KATA PENGANTAR FOREWARD

KATA PENGANTAR FOREWARD Statistik Perbankan Syariah (SPS) merupakan media publikasi yang menyajikan data mengenai perbankan syariah di Indonesia. SPS diterbitkan secara bulanan oleh Departemen Perizinan dan Informasi Perbankan untuk memberikan gambaran perkembangan perbankan di Indonesia.

The Sharia Indonesia Banking Statistic is a publication media that provides data regarding the Sharia banking industry in Indonesia. The SPS is published by Banking Licensing and Information Department monthly to give an overview of banking development in Indonesia.

Mulai bulan Mei 2014, data SPS yang merupakan kumpulan data Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) disusun bersumber dari laporan BUS-UUS sesuai dengan PBI No.15/4/PBI/2013 tentang Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah.

Start in May 2014, data of the SPS which is a collection of data Sharia Commercial Bank (BUS) and Sharia Business Unit (UUS) compiled sourced from the report of BUS-UUS based on PBI No. 15/4/PBI/2013 about Monthly Report on Monetary and Financial System Stability of Sharia Commercial Banks and Sharia Business Unit.

Sebelumnya laporan dari BUS-UUS disusun berdasarkan PBI No. 5/26/PBI/2003 tentang Laporan Bulanan Bank Umum Syariah.

Previously report from BUS-UUS compiled based on PBI No. 26/5/PBI/2003 about Monthly Report of Sharia Commercial Banks.

Pada SPS edisi Desember 2015 ini terdapat perubahan format data BUS-UUS. Perubahan ini untuk menyesuaikan sumber data sebelumnya Laporan Bulanan Bank Umum Syariah (LBUS) menjadi Laporan Stabilitas Moneter dan Sistem Keuangan (LSMK). Untuk membantu pembaca dalam memahami perubahan ini, maka pada edisi Desember 2015 telah dilengkapi dengan matrikulasi perubahan tabel dan metadata. Di samping perubahan format, juga terdapat perubahan susunan tabel sehingga tabel BUSUUS di tabel 1 – 25. Sedangkan tabel BPRS di tabel 26-47. Semoga perubahan ini dapat memberikan informasi yang lebih menyeluruh kepada stakeholder.

In the December 2015, edition of the SPS, there are changes BUS-UUS data format. These changes to customize the data source previously Sharia Commercial Bank Monthly Report (LBUS) became Monetary Stability Report and Financial System (LSMK). To assist the reader in understanding this change, then the December 2015 edition has been equipped with matriculation of changes tables and metadata. Besides the change of format, there is also a change in the composition of the table so that the table BUS-UUS in tables 1 - 25. The BPRS table in table 26-47. Hopefully this change will provide more comprehensive information for stakeholders.

Jakarta, April 2016 Jakarta, April 2016

Otoritas Jasa Keuangan, Republik Indonesia Departemen Perizinan dan Informasi Perbankan Financial Services Authority, Republic of Indonesia Banking Licensing and Information Department

STATISTIK PERBANKAN SYARIAH

i

HALAMAN KETERANGAN PAGE OF REFERANCE Jadwal Publikasi Kedepan Edisi Maret 2016 akan diterbitkan pada minggu ke III bulan Mei 2016.

Advance Release Calender (ARC) March 2016 edition will be released on the 3rd week of May 2016.

Tanda-tanda, dan Sumber Data Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angka-angka yang bersangkutan karena pembulatan.

Notes, Symbols and Sources of Data Totals do not necessarily agree with the sum of items shown because of roundings.

r ( ) * ** *** ... -$

r ( ) * ** *** ... -$

Angka-angka diperbaiki Sebagian dari suatu jumlah Angka-angka sementara Angka-angka sangat sementara Angka-angka sangat-sangat sementara Tidak ada Angka belum tersedia Nol atau lebih kecil daripada digit terakhir Dolar Amerika Serikat

Revised figures Subset of data Provisional figures Very provisional figures Estimated figures Not available Figures are not available yet Nil or less than the last digit US Dollar

Tanda koma pada angka-angka harap dibaca sebagai titik dan sebaliknya tanda titik harap dibaca sebagai koma.

Commas in the numbers please read as point and vice versa, please read the point as a comma

Sumber Data : Bank Indonesia dan Otoritas Jasa Keuangan, kecuali jika dinyatakan lain. 1. Data yang digunakan dalam Publikasi SPS bersumber dari Laporan Stabilitas Moneter dan Sistem Keuangan (LSMK), dan Laporan Berkala Bank Pembiayaan Rakyat Syariah (LBBPRS) kecuali dinyatakan lain. 2. Proses download data; Laporan Stabilitas Moneter dan Sistem Keuangan (LSMK) dan Laporan Berkala Bank Pembiayaan Rakyat Syariah (LBBPRS) yang disampaikan dari bank pelapor kepada Bank Indonesia diproses pada server web LBUS dan Lapbul BPRS. Perbedaan waktu proses data LBUS dan lapbul BPRS dapat menyebabkan perbedaan antara data yang dipublikasikan ini dengan data publikasi yang lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu proses data. Misalnya pemrosesan data bulan laporan Mei 2015 untuk Publikasi SPS penerbitan periode ini dilakukan dari tanggal 10 Juli s/d tanggal 15 Juli 2015. 3. Nominal data Bank Umum Syariah dan Unit Usaha Syariah disajikan dalam milyar rupiah sedangkan data Bank Pembiayaan Rakyat Syariah disajikan dalam jutaan rupiah.

Data Source : Bank Indonesia and Financial Services Authority unless mentioned otherwise. 1. The data used in the Sharia Banking Statistics is sourced from Stability Report Monetary and Financial System (LSMK), and the Sharia Rural Bank Periodic Reports unless mentioned otherwise. 2. Data downloading process; Data from Sharia Bank and Sharia Rural Bank Periodic Reports which submitted by the reporting banks to Bank Indonesia, is processed on the web server LSMK and LBBPRS. The difference in the processing time may result in variations of the data published compared to other published data. Therefore, readers are recommended to pay attention to the download time of data. The processing of the May 2015 monthly reports for this period of the Sharia Banking Statistics was done from 10 July until 15 July 2015.

Departemen Perizinan dan Informasi Perbankan Deputi Direktur Publikasi dan Administrasi (IDAP) Otoritas Jasa Keuangan Menara Radius Prawiro Jl. MH Thamrin No. 2, Jakarta Pusat Email: [email protected] Telepon: (021) 1500 655 Fax: (021) 386 6032

Bank Licensing and Banking Information Department Administration and Publication Deputy Director (IDAP) Indonesia Financial Services Authority Radius Prawiro Tower Jl. MH Thamrin No. 2, Central Jakarta Email: [email protected] Telephone: +62-21— 1500 655 Fax: +62-21-386 6032

3.

The amount of Sharia Commercial Bank and Sharia Business Unit data represents in billion rupiah while Sharia Rural Bank data represents in million rupiah.


ii

DAFTAR ISI TABLE OF CONTENT

KATA PENGANTAR

i

HALAMAN KETERANGAN

ii

INTRODUCTION

i

PAGE OF REFFERENCE

ii

DAFTAR ISI

iii

TABLE OF CONTENT

iii

DAFTAR SINGKATAN

iv

LIST OF ABBREVIATIONS

iv

GLOSSARY

v

DAFTAR ISTILAH

v

DAFTAR TABEL

vii

LIST OF TABLES

vii

DAFTAR MATRIKULASI

xii

MATRICULATION TABLES

xii


iii

DAFTAR SINGKATAN LIST OF ABBREVIATION

UUS

:

Unit Usaha Syariah

BUS

:

Bank Umum Syariah

BPRS

:

Bank Pembiayaan Rakyat Syariah

PT

:

Perseroan Terbatas

BPD

:

Bank Pembangunan Daerah

SWBI

:

Sertifikat Wadiah Bank Indonesia

SBIS

:

Sertifikat Bank Indonesia Syariah

UKM

:

Usaha Kecil dan Menengah

PPAP

:

Penyisihan Penghapusan Aktiva Produktif

PUAS

:

Pasar Uang Antar Bank berdasarkan prinsip Syariah

FDR

:

Financing to Deposit Ratio, yaitu rasio pembiayaan terhadap dana pihak ketiga

NPF

:

Non Performing Financing, yaitu rasio pembiayaan bermasalah terhadap total pembiayan

ROA

:

terhadap total asset rata-rata :

terhadap total modal rata-rata :

Rasio Biaya Operasional terhadap Pendapatan Operasional

DPK

:

Dana Pihak Ketiga

PYD

:

Pembiayaan yang Diberikan

Sharia Business Unit of a Conventional Bank

BUS

:

Sharia Commercial Bank

BPRS

:

Sharia Rural Bank

PT

:

Limited Liabilities Company

BPD

:

Regional Government Bank

SWBI

:

Wadiah Sharia Certificate of Bank Indonesia

SBIS

:

Sharia Certificate of Bank Indonesia

UKM

:

Small and Medium Scale Enterprise

PPAP

:

Allowances for Earning Assets Losses

PUAS

:

Interbank Sharia Money Market

FDR

:

Financing to Deposit Ratio

NPF

:

Non Performing Financing

ROA

:

Return on Assets, that is the ratio of annualized earnings before taxes to average assets

ROE

:

Return on Equity, that is the ratio of annualized earnings after taxes

Return on Equity, yaitu rasio laba setelah pajak (disetahunkan)

BOPO

:

Return on Assets, yaitu rasio laba sebelum pajak (disetahunkan)

ROE

UUS

to average equity BOPO

:

The ratio of Operational Expenses to Operational Revenue

DPK

:

Depositor Funds

PYD

:

Financing

IDR

:

Indonesian Rupiah


iv

DAFTAR ISTILAH GLOSSARY Akad Wadiah

:

Wadiah Contract

Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana atau barang dengan kewajiban bagi pihak yang menyimpan untuk mengembalikan dana atau barang titipan sewaktu-waktu. A contract between the owner of the goods (the money) and the custodian for safekeeping.

Akad Mudharabah

:

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. A contract in which the seller undertakes to supply some specific goods to the buyer on a future date at a mutually agreed price fully paid at the time of contract.

Akad Istishna’ Istishna’ 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.


v

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.

Akad Qardh

:

Qardh Contract

Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa imbalan dengan kewajiban pihak peminjam mengembalikan 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 hasil/fee/bonus Equivalent rate of return/profit sharing/fee/bonus

:

Indikasi tingkat imbalan dari suatu penghimpunan dana bank pelapor.

penanaman

dana

atau

Indicative rate of return from Placement of Funds or Source of Funds of the reporting bank.


vi

DAFTAR TABEL LIST OF TABLES

NO.

NO. TABEL

JUDUL

HAL

NO.

TOPIC

TABLE

PAGES

Bank Umum Syariah dan Unit Usaha Syariah 1.

1.

Kinerja Keuangan Bank Umum Syariah dan Unit Usaha Syariah

2

1.

Financial Ratios of

Sharia

2

Commercial Bank and Sharia Business Unit

2.

2.

Perkembangan Total Aset, Jaringan Kantor dan Tenaga Kerja Perbankan Syariah

4

2.

Sharia Banking Network

4

3.

3.

Jaringan Kantor Individual Perbankan Syariah

5

3.

Individual Sharia Commercial

5

Bank and Sharia Business Unit

4.

4.

Sebaran Jaringan Kantor BUS dan UUS berdasarkan DATI 1

6

4.

Distribution

of

Sharia

6

Commercial Bank and Sharia Business Unit Network by Region

5.

5.

Jumlah Kantor Layanan Syariah dari Unit Usaha Syariah

8

7.

Office Channeling of Sharia

8


6.

7.

8.

9.

6.

7.

8.

9.

Kegiatan Usaha Bank Umum Syariah dan Unit Usaha Syariah

9

6.

Sharia Commercial Bank and Sharia

Business

9

Unit

Operations

Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah

15

Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah

18

Aktiva Produktif berdasarkan Kualitas - Bank Umum Syariah dan Unit Usaha Syariah

21

7.

Off Balance Sheet Account -

15

Sharia Commercial Bank and Sharia Business Unit 8.

Condensed Income Statement

18

- Sharia Commercial Bank and Sharia Business Unit 9.

Earning

Assets

Collectibility

based of

on

21

Sharia

Commercial Bank and Sharia Business Unit 10.

10.

Surat Berharga yang Dimiliki dan Diterbitkan Berdasarkan Jenis dan Kategori Pengukuran Bank Umum Syariah dan Unit Usaha Syariah

24

10.

Investment Based

in on

Securities

24

Instrument

Categories and Measurement Methods

of

Sharia



vii

NO. 11.

NO. TABEL 11.

JUDUL

HAL

Pembiayaan dan NPF berdasarkan Jenis Akad - Bank Umum Syariah dan Unit Usaha Syariah

27

NO.

TOPIC

TABLE 11.

Financing

PAGES

and

Non

27

Performance Financing based on type of Shari'ah-compliant contract of Sharia Commercial Banks and Sharia Business Units

12.

12.

Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Bank Umum Syariah dan Unit Usaha Syariah

30

12.

Financing

and

Non

30

Performance Financing based on type of Shari'ah-compliant contract in Rupiahs of Sharia Commercial

Banks

and

Sharia Business Units 13.

13.

Pembiayaan dan NPF berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah dan Unit Usaha Syariah

33

13.

Financing and Non performing Financing

of

33

Sharia


Based on

Business

Sector

and

Business

Sector

of

non Credit

Beneficiary 14.

14.

Pembiayaan dan NPF - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

36

14.

Financing and Non Performing

36

Financing based on Type of Usage and Debtor Group of Sharia Commercial Bank and Sharia Business Unit Bank

15.

15.

Pembiayaan yang Diberikan dan NPF Berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah dan Unit Usaha Syariah Penyalur Pembiayaan

39

15.

Financing and Non Performing

39

Financing based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit

16.

16.

Pembiayaan yang Diberikan dan NPF Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I BUS dan UUS Penyalur Pembiayaan

45

16.

Financing and Non Performing Financing

of

45

Sharia

Commercial Bank and Sharia Business Unit to Non Banks Third

Party

Business

Sector

Based

on

and

non

Business Sector of Financing by Region


viii

NO. 17.

NO. TABEL 17.

JUDUL

HAL

Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah

48

NO.

TOPIC

TABLE 17a.

Equivalent

PAGES

of

Yield

48

Rate/Distribution/Fees/Bonu ses

of Sharia Commercial

Banks and Sharia Business Units 18.

18.

Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah dan Unit Usaha Syariah

51

18.

Average of Margin Rates of

51

Financing Based on Type of Use and Debtor Groups of Sharia

Commercial

Banks

and Sharia Business Units 19.

19.

Tingkat Margin Rata-rata Pembiayaan Berdasarkan Lapangan Usaha Bank Umum Syariah dan Unit Usaha Syariah

54

19.

Average of Margin Rates of Sharia

Commercial

54

Banks

and Sharia Business Units Financing to Non Banks Third Party

Based

Sector

and

on

Business

non

Business

Sector of Financing 20.

20.

Jumlah Rekening Pembiayaan dan DPK Bank Umum Syariah dan Unit Usaha Syariah

57

20.

Number

of

Account

of

57

Financing and Third Party Fund

Sharia

Commercial

Bank and Sharia Business Unit 21.

21.

Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah dan Unit Usaha Syariah

60

21.

Number

of

Account

of

60

Financing and Third Party Fund

Sharia

Commercial

Bank dan Sharia Business Unit 22.

22.

Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah

63

22.

Depositor Funds Composition

63

of Sharia Commercial Bank and Sharia Business Unit

23.

23.

Komposisi DPK Berdasarkan Golongan Nasabah - Bank Umum Syariah dan Unit Usaha Syariah

66

23.


66

Based on Depositor's Group of Sharia Commercial Bank and Sharia Business Unit

24.

24.

Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi

69

24.

Total

of

Depositor percentage

Gross

Assets,

Funds, of

FDR

69

and Sharia

Commercial Bank and Sharia Business

Unit

based

on

Province


ix

NO. 25.

NO. TABEL 25.

JUDUL Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten

HAL 72

NO.

TOPIC

TABLE 25.

Total

of

PAGES

Gross

Assets,

72

Financing, Depositor Funds, Percentage

of

FDR

Sharia

Commercial Bank and Sharia Business

Unit

based

on

City/District Bank Perkreditan Rakyat Syariah 26.

27. 28.

29.

30. 31. 32.

33.

26.

27. 28.

29.

30. 31. 32.

33.

Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

82

Neraca Gabungan Bank Pembiayaan Rakyat Syariah

83

Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah

84

Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah

85

Rekening Administratif - Bank Pembiayaan Rakyat Syariah

86

Komposisi DPK - Bank Pembiayaan Rakyat Syariah

87

Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

88

Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

89

26.

Number of Sharia Rural Bank

82

based on Location 27.

Sharia

Rural

Bank

83

Condensed Balance Sheet 28.

Sharia

Rural

Bank

84

Condensed Income Statement 29.

Cost of Promotion, Education and

85

Training - Sharia Rural

Bank 30.

Off-Balance Sheet Account -

86

Sharia Rural Bank 31.


87

of Sharia Rural Bank 32.

Financing

Composition

of

88

Rural

89

Sharia Rural Bank 33.

Financing Bank

of

Sharia

based

on

Economic

Sector 34.

35.

36.

37.

38.

34.

35.

36.

37.

38.

Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

90

Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

91

Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan

92

Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

93

Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

94

34.

Financing

of

Sharia

Bank based on

Rural

90

Type of

Usage 35.

Financing Bank

of

Sharia

based

on

Rural

Type

91

of

Financing 36.

Financing

of

Sharia

Rural

92

Bank based on Collectibility 37.

Non performing Financing of

93

Sharia Rural Bank based on Economic Sector 38.

Non Performing Financing of

94

Sharia Rural Bank based on Type of Usage


x

NO. 39.

40. 41.

NO. TABEL 39.

40. 41.

JUDUL

HAL

Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

95

Jumlah rekening Bank Pembiayaan Rakyat Syariah

96

Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah

97

NO.

TOPIC

PAGES

Non Performing Financing of

95

TABLE 39.

Sharia Rural Bank based on Type of Financing) 40.

Number of Account of Sharia

96

Rural Bank 41.

Equivalent

rate

of

97

return/profit sharing/fee/bonus of Sharia Rural Bank

42.

43.

44.

42.

43.

44.

Rasio Keuangan Bank Pembiayaan Rakyat Syariah

98

Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset

99

Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi

42.

Financial Ratios of

Sharia

98

Number of Sharia Rural Bank

99

Rural Bank 43.

based on Total Assets 100

44.

Total

of

Gross

Assets,

100

Financing, Depositor Funds, percentage percentage Rural

of of

Banks

FDR,

NPF

Sharia

based

on

Province 45.

46.

47.

45.

46.

47.

Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi

101

Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi

102

Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi

103

45.

Financing Bank

of

Sharia

Rural

101

based on Economic

Sector and Province 46.

Financing Bank

of

Sharia

Rural

102

based on Type of

Usage and Province 47.

Financing Bank

of

based

Sharia on

Rural

Type

103

of

Financing and Province


xi

Statistik Perbankan Syariah, Februari 2016

Sharia Banking Statistics, February 2016

REKAPITULASI PERUBAHAN TABEL DAN KOMPONEN TABEL PADA STATISTIK PERBANKAN SYARIAH (SPS) BARU Mulai diterbitkan pada Edisi Juni 2015 berisi Statistik Perbankan Syariah Bulanan Juni 2014 s.d. Juni 2015 No. 1

Nomor dan Nama Tabel pada Statistik Perbankan English Syariah BARU Tabel 1. Kinerja Keuangan Bank Umum Syariah dan Financial Ratios of Islamic Commercial Bank and Islamic Business Unit Unit Usaha Syariah

2

Tabel 2. Perkembangan Total Aset, Jaringan Kantor Islamic Banking Network dan Tenaga Kerja Perbankan Syariah

3

Tabel 3. Jaringan Kantor Individual Perbankan Syariah

(Individual Islamic Commercial Bank and Islamic Business Unit) posisi Bulan xx Tahun yyyy

4

Tabel 4. Sebaran Jaringan Kantor BUS dan UUS berdasarkan DATI 1

Distribution of Islamic Commercial Bank and Islamic Business Unit Network by Region

5

Tabel 5. Layanan Syariah (Office Channeling)

6

Tabel 6. Kegiatan Usaha Bank Umum Syariah dan Unit Usaha Syariah Tabel 6a. Kegiatan Usaha Bank Umum Syariah Tabel 6b. Kegiatan Usaha Unit Usaha Syariah

7

Tabel 7. Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah Tabel 7a. Rekening Administratif Bank Umum Syariah Tabel 7b. Rekening Administratif Unit Usaha Syariah

Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit Off Balance Sheet Account - Islamic Commercial Bank Off Balance Sheet Account - Islamic Business Unit

8

Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah Tabel 8a. Laporan Laba Rugi Bank Umum Syariah

Condensed Income Statement - Islamic Commercial Bank and Islamic Business Unit Condensed Income Statement - Islamic Commercial Bank

Tabel 8b. Laporan Laba Rugi Unit Usaha Syariah

Condensed Income Statement - Islamic Business Unit

Tabel 9. Aktiva Produktif berdasarkan Kualitas Bank Umum Syariah dan Unit Usaha Syariah

Earning Assets based on Collectibility of Islamic Commercial Bank and Islamic Business Unit

Tabel 9a. Aktiva Produktif berdasarkan Kualitas - Bank Umum Syariah Tabel 9b. Aktiva Produktif berdasarkan Kualitas - Unit Usaha Syariah Tabel 10. Surat Berharga yang Dimiliki dan Diterbitkan Berdasarkan Jenis dan Kategori Pengukuran Bank Umum Syariah dan Unit Usaha Syariah Tabel 10a. Surat Berharga yang Dimiliki dan Diterbitkan Berdasarkan Jenis dan Kategori Pengukuran Bank Umum Syariah Tabel 10b. Surat Berharga yang Dimiliki dan Diterbitkan Berdasarkan Jenis dan Kategori Pengukuran Unit Usaha Syariah Tabel 11. Pembiayaan dan NPF berdasarkan Jenis Akad - Bank Umum Syariah dan Unit Usaha Syariah

Earning Assets based on Collectibility of Islamic Commercial Bank

9

10

11

12

Tabel Sebelumnya di SPI Tabel 2.13 Kinerja Bank Umum Syariah

Tabel Sebelumnya di SPS

Penjelasan Perubahan dari SPI dan SPS Lama menjadi SPS Baru Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Tambahan rasio UUS Usaha Syariah Tambahan rasio yang sebelumnya tidak ada

Tabel 2.14 Bank Umum Syariah berdasarkan Tingkat Rasio Tabel 2.4. Perkembangan Aset Perbankan Syariah Tabel 1. Jaringan Kantor Perbankan Syariah

Tidak ditampilkan lagi Perpindahan tabel Tambahan data Jumlah ATM/ADM dari LKPBU

Tabel 2.12 Jaringan Kantor Perbankan Syariah -

Tabel 5. Tenaga Kerja Perbankan Syariah Tabel 2 . Jaringan Kantor Individual Perbankan Syariah Hanya Perubahan Nomor Tabel, meneruskan data bulan sebelumnya

N/A

N/A

-

Tabel 4. Layanan Syariah (Office Channeling)

Islamic Commercial Bank and Islamic Business Unit Operations

Tabel 2.1 Kegiatan Usaha BUS dan UUS

Tabel 6. Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah

Islamic Commercial Bank Operations Islamic Business Unit Operations

Tabel 2.2 Kegiatan Usaha BUS Tabel 2.3 Kegiatan Usaha UUS Tabel 4.22 Pembiayaan Perbankan Syariah (menurut Tabel 18. Komposisi Pembiayaan yang diberikan BUS jenis akad) dan UUS (berdasarkan jenis akad) Tabel 12. Rekening Administratif Gabungan Bank Umum Syariah dan Unit Usaha Syariah

Tabel baru

Tambahan dan perubahan komponen aset dan kewajiban

Perubahan komponen

Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Tambahan rincian BUS-UUS Syariah dan Unit Usaha Syariah Perubahan komponen Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan Bank Umum Syariah dan Unit Usaha Syariah Tabel 2.5. Aktiva Produktif Perbankan Syariah

Perubahan formulasi Tambahan rincian BUS-UUS

Earning Assets based on Collectibility of Islamic Business Unit Investment in Securities Based on Instrument Categories and Measurement Methods of Islamic Commercial Bank and Islamic Business Unit Investment in Securities Based on Instrument Categories and Measurement Methods of Islamic Commercial Bank Investment in Securities Based on Instrument Categories and Measurement Methods of Islamic Business Unit

Financing and Non Performance Financing based on type of Shari'ahcompliant contract of Islamic Commercial Banks and Islamic Business Units Tabel 11a. Pembiayaan dan NPF berdasarkan Jenis Akad - Financing and Non Performasnce Financing based on type of Shari'ahBank Umum Syariah compliant contract of Islamic Commercial Banks Tabel 11b. Pembiayaan dan NPF berdasarkan Jenis Akad - Financing and Non Performasnce Financing based on type of Shari'ahUnit Usaha Syariah compliant contract of Islamic Business Units Tabel 12. Pembiayaan dan NPF berdasarkan Jenis Financing and Non Performance Financing based on type of Shari'ahAkad dalam Mata Uang Rupiah - Bank Umum compliant contract in Rupiahs of Islamic Commercial Banks and Islamic Syariah dan Unit Usaha Syariah Business Units

Tabel 17. Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah

Tambahan format (kategori pengukuran) Tambahan rincian BUS-UUS


No.

13

14

15

16

17

18


Nomor dan Nama Tabel pada Statistik Perbankan Syariah BARU Tabel 12a. Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Bank Umum Syariah Tabel 12b. Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Unit Usaha Syariah

English

Tabel Sebelumnya di SPI

Financing and Non Performasnce Financing based on type of Shari'ahcompliant contract of Islamic Commercial Banks Financing and Non Performasnce Financing based on type of Shari'ahcompliant contract of Islamic Business Units

Tabel 13. Pembiayaan dan NPF berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah dan Unit Usaha Syariah

Financing and Non performing Financing of Islamic Commercial Bank and Tabel 4.23 Pembiayaan Perbankan Syariah Islamic Business Unit Based on Business Sector and non Business Sector Berdasarkan Sektor Ekonomi of Credit Beneficiary

Tabel 20. Pembiayaan Perbankan Syariah berdasarkan Sektor Ekonomi

Tabel 13a. Pembiayaan dan NPF berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah

Financing and Non performing Financing of Islamic Commercial Bank Based on Business Sector and non Business Sector of Credit Beneficiary

Tabel 28. Pembiayaan Non Lancar Perbankan Syariah berdasarkan Sektor Ekonomi

Tabel 13b. Pembiayaan dan NPF berdasarkan Jenis Penggunaan dan Golongan Debitur Unit Usaha Syariah

Financing and Non performing Financing of Islamic Business Unit Based on Business Sector and non Business Sector of Credit Beneficiary

Tabel 14. Pembiayaan dan NPF - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit Tabel 14a. Pembiayaan dan NPF - Bank Umum Syariah berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit Tabel 14b. Pembiayaan dan NPF - Unit Usaha Syariah berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

Financing and Non Performing Financing based on Type of Usage and Debtor Group of Islamic Commercial Bank and Islamic Business Unit Bank

Tabel 22. Pembiayaan BUS dan UUS Berdasarkan Jenis Penggunaan

Financing and Non Performing Financing based on Type of Usage and Debtor Group of Islamic Commercial Bank

Tabel 24. Pembiayaan Non Lancar BUS dan UUS Berdasarkan Jenis Penggunaan

Financing and Non Performing Financing based on Type of Usage and Debtor Group of Islamic Business Unit Bank

Tabel 26. Pembiayaan BUS dan UUS berdasarkan Kualitas Pembiayaan

Tabel 15. Pembiayaan yang Diberikan dan NPF Berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah dan Unit Usaha Syariah Penyalur Pembiayaan Tabel 15a. Pembiayaan yang Diberikan dan NPF Berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah Penyalur Pembiayaan

Financing and Non Performing Financing based on Type of Usage, Debtors Groups and Region of Islamic Commercial Bank and Islamic Business Unit

Tabel 15b. Pembiayaan yang Diberikan dan NPF Berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Unit Usaha Syariah Penyalur Pembiayaan

Financing and Non Performing Financing based on Type of Usage, Debtors Groups and Region of Islamic Business Unit

Tabel 16. Pembiayaan yang Diberikan dan NPF Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I BUS dan UUS Penyalur Pembiayaan Tabel 16a. Pembiayaan yang Diberkan dan NPF Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I BUS Penyalur Pembiayaan Tabel 16b. Pembiayaan yang Diberikan dan NPF Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I UUS Penyalur Pembiayaan

Financing and Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit to Non Banks Third Party Based on Business Sector and non Business Sector of Financing by Region

Tabel 4.24 Pembiayaan Perbankan Syariah Berdasarkan Lokasi

Financing and Non Performing Financing based on Type of Usage, Debtors Groups and Region of Islamic Commercial Bank


Tabel 30. Pembiayaan BUS dan UUS Berdasarkan Golongan Pembiayaan Tabel 32. Pembiayaan Non Lancar BUS dan UUS Berdasarkan Golongan Pembiayaan Tabel 47. Pembiayaan BUS dan UUS berdasarkan Jenis Penggunaan dan Propinsi

Penjelasan Perubahan dari SPI dan SPS Lama menjadi SPS Baru

Penggabungan tabel Sektor Ekonomi Tambahan rincian BUS-UUS

Penggabungan tabel Jenis Penggunaan dan Golongan debitur Tambahan rincian BUS-UUS

Penggabungan tabel Jenis Penggunaan dan lokasi Tambahan rincian BUS-UUS

Tabel 49. Pembiayaan BUS dan UUS berdasarkan Golongan Debitur dan Propinsi

Tabel 45. Pembiayaan BUS dan UUS berdasarkan Sektor Perubahan rincian Sektor Ekonomi Ekonomi dan Propinsi Tambahan rincian BUS-UUS

Financing and NPF of Islamic Commercial Bank to Non Banks Third Party Based on Business Sector and non Business Sector of Financing by Region Financing and NPF of Islamic Business Unit to Non Banks Third Party Based on Business Sector and non Business Sector of Financing by Region

Tabel 17. Ekuivalen tingkat imbalan/bagi Equivalent of Yield Rate/Distribution/Fees/Bonuses of Islamic Commercial hasil/fee/bonus - Bank Umum Syariah dan Unit Banks and Islamic Business Units Usaha Syariah Tabel 17a. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Equivalent of Yield Rate/Distribution/Fees/Bonuses of Islamic Commercial Bank Umum Syariah Banks Tabel 17b. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus Equivalent of Yield Rate/Distribution/Fees/Bonuses of Islamic Business - Unit Usaha Syariah Units Tabel 18. Tingkat Margin Rata-rata Pembiayaan Average of Margin Rates of Financing Based on Type of Use and Debtor Berdasarkan Jenis Penggunaan dan Golongan Groups of Islamic Commercial Banks and Islamic Business Units Debitur Bank Umum Syariah dan Unit Usaha Syariah Tabel 18a. Tingkat Margin Rata-rata Pembiayaan Average of Margin Rates of Financing Based on Type of Use and Debtor Berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Groups of Islamic Commercial Banks Umum Syariah

2.7 Tingkat Bagi Hasil Rata-rata Bank Syariah

Tabel 2.9. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan, margin golongan debitur adalah baru

36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus Bank Umum Syariah dan Unit Usaha Syariah

Penggabungan tabel Tambahan rincian BUS-UUS

Tambahan margin golongan debitur Tambahan rincian BUS-UUS


No.

19

Nomor dan Nama Tabel pada Statistik Perbankan Syariah BARU Tabel 18b. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan dan Golongan Debitur Unit Usaha Syariah Tabel 19. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Lapangan Usaha Bank Umum Syariah dan Unit Usaha Syariah Tabel 19a. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Lapangan Usaha Bank Umum Syariah

21

22

23

24

25

English

Tabel Sebelumnya di SPI


Penjelasan Perubahan dari SPI dan SPS Lama menjadi SPS Baru

Average of Margin Rates of Financing Based on Type of Use and Debtor Groups of Islamic Business Units Average of Margin Rates of Islamic Commercial Banks and Islamic Business Units Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing

Tabel 2.8. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi

Tabel 20. Jumlah Rekening Pembiayaan dan DPK Bank Umum Syariah dan Unit Usaha Syariah

Average of Margin Rates of Islamic Commercial Banks Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing Average of Margin Rates of Islamic Business Units Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing Number of Account of Financing and Third Party Fund Islamic Commercial Bank and Islamic Business Unit

Tabel 20a. Jumlah Rekening Pembiayaan dan DPK Bank Umum Syariah Tabel 20b. Jumlah Rekening Pembiayaan dan DPK Unit Usaha Syariah Tabel 21. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah dan Unit Usaha Syariah

Number of Account of Financing and Third Party Fund Islamic Commercial Bank Number of Account of Financing and Third Party Fund Islamic Business Unit Number of Account of Financing and Third Party Fund Islamic Commercial Bank dan Islamic Business Unit

Tabel 21a. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah Tabel 21b. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Unit Usaha Syariah Tabel 22. Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah Tabel 22a. Komposisi DPK - Bank Umum Syariah Tabel 22b. Komposisi DPK - Unit Usaha Syariah Tabel 23. Komposisi DPK Berdasarkan Golongan Nasabah - Bank Umum Syariah dan Unit Usaha Syariah Tabel 23a. Komposisi DPK Berdasarkan Golongan Nasabah - Bank Umum Syariah Tabel 23b. Komposisi DPK Berdasarkan Golongan Nasabah - Unit Usaha Syariah Tabel 24. Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi Tabel 24a. Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah berdasarkan Propinsi Tabel 24b. Total Aset Gross, Dana Pihak Ketiga dan FDR Unit Usaha Syariah berdasarkan Propinsi Tabel 25. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten

Number of Account of Financing and Third Party Fund Islamic Commercial Bank Number of Account of Financing and Third Party Fund Islamic Business Unit Depositor Funds Composition of Islamic Commercial Bank and Islamic Tabel 2.6. Komposisi DPK Perbankan Syariah Business Unit

Tabel 25.a. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, dan FDR Bank Umum Syariah berdasarkan Kota/Kabupaten Tabel 25.b. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, dan FDR Unit Usaha Syariah berdasarkan Kota/Kabupaten

Total of Gross Assets, Financing, Depositor Funds, Percentage of FDR Islamic Commercial Bank based on City/District

Tabel 19b. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Lapangan Usaha Unit Usaha Syariah 20


Depositor Funds Composition Based on Depositor's Group of Islamic Commercial Bank and Islamic Business Unit

N/A

Perubahan rincian Sektor Ekonomi Tambahan rincian BUS-UUS

Tabel 34. Jumlah Rekening Bank Umum Syariah dan Unit Usaha Syariah

Perubahan komponen Tambahan rincian BUS-UUS

Tabel 14. Komposisi DPK - BUS dan UUS

Perubahan komponen Tambahan rincian BUS-UUS

N/A

Tabel baru

tabel 43. Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi

Tambahan rincian BUS-UUS

Tabel 51. Total Pembiayaan, Dana Pihak Ketiga, dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten

Tambahan rincian BUS-UUS

Depositor Funds Composition of Islamic Commercial Bank Depositor Funds Composition of Islamic Business Unit Total of Gross Assets, Depositor Funds, and percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on Province Total of Gross Assets, Depositor Funds, and percentage of FDR Islamic Commercial Bankbased on Province Total of Gross Assets, Depositor Funds, and percentage of FDR Islamic Business Unit based on Province Total of Gross Assets, Financing, Depositor Funds, Percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on City/District

Total of Gross Assets, Financing, Depositor Funds, Percentage of FDR Islamic Business Unit based on City/District


Sharia Banking Statistics, February 2016 Miliar Rupiah (in Billion IDR )

Tabel 1. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Sharia Commercial Bank and Sharia Business Unit ) Nominal dalam Miliar Rp ( Nominal in Billion Rp ) 2014

2015

2016

Indicator

Periode Nov

Des

Mar

Apr

Mei

Jun

CAR (%) Modal Aktiva Tetap Menurut Risiko

15.66 r) 19.521 124.626

15,74 19.585 124.405

14.43 r) 20,847 r) 144,506 r)

14.50 r) 21,015 r) 144,957 r)

14.37 r) 21,131 r) 147,058 r)

14,09 21.301 151.157

ROA (%) Laba Rata-Rata Total Aset

0,49 972 197.281

0,41 822 198.248

0,69 1.371 197.931

0,62 1.227 197.986

0,63 1.247 198.472

5,55 3,55 8.232 5.270

4,95 3,38 7.320 4.997

5,49 3,81 8.078 5.605

5,20 3,69 7.659 5.436

148.403

147.944

147.136

147.245

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

14,47 21.624 149.449

15,05 22.100 146.835

15,15 22.666 149.628

14,96 22.616 151.204

15,31 23.494 153.446

15,02 23.409 155.894

15,11 23.130 153.054

15,44 22.962 148.756

CAR (%) - Capital - Risk Weighted Assets

0,50 988 198.763

0,50 1.004 199.054

0,46 918 199.182

0,49 986 199.720

0,51 1.015 199.891

0,52 1.039 200.250

0,49 977 201.348

1,01 2.113 209.613

0,81 1.712 210.103

ROA (%) - Profit - Average Assets

5,44 3,85 8.057 5.704

5,09 3,62 7.676 5.462

5,30 3,72 7.903 5.544

5,30 3,49 7.915 5.217

5,14 3,40 7.763 5.141

5,16 3,33 7.754 5.006

5,13 3,40 7.737 5.136

4,84 3,19 7.456 4.915

5,46 3,67 8.304 5.581

5,59 3,76 8.484 5.705

148.021

150.709

149.059

149.287

151.157

150.389

150.867

153.968

152.200

151.752


Bank Umum Syariah

NPF NPF -

(%) Net (%) Non Performing Financing Non Performing Financing Net Total Pembiayaan kepada Pihak Ketiga Bukan Bank

NPF (%) NPF Net % - Non Performing Financing - Non Performing Financing Net -

Total Financing to Non Bank

FDR (%)

FDR (%) Pembiayaan kepada Pihak Ketiga Bukan Bank Dana Pihak Ketiga

89,91

86,66

89,15

89,57

90,05

92,56

90,13

90,72

90,82

90,67

90,26

88,03

87,86

87,30

148.403

147.944

147.136

147.245

148.021

150.709

149.059

149.287

151.157

150.389

150.867

153.968

152.200

151.752

-


165.050

170.723

165.034

164.400

164.375

162.817

165.378

164.561

166.433

165.857

167.150

174.895

173.230

173.834

-

Total Third Party Funds

BOPO (%) Biaya Operasional Pendapatan Operasional

96,34 r) 26.073 r) 27.063 r)

96,97 r) 29.285 r) 30.201 r)

95,98 8.073 8.411

96,69 11.866 12.272

96,51 14.337 14.855

96,98 15.770 16.261

97,08 18.628 19.189

97,30 20.924 21.505

96,94 22.285 22.989

96,71 24.389 25.219

96,75 28.021 28.962

97,01 30.945 31.901

95,28 3.822 4.011

94,49 5.122 5.421

Rentabilitas NOM (%) Pendapatan Operasional Rata-rata Aset Produktif

0.62 r) 1.081 r) 174.028 r)

0,52 r) 916 r) 175.548 r)

0,75 1.353 179.860

0,68 1.220 179.893

0,69 1.244 180.213

0,55 986 180.193

0,56 1.014 180.208

0,48 872 180.217

0,52 938 180.765

0,55 997 181.001

0,57 1.027 181.361

0,52 955 182.301

1,20 2.271 189.360

0,94 1.793 190.246

Profitability NOM (%) - Net Operations Income - Average Earning Assets

KAP APYD terhadap Aktiva Produktif (%) APYD Total Aset Produktif

5.47 r) 10.180 186.032

4.78 r) 10.055 210.371

5,76 10.516 182.716

5,75 10.515 182.833

5,75 10.515 182.833

5,90 10.827 183.361

5,83 10.721 183.836

6,04 11.114 184.110

5,94 11.222 189.050

6,05 11.338 187.260

5,93 11.263 189.856

5,19 10.228 197.100

5,96 11.512 193.273

6,13 11.972 195.167

Earning Assset Quality Classified Earning assets to Earning assets (%) - Classified Earning Assets - Total Earning assets

Likuiditas Short Term Mistmach (%) Aktiva Jangka Pendek Kewajiban Jangka Pendek

21,54 31.497 146.255

18,22 27.833 152.758

19,98 29.933 149.842

20,65 31.060 150.408

19,73 28.883 146.380

20,45 31.019 151.675

20,89 31.975 153.059

22,04 33.658 152.708

27,65 42.866 155.035

21,61 32.976 152.563

26,09 33.982 130.237

20,04 32.610 162.749

22,91 36.462 159.142

23,67 37.443 158.214

Liquidity Short Term Mistmach (%) - Short-Term Assets - Short-Term Liabilities

52,82 87.172 165.050

52,91 90.333 170.723

52,28 86.285 165.034

51,87 85.269 164.400

51,90 85.309 164.375

51,73 84.232 162.817

51,20 84.666 165.378

50,73 83.475 164.561

50,81 84.563 166.433

50,18 83.221 165.857

50,00 83.572 167.150

50,35 88.053 174.895

49,87 86.392 173.230

50,19 87.243 173.834

198,01

203,48

199,69

195,78

194,55

187,88

188,52

186,88

183,99

184,47

183,95

180,50

187,21

183,67

Yield Proportion Non Core Deposits to Third Party Funds (%) - Non Core Deposits - Total Third Party Funds Fixed Yield Portfolios to Floating Yield Portfolios (%)

98.682

99.199

98.036

97.418

97.685

98.245

97.194

97.008

97.650

97.214

97.380

98.641

99.562

98.606

-

Fixed-rate Yield Portfolios

49.837

48.753

49.093

49.758

50.210

52.292

51.555

51.908

53.074

52.698

52.938

54.650

53.181

53.687

-

Floating-rate Yield Portfolios

33,40

32,85

33,25

33,72

33,89

34,68

34,66

34,89

35,27

35,23

35,33

35,81

35,30

35,74

49.729 148.903

48.753 148.425

49.108 147.676

49.834 147.777

50.342 148.546

52.470 151.284

51.871 149.645

52.285 149.865

53.516 151.722

53.184 150.973

53.495 151.425

55.336 154.527

53.911 152.744

54.430 152.293

3,90

2,56

2,74

2,79

2,87

2,70

2,72

2,90

2,74

2,88

3,03

2,81

3,07

2,79

-

Imbal Hasil Non Core Deposit terhadap Total DPK (%) Non Core Deposit Total DPK Portofolio yang Memiliki Imbal Hasil Tetap terhadap Portofolio yang Memiliki Imbal Hasil Tidak Tetap (%) -

Portofolio yang Memiliki Imbal Hasil Tetap Portofolio yang Memiliki Imbal Hasil Tidak Tetap

Investasi Total Pembiayaan Berbasis Bagi Hasil terhadap Total Pembiayaan (%) Total Pembiayaan Basis Mudharabah Total Pembiayaan Potensi Kerugian Pembiayaan Bagi Hasil terhadap Portfolio Investasi Mudharabah dan Musyarakah -

Potensi Kerugian Pembiayaan Bagi Hasil Portofolio Investasi Mudharabah dan Musyarakah

Operating Expenses to Operations Revenue (%) - Operations Expenses - Operations Income

Investment Proportion and Risk Profit Sharing Financing to Total Financing to Non Bank (%) - Profit Sharing Financing Mudharabah-based - Total Financing to Non Bank Potential Loss from Profit Sharing Financing to Total Mudharabah and Musyarakah (%)

1.938

1.250

1.348

1.389

1.444

1.419

1.412

1.518

1.468

1.534

1.622

1.557

1.655

1.518

-

Potential Loss from Profit Sharing Financing

49.729

48.753

49.108

49.834

50.342

52.470

51.871

52.285

53.516

53.184

53.495

55.336

53.911

54.430

-

Total Mudharabah and Musyarakah

2



Tabel 1. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Sharia Commercial Bank and Sharia Business Unit ) Nominal dalam Miliar Rp ( Nominal in Billion Rp ) 2014

2015

2016

Indicator

Periode Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Sharia Business Unit

Unit Usaha Syariah

ROA (%) - Profit - Average Assets

2,03 1.249 61.486

1,97 1.227 62.223

2,39 1.617 67.618

2,42 1.656 68.543

2,40 1.658 69.231

2,00 1.400 69.905

2,05 1.439 70.177

2,14 1.512 70.683

2,15 1.529 71.122

2,22 1.581 71.873

2,15 1.551 72.159

1,81 1.324 73.049

2,08 1.616 77.827

2,08 1.857 78.832

2,82 1,83 1.410 915

2,55 1,66 1.312 856

2,93 1,94 1.572 1.042

3,04 2,07 1.652 1.123

2,95 1,98 1.650 1.106

3,76 2,45 2.079 1.354

3,78 2,48 2.107 1.385

3,70 2,41 2.092 1.363

3,65 r) 2,35 r) 2,088 r) 1.337

3,66 2,36 2.098 1.354

3,46 2,12 2.015 1.236

3,03 1,65 1.791 975

3,32 1,93 1.960 1.137

3,33 1,92 1.993 1.147

49.972

51.385

53.576

54.281

55.873

55.347

55.784

56.586

56,986 r)

57.379

58.257

59.028

59.021

59.819

112,06

109,02

111,72

109,50

109,63

109,25

110,02

109,25

107,71

107,01

108,92

104,88

105,65

103,16

FDR (%)

49.972

51.385

53.576

54.281

55.873

55.347

55.784

56.586

56,986 r)

57.379

58.257

59.028

59.021

59.819

-


44.595

47.136

47.954

49.573

50.964

50.661

50.704

51.796

52.880

53.621

53.485

56.280

55.864

57.986

-

Total Third Party Funds

BOPO (%) Biaya Operasional Pendapatan Operasional

79,31 4.401 5.550

80,19 4.866 6.068

78,76 1.510 1.917

79,97 2.057 2.572

79,79 2.567 3.218

82,06 3.024 3.686

81,43 3.539 4.346

80,37 3.985 4.958

80,06 4.482 5.598

79,96 5.053 6.320

79,99 5.577 6.972

83,41 6.356 7.621

81,78 600 733

77,05 1.057 1.372

Rentabilitas NOM (%) Pendapatan Operasional Rata-rata Aset Produktif

2,16 1.253 58.080

2,05 1.202 58.748

2,55 1.628 63.863

2,39 1.546 64.769

2,39 1.561 65.415

2,00 1.323 66.066

2,09 1.384 66.308

2,18 1.460 66.810

2,22 1.489 67.122

2,24 1.520 67.814

2,24 1.522 68.067

1,83 1.264 68.937

2,20 1.603 73.000

2,55 1.889 73.986

Profitability NOM (%) - Net Operations Income - Average Earning Assets

KAP APYD terhadap Aktiva Produktif (%) APYD Total Aset Produktif

3,25 2.020 62.209

2,90 1.873 64.488

3,75 2.501 66.669

3,72 2.540 68.196

3,81 2.618 68.751

3,99 2.799 70.198

4,17 2.865 68.678

4,05 2.888 71.274

4,18 3.079 73.620

4,32 3.094 71.675

4,47 3.213 71.920

3,96 3.124 78.893

4,39 3.236 73.683

4,46 3.378 75.674

Earning Assset Quality Classified Earning assets to Earning assets (%) - Classified Earning Assets - Total Earning assets

Likuiditas Short Term Mistmach (%) Aktiva Jangka Pendek Kewajiban Jangka Pendek

28,09 14.670 52.226

26,69 14.800 55.446

25,50 14.200 55.694

26,01 15.109 58.082

28,55 16.885 59.133

30,77 18.743 60.919

31,37 18.943 60.385

36,19 22.623 62.516

35,53 23.007 64.754

32,56 21.243 65.235

34,27 23.025 67.182

35,56 24.616 69.227

35,05 24.561 70.069

33,12 23.983 72.405

Liquidity Short Term Mistmach (%) - Short-Term Assets - Short-Term Liabilities

57,95 25.843 44.595

56,65 26.700 47.136

58,21 27.916 47.954

58,48 28.991 49.573

59,03 30.083 50.964

58,38 29.578 50.661

57,39 29.100 50.704

58,11 30.100 51.796

58,25 30.648 52.613

58,85 31.557 53.621

58,09 31.070 53.485

56,94 32.044 56.280

57,54 32.144 55.864

58,04 33.655 57.986

291,76

294,21

265,32

261,28

241,24

254,74

254,40

251,00

254,65

271,78

250,99

244,71

276,97

274,20

35.391

36.399

36.828

37.057

37.278

37.395

37.596

37.882

37.973

38.217

38.683

38.833

43.675

44.153

-

Fixed-rate Yield Portfolios

12.130

12.372

13.880

14.183

15.453

14.680

14.779

15.092

14.912

15.160

15.412

15.869

15.769

16.103

-

Floating-rate Yield Portfolios

28,97

28,96

31,05

31,52

33,04

32,18

32,34

32,80

32,74

33,14

33,36

33,97

33,97

34,33

14.583 50.337

14.988 51.752

16.750 53.944

17.226 54.657

18.597 56.288

17.954 55.791

18.190 56.243

18.707 57.038

18.701 57.112

19.164 57.819

19.577 58.687

20.197 59.462

20.195 59.444

20.683 60.256

1,80

1,84

2,25

2,21

2,15

2,40

2,43

2,39

2,34

2,50

2,57

2,75

2,81

2,79

400 18.597

430 17.954

441 18.190

447 18.707

438 18.701

479 19.164

502 19.577

ROA (%) Laba Rata-Rata Total Aset NPF NPF -

(%) Net (%) Non Performing Financing Non Performing Financing Net Total Pembiayaan kepada Pihak Ketiga Bukan Bank

FDR (%) Pembiayaan kepada Pihak Ketiga Bukan Bank Dana Pihak Ketiga

Imbal Hasil Non Core Deposit terhadap Total DPK (%) Non Core Deposit Total DPK Portofolio yang Memiliki Imbal Hasil Tetap terhadap Portofolio yang Memiliki Imbal Hasil Tidak Tetap (%)yang Memiliki Imbal Hasil Tetap Portofolio -

Portofolio yang Memiliki Imbal Hasil Tidak Tetap

Investasi Total Pembiayaan Berbasis Bagi Hasil terhadap Total Pembiayaan (%) Total Pembiayaan Basis Mudharabah Total Pembiayaan Potensi Kerugian Pembiayaan Bagi Hasil terhadap Portfolio Investasi Mudharabah dan Musyarakah

Potensi Kerugian Pembiayaan Bagi Hasil 262 276 376 381 Portofolio Investasi Mudharabah dan 14.583 14.988 16.750 17.226 Musyarakah Ket: r) Angka-angka diperbaiki untuk BUS saja, mulai bulan Juni 2014 berdasarkan LSMK dengan warna gelap revisi dilakukan pada data Februari 2015 dan revisi pada tahun 2015 dilakukan pada data Juni 2015. Revisi tersebut dilakukan pada SPI Tabel 2.13

NPF (%) NPF Net % - Non Performing Financing - Non Performing Financing Net -


Operating Expenses to Operations Revenue (%) - Operations Expenses - Operations Income

Yield Proportion Non Core Deposits to Third Party Funds (%) - Non Core Deposits - Total Third Party Funds Fixed Yield Portfolios to Floating Yield Portfolios (%)

Investment Proportion and Risk Profit Sharing Financing to Total Financing to Non Bank (%) - Profit Sharing Financing Mudharabah-based - Total Financing to Non Bank Potential Loss from Profit Sharing Financing to Total Mudharabah and Musyarakah (%)

556 568 576 - Potential Loss from Profit Sharing Financing 20.197 20.195 20.683 - Total Mudharabah and Musyarakah Note: r) Revised figures for Sharia Commercial Bank only, based on LSMK start on June 2014 with dark color revised at Feb 2015 and data 2015 revised at June 2015 in Indonesia Banking Statistics (SPI) Table 2.13 and Sharia Banking Statistic (SPS) Table 38

3



Miliar Rupiah (in Billion IDR )

Tabel 2. Perkembangan Total Aset, Jaringan Kantor dan Tenaga Kerja Perbankan Syariah - SPS 2015

(Sharia Banking Network) 2014

2015

2016

Indikator Bank Umum Syariah - Total Aset - Jumlah Bank - Jumlah Kantor - KC - KCP - KK - ATM - Jumlah Tenaga Kerja Unit Usaha Syariah - Total Aset - Jumlah Bank Umum Konvensional yang UUS UUS - memiliki Jumlah Kantor - KC - KCP - KK - ATM - Jumlah Tenaga Kerja Total Aset BUS dan UUS Total Kantor BUS dan UUS Total ATM BUS dan UUS Total Tenaga Kerja BUS dan UUS

Indicator Nov

Des

Mar

Apr

Mei

Jun

197.539 12 2.159 439 1.514 206 3.311 40.590

204.961 12 2.163 447 1.511 205 3.350 41.393

198.553 12 2.150 448 1.501 201 3.354 49.106

198.151 12 2.147 450 1.496 201 3.383 49.587

200.416 12 2.133 450 1.482 201 3.390 38.307

200.217 12 2.123 450 1.472 201 3.483 49.069

64.389 22 354 138 174 42 130 4.419 261.928 2.513 3.441 45.009

67.383 22 320 138 140 42 132 4.425 272.343 2.483 3.482 45.818

69.804 22 325 138 143 44 134 4.365 268.357 2.475 3.488 53.471

71.320 22 323 139 140 44 134 4.404 269.471 2.470 3.517 53.991

71.981 22 327 143 140 44 135 4.414 272.397 2.460 3.525 42.721

162 440 4.808

Bank Pembiayaan Rakyat Syariah - Jumlah Bank 163 163 162 162 - Jumlah Kantor 438 439 471 433 - Jumlah Tenaga Kerja 4.727 4.704 4.651 5.000 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.4, SPS Tabel 1. dan Tabel 5

