Statistik Perbankan Syariah. (Islamic Banking Statistics)

Statistik Perbankan Syariah (Islamic Banking Statistics)

i

Statistik

Perbankan

Syariah

The Islamic Banking Statistics is a

(SPS)

media publication that provides information

merupakan media publikasi yang menyediakan

regarding the Islamic Banking Industry in

informasi mengenai data perbankan syariah di

Indonesia.

Indonesia. Statistik ini diterbitkan setiap bulan

kebutuhan

dan

disusun

intern

Bank

untuk

In order to get a better understanding about the data presented in this publication,

perbankan syariah beserta perkembangannya.

we suggest that the readers go through the

Guna memberikan pemahaman yang

clarification, abbreviations and glossary.

tepat terhadap data yang disajikan, kami agar

pembaca

terlebih

is

the stakeholders.

dan

kebutuhan pihak ekstern mengenai kegiatan

sarankan

publication

Bank Indonesia, to accomodate the needs of

memenuhi

Indonesia

monthly

published by the Directorate of Islamic Banking,

oleh Direktorat Perbankan Syariah - Bank Indonesia

This

We hope that this publication gives

dahulu

benefit to our readers.

memahami penjelasan, singkatan serta daftar

For questions or suggestions, kindly send email

istilah yang ada.

to: [email protected]

Kami mengharapkan agar data yang disajikan dapat memberikan manfaat yang optimal bagi pembaca. Apabila pembaca ingin menyampaikan pertanyaan atau masukan, silakan menghubungi kami melalui email:

Directorate of Islamic Banking

[email protected]

BANK INDONESIA

Direktorat Perbankan Syariah BANK INDONESIA

i i

Statistik Perbankan Syariah (Islamic Banking Statistics), October 2010

DAFTAR ISI CONTENTS Kata Pengantar ……………………………………………………………………………………………………………………………. Foreword Daftar Isi ………………………………………………………………………………………………………………………………………. Contents Penjelasan ……………………………………………………………………………………………………………………………………. Clarification Daftar Singkatan …………………………………………………………………………………………………………………………… Abbreviations Daftar Istilah …………………………………………………………………………………………………………………………………. Glossary Tab. 1 Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ...…..…………………......... Tab 2 Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)…… Tab 3 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) ............................................................................. Tab. 4 Layanan Syariah (Office Channeling) ................................................................................ Tab. 5 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... Tab. 6 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ Tab. 7 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) .................................................................................................................. Tab. 8 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) ................. Tab. 9 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement)................................................................................. Tab. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) ...................................................................................................... Tab. 11 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank)................................................ Tab. 12 Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)………...................... Tab. 13 Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet Account - Islamic Rural Bank )......................................................................................... Tab. 14 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) .............................. Tab. 15 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) ......................................................................................................... Tab. 16 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)......... Tab. 17 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) .............................. Tab. 18 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ............

ii

page i ii v vi vii 1 2 3 4 5 6 7 8 9

10 11 12 13 14 15 16 17 18


page Tab. 19 Tab. 20

Tab. 21 Tab. 22

Tab. 23 Tab. 24

Tab. 25 Tab. 26

Tab. 27 Tab. 28

Tab. 29

Tab. 30

Tab. 31

Tab. 32

Tab. 33

Tab. 34 Tab. 35 Tab. 36

Tab. 37 Tab. 38

Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) ................................................................................. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) .............................................................................................................. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) ……………………………………... Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) ............................................................................................................. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage)…………………………………………. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) …………………………………………………………………………………………………. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) ………................................ Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)………………………………………........................................................................ Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) ………………………......................... Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ……….........……………………................................ Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector)……………………………………………………………………………………………………...................... Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) ............................................................................ Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) .............................................................................................................................. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) …………………………………………….......… Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) ........................................................................................................................ Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) ....................................................... Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) ................................................................................................................................ Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) ....................................................................................... Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) ................. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)........................................................ iii

19

20 21

22 23

24 25

26 27

28

29

30

31

32

33 34 35

36 37 38


Page Tab. 39 Tab. 40 Tab. 41 Tab. 42 Tab. 43

Tab. 44

Tab. 45

Tab. 46

Tab. 47

Tab. 48 Tab. 49

Tab. 50

Tab. 51

Grafik 1 Grafik 2 Grafik 3

Grafik 4 Graph 5 Grafik 6

Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank)................................................................................................................................. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) ................................................................................... Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)… Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) ........................................................................................................................ Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province)......................................................................... Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province)............................................................................................................................ Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province).......................................................................... Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and Province)............................................................................................................................ Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province)..................................................................... Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)... Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province).................................................. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province).................................................................................................... Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District)………………………………………………….................................................................. Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) ………………..........… Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank) …….…………………………………………...................................... FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit ) ………………………………………………………………….................................. FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) ……......................... Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) ....…………………………………………….…………… Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank)..

iv

39 40 41 42

43

44

45

46

47 48 49

50

51 52 53

54 55 56 57


Graph 7 Grafik 8 Grafik 9 Grafik 10 Grafik 11 Grafik 12

Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds Islamic Commercial Bank and Islamic Business Unit)........................................................ Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank)........................................................................................................................ Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit).................... Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF – Islamic Rural Bank)................................................................................................. Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit).............. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank)...................................................................................

v

58 59 60 61 62 63


1. Data yang digunakan dalam SPS bersumber

1.

The data presented in the Islamic Banking

dari Laporan Bulanan Bank Umum Syariah

Statistics is derived from the Islamic Bank and

(LBUS)

Islamic Rural Bank Monthly Reports unless

dan

Laporan

Bulanan

Bank

Pembiayaan Rakyat Syariah (LapBul BPRS)

mentioned otherwise.

kecuali dinyatakan lain.

2.

Non Performing Financing data is shown as

2. Data Non Performing yang ditampilkan

the gross non performing financing that is

merupakan Non Performing gross yaitu tanpa

without taking into account the reserve

memperhitungkan penyisihan yang dibentuk

formed in anticipation of the risk of losses. 3.

untuk mengantisipasi risiko kerugian.

Data downloading process. Data of the Islamic Bank and Islamic Rural

3. Proses download data. Data LBUS dan LapBul BPRS yang disampaikan

Bank

bank pelapor kepada Bank Indonesia diproses

reporting banks to Bank Indonesia and is

pada server web LBUS dan LapBul BPRS.

processed on the web server. The difference

Perbedaan waktu proses data LBUS dan

in the processing time may result in variations

LapBul BPRS dapat menyebabkan perbedaan

of the data published in this Islamic Banking

antara data yang dipublikasikan dalam SPS

Statistics compared to other published data.

dengan publikasi yang lain. Oleh karena itu

Therefore, readers are recommended to take

pembaca dihimbau memperhatikan waktu

notice of the data processing time. The data

proses data. Pemrosesan data SPS bulan

processing time of the October 2010 Islamic

Oktober

Banking Statistics is on November 22, 2010.

2010 dilakukan pada tanggal 22 4.

November 2010.

Monthly Report

is submitted

The Islamic Banking Statistics can be viewed on Bank Indonesia website www.bi.go.id.

4. Publikasi buku Statistik Perbankan Syariah dapat dilihat melalui website Bank Indonesia www.bi.go.id.

vi

by


DAFTAR SINGKATAN

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

PUAS

:

ABBREVIATIONS UUS

:

Conventional Bank BUS

:

Islamic Commercial Bank

BPRS

:

Islamic Rural Bank

PT

:

Limited Liabilities Company

BPD

:

Regional Government Bank

SWBI

:

Wadiah Islamic Certificate of Bank Indonesia

SBIS

:

:

Produktif

UKM

:

Small and Medium Scale Enterprise

Pasar Uang Antar Bank berdasarkan

PPAP

:

Allowances for Earning Assets Losses

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

NPF

:

Non Performing Financing, yaitu rasio pembiayaan bermasalah

PUAS

:

Interbank Islamic 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

terhadap total pembiayan ROA

:

average assets

Return on Assets, yaitu rasio laba

ROE

sebelum pajak (disetahunkan)

:

:

average equity

Return on Equity, yaitu rasio laba

BOPO

setelah pajak (disetahunkan)

:

Rasio Biaya Operasional terhadap Pendapatan Operasional

DPK

:

Dana Pihak Ketiga

PYD

:

Pembiayaan yang Diberikan

:

The ratio of Operational Expenses to Operational Revenue

terhadap total modal rata-rata BOPO

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

terhadap total asset rata-rata ROE

Islamic Certificate of Bank Indonesia

prinsip Syariah FDR

Islamic Business Unit of a

vii

DPK

:

Depositor Funds

PYD

:

Financing

IDR

:

Indonesian Rupiah


DAFTAR ISTILAH

GLOSARY 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.

viii


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. Akad Ijarah Ijara Contract

: Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan hak pakai atas obyek sewa dengan penyewa untuk mendapatkan imbalan atas obyek sewa yang disewakan. The selling of benefit or use or service for a fixed price or wage.

: Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa Akad Qardh

imbalan dengan kewajiban pihak peminjam mengembalikan pokok

Qardh Contract

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/

Indikasi

bagi hasil/fee/bonus

penghimpunan dana bank pelapor.

Equivalent rate of

Indicative rate of return from Placement of Funds or Source of Funds of

return/profit

the reporting bank.

tingkat

imbalan

sharing/fee/bonus

ix

dari

suatu

penanaman

dana

atau


Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Bank Umum Syariah (Islamic Commercial Bank) -

Jumlah Bank (Number of Banks)

-

Jumlah Kantor (Number of Offices)

3

3

3

5

6

6

6

6

6

7

8

9

10

10

10

10

10

11

304

349

401

581

711

688

701

711

820

852

934

918

970

33

1,113

1,111

1,151

1,154

Unit Usaha Syariah (Islamic Business Unit)

-

Jumlah Bank Umum Konvensional yang memiliki UUS (Number of Conventional Banks that have Islamic Business Unit)

-


19

20

26

27

25

25

25

25

25

25

25

25

24

23

23

23

23

23

154

183

196

241

287

275

286

287

288

294

299

312

298

1,081

251

236

237

237

Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)

-

-

Jumlah Bank (Number of Banks)

92

105

114

131

138

263

257

138

140

142

143

144

144

145

146

146

146

148

-


92

105

185

202

225

223

224

225

262

265

266

271

271

221

23

277

278

278

550

637

782

1,024

1,223

1,186

1,211

1,223

1,370

1,411

1,499

1,501

1,539

1,335

1,387

1,624

1,666

1,669

Total Kantor (Total Number of Offices)

1


Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network) No

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

Kelompok Bank (Group of Banks) Bank Umum Syariah Islamic Commercial Bank PT Ba nk Sya ri a h Mua ma l a t Indones i a PT Ba nk Sya ri a h Ma ndi ri PT Ba nk Sya ri a h Mega Indones i a PT Ba nk Sya ri a h BRI PT Ba nk Sya ri a h Bukopi n PT Ba nk Pa ni n Sya ri a h PT Ba nk Vi ctori a Sya ri a h PT BCA Sya ri a h PT Ba nk Ja ba r da n Ba nten PT Ba nk Sya ri a h BNI PT Ma yba nk Indones i a Sya ri a h Unit Usaha Syariah Islamic Business Unit PT Ba nk Da na mon PT Ba nk Perma ta PT Ba nk Interna s i ona l Indones i a (BII) PT CIMB Ni a ga HSBC, Ltd. PT Ba nk DKI BPD DIY BPD Ja wa Tenga h (Ja teng) BPD Ja wa Ti mur (Ja ti m) BPD Ba nda Aceh BPD Suma tera Uta ra (Sumut) BPD Suma tera Ba ra t (Sumba r) BPD Ri a u BPD Suma tera Sel a ta n (Sums el ) BPD Ka l i ma nta n Sel a ta n (Ka l s el ) BPD Ka l i ma nta n Ba ra t (Ka l ba r) BPD Ka l i ma nta n Ti mur (Ka l ti m) BPD Sul a wes i Sel a ta n (Sul s el ) BPD Nus a Tengga ra Ba ra t (NTB) PT BTN PT Ba nk Ta bunga n Pens i una n Na s i ona l (BTPN) PT OCBC NISP PT Ba nk Si na rma s

KP/UUS

KPO/KC

KCP/UPS

KK

HO/IBU

HOO/BO

SBO/SSU

CO

11

299

639

205

1 1 1 1 1 1 1 1 1 1 1

75

49

105

99 34 34 8 4 6 5 6 27 1

168 329 42 5 2 3 13 28 -

86 5 2 7 -

23

102

67

45

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

8 10 5 21 5 2 1 2 1 2 3 2 2 3 2 1 2 3 1 20 2 3 1

3 12 5 9 1 2 3 7 1 3 21 -

1 37 1 1 2 2 1

Bank Pembiayaan Rakyat Syariah Islamic Rural Bank

148

23

-

111

TOTAL

182

424

706

361

Keterangan: -

KP = Kanto r P usat

-

UUS = Unit Usaha Syariah

-

KP O = Kanto r P usat Operasio nal

-

KC = Kanto r Cabang

-

KCP /UP S = Kanto r Cabang P embantu/ Unit P elayanan Syariah

-

KK = Kanto r Kas

-

Tidak termasuk Layanan Syariah

No te: -

IB U = Islamic B anking Unit HOO = Head Operatio nal Office -

-

B O = B ranch Office

SB O/SSU = Sub B ranch Office/Syari’ a Services Unit -

2

HO = Head Office

CO = Cash Office

No t Include Office Channeling


Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) 2009 Provinsi (Province)

2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1

Jawa Barat

26

28

28

28

27

27

27

27

27

27

27

27

27

27

27

27

27

27

2

Banten

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

8

3

DKI Jakarta

0

0

1

1

2

2

2

2

2

2

2

2

2

2

2

2

2

2

4

D.I. Yogyakarta

2

3

6

9

9

9

9

9

9

10

10

10

10

10

10

10

10

10

5

Jawa Tengah

8

11

13

15

19

19

19

19

19

19

19

19

19

20

20

20

20

21

6

Jawa Timur

12

17

19

23

25

25

25

25

25

26

26

27

27

27

27

27

27

28

7

Bengkulu

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

8

Jambi

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

9

Nanggroe Aceh Darussalam

5

5

5

6

7

7

7

7

8

8

9

9

9

9

10

10

10

10

10 Sumatera Utara

6

6

7

7

7

7

7

7

8

8

8

8

8

8

8

8

8

8

11 Sumatera Barat

3

4

4

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

12 Riau

2

2

2

4

4

4

4

4

4

4

4

4

4

4

4

4

4

4

13 Sumatera Selatan

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

14 Kepulauan Bangka Belitung

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

15 Kepulauan Riau

0

0

0

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

16 Lampung

3

3

3

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

17 Kalimantan Selatan

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

18 Kalimantan Barat

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

19 Kalimantan Timur

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

20 Kalimantan Tengah

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

21 Sulawesi Tengah

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

22 Sulawesi Selatan

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

7

23 Sulawesi Utara

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

24 Gorontalo

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

25 Sulawesi Barat

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

26 Sulawesi Tenggara

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

27 Nusa Tenggara Barat

2

3

3

3

3

3

3

3

3

3

3

3

3

3

3

3

3

3

28 Bali

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

29 Nusa Tenggara Timur

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

30 Maluku

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

31 Papua

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

32 Irian Jaya Barat

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

33 Maluku Utara

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

92

105

114

131

138

138

138

138

140

142

143

144

144

145

146

146

146

148

Total

3


Tabel 4. Layanan Syariah (Office Channeling) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1

