NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp) I.1.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM DAN KREDIT PERBANKAN
NET EXPANSION OF MSMEs CREDIT AND BANKING CREDIT . I.1.A
2011 Net Ekspansi
2010
Kredit UMKM Kredit Non UMKM Kredit Perbankan
2012
s.d Des
s.d Jan
85,587.6 363,016.3 448,604.0
Persentase terhadap Rencana Bisnis Kredit MKM
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Sept
s.d Okt
s.d Nov
s.d Des
-9,086.8 11,319.0 2,232.2
1,289.4 66,875.4 68,164.8
11,830.9 108,985.2 120,816.0
27,004.1 164,258.3 191,262.4
50,530.3 208,541.7 259,072.0
50,093.3 227,734.1 277,827.3
33,306.1 285,739.2 319,045.2
32,155.3 331,561.9 363,717.2
42,760.0 351,051.0 393,811.0
61,980.8 378,447.2 440,428.0
72,339.5 MSMEs Credit 446,755.4 Non MSMEs Credit 519,094.9 Total Credit
-24.09%
-6.02%
0.85%
7.84%
17.89%
33.47%
33.18%
22.06%
21.30%
28.32%
41.05%
Percentage on Business Plan of
66.76%
I.1.B PERKEMBANGAN NET EKSPANSI KREDIT MKM DAN KREDIT PERBANKAN Net Ekspansi
Persentase terhadap Rencana Bisnis Kredit MKM
2012 s.d Jan
s.d Feb
s.d Mar
s.d Juni
s.d Juli
Net Expansion
2010
s.d Des
s.d Apr
s.d Mei
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
194,807.3 142,951.5 -3,085.7 334,673.1
230,150.3 224,711.1 2,810.7 457,672.1
-37,442.5 -4,543.1 1,841 -40,144.4
-13,493.4 15,010.1 715 2,232.2
11,146.3 56,043.2 975 68,164.8
35,004.9 84,160.9 1,650 120,816.0
56,768.3 131,263.6 3,230 191,262.4
96,220.7 159,723.9 3,127 259,072.0
116,750.7 161,076.6 3,748.7 277,827.3
121,645.4 197,399.9 4,622.4 319,045.2
144,245.8 219,471.4 3,998.7 363,717.2
162,228.0 231,583.0 4,606.8 393,811.0
181,734.7 258,693.3 5,403.7 440,428.0
208,270.3 310,824.6 5,403.7 519,094.9
111.99%
-
-
-
-
-
-
-
-
-
-
-
-
-
I.2.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KLASIFIKASI USAHA 2010
s.d Des
MSM Credit Non MSM Credit MSM Credit cards Total Credit Percentage on Business Plan of MSM Credit
NET EXPANSION OF MSMEs CREDIT BASED ON ENTERPRISES CLASSIFICATION .I.2.A
2011 Net Ekspansi
47.91% MSMEs Credit
NET EXPANSION OF MSM CREDIT AND BANKING CREDIT . I.1.B
2011 Kredit MKM r Kredit Non MKM Kartu Kredit MKM Kredit Perbankan
Net Expansion
s.d Ags
-36,372.2 -3,772.2 -40,144.4
2012 s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
Net Expansion
Kredit Usaha Mikro Kredit Usaha Kecil
18,607.0 13,278.8
-13,102 -10,866
760.9 -3,600.9
2,252.9 -47.3
-1,207.7 5,649.4
8,379.7 9,430.1
13,157.4 17,151.5
17,408.6 16,528.6
8,172.0 9,998.4
9,392.8 10,388.0
9,824.4 10,993.5
10,584.3 16,716.0
10,849.0 Micro Enterprises Credit 18,970.5 Small Enterprises Credit
Kredit Usaha Menengah
53,701.8
-12,404
-6,246.8
-916.1
7,389.1
9,194.2
20,221.4
16,156.1
15,135.6
12,374.4
21,942.1
34,680.6
42,520.1 Medium Enterprises Credit
Net Ekspansi Kredit UMKM
85,587.6
-36,372
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1
32,155.3
42,760.0
61,980.8
72,339.5 Total Net Expansion of MSME
I.2.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT PLAFON
NET EXPANSION OF MSM CREDIT BASED ON PLAFOND .I.2.B
2011 Net Ekspansi Kredit Mikro (Rp 0-Rp 50 Jt)
2010
s.d Des
2012 s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
28,853.3
39,842.2
-14,726.7
-24,580.5
-21,228.0
-15,707.9
-21,086.9