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

200.797 12 2.120 449 1.470 201 3.487 49.206

200.080 12 2.085 448 1.435 202 3.494 48.927

204.025 12 2.043 448 1.392 203 3.525 48.861

201.427 12 2.018 449 1.364 205 3.537 51.466

203.848 12 2.000 450 1.347 203 3.545 51.864

213.423 12 1.990 450 1.340 200 3.571 51.413

209.613 12 1.970 452 r) 1.320 199 3.574 51.087

210.592 12 1.926 453 1.275 198 3.575 50.768

73.277 22 331 144 143 44 137 4.520 273.494 2.454 3.620 53.589

71.812 22 326 141 141 44 137 4.527 272.609 2.446 3.624 53.733

74.227 22 328 142 141 45 137 4.565 274.306 2.413 3.631 53.492

78.137 22 324 142 136 46 138 4.494 282.162 2.367 3.663 53.355

75.169 22 312 143 123 46 137 4.519 276.596 2.330 3.674 55.985

74.976 22 316 145 125 46 138 4.481 278.824 2.316 3.683 56.345

82.839 22 311 138 129 44 145 4.403 296.262 2.301 3.716 55.816

77.827 22 312 138 129 45 145 4.355 287.440 2.282 3.719 55.442

79.838 22 312 138 130 45 145 4.338 290.430 2.238 3.720 55.106

161 433 5.017

161 439 4.641

162 452 4.937

162 443 4.894

163 443 5.052

Sharia Commercial Bank - Total Assets - Number of Banks - Number of Offices Branch Officess Sub Branch Offices Cash Offices ATMs/ADMs - Number of Employees Sharia Business Unit - Total Assets - Number of Conventional Banks that have Sharia Business Unit - Number of Offices Branch Officess Sub Branch Offices Cash Offices ATMs/ADMs - Number of Employees Total Assets Total Number of Offices Total Number of ATMs/ADMs Total Number of Employees

Sharia Rural Bank - Number of Banks - Number of Offices - Number of Employees Note: r) Revised figures, based on LSMK start on June 2014. published on October 2014 in Indonesia Banking Statistics (SPI) Table 2.4 , Sharia Banking Statistic (SPS) Table 1 and Table 5 163 445 5.084

163 446 5.102

163 449 5.058

164 448 5.070

4



Tabel 3. Jaringan Kantor Individual Perbankan Syariah - SPS Februari 2016

(Individual Sharia Banking Network) Kelompok Bank Bank Umum Syariah 1 2 3 4 5 6 7 8 9 10 11 12

PT. Bank Muamalat Indonesia PT. Bank Victoria Syariah PT. Bank BRISyariah PT. Bank Jabar Banten Syariah PT. Bank BNI Syariah PT. Bank Syariah Mandiri PT. Bank Mega Syariah PT. Bank Panin Syariah PT. Bank Syariah Bukopin PT. BCA Syariah PT. Maybank Syariah Indonesia PT. Bank Tabungan Pensiunan Nasional Syariah

Unit Usaha Syariah 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

PT Bank Danamon Indonesia, Tbk PT Bank Permata, Tbk PT Bank Internasional Indonesia, Tbk PT Bank CIMB Niaga, Tbk PT Bank OCBC NISP, Tbk PT Bank Sinarmas PT Bank Tabungan Negara (Persero), Tbk. PT BPD DKI PT BPD Daerah Istimewa Yogyakarta PT BPD Jawa Tengah PT BPD Jawa Timur, Tbk PT Bank Aceh PT BPD Sumatera Utara PT BPD Jambi PT BPD Sumatera Barat PT BPD Riau dan Kepulauan Riau PT BPD Sumatera Selatan dan Bangka Belitung PT BPD Kalimantan Selatan PT BPD Kalimantan Barat PD BPD Kalimantan Timur PT BPD Sulawesi Selatan dan Sulawesi Barat PT BPD Nusa Tenggara Barat Bank Pembiayaan Rakyat Syariah TOTAL Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah - KK = Kantor Kas - Tidak termasuk Layanan Syariah

KPO/KC

KCP/UPS

KK

HOO/BO

SBO/SSU

CO

453 85 9 50 9 68 137 35 11 12 10 1 26 138 12 11 7 10 10 27 21

1.275 254 5 206 56 166 491 75 5 7 6 4 130

Group of Banks

98 1 PT. Bank Muamalat Indonesia - 2 PT. Bank Victoria Syariah 12 3 PT. Bank BRISyariah 1 4 PT. Bank Jabar Banten Syariah 18 5 PT. Bank BNI Syariah 62 6 PT. Bank Syariah Mandiri - 7 PT. Bank Mega Syariah 1 8 PT. Bank Panin Syariah 4 9 PT. Bank Syariah Bukopin 2 10 PT. BCA Syariah - 11 PT. Maybank Syariah Indonesia - 12 PT. Bank Tabungan Pensiunan Nasional Syariah

Sharia Business Unit

45

2 2 1 2 20 12 3 6 8 15 17 6 4 1 9 2 13 7

1 10 6 6 5 5 1 4 1 4 1 1

103

-

181

694

1.405

424

3 1 4 5 3 5 1 3 2 3 2 2 4 2


198

13 14 15 16 17 33 34 18 19 20 21 23 22 24 25 26 27 28 29 30 31 32

PT Bank Danamon Indonesia, Tbk PT Bank Permata, Tbk PT Bank Internasional Indonesia, Tbk PT Bank CIMB Niaga, Tbk PT Bank OCBC NISP, Tbk PT Bank Sinarmas PT Bank Tabungan Negara (Persero), Tbk. PT BPD DKI PT BPD Daerah Istimewa Yogyakarta PT BPD Jawa Tengah PT BPD Jawa Timur, Tbk PT Bank Aceh PT BPD Sumatera Utara PT BPD Jambi PT BPD Sumatera Barat PT BPD Riau dan Kepulauan Riau PT BPD Sumatera Selatan dan Bangka Belitung PT BPD Kalimantan Selatan PT BPD Kalimantan Barat PD BPD Kalimantan Timur PT BPD Sulawesi Selatan dan Sulawesi Barat PT BPD Nusa Tenggara Barat Sharia Rural Bank TOTAL

Note: - HO = Head Office - IBU = Islamic Banking Unit - HOO = Head Operational Office - BO = Branch Office - CO = Cash Office - Not Include Office Channeling

5



Tabel 4. Sebaran Jaringan Kantor Bank Umum Syariah dan Unit Usaha Syariah - SPS Februari 2016 (Distribution of Sharia Commercial Bank and Sharia Business Unit Network by Region ) Kelompok Bank Bank Umum Syariah 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

Jawa Barat Banten DKI Jakarta Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Luar Indonesia Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah - KK = Kantor Kas - Tidak termasuk Layanan Syariah

KPO/KC

KCP/UPS

KK

HOO/BO

SBO/SSU

CO

453 62 20 79 10 40 43 6 7 12 22 10 11 14 3 6 9 9 9 14 7 6 12 4 2 2 7 7 7 3 2 2 3 2 1

1.275 232 73 180 24 103 153 13 29 26 61 35 40 49 9 16 35 22 18 33 7 10 36 6 5 1 9 19 15 1 3 7 3 2 -

Group of Banks 198 33 8 38 13 21 19 1 2 5 6 13 2 5 2 7 1 5 1 10 1 1 2 2 -

Sharia Commercial Bank 1 West Java 2 Banten 3 DKI Jakarta 4 DI Yogyakarta 5 Central Java 6 East Java 7 Bengkulu 8 Jambi 9 Nanggroe Aceh Darussalam 10 North Sumatera 11 West Sumatera 12 Riau 13 South Sumatera 14 Bangka Belitung 15 Riau Islands 16 Lampung 17 South Kalimantan 18 West Kalimantan 19 East Kalimantan 20 Central Kalimantan 21 Central Sulawesi 22 South Sulawesi 23 North Sulawesi 24 Gorontalo 25 West Sulawesi 26 South East Sulawesi 27 West Nusa Tenggara 28 Bali 29 East Nusa Tenggara 30 Maluku 31 Papua 32 North Maluku 33 West Papua 34 Outside Indonesia Note: - HO = Head Office - IBU = Sharia Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO/SSU = Sub Branch Office/Sharia Services Unit - CO = Cash Office - Not Include Office Channeling

6



Tabel 4. Sebaran Jaringan Kantor Bank Umum Syariah dan Unit Usaha Syariah - SPS Februari 2016 (Distribution of Sharia Commercial Bank and Sharia Business Unit Network by Region ) Kelompok Bank Unit Usaha Syariah 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

Jawa Barat Banten DKI Jakarta Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Luar Indonesia

Total BUS dan UUS Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah - KK = Kantor Kas - Tidak termasuk Layanan Syariah

KPO/KC

KCP/UPS

KK

HOO/BO

SBO/SSU

CO

138

130

Group of Banks Sharia Business Unit

45

15 3 9 3 17 20 1 2 5 13 5 3 6 4 1 6 3 6 9 1 4 2 -

10 5 15 4 7 13 15 17 6 2 1 3 9 2 13 7 1 -

8 7 5 6 6 2 4 1 4 1 1 -

591

1.405

243

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

West Java Banten DKI Jakarta DI Yogyakarta Central Java East Java Bengkulu Jambi Nanggroe Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Bangka Belitung Riau Islands Lampung South Kalimantan West Kalimantan East Kalimantan Central Kalimantan Central Sulawesi South Sulawesi North Sulawesi Gorontalo West Sulawesi South East Sulawesi West Nusa Tenggara Bali East Nusa Tenggara Maluku Papua North Maluku West Papua Outside Indonesia

Total Distribution of Sharia Commercial Bank and Sharia Business Unit Network Note: - HO = Head Office - IBU = Sharia Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO/SSU = Sub Branch Office/Sharia Services Unit - CO = Cash Office - Not Include Office Channeling

7



Tabel 5. Jumlah Kantor Layanan Syariah dari Unit Usaha Syariah - SPS 2015

(Office Channeling) 2014

2015

2016

Indicator

Indikator Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

1

PT. Bank Danamon Indonesia, Tbk

145

145

128

128

128

128

128

128

128

128

118

118

118

118

1

PT. Bank Danamon Indonesia, Tbk

2

PT. Bank Permata, Tbk

279

279

300

297

297

296

296

297

297

297

297

297

297

292

2

PT. Bank Permata, Tbk

3

PT. Bank Internasional Indonesia, Tbk

444

444

451

452

455

455

455

459

460

460

413

412

412

412

3

PT. Bank Internasional Indonesia, Tbk

4

PT. Bank CIMB Niaga, Tbk

169

4

PT. Bank CIMB Niaga, Tbk

5

PT. Bank OCBC NISP, Tbk

5

PT. Bank OCBC NISP, Tbk

6

PT Bank Sinarmas

5

5

5

5

5

5

5

39

39

39

39

39

39

39

6

PT Bank Sinarmas 2)

7

PT. Bank Tabungan Negara (Persero), Tbk

-

-

-

-

-

-

-

-

-

-

-

45

45

45

7

PT. Bank Tabungan Negara (Persero), Tbk

8

UUS BTPN 1)

9

PT BPD DKI

10 PT. BPD DIY 11 PT BPD Jateng 12 PT BPD Jatim, Tbk

38 239

38 239

59 239

129 243

181 243

181 248

181 248

181 248

181 253

181 253

181 256

172 261

172 261

261

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

UUS BTPN

62

64

65

65

66

66

66

66

70

70

72

72

72

72

9

PT BPD DKI

1)

3

3

5

5

5

5

5

5

5

5

8

10

10

10 10 PT. BPD DIY

131

131

131

131

131

131

131

131

131

131

131

131

131

131 11 PT BPD Jateng 97 12 PT BPD Jatim, Tbk

47

97

97

97

97

97

97

97

97

97

97

97

97

13 PT Bank Aceh

-

-

-

-

-

-

-

-

-

-

-

-

-

- 13 PT Bank Aceh

14 PT BPD Sumut

121

121

121

121

121

121

121

121

121

121

121

121

121

121 14 PT BPD Sumut

3

3

3

3

3

3

3

7

7

7

7

7

7 15 PT BPD Jambi

16 PT BPD Sumbar

35

35

35

35

35

35

35

35

35

35

34

34

34

34 16 PT BPD Sumbar

17 PT BPD Riau dan Kepri

51

51

52

52

52

52

52

52

52

52

52

52

52

52 17 PT BPD Riau dan Kepri

1

1

2

2

2

2

2

5

5

5

5

5

5

19 PT BPD Kalsel

42

42

43

43

43

43

43

43

45

45

45

46

46

47 19 PT BPD Kalsel

20 PT BPD Kalbar

57

57

57

57

57

57

57

57

57

57

58

58

58

58 20 PT BPD Kalbar

21 PD BPD Kaltim

26

26

26

26

26

26

26

26

26

26

26

26

26

26 21 PD BPD Kaltim

22 PT BPD Sulselbar

-

-

-

-

-

-

-

-

-

-

-

-

-

- 22 PT BPD Sulselbar

23 PT BPD Nusa Tenggara Barat

6

6

6

6

6

6

6

6

6

6

6

6

6

6 23 PT BPD Nusa Tenggara Barat

JUMLAH 1.732 1.787 "-" = data tidak tersedia karena UUS spin off menjadi BUS r) Angka-angka diperbaiki

1.825

1.897

1.953

1.957

1.957

1.999

2.015

2.015

1.966

2.009

15 PT BPD Jambi

18 PT BPD Sumsel dan Babel

1)

-

5 18 PT BPD Sumsel dan Babel

2.009 2.002 TOTAL 1) "-" = data not available since office chanelling was spinoff become Sharia Banking r) Revised figures

1. "Revision of data BUS-UUS began in June 2014 based on LSMK"

8




Tabel 6. Kegiatan Usaha Bank Umum Syariah dan Unit Usaha Syariah - SPS 2015 ( Sharia Commercial Bank and Sharia Business Unit Operations ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov Komponen Aset 1 Kas 2 Penempatan pada Bank Indonesia a. Giro b. SBIS c. FASBIS d. Lainnya 3 Penempatan pada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya 4 Surat Berharga yang Dimiliki a. Diterbitkan oleh Pihak Ketiga Bukan Bank b. Diterbitkan oleh Bank Lain 5 Pembiayaan Bagi Hasil a. Pembiayaan Bagi Hasil Kepada Pihak ketiga Bukan Bank 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya b. Pembiayaan Bagi Hasil Kepada Bank Lain 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya 6 Piutang a. Piutang Kepada Pihak Ketiga Bukan Bank 1. Murabahah 2. Qardh 3. Istishna' b. Piutang Kepada Pihak Kepada Bank Lain 1. Murabahah 2. Qardh 3. Istishna' 7 Pembiayaan Sewa (Ijarah) termasuk Piutang Sewa a. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Pihak Ketiga Bukan Bank b. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Kepada Bank Lain 8 Tagihan lainnya (Spot Forward, Reverse Repo, Tagihan Akseptasi) 9 10 11 12 13 14 15

Penyertaan Cadangan Kerugian Penurunan Nilai Aset Produktif Salam Aset Istishna dalam Penyelesaian Aset Tetap dan inventaris Persediaan Rupa-rupa Aset

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

ASSETS 3.347 1. Cash 35.761 2. Deposit in Bank Indonesia a. Deposit 12.106 b. Bank Indonesia Certificates Syariah 7.188 c. Fasilitas Simpanan Bank Indonesia Syariah 13.361

3.157 35.699 10.588 6.530 17.010

3.636 42.715 10.903 8.130 21.294

3.209 37.214 10.865 8.810 16.354

3.025 37.350 10.922 9.130 14.698

3.067 35.197 11.021 8.858 12.489

3.985 31.855 10.947 8.458 10.106

4.582 32.305 11.112 8.163 9.336

3.727 32.436 11.180 8.585 10.540

3.649 37.341 11.374 7.720 14.685

3.273 32.095 11.467 7.192 11.553

3.377 31.901 11.506 6.495 12.188

3.905 41.051 12.001 6.280 19.218

3.469 32.725 12.108 6.275 12.538

1.571 5.214 2.222 13 2.953 1 25 11.684 11.399 285 65.167 64.313 14.307 49.946 60 854 707 147 122.609 122.599 115.602 6.380 618 10 9 0

2.388 5.567 2.149 44 3.234 1 139 12.046 11.466 580 64.578 63.741 14.354 49.336 51 837 695 142 123.977 123.968 117.371 5.965 633 9 9 0

11.464 11.464

11.621 11.620

1.185 5.826 2.191 32 3.356 1 245 12.537 12.085 452 66.757 65.858 14.136 51.686 35 899 759 140 123.475 123.468 117.358 5.459 651 7 7 0 11.388 11.386

2.600 5.412 2.024 32 3.314 1 41 13.494 12.860 635 67.959 67.060 14.388 52.649 24 898 763 135 123.019 123.012 117.210 5.138 664 7 7 0 11.456 11.454

2.829 6.024 2.332 28 3.355 1 308 13.972 13.366 605 69.870 68.939 14.906 54.032 1 931 779 152 123.400 123.394 117.777 4.938 678 7 7 11.563 11.561

2.344 6.771 2.677 21 3.961 1 111 15.678 14.947 731 71.435 70.425 15.667 54.757 1.010 877 133 124.131 124.124 118.612 4.813 699 7 7 11.509 11.507

3.695 5.797 2.321 30 3.334 1 109 15.685 15.004 680 71.097 70.061 15.729 54.332 1.037 899 137 123.298 123.291 117.948 4.643 700 6 6 11.492 11.491

2.130 6.383 2.661 39 3.585 1 96 16.034 15.277 757 72.014 70.992 15.676 55.316 1.021 891 131 123.556 123.550 118.317 4.527 705 6 6 11.334 11.332

3.562 6.333 2.632 29 3.781 1 18 16.911 16.217 694 73.268 72.271 15.144 57.128 997 876 121 124.557 124.551 119.396 4.433 722 6 6 11.325 11.321

1.883 5.965 2.115 41 3.802 1 6 18.733 18.179 554 73.361 72.347 14.925 57.422 1.013 896 118 124.392 124.386 119.456 4.202 728 6 6 11.039 11.035

1.712 6.166 2.206 37 3.898 1 24 19.688 19.143 545 74.049 73.072 14.680 58.391 977 867 110 125.114 125.107 120.333 4.028 746 7 7 10.949 10.945

3.551 7.241 2.460 58 4.676 1 46 21.248 20.524 725 76.515 75.533 14.820 60.713 982 878 103 126.839 126.832 122.111 3.951 770 7 7 10.635 10.631

1.804 6.755 2.559 43 4.145 1 8 22.534 21.868 666 75.063 74.107 14.469 59.638 956 854 102 126.768 126.761 122.287 3.706 769 7 7 10.357 10.353

3.108 5.736 1.977 20 3.678 1 60 22.847 22.148 699 76.080 75.112 14.268 60.845 968 864 104 126.357 126.352 122.042 3.534 775 6 6 10.111 10.107

1

1

2

2

2

2

2

2

5

5

4

4

4

4

2.379

2.104

1.873

1.647

2.854

1.645

1.710

2.570

2.341

1.685

1.685

1.587

2.717

3.221

100 5.676

100 5.025

79 5.188 16 3.956 0 7.587

79 5.305 15 3.934 1 7.761

79 5.537 16 3.930 1 8.154

79 5.834 14 3.952 1 8.041

79 6.052 12 3.937 7 8.070

79 6.086 10 4.020 1 7.871

79 6.363

79 6.597

79 9. Investment in other entities 6.682 10. Impairment on Productive Assets

15 3.795 1 7.213

79 4.986 10 3.977 0 7.027

79 5.846

14 3.038 1 7.077

79 5.185 9 3.982 4 7.189

6 4.622 0 8.898

6 4.637 0 8.927

6 4.644 0 8.923

209.644 26.845 15.360 11.485 181.660 1.644 47.591 132.425 1.140 117 1.022 6.671 480 775 5.008 408

217.858 29.073 16.512 12.561 187.638 2.132 50.949 134.556 1.148 4 71 1.072 7.632 552 886 5.562 633

212.988 30.072 17.612 12.460 181.861 2.654 48.658 130.549 1.055 15 68 973 7.963 398 829 6.342 393

213.973 30.639 18.187 12.452 182.206 2.394 49.003 130.809 1.128 77 76 975 7.940 413 884 6.505 138

215.339 32.072 19.428 12.644 182.045 3.855 49.435 128.755 1.222 14 73 1.135 8.841 426 815 7.435 165

213.477 31.386 18.664 12.722 180.905 3.264 48.247 129.394 1.187 15 60 1.112 9.346 351 748 7.854 393

216.083 31.807 18.212 13.595 183.293 2.624 49.287 131.382 983 15 58 910 7.855 715 889 5.927 324

216.356 30.288 16.748 13.540 185.021 3.451 49.476 132.095 1.047 7 49 991 7.688 871 975 5.609 233

219.313 31.050 16.996 14.053 187.254 3.675 49.822 133.757 1.010 7 53 950 8.342 844 1.011 6.358 130

219.478 29.400 15.762 13.638 189.097 3.844 49.918 135.336 980 6 50 924 7.638 735 1.161 5.648 94

220.635 30.314 16.261 14.053 189.212 3.504 50.247 135.461 1.109 8 49 1.052 7.734 621 1.104 5.671 339

231.175 32.532 17.327 15.206 197.475 3.859 53.388 140.228 1.168 8 60 1.101 8.468 784 1.215 6.380 89

229.094 30.399 15.726 14.672 198.656 3.635 52.948 142.074 39 8 31 8.139 732 1.212 6.047 0 148

Komponen Kewajiban dan Modal

1 Dana Pihak Ketiga a. Dana Simpanan Wadiah 1. Giro 2. Tabungan b. Dana Investasi Non Profit Sharing 1. Giro 2. Tabungan 3. Deposito c. Dana Investasi Profit Sharing 1. Giro 2. Tabungan 3. Deposito 2 Liabilitas kepada Bank Indonesia 3 Liabilitas kepada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya

r)

16 3.935 2 8.253 -

-

-

231.820 31.244 15.982 15.262 200.536 3.385 53.798 143.352 39 9 31 7.603 680 1.099 5.602 0 223

d. Others 3. Placement in Other Banks a. Demand Deposits b. Saving Deposits c. Time Deposits d. Margin Deposits e. Sukuk Sinking Fund f. Others 4. Investment in Securities a. Securities Issued by Non Banks b. Securities Issued by Other Banks 5. Profit Sharing Financing a. Profit sharing Financing to Non Banks 1. Mudharabah 2. Musyarakah 3. Others

b. Profit sharing Financing to Other Banks 1. Mudharabah 2. Musyarakah 3. Others

6. Receivables/Acceptables a. Receivables from Non Banks 1. Murabahah 2. Qardh 3. Istishna'

b. Receivables from Other Banks 1. Murabahah 2. Qardh 3. Istishna'

7. Ijarah including Leasing receivables a. Ijarah including Leasing receivables to Non Bank b. Ijarah including Leasing receivables to Other Banks 8. Other claims

11. Salam 12. Ishtishna' Assets in Resolution 13. Fixed Assets and Equipment 14. Inventories 15. Other Assets LIABILITIES AND CAPITAL 1. Third Party Funds a. iB Wadia 1. iB Demand Deposits Wadia 2. iB Saving Deposits Wadia b. Non Profit Sharing Investment Fund 1. Demand Deposits 2. Saving Deposits 3. Time Deposits c. Profit Sharing Investment Fund 1. Demand Deposits 2. Saving Deposits 3. Time Deposits 2. Liabilities to Bank Indonesia 3. Liabilities to other Banks a. Demand Deposits b. Saving Deposits c. Time Deposits d. Margin Deposits e. Sukuk Sinking Fund f. Others

9



Tabel 6. Kegiatan Usaha Bank Umum Syariah dan Unit Usaha Syariah - SPS 2015 ( Sharia Commercial Bank and Sharia Business Unit Operations ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov

Des

4 Surat Berharga yang Diterbitkan 3.290 3.937 a. Dimiliki Pihak Ketiga Bukan Bank 2.066 2.076 b. Dimiliki Bank Lain 1.224 1.861 5 Pembiayaan yang Diterima 2.256 2.256 6 Liabilitas Lainnya 951 934 7 Rupa-Rupa Liabilitas 65.451 69.244 8 Dana Investasi Profit Sharing lainnya 113 54 a. Liabilitas kepada Bank Lain 113 54 b. Surat Berharga c. Pembiayaan yang Diterima 9 Modal Pinjaman 10 Modal Disetor 10.643 10.644 11 Tambahan Modal Disetor 1.898 1.894 12 Selisih Penilaian kembali Aset Tetap 655 13 Cadangan 996 997 a. Cadangan Umum 996 996 b. Cadangan Tujuan 1 1 14 Laba 5.633 5.539 a. Tahun-tahun lalu 3.739 3.752 b. Tahun berjalan 1.894 1.786 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.1, tabel 2.2 dan tabel 2.3 serta SPS Tabel 6 *) Angka-angka sementara

Mar 3.200 2.076 1.124 2.106 827 69.464 115 115 10.695 1.827 648 2.067 2.066 1 4.147 3.467 681

Apr 3.455 2.076 1.379 2.106 769 69.768 29 29 10.695 1.823 648 2.067 2.066 1 4.270 3.394 876

Mei 4.265 2.391 1.874 2.106 787 73.057 67 67 10.695 1.849 648 2.082 2.066 16 4.508 3.405 1.103

Jun 4.938 2.391 2.547 2.106 682 77.089 15 15 10.696 2.005 648 2.104 2.088 16 4.469 3.399 1.070

Jul 4.295 2.391 1.904 2.105 568 71.350 18 18 10.696 2.474 648 2.145 2.129 16 4.569 3.315 1.254

Ags 4.159 2.391 1.768 2.164 492 72.453 18 18 10.696 2.876 668 2.145 2.129 16 4.748 3.315 1.433

Sep

r)

5.212 2.391 2.821 2.272 639 120.195 19 19 11.696 2.374 670 2.145 2.129 16 4.997 3.315 1.682

Okt 3.805 2.391 1.414 2.295 801 71.657 26 26 11.696 2.376 670 2.145 2.129 16 5.236 3.315 1.921

Nov

Des

Jan

Feb

4. Issued Securities a. Securities Held by Non Banks b. Securities Held by Other Banks 5. Received Borrowing 6. Other Liabilities 7. Miscellaneous Liabilities 8. Other Profit Sharing Investment Fund a. Liabilities to Other Banks b. Issued Securities c. Received Borrowing 9. Loan Capital 10. Paid-in capital 11. Additional paid-in capital 12. Differences in Fixed Assets Appraisal 13. Reserves a. General Reserves b. Special Purpose Reserves 14. Net Income a. Previous years b. Current year Note: r) Revised figures, based on LSMK start on June 2014 and published in October 2014 at Indonesia Banking Statistics (SPI) Table 2.1, Table 2.2, Table 2.3 and Sharia Banking Statistic (SPS) Table 6 *) Provisional Figures 3.842 2.391 1.451 2.350 827 72.942 23 23 12.198 2.376 670 2.145 2.129 16 5.422 3.315 2.107

4.346 2.391 1.955 2.281 892 26.390 22 22 12.413 2.258 1.014 2.145 2.129 16 4.858 3.072 1.786

3.288 2.391 897 2.280 831 121.337 12.376 2.242 1.112 2.145 2.129 16 4.467 4.183 284

1.293 594 699 2.333 768 123.152 2,000* 12.376 2.247 1.112 2.145 2.129 16 4.430 3.885 545

10




Tabel 6a. Kegiatan Usaha Bank Umum Syariah - SPS 2015 ( Sharia Commercial Bank ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov Komponen Aset 1 Kas 2 Penempatan pada Bank Indonesia a. Giro b. SBIS c. FASBIS d. Lainnya 3 Penempatan pada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya 4 Surat Berharga yang Dimiliki a. Diterbitkan oleh Pihak Ketiga Bukan Bank b. Diterbitkan oleh Bank Lain 5 Pembiayaan Bagi Hasil a. Pembiayaan Bagi Hasil Kepada Pihak ketiga Bukan Bank 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya b. Pembiayaan Bagi Hasil Kepada Bank Lain 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya 6 Piutang a. Piutang Kepada Pihak Ketiga Bukan Bank 1. Murabahah 2. Qardh 3. Istishna' b. Piutang Kepada Pihak Kepada Bank Lain 1. Murabahah 2. Qardh 3. Istishna' 7 Pembiayaan Sewa (Ijarah) termasuk Piutang Sewa a. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Pihak Ketiga Bukan Bank b. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Kepada Bank Lain 8 Tagihan lainnya (Spot Forward, Reverse Repo, Tagihan Akseptasi) 9 Penyertaan 10 Cadangan Kerugian Penurunan Nilai Aset Produktif 11 Salam 12 Aset Istishna dalam Penyelesaian 13 Aset Tetap dan inventaris 14 Persediaan 15 Rupa-rupa Aset Komponen Kewajiban dan Modal 1 Dana Pihak Ketiga a. Dana Simpanan Wadiah 1. Giro 2. Tabungan b. Dana Investasi Non Profit Sharing 1. Giro 2. Tabungan 3. Deposito c. Dana Investasi Profit Sharing 1. Giro 2. Tabungan 3. Deposito 2 Liabilitas kepada Bank Indonesia 3 Liabilitas kepada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

ASSETS 2.868 26.667 8.083 3.580 14.013

3.301 32.428 8.270 4.720 17.738

2.914 26.699 8.190 4.988 12.344

2.718 25.901 8.227 5.063 10.020

2.734 25.311 8.241 4.996 9.255

3.625 21.272 8.134 4.838 5.966

4.232 23.112 8.104 4.768 6.558

3.391 21.849 8.321 4.970 6.442

3.307 24.352 8.261 4.525 8.020

2.968 22.300 8.335 3.997 8.101

3.049 22.590 8.420 3.680 8.797

3.495 25.797 8.761 3.385 10.120

3.110 22.565 8.731 3.500 8.537

2.984 1. Cash 24.952 2. Deposit in Bank Indonesia a. Deposit 8.668 b. Bank Indonesia Certificates Syariah 4.008 c. Fasilitas Simpanan Bank Indonesia Syariah 9.172

991 3.155 2.204 946 1 5 9.850 9.665 185 50.221 49.729 8.608 41.061 60 492 345 147 96.787 96.779 90.989 5.636 154 8 8 0

1.700 3.287 2.130 1.017 1 139 10.208 9.728 480 49.225 48.753 8.424 40.278 51 472 330 142 97.283 97.276 91.867 5.256 153 7 7 0

2.592 2.891 2.009 841 1 41 12.050 11.540 510 50.359 49.834 8.037 41.773 24 524 391 134 95.716 95.710 91.074 4.491 146 6 6 0 1.702 1.701

2.820 3.269 2.306 799 1 163 12.503 11.997 505 50.861 50.342 8.041 42.300 1 518 385 133 95.980 95.975 91.532 4.299 144 5 5 1.705 1.704

2.334 3.712 2.651 949 1 111 13.062 12.436 626 53.039 52.470 8.566 43.904 569 436 132 96.552 96.546 92.223 4.182 142 5 5 1.694 1.693

3.682 3.301 2.292 898 1 109 13.047 12.492 555 52.451 51.871 8.583 43.288 580 449 131 95.536 95.531 91.378 4.014 140 5 5 1.657 1.657

2.117 3.704 2.623 983 1 96 13.282 12.651 631 52.857 52.285 8.477 43.809 572 447 125 95.407 95.402 91.371 3.892 138 5 5 1.601 1.600

3.546 2.817 1.883 914 1 18 14.055 13.488 567 54.072 53.516 8.367 45.149 556 441 115 96.095 96.090 92.146 3.808 136 5 5 1.555 1.551

1.866 3.019 2.098 914 1 6 15.879 15.325 554 53.759 53.184 8.214 44.970 575 463 112 95.695 95.691 91.992 3.573 126 5 5 1.519 1.515

1.693 3.103 2.191 887 1 24 16.829 16.284 545 54.044 53.495 8.003 45.492 549 445 105 95.806 95.801 92.289 3.388 124 6 6 1.574 1.571

3.531 3.598 2.447 1.104 1 46 18.270 17.665 605 55.886 55.336 7.979 47.357 550 452 98 97.076 97.071 93.642 3.308 120 5

3.104 3.034 1.965 1.008 1 60 19.041 18.353 689 54.963 54.430 7.613 46.816 533 438 95 95.833 95.829 92.815 2.897 116 4 4

5 1.564 1.561

1.797 3.794 2.548 1.238 1 8 19.144 18.488 656 54.446 53.911 7.806 46.105 535 438 97 96.763 96.757 93.561 3.080 117 5 5 1.535 1.532

1.895 1.895

1.917 1.916

1.177 3.256 2.176 884 1 195 10.959 10.507 452 49.641 49.108 7.968 41.104 35 533 395 138 96.315 96.309 91.367 4.798 144 6 6 0 1.721 1.720

1

1

1

1

1

1

1

1

4

4

3

3

3

2.183 100 4.680 2 2.878 0 5.613

2.104 100 4.070 2 3.632 0 5.545

1.778 79 4.077 0 3.796 0 5.472

1.517 79 3.879 0 3.791 0 5.306

2.453 79 4.019 0 3.768 0 5.773

1.543 79 4.081 0 3.742 0 5.978

1.513 79 4.302 0 3.740 0 6.430

2.433 79 4.596 0 3.761 0 6.312

2.267 79 4.563 0 3.741 0 6.247

1.289 79 4.708 0 3.745 0 5.884

1.537 79 4.691

1.587 79 4.896

0 3.824 1 6.102

0 4.419 0 6.546

2.292 79 5.065 0 4.434 0 7.396

165.050 20.956 12.033 8.922 142.982 567 38.078 104.338 1.112 111 1.001 4.896 378 525 3.586 408

170.723 22.705 12.867 9.838 146.901 935 40.515 105.451 1.117 4 65 1.047 5.282 358 626 3.760 537

165.034 23.547 13.825 9.722 140.464 1.174 38.251 101.040 1.023 15 61 948 5.400 275 538 4.195 392

164.400 23.440 13.866 9.574 139.866 1.307 38.157 100.402 1.093 77 69 948 5.414 266 529 4.482 137

164.375 25.148 15.314 9.835 138.039 1.951 38.392 97.696 1.188 14 65 1.108 6.478 275 464 5.576 164

162.817 24.709 14.817 9.892 136.955 1.531 37.012 98.412 1.153 15 53 1.085 6.884 234 385 5.877 387

165.378 24.402 13.863 10.539 140.030 1.203 38.036 100.790 946 15 50 882 5.851 573 495 4.458 324

164.561 23.267 12.686 10.580 140.284 1.322 38.090 100.872 1.011 7 41 963 5.664 705 576 4.248 136

166.433 23.877 12.856 11.021 141.585 1.766 38.154 101.664 972 7 44 921 5.962 684 564 4.635 79

165.857 22.452 11.821 10.631 142.463 1.474 38.414 102.575 942 6 41 895 5.094 555 640 3.806 93

167.150 23.274 12.277 10.996 142.806 1.467 38.646 102.693 1.070 8 40 1.022 5.372 621 1.104 5.671 339

174.895 24.915 12.991 11.924 148.896 1.872 40.758 106.266 1.083 8 50 1.025 6.122 784 1.215 6.380 89

173.230 23.398 11.818 11.580 149.832 1.911 40.445 107.475 5.161 732 1.212 6.047 0 148

d. Others 3. Placement in Other Banks a. Demand Deposits b. Saving Deposits c. Time Deposits d. Margin Deposits e. Sukuk Sinking Fund f. Others 4. Investment in Securities a. Securities Issued by Non Banks b. Securities Issued by Other Banks 5. Profit Sharing Financing a. Profit sharing Financing to Non Banks 1. Mudharabah 2. Musyarakah 3. Others

b. Profit sharing Financing to Other Banks 1. Mudharabah 2. Musyarakah 3. Others

6. Receivables/Acceptables a. Receivables from Non Banks 1. Murabahah 2. Qardh 3. Istishna'

b. Receivables from Other Banks 1. Murabahah 2. Qardh 3. Istishna'

1.497 7. Ijarah including Leasing receivables a. Ijarah including Leasing receivables to Non Bank 1.494 3 b. Ijarah including Leasing receivables to Other Banks 2.380 8.Other claims 79 9. Investment in other entities 5.128 10. Impairment on Productive Assets 0 4.442 0 6.516 173.834 23.760 11.823 11.937 150.074 1.606 40.729 107.738 5.256 680 1.099 5.602 0 223


11



Tabel 6a. Kegiatan Usaha Bank Umum Syariah - SPS 2015 ( Sharia Commercial Bank ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov

Des

4 Surat Berharga yang Diterbitkan 2.790 3.437 a. Dimiliki Pihak Ketiga Bukan Bank 1.787 1.797 b. Dimiliki Bank Lain 1.003 1.640 5 Pembiayaan yang Diterima 2.022 2.252 6 Liabilitas Lainnya 947 930 7 Rupa-Rupa Liabilitas 4.029 3.926 8 Dana Investasi Profit Sharing lainnya 113 54 a. Liabilitas kepada Bank Lain 113 54 b. Surat Berharga c. Pembiayaan yang Diterima 9 Modal Pinjaman 10 Modal Disetor 10.643 10.644 11 Tambahan Modal Disetor 1.798 1.794 12 Selisih Penilaian kembali Aset Tetap 655 13 Cadangan 996 997 a. Cadangan Umum 996 996 b. Cadangan Tujuan 1 1 14 Laba 4.254 4.268 a. Tahun-tahun lalu 3.553 3.566 b. Tahun berjalan 701 702 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.2 periode Oktober 2014 *) Angka-angka sementara

Mar 2.700 1.797 903 2.102 823 3.759 115 115 10.695 1.827 648 2.067 2.066 1 3.384 3.106 278

Apr 2.955 1.797 1.158 2.102 765 3.855 29 29 10.695 1.823 648 2.067 2.066 1 3.398 3.073 326

Mei 3.765 2.112 1.653 2.102 783 4.068 67 67 10.695 1.848 648 2.082 2.066 16 3.504 3.090 415

Jun 4.438 2.112 2.326 2.102 678 4.388 15 15 10.696 2.004 648 2.104 2.088 16 3.443 3.070 372

Jul 3.795 2.112 1.683 2.102 564 3.684 18 18 10.696 2.474 648 2.145 2.129 16 3.442 3.022 420

Ags 3.659 2.112 1.547 2.100 488 3.752 18 18 10.696 2.876 668 2.145 2.129 16 3.453 3.022 431

Sep 4.712 2.112 2.600 2.100 637 3.725 19 19 11.696 2.375 670 2.145 2.129 16 3.551 3.022 528

Okt 3.305 2.112 1.193 2.100 796 3.726 26 26 11.696 2.376 670 2.145 2.129 16 3.635 3.022 613

Nov

Des

Jan

Feb

4. Issued Securities a. Securities Held by Non Banks b. Securities Held by Other Banks 5. Received Borrowing 6. Other Liabilities 7. Miscellaneous Liabilities 8. Other Profit Sharing Investment Fund a. Liabilities to Other Banks b. Issued Securities c. Received Borrowing 9. Loan Capital 10. Paid-in capital 11. Additional paid-in capital 12. Differences in Fixed Assets Appraisal 13. Reserves a. General Reserves b. Special Purpose Reserves 14. Net Income a. Previous years b. Current year Note: r) Revised figures, based on LSMK start on June 2014 and published in October 2014 at Indonesia Banking Statistics (SPI) Table 2.2 *) Provisional Figures 3.342 2.112 1.230 2.100 825 3.928 23 23 12.198 2.377 670 2.145 2.129 16 3.719 3.022 697

3.791 2.112 1.679 1.950 888 25.776 22 22 12.413 2.258 1.014 2.145 2.129 16 3.402 2.767 635

2.788 2.112 676 1.950 821 56.202 12.376 2.240 1.112 2.145 2.129 16 3.375 3.224 151

793 315 478 1.950 765 56.775 2.000* 12.376 2.244 1.112 2.145 2.129 16 3.435 3.198 238

12




Tabel 6.b. Kegiatan Unit Usaha Syariah - SPS 2015 ( Sharia Business Unit Operations ) Miliar Rp ( Billion IDR ) 2014 Indikator Komponen Aset 1 Kas 2 Penempatan pada Bank Indonesia a. Giro b. SBIS c. FASBIS d. Lainnya 3 Penempatan pada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya 4 Surat Berharga yang Dimiliki a. Diterbitkan oleh Pihak Ketiga Bukan Bank b. Diterbitkan oleh Bank Lain 5 Pembiayaan Bagi Hasil a. Pembiayaan Bagi Hasil Kepada Pihak ketiga Bukan Bank 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya b. Pembiayaan Bagi Hasil Kepada Bank Lain 1. Mudharabah 2. Musyarakah 3. Pembiayaan Bagi Hasil Lainnya 6 Piutang a. Piutang Kepada Pihak Ketiga Bukan Bank 1. Murabahah 2. Qardh 3. Istishna' b. Piutang Kepada Pihak Kepada Bank Lain 1. Murabahah 2. Qardh 3. Istishna' 7 Pembiayaan Sewa (Ijarah) termasuk Piutang Sewa a. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Pihak Ketiga Bukan Bank b. Pembiayaan Sewa (Ijarah) termasuk piutang sewa Kepada Bank Lain 8 Tagihan lainnya (Spot Forward, Reverse Repo, Tagihan Akseptasi) 9 Penyertaan 10 Cadangan Kerugian Penurunan Nilai Aset Produktif 11 Salam 12 Aset Istishna dalam Penyelesaian 13 Aset Tetap dan inventaris 14 Persediaan 15 Rupa-rupa Aset Komponen Kewajiban dan Modal 1 Dana Pihak Ketiga a. Dana Simpanan Wadiah 1. Giro 2. Tabungan b. Dana Investasi Non Profit Sharing 1. Giro 2. Tabungan 3. Deposito c. Dana Investasi Profit Sharing 1. Giro 2. Tabungan 3. Deposito 2 Liabilitas kepada Bank Indonesia 3 Liabilitas kepada Bank Lain a. Giro b. Tabungan c. Deposito d. Setoran Jaminan e. Dana Pelunasan Sukuk f. Lainnya

Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

r)

Okt

Nov

Des

Jan

Indicator

Feb

ASSETS 1. Cash 2. Deposit in Bank Indonesia a. Deposit b. Bank Indonesia Certificates Syariah c. Fasilitas Simpanan Bank Indonesia Syariah d. Others 3. Placement in Other Banks a. Demand Deposits b. Saving Deposits c. Time Deposits d. Margin Deposits e. Sukuk Sinking Fund f. Others 4. Investment in Securities a. Securities Issued by Non Banks b. Securities Issued by Other Banks 5. Profit Sharing Financing a. Profit sharing Financing to Non Banks

289 9.032 2.505 2.950 2.997

335 10.287 2.633 3.410 3.556

295 10.515 2.675 3.822 4.010

308 11.449 2.696 4.067 4.678

333 9.885 2.780 3.862 3.235

360 10.583 2.813 3.620 4.140

350 9.193 3.008 3.395 2.778

337 10.586 2.860 3.615 4.098

342 12.989 3.112 3.195 6.665

306 9.795 3.132 3.195 3.452

328 9.312 3.085 2.815 3.392

410 15.254 3.241 2.895 9.098

358 10.160 3.377 2.775 4.001

363 10.810 3.437 3.180 4.189

580 2.059 18 13 2.008 20 1.834 1.734 100 14.946 14.583 5.699 8.884 362 362 25.822 25.820 24.612 744 464 2 2 9.569 9.569

688 2.281 19 44 2.218 1.837 1.737 100 15.353 14.988 5.930 9.058 365 365 26.695 26.693 25.504 708 480 2 2 9.705 9.705

9 2.570 16 32 2.472 50 1.578

8 2.521 16 32 2.473 1.444 1.319 125 17.600 17.226 6.351 10.875 374 372 2 27.303 27.301 26.136 647 518 1 1 9.754 9.753

9 2.755 26 28 2.557 145 1.469 1.369 100 19.010 18.597 6.865 11.732 413 394 19 27.420 27.419 26.245 640 534 1 1 9.858 9.857

10 3.059 26 21 3.013 2.616 2.511 105 18.396 17.954 7.101 10.853 442 441 1 27.579 27.578 26.389 632 557 1 1 9.816 9.815

13 2.496 29 30 2.437 2.638 2.513 125 18.647 18.190 7.146 11.044 457 451 6 27.761 27.760 26.569 630 561 1 1 9.835 9.834

13 2.679 38 39 2.603 2.752 2.626 126 19.156 18.707 7.200 11.507 450 444 6 28.149 28.148 26.946 635 567 1 1 9.733 9.732

16 3.516 749 29 2.867 2.856 2.730 126 19.196 18.755 6.776 11.979 441 435 6 28.462 28.461 27.250 625 586 1 1 9.770 9.769

17 2.946 17 41 2.889 2.854 2.854

20 3.063 15 37 3.011 2.859 2.859

19.602 19.164 6.711 12.452 438 433 5 28.696 28.695 27.464 629 602 1 1 9.521 9.520

20.005 19.577 6.678 12.899 428 423 5 29.308 29.307 28.044 640 622 1 1 9.375 9.374

20 3.642 12 58 3.572 2.978 2.858 120 20.629 20.197 6.841 13.356 431 426 5 29.763 29.762 28.469 642 650 1 1

7 2.961 11 43 2.907 3.390 3.380 10 20.617 20.195 6.663 13.533 421 416 5 30.005 30.004 28.727 626 652 1 1 8.822 8.821

4 2.702 11 20 2.671 3.806 3.796 10 21.118 20.683 6.654 1. Mudharabah 14.028 2. Musyarakah 3. Others b. Profit sharing Financing to Other Banks 435 426 1. Mudharabah 9 2. Musyarakah 3. Others 30.524 6. Receivables/Acceptables a. Receivables from Non Banks 30.523 29.227 1. Murabahah 637 2. Qardh 660 3. Istishna' b. Receivables from Other Banks 1 1 1. Murabahah 2. Qardh 3. Istishna' 8.614 7. Ijarah including Leasing receivables a. Ijarah including Leasing receivables to Non Bank 8.613

1.578 17.116 16.750 6.168 10.582 366 364 2 27.161 27.159 25.991 661 507 1 1 9.667 9.666

9.070 9.069

-

1

1

1

1

1

1

1

1

1

1

1

955 14 163 1 1.668

94

401 1.169

102 1.224

197 1.235

137 1.238

73

1.107

131 1.106

396 1.344

148 1.394

1.467

425 1.531

841 8.Other claims 9. Investment in other entities 1.554 10. Impairment on Productive Assets

8 186 4 1.717

10 186 0 1.721

16 188 0 1.814

15 191 0 1.783

15 190 1 1.724

14 192 1 1.729

11 192 7 2.187

10 196 0 1.769

5 202 2.352

44.595 5.889 3.326 2.563 38.678 1.077 9.513 28.088 28 7 22 1.775 102 250 1.422 1

47.136 6.368 3.645 2.723 40.737 1.197 10.434 29.106 31 6 25 2.350 194 259 1.802 96

47.954 6.525 3.787 2.738 41.397 1.480 10.408 29.510 32 7 25 2.563 122 291 2.148 1

49.573 7.198 4.320 2.878 42.340 1.087 10.846 30.408 35 8 27 2.526 147 355 2.023 2

50.964 6.924 4.114 2.809 44.006 1.904 11.043 31.059 34 7 27 2.362 151 351 1.859 2

50.661 6.677 3.847 2.830 43.950 1.733 11.235 30.982 34 7 27 2.462 117 363 1.976 6

50.704 7.405 4.348 3.056 43.263 1.421 11.251 30.591 36 8 28 2.005 142 394 1.469 1

51.796 7.021 4.062 2.959 44.738 2.129 11.386 31.223 36 8 29 2.024 166 399 1.361 98

53.621 6.949 3.941 3.007 46.634 2.370 11.504 32.761 38 9 29 2.544 180 521 1.842 1

53.485 7.040 3.984 3.056 46.406 2.036 11.601 32.768 39 10 30 2.362 621 1.104 5.671 339

56.280 7.617 4.335 3.282 48.578 1.987 12.630 33.962 85 9 76 2.346 784 1.215 6.380 89

5 203 0 3.862 55.864 7.000 3.908 3.092 48.825 1.723 12.502 34.599 39 8 31 2.978 732 1.212 6.047 0 148

5 202 0 2.408 57.986 7.485 4.159 3.326 50.462 1.779 13.069 35.614 39 9 31 2.347 680 1.099 5.602 0 223

1.283 15 193 1 2.006 52.880 7.173 4.141 3.032 45.669 1.909 11.668 32.093 38 9 29 2.381 160 447 1.722 51

1

b. Ijarah including Leasing receivables to Other Banks

197 996 13 160 0 1.465


13



Tabel 6.b. Kegiatan Unit Usaha Syariah - SPS 2015 ( Sharia Business Unit Operations ) Miliar Rp ( Billion IDR ) 2014 Indikator

Nov

2015 Des

Mar

4 Surat Berharga yang Diterbitkan 500 500 500 a. Dimiliki Pihak Ketiga Bukan Bank 279 279 279 b. Dimiliki Bank Lain 221 221 221 5 Pembiayaan yang Diterima 234 4 4 6 Liabilitas Lainnya 4 4 4 7 Rupa-Rupa Liabilitas 15.803 16.019 18.016 8 Dana Investasi Profit Sharing lainnya a. Liabilitas kepada Bank Lain b. Surat Berharga c. Pembiayaan yang Diterima 9 Modal Pinjaman 10 Modal Disetor 11 Tambahan Modal Disetor 100 100 0 12 Selisih Penilaian kembali Aset Tetap 13 Cadangan a. Cadangan Umum b. Cadangan Tujuan 14 Laba 1.379 1.271 764 a. Tahun-tahun lalu 187 187 361 b. Tahun berjalan 1.193 1.084 403 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.3

Apr 500 279 221 4 4 17.841 0 871 321 550

Mei 500 279 221 4 4 17.143 0 1.004 315 689

Jun 500 279 221 4 4 18.620 0 1.026 329 697

Jul 500 279 221 4 4 17.468 0 1.127 293 835

2016 Ags 500 279 221 64 3 18.544 0 1.295 293 1.003

Sep

r)

Okt

Nov

Des

Jan

Feb

Indicator

4. Issued Securities a. Securities Held by Non Banks b. Securities Held by Other Banks 5. Received Borrowing 6. Other Liabilities 7. Miscellaneous Liabilities 8. Other Profit Sharing Investment Fund a. Liabilities to Other Banks b. Issued Securities c. Received Borrowing 9. Loan Capital 10. Paid-in capital 11. Additional paid-in capital 12. Differences in Fixed Assets Appraisal 13. Reserves a. General Reserves b. Special Purpose Reserves 14. Net Income a. Previous years b. Current year Note: r) Revised figures, based on LSMK start on June 2014 and published in October 2014 at Indonesia Banking Statistics (SPI) Table 2.3

500 279 221 171 2 65.754 (1) 1.447 293 1.154

500 279 221 195 5 16.704 (0) 1.600 293 1.308

500 279 221 250 2 16.674 (0) 1.704 293 1.411

555 279 276 331 3 21.868 (0) 1.456 305 1.151

500 279 221 330 10 65.135 1 1.092 959 133

500 279 221 383 3 66.377 3 995 688 307

14



Tabel 7. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah - SPS 2015 (Off Balance Sheet Account - Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Des

Nov

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb Claim commitment

Tagihan Komitmen -

Fasilitas pinjaman dari pihak lain yang belum ditarik Posisi pembelian spot yang masih berjalan

-

Posisi pembelian forward yang masih berjalan Lainnya Kewajiban Komitmen Fasilitas piutang qardh yang belum ditarik -

Fasilitas pembiayaan kepada nasabah yang belum ditarik Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik Irrevocable L/C yang masih berjalan Posisi penjualan spot yang masih berjalan

Posisi penjualan forward yang masih berjalan Lainnya Tagihan Kontijensi - Garansi (Kafalah) yang diterima - Pendapatan yang akan diterima - Lainnya Kewajiban Kontijensi - Garansi (Kafalah) yang diberikan - Lainnya Lainnya - Aktiva produktif yang dihapusbuku - Penerusan dana mudharabah muqayyadah -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

88

472

-

-

1

3

2

5

1

1

-

-

-

1

219

-

32

137

307

305

351

402

402

301

165

136

164

126

38

110

23

29

46

43

27

35

26

43

33

33

27

-

-

-

-

-

-

-

-

-

-

-

-

-

8.148

25.944

6.394

6.496

6.628

6.765

6.182

6.402

6.671

6.120

5.873

6.518

6.673

180

376

116

103

105

91

86

78

80

75

69

73

71

648 123

785 0

574 -

590 -

467 49

365 1

375 -

426 7

460 3

449 28

323 24

368 -

224 46

- Forward purchases

- Others Liabilities commitment - Qardh facililies that are not yet withdrawn 6.760 - Financing facililies to customers that are not yet withdrawn 83 - Other bank financing facilities 19 -

211 12

- Irrevocable L/Cs - Spot sales - Forward sales

321

569

135

243

321

322

356

378

395

297

161

132

191

153

1.410

1.791

1.459

1.757

1.412

1.414

1.418

1.498

1.516

1.491

1.488

1.299

1.294

1.284

24 2.613 750

25 2.417 715

26 3.632 687

27 3.705 691

28 3.696 707

29 3.659 848

29 3.684 835

30 3.710 857

32 3.710 952

718 3.689 904

236 935 295

311 947 423

237 978 565

311 1.006 542

1.952 42

1.851 105

1.924 100

2.135 100

2.598 88

2.806 185

3.016 205

3.293 222

3.201 222

3.494 253

4.357 89

3.367 127

3.022 133

3.091 137

2.189 2.738

4.878 1.523

5.527 1.392

5.806 1.374

5.843 985

5.971 774

6.143 825

6.252 827

6.402 780

6.414 756

6.728 756

7.238 725

7.493 725

7.506 725

Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK . Revisi tersebut dilakukan pada SPS periode Oktober 2014 di Tabel 7

