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), December 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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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 December 2010 Islamic
Desember 2010 dilakukan pada tanggal 24
Banking Statistics is on January 24, 2011. 4.
Januari 2011.
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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. Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang
Akad Ijarah Ijara Contract
: 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
: imbalan dengan kewajiban pihak peminjam mengembalikan pokok Akad Qardh
pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.
Qardh Contract
A loan in which the debtor is only required to repay the amount borrowed. Indikasi tingkat imbalan dari suatu penanaman dana atau penghimpunan dana bank pelapor.
Ekuivalen tingkat imbalan/
Indicative rate of return from Placement of Funds or Source of Funds of the
bagi hasil/fee/bonus
reporting bank.
Equivalent rate of return/profit sharing/fee/bonus
ix
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Bank Umum Syariah (Islamic Commercial Bank) -
Jumlah Bank (Number of Banks)
-
Jumlah Kantor (Number of Offices)
3
3
3
5
6
6
7
8
9
10
10
10
10
10
11
11
11
304
349
401
581
711
820
852
934
918
970
33
1,113
1,111
1,151
1,154
1,171
1,215
Unit Usaha Syariah (Islamic Business Unit)
-
Jumlah Bank Umum Konvensional yang memiliki UUS (Number of Conventional Banks that have Islamic Business Unit)
-
Jumlah Kantor (Number of Offices)
19
20
26
27
25
25
25
25
25
24
23
23
23
23
23
23
23
154
183
196
241
287
288
294
299
312
298
1,081
251
236
237
237
239
262
Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)
-
-
Jumlah Bank (Number of Banks)
92
105
114
131
138
140
142
143
144
144
145
146
146
146
148
149
150
-
Jumlah Kantor (Number of Offices)
92
105
185
202
225
262
265
266
271
271
221
23
277
278
278
283
286
550
637
782
1,024
1,223
1,370
1,411
1,499
1,501
1,539
1,335
1,387
1,624
1,666
1,669
1,693
1,763
Total Kantor (Total Number of Offices)
1
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
317
689
198
1
75
58
113
1 1 1 1 1 1 1 1 1 1
115 34 35 8 4 6 5 6 28 1
204 329 47 5 2 3 13 28 -
72 5 1 7 -
23
104
89
46
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 22 5 2 1 2 1 2 4 2 2 3 2 1 2 3 1 20 2 3 1
3 12 20 5 9 1 2 3 7 1 5 21 -
2 37 1 1 2 2 1
Bank Pembiayaan Rakyat Syariah Islamic Rural Bank
150
25
-
111
TOTAL
184
446
778
355
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
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) 2010 Provinsi (Province)
2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1
Jawa Barat
26
28
28
28
27
27
27
27
27
27
27
27
27
27
27
27
28
2
Banten
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
4
D.I. Yogyakarta
2
3
6
9
9
9
10
10
10
10
10
10
10
10
10
10
10
5
Jawa Tengah
8
11
13
15
19
19
19
19
19
19
20
20
20
20
21
21
21
6
Jawa Timur
12
17
19
23
25
25
26
26
27
27
27
27
27
27
28
29
29
7
Bengkulu
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
9
Nanggroe Aceh Darussalam
5
5
5
6
7
8
8
9
9
9
9
10
10
10
10
10
10
10 Sumatera Utara
6
6
7
7
7
8
8
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
12 Riau
2
2
2
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
14 Kepulauan Bangka Belitung
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
16 Lampung
3
3
3
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
18 Kalimantan Barat
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
20 Kalimantan Tengah
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
22 Sulawesi Selatan
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
24 Gorontalo
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
26 Sulawesi Tenggara
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
28 Bali
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
30 Maluku
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
32 Irian Jaya Barat
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
92
105
114
131
138
140
142
143
144
144
145
146
146
146
148
149
150
Total
3
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
Tabel 4. Layanan Syariah (Office Channeling) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1
UUS Bank Danamon
0
7
70
70
80
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
3
UUS BII
0
4
8
9
9
9
9
9
9
9
9
9
9
9
9
9
9
4
UUS Bank Tabungan Negara
0
27
36
64
116
116
116
116
116
116
116
116
116
116
116
116
116
5
UUS CIMB Niaga
0
43
63
143
505
507
500
500
500
522
522
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
7
UUS HSBC
0
0
7
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
9
UUS BPD Banda Aceh
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
11 UUS BPD Riau
0
0
8
33
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
13 UUS BPD Sumsel
0
0
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
15 UUS BPD DIY
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
37
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
18 UUS BPD Kalbar
0
0
0
1
5
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
20 UUS BPD Sulsel
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
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22 UUS OCBC NISP 23 UUS Bank Sinarmas
0
0
0
0
0
0
24 UUS BNI
0
136
636
640
641
641
641
641
641
641
25 UUS BPD Jabar dan Banten
0
9
9
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
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) 2005
2006
2007
2008
2010
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
11,919
12,439
13,349
13,594
13,829
13,828
14,708
14,858
15,224
Bank Umum Syariah (Islamic Commercial Bank)
3,523
3,913
4,311
6,609 10,348
Unit Usaha Syariah (Islamic Business Unit)
1,436
1,797
2,266
2,562
2,296
2,365
2,354
2,439
2,469
2,273
1,615
1,717
1,750
1,752
1,783
1,780
1,868
Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)
1,037
1,666
2,108
2,581
2,799
2,793
2,805
2,813
2,838
3,030
3,031
3,039
3,035
3,068
3,111
3,086
3,172
10,304
10,840 11,082
5
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
1 Kas (Cash)
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
226
346
488
759
1,017
996
941
975
935
1,046
1,161
1,199
1,405
1,803
1,310
1,484
1,453
2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia)
3,180
3,641
4,540
5,189
10,393
11,321
9,837
8,635
8,604
7,823
8,343
9,014
7,507
9,852
11,191
12,164
16,393
3 Penempatan pada Bank Lain (Placement in Other Bank)
1,058
991
1,667
1,978
3,036
3,150
3,348
3,337
3,156
3,263
3,458