-12,911.0
3,349.5
-217.5
3,164.5
-402.4
1,377.1
Kredit Kecil (>Rp 50 Jt-Rp500Jt) Kredit Menengah (>Rp500 JtRp5M)
111,752.1
119,411.5
-10,948.3
12,841.6
23,598.0
30,166.7
47,404.0
63,614.0
67,611.2
74,891.0
84,165.5
97,821.2
108,680.6
54,201.9
70,896.6
-11,767.6
-1,754.6
8,776.3
20,546.0
30,451.2
45,517.7
45,790.1
46,971.9
56,915.8
64,809.2
71,677.0
Net Ekspansi Kredit MKM
194,807.3
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
121,645.4
144,245.8
162,228.0
181,734.7
s.d Des
Net Expansion
2,121.0 Micro Credit (up to IDR50 million) Small Credit (>IDR50 million - IDR500 120,964.8 million) Medium Credit (>IDR500 million-IDR5 85,184.5 billion) 208,270.3 Total Net Expansion of MSM
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp) I.3.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT SEKTOR EKONOMI
NET EXPANSION OF MSMEs CREDIT BASED ON ECONOMIC SECTORS .I.3.A
2011 Net Ekspansi
2010
1. Pertanian, Perburuan dan Kehutanan 2. Perikanan 3. Pertambangan dan Penggalian 4. Industri pengolahan 5. Listrik, Gas dan Air 6. Konstruksi 7. Perdagangan besar dan eceran 8. Penyediaan akomodasi dan penyediaan makan minum 9. Transportasi, pergudangan dan komunikasi 10. Perantara keuangan 11. Real estate, usaha persewaan dan jasa perusahaan 12. Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib 13. Jasa pendidikan 14. Jasa kesehatan dan kegiatan sosial 15. Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 16. Jasa perorangan yang melayani rumah tangga 17. Badan internasional dan badan ekstra internasional lainnya 18. Kegiatan yang belum jelas batasannya 19. Tidak teridentifikasi Net Ekspansi Kredit UMKM
s.d Des
2012 s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Nov
s.d Des
2,411.8 -26.6 -129.4 -4,268.5 130.8
2,841.4 -16.3 55.0 -2,337.4 298.3
1,883.7 -30.9 577.8 -36.8 330.2
6,864.7 147.8 865.6 1,871.0 489.4
11,803.4 302.9 1,286.5 3,247.0 522.3
11,086.2 326.7 1,094.0 2,931.9 598.6
7,400.3 195.9 1,076.6 3,641.4 402.2
11,145.1 284.8 821.3 -793.7 408.8
11,727.2 309.2 969.0 22.5 411.4
12,553.6 415.5 1,356.3 6,144.3 454.1
4,280.6
-2,380.2
-1,188.2
-535.1
241.8
1,690.8
4,389.9
5,228.8
5,919.7
5,730.3
7,208.8
8,594.9
37,054.2
-14,645.3
-6,021.8
-1,442.8
5,616.1
13,369.0
31,769.5
32,589.7
26,223.8
30,595.6
35,089.8
41,090.9
2,964.7
-97.9
143.7
448.8
607.9
726.8
1,665.1
2,057.0
1,984.0
1,778.6
1,927.4
2,914.2
5,396.6 3,542.0
-739.9 -519.8
-636.1 -589.5
-1,830.4 -155.4
-1,584.3 3,206.6
-1,043.4 1,606.2
645.2 3,447.9
925.2 3,413.7
531.1 3,061.5
-357.9 4,528.6
355.1 4,887.4
2,046.6 3,807.3
7,369.9
-562.1
-606.0
-320.7
-680.1
-535.1
804.5
2,604.0
10,119.0
1,631.2
2,411.4
5,501.3
Real estate, Business Ownership, and 6,073.5 Business Services
145.9 318.8
13.9 -17.6
-23.3 0.6
10.3 89.5
10.9 47.3
-106.9 213.5
30.9 395.6
-98.4 358.3
-172.3 158.7
-146.3 284.0
-163.0 419.6
-167.9 389.5
Government Administration, defense -169.2 and compulsory social security 470.8 Education services
246.3
-79.5
28.2
178.3
223.5
276.7
448.0
534.5
568.0
348.3
406.9
519.2
594.5 Health services and social activities
5,337.1
-327.6
-149.2
-39.0
-115.9
377.7
1,228.7
1,985.3
1,095.8
1,134.3
1,277.1
1,076.8
-528.7
-43.4
-66.0
-65.4
-82.0
-4.2
55.6
104.7
25.0
88.1
124.5
