Statistik Perbankan Syariah (Islamic Banking Statistics)
OKTOBER 2011 OCTOBER
i
KATA PENGANTAR
FOREWORD
The Islamic Banking Statistics is a
Statistik Perbankan Syariah (SPS) merupakan
media
publikasi
menyediakan
informasi
media
yang
mengenai
Industry
ekstern mengenai kegiatan
In
pihak
memberikan
sarankan
agar
readers
pemahaman
pembaca
optimal
bagi
get
a
better
go
through
the
clarification,
benefit to our readers. For questions or suggestions, kindly send
agar
email
data
pembaca.
to:
[email protected]
yang disajikan dapat memberikan manfaat yang
to
We hope that this publication gives
terlebih
serta daftar istilah yang ada. mengharapkan
order
abbreviations and glossary.
dahulu memahami penjelasan, singkatan Kami
monthly
this publication, we suggest that the
yang tepat terhadap data yang disajikan, kami
This
understanding about the data presented in
perbankan
syariah beserta perkembangannya. Guna
Indonesia.
accomodate the needs of the stakeholders.
disusun untuk memenuhi kebutuhan intern kebutuhan
in
of Islamic Banking, Bank Indonesia, to
Perbankan Syariah - Bank Indonesia dan dan
provides
publication is published by the Directorate
diterbitkan setiap bulan oleh Direktorat
Indonesia
that
information regarding the Islamic Banking
data
perbankan syariah di Indonesia. Statistik ini
Bank
publication
Apabila
pembaca ingin menyampaikan pertanyaan atau masukan, silakan menghubungi kami melalui
email: Directorate of Islamic Banking
[email protected]
BANK INDONESIA
Direktorat Perbankan Syariah BANK INDONESIA
i i
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
DAFTAR ISIISI DAFTAR
CONTENTS page
Kata Pengantar .........................................................................................................................
i
Foreword Daftar Isi ...................................................................................................................................
ii
Contents Penjelasan .................................................................................................................................
vii
Clarification Daftar Singkatan .......................................................................................................................
viii
Abbreviations Daftar Istilah ..............................................................................................................................
ix
Glossary Tab. 1
(Islamic Banking Network)................................................................................................................ Jaringan
Kantor
Perbankan
Syariah
1
Tab. 2
Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking 2
Tab. 3
Network)................................................................................................................ 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
6
Tab. 7
Commercial Bank dan Islamic Business Unit Condensed Balance Sheet)................. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet).....................................................................................
7
Tab. 8
dan Unit Usaha Syariah (Islamic
Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah
(Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) Tab. 9
Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank
Condensed Income Statement................................................................................ Tab. 10
8 9
Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank
Tab. 11 Tab. 12
and Islamic Business Unit)....................................................................................... Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost
10
of Promotion, Education and Training - Islamic Rural Bank)....................................
11
Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance
Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)......................
ii
12
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Tab. 13
Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet
Account - Islamic Rural Bank )............................................................................... Tab. 14
Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds
Composition of Islamic Commercial Bank and Islamic Business Unit)....................... Tab. 15
16
Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah
(Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)..... Tab. 18
15
Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah
(Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit).. Tab. 17
14
Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition
of Islamic Rural Bank)........................................................................................... Tab. 16
13
Komposisi Pembiayaan Yang Diberikan Bank Umum
17
Syariah dan Unit Usaha
Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business
Unit)....................................................................................................................... Tab. 19
Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah
(Financing Composition of Islamic Rural Bank........................................................ Tab. 20
18 19
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Economic Sector).............................................................................................. Tab. 21
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Rural Bank based on Economic Sector)................................... Tab. 22
21
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector)....................................
Tab. 23
20
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)........................................................................................ Tab. 24
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Rural Bank based on Type of Usage)...................................... Tab. 25
23 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) ................................................................................. Tab. 26
Pembiayaan
-
Bank
Pembiayaan
Rakyat
Syariah berdasarkan
Golongan
Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing).............. Tab. 27
25 26
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit
based on Collectibility)............................................................................................ Tab. 28
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility).......................................... Tab. 29
27
Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi
(Non Performing Financing of Islamic Commercial Bank and iii
28
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Islamic Business Unit based on Economic Sector)................................................... Tab. 30
29
Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic
Sector).................................................................................................................... Tab. 31
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)......................................... Tab. 32
31
Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of
Usage)................................................................................................................... Tab. 33
Pembiayaan Non Lancar -
32
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)................ Tab. 34
Pembiayaan Non Lancar -
33
Bank Pembiayaan Rakyat Syariah berdasarkan
Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Tab. 35 Tab. 36
Type of Financing).................................................................................................. Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account
34
of Islamic Commercial Bank and Islamic Business Unit)............................................
35
Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic
Rural Bank)............................................................................................................. Tab. 37
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)...........................................................
37
Tab. 38
Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah 38
Tab. 39
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )............... Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)................................................
39
Tab. 40
Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural
Bank)......................................................................................................................
40
Tab. 41
Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of 41
Tab. 42
Islamic Rural Bank based on Total Assets)............................................................... Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money ...............................................................................................................
42
Tab. 43
Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of
IMA Certificate)...................................................................................................... Tab. 44
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
iv
43
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Commercial Bank and Islamic Business Unit based on Province)............................. Tab. 45
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)................................................................................................................ Tab. 46
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)........................................................ Tab. 47
46
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and
Province)................................................................................................................ Tab. 48
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).............................................. Tab. 49
48
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank
based on Type of Usage and
Province)................................................................................................................ Tab. 50
47
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).............. Tab. 51
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)...................................................................................... Tab. 52
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 Grafik 1 Grafik 2
City/District)........................................................................................................... Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor
52
Funds and Financing - Islamic Commercial Bank and Islamic Business Unit).............
53
Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and
Financing - Islamic Rural Bank)............................................................................... Grafik 3
54
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 )..........................................................
55
Grafik 4
FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR 56
Grafik 5
and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank)................ Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds Islamic Commercial Bank and Islamic Business Unit)................................................
57
Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural
58
Grafik 6
v
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 7
Bank)..................................................................................................................... Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds
Grafik 8 Grafik 9
-
Islamic
Commercial
Bank
and
Islamic
Business
Unit)....................................................................................................................... Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic
59
Rural Bank).............................................................................................................
60
Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend
of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)......... Grafik 10
Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing
and NPF Grafik 11
61
Islamic Rural Bank)................................................................................
62
Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah
(Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Grafik 12
Unit)....................................................................................................................... Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of
63
BOPO, ROA and ROE - Islamic Rural Bank)..............................................................
64
1. Data
PENJELASAN
yang
digunakan
dalam
SPS
bersumber dari Laporan Bulanan Bank Umum
vi
Syariah
(LBUS)
dan
Laporan
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Bulanan Bank Pembiayaan Rakyat Syariah
2. Non Performing Financing data is shown
(LapBul BPRS) kecuali dinyatakan lain.
as the gross non performing financing
2. Data Non Performing yang ditampilkan
that is without taking into account the
merupakan Non Performing gross yaitu
reserve formed in anticipation of the risk
tanpa memperhitungkan penyisihan yang
of losses.
dibentuk
untuk
mengantisipasi
3. Data downloading process.
risiko
Data of the Islamic Bank and Islamic Rural
kerugian.
Bank Monthly Report is submitted by
3. Proses download data. Data
LBUS
dan
LapBul
BPRS
reporting banks to Bank Indonesia and is
yang
disampaikan bank pelapor kepada Bank
processed
Indonesia diproses pada server web LBUS
difference in the processing time may
dan LapBul BPRS.
Perbedaan waktu
result in variations of the data published
proses data LBUS dan LapBul BPRS dapat
in this Islamic Banking Statistics compared
menyebabkan
to
perbedaan
antara
data
on
other
the
published
web
server.
data.
The
Therefore,
yang dipublikasikan dalam SPS dengan
readers are recommended to take notice
publikasi
itu
of the data processing time. The data
pembaca dihimbau memperhatikan waktu
processing time of the May 2011 Islamic
proses data. Pemrosesan data SPS bulan
Banking Statistics is on July 22, 2011.
Mei 2011 dilakukan pada tanggal 22 Juli
4. The Islamic Banking Statistics can be
yang
lain.
Oleh
karena
viewed
2011. dilihat
melalui
website
Bank
Indonesia
website
www.bi.go.id.
4. Publikasi buku Statistik Perbankan Syariah dapat
on
Bank
Indonesia www.bi.go.id.
DAFTAR SINGKATAN CLARIFICATION
1. The data presented in the Islamic Banking Statistics is derived from the Islamic Bank and Islamic Rural Bank Monthly Reports unless mentioned otherwise. vii
UUS
:
Unit Usaha Syariah
BUS
:
Bank Umum Syariah
BPRS
:
Bank Pembiayaan Rakyat Syariah
PT
:
Perseroan Terbatas
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
BPD
:
Bank Pembangunan Daerah
BPD
:
Regional Government Bank
SWBI
:
Sertifikat Wadiah Bank Indonesia
SWBI
:
Wadiah Islamic Certificate of
SBIS
:
Sertifikat Bank Indonesia Syariah
UKM
:
Usaha Kecil dan Menengah
PPAP
:
Penyisihan Penghapusan Aktiva
Bank Indonesia SBIS
:
UKM
NPF
ROA
:
:
:
:
PPAP
:
:
Allowances for Earning Assets Losses
Financing to Deposit Ratio, yaitu rasio pembiayaan terhadap dana
PUAS
:
Interbank Islamic Money Market
pihak ketiga
FDR
:
Financing to Deposit Ratio
Non Performing Financing, yaitu
NPF
:
Non Performing Financing
rasio pembiayaan bermasalah
ROA
:
Return on Assets, that is the
terhadap total pembiayan
ratio of annualized earnings
Return on Assets, yaitu rasio
before taxes to average assets ROE
:
Return on Equity, that is the
(disetahunkan) terhadap total
ratio of annualized earnings
asset rata-rata
after taxes to average equity
Return on Equity, yaitu rasio laba
BOPO
:
setelah pajak (disetahunkan) BOPO
Small and Medium Scale Enterprise
laba sebelum pajak
ROE
:
Pasar Uang Antar Bank berdasarkan prinsip Syariah
FDR
Islamic Certificate of Bank Indonesia
Produktif PUAS
:
The ratio of Operational Expenses to Operational Revenue
terhadap total modal rata-rata
DPK
:
Depositor Funds
Rasio Biaya Operasional
PYD
:
Financing
terhadap Pendapatan
IDR
:
Indonesian Rupiah
Operasional DPK
:
Dana Pihak Ketiga
PYD
:
Pembiayaan yang Diberikan
DAFTAR ISTILAH
ABBREVIATIONS
GLOSARY UUS
:
Islamic Business Unit of a Conventional Bank
BUS
:
Islamic Commercial Bank
BPRS
:
Islamic Rural Bank
PT
:
Limited Liabilities Company
Akad Wadiah
:
Perjanjian
penitipan
viii
dana
atau
barang
dari
pemilik
kepada
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Wadiah Contract
penyimpan dana atau barang dengan kewajiban bagi pihak yang menyimpan untuk mengembalikan dana atau barang titipan sewaktuwaktu.
A contract between the owner of the goods (the money) and the custodian for safekeeping. Akad Mudharabah
:
Mudharaba Contract
Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul
maal) 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
:
Musharaka Contract
Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik dana 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
:
Murabaha Contract
Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar 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. Akad Salam
Salam Contract
:
Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara pemesanan dengan syarat-syarat tertentu dan pembayaran tunai terlebih dahulu secara penuh.
ix
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
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.
:
Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk
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. Akad Ijarah
:
Ijara Contract
Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang
dan/atau
jasa
antara
pemilik
obyek
sewa
termasuk
kepemilikan hak pakai 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
Akad Qardh
tanpa imbalan dengan kewajiban pihak peminjam mengembalikan
Qardh Contract
pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.
A loan in which the debtor is only required to repay the amount borrowed. Ekuivalen tingkat imbalan/ bagi
Indikasi
hasil/fee/bonus
penghimpunan dana bank pelapor.
Equivalent rate of
Indicative rate of return from Placement of Funds or Source of
return/profit
Funds of the reporting bank.
tingkat
imbalan
sharing/fee/bonus
x
dari
suatu
penanaman
dana
atau
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 1. J aring an K antor P erbankan S yariah (Is lamic B anking Network) 2005
2006
2007
2008
2010
2009 Oct
Nov
2011 Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
B an k Um u m Sy ar iah - J u m lah B an k - J u m lah Kan t o r
Islam ic Co m m e r c ial B an k 3
3
3
5
6
11
11
11
11
11
11
11
11
11
11
11
11
304
349
401
581
711
1,154
1,171
1,215
1,309
1,308
1,311
1,326
1,332
1,332
1,332
1,332
1,349
11 - Nu m b e r o f B an k s 1,365 - Nu m b e r o f Of f ic e s
Un it Usah a Sy ar iah - J u m lah B an k Um u m Ko n v e n sio n al y an g m e m ilik i UUS - J u m lah Kan t o r
Islam ic B u sin e ss Un it 20
26
27
25
23
23
23
23
23
23
23
23
23
23
23
23
154
183
196
241
287
237
239
262
298
298
300
300
300
300
300
300
303
327 - Nu m b e r o f Of f ic e s
92
105
114
131
138
148
149
150
151
151
152
153
153
154
155
154
154
154 - Nu m b e r o f B an k s
92
105
185
202
225
278
283
286
290
291
292
299
299
300
300
362
362
362 - Nu m b e r o f Of f ic e s
550
637
782
1,024
1,223
1,669
1,693
1,763
1,897
1,897
1,903
1,925
1,931
1,932
1,932
1,994
2,014
2,054 T otal Number of O ffic es
B an k P e m b iay aan Rak y at Sy ar iah - J u m lah B an k - J u m lah Kan t o r T otal K antor
23
- Nu m b e r o f Co n v e n t io n al B an k s t h at h av e Islam ic B u sin e ss Un it
19
Islam ic Ru r al B an k
1
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 2 . J aring an K antor Individual P erbankan S yariah (Individual Is lamic B anking Network) K elom pok B ank
B ank Um um S yariah
K P O /K C
K C P /UP S
KK
HO O /B O
S B O /S S U
CO
G roup of B anks
339
801
75
81
123
267
P T B an k Sy ar iah Me g a In d o n e sia
34
349
P T B an k Sy ar iah B RI
36
54
5
P T B an k Sy ar iah B u k o p in
10
5
- 5 P T B an k Sy ar iah B u k o p in
6
P T B an k P an in Sy ar iah
4
-
- 6 P T B an k P an in Sy ar iah
7
P T B an k Vic t o r ia Sy ar iah
6
2
8
P T B CA Sy ar iah
4
1
1
P T B an k Sy ar iah Mu am alat In d o n e sia
2
P T B an k Sy ar iah Man d ir i
3 4
9
P T B an k J ab ar d an B an t e n
10
P T B an k Sy ar iah B NI
11
P T May b an k In d o n e sia Sy ar iah Unit Us aha S yariah
214
Is lam ic C om m erc ial B ank
129 1 P T B an k Sy ar iah Mu am alat In d o n e sia 55 2 P T B an k Sy ar iah Man d ir i 7 3 P T B an k Sy ar iah Me g a In d o n e sia 12 4 P T B an k Sy ar iah B RI
- 7 P T B an k Vic t o r ia Sy ar iah 10 8 P T B CA Sy ar iah
8
13
- 9 P T B an k J ab ar d an B an t e n
38
29
1 10 P T B an k Sy ar iah B NI
1
-
- 11 P T May b an k In d o n e sia Sy ar iah
113
145
12
P T B an k Dan am o n
12
4
47
- 12 P T B an k Dan am o n
Is lam ic B us ines s Unit
13
P T B an k P e r m at a
11
11
- 13 P T B an k P e r m at a
14
P T B an k In t e r n asio n al In d o n e sia (B II)
- 14 P T B an k In t e r n asio n al In d o n e sia (B II)
15
P T CIMB Niag a
16
5
21
23
5
- 15 P T CIMB Niag a
H SB C, L t d .
5
-
- 16 H SB C, L t d .