- Financing facilities from other entities that are not yet withdrawn - Spot purchases

- Others Claim Contingency - Kafalah guarantees received - Income will be received - Others Liabilities Contingency - Guarantees issued - Others Others - Written off earning assets - Channeling of mudharabah muqayaydah

Note: r) Revised figures, based on LSMK start on June 2014. Revised in Sharia Banking Statistic (SPS) published on October, 2014 at Table 7

15



Tabel 7a. Rekening Administratif - Bank Umum Syariah - SPS 2015 (Off Balance Sheet Account - Sharia Commercial Bank) Miliar Rp (Billion IDR) 2014

2015

2016

Indicator

Indikator Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Claim commitment

Tagihan Komitmen -

Fasilitas pinjaman dari pihak lain yang belum ditarik Posisi pembelian spot yang masih berjalan

-

Posisi pembelian forward yang masih

berjalan Lainnya Kewajiban Komitmen -

Fasilitas piutang qardh yang belum ditarik

-

-


-

Posisi penjualan forward yang masih

-

-

-

-

-

-

-

-

-

-

-

-

-

-

88

472

-

-

1

3

2

5

1

1

-

-

-

1

219

-

32

137

307

305

351

402

402

301

165

136

164

126

- Forward purchases

38

110

23

29

46

43

27

35

26

43

33

33

27

19

- Others Liabilities commitment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5.572

23.455

3.564

3.585

3.700

3.713

3.174

3.541

3.764

3.633

3.677

3.997

4.188

4.288

79

303

53

53

48

58

53

53

58

51

51

50

50

50

648 123

785 0

574 -

589 -

466 49

364 1

363 -

426 7

460 3

449 28

322 24

358 -

223 46

208 12


321

569

135

243

321

322

356

378

395

297

161

132

191

153

berjalan Lainnya Tagihan Kontijensi

1.407

1.788

1.456

1.754

1.409

1.412

1.415

1.496

1.514

1.490

1.487

1.297

1.293

1.283

- Garansi (Kafalah) yang diterima - Pendapatan yang akan diterima - Lainnya Kewajiban Kontijensi

24 2.574 12

25 2.383 7

26 3.578 6

27 3.638 6

28 3.592 6

29 3.594 7

29 3.609 7

30 3.631 8

32 3.630 6

718 3.605 7

236 829 5

311 852 6

237 884 8

311 905 8

- Garansi (Kafalah) yang diberikan - Lainnya Lainnya

1.414 11

1.380 11

1.479 11

1.685 4

2.089 0

2.201 0

2.342 0

2.547 0

2.382 0

2.704 0

3.584 0

2.734 1

2.458 8

2.551 1

1.632 50

4.270 50

4.888 50

4.924 50

4.932 50

5.041 50

5.174 50

5.240 50

5.391 50

5.366 50

5.634 50

5.966 50

6.196 50

6.208 50

- Aktiva produktif yang dihapusbuku - Penerusan dana mudharabah muqayyadah

- Financing facilities from other entities that are not yet withdrawn - Spot purchases

-

- Qardh facililies that are not yet withdrawn - Financing facililies to customers that are not yet withdrawn - Other bank financing facilities


16



Tabel 7b. Rekening Administratif - Unit Usaha Syariah - SPS 2015 (Off Balance Sheet Account - Sharia Business Unit) Miliar Rp (Billion IDR) 2014

2015

2016

Indicator

Indikator Nov Tagihan Komitmen Fasilitas pinjaman dari pihak lain yang belum ditarik Posisi pembelian spot yang masih berjalan -

Posisi pembelian forward yang masih berjalan Lainnya Kewajiban Komitmen Fasilitas piutang qardh yang belum ditarik -


Posisi penjualan forward yang masih berjalan Lainnya Tagihan Kontijensi - Garansi (Kafalah) yang diterima - Pendapatan yang akan diterima - Lainnya Kewajiban Kontijensi - Garansi (Kafalah) yang diberikan - Lainnya Lainnya - Aktiva produktif yang dihapusbuku - Penerusan dana mudharabah muqayyadah -

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.861

-

-

-

-

-

2.575

2.489

2.830

2.911

2.928

3.052

3.007

25

2.907

2.487

2.197

2.521

2.485

101

73

63

50

57

33

32

-

22

24

18

24

21

-

-

-

1 -

1 -

1 -

12 -

-

0 -

0

0

10

-

-

-

-

-

-

-

-

-

-

-

4

4

3

3

3

2

3

2

2

39 738

34 708

54 681

67 685

104 701

64 841

76 828

79 849

538 32

470 94

445 90

449 95

508 88

605 185

674 204

-

-

-

-

2

2

80 946

84 897

105 289

746 222

819 222

790 253

-

- Others Liabilities commitment - Qardh facililies that are not yet withdrawn - Financing facililies to customers that 2.472 are not yet withdrawn - Other bank financing facilities 34 3 -

2

- Forward purchases

-

1 -

Claim commitment - Financing facilities from other entities that are not yet withdrawn - Spot purchases


1

1

-

-

95 416

94 558

101 534

773 89

633 127

563 125

540 136

557

608

639

883

911

930

969

1.011

1.011

1.048

1.094

1.272

1.297

1.298

2.688

1.473

1.342

1.324

934

723

774

777

730

706

706

675

675

675


17



Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah ( Sharia Commercial Bank dan Sharia Business Unit Condensed Income Statement ) - SPS 2015 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

r)

Okt

Nov

Des

Jan

Indicator

Feb

1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa: a. Penempatan pada Bank Indonesia b. Penempatan pada Bank Syariah Lain c. Surat Berharga d. Pembiayaan yang Diberikan: i. Pendapatan Bagi Hasil a. Mudharabah b. Musyarakah c. Pendapatan Bagi Hasil Lainnya ii. Piutang a. Murabahah b. Ujrah c. Istishna' d. Piutang Lainnya iii. Pendapatan Sewa (Ijarah)

29.620

32.615

10.579

14.041

17.515

21.035

24.586

28.584

32.104

35.675

39.229

43.042

3.781

6.727

1 Operating Income from:

973 187 783 20.076 5.752 1.576 4.175 1 13.228 12.958 188 69 13 1.096

1.105 210 873 21.976 6.381 1.723 4.657 1 14.424 14.128 205 76 14 1.171

410 53 259 6.121 1.822 445 1.377 0 3.999 3.927 48 23 1 301

522 73 341 8.135 2.433 600 1.833 0 5.309 5.214 64 30 2 392

631 91 434 10.188 3.029 751 2.278 0 6.647 6.530 79 37 2 512

724 113 554 12.177 3.637 907 2.730 0 7.945 7.805 93 45 2 595

804 136 654 14.292 4.269 1.075 3.194 0 9.310 9.147 108 52 3 713

913 156 750 16.559 4.915 1.246 3.669 0 10.831 10.524 244 60 3 813

1.028 176 817 18.607 5.550 1.411 4.139 0 12.135 11.789 275 67 4 922

1.144 196 901 20.700 6.169 1.572 4.597 0 13.503 13.119 304 76 4 1.028

1.270 217 1.020 22.750 6.802 1.731 5.071 0 14.828 14.403 336 84 4 1.119

1.342 237 1.166 24.977 7.523 1.890 5.633 0 16.238 15.773 373 92 0 1.217

97 23 220 2.447 885 158 726 1.459 1.418 31 9 104

190 48 264 4.310 1.307 310 997 2.810 2.732 60 17 193

iv. Salam e. Lainnya 2 Bagi Hasil Untuk Pemilik Dana Investasi Mudharabah berupa: a. Dana Investasi Non Profit Sharing

7.600 14.511

8.452 16.096

3.736 6.067

4.971 8.068

6.172 9.995

7.466 12.183

8.699 14.207

10.206 16.481

11.477 18.489

12.734 20.486

13.973 22.445

15.320 24.529

995 2.041

1.915 3.977

13.763

15.110

5.990

7.964

9.864

12.026

14.025

16.276

18.262

20.235

22.169

24.229

2.041

3.976

b. Dana Investasi Profit Sharing 3 Pendapatan Operasonal Setelah Distribusi Bagi Hasil (1 - 2) 4 Pendapatan Operasional Lainnya a. Pendapatan dari MTM dan Penjualan Surat Berharga

748 15.109

986 16.519

76 4.512

103 5.974

131 7.520

157 8.852

182 10.379

205 12.102

228 13.615

252 15.188

276 16.784

300 18.513

0 1.740

1 2.751

a. Placement in Bank Indonesia b. Placement in Other Banks c. Investment in Securities d. Financing : i. Profit Sharing a. Mudharabah b. Musyarakah c. Other profit sharing ii. Receivables/Acceptables a. Murabahah b. Qardh c. Istishna' d. Other Receiveables/ iii. LeasingAcceptables Receivables/ Acceptables (Ijarah) iv. Salam e. Others 2 Revenue Sharing for Invesment Fund Mudharabah Holders: a. Non Profit Sharing Investment Fund Sharing Investment Fund b. Profit

6.570 51

7.715 58

2.642 19

4.653 25

5.318 30

4.833 36

5.866 45

6.045 54

5.688 69

6.109 71

7.918 80

8.754 90

1.955 8

1.979 17

13

15

3

4

4

4

4

4

5

6

6

7

0

0

1.700

1.884

432

594

754

919

1.052

1.067

1.169

1.298

1.423

1.585

112

215

4.806 21.680 15.732 1 374 23

5.758 24.235 17.942 1 405 26

2.188 7.154 5.660 78 6

4.030 10.627 8.713 106 7

4.530 12.838 10.420 134 9

3.874 13.685 11.053 162 9

4.765 16.245 13.161 194 11

4.919 18.147 14.629 223 13

4.446 19.304 15.252 249 15

4.733 21.297 16.717 277 16

6.409 24.703 19.617 304 17

7.073 27.267 22.011 335 18

1.835 3.695 3.372 24 1

1.746 4.729 4.116 44 2

1

1

6

8

9

15

19

19

23

26

31

34

2

2

6.159

7.288

2.767

4.798

5.441

5.139

6.340

6.887

6.486

7.021

8.956

10.235

2.272

2.043

1.075

1.187

282

366

460

550

650

726

820

910

1.020

1.115

95

191

5 1

9 1

3 0

4 0

4 0

4 0

4 0

5 0

10 0

25 5

25 4

26 4

0 1

0 1

2.087 2.033 52

2.647 2.577 66

3.167 3.079 83

3.616 3.518 93

4.067 3.958 103

4.569 4.444 119

5.013 4.875 133

5.523 5.370 146

6.087 5.911 167

555 546 8

1.089 1.071 17

3 1.336 77 1.259 1.914 209 1.162 (953) 961 (85) 876

4 1.717 118 1.598 2.418 264 1.471 (1.207) 1.210 (107) 1.103

4 2.008 161 1.847 2.632 315 1.754 (1.439) 1.194 (124) 1.070

6 2.327 186 2.140 3.084 388 2.048 (1.660) 1.425 (171) 1.254

6 2.689 225 2.464 3.518 230 2.129 (1.899) 1.620 (186) 1.433

6 3.080 250 2.830 4.051 250 2.400 (2.150) 1.901 (219) 1.682

6 3.424 273 3.151 4.580 269 2.686 (2.417) 2.163 (243) 1.921

6 3.737 302 3.435 5.086 276 2.987 (2.711) 2.375 (267) 2.107

9 4.157 358 3.798 5.256 348 3.303 (2.955) 2.301 1.705 (334) 1.786

b. Pendapatan Bank selaku Mudharib dalam Mudharabah Al Muqayaddah c. Pendapatan dari Penyertaan, Fee/Komisi/Provisi d. Pendapatan Lainnya 5 Total Pendapatan Operasional (3 + 4) 6 Total Beban Operasional a. Beban Imbalan kepada BI b. Bonus Titipan Wadiah c. Kerugian atas MTM dan Penjualan Surat Berharga d. Kerugian dari Penyertaan dan Beban Komisi/Provisi e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban Pemeliharaan Aset Tetap/Inventaris g. Beban Risiko Operasional h. Kerugian Restrukturisasi Pembiayaan

i. Beban Tenaga Kerja 4.840 5.339 1.518 i. Biaya Tenaker 4.718 5.220 1.481 ii. Biaya Pendidikan dan Pelatihan 116 112 36 Tenaker iii. Penelitian dan Pengembangan 6 8 1 j. Beban Operasional Lainnya 3.254 3.684 999 i. Promosi 246 300 56 ii. Biaya Lainnya 3.008 3.384 944 7 Laba/Rugi Operasional (5 - 6) 5.947 6.293 1.494 8 Pendapatan Non Operasional 639 477 127 9 Beban Non Operasional 4.551 4.722 874 10 Laba/Rugi Non Operasional (8 - 9) (3.911) (4.244) (747) 11 Laba/Rugi Tahun Berjalan (7 + 10) 2.036 2.049 747 12 Tranfer Laba/Rugi 846 13 Pajak Penghasilan (205) (137) (66) 14 Laba/Rugi Bersih 1.831 1.733 681 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK . Revisi tersebut dilakukan pada SPS periode Oktober 2014 di Tabel 8

3 Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders 4 (1-2) Other Operating Income a. Income from Mark-to-Market and Sale of Securities b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah c. Income from Investment, Fees,Commission, Provision d. Other Income 5 Total of Operating Income 6 Total of Operating Costs a. Yield to BI b. Wadiah Bonuses c. Loss from Mark-to-Market and Sale of Securities d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Cost of Operational Risk h. Loss from Financing Restructuring i. Cost of Human Resources i. Labour Cost ii. Training Cost

iii. Research and Development j. Other Operating Costs i. Promotion ii. Other Costs 7 Operating Profit/Loss (5 - 6) 8 Non Operating Income 9 Non Operating Cost 10 Non Operating Profit/Loss (8 - 9) 11 Year-to-date Profit/Loss (7 + 10) 12 Transfer of Profit/Loss 13 Income Tax 14 Net Proft/Loss Note: r) Revised figures, based on LSMK start on June 2014. Revised in Sharia Banking Statistic (SPS) published on October, 2014 at Table 8 1 422 16 406 323 15 27 (12) 311 (27) 284

2 742 31 711 614 29 47 (19) 595 (50) 545

18



Tabel 8a. Laporan Laba Rugi Bank Umum Syariah ( Sharia Commercial Bank Condensed Income Statement ) - SPS 2015 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Indicator

Feb


1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa: a. Penempatan pada Bank Indonesia b. Penempatan pada Bank Syariah Lain c. Surat Berharga d. Pembiayaan yang Diberikan: i. Pendapatan Bagi Hasil a. Mudharabah b. Musyarakah c. Pendapatan Bagi Hasil Lainnya ii. Piutang a. Murabahah b. Ujrah c. Istishna' d. Piutang Lainnya iii. Pendapatan Sewa (Ijarah) iv. Salam e. Lainnya 2 Bagi Hasil Untuk Pemilik Dana Investasi Mudharabah berupa: a. Dana Investasi Non Profit Sharing b. Dana Investasi Profit Sharing 3 Pendapatan Operasonal Setelah Distribusi Bagi Hasil (1 - 2) 4 Pendapatan Operasional Lainnya a. Pendapatan dari MTM dan Penjualan Surat Berharga b. Pendapatan Bank selaku Mudharib dalam Mudharabah Al Muqayaddah c. Pendapatan dari Penyertaan, Fee/Komisi/Provisi d. Pendapatan Lainnya 5 Total Pendapatan Operasional (3 + 4) 6 Total Beban Operasional a. Beban Imbalan kepada BI b. Bonus Titipan Wadiah c. Kerugian atas MTM dan Penjualan Surat Berharga d. Kerugian dari Penyertaan dan Beban Komisi/Provisi e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban Pemeliharaan Aset Tetap/Inventaris g. Beban Risiko Operasional h. Kerugian Restrukturisasi Pembiayaan

23.352

25.853

8.672

11.473

14.256

17.061

19.881

22.940

25.673

28.522

31.335

34.418

3.021

5.286

635 36 695 15.645 4.703 1.065 3.638 1 10.677 10.494 151 19 13 265 6.341 10.992

727 42 773 17.212 5.204 1.158 4.046 1 11.752 11.552 166 21 14 256 7.099 12.276

301 14 225 4.694 1.445 277 1.168 0 3.204 3.155 42 6 1 45 3.437 5.104

371 19 299 6.233 1.920 370 1.550 0 4.254 4.188 56 8 2 59 4.551 6.752

439 24 382 7.797 2.379 460 1.919 0 5.330 5.250 69 9 2 89 5.613 8.329

495 29 491 9.297 2.844 551 2.293 0 6.366 6.271 82 11 2 86 6.749 9.987

540 35 571 10.894 3.327 648 2.679 0 7.454 7.345 95 12 3 112 7.841 11.613

611 41 649 12.667 3.826 754 3.072 0 8.703 8.457 229 14 3 138 8.972 13.258

690 46 700 14.185 4.292 847 3.445 0 9.734 9.457 259 14 4 159 10.052 14.830

770 52 767 15.760 4.750 938 3.811 0 10.836 10.528 287 16 4 175 11.173 16.435

862 57 866 17.287 5.222 1.030 4.191 0 11.877 11.537 318 18 4 188 12.263 17.991

953 62 1.016 18.952 5.761 1.120 4.641 0 12.991 12.620 353 18 0 200 13.435 19.646

62 7 203 1.893 710 88 622 1.164 1.132 30 2 19 856 1.637

128 14 227 3.214 960 173 788 2.223 2.163 58 3 30 1.704 3.229

2

10.247 746 12.359

11.292 984 13.577

5.028 75 3.568

6.650 102 4.722

8.200 129 5.927

9.832 155 7.074

11.434 179 8.268

13.056 202 9.682

14.606 225 10.843

16.187 248 12.087

17.719 272 13.343

19.350 296 14.772

1.637 1.384

3.229 2.056

3

6.042 51

7.057 57

2.397 19

4.318 24

4.918 30

4.416 35

5.366 44

5.496 53

5.063 68

5.381 71

7.131 79

7.873 89

1.843 7

1.837 17

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1.491

1.640

383

514

640

775

893

886

961

1.068

1.168

1.298

90

182

4.501 18.401 13.602 1 319 21

5.360 20.634 15.543 1 345 24

1.995 5.965 4.878 62 6

3.779 9.039 7.640 84 6

4.248 10.845 9.077 106 8

3.606 11.490 9.519 128 8

4.429 13.634 11.357 153 10

4.556 15.178 12.633 175 12

4.034 15.906 12.986 195 14

4.242 17.467 14.154 216 15

5.885 20.474 16.784 235 16

6.486 22.645 18.653 257 17

1.746 3.228 3.039 21 1

1.639 3.894 3.595 39 1

0

0

5

7

9

14

16

18

21

24

28

32

2

2

5.480

6.506

2.471

4.384

4.939

4.503

5.625

6.119

5.613

6.009

7.831

8.789

2.129

1.852

961

1.061

246

318

398

476

563

638

721

800

898

981

84

170

5 1

8 1

3 0

3 0

4 0

4 0

4 0

4 0

10 0

25 5

25 4

26 4

0 1

0 1

i. Beban Tenaga Kerja i. Biaya Tenaker ii. Biaya Pendidikan dan Pelatihan Tenaker iii. Penelitian dan Pengembangan j. Beban Operasional Lainnya i. Promosi ii. Biaya Lainnya Laba/Rugi Operasional (5 - 6) Pendapatan Non Operasional Beban Non Operasional Laba/Rugi Non Operasional (8 - 9) Laba/Rugi Tahun Berjalan (7 + 10) Tranfer Laba/Rugi Pajak Penghasilan Laba/Rugi Bersih

4.215 4.106 104

4.651 4.546 98

1.338 1.304 33

1.842 1.794 47

2.331 2.268 61

2.781 2.703 76

3.142 3.054 85

3.536 3.439 94

3.974 3.862 108

4.348 4.224 120

4.799 4.662 133

5.289 5.130 153

492 484 8

963 947 15

5 2.599 210 2.389 4.799 177 4.085 (3.908) 891 (190) 701

7 2.946 256 2.690 5.091 52 4.320 (4.269) 822 666 (120) 702

1 748 47 701 1.087 18 763 (744) 343 (65) 278

1 995 67 928 1.399 19 1.009 (990) 409 (83) 326

2 1.282 104 1.178 1.767 26 1.274 (1.248) 520 (105) 415

2 1.605 138 1.467 1.971 36 1.513 (1.477) 494 (121) 372

3 1.844 159 1.685 2.277 67 1.759 (1.692) 586 (166) 420

3 2.129 195 1.934 2.545 81 2.014 (1.934) 612 (181) 431

3 2.438 216 2.222 2.920 92 2.273 (2.180) 740 (211) 528

4 2.712 235 2.477 3.313 78 2.546 (2.467) 846 (233) 613

7 8 9 10 11 12 13 14

4

5 6

a. Placement in Bank Indonesia b. Placement in Other Banks c. Investment in Securities d. Financing : i. Profit Sharing a. Mudharabah b. Musyarakah c. Other profit sharing ii. Receivables/Acceptables a. Murabahah b. Qardh c. Istishna' d. Other Receiveables/Acceptables iii. Leasing Receivables/Acceptables (Ijarah) iv. Salam e. Others Revenue Sharing for Invesment Fund Mudharabah Holders: a. Non Profit Sharing Investment Fund b. Profit Sharing Investment Fund Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders Other Operating Income a. Income from Mark-to-Market and Sale of Securities b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah c. Income from Investment, Fees,Commission, Provision d. Other Income Total of Operating Income Total of Operating Costs a. Yield to BI b. Wadiah Bonuses c. Loss from Mark-to-Market and Sale of Securities d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Cost of Operational Risk h. Loss from Financing Restructuring i. Cost of Human Resources i. Labour Cost ii. Training Cost

iii. Research and Development j. Other Operating Costs i. Promotion ii. Other Costs 7 Operating Profit/Loss (5 - 6) 8 Non Operating Income 9 Non Operating Cost 10 Non Operating Profit/Loss (8 - 9) 11 Year-to-date Profit/Loss (7 + 10) 12 Transfer of Profit/Loss 13 Income Tax 14 Net Proft/Loss "-": Data not available *) Source: Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah 4 2.946 258 2.688 3.691 83 2.821 (2.738) 953 (256) 697

7 3.258 302 2.956 3.992 103 3.118 (3.015) 977 1.544 (322) 635

0 308 13 295 189 2 15 (13) 176 (25) 151

0 567 25 542 299 10 23 (13) 285 (48) 238

19



Tabel 8b. Laporan Laba Rugi Unit Usaha Syariah ( Sharia Business Unit Condensed Income Statement ) - SPS 2015 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

r)

Okt

Nov

Des

Jan

Indicator

Feb

1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa: a. Penempatan pada Bank Indonesia b. Penempatan pada Bank Syariah Lain c. Surat Berharga d. Pembiayaan yang Diberikan: i. Pendapatan Bagi Hasil a. Mudharabah b. Musyarakah c. Pendapatan Bagi Hasil Lainnya ii. Piutang a. Murabahah b. Ujrah c. Istishna' d. Piutang Lainnya iii. Pendapatan Sewa (Ijarah)

6.269

6.762

1.907

2.568

3.259

3.974

4.705

5.644

6.431

7.153

7.895

8.624

760

1.442


339 151 89 4.431 1.049 512 537 0 2.551 2.464 37 50 832

378 168 100 4.764 1.177 565 612 2.672 2.577 39 56 915

109 39 33 1.427 377 168 209 795 772 6 17 255

150 54 42 1.902 513 230 284 1.055 1.025 8 22 333

192 67 51 2.391 650 291 359 1.318 1.280 10 28 423

229 84 63 2.881 793 356 437 1.579 1.534 11 34 508

264 101 83 3.398 942 427 515 1.856 1.803 13 40 600

301 115 101 3.892 1.089 492 597 2.128 2.067 14 47 675

338 130 117 4.422 1.258 563 694 2.400 2.332 15 53 764

374 144 133 4.940 1.420 634 786 2.667 2.590 17 60 853

408 160 154 5.463 1.580 701 879 2.951 2.866 18 67 931

390 175 150 6.026 1.762 770 992 3.247 3.153 19 74 1.017

35 16 17 554 174 70 104 295 286 1 7 85

63 34 38 1.096 346 137 209 586 569 3 14 163

iv. Salam e. Lainnya 2 Bagi Hasil Untuk Pemilik Dana Investasi Mudharabah berupa: a. Dana Investasi Non Profit Sharing b. Dana Investasi Profit Sharing 3 Pendapatan Operasonal Setelah Distribusi Bagi Hasil (1 - 2)

1.259 3.519

1.353 3.820

299 963

420 1.316

558 1.666

717 2.196

858 2.593

1.234 3.224

1.425 3.659

1.561 4.051

1.710 4.454

1.885 4.883

138 405

211 748

3.517 2 2.750

3.818 2 2.942

962 1 944

1.314 2 1.252

1.664 2 1.593

2.194 2 1.778

2.591 3 2.111

3.221 3 2.420

3.656 3 2.772

4.048 3 3.102

4.450 4 3.441

4.879 5 3.741

405 0 356

747 1 694

4 Pendapatan Operasional Lainnya a. Pendapatan dari MTM dan Penjualan Surat Berharga b. Pendapatan Bank selaku Mudharib dalam Mudharabah Al Muqayaddah

528 1

659 1

245 0

336 1

400 1

417 1

500 1

549 1

625 1

728 1

787 1

881 1

111 1

142 1

12

15

2

4

4

4

4

4

4

6

6

6

0

0

a. Placement in Bank Indonesia b. Placement in Other Banks c. Investment in Securities d. Financing : i. Profit Sharing a. Mudharabah b. Musyarakah c. Other profit sharing ii. Receivables/Acceptables a. Murabahah b. Qardh c. Istishna' d. Other Receiveables/Acceptables iii. Leasing Receivables/Acceptables (Ijarah) iv. Salam e. Others 2 Revenue Sharing for Invesment Fund Mudharabah Holders: a. Non Profit Sharing Investment Fund b. Profit Sharing Investment Fund 3 Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders (1-2) Operating Income 4 Other a. Income from Mark-to-Market and Sale of Securities b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah

c. Pendapatan dari Penyertaan, Fee/Komisi/Provisi d. Pendapatan Lainnya 5 Total Pendapatan Operasional (3 + 4) 6 Total Beban Operasional a. Beban Imbalan kepada BI b. Bonus Titipan Wadiah c. Kerugian atas MTM dan Penjualan Surat Berharga d. Kerugian dari Penyertaan dan Beban Komisi/Provisi e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban Pemeliharaan Aset Tetap/Inventaris g. Beban Risiko Operasional h. Kerugian Restrukturisasi Pembiayaan

209

244

49

80

115

144

159

181

208

231

256

287

22

33

306 3.279 2.130 0 55 2

398 3.601 2.399 60 2

193 1.189 782 16 0

251 1.588 1.072 22 1

281 1.993 1.343 28 1

268 2.195 1.534 34 1

336 2.611 1.804 40 1

363 2.969 1.996 48 1

412 3.398 2.267 54 1

491 3.830 2.563 61 1

524 4.228 2.833 68 1

587 4.622 3.358 78 1

89 467 333 3 -

108 836 521 6 0

7 8 9 10 11 12 13 14

i. Beban Tenaga Kerja i. Biaya Tenaker ii. Biaya Pendidikan dan Pelatihan Tenaker iii. Penelitian dan Pengembangan j. Beban Operasional Lainnya i. Promosi ii. Biaya Lainnya Laba/Rugi Operasional (5 - 6) Pendapatan Non Operasional Beban Non Operasional Laba/Rugi Non Operasional (8 - 9) Laba/Rugi Tahun Berjalan (7 + 10) Tranfer Laba/Rugi Pajak Penghasilan Laba/Rugi Bersih

1

1

0

0

0

1

2

1

2

2

2

2

0

1

679

782

297

414

502

636

715

768

873

1.012

1.125

1.446

143

191

114

126

36

49

61

74

88

88

99

110

121

134

11

21

0

0

0

0

0

0

0

0

0

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

624 612 12

689 674 14

180 177 3

245 240 5

317 309 5

385 376 7

474 464 8

530 519 9

595 582 11

665 651 12

724 709 13

798 781 14

1 655 35 619 1.148 462 466 (4) 1.145 (15) 1.130

1 738 44 694 1.202 426 401 24 1.227 179 (16) 1.031

0 252 9 243 407 108 111 (3) 404 (1) 403

1 341 10 331 515 190 154 37 552 (2) 550

2 434 14 420 650 238 197 41 691 (2) 689

2 403 23 380 661 279 240 39 700 (3) 697

3 483 28 455 807 321 289 32 839 (5) 835

2 560 30 530 973 150 115 35 1.008 (5) 1.003

2 642 34 608 1.131 157 127 30 1.161 (7) 1.154

2 712 38 674 1.267 191 140 51 1.317 (10) 1.308

-

0 -

63 62 0

126 123 1

c. Income from Investment, Fees,Commission, Provision d. Other Income 5 Total of Operating Income 6 Total of Operating Costs a. Yield to BI b. Wadiah Bonuses c. Loss from Mark-to-Market and Sale of Securities d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Cost of Operational Risk h. Loss from Financing Restructuring i. Cost of Human Resources i. Labour Cost ii. Training Cost

iii. Research and Development j. Other Operating Costs i. Promotion ii. Other Costs 7 Operating Profit/Loss (5 - 6) 8 Non Operating Income 9 Non Operating Cost 10 Non Operating Profit/Loss (8 - 9) 11 Year-to-date Profit/Loss (7 + 10) 12 Transfer of Profit/Loss 13 Income Tax 14 Net Proft/Loss "-": Data not available *) Source: Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah 2 791 45 747 1.395 193 166 26 1.422 (11) 1.411

2 898 56 842 1.264 245 185 60 1.324 161 (12) 1.151

1 114 3 111 134 13 12 1 135 (2) 133

1 175 6 169 315 19 24 (5) 310 (3) 307

20



Tabel 9. Aktiva Produktif berdasarkan Kualitas - Bank Umum Syariah dan Unit Usaha Syariah (Earning Assets based on Collectibility of Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator 1. Lancar 2. Dalam Perhatian Khusus 3. Kurang Lancar 4. Diragukan 5. Macet Total Aset Produktif Rasio Aset Produktif Non Lancar

2014

2015

2016 r)

Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

216.085 15.532 2.611 1.669 5.620 241.517 4,10

227.257 13.406 2.474 1.702 4.721 249.560 3,57

215.974 20.126 2.752 1.952 5.133 245.937 4,00

216.716 21.283 2.665 1.702 5.112 247.478 3,83

218.487 21.083 3.016 1.744 5.166 249.497 3,98

218.250 21.190 2.922 1.452 5.601 249.414 4,00

217.451 20.374 2.623 1.853 5.754 248.055 4,12

219.375 21.001 2.442 1.900 5.884 250.602 4,08

226.236 21.859 2.250 1.610 6.211 258.166 3,90

Okt

Nov

Des

Jan

Feb

222.039 21.638 2.224 1.069 6.825 253.796 3,99

223.859 22.111 2.376 962 6.634 255.942 3,90

241.755 19.507 2.417 924 6.132 270.735 3,50

229.788 22.039 2.984 996 6.553 262.360 4,01

231.835 23.513 2.821 1.217 6.717 266.103 4,04

Indicator

1. Current 2. Special Mention 3. Sub-Standard 4. Doubtful 5. Lost Total Earning Assets Percentage of Non Performing Earning Assets

21



Tabel 9a. Aktiva Produktif berdasarkan Kualitas - Bank Umum Syariah (Earning Assets based on Collectibility of Sharia Commercial Bank ) Miliar Rp ( Billion IDR ) Indikator 1. Lancar 2. Dalam Perhatian Khusus 3. Kurang Lancar 4. Diragukan 5. Macet Total Aset Produktif Rasio Aset Produktif Non Lancar

2014

2015

2016

Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

159.855 12.284 2.228 1.448 4.780 180.595 4,68

168.229 10.357 2.106 1.457 3.990 186.138 4,06

156.029 15.668 2.433 1.678 4.121 179.929 4,58

155.492 16.685 2.234 1.426 4.153 179.989 4,34

157.005 16.229 2.623 1.459 4.180 181.496 4,55

155.036 17.176 2.113 1.187 4.581 180.094 4,38

156.024 16.166 2.255 1.250 4.604 180.299 4,50

154.783 17.368 2.057 1.333 4.731 180.273 4,51

159.405 17.778 1.920 972 5.077 185.152 4,30

157.245 17.870 1.868 855 5.283 183.122 4,37

158.974 18.046 2.092 781 5.070 184.962 4,29

169.873 15.102 2.210 774 4.684 192.642 3,98

163.272 17.530 2.645 812 5.101 189.360 4,52

163.881 18.504 2.460 1.045 5.240 191.131 4,58

Indicator


22



Tabel 9b. Aktiva Produktif berdasarkan Kualitas - Unit Usaha Syariah (Earning Assets based on Collectibility of Sharia Business Units ) Miliar Rp ( Billion IDR ) Indikator 1. Lancar 2. Dalam Perhatian Khusus 3. Kurang Lancar 4. Diragukan 5. Macet Total Aset Produktif Rasio Aset Produktif Non Lancar

2014 Nov 56.231 3.248 383 221 839 60.922 2,37

2015 Des 59.028 3.049 368 245 732 63.422 2,12

Mar 59.945 4.459 319 274 1.012 66.008 2,43

Apr 61.224 4.598 431 276 959 67.489 2,47

Mei 61.483 4.855 392 285 985 68.000 2,45

Jun 63.214 4.014 808 265 1.019 69.320 3,02

Jul 61.428 4.208 368 603 1.150 67.757 3,13

2016 Ags 64.592 3.632 385 567 1.153 70.329 2,99

Sep

r)

66.832 4.081 330 639 1.133 73.015 2,88

Okt 64.794 3.768 357 214 1.542 70.674 2,99

Nov 64.885 4.065 285 181 1.564 70.979 2,86

Des 71.882 4.405 207 150 1.448 78.093 2,31

Jan 66.515 4.509 339 184 1.452 73.000 2,71

Feb 67.954 5.009 360 171 1.477 74.972 2,68

Indicator


23




Tabel 10. Surat Berharga yang Dimiliki Berdasarkan Jenis Instrumen dan Kategori Pengukuran Bank Umum Syariah dan Unit Usaha Syariah - SPS 2015 (Investment in Securities Based on Instrument Categories and Measurement Methods of Sharia Commercial Bank and Sharia Business Unit) Miliar Rp (Billion IDR) 2014

2015

2016

Indicator

Indikator Surat Berharga dimiliki berdasarkan Jenis Surat Berharga Pasar Uang Syariah (SBPU Syariah) 1 a. Surat Perbendaharaan Negara Syariah b. Sertifikat Investasi Mudharabah AntarBank (SIMA) c. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Surat Berharga Syariah Negara (SBSN) b. Sertifikat Reksadana Syariah c. Sukuk Subordinasi d. Sukuk Lainnya e. SBPM Syariah Lainnya Surat Berharga diterbitkan berdasarkan Jenis 1 Surat Berharga Pasar Uang Syariah (SBPU Syariah) a. Sertifikat Investasi Mudharabah AntarBank (SIMA) b. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Sukuk Subordinasi b. Sukuk Lainnya c. SBPM Syariah Lainnya Surat Berharga Dimiliki Berdasarkan Kategori Pengukuran Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah 2 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Diterbitkan berdasarkan Kategori Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual

2

b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual

b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Ket: *) Angka Sementara

Nov

Des

Mar

Apr

Mei

Jun

11.684 1.307 946 165 196 10.377 7.988 953 30 1.293 113 3.290 790 790 2.500 2.000 500 11.684 1.307 180 180

12.046 1.521 951 380 190 10.525 8.007 1.324 30 1.054 111 3.937 1.437 1.437 2.500 2.000 500 12.046 1.521 328 328

12.537 820 384 225 212 11.717 9.184 1.336 30 1.057 110 3.200 700 700 2.500 2.000 500 12.537 820 156 156

13.494 740 120 347 272 12.755 10.067 1.511 30 1.037 110 3.455 955 955 2.500 2.000 500 13.494 740 223 223

13.972 609 169 130 310 13.363 10.473 1.543 30 1.197 121 4.265 1.265 1.265 3.000 2.000 1.000 13.972 609 253 253

15.678 763 219 258 286 14.915 11.816 1.735 30 1.216 118 4.938 1.938 1.938 3.000 2.000 1.000 15.678 763 230 230

1.127

1.193

665

516

356

10.377 5.397 1.004 4.393

10.525 5.711 1.009 4.702

11.717 5.739 1.037 4.702

12.755 6.573 1.341 5.232

4.980

4.814

5.978

3.290 790 -

3.937 1.437 90 90

790

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

15.685 912 436 255 221 14.773 11.858 1.582 30 1.186 117 4.295 1.295 1.295 3.000 2.000 1.000 15.685 912 195 195

16.034 972 439 323 209 15.062 12.169 1.557 30 1.190 117 4.159 1.159 1.159 3.000 2.000 1.000 16.034 972 199 199

16.911 1.449 959 260 231 15.462 12.582 1.525 30 1.207 119 5.212 2.212 2.212 3.000 2.000 1.000 16.911 1.449 322 97 225

18.733 2.133 1.731 60 342 16.600 13.717 1.527 30 1.207 119 3.805 805 805 3.000 2.000 1.000 18.733 2.133 530 243 286

19.688 2.755 2.321 28 406 16.933 14.060 1.527 30 1.197 119 3.842 692 692 3.150 2.150 1.000 19.688 2.755 613 245 368

21.248 2.887 2.285 160 443 18.361 15.242 1.527 30 1.444 119 4.346 1.221 1.221 3.125 2.125 1.000 21.248 2.887 633 246 387

22.534 2.824 2.365 30 429 19.710 16.504 1.528 30 1.506 143 3.288 278 278 3.010 2.010 1.000 22.534 2.824 680 296 384

533

717

773

1.127

1.603

2.142

2.254

2.144

13.363 6.911 1.551 5.360

14.915 7.279 1.711 5.568

14.773 7.161 1.719 5.442

15.062 7.400 1.954 5.446

15.462 7.799 2.375 5.423

16.600 7.816 2.442 5.374

16.933 7.830 2.446 5.383

18.361 7.825 2.446 5.380

19.710 7.815 2.449 5.367

19.976 3.239 2.223 1.016

6.182

6.452

7.636

7.612

7.662

7.663

8.784

9.103

10.536

11.895

16.738

3.200 700 -

3.455 955 385 385 -

4.265 1.265 345 330 15

4.938 1.938 653 653 -

4.295 1.295 275 225 50

4.159 1.159 604 604 -

5.212 2.212 950 900 50

3.805 805 10 10

3.842 692 -

4.346 1.221 55 55

3.288 278 -

1.293 Securities Based on Measurement Methods 247 1 Sharia Money Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income -

1.347

700

570

920

1.285

1.020

555

1.262

795

692

1.166

278

247

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

3.000 1.500 1.500 -

3.000 1.500 1.500 -

3.000 1.500 1.500 -

3.000 1.500 1.500 -

3.000 1.500 1.500 -

3.000 1.500 1.500 -

3.150 1.650 1.650 -

3.125 1.625 1.625 -

3.010 1.510 1.510 -

1.047 47 47 -

1.000

1.000

1.000

1.000

1.500

1.500

1.500

1.500

1.500

1.500

1.500

1.500

1.500

1.000

Securities Based on Instrument Categories 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN b. Interbank Mudharabah Investment Certificates (SIMA) c. Other Sharia Money Market Securities 2 Sharia Capiral Market Securities (SBPM Sharia) a. Sharia SBN (SBSN) b. Sharia Mutual Fund Certificates c. Subordinated Sukuk d. Others Sukuk e. Other Sharia Capiral Market Securities Securities Based on Instrument Categories 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN b. Other Sharia Money Market Securities 2 Sharia Capiral Market Securities (SBPM Sharia) b. Sharia Mutual Fund Certificates c. Subordinated Sukuk d. Other Sharia Capiral Market Securities Securities Based on Measurement Methods 1 Sharia Money Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income Available for Sale 2.301 b. Measured at Face Value - Held to Maturity

22.847 2.870 2.378 70 422 19.976 16.737 1.528 30 1.539 143 1.293 247 247 1.047 47* 1.000 22.847 2.870 570 298 272

2

Sharia Capital Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income Available for Sale b. Measured at Face Value - Held to Maturity

Available for Sale b. Measured at Face Value - Held to Maturity 2

Sharia Capital Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income Available for Sale b. Measured at Face Value - Held to Maturity Note: *) Provisional Figures

24




Tabel 10a. Surat Berharga yang Dimiliki dan Diterbitkan Berdasarkan Jenis Instrumen dan Kategori Pengukuran Bank Umum Syariah - SPS 2015 (Investment in Securities Based on Instrument Categories and Measurement Methods of Sharia Commercial Bank) Miliar Rp (Billion IDR) 2014

2015

2016

Indicator

Indikator Nov Surat Berharga dimiliki berdasarkan Jenis Surat Berharga Pasar Uang Syariah (SBPU Syariah) 1 a. Surat Perbendaharaan Negara Syariah b. Sertifikat Investasi Mudharabah AntarBank (SIMA) c. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Surat Berharga Syariah Negara (SBSN) b. Sertifikat Reksadana Syariah c. Sukuk Subordinasi d. Sukuk Lainnya e. SBPM Syariah Lainnya Surat Berharga diterbitkan berdasarkan Jenis 1 Surat Berharga Pasar Uang Syariah (SBPU Syariah) a. Sertifikat Investasi Mudharabah AntarBank (SIMA) b. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Sukuk Subordinasi b. Sukuk Lainnya c. SBPM Syariah Lainnya Surat Berharga Dimiliki Berdasarkan Kategori Pengukuran Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah 2 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Diterbitkan berdasarkan Kategori Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah 2 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Ket: *) Angka Sementara

Des

Mar

Apr

Mei

Jun

9.850 261 65 196 9.589 7.421 953 30 1.090 94 2.790 790 790 2.000 2.000 9.850 261 180 180

10.208 470 280 190 9.739 7.440 1.324 30 850 94 3.437 1.437 1.437 2.000 2.000 10.208 470 328 328

10.959 552 115 225 212 10.408 8.094 1.336 30 854 94 2.700 700 700 2.000 2.000 10.959 552 156 156

12.050 615 120 222 272 11.435 8.947 1.511 30 854 94 2.955 955 955 2.000 2.000 12.050 615 223 223

12.503 509 169 30 310 11.994 9.303 1.543 30 1.014 104 3.765 1.265 1.265 2.500 2.000 500 12.503 509 253 253

13.062 658 219 153 286 12.404 9.520 1.735 30 1.018 101 4.438 1.938 1.938 2.500 2.000 500 13.062 658 230 230

81

141

396

391

256

9.589 4.955 562 4.393

9.739 5.269 567 4.702

10.408 5.298 595 4.702

11.435 6.041 900 5.141

4.634

4.469

5.110

2.790 790 -

3.437 1.437 90 90

790

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

13.047 787 436 130 221 12.260 9.558 1.582 30 988 102 3.795 1.295 1.295 2.500 2.000 500 13.047 787 195 195

13.282 845 439 197 209 12.436 9.756 1.557 30 992 102 3.659 1.159 1.159 2.500 2.000 500 13.282 845 199 199

14.055 1.226 862 133 231 12.830 10.162 1.525 30 1.009 104 4.712 2.212 2.212 2.500 2.000 500 14.055 1.226 225 225

15.879 1.890 1.488 60 342 13.989 11.319 1.527 30 1.009 104 3.305 805 805 2.500 2.000 500 15.879 1.890 286 286

16.829 2.510 2.077 28 406 14.319 11.659 1.527 30 999 104 3.342 692 692 2.650 2.150 500 16.829 2.510 368 368

18.270 2.521 2.039 40 443 15.749 12.842 1.527 30 1.246 104 3.791 1.166 1.166 2.625 2.125 500 18.270 2.521 387 387

19.144 2.528 2.069 30 429 16.616 13.632 1.528 30 1.298 128 2.788 278 278 2.510 2.010 500 19.144 2.528 384 384

428

592

647

1.001

1.603

2.142

2.134

2.144

11.994 6.380 1.110 5.270

12.404 6.682 1.204 5.477

12.260 6.563 1.211 5.352

12.436 6.796 1.441 5.356

12.830 7.284 1.940 5.344

13.989 7.305 2.011 5.294

14.319 7.318 2.015 5.303

15.749 7.314 2.014 5.300

16.616 7.303 2.017 5.287

16.468 2.927 1.971 955

5.394

5.614

5.722

5.697

5.640

5.546

6.684

7.001

8.434

9.313

13.542

2.700 700 -

2.955 955 385 385 -

3.765 1.265 345 330 15

4.438 1.938 653 653 -

3.795 1.295 275 225 50

3.659 1.159 604 604 -

4.712 2.212 950 900 50

3.305 805 10 10

3.342 692 -

3.791 1.166 -

2.788 278 -

1.347

700

570

920

1.285

1.020

555

1.262

795

692

1.166

278

247

2.000 1.500 1.500 -

2.000 1.500 1.500 -

2.000 1.500 1.500 -

2.000 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.500 1.500 1.500 -

2.650 1.650 1.650

2.625 1.625 1.625

2.510 1.510 1.510 -

547 47 47 -

500

500

500

500

1.000

1.000

1.000

1.000

1.000

1.000

1.000

1.000

1.000

500

Securities Based on Instrument Categories 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN b. Interbank Mudharabah Investment Certificates (SIMA) c. Other Sharia Money Market Securities 2 Sharia Capiral Market Securities (SBPM Sharia) a. Sharia SBN (SBSN) b. Sharia Mutual Fund Certificates c. Subordinated Sukuk d. Others Sukuk e. Other Sharia Capiral Market Securities Securities Based on Instrument Categories 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN b. Other Sharia Money Market Securities 2 Sharia Capiral Market Securities (SBPM Sharia) b. Sharia Mutual Fund Certificates c. Subordinated Sukuk d. Other Sharia Capiral Market Securities Securities Based on Measurement Methods 1 Sharia Money Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income Available for Sale 2.301 b. Measured at Face Value - Held to Maturity

19.041 2.573 2.080 70 422 16.468 13.476 1.528 30 1.306 128 793 247 247 547 47* 500 19.041 2.573 272 272

2


793 Securities Based on Measurement Methods 247 1 Sharia Money Market Securities a. Measured at Fair Value: 1. Through Income Statement

2. Through Other Comprehensive Income Available for Sale b. Measured at Face Value - Held to Maturity 2

Sharia Capital Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income Available for Sale b. Measured at Face Value - Held to Maturity Note: *) Provisional Figures

25




Tabel 10b. Surat Berharga yang Dimiliki dan DIterbitkan Berdasarkan Jenis Instrumen dan Kategori Pengukuran Unit Usaha Syariah - SPS 2015 (Investment in Securities Based on Instrument Categories and Measurement Methods of Sharia Business Unit ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov Surat Berharga dimiliki berdasarkan Jenis Surat Berharga Pasar Uang Syariah (SBPU Syariah) 1 a. Surat Perbendaharaan Negara Syariah b. Sertifikat Investasi Mudharabah AntarBank (SIMA) c. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Surat Berharga Syariah Negara (SBSN) b. Sertifikat Reksadana Syariah c. Sukuk Subordinasi d. Sukuk Lainnya e. SBPM Syariah Lainnya Surat Berharga diterbitkan berdasarkan Jenis 1 Surat Berharga Pasar Uang Syariah (SBPU Syariah) a. Sertifikat Investasi Mudharabah AntarBank (SIMA) b. SBPU Syariah Lainnya Surat Berharga Pasar Modal Syariah (SBPM Syariah) 2 a. Sukuk Subordinasi b. Sukuk Lainnya c. SBPM Syariah Lainnya Surat Berharga Dimiliki Berdasarkan Kategori Pengukuran Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah 2 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Diterbitkan berdasarkan Kategori Surat Berharga Pasar Uang Syariah 1 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo Surat Berharga Pasar Modal Syariah 2 a. Diukur Pada Nilai Wajar 1. Melalui Laporan Laba/Rugi 2. Melalui Other Comprehensive Income Tersedia untuk Dijual b. Diukur pada Harga Perolehan Dimiliki Hingga Jatuh Tempo

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb 3.806 Securities Based on Instrument Categories 298 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN 298 b. Interbank Mudharabah Investment Certificates (SIMA) c. Other Sharia Money Market Securities 3.508 2 Sharia Capiral Market Securities (SBPM Sharia) a. Sharia SBN (SBSN) 3.261 b. Sharia Mutual Fund Certificates c. Subordinated Sukuk d. Others Sukuk 232 e. Other Sharia Capiral Market Securities 15 500 Securities Based on Instrument Categories - 1 Sharia Money Market Securities (SBPU Sharia) a. Sharia SPN b. Other Sharia Money Market Securities 500 2 Sharia Capiral Market Securities (SBPM Sharia) b. Sharia Mutual Fund Certificates c. Subordinated Sukuk 500 d. Other Sharia Capiral Market Securities Securities Based on Measurement Methods 3.806 298 1 Sharia Money Market Securities 298 a. Measured at Fair Value: 298 1. Through Income Statement 2. Through Other Comprehensive Income -

1.834 1.046 946 100 788 567 203 18 500 500 500 1.834 1.046 -

1.837 1.051 951 100 786 567 203 16 500 500 500 1.837 1.051 -

1.578 269 269 1.309 1.090 203 16 500 500 500 1.578 269 -

1.444 125 125 1.319 1.120 183 16 500 500 500 1.444 125 -

1.469 100 100 1.369 1.169 183 16 500 500 500 1.469 100 -

2.616 105 105 2.511 2.297 198 16 500 500 500 2.616 105 -

2.638 125 125 2.513 2.301 198 14 500 500 500 2.638 125 -

2.752 126 126 2.626 2.413 198 14 500 500 500 2.752 126 -

2.856 223 97 126 2.632 2.420 198 14 500 500 500 2.856 223 97 97 -

2.854 243 243 2.611 2.398 198 14 500 500 500 2.854 243 243 243 -

2.859 245 245 2.614 2.402 198 14 500 500 500 2.859 245 245 245 -

2.978 366 246 120 2.612 2.400 198 14 555 55 55 500 500 2.978 366 246 246 -

3.390 296 296 3.094 2.871 208 15 500 500 500 3.390 296 296 296 -

1.046

1.051

269

125

100

105

125

126

126

-

-

120

-

-

788 442 442 -

786 442 442 -

1.309 441 441 -

1.319 532 441 91

1.369 531 441 90

2.511 597 507 90

2.513 598 508 90

2.626 604 513 90

2.632 515 436 79

2.611 511 431 80

2.614 512 432 80

2.612 511 431 80

3.094 512 432 80

3.508 312 251 61

346

344

868

788

837

1.914

1.915

2.022

2.117

2.100

2.102

2.101

2.582

3.196

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

555 55 55

500 -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500 -

500

500

500

500

500

500

500

500

500

500

500

500

500

500

55



500 Securities Based on Measurement Methods 1 Sharia Money Market Securities a. Measured at Fair Value: 1. Through Income Statement 2. Through Other Comprehensive Income -



26




Tabel 11. Pembiayaan dan NPF berdasarkan Jenis Akad - Bank Umum Syariah dan Unit Usaha Syariah (Financing and Non Performance Financing based on type of Shar īah-compliant contract of Sharia Commercial Banks and Sharia Business Units ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Kredit NPF

Nov

Des

Mar

Apr

Mei

64.313 3.945 14.307 578 49.946 3.359 60 9 122.599 5.501 115.602 5.218 6.380 258 618 26 11.464 195 235 20 2 11.209 192 198.376 9.641

63.741 3.374 14.354 519 49.336 2.844 51 11 123.968 5.092 117.371 4.844 5.965 225 633 23 11.620 166 231 19 2 11.371 164 199.330 8.632

65.858 3.497 14.136 486 51.686 2.995 35 16 123.468 5.979 117.358 5.644 5.459 302 651 33 11.386 174 204 18 2 11.165 172 200.712 9.650

67.060 3.331 14.388 475 52.649 2.843 24 14 123.012 5.780 117.210 5.431 5.138 315 664 34 11.454 201 199 14 0 11.241 201 201.526 9.312

68.939 3.409 14.906 472 54.032 2.937 1 123.394 6.086 117.777 5.719 4.938 334 678 33 11.561 212 193 14 0 11.353 212 203.894 9.707

Jun 70.425 3.316 15.667 420 54.757 2.896 124.124 6.221 118.612 5.851 4.813 338 699 32 11.507 219 188 14 0 11.305 219 206.056 9.755

Jul 70.061 3.238 15.729 406 54.332 2.832 123.291 6.548 117.948 6.180 4.643 336 700 32 11.491 224 184 14 0 11.293 224 204.843 10.010

Ags

Sep

Okt

Nov

Des

70.992 3.329 15.676 393 55.316 2.936 123.550 6.472 118.317 6.128 4.527 313 705 32 11.332 206 179 14 0 11.139 206 205.874 10.007

72.271 3.353 15.144 378 57.128 2.975 124.551 6.310 119.396 5.989 4.433 290 722 31 11.321 188 175 22 0 11.124 188 208.143 9.851

72.347 3.308 14.925 368 57.422 2.940 124.386 6.302 119.456 6.001 4.202 280 728 21 11.035 241 169 22 0 10.843 241 207.768 9.852

73.072 3.257 14.680 351 58.391 2.906 125.107 6.302 120.333 6.075 4.028 205 746 21 10.945 193 165 22 0 10.758 193 209.124 9.752

75.533 3.414 14.820 323 60.713 3.091 126.832 5.643 122.111 5.502 3.951 121 770 20 10.631 191 160 8 10.463 191 212.996 9.248

Jan 74.107 3.913 14.469 339 59.638 3.574 126.761 6.169 122.287 6.014 3.706 136 769 19 10.353 182 155 22 10.176 182 211.221 10.264

Feb 75.112 3.970 14.268 383 60.845 3.587 126.352 6.326 122.042 6.171 3.534 134 775 21 10.107 181 150 22 9.935 181 211.571 10.477

