NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS (Miliar / Billion Rp)
1
1
I.1.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM DAN KREDIT PERBANKAN
NET EXPANSION OF MSMEs CREDIT AND BANKING CREDIT . I.1.A 2011
Net Ekspansi
2008
2009
2010
Kredit UMKM Kredit Non UMKM Kredit Perbankan Persentase terhadap Rencana Bisnis Kredit MKM
2012
s.d Ags
s.d Sept
s.d Okt
s.d Nov
s.d Des
55,646.9 218,731.6 274,378.5
63,499.4 259,409.2 322,908.7
66,818.1 283,990.0 350,808.1
72,740.6 319,540.6 392,281.3
43.41%
49.53%
52.12%
56.74%
s.d Jan
85,587.6 363,016.3 448,604.0
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Ags
-9,086.8 11,319.0 2,232.2
1,289.4 66,875.4 68,164.8
11,830.9 108,985.2 120,816.0
27,004.1 164,258.3 191,262.4
50,530.3 208,541.7 259,072.0
50,093.3 227,734.1 277,827.3
33,306.1 MSMEs Credit 285,739.2 Non MSMEs Credit 319,045.2 Total Credit
-24.09%
-6.02%
0.85%
7.84%
17.89%
33.47%
33.18%
Percentage on Business Plan of
66.76%
I.1.B PERKEMBANGAN NET EKSPANSI KREDIT MKM DAN KREDIT PERBANKAN Net Ekspansi
Persentase terhadap Rencana Bisnis Kredit MKM
2008
136,270.8 169,020.6 5,735.5 311,027.0 101.09%
2009
2010
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
s.d Mar
s.d Sept
s.d Okt
s.d Apr
s.d Mei
s.d Juli
s.d Ags
194,807.3 142,951.5 -3,085.7 334,673.1
153,566.1 127,741.0 2,139.7 283,446.7
172,720.2 156,636.6 2,620.0 329,356.8
191,312.3 165,753.3 2,810.6 359,876.3
209,820.7 188,240.4 3,288.3 401,349.9
230,150.3 224,711.1 2,810.7 457,672.1
-37,442.5 -4,543.1 1,841 -40,144.4
-13,493.4 15,010.1 715 2,232.2
11,146.3 56,043.2 975 68,164.8
35,004.9 84,160.9 1,650 120,816.0
56,768.3 131,263.6 3,230 191,262.4
96,220.7 159,723.9 3,127 259,072.0
116,750.7 161,076.6 3,748.7 277,827.3
121,645.4 197,399.9 4,622.4 319,045.2
77.58%
111.99%
-
-
-
-
-
-
-
-
-
-
-
-
-
2009
2010
s.d Ags
MSM Credit Non MSM Credit MSM Credit cards Total Credit Percentage on Business Plan of MSM Credit
NET EXPANSION OF MSMEs CREDIT BASED ON ENTERPRISES CLASSIFICATION .I.2.A 2011
2008
s.d Juni
Net Expansion
s.d Ags
106,456.1 20,300.4 6,344.0 133,100.4
I.2.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KLASIFIKASI USAHA Net Ekspansi
22.06% MSMEs Credit
NET EXPANSION OF MSM CREDIT AND BANKING CREDIT . I.1.B 2011
Kredit MKM r Kredit Non MKM Kartu Kredit MKM Kredit Perbankan
Net Expansion
s.d Juli
-36,372.2 -3,772.2 -40,144.4
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
Net Expansion
Kredit Usaha Mikro Kredit Usaha Kecil
19,507.9 6,211.1
20,820.0 7,792.6
17,030.8 10,061.7
17,030.3 10,450.3
18,607.0 13,278.8
-13,102 -10,866
760.9 -3,600.9
2,252.9 -47.3
-1,207.7 5,649.4
8,379.7 9,430.1
13,157.4 17,151.5
17,408.6 16,528.6
8,172.0 Micro Enterprises Credit 9,998.4 Small Enterprises Credit
Kredit Usaha Menengah
29,927.9
34,886.8
39,725.6
45,260.0
53,701.8
-12,404
-6,246.8
-916.1
7,389.1
9,194.2
20,221.4
16,156.1
15,135.6 Medium Enterprises Credit
Net Ekspansi Kredit UMKM
55,646.9
63,499.4
66,818.1
72,740.6
85,587.6
-36,372
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1 Total Net Expansion of MSME
I.2.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT PLAFON
NET EXPANSION OF MSM CREDIT BASED ON PLAFOND .I.2.B 2011
Net Ekspansi
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
Kredit Mikro (Rp 0-Rp 50 Jt)
31,551.0
21,123.5
28,853.3