17
P T B an k DK I
2
-
- 17 P T B an k DK I
18
B P D DIY
1
-
- 18 B P D DIY
19
B P D J aw a Te n g ah (J at e n g )
2
-
2 19 B P D J aw a Te n g ah (J at e n g )
20
B P D J aw a Tim u r (J at im )
1
3
21
B P D B an d a A c e h
2
11
22
B P D Su m at e r a Ut ar a (Su m u t )
4
1
23
B P D Su m at e r a B ar at (Su m b ar )
2
4
- 23 B P D Su m at e r a B ar at (Su m b ar )
24
B P D Riau
2
3
1 24 B P D Riau
25
B P D Su m at e r a Se lat an (Su m se l)
3
-
4 25 B P D Su m at e r a Se lat an (Su m se l)
26
B P D K alim an t an Se lat an (K alse l)
2
-
- 26 B P D K alim an t an Se lat an (K alse l)
27
B P D K alim an t an B ar at (K alb ar )
1
-
- 27 B P D K alim an t an B ar at (K alb ar )
28
B P D K alim an t an Tim u r (K alt im )
2
7
2 28 B P D K alim an t an Tim u r (K alt im )
29
B P D Su law e si Se lat an (Su lse l)
3
1
- 29 B P D Su law e si Se lat an (Su lse l)
30
B P D Nu sa Te n g g ar a B ar at (NTB )
1
-
- 30 B P D Nu sa Te n g g ar a B ar at (NTB )
31
P T B TN
21
7
- 31 P T B TN
32
P T B an k Tab u n g an P e n siu n an Nasio n al (B TP N)
3
67
33
P T OCB C NISP
4
-
- 33 P T OCB C NISP
34
P T B an k Sin ar m as
1
-
1 34 P T B an k Sin ar m as
37 20 B P D J aw a Tim u r (J at im ) - 21 B P D B an d a A c e h - 22 B P D Su m at e r a Ut ar a (Su m u t )
- 32 P T B an k Tab u n g an P e n siu n an Nasio n al (B TP N)
B ank P embiayaan R akyat S yariah
71
-
137
Is lamic R ural B ank
TOTAL
523
946
398
TOTAL
452
946
261
K e t e ra n g a n :
Note:
-
K P = K a n t o r P u sa t
-
H O = H ead O ffic e
-
UUS = Un it Usa h a Sy a ria h
-
IB U = Is lamic B anking Unit
-
K P O = K a n t o r P u sa t Op e ra sio n a l
-
H O O = H ead O perational O ffic e
-
K C = K a n t o r Ca b a n g
-
B O = B ranc h O ffic e
-
K CP /UP S = K a n t o r Ca b a n g P e m b a n t u / Un it P e la y a n a n Sy a ria h
-
S B O /S S U = S ub B ranc h O ffic e/S yari’a S ervic es Unit
-
KK = Kan to r Kas
-
C O = C as h O ffic e
-
Tid a k t e rm a su k La y a n a n Sy a ria h
-
Not Inc lude O ffic e C hanneling
2
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 3. J umlah B ank P embiayaan R akyat S yariah (B P R S ) B erdas arkan L okas i (Number of Is lamic R ural B ank bas ed on L oc ation) P rovins i
2005
2006
2007
2008
2010
2009 Oct
1 J aw a B ar at
2011
Nov
Dec
J an
F eb
Mar
Apr
May
P rovinc e
J un
J ul
Aug
S ep
Oct
26
28
28
28
27
27
27
28
28
28
28
28
28
28
27
27
27
27 1 We st jav a
2 B an t e n
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8 2 B an t e n
3 DKI J ak ar t a
0
0
1
1
2
2
2
2
2
2
2
2
2
2
2
2
2
4 D.I. Y o g y ak ar t a
2
3
6
9
9
10
10
10
10
10
10
10
10
10
10
10
10
10 4 D.I. Y o g y ak ar t a
5 J aw a Te n g ah
2 3 DKI J ak ar t a
8
11
13
15
19
21
21
21
21
21
21
21
21
21
21
21
21
21 5 Ce n t r al J av a
12
17
19
23
25
28
29
29
29
29
29
29
29
30
30
30
30
30 6 E ast J av a
7 B e n g k u lu
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2 7 B e n g k u lu
8 J am b i
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9 Nan g g r o e A c e h Dar u ssalam
5
5
5
6
7
10
10
10
10
10
10
10
10
10
10
10
10
10 9 Nan g g r o e A c e h Dar u ssalam
10 Su m at e r a Ut ar a
6
6
7
7
7
8
8
8
8
8
9
10
10
10
10
10
10
10 10 No r t h Su m at e r a
11 Su m at e r a B ar at
3
4
4
6
6
6
6
6
6
6
6
6
6
6
6
7
7
7 11 We st Su m at e r a
12 Riau
2
2
2
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4 12 Riau
13 Su m at e r a Se lat an
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 13 So u t h Su m at e r a
14 Ke p u lau an B an g k a B e lit u n g
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 14 B an g k a B e lit u n g
15 Ke p u lau an Riau
0
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 15 Riau Islan d s
16 L am p u n g
3
3
3
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6 16 L am p u n g
17 Kalim an t an Se lat an
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 17 So u t h Kalim an t an
18 Kalim an t an B ar at
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 18 We st Kalim an t an
19 Kalim an t an Tim u r
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 19 E ast Kalim an t an
20 Kalim an t an Te n g ah
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 20 Ce n t r al Kalim an t an
21 Su law e si Te n g ah
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 21 Ce n t r al Su law e si
22 Su law e si Se lat an
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7 22 So u t h Su law e si
23 Su law e si Ut ar a
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 23 No r t h Su law e si
24 Go r o n t alo
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 24 Go r o n t alo
25 Su law e si B ar at
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 25 We st Su law e si
26 Su law e si Te n g g ar a
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 26 E ast We st Su law e si
27 Nu sa Te n g g ar a B ar at
2
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3 27 We st Nu sa Te n g g ar a
28 B ali
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 28 B ali
29 Nu sa Te n g g ar a Tim u r
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 29 E ast Nu sa Te n g g ar a
30 Malu k u
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 30 Malu k u
31 P ap u a
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1 31 P ap u a
32 Ir ian J ay a B ar at
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 32 We st Ir ian J ay a
33 Malu k u Ut ar a
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
92
105
114
131
138
148
149
150
151
151
152
153
153
154
153
154
154
6 J aw a Tim u r
T otal
3
0 8 J am b i
0 33 No r t h Malu k u 154 T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 4. L ayanan S yariah (O ffic e C hanneling) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
1
UUS B an k Dan am o n
0
7
70
70
80
137
137
137
137
137
137
137
137
137
137
137
137
137 1 UUS B an k Dan am o n
2
UUS B an k P e r m at a
0
212
184
186
192
192
192
192
192
192
192
192
192
192
192
192
192
192 2 UUS B an k P e r m at a
3
UUS B II
0
4
8
9
9
9
9
9
9
9
9
9
9
9
9
9
9
4
UUS B an k Tab u n g an Ne g ar a
0
27
36
64
116
116
116
116
116
116
116
116
116
116
116
116
116
116 4 UUS B an k Tab u n g an Ne g ar a
5
UUS CIMB Niag a
0
43
63
143
505
522
522
522
522
522
522
522
522
522
522
522
522
522 5 UUS CIMB Niag a
6
UUS B TP N
0
0
0
8
12
12
12
12
12
12
12
12
12
12
12
12
12
12 6 UUS B TP N
7
UUS H SB C
0
0
7
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10 7 UUS H SB C
8
UUS B P D DKI
0
10
21
33
34
34
34
34
34
34
34
34
34
34
34
34
34
34 8 UUS B P D DKI
9
UUS B P D B an d a A c e h
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10
UUS B P D Su m u t
0
0
63
76
84
84
84
84
84
84
84
84
84
84
84
84
84
84 10 UUS B P D Su m u t
11
UUS B P D Riau
0
0
8
33
37
37
37
37
37
37
37
37
37
37
37
37
37
37 11 UUS B P D Riau
12
UUS B P D Su m b ar
0
0
-
5
5
5
5
5
5
5
5
5
5
5
5
5
5
13
UUS B P D Su m se l
0
0
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41 13 UUS B P D Su m se l
14
UUS B P D J at e n g
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 14 UUS B P D J at e n g
15
UUS B P D DIY
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 15 UUS B P D DIY
16
UUS B P D J at im
0
0
0
0
37
37
37
37
37
37
37
37
37
37
37
37
37
37 16 UUS B P D J at im
17
UUS B P D Kalse l
0
0
10
10
15
15
15
15
15
15
15
15
15
15
15
15
15
15 17 UUS B P D Kalse l
18
UUS B P D Kalb ar
0
0
0
1
5
5
5
5
5
5
5
5
5
5
5
5
5
5 18 UUS B P D Kalb ar
19
UUS B P D Kalt im
0
0
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10 19 UUS B P D Kalt im
20
UUS B P D Su lse l
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
UUS B P D Nu sa Te n g g ar a B ar at
0
0
1
10
11
11
11
11
11
11
11
11
11
11
11
11
11
22
UUS OCB C NISP
0
0
0
0
0
0
0
0
0
0
0
0
0
0 22 UUS OCB C NISP
23
UUS B an k Sin ar m as
0
0
0
0
0
0
0
0
0
0
0
0
0
0 23 UUS B an k Sin ar m as
24
UUS B NI
0
136
636
640
641
25
UUS B P D J ab ar d an B an t e n
0
9
9
28
28
26
UUS B E I
0
0
0
0
27
UUS B u k o p in
0
7
27
29
28
UUS IF I
0
1
1
1
28 UUS IF I
29
UUS B RI
0
0
0
0
29 UUS B RI
30
UUS L ip p o
0
0
0
9 3 UUS B II
0 9 UUS B P D B an d a A c e h
5 12 UUS B P D Su m b ar
0 20 UUS B P D Su lse l 11 21 UUS B P D Nu sa Te n g g ar a B ar at
24 UUS B NI 25 UUS B P D J ab ar d an B an t e n 26 UUS B E I 27 UUS B u k o p in
30 UUS L ip p o
4
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 5. J umlah P ekerja di P erbankan S yariah (Number of Worker in Is lamic B anking) 2005
2006
2007
2008
2010
2009
2011
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
B an k Um u m Sy ar iah
3,523
3,913
4,311
6,609
10,348
14,708
14,858
15,224
15,748
16,269
16,774
17,045
17,369
19,518
19,796
19,457
20,758
Un it Usah a Sy ar iah
1,436
1,797
2,266
2,562
2,296
1,783
1,780
1,868
1,834
1,842
1,811
1,880
1,845
1,879
1,906
1,931
1,970
1,984
Islam ic B u sin e ss Un it
B an k P e m b iay aan Rak y at Sy ar iah
1,037
1,666
2,108
2,581
2,799
3,111
3,086
3,172
3,220
3,257
3,244
3,238
3,635
3,658
3,684
3,697
3,669
3,686
Islam ic Ru r al B an k
5
21,260 Islam ic Co m m e r c ial B an k
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR ) T abel 6 . Nerac a G abung an B ank Umum S yariah dan Unit Us aha S yariah (Is lamic C ommerc ial B ank and Is lamic B us ines s Unit C ondens ed B alanc e S heet) 2005
2006
2007
2008
2010
2009 Oct
1
Kas
2
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
226
346
488
759
1,017
1,310
1,484
1,453
1,479
1,345
1,297
1,271
1,323
1,448
1,431
1,881
1,830
P e n e m p at an p ad a B an k In d o n e sia
3,180
3,641
4,540
5,189
10,393
11,191
12,164
16,393
13,430
11,396
13,689
12,334
12,930
14,203
15,242
12,068
16,148
3
P e n e m p at an p ad a B an k L ain
1,058
991
1,667
1,978
3,036
3,640
4,001
4,138
3,580
3,617
3,793
3,295
3,379
3,506
3,435
4,313
3,716
4
Su r at B e r h ar g a y an g Dim ilik i
5
P e m b iay aan
6
Tag ih an L ain n y a
7
A k t iv a Ist ish n a d alam P e n y e le saian
8
P e n y isih an P e n y u su t an A .P
9
P e n y e r t aan
10 A k t iv a Te t ap d an in v e n t ar is 11 A n t ar k an t o r A k t iv a 12 Ru p a-r u p a A k t iv a T O T AL AK T IVA*
730
829
1,388
2,683
3,786
5,665
5,559
5,733
5,801
6,364
6,224
6,122
6,048
5,986
5,963
5,823
5,924
15,270
20,445
27,944
38,199
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
21
15
182
136
171
236
256
351
342
371
395
400
450
335
296
288
242
2
31
9
32
24
14
14
14
15
16
16
17
16
14
15
16
16
307
515
785
1,148
1,649
2,236
2,243
2,069
2,139
2,241
2,255
2,359
2,407
2,407
2,453
2,517
2,468
6
6
41
79
83
88
88
88
88
88
88
88
90
90
90
47
47
236
270
296
436
672
816
838
899
916
928
955
959
971
1,012
1,023
1,037
1,053
5,487
8,178
14,261
24,882
33,853
44,282
45,677
49,707
48,546
49,362
52,136
51,040
52,631
55,408
58,661
59,199
63,411
495
621
743
1,200
1,623
2,134
2,249
2,338
2,480
2,567
2,733
2,714
2,914
2,947
3,265
3,301
3,344
20,880
26,722
36,538
49,555
66,090
85,881
90,387
97,519
95,743
95,987
101,189
100,568
104,333
109,750
112,864
116,807
123,362
15,593
20,672
28,012
36,852
52,271
66,478
69,086
76,036
75,814
75,085
79,651
79,567
82,861
87,025
89,786
92,021
97,756
32
32
32
68
6
4
3
3
3
3
3
2
2
2
2
1
1
1,748 1 Cash 16,376 2 De p o sit in B an k In d o n e sia 3,661 3 P lac e m e n t in Ot h e r B an k 6,162 4 In v e st m e n t in Se c u r it ie s 96,805 5 F in an c in g 256 6 B illin g an d A c c e p t ab le L iab ilit ie s 15 7 Ist ish n a A sse t s in P r o g r e ss 2,508 8 A llo w an c e s f o r e ar n in g asse t s lo sse s 47 9 In v e st m e n t in o t h e r e n t it ie s 1,068 10 F ix e d A sse t s an d E q u ip m e n t 65,112 11 In t e r - Of f ic e A sse t s 3,508 12 Ot h e r asse t s 127,150
T O T AL AK T IVA*
P AS IVA
P AS IVA
1
Dan a P ih ak Ke t ig a
2
Ke w ajib an k e p ad a B an k In d o n e sia
3
Ke w ajib an k e p ad a B an k L ain
980
874
1,951
2,419
3,717
4,016
4,642
4,924
3,963
4,515
4,300
3,759
3,704
4,072
3,760
5,053
5,365
4
Su r at B e r h ar g a y an g Dit e r b it k an
265
268
350
311
340
340
325
325
440
440
440
440
540
540
540
540
540
5
P in jam an Dit e r im a
204
181
155
150
512
289
287
483
482
482
482
482
481
481
481
481
780
6
Ke w ajib an lain n y a
210
285
473
727
845
1,020
1,109
1,321
1,350
1,419
1,633
1,446
1,500
1,435
1,535
1,581
1,588
7
P in jam an Su b o r d in asi
8
A n t ar Kan t o r P asiv a
9
Ru p a-r u p a P asiv a
101,811 1 De p o sit o r F u n d s 1 2 L iab ilit ie s t o B an k In d o n e sia 4,658 3 L iab ilit ie s t o o t h e r B an k 540 4 Se c u r it ie s 1,072 5 Re c e iv e d B o r r o w in g 1,656 6 Ot h e r L iab ilit ie s
-
-
-
-
50
50
50
50
50
50
50
50
50
50
50
50
50
7,459
10,544
17,428
30,283
37,601
48,640
51,051
54,555
52,615
53,702
56,813
55,907
57,697
61,007
64,556
65,282
69,535
185
218
260
463
582
808
850
965
986
953
993
916
930
975
1,083
1,115
1,112
1,161 9 Ot h e r L iab ilit ie s
10 Mo d al d ise t o r
951
991
1,017
1,752
1,946
5,911
5,911
5,965
5,965
5,965
6,165
6,265
6,265
6,265
6,311
6,311
6,311
6,311 10 P aid -in c ap it al
11 Tam b ah an m o d al d ise t o r
132
142
132
466
468
572
572
516
516
516
516
516
545
823
816
816
816
-
-
-
13
-
11
11
12
3
3
3
3
6
15
31
45
66
230
268
275
335
449
490
490
491
491
491
468
470
471
576
579
579
578
579 13 Re se r v e s
a. Cad an g an Um u m
230
268
275
335
449
490
490
491
491
491
468
464
464
571
571
571
571
571
b . Cad an g an Tu ju an
-
-
-
-
-
-
-
-
-
-
-
6
7
5
8
8
7
8
12 Se lisih P e n ilaian k e m b ali A k t iv a Te t ap 13 Cad an g an
14 L ab a
50 7 Su b o r d in at e d L o an 71,111 8 In t e r -Of f ic e L iab ilit ie s
816 11 A d d it io n al p aid -in c ap it al 98 12 Dif f e r e n t ap p r aisal F ix e d A sse t
-
a. Tah u n -t ah u n lalu b . Tah u n b e r jalan T O T AL P AS IVA*
(76)
27
149
152
315
a. Ge n e r al Re se r v e s b . Sp e c ial P u r p o se Re se r v e s 14 Ne t In c o m e
527
527
527
1,438
1,401
1,408
1,274
1,286
1,114
1,068
1,068
1,068
1,068
P r e v io u s y e ar s Cu r r e n t y e ar
238
355
540
432
791
978
1,112
1,051
148
239
400
510
626
777
927
1,051
1,205
1,319
20,880
26,722
36,538
49,555
66,090
85,881
90,387
97,519
95,743
95,987
101,189
100,568
104,333
109,750
112,864
116,807
123,362
127,150
* Net
6
T O T AL P AS IVA*
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 7. Nerac a G abung an B ank P embiayaan R akyat S yariah (Is lamic R ural B ank C ondens ed B alanc e S heet) 2005
2006
2007
2008
2010
2009 Oct
1
Kas
2
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
11,723
19,341
25,090
25,150
28,938
36,983
37,714
30,760
35,628
38,450
37,060
36,895
40,316
44,601
38,999
35,430
41,341
40,411
1
Cash
P e n e m p at an p ad a B an k L ain
102,597
185,208
232,589
334,050
407,663
427,857
423,871
525,332
529,783
515,032
511,965
498,521
501,793
466,734
470,556
450,916
531,992
548,147
2
P lac e m e n t in Ot h e r B an k
3
P e m b iay aan
417,282
615,469
890,709
1,256,610
1,586,919
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
2,620,259
3
F in an c in g
4
Tag ih an L ain n y a
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
- 4
B illin g an d A c c e p t ab le L iab ilit ie s
5
A k t iv a Ist ish n a d alam P e n y e le saian
15,119
-
-
(464)
350
-
-
-
-
-
-
-
-
-
-
-
-
- 5
Ist ish n a A sse t s in P r o g r e ss
6
P e n y isih an P e n y u su t an A .P
7,901
11,994
17,491
35,339
32,413
42,322
42,627
39,172
39,964
41,657
40,760
41,167
42,724
44,244
45,301
45,957
47,152
50,252
6
A llo w an c e s f o r e ar n in g asse t s lo sse s
7
A k t iv a Te t ap d an in v e n t ar is
16,965
21,328
28,273
40,499
46,595
59,436
59,234
59,652
63,864
64,664
65,575
64,420
67,089
68,774
73,438
74,196
73,487
73,964
7
F ix e d A sse t s an d E q u ip m e n t
8
Ru p a-r u p a A k t iv a
25,788
52,873
48,921
62,327
73,461
81,684
81,435
84,118
85,855
91,174
88,800
93,004
91,498
94,041
97,366
99,113
97,734
94,901
8
Ot h e r asse t s
585,467
896,017
1,215,916
1,693,332
2,123,581
2,618,834
2,615,232
2,738,745
2,776,932
2,825,135
2,843,734
2,887,121
3,006,859
3,081,853
3,158,045
3,211,882
3,284,235
3,351,624
340,892
521,152
717,858
975,815
1,250,603
1,531,242
1,517,715
1,603,778
1,640,651
1,668,330
1,672,303
1,700,135
1,765,586
1,785,628
1,829,152
1,846,202
1,902,369
1,962,353
1
De p o sit o r F u n d s
T O T AL AK T IVA*
T O T AL AK T IVA*
P AS IVA
P AS IVA
1
Dan a P ih ak Ke t ig a
2
Ke w ajib an k e p ad a B an k L ain
37,110
97,561
175,803
271,481
353,068
493,333
502,583
520,882
522,481
529,382
544,641
547,234
585,728
623,433
634,922
685,025
691,271
687,740
2
L iab ilit ie s t o o t h e r B an k
3
P in jam an Dit e r im a
37,574
39,757
51,544
68,268
56,744
55,027
53,840
52,170
50,608
51,855
61,587
67,967
66,437
66,513
72,064
69,719
70,889
74,529
3
Re c e iv e d B o r r o w in g
4
Ke w ajib an lain n y a
8,992
8,808
10,912
19,545
18,419
18,500
17,937
18,802
19,729
21,038
26,377
22,060
22,773
23,457
24,052
26,548
25,515
28,009
4
Ot h e r L iab ilit ie s
5
P in jam an Su b o r d in asi
3
3
3
3
353
650
650
650
650
650
650
1,300
1,350
1,350
1,350
1,350
1,350
700
5
Su b o r d in at e d L o an
6
Ru p a-r u p a P asiv a
12,212
16,717
24,989
35,861
33,351
50,969
51,311
54,921
50,812
50,186
48,771
53,449
64,748
72,095
74,619
59,417
62,065
64,023
6
Ot h e r L iab ilit ie s
7
Mo d al d ise t o r (P aid-in capital)
118,380
150,609
176,690
221,651
294,942
336,877
334,024
347,000
346,883
356,296
355,040
357,378
367,798
377,372
381,745
387,737
381,196
391,190
7
P aid -in c ap it al
8
Tam b ah an m o d al d ise t o r
7,175
15,523
17,610
54,605
41,929
46,135
44,921
47,448
47,425
47,816
48,806
52,863
43,951
45,989
38,888
40,551
45,223
39,246
8
A d d it io n al p aid -in c ap it al
9
Se lisih P e n ilaian k e m b ali A k t iv a Te t ap
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
73
9
Dif f e r e n t A p p r aisal F ix e d A sse t
9,345
16,833
20,684
28,338
36,817
42,987
42,508
41,615
41,934
42,774
48,421
50,826
56,497
56,366
56,302
58,298
58,749
58,829 10 Re se r v e s
a. Cad an g an Um u m
4,856
10,301
11,650
16,638
22,582
30,989
30,676
30,096
30,417
31,190
35,780
37,771
41,085
41,845
41,787
42,883
43,271
43,495
b . Cad an g an Tu ju an
4,489
6,533
9,034
11,699
14,235
11,997
11,832
11,519
11,517
11,584
12,641
13,055
15,411
14,521
14,515
15,415
15,478
15,333
10 Cad an g an
11 L ab a
-
Sp e c ial P u r p o se Re se r v e s 11 Ne t In c o m e
a. Tah u n -t ah u n lalu
(6,610)
(5,705)
(8,639)
(14,501)
(22,111)
(25,455)
(25,440)
(24,640)
41,756
36,766
13,195
2,006
(17,460)
(20,383)
(19,478)
(26,986)
(26,500)
(26,389)
b . Tah u n b e r jalan
16,499
20,966
27,064
29,787
54,599
62,662
69,306
70,243
7,470
13,608
18,599
26,570
36,729
44,541
52,879
58,556
66,797
66,831
585,467
896,017
1,215,916
1,693,332
1,962,225
2,618,834
2,615,232
2,738,745
2,776,932
2,825,135
2,843,734
2,887,121
3,006,859
3,081,853
3,158,045
3,211,882
3,284,235
3,351,624
T O T AL P AS IVA*
Ge n e r al Re se r v e s
* Net
7
P r e v io u s y e ar s Cu r r e n t y e ar T O T AL P AS IVA*
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR ) T abel 8. L aporan L aba R ug i G abung an B ank Umum S yariah dan Unit Us aha S yariah (Is lamic C ommerc ial B ank dan Is lamic B us ines s Unit C ondens ed Inc ome S tatement ) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
A. P endapatan 1 P e n d ap at an Op e r asio n al
A. R evenue 2,177
3,085
2 P e n d ap at an Op e r asio n al L ain n y a
194
288
3 P e n d ap at an n o n o p e r asio n al
565
838
4 B ag i h asil in v e st asi t id ak t e r ik at
925
1,306
2,012
2,905
T otal pendapatan
3,795
5,093
6,620
6,962
7,956
8,757
907
1,790
406
632
1,260
2,061
1,468 3,993
2,757
3,776
1,551
983
1,103
1,252
155
262
406
527
3,500
3,537
3,984
4,371
440
796
1,272
1,705
1,938
2,697
2,588
2,927
3,261
357
704
1,066
1,443
5,848
8,975
8,894
10,115
11,119
1,146
2,144
3,369
4,565
5,752
6,778
7,862
8,959
9,905 1 Op e r at in g Re v e n u e
654
837
1,018
1,170
1,386
1,764 2 Ot h e r o p e r at in g Re v e n u e
2,146
2,566
2,978
3,420
3,891
4,394 3 No n o p e r at in g Re v e n u e
1,839
2,225
2,625
3,057
3,508
3,989 4
5,723
6,930
8,149
9,395
10,728
4,762
12,075
B . B eban 939
1,324
1,774
2,603
3,135
3,479
3,917
4,472
459
907
1,363
1,895
2,371
2,860
3,333
3,863
4,430
2 B e b an o p e r asio n al lain n y a
202
263
317
492
1,485
750
847
963
76
166
265
358
457
550
656
777
871
3 B e b an n o n o p e r asio n al
573
904
1,273
2,147
3,523
3,548
4,074
4,383
431
782
1,260
1,688
2,133
2,589
3,046
3,492
3,989
1,714
2,491
3,365
5,242
8,143
7,777
8,838
9,818
965
1,854
2,888
3,941
4,960
5,998
7,035
8,131
9,290
298
414
628
605
832
1,117
1,277
1,301
181
289
481
624
762
932
1,114
1,264
1,438
T otal B eban
D.