3,413
3,495
3,609
3,640
4,001
4,138
730
829
1,388
2,683
3,786
3,851
4,358
4,406
4,790
5,014
5,346
5,741
5,889
5,975
5,665
5,559
5,733
15,270
20,445
27,944
38,199
46,886
47,140
48,479
50,206
51,651
53,223
55,801
57,633
60,275
60,970
62,995
65,942
68,181
21
15
182
136
171
173
208
187
213
185
229
263
251
460
236
256
351
2
31
9
32
24
24
24
28
30
13
13
14
14
14
14
14
14
307
515
785
1,148
1,649
1,755
1,867
1,841
1,905
2,182
2,006
2,089
2,144
2,226
2,236
2,243
2,069
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
88
88
88
88
88
88
88
88
236
270
296
436
672
675
677
683
712
737
748
774
783
790
816
838
899
5,487
8,178
14,261
24,882
33,853
33,097
34,311
34,927
35,988
36,441
38,616
40,772
41,205
42,969
44,282
45,677
49,707
495
621
743
1,200
1,623
1,729
1,805
1,793
1,805
1,909
2,017
2,085
2,075
2,118
2,134
2,249
2,338
20,880
26,722
36,538
49,555
66,090
67,436
67,963
68,543
70,146
71,125
75,205
78,140
79,641
83,454
85,881
90,387
97,519
15,593
20,672
28,012
36,852
52,271
53,163
53,299
52,811
54,043
55,067
58,078
60,462
60,972
63,912
66,478
69,086
76,036
32
32
32
68
6
6
6
5
5
5
5
4
4
4
4
3
3
3 Kewajiban kepada Bank Lain (Liabilities to other Bank)
980
874
1,951
2,419
3,717
3,392
3,444
3,910
3,596
3,472
3,843
3,937
4,151
4,765
4,016
4,642
4,924
4 Surat Berharga yang Diterbitkan (Securities)
265
268
350
311
340
340
340
395
340
340
340
340
340
340
340
325
325
5 Pinjaman Diterima (Received Borrowing)
204
181
155
150
512
512
512
506
308
307
299
298
298
290
289
287
483
6 Kewajiban lainnya (Other Liabilities)
210
285
473
727
845
819
960
983
1,072
960
1,020
1,033
929
989
1,020
1,109
1,321
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
50
8 Antar Kantor Pasiva (Inter -Office Liabilities)
7,459
10,544
17,428
30,283
37,601
37,678
38,921
39,939
40,990
41,445
43,037
44,828
46,064
47,789
48,640
51,051
54,555
185
218
260
463
582
618
669
713
614
592
636
686
687
758
808
850
965
10 Modal disetor (Paid-in capital)
9 Rupa-rupa Pasiva
(Other Liabilities)
951
991
1,017
1,752
1,946
2,279
2,279
2,284
2,637
3,137
4,138
4,592
4,592
5,092
5,911
5,911
5,965
11 Tambahan modal disetor ( Additional paid-in capital)
132
142
132
466
468
135
135
135
689
689
689
1,073
1,073
573
572
572
516
-
-
-
13
-
3
3
3
3
3
8
9
14
19
11
11
12
230
268
275
335
449
449
449
449
465
439
434
464
464
464
490
490
491
230
268
275
335
449
449
449
449
465
439
434
464
464
464
490
490
491
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
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
959
959
907
824
753
733
527
527
527
527
527
527
b. Tahun berjalan (Current year)
238
355
540
432
791
83
179
328
425
301
506
604
680
852
978
1,112
1,051
20,880
26,722
36,538
49,555
66,090
67,436
67,963
68,543
70,146
71,125
75,205
78,140
79,641
83,454
85,881
90,387
97,519
TOTAL PASIVA* * Net
6
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR) Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) 2010 2005
2006
2007
2008
2009 Jan
1 Kas (Cash)
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
11,723
19,341
25,090
25,150
28,938
35,899
40,455
35,441
30,706
36,970
35,362
31,786
38,126
37,047
36,983
37,714
30,760
2 Penempatan pada Bank Lain (Placement in Other Bank)
102,597
185,208
232,589
334,050
407,663
415,102
380,181
369,360
364,523
356,863
354,453
377,388
323,802
392,204
427,857
423,871
525,332
3 Pembiayaan (Financing)
417,282
615,469
890,709
1,256,610
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
2,041,367
2,060,437
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
15,119
-
-
(464)
350
350
350
350
350
350
350
350
313
313
-
-
-
7,901
11,994
17,491
35,339
32,413
33,018
34,847
34,611
35,415
36,223
36,814
38,581
38,563
40,373
42,322
42,627
39,172
7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment)
16,965
21,328
28,273
40,499
46,595
45,827
48,226
48,708
49,530
53,054
54,421
56,800
56,402
57,116
59,436
59,234
59,652
8 Rupa-rupa Aktiva (Other assets)
25,788
52,873
48,921
62,327
73,461
75,981
80,112
81,556
81,092
83,310
80,456
81,112
83,510
83,831
81,684
81,435
84,118
585,467
896,017
1,215,916
1,693,332
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
2,615,232
2,738,745
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
1,283,495
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
1,517,715
1,603,778
2 Kewajiban kepada Bank Lain (Liabilities to other Bank)
37,110
97,561
175,803
271,481
353,068
348,109
350,059
377,113
391,543
404,192
441,299
467,608
464,200
489,733
493,333
502,583
520,882
3 Pinjaman Diterima (Received Borrowing)
37,574
39,757
51,544
68,268
56,744
49,407
52,457
49,641
47,746
46,065
49,909
53,516
56,043
51,385
55,027
53,840
52,170
8,992
8,808
10,912
19,545
18,419
16,550
16,735
16,701
16,749
15,684
16,983
18,695
22,105
20,477
18,500
17,937
18,802
3
3
3
3
353
453
803
903
903
253
350
350
350
350
650
650
650
12,212
16,717
24,989
35,861
33,351
29,525
31,408
30,860
30,633
38,122
35,889
39,122
40,105
45,739
50,969
51,311
54,921
118,380
150,609
176,690
221,651
294,942
293,259
296,323
294,904
298,964
310,589
315,472
329,211
327,137
333,146
336,877
334,024
347,000
7,175
15,523
17,610
54,605
41,929
39,568
44,889
48,594
55,331
56,214
56,906
44,636
45,218
46,118
46,135
44,921
47,448
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
9,345
16,833
20,684
28,338
36,817
37,887
38,053
40,529
41,594
47,004
47,545
47,722
48,007
43,205
42,987
42,508
41,615
a. Cadangan Umum (General Reserves)
4,856
10,301
11,650
16,638
22,582
23,334
24,194
26,345
27,248
30,170
30,621
30,769
31,073
30,955
30,989
30,676
30,096
b. Cadangan Tujuan (Special Purpose Reserves)
4,489
6,533
9,034
11,699
14,235
14,552
13,859
14,184
14,346
16,834
16,924
16,952
16,934
12,250
11,997
11,832
11,519
(24,640)
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)
30,021
24,646
12,690
(345)
(17,300)
(20,858)
(22,900)
(23,952)
(23,414)
(25,455)
(25,440)
b. Tahun berjalan (Current year)
16,499
20,966
27,064
29,787
54,599
5,136
9,389
16,423
24,727
31,433
38,432
44,304
47,268
51,639
62,662
69,306
70,243
585,467
896,017
1,215,916
1,693,332
1,962,225
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
2,615,232
2,738,745
TOTAL PASIVA* * Net
7
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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 ) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
3,715
4,484
Sep
Oct
Nov
Dec
A. Pendapatan (Revenue) 1
Pendapatan Operasional (Operating Revenue)
2 3 4
2,177
3,085
Pendapatan Operasional Lainnya (Other operating Revenue)
194
288
Pendapatan non operasional (Non operating Revenue)
