,316 120,253 138,101 87.08% 8.88% Bangka Belitung
Jambi - - - - - Jambi
Bengkulu 57,031 47,315 36,970 127.98% 5.25% Bengkulu
Riau 54,632 43,243 23,377 184.98% 5.44% Riau
Kepulauan Riau 14,841 13,051 6,686 195.21% 4.83% Riau Islands
Lampung 88,717 60,775 38,246 158.90% 2.34% Lampung
DKI Jakarta 23,924 18,779 4,347 431.95% 4.63% DKI Jakarta
Jawa Barat 791,406 630,991 450,993 139.91% 5.23% West Java
Banten 298,999 239,962 205,327 116.87% 8.72% Banten
Jawa Tengah 237,804 165,048 148,886 110.86% 6.70% Central Java
DI Yogyakarta 127,554 86,142 95,493 90.21% 7.28% DI Yogyakarta
Jawa Timur 432,834 330,924 216,082 153.15% 7.83% East Java
Bali 6,784 6,404 5,657 113.21% 11.27% Bali
Kalimantan Barat - - - - - West Kalimantan
Kalimantan Tengah - - - - - Central Kalimantan
Kalimantan Timur 11,699 7,188 5,927 121.28% 28.27% East Kalimantan
Kalimantan Selatan 21,996 13,809 14,689 94.00% 17.91% South Kalimantan
Sulawesi Utara - - - - - North Sulawesi
Gorontalo - - - - - Gorontalo
Sulawesi Barat - - - - - West Sulawesi
Sulawesi Tengah - - - - - Central Sulawesi
Sulawesi Tenggara - - - - - South East Sulawesi
Sulawesi Selatan 102,972 77,088 50,723 151.98% 8.56% South Sulawesi
Maluku - - - - - Maluku
Maluku Utara - - - - - North Maluku
NTB 68,011 40,321 36,313 111.04% 4.11% West Nusa Tenggara
NTT - - - - - East Nusa Tenggara
Irian Jaya Barat - - - - - West Irian Jaya
Papua 1,165 829 411 201.75% 11.23% Papua
44

Tabel. 45. 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)
Propinsi Pertanian, kehutanan dan Perdagangan, restoran Pengangkutan, pergudangan Jasa sosial / Province
Pertambangan Perindustrian Listrik, gas dan air Konstruksi Jasa dunia usaha Lain-lain
sarana pertanian dan hotel dan komunikasi masyarakat
Agriculture, forestry and Water, gas and Trade, restaurants and Transport, cargo storage and
Mining Manufacturing Construction Business Services Social Services Others
agricultural facilities electricity hotels communication
Nanggroe Aceh Darussalam 8 - 7 1 82 221 6 320 34 1,056 Nanggroe Aceh Darussalam
Sumatera Utara 551 3 26 13 213 781 27 702 131 1,103 North Sumatera
Sumatera Barat 28 2 10 - 4 221 5 348 58 874 West Sumatera
Sumatera Selatan 84 0 4 2 119 284 3 365 44 708 South Sumatera
Bangka Belitung 1 0 - 14 1 3 - 12 29 85 Bangka Belitung
Jambi 34 3 0 - 7 153 0 190 19 331 Jambi
Bengkulu 69 - - - 0 62 5 82 11 83 Bengkulu
Riau 251 - 5 0 146 176 70 346 19 629 Riau
Kepulauan Riau 2 0 6 - 2 65 20 252 12 520 Riau Islands
Lampung 43 1 16 5 3 137 3 371 58 273 Lampung
DKI Jakarta 640 770 1,136 1,299 2,745 2,464 2,969 8,271 921 6,004 DKI Jakarta
Jawa Barat 15 7 224 3 421 556 193 2,475 538 3,675 West Java
Banten 3 8 112 1 31 134 13 862 159 884 Banten
Jawa Tengah 13 57 606 8 84 741 17 950 214 1,642 Central Java
DI Yogyakarta 2 0 26 18 4 155 1 261 41 391 DI Yogyakarta
Jawa Timur 74 8 115 8 228 290 47 1,599 446 3,145 East Java
Bali - - - - - 31 - 3 99 171 Bali
Kalimantan Barat 12 0 2 - 35 88 129 119 8 352 West Kalimantan
Kalimantan Tengah 0 - - - - 2 27 42 4 38 Central Kalimantan
Kalimantan Timur 11 5 22 - 88 191 45 652 66 497 East Kalimantan
Kalimantan Selatan 4 65 5 0 24 57 126 488 52 353 South Kalimantan
Sulawesi Utara - - 0 0 9 76 0 131 - 20 North Sulawesi
Gorontalo 0 - 2 - 3 48 2 5 72 36 Gorontalo
Sulawesi Barat 22 - - - - 5 0 8 3 18 West Sulawesi
Sulawesi Tengah 4 2 0 3 7 50 1 122 4 211 Central Sulawesi
Sulawesi Tenggara - 11 0 - - 25 0 108 - 43 South East Sulawesi
Sulawesi Selatan 2 0 4 - 14 125 2 573 18 951 South Sulawesi
Maluku - - - - - 0 0 6 - 22 Maluku
Maluku Utara - - - - - - 0 23 1 63 North Maluku
NTB 1 9 4 0 77 65 0 67 2 344 West Nusa Tenggara
NTT - 2 - - 39 2 1 13 3 18 East Nusa Tenggara
Irian Jaya Barat - - - - 5 33 0 27 - 22 West Irian Jaya
Papua 84 - - - 6 66 2 51 5 61 Papua
Luar Indonesia - 0 3 - 143 - 1 - 1 - Outside Indonesia
45

Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi
( Financing of Islamic Rural Bank based on Economic Sector and Province)
Pertanian, kehutanan dan Perdagangan, restoran Pengangkutan, pergudangan Jasa sosial /

Pertambangan Perindustrian Listrik, gas dan air Konstruksi Jasa dunia usaha Lain-lain
sarana pertanian dan hotel dan komunikasi masyarakat
Propinsi Province
Agriculture, forestry and Water, gas and Trade, restaurants and Transport, cargo storage and
Mining Manufacturing Construction Business Services Social Services Others
agricultural facilities electricity hotels communication
Nanggroe Aceh Darussalam 1,349 2 1,254 3 651 31,608 128 2,716 1,124 9,615 Nanggroe Aceh Darussalam
Sumatera Utara 2,303 - 1,048 50 898 14,657 347 5,153 340 31,692 North Sumatera
Sumatera Barat 4,166 93 536 113 1,256 38,345 1,605 4,740 1,512 20,649 West Sumatera
Sumatera Selatan 288 - 452 - - 668 41 259 70 2,368 South Sumatera
Bangka Belitung 6,006 69 120 158 5,730 59,078 1,034 22,253 93 25,714 Bangka Belitung
Jambi - - - - - - - - - - Jambi
Bengkulu 18,978 - 582 - 1,175 15,674 37 334 38 10,497 Bengkulu
Riau 1,090 - 1,159 - 199 8,319 1,837 7,631 422 22,587 Riau
Kepulauan Riau 838 - - - - 3,183 90 1,065 151 7,723 Riau Islands
Lampung 5,472 - 524 - 135 7,658 43 2,500 332 44,111 Lampung
DKI Jakarta - - - - - 2,146 - 3,996 - 12,637 DKI Jakarta
Jawa Barat 47,843 276 7,656 817 9,542 130,096 12,658 74,116 11,109 336,878 West Java
Banten 185 42 1,178 - 6,083 101,709 405 74,473 4,305 51,582 Banten
Jawa Tengah 10,154 196 2,709 112 25,212 50,368 2,746 13,416 3,361 56,774 Central Java
DI Yogyakarta 1,387 - 2,270 295 3,304 21,282 821 18,828 1,396 36,558 DI Yogyakarta
Jawa Timur 18,211 177 3,984 10 2,657 91,055 2,356 30,343 1,577 180,552 East Java
Bali 5 - 1,323 - - 3,911 - 186 7 972 Bali
Kalimantan Barat - - - - - - - - - - West Kalimantan
Kalimantan Tengah - - - - - - - - - - Central Kalimantan
Kalimantan Timur 169 - 18 - - 2,287 - 332 - 4,382 East Kalimantan
Kalimantan Selatan 839 - - 3 - 3,145 1,574 6,787 - 1,461 South Kalimantan
Sulawesi Utara - - - - - - - - - - North Sulawesi
Gorontalo - - - - - - - - - - Gorontalo
Sulawesi Barat - - - - - - - - - - West Sulawesi
Sulawesi Tengah - - - - - - - - - - Central Sulawesi
Sulawesi Tenggara - - - - - - - - - - South East Sulawesi
Sulawesi Selatan 2,101 - 818 - 6,683 11,139 6 1,087 14 55,239 South Sulawesi
Maluku - - - - - - - - - - Maluku
Maluku Utara - - - - - - - - - - North Maluku
NTB 576 - 6 - 3,262 30,535 349 3,214 659 1,721 West Nusa Tenggara
NTT - - - - - - - - - - East Nusa Tenggara
Irian Jaya Barat - - - - - - - - - - West Irian Jaya
Papua 3 - - - - 260 - 85 - 481 Papua
46