P e n am b ah an /p e n g u r an g an L ab a t ah u n b e r jalan
E . L ab a t ah u n b e r jalan se b e lu m p ajak
16
25
33
78
-73
2
2
108
0
0
0
0
0
0
1
1
1
282
389
595
528
904
1,115
1,275
1,193
181
289
481
623
762
931
1,113
1,263
1,437
F . Tak sir an p ajak p e n g h asilan -/-
44
34
55
92
135
141
167
165
32
51
81
114
137
155
187
213
233
L ab a se t e lah t ak sir an p ajak p e n g h asilan
238
355
540
432
791
978
1,112
1,051
148
239
400
510
626
777
927
1,051
1,205
G.
T otal R evenue B . E xpens es
1 B e b an o p e r asio n al
C. L ab a t ah u n b e r jalan
P r o f it Sh ar in g f o r Un r e st r ic t e d In v e st m e n t -/-
8
5,111 1 Op e r at in g E x p e n se s 883 2 Ot h e r Op e r at in g E x p e n se s 4,494 3 No n Op e r at in g E x p e n se s 10,488
T otal E xpens es
1,587 C. In c o m e 1 D. A d d it io n al/Re d u c t io n 1,587 E . Ne t In c o m e b e f o r e Tax 268 F . Tax E x p e n se -/1,319 G. Ne t In c o m e
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 9. L aporan L aba R ug i G abung an B ank P embiayaan R akyat S yariah (Is lamic R ural B ank C ondens ed Inc ome S tatement ) 2005
2006
2007
2008
2010
2009 Oct
Nov
2011 Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
A. P endapatan 1 P e n d ap at an Op e r asio n al
A. R evenue 97,275
154,633
203,063
293,964
382,183
396,026
419,771
484,935
42,209
88,988
133,516
178,085
229,662
277,580
317,942
368,109
416,172
2 P e n d ap at an Op e r asio n al L ain n y a
9,629
15,945
22,927
32,883
43,074
43,920
48,642
55,639
5,013
10,082
15,473
21,693
27,724
34,080
41,512
48,282
53,838
3 P e n d ap at an n o n o p e r asio n al
1,249
3,676
6,159
6,714
8,085
10,850
11,414
12,528
875
1,453
2,087
2,687
3,815
5,523
6,474
7,207
7,799
33,430
49,949
77,246
108,154
138,769
147,580
162,459
180,257
17,109
33,585
50,813
68,535
87,731
106,764
126,026
145,681
165,544
88,894
142,364
186,295
267,795
347,193
362,956
382,543
441,823
38,071
80,359
120,130
159,080
202,087
249,033
326,432
327,034
370,133
4 B ag i h asil in v e st asi t id ak t e r ik at -/T otal pendapatan
468,693 1 Op e r at in g Re v e n u e 60,348 2 Ot h e r o p e r at in g Re v e n u e 8,427 3 No n o p e r at in g Re v e n u e 186,020 4 416,772
B . B eban 1 B e b an o p e r asio n al
P r o f it Sh ar in g f o r Un r e st r ic t e d In v e st m e n t -/T otal R evenue
B . E xpens es 245,266 1 Op e r at in g E x p e n se s
49,378
82,315
105,458
162,045
194,209
195,619
214,574
245,534
20,508
42,686
66,441
88,122
112,361
137,221
163,108
191,673
215,663
2 B e b an o p e r asio n al lain n y a
2,518
10,217
8,455
14,767
24,593
28,620
15,914
35,795
1,501
7,655
10,607
12,759
15,924
17,879
12,023
14,197
14,716
3 B e b an n o n o p e r asio n al
1,378
3,310
6,797
8,214
8,565
6,469
6,935
7,611
445
911
1,615
2,097
2,652
3,980
3,784
4,508
4,965
53,274
95,842
120,709
185,027
227,368
230,708
237,424
288,940
22,455
51,253
78,663
102,978
130,937
159,080
208,772
210,379
235,344
273,377
21,449
27,407
34,193
40,381
67,000
72,193
79,945
83,905
8,493
15,685
21,600
30,919
42,535
51,339
67,292
67,539
76,920
78,071 C. In c o m e
T otal B eban C. L ab a t ah u n b e r jalan D.
P e n am b ah an /p e n g u r an g an L ab a t ah u n b e r jalan
E . L ab a t ah u n b e r jalan se b e lu m p ajak
180
300
372
626
967
722
816
1,286
75
144
206
344
447
539
761
761
852
21,269
27,107
33,821
39,755
66,033
71,471
79,128
82,619
8,418
15,541
21,393
30,575
42,088
50,800
66,531
66,778
76,069
F . Tak sir an p ajak p e n g h asilan -/-
4,770
6,224
7,013
9,976
11,495
9,125
9,823
12,375
989
1,933
2,794
4,038
5,152
6,259
8,222
8,222
9,272
L ab a se t e lah t ak sir an p ajak p e n g h asilan
16,499
20,883
26,809
29,787
54,562
62,662
69,306
70,243
7,470
13,608
18,599
26,570
36,936
44,541
58,310
58,556
66,797
G.
9
22,481 2 Ot h e r Op e r at in g E x p e n se s 5,630 3 No n Op e r at in g E x p e n se s T otal E xpens es
933 D. A d d it io n al/Re d u c t io n 77,138 E . Ne t In c o m e b e f o r e Tax 10,308 F . Tax E x p e n se -/66,831 G. Ne t In c o m e
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR ) T abel 10. B iaya P romos i, P endidikan dan P elatihan - B ank Umum S yariah dan Unit Us aha S yariah) (C os t of P romotion, E duc ation and T raining - Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
1 B iay a p r o m o si
67
90
135
180
154
159
193
236
14
28
39
60
79
102
118
142
167
2 B iay a p e n d id ik an d an p e lat ih an
20
19
19
32
45
48
52
60
3
8
13
18
25
29
34
39
43
87
109
153
212
200
207
245
296
17
35
53
79
104
131
152
180
210
T otal
10
231 1 Co st o f p r o m o t io n 44 2 Co st o f e d u c at io n an d t r ain in g 275
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 11. B iaya P romos i, P endidikan dan P elatihan - B ank P embiayaan R akyat S yariah (C os t of P romotion, E duc ation and T raining - Is lamic R ural B ank) 2005
2006
2007
2008
2010
2009 Oct
Nov
2011 Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
1 B iay a p r o m o si
826
1,300
2,284
4,178
4,826
4,823
5,381
6,433
428
919
1,516
1,892
2,526
3,132
3,969
4,901
5,446
2 B iay a p e n d id ik an d an p e lat ih an
686
1,649
1,889
2,727
3,622
3,862
4,097
4,710
437
1,155
1,680
2,146
2,825
3,610
3,972
4,458
4,893
1,512
2,949
4,173
6,905
8,448
8,685
9,478
11,143
865
2,074
3,195
4,038
5,352
6,742
7,941
9,359
10,339
T otal
11
Oct 6,505 1 Co st o f p r o m o t io n 5,419 2 Co st o f e d u c at io n an d t r ain in g 11,924
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 12. R ekening Adminis tratif - B ank Umum S yariah dan Unit Us aha S yariah (O ff B alanc e S heet A c c ount - Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
T ag ihan K omitmen -
F asilit as p in jam an y an g b e lu m d it ar ik
-
C laim c omintment -
-
-
-
-
169
179
204
247
247
P o sisi p e m b e lian sp o t y an g m asih b e r jalan
1
-
P o sisi p e m b e lian f o r w ar d y an g m asih b e r jalan
-
-
L ain n y a
2
246
17
2
-
3
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1
18
26
83
94
133
127
164
146
173
194
-
-
No t y e t w it h d r aw n f in an c in g f ac ilit ie s
-
5
-
-
Sp o t p u r c h ase s
-
-
-
-
F o r w ar d p u r c h ase s
92
100
261
254
291
183
197
3
-
-
17
-
-
-
-
-
-
156
105
82
117
101 -
-
K ewajiban K omitmen -
F asilit as p iu t an g q ar d h y an g b e lu m d it ar ik
-
F asilit as p e m b iay aan k e p ad a n asab ah y an g b e lu m d it ar ik
-
F asilit as p e m b iay aan k e p ad a b an k sy ar iah lain y an g b e lu m d it ar ik
-
Ir r e v o c ab le L /C y an g m asih b e r jalan
-
P o sisi p e n ju alan sp o t y an g m asih b e r jalan
-
P o sisi p e n ju alan f o r w ar d y an g m asih b e r jalan
-
L ain n y a
0
2
9
16
8
6
8
7
216
226
228
237
255
275
281
298
335
322 -
444
613
1,259
1,345
1,818
2,619
2,755
2,628
2,581
2,319
2,367
2,569
2,628
2,439
2,686
2,922
2,909
3,021 -
0
4
11
21
12
25
25
20
27,860
27,860
27,860
27,860
27,860
27,860
27,860
27,860
27,860
27,860 -
167
66
74
108
169
142
178
181
231
218
226
207
171
103
254
238
243
267 -
4
-
-
-
-
-
-
-
23
11
17
9
17
33
4
20
-
-
-
Sp o t sale s
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
F o r w ar d sale s
32
0
33
13
32
33
20
18
23
54
87
87
152
129
144
180
272 -
Gar an si (Kaf alah ) y an g d it e r im a
0
10
0
0
1
55
61
61
63
61
58
58
57
34
33
34
35
35 -
-
P e n d ap at an y an g ak an d it e r im a
49
87
120
79,211
61
226
220
235
217
119
117
120
127
132
150
148
152
153 -
-
L ain n y a
1
1
0
81
0
4
0
0
4
0
0
3
3
4
2
2
4
3 -
-
K ewajiban K omimen Gar an si (Kaf alah ) y an g d ib e r ik an L ain n y a
F in an c in g f ac ililie s t h at ar e n o t y e t w it h d r aw n Ot h e r b an k f in an c in g f ac ilit ie s Ir r e v o c ab le L /Cs
Ot h e r s
C laim C onting enc y
-
-
Qar d h f ac ililie s t h at ar e n o t y e t w it h d r aw n
1
T ag ihan K omitmen
-
Ot h e r s
L iabilities c ommitment
In c o m e w ill b e r e c e iv e d Ot h e r s
L iabilities C onting enc y
223
390
625
922
1,038
984
993
997
1,004
995
988
1,045
1,040
1,086
1,041
1,111
1,178
1,318 -
2
3
1
0
2
4
0
0
0
0
0
0
0
0
0
0
0
1 -
-
L ainnya
Kaf alah g u ar an t e e s r e c e iv e d
Gu ar an t e e s issu e d Ot h e r s
O thers
-
A k t iv a p r o d u k t if y an g d ih ap u sb u k u
208
336
544
1,195
1,363
1,815
1,864
1,941
1,881
1,870
1,902
1,922
1,904
1,946
1,922
1,924
1,975
2,035 -
Wr it t e n o f f e ar n in g asse t s
-
P e n e r u san d an a m u d h ar ab ah m u q ay y ad ah
316
362
522
406
349
380
387
445
352
345
342
338
331
324
320
319
316
313 -
Ch an n e lin g o f m u d h ar ab h m u q ay ay d ah
12
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 13. R ekening Adminis tratif - B ank P embiayaan R akyat S yariah (O ff B alanc e S heet A c c ount - Is lamic R ural B ank) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
T ag ihan K omitmen -
F asilit as p in jam an y an g b e lu m d it ar ik
-
L ain n y a
C laim c omintment 512 -
4,789
1,945
29,607
12,013
24,271
24,350
23,953
22,584
21,853
57,096
16,328
24,753
20,333
26,104
35,186
41,627
53,352 -
843
2,478
4
2
2
2
2
2
2
2
4
4
4
4
3
3
3 -
-
K ewajiban K omitmen -
F asilit as p e m b iay aan k e p ad a n asab ah y an g b e lu m d it ar ik
-
F asilit as p e m b iay aan k e p ad a b an k sy ar iah lain y an g b e lu m d it ar ik L ain n y a
6,246
4,395
6,420
-
-
-
9
-
202
C laim c omintment Ot h e r s
L iabilities c ommitment
6,617
6,439
6,458
7,038
6,957
6,514
6,789
6,512
8,362
6,565
6,732
6,151
6,374
6,229 -
F in an c in g f ac ililie s t h at ar e n o t y e t w it h d r aw n
-
-
-
294
17,551
17,644
11,474
350
29,826
20,009
17,509
20,000
13,000
1,793
1,729 -
Ot h e r b an k f in an c in g f ac ilit ie s
22
44
9
9
9
128
9
9
-
-
9
430
530
143 -
5,770
-
-
T ag ihan K omitmen
Ot h e r s
C laim C onting enc y
-
Gar an si (Kaf alah ) y an g d it e r im a
-
-
-
-
-
-
-
-
-
-
-
-
3
-
-
P e n d ap at an y an g ak an d it e r im a
4,784
43,072
9,140
12,151
17,467
17,606
18,350
21,126
17,942
18,618
18,401
20,473
22,654
18,970
23,654
19,918
23,843
24,799 -
L ain n y a
2,550
1,450
1,136
1,165
5,517
2,438
2,106
2,452
4,205
3,741
3,795
4,889
3,852
3,834
2,975
2,224
768
849 -
7,489
12,231
12,773
19,126
31,847
33,742
34,484
34,492
41,188
40,746
41,285
42,952
42,672
43,420
42,342
44,210
44,051
44,226 Written off earning as s ets
16,883
36,471
33,336
52,640
66,947
61,383
68,827
78,432
88,873
96,701
100,544
102,236
96,422
100,868
101,051
100,834
99,699
95,289 C hanneling of mudharabah muqayadah
Aktiva produktif yang dihapus buku P enerus an dana mudharabah muqayyadah
13
-
-
-
-
-
Kaf alah g u ar an t e e s r e c e iv e d In c o m e w ill b e r e c e iv e d Ot h e r s
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 14 . K ompos is i DP K - B ank Umum S yariah dan Unit Us aha S yariah (Depos itor F unds C ompos ition of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
1 Gir o iB - A k ad Wad iah
2,048
3,416
3,750
4,238
6,202
7,116
8,224
9,056
9,242
8,015
9,147
8,255
8,565
9,460
9,912
9,233
10,305
11,076
1 iB De m an d De p o sit s - Wad ia
2 Tab u n g an iB
4,367
6,430
9,454
12,471
16,475
20,137
20,812
22,908
22,381
22,574
23,068
23,488
24,445
25,444
25,977
27,021
28,102
28,544
2 iB Sav in g De p o sit s
183
332
645
958
1,538
2,878
3,001
3,338
3,171
3,381
3,293
3,264
3,588
3,964
4,061
4,292
4,512
4,856
a
Wad ia
4,184
6,098
8,809
11,513
14,937
17,259
17,811
19,570
19,210
19,193
19,776
20,224
20,857
21,480
21,916
22,728
23,589
23,687
b
Mu d h ar ab a
9,169
10,826
14,807
20,143
29,595
39,225
40,051
44,072
44,191
44,496
47,435
47,824
49,851
52,121
53,896
55,768
59,350
62,184
a
A k ad Wad iah
b
A k ad Mu d h ar ab ah
3 De p o sit o iB - A k ad Mu d h ar ab ah
3 iB Tim e De p o sit s - Mu d h ar ab a
a
1 B u lan
3,835
5,234
9,309
14,325
19,794
27,765
27,750
31,873
32,013
33,128
33,834
33,587
35,958
37,987
37,579
39,501
43,442
42,836
a
1 m o n th
b
3 B u lan
2,228
1,973
1,406
1,919
4,544
5,409
6,472
6,165
5,927
5,695
7,014
7,564
7,071
6,984
7,899
7,500
8,248
9,803
b
3 m o n th s
c
6 B u lan
1,480
1,231
1,296
1,827
1,758
2,281
2,086
2,294
2,340
2,157
2,966
3,078
3,304
3,558
4,386
4,961
3,549
5,070
c
6 m o n th s
d
12 B u lan
1,625
2,143
2,787
2,066
3,497
3,766
3,743
3,738
3,883
3,514
3,585
3,562
3,515
3,561
4,000
3,772
4,065
4,430
d
12 m o n t h s
e
> 12 B u lan
1
245
9
6
1
4
1
3
28
2
36
33
3
31
32
34
46
45
e
> 12 m o n t h s
15,584
20,672
28,012
36,852
52,271
66,478
69,086
76,036
75,814
75,085
79,651
79,567
82,861
87,025
89,786
92,021
97,756
101,804
T otal
14
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 15. K ompos is i DP K - B ank P embiayaan R akyat S yariah (Depos itor F unds C ompos ition of Is lamic R ural B ank) 2005
2006
2007
2008
2010
2009 Nov
1 Gir o iB - A k ad Wad iah 2 Tab u n g an iB a
A k ad Wad iah
b
A k ad Mu d h ar ab ah
3 De p o sit o iB - A k ad Mu d h ar ab ah
-
-
-
-
-
2011 Dec
-
J an
-
F eb
Mar
-
-
Apr
-
May
-
J un
-
J ul
-
Aug
-
-
-
- 1 iB De m an d De p o sit s - Wad ia
-
441,291
492,682
620,870
658,759
678,982
689,280
691,162
699,932
735,575
730,442
48,600
73,634
86,708
161,450
209,991
263,339
285,066
291,820
298,245
297,371
298,354
322,379
325,957
344,233
346,904
372,847
375,576
393,765
a
Wad ia
112,306
157,806
210,182
279,841
282,691
357,531
373,693
387,162
391,035
393,791
401,578
413,196
404,486
409,951
391,998
408,667
426,622
437,714
b
Mu d h ar ab a
173,325
289,712
420,968
534,524
665,352
896,845
945,020
961,669
979,050
981,141
1,074,969
1,107,300
1,120,855
802,198
1,160,155
831,479
2 iB Sav in g De p o sit s
296,890
1,055,186
781,514
Nov
231,440
1,030,010
738,902
Oct
160,906
1,000,203
754,184
S ep
1,203,728 3 iB Tim e De p o sit s - Mu d h ar ab a
a
1 B u lan
25,327
58,518
63,504
68,141
138,184
129,968
155,669
147,637
148,018
152,010
152,438
157,712
162,411
160,760
166,219
154,226
161,014
168,889
a
1 m o n th
b
3 B u lan
31,371
45,288
49,724
55,818
76,815
138,010
141,721
146,790
145,514
148,197
145,389
149,482
149,405
154,336
166,115
169,458
176,112
180,031
b
3 m o n th s
c
6 B u lan
35,403
60,348
45,915
68,875
157,831
157,618
166,845
172,023
179,571
187,011
187,319
195,816
207,734
215,478
218,900
231,583
240,962
249,585
c
6 m o n th s
d
12 B u lan
78,877
122,300
205,596
270,133
275,875
445,772
456,288
471,699
482,306
481,657
502,987
507,548
514,870
523,196
538,259
543,965
562,871
586,211
d
12 m o n t h s
e
> 12 B u lan
2,347
3,258
56,229
71,557
16,646
25,476
24,496
23,520
23,640
12,266
12,071
19,453
20,766
21,199
17,806
21,623
19,196
19,012
e
> 12 m o n t h s
334,231
521,152
717,858
975,815
1,517,715
1,603,778
1,640,651
1,668,330
1,672,303
1,700,135
1,765,586
1,785,628
T otal
1,158,034
15
1,829,152
1,846,202
1,902,369
1,962,353
2,035,207
