I.16.

POSISI KREDIT USAHA MIKRO KECIL DAN MENENGAH BANK UMUM

(UMKM) ¹
(Miliar Rp)

2017 2018 2019 2020 2021 2022

KETERANGAN
Nov Dec Jan Feb
1 UMKM

2 Lapangan Usaha 942,388 1,032,643 1,111,340 1,091,232 1,223,433 1,334,948 1,351,249 1,332,024 1,340,708

3 Pertanian, Kehutanan dan Perikanan 89,199 101,811 118,923 141,428 176,207 225,779 230,219 227,708 228,633

4 Pertambangan dan Penggalian 6,034 6,696 8,248 8,019 8,893 6,662 6,969 6,988 7,147

5 Industri Pengolahan 95,998 101,845 110,661 111,752 127,292 132,698 134,879 133,127 133,975

6 Pengadaan Listrik dan Gas 3,789 4,284 6,120 3,474 3,193 2,899 3,034 2,996 2,987
7 Pengadaan Air, Pengelolaan Sampah, Limbah, dan
1,456 1,556 1,752 1,692 1,859 1,988 2,013 2,067 2,080
Daur Ulang
8 Konstruksi 63,594 71,998 72,039 59,164 57,583 53,021 52,264 48,256 48,660
9 Perdagangan Besar dan Eceran, Reparasi Mobil dan
482,635 518,627 548,285 530,669 601,408 652,197 656,431 647,799 651,974
Motor
10 Transportasi dan Pergudangan 28,854 34,756 39,601 36,595 37,424 37,721 39,102 39,713 40,238

11 Penyediaan Akomodasi dan Makan Minum 34,708 39,253 45,138 50,623 58,603 60,840 61,393 60,798 61,095

12 Informasi dan Komunikasi 6,439 7,651 7,358 7,671 6,314 7,362 7,582 6,905 6,808

13 Jasa Keuangan dan Komunikasi 20,724 22,755 20,288 15,041 12,385 12,726 13,257 12,746 12,448

14 Real Estate 15,744 20,452 21,898 20,213 18,312 16,991 17,717 17,589 17,756

15 Jasa Perusahaan 31,213 32,787 37,291 31,049 30,451 33,588 34,332 33,838 34,492
16 Administrasi Pemerintahan, Pertahanan, dan
180 535 160 100 214 239 387 421 243
Jaminan Sosial Wajib
17 Jasa Pendidikan 5,554 6,285 6,872 7,235 8,294 8,626 8,554 8,580 8,529

18 Jasa Kesehatan dan Kegiatan Lainnya 8,664 10,246 11,718 10,257 11,825 12,320 12,537 12,410 12,598

19 Jasa Lainnya 47,601 51,106 54,725 56,252 62,620 69,291 70,581 70,086 71,046

20 Tidak Teridentifikasi 1 0 264 1 556 0 0 0 0

21 Jenis Penggunaan 942,388 1,032,643 1,111,340 1,091,232 1,223,433 1,334,948 1,351,249 1,332,024 1,340,708

22 Modal Kerja 697,388 766,213 800,638 799,226 927,327 1,005,304 1,015,647 994,874 997,953

23 Invetastasi 244,999 266,430 310,701 292,007 296,106 329,643 335,602 337,150 342,755

24 Tidak Teridentifikasi 0 0 0 0 0 0 0 0 0

25 Skala Usaha 942,388 1,032,643 1,111,340 1,091,232 1,223,433 1,334,948 1,351,249 1,332,024 1,340,708

26 Mikro 221,409 251,336 283,704 247,176 389,895 522,791 532,724 537,620 541,259

27 Kecil 282,774 312,069 343,792 353,125 459,744 462,450 466,706 468,513 471,555

28 Menengah 438,205 469,237 483,844 490,931 373,794 349,707 351,819 325,891 327,893

29 Kredit dengan Penjaminan Tertentu 2) 119,600 137,944 163,722 178,067 315,635 449,391 456,613 435,784 419,542

30 Mikro 67,230 74,635 80,689 77,529 197,782 315,783 322,007 307,454 293,611

31 Kecil 42,643 56,843 75,352 93,996 112,237 132,243 133,227 127,019 124,622

32 Menengah 9,727
9727.4 6,466 7,681 6,542 5,616 1,365 1,378 1,311 1,309
Catatan:
1) Sejak Juni 2016 termasuk Bank Umum Syariah / Unit Usaha Syariah
2) Pemberian kredit yang dijamin oleh penjamin tertentu yang memenuhi persyaratan.
-Sejak Mei 2014 terdapat perubahan cakupan dan klarifikasi data Dana dan Kredit berkaitan dengan implementasi Laporan Bulanan Bank Umum Syariah (LBUS) berdasarkan Laporan Stabilitas Moneter dan Sistem
Keuangan (LSMK). Penjelasan lebih lanjut terdapat di Metadata