125.8
2,270.7
-156.2
-122.8
-337.4
-794.5
-204.7
-2,345.8
-1,895.7
-1,903.9
-1,916.2
-1,928.5
-1,934.5
3,867.3 -8,054.2
-9,392.3 2.7
2,014.4 11.2
4,438.8 8.9
2,391.0 18.7
390.8 8.3
-9,175.4 8.5
-13,756.0 4.7
-27,017.2 -3.7
-23,411.6 2.1
-22,692.1 -3.6
-22,903.7 -3.6
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1
32,155.3
42,760.0
61,980.8
s.d Des
14,247.6 335.4 1,525.8 7,343.9 261.9
Net Expansion
-1,494.0 -65.6 -314.7 -5,507.8 -45.2
Agriculture, hunting and forestry Fishery Mining and Quarrying Processing industry Electricity, Gas & Water
6,677.6 Construction 48,610.4 Wholesale and retail trade Provision of accommodation and the 3,708.9 provision of eating and drinking Transportation, warehousing and 2,449.8 communication 3,855.1 Financial Intermediaries
Social services, social, cultural, 858.8 entertainment and other individual Individual services which serve 114.9 households International agencies and othe -1,941.0 International extra institutions Business activities are not clearly -22,675.6 defined -3.7 Un-identified 72,339.5 Total Net Expansion of MSME
NET EXPANSION OF MSM CREDIT BASED ON ECONOMIC SECTORS .I.3.B
2011 2010
s.d Okt
10,814.6 506.2 799.5 9,371.0 -114.9
I.3.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT SEKTOR EKONOMI Net Ekspansi
s.d Sept
2012 s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
Net Expansion
1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, Gas dan Air 5. Perdagangan, Konstruksi 6. restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia Usaha 9. Jasa Sosial 10. Lain-lain
-4,826.0 2,816.3 11,330.4 273.4 2,635.8 8,422.2
9,506.2 1,994.6 15,024.8 361.0 4,468.9 40,640.4
-1,443.2 481.1 -2,434.0 -200.4 -2,249.7 -10,639.4
1,266.6 100.6 -2,737.0 -243.2 -1,697.6 -3,152.6
2,324.7 759.0 -1,313.2 -268.3 -1,374.8 2,940.7
2,066.5 1,648.0 3,115.1 -191.9 -342.1 10,887.8
6,471.4 1,607.4 2,416.0 -93.1 1,084.6 18,672.1
11,275.3 2,778.7 5,573.7 38.4 2,854.2 39,035.6
11,504.6 4,626.0 7,485.5 130.5 4,055.3 46,649.2
7,777.4 1,090.7 5,055.4 88.6 4,781.1 39,562.9
12,064.5 2,995.8 7,089.5 181.3 6,789.4 46,643.2
12,365.7 2,255.1 8,199.3 172.7 7,479.1 48,421.5
13,193.2 4,697.4 8,067.4 200.6 7,950.1 52,739.1
14,840.7 8,150.9 10,518.1 221.2 5,515.3 61,376.5
3,672.2 9,667.7 21,759.1 139,056.3
-816.6 21,389.6 58,438.4 79,142.9
253.5 -5,578.5 -13,288.1 -2,343.7
114.4 -13,776.1 -2,470.1 9,101.6
453.1 -11,846.7 -739.8 20,211.6
817.5 -5,244.2 16,622.7 5,625.8
938.1 -8,814.9 -4,400.6 38,887.5
1,578.3 -4,396.1 -14,376.5 51,859.2
3,134.1 -2,862.8 -16,781.9 58,810.3
2,754.5 5,803.1 -26,246.5 80,978.0
3,110.6 352.5 -22,752.0 87,770.8
3,371.9 1,664.7 -22,466.2 100,764.3
2,769.5 3,844.2 -22,534.8 110,808.1
3,107.9 3,600.8 -23,005.6 123,944.6
Net Ekspansi Kredit MKM
194,807.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.5
96,220.7
116,750.7
121,645.4
144,245.8
162,228.0
181,734.7
208,270.3 Total Net Expansion of MSM
230,150.3
Agriculture,hunting and agricultural facilities Mining Manufacturing Industry Electricity, Gas & Water Construction Trade, restaurants and hotels Transportation, cargo storage and communication Business Services Social Services Others