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 16. P enempatan pada B ank Indones ia - B ank Umum S yariah dan Unit Us aha S yariah (Depos it in B ank Indones ia - Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2008
2010
2009 Oct
Gir o Wad iah SWB I/SB I Sy ar iah L ain n y a T otal
Nov
2011 Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
464
1,282
1,840
2,363
2,694
3,461
3,552
4,176
4,189
4,270
4,131
4,257
4,546
4,574
4,774
6,172
5,102
5,443 Wad iah De m an d De p o sit s
2,395
2,357
2,599
2,545
3,076
2,783
3,287
5,408
3,968
3,659
5,870
4,042
3,879
5,011
5,214
3,647
5,885
B an k In d o n e sia Wad iah 5,656 Ce r t if ic at e /B an k In d o n e sia Islam ic Ce r t if ic at e
321
2
101
280
4,623
4,948
5,325
6,809
5,274
3,466
3,689
3,632
4,505
4,618
5,254
2,250
5,161
3,180
3,641
4,540
5,189
10,393
11,191
12,164
16,393
13,430
11,396
13,689
11,930
12,930
14,203
15,242
12,068
16,148
16
5,278 Ot h e r s 16,376
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 17 . S urat B erharg a yang Dimiliki B ank Umum S yariah dan Unit Us aha S yariah (Inves tment in S ec urities of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2010
2008 Oct
1 Su r at B e r h ar g a P asar Ke u an g an Sy ar iah 2 Su r at B e r h ar g a P asar Mo d al Sy ar iah 3 L ain n y a T otal
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
-
-
4
279
1,105
1,106
1,106
1,106
1,106
1,107
1,106
1,106
1,107
1,107
1,107
1,107
1,156 1 Islam ic F in an c ial Mar k e t Se c u r it ie s
704
828
1,384
2,400
4,465
4,358
4,532
4,600
5,163
5,022
4,920
4,847
4,785
4,761
4,622
4,722
4,686 2 Islam ic Cap it al Mar k e t Se c u r it ie s
26
1
-
4
95
95
95
95
95
95
95
95
95
95
95
6,019
730
829
2,683
5,665
5,559
5,733
5,801
6,364
6,224
6,122
6,048
5,986
5,963
5,823
11,848
1,388
17
97 3 Ot h e r s 5,939
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR ) T abel 18. K ompos is i P embiayaan Y ang Diberikan B ank Umum S yariah dan Unit Us aha S yariah (F inanc ing C ompos ition of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) A kad
2005
2006
2007
2008
2010
2009 Oct
A k ad Mu d h ar ab ah
3,124
A k ad Mu sy ar ak ah
1,898
2,335
A k ad Mu r ab ah ah
9,487
12,624
0
0
A k ad Ist ish n a
282
A k ad Ijar ah A k ad Qar d h
A k ad Salam
L ain n y a T otal
4,062
5,578
2011
Nov
Dec
J an
F eb
Mar
Apr
May
C ontrac t J un
J ul
Aug
S ep
Oct
6,205
6,597
8,411
8,895
8,631
8,560
8,606
8,767
8,843
9,077
9,549
9,766
9,989
10,020
10,150 Mu d h ar ab a
4,406
7,411
10,412
13,943
14,353
14,624
14,600
14,677
14,988
15,057
15,396
16,295
16,421
17,131
17,379
17,769 Mu sh ar ak a
16,553
22,486
26,321
34,831
36,214
37,508
37,855
38,983
40,877
42,453
44,118
46,161
47,453
49,455
49,883
52,148 Mu r ab ah a
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
337
351
369
423
391
395
347
351
360
328
315
317
322
319
319
335
316
836
516
765
1,305
2,124
2,149
2,341
2,436
2,417
2,572
2,630
2,730
2,927
3,076
3,208
3,209
3,336 ijar a
125
250
540
959
1,829
3,295
3,935
4,731
5,922
6,407
6,721
6,427
6,980
7,362
7,521
10,437
12,013
13,073 Qar d h
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,232
20,445
27,944
38,195
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
18
0 Salam 329 Ist ish n a
0 Ot h e r s 96,805
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 19 . K ompos is i P embiayaan Y ang Diberikan B ank P embiayaan R akyat S yariah (F inanc ing C ompos ition of Is lamic R ural B ank) A kad
2005
2006
2007
2008
2010
2009 Oct
A k ad Mu d h ar ab ah
24,237
26,351
41,714
42,952
52,781
2011
Nov
69,549
Dec
67,443
J an
65,471
F eb
63,569
Mar
63,080
Apr
64,963
May
68,145
C ontrac t J un
69,188
J ul
72,177
Aug
76,442
S ep
79,774
Oct
77,476
A k ad Mu sy ar ak ah
40,065
65,342
90,483
113,379
144,969
223,120
225,719
217,954
215,144
221,510
224,816
225,507
232,499
239,430
246,849
255,598
257,560
A k ad Mu r ab ah ah
337,566
505,633
716,240
1,011,743
1,269,900
1,595,058
1,595,644
1,621,526
1,648,173
1,692,259
1,706,035
1,753,431
1,848,734
1,930,667
1,984,548
2,044,532
2,031,305
A k ad Salam
77,644 Mu d h ar ab a 263,986 Mu sh ar ak a 2,079,543 Mu r ab ah a
90
30
0
38
105
0
0
45
45
165
165
216
201
201
81
81
51
A k ad Ist ish n a
1,844
1,361
13,467
24,683
32,766
30,689
29,354
27,598
26,569
25,955
26,253
25,714
25,427
25,196
23,999
23,923
23,798
23,492 Ist ish n a
A k ad Ijar ah
6,816
6,783
3,661
5,518
7,803
13,600
13,510
13,499
13,367
13,821
14,338
11,913
14,314
14,762
15,345
15,698
15,695
16,186 Ijar a
A k ad Qar d h
6,666
9,969
19,038
40,308
50,018
63,357
61,736
63,000
62,544
65,801
67,201
69,476
72,862
77,454
80,230
80,102
78,496
75,383 Qar d h
0
0
6,106
17,988
28,578
46,668
47,960
51,344
54,810
57,400
60,207
62,170
65,588
72,077
74,374
77,262
79,051
417,282
615,469
890,709
1,256,610
1,586,919
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
Mu lt ijasa T otal
19
22 Salam
84,004 Mu lt i P u r p o se F in an c in g 2,620,259
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR ) T abel 20. P embiayaan - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan S ektor E konomi (F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on E c onomic S ec tor) S E K T O R E K O NO MI
2005
2006
2007
2008
2010
2009
2011 E C O NO MIC S E C T O R
Oct
Nov
Dec
J an
F eb
Mar
Apr
J un
J ul
2,005
2,063
1,979
1,948
1,904
2,043
1,026
1,063
1,130
1,227
1,323
1,581
1,693 Min in g
2,549
2,472
2,596
2,783
2,869
2,906
2,898
2,804 Man u f ac t u r in g
1,401
1,857
1,944
1,970
1,954
1,988
2,044
2,090
2,203 Wat e r , g as an d e le c t r ic it y
4,541
4,563
4,680
4,664
4,831
5,163
5,234
5,637
5,539
5,631 Co n st r u c t io n
7,609
7,306
7,305
7,689
7,837
7,929
8,143
8,250
8,482
8,736
9,091 Tr ad e , r e st au r an t s an d h o t e ls
3,545
3,696
3,718
3,558
3,768
3,793
3,882
3,693
3,683
3,595
3,474
3,394
18,848
19,880
20,233
19,844
20,204
20,210
20,660
21,228
22,440
23,272
24,263
24,262
2,661
2,862
2,910
2,975
3,069
3,135
3,407
3,551
3,641
4,031
3,852
4,015
4,037
9,693
14,042
19,975
21,335
22,902
24,620
25,737
27,098
27,792
29,474
31,215
32,204
36,328
38,319
40,640 Ot h e r s
38,195
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
96,805
P e r t an ian , k e h u t an an d an sar an a p e r t an ian
687
701
837
1,177
1,331
1,707
1,992
1,762
1,959
1,946
1,981
1,986
P e r t am b an g an
395
375
511
965
1,047
1,051
1,057
1,120
955
968
1,015
P e r in d u st r ian
933
940
1,371
1,340
1,579
2,158
2,282
2,337
2,336
2,633
66
17
166
248
698
1,234
1,317
1,354
1,376
K o n st r u k si
1,548
1,637
2,371
3,368
3,516
4,322
4,202
4,194
P e r d ag an g an , r e st o r an d an h o t e l
1,716
3,041
4,152
4,426
5,000
7,404
7,422
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
1,261
1,165
1,569
2,759
3,349
3,433
J asa d u n ia u sah a
4,504
5,458
8,425
11,757
13,664
J asa so sial/m asy ar ak at
1,208
1,456
1,904
2,463
L ain -lain
2,913
5,655
6,639
15,232
20,445
27,944
L ist r ik , g as d an air
T otal
20
May
Aug
S ep
Oct A g r ic u lt u r e , f o r e st r y an d ag r ic u lt u r al f ac ilit ie s
Tr an sp o r t , c ar g o st o r ag e an d c o m m u n ic at io n
25,152 B u sin e ss Se r v ic e s
4,152 So c ial Se r v ic e s
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 21. P embiayaan - B ank P embiayaan R akyat S yariah berdas arkan S ektor E konomi (F inanc ing of Is lamic R ural B ank bas ed on E c onomic S ec tor) S E K T O R E K O NO MI
2005
2006
2007
2008
2010
2009 Oct
P e r t an ian , k e h u t an an d an sar an a p e r t an ian
P e r t am b an g an
P e r in d u st r ian
L ist r ik , g as d an air
K o n st r u k si
P e r d ag an g an , r e st o r an d an h o t e l
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
J asa d u n ia u sah a
J asa so sial/m asy ar ak at
Nov
2011 Dec
J an
F eb
Mar
Apr
May
E C O NO MIC S E C T O R
J un
J ul
Aug
S ep
Oct
11,874
17,720
24,436
41,613
54,486
104,265
104,578
107,129
121,963
130,387
134,028
137,703
193,969
293,503
398,254
422,243
403,036
203,702
138
485
944
1,287
998
795
789
905
855
892
876
1,545
1,012
1,485
1,849
1,623
1,298
1,397
9,207
12,465
12,447
15,885
20,420
23,251
23,696
24,635
25,637
25,783
25,605
25,447
25,929
27,433
29,600
29,178
28,907
109
748
367
1,146
1,055
2,436
2,569
1,569
1,561
1,363
1,597
1,428
1,983
2,987
3,052
2,931
2,887
3,495
6,570
16,051
26,536
48,178
70,105
71,973
66,492
66,787
72,358
76,799
74,596
83,722
82,753
91,837
88,166
89,762
190,583
255,559
295,195
370,907
486,018
619,154
619,739
624,428
627,122
643,184
658,563
681,871
802,883
830,355
748,716
773,939
770,725
3,618
8,704
9,075
17,697
17,289
21,784
22,158
21,768
26,075
26,351
24,049
27,812
30,786
27,897
31,387
30,740
32,114
49,031
72,194
99,050
140,989
176,760
283,161
282,640
276,887
273,514
277,520
288,526
287,964
295,941
251,778
248,463
258,783
273,687
5,155
5,632
6,402
22,609
16,451
23,503
23,575
26,564
26,511
28,019
29,268
29,229
63,104
71,981
80,616
79,614
73,624
L ain -lain
144,072
235,392
422,148
617,942
765,264
893,587
889,649
910,060
914,194
934,137
924,666
948,977
829,484
841,791
868,096
889,753
887,391
T otal
417,282
615,469
886,117
1,256,610
1,586,919
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
21
A g r ic u lt u r e , f o r e st r y an d ag r ic u lt u r al f ac ilit ie s Min in g
30,275 Man u f ac t u r in g
2,834
Wat e r , g as an d e le c t r ic it y
92,520 Co n st r u c t io n
1,009,253 Tr ad e , r e st au r an t s an d h o t e ls
33,278
Tr an sp o r t , c ar g o st o r ag e an d c o m m u n ic at io n
240,753 B u sin e ss Se r v ic e s
82,400 So c ial Se r v ic e s
923,848 Ot h e r s
2,620,259
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 22 . P embiayaan - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan J enis P eng g unaan (F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit B ank bas ed on T ype of Us age) J E NIS P E NG G UNA A N
2005
2006
2007
2008
2010
2009
2011 T Y P E O F US A G E
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
Mo d al Ke r ja
7,988
10,405
15,656
20,554
22,873
30,439
31,650
31,855
31,484
31,891
32,774
33,362
34,519
36,388
37,035
38,118
38,146
39,399
Wo r k in g Cap it al
In v e st asi
4,288
4,374
5,637
7,907
9,955
12,571
12,948
13,416
13,601
13,813
14,370
14,556
14,616
15,038
15,356
16,123
16,403
16,755
In v e st m e n t
Ko n su m si
2,956
5,666
6,652
9,734
14,058
19,984
21,344
22,910
24,639
25,745
27,109
27,807
29,484
31,190
32,165
36,298
38,290
40,652
Co n su m p t io n
15,232
20,445
27,944
38,195
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
96,805
T otal
22
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 23. P embiayaan - B ank P embiayaan R akyat S yariah berdas arkan J enis P eng g unaan (F inanc ing of Is lamic R ural B ank bas ed on T ype of Us age) J E NIS P E NG G UNA A N
2005
2006
2007
2008
2010
2009
2011 T Y P E O F US A G E
J un
J ul
Aug
S ep
Oct
236,794
357,743
497,472
664,644
767,538
1,066,454
1,102,195
1,106,035
1,114,689
1,150,101
1,179,843
1,191,089
1,254,601
1,319,365
1,357,782
1,405,481
1,400,310
1,430,016
In v e st asi
48,023
78,597
125,320
132,729
186,482
208,574
205,259
213,584
218,405
221,388
228,336
233,068
244,729
270,807
275,991
281,737
275,731
266,395
In v e st m e n t
Ko n su m si
132,466
179,129
267,278
459,237
632,899
767,013
733,913
740,818
751,127
768,503
755,798
792,416
829,484
841,791
868,096
889,753
887,391
923,848
Co n su m p t io n
417,282
615,469
890,070
1,256,610
1,586,919
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
2,620,259
Mo d al Ke r ja
T otal
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
23
Wo r k in g Cap it al
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 24. P embiayaan - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan G olong an P embiayaan (F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on T ype of F inanc ing) 2010
G O L O NG A N P E MB IA Y A A N
2005
2006
2007
2008
Oct 10,196
14,872
19,566
27,063
2011
T Y P E O F F INA NC ING
2009
35,799
49,589
Nov
Dec
52,002
52,570
J an 52,519
F eb
Mar
52,411
54,641
Apr 56,085
May
J un
J ul
Aug
S ep
Oct
57,913
60,695
61,962
64,925
66,517
68,840
Usah a Ke c il d an Me n e n g ah
Se lain Usah a Ke c il d an Me n e n g ah T otal
Sm all an d Me d iu m E n t e r p r ise s
5,036
5,573
8,379
11,132
11,087
13,406
13,940
15,611
17,205
19,038
19,612
19,640
20,706
21,922
22,594
25,615
26,322
27,965
15,232
20,445
27,944
38,195
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
96,805
24
No n Sm all an d Me d iu m E n t e r p r ise s T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 25 . P embiayaan - B ank P embiayaan R akyat S yariah berdas arkan G olong an P embiayaan (F inanc ing of Is lamic R ural B ank bas ed on T ype of F inanc ing) G O L O NG A N P E MB IA Y A A N
Usah a Ke c il d an Me n e n g ah Se lain Usah a Ke c il d an Me n e n g ah T otal
2005
2006
2007
2008
2010
2009
2011
T Y P E O F F INA NC ING
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
273,212
380,079
575,028
657,359
833,076
1,141,531
1,128,023
1,115,962
1,148,353
1,194,239
1,246,116
1,251,245
1,331,198
1,377,483
1,439,300
1,488,404
1,480,076
1,513,876
144,072
235,392
315,044
599,291
753,843
900,511
913,344
944,475
935,867
945,754
917,861
965,327
997,616
1,054,480
1,062,569
1,088,568
1,083,357
1,106,384 No n Sm all an d Me d iu m E n t e r p r ise s
417,284
615,471
890,072
1,256,650
1,586,919
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
2,620,259
25
Sm all an d Me d iu m E n t e r p r ise s
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 26. P embiayaan - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan K ualitas P embiayaan (F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on C ollec tibility) K O L E K T IB IL IT A S P E MB IA Y A A N
2005
2006
2007
2008
2010
2009
2011 C O L L E C T IB IL IT Y O F F INA NC ING
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
L anc ar
14,803
19,474
26,813
36,686
45,004
60,509
63,314
66,120
67,436
68,835
71,577
72,857
75,664
79,680
81,389
87,341
89,586
93,791
- L an c ar
14,027
18,583
25,494
35,076
41,931
56,237
59,092
63,006
63,600
64,694
68,148
69,251
71,928
75,572
77,029
82,573
84,679
88,413
Cu r r e n t
776
891
1,319
1,610
3,074
4,271
4,222
3,114
3,835
4,141
3,429
3,606
3,737
4,108
4,360
4,768
4,907
5,377
Sp e c ial Me n t io n
- Dalam P e r h at ian K h u su s
P erform ing F inanc ing
Non L anc ar
429
971
1,131
1,509
1,882
2,486
2,628
2,061
2,288
2,615
2,675
2,869
2,955
2,937
3,168
3,198
3,253
3,015
- K u r an g L an c ar
201
353
321
525
435
1,098
1,230
677
797
1,020
1,064
1,072
1,051
1,030
1,116
1,078
1,473
1,367
Su b -St an d ar d
73
236
267
224
582
328
330
332
361
382
359
419
424
396
463
465
348
279
Do u b t f u l
155
383
543
759
865
1,060
1,068
1,052
1,130
1,213
1,252
1,377
1,480
1,510
1,589
1,655
1,432
1,368
L o st
15,232
20,445