1. Profit Sharing Financing NPF a. Mudharabah NPF b. Musyarakah NPF c. Other Profit Sharing Financing NPF 2. Receivables/Acceptables NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Ijarah including Leasing receivables NPF a. Sindication Financing NPF b. Financing through Channeling NPF c. Financing through Executing NPF d. Other Ijarah NPF 4. Salam NPF Total Financing Total NPF

27




Tabel 11a. Pembiayaan dan NPF berdasarkan Jenis Akad - Bank Umum Syariah (Financing and Non Performance Financing based on type of Shar īah-compliant contract of Sharia Commercial Banks ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Kredit NPF

Nov

Des

Mar

Apr

Mei

49.729 3.590 8.608 444 41.061 3.137 60 9 96.779 4.616 90.989 4.347 5.636 250 154 19 1.895 25 235 1.659 25 148.403 8.231

48.753 3.035 8.424 383 40.278 2.640 51 11 97.276 4.274 91.867 4.040 5.256 218 153 17 1.916 11 231 1.685 11 147.944 7.320

49.108 3.013 7.968 279 41.104 2.718 35 16 96.309 5.059 91.367 4.740 4.798 293 144 26 1.720 6 204 1.516 6 147.136 8.078

49.834 2.841 8.037 280 41.773 2.548 24 14 95.710 4.813 91.074 4.481 4.491 306 146 26 1.701 6 199 1.502 6 147.245 7.659

50.342 2.927 8.041 280 42.300 2.647 1 95.975 5.120 91.532 4.770 4.299 324 144 26 1.704 10 193 1.511 10 148.021 8.057

Jun 52.470 2.783 8.566 228 43.904 2.556 96.546 4.883 92.223 4.531 4.182 327 142 24 1.693 10 188 1.504 10 150.709 7.676

Jul 51.871 2.712 8.583 220 43.288 2.492 95.531 5.180 91.378 4.831 4.014 326 140 24 1.657 10 184 1.473 10 149.059 7.903

Ags

Sep

Okt

52.285 2.794 8.477 216 43.809 2.578 95.402 5.112 91.371 4.785 3.892 303 138 23 1.600 10 179 1.421 10 149.287 7.915

53.516 2.813 8.367 206 45.149 2.607 96.090 4.939 92.146 4.637 3.808 280 136 22 1.551 10 175 1.377 10 151.157 7.763

53.184 2.764 8.214 200 44.970 2.564 95.691 4.981 91.992 4.698 3.573 269 126 14 1.515 9 169 1.346 9 150.389 7.754

Nov 53.495 2.723 8.003 184 45.492 2.539 95.801 5.005 92.289 4.798 3.388 193 124 14 1.571 9 165 -

1.407 9 150.867 7.737

Des 55.336 2.926 7.979 179 47.357 2.748 97.071 4.520 93.642 4.397 3.308 111 120 12 1.561 10 160 1.402 10 153.968 7.456

Jan 53.911 3.298 7.806 195 46.105 3.103 96.757 4.997 93.561 4.860 3.080 126 117 11 1.532 9 155 -

Feb 54.430 1. Profit Sharing Financing NPF 3.335 a. Mudharabah 7.613 NPF 228 b. Musyarakah 46.816 NPF 3.107 c. Other Profit Sharing Financing NPF 95.829 2. Receivables/Acceptables NPF 5.140 a. Murabahah 92.815 NPF 5.007 b. Qardh 2.897 NPF 122 c. Istishna' 116 NPF 11 1.494 3. Ijarah including Leasing receivables NPF 9 a. Sindication Financing 150 NPF b. Financing through Channeling -

NPF 1.377 9 152.200 8.304

c. Financing through Executing NPF d. Other Ijarah 1.344 NPF 9 4. Salam NPF Total Financing 151.752 8.484 Total NPF

28




Tabel 11b. Pembiayaan dan NPF berdasarkan Jenis Akad - Unit Usaha Syariah (Financing and Non Performance Financing based on type of Shar īah-compliant contract of Sharia Business Units ) Miliar Rp ( Billion IDR ) 2014

2015

2016

Indicator

Indikator Nov 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Kredit NPF

14.583 355 5.699 133 8.884 222 25.820 885 24.612 871 744 7 464 7 9.569 170 20 2 9.549 168 49.972 1.410

Des 14.988 339 5.930 135 9.058 204 26.693 817 25.504 804 708 7 480 6 9.705 156 19 2 9.686 154 51.385 1.312

Mar 16.750 484 6.168 207 10.582 277 27.159 920 25.991 904 661 9 507 7 9.666 168 18 2 9.649 166 53.576 1.572

Apr 17.226 490 6.351 195 10.875 295 27.301 967 26.136 950 647 9 518 8 9.753 195 14 0 9.739 195 54.281 1.652

Mei 18.597 482 6.865 192 11.732 291 27.419 965 26.245 948 640 10 534 8 9.857 202 14 0 9.843 202 55.873 1.650

Jun

Jul

17.954 533 7.101 192 10.853 341 27.578 1.338 26.389 1.320 632 10 557 8 9.815 208 14 0 9.801 208 55.347 2.079

18.190 526 7.146 186 11.044 341 27.760 1.368 26.569 1.350 630 10 561 8 9.834 213 14 0 9.820 213 55.784 2.107

Ags 18.707 534 7.200 177 11.507 357 28.148 1.361 26.946 1.343 635 10 567 8 9.732 197 14 0 9.718 197 56.586 2.092

Sep 18.755 539 6.776 171 11.979 368 28.461 1.370 27.250 1.352 625 10 586 9 9.769 178 0 22 0 9.747 178 56.986 2.088

Okt

Nov

19.164 544 6.711 168 12.452 377 28.695 1.321 27.464 1.303 629 11 602 8 9.520 232

19.577 534 6.678 167 12.899 367 29.307 1.297 28.044 1.278 640 12 622 8 9.374 184

22 0 9.497 232 57.379 2.098

22 0 9.352 184 58.257 2.015

Des 20.197 487 6.841 144 13.356 343 29.762 1.123 28.469 1.105 642 10 650 7 9.069 181 8 9.062 181 59.028 1.791

Jan 20.195 615 6.663 143 13.533 472 30.004 1.172 28.727 1.154 626 10 652 8 8.821 173 22 8.799 173 59.021 1.960

Feb 20.683 635 6.654 155 14.028 480 30.523 1.186 29.227 1.164 637 13 660 10 8.613 173 22 8.591 173 59.819 1.993

1. Profit Sharing Financing NPF a. Mudharabah NPF b. Musyarakah NPF c. Other Profit Sharing Financing NPF 2. Receivables/Acceptables NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Ijarah including Leasing receivables NPF a. Sindication Financing NPF b. Financing through Channeling NPF c. Financing through Executing NPF d. Other Ijarah NPF 4. Salam NPF Total Financing Total NPF

29




Tabel 12. Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Bank Umum Syariah dan Unit Usaha Syariah (Financing and Non Performance Financing based on type in Rupiah Currency of Shar īah-compliant contract of Sharia Commercial Banks and Sharia Business Units ) Miliar Rp ( Billion IDR ) Indikator 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Pembiayaan NPF

2014 Nov 60.867 3.696 13.972 578 46.835 3.110 60 9 116.350 5.395 109.355 5.112 6.378 258 618 26 9.041 105 228 20 2 8.794 103 186.259 9.196

2015 Des 60.466 3.176 14.094 519 46.320 2.646 51 11 117.481 4.928 110.885 4.680 5.963 225 633 23 9.257 105 223 19 2 9.016 103 187.204 8.209

Mar 60.820 3.392 13.858 486 46.927 2.890 35 16 116.846 5.753 110.862 5.418 5.334 302 651 33 9.231 126 197 18 2 9.017 124 186.897 9.271

Apr 61.938 3.244 14.108 475 47.807 2.756 24 14 116.459 5.630 110.800 5.281 4.995 315 664 34 9.366 153 192 14 0 9.160 153 187.764 9.027

Mei 63.251 3.207 14.621 472 48.629 2.735 1 116.831 5.813 111.278 5.446 4.875 334 678 33 9.398 166 186 14 0 9.197 166 189.480 9.186

Jun 65.418 3.210 15.380 420 50.038 2.790 117.693 5.684 112.203 5.314 4.792 338 699 32 9.387 174 181 14 0 9.192 174 192.498 9.067

Jul 64.962 3.139 15.438 406 49.524 2.733 116.845 5.984 111.509 5.616 4.636 336 700 32 9.431 182 176 14 0 9.241 182 191.238 9.305

2016 Ags 65.604 3.234 15.374 393 50.230 2.841 117.052 5.888 111.823 5.544 4.524 313 705 32 9.294 164 172 14 0 9.108 164 191.950 9.286

Sep 66.622 3.255 15.020 378 51.602 2.877 117.166 5.700 112.013 5.379 4.430 290 722 31 9.259 164 167 22 0 9.069 164 193.047 9.119

Okt 67.129 3.194 14.810 368 52.319 2.826 117.685 5.733 112.757 5.432 4.200 280 728 21 9.180 223 162 22 0 8.995 223 193.994 9.151

Nov 67.778 3.230 14.675 351 53.103 2.879 118.534 5.579 113.762 5.352 4.026 205 746 21 9.145 175 158 22 0 8.965 175 195.458 8.984

Des 70.146 3.391 14.815 323 55.331 3.068 120.324 4.959 115.605 4.818 3.948 121 770 20 8.972 171 153 8 8.812 171 199.442 8.521

Indicator

Jan

Feb

68.826 3.867 14.464 339 54.362 3.528 120.325 5.529 115.853 5.374 3.703 136 769 19 8.762 162 148 22

69.977 1. Profit Sharing Financing NPF 3.925 a. Mudharabah 14.264 NPF 383 b. Musyarakah 55.713 NPF 3.542 c. Other Profit Sharing Financing NPF 120.239 2. Receivables/Acceptables NPF 5.683 a. Murabahah 115.932 NPF 5.528 b. Qardh 3.532 NPF 134 c. Istishna' 775 NPF 21 8.614 3. Ijarah including Leasing receivables NPF 161 a. Sindication Financing 144 NPF b. Financing through Channeling 22

NPF 8.592 162 197.913 9.557

c. Financing through Executing NPF d. Other Ijarah 8.448 NPF 161 4. Salam NPF Total Financing 198.830 Total NPF 9.769

30




Tabel 12a. Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Bank Umum Syariah (Financing and Non Performance Financing based on type in Rupiah Currency of Shar īah-compliant contract of Sharia Commercial Banks ) Miliar Rp ( Billion IDR ) Indikator 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Pembiayaan NPF

2014 Nov 47.772 3.341 8.529 444 39.183 2.888 60 9 91.089 4.542 85.302 4.272 5.634 250 154 19 1.512 25 228 1.284 25 140.373 7.908

2015 Des 46.976 2.837 8.424 383 38.501 2.442 51 11 91.479 4.143 86.072 3.908 5.254 218 153 17 1.539 11 223 1.316 11 139.993 6.991

Mar 47.100 2.908 7.968 279 39.097 2.613 35 16 90.397 4.868 85.580 4.549 4.672 293 144 26 1.450 6 197 1.253 6 138.947 7.782

Apr 47.822 2.754 8.037 280 39.761 2.461 24 14 89.861 4.696 85.367 4.364 4.348 306 146 26 1.448 6 192 1.256 6 139.131 7.456

Mei 48.298 2.724 8.041 280 40.255 2.444 1 90.125 4.883 85.745 4.533 4.236 324 144 26 1.428 10 186 1.241 10 139.850 7.617

Jun 49.793 2.677 8.566 228 41.227 2.450 90.784 4.769 86.482 4.417 4.160 327 142 24 1.438 10 181 1.257 10 142.016 7.457

Jul 49.174 2.613 8.583 220 40.591 2.392 89.795 5.045 85.649 4.696 4.006 326 140 24 1.427 10 176 1.250 10 140.395 7.668

2016 Ags 49.456 2.700 8.477 216 40.979 2.484 89.584 4.973 85.557 4.647 3.889 303 138 23 1.386 10 172 1.214 10 140.426 7.683

Sep 50.354 2.715 8.367 206 41.986 2.509 89.419 4.795 85.477 4.492 3.806 280 136 22 1.367 10 167 1.200 10 141.139 7.520

Okt 50.323 2.650 8.214 200 42.110 2.450 89.655 4.846 85.958 4.563 3.570 269 126 14 1.348 9 162 1.186 9 141.326 7.505

Nov 50.550 2.696 8.003 184 42.548 2.512 89.938 4.721 86.428 4.514 3.386 193 124 14 1.358 9 158 1.200 9 141.846 7.426

Des

Jan

52.398 2.903 7.979 179 44.419 2.725 91.216 4.238 87.789 4.115 3.306 111 120 12 1.368 10 153 -

51.075 3.252 7.806 195 43.269 3.057 90.960 4.758 87.765 4.621 3.077 126 117 11 1.342 9 148 -

1.215 10 144.981 7.151

1.194 9 143.377 8.019

Feb

Indicator

51.707 1. Profit Sharing Financing NPF 3.290 a. Mudharabah 7.613 NPF 228 b. Musyarakah 44.093 NPF 3.062 c. Other Profit Sharing Financing NPF 90.319 2. Receivables/Acceptables NPF 4.883 a. Murabahah 87.308 NPF 4.750 b. Qardh 2.895 NPF 122 c. Istishna' 116 NPF 11 1.314 3. Ijarah including Leasing receivables NPF 9 a. Sindication Financing 144 NPF -

b. Financing through Channeling NPF c. Financing through Executing NPF d. Other Ijarah 1.170 NPF 9 4. Salam NPF Total Financing 143.340 Total NPF 8.182

31




Tabel 12b. Pembiayaan dan NPF berdasarkan Jenis Akad dalam Mata Uang Rupiah - Unit Usaha Syariah (Financing and Non Performance Financing based on type in Rupiah Currency of Shar īah-compliant contract of Sharia Business Units ) Miliar Rp ( Billion IDR ) Indikator 1. Pembiayaan Bagi Hasil NPF a. Mudharabah NPF b. Musyarakah NPF c. Pembiayaan Bagi Hasil Lainnya NPF 2. Piutang NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Pembiayaan Sewa (Ijarah) NPF a. Pembiayaan Sindikasi NPF b. Pembiayaan secara Channeling NPF c. Pembiayaan secara Executing NPF d. Pembiayaan Sewa Lainnya NPF 4. Salam NPF Total Pembiayaan NPF

2014 Nov 13.095 355 5.443 133 7.652 222 25.261 853 24.053 839 744 7 464 7 7.530 80 20 2 7.510 78 45.886 1.289

2015 Des 13.490 339 5.670 135 7.820 204 26.002 785 24.813 771 708 7 480 6 7.718 94 19 2 7.700 92 47.211 1.218

Mar 13.719 484 5.889 207 7.830 277 26.450 885 25.281 870 661 9 507 7 7.781 120 18 2 7.763 118 47.950 1.489

Apr 14.116 490 6.071 195 8.045 295 26.598 933 25.433 916 647 9 518 8 7.919 148 14 0 7.904 148 48.633 1.571

Mei 14.954 482 6.580 192 8.374 291 26.706 931 25.533 914 640 10 534 8 7.970 156 14 0 7.956 156 49.630 1.569

Jun

Jul

15.624 533 6.814 192 8.811 341 26.909 914 25.720 896 632 10 557 8 7.949 164 14 0 7.935 164 50.482 1.611

15.788 526 6.855 186 8.933 341 27.050 939 25.860 920 630 10 561 8 8.005 172 14 0 7.991 172 50.843 1.637

2016 Ags 16.149 534 6.898 177 9.251 357 27.468 915 26.266 897 635 10 567 8 7.908 154 14 0 7.894 154 51.524 1.604

Sep

Okt

16.268 539 6.653 171 9.616 368 27.747 906 26.536 887 625 10 586 9 7.892 154 0 22 0 7.869 154 51.907 1.599

16.806 544 6.596 168 10.210 377 28.030 887 26.799 869 629 11 602 8 7.832 215 22 0 7.810 215 52.668 1.646

Nov 17.228 534 6.672 167 10.555 367 28.597 858 27.334 839 640 12 622 8 7.788 166 22 0 7.765 166 53.612 1.558

Des 17.748 487 6.836 144 10.912 343 29.108 721 27.816 704 642 10 650 7 7.605 161 0 8 0 7.597 161

54.461 1.370

Jan

Feb

17.751 615 6.658 143 11.092 472 29.365 771 28.087 753 626 10 652 8 7.420 153 0 22 0 7.398 153 54.535 1.538

18.270 635 6.651 155 11.619 480 29.920 799 28.624 777 637 13 660 10 7.300 152 22 0 7.278 152 55.490 1.586

Indicator 1. Profit Sharing Financing NPF a. Mudharabah NPF b. Musyarakah NPF c. Other Profit Sharing Financing NPF 2. Receivables/Acceptables NPF a. Murabahah NPF b. Qardh NPF c. Istishna' NPF 3. Ijarah including Leasing receivables NPF a. Sindication Financing NPF b. Financing through Channeling NPF c. Financing through Executing NPF d. Other Ijarah NPF 4. Salam NPF Total Financing Total NPF

32



Tabel 13. Pembiayaan dan NPF berdasarkan Jenis Penggunaan dan Kategori Usaha - Bank Umum Syariah dan Unit Usaha Syariah (Financing and Non Performance Financing based on Type of Usage and Business Category of Sharia Commercial Bank and Sharia Business Unit Bank ) Miliar Rp (Billion IDR) Jenis Penggunaan dan Kategori Usaha 1. Modal Kerja a. UMKM

2014

2015

2016

Type of Usage and Debtor Group Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

78.210 39.826

77.935 40.205

77.598 36.706

78.745 34.644

80.099 32.190

80.497 32.828

79.964 30.691

80.048 27.730

81.062 31.359

80.167 30.306

80.108 30.475

79.949 33.382

78.288 32.018

78.186 31.716

2.854 38.385

2.839 37.729

2.744 40.892

2.606 44.101

2.765 47.909

2.595 47.669

2.781 49.272

2.137 52.318

2.809 49.704

2.532 49.861

2.413 49.633

2.275 46.567

2.477 46.270

2.479 46.470

2.600 40.348 19.323

1.904 41.718 19.600

1.947 44.242 20.497

1.868 43.986 20.168

2.112 44.628 19.412

2.382 45.754 19.964

2.379 45.695 19.382

3.019 46.262 14.008

2.322 47.523 15.066

2.330 47.331 15.751

2.366 48.428 16.323

2.643 51.690 16.909

3.047 51.845 17.101

2.981 51.531 17.002

1.128 21.026

1.037 22.118

1.383 23.744

1.398 23.818

1.385 25.216

1.387 25.790

1.393 26.313

907 32.254

1.095 32.456

1.168 31.580

1.153 32.105

1.136 34.781

1.287 34.744

1.374 34.529

899 79.817

818 79.677

1.252 78.873

1.046 78.795

1.127 79.167

1.044 79.805

1.079 79.184

1.582 79.564

1.311 79.558

1.517 80.270

1.609 80.588

1.189 81.357

1.248 81.088

1.323 81.854

2.161 2.035 2.325 2.394 2.318 Total Pembiayaan 198.376 199.330 200.712 201.526 203.894 Total NPF 9.642 8.632 9.650 9.312 9.707 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 4.23 dan SPS Tabel 20 serta Tabel 28

2.346 206.056 9.755

2.378 204.843 10.010

2.362 205.874 10.007

2.314 208.143 9.851

2.304 207.768 9.852

2.210 209.124 9.752

2.005 212.996 9.248

2.204 211.221 10.264

2.320 211.571 10.477

NPF b. Bukan UMKM

NPF 2. Investasi a. UMKM

NPF b. Bukan UMKM

NPF 3. Konsumsi (Bukan UMKM)

NPF

1. Working Capital a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 2. Investment a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 3. Consumption (Non Micro, Small and Medium Enterprise) NPF

Total Financing Total NPF Note: r) Revised figures, based on LSMK start on June 2014 and published on October 2014 in Indonesia Banking Statistics (SPI) Table 4.23 and Sharia Banking Statistic (SPS) Table 20 and Table 28

33



Tabel 13a. Pembiayaan berdasarkan Jenis Penggunaan dan Kategori Usaha - Bank Umum Syariah (Financing based on Type of Usage and Business Category of Sharia Commercial Bank and Sharia Business Unit Bank ) Miliar Rp (Billion IDR) Jenis Penggunaan dan Kategori Usaha 1. Modal Kerja a. UMKM

NPF b. Bukan UMKM


NPF b. Bukan UMKM


NPF Total Pembiayaan Total NPF

2014

2015

2016


Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

63.446 33.402

62.634 33.904

60.613 30.526

61.482 30.826

62.163 28.367

63.558 28.945

62.983 26.891

62.957 23.924

64.048 27.494

63.011 26.424

62.767 26.560

63.640 26.650

62.233 25.545

61.765 25.290

2.455 30.044

2.446 28.730

2.233 30.087

2.254 30.656

2.404 33.796

2.224 34.612

2.404 36.092

1.745 39.032

2.406 36.554

2.125 36.587

2.000 36.208

1.808 36.990

2.007 36.688

2.002 36.475

2.432 31.705 16.657

1.735 32.591 16.849

1.722 35.161 17.797

1.481 34.795 17.672

1.725 34.972 17.143

1.568 36.053 17.674

1.583 35.780 17.109

2.228 36.050 11.738

1.532 37.162 12.791

1.566 37.164 12.929

1.616 38.145 14.130

2.076 40.239 14.228

2.385 40.505 14.072

2.320 40.425 14.046

1.004 15.048

946 15.741

1.235 17.364

1.219 17.123

1.227 17.829

1.222 18.379

1.219 18.670

723 24.312

936 24.370

1.001 24.235

998 24.014

977 26.011

1.103 26.433

1.180 26.379

671 53.252

584 52.720

1.038 51.362

821 50.969

881 50.887

794 51.099

822 50.296

1.352 50.280

1.081 49.947

1.246 50.214

1.396 49.955

1.060 50.089

1.136 49.462

1.210 49.562

1.670 148.403 8.231

1.609 147.944 7.320

1.850 147.136 8.078

1.885 147.245 7.659

1.820 148.021 8.057

1.868 150.709 7.676

1.875 149.059 7.903

1.868 149.287 7.915

1.808 151.157 7.763

1.815 150.389 7.754

1.726 150.867 7.737

1.534 153.968 7.456

1.672 152.200 8.304

1.772 151.752 8.484

1. Working Capital a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 2. Investment a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 3. Consumption (Non Micro, Small and Medium Enterprise) NPF Total Financing Total NPF

34



Tabel 13b. Pembiayaan berdasarkan Jenis Penggunaan dan Kategori Usaha - Unit Usaha Syariah (Financing based on Type of Usage and Business Category of Sharia Commercial Bank and Sharia Business Unit Bank ) Miliar Rp ( Billion IDR ) Jenis Penggunaan dan Kategori Usaha 1. Modal Kerja a. UMKM

NPF b. Bukan UMKM


NPF b. Bukan UMKM


NPF Total Pembiayaan Total NPF

2014

2015

2016


Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

14.764 6.424

15.301 6.301

16.985 6.180

17.263 3.818

17.936 3.823

16.940 3.883

16.980 3.800

17.091 3.806

17.014 3.864

17.156 3.882

17.341 3.916

16.309 6.732

16.054 6.473

16.421 6.426

400 8.340

393 9.000

511 10.805

351 13.445

361 14.113

371 13.057

377 13.180

392 13.286

403 13.150

407 13.274

413 13.425

466 9.577

469 9.581

477 9.995

168 8.643 2.666

169 9.128 2.751

224 9.080 2.701

387 9.191 2.496

387 9.656 2.270

814 9.701 2.290

796 9.916 2.273

791 10.212 2.271

790 10.361 2.275

764 10.167 2.822

750 10.283 2.192

567 11.452 2.682

662 11.340 3.029

661 11.106 2.956

124 5.977

90 6.377

148 6.380

179 6.695

158 7.387

165 7.411

173 7.642

184 7.941

158 8.086

167 7.345

155 8.091

159 8.770

184 8.311

194 8.150

228 26.565

234 26.957

213 27.511

225 27.827

246 28.281

250 28.706

257 28.888

230 29.283

230 29.611

271 30.056

213 30.633

129 31.268

112 31.626

113 32.291

491 49.972 1.411

426 51.385 1.312

474 53.576 1.572

510 54.281 1.652

497 55.873 1.650

478 55.347 2.079

504 55.784 2.107

494 56.586 2.092

506 56.986 2.088

489 57.379 2.098

484 58.257 2.015

471 59.028 1.791

532 59.021 1.960

548 59.819 1.993

1. Working Capital a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 2. Investment a. Micro, Small and Medium Enterprise NPF b. Non Micro, Small and Medium Enterprise NPF 3. Consumption (Non Micro, Small and Medium Enterprise) NPF Total Financing Total NPF

35



Tabel 14. Pembiayaan dan NPF - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Pembiayaan (Financing and Non Performing Finance of Sharia Commercial Bank and Sharia Business Unit Based on Business Sector and non Business Sector of Credit Beneficiary ) Miliar Rp ( Billion IDR ) Penerima Pembiayaan Lapangan Usaha

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Financing by Industrial Origin

Feb

Pertanian, Perburuan dan Kehutanan NPF Perikanan NPF Pertambangan dan Penggalian NPF Industri Pengolahan NPF Listrik, gas dan air NPF Konstruksi NPF Perdagangan Besar dan Eceran NPF Penyediaan akomodasi dan penyediaan makan minum NPF Transportasi, pergudangan dan komunikasi

4.794 391 722 9 4.852 600 13.567 681 5.370 366 12.007 1.004 22.479 1.633 1.336

4.965 395 714 8 4.597 439 13.300 524 5.492 395 11.669 854 22.732 1.451 1.555

5.592 453 923 17 4.660 496 14.804 630 5.668 395 11.567 878 24.041 1.505 1.528

5.625 455 928 18 5.165 463 14.475 627 5.655 370 11.465 770 24.955 1.514 1.521

6.227 467 1.001 19 5.177 550 14.888 781 5.828 351 11.591 773 25.121 1.685 1.690

6.889 461 914 19 5.019 456 15.319 645 5.912 759 12.060 753 25.638 1.749 1.728

6.779 459 936 22 4.650 443 15.723 657 5.870 808 11.983 785 25.074 1.772 1.773

7.132 491 1.039 23 4.753 393 15.412 615 5.864 824 12.138 802 25.077 1.825 1.876

7.204 488 1.039 26 5.555 405 16.261 632 6.448 876 11.865 782 25.055 1.940 2.010

7.020 486 1.088 28 5.245 376 16.081 611 6.166 709 11.918 749 25.458 2.099 2.030

6.941 448 1.146 28 5.255 444 16.949 697 6.396 843 11.168 845 25.564 1.913 1.916

7.950 431 1.198 24 6.145 422 17.982 876 6.427 835 11.193 576 25.993 2.135 2.101

7.912 451 1.212 35 6.377 445 17.808 991 6.654 950 10.816 625 26.264 2.447 2.178

7.839 460 1.242 30 6.289 447 17.654 978 6.619 825 10.868 650 26.652 2.566 2.365

57 11.954

85 12.192

87 14.193

89 14.105

92 13.967

96 12.531

98 12.713

120 12.751

110 12.708

103 12.180

101 12.283

94 11.072

75 10.896

80 10.934

NPF Perantara Keuangan NPF Real Estate, Usaha Persewaan, dan Jasa Perusahaan NPF Admistrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib NPF Jasa Pendidikan NPF Jasa Kesehatan dan Kegiatan Sosial NPF Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan lainnya

934 16.826 541 7.544

837 16.828 432 7.643

1.102 16.907 287 7.954

960 16.966 286 8.266

1.001 17.079 286 8.706

869 17.725 246 8.903

970 17.888 247 9.111

969 18.225 300 9.166

728 18.652 279 8.748

840 18.773 285 8.963

718 19.124 268 9.361

515 19.184 213 9.365

648 18.651 220 9.237

682 18.266 267 8.949

390 86

302 85

467 28

485 27

506 25

519 25

550 25

515 25

515 24

596 40

565 17

474 266

496 264

487 263

2 2.243 15 1.759 50 6.816

3 2.319 15 1.756 59 6.757

3 2.524 20 1.971 70 6.809

3 2.576 22 2.028 72 6.381

3 2.642 24 2.065 76 6.163

2 2.739 29 2.156 77 6.145

2 2.838 24 2.218 71 5.431

2 2.865 21 2.258 63 5.245

3 2.883 21 2.339 65 5.308

13 3.002 38 2.411 63 4.713

3 3.071 43 2.436 64 4.515

2 3.193 69 2.550 61 4.600

2 3.149 61 2.527 64 4.168

2 3.172 48 2.523 66 4.134

531 93

508 106

625 150

530 165

529 180

491 199

477 208

467 222

460 238

346 244

363 256

287 274

321 281

NPF Jasa Perorangan yang Melayani Rumah Tangga

Agricultures, Hunting and Forestry NPF Fisher NPF Mining and Quarrying NPF Procesing Industry NPF Electricity, Gas and Water NPF Construction NPF Wholesale and Retail Trade NPF Provision of accomodation and the provision of eating and drinking NPF Transportation, Warehousing and Communications NPF Financial intermediaries NPF Real Estate, Business, Ownership, and Business Services NPF Government administration, Defese and Compulsory social security NPF Education Services NPF Health Services and Social Activities NPF Community, Sociocultural,Entertainment and Other Individual Services

343 NPF 289 Individual Services which

Serve Households NPF Badan Internasional dan Badan Ekstra Internasional Lainnya NPF Kegiatan yang belum jelas batasannya

1

-

0 -

1 0

1 0

2 1

2 0

2 0

3 0

3 0

4 0

6 0

3 0

6 0

6.112

6.944

2.518

2.428

2.379

2.348

2.438

2.263

0 2.246

0 2.167

0 2.138

0 2.147

0 1.738

275

289

290

252

246

236

245

211

204

202

194

224

222

4 NPF 0 International Agency and Other Extra

Agency International 0 NPF 1.658 Business Activities which are not clearly

defined NPF

222 NPF

Non Industrial Origin

Penerima Pembiayaan Bukan Lapangan Usaha

Rumah Tangga Untuk Pemilikan Rumah Tinggal NPF Untuk Pemilikan Flat atau Apartemen NPF Untuk Pemilikan Ruko atau Rukan NPF Untuk Pemilikan Kendaraan Bermotor NPF Untuk Pemilikan Peralatan Rumah Tangga Lainnya (termasuk multiguna) NPF

38.526 1.162 1.186 30 1.918 85 7.678 104 21.787

39.221 1.051 1.174 32 1.945 83 6.942 97 21.743

39.954 1.128 1.264 32 2.105 97 6.027 88 20.878

719 661 854 8.722 8.653 8.646 60 112 126 Total Pembiayaan 198.376 199.330 200.712 Total NPF 9.642 8.632 9.650 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPS Tabel 22, 24, 26, 30 dan 32

Bukan Lapangan Usaha Lainnya NPF

40.579 1.167 1.267 30 2.131 93 5.836 82 20.707

41.063 1.148 1.266 28 2.157 93 5.693 83 20.724

41.647 1.165 1.282 30 2.228 103 5.767 77 20.735

41.952 1.189 1.284 25 2.284 108 5.559 76 20.513

42.424 1.182 1.252 26 2.256 106 5.705 74 20.436

42.526 1.167 1.298 22 2.328 112 8.060 116 20.304

42.319 1.150 1.486 33 2.206 86 8.344 123 20.943

42.757 1.158 1.467 32 2.211 93 8.680 130 20.977

43.413 1.088 1.446 30 2.236 72 8.971 131 20.974

43.692 1.163 1.336 27 2.302 91 9.256 171 20.813

892 8.276 131 201.526 9.312

797 8.265 169 203.894 9.707

796 8.147 174 206.056 9.755

809 7.591 171 204.843 10.010

772 7.490 202 205.874 10.007

730 5.041 167 208.143 9.851

751 4.971 161 207.768 9.852

648 4.497 149 209.124 9.752

536 4.318 149 212.996 9.248

592 3.689 161 211.221 10.264

44.159 1.269 1.332 37 2.339 104 7.298 89 20.878

Households For Home Ownership NPF For Apartement Ownership NPF For Shop House Ownership NPF For Vehicles Ownership NPF Others

612 NPF 5.848 Non Industrial Origin - Others 209 NPF 211.571 Total Financing 10.477 Total NPF

Note: r) Revised figures, based on LSMK start on June 2014 and published on October 2014 in Sharia Banking Statistic (SPS) Table 22, 24, 26, 30 and 32

36



Tabel 14a. Pembiayaan berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Pembiayaan - Bank Umum Syariah ( Financing of Sharia Commercial Bank Based on Business Sector and non Business Sector of Credit Beneficiary ) Miliar Rp ( Billion IDR ) Penerima Pembiayaan Lapangan Usaha

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan


Feb


4.237 355 452 5 4.231 466 11.049 523 4.973 359 8.985 881 19.143 1.506 1.052

4.210 360 447 5 4.032 330 10.632 381 5.091 388 8.607 737 19.203 1.311 1.252

4.806 399 696 13 4.161 398 12.017 472 5.269 388 8.571 737 20.391 1.326 1.186

4.847 397 716 12 4.673 366 11.623 467 5.259 363 8.417 625 21.164 1.326 1.167

5.064 407 786 13 4.706 452 11.857 616 5.431 342 8.449 636 21.393 1.493 1.352

5.624 397 699 14 4.545 359 12.264 479 5.497 362 8.773 612 21.883 1.507 1.390

5.559 392 722 16 4.194 348 12.644 485 5.446 407 8.749 645 21.376 1.521 1.427

5.875 420 821 18 4.306 297 12.397 446 5.429 405 8.871 663 21.182 1.573 1.473

5.952 407 823 17 5.074 316 13.104 509 5.992 440 8.502 641 21.242 1.682 1.606

5.787 407 885 18 4.810 297 13.050 484 5.738 300 8.525 586 21.521 1.785 1.619

5.665 364 943 19 4.839 364 13.721 562 5.964 431 7.705 697 21.597 1.645 1.507

6.546 350 997 16 4.813 377 14.401 767 5.997 424 7.691 446 22.173 1.915 1.682

6.510 364 1.012 26 4.941 400 14.304 880 6.221 540 7.209 482 22.529 2.116 1.710

6.478 369 1.048 21 4.886 401 14.166 867 6.201 430 7.256 505 22.878 2.218 1.740

38 9.225

53 9.399

45 10.089

44 10.062

47 9.794

50 9.949

51 10.065

72 10.125

50 10.021

52 9.594

49 9.675

49 9.654

49 9.547

55 9.396


826 11.532 496 5.473

732 11.372 389 5.440

963 11.212 247 5.744

789 11.127 247 5.995

834 11.122 248 6.091

702 11.630 208 6.237

805 11.729 205 6.113

829 11.830 261 6.220

592 11.852 241 6.484

704 11.717 239 6.768

611 12.003 223 7.260

459 11.944 179 7.364

598 11.437 187 7.328

633 11.067 223 7.150

325 86

240 85

406 28

419 26

434 25

432 25

462 25

419 24

428 24

516 40

484 17

390 266

411 264

402 263

2 1.975 15 1.540 44 5.467

3 2.055 14 1.533 52 5.434

3 2.263 19 1.706 54 5.609

3 2.318 21 1.762 57 5.161

3 2.377 23 1.797 56 5.003

2 2.468 28 1.836 57 4.960

2 2.571 22 1.903 54 4.317

2 2.603 19 1.949 51 4.150

3 2.607 19 1.998 55 4.234

13 2.719 36 2.065 51 3.719

3 2.761 41 2.091 53 3.557

2 2.883 68 2.202 50 3.664

2 2.832 60 2.186 50 3.282

2 2.861 47 2.185 52 3.262

454 90

433 104

476 148

394 163

394 178

371 197

374 206

363 220

351 236

249 241

272 252

209 271

246 278

267 285

NPF Jasa Perorangan yang Melayani Rumah Tangga NPF Badan Internasional dan Badan Ekstra Internasional Lainnya NPF Kegiatan yang belum jelas batasannya NPF

1

-

0 -

1 0

1 0

1 0

2 0

2 0

3 0

3 0

4 0

6 0

3 0

6 0

4 0

5.640

6.331

1.878

1.798

1.709

1.634

1.717

1.531

0 1.458

0 1.378

0 1.355

0 1.331

0 1.148

0 1.067

266

282

281

243

237

227

236

206

200

197

187

218

215

214



Rumah Tangga Untuk Pemilikan Rumah Tinggal NPF Untuk Pemilikan Flat atau Apartemen NPF Untuk Pemilikan Ruko atau Rukan NPF Untuk Pemilikan Kendaraan Bermotor NPF Untuk Pemilikan Peralatan Rumah Tangga Lainnya (termasuk pinjaman multiguna) NPF

Bukan Lapangan Usaha Lainnya NPF Total Pembiayaan Total NPF

Agricultures, Hunting and Forestry NPF Fisher NPF Mining and Quarrying NPF Procesing Industry NPF Electricity, Gas and Water NPF Construction NPF Wholesale and Retail Trade NPF Provision of accomodation and the provision of eating and drinking NPF Transportation, Warehousing and Communications NPF Financial intermediaries NPF Real Estate, Business, Ownership, and Business Services NPF Government administration, Defese and Compulsory social security NPF Education Services NPF Health Services and Social Activities NPF Community, Sociocultural,Entertainment and Other Individual Services NPF Individual Services which Serve Households NPF International Agency and Other Extra Agency International NPF Business Activities which are not clearly defined NPF

22.383 798 539 28 1.431 63 5.598 87 18.674

22.654 739 536 30 1.440 65 5.038 83 18.571

23.084 768 628 30 1.528 73 4.310 72 17.395

23.308 793 627 28 1.548 75 4.130 68 17.073

23.510 781 622 26 1.537 75 3.924 69 16.973

23.784 815 624 25 1.566 84 3.979 67 16.834

23.888 822 628 24 1.597 86 3.820 66 16.549

24.055 805 633 25 1.586 86 3.929 64 16.367

24.188 795 627 20 1.600 86 3.977 73 16.082

23.615 787 815 31 1.449 62 4.167 83 16.747

23.864 802 809 30 1.449 68 4.330 93 16.525

24.120 742 774 27 1.447 53 4.508 85 16.428

24.179 781 756 21 1.446 66 4.626 114 16.219

679 4.625 16 148.403 8.231

626 4.482 66 147.944 7.320

817 4.416 90 147.136 8.078

848 4.283 73 147.245 7.659

751 4.319 117 148.021 8.057

756 4.312 122 150.709 7.676

766 3.813 112 149.059 7.903

733 3.710 155 149.287 7.915

689 3.473 145 151.157 7.763

714 3.421 139 150.389 7.754

607 2.978 127 150.867 7.737

498 2.812 128 153.968 7.456

549 2.235 141 152.200 8.304

24.385 876 752 31 1.442 72 4.660 59 16.135



37



Tabel 14b. Pembiayaan berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Pembiayaan - Unit Usaha Syariah (Financing of Sharia Business Unit Based on Business Sector and non Business Sector of Credit Beneficiary ) Miliar Rp ( Billion IDR ) 2014 Penerima Pembiayaan Lapangan Usaha

Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan


Feb


557 36 270 4 620 135 2.517 157 397 7 3.022 123 3.336 127 285

755 36 267 4 566 109 2.668 143 401 7 3.062 117 3.529 140 303

786 55 227 5 500 98 2.787 158 399 7 2.996 141 3.650 179 343

778 58 213 5 492 97 2.852 160 396 7 3.047 145 3.791 188 355

1.163 60 215 6 471 97 3.031 165 397 9 3.142 137 3.728 192 337

1.264 64 215 5 475 97 3.056 166 415 398 3.287 141 3.755 242 338

1.219 67 214 5 456 95 3.079 172 424 401 3.235 140 3.698 251 346

1.257 71 218 6 447 97 3.015 169 435 419 3.266 139 3.895 252 403

1.252 81 216 9 480 88 3.157 123 457 436 3.363 140 3.813 258 405

1.233 79 203 10 435 79 3.031 126 428 408 3.393 163 3.937 314 411

1.276 84 203 10 416 80 3.228 134 432 413 3.463 148 3.967 268 409

1.404 81 200 8 1.332 46 3.582 109 430 411 3.502 130 3.820 220 419

1.402 87 200 8 1.436 45 3.503 111 432 410 3.607 143 3.735 331 468

1.360 91 195 8 1.403 46 3.488 111 417 395 3.612 145 3.774 348 625

19 2.729

32 2.793

42 4.104

44 4.043

45 4.172

46 2.582

47 2.648

48 2.626

60 2.686

51 2.587

51 2.608

44 1.418

26 1.349

25 1.538


108 5.294 44 2.071

105 5.456 43 2.203

140 5.695 39 2.210

171 5.840 39 2.271

166 5.958 39 2.614

167 6.095 38 2.665

165 6.158 42 2.997

139 6.395 39 2.946

136 6.800 38 2.264

137 7.055 46 2.195

108 7.121 45 2.101

56 7.240 34 2.001

51 7.214 33 1.909

49 7.199 44 1.799

65 0

62 0

61 0

66 0

72 0

87 0

88 0

97 0

87 0

81 0

81 0

85 0

85 0

85 0

269 0 218 6 1.349

264 1 223 6 1.323

261 1 266 15 1.200

258 1 266 15 1.221

265 1 268 20 1.161

271 1 320 20 1.186

267 2 315 17 1.114

261 2 309 12 1.094

276 2 341 11 1.074

283 2 346 12 994

310 2 345 11 957

310 1 348 11 936

317 1 341 14 886

312 1 338 14 872

77 2

75 2

148 2

136 2

134 2

120 2

103 2

104 2

108 2

97 3

91 3

79 3

75 4

0 0

0 0

0 0

0 0

0 0

0 0

0 0

Agricultures, Hunting and Forestry NPF Fisher NPF Mining and Quarrying NPF Procesing Industry NPF Electricity, Gas and Water NPF Construction NPF Wholesale and Retail Trade NPF Provision of accomodation and the provision of eating and drinking NPF Transportation, Warehousing and Communications NPF Financial intermediaries NPF Real Estate, Business, Ownership, and Business Services NPF Government administration, Defese and Compulsory social security NPF Education Services NPF Health Services and Social Activities NPF Community, Sociocultural,Entertainment and Other Individual Services

NPF Jasa Perorangan yang Melayani Rumah Tangga

76 NPF 5 Individual Services which

Serve Households NPF Badan Internasional dan Badan Ekstra Internasional Lainnya NPF Kegiatan yang belum jelas batasannya NPF

-

-

-

-

472

613

640

630

670

714

722

732

788

789

9

7

8

9

9

9

8

5

5

5

0

0 NPF

0

-

-

783

815

590

7

6

8

International Agency and Other Extra Agency International NPF 591 Business Activities which are not clearly defined 8 NPF -



Rumah Tangga Untuk Pemilikan Rumah Tinggal NPF Untuk Pemilikan Flat atau Apartemen NPF Untuk Pemilikan Ruko atau Rukan NPF Untuk Pemilikan Kendaraan Bermotor NPF Untuk Pemilikan Peralatan Rumah Tangga Lainnya (termasuk pinjaman multiguna) NPF

Bukan Lapangan Usaha Lainnya NPF Total Pembiayaan Total NPF


16.143 364 646 3 487 22 2.079 17 3.113

16.567 312 638 2 505 17 1.904 14 3.172

16.869 360 635 2 577 23 1.717 16 3.483

17.271 373 640 2 582 18 1.706 14 3.634

17.552 366 644 2 619 18 1.768 14 3.750

17.862 350 658 5 662 20 1.787 10 3.902

18.064 368 656 1 687 22 1.739 10 3.965

18.369 377 620 1 670 21 1.776 10 4.069

18.338 372 671 2 728 26 4.084 43 4.222

18.704 363 671 2 756 24 4.178 41 4.196

18.892 356 658 2 762 25 4.350 37 4.452

19.292 346 672 3 789 18 4.463 46 4.546

19.513 382 580 6 856 25 4.630 57 4.593

19.774 393 580 6 897 32 2.638 30 4.743

40 4.097 45 49.972 1.411

35 4.171 45 51.385 1.312

37 4.230 36 53.576 1.572

44 3.992 58 54.281 1.652

46 3.946 52 55.873 1.650

41 3.835 52 55.347 2.079

43 3.777 60 55.784 2.107

39 3.780 47 56.586 2.092

42 1.568 22 56.986 2.088

37 1.551 22 57.379 2.098

41 1.519 22 58.257 2.015

38 1.505 21 59.028 1.791

43 1.454 20 59.021 1.960


38




Tabel 15. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah dan Unit Usaha Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp (Billion IDR ) Modal Kerja

Investasi

Konsumsi (Bukan UMKM)

Propinsi

UMKM Jawa Barat NPF Banten NPF DKI Jakarta NPF D.I Yogyakarta NPF Jawa Tengah NPF Jawa Timur NPF Bengkulu NPF Jambi NPF Aceh NPF Sumatera Utara NPF Sumatera Barat NPF Riau NPF Sumatera Selatan NPF Bangka Belitung NPF Kepulauan Riau NPF Lampung NPF Kalimantan Selatan NPF Kalimantan Barat NPF Kalimantan Timur NPF Kalimantan Tengah NPF

Bukan UMKM

UMKM

Bukan UMKM

Province

5.518 419 1.057 85 7.111 528 609 19 3.288 146 3.876 278 173 16 487 76 340 74 1.882 278 819 53 565 35 811 80 43 2 214 8 703 33 541 71 394 16 770

3.884 182 594 69 29.985 2.350 209 10 2.535 82 4.570 79 22 0 102 2 50 15 950 19 220 5 154 11 261 30 11 108 179 6 416 24 218 7 761

3.202 224 485 28 2.939 166 335 10 1.562 62 1.706 127 229 20 323 29 162 32 1.146 144 356 46 644 124 529 81 40 3 216 9 297 28 343 70 519 26 542

2.472 211 493 19 23.926 818 173 0 1.065 12 2.313 24 3 0 24 2 17 3 1.085 45 127 5 398 7 310 6 161 0 88 12 668 68 211 243

12.674 317 3.096 92 24.061 377 1.361 31 4.771 170 7.490 230 388 9 1.032 38 2.330 36 3.071 241 2.101 57 1.806 44 2.129 116 189 5 1.911 22 756 34 1.210 51 1.653 34 1.803

79

52

37

25

90

127

6

72

2

5

0

10

-

West Java NPF Banten NPF DKI Jakarta NPF DI Yogyakarta NPF Central Java NPF East Java NPF Bengkulu NPF Jambi NPF Nanggroe Aceh Darussalam NPF North Sumatera NPF West Sumatera NPF Riau NPF South Sumatera NPF Bangka Belitung NPF Riau Islands NPF Lampung NPF South Kalimantan NPF West Kalimantan NPF East Kalimantan

NPF 521 Central Kalimantan 21 NPF

39



Tabel 15. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah dan Unit Usaha Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp (Billion IDR ) Modal Kerja

Investasi


Propinsi

UMKM Sulawesi Tengah

Bukan UMKM 3

106

0

10

0

6

0

880

702

563

555

51

34

47

54

92

7

74

5

8

1

7

2

37

2

33

9

12

1

5

0

1

14

NPF Sulawesi Utara NPF Gorontalo NPF

7

Sulawesi Barat

2

NPF Sulawesi Tenggara

1

5 -

7

104

11

16

0

8

0

533

7

183

38

50

0

12

8

170

258

130

52

4

1

2

0

NPF Bali

-

159

NPF Nusa Tenggara Barat

Bukan UMKM

162

NPF Sulawesi Selatan

UMKM

NPF

58

Nusa Tenggara Timur

1

13

-

654 Central Sulawesi 20 NPF 2.995 South Sulawesi 54 NPF 251 North Sulawesi 32 NPF 224 Gorontalo 25 NPF 141 West Sulawesi 1 NPF 536 South East Sulawesi 33 NPF 1.187 West Nusa Tenggara 77 NPF 892 Bali 22 NPF 136 East Nusa Tenggara 15 NPF

NPF

6

-

Maluku

15

-

14

-

NPF

3

-

1

-

Papua

72

35

60

66

NPF

5

0

9

0

34

11

25

2

0

2

31

5

35

1

1

1

138

193

-

-

-

-

-

-

-

Total

31.716

46.470

17.002

34.529

81.854

Total

NPF

2.479

2.981

1.374

1.323

2.320

NPF

Maluku Utara NPF Papua Barat NPF Lainnya NPF

-

Province

-

65 Maluku 5 NPF 237 Papua 14 NPF

7

108 North Maluku 3 NPF

4

74 West Papua 5 NPF

-

0 Outside Indonesia NPF

40




Tabel 15a. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Milyar Rp (Billion IDR ) Propinsi

Jawa Barat NPF Banten NPF DKI Jakarta NPF D.I Yogyakarta NPF Jawa Tengah NPF Jawa Timur NPF Bengkulu NPF Jambi NPF Aceh NPF Sumatera Utara NPF Sumatera Barat NPF Riau NPF Sumatera Selatan NPF Bangka Belitung NPF Kepulauan Riau NPF Lampung NPF Kalimantan Selatan NPF Kalimantan Barat NPF Kalimantan Timur NPF Kalimantan Tengah NPF

Modal Kerja UMKM

Investasi Bukan UMKM

UMKM


Bukan UMKM

Province

4.747 383 751 78 6.004 473 434 14 2.609 128 2.926 233 172 15 480 75 316 63 965 106 641 38 406 28 554 60 42 2 170 7 700 33 383 52 280 16 484

3.620 175 456 69 22.708 1.735 163 10 2.357 76 4.005 75 6 0 11 2 22 6 485 15 36 0 94 9 261 30 11 101 177 5 306 17 218 7 378

2.951 217 439 28 1.905 131 268 8 1.145 59 1.425 120 229 20 322 29 150 31 887 126 299 34 517 66 451 77 40 3 199 9 297 28 271 49 503 26 479

2.130 200 472 19 19.085 773 82 0 820 3 1.090 9 3 0 24 2 12 1 450 40 93 1 287 4 230 3 160 0 81 11 454 60 197 217

9.861 272 2.493 89 10.856 232 811 27 3.158 152 4.598 191 387 9 868 37 635 31 1.446 93 1.080 50 912 35 1.016 59 139 4 997 19 727 32 670 36 1.067 34 1.067

33

51

35

25

60

127

6

72

2

5

0

10

-

West Java NPF Banten NPF DKI Jakarta NPF DI Yogyakarta NPF Central Java NPF East Java NPF Bengkulu NPF Jambi NPF Nanggroe Aceh Darussalam NPF North Sumatera NPF West Sumatera NPF Riau NPF South Sumatera NPF Bangka Belitung NPF Riau Islands NPF Lampung NPF South Kalimantan NPF West Kalimantan NPF East Kalimantan

NPF 521 Central Kalimantan 21 NPF

41



Tabel 15a. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Bank Umum Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Milyar Rp (Billion IDR ) Propinsi

Sulawesi Tengah

Modal Kerja UMKM

3

106

0

0

6

0

646

578

421

303

37

34

27

46

92

7

74

5

8

1

7

2

37

2

33

9

12

1

5

0

1

14

Sulawesi Utara NPF Gorontalo NPF

7

Sulawesi Barat

2

NPF

1

5 -

7

104

11

16

0

8

0

519

2

167

31

46

0

10

8

127

209

130

51

3

1

2

0

NPF Bali

-

159

NPF Nusa Tenggara Barat


Bukan UMKM

10

NPF

Sulawesi Tenggara

UMKM

162

NPF Sulawesi Selatan


NPF

58

Nusa Tenggara Timur

1

13

-

654 Central Sulawesi 20 NPF 2.063 South Sulawesi 39 NPF 251 North Sulawesi 32 NPF 224 Gorontalo 25 NPF 141 West Sulawesi 1 NPF 536 South East Sulawesi 33 NPF 902 West Nusa Tenggara 75 NPF 861 Bali 22 NPF 136 East Nusa Tenggara 15 NPF

NPF

6

-

Maluku

15

-

14

-

NPF

3

-

1

-

Papua

72

35

60

66

NPF

5

0

9

0

34

11

25

2

0

2

31

5

35

1

1

1

138

193

-

-

-

-

-

-

-

Total

25.290

36.475

14.046

26.379

49.562

Total

NPF

2.002

2.320

1.180

1.210

1.772

NPF

Maluku Utara NPF Papua Barat NPF Lainnya NPF

-

Province

-

65 Maluku 5 NPF 237 Papua 14 NPF

7

108 North Maluku 3 NPF

4

74 West Papua 5 NPF

-

0 Outside Indonesia NPF

42




Tabel 15b. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Unit Usaha Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Milyar Rp (Billion IDR ) Propinsi

Jawa Barat NPF Banten NPF DKI Jakarta NPF D.I Yogyakarta NPF Jawa Tengah NPF Jawa Timur NPF Bengkulu NPF Jambi NPF Aceh NPF Sumatera Utara NPF Sumatera Barat NPF Riau NPF Sumatera Selatan NPF Bangka Belitung NPF Kepulauan Riau NPF Lampung NPF Kalimantan Selatan NPF Kalimantan Barat NPF Kalimantan Timur

Modal Kerja UMKM

NPF

UMKM


Bukan UMKM

771 35 306 8 1.107 55 175 5 678 18 950 45 1 1 7 1 25 11 917 172 178 15 158 7 257 20 1 0 44 1 3 0 158 19 114 0 286

264 7 138 7.277 615 45 0 178 6 565 4 17 91 29 9 466 4 184 5 60 2 0 0 7 2 1 111 7 384

251 7 46 1 1.034 36 66 3 417 3 280 7 1 12 1 259 18 57 12 126 58 78 4 1 17 1 73 21 16 1 63

47

1

1

NPF Kalimantan Tengah


341 11 21 4.842 45 91 245 9 1.224 15 0 5 2 636 6 34 4 110 3 80 3 1 7 1 214 8 13 26