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp) I.4.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT JENIS PENGGUNAAN
NET EXPANSION OF MSMEs CREDIT BASED ON TYPE OF USE. I.4.A
2011 Net Ekspansi
2010
Kredit Modal Kerja
s.d Des
2012 s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
Net Expansion
Kredit Investasi TidakTeridentifikasi
60,601.1 24,989.9 -3.3
-36,935.9 561.5 2.2
-10,203.4 1,112.2 4.4
-5,223.3 6,513.0 -0.3
6,611.2 5,202.8 16.9
18,312.9 8,692.4 0.0
37,145.5 13,386.7 -1.9
36,704.7 13,392.7 -4.1
20,346.7 12,963.5 -4.1
22,034.6 10,124.8 -4.1
30,193.8 12,570.3 -4.0
42,309.7 19,675.2 -4.0
50,648.4 Working Capital Credit 21,695.1 Investment Credit -4.0 Unidentified
Net Ekspansi Kredit UMKM
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1
32,155.3
42,760.0
61,980.8
72,339.5 Total Net Expansion of MSME
I.4.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT JENIS PENGGUNAAN
NET EXPANSION OF MSM CREDIT BASED ON TYPE OF USE. I.4.B
2011 Net Ekspansi Kredit Modal Kerja Kredit Investasi Kredit Konsumsi Net Ekspansi Kredit MKM
2010
s.d Des
2012 s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Nov
s.d Des
75,408.3 32,836.6 121,905.4
-35,461.0 444.8 -2,426.2
-23,527.9 1,017.3 9,017.2
-15,915.4 7,136.8 19,924.9
2,581.2 7,152.9 25,270.8
8,189.6 10,063.9 38,514.8
30,663.4 14,115.9 51,441.3
39,995.2 18,200.9 58,554.7
23,778.5 17,271.6 80,595.3
36,979.1 20,102.7 87,164.0
40,965.6 20,965.5 100,296.9
47,191.9 24,192.8 110,350.0
60,059.9 Working Capital Credit 24,882.4 Investment Credit 123,328.0 Consumer Credit
194,807.3
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
121,645.4
144,245.8
162,228.0
181,734.7
208,270.3 Total Net Expansion of MSM
I.5.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KELOMPOK BANK
NET EXPANSION OF MSMEs CREDIT BASED ON GROUP OF BANKS .I.5.A
2011 Net Ekspansi
2010
s.d Des
s.d Sept
Net Expansion
s.d Okt
76,764.9 21,167.7 96,874.7
2012 s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
Net Expansion
Bank Persero
49,729.6
-25,386.4
-6,348.4
-3,731.2
-3,954.1
5,688.5
22,545.6
25,218.5
10,511.5
3,658.2
7,553.2
11,537.1
Bank Swasta Nasional Devisa
27,093.7
-7,736.7
-5,964.1
-672.9
6,824.0
3,928.5
9,043.1
2,971.1
2,935.5
5,460.0
11,469.4
26,240.5
20,216.0 State Owned BanksPrivate National Foreign Exchange 28,806.4 Banks
Bank Swasta Nasional Non Devisa BPD Bank Campuran Bank Asing BPR/BPRS
5,907.5 -26.2 -1,254.3 64.1 4,073.3
550.6 -1,269.3 -5.7 -2,858.2 333.6
833.8 5,211.1 -156.5 -2,914.6 251.9
1,604.0 6,357.5 -479.1 -2,931.1 1,142.3
2,701.0 7,319.0 88.8 -3,001.9 1,854.1
3,319.0 8,773.3 280.8 2,748.0 2,266.0
4,121.0 11,253.3 370.6 699.8 2,496.9
4,710.0 11,879.5 431.6 2,031.1 2,851.5
5,098.4 13,147.9 923.1 -2,863.4 3,553.1
6,315.8 13,819.8 1,581.7 -2,748.3 4,068.1
6,741.3 14,280.8 1,617.9 -2,782.1 3,879.6
5,478.8 15,179.6 2,475.2 -2,771.2 3,840.7
5,950.9 13,767.8 2,098.8 -2,607.3 4,107.0
Net Ekspansi Kredit UMKM
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1
32,155.3
42,760.0
61,980.8
72,339.5 Total Net Expansion of MSME
I.5.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT KELOMPOK BANK
NET EXPANSION OF MSM CREDIT BASED ON GROUP OF BANKS .I.5.B
2011 Net Ekspansi
2010
s.d Des
2012 s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