UUS Bank Danamon

0

7

70

70

80

137

137

137

137

137

137

137

137

137

137

137

137

137

2

UUS Bank Permata

0

212

184

186

192

192

192

192

192

192

192

192

192

192

192

192

192

192

3

UUS BII

0

4

8

9

9

9

9

9

9

9

9

9

9

9

9

9

9

9

4

UUS Bank Tabungan Negara

0

27

36

64

116

107

116

116

116

116

116

116

116

116

116

116

116

116

5

UUS CIMB Niaga

0

43

63

143

505

481

505

505

507

500

500

500

522

522

522

522

522

522

6

UUS BTPN

0

0

0

8

12

12

12

12

12

12

12

12

12

12

12

12

12

12

7

UUS HSBC

0

0

7

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

8

UUS BPD DKI

0

10

21

33

34

34

34

34

34

34

34

34

34

34

34

34

34

34

9

UUS BPD Banda Aceh

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

10 UUS BPD Sumut

0

0

63

76

84

84

84

84

84

84

84

84

84

84

84

84

84

84

11 UUS BPD Riau

0

0

8

33

37

37

37

37

37

37

37

37

37

37

37

37

37

37

12 UUS BPD Sumbar

0

0

-

5

5

5

5

5

5

5

5

5

5

5

5

5

5

5

13 UUS BPD Sumsel

0

0

41

41

41

41

41

41

41

41

41

41

41

41

41

41

41

41

14 UUS BPD Jateng

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

15 UUS BPD DIY

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

16 UUS BPD Jatim

0

0

0

0

37

2

2

37

37

37

37

37

37

37

37

37

37

37

17 UUS BPD Kalsel

0

0

10

10

15

15

15

15

15

15

15

15

15

15

15

15

15

15

18 UUS BPD Kalbar

0

0

0

1

5

3

5

5

5

5

5

5

5

5

5

5

5

5

19 UUS BPD Kaltim

0

0

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

20 UUS BPD Sulsel

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

21 UUS BPD Nusa Tenggara Barat

0

0

1

10

11

11

11

11

11

11

11

11

11

11

11

11

11

11

22 UUS OCBC NISP

0

0

0

0

0

0

0

0

0

0

0

0

0

0

23 UUS Bank Sinarmas

0

0

0

0

0

0

0

0

0

0

0

0

0

0

641

24 UUS BNI

0

136

636

640

641

641

641

641

641

641

641

641

25 UUS BPD Jabar dan Banten

0

9

9

28

28

28

28

28

28

28

28

28

26 UUS BEI

0

0

0

0

27 UUS Bukopin

0

7

27

29

28 UUS IFI

0

1

1

1

29 UUS BRI

0

0

0

0

30 UUS Lippo

0

0

0

4


Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) 2005

2006

2007

2008

2009

2009

2010

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

11,919

12,439

13,349

13,594

13,829

13,828

14,708

Bank Umum Syariah (Islamic Commercial Bank)

3,523

3,913

4,311

6,609 10,348

9,587

9,880

10,348

10,304

Unit Usaha Syariah (Islamic Business Unit)

1,436

1,797

2,266

2,562

2,296

2,232

2,250

2,296

2,365

2,354

2,439

2,469

2,273

1,615

1,717

1,750

1,752

1,783

Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)

1,037

1,666

2,108

2,581

2,799

2,803

2,763

2,799

2,793

2,805

2,813

2,838

3,030

3,031

3,039

3,035

3,068

3,111

5

10,840 11,082


Miliar Rupiah (in Billion IDR ) Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet) 2009 2005

2006

2007

2008

Oct 1 Kas (Cash)

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

226

346

488

759

1,017

804

869

1,017

996

941

975

935

1,046

1,161

1,199

1,405

1,803

1,310

2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia)

3,180

3,641

4,540

5,189

10,393

7,676

7,888

10,393

11,321

9,837

8,635

8,604

7,823

8,343

9,014

7,507

9,852

11,191

3 Penempatan pada Bank Lain (Placement in Other Bank)

1,058

991

1,667

1,978

3,036

2,391

2,512

3,036

3,150

3,348

3,337

3,156

3,263

3,458

3,413

3,495

3,609

3,640

730

829

1,388

2,683

3,786

2,852

3,644

3,786

3,851

4,358

4,406

4,790

5,014

5,346

5,741

5,889

5,975

5,665

15,270

20,445

27,944

38,199

46,886

45,246

45,726

46,886

47,140

48,479

50,206

51,651

53,223

55,801

57,633

60,275

60,970

62,995

21

15

182

136

171

184

215

171

173

208

187

213

185

229

263

251

460

236

2

31

9

32

24

25

25

24

24

24

28

30

13

13

14

14

14

14

307

515

785

1,148

1,649

1,800

1,646

1,649

1,755

1,867

1,841

1,905

2,182

2,006

2,089

2,144

2,226

2,236

4 Surat Berharga yang Dimiliki (Investment in Securities) 5 Pembiayaan (Financing) 6 Tagihan Lainnya (Billing and Acceptable Liabilities) 7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 9 Penyertaan (Investment in other entities)

6

6

41

79

83

83

83

83

83

83

83

83

88

88

88

88

88

88

236

270

296

436

672

598

601

672

675

677

683

712

737

748

774

783

790

816

5,487

8,178

14,261

24,882

33,853

28,703

30,542

33,853

33,097

34,311

34,927

35,988

36,441

38,616

40,772

41,205

42,969

44,282

495

621

743

1,200

1,623

1,296

1,382

1,623

1,729

1,805

1,793

1,805

1,909

2,017

2,085

2,075

2,118

2,134

20,880

26,722

36,538

49,555

66,090

59,679

61,359

66,090

67,436

67,963

68,543

70,146

71,125

75,205

78,140

79,641

83,454

85,881

15,593

20,672

28,012

36,852

52,271

46,500

47,887

52,271

53,163

53,299

52,811

54,043

55,067

58,078

60,462

60,972

63,912

66,478

32

32

32

68

6

6

6

6

6

6

5

5

5

5

4

4

4

4

3 Kewajiban kepada Bank Lain (Liabilities to other Bank)

980

874

1,951

2,419

3,717

3,006

3,322

3,717

3,392

3,444

3,910

3,596

3,472

3,843

3,937

4,151

4,765

4,016

4 Surat Berharga yang Diterbitkan (Securities)

265

268

350

311

340

340

340

340

340

340

395

340

340

340

340

340

340

340

5 Pinjaman Diterima (Received Borrowing)

204

181

155

150

512

550

523

512

512

512

506

308

307

299

298

298

290

289

6 Kewajiban lainnya (Other Liabilities)

210

285

473

727

845

729

767

845

819

960

983

1,072

960

1,020

1,033

929

989

1,020

10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 11 Antar kantor Aktiva (Inter - Office Assets) 12 Rupa-rupa Aktiva (Other assets) TOTAL AKTIVA* PASIVA 1 Dana Pihak Ketiga (Depositor Funds) 2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia)

7 Pinjaman Subordinasi (Subordinated Loan)

-

-

-

-

50

-

-

50

50

50

50

50

50

50

50

50

50

50

8 Antar Kantor Pasiva (Inter -Office Liabilities)

7,459

10,544

17,428

30,283

37,601

32,821

34,819

37,601

37,678

38,921

39,939

40,990

41,445

43,037

44,828

46,064

47,789

48,640

185

218

260

463

582

522

520

582

618

669

713

614

592

636

686

687

758

808

10 Modal disetor (Paid-in capital)

9 Rupa-rupa Pasiva

(Other Liabilities)

951

991

1,017

1,752

1,946

1,801

1,801

1,946

2,279

2,279

2,284

2,637

3,137

4,138

4,592

4,592

5,092

5,911

11 Tambahan modal disetor ( Additional paid-in capital)

132

142

132

466

468

466

466

468

135

135

135

689

689

689

1,073

1,073

573

572

-

-

-

13

-

-

-

-

3

3

3

3

3

8

9

14

19

11

230

268

275

335

449

449

449

449

449

449

449

465

439

434

464

464

464

490

230

268

275

335

449

449

449

449

449

449

449

465

439

434

464

464

464

490

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) 13 Cadangan (Reserves) a. Cadangan Umum (General Reserves) b. Cadangan Tujuan (Special Purpose Reserves) 14 Laba (Net Income)

-

a. Tahun-tahun lalu (Previous years)

(76)

27

149

152

315

308

308

315

959

959

907

824

753

733

527

527

527

527

b. Tahun berjalan (Current year)

238

355

540

432

791

558

634

791

83

179

328

425

301

506

604

680

852

978

6


Juta Rupiah (in Million IDR) Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) 2009 2005

2006

2007

2008

Oct 1 Kas (Cash)

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

11,723

19,341

25,090

25,150

28,938

30,808

35,673

28,938

35,899

40,455

35,441

30,706

36,970

35,362

31,786

38,126

37,047

36,983

2 Penempatan pada Bank Lain (Placement in Other Bank)

102,597

185,208

232,589

334,050

407,663

337,476

338,007

407,663

415,102

380,181

369,360

364,523

356,863

354,453

377,388

323,802

392,204

427,857

3 Pembiayaan (Financing)

417,282

615,469

890,709

1,256,610

1,586,919

1,546,866

1,576,229

1,586,919

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,119

-

-

(464)

350

350

350

350

350

350

350

350

350

350

350

313

313

-

7,901

11,994

17,491

35,339

32,413

32,385

32,887

32,413

33,018

34,847

34,611

35,415

36,223

36,814

38,581

38,563

40,373

42,322

7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment)

16,965

21,328

28,273

40,499

46,595

44,908

45,501

46,595

45,827

48,226

48,708

49,530

53,054

54,421

56,800

56,402

57,116

59,436

8 Rupa-rupa Aktiva (Other assets)

25,788

52,873

48,921

62,327

73,461

74,328

76,970

73,461

75,981

80,112

81,556

81,092

83,310

80,456

81,112

83,510

83,831

81,684

585,467

896,017

1,215,916

1,693,332

2,123,581

2,014,021

2,051,436

2,123,581

2,138,797

2,179,951

2,203,483

2,260,002

2,323,688

2,373,598

2,446,928

2,428,654

2,522,083

2,618,834

4 Tagihan Lainnya (Billing and Acceptable Liabilities) 5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 6 Penyisihan Penyusutan A.P (Allowances for earning assets losses)

TOTAL AKTIVA* PASIVA 1 Dana Pihak Ketiga (Depositor Funds)

340,892

521,152

717,858

975,815

1,250,603

1,201,652

1,228,468

1,250,603

1,283,495

1,310,184

1,309,987

1,346,422

1,385,541

1,385,733

1,418,726

1,396,235

1,457,768

1,531,242

2 Kewajiban kepada Bank Lain (Liabilities to other Bank)

37,110

97,561

175,803

271,481

353,068

313,243

317,435

353,068

348,109

350,059

377,113

391,543

404,192

441,299

467,608

464,200

489,733

493,333

3 Pinjaman Diterima (Received Borrowing)

37,574

39,757

51,544

68,268

56,744

59,942

55,001

56,744

49,407

52,457

49,641

47,746

46,065

49,909

53,516

56,043

51,385

55,027

8,992

8,808

10,912

19,545

18,419

14,145

13,758

18,419

16,550

16,735

16,701

16,749

15,684

16,983

18,695

22,105

20,477

18,500

3

3

3

3

353

3

3

353

453

803

903

903

253

350

350

350

350

650

12,212

16,717

24,989

35,861

33,351

31,085

33,470

33,351

29,525

31,408

30,860

30,633

38,122

35,889

39,122

40,105

45,739

50,969

118,380

150,609

176,690

221,651

294,942

272,395

285,153

294,942

293,259

296,323

294,904

298,964

310,589

315,472

329,211

327,137

333,146

336,877

7,175

15,523

17,610

54,605

41,929

53,918

44,967

41,929

39,568

44,889

48,594

55,331

56,214

56,906

44,636

45,218

46,118

46,135

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,345

16,833

20,684

28,338

36,817

36,650

36,799

36,817

37,887

38,053

40,529

41,594

47,004

47,545

47,722

48,007

43,205

42,987

a. Cadangan Umum (General Reserves)

4,856

10,301

11,650

16,638

22,582

22,410

22,587

22,582

23,334

24,194

26,345

27,248

30,170

30,621

30,769

31,073

30,955

30,989

b. Cadangan Tujuan (Special Purpose Reserves)

4,489

6,533

9,034

11,699

14,235

14,240

14,211

14,235

14,552

13,859

14,184

14,346

16,834

16,924

16,952

16,934

12,250

11,997

(25,455)

4 Kewajiban lainnya (Other Liabilities) 5 Pinjaman Subordinasi (Subordinated Loan) 6 Rupa-rupa Pasiva (Other Liabilities) 7 Modal disetor (Paid-in capital) 8 Tambahan modal disetor ( Additional paid-in capital) 9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) 10 Cadangan (Reserves)

11 Laba (Net Income)

-

a. Tahun-tahun lalu (Previous years)

(6,610)

(5,705)

(8,639)

(14,501)

(22,111)

(21,346)

(21,736)

(22,111)

30,021

24,646

12,690

(345)

(17,300)

(20,858)

(22,900)

(23,952)

(23,414)

b. Tahun berjalan (Current year)

16,499

20,966

27,064

29,787

54,599

47,561

53,345

54,599

5,136

9,389

16,423

24,727

31,433

38,432

44,304

47,268

51,639

62,662

585,467

896,017

1,215,916

1,693,332

1,962,225

2,014,021

2,051,436

2,123,581

2,138,797

2,179,951

2,203,483

2,260,002

2,323,688

2,373,598

2,446,928

2,428,654

2,522,083

2,618,834

TOTAL PASIVA* * Net

7


Miliar Rupiah (in Billion IDR) Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement ) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

A. Pendapatan (Revenue) 1

Pendapatan Operasional (Operating Revenue)