25,226.2
30,252.3
33,505.3
37,460.0
39,842.2
-14,726.7
-24,580.5
-21,228.0
-15,707.9
-21,086.9
-12,911.0
3,349.5
Kredit Kecil (>Rp 50 Jt-Rp500Jt) Kredit Menengah (>Rp500 JtRp5M)
66,576.2
62,622.9
111,752.1
86,638.3
93,393.9
103,396.7
110,794.6
119,411.5
-10,948.3
12,841.6
23,598.0
30,166.7
47,404.0
63,614.0
67,611.2
38,143.6
22,709.6
54,201.9
41,701.6
49,074.0
54,410.4
61,566.1
70,896.6
-11,767.6
-1,754.6
8,776.3
20,546.0
30,451.2
45,517.7
45,790.1
136,270.8
106,456.1
194,807.3
153,566.1
172,720.2
191,312.3
209,820.7
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
Net Ekspansi Kredit MKM
s.d Ags
Net Expansion
-217.5 Micro Credit (up to IDR50 million) Small Credit (>IDR50 million 74,891.0 IDR500 million) Medium Credit (>IDR500 million46,971.9 IDR5 billion) 121,645.4 Total Net Expansion of MSM
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS (Miliar / Billion Rp)
1
1
I.3.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT SEKTOR EKONOMI
NET EXPANSION OF MSMEs CREDIT BASED ON ECONOMIC SECTORS .I.3.A 2011
Net Ekspansi
2008
2009
2010
1. Pertanian, Perburuan dan Kehutanan 2. Perikanan 3. Pertambangan dan Penggalian 4. Industri pengolahan 5. Listrik, Gas dan Air 6. Konstruksi 7. Perdagangan besar dan eceran 8. Penyediaan akomodasi dan penyediaan makan minum 9. Transportasi, pergudangan dan komunikasi 10. Perantara keuangan 11. Real estate, usaha persewaan dan jasa perusahaan 12. Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib 13. Jasa pendidikan 14. Jasa kesehatan dan kegiatan sosial 15. Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 16. Jasa perorangan yang melayani rumah tangga
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
3,611.8 337.3 468.5 5,735.3 -274.5 2,552.7
5,707.0 370.8 526.1 5,728.3 128.1 3,767.1
7,523.7 481.2 391.5 6,632.8 -200.2 4,592.3
7,645.3 450.1 509.1 7,099.8 -146.6 4,915.7
10,814.6 506.2 799.5 9,371.0 -114.9 4,280.6
-1,494.0 -65.6 -314.7 -5,507.8 -45.2 -2,380.2
2,411.8 -26.6 -129.4 -4,268.5 130.8 -1,188.2
2,841.4 -16.3 55.0 -2,337.4 298.3 -535.1
1,883.7 -30.9 577.8 -36.8 330.2 241.8
6,864.7 147.8 865.6 1,871.0 489.4 1,690.8
11,803.4 302.9 1,286.5 3,247.0 522.3 4,389.9
11,086.2 326.7 1,094.0 2,931.9 598.6 5,228.8
17,994.9
22,593.5
23,857.5
26,438.2
37,054.2
-14,645.3
-6,021.8
-1,442.8
5,616.1
13,369.0
31,769.5
32,589.7
1,609.5
1,744.3
2,029.3
2,566.6
2,964.7
-97.9
143.7
448.8
607.9
726.8
1,665.1
2,057.0
4,078.2 2,767.2
4,047.3 3,280.2
4,408.7 3,172.7
4,794.5 3,393.7
5,396.6 3,542.0
-739.9 -519.8
-636.1 -589.5
-1,830.4 -155.4
-1,584.3 3,206.6
-1,043.4 1,606.2
645.2 3,447.9
925.2 3,413.7
8,813.1
7,725.8
6,388.0
6,675.0
7,369.9
-562.1
-606.0
-320.7
-680.1
-535.1
804.5
2,604.0
104.8 180.4
188.5 153.0
189.9 196.7
130.8 293.4
145.9 318.8
13.9 -17.6
-23.3 0.6
10.3 89.5
10.9 47.3
-106.9 213.5
30.9 395.6
-98.4 358.3
119.1
121.6
200.1
146.0
246.3
-79.5
28.2
178.3
223.5
276.7
448.0
534.5
1,896.1
3,242.4
4,626.5
4,855.0
5,337.1
-327.6
-149.2
-39.0
-115.9
377.7
1,228.7
1,985.3
-428.1
-489.6
-527.9
-603.9
-528.7
-43.4
-66.0
-65.4
-82.0
-4.2
55.6
104.7
s.d Ags
7,400.3 195.9 1,076.6 3,641.4 402.2 5,919.7
Net Expansion Agriculture, hunting and forestry Fishery Mining and Quarrying Processing industry Electricity, Gas & Water Construction