Bank Persero
58,856.5
71,632.7
-28,893.2
-3,407.1
3,414.2
9,892.7
16,706.1
29,437.7
37,515.2
41,240.0
50,956.4
58,401.2
68,634.1
Bank Swasta Nasional Devisa
78,093.3
90,369.3
-1,004.9
4,654.8
13,723.8
24,510.1
31,174.1
45,427.6
52,249.8
51,055.7
56,960.2
61,971.4
65,634.4
Bank Swasta Nasional Non Devisa BPD Bank Campuran Bank Asing BPR/BPRS
11,523.7 18,885.7 12,082.5 9,955.2 5,410.4
17,210.8 28,462.9 8,550.1 8,384.3 5,540.2
735.1 -370.9 -8,977.9 602.2 467.1
1,687.9 2,026.6 -7,729.8 -11,505.1 779.3
3,189.6 5,541.2 -7,971.3 -8,557.8 1,806.6
4,593.1 9,693.9 -8,266.3 -8,325.0 2,906.4
6,314.0 13,951.0 -8,827.9 -6,350.1 3,801.0
8,263.0 18,921.4 -8,352.8 -2,246.9 4,770.9
10,277.3 22,134.8 -7,961.1 -3,398.0 5,932.7
11,476.6 24,761.0 -8,667.3 -5,115.9 6,895.3
13,056.7 28,144.4 -8,575.4 -3,529.1 7,232.6
14,506.7 32,246.0 -8,443.8 -4,245.6 7,792.2
16,038.3 35,251.3 -8,361.3 -3,615.4 8,153.3
194,807.3
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
121,645.4
144,245.8
162,228.0
181,734.7
Net Ekspansi Kredit MKM
Non Foreign Exchange Private National Banks Regional Development Banks Joint Venture Banks Foreign Owned Banks Conventional/Islamic Rural Banks
s.d Des
Net Expansion
86,824.3 State Owned Banks Foreign Exchange Private National 71,904.8 Banks Non Foreign Exchange Private 16,938.4 National Banks 35,791.2 Regional Development Banks -8,753.6 Joint Venture Banks -3,491.6 Foreign Owned Banks 9,056.8 Conventional/Islamic Rural Banks 208,270.3 Total Net Expansion of MSM
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp)
I.6.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT LOKASI PROYEK DI PROPINSI
NET EXPANSION OF MSMEs CREDIT BASED ON MAIN PROJECT LOCATIONS .I.6.A
2011 Net Ekspansi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
Jawa Barat Banten DKI Jakarta Raya D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi N. Aceh Darussalam Sumatera Utara
2010
s.d Des
2012 s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
Net Expansion West Java Banten DKI Jakarta Raya Yogyakarta Central Java East Java Bengkulu Jambi N. Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Riau Islands Bangka Belitung Lampung South Borneo West Borneo East Borneo Central Borneo Central Sulawesi South Sulawasi North Sulawesi West Sulawesi Gorontalo Southeast Sulawesi West Nusa Tenggara Bali East Nusa Tenggara Maluku Papua North Maluku West Papua Foreign Banks Unidentified
Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Bank Diluar Negeri Tidak Teridentifikasi
18,710.7 3,392.0 -23,432.3 2,026.9 16,156.4 13,076.8 1,285.5 2,589.3 1,672.6 7,799.7 2,984.1 4,372.5 1,777.1 4,508.3 866.4 2,181.0 2,144.5 2,892.1 1,398.2 1,522.7 1,849.6 4,948.9 1,847.8 862.2 939.9 1,367.0 1,630.6 4,219.6 671.2 601.1 1,694.1 566.8 952.5 -172.7 -4,315.6
-3,451.3 -1,659.3 -7,358.6 -1,071.5 -5,972.9 -6,152.0 -67.6 -258.7 -327.1 -2,218.3 -297.9 -906.5 -55.8 -186.5 -208.4 -454.6 -166.8 -533.1 -796.0 -128.1 -288.8 -761.4 -211.6 -37.6 -28.0 -72.2 -565.6 -1,216.9 -138.4 -83.5 -347.6 -9.9 -128.5 14.8 -225.7
769.2 -444.6 -3,743.9 -101.6 -253.6 -2,448.4 41.2 -81.0 -213.5 -1,031.2 -87.8 -5.7 398.1 0.8 -146.7 -276.8 -36.6 -97.5 -473.3 -28.9 -184.4 -349.1 -100.1 -1.4 39.5 55.2 68.7 -55.4 -64.6 -41.1 -211.5 38.3 -15.7 35.4 -38.9