2,177

3,085

3,795

5,093

6,620

5,366

5,957

6,620

631

1,244

1,937

2,607

3,267

3,715

4,484

5,252

6,143

2

Pendapatan Operasional Lainnya (Other operating Revenue)

194

288

406

632

1,551

1,003

1,106

1,551

234

225

330

452

526

585

660

756

844

983

3

Pendapatan non operasional (Non operating Revenue)

565

838

1,260

2,061

3,500

2,821

3,159

3,500

308

609

951

1,296

1,608

2,077

2,341

2,734

3,131

3,537

4

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/-

925

1,306

1,468

1,938

2,697

2,209

2,448

2,697

253

484

745

1,002

1,249

1,411

1,687

1,967

2,271

2,588

2,012

2,905

3,993

5,848

8,975

6,981

7,773

8,975

920

1,594

2,473

3,353

4,151

4,967

5,798

6,775

7,847

8,894

3,479

Total pendapatan (Total Revenue) B. Beban (Expenses)

6,962

0

1

Beban operasional (Operating Expenses)

939

1,324

1,774

2,603

3,135

2,506

2,807

3,135

466

662

955

1,305

1,832

1,895

2,268

2,664

3,059

2

Beban operasional lainnya (Other Operating Expenses)

202

263

317

492

1,485

959

1,027

1,485

53

124

206

282

350

417

491

584

671

750

3

Beban non operasional (Non Operating Expenses)

573

904

1,273

2,147

3,523

2,854

3,188

3,523

308

610

951

1,295

1,609

2,076

2,344

2,741

3,142

3,548

1,714

2,491

3,365

5,242

8,143

6,319

7,022

8,143

827

1,395

2,112

2,882

3,790

4,387

5,103

5,989

6,872

7,777

298

414

628

605

832

663

751

832

93

199

361

471

361

580

696

786

975

1,117

16

25

33

78

(73)

0

0

(73)

0

0

0

0

0

0

0

2

2

2

282

389

595

528

904

663

751

904

93

199

361

471

361

580

695

784

973

1,115

44

34

55

92

135

105

118

135

10

20

33

46

60

74

92

108

125

141

238

355

540

432

791

558

634

791

83

179

328

425

301

506

604

680

852

978

Total Beban (Total Expenses) C. Laba tahun berjalan (Income) D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) E. Laba tahun berjalan sebelum pajak (Net Income before Tax) F. Taksiran pajak penghasilan (Tax Expense) -/G. Laba setelah taksiran pajak penghasilan (Net Income)

8


Juta Rupiah (in Million IDR) Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement ) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

A. Pendapatan (Revenue) 1

Pendapatan Operasional (Operating Revenue)

2

Pendapatan Operasional Lainnya (Other operating Revenue)

9,629

15,945

22,927

32,883

43,074

33,482

37,955

43,074

3,735

7,919

12,696

17,140

21,757

26,361

31,006

35,644

37,972

43,920

3

Pendapatan non operasional (Non operating Revenue)

1,249

3,676

6,159

6,714

8,085

6,255

6,892

8,085

376

721

1,237

1,732

2,335

2,981

3,583

4,117

5,300

10,850

4

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/-

33,430

49,949

77,246 108,154 138,769 112,361 125,618 138,769 12,991 26,052

39,794

54,246

69,208

84,076

Total pendapatan (Total Revenue)

97,275

88,894

154,633 203,063 293,964 382,183 308,403 342,616 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965 396,026

142,364 186,295 267,795 347,193 281,176 311,553 347,193 30,165 61,981

B. Beban (Expenses)

99,240 113,894 130,010 147,580

94,854 129,179 165,762 201,396 239,196 271,987 315,293 362,956

0

1

Beban operasional (Operating Expenses)

51,838

68,801

2

Beban operasional lainnya (Other Operating Expenses)

2,518

10,217

8,455

14,767

24,593

18,278

19,752

24,593

1,864

5,312

7,992

9,987

13,591

15,996

19,432

22,243

24,588

28,620

3

Beban non operasional (Non Operating Expenses)

1,378

3,310

6,797

8,214

8,565

6,331

6,951

8,565

765

1,037

1,414

1,810

2,096

2,520

2,978

3,537

3,956

6,469

53,274

95,842 120,709 185,027 227,368 179,770 198,940 227,368 18,556 40,371

61,244

80,598 103,651 125,482 150,567 174,196 200,799 230,708

21,449

27,407

34,193

40,381

67,000

56,009

62,545

67,000

19,120

28,487

36,354

44,299

51,401

55,181

60,420

72,193

180

300

372

626

967

562

685

967

187

191

268

338

405

509

606

664

722

21,269

27,107

33,821

39,755

66,033

55,447

61,860

66,033

5,984 11,149

18,929

28,219

36,016

43,894

50,892

54,575

59,755

71,471

4,770

6,224

7,013

9,976

11,495

7,886

8,898

11,495

874

1,819

2,595

3,619

4,646

5,589

6,588

7,311

8,128

9,125

16,499

20,883

26,809

29,787

54,562

47,561

53,345

54,562

5,136

9,389

16,423

24,727

31,433

38,432

44,304

47,268

51,635

62,662

Total Beban (Total Expenses) C. Laba tahun berjalan (Income) D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) E. Laba tahun berjalan sebelum pajak (Net Income before Tax) F. Taksiran pajak penghasilan (Tax Expense) -/G. Laba setelah taksiran pajak penghasilan (Net Income)

49,378

82,315 105,458 162,045 194,209 155,161 172,237 194,209 15,926 34,023

9

6,063 11,336 78

87,964 106,966 128,157 148,417 172,254 195,619


Miliar Rupiah (in Billion IDR) Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah) (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1

Biaya promosi (Cost of promotion)

67

90

135

180

154

106

121

154

9

16

25

39

54

65

83

106

131

159

2

Biaya pendidikan dan pelatihan (Cost of education and training)

20

19

19

32

45

31

34

45

4

7

12

17

22

29

37

41

45

48

87

109

153

212

200

137

155

200

12

23

37

56

75

93

120

147

176

207

Total

10


Juta Rupiah (in Million IDR) Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

Jun

Jul

1,844

2,353

2,877

3,474

4,224

4,823

1,357

1,713

2,255

2,688

2,976

3,383

3,862

2,747

3,556

4,608

5,565

6,450

7,607

8,685

1

Biaya promosi (Cost of promotion)

826

1,300

2,284

4,178

4,826

3,664

4,184

4,826

269

629

949

1,390

2

Biaya pendidikan dan pelatihan (Cost of education and training)

686

1,649

1,889

2,727

3,622

2,523

3,026

3,622

382

675

993

1,512

2,949

4,173

6,905

8,448

6,188

7,210

8,448

651

1,304

1,942

Total

11

May

Aug

Sep

Oct


Miliar Rupiah (in Billion IDR) Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah (Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

Oct Tagihan Komitmen (Claim comintment ) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) Posisi pembelian spot yang masih berjalan (Spot purchases) Posisi pembelian forward yang masih berjalan (Forward purchases) Lainnya (others) Kewajiban Komitmen (Liabilities commitment ) Fasilitas piutang qardh yang belum ditarik (Qardh facililies that are not yet withdrawn) Fasilitas pembiayaan kepada nasabah yang belum ditarik (Financing facililies that are not yet withdrawn) Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank financing facilities) Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) Posisi penjualan spot yang masih berjalan (Spot sales) Posisi penjualan forward yang masih berjalan (Forward sales) Lainnya (others) Tagihan Komitmen (Claim Contingency) Garansi (Kafalah) yang diterima (Kafalah guarantees received) Pendapatan yang akan diterima (Income will be received) Lainnya (Others) Kewajiban Komimen (Liabilities Contingency) Garansi (Kafalah) yang diberikan (Guarantees issued) Lainnya (Others) Lainnya (Others) Aktiva produktif yang dihapusbuku (Written off earning assets) Penerusan dana mudharabah muqayyadah (Channeling of mudharabh muqayaydah)

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

2 -

1 2

17 1

91

45 -

45

46

45

3 83

175

176

164

168

2 64

52

36

37

42

1

1

2

14

5

14

12

5

8

2

6

11

9

9

11

10

7

6

246

444

613

1,612

1,502

1,704

1,600

1,502

1,818

1,909

1,996

2,262

2,014

2,126

2,189

2,499

2,641

2,656

15

12

12

15

12

12

12

29

29

27

14

42

45

32

146 123 199 6 14 13 3 2 2 82 73,979 127,914 1 320 361 968 922 979 2 1 3 1,684 1,297 1,371

146 6

169 13

244 12

243 11

230 7

96 5

123 10

87 4

175 4

175 5

85 6

3 82 1

1 61 0

3 70 1

3 81 0

3 80 0

3 96 0

3 84 0

2 81 0

2 2 80 131,012 3 6

2 97 0

968 2

1,038 2

947 1

926 1

979 1

879 1

926 1

909 0

937 0

945 0

987 4

1,684

1,363

1,359

1,353

1,427

1,461

1,476

1,698

1,649

1,652

1,643

349

347

350

351

349

351

357

362

365

369

380

7

0

4

8

33 2 0

167 4 32

66 0

141 33

0 16 14

0 33 1

151 2

223 2

390 3

838 -

116

208

336

648

194

316

362

429

10 0 53 22,588 1 78

349

12

349

349


Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off Balance Sheet Account - Islamic Rural Bank) 2009 2005

2006

2007

2008

Oct Tagihan Komitmen (Claim comintment ) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) Lainnya (others) Kewajiban Komitmen (Liabilities commitment) Fasilitas pembiayaan kepada nasabah yang belum ditarik (financing facililies that are not yet withdrawn) Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank financing facilities) Lainnya (others) Tagihan Komitmen (Claim Contingency) Garansi (Kafalah) yang diterima (Kafalah guarantees received) Pendapatan yang akan diterima (Income will be received) Lainnya (Others) Aktiva produktif yang dihapusbuku (Written off earning assets)

512 6,246 202

4,789

1,945 29,607

Nov

Dec

Jan

Mar

Apr

May

Jun

Jul

Sep

Oct

12,013

18,934

13,849

24,095

16,026

7,403

23,953

26,471

24,271

24,350

4

2 -

33

2

2

2

3,947

2

2

2

2

2

2

2

2

4,395

6,420

5,770

6,617

6,600

6,905

6,617

6,726

5,739

7,114

7,141

7,277

7,298

7,644

7,569

6,439

6,458

-

-

9

-

22

-

-

36,471

33,336

52,640

66,947

13

53,920

-

-

161

44

-

-

9

9

7,372 25,827

Aug

2,478

-

16,994 12,013

Feb

843

44 161 4,784 43,072 9,140 12,151 17,467 18,754 2,550 1,450 1,136 1,165 5,517 359 7,489 12,231 12,773 19,126 31,847 29,276

Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah) 16,883

2010

2009

-

-

-

44

44

44

-

-

-

294

9

88,959 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 550 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 29,701 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288

17,606 2,438 33,742

18,350 2,106 34,484

67,628 66,947

61,383

68,827

50,285

59,491

58,970

60,179

59,038

9,368

390 9

60,703

9

62,596

66,112

-


Miliar Rupiah (in Billion IDR) Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )

2,048

3,416

3,750

4,238

6,202

5,355

5,752

6,202

6,041

6,587

5,881

5,965

6,054

10,038

10,338

7,291

7,407

7,116

2 Tabungan iB (iB Saving Deposits)

4,367

6,430

9,454

12,471

16,475

14,759

15,079

16,475

16,362

16,341

16,688

16,863

17,428

18,351

18,449

18,521

19,461

20,137

a

Akad Wadiah (Wadia)

b

Akad Mudharabah (Mudharaba)

3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

183

332

645

958

1,538

1,340

1,568

1,538

1,553

1,598

1,886

1,986

2,322

2,547

2,418

2,504

2,658

2,878

4,184

6,098

8,809

11,513

14,937

13,418

13,511

14,937

14,809

14,742

14,802

14,877

15,106

15,804

16,031

16,018

16,803

17,259

9,169

10,826

14,807

20,143

29,595

26,386

27,056

29,595

30,760

30,371

30,243

31,215

31,584

29,689

31,675

35,159

37,044

39,225

a

1 Bulan (1 month)

3,835

5,234

9,309

14,325

19,794

16,685

17,384

19,794

20,748

20,054

20,226

21,212

21,546

19,597

21,365

24,478

26,171

27,765

b

3 Bulan (3 months)

2,228

1,973

1,406

1,919

4,544

4,083

4,252

4,544

4,942

5,124

5,073

4,803

5,081

4,832

5,140

5,153

5,473

5,409

c

6 Bulan (6 months)

1,480

1,231

1,296

1,827

1,758

1,784

1,844

1,758

1,796

1,946

1,937

1,939

1,963

2,101

2,118

2,262

2,160

2,281

d

12 Bulan (12 months)

1,625

2,143

2,787

2,066

3,497

3,832

3,574

3,497

3,272

3,246

3,007

3,260

2,987

3,154

3,052

3,265

3,240

3,766

e

> 12 Bulan (> 12 months)

1

245

9

6

1

1

1

1

1

0

0

0

6

6

1

1

1

4

15,584

20,672

28,012

36,852

52,271

46,500

47,887

52,271

53,163

53,299

52,811

54,043

55,067

58,079

60,462

60,972

63,912

66,478

Total

14


Juta Rupiah ( in Million IDR ) Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) 2009 2005

2006

2007

2008

Oct

1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia ) 2 Tabungan iB (iB Saving Deposits) a

Akad Wadiah (Wadia)

b


3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

160,906

231,440

-

2010

2009 Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

-

-

-

-

-

-

-

-

-

-

-

-

441,291

492,682

505,760

512,945

553,397

558,179

565,741

560,770

569,195

586,408

572,926

590,065

556,908

596,875

631,459

86,708 161,450

296,890

-

Nov

-

-

48,600

73,634

209,991

215,600

219,913

234,282

238,550

245,953

242,971

245,308

248,243

249,227

259,715

249,721

261,362

272,333

112,306

157,806

210,182

279,841

282,691

290,160

293,032

319,115

319,629

319,788

317,799

323,887

338,165

323,699

330,350

307,187

335,513

359,126

173,325

289,712

420,968

534,524

665,352

695,892

715,523

697,213

725,316

744,443

749,217

777,226

799,133

812,808

828,662

839,127

860,893

899,783

138,184

110,747

119,990

110,360

108,763

110,991

111,775

114,561

120,250

125,368

126,334

126,513

129,143

136,331

a

1 Bulan (1 month)

25,327

58,518

63,504

68,141

b

3 Bulan (3 months)

31,371

45,288

49,724

55,818

76,815

91,717

94,318

95,514

103,342

109,424

113,242

117,225

121,159

121,954

125,424

129,604

133,287

146,244

c

6 Bulan (6 months)

35,403

60,348

45,915

68,875

157,831

116,873

170,744

125,492

135,714

135,806

139,237

148,809

147,218

146,207

142,351

144,609

149,487

153,770

d


78,877 122,300

205,596

270,133

275,875

358,965

314,095

348,963

361,433

369,522

365,131

375,632

389,197

397,538

410,150

414,415

422,346

438,601

e


16,646

17,590

16,375

16,884

16,064

18,700

19,833

20,999

21,308

21,740

24,403

23,985

26,630

24,838

1,201,652

1,228,468

1,250,609

1,283,495

1,310,184

1,309,987

1,346,422

1,385,541

1,385,733

1,418,726

1,396,035

1,457,768

1,531,242

Total

2,347

3,258

56,229

71,557

334,231

521,152

717,858

975,815

1,158,034

15


Miliar Rupiah (in Billion IDR) Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