565
838
Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/-
925
1,306
2,012
Total pendapatan (Total Revenue)
3,795
5,093
6,620
631
1,244
1,937
2,607
3,267
5,252
406
632
1,551
234
225
330
452
526
585
660
756
1,260
2,061
3,500
308
609
951
1,296
1,608
2,077
2,341
2,734
1,468
1,938
2,697
253
484
745
1,002
1,249
1,411
1,687
1,967
2,905
3,993
5,848
8,975
920
1,594
2,473
3,353
4,151
4,967
5,798
1,774
2,603
3,135
466
662
955
1,305
1,832
1,895
2,268
6,143
6,962
7,956
8,757
844
983
1,103
1,252
3,131
3,537
3,984
4,371
2,271
2,588
2,927
3,261
6,775
7,847
8,894
10,115
11,119
2,664
3,059
3,479
3,917
4,472
B. Beban (Expenses) 1
Beban operasional (Operating Expenses)
939
1,324
2
Beban operasional lainnya (Other Operating Expenses)
202
263
317
492
1,485
53
124
206
282
350
417
491
584
671
750
847
963
3
Beban non operasional (Non Operating Expenses)
573
904
1,273
2,147
3,523
308
610
951
1,295
1,609
2,076
2,344
2,741
3,142
3,548
4,074
4,383
1,714
2,491
3,365
5,242
8,143
827
1,395
2,112
2,882
3,790
4,387
5,103
5,989
6,872
7,777
8,838
9,818
298
414
628
605
832
93
199
361
471
361
580
696
786
975
1,117
1,277
1,301
16
25
33
78
(73)
0
0
0
0
0
0
0
2
2
2
2
108
282
389
595
528
904
93
199
361
471
361
580
695
784
973
1,115
1,275
1,193
44
34
55
92
135
10
20
33
46
60
74
92
108
125
141
167
165
238
355
540
432
791
83
179
328
425
301
506
604
680
852
978
1,112
1,051
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
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR) Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement ) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
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
3,735
7,919
12,696
17,140
21,757
26,361
31,006
35,644
37,972
43,920
48,642
55,639
3
Pendapatan non operasional (Non operating Revenue)
1,249
3,676
6,159
6,714
8,085
376
721
1,237
1,732
2,335
2,981
3,583
4,117
5,300
10,850
11,414
12,528
4
Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/-
33,430
49,949
77,246 108,154 138,769 12,991 26,052
39,794
54,246
69,208
84,076
Total pendapatan (Total Revenue)
97,275
154,633 203,063 293,964 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965 396,026 419,771 484,935
88,894
142,364 186,295 267,795 347,193 30,165 61,981
49,378
82,315 105,458 162,045 194,209 15,926 34,023
99,240 113,894 130,010 147,580 162,459 180,257
94,854 129,179 165,762 201,396 239,196 271,987 315,293 362,956 382,543 441,823
B. Beban (Expenses) 1
Beban operasional (Operating Expenses)
2
Beban operasional lainnya (Other Operating Expenses)
2,518
10,217
8,455
14,767
24,593
1,864
3
Beban non operasional (Non Operating Expenses)
1,378
3,310
6,797
8,214
8,565
765
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)
51,838
68,801
5,312
7,992
9,987
13,591
15,996
19,432
22,243
24,588
28,620
15,914
35,795
1,037
1,414
1,810
2,096
2,520
2,978
3,537
3,956
6,469
6,935
7,611
53,274
95,842 120,709 185,027 227,368 18,556 40,371
61,244
80,598 103,651 125,482 150,567 174,196 200,799 230,708 237,424 288,940
21,449
27,407
34,193
40,381
67,000
19,120
28,487
36,354
44,299
51,401
55,181
60,420
72,193
79,945
83,905
180
300
372
626
967
187
191
268
338
405
509
606
664
722
816
1,286
21,269
27,107
33,821
39,755
66,033
5,984 11,149
18,929
28,219
36,016
43,894
50,892
54,575
59,755
71,471
79,128
82,619
6,063 11,336 78
87,964 106,966 128,157 148,417 172,254 195,619 214,574 245,534
4,770
6,224
7,013
9,976
11,495
874
1,819
2,595
3,619
4,646
5,589
6,588
7,311
8,128
9,125
9,823
12,375
16,499
20,883
26,809
29,787
54,562
5,136
9,389
16,423
24,727
31,433
38,432
44,304
47,268
51,635
62,662
69,306
70,243
9
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1
Biaya promosi (Cost of promotion)
67
90
135
180
154
9
16
25
39
54
65
83
106
131
159
193
236
2
Biaya pendidikan dan pelatihan (Cost of education and training)
20
19
19
32
45
4
7
12
17
22
29
37
41
45
48
52
60
87
109
153
212
200
12
23
37
56
75
93
120
147
176
207
245
296
Total
10
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010 2005
2006
2007
2008
2009 Jun
Jul
1
Biaya promosi (Cost of promotion)
826
1,300
2,284
4,178
4,826
Jan 269
629
949
1,390
1,844
2,353
2,877
3,474
4,224
4,823
5,381
6,433
2
Biaya pendidikan dan pelatihan (Cost of education and training)
686
1,649
1,889
2,727
3,622
382
675
993
1,357
1,713
2,255
2,688
2,976
3,383
3,862
4,097
4,710
1,512
2,949
4,173
6,905
8,448
651
1,304
1,942
2,747
3,556
4,608
5,565
6,450
7,607
8,685
9,478
11,143
Total
11
Feb
Mar
Apr
May
Aug
Sep
Oct
Nov
Dec
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
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)
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2 -
1 2
17 1
91
45 -
3 83
175
176
164
168
2 64
52
36
37
42
169 94
179 133
1
1
2
14
5
8
2
6
11
9
9
11
10
7
6
6
8
246
444
613
1,612
1,502
1,818
1,909
1,996
2,262
2,014
2,126
2,189
2,499
2,641
2,656
2,619
2,755
7
0
4
8
15
12
12
12
29
29
27
14
42
45
32
25
25
33 2 0
167 4 32
66 0
141 33
146 6
169 13
244 12
243 11
230 7
96 5
123 10
87 4
175 4
175 5
85 6
142 32
178 33
0 16 14
0 33 1
10 0 53 22,588 1 78
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
55 226 4
61 220 0
151 2
223 2
390 3
838 -
1,038 2
947 1
926 1
979 1
879 1
926 1
909 0
937 0
945 0
987 4
984 4
993 0
116
208
336
648
3 82 1 968 2 1,684
1,363
1,359
1,353
1,427
1,461
1,476
1,698
1,649
1,652
1,643
1,815
1,864
194
316
362
429
349
347
350
351
349
351
357
362
365
369
380
387
445
12
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR) Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off Balance Sheet Account - Islamic Rural Bank) 2010 2005
2006
2007
2008
2009 Jan
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
Feb
Mar
Apr
May
Jun
Jul
Sep
Nov
Dec
12,013
13,849
24,095
16,026
7,403
23,953
26,471
24,271
24,350
23,953
22,584
2,478
4
2 -
2
3,947
2
2
2
2
2
2
2
2
2
2
4,395
6,420
5,770
6,617
6,726
5,739
7,114
7,141
7,277
7,298
7,644
7,569
6,439
6,458
7,038
6,957
294
17,551
17,644
9
9
-
-
9
-
22
-
-
-
-
-
-
-
-
390
44 9 9 44 44 44 9 9,368 9 4,784 43,072 9,140 12,151 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 2,550 1,450 1,136 1,165 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 7,489 12,231 12,773 19,126 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288
Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah) 16,883
Oct
843
-
7,372 25,827
Aug
36,471
33,336
52,640
66,947
13
60,703
50,285
59,491
58,970
60,179
59,038
62,596
66,112
9
-
17,606 2,438 33,742
18,350 2,106 34,484
21,126 2,452 34,492
17,942 4,205 41,188
61,383
68,827
78,432
88,873
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )
2,048
3,416
3,750
4,238
6,202
6,041
6,587
5,881
5,965
6,054
10,038
10,338
7,291
7,407
7,116
8,224
9,056
2 Tabungan iB (iB Saving Deposits)
4,367
6,430
9,454
12,471
16,475
16,362
16,341
16,688
16,863
17,428
18,351
18,449
18,521
19,461
20,137
20,812
22,908
183
332
645
958
1,538
1,553
1,598
1,886
1,986
2,322
2,547
2,418
2,504
2,658
2,878
3,001
3,338
a
Akad Wadiah (Wadia)
b
Akad Mudharabah (Mudharaba)
3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)
4,184
6,098
8,809
11,513
14,937
14,809
14,742
14,802
14,877
15,106
15,804
16,031
16,018
16,803
17,259
17,811
19,570
9,169
10,826
14,807
20,143
29,595
30,760
30,371
30,243
31,215
31,584
29,689
31,675
35,159
37,044
39,225
40,051
44,072
a
1 Bulan (1 month)
3,835
5,234
9,309
14,325
19,794
20,748
20,054
20,226
21,212
21,546
19,597
21,365
24,478
26,171
27,765
27,750
31,873
b
3 Bulan (3 months)
2,228
1,973
1,406
1,919
4,544
4,942
5,124
5,073
4,803
5,081
4,832
5,140
5,153
5,473
5,409
6,472
6,165
c
6 Bulan (6 months)
1,480
1,231
1,296
1,827
1,758
1,796
1,946
1,937
1,939
1,963
2,101
2,118
2,262
2,160
2,281
2,086
2,294
d
12 Bulan (12 months)
1,625
2,143
2,787
2,066
3,497
3,272
3,246
3,007
3,260
2,987
3,154
3,052
3,265
3,240
3,766
3,743
3,738
e
> 12 Bulan (> 12 months)
1
245
9
6
1
1
0
0
0
6
6
1
1
1
4
1
3
15,584
20,672
28,012
36,852
52,271
53,163
53,299
52,811
54,043
55,067
58,079
60,462
60,972
63,912
66,478
69,086
76,036
Total
14
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah ( in Million IDR ) Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) 2010 2005
2006
2007
2008
2009 Jan
1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia ) 2 Tabungan iB (iB Saving Deposits) a
Akad Wadiah (Wadia)
b
Akad Mudharabah (Mudharaba)
3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)
160,906
231,440
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
-
Nov
Dec
-
-
-
-
-
-
-
-
-
-
-
-
-
-
296,890
441,291
492,682
558,179
565,741
560,770
569,195
586,408
572,926
590,065
556,908
596,875
631,459
620,870
658,759
48,600
73,634
86,708
161,450
209,991
238,550
245,953
242,971
245,308
248,243
249,227
259,715
249,721
261,362
272,333
263,339
285,066
112,306
157,806
210,182
279,841
282,691
319,629
319,788
317,799
323,887
338,165
323,699
330,350
307,187
335,513
359,126
357,531
373,693
173,325
289,712
420,968
534,524
665,352
725,316
744,443
749,217
777,226
799,133
812,808
828,662
839,127
860,893
899,783
896,845
945,020
a
1 Bulan (1 month)
25,327
58,518
63,504
68,141
138,184
108,763
110,991
111,775
114,561
120,250
125,368
126,334
126,513
129,143
136,331
129,968
155,669
b
3 Bulan (3 months)
31,371
45,288
49,724
55,818
76,815
103,342
109,424
113,242
117,225
121,159
121,954
125,424
129,604
133,287
146,244
138,010
141,721
c
6 Bulan (6 months)
35,403
60,348
45,915
68,875
157,831
135,714
135,806
139,237
148,809
147,218
146,207
142,351
144,609
149,487
153,770
157,618
166,845
d
12 Bulan (12 months)
78,877
122,300
205,596
270,133
275,875
361,433
369,522
365,131
375,632
389,197
397,538
410,150
414,415
422,346
438,601
445,772
456,288
e
> 12 Bulan (> 12 months)
2,347
3,258
56,229
71,557
16,646
16,064
18,700
19,833
20,999
21,308
21,740
24,403
23,985
26,630
24,838
25,476
24,496
334,231
521,152
717,858
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
1,517,715
1,603,778
Total
975,815 1,158,034
15
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
Giro Wadiah (Wadiah Demand Deposits) SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank Indonesia Islamic Certificate) Lainnya (Others) Total
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
464
1,282
1,840
2,363
2,694
2,889
2,933
2,883
2,965
3,003
3,088
3,294
3,330
3,392
3,461
3,552
4,176
2,395
2,357
2,599
2,545
3,076
3,373
2,972
2,425
3,027
1,656
2,734
2,576
1,882
2,310
2,783
3,287
5,408
321
2
101
280
4,623
5,059
3,932
3,327
2,612
3,164
2,521
3,144
2,295
4,150
4,948
5,325
6,809
3,180
3,641
4,540
5,189
10,393
11,321
9,837
8,635
8,604
7,823
8,343
9,014
7,507
9,852
11,191
12,164
16,393
16
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010 2005
2006
2007
2008
2009 Jan
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
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
4
279
1,103
1,103
1,104
1,105
1,104
1,104
1,104
1,106
1,105
1,105
1,105
1,106
1,106
1,384
2,400
2,641
2,706
3,212
3,259
3,644
3,868
4,200
4,593
4,742
4,827
4,465
4,358
4,532
1,388
4
42
42
42
42
42
42
42
42
42
42
95
95
95
2,683
3,786
3,851
4,358
4,406
4,790
5,014
5,346
5,741
5,889
5,975
5,665
5,559
5,733
17
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 Akad (Contract)
2005
2006
2007
2008
2009 Jan
Akad Mudharabah (Mudharaba)
3,124
Akad Musyarakah (Musharaka)
1,898
2,335
Akad Murabahah (Murabaha)
9,487
12,624
Akad Salam (Salam)
4,062
5,578
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
6,205
6,597
6,556
6,592
6,716
6,933
7,231
7,593
7,856
8,207
8,292
8,411
8,895
8,631
4,406
7,411
10,412
10,363
10,725
11,216
11,632
11,950
12,420
12,645
13,323
13,305
13,943
14,353
14,624
16,553
22,486
26,321
26,532
27,288
28,269
28,922
29,744
31,108
32,027
33,310
33,967
34,831
36,214
37,508
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
402
411
406
404
410
392
383
389
380
391
395
347
Akad Ijarah (ijara)
316
836
516
765
1,305
1,313
1,321
1,324
1,486
1,569
1,839
2,047
2,134
2,123
2,124
2,149
2,341
Akad Qardh (Qardh)
125
250
540
959
1,829
1,974
2,141
2,275
2,274
2,319
2,449
2,675
2,912
2,902
3,295
3,935
4,731
Lainnya (Others)
0 Total
15,232
0 20,445
0 27,944
0 38,195
0 46,886
0 47,140
0 48,479
18
0 50,206
0 51,651
0 53,223
0 55,801
0 57,633
0 60,275
0 60,970
0 62,995
0 65,942
0 68,181
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah ( in Million IDR) Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) 2010 Akad (Contract)
2005
2006
2007
2008
2009 Jan
Akad Mudharabah (Mudharaba) Akad Musyarakah (Musharaka)
24,237
26,351
41,714
42,952
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
Nov
69,549
Dec
67,443
65,471
40,065
65,342
90,483
113,379
144,969
136,060
141,483
146,010
157,879
171,155
178,137
189,606
195,530
211,680
223,120
225,719
217,954
337,566
505,633
716,240
1,011,743
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
1,595,644
1,621,526
90
30
0
38
105
0
4
4
169
167
160
117
0
0
0
0
45
Akad Istishna (Istishna)
1,844
1,361
13,467
24,683
32,766
32,436
33,130
33,468
34,017
33,593
33,376
33,596
33,404
32,113
30,689
29,354
27,598
Akad Ijarah (ijara)
6,816
6,783
3,661
5,518
7,803
8,219
8,524
9,964
9,613
9,935
9,725
11,715
13,282
13,395
13,600
13,510
13,499