Province

2.813 45 603 3 13.205 144 551 4 1.613 18 2.891 38 1 165 2 1.695 5 1.625 148 1.021 7 895 9 1.112 57 50 0 914 3 29 2 539 14 585 0 736

-

31

-

-

-

-

-

-

-

-

-

-

West Java NPF Banten NPF DKI Jakarta NPF DI Yogyakarta NPF Central Java NPF East Java NPF Bengkulu NPF Jambi NPF Nanggroe Aceh Darussalam NPF North Sumatera NPF West Sumatera NPF Riau NPF South Sumatera NPF Bangka Belitung NPF Riau Islands NPF Lampung NPF South Kalimantan NPF West Kalimantan NPF East Kalimantan NPF Central Kalimantan NPF

43



Tabel 15b. Pembiayaan dan NPF berdasarkan Jenis Penggunaan, Golongan Debitur dan Lokasi Dati I Unit Usaha Syariah Penyalur Pembiayaan Posisi Bulan Februari 2016 (Financing and NPF based on Type of Usage, Debtors Groups and Region of Sharia Commercial Bank and Sharia Business Unit ) Milyar Rp (Billion IDR ) Propinsi

Sulawesi Tengah NPF Sulawesi Selatan

Modal Kerja UMKM


UMKM -

-

-

-

-

-

-

-

-

234

124

142

252

14

NPF Gorontalo NPF Sulawesi Barat NPF Sulawesi Tenggara

0

20

8

Central Sulawesi

NPF 932 South Sulawesi 15 NPF

-

-

-

-

-

-

-

-

-

-

NPF

-

-

-

-

-

Gorontalo

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NPF

Province

-

NPF Sulawesi Utara


Bukan UMKM

14

Nusa Tenggara Barat

3

NPF

1

NPF

17

-

43

Bali

6

2 49

7 -

-

-

NPF West Sulawesi NPF South East Sulawesi

NPF 284 West Nusa Tenggara 2 NPF

1

-

North Sulawesi

31 Bali 0 NPF

-

-

-

-

-

NPF

-

-

-

-

-

NPF

Maluku

-

-

-

-

-

Maluku

Nusa Tenggara Timur

East Nusa Tenggara

NPF

-

-

-

-

-

NPF

Papua

-

-

-

-

-

Papua

NPF

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NPF

-

-

-

-

-

Lainnya

-

-

-

-

-

Maluku Utara NPF Papua Barat

NPF North Maluku NPF West Papua NPF Outside Indonesia

-

-

-

-

-

Total

6.426

9.995

2.956

8.150

32.291

Total

NPF

477

661

194

113

548

NPF

NPF

NPF

44



DR )


Tabel 16. Pembiayaan dan NPF BUS dan UUS Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I Bank Penyalur Pembiayaan bulan Februari 2016 ( Financing and NPF of BUS and UUS to Non Banks Third Party Based on Business Sector and non Business Sector of Credit by Region - February 2016 ) Miliar Rp (Billion IDR) Lapangan Usaha

Lokasi

Jawa Barat NPF Banten NPF DKI Jakarta NPF D.I Yogyakarta NPF Jawa Tengah NPF Jawa Timur NPF Bengkulu NPF Jambi NPF Aceh NPF Sumatera Utara NPF Sumatera Barat NPF Riau NPF Sumatera Selatan NPF Bangka Belitung NPF Kepulauan Riau NPF Lampung NPF Kalimantan Selatan NPF Kalimantan Barat NPF Kalimantan Timur NPF Kalimantan Tengah NPF Sulawesi Tengah NPF Sulawesi Selatan NPF Sulawesi Utara NPF Gorontalo NPF Sulawesi Barat NPF Sulawesi Tenggara NPF Nusa Tenggara Barat NPF Bali NPF Nusa Tenggara Timur NPF Maluku NPF Papua NPF Maluku Utara NPF Papua Barat NPF Lainnya NPF Total NPF

Pertanian, perburuan dan Kehutanan

Perikanan

1

2

321 34 5 1 3.773 61 47 2 99 2 194 20 61 5 249 21 43 9 1.267 109 144 20 517 86 319 57 11 0 1 0 104 7 155 1 437 13 23 9 12 0 12 1 14 3 8 0 0 2 0 1 0 15 1 1 0 1 0 1 0 0 0 1 7.839 460

153 3 1 0 650 3 7 5 43 1 67 2 2 0 22 0 5 0 30 5 9 1 1 0 6 0 1 0 1 0 11 1 32 5 3 0 7 1 1 21 0 21 0 3 0 1 0 0 4 0 9 1 129 0 0 0 0 1 0 0 1.242 30

Pertambangan Industri Listrik, gas dan Penggalian Pengolahan dan air

3 229 57 45 1 5.098 290 1 13 0 49 0 0 32 29 0 29 0 131 0 27 1 116 4 0 30 2 0 297 40 2 0 101 8 0 0 0 74 15 1 1 1 4 4 1 0 0 0 0 0 6.289 447

4 1.530 192 191 30 8.918 541 49 2 2.813 71 2.873 17 10 1 40 11 20 3 308 16 60 4 25 5 84 5 2 73 1 130 15 39 7 13 1 84 4 2 0 7 0 170 48 5 1 4 1 1 7 0 26 0 29 0 1 0 0 3 0 3 2 1 134 17.654 978

5 422 10 80 0 5.693 810 5 50 0 54 1 0 2 0 0 6 2 0 36 119 1 2 1 0 132 0 3 0 0 8 0 1 2 0 2 1 0 6.619 825

Konstruksi

6 1.454 91 385 20 4.623 231 200 546 12 1.306 71 9 0 53 4 22 11 481 101 17 2 201 9 287 33 5 1 68 2 31 1 206 10 76 8 422 12 14 3 15 3 280 11 5 1 12 3 3 0 26 1 29 3 19 0 2 66 5 2 4 1 10.868 650

Perdagangan Besar dan Eceran

Penyediaan akomodasi dan penyediaan makan minum

Transportasi, pergudangan dan komunikasi

7

8

9

4.257 295 360 69 9.321 1.086 303 11 2.254 124 2.962 160 227 24 262 22 336 72 1.197 163 593 60 401 35 505 54 34 2 168 8 450 27 328 77 246 16 403 69 109 8 152 8 531 66 107 10 28 8 6 1 169 18 539 55 220 4 33 2 14 2 55 5 51 4 29 0 26.652 2.566

580 11 42 5 912 8 55 3 111 5 165 7 14 1 7 2 24 7 69 4 31 1 39 4 49 4 6 1 10 17 3 14 1 26 0 30 2 3 0 8 1 79 4 9 0 12 2 1 0 7 0 23 3 6 1 3 0 0 6 0 3 3 0 2.365 80

948 28 217 44 6.655 407 25 3 277 8 868 67 23 1 54 0 7 2 191 5 35 3 125 6 51 4 1 180 0 42 2 337 62 168 2 369 28 9 6 0 71 7 7 2 6 1 6 1 4 1 0 0 52 0 2 0 1 196 10.934 682

Perantara Keuangan

10 1.238 49 634 1 10.945 84 323 4 861 43 1.539 50 4 0 73 0 11 2 556 6 213 1 21 1 26 2 25 25 0 266 4 71 1 238 0 444 10 2 1 1 672 6 0 0 1 0 1 10 0 61 0 0 0 4 18.266 267

Bukan Lapangan Usaha Jasa Real Estate, Admistrasi Jasa Kemasyarakatan, Usaha Pemerintahan, Kesehatan Jasa Sosial Budaya, Persewaan, Pertahanan dan Pendidikan Hiburan dan dan Jasa dan Jaminan Kegiatan Perorangan Perusahaan Sosial Wajib Sosial lainnya 11 1.334 89 173 5 4.401 223 40 6 256 10 1.130 19 16 1 65 13 11 3 432 30 28 2 171 11 78 9 1 33 1 28 6 78 16 28 1 231 24 14 2 12 1 289 12 6 1 5 5 0 14 0 11 0 49 0 4 1 2 1 3 1 0 8.949 487

12 0 0 4 1 251 0 1 0 0 0 1 0 0 3 1 0 0 0 2 263 2

13 740 20 186 3 765 85 358 0 253 9 10 8 0 7 0 90 1 71 4 54 8 78 0 27 65 0 33 2 0 30 0 4 6 225 0 1 2 1 11 7 31 5 2 0 7 8 3.172 48

14 347 3 39 1 646 11 48 414 1 352 19 11 0 6 1 16 2 215 14 84 0 29 0 49 1 1 5 0 67 9 100 0 4 1 10 3 2 0 46 0 2 0 3 2 14 0 5 0 1 0 1 0 1 2.523 66

15 1.050 51 178 18 857 72 48 3 238 18 435 49 33 2 52 6 41 7 139 26 99 9 93 7 86 7 6 0 47 4 35 2 97 7 59 5 100 19 17 1 19 3 178 5 23 3 13 3 5 1 20 2 42 2 49 1 22 1 11 2 16 3 6 0 20 1 4.134 343

Jasa Perorangan yang Melayani Rumah Tangga

Badan Internasional dan Badan Ekstra Internasional Lainnya

Kegiatan yang belum jelas batasannya

16

17

18

51 1 12 0 19 0 11 0 47 1 52 1 1 3 4 0 19 0 5 0 3 0 3 0 0 2 12 0 3 3 0 4 0 9 1 2 3 0 0 1 3 0 10 0 4 0 1 0 0 0 0 289 4

0 0 0 0

421 103 78 1 432 35 80 2 71 5 165 14 7 1 7 1 21 6 33 4 2 1 16 3 54 17 25 0 6 1 45 5 34 0 57 8 9 0 6 0 39 6 0 1 1 3 2 15 4 0 0 30 0 0 1.658 222

Rumah Tangga Untuk Pemilikan Rumah Tinggal 1 6.905 176 2.069 58 11.610 166 915 24 3.031 84 5.310 121 194 3 371 24 1.175 11 1.977 176 496 32 909 25 1.290 63 46 2 1.163 15 475 21 948 35 465 13 1.018 59 369 12 182 15 1.349 30 68 13 107 16 102 1 244 15 479 27 594 13 80 5 20 3 147 7 15 2 36 2 0 44.159 1.269

Rumah Rumah Rumah Tangga Tangga Tangga Untuk Untuk Untuk Pemilikan Pemilikan Pemilikan Flat atau Ruko atau Kendaraan Apartemen Rukan Bermotor 2

3

4

139 2 21 1 585 7 5 64 6 127 3 9 6 0 77 0 50 3 34 1 6 14 1 3 7 12 0 29 7 41 1 24 2 9 1 13 0 4 3 0 0 4 3 0 13 1 2 0 0 4 1 19 0 1 1.332 37

358 6 68 6 520 6 30 122 11 195 8 32 2 18 1 55 7 176 11 74 6 38 3 42 4 3 40 0 17 0 37 2 42 4 35 3 35 1 32 0 189 13 3 0 5 5 62 8 35 1 45 4 2 2 14 0 1 3 2.339 104

166 5 23 1 5.733 72 21 259 1 43 1 4 0 13 1 66 0 22 0 17 1 24 0 16 1 2 24 0 19 0 24 0 37 0 55 1 6 0 5 0 657 0 4 1 1 0 2 4 0 24 1 15 1 1 0 2 0 6 1 1 1 0 7.298 89

Rumah Tangga Untuk Pemilikan Peralatan Rumah Tangga Lainnya 5 4.798 103 840 13 2.353 82 300 4 889 55 1.163 61 140 3 607 12 795 17 760 44 1.054 14 810 14 744 44 135 3 670 7 217 12 160 6 1.055 15 652 25 94 2 433 4 701 10 164 16 93 3 27 0 181 3 601 22 207 7 32 1 39 2 61 5 72 1 29 2 20.878 612

Bukan Lapangan Usaha Lainnya

TOTAL

Location

27.749 1.353 5.726 294 88.022 4.239 2.686 70 13.222 473 19.955 737 815 45 1.968 148 2.900 160 8.135 727 3.623 166 3.566 221 4.040 314 284 9 2.610 39 2.022 114 3.178 284 2.995 83 4.120 283 729 35 926 37 5.695 240 429 50 305 43 168 5 817 58 1.949 148 1.502 29 208 21 94 9 469 29 186 7 149 8 331 211.571 10.477

West Java NPF Banten NPF DKI Jakarta NPF DI Yogyakarta NPF Central Java NPF East Java NPF Bengkulu NPF Jambi NPF Nanggroe Aceh NPF North Sumatera NPF West Sumatera NPF Riau NPF South Sumatera NPF Bangka Belitung NPF Riau Islands NPF Lampung NPF South NPF West Kalimantan NPF East Kalimantan NPF Central NPF Central Sulawesi NPF South Sulawesi NPF North Sulawesi NPF Gorontalo NPF West Sulawesi NPF South East NPF West Nusa NPF Bali NPF East Nusa NPF Maluku NPF Papua NPF North Maluku NPF West Papua NPF Outside NPF Total NPF

6 308 25 75 14 3.260 43 90 2 406 13 651 36 11 1 17 0 162 1 86 6 426 3 20 1 24 3 7 0 15 2 10 1 12 1 18 0 9 5 2 84 2 7 2 14 5 5 41 7 45 26 19 1 17 7 1 1 5 0 0 0 4 1 5.848 209

45



DR )


Tabel 16a. Pembiayaan dan NPF BUS Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I Bank Penyalur Pembiayaan bulan Februari 2016 ( Financing and NPF of BUS to Non Banks Third Party Based on Business Sector and non Business Sector of Credit by Region - February 2016 ) Miliar Rp (Billion IDR) Lapangan Usaha

Lokasi



Perikanan

1

2

317 33 5 1 3.169 58 7 2 89 2 185 16 61 5 248 21 42 9 749 94 99 6 405 41 314 56 11 1 0 103 7 154 1 436 13 12 2 12 0 12 1 14 3 8 0 0 2 0 1 0 14 1 1 0 1 0 1 0 0 0 1 6.478 369

152 3 1 0 511 0 7 5 42 1 64 2 2 0 22 0 4 0 18 0 7 1 1 0 6 0 1 0 1 0 11 1 11 5 3 0 4 1 1 21 0 10 0 3 0 1 0 0 4 0 8 0 129 0 0 0 0 1 0 0 1.048 21


3 218 57 45 1 3.909 266 1 5 0 49 0 0 32 29 0 29 0 7 27 1 115 3 0 30 2 0 290 34 2 0 96 8 0 0 0 17 1 1 1 4 4 1 0 0 0 0 0 4.886 401

4 1.350 190 177 30 6.757 455 43 2 2.650 68 2.106 15 10 1 40 11 19 3 204 9 43 3 19 2 37 5 2 72 0 130 15 27 1 11 1 82 4 2 0 7 0 167 48 5 1 4 1 1 7 0 24 0 29 0 1 0 0 3 0 3 2 1 134 14.166 867

5 412 1 80 0 5.296 424 3 50 0 54 1 0 2 0 0 4 2 0 36 119 1 2 1 0 132 0 3 0 0 2 0 1 2 0 2 1 0 6.201 430

Konstruksi

6 1.035 87 237 15 3.677 226 85 248 9 906 67 9 0 52 4 16 5 167 28 16 2 35 4 87 14 5 1 25 2 31 1 53 4 67 8 205 9 14 3 15 3 115 2 5 1 12 3 3 0 26 1 21 3 14 0 2 66 5 2 4 1 7.256 505




7

8

9

4.025 287 357 68 7.343 901 275 11 2.025 112 2.642 155 227 24 260 22 283 57 822 104 440 42 352 25 490 53 33 2 164 8 444 26 229 56 236 16 361 63 109 8 152 8 409 62 107 10 28 8 6 1 169 18 519 53 189 4 33 2 14 2 55 5 51 4 29 0 22.878 2.218

569 5 42 5 459 6 28 3 73 2 144 4 13 1 6 1 23 7 48 2 27 1 32 3 35 4 6 1 10 17 3 11 0 22 0 27 1 3 0 8 1 72 4 9 0 12 2 1 0 7 0 17 0 6 0 3 0 0 6 0 3 3 0 1.740 55

833 18 216 44 5.898 379 9 0 207 8 670 67 6 1 14 0 5 2 64 4 21 3 77 6 23 3 1 180 0 42 2 269 62 167 2 365 28 9 6 0 39 2 7 2 6 1 6 1 4 1 0 0 52 0 2 0 1 196 9.396 633

Perantara Keuangan

10 1.081 47 407 1 6.420 75 248 1 626 37 796 38 4 0 18 0 11 2 171 5 147 1 21 1 26 2 25 25 0 262 3 18 1 138 0 68 1 2 1 1 525 6 0 0 1 0 1 10 0 13 0 0 0 4 11.067 223

Bukan Lapangan Usaha Jasa Real Estate, Admistrasi Jasa Kemasyarakatan, Usaha Pemerintahan, Kesehatan Jasa Sosial Budaya, Persewaan, Pertahanan dan Pendidikan Hiburan dan dan Jasa dan Jaminan Kegiatan Perorangan Perusahaan Sosial Wajib Sosial lainnya 11 1.205 85 146 5 3.647 216 25 6 167 5 947 4 16 1 65 13 9 2 61 4 24 2 135 7 56 7 1 33 1 26 5 38 7 16 1 205 15 14 2 12 1 210 10 6 1 5 5 0 14 0 9 0 42 0 4 1 2 1 3 1 0 7.150 402

12 0 0 4 1 251 0 1 0 0 1 0 0 3 1 0 0 0 2 263 2

13 734 20 182 3 687 68 263 0 202 9 10 8 0 7 0 82 0 67 4 54 8 62 0 27 65 0 20 2 0 26 0 4 6 212 1 2 1 11 6 31 5 2 0 7 8 2.861 47

14 324 3 39 1 623 6 41 203 1 319 18 11 0 6 1 16 2 204 7 71 0 28 0 42 1 1 4 0 66 9 97 0 4 1 8 3 2 0 45 0 2 0 3 2 13 0 5 0 1 0 1 0 1 2.185 52

15 883 40 152 17 737 67 38 1 193 15 248 27 33 2 51 6 41 7 118 22 91 9 69 7 39 6 6 0 44 3 35 2 28 3 56 5 59 5 17 1 19 3 77 1 23 3 13 3 5 1 20 2 40 2 49 1 22 1 11 2 16 3 6 0 20 1 3.262 267




16

17

18

51 1 12 0 19 0 11 0 47 1 51 1 1 3 4 0 17 0 4 0 3 0 3 0 0 2 12 0 3 3 0 4 0 9 1 2 3 0 0 1 3 0 9 0 4 0 1 0 0 0 0 285 4

0 0 0 0

259 99 18 1 299 35 59 2 45 5 62 14 7 1 7 1 19 6 27 3 2 1 11 3 41 15 11 6 1 35 5 34 0 32 8 9 0 6 0 30 6 0 1 1 3 2 15 4 0 0 30 0 0 1.067 214

Rumah Tangga Untuk Pemilikan Rumah Tinggal 1 4.458 134 1.505 55 4.373 91 560 21 1.827 72 2.843 85 194 3 358 23 250 9 697 46 482 31 528 18 637 34 46 2 630 12 454 18 468 23 458 13 620 35 369 12 182 15 654 21 68 13 107 16 102 1 244 15 410 27 563 13 80 5 20 3 147 7 15 2 36 2 0 24.385 876

Rumah Rumah Rumah Tangga Tangga Tangga Untuk Untuk Untuk Pemilikan Pemilikan Pemilikan Flat atau Ruko atau Kendaraan Apartemen Rukan Bermotor 2 108 2 20 0 202 3 1 62 6 63 3 9 6 0 15 0 41 3 34 1 6 14 1 3 5 12 0 15 6 41 1 21 1 9 1 10 0 4 3 0 0 4 2 0 13 1 2 0 0 4 1 19 0 1 752 31

3

4

250 5 56 6 213 2 5 64 8 103 7 32 2 15 1 42 5 42 1 67 3 24 3 36 3 3 19 0 14 0 32 2 42 4 27 0 35 1 32 0 113 9 3 0 5 5 62 8 33 1 45 4 2 2 14 0 1 3 1.442 72

134 5 22 1 3.331 44 6 228 1 36 1 3 0 7 1 8 0 12 0 13 1 17 0 15 1 2 5 0 15 0 11 0 36 0 53 0 6 0 5 0 653 0 4 1 1 0 2 4 0 6 0 15 1 1 0 2 0 6 1 1 1 0 4.660 59

Rumah Tangga Untuk Pemilikan Peralatan Rumah Tangga Lainnya 5 4.722 102 824 13 1.942 78 177 4 721 55 1.079 60 139 3 471 12 314 16 632 42 452 13 328 13 308 20 86 3 335 6 217 12 137 4 477 14 329 23 94 2 433 4 606 9 164 16 93 3 27 0 181 3 406 21 207 7 32 1 39 2 61 5 72 1 29 2 16.135 571


TOTAL

Location

23.309 1.247 4.612 282 60.558 3.344 1.758 59 10.090 418 14.045 628 796 44 1.704 145 1.135 132 4.232 380 2.148 123 2.217 142 2.512 230 232 9 1.628 35 1.981 109 2.083 215 2.267 82 2.625 204 729 35 926 37 4.011 183 429 50 305 43 167 5 817 58 1.620 141 1.379 28 208 21 94 9 469 29 186 7 149 8 331 151.752 8.484


6 189 23 66 14 795 15 61 2 255 10 474 35 11 1 11 0 6 0 23 1 32 0 7 0 7 1 2 0 15 2 9 1 12 1 18 0 9 5 2 27 0 7 2 14 5 5 41 7 45 26 19 1 17 7 1 1 5 0 0 0 4 1 2.189 162

46



DR )


Tabel 16b. Pembiayaan dan NPF UUS Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I Bank Penyalur Pembiayaan bulan Februari 2016 ( Financing and NPF of UUS to Non Banks Third Party Based on Business Sector and non Business Sector of Credit by Region - February 2016) Miliar Rp (Billion IDR) Lapangan Usaha

Lokasi



Perikanan

1

2


3

3 0

1 0

604 3 39 10 0 8 4 0 1 0 518 15 44 15 112 45 5 1 0 0 1 0 1 0 11 7 0 0 1 0 1.360 91

139 3 0 1 3 0 1 0 12 4 2 1 1 0 0 0 21 2 11 1 0 195 8

4 10 1.189 24 8 0 0 0 124 0 1 0 1 1 7 5 5 0 56 15 0 1.403 46

181 2 14 2.161 86 6 163 3 767 2 0 1 0 104 7 17 1 6 3 47 0 0 0 12 6 2 0 2 0 3 0 2 0 3.488 111

5 10 9 397 386 2 0 0 0 2 0 0 0 0 0 6 0 0 417 395

Konstruksi



6

7

8

419 3 148 6 946 6 114 299 3 399 4 0 6 6 314 74 1 0 165 5 200 19 43 0 154 6 9 216 3 164 9 8 1 5 3.612 145

231 9 3 1 1.978 186 28 0 228 13 320 5 0 2 54 15 375 58 153 18 49 10 15 1 1 5 0 5 1 99 21 10 0 42 5 122 4 20 1 31 3.774 348

12 6 0 453 2 27 38 3 20 4 1 1 1 1 0 0 21 2 4 0 8 1 14 0 0 0 0 4 1 5 0 3 0 7 1 6 2 1 1 625 25


9 115 10 1 757 28 17 3 71 198 1 17 40 2 127 0 14 1 47 1 28 1 0 68 0 1 0 3 32 5 0 1.538 49

Perantara Keuangan

10 157 3 228 4.525 10 75 3 236 6 744 12 55 385 0 65 0 1 3 0 53 0 100 377 9 147 0 48 7.199 44

Bukan Lapangan Usaha

Jasa Real Estate, Admistrasi Jasa Kemasyarakatan, Usaha Pemerintahan, Kesehatan Jasa Sosial Budaya, Persewaan, Pertahanan dan Pendidikan Hiburan dan dan Jasa dan Jaminan Kegiatan Perorangan Perusahaan Sosial Wajib Sosial lainnya 11 129 3 27 0 754 7 15 0 89 5 183 15 3 1 371 26 4 0 36 4 21 1 0 1 1 41 10 12 26 9 79 2 2 0 7 1.799 85

12

13 -

14 24 0 0

3 -

78

17 95 51 0 0

-

8 0 4 0 17 0 0 13 0 4 13 0 -

0 -

15

6 -

1 312 1

24 5 6 210 33 1 0 11 7 12 0 1 7 0 1 3 1 2 1 0 0 338 14

167 12 27 1 120 5 9 2 45 3 187 23 0 0 0 21 4 8 1 24 1 46 1 4 0 69 5 3 0 40 13 101 4 2 0 872 76




16

17

18

0 0 0 1 0 2 0 0 0 0 0 0 0 0 5 0

-

162 4 61 1 133 21 26 103 0 2 0 6 1 5 13 1 15 0 10 0 25 9 591 8

Rumah Tangga Untuk Pemilikan Rumah Tinggal 1 2.447 41 564 3 7.237 76 355 3 1.204 13 2.467 36 13 1 924 1 1.280 130 14 1 381 7 653 30 1 533 3 20 2 480 12 6 398 25 696 9 69 0 31 19.774 393

Rumah Rumah Rumah Tangga Tangga Tangga Untuk Untuk Untuk Pemilikan Pemilikan Pemilikan Flat atau Ruko atau Kendaraan Apartemen Rukan Bermotor 2

3 31 2 0 383 4 3 2 64 62 10 0 0 1 15 0 4 1 3 1 580 6

4 108 1 13 307 4 25 58 3 92 1 3 1 13 2 134 9 8 3 14 6 1 21 3 5 9 3 76 4 2 897 32

32 0 1 2.402 29 15 31 7 1 7 59 0 10 0 4 0 6 0 0 0 19 4 14 0 1 2 0 4 18 2.638 30

Rumah Tangga Untuk Pemilikan Peralatan Rumah Tangga Lainnya


5

6

76 1 15 0 411 4 122 0 168 0 85 1 1 136 482 1 129 2 601 1 481 1 436 24 49 0 335 1 1 24 2 578 0 324 2 95 195 1 4.742 41

118 2 9 2.464 28 29 0 151 3 177 1 6 155 0 63 6 394 3 12 1 17 2 5 0 0 2 0 58 2 3.660 46

TOTAL

4.440 106 1.114 12 27.464 895 928 11 3.132 55 5.910 109 19 1 264 3 1.765 28 3.902 347 1.474 43 1.350 79 1.528 84 51 0 982 4 41 4 1.095 69 728 1 1.495 79 1.684 57 328 7 123 1 59.818 1.993

Location


47



Tabel 17. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent of Yield Rate/Distribution/Fees/Bonuses of Sharia Commercial Banks and Sharia Business Units ) Dalam Persen ( Percentage ) Indikator

2014 Nov r) 6,44 1,29 1,33 1,00 4,09 4,09 2,00 1,59 1,59 1,59 4,14 4,18 1,00 7,68 7,86 7,84 8,12 7,68 7,03 12,81 3,92 3,64 3,76 3,18 4,02 13,07

2015 Des

Mar

Apr

Mei

I. Dana Pihak Ketiga 6,72 6,37 6,07 6,30 1. Giro iB Wadiah 1,25 1,26 1,30 1,24 a. Rupiah 1,29 1,32 1,37 1,28 b. Valas 1,00 1,04 1,08 1,06 2. Tabungan iB Wadiah 4,81 4,46 3,77 4,19 a. Rupiah 4,81 4,46 3,77 4,19 b. Valas 2,00 2,00 2,00 2,00 3. Giro iB Mudharabah 1,58 2,37 1,45 1,96 a. Rupiah 1,58 2,39 1,45 1,97 b. Valas 1,58 2,37 1,45 1,96 4. Tabungan iB Mudharabah 4,37 4,25 3,73 4,05 a. Rupiah 4,40 4,29 3,76 4,09 b. Valas 1,00 1,01 1,01 1,01 5. Deposito iB Mudharabah 8,06 7,69 7,52 7,79 a. Rupiah 8,22 7,88 7,67 7,96 i. 1 Bulan 8,16 7,92 7,71 8,03 ii. 3 Bulan 8,43 8,29 8,09 8,40 iii. 6 Bulan 8,02 7,56 7,30 7,87 iv. 12 Bulan 7,31 7,05 6,88 7,05 v. > 12 Bulan 11,02 11,98 8,74 13,00 b. Valas 4,07 3,83 3,49 4,44 i. 1 Bulan 3,70 3,95 3,54 4,49 ii. 3 Bulan 4,32 4,34 3,68 3,90 iii. 6 Bulan 3,31 4,20 3,97 6,00 iv. 12 Bulan 2,24 2,21 2,09 4,42 v. > 12 Bulan 13,07 12,92 13,00 13,01 II. Pembiayaan, Piutang dan Salam 12,85 12,70 12,09 11,97 11,66 1. Pembiayaan Bagi Hasil a. Mudharabah 12,74 12,79 12,63 12,67 12,06 i. Rupiah 12,81 12,79 12,63 12,68 12,06 ii. Valas 2,00 7,00 7,00 7,00 b. Musyarakah 12,87 12,66 11,96 11,79 11,56 i. Rupiah 13,00 13,05 12,60 12,49 12,27 ii. Valas 9,64 7,18 5,84 5,23 5,74 c. Pembiayaan Bagi Hasil Lainnya 27,60 28,40 29,17 29,38 35,63 i. Rupiah 27,60 28,40 29,17 29,38 35,63 ii. Valas 13,18 13,25 13,35 13,53 13,72 2. Piutang a. Murabahah 13,65 13,68 13,61 13,68 13,72 i. Rupiah 13,96 14,00 13,95 14,02 14,06 ii. Valas 8,31 8,29 8,09 8,03 8,14 b. Qardh 3,85 4,12 7,24 9,67 13,81 i. Rupiah 3,85 4,12 7,23 9,73 13,82 ii. Valas 1,00 1,00 7,88 7,89 13,00 c. Istishna' 13,21 13,22 13,22 13,21 13,25 i. Rupiah 13,21 13,22 13,22 13,21 13,25 ii. Valas 9,75 9,88 10,07 10,13 10,13 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi 11,32 11,31 11,33 11,32 11,31 i. Rupiah 11,50 11,50 11,53 11,52 11,51 ii. Valas 6,00 6,00 6,00 6,00 6,00 b. Pembiayaan secara Channeling 18,27 17,76 17,43 15,95 15,97 i. Rupiah 18,27 17,76 17,43 15,95 15,97 ii. Valas c. Pembiayaan secara Executing i. Rupiah ii. Valas d. Pembiayaan Sewa Lainnya 9,71 9,84 10,03 10,10 10,11 i. Rupiah 10,50 10,63 10,80 10,86 10,88 ii. Valas 6,86 6,86 6,85 6,83 6,85 4. Salam a. Rupiah b. Valas Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.7 dan SPS Tabel 36

Jun

Jul

2016 Ags

Sep

Okt

Nov

6,09 1,22 1,25 1,07 4,20 4,20 2,00 1,61 1,61 1,61 4,00 4,04 1,01 7,43 7,63 7,61 7,92 7,44 6,65 11,87 3,21 3,02 3,12 2,87 3,23 13,09

6,11 1,27 1,32 1,05 4,24 4,24 2,00 1,51 1,51 1,51 3,86 3,89 1,01 7,54 7,69 7,61 7,94 7,36 6,50 10,89 4,13 4,03 4,35 3,40 3,82 12,98

6,03 1,27 1,32 1,07 4,15 4,15 2,00 1,82 1,82 1,82 3,95 4,00 1,01 7,32 7,51 7,50 7,92 7,17 6,30 11,37 3,14 3,02 2,98 3,20 3,11 13,31

6,07 1,23 1,27 1,06 4,44 4,44 2,00 1,80 1,80 1,80 3,99 3,99 1,32 7,35 7,56 7,35 7,70 7,02 6,40 10,89 2,94 2,51 2,32 3,94 3,21 13,31

5,72 1,27 1,30 1,03 3,64 3,64 2,00 1,74 1,74 1,74 3,23 3,23 1,96 7,02 7,38 7,19 7,59 6,71 6,38 6,38 2,46 2,46 2,43 2,56 2,40 12,74

5,74 1,22 1,24 1,02 3,70 3,70 1,77 2,44 2,60 2,44 3,46 3,46 1,05 6,96 7,32 7,14 7,52 6,59 6,42 6,01 1,96 2,21 2,25 2,11 2,17 2,00 12,71

11,88 12,10 12,10 7,00 11,82 12,30 7,09 13,73 13,73 14,06 8,19 13,99 13,99 13,00 13,28 13,28 10,18 11,29 11,50 6,00 16,05 16,05 10,15 10,91 6,89 -

11,63 12,13 12,13 7,00 11,50 11,99 6,88 13,70 13,69 14,02 8,26 13,97 13,97 13,00 13,31 13,31 10,24 11,29 11,50 6,00 15,97 15,97 10,22 10,96 6,87 -

11,77 11,64 11,64 11,80 12,02 8,78 14,12 14,12 14,53 8,36 14,10 14,10 13,00 13,08 13,08 10,92 11,28 11,50 6,00 10,87 11,36 7,96 -

11,77 11,64 11,64 11,80 12,02 8,78 14,12 14,12 14,53 8,36 14,10 14,10 13,00 13,08 13,08 10,92 11,28 11,50 6,00 10,87 11,36 7,96 -

11,43 12,10 12,17 3,19 11,25 11,74 6,62 13,48 13,46 13,78 8,37 14,16 14,16 13,00 13,30 13,30 10,44 11,28 11,50 6,00 15,16 15,16 10,42 11,14 6,91 -

11,40 11,98 11,98 7,00 11,26 11,75 6,64 13,46 13,44 13,75 8,36 14,21 14,21 13,00 13,27 13,27 10,38 11,27 11,50 6,00 15,19 15,19 10,35 11,07 6,79 -

Des

Jan

Feb

Indicator

I. Third Party Fund 1. iB Demand Deposits Wadia a. Rupiah b. Valas 2. iB Saving Deposits Wadia a. Rupiah b. Valas 3. iB Demand Deposits Mudharabah a. Rupiah b. Valas 4. iB Saving Deposits Mudharabah a. Rupiah b. Valas 5. iB Time Deposits Mudharabah a. Rupiah 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month b. Foreign Currency 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month II. Financing, Receivables/Acceptables, ijarah and Salam 11,52 12,00 11,94 1. Profit Sharing Financing a. Mudharabah 12,21 12,32 12,29 i. Rupiah 12,21 12,33 12,29 ii. Foreign Currency 7,00 7,00 7,00 b. Musyarakah 11,35 11,92 11,86 i. Rupiah 11,83 12,39 12,29 ii. Foreign Currency 6,65 7,20 7,33 c. Other Profit Sharing Financing i. Rupiah ii. Foreign Currency 13,37 13,32 13,33 2. Receivables/Acceptables a. Murabahah 13,36 13,31 13,34 i. Rupiah 13,67 13,61 13,61 ii. Foreign Currency 8,27 8,18 8,40 b. Qardh 13,58 13,79 12,71 i. Rupiah 13,58 13,79 12,71 ii. Foreign Currency 13,00 13,00 13,00 c. Istishna' 13,26 13,23 13,15 i. Rupiah 13,26 13,23 13,15 ii. Foreign Currency 10,51 10,51 10,56 3. Ijarah including Leasing receivables 11,27 11,26 11,27 a. Sindication Financing i. Rupiah 11,50 11,50 11,50 ii. Foreign Currency 6,00 6,00 6,00 16,74 15,18 15,17 b. Financing through Channeling i. Rupiah 16,74 15,18 15,17 ii. Foreign Currency c. Financing through Executing i. Rupiah ii. Foreign Currency 10,50 10,49 10,54 d. Other Ijarah i. Rupiah 11,22 11,20 11,23 ii. Foreign Currency 6,62 6,62 6,62 4. Salam a. Rupiah b. Foreign Currency Note: r) Revised figures, based on LSMK start on June 2014 and published on October 2014 and June 2015 in Indonesia Banking Statistics (SPI) Table 2.7 and Sharia Banking Statistic (SPS) Table 36 5,88 1,18 1,20 1,02 4,33 4,33 2,00 2,89 2,96 2,89 3,59 3,59 1,05 7,17 7,48 7,45 7,80 6,82 6,66 6,12 2,85 3,48 4,26 2,61 2,34 12,69

5,62 1,23 1,26 1,00 3,30 3,30 2,00 2,80 2,80 2,80 3,21 3,21 1,92 6,94 7,22 7,09 7,53 6,29 6,45 6,10 2,75 2,80 2,96 2,07 2,39 12,83

5,44 1,31 1,34 1,02 3,38 3,38 2,00 2,47 2,53 2,47 3,46 3,46 1,00 6,60 6,92 6,73 7,02 6,23 6,32 5,05 2,11 2,27 2,34 1,80 2,27 12,80

48



Tabel 17a. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah ( Equivalent of Yield Rate/Distribution/Fees/Bonuses of Sharia Commercial Banks ) Dalam Persen ( Percentage ) Indikator I. Dana Pihak Ketiga 1. Giro iB Wadiah a. Rupiah b. Valas 2. Tabungan iB Wadiah a. Rupiah b. Valas 3. Giro iB Mudharabah a. Rupiah b. Valas 4. Tabungan iB Mudharabah a. Rupiah b. Valas 5. Deposito iB Mudharabah a. Rupiah i. 1 Bulan ii. 3 Bulan iii. 6 Bulan iv. 12 Bulan v. > 12 Bulan b. Valas i. 1 Bulan ii. 3 Bulan iii. 6 Bulan iv. 12 Bulan v. > 12 Bulan II. Pembiayaan, Piutang dan Salam 1. Pembiayaan Bagi Hasil a. Mudharabah i. Rupiah ii. Valas b. Musyarakah i. Rupiah ii. Valas c. Pembiayaan Bagi Hasil Lainnya i. Rupiah ii. Valas 2. Piutang a. Murabahah i. Rupiah ii. Valas b. Qardh i. Rupiah ii. Valas c. Istishna' i. Rupiah ii. Valas 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi i. Rupiah ii. Valas b. Pembiayaan secara Channeling i. Rupiah ii. Valas c. Pembiayaan secara Executing i. Rupiah ii. Valas d. Pembiayaan Sewa Lainnya i. Rupiah ii. Valas 4. Salam a. Rupiah b. Valas

2014 Nov 6,54 1,31 1,36 1,00 4,40 4,40 2,02 2,02 2,02 4,15 4,15 1,92 7,80 7,95 7,88 8,25 7,65 6,92 12,85 4,40 4,38 4,94 3,42 4,02 13,44 13,14 12,90 13,02 2,00 13,17 13,34 9,67 27,60 27,60 13,59 14,22 14,60 8,52 3,64 3,64 1,00 12,84 12,84 10,02 11,32 11,50 6,00 9,83 10,49 7,70 -

2015 Des 6,84 1,25 1,30 1,00 5,20 5,20 2,14 2,14 2,14 4,44 4,44 1,95 8,16 8,32 8,16 8,52 7,98 7,17 11,02 4,41 4,17 4,90 3,34 3,91 13,53 13,23 13,00 13,00 13,27 13,45 9,57 28,40 28,40 13,67 14,25 14,64 8,52 3,92 3,93 1,00 12,80 12,80 10,27 11,31 11,50 6,00 10,12 10,84 7,70 -

Mar 6,41 1,25 1,33 1,04 4,79 4,79 1,68 1,68 1,68 4,32 4,32 2,00 7,70 7,86 7,86 8,20 7,65 6,96 12,14 4,22 4,75 4,94 4,30 3,83 13,40 12,62 12,69 12,69 12,60 12,81 8,58 29,17 29,17 13,78 14,15 14,57 8,30 7,12 7,10 7,88 12,59 12,59 10,57 11,33 11,53 6,00 10,47 11,02 7,97 -

Apr 6,04 1,32 1,41 1,08 3,84 3,84 1,46 1,46 1,46 3,80 3,80 2,00 7,45 7,59 7,51 7,90 7,04 6,80 8,73 3,77 3,99 3,99 4,00 4,00 13,53 12,53 12,76 12,76 12,48 12,68 8,57 29,38 29,38 14,01 14,23 14,66 8,22 9,62 9,68 7,89 12,57 12,57 10,66 11,32 11,52 6,00 10,57 11,14 7,83 -

Mei 6,43 1,26 1,31 1,06 4,35 4,35 2,49 2,49 2,49 4,22 4,22 2,00 7,95 8,06 7,95 8,41 7,59 6,90 13,11 5,51 5,98 5,95 6,00 6,00 13,56 12,14 11,89 11,89 12,18 12,41 8,12 35,63 35,63 14,27 14,29 14,72 8,35 13,84 13,86 13,00 12,51 12,51 10,67 11,31 11,51 6,00 10,58 11,20 7,83 -

Jun 6,14 1,24 1,29 1,07 4,40 4,40 1,38 1,38 1,38 3,98 3,98 2,00 7,51 7,69 7,74 8,13 7,45 6,67 12,37 3,72 4,00 4,00 4,00 4,00 13,57 12,16 11,89 11,89 12,21 12,43 9,07 14,29 14,31 14,72 8,40 14,03 14,04 13,00 12,52 12,52 10,78 11,29 11,50 6,00 10,72 11,29 7,88 -

Jul 6,28 1,28 1,34 1,06 4,41 4,41 1,52 1,52 1,52 3,96 3,96 2,00 7,72 7,86 7,79 8,20 7,44 6,56 10,92 4,57 5,00 5,00 5,00 5,00 13,49 11,97 11,88 11,88 11,99 12,22 8,77 14,27 14,28 14,69 8,37 14,03 14,03 13,00 12,58 12,58 10,86 11,29 11,50 6,00 10,80 11,31 7,91 -

2016 Ags 6,21 1,28 1,35 1,07 4,38 4,38 1,63 1,63 1,63 4,10 4,10 2,00 7,50 7,65 7,74 8,20 7,33 6,48 12,33 3,74 4,00 4,00 4,00 4,00 13,31 11,77 11,64 11,64 11,80 12,02 8,78 14,12 14,12 14,53 8,36 14,10 14,10 13,00 13,08 13,08 10,92 11,28 11,50 6,00 10,87 11,36 7,96 -

Sep 6,31 1,25 1,30 1,06 4,74 4,74 1,63 1,63 1,63 4,13 4,13 2,00 7,64 7,81 7,70 8,17 7,31 6,44 10,92 3,75 4,00 4,00 4,00 4,00 13,24 11,81 11,75 11,75 11,82 12,10 8,30 14,02 14,02 14,47 8,48 14,03 14,03 13,00 13,05 13,05 11,05 11,27 11,50 6,00 11,02 11,45 8,11 -

Okt 5,83 1,30 1,34 1,03 3,83 3,83 1,49 1,49 1,49 3,15 3,15 2,00 7,18 7,56 7,41 7,89 6,94 6,32 6,26 2,73 2,94 3,13 2,59 2,45 13,24 11,81 11,75 11,75 11,82 12,10 8,30 14,02 14,02 14,47 8,48 14,03 14,03 13,00 13,05 13,05 11,05 11,27 11,50 6,00 11,02 11,45 8,11 -

Nov 5,86 1,22 1,26 1,02 3,91 3,91 1,53 1,53 1,53 3,45 3,45 2,00 7,14 7,53 7,52 8,02 7,02 6,37 6,02 2,14 2,41 2,51 2,21 2,17 2,00 13,10 11,46 11,29 11,29 11,49 11,72 8,38 14,00 13,99 14,38 8,59 14,28 14,28 13,00 13,14 13,14 11,03 11,27 11,50 6,00 11,00 11,42 8,55 -

Des 5,99 1,18 1,21 1,02 4,40 4,40 1,70 1,70 1,70 3,65 3,65 2,00 7,32 7,68 7,80 8,21 7,30 6,51 13,46 3,04 3,63 4,57 2,65 2,35 13,12 11,67 11,75 11,75 11,65 11,91 7,97 13,92 13,93 14,32 8,50 13,64 13,64 13,00 13,15 13,15 11,38 11,27 11,50 6,00 11,40 11,84 8,51 -

Jan 5,77 1,18 1,22 1,00 3,95 3,95 1,52 1,52 1,52 3,13 3,13 2,00 7,11 7,43 7,51 7,98 7,10 6,37 7,93 3,03 2,96 3,04 3,02 2,40 13,36 12,33 11,82 11,82 12,42 12,63 9,21 13,95 13,95 14,34 8,40 13,84 13,84 13,00 13,22 13,22 11,39 11,26 11,50 6,00 11,41 11,85 8,51 -

Feb 5,53 1,28 1,32 1,02 4,08 4,08 1,53 1,53 1,53 3,48 3,48 2,00 6,65 7,05 6,93 7,21 6,77 6,25 8,05 2,20 2,46 2,46 2,95 2,27 13,38 12,26 11,74 11,74 12,34 12,54 9,17 14,04 14,05 14,39 8,65 13,74 13,75 13,00 13,20 13,20 11,40 11,27 11,50 6,00 11,41 11,85 8,51 -

Indicator I. Third Party Fund 1. iB Demand Deposits Wadia a. Rupiah b. Valas 2. iB Saving Deposits Wadia a. Rupiah b. Valas 3. iB Demand Deposits Mudharabah a. Rupiah b. Valas 4. iB Saving Deposits Mudharabah a. Rupiah b. Valas 5. iB Time Deposits Mudharabah a. Rupiah 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month b. Foreign Currency 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month II. Financing, Receivables/Acceptables, ijarah and Salam 1. Profit Sharing Financing a. Mudharabah i. Rupiah ii. Foreign Currency b. Musyarakah i. Rupiah ii. Foreign Currency c. Other Profit Sharing Financing i. Rupiah ii. Foreign Currency 2. Receivables/Acceptables a. Murabahah i. Rupiah ii. Foreign Currency b. Qardh i. Rupiah ii. Foreign Currency c. Istishna' i. Rupiah ii. Foreign Currency 3. Ijarah including Leasing receivables a. Sindication Financing i. Rupiah ii. Foreign Currency b. Financing through Channeling i. Rupiah ii. Foreign Currency c. Financing through Executing i. Rupiah ii. Foreign Currency d. Other Ijarah i. Rupiah ii. Foreign Currency 4. Salam a. Rupiah b. Foreign Currency

49



Tabel 17b. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Unit Usaha Syariah (Equivalent of Yield Rate/Distribution/Fees/Bonuses of Sharia Business Units ) Dalam Persen ( Percentage ) Indikator I. Dana Pihak Ketiga 1. Giro iB Wadiah a. Rupiah b. Valas 2. Tabungan iB Wadiah a. Rupiah b. Valas 3. Giro iB Mudharabah a. Rupiah b. Valas 4. Tabungan iB Mudharabah a. Rupiah b. Valas 5. Deposito iB Mudharabah a. Rupiah i. 1 Bulan ii. 3 Bulan iii. 6 Bulan iv. 12 Bulan v. > 12 Bulan b. Valas i. 1 Bulan ii. 3 Bulan iii. 6 Bulan iv. 12 Bulan v. > 12 Bulan II. Pembiayaan, Piutang dan Salam 1. Pembiayaan Bagi Hasil a. Mudharabah i. Rupiah ii. Valas b. Musyarakah i. Rupiah ii. Valas c. Pembiayaan Bagi Hasil Lainnya i. Rupiah ii. Valas 2. Piutang a. Murabahah i. Rupiah ii. Valas b. Qardh i. Rupiah ii. Valas c. Istishna' i. Rupiah ii. Valas 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi i. Rupiah ii. Valas b. Pembiayaan secara Channeling i. Rupiah ii. Valas c. Pembiayaan secara Executing i. Rupiah ii. Valas d. Pembiayaan Sewa Lainnya i. Rupiah ii. Valas 4. Salam a. Rupiah b. Valas

2014 Nov 6,06 1,23 1,23 1,31 1,31 2,00 1,53 1,53 1,53 4,11 4,28 1,00 7,21 7,50 7,69 7,67 7,81 7,55 5,00 2,72 2,52 2,60 1,42 11,66 11,71 12,45 12,45 11,27 11,28 5,00 11,63 11,59 11,71 6,30 14,13 14,13 13,33 13,33 9,70 18,27 18,27 9,69 10,50 6,71 -

2015 Des 6,28 1,24 1,24 1,00 1,27 1,27 2,00 1,46 1,46 1,46 4,10 4,25 1,00 7,67 7,87 8,14 8,18 8,29 7,85 6,00 2,75 2,30 2,84 2,64 1,32 11,45 10,94 12,43 12,43 10,19 11,22 4,01 11,71 11,67 11,82 6,43 13,62 13,62 13,35 13,35 9,81 17,76 17,76 9,80 10,59 6,71 -

Mar 6,24 1,29 1,30 1,00 1,28 1,28 2,00 2,55 2,57 2,55 3,98 4,16 1,00 7,65 7,91 8,11 8,53 7,33 7,43 5,96 2,47 1,91 2,34 1,00 1,32 11,32 10,49 12,56 12,56 7,00 9,54 11,60 4,01 11,80 11,76 11,91 6,44 13,88 13,88 13,39 13,39 9,98 17,43 17,43 9,97 10,76 6,70 -

Apr 6,15 1,25 1,26 1,00 3,40 3,40 2,00 1,44 1,44 1,44 3,48 3,63 1,00 7,76 7,95 8,25 8,57 7,87 7,25 9,94 2,52 2,11 2,65 1,00 1,31 11,26 10,35 12,54 12,55 7,00 9,32 11,62 3,13 11,80 11,77 11,92 6,44 12,52 12,52 13,38 13,38 10,05 15,95 15,95 10,04 10,81 6,69 -

Mei 5,84 1,13 1,13 1,00 3,33 3,33 2,00 1,45 1,45 1,45 3,47 3,63 1,00 7,24 7,59 8,44 8,33 8,87 8,05 5,21 1,97 2,19 2,17 1,00 2,52 11,26 10,39 12,29 12,30 7,00 9,49 11,66 4,35 11,81 11,78 11,94 6,45 11,68 11,68 13,45 13,45 10,05 15,97 15,97 10,04 10,83 6,71 -

Jun 5,92 1,13 1,13 1,00 3,10 3,10 2,00 1,70 1,70 1,70 4,06 4,25 1,00 7,15 7,47 7,26 7,38 7,42 6,58 7,95 1,92 1,85 1,97 1,70 1,92 11,52 11,05 12,39 12,39 7,00 10,34 11,74 4,60 11,80 11,77 11,91 6,47 11,44 11,44 13,48 13,48 10,08 16,05 16,05 10,07 10,85 6,76 -

Jul 5,52 1,21 1,25 1,00 3,28 3,28 2,00 1,50 1,50 1,50 3,49 3,65 1,00 6,91 7,07 7,08 7,23 7,10 6,30 7,73 1,92 2,02 1,99 2,04 2,00 11,38 10,64 12,48 12,48 7,00 9,68 10,97 4,58 11,81 11,78 11,90 7,45 10,75 10,75 13,50 13,50 10,14 15,97 15,97 10,13 10,91 6,75 -

2016 Ags 5,39 1,23 1,23 1,00 2,82 2,82 2,00 1,87 1,87 1,87 3,44 3,60 1,00 6,70 7,00 6,73 7,03 6,69 5,72 8,00 1,59 1,73 1,77 1,44 1,91 11,83 12,16 12,48 12,49 7,00 11,89 11,90 5,65 11,67 11,62 11,64 9,75 12,09 12,09 13,51 13,51 10,17 15,92 15,92 10,17 10,95 6,76 -

Sep 5,28 1,18 1,18 1,00 2,75 2,75 2,00 1,91 1,91 1,91 3,49 3,49 1,00 6,42 6,76 6,50 6,55 6,47 6,29 6,50 1,10 1,07 1,05 1,00 1,91 11,88 12,32 12,62 12,81 3,21 12,06 12,07 5,00 11,65 11,60 11,62 9,66 12,36 12,36 13,53 13,53 10,23 15,00 15,00 15,16 15,16 10,22 11,04 6,80 -

Okt 5,39 1,18 1,19 1,00 2,56 2,56 2,00 1,83 1,83 1,83 3,52 3,52 1,00 6,48 6,80 6,64 6,83 6,25 6,55 6,97 1,26 1,07 1,05 1,00 1,97 11,37 10,79 12,67 12,86 3,19 9,85 11,10 4,55 11,74 11,70 11,81 7,48 12,31 12,31 13,34 13,34 10,33 15,16 15,16 10,32 11,08 6,80 -

Nov 5,86 1,22 1,26 1,02 3,91 3,91 1,53 1,53 1,53 3,45 3,45 2,00 7,14 7,53 7,52 8,02 7,02 6,37 6,02 2,14 2,41 2,51 2,21 2,17 2,00 11,53 11,24 12,85 12,86 7,00 10,48 11,86 4,53 11,72 11,68 11,82 6,48 11,72 11,72 13,30 13,30 10,27 15,19 15,19 10,26 11,01 6,56 -

Des

Jan

Feb

5,51 1,17 1,17 1,00 3,66 3,67 2,00 3,25 3,36 3,25 3,39 3,40 1,00 6,71 6,86 6,64 6,75 6,12 7,08 6,00 1,05 1,15 1,00 1,67 1,00 11,41 11,13 12,77 12,77 7,00 10,34 11,50 4,98 11,60 11,56 11,69 6,28 11,56 11,56 13,28 13,28

5,19 1,33 1,33 1,00 2,14 2,14 2,00 3,29 3,29 3,29 3,50 3,50 1,00 6,39 6,59 6,03 6,32 5,04 6,71 6,00 1,01 1,09 1,00 1,14 1,00 11,25 11,10 12,94 12,94 7,00 10,25 11,47 4,98 11,35 11,30 11,42 6,23 11,92 11,92

5,20 1,38 1,39 1,00 2,19 2,19 2,00 2,78 2,87 2,78 3,38 3,40 1,00 6,44 6,55 6,30 6,64 5,30 6,58 5,00 1,02 1,05 1,10 1,00 1,00 11,16 11,09 12,92 12,92 7,00 10,28 11,35 5,33 11,20 11,22 11,33 6,24 5,31 5,31