27,944
38,195
46,886
62,995
65,942
68,181
69,724
71,449
74,253
75,726
78,619
82,616
84,556
90,540
92,839
- Dir ag u k an - Mac e t T otal P em biayaan P ers entas e NP F
2.82%
4.75%
4.05%
3.95%
4.01%
3.95%
3.99%
3.02%
3.28%
26
3.66%
3.60%
3.79%
3.76%
3.55%
3.75%
3.53%
3.50%
Non P erform in F inanc ing
96,805 T otal F inanc ing 3.11%
P erc entag e of NP F s
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 27. P embiayaan - B ank P embiayaan R akyat S yariah berdas arkan K ualitas P embiayaan (F inanc ing of Is lamic R ural B ank bas ed on C ollec tibility) K O L E K T IB IL IT A S P E MB IA Y A A N
2005
2006
2007
2008
2010
2009
2011 C O L L E C T IB IL IT Y O F F INA NC ING
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
371,781
564,373
820,058
1,151,287
1,475,306
1,889,321
1,887,714
1,926,565
1,942,790
1,989,280
2,009,295
2,060,956
2,166,711
2,259,512
2,327,740
2,395,190
2,385,514
2,434,245
Non L anc ar
45,501
51,096
72,349
105,322
111,612
152,721
153,653
133,872
141,430
150,712
154,681
155,616
162,102
172,450
174,130
181,781
177,918
186,014
- K u r an g L an c ar
12,290
16,267
22,674
35,322
31,049
46,524
45,589
39,185
41,651
47,803
51,214
56,197
56,041
54,013
54,898
63,467
57,372
56,502
Su b -St an d ar d
- Dir ag u k an
23,338
19,760
17,090
21,307
30,687
33,630
33,485
29,919
34,604
33,322
34,080
32,805
34,271
37,315
41,955
41,811
40,334
47,219
Do u b t f u l
9,873
15,069
32,586
48,693
49,877
72,567
74,579
64,767
65,175
69,587
69,387
66,613
71,790
81,123
77,276
76,503
80,212
82,293
L o st
417,282
615,469
892,407
1,256,610
2,042,042
2,041,367
2,060,437
2,084,220
2,139,992
2,163,977
2,216,572
2,328,813
2,431,963
2,501,869
2,576,971
2,563,432
10.90%
8.30%
8.11%
7.53%
6.50%
6.79%
7.04%
7.15%
7.02%
L anc ar
- Mac e t T otal P em biayaan P ers entas e NP F
8.38%
1,586,919 7.03%
7.48%
27
6.96%
7.09%
6.96%
7.05%
6.94%
P erform ing F inanc ing Non P erform in F inanc ing
2,620,259 T otal F inanc ing 7.10%
P erc entag e of NP F s
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 28. P embiayaan Non L anc ar B ank Umum S yariah dan Unit Us aha S yariah berdas arkan S ektor E konomi (Non P erforming F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on E c onomic S ec tor) 2010
S E K T O R E K O NO MI
2005
2006
2007
2008
2009
2011 E C O NO MIC S E C T O R
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
34
40
21
10
64
78
91
61
63
66
62
70
75
77
113
111
100
P e r t am b an g an
14
25
80
213
20
30
28
27
28
56
89
93
92
114
52
63
273
247 Min in g
P e r in d u st r ian
82
219
229
289
184
181
183
98
102
109
103
137
140
130
155
149
160
114 Man u f ac t u r in g
0
0
0
0
0
0
1
1
14
15
15
29
29
26
30
30
30
K o n st r u k si
23
57
89
140
180
272
283
185
277
277
279
276
295
306
366
371
404
389 Co n st r u c t io n
P e r d ag an g an , r e st o r an d an h o t e l
78
205
254
278
436
406
425
338
400
496
613
645
621
611
603
617
570
556 Tr ad e , r e st au r an t s an d h o t e ls
42
88
119
91
177
348
402
263
275
431
340
346
345
275
344
353
338
270 Tr an sp o r t , c ar g o st o r ag e an d c o m m u n ic at io n
J asa d u n ia u sah a
68
187
141
297
311
622
630
551
558
559
538
589
628
641
681
643
664
629 B u sin e ss Se r v ic e s
J asa so sial/m asy ar ak at
22
40
41
44
59
77
73
55
51
66
90
103
102
106
118
123
113
L ain -lain
65
110
157
148
450
471
499
470
520
540
546
581
627
650
705
738
601
429
971
1,131
1,509
1,882
2,486
2,628
2,061
2,288
2,615
2,675
2,869
2,955
2,937
3,168
3,198
3,253
P e r t an ian , k e h u t an an d an sar an a p e r t an ian
L ist r ik , g as d an air
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
T otal
28
95
19
A g r ic u lt u r e , f o r e st r y an d ag r ic u lt u r al f ac ilit ie s
Wat e r , g as an d e le c t r ic it y
75 So c ial Se r v ic e s
620 Ot h e r s
3,015
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 29. P embiayaan Non L anc ar - B ank P embiayaan R akyat S yariah berdas arkan S ektor E konomi (Non performing F inanc ing of Is lamic R ural B ank bas ed on E c onomic S ec tor) 2010
S E K T O R E K O NO MI
2005
2006
2007
2008
2009
P e r t an ian , k e h u t an an d an sar an a p e r t an ian
P e r t am b an g an
P e r in d u st r ian
L ist r ik , g as d an air
K o n st r u k si
P e r d ag an g an , r e st o r an d an h o t e l
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
J asa d u n ia u sah a
J asa so sial/m asy ar ak at
L ain -lain
T otal
2011 E C O NO MIC S E C T O R
Oct
J un
J ul
Aug
S ep
1,472
1,783
3,839
3,741
6,116
6,131
5,058
5,720
6,749
6,035
5,974
8,964
13,667
11,864
14,042
13,267
10
270
1
309
151
151
157
154
327
355
355
196
416
454
196
212
1,377
1,652
2,317
3,090
3,719
3,988
3,036
3,364
3,421
3,241
3,250
3,797
3,402
3,791
3,205
3,574
43
1
214
75
273
187
22
24
3
32
48
50
48
149
34
73
55
158
908
4,526
4,484
7,036
7,907
5,245
6,354
6,441
7,486
6,241
6,250
6,396
8,097
9,027
8,472
26,405
30,305
38,045
39,224
45,737
62,009
60,299
57,125
57,435
60,050
62,473
61,289
72,028
72,696
73,394
69,493
70,507
198
491
705
1,538
1,705
2,540
2,852
2,236
2,386
1,995
1,934
2,170
1,856
2,062
4,513
3,182
3,487
6,269
6,802
8,593
16,421
10,416
17,456
16,925
15,418
17,115
18,927
18,790
19,098
17,953
16,511
15,525
16,625
16,522
551
449
254
676
516
2,371
2,333
799
744
1,608
1,009
1,633
4,653
6,196
7,334
7,817
6,987
8,850
9,988
20,139
36,568
41,539
51,049
52,880
44,776
48,134
51,192
53,326
55,559
46,355
51,056
49,008
58,160
54,817
45,501
51,096
72,349
105,322
111,612
152,721
153,653
133,872
141,430
150,712
154,681
155,616
162,102
172,450
174,130
181,781
177,918
1,259
-
1,913
-
Nov
Dec
J an
F eb
29
Mar
Apr
May
Oct 8,240
A g r ic u lt u r e , f o r e st r y an d ag r ic u lt u r al f ac ilit ie s
261 Min in g
3,313 Man u f ac t u r in g
101
Wat e r , g as an d e le c t r ic it y
11,685 Co n st r u c t io n
77,886 Tr ad e , r e st au r an t s an d h o t e ls
3,371 Tr an sp o r t , c ar g o st o r ag e an d c o m m u n ic at io n
16,018 B u sin e ss Se r v ic e s
8,071 So c ial Se r v ic e s
57,068 Ot h e r s
186,014
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 30. P embiayaan Non L anc ar - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan J enis P eng g unaan (Non P erforming F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on T ype of Us age) 2010
J E NIS P E NG G UNA A N
2005
2006
2007
2008
2009 Oct
Nov
2011 Dec
J an
F eb
Mar
Apr
May
T Y P E O F US A G E
J un
J ul
Aug
S ep
Oct
Mo d al Ke r ja
216
604
647
871
899
1,244
1,264
1,070
1,219
1,315
1,525
1,636
1,661
1,647
1,780
1,785
1,947
1,786
In v e st asi
148
258
326
489
534
772
865
521
549
760
604
650
666
639
681
675
706
607
In v e st m e n t
Ko n su m si
65
110
158
148
450
471
499
470
520
540
546
582
628
651
706
739
601
622
Co n su m p t io n
429
971
1,131
1,509
1,882
2,486
2,628
2,061
2,288
2,615
2,675
2,869
2,955
2,937
3,168
3,198
3,253
3,015
T otal
30
Wo r k in g Cap it al
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel 31 . P embiayaan Non L anc ar - B ank P embiayaan R akyat S yariah berdas arkan J enis P eng g unaan (Non P erforming F inanc ing of Is lamic R ural B ank bas ed on T ype of Us age) 2010
J E NIS P E NG G UNA A N
2005 Mo d al Ke r ja
2006
2007
2008
2009
2011 T Y P E O F US A G E
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
34,239
38,716
53,267
75,154
68,821
95,608
97,139
85,730
89,417
95,546
97,789
98,352
102,487
108,619
111,464
110,661
110,256
115,434
In v e st asi
4,454
5,445
6,114
8,890
10,723
13,879
13,970
11,195
12,695
13,966
13,506
12,921
13,259
12,775
13,657
12,960
12,845
13,512
In v e st m e n t
Ko n su m si
6,808
6,936
12,968
21,278
32,068
43,234
42,544
36,947
39,318
41,200
43,387
44,343
46,355
51,056
49,008
58,160
54,817
57,068
Co n su m p t io n
45,501
51,096
72,349
105,322
111,612
152,721
153,653
133,872
141,430
150,712
154,681
155,616
162,102
172,450
174,130
181,781
177,918
186,014
T otal
31
Wo r k in g Cap it al
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 32. P embiayaan Non L anc ar - B ank Umum S yariah dan Unit Us aha S yariah berdas arkan G olong an P embiayaan (Non P erforming F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on T ype of F inanc ing) G O L O NG A N P E MB IA Y A A N
2005
2006
2007
2008
2010
2009 Oct
Usah a Ke c il d an Me n e n g ah Se lain Usah a Ke c il d an Me n e n g ah T otal
Nov
2011 Dec
J an
F eb
Mar
Apr
May
T Y P E O F F INA NC ING
J un
J ul
Aug
S ep
330
725
798
985
1,611
2,098
2,281
1,824
1,896
2,136
2,205
2,353
2,435
2,392
2,603
2,657
2,821
99
246
333
524
271
388
347
237
392
479
470
516
520
544
565
541
432
429
971
1,131
1,509
1,882
2,486
2,628
2,061
2,288
2,615
2,675
2,869
2,955
2,937
3,168
3,198
3,253
32
Oct 2,715
Sm all an d Me d iu m E n t e r p r ise s
387 No n Sm all an d Me d iu m E n t e r p r ise s 3,102
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 33. P embiayaan Non L anc ar - B ank P embiayaan R akyat S yariah berdas arkan G olong an P embiayaan (Non P erforming F inanc ing of Is lamic R ural B ank bas ed on T ype of F inanc ing) G O L O NG AN P E MB IAY AAN
2005
2006
2007
2008
2010
2009 Oct
Usah a Ke c il d an Me n e n g ah Se lain Usah a Ke c il d an Me n e n g ah T otal
45,501
-
45,501
2011
Nov
Dec
J an
F eb
Mar
Apr
May
T Y P E O F F INANC ING J un
J ul
Aug
S ep
41,108
50,322
69,501
70,160
101,201
99,687
87,831
92,961
100,135
102,610
101,663
107,302
109,496
115,202
113,610
113,128
9,988
22,028
35,821
41,453
51,521
53,966
46,040
48,469
50,577
52,071
53,952
54,800
62,954
58,928
68,172
64,791
51,096
72,349
105,322
111,612
152,721
153,653
133,872
141,430
150,712
154,681
155,616
162,102
172,450
174,130
181,781
177,918
33
Oct 120,058
Sm all an d Me d iu m E n t e r p r ise s
65,956 No n Sm all an d Me d iu m E n t e r p r ise s 186,014
T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
sat u an (in u n it ) T abel 34 . J umlah rekening B ank Umum S yariah dan Unit Us aha S yariah
J enis
2005
2006
2007
2008
2010
2009 Oct
Dan a P ih ak Ke t ig a Gir o iB
1,255,889
1,992,452
2,845,829
3,766,067
4,537,565
2011
Nov
5,605,872
Dec
5,705,161
J an
6,053,658
F eb
6,161,838
Mar
6,284,584
Apr
6,470,580
May
6,760,302
T ype J un
6,946,433
7,026,994
J ul
Aug
S ep
7,060,225
7,327,153
7,498,824
Oct 7,717,561 De p o sit o r F u n d s
26,100
34,499
42,741
51,123
71,635
72,471
73,373
77,200
78,239
78,433
80,415
140,707
102,181
130,323
107,146
110,988
109,394
93,050
1,168,786
1,883,875
2,711,374
3,600,205
4,315,582
5,344,543
5,447,304
5,790,058
5,901,484
6,026,456
6,208,977
6,437,702
6,661,203
6,711,221
6,751,443
7,028,727
7,197,398
7,428,197
61,003
74,078
91,714
114,739
150,348
188,858
184,484
186,400
182,115
179,695
181,188
181,893
183,049
185,450
201,636
187,438
192,032
196,314
144,699
372,109
512,230
597,208
686,535
798,417
833,791
865,920
710,366
955,221
1,015,274
1,038,620
1,069,428
1,108,691
1,170,773
1,170,773
1,164,202
A k ad Mu d h ar ab ah
15,857
14,967
23,411
30,071
32,609
38,921
40,908
39,844
40,175
40,614
40,976
41,561
42,366
42,943
43,614
44,492
44,549
63,592
Mu d h ar ab a
A k ad Mu sy ar ak ah
2,396
3,026
6,013
10,949
16,066
22,129
23,071
22,799
22,779
23,224
23,955
24,366
25,009
26,007
26,511
27,442
27,808
28,398
Mu sh ar ak a
A k ad Mu r ab ah ah
119,832
340,824
454,952
498,469
531,952
570,338
585,336
586,706
591,412
599,146
613,677
624,874
642,181
661,965
673,084
692,979
656,658
714,863
Mu r ab ah a
Tab u n g an iB De p o sit o iB P e m b iay aan
A k ad Salam
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
408
387
392
695
1,346
1,306
1,316
1,335
1,030,717
1,030,725
1,030,743
1,373
1,391
1,442
1,466
1,474
1,472
1,476
A k ad Ijar ah
129
443
1,007
1,912
4,192
6,848
7,177
7,682
8,856
38,816
37,503
36,498
35,292
33,796
31,319
29,468
28,591
46,009
A k ad Qar d h
6,077
12,462
26,455
55,112
100,370
158,875
175,983
207,554
258,861
252,076
297,800
309,948
323,189
342,538
358,675
374,918
405,124
446,010
1,400,588
2,364,561
3,358,059
4,363,275
5,224,100
6,404,289
6,538,952
6,919,578
6,872,204
7,239,805
7,485,854
7,798,922
8,015,861
8,135,685
8,497,926
8,497,926
8,663,026
34
Sav in g De p o sit s Tim e De p o sit s
1,300,348 F in an c in g
A k ad Ist ish n a
T otal
De m an d De p o sit s
Salam Ist ish n a Ijar a Qar d h
9,017,909 T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
sat u an (in u n it ) T abel 35. J umlah rekening B ank P embiayaan R akyat S yariah (Number of A c c ount of Is lamic R ural B ank) J enis
2005
2006
2007
2008
2010
2009 Oct
Dana P ihak K etig a Gir o iB Tab u n g an iB
221,070 -
287,203 -
339,914 -
437,464 -
517,944 -
2011
Nov
552,415 -
553,204 -
T ype
Dec
J an
F eb
Mar
Apr
May
J un
558,927
562,209
592,587
587,653
565,107
596,719
605,164
-
-
-
-
-
-
J ul
-
610,111 -
Aug
S ep
618,814
622,362
-
Oct
-
634,113 Depos itor F unds -
De m an d De p o sit s
214,866
279,046
329,272
423,550
500,414
532,674
533,401
538,552
541,232
571,176
566,151
543,529
574,845
583,468
588,480
596,973
600,007
611,434
6,204
8,157
10,642
13,914
17,530
19,741
19,803
20,375
20,977
21,411
21,502
21,578
21,874
21,696
21,631
21,841
22,355
22,679
47,627
70,415
110,415
115,050
131,258
147,897
147,872
148,997
150,580
152,986
153,529
153,608
151,877
155,295
158,804
159,484
158,269
A k ad Mu d h ar ab ah
2,079
2,312
2,777
2,446
2,595
1,903
1,864
1,816
1,782
1,795
1,779
1,802
1,838
1,863
1,863
1,894
1,843
1,771
Mu d h ar ab a
A k ad Mu sy ar ak ah
2,959
3,915
4,633
4,442
4,990
6,156
5,941
5,641
5,455
5,438
5,490
5,527
5,616
5,709
5,842
5,895
5,723
5,688
Mu sh ar ak a
A k ad Mu r ab ah ah
38,928
58,895
91,121
92,843
105,030
118,154
118,314
119,084
120,392
122,003
122,202
121,978
125,834
128,228
130,946
133,404
132,535
134,186
10
1
5
5
1
1
1
2
2
3
3
3
2
2
1
2
314
310
403
438
768
809
783
775
753
718
720
696
691
687
662
660
655
653
A k ad Qar d h
2,547
3,991
8,816
11,795
13,712
14,573
14,479
15,061
15,280
15,932
16,094
16,470
16,886
17,758
18,412
16,509
16,387
16,513
A k ad Ijar ah
790
991
727
577
903
1,088
1,096
1,080
1,068
1,065
1,048
867
1,009
1,047
1,077
1,120
1,125
1,213
Ijar a
1,933
2,504
3,259
5,214
5,395
5,539
5,849
6,033
6,194
6,265
6,494
7,008
7,284
7,529
7,593
8,070
Mu lt i P u r p o se F in an c in g
450,329
552,514
649,202
700,312
701,076
707,924
712,789
745,573
741,182
718,715
748,596
760,459
768,915
778,298
780,631
De p o sit o iB P embiayaan
A k ad Salam A k ad Ist ish n a
Mu lt ijasa T otal
268,697
357,618
-
-
35
Sav in g De p o sit s Tim e De p o sit s
160,026 F inanc ing
Mu r ab ah a Salam Ist ish n a Qar d h
794,139 T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 36. E kuivalen ting kat imbalan/bag i has il/fee/bonus - B ank Umum S yariah dan Unit Us aha S yariah (E quivalent rate of return/profit s haring/fee/bonus of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