Akad Qardh (Qardh)
6,666
9,969
19,038
40,308
50,018
49,908
53,900
53,532
57,328
59,429
62,401
64,041
62,751
60,390
63,357
61,736
63,000
0
0
6,106
17,988
28,578
29,085
29,904
29,826
33,652
35,389
39,232
43,024
44,024
45,897
46,668
47,960
51,344
Akad Murabahah (Murabaha) Akad Salam (Salam)
Multijasa (Multi Purpose Financing) Total
417,282
615,469
890,709
1,256,610
1,586,919
1,586,580
1,653,875
1,690,571
19
1,757,256
1,817,361
1,873,570
1,925,743
1,954,179
1,979,912
2,042,042
2,041,367
2,060,437
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
SEKTOR EKONOMI
2005
2006
2007
2008
2009
ECONOMIC SECTOR
Jan
Pertani a n, kehutana n da n s a ra na pertani a n
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
687
701
837
1,177
1,331
1,386
1,325
1,563
1,555
1,661
1,678
1,671
1,675
1,671
1,707
1,992
1,762
395
375
511
965
1,047
1,002
958
1,116
1,072
1,081
1,098
1,073
1,090
1,096
1,051
1,057
1,120
933
940
1,371
1,340
1,579
1,612
1,551
1,768
1,976
2,072
2,107
2,172
2,168
2,126
2,158
2,282
2,337
66
17
166
248
698
699
835
848
803
857
910
927
1,040
1,134
1,234
1,317
1,354
1,548
1,637
2,371
3,368
3,516
3,515
3,504
3,831
3,976
3,930
4,083
3,996
4,319
4,015
4,322
4,202
4,194
1,716
3,041
4,152
4,426
5,000
5,732
5,577
6,114
6,186
6,397
6,787
6,855
7,062
7,136
7,404
7,422
7,609
1,261
1,165
1,569
2,759
3,349
3,208
3,067
3,499
3,552
3,565
3,575
3,554
3,519
3,435
3,433
3,545
3,696
4,504
5,458
8,425
11,757
13,664
13,775
15,126
14,294
14,712
15,355
16,103
16,872
18,016
18,517
18,848
19,880
20,233
1,208
1,456
1,904
2,463
2,661
2,537
2,455
2,596
2,622
2,687
2,755
2,736
2,613
2,694
2,862
2,910
2,975
2,913
5,655
6,639
9,693
14,042
13,673
14,080
14,577
15,196
15,618
16,705
17,776
18,771
19,146
19,975
21,335
22,902
15,232
20,445
27,944
38,195
46,886
47,140
48,479
50,206
51,651
53,223
55,801
57,633
60,275
60,970
62,995
65,942
68,181
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
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR ) Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) 2010
SEKTOR EKONOMI
2005
2006
2007
2008
2009
ECONOMIC SECTOR Pertani a n, kehutana n da n s a ra na pertani a n
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
11,874
17,720
24,436
41,613
54,486
56,859
62,417
64,779
67,917
71,842
73,597
108,627
113,075
101,229
104,265
104,578
107,129
138
485
944
1,287
998
894
833
884
804
773
796
1,036
759
802
795
789
905
9,207
12,465
12,447
15,885
20,420
20,643
21,511
27,513
24,279
24,254
23,464
25,758
24,505
24,332
23,251
23,696
24,635
109
748
367
1,146
1,055
814
1,052
1,066
1,057
1,097
1,160
1,212
1,231
2,104
2,436
2,569
1,569
3,495
6,570
16,051
26,536
48,178
45,235
45,308
49,353
50,643
52,367
54,901
55,851
61,394
64,215
70,105
71,973
66,492
190,583
255,559
295,195
370,907
486,018
498,081
518,063
527,068
543,438
558,917
572,145
599,829
614,325
594,010
619,154
619,739
624,428
3,618
8,704
9,075
17,697
17,289
18,387
19,344
18,562
18,809
19,999
19,866
20,785
19,929
21,827
21,784
22,158
21,768
49,031
72,194
99,050
140,989
176,760
174,229
184,240
191,193
196,143
204,064
213,361
265,577
269,595
269,401
283,161
282,640
276,887
5,155
5,632
6,402
22,609
16,451
15,887
17,553
18,877
19,660
21,829
22,701
23,666
23,887
26,091
23,503
23,575
26,564
144,072
235,392
422,148
617,942
765,264
755,550
783,555
791,275
834,504
862,217
891,578
823,401
825,481
875,899
893,587
889,649
910,060
417,282
615,469
886,117
1,256,610
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
2,041,367
2,060,437
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
21
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
JENIS PENGGUNAAN
2005
2006
2007
10,405
15,656
2008
2009
TYPE OF USAGE
Modal Kerja
Nilai (Amount)
7,988
20,554
22,873
Jan
Feb
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
Nov 31,650
Dec 31,855
Working Capital Pangsa (Share)
52.4%
50.9%
56.0%
53.8%
48.8%
50.0%
49.6%
49.4%
49.4%
49.7%
49.9%
49.1%
48.9%
48.7%
48.3%
48.0%
46.7%
Nilai (Amount)
4,288
4,374
5,637
7,907
9,955
9,901
10,337
10,814
10,913
11,136
11,233
11,526
12,043
12,120
12,571
12,948
13,416
Investment Pangsa (Share)
28.1%
21.4%
20.2%
20.7%
21.2%
21.0%
21.3%
21.5%
21.1%
20.9%
20.1%
20.0%
20.0%
19.9%
20.0%
19.6%
19.7%
Nilai (Amount)
2,956
5,666
6,652
9,734
14,058
13,691
14,097
14,595
15,213
15,634
16,721
17,792
18,787
19,162
19,984
21,344
22,910
Consumption Pangsa (Share)
19.4%
27.7%
23.8%
25.5%
30.0%
29.0%
29.1%
29.1%
29.5%
29.4%
30.0%
30.9%
31.2%
31.4%
31.7%
32.4%
33.6%
15,232
20,445
27,944
38,195
46,886
47,140
48,479
50,206
51,651
53,223
55,801
57,633
60,275
60,970
62,995
65,942
68,181
Investasi
Konsumsi
Total
22
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010
JENIS PENGGUNAAN
2005
2006
2007
2008
2009
TYPE OF USAGE
Modal Kerja
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Nilai (Amount)
236,794
357,743
497,472
664,644
767,538
764,030
792,005
816,222
847,657
881,584
907,707
1,016,629
1,032,901
1,068,388
1,066,454
1,102,195
1,106,035
Working Capital Pangsa (Share)
56.75%
58.13%
55.89%
52.89%
48.37%
48.16%
47.89%
48.28%
48.24%
48.51%
48.45%
52.79%
52.86%
53.96%
52.22%
53.99%
53.68%
Investasi
Nilai (Amount)
48,023
78,597
125,320
132,729
186,482
174,201
182,331
186,125
192,567
195,283
197,598
187,827
194,087
202,614
208,574
205,259
213,584
Investment Pangsa (Share)
11.51%
12.77%
14.08%
10.56%
11.75%
10.98%
11.02%
11.01%
10.96%
10.75%
10.55%
9.75%
9.93%
10.23%
10.21%
10.06%
10.37%
Nilai (Amount)
132,466
179,129
267,278
459,237
632,899
648,349
679,539
688,225
717,032
740,494
768,266
721,287
727,192
708,909
767,013
733,913
740,818
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
40.86%
41.09%
40.71%
40.80%
40.75%
41.01%
37.45%
37.21%
35.81%
37.56%
35.95%
35.95%
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
2,041,367
2,060,437
23
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
GOLONGAN PEMBIAYAAN
2005
2006
2007
2008
2009
TYPE OF FINANCING
Usaha Kecil dan Menengah
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
10,196
14,872
19,566
27,063
35,799
36,093
37,631
39,127
40,609
41,697
43,989
45,479
45,227
45,902
49,589
52,002
52,570
5,036
5,573
8,379
11,132
11,087
11,047
10,848
11,079
11,042
11,526
11,812
12,154
15,048
15,068
13,406
13,940
15,611
15,232
20,445
27,944
38,195
46,886
47,140
48,479
50,206
51,651
53,223
55,801
57,633
60,275
60,970
62,995
65,942
68,181
Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises Total
24
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010
GOLONGAN PEMBIAYAAN
2005
2006
2007
2008
2009
TYPE OF FINANCING
Usaha Kecil dan Menengah