Tabel. 47. 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)
Propinsi Modal Kerja Investasi Konsumsi Province
Agriculture, forestry and agricultural Mining Manufacturing
Nanggroe Aceh Darussalam facilities
575 104 1,056 Nanggroe Aceh Darussalam
Sumatera Utara 1,601 845 1,103 North Sumatera
Sumatera Barat 526 150 874 West Sumatera
Sumatera Selatan 661 245 708 South Sumatera
Bangka Belitung 16 44 85 Bangka Belitung
Jambi 321 85 331 Jambi
Bengkulu 213 15 83 Bengkulu
Riau 579 433 630 Riau
Kepulauan Riau 216 140 521 Riau Islands
Lampung 538 99 273 Lampung
DKI Jakarta 13,702 7,497 6,020 DKI Jakarta
Jawa Barat 3,596 836 3,675 West Java
Banten 1,062 261 884 Banten
Jawa Tengah 2,234 456 1,642 Central Java
DI Yogyakarta 395 113 391 DI Yogyakarta
Jawa Timur 2,105 710 3,145 East Java
Bali 120 13 171 Bali
Kalimantan Barat 202 192 352 West Kalimantan
Kalimantan Tengah 39 36 38 Central Kalimantan
Kalimantan Timur 617 464 497 East Kalimantan
Kalimantan Selatan 450 371 353 South Kalimantan
Sulawesi Utara 214 4 20 North Sulawesi
Gorontalo 101 31 36 Gorontalo
Sulawesi Barat 33 6 18 West Sulawesi
Sulawesi Tengah 169 23 211 Central Sulawesi
Sulawesi Tenggara 82 63 43 South East Sulawesi
Sulawesi Selatan 629 110 951 South Sulawesi
Maluku 6 1 22 Maluku
Maluku Utara 24 - 63 North Maluku
NTB 117 109 344 West Nusa Tenggara
NTT 31 30 18 East Nusa Tenggara
Irian Jaya Barat 35 30 22 West Irian Jaya
Papua 130 86 61 Papua
Luar Indonesia 147 1 - Outside Indonesia
47

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)
Propinsi Modal Kerja Investasi Konsumsi Province
Working Capital Investment Consumption
Nanggroe Aceh Darussalam 37,852 4,152 6,446 Nanggroe Aceh Darussalam
Sumatera Utara 23,932 2,111 30,445 North Sumatera
Sumatera Barat 42,144 12,061 18,811 West Sumatera
Sumatera Selatan 1,107 670 2,368 South Sumatera
Bangka Belitung 101,011 8,789 10,454 Bangka Belitung
Jambi - - - Jambi
Bengkulu 34,454 7,322 5,539 Bengkulu
Riau 18,064 7,031 18,148 Riau
Kepulauan Riau 2,801 2,794 7,456 Riau Islands
Lampung 13,819 12,871 34,085 Lampung
DKI Jakarta 17,500 48 1,230 DKI Jakarta
Jawa Barat 267,292 52,589 311,110 West Java
Banten 165,119 36,056 38,787 Banten
Jawa Tengah 87,735 30,154 47,159 Central Java
DI Yogyakarta 48,910 8,339 28,893 DI Yogyakarta
Jawa Timur 144,942 21,303 164,679 East Java
Bali 3,952 1,690 762 Bali
Kalimantan Barat - - - West Kalimantan
Kalimantan Tengah - - - Central Kalimantan
Kalimantan Timur 2,808 2 4,378 East Kalimantan
Kalimantan Selatan 12,468 2 1,338 South Kalimantan
Sulawesi Utara - - - North Sulawesi
Gorontalo - - - Gorontalo
Sulawesi Barat - - - West Sulawesi
Sulawesi Tengah - - - Central Sulawesi
Sulawesi Tenggara - - - South East Sulawesi
Sulawesi Selatan 57,990 2,160 16,938 South Sulawesi
Maluku - - - Maluku
Maluku Utara - - - North Maluku
NTB 30,475 8,211 1,636 West Nusa Tenggara
NTT - - - East Nusa Tenggara
Irian Jaya Barat - - - West Irian Jaya
Papua 314 50 465 Papua
48