Oct

Giro Wadiah (Wadiah Demand Deposits) SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank Indonesia Islamic Certificate) Lainnya (Others) Total

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

464

1,282

1,840

2,363

2,694

2,290

2,611

2,694

2,889

2,933

2,883

2,965

3,003

3,088

3,294

3,330

3,392

3,461

2,395

2,357

2,599

2,545

3,076

2,835

2,142

3,076

3,373

2,972

2,425

3,027

1,656

2,734

2,576

1,882

2,310

2,783

321

2

101

280

4,623

2,552

3,135

4,623

5,059

3,932

3,327

2,612

3,164

2,521

3,144

2,295

4,150

4,948

3,180

3,641

4,540

5,189

10,393

7,676

7,888

10,393

11,321

9,837

8,635

8,604

7,823

8,343

9,014

7,507

9,852

11,191

16


Miliar Rupiah (in Billion IDR) Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

Oct

1

Surat Berharga Pasar Keuangan Syariah (Islamic Financial Market Securities)

2

Surat Berharga Pasar Modal Syariah (Islamic Capital Market Securities)

3 Lainnya (Others) Total

-

-

704

828

26

1

730

829

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

4

279

1,103

316

1,103

1,103

1,103

1,104

1,105

1,104

1,104

1,104

1,106

1,105

1,105

1,105

1,384

2,400

2,641

2,494

2,499

2,641

2,706

3,212

3,259

3,644

3,868

4,200

4,593

4,742

4,827

4,465

4

42

42

42

42

42

42

42

42

42

42

42

42

42

95

2,683

3,786

2,852

3,644

3,786

3,851

4,358

4,406

4,790

5,014

5,346

5,741

5,889

5,975

5,665

1,388

17


Miliar Rupiah (in Billion IDR ) Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) 2009 Akad (Contract)

2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct


3,124

4,062

5,578

6,205

6,597

6,440

6,506

6,597

6,556

6,592

6,716

6,933

7,231

7,593

7,856

8,207

8,292

8,411

Akad Musyarakah (Musharaka)

1,898

2,335

4,406

7,411

10,412

10,184

10,359

10,412

10,363

10,725

11,216

11,632

11,950

12,420

12,645

13,323

13,305

13,943

Akad Murabahah (Murabaha)

9,487

12,624

16,553

22,486

26,321

25,499

25,570

26,321

26,532

27,288

28,269

28,922

29,744

31,108

32,027

33,310

33,967

34,831

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Akad Istishna (Istishna)

282

337

351

369

423

421

431

423

402

411

406

404

410

392

383

389

380

391

Akad Ijarah (ijara)

316

836

516

765

1,305

1,212

1,251

1,305

1,313

1,321

1,324

1,486

1,569

1,839

2,047

2,134

2,123

2,124

Akad Qardh (Qardh)

125

250

540

959

1,829

1,490

1,609

1,829

1,974

2,141

2,275

2,274

2,319

2,449

2,675

2,912

2,902

3,295

Akad Salam (Salam)

Lainnya (Others)

0 Total

15,232

0 20,445

0 27,944

0 38,195

0 46,886

0 45,246

0 45,726

0 46,886

18

0 47,140

0 48,479

0 50,206

0 51,651

0 53,223

0 55,801

0 57,633

0 60,275

0 60,970

0 62,995


Juta Rupiah ( in Million IDR) Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) 2009 Akad (Contract)

2005

2006

2007

2008

Oct Akad Mudharabah (Mudharaba) Akad Musyarakah (Musharaka) Akad Murabahah (Murabaha) Akad Salam (Salam)

24,237

26,351

41,714

2010

2009

42,952

52,781

Nov

54,655

Dec

53,504

Jan

52,781

Feb

53,283

Mar

55,735

Apr

58,421

May

58,065

Jun

59,665

Jul

63,453

Aug

64,044

Sep

64,635

Oct

66,693

69,549

40,065

65,342

90,483

113,379

144,969

152,014

158,452

144,969

136,060

141,483

146,010

157,879

171,155

178,137

189,606

195,530

211,680

223,120

337,566

505,633

716,240

1,011,743

1,269,900

1,213,241

1,237,253

1,269,900

1,277,588

1,331,195

1,359,346

1,406,532

1,448,029

1,487,086

1,519,599

1,540,553

1,549,744

1,595,058

90

30

0

38

105

0

105

105

0

4

4

169

167

160

117

0

0

0


1,844

1,361

13,467

24,683

32,766

35,707

34,882

32,766

32,436

33,130

33,468

34,017

33,593

33,376

33,596

33,404

32,113

30,689

Akad Ijarah (ijara)

6,816

6,783

3,661

5,518

7,803

7,961

7,970

7,803

8,219

8,524

9,964

9,613

9,935

9,725

11,715

13,282

13,395

13,600

Akad Qardh (Qardh)

6,666

9,969

19,038

40,308

50,018

56,576

55,253

50,018

49,908

53,900

53,532

57,328

59,429

62,401

64,041

62,751

60,390

63,357

0

0

6,106

17,988

28,578

26,712

28,809

28,578

29,085

29,904

29,826

33,652

35,389

39,232

43,024

44,024

45,897

46,668

Multijasa (Multi Purpose Financing) Total

417,282

615,469

890,709

1,256,610

1,586,919

1,546,866

1,576,229

1,586,919

19

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042


Miliar Rupiah (in Billion IDR ) Tabel 20. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) 2009

SEKTOR EKONOMI

2005

2006

2007

2008

Oct

Pertani a n, kehutana n da n s a ra na pertani a n

2010

2009

ECONOMIC SECTOR

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

687

701

837

1,177

1,331

1,286

1,330

1,331

1,386

1,325

1,563

1,555

1,661

1,678

1,671

1,675

1,671

1,707

395

375

511

965

1,047

1,013

1,009

1,047

1,002

958

1,116

1,072

1,081

1,098

1,073

1,090

1,096

1,051

933

940

1,371

1,340

1,579

1,469

1,495

1,579

1,612

1,551

1,768

1,976

2,072

2,107

2,172

2,168

2,126

2,158

66

17

166

248

698

653

670

698

699

835

848

803

857

910

927

1,040

1,134

1,234

1,548

1,637

2,371

3,368

3,516

3,673

3,648

3,516

3,515

3,504

3,831

3,976

3,930

4,083

3,996

4,319

4,015

4,322

1,716

3,041

4,152

4,426

5,000

5,545

5,719

5,000

5,732

5,577

6,114

6,186

6,397

6,787

6,855

7,062

7,136

7,404

1,261

1,165

1,569

2,759

3,349

3,146

3,168

3,349

3,208

3,067

3,499

3,552

3,565

3,575

3,554

3,519

3,435

3,433

4,504

5,458

8,425

11,757

13,664

13,465

13,369

13,664

13,775

15,126

14,294

14,712

15,355

16,103

16,872

18,016

18,517

18,848

1,208

1,456

1,904

2,463

2,661

2,617

2,704

2,661

2,537

2,455

2,596

2,622

2,687

2,755

2,736

2,613

2,694

2,862

2,913

5,655

6,639

9,693

14,042

12,378

12,616

14,042

13,673

14,080

14,577

15,196

15,618

16,705

17,776

18,771

19,146

19,975

15,232

20,445

27,944

38,195

46,886

45,246

45,726

46,886

47,140

48,479

50,206

51,651

53,223

55,801

57,633

60,275

60,970

62,995

Agriculture, forestry and agricultural facilities Pertamba nga n Mining Peri ndus tri a n Manufacturing Li s tri k, ga s da n a i r Water, gas and electricity Kons truks i Construction Perda ga nga n, res tora n da n hotel Trade, restaurants and hotels Penga ngkutan, perguda nga n da n komuni ka s i Transport, cargo storage and communication Ja s a duni a us a ha Business Services Ja s a s os i a l /ma s ya ra ka t Social Services La i n-l a i n Others Total

20


Juta Rupiah (in Million IDR ) Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) 2009

SEKTOR EKONOMI

2008


2010

2005

2006

2007

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

11,874

17,720

24,436

41,613

54,486

52,184

53,911

54,486

56,859

62,417

64,779

67,917

71,842

73,597

108,627

113,075

101,229

104,265

138

485

944

1,287

998

1,406

1,275

998

894

833

884

804

773

796

1,036

759

802

795

9,207

12,465

12,447

15,885

20,420

19,973

20,278

20,420

20,643

21,511

27,513

24,279

24,254

23,464

25,758

24,505

24,332

23,251

109

748

367

1,146

1,055

1,183

1,554

1,055

814

1,052

1,066

1,057

1,097

1,160

1,212

1,231

2,104

2,436

3,495

6,570

16,051

26,536

48,178

54,920

53,340

48,178

45,235

45,308

49,353

50,643

52,367

54,901

55,851

61,394

64,215

70,105

190,583

255,559

295,195

370,907

486,018

487,187

477,980

486,018

498,081

518,063

527,068

543,438

558,917

572,145

599,829

614,325

594,010

619,154

3,618

8,704

9,075

17,697

17,289

18,597

18,530

17,289

18,387

19,344

18,562

18,809

19,999

19,866

20,785

19,929

21,827

21,784

49,031

72,194

99,050

140,989

176,760

181,506

183,851

176,760

174,229

184,240

191,193

196,143

204,064

213,361

265,577

269,595

269,401

283,161

5,155

5,632

6,402

22,609

16,451

14,641

16,805

16,451

15,887

17,553

18,877

19,660

21,829

22,701

23,666

23,887

26,091

23,503

144,072

235,392

422,148

617,942

765,264

715,268

748,706

765,264

755,550

783,555

791,275

834,504

862,217

891,578

823,401

825,481

875,899

893,587

417,282

615,469

886,117

1,256,610

1,586,919

1,546,866

1,576,229

1,586,919

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042

ECONOMIC SECTOR

Jul

Aug

Sep

Oct


21


Miliar Rupiah (in Billion IDR) Tabel 22 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage) 2009

JENIS PENGGUNAAN

2005

2006

2007

10,405

15,656

2008

TYPE OF USAGE

Modal Kerja

Nilai (Amount)

Oct 7,988

20,554

2010

2009

22,873

23,195

Nov 23,358

Dec

Jan

Feb

22,873

23,548

24,046

Mar 24,798

Apr 25,524

May 26,453

Jun

Jul

Aug

Sep

Oct

27,848

28,315

29,445

29,688

30,439

Working Capital Pangsa (Share)

52.4%

50.9%

56.0%

53.8%

48.8%

51.3%

51.1%

48.8%

50.0%

49.6%

49.4%

49.4%

49.7%

49.9%

49.1%

48.9%

48.7%

48.3%

Nilai (Amount)

4,288

4,374

5,637

7,907

9,955

9,641

9,721

9,955

9,901

10,337

10,814

10,913

11,136

11,233

11,526

12,043

12,120

12,571

Investasi

Investment Pangsa (Share)

28.1%

21.4%

20.2%

20.7%

21.2%

21.3%

21.3%

21.2%

21.0%

21.3%

21.5%

21.1%

20.9%

20.1%

20.0%

20.0%

19.9%

20.0%

Nilai (Amount)

2,956

5,666

6,652

9,734

14,058

12,410

12,647

14,058

13,691

14,097

14,595

15,213

15,634

16,721

17,792

18,787

19,162

19,984

Consumption Pangsa (Share)

19.4%

27.7%

23.8%

25.5%

30.0%

27.4%

27.7%

30.0%

29.0%

29.1%

29.1%

29.5%

29.4%

30.0%

30.9%

31.2%

31.4%

31.7%

15,232

20,445

27,944

38,195

46,886

45,246

45,726

46,886

47,140

48,479

50,206

51,651

53,223

55,801

57,633

60,275

60,970

62,995

Konsumsi

Total

22


Juta Rupiah (in Million IDR) Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage) 2009

JENIS PENGGUNAAN

2005

2006

2007

2008

Modal Kerja

2010

2009

TYPE OF USAGE

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct 1,066,454

Nilai (Amount)

236,794

357,743

497,472

664,644

767,538

781,539

778,595

767,538

764,030

792,005

816,222

847,657

881,584

907,707

1,016,629

1,032,901

1,068,388


56.75%

58.13%

55.89%

52.89%

48.37%

50.52%

49.40%

48.37%

48.16%

47.89%

48.28%

48.24%

48.51%

48.45%

52.79%

52.86%

53.96%

52.22%

Nilai (Amount)

48,023

78,597

125,320

132,729

186,482

182,106

186,018

186,482

174,201

182,331

186,125

192,567

195,283

197,598

187,827

194,087

202,614

208,574

Investasi


11.51%

12.77%

14.08%

10.56%

11.75%

11.77%

11.80%

11.75%

10.98%

11.02%

11.01%

10.96%

10.75%

10.55%

9.75%

9.93%

10.23%

10.21%

Nilai (Amount)

132,466

179,129

267,278

459,237

632,899

583,221

611,616

632,899

648,349

679,539

688,225

717,032

740,494

768,266

721,287

727,192

708,909

767,013

Konsumsi

Consumption Pangsa (Share) Total

31.74%

29.10%

30.03%

36.55%

417,282

615,469

890,070

1,256,610

39.88% 1,586,919

37.70%

38.80%

39.88%

40.86%

41.09%

40.71%

40.80%

40.75%

41.01%

37.45%

37.21%

35.81%

37.56%

1,546,866

1,576,229

1,586,919

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042

23


Miliar Rupiah (in Billion IDR) Tabel 24. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) 2009