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1,109,465
1,141,531
1,128,023
1,115,962
273,212
380,079
575,028
657,359
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
780,235
852,160
813,547
839,974
867,621
903,977
932,020
940,433
870,447
900,511
913,344
944,475
417,284
615,471
890,072
1,256,650
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
2,041,367
2,060,437
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
KOLEKTIBILITAS PEMBIAYAAN
2005
2006
2007
2008
2009
COLLECTIBILITY OF FINANCING Lancar (Performing Financing)
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
14,803
19,474
26,813
36,686
45,004
45,086
46,177
47,932
49,342
50,683
53,631
55,244
57,805
58,563
60,509
63,314
66,120
La nca r (Current)
14,027
18,583
25,494
35,076
41,931
41,329
42,058
44,065
45,505
46,725
49,310
50,812
52,845
54,240
56,237
59,092
63,006
Da l a m Perha tia n Khus us (Special Mention)
776
891
1,319
1,610
3,074
3,757
4,120
3,867
3,837
3,958
4,321
4,433
4,960
4,324
4,271
4,222
3,114
429
971
1,131
1,509
1,882
2,053
1,054
2,275
2,309
2,540
2,170
2,388
2,470
2,406
2,486
2,628
2,061
201
353
321
525
435
621
822
1,067
1,028
1,007
769
947
865
833
1,098
1,230
677
Di ra guka n (Doubtful)
73
236
267
224
582
397
Ma cet (Lost)
155
383
543
759
865
1,036
15,232
20,445
27,944
38,195
46,886
47,140
Non Lancar (Non Performin Financing) Kura ng La nca r (Sub-Standard)
Total Pembiayaan (Total Financing) Percentage of NPFs
2.82%
4.75%
4.05%
3.95%
4.01%
4.36%
232 ` 47,231 2.23%
26
165
259
312
305
244
380
352
328
330
332
1,043
1,022
1,221
1,097
1,197
1,226
1,221
1,060
1,068
1,052
50,206
51,651
53,223
55,801
57,633
60,275
60,970
62,995
65,942
68,181
4.53%
4.47%
4.77%
3.89%
4.14%
4.10%
3.95%
3.95%
3.99%
3.02%
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR) Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) 2010
KOLEKTIBILITAS PEMBIAYAAN
2005
2006
2007
2008
2009
COLLECTIBILITY OF FINANCING
Jul
Aug
Sep
Oct
Nov
Dec
371,781
564,373
820,058
1,151,287
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
1,887,714
1,926,565
45,501
51,096
72,349
105,322
111,612
116,745
123,764
124,599
126,428
129,557
129,698
137,901
140,318
147,142
152,721
153,653
133,872
Kura ng La nca r (Sub-Standard)
12,290
16,267
22,674
35,322
31,049
38,235
43,618
44,420
39,056
39,827
39,847
44,814
42,699
43,875
46,524
45,589
39,185
Di ra guka n (Doubtful)
23,338
19,760
17,090
21,307
30,687
22,475
22,481
24,758
30,631
32,815
29,687
31,905
33,392
34,142
33,630
33,485
29,919
Ma cet (Lost)
9,873
15,069
32,586
48,693
49,877
56,036
57,665
55,421
56,741
56,915
60,164
61,182
64,227
69,125
72,567
74,579
64,767
417,282
615,469
892,407
1,256,610
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
2,041,367
2,060,437
Lancar (Performing Financing) Non Lancar (Non Performin Financing)
Total Pembiayaan (Total Financing) Percentage of NPFs
10.90%
8.30%
8.11%
8.38%
7.03%
Jan
Feb
Mar
Apr
May
Jun
7.36%
7.48%
27
7.37%
7.19%
7.13%
6.92%
7.16%
7.18%
7.43%
7.48%
7.53%
6.50%
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
2010
2009
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
34
40
21
10
64
72
30
43
49
57
61
63
70
70
78
91
61
14
25
80
213
20
20
20
26
25
36
36
60
24
23
30
28
27
82
219
229
289
184
190
179
182
183
186
185
187
188
190
181
183
98
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
23
57
89
140
180
239
276
219
252
307
257
334
336
259
272
283
185
78
205
254
278
436
472
456
468
481
516
317
372
358
360
406
425
338
42
88
119
91
177
182
177
245
303
254
182
176
224
385
348
402
263
68
187
141
297
311
338
602
543
535
662
649
616
656
586
622
630
551
22
40
41
44
59
65
62
65
74
82
73
153
165
83
77
73
55
65
110
157
148
450
475
498
482
406
439
409
425
447
449
471
499
470
429
971
1,131
1,509
1,882
2,053
2,302
2,275
2,309
2,540
2,170
2,388
2,470
2,406
2,486
2,628
2,061
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
28
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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
Pertani a n, kehutana n da n s a ra na pertani a n
2006
2007
2008
2009
2010 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1,472
1,783
3,839
3,741
4,344
5,150
5,023
5,060
5,433
5,586
6,492
5,880
5,994
6,116
6,131
5,058
10
270
1
309
308
248
247
164
177
161
161
151
152
151
151
157
1,377
1,652
2,317
3,090
3,190
2,641
3,384
3,320
3,623
3,722
3,577
3,425
3,796
3,719
3,988
3,036
43
1
214
75
76
52
54
64
40
40
44
47
66
273
187
22
55
158
908
4,526
4,484
4,763
4,810
5,086
5,998
6,261
6,163
6,785
7,024
7,040
7,036
7,907
5,245
26,405
30,305
38,045
39,224
45,737
48,344
52,491
51,173
49,777
50,238
50,837
55,811
57,436
58,757
62,009
60,299
57,125
198
491
705
1,538
1,705
1,949
1,952
2,175
1,695
1,714
1,600
1,738
1,740
2,172
2,540
2,852
2,236
6,269
6,802
8,593
16,421
10,416
12,647
13,544
13,901
14,333
14,506
15,255
14,243
15,251
17,658
17,456
16,925
15,418
551
449
254
676
516
620
1,812
1,583
1,011
1,694
1,486
2,102
1,488
2,460
2,371
2,333
799
8,850
9,988
20,139
36,568
41,539
40,505
41,065
41,971
45,006
45,873
44,848
46,948
47,876
49,049
51,049
52,880
44,776
45,501
51,096
72,349
105,322
111,612
116,745
123,764
124,599
126,428
129,557
129,698
137,901
140,318
147,142
152,721
153,653
133,872
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
JENIS PENGGUNAAN
2005
2006
2007
2008
2009
TYPE OF USAGE
Modal Kerja
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Nilai (Amount)
216
604
647
871
899
1,007
1,223
1,161
1,200
1,392
1,149
1,262
1,256
1,175
1,244
1,264
1,070
Working Capital Pangsa (Share)
50.2%
62.2%
57.2%
57.7%
47.74%
49.0%
53.1%
51.0%
52.0%
54.8%
52.9%
52.8%
50.9%
48.8%
50.0%
48.1%
51.9%
Nilai (Amount)
148
258
326
489
534
572
581
631
703
709
612
701
767
783
772
865
521
Investment Pangsa (Share)
34.6%
26.5%
28.8%
32.4%
28.35%
27.9%
25.2%
27.7%
30.4%
27.9%
28.2%
29.4%
31.0%
32.5%
31.0%
32.9%
25.3%
Nilai (Amount)
65
110
158
148
450
475
498
482
406
439
410
425
447
449
471
499
470
Consumption Pangsa (Share)
15.2%
11.3%
14.0%
9.8%
23.90%
23.1%
21.6%
21.2%
17.6%
17.3%
18.9%
17.8%
18.1%
18.7%
18.9%
19.0%
22.8%
429
971
1,131
1,509
1,882
2,053
2,302
2,275
2,309
2,540
2,170
2,388
2,470
2,406
2,486
2,628
2,061
Investasi
Konsumsi
Total
30
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010
JENIS PENGGUNAAN
2005
2006
2007
2008
2009
TYPE OF USAGE
Modal Kerja
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Nilai (Amount)
34,239
38,716
53,267
75,154
68,821
72,600
76,741
77,282
76,459
79,513
80,041
85,596
85,538
92,904
95,608
97,139
85,730
Working Capital Pangsa (Share)