Tabel. 49. 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)
Propinsi Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah Province
Small and Medium Enterprises Non Small and Medium Enterprises
Nanggroe Aceh Darussalam 1,330 404 Nanggroe Aceh Darussalam
Suma tera Uta ra 2,522 1,027 North Sumatera
Suma tera Ba ra t 1,201 349 West Sumatera
Suma tera Sel a ta n 761 853 South Sumatera
Ba ngka Bel i tung 20 125 Bangka Belitung
Ja mbi 726 11 Jambi
Bengkul u 292 19 Bengkulu
Ri a u 1,386 256 Riau
Kepul a ua n Ri a u 757 120 Riau Islands
La mpung 682 228 Lampung
DKI Ja ka rta 22,176 5,044 DKI Jakarta
Ja wa Ba ra t 5,763 2,344 West Java
Ba nten 1,297 910 Banten
Ja wa Tenga h 3,544 788 Central Java
DI Yogya ka rta 684 215 DI Yogyakarta
Ja wa Ti mur 4,949 1,011 East Java
Ba l i 240 64 Bali
Ka l i ma nta n Ba ra t 527 218 West Kalimantan
Ka l i ma nta n Tenga h 94 19 Central Kalimantan
Ka l i ma nta n Ti mur 1,476 103 East Kalimantan
Ka l i ma nta n Sel a ta n 1,018 156 South Kalimantan
Sul a wes i Uta ra 201 36 North Sulawesi
Goronta l o 161 7 Gorontalo
Sul a wes i Ba ra t 26 31 West Sulawesi
Sul a wes i Tenga h 225 179 Central Sulawesi
Sul a wes i Tengga ra 42 145 South East Sulawesi
Sul a wes i Sel a ta n 1,344 346 South Sulawesi
Ma l uku 20 8 Maluku
Ma l uku Uta ra 11 77 North Maluku
NTB 368 202 West Nusa Tenggara
NTT 61 18 East Nusa Tenggara
Iri a n Ja ya Ba ra t 34 53 West Irian Jaya
Pa pua 256 20 Papua
Lua r Indones i a 18 130 Outside Indonesia
49

Tabel. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi
(Financing of Islamic Rural Bank based on Type of Financing and Province)
Propinsi Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah Province
Small and Medium Enterprises Non Small and Medium Enterprises
Nanggroe Aceh Darussalam 33,062 15,387 Nanggroe Aceh Darussalam
Suma tera Utara 20,832 35,656 North Sumatera
Suma tera Ba ra t 52,678 20,339 West Sumatera
Suma tera Sel a tan 1,774 2,372 South Sumatera
Ba ngka Bel i tung 109,757 10,497 Bangka Belitung
Ja mbi - - Jambi
Bengkul u 34,880 12,435 Bengkulu
Ri a u 5,246 37,997 Riau
Kepul a ua n Ri a u 5,595 7,456 Riau Islands
La mpung 20,948 39,827 Lampung
DKI Ja ka rta 17,539 1,240 DKI Jakarta
Ja wa Ba ra t 290,711 340,280 West Java
Ba nten 174,200 65,761 Banten
Ja wa Tenga h 111,680 53,368 Central Java
DI Yogya ka rta 38,425 47,716 DI Yogyakarta
Ja wa Ti mur 153,341 177,583 East Java
Ba l i 5,641 762 Bali
Ka l i ma ntan Ba ra t - - West Kalimantan
Ka l i ma ntan Tenga h - - Central Kalimantan
Ka l i ma ntan Ti mur 2,600 4,589 East Kalimantan
Ka l i ma ntan Sel a tan 12,470 1,338 South Kalimantan
Sul a wes i Utara - - North Sulawesi
Gorontal o - - Gorontalo
Sul a wes i Ba ra t - - West Sulawesi
Sul a wes i Tenga h - - Central Sulawesi
Sul a wes i Tengga ra - - South East Sulawesi
Sul a wes i Sel a tan 20,970 56,118 South Sulawesi
Ma l uku - - Maluku
Ma l uku Utara - - North Maluku
NTB 35,655 4,666 West Nusa Tenggara
NTT - - East Nusa Tenggara
Iri a n Ja ya Ba ra t - - West Irian Jaya
Pa pua 348 481 Papua
50

Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/kabupaten
(Financing, Depositor Funds, percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on City/District)
Propinsi Kota/Kabupaten Pembiayaan Dana Pihak Ketiga City/District Province
FDR
(Financing) (Depositor Funds)
Ba nte n Ka b. Ta nge ra ng 674 981 68.69% Ka b. Ta nge ra ng Ba nte n
Ka b. Se ra ng 373 342 109.07% Ka b. Se ra ng
Koti f Ci l e gon 596 596 100.05% Koti f Ci l e gon
Kodya Ta nge ra ng 563 831 67.78% Kodya Ta nge ra ng
Ja wa Ba ra t Ka b. Be ka s i 815 1,356 60.15% Ka b. Be ka s i We s t Ja va
Ka b. Purwa ka rta 178 133 133.42% Ka b. Purwa ka rta
Ka b. Bogor 130 128 101.29% Ka b. Bogor
Ka b. Ci a njur 97 80 121.59% Ka b. Ci a njur
Ka b. Ba ndung 5 9 52.41% Ka b. Ba ndung
Ka b. Ta s i kma l a ya 14 0 4167.17% Ka b. Ta s i kma l a ya
Ka b. Ma ja l e ngka 22 4 539.13% Ka b. Ma ja l e ngka
Kodya Ba ndung 2,902 3,174 91.42% Kodya Ba ndung
Kodya Bogor 1,030 1,219 84.48% Kodya Bogor
Kodya Suka bumi 173 97 177.95% Kodya Suka bumi
Kodya Ci re bon 864 488 177.25% Kodya Ci re bon
Koti f Ta s i kma l a ya 458 254 180.41% Koti f Ta s i kma l a ya
Koti f Ci ma hi 112 95 118.39% Koti f Ci ma hi
Koti f De pok 362 481 75.28% Koti f De pok
Koti f Be ka s i 945 1,225 77.18% Koti f Be ka s i
DKI Ja ka rta Wi l . Kota Ja ka rta Pus a t 15,908 17,723 89.76% Wi l . Kota Ja ka rta Pus a t DKI Ja ka rta
Wi l . Kota Ja ka rta Uta ra 1,205 1,563 77.09% Wi l . Kota Ja ka rta Uta ra
Wi l . Kota Ja ka rta Ba ra t 811 601 134.87% Wi l . Kota Ja ka rta Ba ra t
Wi l . Kota Ja ka rta Se l a ta n 7,559 13,671 55.29% Wi l . Kota Ja ka rta
Se l a ta n
Wi l . Kota Ja ka rta Ti mur 1,736 2,517 68.98% Wi l . Kota Ja ka rta Ti mur
DIY Ka b. Sl e ma n 8 42 18.08% Ka b. Sl e ma n DIY
Kodya Yogya ka rta 891 1,212 73.52% Kodya Yogya ka rta
Ja wa Te nga h Ka b. Ke nda l 0 1 55.48% Ka b. Ke nda l Ce ntra l Ja va
Ka b. Te ga l 74 3 2789.34% Ka b. Te ga l
Ka b. Pa ti 6 2 259.86% Ka b. Pa ti
Ka b. Kudus 113 58 194.40% Ka b. Kudus
Ka b. Ba nyuma s 337 211 159.73% Ka b. Ba nyuma s
Ka b. Ci l a ca p 32 36 90.59% Ka b. Ci l a ca p
Kodya Se ma ra ng 1,387 1,289 107.64% Kodya Se ma ra ng
Kodya Sa l a ti ga 0 1 2.89% Kodya Sa l a ti ga
Kodya Pe ka l onga n 559 443 126.17% Kodya Pe ka l onga n
Kodya Te ga l 166 86 192.05% Kodya Te ga l
Kodya Sura ka rta 1,580 1,091 144.78% Kodya Sura ka rta
Koti f Purwoke rto 76 8 909.93% Koti f Purwoke rto
Ja wa Ti mur Ka b. Gre s i k 180 98 184.62% Ka b. Gre s i k Ea s t Ja va
Ka b. Si doa rjo 262 248 105.64% Ka b. Si doa rjo
Ka b. Pa me ka s a n 103 138 74.47% Ka b. Pa me ka s a n
Ka b. Ba nyuwa ngi 90 41 219.74% Ka b. Ba nyuwa ngi
Ka b. Je mbe r 365 237 154.03% Ka b. Je mbe r
Ka b. Bojone goro 122 99 122.76% Ka b. Bojone goro
Kodya Sura ba ya 2,986 3,012 99.16% Kodya Sura ba ya
Kodya Ma l a ng 1,101 843 130.68% Kodya Ma l a ng
Kodya Bl i ta r 0 0 10.98% Kodya Bl i ta r
Kodya Ke di ri 714 1,096 65.12% Kodya Ke di ri
Kodya Ma di un 36 19 188.17% Kodya Ma di un
Be ngkul u Kodya Be ngkul u 311 190 163.46% Kodya Be ngkul u Be ngkul u
Ja mbi Kodya Ja mbi 737 417 176.55% Kodya Ja mbi Ja mbi
NAD Kodya Ba nda Ace h 1,042 1,137 91.65% Kodya Ba nda Ace h NAD
Koti f Lhoks e uma we 336 157 214.00% Koti f Lhoks e uma we
Koti f La ngs a 185 93 199.75% Koti f La ngs a
Koti f Si me ul ue 171 93 184.64% Koti f Si me ul ue
Suma te ra Uta ra Ka b. De l i Se rda ng 15 14 103.21% Ka b. De l i Se rda ng North Suma te ra
Ka b. La buha n Ba tu 208 114 182.54% Ka b. La buha n Ba tu
Kodya Te bi ng Ti nggi 91 87 104.56% Kodya Te bi ng Ti nggi
Kodya Bi nja i 328 117 281.32% Kodya Bi nja i
Kodya Pe ma ta ng Si a nta r 538 216 249.20% Kodya Pe ma ta ng Si a nta r
Kodya Ta njung Ba l a i 39 70 56.32% Kodya Ta njung Ba l a i