26,223.8 Wholesale and retail trade Provision of accommodation and the 1,984.0 provision of eating and drinking Transportation, warehousing and 531.1 communication 3,061.5 Financial Intermediaries Real estate, Business Ownership, 10,119.0 and Business Services Government Administration, defense -172.3 and compulsory social security 158.7 Education services 568.0 Health services and social activities Social services, social, cultural, 1,095.8 entertainment and other individual Individual services which serve 25.0 households
17. Badan internasional dan badan ekstra internasional lainnya 18. Kegiatan yang belum jelas batasannya 19. Tidak teridentifikasi
1,631.5
1,807.4
1,927.7
1,923.9
2,270.7
-156.2
-122.8
-337.4
-794.5
-204.7
-2,345.8
-1,895.7
12,506.0 -8,057.0
10,914.8 -8,057.1
8,980.6 -8,052.9
9,710.5 -8,056.5
3,867.3 -8,054.2
-9,392.3 2.7
2,014.4 11.2
4,438.8 8.9
2,391.0 18.7
390.8 8.3
-9,175.4 8.5
-13,756.0 4.7
International agencies and othe -1,903.9 International extra institutions Business activities are not clearly -27,017.2 defined -3.7 Un-identified
Net Ekspansi Kredit UMKM
55,646.9
63,499.4
66,818.1
72,740.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1 Total Net Expansion of MSME
85,587.6
I.3.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT SEKTOR EKONOMI
NET EXPANSION OF MSM CREDIT BASED ON ECONOMIC SECTORS .I.3.B 2011
Net Ekspansi 1. Pertanian, perburuan dan sarana pertanian 2. Pertambangan 3. Perindustrian 4. Listrik, Gas dan Air 5. Perdagangan, Konstruksi 6. restoran dan hotel 7. Pengangkutan, pergudangan dan komunikasi 8. Jasa Dunia Usaha 9. Jasa Sosial 10. Lain-lain Net Ekspansi Kredit MKM
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
Net Expansion Agriculture,hunting and agricultural facilities Mining Manufacturing Industry Electricity, Gas & Water Construction Trade, restaurants and hotels Transportation, cargo storage and communication Business Services Social Services Others
3,732.2 296.3 8,348.7 274.3 3,883.0 24,103.2
3,437.9 2,437.7 -1,884.5 144.9 2,198.5 31,571.6
-4,826.0 2,816.3 11,330.4 273.4 2,635.8 8,422.2
3,405.1 1,598.5 8,557.8 132.1 3,441.2 20,297.5
4,313.8 2,493.9 9,995.7 201.8 4,403.6 25,601.9
6,001.8 1,564.2 11,318.1 222.2 5,569.7 27,020.5
6,451.3 2,021.9 14,387.0 109.7 6,047.3 30,182.6
9,506.2 1,994.6 15,024.8 361.0 4,468.9 40,640.4
-1,443.2 481.1 -2,434.0 -200.4 -2,249.7 -10,639.4
1,266.6 100.6 -2,737.0 -243.2 -1,697.6 -3,152.6
2,324.7 759.0 -1,313.2 -268.3 -1,374.8 2,940.7
2,066.5 1,648.0 3,115.1 -191.9 -342.1 10,887.8
6,471.4 1,607.4 2,416.0 -93.1 1,084.6 18,672.1
11,275.3 2,778.7 5,573.7 38.4 2,854.2 39,035.6
11,504.6 4,626.0 7,485.5 130.5 4,055.3 46,649.2
7,777.4 1,090.7 5,055.4 88.6 4,781.1 39,562.9
1,447.6 10,922.4 931.9 82,331.2
666.6 3,723.9 1,154.8 63,004.5
3,672.2 9,667.7 21,759.1 139,056.3
4,999.4 -12,157.3 58,386.9 64,904.8
5,328.6 -11,843.3 58,379.4 73,844.7
5,931.1 -10,171.9 58,674.4 85,182.2
(1,058.3) 20,718.6 59,023.5 71,937.1
-816.6 21,389.6 58,438.4 79,142.9
253.5 -5,578.5 -13,288.1 -2,343.7
114.4 -13,776.1 -2,470.1 9,101.6
453.1 -11,846.7 -739.8 20,211.6
817.5 -5,244.2 16,622.7 5,625.8
938.1 -8,814.9 -4,400.6 38,887.5
1,578.3 -4,396.1 -14,376.5 51,859.2
3,134.1 -2,862.8 -16,781.9 58,810.3
2,754.5 5,803.1 -26,246.5 80,978.0
136,270.8
106,456.1
194,807.3
153,566.1
172,720.2
191,312.3
209,820.7
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.5