Dana P ihak K etig a
Depos itor F unds
1 Gir o iB
1.16%
1.27%
1.07%
1.18%
0.96%
1.37%
1.13%
1.20%
1.15%
1.10%
1.11%
1.19%
1.28%
1.48%
1.35%
0.88%
1.47%
1.38%
1 De m an d De p o sit s
2 Tab u n g an iB
3.96%
3.72%
3.32%
3.61%
2.76%
3.01%
3.29%
3.06%
2.83%
2.87%
2.87%
2.87%
3.03%
3.06%
2.75%
2.90%
2.91%
2.83%
2 Sav in g De p o sit s
a 1 B u lan
7.86%
8.96%
7.63%
8.22%
6.92%
6.66%
6.51%
6.90%
6.33%
5.51%
6.50%
6.58%
6.57%
6.48%
6.52%
6.21%
7.36%
7.74%
a 1 m o n th
b 3 B u lan
8.03%
9.81%
7.93%
9.10%
7.25%
7.14%
6.28%
6.68%
6.42%
6.01%
6.60%
6.67%
6.61%
6.72%
6.60%
6.61%
9.11%
9.25%
b 3 m o n th s
3 De p o sit o iB
3 Tim e De p o sit s
c 6 B u lan
8.82%
9.57%
8.25%
8.67%
8.44%
7.13%
6.67%
7.15%
6.73%
6.61%
6.69%
6.73%
6.42%
6.91%
4.83%
4.43%
7.24%
6.92%
c 6 m o n th s
d 12 B u lan
9.35%
9.99%
8.34%
8.34%
9.06%
6.71%
7.31%
7.32%
6.98%
6.67%
6.84%
6.97%
7.16%
6.59%
6.50%
6.54%
7.34%
6.88%
d 12 m o n t h s
e > 12 B u lan
7.83%
10.04%
7.17%
8.63%
8.63%
15.92%
5.95%
9.65%
47.10%
33.74%
44.17%
44.14%
12.63%
45.76%
48.62%
49.01%
48.55%
48.77%
P embiayaan
e > 12 m o n t h s F inanc ing
1 A k ad Mu d h ar ab ah
12.75%
13.73%
16.93%
19.38%
19.11%
17.31%
17.25%
17.39%
17.19%
17.14%
16.93%
16.99%
16.75%
16.45%
16.15%
16.24%
16.61%
16.25%
1 Mu d h ar ab a
2 A k ad Mu sy ar ak ah
8.46%
10.25%
11.23%
11.37%
11.72%
11.52%
11.67%
14.52%
13.96%
14.01%
14.43%
14.15%
14.33%
14.41%
14.23%
14.18%
13.81%
13.75%
2 Mu sh ar ak a
3 A k ad Mu r ab ah ah
13.05%
12.09%
14.66%
14.92%
16.07%
15.61%
15.53%
15.30%
15.40%
15.32%
15.23%
15.10%
15.25%
15.15%
15.13%
15.05%
15.04%
14.93%
3 Mu r ab ah a
4 A k ad Salam 5 A k ad iIst ish n a
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
4 Salam 5 Ist ish n a
13.80%
13.46%
14.30%
14.99%
13.89%
14.16%
14.18%
13.37%
14.36%
14.32%
14.39%
14.69%
14.66%
14.66%
14.35%
13.93%
14.07%
14.21%
6 A k ad Ijar ah
0.59%
0.66%
0.16%
0.88%
0.76%
0.48%
0.48%
0.46%
0.45%
0.46%
0.45%
0.44%
0.42%
0.40%
0.39%
0.40%
0.20%
0.18%
6 ijar a
7 A k ad Qar d h
5.25%
5.33%
2.89%
3.42%
4.34%
4.04%
4.10%
3.89%
4.23%
4.22%
4.22%
4.06%
4.27%
4.19%
3.96%
4.18%
4.33%
4.28%
7 Qar d h
36
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah ( in Millio n IDR) T abel 37 . E kuivalen ting kat imbalan/bag i has il/fee/bonus - B ank P embiayaan R akyat S yariah (E quivalent rate of return/profit s haring/fee/bonus of Is lamic R ural B ank ) 2005 Dana P ihak K etig a 1 Gir o iB 2 Tab u n g an iB
2006
2007
2008
2010
2009
Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct -
Depos itor F unds 1 De m an d De p o sit s
5.69%
10.62%
5.50%
6.62%
6.19%
5.77%
4.33%
4.40%
4.12%
4.06%
4.21%
3.83%
6.33%
5.82%
6.13%
5.61%
5.51%
5.48%
2 Sav in g De p o sit s
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
3 De p o sit o iB
3 Tim e De p o sit s
a 1 B u lan
8.79%
12.73%
10.64%
10.47%
12.03%
11.49%
11.43%
13.57%
13.84%
13.49%
13.33%
13.17%
12.05%
11.98%
11.83%
11.39%
12.80%
12.07%
a 1 m o n th
b 3 B u lan
10.60%
12.44%
11.65%
13.16%
12.43%
11.24%
11.31%
11.78%
11.08%
10.82%
10.95%
10.95%
10.62%
10.74%
10.72%
10.40%
10.67%
10.70%
b 3 m o n th s
c 6 B u lan
12.98%
13.68%
12.14%
13.74%
13.38%
13.20%
13.35%
13.39%
12.69%
12.44%
12.76%
12.74%
11.71%
11.61%
12.39%
11.47%
12.35%
12.53%
c 6 m o n th s
d 12 B u lan
9.27%
12.58%
12.31%
13.09%
12.30%
11.99%
11.57%
11.61%
11.10%
11.20%
11.92%
12.18%
11.21%
11.14%
11.18%
10.89%
11.15%
11.26%
d 12 m o n t h s
e > 12 B u lan
13.54%
14.48%
11.52%
13.03%
12.26%
13.14%
13.06%
12.82%
12.88%
12.90%
11.14%
11.19%
10.35%
10.33%
10.30%
10.10%
10.98%
10.05%
P embiayaan 1 A k ad Mu d h ar ab ah
21.28%
18.16%
21.28%
18.49%
18.59%
20.02%
18.81%
19.70%
19.23%
20.37%
19.94%
20.16%
20.37%
19.68%
23.52%
22.56%
23.33%
22.97%
F inanc ing 1 Mu d h ar ab a
2 A k ad Mu sy ar ak ah
20.96%
23.15%
20.77%
23.28%
15.97%
16.39%
15.16%
20.78%
20.35%
20.23%
20.22%
20.38%
20.55%
14.82%
22.55%
22.42%
22.44%
22.06%
2 Mu sh ar ak a
3 A k ad Mu r ab ah ah 4 A k ad Salam
17.88%
18.72%
20.30%
19.56%
19.22%
19.69%
20.15%
20.07%
19.51%
19.72%
19.55%
19.21%
19.14%
19.03%
19.07%
18.93%
18.96%
18.77%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3 Mu r ab ah a 4 Salam
5 A k ad I'st ish n a
18.45%
20.01%
7.43%
7.39%
7.35%
8.20%
7.75%
8.49%
8.55%
8.34%
8.30%
7.95%
7.92%
7.92%
7.63%
7.71%
7.72%
7.69%
5 Ist ish n a
0.84%
0.54%
0.21%
0.11%
0.10%
0.06%
0.10%
0.07%
0.08%
0.06%
0.06%
0.07%
0.05%
0.05%
0.05%
0.06%
0.05%
0.05%
6 A k ad Ijar ah 7 A k ad Qar d h 8 Mu lt ijasa
-
-
-
-
-
-
-
-
-
-
-
-
e > 12 m o n t h s
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
6 ijar a 7 Qar d h
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
8 Mu lt i P u r p o se F in an c in g
37
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 38. R as io K euang an B ank Umum S yariah dan Unit Us aha S yariah (F inanc ial R atios of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit) R as io
2005
2006
2007
2008
2010
2009 Oct
1 CA R
1)
Nov
2011 Dec
J an
F eb
Mar
Apr
May
R atio J un
J ul
Aug
S ep
Oct
12.41%
13.73%
10.67%
12.81%
10.77%
15.74%
15.40%
16.25%
20.23%
15.17%
16.57%
19.86%
19.58%
15.92%
15.92%
15.83%
16.18%
1.35%
1.55%
2.07%
1.42%
1.48%
1.79%
1.83%
1.67%
2.26%
1.81%
1.97%
1.90%
1.84%
1.84%
1.86%
1.81%
1.80%
1.75% 2 ROA
27.58%
28.45%
40.38%
38.79%
26.09%
24.30%
20.91%
17.58%
19.99%
15.49%
18.22%
17.60%
17.15%
17.01%
17.09%
16.98%
17.09%
17.43% 3 ROE
4 NP F
2.82%
4.75%
4.05%
1.42%
4.01%
3.95%
3.99%
3.02%
3.28%
3.66%
3.60%
3.79%
3.76%
3.55%
3.75%
3.53%
3.50%
3.11% 4 NP F
5 F DR
97.75%
98.90%
99.76%
103.65%
89.70%
94.76%
95.45%
89.67%
91.97%
95.16%
93.22%
95.17%
94.88%
94.93%
94.18%
98.39%
94.97%
95.24% 5 F DR
6 B OP O
78.91%
76.77%
76.54%
81.75%
84.39%
78.94%
77.70%
80.54%
75.75%
79.56%
77.63%
78.78%
79.05%
78.13%
77.13%
77.65%
77.54%
78.03% 6 B OP O
2 ROA 3 ROE
1)
1) H an y a d at a B an k Um u m Sy ar iah (Is lamic C ommercial B ank only)
38
15.30% 1 CA R
1)
1)
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 39 . R as io K euang an B ank P embiayaan R akyat S yariah (F inanc ial R atios of Is lamic R ural B ank) R as io
2005
2006
2007
2008
2010
2009
2011
R atio
Oct
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct 24.63% 1 CA R
1 CA R
na
na
34.72%
30.28%
29.98%
26.25%
28.70%
27.46%
30.12%
29.75%
28.42%
27.71%
24.63%
26.71%
25.24%
25.24%
24.75%
2 ROA
4.05%
3.79%
3.21%
2.76%
5.00%
3.61%
3.59%
3.49%
2.83%
2.84%
2.71%
2.65%
2.73%
2.72%
2.74%
2.72%
2.80%
2.39% 2 ROA
3 ROE
11.21%
9.82%
11.21%
14.77%
21.55%
14.50%
14.58%
14.29%
9.96%
10.38%
9.61%
9.37%
10.25%
10.35%
10.91%
18.43%
19.30%
16.05% 3 ROE
4 NP F
10.90%
8.30%
8.11%
8.38%
7.03%
7.48%
7.53%
6.50%
6.79%
7.04%
7.15%
7.02%
6.82%
7.09%
7.00%
7.05%
7.05%
7.05% 4 NP F
5 F DR
122.41%
118.10%
124.08%
128.78%
126.89%
133.36%
134.50%
128.47%
127.04%
128.27%
129.40%
130.38%
133.22%
136.20%
137.29%
139.58%
134.75%
133.53% 5 F DR
70.63%
77.33%
76.58%
80.85%
64.69%
77.18%
76.24%
78.08%
76.29%
76.37%
77.27%
77.65%
77.00%
77.35%
76.59%
76.96%
75.75%
6 B OP O
39
78.23% 6 B OP O
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
z T abel 40. J umlah B ank P embiayaan R akyat S yariah B erdas arkan T otal As et (Number of Is lamic R ural B ank bas ed on T otal A s s ets ) T otal As et (R p)
2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
T otal As s ets (in IDR )
J un
J ul
Aug
S ep
Oct
< 1 Miliar
11
7
13
7
8
5
9
7
9
4
7
11
8
5
5
4
4
1 s.d . 5 Miliar
51
57
46
50
38
36
34
29
28
33
32
33
30
31
32
31
27
28 1 u p t o 5 B illio n
> 5 s.d . 10 Miliar
17
22
24
34
40
37
34
43
37
37
37
32
36
36
37
35
38
38 > 5 u p t o 10 B illio n
> 10 Miliar
13
19
31
40
52
70
72
71
77
77
76
77
79
82
80
84
85
T otal
92
105
114
131
138
148
149
150
151
151
152
153
153
154
154
154
154
40
3 < 1 B illio n
85 > 10 B illio n 154 T otal
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel 41. Volume T rans aks i P UAS (Volume of T rans action of Interbank Is lamic Money Market) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
1 h ar i
na
276
542
2,259
700
4,775
1,156
526
10
-
-
-
-
-
-
-
-
- Ov e r n ig h t
2-6 h ar i
na
334
66
450
890
355
817
210
55
-
-
-
-
-
-
-
-
- 2 u p t o 6 d ay s
7 h ar i
na
106
304
961
129
160
283
283
55
-
-
-
-
-
-
-
-
- 7 d ay s
8-26 h ar i
na
74
193
148
682
400
810
500
105
-
-
-
-
-
-
-
-
- 8 u p t o 26 d ay s
27-30 h ar i
na
64
-
470
40
40
-
-
-
-
-
-
-
-
-
-
- 27 u p t o 30 d ay s
> 30 h ar i
na
10
18
20
-
60
-
-
-
-
-
-
-
-
-
1 h ar i
1)
2-4 h ar i 1)
5
-
-
-
-
-
-
-
-
-
-
383
403
384
323
1,111
-
-
-
-
-
-
-
-
-
62
62
240
142
- > 30 d ay s
37
176
100
15
Ov e r n ig h t
457
-
70
20
34
2-4 d ay s 1)
114
1 m in g g u
1)
-
-
-
-
-
-
-
-
-
150
180
245
607
867
40
210
125
2 m in g g u
1)
-
-
-
-
-
-
-
-
-
230
230
-
10
120
60
180
50
5 2 w eeks
3 m in g g u
1)
-
-
-
-
-
-
-
-
-
-
5 3 w eeks
-
-
-
-
-
-
10
1 w eek
1)
1) 1) 1)
1 b u lan
1)
-
-
-
-
-
-
-
-
-
120
120
75
30
80
-
70
-
2 b u lan
1)
-
-
-
-
-
-
-
-
-
30
30
-
-
-
-
-
-
5 2 m o n t h s 1)
3 b u lan
1)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
3 m o n th s
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
> 3 m o n th s
> 3 b u lan
1)
1) P e r io d e jan g k a w ak t u m u lai b u lan F e b r u ar i 2011 (P eriod s tart on F ebruary 2011) Su m b e r d at a : P u sat In f o r m asi P asar Uan g (S ource of data : Money Market Information C enter)
41
40
1 m o n th
1)
1) 1)
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
T abel 42.
R ata-rata T ing kat Imbalan S ertifikat IMA
(Weighted Average R ate of R eturn of IMA C ertificate) 2005
2006
2007
2008
2010
2009 Oct
2011
Nov
Dec
J an
F eb
Mar
Apr
May
J un
J ul
Aug
S ep
Oct
1 h ar i
na
5.92%
6.59%
9.54%
6.01%
5.44%
5.66%
5.65%
6.52%
-
-
-
-
-
-
-
Ov e r n ig h t
2-6 h ar i
na
7.80%
6.58%
9.97%
6.13%
5.76%
5.65%
5.82%
5.92%
-
-
-
-
-
-
-
2 u p t o 6 d ay s
7 h ar i
na
8.18%
6.66%
10.30%
6.33%
6.03%
5.95%
6.00%
5.89%
-
-
-
-
-
-
-
7 d ay s
8-26 h ar i
na
8.60%
6.48%
10.65%
6.55%
6.26%
6.10%
5.96%
5.89%
-
-
-
-
-
-
-
8 u p t o 26 d ay s
27-30 h ar i
na
6.65%
6.05%
6.35%
-
-
-
-
-
-
-
-
27 u p t o 30 d ay s
> 30 h ar i
na
6.92%
6.60%
-
-
-
-
-
-
-
-
1 h ar i
1)
2-4 h ar i 1)
6.90%
7.18%
-
10.75%
-
6.17%
-
-
-
-
-
-
-
-
-
6.11%
6.12%
6.11%
5.84%
7.03%
-
-
-
-
-
-
-
-
-
6.14%
6.14%
5.97%
5.84%
7.69%
5.81%
1 m in g g u
1)
-
-
-
-
-
-
-
-
-
6.26%
6.27%
2 m in g g u
1)
-
-
-
-
-
-
-
-
-
6.35%
6.35%
3 m in g g u
1)
-
-
-
-
-
-
-
-
-
1 b u lan
1)
-
-
-
-
-
-
-
-
-
2 b u lan
1)
-
-
-
-
-
-
-
-
-
3 b u lan
1)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
> 3 b u lan
1)
1) P e r io d e jan g k a w ak t u m u lai b u lan F e b r u ar i 2011 (P eriod s tart on F ebruary 2011) Su m b e r d at a : P u sat In f o r m asi P asar Uan g (S ource of data : Money Market Information C enter)
42
6.50%
6.50%
6.55% -
-
-
6.35%
-
> 30 d ay s
6.20%
6.05%
5.35% Ov e r n ig h t
0.06
6.07%
5.50% 2-4 d ay s 1) 1)
7.37%
6.25%
6.12%
6.20%
5.50% 1 w e e k
6.30%
6.30%
6.19%
6.20%
5.60% 2 w e e k s
14.26%
-
0.06
-
0.05 3 w e e k s
1)
1) 1) 1)
-
0.06
-
0.06 1 m o n t h
-
-
-
-
-
-
-
0.06 2 m o n t h s 1)
-
-
-
-
-
-
-
-
- 3 m o n th s
-
-
-
-
-
-
-
-
- > 3 m o n th s
0%
6.50%
6.50%
1) 1)
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel. 43. T otal As et G ros s , P embiayaan, Dana P ihak K etig a, F DR dan NP F B ank Umum S yariah dan Unit Us aha S yariah berdas arkan P ropins i (T otal of G ros s A s s ets , F inanc ing, Depos itor F unds , perc entage of F DR , perc entage of NP F Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on P rovinc e) P ropins i As et (A s s ets )
P embiayaan (F inanc ing)
Dana P ihak K etig a (Depos itor F unds )
P rovinc e F DR
NP F
Nan g g r o e A c e h Dar u ssalam
3,060
2,308
1,480
155.97%
4.22%
Nan g g r o e A c e h Dar u ssalam
Su m at e r a Ut ar a
7,082
4,770
3,842
124.18%
4.65%
No r t h Su m at e r a
Su m at e r a B ar at
3,925
2,386
1,578
151.14%
1.23%
We st Su m at e r a
Su m at e r a Se lat an
3,950
2,156
2,278
94.64%
1.54%
So u t h Su m at e r a
376
271
300
90.62%
0.18%
B an g k a B e lit u n g
1,138
1,088
559
194.75%
2.84%
J am b i
448
406
245
166.10%
1.48%
B e n g k u lu
Riau
4,217
2,270
2,147
105.73%
2.67%
Riau
Ke p u lau an Riau
1,841
1,322
1,214
108.89%
2.22%
Riau Islan d s
L am p u n g
1,632
1,397
819
170.62%
2.05%
L am p u n g
DKI J ak ar t a
101,961
36,798
49,690
74.06%
4.05%
DKI J ak ar t a
J aw a B ar at
17,988
11,234
11,167
100.60%
2.09%
We st J av a
B an t e n
5,195
3,487
3,464
100.69%
2.33%
B an t e n
J aw a Te n g ah
8,072
5,759
4,232
136.07%
3.25%
Ce n t r al J av a
DI Y o g y ak ar t a
2,852
1,388
1,540
90.12%
1.55%
DI Y o g y ak ar t a
11,865
8,513
8,020
106.16%
1.40%
E ast J av a
538
508
322
157.58%
0.51%
B ali
1,551
981
1,004
97.78%
0.75%
We st Kalim an t an
264
178
224
79.75%
4.48%
Ce n t r al Kalim an t an
Kalim an t an Tim u r
3,221
2,131
2,245
94.92%
7.85%
E ast Kalim an t an
Kalim an t an Se lat an
3,197
1,450
1,515
95.69%
2.15%
So u t h Kalim an t an
Su law e si Ut ar a
354
330
139
237.40%
2.11%
No r t h Su law e si
Go r o n t alo
243
210
204
102.93%
3.70%
Go r o n t alo
Su law e si B ar at
127
111
41
268.17%
0.32%
We st Su law e si
Su law e si Te n g ah
698
615
337
182.49%
1.30%
Ce n t r al Su law e si
Su law e si Te n g g ar a
380
253
272
93.07%
3.08%
So u t h E ast Su law e si
3,649
2,678
1,487
180.05%
2.86%
So u t h Su law e si
Malu k u
105
53
98
54.58%
2.08%
Malu k u
Malu k u Ut ar a
189
123
152
81.05%
1.25%
No r t h Malu k u
NTB
1,014
830
535
155.06%
1.19%
We st Nu sa Te n g g ar a
NTT
137
137
89
154.66%
0.00%
E ast Nu sa Te n g g ar a
Ir ian J ay a B ar at
115
112
114
98.23%
1.72%
We st Ir ian J ay a
P ap u a
544
350
296
118.53%
0.91%
P ap u a
L u ar In d o n e sia
279
200
165
121.40%
0.00%
Ou t sid e In d o n e sia
B an g k a B e lit u n g J am b i B e n g k u lu
J aw a Tim u r B ali Kalim an t an B ar at Kalim an t an Te n g ah
Su law e si Se lat an
43
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel. 44. T otal As et, P embiayaan, Dana P ihak K etig a, F DR dan NP F B ank P embiayaan R akyat S yariah berdas arkan P ropins i (T otal of G ros s A s s ets , F inanc ing, Depos itor F unds , perc entage of F DR , perc entage of NP F Is lamic R ural B anks bas ed on P rovinc e) P ropins i
P embiayaan (F inanc ing)
As et (A s s ets )
P rovinc e
Dana P ihak K etig a (Depos itor F unds )
F DR
NP F
80
55
40
137.89%
Su m at e r a Ut ar a
100
62
66
93.93%
6.10% No r t h Su m at e r a
Su m at e r a B ar at
115
91
75
122.50%
3.82% We st Su m at e r a
8
5
5
117.89%
4.42% So u t h Su m at e r a
222
179
179
99.78%
8.78% B an g k a B e lit u n g
-
-
-
0.00%
B e n g k u lu
85
74
51
145.74%
Riau
66
56
31
184.04%
Ke p u lau an Riau
25
24
10
239.05%
Nan g g r o e A c e h Dar u ssalam