Kodya Si bol ga 29 14 204.83% Kodya Si bol ga
Kodya Me da n 1,932 1,888 102.37% Kodya Me da n
Suma te ra Ba ra t Koti f Pa da ng Si de mpua n 368 325 113.20% Koti f Pa da ng Si de mpua n We s t Suma te ra
Kodya Buki tti nggi 347 285 121.65% Kodya Buki tti nggi
Kodya Pa da ng 955 880 108.42% Kodya Pa da ng
Kodya Pa ya kumbuh 248 85 291.48% Kodya Pa ya kumbuh
Ri a u Ka b. Be ngka l i s 84 148 56.35% Ka b. Be ngka l i s Ri a u
Kodya Pe ka nba ru 1,365 1,205 113.30% Kodya Pe ka nba ru
Koti f Duma i 194 219 88.54% Koti f Duma i
Ke p. Ri a u Koti f Ta njungpi na ng 270 213 126.89% Koti f Ta njungpi na ng Ri a u Is l a nds
Kodya Pul a u Ba ta m 607 347 175.24% Kodya Pul a u Ba ta m
Suma te ra Se l a ta n Kodya Pa l e mba ng 1,313 1,216 107.94% Kodya Pa l e mba ng South Suma te ra
Koti f Lubukl i ngga u 41 14 280.02% Koti f Lubukl i ngga u
Koti f Pra bumul i h 104 50 206.64% Koti f Pra bumul i h
Koti f Ba tura ja 157 72 216.63% Koti f Ba tura ja
Ba ngka Be l i tung Kodya Pa ngka l Pi na ng 145 159 91.00% Kodya Pa ngka l Pi na ng Ba ngka Be l i tung
La mpung Ka b. La mpung Te nga h 182 68 268.67% Ka b. La mpung Te nga h La mpung
Kodya Ba nda r La mpung 728 514 141.57% Kodya Ba nda r La mpung
Ka l i ma nta n Se l a ta n Ka b. Ba nja r 75 116 64.53% Ka b. Ba nja r South Ka l i ma nta n
Ka b. Hul u Sunga i Se l a ta n 71 53 134.43% Ka b. Hul u Sunga i
Ka b. Ta ba l ong - 1 0.00% Se
Ka lb.
a ta
Tanba l ong
Kodya Ba nja rma s i n 1,029 1,000 102.92% Kodya Ba nja rma s i n
Ka l i ma nta n Ba ra t Ka b. Sa mba s - 3 0.00% Ka b. Sa mba s We s t Ba ra t
Ka b. Ke ta pa ng 26 69 37.07% Ka b. Ke ta pa ng
Kodya Ponti a na k 720 639 112.66% Kodya Ponti a na k
Ka l i ma nta n Ti mur Ka b. Kuta i 168 177 94.64% Ka b. Kuta i Ea s t Ka l i ma nta n
Ka b. Pa s i r 8 0 3304.08% Ka b. Pa s i r
Kodya Sa ma ri nda 737 1,099 67.09% Kodya Sa ma ri nda
Ka l i ma nta n Te nga h Kodya Ba l i kpa pa n 665 628 105.96% Kodya Ba l i kpa pa n Ce ntra l Ka l i ma nta n
Ka b. Kota wa ri ngi n Ba ra t 0 2 8.62% Ka b. Kota wa ri ngi n Ba ra t
Kodya Pa l a ngka ra ya 113 119 95.10% Kodya Pa l a ngka ra ya
Sul a we s i Te nga h Ka b. Ba ngga i 111 52 212.78% Ka b. Ba ngga i Ce ntra l Sul a we s i
Kodya Pa l u 292 230 127.01% Kodya Pa l u
Sul a we s i Se l a ta n Ka b. Wa jo 37 24 153.60% Ka b. Wa jo South Sul a we s i
Ka b. Ma ros 56 23 239.30% Ka b. Ma ros
Kodya Ma ka s s a r 1,597 1,119 142.66% Kodya Ma ka s s a r
Sul a we s i Ba ra t Ka b. Ma muju 56 29 194.62% Ka b. Ma muju We s t Ba ra t
Sul a we s i Uta ra Kodya Me na do 237 126 188.49% Kodya Me na do North Uta ra
Goronta l o Kodya Goronta l o 168 149 112.67% Kodya Goronta l o Goronta l o
Sul a we s i Te ngga ra Ka b. Ke nda ri 3 3 102.61% Ka b. Ke nda ri Sul a we s i Te ngga ra
Kodya Ke nda ri 184 241 76.09% Kodya Ke nda ri
Nus a Te ngga ra Ba ra t Ka b. Lombok Ba ra t 14 1 1361.21% Ka b. Lombok Ba ra t We s t Nus a Te ngga ra
Ka b. Lombok Ti mur 80 31 255.15% Ka b. Lombok Ti mur
Kodya Ma ta ra m 475 368 129.20% Kodya Ma ta ra m
Ba l i Ka b. Ba dung 33 3 1024.67% Ka b. Ba dung Ba l i
Kodya De npa s a r 272 253 107.57% Kodya De npa s a r
Nus a Te ngga ra Ti mur Kodya Kupa ng 78 59 133.08% Kodya Kupa ng Ea s t Nus a Te ngga ra
Ma l uku Kodya Ambon 28 71 40.02% Kodya Ambon Ma l uku
Iri a n Ja ya Ba ra t Ka b. Sorong 80 81 98.68% Ka b. Sorong We s t Iri a n Ja ya
Kodya Sorong 7 7 93.11% Kodya Sorong
Pa pua Kodya Ja ya pura 276 228 120.81% Kodya Ja ya pura Pa pua
Ma l uku Uta ra Koti f Te rna te 88 113 77.27% Koti f Te rna te North Ma l uku
Lua r Indone s i a Lua r Indone s i a 148 405 36.63% Lua r Indone s i a Outs i de Indone s i a
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)