96,220.7
116,750.7
121,645.4 Total Net Expansion of MSM
230,150.3
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS (Miliar / Billion Rp)
1
1
I.4.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT JENIS PENGGUNAAN
NET EXPANSION OF MSMEs CREDIT BASED ON TYPE OF USE. I.4.A 2011
Net Ekspansi
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
Net Expansion
Kredit Modal Kerja Kredit Investasi TidakTeridentifikasi
39,581.8 16,071.8 -6.6
45,939.6 17,566.3 -6.5
47,219.8 19,604.9 -6.7
50,328.7 22,418.1 -6.2
60,601.1 24,989.9 -3.3
-36,935.9 561.5 2.2
-10,203.4 1,112.2 4.4
-5,223.3 6,513.0 -0.3
6,611.2 5,202.8 16.9
18,312.9 8,692.4 0.0
37,145.5 13,386.7 -1.9
36,704.7 13,392.7 -4.1
20,346.7 Working Capital Credit 12,963.5 Investment Credit -4.1 Unidentified
Net Ekspansi Kredit UMKM
55,646.9
63,499.4
66,818.1
72,740.6
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1 Total Net Expansion of MSME
I.4.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT JENIS PENGGUNAAN
NET EXPANSION OF MSM CREDIT BASED ON TYPE OF USE. I.4.B 2011
Net Ekspansi Kredit Modal Kerja Kredit Investasi Kredit Konsumsi Net Ekspansi Kredit MKM
2008
s.d Ags
s.d Sept
s.d Okt
2012
2009
2010
44,969.8 10,047.8 81,253.2
33,194.2 9,397.0 63,864.9
76,764.9 21,167.7 96,874.7
48,555.4 21,728.6 83,282.0
57,308.5 23,121.4 92,290.3
60,416.3 25,828.3 105,067.8
s.d Nov
66,222.9 28,962.0 114,635.8
s.d Des
75,408.3 32,836.6 121,905.4
s.d Jan
-35,461.0 444.8 -2,426.2
s.d Feb
-23,527.9 1,017.3 9,017.2
s.d Mar
-15,915.4 7,136.8 19,924.9
s.d Apr
2,581.2 7,152.9 25,270.8
s.d Mei
8,189.6 10,063.9 38,514.8
30,663.4 14,115.9 51,441.3
39,995.2 18,200.9 58,554.7
136,270.8
106,456.1
194,807.3
153,566.1
172,720.2
191,312.3
209,820.7
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
I.5.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KELOMPOK BANK 2008
2009
2010
s.d Ags *
s.d Juli
s.d Ags
Net Expansion
23,778.5 Working Capital Credit 17,271.6 Investment Credit 80,595.3 Consumer Credit 121,645.4 Total Net Expansion of MSM
NET EXPANSION OF MSMEs CREDIT BASED ON GROUP OF BANKS .I.5.A 2011
Net Ekspansi
s.d Juni
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
s.d Ags
Net Expansion
Bank Persero
35,165.2
38,696.0
40,266.7
41,885.9
49,729.6
-25,386.4
-6,348.4
-3,731.2
-3,954.1
5,688.5
22,545.6
25,218.5
Bank Swasta Nasional Devisa Bank Swasta Nasional Non Devisa BPD Bank Campuran Bank Asing BPR/BPRS
14,773.9
17,809.8
18,738.1
21,320.5
27,093.7
-7,736.7
-5,964.1
-672.9
6,824.0
3,928.5
9,043.1
2,971.1
3,062.3 -222.3 -980.3 87.2 3,760.9
3,710.4 463.9 -1,211.2 -118.9 4,149.4
4,946.4 671.3 -1,626.6 203.9 3,618.2
5,699.1 1,177.0 -1,397.5 170.4 3,885.1
5,907.5 -26.2 -1,254.3 64.1 4,073.3
550.6 -1,269.3 -5.7 -2,858.2 333.6
833.8 5,211.1 -156.5 -2,914.6 251.9
1,604.0 6,357.5 -479.1 -2,931.1 1,142.3
2,701.0 7,319.0 88.8 -3,001.9 1,854.1
3,319.0 8,773.3 280.8 2,748.0 2,266.0
4,121.0 11,253.3 370.6 699.8 2,496.9
4,710.0 11,879.5 431.6 2,031.1 2,851.5
10,511.5 State Owned Banks Foreign Exchange Private National 2,935.5 Banks Non Foreign Exchange Private 5,098.4 National Banks 13,147.9 Regional Development Banks 923.1 Joint Venture Banks -2,863.4 Foreign Owned Banks 3,553.1 Conventional/Islamic Rural Banks
Net Ekspansi Kredit UMKM
55,646.9
63,499.4
66,818.1
72,740.6