75.2%
75.8%
73.6%
71.4%
61.7%
62.2%
62.0%
62.0%
60.5%
61.4%
61.7%
62.1%
61.0%
63.1%
62.6%
63.2%
64.0%
Nilai (Amount)
4,454
5,445
6,114
8,890
10,723
9,402
11,711
11,198
12,482
11,676
12,174
12,360
12,525
13,481
13,879
13,970
11,195
Investment Pangsa (Share)
9.8%
10.7%
8.5%
8.4%
9.6%
8.1%
9.5%
9.0%
9.9%
9.0%
9.4%
9.0%
8.9%
9.2%
9.1%
9.1%
8.4%
Nilai (Amount)
6,808
6,936
12,968
21,278
32,068
34,744
35,313
36,119
37,488
38,368
37,483
39,945
42,256
40,756
43,234
42,544
36,947
Consumption Pangsa (Share)
15.0%
13.6%
17.9%
20.2%
28.7%
29.8%
28.5%
29.0%
29.7%
29.6%
28.9%
29.0%
30.1%
27.7%
28.3%
27.7%
27.6%
45,501
51,096
72,349
105,322
111,612
116,745
123,764
124,599
126,428
129,557
129,698
137,901
140,318
147,142
152,721
153,653
133,872
Investasi
Konsumsi
Total
31
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010
GOLONGAN PEMBIAYAAN
2005
2006
2007
2008
2009
TYPE OF FINANCING
Usaha Kecil dan Menengah
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
330
725
798
985
1,611
1,741
1,864
1,619
1,879
2,061
1,720
1,991
2,096
2,040
2,098
2,281
1,824
99
246
333
524
271
312
438
430
430
479
450
398
374
366
388
347
237
429
971
1,131
1,509
1,882
2,053
2,302
2,049
2,309
2,540
2,170
2,388
2,470
2,406
2,486
2,628
2,061
Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises Total
32
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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) 2010
GOLONGAN PEMBIAYAAN
2005
2006
2007
2008
2009
TYPE OF FINANCING
Usaha Kecil dan Menengah
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
45,501
41,108
50,322
69,501
70,160
71,330
80,842
79,687
81,973
84,181
85,620
89,191
91,272
97,629
101,201
99,687
87,831
-
9,988
22,028
35,821
41,453
45,415
42,923
44,912
44,456
45,376
44,078
48,710
49,046
49,513
51,521
53,966
46,040
45,501
51,096
72,349
105,322
111,612
116,745
123,764
124,599
126,428
129,557
129,698
137,901
140,318
147,142
152,721
153,653
133,872
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
2010
2009 4,537,565
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
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
5,705,161
6,053,658
26,100
34,499
42,741
51,123
71,635
71,818
74,350
75,817
66,576
68,179
108,398
69,407
71,674
71,547
72,471
73,373
77,200
1,168,786
1,883,875
2,711,374
3,600,205
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
5,447,304
5,790,058
61,003
74,078
91,714
114,739
150,348
153,615
154,198
157,898
158,358
160,210
164,016
163,194
170,145
196,687
188,858
184,484
186,400
144,699
372,109
512,230
597,208
686,535
700,792
721,334
734,232
744,949
749,059
756,688
771,882
781,859
787,507
798,417
833,791
865,920
Akad Mudharabah (Mudharaba)
15,857
14,967
23,411
30,071
32,609
32,761
33,090
34,300
33,932
34,706
34,968
35,385
36,404
38,124
38,921
40,908
39,844
Akad Musyarakah (Musharaka)
2,396
3,026
6,013
10,949
16,066
16,100
16,523
17,717
18,620
19,055
19,839
20,425
21,205
21,551
22,129
23,071
22,799
119,832
340,824
454,952
498,469
531,952
535,808
545,127
548,038
553,848
555,375
559,204
560,914
563,357
564,627
570,338
585,336
586,706
Pembiayaan (Financing )
Akad Murabahah (Murabaha) Akad Salam (Salam)
-
-
-
-
Akad Istishna (Istishna)
408
387
392
695
Akad Ijarah (ijara) Akad Qardh (Qardh) Total
2005
-
-
-
-
-
-
-
-
-
-
-
-
-
1,346
1,336
1,365
1,366
1,368
1,370
1,335
1,278
1,287
1,292
1,306
1,316
1,335
129
443
1,007
1,912
4,192
4,468
4,747
4,912
5,673
5,925
6,303
6,411
6,713
6,475
6,848
7,177
7,682
6,077
12,462
26,455
55,112
100,370
110,319
120,482
127,899
131,508
132,628
135,039
147,469
152,893
155,438
158,875
175,983
207,554
1,400,588
2,364,561
3,358,059
4,363,275
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
6,538,952
6,919,578
34
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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
2010
2009
Jul
Aug
Sep
Oct
Nov
287,203
339,914
437,464
517,944
485,927
498,060
500,327
507,948
523,479
516,919
519,898
516,855
534,996
552,415
553,204
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
214,866
279,046
329,272
423,550
500,414
467,928
479,827
482,184
489,352
504,600
498,325
501,049
498,294
515,702
532,674
533,401
538,552
6,204
8,157
10,642
13,914
17,530
Jan
Feb
Mar
Apr
May
Jun
17,999
18,233
18,143
18,596
18,879
18,594
18,849
18,561
19,294
19,741
Dec
19,803
558,927
20,375
47,627
70,415
110,415
115,050
131,258
131,811
134,900
134,610
138,302
140,387
142,827
144,957
144,946
145,190
147,897
147,872
148,997
Akad Mudharabah (Mudharaba)
2,079
2,312
2,777
2,446
2,595
2,467
2,302
2,188
2,029
1,933
1,890
1,895
1,865
1,872
1,903
1,864
1,816
Akad Musyarakah (Musharaka)
2,959
3,915
4,633
4,442
4,990
5,134
5,378
5,563
5,740
6,047
6,194
6,305
6,372
6,370
6,156
5,941
5,641
Akad Murabahah (Murabaha)
38,928
58,895
91,121
92,843
105,030
105,429
107,798
107,202
109,624
111,944
113,146
114,374
114,684
115,612
118,154
118,314
119,084
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
3
3
3
3
-
-
-
-
314
310
403
438
768
765
-
773
795
805
809
816
820
821
818
809
783
775
1
2,547
3,991
8,816
11,795
13,712
13,775
14,253
14,482
15,327
14,625
15,461
15,845
15,327
14,426
14,573
14,479
15,061
Akad Ijarah (ijara)
790
991
727
577
903
931
954
981
1,025
1,023
1,019
1,047
1,078
1,060
1,088
1,096
1,080
Multijasa (Multi Purpose Financing)
-
-
1,933
2,504
3,259
3,310
3,441
3,398
3,749
4,003
4,298
4,668
4,799
5,032
5,214
5,395
5,539
450,329
552,514
649,202
617,738
632,960
634,937
646,250
663,866
659,746
664,855
661,801
680,186
700,312
701,076
707,924
268,697
357,618
35
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dana Pihak Ketiga (Depositor Funds) 1
Giro iB (Demand Deposits)
1.16%
1.27%
1.07%
1.18%
0.96%
0.92%
0.90%
0.98%
0.92%
0.99%
1.20%
0.97%
0.94%
0.96%
1.37%
1.13%
1.20%
2
Tabungan iB (Saving Deposits)
3.96%
3.72%
3.32%
3.61%
2.76%
2.50%
2.43%
2.85%
2.54%
2.68%
2.64%
2.65%
2.51%
2.94%
3.01%
3.29%
3.06%
3
Deposito iB (Time Deposits) a
1 Bulan (1 month)
7.86%
8.96%
7.63%
8.22%
6.92%
5.31%
6.54%
6.77%
6.60%
6.37%
6.63%
6.91%
6.69%
6.59%
6.66%
6.51%
6.90%
b
3 Bulan (3 months)
8.03%
9.81%
7.93%
9.10%
7.25%
6.07%
6.86%
7.09%
6.88%
6.81%
6.67%
6.85%
7.03%
6.86%
7.14%
6.28%
6.68%
c
6 Bulan (6 months)
8.82%
9.57%
8.25%
8.67%
8.44%
6.15%
6.64%
7.72%
7.66%
6.76%
7.31%
7.04%
7.31%
6.96%
7.13%
6.67%
7.15%
d
12 Bulan (12 months)
9.35%
9.99%
8.34%
8.34%
9.06%
7.68%
7.51%
8.64%
8.31%
7.49%
6.89%
7.00%
8.39%
7.26%
6.71%
7.31%
7.32%
e
> 12 Bulan (> 12 months)
7.83% 10.04%
7.17%
8.63%
8.63%
8.53%
8.05%
7.15%
6.91%
8.10%
9.65%
6.03%
6.15%
6.58%
15.92%
5.95%
9.65%