Su m at e r a Se lat an B an g k a B e lit u n g J am b i
15.45% Nan g g r o e A c e h Dar u ssalam
0.00% J am b i 5.20% B e n g k u lu 5.62% Riau 18.01% Riau Islan d s
124
85
59
145.60%
2.98% L am p u n g
DKI J ak ar t a
30
22
5
403.22%
18.18% DKI J ak ar t a
J aw a B ar at
984
789
551
143.37%
6.03% We st J av a
B an t e n
334
283
235
120.58%
7.67% B an t e n
J aw a Te n g ah
292
223
179
124.66%
6.82% Ce n t r al J av a
DI Y o g y ak ar t a
158
107
115
93.62%
J aw a Tim u r
493
401
252
159.49%
8
7
7
104.43%
Kalim an t an B ar at
-
-
-
0.00%
Kalim an t an Te n g ah
-
-
-
0.00%
Kalim an t an Tim u r
10
6
6
106.50%
Kalim an t an Se lat an
L am p u n g
B ali
6.93% DI Y o g y ak ar t a 7.56% E ast J av a 16.40% B ali 0.00% We st Kalim an t an 0.00% Ce n t r al Kalim an t an 26.70% E ast Kalim an t an
21
13
16
81.16%
Su law e si Ut ar a
-
-
-
0.00%
0.00% No r t h Su law e si
Go r o n t alo
-
-
-
0.00%
0.00% Go r o n t alo
Su law e si B ar at
-
-
-
0.00%
0.00% We st Su law e si
Su law e si Te n g ah
-
-
-
0.00%
0.00% Ce n t r al Su law e si
Su law e si Te n g g ar a
-
-
-
0.00%
115
79
46
171.51%
Malu k u
-
-
-
0.00%
0.00% Malu k u
Malu k u Ut ar a
-
-
-
0.00%
0.00% No r t h Malu k u
NTB
81
56
37
151.31%
NTT
-
-
-
0.00%
Ir ian J ay a B ar at
-
-
-
0.00%
1
1
0
384.14%
Su law e si Se lat an
P ap u a
44
9.76% So u t h Kalim an t an
0.00% So u t h E ast Su law e si 10.37% So u t h Su law e si
2.87% We st Nu sa Te n g g ar a 0.00% E ast Nu sa Te n g g ar a 0.00% We st Ir ian J ay a 32.50% P ap u a
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Miliar Ru p iah (in B illio n IDR) T abel. 45. T otal P embiayaan B ank Umum S yariah dan Unit Us aha S yariah berdas arkan S ektor E konomi dan P ropins i ( F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on E c onomic S ec tor and P rovinc e) P ropins i
P e r t an ian , k e h u t an an d an sar an a p e r t an ian Agriculture, fores try and agricultural facilities
P e r t am b an g an
P e r in d u st r ian
L ist r ik , g as d an air
Ko n st r u k si
P e r d ag an g an , r e st o r an d an h o t e l
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
J asa d u n ia u sah a
J asa so sial / m asy ar ak at
L ain -lain
S ocial S ervices
O thers
P ropins i
T rade, res taurants and hotels
T rans port, cargo s torage and communication
13
-
6
1
58
273
5
362
51
Su m at e r a Ut ar a
565
15
31
3
258
891
20
860
161
1,966 No r t h Su m at e r a
Su m at e r a B ar at
43
1
14
-
6
278
5
409
59
1,570 We st Su m at e r a
Su m at e r a Se lat an
72
6
4
3
165
324
8
397
83
1,096 So u t h Su m at e r a
B an g k a B e lit u n g
1
0
-
27
1
8
-
13
39
182 B an g k a B e lit u n g
30
2
0
-
5
166
0
301
20
564 J am b i
Nan g g r o e A c e h Dar u ssalam
J am b i
Mining
Manufacturing
Water, gas and electricity
C ons truction
B us ines s S ervices
P rovinc e
1,540 Nan g g r o e A c e h Dar u ssalam
64
-
2
-
4
103
4
96
12
121 B e n g k u lu
295
-
5
0
162
196
49
531
34
998 Riau
2
0
11
-
10
66
39
386
17
791 Riau Islan d s
48
-
16
5
7
144
2
479
113
DKI J ak ar t a
698
1,422
1,933
2,121
3,210
3,312
2,674
9,962
996
10,468 DKI J ak ar t a
J aw a B ar at
26
B e n g k u lu Riau Ke p u lau an Riau L am p u n g
584 L am p u n g
13
186
5
511
877
36
3,275
738
5,567 We st J av a
2
15
115
2
36
137
40
1,129
249
1,763 B an t e n
J aw a Te n g ah
13
55
164
9
76
797
14
1,335
307
2,988 Ce n t r al J av a
DI Y o g y ak ar t a
2
0
19
17
3
132
2
408
34
76
9
253
11
430
476
132
2,367
734
-
-
6
-
-
37
0
2
177
27
2
2
-
45
75
92
201
11
B an t e n
J aw a Tim u r B ali Kalim an t an B ar at
772 DI Y o g y ak ar t a 4,026 E ast J av a 286 B ali 528 We st Kalim an t an
0
-
0
-
1
7
22
55
7
10
2
14
-
99
154
33
765
151
Kalim an t an Se lat an
4
138
16
0
71
65
199
430
23
Su law e si Ut ar a
0
-
0
0
11
97
1
146
0
Go r o n t alo
0
-
1
-
2
52
3
7
91
47
-
-
-
-
6
0
18
4
35 We st Su law e si
Su law e si Te n g ah
3
1
-
0
19
61
1
166
3
360 Ce n t r al Su law e si
Su law e si Te n g g ar a
-
-
-
-
0
27
-
153
1
Su law e si Se lat an
1
0
3
0
22
95
4
647
15
Malu k u
-
-
0
-
0
3
0
7
0
Malu k u Ut ar a
-
-
-
-
-
-
-
23
-
100 No r t h Malu k u
NTB
1
8
3
0
113
79
2
103
7
514 We st Nu sa Te n g g ar a
NTT
-
2
0
-
69
5
1
34
1
Ir ian J ay a B ar at
-
-
-
-
5
31
0
30
3
P ap u a
1
-
0
-
35
119
3
57
7
L u ar In d o n e sia
-
0
-
-
197
-
2
-
1
Kalim an t an Te n g ah Kalim an t an Tim u r
Su law e si B ar at
45
86 Ce n t r al Kalim an t an 904 E ast Kalim an t an 504 So u t h Kalim an t an 75 No r t h Su law e si 53 Go r o n t alo
71 So u t h E ast Su law e si 1,891 So u t h Su law e si 43 Malu k u
25 E ast Nu sa Te n g g ar a 41 We st Ir ian J ay a 129 P ap u a - Ou t sid e In d o n e sia
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel. 46. T otal P embiayaan B ank P embiayaan R akyat S yariah berdas arkan S ektor E konomi dan P ropins i ( F inanc ing of Is lamic R ural B ank bas ed on E c onomic S ec tor and P rovinc e) P e r t an ian , k e h u t an an d an sar an a p e r t an ian
P e r t am b an g an
P e r in d u st r ian
L ist r ik , g as d an air
P e r d ag an g an , r e st o r an d an h o t e l
Ko n st r u k si
P ropins i
J asa d u n ia u sah a
J asa so sial / m asy ar ak at
L ain -lain
P ropins i
C ons truction
T rade, res taurants and hotels
T rans port, cargo s torage and communication
B us ines s S ervices
S ocial S ervices
4,591
30,231
400
1,944
1,292
13,870 Nan g g r o e A c e h Dar u ssalam
Mining
Mining
Manufacturing
Nan g g r o e A c e h Dar u ssalam
1,513
215
786
Su m at e r a Ut ar a
2,561
-
701
38
769
15,889
391
2,387
2,901
36,139 No r t h Su m at e r a
Su m at e r a B ar at
6,816
29
566
246
1,541
51,462
1,555
4,214
2,457
22,428 We st Su m at e r a
Su m at e r a Se lat an
Water, gas and electricity
P e n g an g k u t an , p e r g u d an g an d an k o m u n ik asi
-
O thers
P rovinc e
173
-
571
-
-
943
107
487
186
2,848 So u t h Su m at e r a
8,127
244
154
126
9,886
95,131
1,266
39,942
34
23,913 B an g k a B e lit u n g
-
-
-
-
-
-
-
-
-
- J am b i
32,543
29
1,042
-
2,766
27,796
261
448
91
8,817 B e n g k u lu
Riau
1,168
-
1,124
77
199
15,307
2,915
5,483
1,407
Ke p u lau an Riau
5,252
-
-
-
-
2,582
70
1,540
309
10,046
5
1,005
7
156
11,584
76
2,884
5,670
DKI J ak ar t a
13
0
165
-
220
18,944
-
360
82
J aw a B ar at
94,687
296
9,416
1,202
11,942
193,859
9,190
82,498
20,436
B an g k a B e lit u n g J am b i B e n g k u lu
L am p u n g
B an t e n J aw a Te n g ah DI Y o g y ak ar t a
281
-
519
-
4,405
224,945
1,188
6,669
9,140
13,311
164
3,754
387
29,572
74,383
4,064
19,745
9,483
1,281
150
3,579
276
1,936
30,737
554
22,016
12,926
22,527
116
5,021
251
7,032
118,423
7,075
42,366
11,556
B ali
-
-
791
-
133
4,263
-
12
1,327
Kalim an t an B ar at
-
-
-
-
-
-
-
-
-
Kalim an t an Te n g ah
-
-
-
-
-
-
-
-
-
Kalim an t an Tim u r
-
-
-
-
-
2,539
-
-
-
J aw a Tim u r
Kalim an t an Se lat an
28,720 Riau 14,108 Riau Islan d s 53,814 L am p u n g 2,041 DKI J ak ar t a 365,868 We st J av a 35,950 B an t e n 68,446 Ce n t r al J av a 33,849 DI Y o g y ak ar t a 187,125 E ast J av a 816 B ali - We st Kalim an t an - Ce n t r al Kalim an t an 3,906 E ast Kalim an t an
623
-
92
-
1,175
3,378
3,562
2,282
839
Su law e si Ut ar a
-
-
-
-
-
-
-
-
-
- No r t h Su law e si
Go r o n t alo
-
-
-
-
-
-
-
-
-
- Go r o n t alo
Su law e si B ar at
-
-
-
-
-
-
-
-
-
- We st Su law e si
Su law e si Te n g ah
-
-
-
-
-
-
-
-
-
- Ce n t r al Su law e si
Su law e si Te n g g ar a
-
-
-
-
-
-
-
-
-
Su law e si Se lat an
2,521
150
988
7
10,037
44,607
316
3,653
669
Malu k u
-
-
-
-
-
-
-
-
-
Malu k u Ut ar a
-
-
-
-
-
-
-
-
-
NTB
259
-
-
217
6,159
42,087
270
1,823
1,594
NTT
-
-
-
-
-
-
-
-
-
Ir ian J ay a B ar at
-
-
-
-
-
-
-
-
-
P ap u a
-
-
-
-
-
162
19
-
-
46
1,217 So u t h Kalim an t an
- So u t h E ast Su law e si 16,068 So u t h Su law e si - Malu k u - No r t h Malu k u 3,439 We st Nu sa Te n g g ar a - E ast Nu sa Te n g g ar a - We st Ir ian J ay a 467 P ap u a
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011 Miliar Ru p iah (in B illio n IDR) T abel. 47. T otal P embiayaan B ank Umum S yariah dan Unit Us aha S yariah berdas arkan J enis P eng g unaan dan P ropins i ( F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on T ype of Us age and P rovinc e) P ropins i
Modal K erja
Inves tas i
K ons ums i
Working C apital
Inves tment
P ropins i
C ons umption
P rovinc e
623
145
1,540 Nan g g r o e A c e h Dar u ssalam
Su m at e r a Ut ar a
1,870
934
1,966 No r t h Su m at e r a
Su m at e r a B ar at
629
187
1,570 We st Su m at e r a
Su m at e r a Se lat an
790
270
1,096 So u t h Su m at e r a
B an g k a B e lit u n g
17
72
182 B an g k a B e lit u n g
J am b i
400
125
B e n g k u lu
250
36
Riau
669
601
Ke p u lau an Riau
305
225
793 Riau Islan d s
L am p u n g
653
160
584 L am p u n g
DKI J ak ar t a
17,983
8,339
10,476 DKI J ak ar t a
J aw a B ar at
4,546
1,121
5,567 We st J av a
B an t e n
1,255
469
1,763 B an t e n
J aw a Te n g ah
2,186
585
2,988 Ce n t r al J av a
475
141
3,238
1,250
Nan g g r o e A c e h Dar u ssalam
DI Y o g y ak ar t a J aw a Tim u r
564 J am b i 121 B e n g k u lu 1,000 Riau
772 DI Y o g y ak ar t a 4,026 E ast J av a
B ali
216
6
Kalim an t an B ar at
241
212
44
48
Kalim an t an Tim u r
682
545
904 E ast Kalim an t an
Kalim an t an Se lat an
424
521
504 So u t h Kalim an t an
Su law e si Ut ar a
249
6
Go r o n t alo
55
102
Su law e si B ar at
67
8
35 We st Su law e si
Su law e si Te n g ah
219
35
360 Ce n t r al Su law e si
Su law e si Te n g g ar a
108
74
Su law e si Se lat an
598
190
Kalim an t an Te n g ah
286 B ali 528 We st Kalim an t an 86 Ce n t r al Kalim an t an
75 No r t h Su law e si 53 Go r o n t alo
71 So u t h E ast Su law e si 1,891 So u t h Su law e si
8
2
23
-
NTB
163
152
514 We st Nu sa Te n g g ar a
NTT
65
47
25 E ast Nu sa Te n g g ar a
Ir ian J ay a B ar at
45
25
P ap u a
101
121
L u ar In d o n e sia
199
1
Malu k u Malu k u Ut ar a
47
43 Malu k u 100 No r t h Malu k u
41 We st Ir ian J ay a 129 P ap u a - Ou t sid e In d o n e sia
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel. 48 T otal P embiayaan B ank P embiayaan R akyat S yariah berdas arkan J enis P eng g unaan dan P ropins i (F inanc ing of Is lamic R ural B ank bas ed on T ype of Us age and P rovinc e) P ropins i
Modal K erja
Inves tas i
K ons ums i
P ropins i
Working C apital
Inves tment
Nan g g r o e A c e h Dar u ssalam
39,560
1,412
13,870 Nan g g r o e A c e h Dar u ssalam
Su m at e r a Ut ar a
23,863
1,775
36,139 No r t h Su m at e r a
Su m at e r a B ar at
55,481
13,405
22,428 We st Su m at e r a
1,424
1,043
2,848 So u t h Su m at e r a
141,955
12,954
23,913 B an g k a B e lit u n g
Su m at e r a Se lat an B an g k a B e lit u n g
C ons umption
-
-
B e n g k u lu
51,624
13,350
Riau
20,325
7,356
28,720 Riau
2,509
7,244
14,108 Riau Islan d s
L am p u n g
19,943
11,488
DKI J ak ar t a
19,784
0
J aw a B ar at
366,552
56,974
B an t e n
198,372
48,777
35,950 B an t e n
J aw a Te n g ah
119,999
34,865
68,446 Ce n t r al J av a
DI Y o g y ak ar t a
61,963
11,492
182,863
31,505
5,101
1,426
Kalim an t an B ar at
-
-
Kalim an t an Te n g ah
-
-
2,539
-
3,906 E ast Kalim an t an
11,950
1
1,217 So u t h Kalim an t an
Su law e si Ut ar a
-
-
- No r t h Su law e si
Go r o n t alo
-
-
- Go r o n t alo
Su law e si B ar at
-
-
- We st Su law e si
Su law e si Te n g ah
-
-
- Ce n t r al Su law e si
Su law e si Te n g g ar a
-
-
61,881
1,067
Malu k u
-
-
Malu k u Ut ar a
-
-
NTB
42,184
10,226
NTT
-
-
Ir ian J ay a B ar at
-
-
146
35
J am b i
Ke p u lau an Riau
J aw a Tim u r B ali
Kalim an t an Tim u r Kalim an t an Se lat an
Su law e si Se lat an
P ap u a
48
- J am b i 8,817 B e n g k u lu
53,814 L am p u n g 2,041 DKI J ak ar t a 365,868 We st J av a
33,849 DI Y o g y ak ar t a 187,125 E ast J av a 816 B ali - We st Kalim an t an - Ce n t r al Kalim an t an
- So u t h E ast Su law e si 16,068 So u t h Su law e si - Malu k u - No r t h Malu k u 3,439 We st Nu sa Te n g g ar a - E ast Nu sa Te n g g ar a - We st Ir ian J ay a 467 P ap u a
P rovinc e
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011 Miliar Ru p iah (in B illio n IDR) T abel. 49. T otal P embiayaan B ank Umum S yariah dan Unit Us aha S yariah berdas arkan G olong an P iutang /P embiayaan dan P ropins i ( F inanc ing of Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on T ype of F inanc ing and P rovinc e) P ropins i
Us aha K ec il dan Meneng ah
S elain Us aha K ec il dan Meneng ah
S mall and Medium E nterpris es Nan g g r o e A c e h Dar u ssalam
1,804
Su m at e r a Ut ar a
3,276
Su m at e r a B ar at
1,929
Su m at e r a Se lat an B an g k a B e lit u n g J am b i B e n g k u lu
P ropins i
Non S mall and Medium E nterpris es
1,494 No r t h Su m at e r a 457 We st Su m at e r a
849
1,307 So u t h Su m at e r a
43
228 B an g k a B e lit u n g
1,030 363
58 J am b i 43 `
Riau
1,906
365 Riau
K e p u lau an Riau
1,127
195 Riau Islan d s
L am p u n g
912
485 L am p u n g
DK I J ak ar t a
26,631
10,167 DKI J ak ar t a
J aw a B ar at
7,317
3,917 We st J av a
B an t e n
2,027
1,460 B an t e n
J aw a Te n g ah
4,180
1,578 Ce n t r al J av a
DI Y o g y ak ar t a J aw a Tim u r
951 6,635
437 DI Y o g y ak ar t a 1,878 E ast J av a
B ali
368
140 B ali
K alim an t an B ar at
699
282 We st Kalim an t an
K alim an t an Te n g ah
140
38 Ce n t r al Kalim an t an
K alim an t an Tim u r
1,732
399 E ast Kalim an t an
K alim an t an Se lat an
1,224
226 So u t h Kalim an t an
Su law e si Ut ar a
229
Go r o n t alo
204
Su law e si B ar at Su law e si Te n g ah Su law e si Te n g g ar a Su law e si Se lat an
101 No r t h Su law e si 6 Go r o n t alo
35
76 We st Su law e si
365
250 Ce n t r al Su law e si
76 1,829
Malu k u
34
Malu k u Ut ar a
15
177 So u t h E ast Su law e si 849 So u t h Su law e si 20 Malu k u 108 No r t h Malu k u
NTB
498
331 We st Nu sa Te n g g ar a
NTT
66
72 E ast Nu sa Te n g g ar a
Ir ian J ay a B ar at
39
72 We st Ir ian J ay a
P ap u a L u ar In d o n e sia
303 2
49
P rovinc e
505 Nan g g r o e A c e h Dar u ssalam
47 P ap u a 198 Ou t sid e In d o n e sia
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
J u t a Ru p iah (in Millio n IDR) T abel. 50 T otal P embiayaan B ank P embiayaan R akyat S yariah berdas arkan G olong an P iutang /P embiayaan dan P ropins i (F inanc ing of Is lamic R ural B ank bas ed on T ype of F inanc ing and P rovinc e) P ropins i
Us aha K ec il dan Meneng ah
S elain Us aha K ec il dan Meneng ah
S mall and Medium E nterpris es
P ropins i
Non S mall and Medium E nterpris es
P rovinc e
Nan g g r o e A c e h Dar u ssalam
40,612
14,230 Nan g g r o e A c e h Dar u ssalam
Su m at e r a Ut ar a
19,169
42,608 No r t h Su m at e r a
Su m at e r a B ar at