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
33,306.1 Total Net Expansion of MSME
I.5.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT KELOMPOK BANK
NET EXPANSION OF MSM CREDIT BASED ON GROUP OF BANKS .I.5.B 2011
Net Ekspansi
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
s.d Des
s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
Bank Persero
53,412.7
54,981.5
58,856.5
49,454.2
53,924.8
56,310.3
60,611.4
71,632.7
-28,893.2
-3,407.1
3,414.2
9,892.7
16,706.1
29,437.7
37,515.2
Bank Swasta Nasional Devisa Bank Swasta Nasional Non Devisa BPD Bank Campuran Bank Asing BPR/BPRS
49,650.4
18,309.2
78,093.3
69,674.6
78,911.3
73,950.3
82,234.3
90,369.3
-1,004.9
4,654.8
13,723.8
24,510.1
31,174.1
45,427.6
52,249.8
2,870.5 19,881.4 2,677.4 2,656.5 5,122.0
6,328.1 20,020.1 4,328.7 -527.3 3,015.7
11,523.7 18,885.7 12,082.5 9,955.2 5,410.4
1,101.1 23,402.7 6,825.1 -770.9 3,879.3
1,802.8 25,326.8 7,965.0 81.3 4,708.2
14,096.9 27,976.8 7,810.8 6,582.5 4,584.7
15,673.8 29,852.3 8,541.7 7,764.8 5,142.4
17,210.8 28,462.9 8,550.1 8,384.3 5,540.2
735.1 -370.9 -8,977.9 602.2 467.1
1,687.9 2,026.6 -7,729.8 -11,505.1 779.3
3,189.6 5,541.2 -7,971.3 -8,557.8 1,806.6
4,593.1 9,693.9 -8,266.3 -8,325.0 2,906.4
6,314.0 13,951.0 -8,827.9 -6,350.1 3,801.0
8,263.0 18,921.4 -8,352.8 -2,246.9 4,770.9
10,277.3 22,134.8 -7,961.1 -3,398.0 5,932.7
136,270.8
106,456.1
194,807.3
153,566.1
172,720.2
191,312.3
209,820.7
230,150.3
-37,442.5
-13,493.4
11,146.3
35,004.9
56,768.3
96,220.7
116,750.7
Net Ekspansi Kredit MKM
s.d Ags
Net Expansion
41,240.0 State Owned Banks Foreign Exchange Private National 51,055.7 Banks Non Foreign Exchange Private 11,476.6 National Banks 24,761.0 Regional Development Banks -8,667.3 Joint Venture Banks -5,115.9 Foreign Owned Banks 6,895.3 Conventional/Islamic Rural Banks 121,645.4 Total Net Expansion of MSM
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS (Miliar / Billion Rp)
1
1
I.6.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT LOKASI PROYEK DI PROPINSI
NET EXPANSION OF MSMEs CREDIT BASED ON MAIN PROJECT LOCATIONS .I.6.A 2011
Net Ekspansi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
Jawa Barat Banten DKI Jakarta Raya D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi N. Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Bank Diluar Negeri Tidak Teridentifikasi
15,101.8 681.3 -27,556.1 1,717.9 14,478.0 12,130.3 790.2 1,510.2 1,897.9 5,473.5 2,204.6 3,282.0 3,269.4 1,040.5 406.0 1,598.7 2,126.3 1,744.9 168.1 1,219.6 1,328.4 3,553.4 1,644.4 795.9 612.9 1,186.5 928.6 3,112.6 549.4 567.6 1,340.9 427.2 733.4 -241.5 -4,177.6
15,139.7 635.9 -4,283.7 1,033.7 15,535.3 12,088.8 1,844.4 1,668.8 -24,963.9 5,943.0 2,152.9 3,371.9 3,883.5 2,161.4 1,471.6 833.7 2,439.9 485.6 431.1 498.0 1,041.4 3,474.4 1,777.6 1,379.1 1,194.5 1,739.3 1,315.0 3,697.8 592.4 1,053.4 1,873.6 574.2 806.8 810.0 -201.5
15,915.1 2,168.7 -27,204.8 1,854.2 14,751.0 12,488.1 1,063.3 2,039.0 1,923.2 6,606.8 2,516.9 3,724.5 4,400.5 1,170.5 804.3 1,583.3 2,105.8 2,299.7 861.3 1,440.2 1,500.0 3,961.8 1,959.9 818.0 751.6 1,268.0 1,081.5 3,429.5 635.0 575.7 1,548.8 464.0 815.5 -219.5 -4,283.7