13,23 13,23

13,14 13,14

10,36 16,74 16,74 10,36 11,12 6,38 -

10,36 15,18 15,18 10,34 11,09 6,38 -

10,42 15,17 15,17 10,41 11,13 6,37 -

Indicator I. Third Party Fund 1. iB Demand Deposits Wadia a. Rupiah b. Valas 2. iB Saving Deposits Wadia a. Rupiah b. Valas 3. iB Demand Deposits Mudharabah a. Rupiah b. Valas 4. iB Saving Deposits Mudharabah a. Rupiah b. Valas 5. iB Time Deposits Mudharabah a. Rupiah 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month b. Foreign Currency 1). 1 month 2). 3 month 3). 6 month 4). 12 month 5). >12 month II. Financing, Receivables/Acceptables, ijarah and Salam 1. Profit Sharing Financing a. Mudharabah i. Rupiah ii. Foreign Currency b. Musyarakah i. Rupiah ii. Foreign Currency c. Other Profit Sharing Financing i. Rupiah ii. Foreign Currency 2. Receivables/Acceptables a. Murabahah i. Rupiah ii. Foreign Currency b. Qardh i. Rupiah ii. Foreign Currency c. Istishna' i. Rupiah ii. Foreign Currency 3. Ijarah including Leasing receivables a. Sindication Financing i. Rupiah ii. Foreign Currency b. Financing through Channeling i. Rupiah ii. Foreign Currency c. Financing through Executing i. Rupiah ii. Foreign Currency d. Other Ijarah i. Rupiah ii. Foreign Currency 4. Salam a. Rupiah b. Foreign Currency

50



Tabel 18. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah dan Unit Usaha Syariah

(Average of Margin Rates of Financing Based on Type of Use and Debtor Groups) Persen (Percent) 2014

2015

2016

Indicator

Indikator Nov

r)

Des

r)

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

17,69 20,27

17,68 19,95

17,07 20,80

16,17 19,24

15,72 19,54

15,89 19,72

15,47 19,53

15,16 19,74

14,99 19,42

15,06 18,93

15,18 19,65

15,30 19,52

15,52 19,76

15,22 1. Working Capital 19,62 a. Micro, Small and

20,70 11,52 15,01

20,38 11,14 15,27

21,45 8,35 13,72

19,87 7,68 13,76

20,12 8,13 13,16

20,32 7,76 13,25

20,13 7,66 12,94

20,13 6,85 12,73

19,77 6,80 12,19

19,21 6,89 12,71

19,91 6,86 12,44

19,75 5,83 12,27

19,96 5,38 12,58

19,79 i. Rupiah 6,57 ii. Valas 12,21 b. Non Micro, Small and

15,75 8,30 14,21 15,16

15,85 9,97 14,27 15,07

14,71 7,55 13,87 15,34

14,75 7,06 13,97 15,47

14,03 7,20 13,79 15,65

13,80 8,22 13,83 15,66

13,46 8,13 13,64 15,40

13,48 6,38 12,92 15,22

13,26 4,07 12,56 15,16

13,36 7,34 13,05 15,47

13,20 5,80 13,07 15,91

12,86 6,22 13,14 16,00

13,18 6,42 12,97 15,88

12,70 i. Rupiah 6,87 ii. Valas 12,95 2. Investment 15,71 a. Micro, Small and

i. Rupiah ii. Valas b. Bukan UMKM

16,27 8,83 13,34

16,20 8,75 13,56

16,41 8,82 12,61

16,52 8,66 12,70

16,55 9,23 12,35

16,64 9,78 12,42

16,39 9,75 12,35

15,59 8,32 11,93

15,56 8,22 11,36

15,79 8,13 11,85

16,26 8,16 11,63

16,22 8,05 11,74

16,04 8,57 11,53


i. Rupiah ii. Valas 3. Konsumsi (Bukan UMKM)

14,51 7,56 11,95

14,68 7,62 11,93

13,40 8,03 12,36

13,53 8,05 12,27

13,30 7,82 12,51

13,37 7,85 12,56

13,26 7,85 12,02

12,96 8,12 12,18

12,37 8,06 12,15

12,80 8,57 12,02

12,54 8,48 12,60

12,62 9,00 12,56

12,64 8,02 12,79

12,76 i. Rupiah 7,75 ii. Valas 12,61 3. Consumption (Non Micro,

1. Modal Kerja a. UMKM

Medium Enterprise i. Rupiah ii. Valas b. Bukan UMKM

Medium Enterprise i. Rupiah ii. Valas 2. Investasi a. UMKM

Medium Enterprise

Medium Enterprise

i. Rupiah 11,95 11,93 12,36 12,27 12,51 ii. Valas 2,36 3,10 2,58 4,43 11,17 Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.9

Small and Medium Enterprise) 12,56 11,75

12,02 11,79

12,18 9,86

12,15 9,90

12,02 10,00

12,60 -

12,56 -

12,79 -

12,61 i. Rupiah ii. Valas

Note: r) Revised figures, based on LSMK start on June 2014 and published on October 2014 in Indonesia Banking Statistics (SPI) Table 2.9

51



Tabel 18a. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan dan Golongan Debitur Bank Umum Syariah


2015

2016

Indicator

Indikator Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

18,08 20,47

18,14 20,07

17,62 21,13

16,55 19,31

16,04 19,64

16,03 19,85

15,82 20,30

15,67 20,15

15,63 19,85

15,61 19,79

15,48 19,88

15,48 19,96

15,79 20,24


20,99 11,58 15,43

20,59 11,19 15,86

21,93 8,38 14,06

20,02 7,71 13,77

20,30 8,16 13,02

20,53 7,79 12,85

21,02 7,70 12,48

20,61 6,90 12,92

20,26 6,84 12,46

20,12 6,95 12,59

20,18 6,86 12,26

20,26 5,83 12,25

20,51 5,38 12,70


15,84 8,64 14,93 15,23

16,21 9,66 14,94 15,16

14,52 6,97 14,30 15,42

14,20 7,02 14,43 15,61

13,47 6,34 14,28 15,71

13,25 6,52 14,30 15,70

12,88 6,07 14,18 15,74

13,39 6,61 13,86 16,14

12,98 6,79 13,42 16,01

12,82 9,70 13,43 16,03

12,65 7,02 13,29 15,95

12,65 6,95 13,39 15,99

13,11 7,26 13,47 15,92



16,33 9,15 14,60

16,25 9,12 14,71

16,46 9,15 13,16

16,62 8,98 13,21

16,58 9,53 12,91

16,67 10,08 12,95

16,78 10,04 12,76

16,43 9,23 12,76

16,33 8,94 12,05

16,27 8,94 12,04

16,19 8,89 11,73

16,14 9,05 11,97

16,07 9,07 12,16



15,49 8,26 11,89

15,62 8,27 11,84

13,71 8,99 12,45

13,83 8,93 12,29

13,55 8,70 12,64

13,61 8,69 12,71

13,37 8,69 12,73

13,65 9,21 12,59

12,96 9,02 12,67

12,83 9,17 12,73

12,51 9,07 12,76

12,79 8,93 12,80

12,94 9,16 13,26





Medium Enterprise

Medium Enterprise

i. Rupiah ii. Valas

Small and Medium Enterprise) 11,89 2,36

11,84 3,10

12,46 2,58

12,29 2,42

12,64 12,55

12,71 12,61

12,73 12,69

12,59 9,86

12,67 9,90

12,73 10,00

12,76 -

12,80 -

13,26 -


52



Tabel 18b. Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan dan Golongan Debitur Unit Usaha Syariah


2015

2016

Indicator

Indikator Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

16,01 19,24

15,81 19,28

15,12 19,18

14,84 18,68

14,61 18,78

15,34 18,77

14,18 14,11

13,28 17,13

12,56 16,38

13,08 13,12

14,09 18,15

14,62 17,79

14,44 17,84


19,27 4,40 13,53

19,31 4,38 13,37

19,21 4,31 12,80

18,73 4,29 13,74

18,82 4,33 13,48

18,83 4,24 14,31

14,15 4,21 14,19

17,18 4,19 12,17

16,43 4,16 11,44

13,16 4,30 13,06

18,15 7,00 12,91

17,79 7,00 12,39

17,84 7,00 12,15


15,34 8,01 11,57 14,73

14,41 10,19 11,87 14,54

15,45 7,84 12,21 14,84

16,40 7,08 12,24 14,52

15,77 7,66 12,00 15,22

15,51 9,58 12,10 15,33

15,34 9,74 11,68 12,84

13,79 6,15 9,62 10,46

14,18 1,09 9,51 10,43

15,07 4,84 11,67 12,88

14,93 4,65 12,24 15,66

13,78 4,96 12,24 16,05

13,48 4,95 11,18 15,70



15,86 6,30 10,16

15,91 6,36 10,72

16,07 6,48 11,10

15,81 6,47 11,39

16,30 6,63 11,01

16,39 6,63 11,10

13,60 6,63 11,34

10,94 6,63 9,38

10,90 6,64 9,25

13,44 6,66 11,20

16,71 6,66 11,31

16,70 6,22 11,08

15,93 6,55 9,53



11,50 6,79 12,08

11,98 6,80 12,11

12,44 6,75 12,18

12,69 6,74 12,22

12,58 6,77 12,27

12,66 6,82 12,28

12,92 6,81 10,80

10,70 5,43 11,48

10,55 5,44 11,27

12,67 6,85 10,82

12,62 6,64 12,33

12,04 9,13 12,18

11,49 5,88 12,05





Medium Enterprise

Medium Enterprise

i. Rupiah ii. Valas

Small and Medium Enterprise) 12,08 -

12,11 -

12,18 -

12,22 7,44

12,27 7,39

12,28 7,50

10,80 7,50

11,48 -

11,27 -

10,82 -

12,33 -

12,18 -

12,05 -


53



Tabel 19. Tingkat Margin Rata-rata Pembiayaan Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Bank Umum Syariah dan Unit Usaha Syariah

(Average of Margin Rates of BUS and UUS Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing) Persen (Percent) 2014

Indikator Nov Penerima Kredit Lapangan Usaha Pertanian, perburuan dan Kehutanan a. Rupiah b. Valas Perikanan a. Rupiah b. Valas Pertambangan dan Penggalian a. Rupiah b. Valas Industri Pengolahan a. Rupiah b. Valas Listrik, gas dan air a. Rupiah b. Valas Konstruksi a. Rupiah b. Valas Perdagangan Besar dan Eceran a. Rupiah b. Valas Penyediaan akomodasi dan penyediaan makan minum a. Rupiah b. Valas Transportasi, pergudangan dan komunikasi

r)

2016 Des

r)

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

Indicator Loan to Business Sector Agricultures, Hunting and Forestry a. Rupiah b. Foreign Exchange Fishery a. Rupiah b. Foreign Exchange Mining and Quarrying a. Rupiah b. Foreign Exchange Procesing Industry a. Rupiah b. Foreign Exchange Electricity, Gas and Water a. Rupiah b. Foreign Exchange Construction a. Rupiah b. Foreign Exchange Wholesale and Retail Trade a. Rupiah b. Foreign Exchange Provision of accomodation and the provision of eating and drinking a. Rupiah b. Foreign Exchange Transportation, Warehousing and Communications a. Rupiah b. Foreign Exchange Financial intermediaries a. Rupiah b. Foreign Exchange Real Estate, Business, Ownership, and Business Services a. Rupiah b. Foreign Exchange Government administration, Defese and Compulsory social security a. Rupiah b. Foreign Exchange Education Services a. Rupiah b. Foreign Exchange Health Services and Social Activities a. Rupiah b. Foreign Exchange Community, Sociocultural, Entertainment and Other Individual Services

18,14 18,14 9,00 14,79 15,45 5,96 12,07 15,35 8,60 13,46 14,56 8,13 13,22 14,93 8,16 14,47 14,69 10,64 20,96 21,06 10,28 22,22

18,33 18,33 9,00 14,86 15,52 5,97 12,26 15,39 8,88 13,71 14,98 8,04 13,10 14,84 8,14 14,42 14,65 10,62 21,11 21,24 8,86 19,65

17,61 17,61 9,00 14,71 14,89 7,25 11,35 13,70 8,58 13,24 14,69 6,52 12,21 13,59 8,62 14,10 14,22 11,71 20,18 20,31 8,65 20,48

17,65 17,65 9,00 14,72 14,89 7,25 9,98 11,09 8,32 12,82 14,25 6,56 12,24 13,68 8,60 14,08 14,23 10,78 19,96 20,11 8,11 20,75

16,49 17,11 7,00 14,58 14,74 7,25 9,77 10,53 8,62 12,64 14,12 6,47 11,65 12,84 8,65 13,49 13,69 8,78 20,06 20,25 7,82 18,09

16,09 17,10 9,95 14,13 14,30 7,25 9,66 10,33 8,67 12,74 14,18 6,52 11,71 12,96 8,62 13,14 13,30 9,11 20,37 20,54 8,41 19,47

15,66 16,67 9,88 14,08 14,23 7,25 9,61 10,28 8,72 12,75 14,07 6,73 10,96 12,01 8,56 12,70 12,96 7,48 19,88 20,05 7,55 18,62

15,07 16,46 7,08 12,41 12,52 7,25 9,71 10,50 8,70 12,23 13,71 5,84 10,48 11,97 7,20 12,99 13,27 7,48 18,99 19,13 7,77 17,19

14,89 16,29 7,10 11,98 12,08 7,25 9,43 10,33 8,48 11,96 13,45 5,70 10,19 11,83 7,42 13,14 13,37 5,74 18,94 19,10 7,93 16,90

15,11 16,00 9,88 9,87 9,92 7,25 9,22 9,83 8,52 12,25 13,52 6,55 10,60 11,80 8,47 12,92 13,12 5,62 19,32 19,45 8,80 16,51

15,49 16,46 9,89 10,70 10,76 7,25 9,39 10,08 8,56 11,95 13,43 6,51 11,01 11,95 8,64 13,52 13,74 4,05 19,56 19,64 7,81 17,47

14,91 15,63 9,85 10,68 10,74 7,25 8,71 10,27 7,36 12,24 13,21 8,73 11,31 12,73 8,04 13,45 13,65 3,56 19,55 19,62 7,88 16,65

14,61 15,29 9,83 12,55 12,64 7,25 10,14 12,98 7,41 11,65 13,17 6,18 12,18 13,47 9,05 13,05 13,21 5,33 19,57 19,64 7,91 16,17

14,42 15,06 9,84 12,40 12,48 7,25 9,71 13,02 6,42 11,66 13,00 6,60 12,13 13,20 9,34 12,78 12,92 5,24 19,47 19,54 7,93 15,54

22,22 13,33

19,65 13,78

20,54 7,17 11,03

20,85 10,84 10,62

18,22 4,85 10,84

19,59 6,32 11,51

18,74 4,38 11,24

17,28 6,34 11,03

16,99 5,96 10,24

16,53 7,00 10,92

17,50 7,00 11,03

16,67 7,00 11,74

16,19 7,00 11,98

15,55 7,00 12,14

a. Rupiah b. Valas Perantara Keuangan a. Rupiah b. Valas Real Estate, Usaha Persewaan, dan Jasa Perusahaan a. Rupiah b. Valas Admistrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib a. Rupiah b. Valas Jasa Pendidikan a. Rupiah b. Valas Jasa Kesehatan dan Kegiatan Sosial a. Rupiah b. Valas Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan lainnya

16,99 6,56 18,26 18,36 6,99 16,82

16,80 7,83 17,44 17,53 7,04 17,07

14,12 5,97 18,48 18,58 7,66 14,98

13,70 5,48 17,04 17,11 8,74 14,54

13,64 6,05 16,21 16,27 8,79 13,86

13,56 6,66 15,81 15,86 8,83 13,76

13,16 6,60 15,35 15,39 8,91 13,59

13,54 5,07 14,83 14,86 8,98 13,35

12,37 5,18 14,99 15,02 9,05 12,07

12,57 6,63 14,92 14,95 9,13 12,88

12,69 6,75 14,60 14,64 7,08 12,52

12,69 7,95 14,66 14,68 8,89 13,03

12,90 8,02 14,79 14,81 8,90 12,74

12,98 8,33 13,87 13,89 8,75 12,61

16,09 24,53 18,05

16,36 24,66 18,36

14,13 22,48 15,92

13,83 21,27 16,46

13,26 18,93 16,63

13,21 18,29 16,54

13,03 18,38 16,34

12,73 18,53 16,00

12,88 4,64 16,14

12,70 14,79 14,89

12,99 5,35 15,55

13,47 5,02 17,86

13,21 4,13 17,85

12,99 5,13 17,84

18,05 13,82 13,98 7,19 15,38 15,38 18,25

18,36 13,81 14,00 7,60 15,26 15,26 18,13

15,92 13,31 13,47 7,62 14,05 14,05 19,64

16,46 13,68 13,87 7,86 14,48 14,48 17,13

16,63 13,40 13,57 7,87 14,29 14,29 16,58

16,54 13,44 13,60 7,88 14,08 14,08 16,65

16,34 13,61 13,78 7,90 13,84 13,84 16,94

16,00 13,60 13,76 7,91 13,53 13,53 16,61

16,14 13,63 13,80 7,92 13,58 13,58 16,62

14,89 13,61 13,76 7,93 13,44 13,44 16,65

15,55 13,43 13,58 8,12 13,26 13,26 17,59

17,86 13,49 13,64 8,14 13,20 13,20 16,97

17,85 13,43 13,58 8,15 13,30 13,30 17,87

17,84 13,58 13,73 7,98 13,18 13,18 18,03

a. Rupiah b. Valas Jasa Perorangan yang Melayani Rumah Tangga

18,41 8,68 39,46

18,29 8,72 36,86

20,14 5,57 35,34

17,55 5,89 34,94

16,99 5,90 34,73

17,05 5,89 34,74

17,38 5,59 33,86

17,04 5,34 31,97

17,07 5,35 31,46

17,07 5,14 31,59

18,05 4,85 31,66

17,34 6,12 31,75

18,19 9,27 31,55

18,34 a. Rupiah 9,48 b. Foreign Exchange 30,99 Individual Services which

a. Rupiah b. Valas Badan Internasional dan Badan Ekstra Internasional Lainnya a. Rupiah b. Valas Kegiatan yang belum jelas batasannya

39,46 -

36,86 -

35,34 20,00

34,94 20,00

34,73 33,57

34,74 33,63

33,86 13,43

31,97 33,35

31,46 30,98

31,59 10,57

31,66 31,16

31,75 13,00

31,55 20,00

30,99 a. Rupiah b. Foreign Exchange 10,00 International Agency and Other Extra

14,96

14,94

20,00 15,77

20,00 15,77

33,57 15,69

33,63 15,77

13,43 15,56

33,35 13,84

30,98 14,59

10,57 13,85

31,16 13,76

13,00 13,76

20,00 14,20

10,00 a. Rupiah b. Foreign Exchange 14,03 Business Activities which are not clearly

a. Rupiah b. Valas Penerima Kredit Bukan Lapangan Usaha

14,96 -

14,94 -

15,77 -

15,77 -

15,69 -

15,77 -

15,56 -

13,84 -

14,59 -

13,85 -

13,76 -

13,76 -

14,20 -

14,03 -

Untuk Pemilikan Rumah Tinggal 12,87 12,87 12,53 a. Rupiah 12,87 12,87 12,53 b. Valas Untuk Pemilikan Flat atau Apartemen 12,81 12,96 11,71 a. Rupiah 12,81 12,96 11,71 b. Valas Untuk Pemilikan Ruko atau Rukan 14,38 14,43 13,58 a. Rupiah 14,38 14,43 13,58 b. Valas Untuk Pemilikan Kendaraan Bermotor 13,88 13,87 13,21 a. Rupiah 13,88 13,87 13,21 b. Valas Untuk Pemilikan Peralatan Rumah Tangga Lainnya 10,80 10,72 12,15 (termasuk Pinjaman multiguna) a. Rupiah 10,80 10,72 12,15 b. Valas 3,16 3,10 2,58 Bukan Lapangan Usaha Lainnya 8,40 8,47 11,27 a. Rupiah 8,40 8,47 11,27 b. Valas Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.8

12,76 12,76 7,25 11,75 11,75 14,02 14,02 13,47 13,47 12,45

12,66 12,66 7,25 11,80 11,80 13,81 13,81 13,55 13,55 13,47

12,67 12,67 11,80 11,80 13,71 13,71 13,69 13,69 13,55

11,92 11,92 11,79 11,79 12,60 12,60 13,54 13,54 13,46

12,21 12,21 11,16 11,16 12,43 12,43 13,53 13,53 13,41

12,14 12,14 10,74 10,74 11,86 11,86 12,63 12,63 13,42

11,82 11,82 11,80 11,80 12,40 12,40 12,64 12,64 13,49

12,70 12,70 11,85 11,85 13,86 13,86 12,50 12,50 13,67

12,64 12,64 11,59 11,59 13,84 13,84 12,39 12,39 13,67

12,58 12,58 11,49 11,49 13,73 13,73 12,34 12,34 13,70

12,47 12,47 11,43 11,43 13,51 13,51 12,94 12,94 13,29

12,45 2,42 8,17 8,17 7,45

13,47 12,55 8,40 8,40 7,40

13,55 12,61 8,46 8,46 7,50

13,46 12,69 7,48 7,48 7,50

13,41 9,86 7,74 7,74 -

13,42 9,90 6,88 6,88 -

13,49 10,00 6,30 6,30 -

13,67 6,40 6,40 -

13,67 6,36 6,36 -

13,70 11,16 11,16 -

13,29 a. Rupiah b. Foreign Exchange 10,77 Non Industrial Origin Others 10,77 a. Rupiah b. Foreign Exchange

Serve Households

Agency International

Rumah Tangga

defined a. Rupiah b. Foreign Exchange Loans to Non Industrial Origin House Hold For Home Ownership a. Rupiah b. Foreign Exchange For Apartement Ownership a. Rupiah b. Foreign Exchange For Shop House Ownership a. Rupiah b. Foreign Exchange For Vehicles Ownership a. Rupiah b. Foreign Exchange Multipurpose Loans and Others

Note: r) Revised figures, based on LSMK start on June 2014 and published on October 2014 in Indonesia Banking Statistics (SPI) Table 2.8

54



Tabel 19a. Tingkat Margin Rata-rata Pembiayaan Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Bank Umum Syariah

(Average of Margin Rates of BUS Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing) Persen (Percent) Indikator Penerima Kredit Lapangan Usaha Pertanian, perburuan dan Kehutanan a. Rupiah b. Valas Perikanan a. Rupiah b. Valas Pertambangan dan Penggalian a. Rupiah b. Valas Industri Pengolahan a. Rupiah b. Valas Listrik, gas dan air a. Rupiah b. Valas Konstruksi a. Rupiah b. Valas Perdagangan Besar dan Eceran a. Rupiah b. Valas Penyediaan akomodasi dan penyediaan makan minum a. Rupiah b. Valas Transportasi, pergudangan dan komunikasi

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Feb


18,19 18,19 9,00 16,11 16,11 12,76 15,56 9,09 14,21 14,77 9,40 13,75 14,93 8,97 15,22 15,53 10,88 21,63 21,76 10,28 22,44

18,41 18,41 9,00 16,18 16,18 12,94 15,62 9,41 14,63 15,27 9,39 13,62 14,85 8,90 15,21 15,55 10,85 21,84 21,98 9,62 19,53

17,60 17,60 9,00 15,07 15,07 11,77 13,77 8,96 14,08 14,90 6,59 12,65 13,58 9,46 14,75 14,90 12,10 20,87 21,00 9,29 21,14

17,60 17,60 9,00 15,05 15,05 10,25 11,13 8,65 13,64 14,41 6,91 12,68 13,67 9,41 14,68 14,89 11,10 20,64 20,80 8,60 21,67

16,99 16,99 9,00 14,88 14,88 9,95 10,49 8,99 13,51 14,26 6,90 12,03 12,83 9,43 13,88 14,15 8,94 20,71 20,93 8,08 18,15

16,50 17,02 12,00 14,33 14,33 9,82 10,27 9,04 13,64 14,32 7,07 12,08 12,93 9,38 13,39 13,60 9,31 21,13 21,32 8,62 19,92

16,51 17,03 12,00 14,74 14,74 9,77 10,22 9,08 13,67 14,26 7,16 11,31 12,00 9,29 13,11 13,47 7,51 21,02 21,22 7,82 19,27

16,08 16,54 12,00 12,21 12,21 9,92 10,52 9,03 13,39 14,00 7,10 11,26 11,96 9,27 13,36 13,73 7,52 20,52 20,69 8,01 18,57

15,85 16,31 12,00 11,72 11,72 9,55 10,30 8,70 13,20 13,78 7,30 10,90 11,82 9,03 13,59 13,89 5,57 20,54 20,73 8,14 18,13

15,83 16,26 12,00 9,41 9,41 9,27 9,70 8,73 13,12 13,67 7,21 10,90 11,78 9,01 13,48 13,76 5,44 20,55 20,69 9,13 17,32

15,86 16,31 12,00 10,05 10,05 9,43 9,95 8,76 12,78 13,51 7,65 11,32 11,93 9,39 13,96 14,27 3,56 20,47 20,55 8,35 17,81

15,17 15,48 12,00 10,07 10,07 9,47 10,16 8,57 12,60 13,32 7,51 11,65 12,71 8,57 13,88 14,18 3,56 20,44 20,51 8,51 16,90

15,15 15,45 12,00 12,32 12,32 11,17 12,99 8,65 12,50 13,27 7,14 12,57 13,47 9,85 13,48 13,74 5,33 20,42 20,48 8,54 16,66

14,92 15,19 12,00 12,15 12,15 10,58 13,03 7,11 12,42 13,07 7,61 12,50 13,20 10,22 13,07 13,29 5,24 20,33 20,39 8,58 16,20

22,44 15,20

19,53 15,24

21,15 8,00 12,60

21,76 12,55 12,21

18,27 3,91 12,41

20,03 6,00 12,24

19,38 3,00 12,18

18,66 6,00 12,42

18,19 9,00 11,34

17,32 11,71

17,81 11,62

16,90 11,64

16,66 11,87

16,20 12,03


17,41 9,66 19,02 19,19 6,99 16,86

17,26 9,85 18,53 18,69 7,04 16,95

14,11 7,98 19,29 19,45 7,66 13,78

13,56 7,97 17,20 17,31 8,74 13,33

13,59 8,41 15,96 16,05 8,79 12,77

13,42 8,16 15,49 15,56 8,83 12,69

13,32 8,10 15,10 15,16 8,91 12,40

13,73 7,77 15,20 15,26 8,98 12,10

12,38 7,75 15,33 15,38 9,05 12,14

12,63 8,16 14,78 14,83 9,13 13,05

12,54 8,28 13,97 14,02 7,08 12,19

12,52 8,21 14,09 14,13 8,89 12,96

12,73 8,30 14,33 14,37 8,90 12,92

12,81 8,63 14,07 14,10 8,75 12,77

17,29 8,55 17,99

17,40 8,62 18,31

14,16 8,85 15,77

13,85 6,22 16,30

13,48 5,24 16,48

13,47 4,77 16,39

13,19 4,57 16,38

12,87 4,44 15,73

12,89 4,38 15,88

12,50 19,65 14,92

12,64 4,85 15,17

13,39 4,47 17,84

13,41 3,30 17,83

13,15 4,64 17,82

17,99 14,10 14,30 7,19 15,23 15,23 16,33

18,31 14,07 14,30 7,60 15,07 15,07 16,27

15,77 13,47 13,66 7,62 13,76 13,76 18,12

16,30 13,88 14,10 7,86 14,25 14,25 15,13

16,48 13,64 13,85 7,87 14,06 14,06 14,63

16,39 13,71 13,91 7,88 13,85 13,85 14,61

16,38 13,73 13,91 7,90 13,66 13,66 14,82

15,73 13,73 13,92 7,91 13,58 13,58 14,65

15,88 13,79 13,98 7,92 13,73 13,73 14,85

14,92 13,77 13,93 7,93 13,34 13,34 14,65

15,17 13,53 13,71 8,12 13,10 13,10 15,71

17,84 13,54 13,71 8,14 13,06 13,06 15,05

17,83 13,55 13,72 8,15 13,15 13,15 16,02

17,82 13,65 13,81 7,98 13,02 13,02 16,48


16,50 8,73 40,07

16,43 8,76 37,24

18,67 5,56 35,54

15,56 5,89 35,15

15,05 5,90 34,91

15,02 5,89 34,91

15,28 5,59 34,09

15,11 5,34 32,12

15,32 5,35 31,60

15,10 5,14 31,85

16,22 4,85 31,87

15,44 6,12 31,94

16,34 9,27 31,71

16,81 a. Rupiah 9,48 b. Foreign Exchange 31,11 Individual Services which


40,07 -

37,24 -

35,54 20,00

35,15 20,00

34,91 20,00

34,91 20,00

34,09 20,00

32,12 19,00

31,60 13,00

31,85 13,00

31,87 14,00

31,94 13,00

31,71 20,00

31,11 a. Rupiah b. Foreign Exchange 10,00 International Agency and Other Extra

15,03

14,93

20,00 16,04

20,00 15,97

20,00 15,95

20,00 15,88

20,00 15,37

19,00 13,02

13,00 13,81

13,00 12,72

14,00 12,48

13,00 12,48

20,00 12,48

10,00 a. Rupiah b. Foreign Exchange 12,31 Business Activities which are not clearly


15,03 -

14,93 -

16,04 -

15,97 -

15,95 -

15,88 -

15,37 -

13,02 -

13,81 -

12,72 -

12,48 -

12,48 -

12,48 -

12,31 -

Untuk Pemilikan Rumah Tinggal a. Rupiah b. Valas Untuk Pemilikan Flat atau Apartemen a. Rupiah b. Valas Untuk Pemilikan Ruko atau Rukan a. Rupiah b. Valas Untuk Pemilikan Kendaraan Bermotor a. Rupiah b. Valas Untuk Pemilikan Peralatan Rumah Tangga Lainnya (termasuk Pinjaman multiguna)

12,87 12,87 15,76 15,76 13,40 13,40 14,41 14,41 10,92

12,85 12,85 15,78 15,78 13,36 13,36 14,60 14,60 10,79

12,19 12,19 12,52 12,52 12,51 12,51 13,69 13,69 12,50

12,54 12,54 12,61 12,61 13,08 13,08 14,06 14,06 12,87

12,42 12,42 12,61 12,61 12,99 12,99 14,04 14,04 14,09

12,39 12,39 12,54 12,54 12,80 12,80 14,24 14,24 14,18

12,52 12,52 12,59 12,59 13,10 13,10 14,11 14,11 14,24

12,33 12,33 12,51 12,51 12,87 12,87 14,06 14,06 14,12

12,38 12,38 12,47 12,47 13,02 13,02 14,05 14,05 14,17

12,38 12,38 12,37 12,37 12,89 12,89 14,04 14,04 14,28

12,37 12,37 12,36 12,36 12,98 12,98 13,99 13,99 14,32

12,39 12,39 12,28 12,28 12,95 12,95 13,91 13,91 14,37

12,41 12,41 12,26 12,26 13,11 13,11 13,91 13,91 14,42

12,26 12,26 12,20 12,20 12,84 12,84 13,83 13,83 13,92

a. Rupiah b. Valas Bukan Lapangan Usaha Lainnya a. Rupiah b. Valas

10,93 3,16 7,03 7,03 -

10,79 3,10 7,11 7,11 -

12,50 2,58 12,43 12,43 -

12,88 2,42 6,57 6,57 -

14,09 12,55 6,78 6,78 -

14,18 12,61 7,32 7,32 -

14,24 12,69 5,96 5,96 -

14,12 9,86 5,86 5,86 -

14,17 9,90 6,08 6,08 -

14,28 10,00 5,98 5,98 -

14,32 5,43 5,43 -

14,37 5,34 5,34 -

14,42 13,15 13,15 -


Serve Households


Rumah Tangga


55



Tabel 19b. Tingkat Margin Rata-rata Pembiayaan Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Unit Usah Syariah

(Average of Margin Rates of UUS Financing to Non Banks Third Party Based on Business Sector and non Business Sector of Financing) Persen (Percent) Indikator Penerima Kredit Lapangan Usaha Pertanian, perburuan dan Kehutanan a. Rupiah b. Valas Perikanan a. Rupiah b. Valas Pertambangan dan Penggalian a. Rupiah b. Valas Industri Pengolahan a. Rupiah b. Valas Listrik, gas dan air a. Rupiah b. Valas Konstruksi a. Rupiah b. Valas Perdagangan Besar dan Eceran a. Rupiah b. Valas Penyediaan akomodasi dan penyediaan makan minum a. Rupiah b. Valas Transportasi, pergudangan dan komunikasi

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Feb


17,81 17,81 12,59 14,10 5,96 7,34 9,85 6,88 10,16 12,98 6,85 6,54 14,29 6,00 12,25 12,32 7,00 17,13 17,13 21,39

17,93 17,93 12,64 14,17 5,97 7,43 9,81 6,95 10,06 13,05 6,82 6,50 14,07 6,00 12,20 12,27 7,00 17,09 17,21 4,27 20,14

17,72 17,72 13,59 14,26 7,25 7,87 11,86 6,99 9,62 13,03 6,46 6,46 15,87 6,00 12,26 12,33 7,00 16,35 16,47 4,26 18,21

17,97 17,97 13,59 14,28 7,25 7,45 9,72 6,95 9,46 13,03 6,29 6,46 15,88 6,00 12,43 12,50 7,00 16,17 16,28 4,26 17,72

14,31 17,88 7,00 13,46 14,14 7,25 7,95 11,99 6,97 9,23 13,03 6,16 6,48 15,41 6,00 12,45 12,52 7,00 16,29 16,39 4,87 17,85

14,27 17,60 7,00 13,51 14,18 7,25 8,14 11,91 6,99 9,13 13,01 6,15 6,78 18,01 6,00 12,48 12,55 7,00 15,96 16,03 5,17 17,61

11,77 14,37 7,00 11,84 12,34 7,25 8,16 11,90 7,00 9,00 12,37 6,48 6,50 13,05 6,00 11,59 11,64 7,00 13,27 13,34 4,84 15,95

10,40 15,93 0,47 13,16 13,79 7,25 7,74 10,09 6,99 7,47 11,00 5,07 0,86 14,51 12,00 12,06 7,00 10,65 10,69 5,62 12,16

10,35 16,22 0,50 12,96 13,60 7,25 8,14 10,94 7,01 6,83 10,24 4,72 0,92 14,02 12,00 12,06 7,00 10,06 10,10 5,70 12,03

11,76 14,33 7,00 11,88 12,39 7,25 8,69 12,40 7,04 8,49 12,01 6,16 6,54 13,83 6,00 11,50 11,55 7,00 12,65 12,70 5,73 13,32

13,84 17,36 7,00 13,70 14,41 7,25 8,92 12,61 7,05 8,41 12,72 5,49 6,64 15,32 6,00 12,52 12,58 7,00 14,58 14,67 5,79 16,22

13,66 16,58 7,00 13,72 14,43 7,25 5,99 12,55 5,23 10,77 12,27 9,74 6,62 15,20 6,00 12,52 12,52 14,35 14,44 5,79 15,65

12,10 14,34 6,93 13,71 14,42 7,25 6,59 12,86 5,21 8,18 12,33 5,35 6,53 13,35 6,00 12,18 12,18 14,48 14,57 5,79 14,41

12,09 14,30 6,93 13,74 14,45 7,25 6,68 12,86 5,20 8,55 12,41 5,76 6,54 13,30 6,00 12,19 12,19 14,30 14,38 5,78 13,69

21,39 7,01

20,14 8,87

18,38 7,00 7,17

17,88 7,00 6,66

18,02 7,00 7,13

17,77 7,00 8,68

16,08 7,00 7,67

12,23 7,00 5,66

12,19 6,13

13,40 7,00 8,00

16,33 7,00 8,83

15,75 7,00 12,47

14,48 7,00 12,71

13,74 7,00 12,83


14,58 1,32 16,60 16,60 16,71

14,29 4,46 15,15 15,15 17,36

14,18 4,25 16,89 16,89 18,10

14,66 3,37 16,74 16,74 17,74

13,95 4,27 16,67 16,67 16,40

14,61 4,45 16,42 16,42 16,26

12,04 4,43 15,82 15,82 16,02

12,15 1,27 14,14 14,14 15,97

12,26 1,31 14,40 14,40 11,87

12,18 4,46 15,15 15,15 12,35

13,58 4,39 15,68 15,68 13,63

13,76 5,61 15,59 15,59 13,32

14,08 5,61 15,51 15,51 12,06

13,94 5,72 13,58 13,58 12,00

12,40 35,83 43,82

13,41 36,18 43,89

14,03 36,87 43,78

13,76 36,89 43,81

12,70 37,26 43,84

12,58 37,61 43,87

12,70 37,97 9,24

12,42 38,33 45,85

12,84 5,14 44,35

13,33 5,11 9,28

14,21 6,65 44,34

13,78 6,57 46,00

12,43 6,57 46,00

12,36 6,56 46,00

43,82 11,73 11,73 16,48 16,48 25,99

43,89 11,82 11,82 16,57 16,57 25,76

43,78 11,93 11,93 15,91 15,91 26,74

43,81 11,92 11,92 15,95 15,95 25,57

43,84 11,18 11,18 15,83 15,83 24,99

43,87 10,91 10,91 15,41 15,41 25,16

9,24 12,53 12,53 14,96 14,96 25,12

45,85 12,29 12,29 13,16 13,16 24,04

44,35 12,17 12,17 12,69 12,69 23,61

9,28 12,12 12,12 14,05 14,05 24,12

44,34 12,49 12,49 14,20 14,20 24,57

46,00 12,98 12,98 14,10 14,10 24,50

46,00 12,33 12,33 14,24 14,24 24,74

46,00 12,93 12,93 14,19 14,19 23,81


26,04 6,75 16,78

25,79 6,75 17,10

26,76 6,75 17,45

25,58 6,75 17,38

24,99 6,75 17,34

25,16 17,94

25,12 11,60

24,04 15,99

23,61 15,10

24,12 11,50

24,57 16,01

24,50 16,23

24,74 19,24

23,81 a. Rupiah b. Foreign Exchange 23,59 Individual Services which


16,78 -

17,10 -

17,45 -

17,38 -

17,34 43,00

17,94 43,00

11,60 9,00

15,99 43,00

15,10 43,00

11,50 9,00

16,01 41,13

16,23 -

19,24 -

23,59 a. Rupiah b. Foreign Exchange International Agency and Other Extra

14,16

15,05

14,99

15,21

43,00 15,05

43,00 15,50

9,00 16,03

43,00 15,54

43,00 16,03

9,00 15,82

41,13 15,96

15,85

17,54

a. Rupiah b. Foreign Exchange 17,13 Business Activities which are not clearly


14,16 -

15,05 -

14,99 -

15,21 -

15,05 -

15,50 -

16,03 -

15,54 -

16,03 -

15,82 -

15,96 -

15,85 -

17,54 -

17,13 -

Untuk Pemilikan Rumah Tinggal a. Rupiah b. Valas Untuk Pemilikan Flat atau Apartemen a. Rupiah b. Valas Untuk Pemilikan Ruko atau Rukan a. Rupiah b. Valas Untuk Pemilikan Kendaraan Bermotor a. Rupiah b. Valas Untuk Pemilikan Peralatan Rumah Tangga Lainnya (termasuk Pinjaman multiguna)

12,88 12,88 10,34 10,34 17,27 17,27 12,44 12,44 10,03

12,91 12,91 10,60 10,60 17,48 17,48 11,92 11,92 10,35

12,99 12,99 10,91 10,91 16,44 16,44 12,02 12,02 10,43

13,04 13,04 7,25 10,90 10,90 16,54 16,54 12,06 12,06 10,47

12,98 12,98 7,25 11,02 11,02 15,85 15,85 12,45 12,45 10,70

13,04 13,04 11,10 11,10 15,85 15,85 12,47 12,47 10,83

11,12 11,12 11,02 11,02 11,44 11,44 12,28 12,28 10,21

12,06 12,06 9,78 9,78 11,39 11,39 12,35 12,35 10,52

11,83 11,83 9,12 9,12 9,29 9,29 11,25 11,25 10,54

11,11 11,11 11,11 11,11 11,47 11,47 11,24 11,24 10,37

13,13 13,13 11,22 11,22 15,54 15,54 11,01 11,01 11,24

12,94 12,94 10,80 10,80 15,49 15,49 10,85 10,85 11,16

12,79 12,79 10,48 10,48 14,78 14,78 10,77 10,77 11,14

12,74 12,74 10,43 10,43 14,58 14,58 11,36 11,36 11,15

a. Rupiah b. Valas Bukan Lapangan Usaha Lainnya a. Rupiah b. Valas

10,03 9,95 9,95 -

10,35 9,93 9,93 -

10,43 10,06 10,06 -

10,47 9,89 9,89 7,45

10,70 10,18 10,18 7,40

10,83 9,75 9,75 7,50

10,21 9,02 9,02 7,50

10,52 9,60 9,60 -

10,54 8,66 8,66 -

10,37 7,00 7,00 -

11,24 8,31 8,31 -

11,16 8,28 8,28 -

11,14 8,11 8,11 -


Serve Households


Rumah Tangga


56



Tabel 20. Jumlah Rekening Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah dan Unit Usaha Syariah ( Number of Account of Financing and Third Party Fund Sharia Commercial Bank dan Sharia Business Unit ) 2014

Tipe Nov Dana Pihak Ketiga 1. Dana Simpanan Wadiah a. Giro b. Tabungan 2. Dana Investasi Non Profit Sharing a. Giro b. Tabungan c. Deposito 3. Dana Investasi Profit Sharing a. Giro b. Tabungan c. Deposito Pembiayaan, Piutang dan Salam 1. Pembiayaan Bagi Hasil a. Mudharabah b. Musyarakah c. Pembiayaan Bagi Hasil Lainnya 2. Piutang a. Murabahah b. Qardh c. Istishna' 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi b. Pembiayaan secara Channeling c. Pembiayaan secara Executing d. Pembiayaan Sewa Lainnya 4. Salam Ket: r) Angka-angka diperbaiki,

r)

2015 Des

r)

Mar

r)

Apr

r)

Mei

r)

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

14.169.101 7.706.959 141.396 7.565.563 6.452.513 6.310 6.182.873 263.330 9.629 8.843 786 3.756.652

14.386.575 7.839.978 142.557 7.697.421 6.537.113 6.491 6.263.912 266.710 9.484 2 8.737 745 3.769.181

14.688.766 8.057.382 143.428 7.913.954 6.623.251 7.419 6.343.775 272.057 8.133 4 7.435 694 3.693.397

14.761.201 8.089.812 144.259 7.945.553 6.663.228 7.764 6.381.858 273.606 8.161 3 7.447 711 3.673.241

14.836.942 8.202.919 145.153 8.057.766 6.625.670 7.930 6.343.808 273.932 8.353 3 7.600 750 3.660.914

14.904.106 8.287.366 146.041 8.141.325 6.608.335 8.139 6.326.562 273.634 8.405 3 7.658 744 3.693.455

14.834.941 8.187.710 146.458 8.041.252 6.638.884 8.265 6.351.684 278.935 8.347 3 7.610 734 3.692.753

14.960.352 8.261.662 147.081 8.114.581 6.690.324 8.410 6.400.863 281.051 8.366 3 7.647 716 3.711.060

15.865.950 8.465.890 154.385 8.311.505 7.391.685 8.774 7.055.312 327.599 8.375 3 7.673 699 3.715.707

16.206.916 8.710.063 158.123 8.551.940 7.488.437 8.964 7.148.458 331.015 8.416 2 7.713 701 3.737.763

18.169.776 8.932.142 168.995 8.763.147 9.229.122 9.221 8.933.326 286.575 8.512 2 7.788 722 3.741.579

18.481.911 9.127.253 169.801 8.957.452 9.346.149 9.384 9.044.749 292.016 8.509 2 7.794 713 3.746.565

18.691.638 9.263.573 189.140 9.074.433 9.425.439 9.424 9.120.683 295.332 2.626 2.508 118 3.747.771

116.724 42.460 55.953 18.311 3.564.012 3.197.786 363.337 2.889 75.916 4 1.655 74.257 -

119.592 47.191 55.868 16.533 3.576.863 3.230.490 343.402 2.971 72.726 3 1.443 71.280 -

114.544 47.003 54.988 12.553 3.511.912 3.202.628 306.190 3.094 66.941 4 1.273 65.664 -

103.852 41.937 55.325 6.590 3.504.027 3.201.936 298.948 3.143 65.362 4 272 65.086 -

98.062 41.956 55.926 180 3.498.604 3.199.666 295.710 3.228 64.248 4 271 63.973 -

97.910 41.785 56.125 3.531.877 3.236.128 292.458 3.291 63.668 4 263 63.401 -

97.323 41.395 55.928 3.532.399 3.244.881 284.226 3.292 63.031 6 266 62.759 -

97.450 41.217 56.233 3.551.464 3.266.100 282.026 3.338 62.146 3 266 61.877 -

97.774 41.254 56.520 3.556.847 3.276.988 276.463 3.396 61.086 4 248 60.834 -

97.513 41.049 56.464 3.580.201 3.307.221 269.571 3.409 60.049 3 247 59.799 -

96.860 40.488 56.372 3.585.466 3.318.866 263.134 3.466 59.253 3 247

96.284 40.011 56.273 3.592.737 3.334.417 254.796 3.524 57.544 3 222

59.003 -

57.319 -

95.074 39.554 55.520 3.602.333 3.347.499 251.307 3.527 50.364 3 224 50.137 -

Feb

Type

18.921.043 Third Paty Fund 9.397.143 1. Demand Deposits Wadia 191.058 a. Demand Deposits Wadia 9.206.085 b. iB Saving Deposits Wadia 9.521.216 2. Non Profit Sharing Investment Fund 9.573 a. Demand Deposits 9.216.240 b. Saving Deposits 295.403 c. Time Deposits 2.684 3. Profit Sharing Investment Fund a. Demand Deposits 2.559 b. Saving Deposits 125 c. Time Deposits 3.736.275 Financing, Receivables/Acceptables, Ijarah and Salam 94.759 1. Profit Sharing Financing 39.269 a. Mudharabah 55.490 b. Musyarakah c. Others 3.591.735 2. Receivables/Acceptables 3.338.869 a. Murabahah 249.314 b. Qardh 3.552 c. Istishna' 49.781 3. Ijarah including Leasing receivables 3 a. Sindication Financing 223 b. Financing through Channeling c. Financing through Executing 49.555 d. Other Ijarah 4. Salam

Note: r) Revised figures

57



Tabel 20a. Jumlah Rekening Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah ( Number of Account of Financing and Third Party Fund Sharia Commercial Bank ) Tipe Dana Pihak Ketiga 1. Dana Simpanan Wadiah a. Giro b. Tabungan 2. Dana Investasi Non Profit Sharing a. Giro b. Tabungan c. Deposito 3. Dana Investasi Profit Sharing a. Giro b. Tabungan c. Deposito Pembiayaan, Piutang dan Salam 1. Pembiayaan Bagi Hasil a. Mudharabah b. Musyarakah c. Pembiayaan Bagi Hasil Lainnya 2. Piutang a. Murabahah b. Qardh c. Istishna' 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi b. Pembiayaan secara Channeling c. Pembiayaan secara Executing d. Pembiayaan Sewa Lainnya 4. Salam

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

11.568.258 6.477.583 118.853 6.358.730 5.083.130 1.501 4.856.981 224.648 7.545 6.833 712 3.202.344

11.730.009 6.586.628 119.928 6.466.700 5.136.029 1.535 4.908.717 225.777 7.352 2 6.684 666 3.201.156

11.901.156 6.749.942 120.530 6.629.412 5.145.283 2.074 4.916.136 227.073 5.931 3 5.310 618 3.124.642

11.927.813 6.767.249 121.099 6.646.150 5.154.661 2.266 4.925.172 227.223 5.903 3 5.281 619 3.109.942

11.960.189 6.866.681 121.508 6.745.173 5.087.508 2.306 4.858.499 226.703 6.000 3 5.342 655 3.093.581

12.004.937 6.962.754 122.051 6.840.703 5.036.169 2.380 4.808.029 225.760 6.014 3 5.369 642 3.128.252

11.957.348 6.908.787 122.361 6.786.426 5.042.629 2.442 4.810.138 230.049 5.932 3 5.302 627 3.128.694

12.097.005 7.026.779 122.647 6.904.132 5.064.301 2.502 4.829.908 231.891 5.925 3 5.313 609 3.128.946

12.986.843 7.248.532 129.592 7.118.940 5.732.418 2.701 5.450.762 278.955 5.893 3 5.301 589 3.137.415

13.302.789 7.503.321 133.022 7.370.299 5.793.586 2.766 5.509.137 281.683 5.882 2 5.294 586 3.157.096

15.220.941 7.703.156 143.677 7.559.479 7.511.841 2.880 7.270.830 238.131 5.944 2 5.338 604 3.164.511

15.476.183 7.876.839 144.289 7.732.550 7.593.422 2.932 7.349.403 241.087 5.922 2 5.322 598 3.182.083

15.655.195 7.994.300 163.660 7.830.640 7.660.895 2.931 7.413.021 244.943 3.188.589

94.437 28.671 47.455 18.311 3.071.415 2.769.848 301.279 288 36.492 4 36.488 -

92.228 28.483 47.212 16.533 3.073.119 2.791.179 281.657 283 35.809 3 35.806 -

85.968 27.148 46.267 12.553 3.004.304 2.759.551 244.484 269 34.370 4 34.366 -

79.654 26.661 46.403 6.590 2.996.267 2.759.244 236.753 270 34.021 4 34.017 -

73.233 26.249 46.804 180 2.986.682 2.754.417 231.996 269 33.666 4 33.662 -

72.526 25.734 46.792 3.022.286 2.794.276 227.744 266 33.440 4 33.436 -

71.666 25.223 46.443 3.023.945 2.804.420 219.267 258 33.083 6 33.077 -

71.371 24.861 46.510 3.024.899 2.808.833 215.810 256 32.676 3 32.673 -

71.126 24.583 46.543 3.034.088 2.824.714 209.122 252 32.201 3 32.198 -

70.590 24.283 46.307 3.054.661 2.854.297 200.134 230 31.845 3

69.850 23.785 46.065 3.063.130 2.871.615 191.289 226 31.531 3

31.842 -

31.528 -

69.169 23.313 45.856 3.081.952 2.900.453 181.280 219 30.962 3 30.959 -

68.077 23.029 45.048 3.090.084 2.913.366 176.514 204 30.428 3 30.425 -

Type

Feb

15.820.863 Third Paty Fund 8.106.090 1. Demand Deposits Wadia 165.502 a. Demand Deposits Wadia 7.940.588 b. iB Saving Deposits Wadia 7.714.773 2. Non Profit Sharing Investment Fund 2.963 a. Demand Deposits 7.468.275 b. Saving Deposits 243.535 c. Time Deposits 3. Profit Sharing Investment Fund a. Demand Deposits b. Saving Deposits c. Time Deposits 3.192.099 Financing, Receivables/Acceptables, Ijarah and Salam 67.661 1. Profit Sharing Financing 22.799 a. Mudharabah 44.862 b. Musyarakah

c. Others 3.094.333 2. Receivables/Acceptables 2.921.961 a. Murabahah 172.177 b. Qardh 195 c. Istishna' 30.105 3. Ijarah including Leasing receivables 3 a. Sindication Financing b. Financing through Channeling c. Financing through Executing 30.102 d. Other Ijarah 4. Salam

58



Tabel 20b. Jumlah Rekening Pembiayaan dan Dana Pihak Ketiga Unit Usaha Syariah ( Number of Account of Financing and Third Party Fund Sharia Business Unit ) Tipe

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016

Ags

Sep

Okt

Nov

Dana Pihak Ketiga 1. Dana Simpanan Wadiah a. Giro b. Tabungan 2. Dana Investasi Non Profit Sharing a. Giro b. Tabungan c. Deposito 3. Dana Investasi Profit Sharing a. Giro b. Tabungan c. Deposito Pembiayaan, Piutang dan Salam

2.600.843 1.229.376 22.543 1.206.833 1.369.383 4.809 1.325.892 38.682 2.084 2.010 74 554.308

2.656.566 1.253.350 22.629 1.230.721 1.401.084 4.956 1.355.195 40.933 2.132 2.053 79 568.025

2.787.610 1.307.440 22.898 1.284.542 1.477.968 5.345 1.427.639 44.984 2.202 1 2.125 76 568.755

2.833.388 1.322.563 23.160 1.299.403 1.508.567 5.498 1.456.686 46.383 2.258 2.166 92 563.299

2.876.753 1.336.238 23.645 1.312.593 1.538.162 5.624 1.485.309 47.229 2.353 2.258 95 567.333

2.909.119 1.327.210 24.029 1.303.181 1.579.518 5.759 1.525.877 47.882 2.391 2.289 102 565.203

2.909.124 1.327.210 24.029 1.303.181 1.579.518 5.759 1.525.877 47.882 2.396 2.289 107 564.059

2.873.309 1.237.576 24.470 1.213.106 1.633.292 5.908 1.578.218 49.166 2.441 2.334 107 582.126

2.889.805 1.220.173 24.829 1.195.344 1.667.150 6.073 1.612.426 48.651 2.482 2.372 110 578.304

2.915.382 1.210.036 25.138 1.184.898 1.702.812 6.198 1.647.275 49.339 2.534 2.419 115 580.680

2.969.052 1.232.495 25.349 1.207.146 1.733.989 6.341 1.679.196 48.452 2.568

1. Pembiayaan Bagi Hasil a. Mudharabah b. Musyarakah c. Pembiayaan Bagi Hasil Lainnya 2. Piutang a. Murabahah b. Qardh c. Istishna' 3. Pembiayaan Sewa (Ijarah) a. Pembiayaan Sindikasi b. Pembiayaan secara Channeling c. Pembiayaan secara Executing d. Pembiayaan Sewa Lainnya 4. Salam