100,000,000
90,000,000
80,000,000
70,000,000
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
-
Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan yang Diberikan (Financing)
52
Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah

(Assets, Depositor Funds and Financing - Islamic Rural Bank )
Juta rupiah (in Million IDR)
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
-
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing)
53
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
60.00% 100.00%
98.00%
50.00%
96.00%
40.00% 94.00%
92.00%
30.00%
90.00%
20.00% 88.00%
86.00%
10.00%
84.00%
0.00% 82.00%
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
54
Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah
(FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)
35.00% 145.00%
30.00% 140.00%
25.00%
135.00%
20.00%
130.00%
15.00%
125.00%
10.00%
5.00% 120.00%
0.00% 115.00%
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
55
Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah
(Source of Funds - Islamic Commercial Bank and Islamic Business Unit)
Pinjaman yang Diterima

(Received Borrowing)
Surat Berharga 0.3%
(Securities)
0.8%
Modal
Kewajiban Kepada Bank Lain (Capital)
(Inter-bank Liabilities) 5.2% Dana Pihak Ketiga
6.3% (Depositor Funds)
87.4%
Januari 2011 (January 2011)
56
Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah

(Source of Funds - Islamic Rural Bank)
Modal Kewajiban Lainnya

(Capital) (Other Liabilities)
14.8% 0.7%
Pinjaman yang Diterima
(Received Borrowing)
3.8%
Dana Pihak Ketiga
(Depositor Funds)
64.3%
Kewajiban Kepada Bank Lain

(Liabilities to other bank)
16.3%
57
Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah
(Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)
Surat Berharga Penyertaan

(Investment in Securities) (Equity participation)
Penempatan di BI 5.9% 0.1% Tagihan Lainnya
(Placement at BI) (Billing and Acceptable Liabilities)
6.0% 0.4%
Penempatan di Bank Lain

(Inter - bank assets ) PYD
4.4% (Financing)
83.3%
58
Grafik 8. Penyaluran Dana Bank Pembiayaan Rakyat Syariah