GOLONGAN PEMBIAYAAN

2005

2006

2007

2008

TYPE OF FINANCING


2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

10,196

14,872

19,566

27,063

35,799

33,493

34,495

35,799

36,093

37,631

39,127

40,609

41,697

43,989

45,479

45,227

45,902

49,589

5,036

5,573

8,379

11,132

11,087

11,753

11,231

11,087

11,047

10,848

11,079

11,042

11,526

11,812

12,154

15,048

15,068

13,406

15,232

20,445

27,944

38,195

46,886

45,246

45,726

46,886

47,140

48,479

50,206

51,651

53,223

55,801

57,633

60,275

60,970

62,995

Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises Total

24


Juta Rupiah (in Million IDR) Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) 2009

GOLONGAN PEMBIAYAAN

2005

2006

2007

2008

TYPE OF FINANCING


2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1,109,465

1,141,531

273,212

380,079

575,028

657,359

833,076

838,259

830,528

833,076

806,344

801,715

877,024

917,281

949,740

969,593

993,723 1,013,746

144,072

235,392

315,044

599,291

753,843

708,606

745,701

753,843

780,235

852,160

813,547

839,974

867,621

903,977

932,020

940,433

870,447

900,511

417,284

615,471

890,072

1,256,650

1,586,919

1,546,866

1,576,229

1,586,919

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042

Small and Medium Enterprises Selain Usaha Kecil dan Menengah *) Non Small and Medium Enterprises Total

*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )

25


Miliar Rupiah (in Billion IDR) Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility) 2009

KOLEKTIBILITAS PEMBIAYAAN

2005

2006

2007

2008

2009

COLLECTIBILITY OF FINANCING

Jun

Jul

Aug

Sep

Oct

19,474

26,813

36,686

45,004

42,753

43,192

45,004

45,086

46,177

47,932

49,342

50,683

53,631

55,244

57,805

58,563

60,509

La nca r (Current)

14,027

18,583

25,494

35,076

41,931

39,656

39,977

41,931

41,329

42,058

44,065

45,505

46,725

49,310

50,812

52,845

54,240

56,237

Da l a m Perha tia n Khus us (Special Mention)

776

891

1,319

1,610

3,074

3,097

3,216

3,074

3,757

4,120

3,867

3,837

3,958

4,321

4,433

4,960

4,324

4,271

429

971

1,131

1,509

1,882

2,492

2,534

1,882

2,053

1,054

2,275

2,309

2,540

2,170

2,388

2,470

2,406

2,486

Kura ng La nca r (Sub-Standard)

201

353

321

525

435

1,036

898

435

621

822

1,067

1,028

1,007

769

947

865

833

1,098

Di ra guka n (Doubtful)

73

236

267

224

582

276

746

582

397

232

165

259

312

305

244

380

352

328

1,043

1,022

1,221

1,097

1,197

1,226

1,221

1,060

47,231

50,206

51,651

53,223

55,801

57,633

60,275

60,970

62,995

Non Lancar (Non Performin Financing)

Ma cet (Lost) Total Pembiayaan (Total Financing) Percentage of NPFs

Nov

2010

14,803

Lancar (Performing Financing)

Oct

Dec

Jan

Feb

155

383

543

759

865

1,180

889

865

1,036

15,232

20,445

27,944

38,195

46,886

45,246

45,726

46,886

47,140

2.82%

4.75%

4.05%

3.95%

4.01%

5.51%

5.54%

4.01%

26

4.36%

Mar

`

2.23%

Apr

4.53%

May

4.47%

4.77%

3.89%

4.14%

4.10%

3.95%

3.95%


Juta Rupiah (in Million IDR) Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) 2009

KOLEKTIBILITAS PEMBIAYAAN

2005

2006

2007

2008

2009

COLLECTIBILITY OF FINANCING

2010 Jun

Jul

Aug

Sep

Oct

371,781

564,373

820,058

1,151,287

1,475,306

1,427,061

1,444,450

1,475,306

1,469,834

1,530,111

1,565,973

1,630,827

1,687,803

1,743,872

1,787,842

1,813,861

1,832,770

1,889,321

45,501

51,096

72,349

105,322

111,612

119,804

131,779

111,612

116,745

123,764

124,599

126,428

129,557

129,698

137,901

140,318

147,142

152,721

Kura ng La nca r (Sub-Standard)

12,290

16,267

22,674

35,322

31,049

37,708

42,704

31,049

38,235

43,618

44,420

39,056

39,827

39,847

44,814

42,699

43,875

46,524

Di ra guka n (Doubtful)

23,338

19,760

17,090

21,307

30,687

32,554

34,002

30,687

22,475

22,481

24,758

30,631

32,815

29,687

31,905

33,392

34,142

33,630

Lancar (Performing Financing) Non Lancar (Non Performin Financing)

Ma cet (Lost) Total Pembiayaan (Total Financing) Percentage of NPFs

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

9,873

15,069

32,586

48,693

49,877

49,543

55,073

49,877

56,036

57,665

55,421

56,741

56,915

60,164

61,182

64,227

69,125

72,567

417,282

615,469

892,407

1,256,610

1,586,919

1,546,866

1,576,229

1,586,919

1,586,580

1,653,875

1,690,571

1,757,256

1,817,361

1,873,570

1,925,743

1,954,179

1,979,912

2,042,042

10.90%

8.30%

8.11%

8.38%

7.03%

7.74%

8.36%

7.03%

27

7.36%

7.48%

7.37%

7.19%

7.13%

6.92%

7.16%

7.18%

7.43%

7.48%


Miliar Rupiah (in Billion IDR) Tabel 28. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) SEKTOR EKONOMI

2005

ECONOMIC SECTOR Pertani a n, kehutana n da n s a ra na pertani a n

2006

2007

2008

2009

2009

Oct

2010

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

34

40

21

10

64

37

35

64

72

30

43

49

57

61

63

70

70

78

14

25

80

213

20

86

54

20

20

20

26

25

36

36

60

24

23

30

82

219

229

289

184

208

179

184

190

179

182

183

186

185

187

188

190

181

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

23

57

89

140

180

215

282

180

239

276

219

252

307

257

334

336

259

272

78

205

254

278

436

465

473

436

472

456

468

481

516

317

372

358

360

406

42

88

119

91

177

180

233

177

182

177

245

303

254

182

176

224

385

348

68

187

141

297

311

552

618

311

338

602

543

535

662

649

616

656

586

622

22

40

41

44

59

142

132

59

65

62

65

74

82

73

153

165

83

77

65

110

157

148

450

608

528

450

475

498

482

406

439

409

425

447

449

471

429

971

1,131

1,509

1,882

2,492

2,534

1,882

2,053

2,302

2,275

2,309

2,540

2,170

2,388

2,470

2,406

2,486


28


Juta Rupiah (in Million IDR) Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector) SEKTOR EKONOMI

2005

ECONOMIC SECTOR

1,259


2006

2007

2008

2009

2009 Oct

Nov

2010 Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1,472

1,783

3,839

3,741

4,715

4,954

3,741

4,344

5,150

5,023

5,060

5,433

5,586

6,492

5,880

5,994

6,116

10

270

1

309

559

506

309

308

248

247

164

177

161

161

151

152

151

1,377

1,652

2,317

3,090

3,619

3,846

3,090

3,190

2,641

3,384

3,320

3,623

3,722

3,577

3,425

3,796

3,719

43

1

214

75

72

184

75

76

52

54

64

40

40

44

47

66

273

55

158

908

4,526

4,484

4,575

4,810

4,484

4,763

4,810

5,086

5,998

6,261

6,163

6,785

7,024

7,040

7,036

26,405

30,305

38,045

39,224

45,737

51,146

53,018

45,737

48,344

52,491

51,173

49,777

50,238

50,837

55,811

57,436

58,757

62,009

198

491

705

1,538

1,705

1,722

1,829

1,705

1,949

1,952

2,175

1,695

1,714

1,600

1,738

1,740

2,172

2,540

6,269

6,802

8,593

16,421

10,416

12,362

15,715

10,416

12,647

13,544

13,901

14,333

14,506

15,255

14,243

15,251

17,658

17,456

551

449

254

676

516

709

1,316

516

620

1,812

1,583

1,011

1,694

1,486

2,102

1,488

2,460

2,371

8,850

9,988

20,139

36,568

41,539

40,326

45,601

41,539

40,505

41,065

41,971

45,006

45,873

44,848

46,948

47,876

49,049

51,049

45,501

51,096

72,349

105,322

111,612

119,804

131,779

111,612

116,745

123,764

124,599

126,428

129,557

129,698

137,901

140,318

147,142

152,721

Agriculture, forestry and agricultural facilities

-

Pertamba nga n Mining

1,913

Peri ndus tri a n Manufacturing

-

Li s tri k, ga s da n a i r Water, gas and electricity Kons truks i Construction Perda ga nga n, res tora n da n hotel Trade, restaurants and hotels Penga ngkutan, perguda nga n da n komuni ka s i Transport, cargo storage and communication Ja s a duni a us a ha Business Services Ja s a s os i a l /ma s ya ra ka t Social Services La i n-l a i n Others Total

29


Miliar Rupiah (in Billion IDR) Tabel 30. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) 2009

JENIS PENGGUNAAN

2005

2006

2007

2008

2010

2009

TYPE OF USAGE

Jan

Feb

Jun

Jul

Aug

Sep

Oct

Nilai (Amount)

216

604

647

871

899

1,244

1,371

899

1,007

1,223

1,161

1,200

1,392

1,149

1,262

1,256

1,175

1,244


50.2%

62.2%

57.2%

57.7%

47.74%

49.9%

54.1%

47.7%

49.0%

53.1%

51.0%

52.0%

54.8%

52.9%

52.8%

50.9%

48.8%

50.0%

Nilai (Amount)

148

258

326

489

534

640

634

534

572

581

631

703

709

612

701

767

783

772


34.6%

26.5%

28.8%

32.4%

28.35%

25.7%

25.0%

28.4%

27.9%

25.2%

27.7%

30.4%

27.9%

28.2%

29.4%

31.0%

32.5%

31.0%

Nilai (Amount)

65

110

158

148

450

608

529

450

475

498

482

406

439

410

425

447

449

471


15.2%

11.3%

14.0%

9.8%

23.90%

24.4%

20.9%

23.9%

23.1%

21.6%

21.2%

17.6%

17.3%

18.9%

17.8%

18.1%

18.7%

18.9%

429

971

1,131

1,509

1,882

2,492

2,534

1,882

2,053

2,302

2,275

2,309

2,540

2,170

2,388

2,470

2,406

2,486

Modal Kerja

Investasi

Konsumsi

Total

Oct

Nov

30

Dec

Mar

Apr

May


Juta Rupiah (in Million IDR) Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) 2009

JENIS PENGGUNAAN

2007

2008

2010

2005

2006

2009 Nov

Dec

Feb

Mar

Apr

May

Aug

Sep

Nilai (Amount)

34,239

38,716

53,267

75,154

68,821

76,643

83,786

68,821

72,600

76,741

77,282

76,459

79,513

80,041

85,596

85,538

92,904

95,608


75.2%

75.8%

73.6%

71.4%

61.7%

64.0%

63.6%

61.7%

62.2%

62.0%

62.0%

60.5%

61.4%

61.7%

62.1%

61.0%

63.1%

62.6%

Nilai (Amount)

4,454

5,445

6,114

8,890

10,723

11,676

12,877

10,723

9,402

11,711

11,198

12,482

11,676

12,174

12,360

12,525

13,481

13,879


9.8%

10.7%

8.5%

8.4%

9.6%

9.7%

9.8%

9.6%

8.1%

9.5%

9.0%

9.9%

9.0%

9.4%

9.0%

8.9%

9.2%

9.1%

Nilai (Amount)

6,808

6,936

12,968

21,278

32,068

31,485

35,115

32,068

34,744

35,313

36,119

37,488

38,368

37,483

39,945

42,256

40,756

43,234


15.0%

13.6%

17.9%

20.2%

28.7%

26.3%

26.6%

28.7%

29.8%

28.5%

29.0%

29.7%

29.6%

28.9%

29.0%

30.1%

27.7%

28.3%

45,501

51,096

72,349

105,322

111,612

119,804

131,779

111,612

116,745

123,764

124,599

126,428

129,557

129,698

137,901

140,318

147,142

152,721

TYPE OF USAGE

Modal Kerja

Investasi

Konsumsi

Total

Oct

31

Jan

Jun

Jul

Oct


Miliar Rupiah (in Billion IDR) Tabel 32. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) 2009

GOLONGAN PEMBIAYAAN

2005

2006

2007

2008

TYPE OF FINANCING


2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

330

725

798

985

1,611

1,633

1,644

1,611

1,741

1,864

1,619

1,879

2,061

1,720

1,991

2,096

2,040

2,098

99

246

333

524

271

860

890

271

312

438

430

430

479

450

398

374

366

388

429

971

1,131

1,509

1,882

2,492

2,534

1,882

2,053

2,302

2,049

2,309

2,540

2,170

2,388

2,470

2,406

2,486

Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises Total

32


Juta Rupiah ( in Million IDR) Tabel 33. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) 2009

GOLONGAN PEMBIAYAAN

2005

2006

2007

2008

TYPE OF FINANCING


2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

45,501

41,108

50,322

69,501

70,160

77,963

84,391

70,160

71,330

80,842

79,687

81,973

84,181

85,620

89,191

91,272

97,629

101,201

-

9,988

22,028

35,821

41,453

41,841

47,388

41,453

45,415

42,923

44,912

44,456

45,376

44,078

48,710

49,046

49,513

51,521

45,501

51,096

72,349

105,322

111,612

119,804

131,779

111,612

116,745

123,764

124,599

126,428

129,557

129,698

137,901

140,318

147,142

152,721

Small and Medium Enterprises Selain Usaha Kecil dan Menengah *) Non Small and Medium Enterprises Total

*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )

33


satuan (in unit) Tabel 34 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) Jenis Dana Pihak Ketiga (Depositor Funds ) Giro iB (Demand Deposits) Tabungan iB (Saving Deposits) Deposito iB (Time Deposits)

1,255,889

2006 1,992,452

2007

2008

2,845,829

3,766,067

2009

2009 4,537,565

2010

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

4,353,109

4,400,670

4,537,565

4,483,636

4,625,738

4,786,190

4,821,406

4,892,028

5,064,242

5,070,648

5,264,503

5,762,528

5,605,872

26,100

34,499

42,741

51,123

71,635

62,745

70,734

71,635

71,818

74,350

75,817

66,576

68,179

108,398

69,407

71,674

71,547

72,471

1,168,786

1,883,875

2,711,374

3,600,205

4,315,582

4,149,917

4,183,185

4,315,582

4,258,203

4,397,190

4,552,475

4,596,472

4,663,639

4,791,828

4,838,047

5,022,684

5,494,294

5,344,543

61,003

74,078

91,714

114,739

150,348

140,447

146,751

150,348

153,615

154,198

157,898

158,358

160,210

164,016

163,194

170,145

196,687

188,858

144,699

372,109

512,230

597,208

686,535

660,790

674,298

686,535

700,792

721,334

734,232

744,949

749,059

756,688

771,882

781,859

787,507

798,417


15,857

14,967

23,411

30,071

32,609

31,925

32,438

32,609

32,761

33,090

34,300

33,932

34,706

34,968

35,385

36,404

38,124

38,921


2,396

3,026

6,013

10,949

16,066

15,088

15,557

16,066

16,100

16,523

17,717

18,620

19,055

19,839

20,425

21,205

21,551

22,129

119,832

340,824

454,952

498,469

531,952

524,226

528,344

531,952

535,808

545,127

548,038

553,848

555,375

559,204

560,914

563,357

564,627

570,338

Pembiayaan (Financing )