16,499,680 2,342,562 -25,794,664 1,949,932 15,175,004 12,381,687 1,131,876 2,157,968 2,049,366 7,301,092 2,599,208 3,876,100 4,491,089 1,519,928 573,405 1,588,628 2,088,912 2,530,534 1,194,340 1,519,692 1,548,076 4,227,190 2,061,685 810,686 703,373 1,304,253 1,339,487 3,821,969 673,131 590,039 1,678,693 484,263 820,970 -212,824 -4,286,711
Net Ekspansi Kredit UMKM
430,890.5
63,499.4
66,818.1
72,740.6
s.d Des
s.d Jan
s.d Feb
Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
18,710.7 3,392.0 -23,432.3 2,026.9 16,156.4 13,076.8 1,285.5 2,589.3 1,672.6 7,799.7 2,984.1 4,372.5 1,777.1 4,508.3 866.4 2,181.0 2,144.5 2,892.1 1,398.2 1,522.7 1,849.6 4,948.9 1,847.8 862.2 939.9 1,367.0 1,630.6 4,219.6 671.2 601.1 1,694.1 566.8 952.5 -172.7 -4,315.6
-3,451.3 -1,659.3 -7,358.6 -1,071.5 -5,972.9 -6,152.0 -67.6 -258.7 -327.1 -2,218.3 -297.9 -906.5 -55.8 -186.5 -208.4 -454.6 -166.8 -533.1 -796.0 -128.1 -288.8 -761.4 -211.6 -37.6 -28.0 -72.2 -565.6 -1,216.9 -138.4 -83.5 -347.6 -9.9 -128.5 14.8 -225.7
769.2 -444.6 -3,743.9 -101.6 -253.6 -2,448.4 41.2 -81.0 -213.5 -1,031.2 -87.8 -5.7 398.1 0.8 -146.7 -276.8 -36.6 -97.5 -473.3 -28.9 -184.4 -349.1 -100.1 -1.4 39.5 55.2 68.7 -55.4 -64.6 -41.1 -211.5 38.3 -15.7 35.4 -38.9
482.0 -93.0 -1621.5 48.9 1275.7 -1386.3 115.6 101.7 -97.6 -516.5 77.1 311.5 698.4 158.4 -193.0 534.2 200.0 103.7 3.8 53.8 -84.4 49.4 139.5 28.4 94.9 106.9 299.1 246.0 70.1 -4.8 -25.7 91.6 40.1 45.9 -64.4
1,941.0 1,473.0 628.7 129.6 1,334.7 -104.9 167.1 101.8 140.9 -74.9 406.2 569.1 854.7 552.0 -24.7 727.4 216.1 180.0 184.7 259.8 -66.2 118.7 60.9 198.1 53.6 186.9 495.0 829.1 242.0 -11.6 72.7 93.8 60.2 37.6 -202.3
4,052.9 514.8 2,031.0 492.6 3,288.8 2,057.4 299.1 551.1 243.6 2,736.8 910.7 747.9 1,643.4 557.7 140.3 815.0 457.5 184.6 511.5 499.1 238.8 318.5 162.6 238.1 106.9 382.4 697.4 1,097.0 323.2 99.3 267.8 192.1 184.3 83.1 -123.2
6,720.6 1,445.5 5,921.1 678.3 5,705.0 4,705.0 441.9 949.6 863.3 3,553.3 1,421.8 1,321.9 2,111.7 987.0 253.8 949.7 960.5 612.3 1,473.9 649.9 519.5 1,243.6 926.2 307.5 411.6 769.7 984.0 1,814.2 515.0 187.9 459.1 355.4 330.6 96.7 -116.7
6,673.0 1,268.5 4,685.5 850.0 5,910.7 3,136.1 423.8 947.5 1,392.1 4,709.6 1,617.3 1,403.8 2,183.4 1,031.7 253.3 505.9 893.3 702.8 1,333.1 760.6 528.2 1,138.6 800.6 327.8 490.4 825.2 1,110.8 2,087.8 521.4 135.5 586.5 372.3 396.9 48.7 40.7
85,587.6
-36,372.2
-9,086.8
1,289.4
11,830.9
27,004.1
50,530.3
50,093.3
s.d Ags
6,084.8 1,160.5 706.4 753.1 4,664.3 1,387.7 246.8 665.8 1,210.3 2,177.7 1,431.7 1,231.7 1,949.2 966.5 118.8 -9.8 770.9 635.1 1,475.6 634.2 -27.8 254.9 74.2 98.4 93.9 389.3 947.3 2,033.9 364.4 -163.1 388.0 100.5 422.8 13.7 54.6
Net Expansion West Java Banten DKI Jakarta Raya Yogyakarta Central Java East Java Bengkulu Jambi N. Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Riau Islands Bangka Belitung Lampung South Borneo West Borneo East Borneo Central Borneo Central Sulawesi South Sulawasi North Sulawesi West Sulawesi Gorontalo Southeast Sulawesi West Nusa Tenggara Bali East Nusa Tenggara Maluku Papua North Maluku West Papua Foreign Banks Unidentified
33,306.1 Total Net Expansion of MSME
NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES(MSMEs) CREDITS (Miliar / Billion Rp)
1
1
I.6.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT LOKASI PROYEK DI PROPINSI
NET EXPANSION OF MSM CREDIT BASED ON 10 MAIN PROJECT LOCATIONS. I.6.B 2011
Net Ekspansi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34
Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi D.I. Aceh Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kep. Riau Bangka Belitung Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Sulawesi Barat Gorontalo Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Maluku Utara Papua Barat Luar Indonesia Net Ekspansi Kredit MKM
2008
2009
2010
s.d Ags
s.d Sept
s.d Okt
2012 s.d Nov
20,729.2 7,910.8 21,902.3 1,685.8 11,845.8 13,796.6 1,369.7 2,211.9 2,877.4 7,950.5 2,864.6 4,619.3 3,847.9 1,704.3 523.7 2,912.8 2,283.4 1,581.6 2,805.4 982.8 1,319.4 5,047.1 2,290.9 721.7 643.0 1,128.5 1,479.6 3,426.6 1,301.6 733.5 1,266.6 409.9 357.1 -260.5
15,727.6 1,763.3 18,710.2 1,322.7 8,654.3 12,048.2 989.2 1,435.5 3,011.0 5,367.6 2,147.6 3,188.1 4,054.0 1,126.8 533.0 1,325.7 1,685.5 1,812.1 2,358.2 1,230.2 1,195.1 4,638.0 1,570.5 23.8 983.9 851.8 1,413.4 2,924.7 1,291.5 696.0 1,272.1 418.3 556.6 129.8
18,238.3 12,684.5 110,813.9 142.2 5,348.0 10,040.8 347.3 496.1 1,380.4 3,821.2 2,295.4 3,188.6 2,940.9 1,147.6 2,162.6 1,457.0 1,976.2 110.1 3,383.3 691.1 933.7 3,198.3 721.5 -454.4 86.9 -1,923.2 477.9 3,030.0 2,856.4 387.7 206.7 130.3 -474.9 1,265.0
32,317.0 3,748.7 -50,178 2,814.6 22,169.5 25,074.8 2,482.3 4,027.3 4,411.4 11,462.7 5,703.4 6,451.3 7,341.9 2,729.9 629.0 4,584.7 3,940.8 3,494.3 5,139.5 2,280.7 3,545.7 10,062.5 2,835.2 1,606.7 2,924.4 2,833.7 3,357.7 5,632.9 2,883.0 1,367.0 2,612.9 1,007.1 1,644.7 10,626.8
36,175.2 4,818.1 -51,653 3,133.2 24,255.7 27,812.2 2,773.3 4,519.6 4,548.1 12,284.6 6,091.9 7,257.0 8,345.8 2,988.2 796.5 5,385.9 4,393.6 3,927.5 5,878.0 2,451.4 3,768.2 10,918.9 3,165.3 1,688.6 2,992.3 3,078.2 3,588.1 6,301.9 3,177.0 1,413.3 2,894.2 1,079.8 1,830.4 10,641.4
39,459.6 9,167.6 -51,890 3,368.2 25,216.0 29,576.0 2,881.8 5,010.2 4,700.8 13,435.7 6,339.0 7,900.2 8,746.8 3,193.6 1,268.8 5,600.7 4,773.3 4,307.4 6,452.5 2,708.4 4,007.8 11,715.5 3,430.5 1,745.4 3,188.7 3,297.2 3,750.3 6,772.7 3,313.5 1,489.0 3,096.5 1,151.0 1,882.1 10,255.8
43,033.0 11,078.0 -52,365 3,518.1 26,741.3 31,517.9 3,082.6 5,477.2 4,813.7 14,518.4 6,733.5 8,735.5 9,437.6 3,696.4 1,480.0 6,127.2 5,114.3 4,779.6 7,158.3 2,917.8 4,187.4 12,262.8 3,726.1 1,794.3 3,250.6 3,479.8 3,997.0 7,361.1 3,433.3 1,572.5 3,302.0 1,189.5 1,987.8 10,681.4
136,270.8
106,456.1
194,807.3
153,566.1
172,720.2
191,312.3
209,820.7
1
Sumber data: Bank Indonesia (Grup Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS. - Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit dan data BPRS. - Net Ekspansi adalah hasil pengurangan antara baki debet pada akhir bulan berjalan dengan baki debet pada akhir tahun sebelumnya (sudah memperhitungkan pelimpahan dan angsuran) - Untuk Kredit UMKM : Belum termasuk Bank Umum Syariah (BUS) , tetapi sudah BPR MKM dan BPRS menggunakan data Juli 2012. -termasuk Untuk Kredit : s.d Desember 2010 termasuk BUS dan BPR/BPRS, menggunakan nilai nominal (Nominal Value); sejak 2011 termasuk BUS dan BPR (tidak termasuk BPRS), menggunakan nilai pasar (Fair Value). Pada posisi Agustus 2012, data BPR mengunakan data Juli 2012 - Sudah termasuk net ekspansi BPR/BPRS Rencana Bisnis Bank untuk Kredit MKM 2010 (revisi) = Rp172,9 T. Rencana Bisnis Bank untuk Kredit UMKM 2011 (revisi) = Rp128,2 T. Rencana Bisnis Bank untuk Kredit UMKM 2012 = Rp150,9 T.