482.0 -93.0 -1621.5 48.9 1275.7 -1386.3 115.6 101.7 -97.6 -516.5 77.1 311.5 698.4 158.4 -193.0 534.2 200.0 103.7 3.8 53.8 -84.4 49.4 139.5 28.4 94.9 106.9 299.1 246.0 70.1 -4.8 -25.7 91.6 40.1 45.9 -64.4
1,941.0 1,473.0 628.7 129.6 1,334.7 -104.9 167.1 101.8 140.9 -74.9 406.2 569.1 854.7 552.0 -24.7 727.4 216.1 180.0 184.7 259.8 -66.2 118.7 60.9 198.1 53.6 186.9 495.0 829.1 242.0 -11.6 72.7 93.8 60.2 37.6 -202.3
4,052.9 514.8 2,031.0 492.6 3,288.8 2,057.4 299.1 551.1 243.6 2,736.8 910.7 747.9 1,643.4 557.7 140.3 815.0 457.5 184.6 511.5 499.1 238.8 318.5 162.6 238.1 106.9 382.4 697.4 1,097.0 323.2 99.3 267.8 192.1 184.3 83.1 -123.2
6,720.6 1,445.5 5,921.1 678.3 5,705.0 4,705.0 441.9 949.6 863.3 3,553.3 1,421.8 1,321.9 2,111.7 987.0 253.8 949.7 960.5 612.3 1,473.9 649.9 519.5 1,243.6 926.2 307.5 411.6 769.7 984.0 1,814.2 515.0 187.9 459.1 355.4 330.6 96.7 -116.7
6,673.0 1,268.5 4,685.5 850.0 5,910.7 3,136.1 423.8 947.5 1,392.1 4,709.6 1,617.3 1,403.8 2,183.4 1,031.7 253.3 505.9 893.3 702.8 1,333.1 760.6 528.2 1,138.6 800.6 327.8 490.4 825.2 1,110.8 2,087.8 521.4 135.5 586.5 372.3 396.9 48.7 40.7
6,084.8 1,160.5 706.4 753.1 4,664.3 1,387.7 246.8 665.8 1,210.3 2,177.7 1,431.7 1,231.7 1,949.2 966.5 118.8 -9.8 770.9 635.1 1,475.6 634.2 -27.8 254.9 74.2 98.4 93.9 389.3 947.3 2,033.9 364.4 -163.1 388.0 100.5 422.8 13.7 54.6
3,995.7 1,051.4 341.8 927.4 5,497.2 -326.4 355.0 741.3 542.0 2,271.8 1,473.7 1,095.2 2,157.8 656.7 -207.7 1,275.7 1,106.8 952.1 1,480.5 721.4 39.3 -171.8 -168.1 196.1 104.1 503.9 1,039.5 2,628.8 495.8 171.2 590.2 102.3 464.0 27.1 23.4
6,111.8 1,557.9 3,244.4 911.8 6,692.0 301.1 464.7 844.2 562.1 3,284.0 1,673.1 1,344.4 2,390.1 772.4 28.1 781.3 1,237.7 965.0 1,526.7 783.7 110.9 247.6 -136.6 222.8 86.5 682.2 1,141.5 3,051.1 546.7 17.9 642.7 91.7 491.0 86.7 0.8
8,961.0 2,555.1 10,124.8 1,098.9 7,460.1 2,260.6 473.2 983.9 556.7 4,517.2 1,869.9 1,971.2 2,760.3 1,007.4 64.3 1,189.4 1,879.0 1,109.9 2,350.3 835.6 185.5 381.7 -90.9 229.0 112.6 731.9 1,203.4 3,196.0 583.7 -3.4 709.3 97.7 536.4 88.8 -9.6
10,210.0 2,965.5 10,932.3 1,310.6 8,742.6 4,269.2 512.7 1,151.8 559.7 4,835.8 2,001.9 2,172.2 2,737.0 1,113.6 386.7 1,304.4 1,793.0 1,463.9 2,187.2 867.1 381.8 1,531.2 -77.2 242.1 121.1 864.5 1,430.1 4,011.5 675.9 53.1 722.5 127.5 625.8 110.1 2.1
Net Ekspansi Kredit UMKM
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1
32,155.3
42,760.0
61,980.8
72,339.5 Total Net Expansion of MSME
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp)
I.6.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT LOKASI PROYEK DI PROPINSI
NET EXPANSION OF MSM CREDIT BASED ON 10 MAIN PROJECT LOCATIONS. I.6.B
2011 Net Ekspansi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34
2010
Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi D.I. Aceh Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kep. Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Luar Indonesia
18,238.3 12,684.5 110,813.9 142.2 5,348.0 10,040.8 347.3 496.1 1,380.4 3,821.2 2,295.4 3,188.6 2,940.9 1,147.6 2,162.6 1,457.0 1,976.2 110.1 3,383.3 691.1 933.7 3,198.3 721.5 -454.4 86.9 -1,923.2 477.9 3,030.0 2,856.4 387.7 206.7 130.3 -474.9 1,265.0