Akad Murabahah (Murabaha) Akad Salam (Salam)

-

-

-

-


408

387

392

695

Akad Ijarah (ijara) Akad Qardh (Qardh) Total

2005

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,346

1,298

1,324

1,346

1,336

1,365

1,366

1,368

1,370

1,335

1,278

1,287

1,292

1,306

129

443

1,007

1,912

4,192

2,854

3,061

4,192

4,468

4,747

4,912

5,673

5,925

6,303

6,411

6,713

6,475

6,848

6,077

12,462

26,455

55,112

100,370

85,399

93,574

100,370

110,319

120,482

127,899

131,508

132,628

135,039

147,469

152,893

155,438

158,875

1,400,588

2,364,561

3,358,059

4,363,275

5,224,100

5,013,899

5,074,968

5,224,100

5,184,428

5,347,072

5,520,422

5,566,355

5,641,087

5,820,930

5,842,530

6,046,362

6,550,035

6,404,289

34


satuan (in unit) Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) Jenis Dana Pihak Ketiga (Depositor Funds)

2005

Deposito iB (Time Deposits) Pembiayaan (Financing)

2008

2009

2009

2010 Jun

Jul

Aug

Sep

287,203

339,914

437,464

517,944

471,091

484,387

517,944

485,927

498,060

500,327

507,948

523,479

516,919

519,898

516,855

534,996

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

214,866

279,046

329,272

423,550

500,414

454,259

467,290

500,414

467,928

479,827

482,184

489,352

504,600

498,325

501,049

498,294

515,702

532,674

6,204

8,157

10,642

13,914

17,530

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

16,832

17,097

17,530

17,999

18,233

18,143

18,596

18,879

18,594

18,849

18,561

Oct

19,294

552,415

19,741

47,627

70,415

110,415

115,050

131,258

133,189

134,325

131,258

131,811

134,900

134,610

138,302

140,387

142,827

144,957

144,946

145,190

147,897


2,079

2,312

2,777

2,446

2,595

2,643

2,467

2,595

2,467

2,302

2,188

2,029

1,933

1,890

1,895

1,865

1,872

1,903


2,959

3,915

4,633

4,442

4,990

5,115

5,136

4,990

5,134

5,378

5,563

5,740

6,047

6,194

6,305

6,372

6,370

6,156


38,928

58,895

91,121

92,843

105,030

103,999

105,053

105,030

105,429

107,798

107,202

109,624

111,944

113,146

114,374

114,684

115,612

118,154

Akad Salam (Salam) Akad Istishna (Istishna) Akad Qardh (Qardh)

Total

2007

221,070

Giro iB (Demand Deposits) Tabungan iB (Saving Deposits)

2006

10

1

5

5

1

1

1

1

1

3

3

3

3

-

-

-

314

310

403

438

768

714

-

746

768

765

-

773

795

805

809

816

820

821

818

809

2,547

3,991

8,816

11,795

13,712

16,771

16,949

13,712

13,775

14,253

14,482

15,327

14,625

15,461

15,845

15,327

14,426

14,573

Akad Ijarah (ijara)

790

991

727

577

903

913

891

903

931

954

981

1,025

1,023

1,019

1,047

1,078

1,060

1,088

Multijasa (Multi Purpose Financing)

-

-

1,933

2,504

3,259

3,034

3,082

3,259

3,310

3,441

3,398

3,749

4,003

4,298

4,668

4,799

5,032

5,214

450,329

552,514

649,202

604,280

618,712

649,202

617,738

632,960

634,937

646,250

663,866

659,746

664,855

661,801

680,186

700,312

268,697

357,618

35


Tabel 36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Dana Pihak Ketiga (Depositor Funds) 1

Giro iB (Demand Deposits)

1.16%

1.27%

1.07%

1.18%

0.96%

1.02%

0.89%

0.96%

0.92%

0.90%

0.98%

0.92%

0.99%

1.20%

0.97%

0.94%

0.96%

1.37%

2

Tabungan iB (Saving Deposits)

3.96%

3.72%

3.32%

3.61%

2.76%

2.93%

2.73%

2.76%

2.50%

2.43%

2.85%

2.54%

2.68%

2.64%

2.65%

2.51%

2.94%

3.01%

3

Deposito iB (Time Deposits) a

1 Bulan (1 month)

7.86%

8.96%

7.63%

8.22%

6.92%

7.01%

6.75%

6.92%

5.31%

6.54%

6.77%

6.60%

6.37%

6.63%

6.91%

6.69%

6.59%

6.66%

b

3 Bulan (3 months)

8.03%

9.81%

7.93%

9.10%

7.25%

7.51%

7.19%

7.25%

6.07%

6.86%

7.09%

6.88%

6.81%

6.67%

6.85%

7.03%

6.86%

7.14%

c

6 Bulan (6 months)

8.82%

9.57%

8.25%

8.67%

8.44%

7.16%

6.89%

8.44%

6.15%

6.64%

7.72%

7.66%

6.76%

7.31%

7.04%

7.31%

6.96%

7.13%

d


9.35%

9.99%

8.34%

8.34%

9.06%

9.38%

9.09%

9.06%

7.68%

7.51%

8.64%

8.31%

7.49%

6.89%

7.00%

8.39%

7.26%

6.71%

e


7.83% 10.04%

7.17%

8.63%

8.63%

8.21%

8.46%

8.63%

8.53%

8.05%

7.15%

6.91%

8.10%

9.65%

6.03%

6.15%

6.58%

15.92%

Pembiayaan (Financing) 1


12.75% 13.73% 16.93%

19.38% 19.11% 19.25% 19.09% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53%

17.60% 17.59% 17.27%

17.03%

17.31%

2


8.46% 10.25% 11.23%

11.37% 11.72% 11.21% 11.49% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30%

11.39% 11.04% 10.92%

10.95%

11.52%

3


13.05% 12.09% 14.66%

14.92% 16.07% 15.65% 15.95% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69%

73.30% 15.77% 15.51%

15.49%

15.61%

4

Akad Salam (Salam)

-

-

-

5

Akad iIstishna (Istishna)

13.08% 13.90% 14.00%

13.86%

14.16%

6

Akad Ijarah (ijara)

0.59%

0.66%

0.16%

0.88%

0.76%

0.75%

0.73%

0.76%

0.75%

0.75%

0.74%

0.66%

0.64% 121.08%

0.50%

0.48%

0.48%

0.48%

7

Akad Qardh (Qardh)

5.25%

5.33%

2.89%

3.42%

4.34%

3.97%

3.98%

4.34%

4.34%

4.34%

4.24%

4.29%

4.15%

3.98%

3.84%

3.98%

4.04%

-

-

-

13.80% 13.46% 14.30%

-

-

-

-

-

-

-

-

-

-

14.99% 13.89% 14.12% 14.04% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18%

36

-

4.11%

-


Tabel 37 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Dana Pihak Ketiga (Depositor Funds) 1

Giro iB (Demand Deposits)

2

Tabungan iB (Saving Deposits)

3

Deposito iB (Time Deposits)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5.69% 10.62%

5.50%

6.62%

6.19%

5.84%

5.94%

6.19%

5.36%

5.69%

6.07%

6.07%

5.97%

6.04%

6.01%

5.80%

5.49%

5.77%

a

1 Bulan (1 month)

8.79% 12.73% 10.64%

10.47% 12.03% 11.31% 11.17% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53%

11.30% 11.30% 11.64%

11.46%

11.49%

b

3 Bulan (3 months)

10.60% 12.44% 11.65%

13.16% 12.43% 12.13% 12.40% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47%

11.48% 11.23% 11.17%

11.08%

11.24%

12.98% 13.68% 12.14%

13.74% 13.38% 13.20% 13.48% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07%

13.43% 12.89% 13.27%

12.90%

13.20%

9.27% 12.58% 12.31%

13.09% 12.30% 12.21% 12.59% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00%

12.07% 11.92% 11.91%

11.74%

11.99%

13.54% 14.48% 11.52%

13.03% 12.26% 12.22% 12.19% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00%

11.92% 12.02% 12.12%

12.12%

13.14%

c

6 Bulan (6 months)

d


e


Pembiayaan (Financing) 1


21.28% 18.16% 21.28%

18.49% 18.59% 19.58% 19.63% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42%

17.59% 18.23% 17.98%

18.86%

20.02%

2


20.96% 23.15% 20.77%

23.28% 15.97% 17.23% 16.80% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96%

14.97% 16.01% 15.84%

16.23%

16.39%

3


17.88% 18.72% 20.30%

19.56% 19.22% 19.56% 19.45% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57%

19.60% 19.49% 19.62%

4

Akad Salam (Salam)

5

Akad iIstishna (Istishna)

6

Akad Ijarah (ijara)

7 8

19.71%

19.69%

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

18.45% 20.01%

7.43%

7.39%

7.35%

6.48%

6.90%

7.35%

7.39%

7.29%

7.28%

7.11%

7.17%

7.27%

7.53%

7.71%

7.93%

8.20%

-

0.84%

0.54%

0.21%

0.11%

0.10%

0.10%

0.10%

0.10%

0.09%

0.11%

0.19%

0.08%

0.08%

0.09%

0.07%

0.07%

0.06%

0.06%

Akad Qardh (Qardh)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Multijasa (Multi Purpose Financing)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

37


Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit) 2009 Rasio (Ratio)

2005

2006

2007

2008

Oct 1)

1

CAR

2

ROA 1)

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

12.41%

13.73%

10.67%

12.81%

10.77%

11.50%

11.17%

10.77%

11.26%

11.43%

11.07%

12.12%

12.31%

12.89%

14.66%

14.23%

14.58%

15.74%

1.35%

1.55%

2.07%

1.42%

1.48%

1.46%

1.48%

1.48%

1.65%

1.76%

2.13%

2.06%

1.25%

1.66%

1.67%

1.64%

1.80%

1.85%

27.58%

28.45%

40.38%

38.79%

26.09%

27.33%

27.52%

26.09%

20.51%

23.95%

32.02%

27.97%

25.07%

21.41%

21.24%

20.13%

21.92%

21.27%

3

ROE

4

NPF

2.82%

4.75%

4.05%

1.42%

4.01%

5.51%

5.54%

4.01%

4.36%

4.75%

4.53%

4.47%

4.77%

3.89%

4.14%

4.10%

3.95%

3.95%

5

FDR

97.75%

98.90%

99.76%

103.65%

89.70%

97.30%

95.49%

89.70%

88.67%

90.96%

95.07%

95.57%

96.65%

96.08%

95.32%

98.86%

95.40%

94.76%

6

BOPO

78.91%

76.77%

76.54%

81.75%

84.39%

83.28%

83.08%

84.39%

84.87%

79.73%

76.27%

77.15%

85.79%

79.99%

79.77%

80.36%

79.10%

78.94%

1)

Hanya data Bank Umum Syariah (Islamic Commercial Bank only)

38


Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank) 2009 Rasio (Ratio)

2005

2006

2007

2008

Oct na

na

2010

2009 Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1

CAR

34.72%

30.28%

29.98%

33.46%

34.57%

29.98%

30.80%

33.25%

31.35%

30.70%

29.60%

29.64%

29.20%

27.17%

29.10%

26.25%

2

ROA

4.05%

3.79%

3.21%

2.76%

5.00%

3.42%

3.46%

5.00%

3.55%

3.48%

3.57%

3.67%

3.97%

3.71%

3.68%

3.52%

3.47%

3.61%

3

ROE

11.21%

9.82%

11.21%

14.77%

21.55%

20.54%

20.98%

21.55%

11.65%

11.29%

12.20%

13.20%

15.33%

14.07%

14.08%

13.14%

13.17%

14.50%

4

NPF

10.90%

8.30%

8.11%

8.38%

7.03%

7.74%

8.36%

7.03%

7.36%

7.48%

7.37%

7.19%

7.13%

6.92%

7.16%

7.18%

7.43%

7.48%

5

FDR

122.41%

118.10%

124.08%

128.78% 126.89%

128.73%

128.31%

126.89%

123.61%

126.23%

129.05%

130.51%

131.17%

135.20%

135.74%

139.96%

135.82%

133.36%

6

BOPO

70.63%

77.33%

76.58%

65.02%

65.37%

64.69%

76.30%

76.78%

76.18%

75.35%

75.34%

75.20%

75.61%

76.49%

76.93%

77.18%

80.85%

64.69%

39


satuan (in unit) Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) 2009

Total Aset (Rp) 2005

2006

2007

2008

2010

2009

Total Assets (in IDR)

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

< 1 Mi l i a r (< 1 Billion)

11

7

13

7

8

8

9

8

10

10

10

11

6

6

6

6

5

5

1 s .d. 5 Mi l i a r (1 up to 5 Billion)

51

57

46

50

38

38

38

38

35

35

39

37

42

39

39

39

40

36

> 5 s .d. 10 Mi l i a r (>5 up to 10 Billion)

17

22

24

34

40

39

40

40

41

39

34

36

35

40

38

38

36

37

> 10 Mi l i a r (> 10 Billion)