Statistik Ekonomi dan Keuangan Indonesia

Indonesian Economic and Financial Statistics 62 Bank Indonesia
 I.16 OUTSTANDING OF MICRO, SMALL AND MEDIUM ENTERPRISES CREDITS OF COMMERCIAL BANKS
(MSMEs) ¹
(Billions of Rp)

2023
ITEMS
Mar Apr May Jun Jul Aug Sep Oct Nov
MSMEs 1

1,360,036 1,364,208 1,378,242 1,394,644 1,400,208 1,414,507 1,426,326 1,434,331 1,448,497 Industrial Origin 2

234,175 236,549 240,595 243,710 246,298 249,434 251,558 253,480 258,485 Agriculture, Forestry and Fishery 3

7,055 7,013 7,616 6,809 6,978 6,806 7,096 7,727 8,060 Mining and Quarrying 4

136,085 137,912 138,341 140,019 139,892 141,224 142,100 142,613 142,761 Manufacturing Industry 5

2,567 2,645 2,737 2,780 3,556 3,682 3,818 3,910 4,615 Electricity and Gas 6
Water supply, sewerage, waste management and 7
2,119 2,149 2,197 2,238 2,243 2,268 2,293 2,305 2,333
remediation activities
49,645 50,116 51,560 53,851 55,215 56,162 57,273 57,059 56,549 Construction 8
Wholesale and retail trade; repair of motor 9
660,431 659,106 663,139 667,222 668,431 673,359 675,535 677,854 681,834
vehicles and motorcycles
40,968 41,783 42,494 43,142 43,378 44,178 46,261 46,789 46,707 Transportation and storage 10

62,039 62,283 62,800 63,177 63,502 64,330 65,091 65,523 66,325 Accommodation and food service activities 11

7,254 7,285 7,069 8,123 7,042 6,857 6,936 7,315 7,398 Information and communication 12

12,256 12,310 12,328 12,528 13,806 13,834 13,809 13,941 15,879 Other financial and communication 13

17,113 16,991 17,205 17,203 17,234 17,468 17,659 17,632 17,839 Real estate 14

33,939 33,015 33,599 35,216 33,962 34,152 34,366 34,682 35,947 Business Services 15
Public administration and defence; compulsory 16
410 407 278 219 213 209 214 211 229
social security
8,595 8,571 8,721 8,939 8,905 8,995 9,083 9,182 9,216 Education 17

12,545 12,611 12,782 12,914 12,892 13,125 13,260 13,427 13,615 health and social work activities 18

72,841 73,464 74,779 76,553 76,659 78,422 79,973 80,682 80,702 Other service activities 19

0 0 0 0 0 0 0 0 0 Not Identified 20

1,360,036 1,364,208 1,378,242 1,394,644 1,400,208 1,414,507 1,426,326 1,434,331 1,448,497 Type of Credit 21

1,010,159 1,012,174 1,019,022 1,027,025 1,027,653 1,034,920 1,040,526 1,043,427 1,050,910 Working Capital 22

349,877 352,034 359,219 367,619 372,555 379,587 385,800 390,904 397,587 Invetsasi 23

0 0 0 0 0 0 0 0 0 Not Identified 24

1,360,036 1,364,208 1,378,242 1,394,644 1,400,208 1,414,507 1,426,326 1,434,331 1,448,497 Business Criteria 25

597,929 603,039 613,561 621,314 627,728 634,793 638,540 642,878 650,805 Micro 26

443,768 443,900 444,915 449,099 450,650 453,734 456,928 458,395 460,815 Small 27

318,339 317,270 319,767 324,232 321,830 325,980 330,857 333,058 336,877 Medium 28

423,239 423,201 427,172 425,932 423,886 424,421 425,215 425,433 429,825 o/w Credit with Specific Guarantee Scheme 2) 29

296,260 295,973 300,063 297,621 294,647 293,972 293,533 293,240 296,786 Micro 30

125,644 125,924 125,880 127,094 128,023 129,228 130,488 131,022 131,881 Small 31

1,335 1,304 1,230 1,217 1,216 1,220 1,194 1,172 1,158 Medium 32
Notes:
1) Since June 2016 included Islamic Bank / Shariah Business Unit
2) The extension of credit secured by certain eligible guarantor.
-Since May 2014, data coverage and classification has been enhanced related to the implementation of Islamic Banking Monthly Report (LBUS) based on Monetary and Financial System Stability Report (LSMK). For
further explanation please refer to Metadata

Statistik Ekonomi dan Keuangan Indonesia

Indonesian Economic and Financial Statistics 63 Bank Indonesia