s.d Des
46,719.1 13,577.5 -50,123.4 3,753.3 28,052.3 33,638.6 2,768.7 5,995.2 4,497.9 15,768.4 7,241.1 9,411.2 9,345.0 4,141.8 1,760.1 6,642.1 5,347.9 5,056.2 7,709.6 3,053.5 4,783.8 13,246.2 3,366.9 1,861.7 3,697.4 3,740.4 4,277.6 8,254.3 3,454.7 1,609.7 3,238.4 1,335.9 2,112.5 10,814.7 230,150.3
s.d Jan
s.d Feb
s.d Mar
s.d Apr
s.d Mei
s.d Juni
s.d Juli
-1,967.3 -2,058.6 -9,985.9 -1,447.7 -6,968.7 -6,640.1 51.4 -10.5 -276.3 -1,410.2 -204.4 -733.9 -256.9 -54.7 8.6 54.6 -107.5 -753.2 -701.7 -73.8 -129.0 -720.1 -247.6 2.8 29.2 29.4 -1,354.9 -1,303.6 -150.8 47.9 -213.0 -2.4 -105.0 211.1
133.3 -1,102.7 -16,962.2 -88.5 -10.5 -383.0 638.0 174.1 -85.2 538.7 132.3 456.3 416.2 107.3 -111.7 412.1 89.2 245.2 -72.2 26.7 132.2 316.2 -204.9 84.0 209.2 237.1 163.7 355.6 13.6 122.5 -35.8 69.6 30.0 460.2
3,015.6 -32.3 -11,128.8 147.6 1,824.4 2,230.7 807.9 579.2 205.4 1,771.6 646.8 1,116.9 1,012.5 461.4 311.5 867.9 471.9 747.3 613.8 155.7 357.9 1,030.2 83.5 161.6 345.3 419.0 501.6 962.4 260.2 212.5 253.0 158.0 188.7 385.3
5,519.0 940.3 -3,660.3 357.1 3,164.6 5,410.6 971.3 780.7 348.8 3,126.7 1,107.3 1,826.7 1,609.0 660.2 27.3 1,288.2 720.5 1,093.8 1,094.3 328.2 575.5 1,845.3 316.8 141.1 425.1 610.2 794.2 1,528.3 475.7 263.4 547.5 191.7 282.4 293.4
9,090.2 2,421.4 -2,286.9 614.1 5,676.6 7,711.9 1,167.3 1,144.1 551.5 4,424.6 1,617.3 2,439.1 2,125.5 985.0 173.3 1,714.6 981.4 1,457.9 1,665.0 515.6 821.8 2,528.0 668.4 226.4 519.2 840.7 1,091.3 2,260.2 802.8 360.3 887.9 306.6 408.5 856.8
14,862.8 4,487.5 5,864.2 1,017.4 8,313.7 12,067.7 1,424.7 1,692.0 857.9 6,951.5 2,270.8 3,631.3 2,936.4 1,432.3 342.2 2,056.4 1,520.4 1,962.1 2,598.8 2,489.0 1,170.5 3,687.2 1,323.7 337.3 560.9 1,049.5 1,519.5 3,139.6 1,154.8 481.7 1,345.2 441.4 622.4 607.7
17,855.6 6,562.7 9,319.9 1,315.4 9,698.2 14,843.2 1,514.8 2,148.7 993.1 7,063.7 2,560.9 4,010.5 3,434.0 1,759.0 410.6 2,483.6 1,780.2 2,269.9 3,158.6 2,625.8 1,395.3 4,077.7 1,414.3 385.2 651.3 1,193.6 1,724.0 3,782.6 1,298.3 523.8 1,569.3 489.7 668.8 1,768.3
-37,442.5
-13,493.4
11,146.2
35,004.9
56,768.3
96,220.7
116,750.7
s.d Ags
20,904.0 9,400.2 152.9 1,701.9 12,143.5 15,416.1 1,591.8 2,126.6 1,095.3 7,754.6 2,741.3 3,983.4 3,696.8 2,041.7 499.3 2,628.2 2,128.3 2,561.4 3,496.7 2,730.9 2,095.2 4,623.3 1,152.9 557.8 750.4 1,446.3 1,908.1 4,443.9 1,530.7 576.7 1,895.7 510.5 777.5 583.3
Net Expansion West Java Banten DKI Jakarta Raya Yogyakarta Central Java East Java Bengkulu Jambi N. Aceh Darussalam North Sumatera West Sumatera Riau South Sumatera Riau Islands Bangka Belitung Lampung South Borneo West Borneo East Borneo Central Borneo Central Sulawesi South Sulawasi North Sulawesi West Sulawesi Gorontalo Southeast Sulawesi West Nusa Tenggara Bali East Nusa Tenggara Maluku Papua North Maluku West Papua Outside Indonesia
121,645.4 Total Net Expansion of MSM
1
Data source: Bank Indonesia (Group of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs), processed from Commercial Banks' Monthly Reports and Rural Banks/Islamic Rural Banks' Monthly Report. MSM Credit not included credit to credit card holders; while total credit and non MSM Credit included credit to credit card and Islamic Rural Banks Net expansion is the subtraction of credit outstanding in one period to the end period of previous year credit outstanding MSMEs Credit : not included Islamic Commercial Banks but included Conventional Rural Banks and Islamic Rural Banks . On August 2012, Conventional and Islamic Rural Bank is using data of July 2012. MSM Credit until Dec 2010 included Islamic Commercial Banks and Conventional Rural Banks/Islamic Rural Bank is using nominal value; Since January 2011 included Islamic Commercial Banks and Conventional Rural Banks using Fair value. OnAugust 2012, Conventional Rural Bank using data of July 2012.
Revised Business Plan of Micro, Small, and Medium Enterprises(MSMEs) Credit 2010 = IDR172,9 trillion. Revised Business Plan of Micro, Small, and Medium Enterprises(MSMEs) Credit 2011 = IDR128.2 trillion. Business Plan of Micro, Small, and Medium (MSM) Credit 2012 = IDR150.9 trillion.