13

19

31

40

52

53

52

52

54

58

60

60

61

60

63

63

65

70

Total

92

105

114

131

138

138

139

138

140

142

143

144

144

145

146

146

146

148

40


Miliar Rupiah (in Billion IDR) Tabel 41. Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1 hari (Overnight)

na

276

542

2,259

700

839

482

700

373

536

903

638

487

491

107

350

2,226

4,775

2-6 hari (2 up to 6 days)

na

334

66

450

890

163

328

890

347

1,146

801

773

581

488

190

764

190

355

7 hari (7 days)

na

106

304

961

129

293

421

129

340

738

1,088

698

411

480

409

1,060

86

160


na

74

193

148

682

758

931

682

510

654

435

429

570

460

600

720

767

400


na

-

64

-

470

6

420

470

-

-

20

2

-

129

72

100

125

40

>30 hari (> 30 days)

na

5

10

18

420

-

18

-

-

372

-

-

5

20

-

-

20

-

Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

41


Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) 2009 2005

2006

2007

2008

2010

2009 Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

1 hari (Overnight)

na

5.92%

6.59%

9.54%

6.01%

5.66%

6.21%

6.01%

6.15%

5.93%

6.00%

5.96%

6.00%

5.94%

6.17%

6.10%

5.67%

5.44%


na

7.80%

6.58%

9.97%

6.13%

6.11%

5.92%

6.13%

6.10%

6.05%

5.98%

6.01%

6.09%

6.07%

6.21%

6.13%

6.11%

5.76%

7 hari (7 days)

na

8.18%

6.66%

10.30%

6.33%

6.34%

6.12%

6.33%

6.27%

5.81%

5.96%

6.01%

6.07%

6.16%

6.22%

6.29%

6.16%

6.03%


na

8.60%

6.48%

10.65%

6.55%

6.53%

6.73%

6.55%

6.78%

6.54%

5.92%

6.17%

6.48%

6.44%

6.45%

6.38%

6.20%

6.26%


na

-

7.18%

-

6.65%

-

6.47%

6.65%

-

-

6.60%

5.80%

-

6.42%

6.36%

6.35%

6.35%

6.05%

>30 hari (> 30 days)

na

6.90%

-

10.75%

6.92%

6.48%

-

6.92%

-

-

6.27%

-

-

7.00%

6.50%

-

-

6.60%

Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

42


Miliar Rupiah (in Billion IDR) Tabel. 43. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province) Propinsi (Province) DI Aceh Sumatera Utara Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta Jawa Barat Banten Jawa Tengah DI Yogyakarta Jawa Timur Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Luar Indonesia

Aset Gross Dana Pihak Ketiga Pembiayaan (Financing) (Gross Assets) (Depositor Funds) 2,419 1,455 1,116 4,971 3,403 2,481 2,291 1,327 1,120 2,589 1,481 1,374 150 124 88 654 615 332 319 297 176 2,772 1,463 1,305 876 760 429 1,053 833 537 68,863 25,214 29,851 12,864 7,293 8,373 3,492 1,868 2,742 5,412 3,770 3,052 2,085 822 1,137 7,434 4,984 5,182 296 263 216 1,242 702 656 158 74 106 2,608 1,533 1,735 2,402 1,115 1,075 277 226 126 163 152 123 52 44 35 384 341 247 256 182 205 1,881 1,636 1,057 63 18 60 129 73 105 644 523 375 70 65 51 111 84 76 391 254 175 765 2 761

43

FDR

NPF

130.38% 137.17% 118.50% 107.81% 139.82% 185.13% 169.22% 112.17% 177.30% 155.08% 84.47% 87.10% 68.11% 123.53% 72.34% 96.17% 121.65% 106.98% 69.99% 88.36% 103.73% 178.52% 123.81% 125.62% 138.10% 88.50% 154.80% 29.75% 69.07% 139.71% 128.15% 110.97% 144.92% 0.30%

3.03% 8.22% 1.57% 1.73% 0.50% 4.07% 3.40% 4.07% 3.01% 2.10% 5.06% 3.35% 3.28% 2.84% 4.16% 1.29% 0.10% 0.85% 1.20% 3.48% 1.12% 6.72% 7.24% 0.00% 0.96% 4.20% 4.44% 2.92% 2.42% 0.78% 0.11% 5.84% 0.07% 0.00%


Juta Rupiah (in Million IDR) Tabel. 44. Total Aset, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province) Propinsi (Province) DI Aceh Suma tera Uta ra Suma tera Ba ra t Suma tera Sel a ta n Ba ngka Bel i tung Ja mbi Bengkul u Ri a u Kepul a ua n Ri a u La mpung DKI Ja ka rta Ja wa Ba ra t Ba nten Ja wa Tenga h DI Yogya ka rta Ja wa Ti mur Ba l i Ka l i ma nta n Ba ra t Ka l i ma nta n Tenga h Ka l i ma nta n Ti mur Ka l i ma nta n Sel a ta n Sul a wes i Uta ra Goronta l o Sul a wes i Ba ra t Sul a wes i Tenga h Sul a wes i Tengga ra Sul a wes i Sel a ta n Ma l uku Ma l uku Uta ra NTB NTT Iri a n Ja ya Ba ra t Pa pua

Aset (Assets)

Pembiayaan (Financing)

69,566 79,937 89,674 6,855 161,291 50,102 52,797 11,247 81,744 19,992 761,468 290,048 200,287 117,739 414,971 5,678 9,451 21,309 114,248 59,249 1,178

47,283 55,461 72,023 3,905 128,048 44,156 41,357 10,972 58,797 16,687 617,773 237,874 147,555 84,825 332,232 5,104 7,642 13,984 76,546 39,038 779

44

Dana Pihak Ketiga (Depositor Funds) 35,290 54,087 61,541 3,544 123,237 31,318 23,706 5,453 33,299 3,679 436,270 196,473 121,724 86,441 201,992 4,636 5,728 13,667 59,009 29,726 423

FDR 133.98% 102.54% 117.03% 110.21% 103.90% 140.99% 174.46% 201.21% 176.57% 453.57% 141.60% 121.07% 121.22% 98.13% 164.48% 110.08% 133.43% 102.32% 129.72% 131.33% 184.18%

NPF 15.06% 6.58% 3.44% 6.32% 6.18% 7.39% 5.69% 11.59% 6.99% 2.57% 5.70% 10.55% 6.94% 8.35% 8.84% 13.67% 32.40% 4.31% 9.05% 5.49% 10.14%


Miliar Rupiah (in Billion IDR) Tabel. 45. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province) Propinsi (Province)

Perta ni a n, kehuta na n da n s a ra na perta ni a n Agriculture, forestry and agricultural facilities

Perta mba nga n Peri ndus tri a n Li s tri k, ga s da n a i r Kons truks i Mining Manufacturing

Water, gas and Construction electricity

Perda ga nga n, res tora n Penga ngkuta n, perguda nga n da n hotel da n komuni ka s i Trade, restaurants and hotels

Ja s a duni a us a ha

Transport, cargo storage and communication

Business Services

Ja s a s os i a l / ma s ya ra ka t

La i n-l a i n

Social Services

Others

7

-

8

-

83

202

6

299

39

811

Suma tera Uta ra

526

4

73

14

248

792

26

646

121

952

Suma tera Ba ra t

29

2

10

-

5

223

6

320

58

673

Suma tera Sel a ta n

80

0

4

1

102

286

3

348

40

617

1

0

-

14

-

3

-

12

30

63

38

4

0

-

7

162

0

163

19

220

DI Aceh

Ba ngka Bel i tung Ja mbi Bengkul u Ri a u

62

-

-

-

2

52

5

91

16

70

239

-

4

1

99

178

71

329

18

526 428

2

0

3

-

2

65

14

234

12

48

1

5

6

3

146

3

424

27

169

DKI Ja ka rta

423

863

923

1,131

2,691

2,379

2,684

8,202

774

5,143

Ja wa Ba ra t

17

7

210

22

435

768

221

2,206

527

2,881

1

5

103

1

27

128

5

725

186

687

15

51

631

4

86

728

17

876

225

1,137

Kepul a ua n Ri a u La mpung

Ba nten Ja wa Tenga h

2

-

24

19

6

171

4

263

45

289

81

11

123

14

232

280

37

1,376

395

2,435

Ba l i

-

-

-

-

-

28

-

5

93

136

Ka l i ma nta n Ba ra t

6

0

2

-

33

97

143

102

10

308

Ka l i ma nta n Tenga h

1

-

-

-

-

2

-

39

3

29

14

5

18

-

101

199

47

632

68

448

Ka l i ma nta n Sel a ta n

3

69

5

0

22

53

130

482

45

306

Sul a wes i Uta ra

2

-

0

4

8

70

1

125

-

15

Goronta l o

0

-

3

-

2

47

2

5

68

24

17

-

0

-

-

5

1

4

2

15

Sul a wes i Tenga h

5

2

0

3

7

42

1

102

4

174

Sul a wes i Tengga ra

-

13

0

-

-

5

0

122

-

42

Sul a wes i Sel a ta n

2

0

5

-

16

130

2

552

17

910

Ma l uku

-

-

-

-

-

0

0

5

-

13

Ma l uku Uta ra

-

-

-

-

-

-

-

16

5

53

NTB

3

9

5

0

61

63

0

61

2

320

NTT

-

2

-

-

33

2

1

12

3

12

Iri a n Ja ya Ba ra t

-

-

-

-

2

30

-

28

5

20

84

-

0

-

9

67

2

44

3

45

-

0

-

-

-

-

1

-

1

-

DI Yogya ka rta Ja wa Ti mur

Ka l i ma nta n Ti mur

Sul a wes i Ba ra t

Pa pua

Luar Indonesia

45


Juta Rupiah (in Million IDR) Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi ( Financing of Islamic Rural Bank based on Economic Sector and Province) Propinsi (Province) DI Aceh Suma tera Utara Suma tera Ba ra t Suma tera Sel a tan Ba ngka Bel i tung Ja mbi Bengkul u Ri a u Kepul a ua n Ri a u La mpung DKI Ja ka rta Ja wa Ba ra t Ba nten Ja wa Tenga h DI Yogya ka rta Ja wa Ti mur Ba l i Ka l i ma ntan Ba ra t Ka l i ma ntan Tenga h Ka l i ma ntan Ti mur Ka l i ma ntan Sel a tan Sul a wes i Utara Gorontal o Sul a wes i Ba ra t Sul a wes i Tenga h Sul a wes i Tengga ra Sul a wes i Sel a tan Ma l uku Ma l uku Utara NTB NTT Iri a n Ja ya Ba ra t Pa pua

Pertani a n, kehutana n da n Perda ga nga n, res tora n Penga ngkutan, perguda nga n Ja s a s os i a l / Pertamba nga n Peri ndus tri a n Li s tri k, ga s da n a i r Kons truks i Ja s a duni a us a ha La i n-l a i n s a ra na pertani a n da n hotel da n komuni ka s i ma s ya ra ka t Agriculture, forestry and Water, gas and Trade, restaurants and Transport, cargo storage and Mining Manufacturing Construction Business Services Social Services Others agricultural facilities electricity hotels communication

1,430 1,913 4,342 195 5,475 17,165 1,149 26 4,838 34,570 195 9,534 1,404 19,865 120 770 433 834 6

112 77 240 44 165 157 -

607 1,191 611 454 117 701 835 607 6,886 1,358 2,686 1,900 3,426 963 5 895 10 -

100 229 165 1,840 39 40 16 3 3 -

951 1,473 1,655 13,027 356 149 1,544 8,202 6,280 22,013 2,391 2,788 9,075 199 -

46

32,342 14,560 36,629 732 55,070 15,286 9,470 3,393 7,217 1,806 129,129 100,042 48,026 22,419 89,801 2,681 2,406 3,181 12,678 32,100 188

84 352 1,462 23 1,149 68 1,667 121 224 10,441 460 2,201 80 1,258 3 1,806 7 378 -

3,369 5,287 4,947 210 27,760 349 9,166 1,467 2,565 4,191 68,863 72,791 14,225 24,847 31,762 281 227 6,665 1,073 3,033 82

257 443 1,766 63 119 73 389 164 361 11,405 3,988 1,410 1,098 1,545 7 19 397 -

8,243 30,141 20,270 2,229 25,090 10,158 18,532 5,802 41,440 10,690 346,198 52,716 47,255 30,646 181,614 1,167 4,889 1,554 52,367 2,084 503


Miliar Rupiah (in Billion IDR) Tabel. 47. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province) Propinsi (Province)

Modal Kerja

Investasi

Konsumsi

Agriculture, forestry and agricultural facilities

Mining

Manufacturing

547 1,566 515 637 17 308 212 560 204 564 13,363 3,485 959 2,209 417 1,895 112 204 11 599 454 206 102 24 148 140 618 5 20 111 29 62 135 1

97 885 138 226 44 86 16 376 126 100 6,701 927 222 424 117 653 14 189 34 485 355 4 25 5 19 0 107 0 92 25 2 74 1

811 952 673 617 63 220 70 527 429 169 5,150 2,881 687 1,137 289 2,435 136 308 29 448 306 15 24 15 174 42 910 13 53 320 12 20 45 -

DI Aceh Suma tera Uta ra Suma tera Ba ra t Suma tera Sel a ta n Ba ngka Bel i tung Ja mbi Bengkul u Ri a u Kepul a ua n Ri a u La mpung DKI Ja ka rta Ja wa Ba ra t Ba nten Ja wa Tenga h DI Yogya ka rta Ja wa Ti mur Ba l i Ka l i ma nta n Ba ra t Ka l i ma nta n Tenga h Ka l i ma nta n Ti mur Ka l i ma nta n Sel a ta n Sul a wes i Uta ra Goronta l o Sul a wes i Ba ra t Sul a wes i Tenga h Sul a wes i Tengga ra Sul a wes i Sel a ta n Ma l uku Ma l uku Uta ra NTB NTT Iri a n Ja ya Ba ra t Pa pua Lua r Indones i a

47


Juta Rupiah (in Million IDR) Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province) Propinsi (Province) Modal Kerja Investasi Konsumsi Working Capital Investment Consumption DI Aceh 36,281 4,404 6,598 Suma tera Uta ra 23,835 2,420 29,206 Suma tera Ba ra t 43,308 10,221 18,494 Suma tera Sel a ta n 1,245 432 2,229 Ba ngka Bel i tung 109,051 7,309 11,688 Ja mbi Bengkul u 32,511 6,431 5,214 Ri a u 18,547 6,631 16,179 Kepul a ua n Ri a u 3,159 2,169 5,644 La mpung 14,931 9,967 33,899 DKI Ja ka rta 15,434 85 1,168 Ja wa Ba ra t 256,599 54,323 306,851 Ba nten 160,700 36,880 40,294 Ja wa Tenga h 77,044 28,285 42,226 DI Yogya ka rta 51,864 8,681 24,280 Ja wa Ti mur 148,042 21,467 162,722 Ba l i 2,719 1,486 899 Ka l i ma nta n Ba ra t Ka l i ma nta n Tenga h Ka l i ma nta n Ti mur 2,777 2 4,863 Ka l i ma nta n Sel a ta n 12,565 1,419 Sul a wes i Uta ra Goronta l o Sul a wes i Ba ra t Sul a wes i Tenga h Sul a wes i Tengga ra Sul a wes i Sel a ta n 24,898 761 50,887 Ma l uku Ma l uku Uta ra NTB 30,750 6,539 1,749 NTT Iri a n Ja ya Ba ra t Pa pua 194 82 503