(Placement of Funds - Islamic Rural Bank)
Penempatan di Bank Lain
(Inter - bank assets )
15.2%
PYD
(Financing)
84.8%
59
Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah
Triliun Rupiah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)
(in Trillion IDR)
80.00 10%
75.00 Pembiayaan Yang Diberikan (Financing) NPF (percentage)
9%
70.00
65.00 8%
60.00
55.00 7%
50.00
6%
45.00
40.00 5%
35.00
4%
30.00
25.00 3%
20.00
15.00 2%
10.00
1%
5.00
0.00 0%
60
Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah

(Assets, Depositor Funds and Financing - Islamic Rural Bank )
Juta rupiah (in Million IDR)
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
-
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing)
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)
2.50% 100.00%
90.00%
2.00% 80.00%
70.00%
1.50% 60.00%
50.00%
1.00% 40.00%
30.00%
0.50% 20.00%
10.00%
0.00% 0.00%
ROA (Left Axis) ROE (Islamic Commercial Bank only - Right Axis) BOPO (Right Axis)
62
Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah
(Trend of BOPO, ROA and ROE - Islamic Rural Bank)
4.50% 90.00%
4.00% 80.00%
3.50% 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%
ROA (Left Axis) ROE (Right Axis) BOPO (Right Axis)
63

2011 Jan Stats

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Statistik Perbankan Syariah

(Islamic Banking Statistics)

The Islamic Banking Statistics is a

Direktorat Perbankan Syariah

4. Publikasi buku Statistik Perbankan Syariah on Bank Indonesia website www.bi.go.id.

dapat dilihat melalui website Bank Indonesia

DAFTAR SINGKATAN ABBREVIATIONS

UUS : Islamic Business Unit of a

Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang

Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa

Indikasi tingkat imbalan dari suatu penanaman dana atau penghimpunan

Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)

Bank Umum Syariah Islamic Commercial Bank

- Jumlah Bank 3 3 3 5 6 6 7 8 9 10 10 10 10 10 11 11 11 11 - Number of Banks

Unit Usaha Syariah - Islamic Business Unit

Jumlah Bank Umum

Bank Pembiayaan Rakyat Syariah - Islamic Rural Bank

Bank Umum Syariah 11 321 706 204 Islamic Commercial Bank

1 PT Ba nk Sya ri a h Mua ma l a t 1 75 58 114 1 PT Ba nk Sya ri a h Mua ma l a t Indones i a

Bank Pembiayaan Rakyat Syariah 151 27 - 112 Islamic Rural Bank

Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 27 27 27 27 28 28 1 West java

Tabel 4. Layanan Syariah (Office Channeling)

Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)

Miliar Rupiah (in Billion IDR )

12 Selisih Penilaian kembali Aktiva Tetap - - - 13 - 3 3 3 3 3 8 9 14 19 11 11 12 3 Different appraisal Fixed Asset

Juta Rupiah (in Million IDR)

Miliar Rupiah (in Billion IDR)

Juta Rupiah (in Million IDR)

Bagi hasil investasi tidak Profit Sharing for

Miliar Rupiah (in Billion IDR)

Biaya pendidikan dan

Juta Rupiah (in Million IDR)

(Cost of Promotion, Education and Training - Islamic Rural Bank)

Biaya pendidikan dan

Miliar Rupiah (in Billion IDR)

Tagihan Komitmen Claim comintment

Juta Rupiah (in Million IDR)

Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah

Tagihan Komitmen Claim comintment

Miliar Rupiah (in Billion IDR)

e > 12 Bulan 1 245 9 6 1 1 0 0 0 6 6 1 1 1 4 1 3 28 e > 12 months

Juta Rupiah ( in Million IDR )

Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah

(Depositor Funds Composition of Islamic Rural Bank)

1 Giro iB - Akad Wadiah - - - - - - - - - - - - - - - - - - 1 iB Demand Deposits - Wadia

Miliar Rupiah (in Billion IDR)

Bank Indonesia Wadiah Certificate/Bank

Miliar Rupiah (in Billion IDR)

Miliar Rupiah (in Billion IDR )

(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)

Akad Salam 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Salam

Juta Rupiah ( in Million IDR)

Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

(Financing Composition of Islamic Rural Bank)

Akad Salam 90 30 0 38 105 0 4 4 169 167 160 117 0 0 0 0 45 45 Salam

Miliar Rupiah (in Billion IDR )

Juta Rupiah (in Million IDR )

Miliar Rupiah (in Billion IDR)

JENIS PENGGUNAAN 2010 2011

Juta Rupiah (in Million IDR)

(Financing of Islamic Rural Bank based on Type of Usage)

JENIS PENGGUNAAN 2010 2011