63,629
27,685 We st Su m at e r a
Su m at e r a Se lat an B an g k a B e lit u n g J am b i B e n g k u lu
2,434
2,880 So u t h Su m at e r a
154,580
24,241 B an g k a B e lit u n g
-
- J am b i
61,491
12,301 `
Riau
9,562
46,839 Riau
K e p u lau an Riau
9,480
14,380 Riau Islan d s
L am p u n g
29,417
DK I J ak ar t a
19,765
J aw a B ar at
377,859
B an t e n
242,273
40,825 B an t e n
J aw a Te n g ah
149,551
73,759 Ce n t r al J av a
DI Y o g y ak ar t a J aw a Tim u r B ali
55,828 L am p u n g 2,059 DKI J ak ar t a 411,534 We st J av a
49,898
57,407 DI Y o g y ak ar t a
196,168
205,324 E ast J av a
6,525
818 B ali
K alim an t an B ar at
-
- We st Kalim an t an
K alim an t an Te n g ah
-
- Ce n t r al Kalim an t an
K alim an t an Tim u r K alim an t an Se lat an
2,539
3,906 E ast Kalim an t an
11,951
1,217 So u t h Kalim an t an
Su law e si Ut ar a
-
- No r t h Su law e si
Go r o n t alo
-
- Go r o n t alo
Su law e si B ar at
-
- We st Su law e si
Su law e si Te n g ah
-
- Ce n t r al Su law e si
Su law e si Te n g g ar a
-
- So u t h E ast Su law e si
Su law e si Se lat an
25,166
53,849 So u t h Su law e si
Malu k u
-
- Malu k u
Malu k u Ut ar a
-
- No r t h Malu k u
NTB
41,624
NTT
-
- E ast Nu sa Te n g g ar a
Ir ian J ay a B ar at
-
- We st Ir ian J ay a
P ap u a
14,225 We st Nu sa Te n g g ar a
181
467 P ap u a
50
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011 d af t ar isi
Miliar Ru p iah (in B illio n IDR) T abel. 51. T otal P embiayaan, Dana P ihak K etig a, F DR B ank Umum S yariah dan Unit Us aha S yariah berdas arkan K ota/kabupaten
P ropins i
B an t e n
J aw a B ar at
(F inanc ing, Depos itor F unds , perc entage of F DR Is lamic C ommerc ial B ank and Is lamic B us ines s Unit bas ed on C ity/Dis tric t) D K ota/K abupaten C ity/Dis tric t P embiayaan P embiayaan Dana P ihak K etig a a F DR (F inanc ing) (F inanc ing) (Depos itor F unds ) n 82.43% Kab . Tan g e r an g Kab . Tan g e r an g 1,006 1,022 1,220 Kab . Se r an g
1,036
1,063
1,424
Kab . P an d e g lan g
277
282
156
Kab . L e b ak
487
509
608
80.18% Kab . L e b ak
Kab . P u r w ak ar t a
217
226
253
85.90% Kab . P u r w ak ar t a
Kab . B o g o r
119
159
170
13
13
32
Kab . B an d u n g
8
8
0.2
4663.95% Kab . B an d u n g
Kab . Ku n in g an
25
26
1.4
1774.56% Kab . Ku n in g an
918
946
614
4,088
4,209
4,158
Ko d y a B an d u n g
1,481
1,509
1,605
230
241
158
145.58% Ko d y a B o g o r
1,190
1,244
737
161.49% Ko d y a Su k ab u m i
Ko d y a Cir e b o n
646
669
330
195.62% Ko d y a Cir e b o n
Ko t if Tasik m alay a
163
172
121
134.75% Ko t if Tasik m alay a
Ko t if Cim ah i
487
485
589
Ko t if De p o k
1,215
1,259
1,482
81.94% Ko t if De p o k 105.31% Ko t if B e k asi
1,022 22,878
Wil. Ko t a J ak ar t a Ut ar a
1,726
1,818
2,415
71.44% Wil. Ko t a J ak ar t a Ut ar a
Wil. Ko t a J ak ar t a B ar at
2,036
2,112
1,316
154.65% Wil. Ko t a J ak ar t a B ar at
11,813
12,154
20,108
2,247
2,341
2,973
14
15
70
1,374
Kab . Sle m an Ko d y a Y o g y ak ar t a
Kab . P at i
50
14
181
102
174.33% Kab . Ku d u s
523
256
201.01% Kab . B an y u m as
Kab . Cilac ap Ko d y a Se m ar an g
205
166
123.42% Kab . Gr e sik
Kab . Sid o ar jo
373
394
258
144.73% Kab . Sid o ar jo
Kab . P am e k asan
157
146
154
101.45% Kab . P am e k asan
Kab . B an y u w an g i
161
164
59
Kab . J e m b e r
568
588
357
159.18% Kab . J e m b e r
Kab . B o jo n e g o r o
150
155
148
101.60% Kab . B o jo n e g o r o
Ko d y a Su r ab ay a
4,181
4,259
4,457
Ko d y a Malan g
1,539
1,538
1,018
37
40
19
Ko d y a Ke d ir i
1,067
1,107
1,345
805.31% Ko t if P u r w o k e r t o
272.76% Kab . B an y u w an g i
197.38% Ko d y a B lit ar 79.32% Ko d y a Ke d ir i
78
39
417
245
166.10% Ko d y a B e n g k u lu
Ko d y a J am b i
1,088
1,130
559
194.75% Ko d y a J am b i
Ko d y a B an d a A c e h
1,355
1,365
1,083
Ko t if L h o k se u m aw e
479
483
174
275.73% Ko t if L h o k se u m aw e
Ko t if L an g sa
257
265
125
205.94% Ko t if L an g sa
Ko t if Sim e u lu e
217
218
99
219.59%
57
61
29
194.74% Kab . De li Se r d an g
Kab . L ab u h an B at u
280
279
146
191.97% Kab . L ab u h an B at u
Ko d y a Te b in g Tin g g i
180
195
104
172.75% Ko d y a Te b in g Tin g g i
Ko d y a B in jai
411
382
146
282.35% Ko d y a B in jai
Ko d y a P e m at an g Sian t ar
543
542
353
154.02% Ko d y a P e m at an g Sian t ar
40
41
40
90
98
35
2,642
2,696
2,614
527
538
193.96% Ko d y a Mad iu n
369
142.75% Ko t if P ad an g Sid e m p u an
496
391
123.04% Ko d y a B u k it t in g g i
1,470
1,061
469
127
Kab . B e n g k alis
103
104
161
1,923
1,713
276
284
273
428
426
445
135.17% Ko d y a P ad an g 63.55% Kab . B e n g k alis 101.21% Kab . Nat u n a 96.03% Ko t if Tan ju n g p in an g
895
900
769
1,639
1,694
2,073
271
281
300
101
103
20
516.81% Ko t if P ag ar A lam
Kab . B e lit u n g
153
159
72
211.18% Kab . B e lit u n g
Kab . B an g k a
263
288
113
232.17% Kab . B an g k a
Kab . L am p u n g Te n g ah
270
278
125
215.07% Kab . L am p u n g Te n g ah
Ko d y a B an d ar L am p u n g
976
1,035
638
153.08% Ko d y a B an d ar L am p u n g
Kab . B an jar
118
125
135
73
70
56
Kab . Sam b as Kab . Ke t ap an g
8
10
9
1,261
1,304
3
2
12
98
129
94 14
16
14
42
44
92
Ko d y a P o n t ian ak
832
859
767
Kab . Ku t ai
233
79.07% Ko t if P r ab u m u lih 90.62% Ko t if B at u r aja
88.42% Kab . Tab alo n g 21.62% Ko d y a B an jar b ar u 72.32% Kab . P o n t ian ak 101.25% Kab . Sam b as 45.25% Kab . Ke t ap an g
183
127.10% Kab . Ku t ai
4
0.3
1701.58% Kab . P asir
1,023
1,257
77.25% Ko d y a Sam ar in d a
964
805
114.66% Ko d y a B alik p ap an
7
9
26
6
7
12
172
185
148
152
64
Ko d y a P alu Kab . Wajo Kab . Mam u ju Kab . L u w u
467
48.58% Kab . Ko t aw ar in g in Tim u r
481
273
58
62
24
244.23% Kab . Wajo
111
119
41
268.17% Kab . Mam u ju 224.78% Kab . L u w u
84
36
2,559
1,427
Kab . Ke p u lau an Talau d
330
338
139
237.40% Kab . Ke p u lau an Talau d
Kab . Min ah asa Se lat an
210
219
204
102.93% Kab . Min ah asa Se lat an
Kab . Mam asa
41
44
21
212
216
251
Kab . L o m b o k B ar at
26
28
1.2
Kab . L o m b o k Tim u r
94
93
51
710
735
483
Ko d y a Mat ar am
177.84% Kab . Go r o n t alo
Ce n t r al Su law e si
Su law e si Se lat an Go r o n t alo Su law e si Ut ar a
197.67% Ko d y a B it u n g 84.40% Kab . Mam asa
Su law e si B ar at
2208.05% Kab . L o m b o k B ar at 183.35% Kab . L o m b o k Tim u r
We st Nu sa Te n g g ar a
147.05% Ko d y a Mat ar am
47
50
4
Ko d y a De n p asar
460
466
318
Nu sa Te n g g ar a Tim u r
Ko d y a Ku p an g
137
142
89
154.66% Ko d y a Ku p an g
E ast Nu sa Te n g g ar a
Malu k u
Ko d y a A m b o n
53
53
98
54.58% Ko d y a A m b o n
Malu k u
B ali
Ir ian J ay a B ar at P ap u a Malu k u Ut ar a L u ar In d o n e sia
Kab . B ad u n g
Ce n t r al Kalim an t an
89.52% Ko d y a P alan g k ar ay a 170.95% Ko d y a P alu
82
Ko d y a B it u n g
E ast Kalim an t an
25.83% Kab . Ko t aw ar in g in B ar at
231.80% Kab . B an g g ai
2,538
Kab . Go r o n t alo
We st Kalim an t an
108.40% Ko d y a P o n t ian ak
4
166
So u t h Kalim an t an
95.76% Ko d y a B an jar m asin
923
Kab . B an g g ai
L am p u n g
87.11% Kab . B an jar
971
Ko d y a P alan g k ar ay a
So u t h Su m at e r a
B an g k a B e lit u n g
131.39% Kab . H u lu Su n g ai Se lat an
Ko d y a B alik p ap an Kab . Ko t aw ar in g in Tim u r
250
Riau Islan d s
116.34% Ko d y a P u lau B at am
Ko d y a Sam ar in d a
Kab . P asir
Riau
110.42% Kab . Kar im u n
Ko t if P ag ar A lam
1,249
We st Su m at e r a
371.97% Ko d y a P ay ak u m b u h
Ko t if B at u r aja
Kab . Tab alo n g
No r t h Su m at e r a
97.64% Ko d y a Tan ju n g B alai 101.07% Ko d y a Me d an
471 1,892
NA D
257.99% Ko d y a Sib o lg a
481
Ko t if Tan ju n g p in an g
J am b i
Ko t if Sim e u lu e
1,434
Kab . Nat u n a
B e n g k u lu
125.16% Ko d y a B an d a A c e h
Ko d y a P ay ak u m b u h
Ko d y a P ad an g
E ast J aw a
93.80% Ko d y a Su r ab ay a 151.19% Ko d y a Malan g
76
Kab . Ko t aw ar in g in B ar at
Nu sa Te n g g ar a B ar at
121.15% Ko d y a Su r ak ar t a
406
Ko d y a B e n g k u lu
Kab . P o n t ian ak
Su law e si B ar at
230.57% Ko d y a Te g al
Ce n t r al J aw a
126.30% Ko d y a Salat ig a
205
Ko d y a B an jar b ar u
Su law e si Ut ar a
120.23% Ko d y a P e k alo n g an
121.57% Ko d y a Se m ar an g
Kab . Gr e sik
Ko d y a B an jar m asin
Go r o n t alo
568
14
Kab . H u lu Su n g ai Se lat an
Su law e si Se lat an
687
132
Ko t if P r ab u m u lih
Su law e si Te n g ah
682
1,392
Ko d y a P u lau B at am
Kalim an t an Te n g ah
121.28% Kab . Cilac ap
118
Kab . Kar im u n
Kalim an t an Tim u r
19
329
Ko d y a B u k it t in g g i
Kalim an t an B ar at
26
1,748
Ko t if P ad an g Sid e m p u an
Kalim an t an Se lat an
24
115
Ko d y a Me d an
L am p u n g
55 1,662
304
Ko d y a Sib o lg a
B an g k a B e lit u n g
68 2,181
1,686
Ko d y a Tan ju n g B alai
Su m at e r a Se lat an
67 2,021
Ko d y a B lit ar
DIY
331.11% Kab . P at i
Ko t if P u r w o k e r t o
Kab . De li Se r d an g
Ke p u lau an Riau
93.48% Ko d y a Y o g y ak ar t a 155.45% Kab . Ke n d al 1704.18% Kab . Te g al
45
Ko d y a Mad iu n
Riau
19.62% Kab . Sle m an
514
Ko d y a Su r ak ar t a
Su m at e r a B ar at
6
75.60% Wil. Ko t a J ak ar t a Tim u r
179
Ko d y a Te g al
Su m at e r a Ut ar a
13
DKI J ak ar t a
58.75% Wil. Ko t a J ak ar t a Se lat an
Kab . B an y u m as
Ko d y a P e k alo n g an
NA D
1,470
24 108
82.95% Wil. Ko t a J ak ar t a P u sat
Kab . Ku d u s
Ko d y a Salat ig a
J am b i
1,433
20 102
We st J aw a
82.60% Ko t if Cim ah i
1,094 19,354
Kab . Te g al
B e n g k u lu
92.25% Ko d y a B an d u n g
1,076
Kab . Ke n d al
J aw a Tim u r
98.30% Ko t if B an jar
18,976
Wil. Ko t a J ak ar t a Tim u r
J aw a Te n g ah
149.57% Kab . Su b an g
Wil. Ko t a J ak ar t a P u sat
Wil. Ko t a J ak ar t a Se lat an
B an t e n
38.92% Kab . Su k ab u m i
Ko t if B an jar
Ko t if B e k asi
P rovinc e
133.97% Kab . B o g o r
Kab . Su b an g
Ko d y a Su k ab u m i
DIY
177.00% Kab . P an d e g lan g
Kab . Su k ab u m i
Ko d y a B o g o r
DKI J ak ar t a
72.74% Kab . Se r an g
Kab . Man o k w ar i
89
90
99
350
359
296
23
25
15
Ko t if Te r n at e
123
122
152
DI L UA R INDONE SIA
200
203
165
Kab . Te lu k B in t u n i Ko d y a J ay ap u r a
51
1093.92% Kab . B ad u n g 144.83% Ko d y a De n p asar
90.17% Kab . Man o k w ar i 118.53% Kab . Te lu k B in t u n i 151.44% Ko d y a J ay ap u r a 81.05% Ko t if Te r n at e 121.40% DI L UA R INDONE SIA
B ali
We st Ir ian J ay a P ap u a No r t h Malu k u Ou t sid e In d o n e sia
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
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) 140,000 120,000 100,000 80,000 60,000
40,000 20,000
0 Oct-10
Nov-10
Dec-10
Aset (Assets)
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Dana Pihak Ketiga (Depositor Funds)
52
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Pembiayaan Yang Diberikan (Financing)
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank ) Juta rupiah (in Million IDR) 3,500,000 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 500,000 0 Oct-10
Nov-10
Dec-10
Aset (Assets)
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Dana Pihak Ketiga (Depositor Funds)
53
Jun-11
Jul-11
Aug-11
Sep-11
Pembiayaan Yang Diberikan (Financing)
Oct-11
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
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%
30.00%
92.00% 90.00%
20.00%
88.00%
10.00%
86.00%
0.00%
84.00% Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11
% Aset (Assets Growth)
% PYD (Financing Growth)
Jul-11 Aug-11 Sep-11 Oct-11
% DPK (Dep. Funds Growth)
54
FDR (Right Axis)
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)
35%
142%
140% 30%
138%
136%
25%
134% 20%
132% 130%
15%
128% 10%
126% 124%
5%
122% 0%
120% Oct-10
Nov-10
Dec-10
Jan-11
% Aset (Assets Growth)
Feb-11
Mar-11
Apr-11
% PYD (Financing Growth)
May-11
Jun-11
% DPK (Dep. Funds Growth)
55
Jul-11
Aug-11
FDR (Right Axis)
Sep-11
Oct-11
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit)
Modal (Capital) 5.2%
Pinjaman yang Diterima (Received Borrowing) 0.3%
Kewajiban Kepada Bank Lain (Inter-bank Liabilities) 6.3% Surat Berharga (Securities) 0.8%
Dana Pihak Ketiga (Depositor Funds) 87.4%
Oktober 2011 (Octoberr 2011)
56
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank)
Kewajiban Lainnya (Other Liabilities) 0.7%
Dana Pihak Ketiga (Depositor Funds) 64.3%
Kewajiban Kepada Bank Lain (Liabilities to other bank) 16.3%
Pinjaman yang Diterima (Received Borrowing) 3.8%
Oktober 2011 (October 2011)
Modal (Capital) 14.8%
57
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit) Surat Berharga (Investment in Securities) 5.9% Penempatan di BI (Placement at BI) 6.0%
Penyertaan (Equity participation) Tagihan Lainnya 0.1% (Billing and Acceptable Liabilities) 0.4%
Penempatan di Bank Lain (Inter - bank assets ) 4.4%
PYD (Financing) 83.3%
Oktober 2011 (October 2011)
58
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
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%
October 2011 (October 2011)
59
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Triliun Rupiah (in Trillion IDR) 85.00
80.00
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) 10% Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
9%
75.00
70.00
8%
65.00
60.00
7%
55.00 6%
50.00 45.00
5%
40.00 35.00
4%
30.00 3%
25.00
20.00 2%
15.00
10.00
1%
5.00
0.00
0%
Oct-10
Nov-10 Dec-10
Jan-11
Feb-11 Mar-11
Apr-11 May-11 Jun-11
60
Jul-11
Aug-11 Sep-11
Oct-11
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Juta Rupiah (in Million IDR)
Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF - Islamic Rural Bank) 15%
2,400,000 2,200,000
Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
13%
2,000,000 11%
1,800,000
1,600,000
9%
1,400,000
7%
1,200,000 1,000,000
5%
800,000 3%
600,000 400,000
1% 200,000 0
-1%
Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11
Apr-11 May-11 Jun-11
61
Jul-11
Aug-11 Sep-11 Oct-11
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
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%
90.00% 80.00%
2.00%
70.00% 60.00%
1.50% 50.00% 40.00% 1.00% 30.00% 20.00%
0.50%
10.00% 0.00%
0.00% Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
ROA (Left Axis)
Mar-11
Apr-11
May-11
ROE (Right Axis)
Jun-11
BOPO (Right Axis)
62
Jul-11
Aug-11
Sep-11
Oct-11
Statistik Perbankan Syariah (Islamic Banking Statistics), October 2011
Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank)
4%
90%
4%
80% 70%
3%
60% 3% 50% 2% 40% 2% 30% 1%
20%
1%
10%
0%
0% Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
ROA (Left Axis)
Mar-11
Apr-11
ROE (Right Axis)
May-11
Jun-11
BOPO (Right Axis)
63
Jul-11
Aug-11
Sep-11
Oct-11