48


Miliar Rupiah (in Billion IDR) Tabel. 49. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province) Propinsi (Province)

Selain Usaha Kecil dan Menengah Usaha Kecil dan Menengah Small and Medium Enterprises Non Small and Medium Enterprises

1,142 2,400 1,044 759 18 614 282 1,245 663 709 20,637 5,097 1,139 3,171 615 4,356 206 503 56 1,437 1,003 198 144 23 168 46 1,196 16 8 365 50 34 242 1

DI Aceh Suma tera Uta ra Suma tera Ba ra t Suma tera Sel a ta n Ba ngka Bel i tung Ja mbi Bengkul u Ri a u Kepul a ua n Ri a u La mpung DKI Ja ka rta Ja wa Ba ra t Ba nten Ja wa Tenga h DI Yogya ka rta Ja wa Ti mur Ba l i Ka l i ma nta n Ba ra t Ka l i ma nta n Tenga h Ka l i ma nta n Ti mur Ka l i ma nta n Sel a ta n Sul a wes i Uta ra Goronta l o Sul a wes i Ba ra t Sul a wes i Tenga h Sul a wes i Tengga ra Sul a wes i Sel a ta n Ma l uku Ma l uku Uta ra NTB NTT Iri a n Ja ya Ba ra t Pa pua Lua r Indones i a

49

313 1,003 282 722 105 1 16 218 97 124 4,577 2,196 729 599 207 628 57 199 18 95 113 28 8 21 172 136 440 2 64 158 16 50 12 1


Juta Rupiah (in Million IDR) Tabel. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province) Propinsi (Province) Selain Usaha Kecil dan Menengah Usaha Kecil dan Menengah Non Small and Medium Enterprises Small and Medium Enterprises DI Aceh 32,038 15,245 Suma tera Utara 21,625 33,836 Suma tera Ba ra t 51,414 20,609 Suma tera Sela tan 1,676 2,229 Ba ngka Belitung 116,360 11,688 Ja mbi Bengkulu 32,498 11,658 Ria u 17,795 23,562 Kepula ua n Ria u 5,328 5,644 La mpung 14,792 44,005 DKI Ja ka rta 15,491 1,197 Ja wa Ba ra t 282,713 335,060 Ba nten 166,933 70,941 Ja wa Tenga h 100,002 47,554 DI Yogya ka rta 45,511 39,314 Ja wa Timur 157,961 174,271 Ba li 4,205 899 Ka lima ntan Ba ra t Ka lima ntan Tenga h Ka lima ntan Timur 2,550 5,092 Ka lima ntan Sela tan 12,564 1,421 Sula wes i Utara Gorontalo Sula wes i Ba ra t Sula wes i Tenga h Sula wes i Tengga ra Sula wes i Sela tan 25,640 50,906 Ma luku Ma luku Utara NTB 34,162 4,876 NTT Iria n Ja ya Ba ra t Pa pua 276 503

50

Statistik Perbankan Syariah (Islamic Banking Statistics), October 2010 Mi l i ar Rupi ah (i n Bi l l i on IDR) Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/kabupaten (Financing, Depositor Funds, percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on City/District) Propinsi (Province ) Ba nte n

Ja wa Ba ra t

DKI Ja ka rta

DI Y Ja wa Te nga h

Ja wa Ti mur

Be ngkul u Ja mbi NAD

Suma te ra Uta ra

Suma te ra Ba ra t

Ri a u

Ke p. Ri a u Suma te ra Se l a ta n

Ba ngka Be l i tung La mpung Ka l i ma nta n Se l a ta n

Ka l i ma nta n Ba ra t Ka l i ma nta n Ti mur

Kota/Kabupaten (City/District)

Ka l i ma nta n Te nga h

Kodya Pa l a ngka ra ya

Sul a we s i Te nga h Sul a we s i Se l a ta n

Kodya Pa l u Ka b. Wa jo Kodya Ma ka s s a r Ka b. Ma ros Ka b. Ma muju Kodya Me na do Kodya Goronta l o Kodya Ke nda ri Ka b. Lombok Ba ra t Ka b. Lombok Ti mur Kodya Ma ta ra m Ka b. Ba dung Kodya De npa s a r Kodya Kupa ng

Sul a we s i Ba ra t Sul a we s i Uta ra Goronta l o Sul a we s i Te ngga ra Nus a Te ngga ra Ba ra t Ba l i Nus a Te ngga ra Ti mur Ma l uku I ri a n Ja ya Ba ra t Pa pua Ma l uku Uta ra

Kodya Ambon Ka b. Sorong Kodya Sorong Kodya Ja ya pura Koti f Te rna te

Lua r I ndone s i a

DI LUAR I NDONESI A

Dana Pihak Ketiga (Depositor Funds)

Pembiayaan (Financing)

Ka b. Ta nge ra ng Ka b. Se ra ng Koti f Ci l e gon Kodya Ta nge ra ng Ka b. Be ka s i Ka b. Purwa ka rta Ka b. Bogor Ka b. Ci a njur Ka b. Ba ndung Ka b. Ta s i kma l a ya Ka b. Ma ja l e ngka Kodya Ba ndung Kodya Bogor Kodya Suka bumi Kodya Ci re bon Koti f Ta s i kma l a ya Koti f Ci ma hi Koti f De pok Koti f Be ka s i Wi l . Kota Ja ka rta Pus a t Wi l . Kota Ja ka rta Uta ra Wi l . Kota Ja ka rta Ba ra t Wi l . Kota Ja ka rta Se l a ta n Wi l . Kota Ja ka rta Ti mur Ka b. Sl e ma n Kodya Yogya ka rta Ka b. Te ga l Ka b. Kudus Ka b. Ba nyuma s Ka b. Ci l a ca p Kodya Se ma ra ng Kodya Pe ka l onga n Kodya Te ga l Kodya Sura ka rta Koti f Purwoke rto Ka b. Gre s i k Ka b. Si doa rjo Ka b. Pa me ka s a n Ka b. Ba nyuwa ngi Ka b. Je mbe r Ka b. Bojone goro Kodya Sura ba ya Kodya Ma l a ng Kodya Ke di ri Kodya Ma di un Kodya Be ngkul u Kodya Ja mbi Kodya Ba nda Ace h Koti f Lhoks e uma we Koti f La ngs a Koti f Si me ul ue Ka b. La ngka t Ka b. De l i Se rda ng Ka b. La buha n Ba tu Kodya Te bi ng Ti nggi Kodya Pe ma ta ng Si a nta r Kodya Ta njung Ba l a i Kodya Si bol ga Kodya Me da n Koti f Pa da ng Si de mpua n Kodya Buki tti nggi Kodya Pa da ng Kodya Pa ya kumbuh Ka b. Be ngka l i s Kodya Pe ka nba ru Koti f Duma i Koti f Ta njungpi na ng Kodya Pul a u Ba ta m Kodya Pa l e mba ng Koti f Ba tura ja Koti f Lubukl i ngga u Koti f Pra bumul i h Kodya Pa ngka l Pi na ng Ka b. La mpung Te nga h Kodya Ba nda r La mpung Ka b. Ba nja r Ka b. Hul u Sunga i Se l a ta n Kodya Ba nja rma s i n Ka b. Ke ta pa ng Kodya Ponti a na k Ka b. Kuta i Ka b. Pa s i r Kodya Sa ma ri nda Kodya Ba l i kpa pa n

51

582 342 463 481 742 170 95 91 3 17 21 2,542 960 153 718 412 95 327 947 14,770 1,001 680 7,118 1,644 5 817 137 98 292 25 1,212 492 40 1,448 25 153 96 93 70 332 77 2,612 967 552 34 297 615 886 241 177 151 327 237 94 521 35 15 1,837 337 434 797 96 77 1,221 166 238 521 1,222 124 40 92 127 143 691 41 55 1,019 24 678 162 9 740 621

889 428 667 758 1,444 110 113 53 15 0 4 3,105 1,160 85 438 232 86 443 1,086 13,209 1,398 577 12,077 2,590 45 1,092 51 56 194 29 1,240 398 40 1,031 13 98 130 98 28 201 88 2,799 713 1,012 14 176 332 860 110 71 75 105 0 97 85 171 66 4 1,699 252 327 766 26 133 1,006 167 180 249 1,265 88 10 37 61 66 472 46 37 992 66 590 146 0 968 620

FDR 65.41% 79.84% 69.48% 63.46% 51.38% 154.59% 84.84% 173.43% 17.97% 11449.66% 571.06% 81.87% 82.72% 180.97% 164.00% 177.56% 109.60% 73.88% 87.16% 111.82% 71.65% 117.99% 58.94% 63.48% 11.74% 74.83% 267.13% 176.99% 150.58% 85.86% 97.79% 123.62% 100.49% 140.44% 195.54% 155.88% 73.33% 94.51% 247.55% 164.92% 87.30% 93.33% 135.53% 54.55% 235.04% 169.22% 185.13% 103.10% 218.41% 249.65% 200.53% 310.27% 0.00% 243.45% 110.96% 303.85% 52.31% 349.17% 108.12% 133.88% 132.61% 104.06% 364.10% 57.74% 121.39% 99.79% 132.86% 209.34% 96.58% 139.82% 393.45% 246.99% 207.96% 216.89% 146.46% 90.12% 149.48% 102.65% 36.23% 114.94% 111.32% 2801.51% 76.45% 100.12%

74

106

69.99%

341 34 1,547 54 44 226 152 182 9 77 438 29 234 65

247 21 1,014 22 35 126 123 205 1 24 350 2 214 51

138.10% 163.70% 152.63% 246.36% 125.62% 178.52% 123.81% 88.50% 1317.89% 313.50% 125.28% 1294.95% 109.46% 128.15%

18 81 3 254 73

60 70 5 175 105

29.75% 115.39% 53.50% 144.92% 69.07%

2

761

0.30%


Grafik 1. Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) Miliar rupiah (in Billion IDR) 80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000

Oct-09

Nov-09

Dec-09

Jan-10 Aset (Assets)

Feb-10

Mar-10

Apr-10

May-10


52

Jun-10

Jul-10

Aug-10

Pembiayaan yang Diberikan (Financing)

Sep-10

Oct-10


Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank ) Juta rupiah (in Million IDR) 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 500,000 Oct-09

Nov-09

Dec-09

Jan-10

Feb-10

Aset (Assets)

Mar-10

Apr-10

May-10


53

Jun-10

Jul-10

Aug-10

Pembiayaan Yang Diberikan (Financing)

Sep-10

Oct-10


Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah FDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit 50.00%

100.00%

45.00%

98.00%

40.00%

96.00%

35.00%

94.00%

30.00%

92.00%

25.00% 90.00%

20.00%

88.00%

15.00% 10.00%

86.00%

5.00%

84.00%

0.00%

82.00% Oct-09

Nov-09

Dec-09

Jan-10

% Aset (Assets Growth)

Feb-10

Mar-10

Apr-10

% DPK (Dep. Funds Growth)

May-10

Jun-10

% PYD (Financing Growth)

54

Jul-10

Aug-10

FDR (Right Axis)

Sep-10

Oct-10


Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)

35.00%

145.00%

30.00%

140.00%

25.00%

135.00%

20.00% 130.00% 15.00% 125.00%

10.00% 5.00%

120.00%

0.00%

115.00% Oct-09

Nov-09

Dec-09

Jan-10

% Aset (Assets Growth)

Feb-10

Mar-10

Apr-10

% DPK (Dep. Funds Growth)

55

May-10

Jun-10

Jul-10

% PYD (Financing Growth)

Aug-10

Sep-10

FDR (Right Axis)

Oct-10


Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit)

Surat Berharga (Securities) 0.8% Kewajiban Kepada Bank Lain (Inter-bank Liabilities) 6.3%

Pinjaman yang Diterima (Received Borrowing) 0.3% Modal (Capital) 5.2%

Dana Pihak Ketiga (Depositor Funds) 87.4%

Oktober 2010 (October 2010)

56


Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank) Kewajiban Lainnya (Other Liabilities) 0.7%

Modal (Capital) 14.8% Pinjaman yang Diterima (Received Borrowing) 3.8%

Dana Pihak Ketiga (Depositor Funds) 64.3%

Kewajiban Kepada Bank Lain (Liabilities to other bank) 16.3%


57


Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)

Penempatan di BI (Placement at BI) 6.0%

Surat Berharga (Investment in Securities) 5.9%

Penyertaan (Equity participation) 0.1%

Penempatan di Bank Lain (Inter - bank assets ) 4.4%

Tagihan Lainnya (Billing and Acceptable Liabilities) 0.4%

PYD (Financing) 83.3%


58


Grafik 8. Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank) Penempatan di Bank Lain (Inter - bank assets ) 15.2% PYD (Financing) 84.8%


59


Triliun Rupiah (in Trillion IDR)

Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)

65.00 60.00

10% Pembiayaan Yang Diberikan (Financing)

NPF (percentage)

9%

55.00

8%

50.00

45.00

7%

40.00

6%

35.00 5% 30.00 25.00

4%

20.00

3%

15.00

2%

10.00 1%

5.00 0.00

0%

Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10

60

Jul-10

Aug-10 Sep-10 Oct-10


Juta Rupiah (in Million IDR)

Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF - Islamic Rural Bank) 12%

2,000,000.00

Pembiayaan Yang Diberikan (Financing)

NPF (percentage)

1,800,000.00 10%

1,600,000.00 1,400,000.00

8%

1,200,000.00

6%

1,000,000.00 800,000.00

4% 600,000.00 400,000.00

2%

200,000.00 0.00

0%

Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10

61


Grafik 11. Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit) 2.50%

100.00%

90.00% 2.00%

80.00% 70.00%

1.50%

60.00% 50.00%

1.00%

40.00% 30.00%

0.50%

20.00% 10.00%

0.00%

0.00% Oct-09

Nov-09

Dec-09

Jan-10

ROA (Left Axis)

Feb-10

Mar-10

Apr-10

ROE (Islamic Commercial Bank only - Right Axis)

62

May-10

Jun-10

BOPO (Right Axis)

Jul-10

Aug-10

Sep-10

Oct-10


Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank) 4.50%

90.00%

4.00%

80.00%

3.50%

70.00%

3.00%

60.00%

2.50%

50.00%

2.00%

40.00%

1.50%

30.00%

1.00%

20.00%

0.50%

10.00%

0.00%

0.00% Oct-09

Nov-09

Dec-09

Jan-10

Feb-10

ROA (Left Axis)

Mar-10

Apr-10

ROE (Right Axis)

May-10

BOPO (Right Axis)

63

Jun-10

Jul-10

Aug-10

Sep-10

Oct-10

Statistik Perbankan Syariah. (Islamic Banking Statistics)

Recommend Documents