22.287 13.789 8.498 492.597 427.938 62.058 2.601 39.424 1.655 37.769 -

27.364 18.708 8.656 503.744 439.311 61.745 2.688 36.917 1.443 35.474 -

28.576 19.855 8.721 507.608 443.077 61.706 2.825 32.571 1.273 31.298 -

24.198 15.276 8.922 507.760 442.692 62.195 2.873 31.341 272 31.069 -

24.829 15.707 9.122 511.922 445.249 63.714 2.959 30.582 271 30.311 -

25.384 16.051 9.333 509.591 441.852 64.714 3.025 30.228 263 29.965 -

25.657 16.172 9.485 508.454 440.461 64.959 3.034 29.948 266 29.682 -

26.085 16.362 9.723 526.571 457.273 66.216 3.082 29.470 266 29.204 -

26.654 16.677 9.977 522.765 452.280 67.341 3.144 28.885 1 248 28.636 -

26.929 16.772 10.157 525.547 452.931 69.437 3.179 28.204 247 27.957 -

27.013 16.706 10.307

2.450 118 577.079

522.344 447.259 71.845 3.240 27.722 247 27.475 -

Des

Jan

3.026.136 1.254.017 25.542 1.228.475 1.769.532 6.452 1.712.143 50.937 2.587 2.472 115 564.498

3.058.282 1.272.921 25.511 1.247.410 1.782.735 6.493 1.725.785 50.457 2.626 2.508 118 559.196

27.121 16.704 10.417 510.795 433.974 73.516 3.305 26.582 222 26.360 -

27.001 16.529 10.472 512.259 434.143 74.793 3.323 19.936 224 19.712 -

Feb 3.122.132 1.294.748 25.588 1.269.160 1.824.700 6.610 1.766.156 51.934 2.684 2.559 125 544.192

Type Third Paty Fund 1. Demand Deposits Wadia a. Demand Deposits Wadia b. iB Saving Deposits Wadia 2. Non Profit Sharing Investment Fund a. Demand Deposits b. Saving Deposits c. Time Deposits 3. Profit Sharing Investment Fund a. Demand Deposits b. Saving Deposits c. Time Deposits Financing, Receivables/Acceptables, Ijarah and Salam

27.102 1. Profit Sharing Financing 16.474 a. Mudharabah 10.628 b. Musyarakah c. Others 497.414 2. Receivables/Acceptables 416.920 a. Murabahah 77.137 b. Qardh 3.357 c. Istishna' 19.676 3. Ijarah including Leasing receivables a. Sindication Financing 223 b. Financing through Channeling c. Financing through Executing 19.453 d. Other Ijarah 4. Salam

59



Tabel 21. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah dan Unit Usaha Syariah ( Number of Customer of Financing and Third Party Fund Sharia Commercial Bank dan Sharia Business Unit ) 2014

2015

2016

Tipe

Type Nov

Dana Pihak Ketiga Pembiayaan, Piutang dan Salam

11.274.229 3.134.642

Des 11.444.013 3.175.910

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

11.722.091 3.235.157

11.766.309 3.297.970

11.834.686 3.300.689

11.901.618 3.318.514

11.813.587 3.320.347

11.899.244 3.332.805

12.555.983 3.337.792

12.759.506 3.375.641

14.499.100 3.382.410

14.761.002 3.401.887

Jan 14.962.301 3.418.683

Feb 15.158.820 Third Paty Fund 3.413.676 Financing,

Receivables/Acceptables, Ijarah and Salam

60



Tabel 21a. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Bank Umum Syariah ( Number of Customer of Financing and Third Party Fund Sharia Commercial Bank ) 2014

2015

2016

Tipe

Type Nov


9.327.445 2.655.413

Des 9.456.882 2.684.382

Mar 9.630.238 2.740.371

Apr 9.640.989 2.803.861

Mei 9.676.708 2.801.072

Jun 9.724.931 2.820.440

Jul 9.669.979 2.821.884

Ags 9.782.424 2.816.664

Sep

Okt

Nov

Des

10.434.649 2.824.114

10.627.911 2.845.418

12.325.570 2.855.408

12.548.747 2.886.860

Jan 12.706.419 2.906.779

Feb 12.855.698 Third Paty Fund 2.918.702 Financing,


61



Tabel 21b. Jumlah Nasabah Pembiayaan dan Dana Pihak Ketiga Unit Usaha Syariah ( Number of Customer of Financing and Third Party Fund Sharia Business Unit ) 2014

2015

2016

Tipe

Type Nov


1.988.154 482.517

Des 2.028.329 494.570

Mar 2.132.917 498.990

Apr 2.165.537 499.413

Mei 2.196.793 504.638

Jun 2.214.864 502.890

Jul 2.181.206 503.104

Ags 2.154.041 520.530

Sep 2.158.233 517.090

Okt 2.168.082 533.431

Nov 2.209.873 530.030

Des 2.248.147 518.019

Jan 2.291.464 514.533

Feb 2.355.306 Third Paty Fund 497.450 Financing,


62




Tabel 22. Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator 1 Dana Simpanan Wadiah a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas 2 Dana Investasi Non Profit Sharing a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas c. Deposito i. Rupiah a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan 3 Dana Investasi Profit Sharing

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Indicator

Feb

26.845 15.360 12.722 2.638 11.485 11.362 123 181.660

29.073 16.512 13.613 2.900 12.561 12.414 147 187.638

30.072 17.612 13.594 4.018 12.460 12.318 142 181.861

30.639 18.187 13.743 4.443 12.452 12.311 141 182.206

32.072 19.428 15.220 4.209 12.644 12.497 147 182.045

31.386 18.664 14.722 3.941 12.722 12.580 143 180.905

31.807 18.212 14.450 3.762 13.595 13.440 155 183.293

30.288 16.748 13.394 3.354 13.540 13.378 161 185.021

31.050 16.996 13.368 3.629 14.053 13.885 168 187.254

29.400 15.762 12.737 3.025 13.638 13.485 153 189.097

30.314 16.261 12.632 3.629 14.053 13.896 157 189.212

32.532 17.327 14.395 2.931 15.206 15.052 154 197.475

30.399 15.726 12.899 2.827 14.672 14.524 148 198.656

31.244 15.982 12.948 3.034 15.262 15.115 148 200.536

1.644 1.369 275 47.591 47.097 493 132.425 122.501 90.877 19.034 7.440 5.132 18 9.924 8.123 1.291 379 130 0 1.140

2.132 1.790 342 50.949 50.441 508 134.556 124.999 94.041 19.758 5.905 5.270 25 9.558 8.204 780 381 192 1 1.148

2.654 1.947 707 48.658 48.102 557 130.549 121.007 90.984 18.947 5.764 5.288 24 9.542 8.634 601 121 185 0 1.055

2.394 1.851 543 49.003 48.410 593 130.809 121.841 91.527 18.530 6.539 5.203 42 8.969 7.409 961 422 177 0 1.128

3.855 2.934 922 49.435 48.814 621 128.755 117.891 91.803 15.624 5.758 4.686 20 10.863 8.808 853 1.111 92 1.222

3.264 2.823 441 48.247 47.614 633 129.394 118.734 88.725 19.335 5.358 5.292 24 10.660 8.314 993 1.267 85 1 1.187

2.624 2.163 461 49.287 48.658 629 131.382 120.420 90.051 20.256 4.877 5.209 28 10.962 8.802 1.082 994 83 983

3.451 3.074 376 49.476 48.786 690 132.095 121.134 92.682 18.481 4.719 5.224 27 10.961 8.602 2.001 264 94 0 1.047

3.675 3.143 532 49.822 49.096 726 133.757 122.938 92.409 19.543 5.791 5.180 15 10.819 8.507 2.014 188 110 0 1.010

3.844 3.211 632 49.918 49.173 745 135.336 124.901 94.840 18.516 6.308 5.225 13 10.434 8.277 1.576 463 118 980

3.504 2.827 677 50.247 49.487 760 135.461 125.935 95.044 19.138 6.332 5.408 13 9.526 7.460 1.481 456 130 0 1.109

3.859 2.997 861 53.388 52.623 765 140.228 130.749 95.816 23.383 6.098 5.354 96 9.479 7.935 890 467 187

3.635 2.657 978 52.948 52.234 714 142.074 132.682 102.656 18.585 5.903 5.438 100 9.391 7.662 1.321 218 191 39

3.385 2.864 521 53.798 52.983 816 143.352 133.547 101.664 19.533 6.961 5.292 96 9.806 7.858 1.497 272 179 39

a. Giro 4 15 77 14 i. Rupiah 4 15 77 14 ii. Valas b. Tabungan 117 71 68 76 73 i. Rupiah 117 71 68 76 73 ii. Valas c. Deposito 1.022 1.072 973 975 1.135 i. Rupiah 1.022 1.072 973 975 1.135 a. 1 Bulan 897 856 756 782 1.011 b. 3 Bulan 92 77 181 158 76 c. 6 Bulan 15 116 14 21 34 d. 12 Bulan 19 24 22 13 14 e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan Ket: r) Angka-angka diperbaiki, mulai bulan Juni 2014 berdasarkan LSMK. Revisi tersebut dilakukan pada SPI Tabel 2.6 dan SPS Tabel 14

15 15 60 60 1.112 1.112 885 87 140 0 -

15 15 58 58 910 910 711 74 123 2 -

7 7

7 7

6 6

49 49 991 991 793 88 109 2 -

53 53 950 950 747 190 10 3 -

50 50 924 924 696 212 10 6 -

Note:

1.168

iB Wadia a. Demand Deposits Wadia i. Rupiah ii. Foreign Currency b. iB Saving Deposits Wadia i. Rupiah ii. Foreign Currency Non Profit Sharing Investment Fund a. Demand Deposits i. Rupiah ii. Foreign Currency b. Saving Deposits i. Rupiah ii. Foreign Currency c. Time Deposits i. Rupiah a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month Profit Sharing Investment Fund

a. Demand Deposits i. Rupiah ii. Foreign Currency 49 60 8 9 b. Saving Deposits 49 60 8 9 i. Rupiah ii. Foreign Currency 1.052 1.101 31 31 c. Time Deposits 1.052 1.101 31 31 i. Rupiah 880 890 17 19 a. 1 month 129 82 2 1 b. 3 month 35 119 9 9 c. 6 month 7 11 2 2 d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month r) Revised figures, based on LSMK start on June 2014 and published on October 2014 in Indonesia Banking Statistics (SPI) Table 2.6 and Sharia Banking Statistic (SPS) Table 14 8 8

8 8

-

-

63




Tabel 22a. Komposisi DPK - Bank Umum Syariah (Depositor Funds Composition of Sharia Commercial Bank ) Miliar Rp ( Billion IDR ) Indikator 1 Dana Simpanan Wadiah a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas 2 Dana Investasi Non Profit Sharing a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas c. Deposito i. Rupiah a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan 3 Dana Investasi Profit Sharing a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas c. Deposito i. Rupiah a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Indicator

Feb

20.956 12.033 9.546 2.487 8.922 8.810 113 142.982

22.705 12.867 10.098 2.770 9.838 9.704 134 146.901

23.547 13.825 10.279 3.546 9.722 9.595 127 140.464

23.440 13.866 9.855 4.012 9.574 9.450 124 139.866

25.148 15.314 11.655 3.659 9.835 9.704 131 138.039

24.709 14.817 11.260 3.557 9.892 9.766 126 136.955

24.402 13.863 10.721 3.143 10.539 10.407 132 140.030

23.267 12.686 9.563 3.123 10.580 10.441 140 140.284

23.877 12.856 9.524 3.332 11.021 10.877 144 141.585

22.452 11.821 9.088 2.733 10.631 10.500 131 142.463

23.274 12.277 9.011 3.266 10.996 10.865 131 142.806

24.915 12.991 10.195 2.796 11.924 11.802 122 148.896

23.398 11.818 9.125 2.693 11.580 11.458 121 149.832

23.760 11.823 9.152 2.672 11.937 11.815 122 150.074

567 447 120 38.078 38.060 18 104.338 96.281 71.469 14.743 5.882 4.169 18 8.056 6.866 722 339 130 0 1.112

935 827 108 40.515 40.498 17 105.451 97.307 73.950 14.281 4.891 4.159 25 8.144 7.129 566 336 112 1 1.117

1.174 755 418 38.251 38.242 9 101.040 93.035 70.947 13.755 4.126 4.183 24 8.005 7.307 479 118 101 0 1.023

1.307 891 416 38.157 38.148 9 100.402 92.871 71.109 13.071 4.341 4.308 42 7.531 6.388 636 415 92 0 1.093

1.951 1.620 331 38.392 38.382 10 97.696 89.041 68.024 12.455 4.480 4.063 19 8.654 7.244 432 913 66 1.188

1.531 1.295 236 37.012 37.002 10 98.412 89.639 68.052 13.912 3.644 4.010 21 8.773 7.160 599 941 73 1 1.153

1.203 1.013 190 38.036 38.026 11 100.790 91.255 69.327 14.562 3.451 3.887 27 9.536 7.907 891 667 70 946

1.322 1.150 171 38.090 38.065 25 100.872 91.746 70.820 13.719 3.282 3.904 21 9.125 7.327 1.521 197 80 0 1.011

1.766 1.470 296 38.154 38.129 25 101.664 92.758 71.458 13.660 3.695 3.930 14 8.906 7.239 1.387 184 96 0 972

1.474 1.139 335 38.414 38.396 19 102.575 94.063 72.937 13.117 4.164 3.835 10 8.512 6.906 1.046 454 106 942

1.467 1.092 376 38.646 38.627 19 102.693 94.712 73.647 13.158 3.940 3.954 13 7.981 6.197 1.246 408 130 0 1.070

1.872 1.196 676 40.758 40.737 21 106.266 97.874 73.757 16.548 3.568 3.999 2 8.393 6.982 811 413 187 1.083

1.911 1.211 700 40.445 40.422 23 107.475 99.269 78.324 13.247 3.535 4.157 5 8.206 6.608 1.274 134 190 -

1.606 1.302 304 40.729 40.704 25 107.738 98.697 77.297 12.876 4.406 4.115 2 9.042 7.340 1.381 142 179 -

111 111 1.001 1.001 879 90 15 17 -

4 4 65 65 1.047 1.047 847 74 104 22 -

15 15 61 61 948 948 745 169 14 20 -

77 77 69 69 948 948 760 156 19 13 -

14 14 65 65 1.108 1.108 986 75 32 14 -

15 15 53 53 1.085 1.085 872 86 127 0 -

15 15 50 50 882 882 698 70 112 1 -

7 7 41 41 963 963 778 85 98 1 -

7 7 44 44 921 921 729 179 10 3 -

6 6 41 41 895 895 681 201 10 4 -

8 8 40 40 1.022 1.022 852 129 35 5 -

8 8 50 50 1.025 1.025 827 79 109 9 -

-

-

iB Wadia a. Demand Deposits Wadia i. Rupiah ii. Foreign Currency b. iB Saving Deposits Wadia i. Rupiah ii. Foreign Currency Non Profit Sharing Investment Fund a. Demand Deposits i. Rupiah ii. Foreign Currency b. Saving Deposits i. Rupiah ii. Foreign Currency c. Time Deposits i. Rupiah a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month Profit Sharing Investment Fund a. Demand Deposits i. Rupiah ii. Foreign Currency b. Saving Deposits i. Rupiah ii. Foreign Currency c. Time Deposits i. Rupiah a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month

64




Tabel 22b. Komposisi DPK - Unit Usaha Syariah (Depositor Funds Composition of Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator 1 Dana Simpanan Wadiah a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas 2 Dana Investasi Non Profit Sharing a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas c. Deposito i. Rupiah a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan 3 Dana Investasi Profit Sharing a. Giro i. Rupiah ii. Valas b. Tabungan i. Rupiah ii. Valas c. Deposito i. Rupiah a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan ii. Valas a. 1 Bulan b. 3 Bulan c. 6 Bulan d. 12 Bulan e. >12 Bulan

2014

2015

2016

Indicator

Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

5.889 3.326 3.176 151 2.563 2.552 11 38.678

6.368 3.645 3.515 130 2.723 2.710 13 40.737

6.525 3.787 3.315 472 2.738 2.723 16 41.397

7.198 4.320 3.889 432 2.878 2.861 17 42.340

6.924 4.114 3.565 549 2.809 2.793 16 44.006

6.677 3.847 3.462 385 2.830 2.813 17 43.950

7.405 4.348 3.730 619 3.056 3.034 23 43.263

7.021 4.062 3.831 231 2.959 2.938 22 44.738

7.173 4.141 3.844 297 3.032 3.008 24 45.669

6.949 3.941 3.649 292 3.007 2.985 23 46.634

7.040 3.984 3.621 362 3.056 3.031 25 46.406

7.617 4.335 4.200 135 3.282 3.250 32 48.578

7.000 3.908 3.774 134 3.092 3.065 27 48.825

7.485 4.159 3.797 362 3.326 3.300 26 50.462

1.077 922 155 9.513 9.037 475 28.088 26.220 19.408 4.291 1.558 963 0 1.868 1.257 570 41 28

1.197 963 234 10.434 9.943 491 29.106 27.692 20.090 5.477 1.014 1.111 0 1.413 1.075 214 45 80 31

1.480 1.192 288 10.408 9.860 548 29.510 27.973 20.037 5.192 1.638 1.105 1 1.537 1.328 122 2 85 32

1.087 960 127 10.846 10.261 584 30.408 28.969 20.417 5.459 2.198 895 0 1.438 1.021 325 7 85 35

1.904 1.314 590 11.043 10.432 611 31.059 28.850 23.779 3.169 1.278 623 0 2.209 1.564 421 199 25 34

1.733 1.528 206 11.235 10.612 623 30.982 29.095 20.673 5.423 1.714 1.283 3 1.887 1.153 395 326 12 34

1.421 1.150 271 11.251 10.632 619 30.591 29.165 20.724 5.694 1.426 1.321 0 1.426 895 191 327 13 36

2.129 1.924 205 11.386 10.721 665 31.223 29.388 21.862 4.763 1.437 1.320 6 1.836 1.275 480 68 13 36

1.909 1.672 236 11.668 10.967 701 32.093 30.180 20.951 5.883 2.096 1.249 0 1.912 1.268 627 4 14 38

2.370 2.072 298 11.504 10.777 727 32.761 30.839 21.903 5.400 2.144 1.390 2 1.922 1.372 530 8 12 38

2.036 1.735 301 11.601 10.860 741 32.768 31.223 21.397 5.979 2.392 1.455 0 1.545 1.263 234 47 0 39

1.987 1.802 185 12.630 11.886 744 33.962 32.875 22.059 6.835 2.531 1.355 95 1.087 953 79 55 0 85

1.723 1.445 278 12.502 11.811 691 34.599 33.413 24.331 5.338 2.368 1.281 95 1.186 1.053 47 84 1

1.779 1.561 217 13.069 12.279 790 35.614 34.850 24.367 6.657 2.555 1.177 95 764 518 116 130 0 39

-

-

-

-

-

-

-

-

-

-

-

-

-

7 7 22 22 18 2 2 -

6 6 25 25 8 3 12 2 -

7 7 25 25 11 12 0 2 -

8 8 27 27 23 2 2 -

7 7 27 27 25 0 2 -

7 7 27 27 12 1 13 0 -

8 8 28 28 13 4 11 0 -

8 8 29 29 15 2 11 0 -

9 9 29 29 18 11 0 0 -

9 9 29 29 16 11 0 2 -

10 10 30 30 27 0 0 2 -

9 9 76 76 62 2 9 2 -

39

8 8

31 31 17 2 9 2 -

9 9 31 31 19 1 9 2 -

iB Wadia a. Demand Deposits Wadia i. Rupiah ii. Foreign Currency b. iB Saving Deposits Wadia i. Rupiah ii. Foreign Currency Non Profit Sharing Investment Fund a. Demand Deposits i. Rupiah ii. Foreign Currency b. Saving Deposits i. Rupiah ii. Foreign Currency c. Time Deposits i. Rupiah a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month Profit Sharing Investment Fund a. Demand Deposits i. Rupiah ii. Foreign Currency b. Saving Deposits i. Rupiah ii. Foreign Currency c. Time Deposits i. Rupiah a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month ii. Foreign Currency a. 1 month b. 3 month c. 6 month d. 12 month e. >12 month

65



Tabel 23. Komposisi DPK Berdasarkan Golongan Nasabah - Bank Umum Syariah dan Unit Usaha Syariah ( Depositor Funds Composition Based on Depositor's Group of Sharia Commercial Bank and Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator Total Dana Pihak Ketiga i. Rupiah ii. Valas 1. Dana Pihak Ketiga Golongan Penduduk a. Pemerintah i. Rupiah ii. Valas b. Swasta 1. Institusi Keuangan Non Bank i. Rupiah ii. Valas 2. Bukan Lembaga Keuangan (termasuk sektor swasta lainnya) i. Rupiah ii. Valas 3. Perseorangan i. Rupiah ii. Valas 2. Dana Pihak Ketiga Golongan Bukan Penduduk i. Rupiah ii. Valas

2014

2015

2016

Indicator

Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

209.644 196.191 13.453 208.525

217.858 204.404 13.454 216.824

212.988 198.022 14.966 211.875

213.973 199.284 14.689 212.917

215.339 198.578 16.761 214.338

213.477 197.659 15.819 212.440

216.083 200.115 15.968 215.110

216.356 200.813 15.543 215.416

219.313 203.439 15.874 218.379

219.478 204.487 14.991 218.518

220.635 205.886 14.749 219.519

231.175 216.985 14.191 230.066

229.094 215.035 14.059 227.895

231.820 217.495 14.324 230.698

Total Third Paty Fund i. Rupiah ii. Foreign Exchange 1. Residents' Third Party Funds

48.145 44.214 3.931 160.380 21.965

46.515 42.554 3.961 170.309 22.703

34.093 32.782 1.311 177.782 22.134

35.047 33.561 1.486 177.870 22.617

35.633 33.443 2.190 178.705 22.076

35.485 33.262 2.223 176.956 23.351

37.521 34.291 3.231 177.588 23.443

37.124 34.136 2.988 178.292 25.167

40.301 36.879 3.422 178.078 24.839

41.650 39.107 2.543 176.867 24.607

41.460 39.178 2.282 178.059 24.910

38.077 35.153 2.924 191.988 25.932

42.845 39.569 3.276 185.050 24.199

41.858 39.705 2.153 188.840 23.878

21.445 521 46.315

22.171 533 46.111

21.636 498 57.091

22.036 581 56.306

21.448 629 56.790

22.762 589 54.987

22.862 581 53.235

24.527 640 52.521

24.196 643 53.125

23.846 761 52.207

24.163 747 51.358

25.255 677 58.093

23.458 741 53.641

23.370 509 55.113

40.565 5.750 92.099 89.725 2.375 1.119

40.428 5.683 101.494 98.997 2.497 1.034

48.092 8.999 98.557 95.319 3.238 1.113

47.652 8.654 98.947 95.805 3.141 1.056

46.858 9.932 99.838 96.641 3.198 1.001

45.898 9.088 98.618 95.558 3.060 1.037

44.750 8.484 100.911 98.048 2.862 973

44.230 8.291 100.604 97.723 2.881 941

44.703 8.422 100.114 97.469 2.645 934

43.735 8.472 100.053 97.578 2.475 960

43.060 8.298 101.790 99.326 2.464 1.116

50.794 7.298 107.963 105.482 2.481 1.110

46.831 6.810 107.211 104.787 2.424 1.199

46.706 8.407 109.849 107.381 2.467 1.122

243 876

254 780

194 920

229 827

188 813

178 859

163 810

197 743

193 741

220 740

159 957

300 810

391 808

334 787

a. Government i. Rupiah ii. Foreign Exchange b. Private Sector 1. Non bank Financial Institutions i. Rupiah ii. Foreign Exchange 2. Non Financial Corporations (including Other Private Sector) i. Rupiah ii. Foreign Exchange 3. Individuals i. Rupiah ii. Foreign Exchange 2. Non Residents' Third Party Funds i. Rupiah ii. Foreign Exchange

66



Tabel 23a. Komposisi DPK Berdasarkan Golongan Nasabah - Bank Umum Syariah ( Depositor Funds Composition Based on Depositor's Group of Sharia Commercial Bank ) Miliar Rp ( Billion IDR ) Indikator Total Dana Pihak Ketiga i. Rupiah ii. Valas 1. Dana Pihak Ketiga Golongan Penduduk a. Pemerintah i. Rupiah ii. Valas b. Swasta 1. Institusi Keuangan Non Bank i. Rupiah ii. Valas 2. Bukan Lembaga Keuangan (termasuk sektor swasta lainnya) i. Rupiah ii. Valas 3. Perseorangan i. Rupiah ii. Valas 2. Dana Pihak Ketiga Golongan Bukan Penduduk i. Rupiah ii. Valas

2014

2015

2016

Indicator

Nov

Des

Mar

Apr

Mei

Jun

Jul

Ags

Sep

Okt

Nov

Des

Jan

Feb

165.050 154.256 10.793 163.970

170.723 159.549 11.173 169.747

165.034 152.930 12.105 163.994

164.400 152.308 12.092 163.419

164.375 151.590 12.785 163.458

162.817 150.115 12.701 161.857

165.378 152.367 13.011 164.470

164.561 151.976 12.585 163.694

166.433 153.730 12.703 165.566

165.857 154.128 11.730 164.973

167.150 155.376 11.774 166.096

174.895 162.887 12.008 173.850

173.230 161.487 11.743 172.229

173.834 161.669 12.165 172.920


41.260 37.593 3.668 122.710 16.326

40.091 36.364 3.727 129.656 16.899

22.703 21.619 1.084 141.291 15.570

23.089 21.876 1.213 140.330 15.355

23.653 22.215 1.439 139.805 15.077

24.527 22.884 1.642 137.330 15.561

26.542 24.044 2.499 137.928 15.519

25.498 23.265 2.233 138.196 16.712

27.847 25.211 2.636 137.719 16.022

28.873 27.005 1.868 136.099 16.081

29.213 27.414 1.799 136.883 16.270

27.761 25.324 2.437 146.089 17.423

29.788 27.007 2.781 142.441 15.738

30.321 28.277 2.044 142.599 14.844

15.940 386 33.190

16.484 415 32.909

15.197 373 47.691

14.930 424 47.123

14.623 455 46.580

15.120 441 45.281

15.086 433 44.278

16.239 473 43.496

15.526 496 44.131

15.484 597 42.492

15.709 560 41.984

16.826 597 46.221

15.129 609 43.930

14.458 386 45.063

28.764 4.426 73.193 71.743 1.450 1.080

28.226 4.683 79.848 78.264 1.584 976

40.280 7.411 78.030 75.697 2.333 1.040

39.684 7.439 77.853 75.648 2.205 980

38.679 7.900 78.148 75.946 2.202 917

37.578 7.702 76.488 74.417 2.072 960

36.944 7.334 78.132 76.181 1.951 908

36.272 7.225 77.988 76.061 1.926 866

36.932 7.199 77.566 75.919 1.647 867

35.430 7.062 77.526 76.047 1.479 885

34.996 6.988 78.629 77.145 1.485 1.054

39.577 6.644 82.446 80.910 1.536 1.045

37.914 6.016 82.774 81.228 1.546 1.000

37.597 7.466 82.691 81.194 1.497 914

217 863

211 764

137 903

170 811

126 790

116 844

113 795

138 728

142 725

161 724

113 941

250 795

209 791

143 771


67



Tabel 23b. Komposisi DPK Berdasarkan Golongan Nasabah - Unit Usaha Syariah ( Depositor Funds Composition Based on Depositor's Group of Sharia Business Unit ) Miliar Rp ( Billion IDR ) Indikator Total Dana Pihak Ketiga i. Rupiah ii. Valas 1. Dana Pihak Ketiga Golongan Penduduk a. Pemerintah i. Rupiah ii. Valas b. Swasta 1. Institusi Keuangan Non Bank i. Rupiah ii. Valas 2. Bukan Lembaga Keuangan (termasuk sektor swasta lainnya) i. Rupiah ii. Valas 3. Perseorangan i. Rupiah ii. Valas 2. Dana Pihak Ketiga Golongan Bukan Penduduk i. Rupiah ii. Valas

2014 Nov

2015 Des

Mar

Apr

Mei

Jun

Jul

2016 Ags

Sep

Okt

Nov

Des

Jan

Indicator

Feb

44.595 41.935 2.660 44.555

47.136 44.855 2.281 47.077

47.954 45.093 2.861 47.881

49.573 46.975 2.598 49.497

50.964 46.988 3.976 50.880

50.661 47.544 3.117 50.584

50.704 47.747 2.957 50.639

51.796 48.838 2.958 51.721

52.880 49.709 3.171 52.813

53.621 50.359 3.261 53.545

53.485 50.510 2.975 53.423

56.280 54.098 2.183 56.216

55.864 53.548 2.316 55.666

57.986 55.826 2.160 57.778


6.885 6.621 263 37.670 5.639

6.424 6.190 234 40.653 5.805

11.390 11.164 226 36.491 6.564

11.958 11.685 273 37.539 7.262

11.980 11.228 752 38.900 6.999

10.958 10.378 580 39.625 7.790

10.979 10.247 732 39.660 7.924

11.626 10.871 755 40.096 8.455

12.454 11.668 786 40.359 8.817

12.777 12.102 675 40.768 8.526

12.247 11.765 482 41.176 8.641

10.317 9.829 487 45.899 8.509

13.057 12.561 495 42.609 8.461

11.537 11.428 109 46.241 9.034

5.505 135 13.125

5.687 118 13.202

6.439 125 9.400

7.106 157 9.183

6.825 174 10.211

7.642 148 9.706

7.776 148 8.957

8.287 167 9.025

8.670 148 8.994

8.362 164 9.716

8.454 187 9.374

8.429 80 11.872

8.329 133 9.711

8.912 122 10.050

11.801 1.324 18.906 17.981 925 40

12.202 1.000 21.646 20.733 914 59

7.812 1.588 20.527 19.622 905 73

7.968 1.215 21.094 20.157 937 76

8.179 2.032 21.690 20.694 996 84

8.320 1.386 22.129 21.141 988 77

7.806 1.151 22.779 21.868 911 65

7.958 1.066 22.616 21.662 954 74

7.771 1.223 22.548 21.550 998 67

8.305 1.410 22.527 21.531 996 76

8.064 1.310 23.161 22.181 979 62

11.218 654 25.517 24.572 945 65

8.917 794 24.437 23.559 878 198

9.108 941 27.157 26.187 971 208

26 13

43 16

56 16

59 16

62 22

63 15

50 15

59 15

51 16

59 16

46 16

49 15

182 16

191 17


68



Tabel 24. Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi - Februari 2016 (Total of Gross Assets, Financing, Depositor Funds, and percentage of FDR Sharia Commercial Bank and Sharia Business Unit based on Province ) Propinsi Jawa Barat Banten DKI Jakarta DI Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara NTB Bali NTT Maluku Papua Maluku Utara Papua Barat Luar Indonesia

Aset Sebelum Set Off

Dana Pihak Ketiga

(Assets Gross)

(Depositor Funds) 38.917 8.253 219.145 4.390 19.524 27.070 954 2.154 5.275 10.731 4.147 7.391 5.804 304 2.782 2.508 4.326 3.783 5.845 851 1.104 7.134 442 318 182 942 2.324 1.627 222 435 612 408 354 1.018

27.749 5.726 88.022 2.686 13.222 19.955 815 1.968 2.900 8.135 3.623 3.566 4.040 284 2.610 2.022 3.178 2.995 4.120 729 926 5.695 429 305 168 817 1.949 1.502 208 94 469 186 149 331

FDR 26.197 6.375 116.891 3.768 12.036 19.067 551 1.043 3.646 8.117 2.833 3.909 4.049 219 1.489 1.833 3.016 1.780 4.307 671 758 3.516 226 221 149 627 1.170 804 108 332 597 377 314 823

Province 105,93% 89,82% 75,30% 71,30% 109,85% 104,66% 147,92% 188,67% 79,52% 100,22% 127,85% 91,24% 99,77% 129,48% 175,36% 110,36% 105,39% 168,27% 95,64% 108,60% 122,11% 161,97% 189,71% 137,86% 112,51% 130,15% 166,50% 186,83% 192,65% 28,24% 78,64% 49,35% 47,54% 40,18%


69



Tabel 24.a. Total Aset Gross, Dana Pihak Ketiga dan FDR Bank Umum Syariah berdasarkan Propinsi - Februari 2016 (Total of Gross Assets, Financing, Depositor Funds, and percentage of FDR Sharia Commercial Bank based on Province ) Propinsi Jawa Barat Banten DKI Jakarta DI Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara NTB Bali NTT Maluku Papua Maluku Utara Papua Barat Luar Indonesia


(Assets Gross) 31.979 6.853 143.522 3.186 12.313 17.693 935 1.850 2.335 5.610 2.486 3.521 2.902 238 1.774 2.408 2.661 2.318 3.660 851 1.104 4.315 442 318 180 942 1.751 1.485 222 435 612 408 354 1.018

Dana Pihak Ketiga

Pembiayaan

FDR

(Depositor Funds) 23.309 4.612 60.558 1.758 10.090 14.045 796 1.704 1.135 4.232 2.148 2.217 2.512 232 1.628 1.981 2.083 2.267 2.625 729 926 4.011 429 305 167 817 1.620 1.379 208 94 469 186 149 331

21.267 5.561 87.130 2.962 8.408 14.069 536 898 2.075 4.424 2.058 2.842 2.359 166 1.122 1.756 2.401 1.337 3.115 671 758 2.502 226 221 147 627 889 756 108 332 597 377 314 823

Province 109,60% 82,94% 69,50% 59,36% 120,01% 99,83% 148,53% 189,66% 54,69% 95,66% 104,36% 78,00% 106,52% 140,02% 145,13% 112,83% 86,78% 169,58% 84,26% 108,60% 122,11% 160,33% 189,71% 137,86% 114,07% 130,15% 182,35% 182,39% 192,65% 28,24% 78,64% 49,35% 47,54% 40,18%


70



Tabel 24.b. Total Aset Gross, Dana Pihak Ketiga dan FDR Unit Usaha Syariah berdasarkan Propinsi - Februari 2016 (Total of Gross Assets, Financing, Depositor Funds, and percentage of FDR Sharia Business Unit based on Province ) Propinsi Jawa Barat Banten DKI Jakarta DI Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara NTB Bali NTT Maluku Papua Maluku Utara Papua Barat Luar Indonesia


Dana Pihak Ketiga

(Assets Gross)

(Depositor Funds) 6.938 1.400 75.622 1.205 7.211 9.377 19 304 2.940 5.121 1.661 3.870 2.902 66 1.008 100 1.665 1.465 2.185 2.820 2 572 142 -

4.440 1.114 27.464 928 3.132 5.910 19 264 1.765 3.902 1.474 1.350 1.528 51 982 41 1.095 728 1.495 1.684 0 328 123 -

FDR 4.930 815 29.761 805 3.629 4.998 15 145 1.572 3.692 775 1.067 1.691 53 367 77 615 443 1.192 1.014 2 282 48 -

Province West Java Banten DKI Jakarta DI Yogyakarta Central Java East Java Bengkulu Jambi Nanggroe Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Bangka Belitung Riau Islands Lampung South Kalimantan West Kalimantan East Kalimantan - Central Kalimantan - Central Sulawesi South Sulawesi 166,03% - North Sulawesi - Gorontalo 0 West Sulawesi - South East Sulawesi West Nusa Tenggara 116,49% Bali 257,19% - East Nusa Tenggara - Maluku - Papua - North Maluku - West Papua - Outside Indonesia 90,07% 136,80% 92,28% 115,23% 86,31% 118,26% 126,15% 182,52% 112,31% 105,69% 190,27% 126,51% 90,35% 96,51% 267,81% 53,65% 178,05% 164,31% 125,38%

71



Tabel 25. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank and Sharia Business Unit based on City/District ) Propinsi Banten

Jawa Barat

DKI Jakarta Raya

D.I. Yogyakarta Jawa Tengah

Jawa Timur

Kota/Kabupaten Kab. Tangerang Kab. Serang Kota Cilegon Kota Tangerang Kota Serang Kota Tangerang Selatan Kab. Bekasi Kab. Purwakarta Kab. Karawang Kab. Sukabumi Kab. Cianjur Kab. Bandung Kab. Garut Kab. Majalengka Kota Bandung Kota Bogor Kota Sukabumi Kota Cirebon Kota Tasikmalaya Kota Cimahi Kota Depok Kota Bekasi Wil. Kota Jakarta Pusat Wil. Kota Jakarta Utara Wil. Kota Jakarta Barat Wil. Kota Jakarta Selatan Wil. Kota Jakarta Timur Kota Yogyakarta Kab. Semarang Kab. Kendal Kab. Tegal Kab. Pati Kab. Kudus Kab. Banyumas Kab. Cilacap Kota Semarang Kota Salatiga Kota Pekalongan Kota Tegal Kota Surakarta Kab. Gresik Kab. Sidoarjo Kab. Pamekasan Kab. Banyuwangi Kab. Jember Kab. Madiun Kab. Bojonegoro Kota Surabaya Kota Malang Kota Blitar Kota Kediri Kota Madiun

Aset Sebelum Set Off (Assets Gross) 858 1.721 1.374 3.584 353 361 496 411 281 163 933 313 219 13 15.646 4.548 512 3.288 2.054 242 1.987 7.811 77.468 4.251 12.806 95.501 29.118 4.390 614 66 83 115 663 1.088 139 8.770 88 1.012 969 5.915 363 1.750 439 163 955 189 156 17.545 3.361 113 1.960 76

Pembiayaan (Financing) 593 1.362 1.146 2.194 235 197 503 394 246 163 866 162 211 13 10.894 3.239 359 2.528 1.673 150 1.155 5.195 24.817 3.035 8.724 47.813 3.634 2.686 337 56 70 114 360 855 98 4.811 87 643 880 4.910 351 1.356 155 160 644 168 129 13.092 2.644 114 1.071 71

Dana Pihak Ketiga (Depositor Funds) 751 1.130 754 3.259 141 339 381 310 212 86 445 310 182 7 8.629 4.039 407 1.918 917 235 1.834 6.285 53.357 3.256 9.803 44.184 6.291 3.768 308 57 19 77 561 900 134 5.005 48 858 491 3.579 289 1.243 416 127 833 183 152 11.270 2.529 118 1.872 35

FDR 78,95% 120,44% 151,95% 67,31% 166,58% 58,02% 132,10% 126,97% 116,01% 190,48% 194,53% 52,16% 116,07% 177,54% 126,25% 80,18% 88,02% 131,77% 182,49% 63,89% 62,98% 82,66% 46,51% 93,22% 88,99% 108,21% 57,76% 71,30% 109,55% 99,17% 358,03% 148,76% 64,18% 95,00% 73,39% 96,13% 179,81% 74,94% 179,05% 137,21% 121,30% 109,09% 37,17% 126,38% 77,33% 91,91% 84,78% 116,17% 104,57% 96,09% 57,21% 203,95%

City/District Kab. Tangerang Kab. Serang Kota Cilegon Kota Tangerang Kota Serang Kota Tangerang Selatan Kab. Bekasi Kab. Purwakarta Kab. Karawang Kab. Sukabumi Kab. Cianjur Kab. Bandung Kab. Garut Kab. Majalengka Kota Bandung Kota Bogor Kota Sukabumi Kota Cirebon Kota Tasikmalaya Kota Cimahi Kota Depok Kota Bekasi Wil. Kota Jakarta Pusat Wil. Kota Jakarta Utara Wil. Kota Jakarta Barat Wil. Kota Jakarta Selatan Wil. Kota Jakarta Timur Kota Yogyakarta Kab. Semarang Kab. Kendal Kab. Tegal Kab. Pati Kab. Kudus Kab. Banyumas Kab. Cilacap Kota Semarang Kota Salatiga Kota Pekalongan Kota Tegal Kota Surakarta Kab. Gresik Kab. Sidoarjo Kab. Pamekasan Kab. Banyuwangi Kab. Jember Kab. Madiun Kab. Bojonegoro Kota Surabaya Kota Malang Kota Blitar Kota Kediri Kota Madiun

Province Banten

West Java

DKI Jakarta

DI Yogyakarta Central Java

East Java

72



Tabel 25. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank and Sharia Business Unit based on City/District ) Propinsi Bengkulu Jambi Nanggroe Aceh Darussalam

Sumatera Utara

Sumatera Barat

Riau

Kepulauan Riau Sumatera Selatan

Bangka Belitung Lampung

Kalimantan Selatan

Kalimantan Barat

Kalimantan Timur

Kalimantan Tengah

Sulawesi Tengah Sulawesi Barat

Kota/Kabupaten Kota Kota Kab. Kota Kota Kota Kab. Kab. Kab. Kab. Kota Kota Kota Kota Kota Kota Kota Kota Kota Kota Kab. Kota Kota Kota Kota Kota Kab. Kab. Kota Kota Kota Kab. Kota Kota Kab. Kab. Kab. Kota Kota Kab. Kota Kota Kab. Kota Kota Kota Kab. Kab. Kota Kab. Kota Kota

Bengkulu Jambi Simeuleu Banda Aceh Lhokseumawe Langsa Deli Serdang Langkat Karo Labuhan Batu Tebing Tinggi Pematang Siantar Tanjung Balai Sibolga Medan Padang Sidempuan Bukittinggi Padang Solok Payakumbuh Bengkalis Pekanbaru Dumai Tanjung Pinang Pulau Batam Prabumulih Ogan Komering Ulu Ogan Komering Ulu Timur Palembang Lubuklinggau Pangkal Pinang Lampung Tengah Bandar Lampung Metro Banjar Hulu Sungai Selatan Tabalong Banjarmasin Banjarbaru Sambas Pontianak Singkawang Kutai Samarinda Balikpapan Bontang Kotawaringin Barat Kotawaringin Timur Palangkaraya Morowali Palu Gorontalo

Aset Sebelum Set Off (Assets Gross) 954 2.154 152 3.423 1.314 386 299 172 45 178 298 849 139 145 7.833 772 685 2.454 284 724 271 6.787 333 797 1.985 131 292 33 5.136 212 304 328 2.012 168 290 180 114 3.472 271 65 3.607 111 279 3.041 2.330 195 71 136 644 307 798 318

Pembiayaan (Financing) 815 1.968 87 1.669 956 188 284 90 46 190 385 609 76 132 5.700 621 627 1.995 286 714 92 3.252 222 672 1.939 130 273 37 3.375 224 284 299 1.566 157 211 61 77 2.649 181 65 2.819 112 132 1.756 2.155 77 51 131 546 291 635 305

Dana Pihak Ketiga (Depositor Funds) 551 1.043 150 2.375 766 355 284 170 17 136 158 629 138 65 5.940 580 548 1.990 49 247 267 3.315 327 543 946 113 209 7 3.631 89 219 197 1.521 115 220 107 114 2.337 239 43 1.704 33 273 2.226 1.615 193 70 71 531 183 576 221

FDR 147,92% 188,67% 58,23% 70,29% 124,69% 52,80% 100,24% 52,84% 270,40% 140,16% 243,35% 96,88% 55,13% 204,59% 95,96% 107,20% 114,58% 100,21% 587,58% 289,59% 34,54% 98,11% 67,84% 123,71% 205,01% 115,55% 130,62% 505,71% 92,96% 251,96% 129,48% 151,84% 103,00% 136,57% 95,78% 57,22% 67,86% 113,36% 75,58% 150,11% 165,40% 341,27% 48,19% 78,91% 133,41% 39,89% 73,77% 186,15% 102,87% 159,35% 110,28% 137,86%

City/District Kota Bengkulu Kota Jambi Kab. Simeuleu Kota Banda Aceh Kota Lhokseumawe Kota Langsa Kab. Deli Serdang Kab. Langkat Kab. Karo Kab. Labuhan Batu Kota Tebing Tinggi Kota Pematang Siantar Kota Tanjung Balai Kota Sibolga Kota Medan Kota Padang Sidempuan Kota Bukittinggi Kota Padang Kota Solok Kota Payakumbuh Kab. Bengkalis Kota Pekanbaru Kota Dumai Kota Tanjung Pinang Kota Pulau Batam Kota Prabumulih Kab. Ogan Komering Ulu Kab. Ogan Komering Ulu Timur Kota Palembang Kota Lubuklinggau Kota Pangkal Pinang Kab. Lampung Tengah Kota Bandar Lampung Kota Metro Kab. Banjar Kab. Hulu Sungai Selatan Kab. Tabalong Kota Banjarmasin Kota Banjarbaru Kab. Sambas Kota Pontianak Kota Singkawang Kab. Kutai Kota Samarinda Kota Balikpapan Kota Bontang Kab. Kotawaringin Barat Kab. Kotawaringin Timur Kota Palangkaraya Kab. Morowali Kota Palu Kota Gorontalo

Province Bengkulu Jambi Nanggroe Aceh Darussalam

North Sumatera

West Sumatera

Riau

Riau Islands South Sumatera


South Kalimantan

West Kalimantan

East Kalimantan

Central Kalimantan

Central Sulawesi West Sulawesi

73



Tabel 25. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank and Sharia Business Unit based on City/District ) Propinsi Sulawesi Selatan

Kota/Kabupaten

Maluku Maluku Utara Papua Barat

Kota Ujungpandang Kota Pare-Pare Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota ternate Kota Sorong

Papua

Kab. Jayapura

Di Luar Indonesia

DI LUAR INDONESIA

Gorontalo Sulawesi Tenggara Sulawesi Utara Nusa Tenggara Barat

Bali Nusa Tenggara Timur

Aset Sebelum Set Off (Assets Gross) 6.617 11 279 66 162 182 942 442 42 174 2.108 1.627 206 16 435 408 354

Pembiayaan (Financing) 5.194 7 265 63 166 168 817 429 41 171 1.736 1.502 193 14 94 186 149

Dana Pihak Ketiga (Depositor Funds) 3.191 3 232 12 78 149 627 226 5 138 1.028 804 105 3 332 377 314

612

469

597

78,64% Kab. Jayapura

Papua

1.018

331

823

40,18% DI LUAR INDONESIA

Outside Indonesia

FDR 162,78% 196,73% 114,22% 520,40% 214,11% 112,51% 130,15% 189,71% 904,13% 123,76% 168,94% 186,83% 184,25% 491,77% 28,24% 49,35% 47,54%

City/District Kota Ujungpandang Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota ternate Kota Sorong

Province South Sulawesi

Gorontalo South East Sulawesi North Sulawesi West Nusa Tenggara

Bali East Nusa Tenggara Maluku North Maluku West Irian Jaya

74



Tabel 25.a. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank based on City/District ) Propinsi Banten

Jawa Barat

DKI Jakarta Raya


Jawa Timur


Aset Sebelum Set Off (Assets Gross) 589 1.721 952 3.108 122 361 496 411 247 163 933 220 219 13 12.416 3.661 435 2.554 1.680 242 1.987 6.302 54.990 4.027 12.353 66.544 5.608 3.186 614 66 83 115 604 988 139 3.282 88 911 662 4.761 301 1.300 439 163 840 189 156 10.189 2.145 113 1.818 41

Pembiayaan (Financing) 501 1.362 724 1.793 36 197 503 394 241 163 866 152 211 13 8.838 2.544 350 1.944 1.310 150 1.155 4.474 14.399 2.995 8.273 32.801 2.090 1.758 337 56 70 114 356 782 98 3.063 87 617 574 3.934 291 1.071 155 160 642 168 129 8.575 1.719 114 983 39

Dana Pihak Ketiga (Depositor Funds) 485 1.130 693 2.798 115 339 381 310 177 86 445 216 182 7 6.567 3.187 331 1.670 828 235 1.834 4.810 40.986 3.031 9.547 29.673 3.892 2.962 308 57 19 77 515 828 134 2.350 48 767 421 2.885 259 1.164 416 127 733 183 152 7.168 1.951 118 1.779 19

FDR 103,18% 120,44% 104,46% 64,07% 31,51% 58,02% 132,10% 126,97% 136,63% 190,48% 194,53% 70,20% 116,07% 177,54% 134,57% 79,83% 105,75% 116,39% 158,20% 63,89% 62,98% 93,02% 35,13% 98,81% 86,65% 110,54% 53,70% 59,36% 109,55% 99,17% 358,03% 148,76% 69,15% 94,51% 73,39% 130,36% 179,81% 80,44% 136,52% 136,40% 112,32% 92,03% 37,17% 126,38% 87,52% 91,91% 84,78% 119,63% 88,10% 96,09% 55,29% 202,71%

City/District Kab. Tangerang Kab. Serang Kota Cilegon Kota Tangerang Kota Serang Kota Tangerang Selatan Kab. Bekasi Kab. Purwakarta Kab. Karawang Kab. Sukabumi Kab. Cianjur Kab. Bandung Kab. Garut Kab. Majalengka Kota Bandung Kota Bogor Kota Sukabumi Kota Cirebon Kota Tasikmalaya Kota Cimahi Kota Depok Kota Bekasi Wil. Kota Jakarta Pusat Wil. Kota Jakarta Utara Wil. Kota Jakarta Barat Wil. Kota Jakarta Selatan Wil. Kota Jakarta Timur Kota Yogyakarta Kab. Semarang Kab. Kendal Kab. Tegal Kab. Pati Kab. Kudus Kab. Banyumas Kab. Cilacap Kota Semarang Kota Salatiga Kota Pekalongan Kota Tegal Kota Surakarta Kab. Gresik Kab. Sidoarjo Kab. Pamekasan Kab. Banyuwangi Kab. Jember Kab. Madiun Kab. Bojonegoro Kota Surabaya Kota Malang Kota Blitar Kota Kediri Kota Madiun

Province Banten

West Java

DKI Jakarta


East Java

75



Tabel 25.a. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank based on City/District ) Propinsi Bengkulu Jambi Nanggroe Aceh Darussalam

Sumatera Utara

Sumatera Barat

Riau



Kalimantan Selatan

Kalimantan Barat

Kalimantan Timur

Kalimantan Tengah




Aset Sebelum Set Off (Assets Gross) 935 1.850 152 1.447 350 386 299 172 45 178 710 139 52 3.531 484 628 1.658 200 271 2.917 333 414 1.360 131 105 33 2.585 48 238 328 1.912 168 184 114 2.193 171 65 2.142 111 279 1.696 1.491 195 71 136 644 307 798 318

Pembiayaan (Financing) 796 1.704 87 735 125 188 284 90 46 190 461 76 52 2.570 462 581 1.375 192 92 1.903 222 299 1.328 130 81 37 2.214 50 232 299 1.525 157 170 77 1.708 128 65 2.091 112 132 973 1.443 77 51 131 546 291 635 305

Dana Pihak Ketiga (Depositor Funds) 536 898 150 1.222 347 355 284 170 17 136 561 138 16 2.719 384 533 1.395 131 267 2.248 327 398 723 113 105 7 2.123 11 166 197 1.444 115 177 114 1.940 170 43 1.261 33 273 1.413 1.236 193 70 71 531 183 576 221

FDR 148,53% 189,66% 58,23% 60,11% 36,06% 52,80% 100,24% 52,84% 270,40% 140,16% 82,18% 55,13% 333,99% 94,52% 120,48% 109,08% 98,60% 146,36% 34,54% 84,63% 67,84% 75,17% 183,66% 115,55% 77,45% 505,71% 104,30% 453,52% 140,02% 151,84% 105,62% 136,57% 96,20% 67,86% 88,04% 75,22% 150,11% 165,79% 341,27% 48,19% 68,89% 116,76% 39,89% 73,77% 186,15% 102,87% 159,35% 110,28% 137,86%



North Sumatera

West Sumatera

Riau



South Kalimantan

West Kalimantan

East Kalimantan

Central Kalimantan


76



Tabel 25.a. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Commercial Bank based on City/District ) Propinsi Sulawesi Selatan


Bali Nusa Tenggara Timur Maluku Maluku Utara

Kota/Kabupaten Kota Ujungpandang Kota Pare-Pare Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota Ternate

Papua Barat

Kota Sorong

Papua

Kab. Jayapura

Di Luar Indonesia

DI LUAR INDONESIA

Aset Sebelum Set Off (Assets Gross) 3.959 11 279 66 180 942 442 42 1.709 1.485 206 16 435 408 354

Pembiayaan (Financing) 3.676 7 265 63 167 817 429 41 1.579 1.379 193 14 94 186 149

Dana Pihak Ketiga (Depositor Funds) 2.254 3 232 12 147 627 226 5 884 756 105 3 332 377 314

47,54% Kota Sorong

West Irian Jaya

612

469

597

78,64% Kab. Jayapura

Papua

1.018

331

823

40,18% DI LUAR INDONESIA

Outside Indonesia

FDR 163,08% 196,73% 114,22% 520,40% 114,07% 130,15% 189,71% 904,13% 178,60% 182,39% 184,25% 491,77% 28,24% 49,35%

City/District Kota Ujungpandang Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota Ternate

Province South Sulawesi


Bali East Nusa Tenggara Maluku North Maluku

77



Tabel 25.b. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Business Unit based on City/District ) Propinsi Banten

Jawa Barat

DKI Jakarta Raya


Jawa Timur


Aset Sebelum Set Off (Assets Gross) 270 422 476 231 34 93 3.231 887 77 734 374 1.508 22.478 224 453 28.957 23.510 1.205 59 101 5.487 102 308 1.154 62 450 115 7.357 1.216 142 35

Pembiayaan (Financing) 92 422 401 199 4 10 2.056 694 9 584 363 721 10.418 40 451 15.012 1.544 928 4 73 1.748 25 306 976 60 285 3 4.518 926 87 32

Dana Pihak Ketiga (Depositor Funds) 266 61 461 26 35 94 2.062 852 76 248 88 1.475 12.370 224 256 14.512 2.399 805 45 73 2.655 90 71 694 30 79 100 4.102 578 93 16

FDR

City/District

34,73% Kab. Tangerang 693,09% 86,98% 757,89% 12,23% 10,55% 99,73% 81,52% 11,20% 235,34% 409,80% 48,88% 84,22% 17,65% 176,05% 103,45% 64,36% 115,23% 7,79% 100,58% 65,84% 28,20% 431,47% 140,56% 198,08% 360,67% 2,57% 110,13% 160,19% 93,89% 205,46%