Net Ekspansi Kredit MKM
194,807.3
s.d Des
46,719.1 13,577.5 -50,123.4 3,753.3 28,052.3 33,638.6 2,768.7 5,995.2 4,497.9 15,768.4 7,241.1 9,411.2 9,345.0 4,141.8 1,760.1 6,642.1 5,347.9 5,056.2 7,709.6 3,053.5 4,783.8 13,246.2 3,366.9 1,861.7 3,697.4 3,740.4 4,277.6 8,254.3 3,454.7 1,609.7 3,238.4 1,335.9 2,112.5 10,814.7 230,150.3
1
2012 s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Ags
s.d Sept
s.d Okt
s.d Nov
133.3 -1,102.7 -16,962.2 -88.5 -10.5 -383.0 638.0 174.1 -85.2 538.7 132.3 456.3 416.2 107.3 -111.7 412.1 89.2 245.2 -72.2 26.7 132.2 316.2 -204.9 84.0 209.2 237.1 163.7 355.6 13.6 122.5 -35.8 69.6 30.0 460.2
3,015.6 -32.3 -11,128.8 147.6 1,824.4 2,230.7 807.9 579.2 205.4 1,771.6 646.8 1,116.9 1,012.5 461.4 311.5 867.9 471.9 747.3 613.8 155.7 357.9 1,030.2 83.5 161.6 345.3 419.0 501.6 962.4 260.2 212.5 253.0 158.0 188.7 385.3
5,519.0 940.3 -3,660.3 357.1 3,164.6 5,410.6 971.3 780.7 348.8 3,126.7 1,107.3 1,826.7 1,609.0 660.2 27.3 1,288.2 720.5 1,093.8 1,094.3 328.2 575.5 1,845.3 316.8 141.1 425.1 610.2 794.2 1,528.3 475.7 263.4 547.5 191.7 282.4 293.4
9,090.2 2,421.4 -2,286.9 614.1 5,676.6 7,711.9 1,167.3 1,144.1 551.5 4,424.6 1,617.3 2,439.1 2,125.5 985.0 173.3 1,714.6 981.4 1,457.9 1,665.0 515.6 821.8 2,528.0 668.4 226.4 519.2 840.7 1,091.3 2,260.2 802.8 360.3 887.9 306.6 408.5 856.8
14,862.8 4,487.5 5,864.2 1,017.4 8,313.7 12,067.7 1,424.7 1,692.0 857.9 6,951.5 2,270.8 3,631.3 2,936.4 1,432.3 342.2 2,056.4 1,520.4 1,962.1 2,598.8 2,489.0 1,170.5 3,687.2 1,323.7 337.3 560.9 1,049.5 1,519.5 3,139.6 1,154.8 481.7 1,345.2 441.4 622.4 607.7
17,855.6 6,562.7 9,319.9 1,315.4 9,698.2 14,843.2 1,514.8 2,148.7 993.1 7,063.7 2,560.9 4,010.5 3,434.0 1,759.0 410.6 2,483.6 1,780.2 2,269.9 3,158.6 2,625.8 1,395.3 4,077.7 1,414.3 385.2 651.3 1,193.6 1,724.0 3,782.6 1,298.3 523.8 1,569.3 489.7 668.8 1,768.3
20,904.0 9,400.2 152.9 1,701.9 12,143.5 15,416.1 1,591.8 2,126.6 1,095.3 7,754.6 2,741.3 3,983.4 3,696.8 2,041.7 499.3 2,628.2 2,128.3 2,561.4 3,496.7 2,730.9 2,095.2 4,623.3 1,152.9 557.8 750.4 1,446.3 1,908.1 4,443.9 1,530.7 576.7 1,895.7 510.5 777.5 583.3
23,716.2 9,594.8 7,526.9 1,942.8 13,494.3 17,315.8 1,702.8 2,458.8 1,303.7 8,449.9 3,111.4 4,430.7 4,340.9 2,265.5 592.2 2,987.5 2,518.0 2,838.9 4,313.8 3,001.0 2,419.0 5,343.9 1,597.2 630.1 906.1 1,645.6 2,149.2 5,280.9 1,777.9 674.7 2,190.8 612.6 868.7 243.1
26,325.2 11,839.5 7,711.5 2,214.0 15,808.5 18,978.5 1,784.2 2,768.7 1,448.3 9,942.5 3,388.6 4,713.8 4,732.0 2,470.2 672.7 3,169.2 2,811.8 3,204.3 4,794.2 3,105.2 2,338.4 6,228.5 2,294.4 703.2 990.9 1,808.7 2,373.0 5,973.1 1,918.6 771.4 2,397.3 660.4 962.4 924.7
28,852.9 11,976.7 14,211.4 2,544.8 17,380.7 20,356.6 1,911.0 2,982.8 1,532.7 10,591.0 3,731.6 4,924.7 5,150.3 2,744.4 741.5 3,369.6 3,062.0 3,544.2 5,400.5 3,229.8 2,559.0 6,918.4 2,643.3 745.5 1,092.2 1,956.6 2,666.5 6,600.3 2,074.9 840.5 2,612.3 722.1 1,057.6 1,006.3
-37,442.5
-13,493.4
11,146.2
35,004.9
56,768.3
96,220.7
116,750.7
121,645.4
144,245.8
162,228.0
181,734.7
Sumber data: Bank Indonesia (Grup Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS. - Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit dan data BPRS.
s.d Des
32,575.7 13,450.8 21,505.7 2,849.5 19,954.4 23,095.3 2,077.2 3,280.6 1,641.5 11,528.8 4,158.4 5,222.9 5,329.2 2,917.6 891.1 3,735.5 3,556.4 3,746.8 5,762.2 3,336.4 2,880.1 7,865.3 2,956.4 793.7 1,207.1 2,234.9 2,943.3 7,758.7 2,121.9 998.0 2,810.7 800.2 1,172.0 1,111.9
Net Expansion West Java Banten DKI Jakarta Raya Yogyakarta Central Java East Java Bengkulu Jambi N. Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Riau Islands Bangka Belitung Lampung South Borneo West Borneo East Borneo Central Borneo Central Sulawesi South Sulawasi North Sulawesi West Sulawesi Gorontalo Southeast Sulawesi West Nusa Tenggara Bali East Nusa Tenggara Maluku Papua North Maluku West Papua Outside Indonesia
208,270.3 Total Net Expansion of MSM
1
Data source: Bank Indonesia (Group of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs), processed from Commercial Banks' Monthly Reports and Rural Banks/Islamic Rural Banks' Monthly Report. MSM Credit not included credit to credit card holders; while total credit and non MSM Credit included credit to credit card and Islamic Rural Banks -
- Net Ekspansi adalah hasil pengurangan antara baki debet pada akhir bulan berjalan dengan baki debet pada akhir tahun sebelumnya (sudah memperhitungkan pelimpahan dan angsuran) - Untuk Kredit UMKM : Belum termasuk Bank Umum Syariah (BUS) , tetapi sudah termasuk BPR data Desember 2012 dan BPRS menggunakan data Oktober 2012. - Untuk Kredit MKM : s.d Desember 2010 termasuk BUS dan BPR/BPRS, menggunakan nilai nominal (Nominal Value); sejak 2011 termasuk BUS dan BPR (tidak termasuk BPRS), menggunakan nilai pasar (Fair Value). Pada posisi Desember 2012, data BPR mengunakan data Desember 2012 - Sudah termasuk net ekspansi BPR/BPRS Rencana Bisnis Bank untuk Kredit MKM 2010 (revisi) = Rp172,9 T. Rencana Bisnis Bank untuk Kredit UMKM 2011 (revisi) = Rp128,2 T. Rencana Bisnis Bank untuk Kredit UMKM 2012 = Rp150,9 T.
s.d Juli
-1,967.3 -2,058.6 -9,985.9 -1,447.7 -6,968.7 -6,640.1 51.4 -10.5 -276.3 -1,410.2 -204.4 -733.9 -256.9 -54.7 8.6 54.6 -107.5 -753.2 -701.7 -73.8 -129.0 -720.1 -247.6 2.8 29.2 29.4 -1,354.9 -1,303.6 -150.8 47.9 -213.0 -2.4 -105.0 211.1
Net expansion is the subtraction of credit outstanding in one period to the end period of previous year credit outstandingMSMEs Credit : not included Islamic Commercial Banks but included Conventional Rural Banks and Islamic Rural Banks . On December 2012, Conventional Rural bank using data of Desember 2012 and Islamic Rural Bank is using data of Oktober 2012.MSM Credit until Dec 2010 included Islamic Commercial Banks and Conventional Rural Banks/Islamic Rural Bank is using nominal value; Since January 2011 included Islamic Commercial Banks and Conventional Rural Banks using Fair value. On December 2012, Conventional Rural Bank using data of December 2012.Revised Business Plan of Micro, Small, and Medium (MSM) Credit 2010 = IDR172,9 trillion. Revised Business Plan of Micro, Small, and Medium Enterprises(MSMEs) Credit 2011 = IDR128.2 trillion. Business Plan of Micro, Small, and Medium Enterprises (MSMEs) Credit 2012 = IDR150.9 trillion.
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN 1 NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS 1 (Miliar / Billion Rp)