Kab. Serang Kota Cilegon Kota Tangerang Kota Serang Kota Tangerang Selatan Kab. Bekasi Kab. Purwakarta Kab. Karawang Kab. Sukabumi Kab. Cianjur Kab. Bandung Kab. Garut Kab. Majalengka Kota Bandung Kota Bogor Kota Sukabumi Kota Cirebon Kota Tasikmalaya Kota Cimahi Kota Depok Kota Bekasi Wil. Kota Jakarta Pusat Wil. Kota Jakarta Utara Wil. Kota Jakarta Barat Wil. Kota Jakarta Selatan Wil. Kota Jakarta Timur Kota Yogyakarta Kab. Semarang Kab. Kendal Kab. Tegal Kab. Pati Kab. Kudus Kab. Banyumas Kab. Cilacap Kota Semarang Kota Salatiga Kota Pekalongan Kota Tegal Kota Surakarta Kab. Gresik Kab. Sidoarjo Kab. Pamekasan Kab. Banyuwangi Kab. Jember Kab. Madiun Kab. Bojonegoro Kota Surabaya Kota Malang Kota Blitar Kota Kediri Kota Madiun

Province Banten

West Java

DKI Jakarta


East Java

78



Tabel 25.b. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Business Unit based on City/District ) Propinsi Bengkulu Jambi Nanggroe Aceh Darussalam

Sumatera Utara

Sumatera Barat

Riau



Kalimantan Selatan

Kalimantan Barat

Kalimantan Timur

Kalimantan Tengah




Aset Sebelum Set Off (Assets Gross) 19 304 1.976 965 298 139 94 4.302 288 57 796 284 523 3.870 383 624 187 2.551 164 66 100 107 180 1.279 100 1.465 1.346 839 -

Pembiayaan (Financing) 19 264 935 830 385 149 80 3.130 159 46 619 286 522 1.350 372 610 192 1.161 175 51 41 40 61 941 53 728 783 712 -

Dana Pihak Ketiga (Depositor Funds) 15 145 1.152 419 158 68 49 3.221 196 15 596 49 115 1.067 144 222 104 1.508 78 53 77 43 107 397 69 443 813 379 -

FDR 126,15% 182,52% 81,09% 198,15% 243,35% 217,19% 163,36% 97,17% 81,20% 309,59% 103,98% 587,58% 452,23% 126,51% 257,59% 274,45% 183,95% 76,99% 223,54% 96,51% 53,65% 94,04% 57,22% 237,13% 76,47% 164,31% 96,32% 187,63% -



North Sumatera

West Sumatera

Riau



South Kalimantan

West Kalimantan

East Kalimantan

Central Kalimantan


79



Tabel 25.b. Total Aset Gross, Total Pembiayaan, Dana Pihak Ketiga, FDR Unit Usaha Syariah berdasarkan Kota/Kabupaten - Februari 2016 (Financing, Depositor Funds, Percentage of FDR Sharia Business Unit based on City/District ) Propinsi Sulawesi Selatan

Kota/Kabupaten

Aset Sebelum Set Off (Assets Gross) 2.657 162 2 174 399 142 -

Pembiayaan (Financing) 1.518 166 0 171 157 123 -

Dana Pihak Ketiga (Depositor Funds) 937 78 2 138 144 48 -

FDR

City/District

Maluku Maluku Utara Papua Barat Papua

Kab. Jayapura

-

-

-

-

Kab. Jayapura

Papua

Di Luar Indonesia

DI LUAR INDONESIA

-

-

-

-

DI LUAR INDONESIA

Outside Indonesia


Bali Nusa Tenggara Timur

162,04% 214,11% 18,61% 123,76% 109,50% 257,19% -

Kota Ujungpandang

Province

Kota Ujungpandang Kota Pare-Pare Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota ternate Kota Sorong

Kab. Bone Kota Palopo Kab. Maros Kab Mamuju Kota Kendari Kota Menado Kab. Lombok Tengah Kab. Lombok Timur Kota Mataram Kota Denpasar Kota Kupang Kab. Kupang Kota Ambon Kota ternate Kota Sorong

South Sulawesi


Bali East Nusa Tenggara Maluku North Maluku West Irian Jaya

80



Tabel 26. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Lokasi (Number of Sharia Rural Bank based on Location ) Provinsi

2011

2012

2013

2014

2015 Mar

Apr

Mei

Juni

Juli

2016

Agt

Sep

Okt

Nov

Des

Jan

Province

Feb

1

Jawa Barat

27

27

28

28

28

28

28

28

28

28

28

28

28

28

28

28

1

West Java

2

Banten

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

2

Banten

3

DKI Jakarta

2

2

2

2

2

2

2

1

1

1

1

1

1

1

1

1

3

DKI Jakarta

4

D.I. Yogyakarta

11

11

11

11

11

11

11

11

11

11

11

11

11

11

11

11

4

D.I. Yogyakarta

5

Jawa Tengah

21

24

25

25

25

25

25

25

25

26

26

26

26

26

26

26

5

Central Java

6

Jawa Timur

30

31

31

31

29

29

29

29

29

29

29

29

29

29

29

29

6

East Java

7

Bengkulu

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

7

Bengkulu

8

Jambi

-

-

8

Jambi

9

Nanggroe Aceh Darussalam

9


-

-

-

-

-

-

-

-

-

-

-

-

-

-

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10 Sumatera Utara

10

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

10

North Sumatera

11 Sumatera Barat

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

11

West Sumatera

12 Riau

4

2

2

3

3

3

3

3

3

3

3

3

3

3

3

3

12

Riau

13 Sumatera Selatan

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

13

South Sumatera

14 Kepulauan Bangka Belitung

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

14

Bangka Belitung

15 Kepulauan Riau

1

2

2

1

1

1

1

1

1

1

1

1

1

1

1

1

15

Riau Islands

16 Lampung

6

7

8

8

9

9

9

9

9

9

9

10

10

10

10

11

16

Lampung

17 Kalimantan Selatan

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

17

South Kalimantan

18

West Kalimantan

1

19

East Kalimantan

1

20

Central Kalimantan

21

Central Sulawesi

22

South Sulawesi

18 Kalimantan Barat

-

19 Kalimantan Timur

1

1

20 Kalimantan Tengah

-

-

21 Sulawesi Tengah

-

-

22 Sulawesi Selatan

-

7

1 1 -

7

8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

1 1 8

-

8

23 Sulawesi Utara

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

23

North Sulawesi

24 Gorontalo

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

24

Gorontalo

25 Sulawesi Barat

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

25

West Sulawesi

26 Sulawesi Tenggara

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

26

East West Sulawesi

27 Nusa Tenggara Barat

3

3

3

3

3

3

3

3

3

3

3

3

3

3

3

3

27

West Nusa Tenggara

28 Bali

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

28

Bali

29 Nusa Tenggara Timur

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

29

East Nusa Tenggara

30 Maluku

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

30

Maluku

31

Papua

32

West Irian Jaya

33

North Maluku

31 Papua

1

1

1

1

1

32 Irian Jaya Barat

-

33 Maluku Utara

-

-

-

155

158

163

Total

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1 -

1

1

1

1

1

1

1

1

1

1

1

1

1

163

162

162

162

161

161

162

162

163

163

163

163

164

Total

82


Sharia Banking Statistics, February 2016 Juta Rupiah (in Million IDR)

Tabel 27. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Sharia Rural Bank Condensed Balance Sheet ) Indikator

2011

2012

2013

2015

2014

Mar

Apr

Mei

Juni

Juli

2016 Agt

Sep

Okt

Nov

Des

Jan

Indicator

Feb

AKTIVA 1

Kas

2

Penempatan pada Bank Lain

3

Pembiayaan

4

AKTIVA 39.628

69.371

62.770

62.005

66.184

63.318

66.049

85.040

76.025

73.765

83.932

79.537

87.303

80.990

75.400

86.859

1

Cash

652.098

905.948

1.110.431

1.282.328

1.210.679

1.171.522

1.094.887

950.362

1.053.867

1.139.678

1.169.700

1.277.737

1.327.921

1.601.809

1.653.139

1.593.577

2

Placement in Other Bank

2.675.930

3.553.520

4.433.492

5.004.909

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.299

5.741.115

5.765.171

5.744.534

5.857.301

3

Financing

Tagihan Lainnya

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4

Billing and Acceptable Liabilities

5

Aktiva Istishna dalam Penyelesaian

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5

Istishna Assets in Progress

6

Penyisihan Penyusutan A.P

44.705

67.446

88.085

102.766

116.009

118.348

120.762

121.576

123.322

126.922

136.322

137.503

139.356

126.404

129.097

133.577

6

Allowances for earning assets losses

7

Aktiva Tetap dan inventaris

75.933

95.674

133.821

156.302

160.066

165.868

176.294

177.017

177.052

176.716

178.554

179.756

179.467

188.247

195.928

197.325

7

Fixed Assets and Equipment

8

Rupa-rupa Aktiva **

95.365

141.885

181.059

170.554

194.807

191.583

187.250

198.596

214.612

215.517

220.929

220.623

221.675

229.457

246.601

266.954

8

Other assets

3.520.417

4.698.952

5.833.488

6.573.331

6.731.785

6.800.044

6.839.352

6.851.136

6.952.072

7.093.481

7.172.173

7.303.448

7.418.125

7.739.270

7.788.288

7.868.439

2.095.333

2.937.802

3.666.174

4.028.415

4.152.997

4.204.807

4.193.194

4.099.039

4.192.498

4.309.645

4.380.037

4.467.490

4.569.375

4.801.888

4.845.309

4.884.414

1

Depositor Funds

TOTAL AKTIVA*

TOTAL AKTIVA*

PASIVA

PASIVA

1

Dana Pihak Ketiga

2

Kewajiban kepada Bank Lain

694.113

855.233

1.104.225

1.264.885

1.288.271

1.301.048

1.341.808

1.426.350

1.434.199

1.434.074

1.430.482

1.457.138

1.438.470

1.479.977

1.465.616

1.482.744

2

Liabilities to other Bank

3

Pinjaman Diterima

79.523

90.953

54.792

91.755

103.966

103.087

107.913

112.661

115.604

119.911

120.514

117.815

121.741

120.012

117.670

113.001

3

Received Borrowing

4

Kewajiban lainnya

23.194

34.568

50.003

53.880

69.469

56.941

62.646

54.440

51.782

51.707

51.589

48.464

46.855

53.866

51.272

55.812

4

Other Current Liabilities

5

Pinjaman Subordinasi

700

700

700

1.200

1.100

1.100

1.050

1.050

1.050

1.050

1.050

1.050

1.050

1.050

2.550

1.050

5

Subordinated Loan

6

Rupa-rupa Pasiva**

68.943

77.356

128.377

102.210

109.815

120.107

123.254

117.562

118.717

122.191

121.464

118.006

113.437

114.434

133.317

6

Other Liabilities

7

Modal disetor ( Paid-in capital )

390.216

472.202

555.646

645.617

712.651

729.964

767.517

764.517

774.392

791.160

796.909

802.649

815.180

839.553

844.227

861.199

7

Paid-in capital

8

Tambahan modal disetor

52.856

86.171

131.456

160.690

150.760

155.569

126.382

141.343

133.666

126.283

126.309

130.058

142.443

138.477

135.800

126.927

8

Additional paid-in capital

9

Selisih Penilaian kembali Aktiva Tetap

-

384

-

-

-

-

-

-

249

-

-

-

-

2.100

9.929

9.929

9

Different Appraisal Fixed Asset

a. Cadangan Umum

40.106

50.475

67.774

88.876

95.427

92.340

97.388

97.225

97.270

97.532

96.684

96.691

96.184

94.155

94.265

96.864

b. Cadangan Tujuan

10.157

10.285

14.181

19.957

23.117

24.720

28.147

28.250

27.891

28.088

26.309

26.909

26.959

26.929

26.794

27.679

10 Cadangan

-

11 Laba

10 Reserves

-

a. Tahun-tahun lalu b. Tahun berjalan TOTAL PASIVA*

a. General Reserves b. Special Purpose Reserves 11 Net Income

(26.023)

(23.659)

(34.570)

(32.265)

3.344

(19.942)

(59.540)

(64.189)

(64.881)

(65.476)

(67.806)

(67.945)

(67.945)

(69.892)

73.961

58.092

a. Previous years

86.654

106.482

129.280

121.945

28.471

40.595

52.741

67.197

70.790

80.791

87.905

101.665

109.806

137.719

6.460

17.410

b. Current year

3.520.417

4.698.952

5.833.488

6.573.331

6.731.785

6.800.044

6.839.352

6.851.136

6.952.072

7.093.481

7.172.173

7.303.448

7.418.125

7.739.270

7.788.288

7.868.439

TOTAL PASIVA*

1)

Mulai April 2012 Rupa-rupa Aktiva termasuk Agunan Yang Diambil Alih sedangkan Rupa-rupa Pasiva termasuk Laba yang Ditahan "-" : Data tidak tersedia

"-": Data not available

83



Juta Rupiah (in Million IDR ) Tabel 28. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Sharia Rural Bank Condensed Income Statement ) Indikator

2015

2011

2012

2013

2014

586.606

756.723

940.965

1.085.458

283.607

2 Pendapatan Operasional Lainnya

73.767

111.280

142.425

99.327

3 Pendapatan non operasional

10.914

17.948

14.359

226.083

292.584

445.204

593.366

Mar

Apr

Mei

Juni

Juli

380.863

478.297

579.400

678.323

22.979

35.544

45.785

53.109

14.889

2.476

5.176

6.261

344.477

402.730

110.023

147.960

753.272

796.943

199.038

273.622

2016 Agt

Sep

Okt

Nov

779.675

882.572

987.861

1.093.499

60.072

67.406

76.781

85.128

9.941

11.427

12.659

14.174

185.493

224.123

264.221

303.804

344.850

418.327

485.601

555.936

Des

Indicator

Jan

Feb

1.212.905

114.308

219.765 1

93.314

107.936

10.151

18.725 2

15.555

17.940

21.825

630

1.344 3

341.726

384.686

426.158

468.405

45.049

87.580 4

631.801

703.859

778.595

874.261

80.041

A. Pendapatan 1 Pendapatan Operasional

4 Bagi hasil investasi tidak terikat -/Total Pendapatan

A. Revenue

r)

152.254

B. Beban 1 Beban operasional 2 Beban operasional lainnya 3 Beban non operasional Total Beban C. Laba tahun berjalan D. Penambahan/pengurangan Laba tahun berjalan E. Laba tahun berjalan sebelum pajak

Operating Revenue Other operating Revenue Non operating Revenue Profit Sharing for Unrestricted Investment -/Total Revenue

B. Expenses 299.847

426.132

555.853

592.242

152.992

205.739

258.514

311.190

369.027

422.080

484.056

534.919

588.564

649.602

64.662

119.395 1

36.311

29.963

31.240

45.332

8.843

15.598

19.251

22.225

25.757

29.792

33.388

36.954

46.185

45.625

4.658

8.117 2

Other Operating Expenses

7.381

10.488

9.996

9.041

1.486

2.296

2.600

3.139

3.666

4.323

4.984

5.640

6.074

6.706

1.047

1.689 3

Non Operating Expenses

343.538

466.582

597.089

646.614

163.321

223.633

280.364

336.554

398.451

456.195

522.429

577.513

640.822

701.933

70.367

101.666

126.784

156.183

150.328

35.718

49.990

64.486

81.773

87.150

99.740

109.372

126.346

137.773

172.327

9.674

1.289

1.846

2.384

2.418

639

826

1.022

1.242

1.469

1.603

1.797

1.981

2.223

2.849

265

100.377

124.938

153.799

147.910

35.079

49.163

63.464

80.531

85.682

98.137

107.575

124.365

135.550

169.478

9.409

F. Taksiran pajak penghasilan -/-

13.723

18.456

24.519

25.966

6.608

8.568

10.723

13.334

14.891

17.347

19.670

22.700

25.744

31.760

2.949

G. Laba setelah taksiran pajak penghasilan

86.654

106.482

129.280

121.945

28.471

40.595

52.741

67.197

70.790

80.791

87.905

101.665

109.806

137.719

6.460

r) Angka-angka diperbaiki *) Angka-angka sementara 1. “Revisi data BUS-UUS mulai bulan Mei 2014 berdasarkan LSMK”

129.201

Operating Expenses

Total Expenses

23.054 C. Income 475 D. Additional/Reduction 22.578 E. Net Income before Tax 5.168 F. Tax Expense -/17.410 G. Net Income "-": Data not available *) : Provisional Figures

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

84


Sharia Banking Statistics, February 2016 Juta Rupiah (in Million IDR ) Tabel 29. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Sharia Rural Bank)

Indikator

1 Biaya promosi 2 Biaya pendidikan dan pelatihan

Total

2011

2012

2013

2014

8.228

14.130

22.303

6.568

8.846

14.796

22.976

2015 Mar

Apr

Mei

23.980

4.283

5.911

7.162

11.560

12.905

3.213

4.464

33.863

36.885

7.496

10.375

Juni

2016

Juli

Agt

Sep

Okt

Nov

Des

8.767

10.771

13.095

14.555

16.112

17.803

5.519

6.750

7.539

8.570

9.825

11.149

12.681

15.516

18.310

21.666

24.380

27.261

Indicator

Jan

Feb

19.766

1.484

2.874

1

Cost of promotion

12.693

14.205

1.479

2.827

2

Cost of education and training

30.496

33.971

2.963

5.702

Total

85



Tabel 30. Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off Balance Sheet Account - Sharia Rural Bank ) Indikator

2011

2012

2013

2015

2014

Mar

Apr

Mei

Juni

Juli

2016 Agt

Sep

Okt

Nov

Des

Jan

Feb

Tagihan Komitmen - Fasilitas pinjaman yang belum ditarik - Lainnya

Indicator Commitment Receivables

38.239

89.916

68.625

95.543

62.846

65.971

59.282

49.848

46.364

38.550

43.791

53.031

51.053

53.029

50.779

46.681 -

24

2

-

-

r)

1050

1.050

-

1.050

1.050

1.050

1.050

1.050

1.050

1.050

1.050 -

1.050

Kewajiban Komitmen 7.770

3.864

3.558

7.422

8.241

7.002

8.257

7.894

8.354

8.694

7.221

8.938

7.865

7.170

6.585

- Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik Lainnya

1.861

-

-

-

-

-

-

-

338

500

1.000

-

-

-

-

188

48

640

603

r)

2.373

2.395

2.311

2.296

2.113

2.270

2.255

2.240

2.230

2.219

- Garansi (Kafalah) yang diterima

-

-

-

-

-

-

-

69

69

69

69

69

69

69

69

69 -

- Pendapatan yang akan diterima

20.902

53.681

45.126

67.323

78.431

77.820

783.689

91.725

86.290

86.762

88.153

84.900

136.024

77.359

77.480

84.975 -

1.037

7.781

4.592

8.032

5.551

4.849

260.854

10.280

24.253

4.889

5.702

5.165

4.851

5.698

8.234

6.161 -

55.673

69.472

84.491

108.083

111.965

114.934

115.138

118.144

116.375

118.179

116.822

117.872

119.434

128.476

127.301

92.783

116.651

108.827

81.957

74.391

75.561

78.749

74.772

74.539

74.704

70.843

69.293

64.243

67.071

70.513

2.425

Tagihan Komitmen

Aktiva produktif yang dihapusbuku Penerusan dana mudharabah muqayyadah "-" : Data tidak tersedia *) :Angka-angka sementara

Others

Commitment Payables

- Fasilitas pembiayaan kepada nasabah yang belum ditarik

Lainnya

Unused Fund Borrowings Facilities

6.491 -

Unused Financing facilities granted to customer - - Unused Financing facilities granted to other Sharia banks 2.189 - Others Contingent Receivables Kafalah guarantees received Accrued Income Others

124.216 Written off earning assets 71.887 Channeling of mudharabah muqayadah "-": Data not available *) : Provisional Figures

86



Juta Rupiah (in Million IDR)

Tabel 31. Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Sharia Rural Bank ) Indikator

1 Giro iB - Akad Wadiah 2 Tabungan iB

2011

2012

2013

2015

2014

Mar

Apr

Mei

Juni

Juli

2016 Agt

Sep

Okt

Nov

Des

Jan

Indicator

Feb

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

- 1

859.844

1.117.605

1.369.112

1.540.330

1.564.134

1.581.878

1.571.862

1.499.994

1.555.251

1.615.688

1.624.917

1.656.294

1.714.179

1.857.757

1.838.434

1.820.282 2

iB Demand Deposits - Wadia iB Saving Deposits

a

Akad Wadiah

412.034

527.235

668.250

789.847

791.629

808.662

818.580

787.477

829.036

859.888

860.349

875.328

911.295

997.125

974.874

960.358

a

Wadia

b

Akad Mudharabah

447.810

590.369

700.863

750.483

772.506

773.216

753.282

712.517

726.215

755.800

764.567

780.967

802.884

860.632

863.561

859.924

b

Mudharaba

1.235.490

1.820.198

2.297.062

2.488.085

2.588.863

2.622.929

2.621.332

2.599.045

2.637.247

2.693.957

2.755.120

2.811.195

2.855.196

2.944.131

3.006.875

3 Deposito iB - Akad Mudharabah

3.064.133 3

iB Time Deposits - Mudharaba

a

1 Bulan

180.884

255.368

296.149

409.732

387.872

407.028

405.193

382.567

378.581

386.356

394.277

405.015

405.543

417.437

426.064

426.321

a

1 month

b

3 Bulan

182.351

302.759

389.829

310.313

359.911

361.212

357.926

342.168

353.059

356.013

354.872

371.755

389.281

406.192

406.552

415.677

b

3 months

c

6 Bulan

261.862

387.770

471.094

470.341

501.447

487.668

497.205

491.620

500.327

515.317

540.431

544.720

555.906

567.380

575.722

588.557

c

6 months

d

12 Bulan

588.354

851.511

1.099.854

1.283.930

1.321.536

1.334.884

1.340.832

1.338.925

1.382.894

1.407.572

1.436.206

1.456.442

1.469.892

1.519.041

1.564.658

1.599.315

d

12 months

e

> 12 Bulan

22.039

22.789

40.136

13.768

18.096

32.138

20.177

43.765

22.386

28.700

29.335

33.264

34.573

34.081

33.879

34.263

e

> 12 months

Total

2.095.333

2.937.802

3.666.174

4.028.415

4.152.997

4.204.807

4.193.194

4.099.039

4.192.498

4.309.645

4.380.037

4.467.490

4.569.375

4.801.888

4.845.309

4.884.414

"-" : Data tidak tersedia

Total "-": Data not available

87



Juta Rupiah (in Million IDR )

Tabel 32. Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Sharia Rural Bank ) Akad Akad Mudharabah

2011

2012

75.807

99.361

2013

2015

2014

106.851

122.467

2016

Contract

Mar

Apr

Mei

Juni

Juli

Agt

Sep

Okt

Nov

Des

Jan

Feb

123.975

133.805

143.760

158.936

161.846

173.162

168.007

166.578

172.820

168.516

156.595

156.048 Mudharaba 636.628 Musharaka

246.796

321.131

426.528

567.658

572.606

582.366

603.277

613.206

618.794

633.793

647.545

657.544

677.303

652.316

619.498

2.154.494

2.854.646

3.546.361

3.965.543

4.132.430

4.212.147

4.281.505

4.367.727

4.355.748

4.379.306

4.403.582

4.417.108

4.443.955

4.491.697

4.508.500

20

197

26

16

16

16

16

16

16

15

15

15

15

15

15

Akad Istishna

23.673

20.751

17.614

12.881

12.223

12.059

11.915

11.772

11.528

11.216

11.384

11.125

11.299

11.135

10.829

Akad Ijarah

13.815

13.522

8.318

5.179

6.548

6.614

6.349

6.554

6.352

6.221

6.118

5.842

6.269

6.175

6.073

Akad Qardh

72.095

81.666

93.325

97.709

108.920

108.523

107.638

115.858

110.997

118.001

119.939

120.829

119.646

123.588

121.122

126.626 Qardh

Multijasa

89.230

162.245

234.469

233.456

259.339

270.571

281.175

287.629

288.559

293.012

298.790

304.259

309.809

311.729

321.903

343.983 Multi Purpose Financing

Akad Musyarakah Akad Murabahah Akad Salam

Total

2.675.930

3.553.520

4.433.492

5.004.909

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.299

5.741.115

5.765.171

5.744.534

4.576.633 Murabaha 15 Salam 10.516 Istishna 6.852 Ijara

5.857.301

Total

88




Tabel 33. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Sharia Rural Bank based on Economic Sector ) SEKTOR EKONOMI

Pertanian, kehutanan dan sarana pertanian Pertambangan Perindustrian Listrik, gas dan air Konstruksi Perdagangan, restoran dan hotel Pengangkutan, pergudangan dan komunikasi Jasa dunia usaha Jasa sosial/masyarakat Lain-lain Total

2011

2012

2013

223.986

351.191

389.336

2014

326.330

2015 Mar

Apr

Mei

337.052

264.579

360.111

Juni 369.249

2016

Juli

Agt

Sep

Okt

Nov

Des

Jan

Feb

369.011

376.297

358.855

355.576

357.498

356.632

357.963

365.077

ECONOMIC SECTOR

Agriculture, forestry and agricultural facilities

2.475

7.851

6.004

6.886

7.564

7.968

7.023

8.369

8.187

7.659

7.922

8.653

8.404

9.561

9.264

9.545

33.781

31.314

39.681

53.026

51.419

59.852

58.845

56.099

61.194

61.645

56.070

53.918

51.006

50.331

50.979

49.494

Manufacturing

2.785

4.038

7.312

9.476

9.338

12.413

8.846

11.959

8.695

9.136

8.147

11.857

11.531

10.957

13.121

12.848

Water, gas and electricity

92.603

125.137

157.138

237.323

257.588

279.906

300.591

309.895

311.762

320.874

331.266

348.807

354.343

339.756

307.109

324.857

1.006.448

1.222.281

1.443.921

1.575.091

1.525.023

1.989.033

1.621.891

1.656.580

1.660.527

1.655.577

1.664.939

1.667.567

1.687.114

1.696.081

1.662.063

1.666.152

36.506

67.423

70.748

83.283

85.655

91.754

98.631

97.509

94.214

93.563

88.672

89.840

92.580

88.405

86.885

87.207

255.311

264.569

338.850

491.775

530.813

288.917

516.715

537.911

536.575

547.503

554.642

558.424

556.352

566.188

559.014

569.060

Business Services

91.939

227.216

365.005

458.242

473.353

439.045

528.044

538.991

532.806

542.826

565.298

551.224

555.753

550.037

552.929

575.333

Social Services

930.095

1.252.499

1.615.497

1.763.477

1.938.253

1.892.633

1.934.937

1.975.135

1.970.867

1.999.646

2.019.569

2.037.396

2.066.534

2.097.224

2.145.207

2.197.728

2.675.930

3.553.520

4.433.492

5.004.909

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.263

5.741.115

5.765.171

5.744.534

5.857.301

Mining

Construction Trade, restaurants and hotels Transport, cargo storage and communication

Others Total

89




Tabel 34. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Sharia Rural Bank based on Type of Usage ) JENIS PENGGUNAAN

Modal Kerja

2011

2012

2013

2014

2015 Mar

Apr

Mei

Juni

Juli

2016 Agt

Sep

Okt

Nov

Des

Jan

Feb

TYPE OF USAGE

1.470.107

1.835.958

2.206.004

2.348.000

2.319.770

2.438.701

2.478.091

2.526.829

2.523.892

2.543.875

2.545.164

2.559.599

2.584.971

2.559.350

1.115.756

1.139.194 Working Capital

Investasi

275.727

465.062

611.992

893.432

958.035

994.768

1.022.607

1.059.735

1.059.081

1.071.206

1.090.647

1.086.267

1.089.611

1.108.597

2.145.207

2.197.728 Investment

Konsumsi

930.095

1.252.499

1.615.497

1.763.477

1.938.253

1.892.633

1.934.937

1.975.135

1.970.867

1.999.646

2.019.569

2.037.396

2.066.534

2.097.224

2.483.571

2.520.378 Consumption

2.675.930

3.553.520

4.433.492

5.004.909

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.263

5.741.115

5.765.171

5.744.534

Total

5.857.301

Total

90



Tabel 35. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Sharia Rural Bank based on Type of Financing ) GOLONGAN PEMBIAYAAN


Selain Usaha Kecil dan Menengah Total

2011

2012

2013

2014

2015 Feb

Mar

Apr

Mei

Juni

Juli

2016 Agt

Sep

Okt

Nov

Des

Jan

Feb

TYPE OF FINANCING

1.547.205

2.080.094

2.620.263

3.005.858

3.009.666

3.024.673

3.129.535

3.214.794

3.303.629

3.294.839

3.320.284

3.333.936

3.336.044

3.372.518

3.377.987

3.325.863

3.379.218 Small and Medium Enterprises

1.128.725

1.473.426

1.813.230

1.999.051

2.083.546

2.191.385

2.196.567

2.220.841

2.258.069

2.259.001

2.294.442

2.321.444

2.347.219

2.368.598

2.387.184

2.418.670

2.478.083 Non Small and Medium Enterprises

2.675.930

3.553.520

4.433.492

5.004.909

5.093.212

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.263

5.741.115

5.765.171

5.744.534

5.857.301

Total

91



Tabel 36. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Sharia Rural Bank based on Collectibility ) KOLEKTIBILITAS PEMBIAYAAN

2016

COLLECTIBILITY OF FINANCING

2012

2013

2.512.328

3.334.885

4.145.119

4.610.238

4.629.015

4.726.606

4.829.382

4.925.731

5.047.296

5.009.552

5.067.652

5.097.799

5.114.232

5.184.926

5.292.330

5.222.982

5.306.434

163.602

218.635

288.373

394.671

464.197

489.452

496.720

509.903

514.402

544.287

547.074

557.581

569.031

556.190

472.841

521.552

550.867

Non Performing Financing

- Kurang Lancar

49.319

72.806

90.581

136.251

190.590

191.161

174.121

173.666

176.756

191.647

184.379

193.875

193.606

186.666

134.512

176.617

195.024

Sub-Standard

- Diragukan

44.663

51.649

65.847

81.069

85.490

98.003

108.815

113.688

113.260

118.137

119.567

115.061

111.022

109.031

95.060

94.619

95.680

- Macet

69.620

94.180

131.945

177.351

188.117

200.288

213.784

222.549

224.385

234.503

243.129

248.645

264.404

260.492

243.269

176.617

195.024

2.675.930

3.553.520

4.433.492

5.004.909

5.093.212

5.216.058

5.326.101

5.435.635

5.561.698

5.553.840

5.614.726

5.655.380

5.683.263

5.741.115

5.765.171

5.744.534

5.857.301

Lancar Non Lancar

Total Pembiayaan Persentase NPF

6,11%

6,15%

6,50%

2014

2015

2011

7,89%

Feb

9,11%

Mar

9,38%

Apr

9,33%

Mei

9,38%

Juni

9,25%

Juli

9,80%

Agt

9,74%

Sep

9,86%

Okt

10,01%

Nov

9,69%

Des

8,20%

Jan

9,08%

Feb

9,40%

Performing Financing

Doubtful Lost Total Financing Percentage of NPFs

92




Tabel 37. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Sharia Rural Bank based on Economic Sector ) SEKTOR EKONOMI Pertanian, kehutanan dan sarana pertanian Pertambangan Perindustrian Listrik, gas dan air Konstruksi Perdagangan, restoran dan hotel Pengangkutan, pergudangan dan komunikasi Jasa dunia usaha Jasa sosial/masyarakat Lain-lain Total

2011

2012

2013

2014

2015 Mar

Apr

Mei

Juni

Juli

2016

Agt

Sep

Okt

Nov

Des

Jan

ECONOMIC SECTOR

Feb

8.446

16.813

32.356

34.327

45.433

39.997

44.184

44.021

45.528

46.175

49.836

50.302

50.542

47.795

50.574

52.349

261

247

1.074

319

1.240

742

875

1.195

1.457

1.441

1.456

1.291

1.237

849

1.212

1.453

2.532

3.693

3.407

5.423

6.031

6.759

6.559

7.405

8.865

7.799

7.532

7.412

6.944

5.944

6.443

5.586

808

67

32

895

722

1.198

1.821

1.214

1.143

1.331

931

1.409

1.021

780

1.429

3.208

12.131

8.261

9.797

16.924

25.889

26.591

28.914

27.314

31.884

31.267

31.180

35.040

33.660

25.157

31.194

33.235

69.832

97.578

137.654

191.559

208.392

224.616

218.804

221.831

230.744

234.953

240.381

248.173

241.655

211.570

227.130

234.516

1.947

3.217

3.309

4.825

8.213

9.778

10.561

9.158

11.505

10.403

9.354

9.721

9.941

7.661

9.524

10.313

15.612

21.020

11.893

21.292

28.718

37.827

36.865

39.344

39.854

39.651

37.584

37.727

35.327

25.412

26.693

30.442

6.940

11.780

24.877

35.376

50.353

41.787

50.637

49.829

55.208

56.511

55.653

54.495

52.582

44.644

49.941

57.627

45.093

55.960

63.974

83.731

114.462

107.426

110.683

113.089

118.100

117.543

123.673

123.460

123.282

103.028

117.411

122.137

163.602

218.635

288.373

394.671

489.452

496.720

509.903

514.402

544.287

547.074

557.581

569.031

556.190

472.841

521.551

550.867

Agriculture, forestry and agricultural facilities

Mining

Manufacturing

Water, gas and electricity

Construction

Trade, restaurants and hotels

Transport, cargo storage and communication

Business Services

Social Services

Others Total

93


Sharia Banking Statistics, February 2016 Juta Rupiah (in Million IDR )

Tabel 38. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Sharia Rural Bank based on Type of Usage ) 2011

2012

2013

2014

106.890

142.934

198.594

Investasi

11.618

19.741

Konsumsi

45.093 163.602

JENIS PENGGUNAAN

Modal Kerja

Total

2015

2016

Mar

Apr

Mei

Juni

Juli

Agt

Sep

Okt

Nov

Des

Jan

Feb

268.743

314.444

332.398

337.561

337.338

358.656

362.050

364.028

375.960

362.496

311.785

340.616

364.855

25.805

42.197

60.547

56.896

61.660

63.975

67.532

67.481

69.881

69.611

70.412

58.028

63.525

63.875

55.960

63.974

83.731

114.462

107.426

110.683

113.089

118.100

117.543

123.673

123.460

123.282

103.028

117.411

122.137

218.635

288.373

394.671

489.452

496.720

509.903

514.402

544.287

547.074

557.581

569.031

556.190

472.841

521.552

550.867

TYPE OF USAGE

Working Capital Investment Consumption Total

94



Tabel 39. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Sharia Rural Bank based on Type of Financing ) GOLONGAN PEMBIAYAAN

Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah Total

2011

2012

2013

2014

2015 Mar

Apr

Mei

Juni

Juli

Agt

2016 Sep

Okt

Nov

Des

Jan

Feb

TYPE OF FINANCING

110.786

148.572

211.390

295.796

353.288

363.429

373.741

375.726

395.765

401.128

403.452

414.311

404.269

350.237

382.374

404.906

Small and Medium Enterprises

52.816

70.063

76.982

98.875

136.165

133.291

136.162

138.676

148.522

145.946

154.129

154.720

151.921

122.604

139.178

145.961

Non Small and Medium Enterprises

52.816

70.063

288.373

394.671

489.452

496.720

509.903

514.402

544.287

547.074

557.581

569.031

556.190

472.841

521.552

550.867

Total

95



Tabel 40. Jumlah Rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Sharia Rural Bank ) Jenis Dana Pihak Ketiga

2011

2012

2013

681.476

787.923

907.755

-

Giro iB

-

2015

2014

-

1.021.776 -

2016

Type

Mar

Apr

Mei

Juni

Juli

Agt

Sep

Okt

Nov

Des

Jan

Feb

1.047.953

1.066.967

1.078.496

1.087.192

1.096.906

1.116.800

1.131.887

1.143.493

1.153.617

1.163.287

1.175.472

1.188.879

-

-

-

-

-

-

-

-

-

-

-

-

Demand Deposits

658.080

759.363

875.193

986.204

1.010.837

1.029.717

1.041.797

1.051.786

1.060.930

1.079.810

1.094.133

1.104.820

1.114.148

1.123.015

1.134.034

1.146.839

23.396

28.560

32.562

35.572

37.116

37.250

36.699

35.406

35.976

36.990

37.754

38.673

39.469

40.272

41.438

42.040

170.098

211.385

215.761

227.517

231.720

231.378

231.868

234.114

232.992

233.621

233.825

233.419

234.496

233.209

235.310

240.658

Akad Mudharabah

1.695

1.633

1.502

1.354

1.299

1.349

1.391

1.441

1.429

1.445

1.443

1.454

1.451

1.343

1.308

1.331

Akad Musyarakah

5.127

4.342

4.261

4.423

4.451

4.536

4.680

4.867

4.842

4.922

4.895

4.890

4.910

4.712

4.521

4.809

135.953

173.777

192.993

188.343

190.337

189.544

189.338

190.478

189.904

189.765

190.654

190.499

190.879

189.985

191.342

194.527

2

32

6

4

4

4

4

4

4

4

4

4

4

4

4

4

610

511

419

365

363

363

365

364

360

357

355

353

341

340

335

333

Akad Ijarah

17.111

17.766

16.589

17.846

17.884

17.890

18.344

17.774

18.236

17.201

17.129

17.331

17.758

18.344

19.544

Akad Qardh

1.038

1.101

505

348

375

378

373

381

381

381

377

381

391

395

405

Multijasa

8.562

12.223

16.075

16.091

17.045

17.320

17.827

18.235

18.298

18.511

18.896

19.090

19.199

18.676

19.061

19.705

851.574

999.308

1.123.516

1.249.293

1.279.673

1.298.345

1.310.364

1.321.306

1.329.898

1.350.421

1.365.712

1.376.912

1.388.113

1.396.496

1.410.782

1.429.537

Tabungan iB Deposito iB Pembiayaan

Akad Murabahah Akad Salam Akad Istishna

Total "-" : Data tidak tersedia r) Angka-angka diperbaiki *) Angka-angka sementara

-

-

Depositor Funds

Saving Deposits Time Deposits Financing Mudharaba Musharaka Murabaha Salam Istishna Qardh Ijara Multi Purpose Financing Total "-": Data not available r) Revised figures *) Provisional figures

96



Tabel 41. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Sharia Rural Bank ) Jenis

2011

2012

2013

2014

2015 Mar

Apr

Mei

-

-

-

Juni

Juli

2016

Agustus

Sep

Okt

Nov

Des

Jan

Feb

-

-

-

-

-

-

Depositor Funds

Dana Pihak Ketiga 1 Giro iB

-

2 Tabungan iB

Type

-

0,06

-

0,05

-

4,57

4,32

6,28

4,08

3,95

3,93

4,00

3,88

3,96

3,98

3,97

4,06

3 Deposito iB

1 Demand Deposits 2 Saving Deposits

4,71

4,64

-

-

3 Time Deposits a 1 month

a 1 Bulan

0,12

0,13

14,09

13,87

13,59

13,88

12,64

12,20

13,40

11,61

12,28

11,83

11,58

12,09

11,80

11,59

b 3 Bulan

0,11

0,09

10,58

10,15

9,20

9,52

9,35

8,70

8,57

8,71

8,88

8,91

8,92

9,19

8,68

8,56

c 6 Bulan

0,13

0,11

10,95

10,94

9,71

9,71

9,68

9,79

9,64

9,46

9,55

9,48

9,49

9,72

9,30

9,28

c 6 months

d 12 Bulan

0,12

0,11

11,66

11,71

11,08

10,89

10,71

10,54

10,82

10,45

10,07

10,11

10,02

10,36

9,86

9,90

d 12 months

e > 12 Bulan

0,11

0,08

55,17

9,96

10,18

9,65

10,50

13,93

14,71

11,15

18,20

19,14

17,67

13,94

11,88

12,42

Pembiayaan

b 3 months

e > 12 months Financing

-

-

1 Akad Mudharabah

0,21

0,17

16,20

16,46

17,48

18,41

18,81

18,79

18,06

18,48

18,09

17,77

17,27

17,39

17,86

17,91

1 Mudharaba

2 Akad Musyarakah

0,22

0,21

20,28

20,61

21,00

22,08

21,30

21,54

21,52

21,40

21,72

21,94

21,43

21,10

21,07

21,63

2 Musharaka

3 Akad Murabahah

0,19

0,23

18,27

18,51

18,48

18,32

18,45

18,30

18,26

18,19

18,13

18,14

18,18

18,12

18,10

18,18

3 Murabaha

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5 Akad I'stishna

0,08

0,08

7,58

7,85

7,89

7,88

7,93

7,94

7,96

7,97

8,09

8,12

8,23

8,29

8,30

8,32

1)

0,00

0,19

12,53

14,92

17,40

17,34

19,78

17,54

17,47

17,79

16,93

16,72

16,93

15,25

24,25

22,76

4 Akad Salam

6 Akad Ijarah 7 Akad Qardh

-

-

8 Multijasa 1)

-

0,22

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20,02

14,82

14,49

14,68

15,02

14,93

13,34

14,70

14,99

14,77

14,84

14,99

14,92

15,09

4 Salam 5 Istishna 6 Ijara

1)

7 Qardh 8 Multi Purpose Financing

1)

1) Mulai Oktober 2012 terdapat perubahan dalam perhitungan tingkat imbalan ijarah dan multijasa


"-": Data not available

97



Tabel 42. Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Sharia Rural Bank ) Rasio

2011

2012

2013

2014

1 CAR

23,49%

25,16%

22,08%

2 ROA

2,67%

2,64%

3 ROE

18,95%

4 NPF 5 FDR 6 BOPO

®

2015

2016

Mar

Apr

Mei

Juni

Juli

Agt

Sep

Okt

Nov

Des

Jan

Feb

22,77%

23,04%

22,53%

21,73%

21,73%

21,52%

20,85%

20,71%

20,93%

22,08%

21,47%

23,48%

23,17% 1 CAR

2,79%

2,26%

2,07%

2,19%

2,17%

2,30%

2,28%

2,34%

2,22%

2,20%

2,15%

2,20%

2,32%

2,32% 2 ROA

20,54%

21,22%

16,13%

14,18%

15,27%

15,08%

16,15%

15,82%

16,16%

14,93%

14,71%

14,46%

14,66%

15,65%

15,64% 3 ROE

6,11%

6,15%

6,50%

7,89%

10,36%

9,33%

9,38%

9,25%

9,80%

9,74%

9,87%

10,01%

9,69%

8,20%

9,08%

9,41% 4 NPF

127,71%

120,96%

120,93%

124,24%

125,60%

126,67%

129,63%

135,68%

132,47%

130,28%

129,01%

127,21%

125,64%

120,06%

118,56%

11,99% 5 FDR

76,31%

80,02%

80,75%

87,79%

88,66%

88,68%

88,38%

88,13%

89,24%

89,20%

89,55%

89,14%

89,38%

88,09%

91,89%

Ratio

90,18% 6 BOPO

terdapat koreksi data FDR

98



Tabel 43. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Sharia Rural Bank based on Total Assets ) Total Aset (Rp)

2015

2016

2011

2012

2013

2014

3

6

4

1

1

1

1

1

1

1

1

1

1

1

1

1

< 1 Billion

1 s.d. 5 Miliar

24

17

19

11

10

11

11

10

10

11

10

10

10

8

9

9

1 up to 5 Billion

> 5 s.d. 10 Miliar

39

36

30

34

32

33

33

32

31

31

30

30

27

29

26

25

> 10 Miliar

89

99

110

117

119

117

117

118

119

119

121

122

125

125

127

129

155

158

163

163

162

162

162

161

161

162

162

163

163

163

163

164

< 1 Miliar

Total

r) Angka-angka diperbaiki

Mar

Apr

Mei

Juni

Juli

Agt

Sep

Okt

Nov

Des

Jan

Total Assets (in IDR)

Feb

>5 up to 10 Billion > 10 Billion Total

r) Revised figure


99



Tabel 44. Total Aset, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Provinsi - Februari 2016 (Total of Gross Assets, Financing, Depositor Funds, Percentage of FDR, Percentage of NPF Sharia Rural Banks based on Province - February 2016 ) Propinsi

Aset (Assets)

Pembiayaan (Financing)

Dana Pihak Ketiga (Depositor Funds)

FDR

NPF

Province


176.350

114.613

111.977

102,35

8,63


Sumatera Utara

121.447

91.891

83.120

110,55

5,34

North Sumatera

Sumatera Barat

192.800

132.179

146.293

90,35

12,48

West Sumatera

17.210

12.018

8.124

147,93

5,63

South Sumatera

488.261

321.746

415.583

77,42

17,24

Bangka Belitung

Sumatera Selatan Bangka Belitung Jambi

-

-

-

0,00

0,00

Bengkulu

134.440

87.142

98.994

88,03

34,71

Riau

133.683

113.833

65.769

173,08

7,17

50.081

46.162

29.250

157,82

16,61

384.310

270.900

138.459

195,65

4,01

Kepulauan Riau Lampung DKI Jakarta

Jambi Bengkulu Riau Riau Islands Lampung DKI Jakarta

17.618

12.855

9.010

142,67

10,29

2.335.652

1.882.691

1.280.845

146,99

7,44

West Java

Banten

741.618

584.254

551.317

105,97

7,98

Banten

Jawa Tengah

807.227

577.604

586.262

98,52

8,30

Central Java DI Yogyakarta

Jawa Barat

DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur

391.366

270.215

296.483

91,14

8,29

1.425.338

1.031.390

804.557

128,19

10,94

East Java

7.026

5.587

3.089

180,87

11,00

Bali

-

-

-

0,00

0,00

West Kalimantan

9.198

7.544

5.449

138,46

2,69

Central Kalimantan East Kalimantan

8.957

1.351

5.306

25,46

3,11

37.373

19.485

26.413

73,77

20,92

Sulawesi Utara

-

-

-

0,00

0,00

North Sulawesi

Gorontalo

-

-

-

0,00

0,00

Gorontalo

Sulawesi Barat

-

-

-

0,00

0,00

West Sulawesi

Sulawesi Tengah

-

-

-

0,00

0,00

Central Sulawesi

Sulawesi Tenggara

-

-

-

0,00

0,00

South East Sulawesi

155.147

121.007

63.721

189,90

18,37

-

-

-

0,00

0,00

Maluku

23.259

15.232

12.877

118,29

4,43

North Maluku

NTB

208.846

136.656

140.607

97,19

5,03

West Nusa Tenggara

NTT

-

-

-

0,00

0,00

East Nusa Tenggara West Irian Jaya

Kalimantan Selatan

Sulawesi Selatan Maluku Maluku Utara

Irian Jaya Barat Papua "-" : Data tidak tersedia

-

-

-

0,00

0,00

1.233

946

908

104,19

55,62

South Kalimantan

South Sulawesi

Papua "-" : Data not available

100



Juta Rupiah (in Million IDR )

Tabel 45. Total Pembiayaan Bank Perkreditan Rakyat Syariah berdasarkan Sektor Ekonomi dan Provinsi - Februari 2016 (Financing of Sharia Rural Bank based on Economic Sector and Province - February 2016 )

Propinsi

Pertanian, kehutanan dan sarana pertanian Agriculture, forestry and agricultural facilities

Pertambangan Mining

Perindustrian Manufacturing

Listrik, gas dan air Water, gas and electricity

Pengangkutan, pergudangan dan komunikasi Transport, cargo storage and communication

Perdagangan, restoran dan hotel Trade, restaurants and hotels

Konstruksi Construction

Jasa dunia usaha Business Services

Jasa sosial / masyarakat Social Services

Lain-lain Others

Province

2.684,24


1.688

11

1.951

11

1.109

470

6.639

56.561

Sumatera Utara

3.303

18

3.592

17

3

31

1.161

10.328

383,45

Sumatera Barat

13.431

169

13.127

301

2.716

2

8.300

60.591

4.605,03


154

-

213

-

861

-

57

3.375

51.239

1.888

50.698

1.788

1.735

1.453

50.297

136.191

6.593,86 -

-

-

-

-

-

-

-

-

61.969

217

65.464

198

265

-

320

13.226

292,82

Riau

5.167

608

4.919

602

1.445

87

1.531

13.571

8.762,53

Kepulauan Riau

2.526

-

2.500

-

-

-

704

1.599

21.369

77

21.346

68

210

50

335

14.514

Bengkulu

Lampung DKI Jakarta Jawa Barat

421,54

51

-

45

-

24

-

765

1.615

1,89

123.126

2.197

128.442

1.886

12.688

5.752

52.592

457.660

28.646,71

449

162

966

152

7.987

2.425

21.582

293.694

1.997,91

24.942

1.369

25.436

1.217

8.641

1.317

86.475

147.893

9.209,58

5.172

345

5.058

427

2.927

346

20.564

63.312

4.258,29

39.755

1.451

39.138

1.864

8.109

889

54.966

263.009

14.819,94

Bali

-

-

-

-

-

-

365

1.756

175,68

Kalimantan Barat

-

-

-

-

-

-

-

-

134

-

126

-

49

-

-

1.794

-

-

-

-

-

-

-

137

11,88 3.612,96

Banten Jawa Tengah DI Yogyakarta Jawa Timur

Kalimantan Tengah Kalimantan Timur Kalimantan Selatan

-

1.175

106

1.159

106

-

-

425

4.540

Sulawesi Utara

-

-

-

-

-

-

-

-

-

Gorontalo

-

-

-

-

-

-

-

-

-

Sulawesi Barat

-

-

-

-

-

-

-

-

-

Sulawesi Tengah

-

-

-

-

-

-

-

-

-

Sulawesi Tenggara

-

-

-

-

-

-

-

-

125

10

84

13

724

-

8.443

19.428

Sulawesi Selatan Maluku

421,10 -

-

-

-

-

-

-

-

-

57

-

33

-

-

-

144

7.487

238,33

NTB

781

931

759

894

-

25

9.192

93.239

17,04

NTT

-

-

-

-

-

-

-

-

Irian Jaya Barat

-

-

-

-

-

-

-

-

21

1

21

1

-

-

-

636

Maluku Utara

Papua "-" : Data tidak tersedia

51,83 "-" : Data not available

101


Sharia Banking Statistics, February 2016 Juta Rupiah (in Million IDR )

Tabel 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Provinsi - Februari 2016 (Financing of Sharia Rural Bank based on Type of Usage and Province - February 2016 ) Propinsi

Modal Kerja Working Capital

Investasi Investment

Konsumsi Consumption

Province


70.632

5.058

38.924 Nanggroe Aceh Darussalam

Sumatera Utara

17.182

4.289

70.420 North Sumatera

Sumatera Barat

81.701

22.605

27.874 West Sumatera


4.483

1.196

6.339 South Sumatera

206.340

97.872

17.535 Bangka Belitung

-

-

Bengkulu

61.023

19.487

Riau

41.188

2.529

1.785

3.085

33.370

31.573

Kepulauan Riau Lampung DKI Jakarta

6.340

-

Jawa Barat

588.527

604.860

Banten

408.055

87.510

Jawa Tengah

275.172

108.536

DI Yogyakarta

122.328

48.051

Jawa Timur

429.615

79.024

2.046

1.353

Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan

-

-

2.261

1.671

201

36

15.740

-

-

Jambi

6.632 Bengkulu 70.117 Riau 41.292 Riau Islands 205.957 Lampung 6.515 DKI Jakarta 689.303 West Java 88.689 Banten 193.896 Central Java 99.836 DI Yogyakarta 522.750 East Java 2.188 Bali -

West Kalimantan

3.613 Central Kalimantan 1.114 East Kalimantan 3.746 South Kalimantan

Sulawesi Utara

-

-

-

North Sulawesi

Gorontalo

-

-

-

Gorontalo

Sulawesi Barat

-

-

-

West Sulawesi

Sulawesi Tengah

-

-

-

Central Sulawesi

Sulawesi Tenggara

-

-

-

South East Sulawesi

Sulawesi Selatan Maluku Maluku Utara NTB

27.494 -

6.681 -

8.363

37

115.877

13.690

86.831 South Sulawesi -

Maluku

6.832 North Maluku 7.088 West Nusa Tenggara

NTT

-

-

-

East Nusa Tenggara

Irian Jaya Barat

-

-

-

West Irian Jaya

Papua "-" : Data tidak tersedia

658

51

237 Papua "-" : Data not available

102



Tabel 47. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Provinsi - Februari 2016 (Financing of Sharia Rural Bank based on Type of Financing and Province - February 2016 )

Propinsi

Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises


Province


74.152

40.461 Nanggroe Aceh Darussalam

Sumatera Utara

14.187

77.703 North Sumatera

Sumatera Barat

92.789

39.390 West Sumatera


5.338

6.680 South Sumatera

303.534

18.212 Bangka Belitung

-

Bengkulu

79.236

Riau

14.572

Kepulauan Riau Lampung DKI Jakarta Jawa Barat

4.585 60.839 6.136 1.153.832

-

Jambi

7.906 Bengkulu 99.262 Riau 41.577 Riau Islands 210.061 Lampung 6.718 DKI Jakarta 728.859 West Java

Banten

488.408

Jawa Tengah

357.394

220.210 Central Java

DI Yogyakarta

139.575

130.640 DI Yogyakarta

Jawa Timur

451.400

579.989 East Java

Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan

2.757 3.931 237 15.740

95.846 Banten

2.830 Bali -

West Kalimantan

3.613 Central Kalimantan 1.114 East Kalimantan 3.746 South Kalimantan

Sulawesi Utara

-

-

North Sulawesi

Gorontalo

-

-

Gorontalo

Sulawesi Barat

-

-

West Sulawesi

Sulawesi Tengah

-

-

Central Sulawesi

Sulawesi Tenggara

-

-

South East Sulawesi

Sulawesi Selatan Maluku Maluku Utara NTB

33.862 8.400 67.613

87.145 South Sulawesi -

Maluku

6.832 North Maluku 69.043 West Nusa Tenggara

NTT

-

-

East Nusa Tenggara

Irian Jaya Barat

-

-

West Irian Jaya

Papua

700

246 Papua

103

KATA PENGANTAR FOREWARD

Recommend Documents