Pembiayaan (Financing) 1
Akad Mudharabah (Mudharaba)
12.75% 13.73% 16.93%
19.38% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53%
17.60% 17.59% 17.27%
17.03%
17.31%
17.25%
17.39%
2
Akad Musyarakah (Musharaka)
8.46% 10.25% 11.23%
11.37% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30%
11.39% 11.04% 10.92%
10.95%
11.52%
11.67%
14.52%
3
Akad Murabahah (Murabaha)
13.05% 12.09% 14.66%
14.92% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69%
73.30% 15.77% 15.51%
15.49%
15.61%
15.53%
15.30%
4
Akad Salam (Salam)
-
-
-
-
-
5
Akad iIstishna (Istishna)
13.08% 13.90% 14.00%
13.86%
14.16%
14.18%
13.37%
6
Akad Ijarah (ijara)
0.59%
0.66%
0.16%
0.88%
0.76%
0.75%
0.75%
0.74%
0.66%
0.64% 121.08%
0.50%
0.48%
0.48%
0.48%
0.48%
0.46%
7
Akad Qardh (Qardh)
5.25%
5.33%
2.89%
3.42%
4.34%
4.34%
4.34%
4.24%
4.29%
4.15%
3.98%
3.84%
3.98%
4.04%
4.10%
3.89%
-
-
-
13.80% 13.46% 14.30%
-
-
-
-
-
-
-
14.99% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18%
36
-
4.11%
-
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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 ) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
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%
5.36%
4.03%
4.28%
6.07%
5.97%
6.04%
6.01%
5.80%
5.49%
5.77%
4.33%
4.40%
a
1 Bulan (1 month)
8.79% 12.73% 10.64%
10.47% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53%
11.30% 11.30% 11.64%
11.46%
11.49%
11.43%
13.57%
b
3 Bulan (3 months)
10.60% 12.44% 11.65%
13.16% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47%
11.48% 11.23% 11.17%
11.08%
11.24%
11.31%
11.78%
c
6 Bulan (6 months)
12.98% 13.68% 12.14%
13.74% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07%
13.43% 12.89% 13.27%
12.90%
13.20%
13.35%
13.39%
d
12 Bulan (12 months)
9.27% 12.58% 12.31%
13.09% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00%
12.07% 11.92% 11.91%
11.74%
11.99%
11.57%
11.61%
e
> 12 Bulan (> 12 months)
13.54% 14.48% 11.52%
13.03% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00%
11.92% 12.02% 12.12%
12.12%
13.14%
13.06%
12.82%
Pembiayaan (Financing) 1
Akad Mudharabah (Mudharaba)
21.28% 18.16% 21.28%
18.49% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42%
17.59% 18.23% 17.98%
18.86%
20.02%
18.81%
19.70%
2
Akad Musyarakah (Musharaka)
20.96% 23.15% 20.77%
23.28% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96%
14.97% 16.01% 15.84%
16.23%
16.39%
15.16%
20.78%
3
Akad Murabahah (Murabaha)
17.88% 18.72% 20.30%
19.56% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57%
19.60% 19.49% 19.62%
19.71%
19.69%
20.15%
20.07%
4
Akad Salam (Salam)
5
Akad iIstishna (Istishna)
6
Akad Ijarah (ijara)
7 8
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
18.45% 20.01%
7.43%
7.39%
7.35%
7.39%
7.29%
7.28%
7.11%
7.17%
7.27%
7.53%
7.71%
7.93%
8.20%
7.75%
8.49%
0.84%
0.54%
0.21%
0.11%
0.10%
0.09%
0.11%
0.19%
0.08%
0.08%
0.09%
0.07%
0.07%
0.06%
0.06%
0.10%
0.07%
Akad Qardh (Qardh)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Multijasa (Multi Purpose Financing)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
37
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit) 2010 Rasio (Ratio)
2005
2006
2007
2008
2009 Jan
1)
1
CAR
2
ROA
3
ROE 1)
4
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
12.41%
13.73%
10.67%
12.81%
10.77%
11.26%
11.43%
11.07%
12.12%
12.31%
12.89%
14.66%
14.23%
14.58%
15.74%
15.40%
16.25%
1.35%
1.55%
2.07%
1.42%
1.48%
1.65%
1.76%
2.13%
2.06%
1.25%
1.66%
1.67%
1.63%
1.77%
1.79%
1.83%
1.67%
27.58%
28.45%
40.38%
38.79%
26.09%
20.51%
23.95%
32.02%
27.97%
25.07%
21.41%
21.24%
20.13%
21.92%
24.30%
20.91%
17.58%
NPF
2.82%
4.75%
4.05%
1.42%
4.01%
4.36%
4.75%
4.53%
4.47%
4.77%
3.89%
4.14%
4.10%
3.95%
3.95%
3.99%
3.02%
5
FDR
97.75%
98.90%
99.76%
103.65%
89.70%
88.67%
90.96%
95.07%
95.57%
96.65%
96.08%
95.32%
98.86%
95.40%
94.76%
95.45%
89.67%
6
BOPO
78.91%
76.77%
76.54%
81.75%
84.39%
84.87%
79.73%
76.27%
77.15%
85.79%
79.99%
79.77%
80.36%
79.10%
78.94%
77.70%
80.54%
1)
Hanya data Bank Umum Syariah (Islamic Commercial Bank only)
38
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank) 2010 Rasio (Ratio)
2005
2006
na
na
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1
CAR
34.72%
30.28%
29.98%
30.80%
33.25%
31.35%
30.70%
29.60%
29.64%
29.20%
27.17%
29.10%
26.25%
28.70%
27.46%
2
ROA
4.05%
3.79%
3.21%
2.76%
5.00%
3.55%
3.48%
3.57%
3.67%
3.97%
3.71%
3.68%
3.52%
3.47%
3.61%
3.59%
3.49%
3
ROE
11.21%
9.82%
11.21%
14.77%
21.55%
11.65%
11.29%
12.20%
13.20%
15.33%
14.07%
14.08%
13.14%
13.17%
14.50%
14.58%
14.29%
4
NPF
10.90%
8.30%
8.11%
8.38%
7.03%
7.36%
7.48%
7.37%
7.19%
7.13%
6.92%
7.16%
7.18%
7.43%
7.48%
7.53%
6.50%
5
FDR
122.41%
118.10%
124.08%
128.78%
126.89%
123.61%
126.23%
129.05%
130.51%
131.17%
135.20%
135.74%
139.96%
135.82%
133.36%
134.50%
128.47%
6
BOPO
70.63%
77.33%
76.58%
80.85%
64.69%
76.30%
76.78%
76.18%
75.35%
75.34%
75.20%
75.61%
76.49%
76.93%
77.18%
76.24%
78.08%
39
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
satuan (in unit) Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) 2010
Total Aset (Rp) 2005
2006
2007
2008
2009
Total Assets (in IDR)
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
< 1 Mi l i a r (< 1 Billion)
11
7
13
7
8
10
10
10
11
6
6
6
6
5
5
9
7
1 s .d. 5 Mi l i a r (1 up to 5 Billion)
51
57
46
50
38
35
35
39
37
42
39
39
39
40
36
34
29
> 5 s .d. 10 Mi l i a r (>5 up to 10 Billion)
17
22
24
34
40
41
39
34
36
35
40
38
38
36
37
34
43
> 10 Mi l i a r (> 10 Billion)
13
19
31
40
52
54
58
60
60
61
60
63
63
65
70
72
71
Total
92
105
114
131
138
140
142
143
144
144
145
146
146
146
148
149
150
40
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Miliar Rupiah (in Billion IDR) Tabel 41. Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1 hari (Overnight)
na
276
542
2,259
700
373
536
903
638
487
491
107
350
2,226
4,775
1,156
526
2-6 hari (2 up to 6 days)
na
334
66
450
890
347
1,146
801
773
581
488
190
764
190
355
817
210
7 hari (7 days)
na
106
304
961
129
340
738
1,088
698
411
480
409
1,060
86
160
283
283
8-26 hari (8 up to 26 days)
na
74
193
148
682
510
654
435
429
570
460
600
720
767
400
810
500
27-30 hari (27 up to 30 days)
na
-
64
-
470
-
-
20
2
-
129
72
100
125
40
40
-
>30 hari (> 30 days)
na
5
10
18
-
-
372
-
-
5
20
-
-
20
-
60
-
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
41
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) 2010 2005
2006
2007
2008
2009 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
1 hari (Overnight)
na
5.92%
6.59%
9.54%
6.01%
6.15%
5.93%
6.00%
5.96%
6.00%
5.94%
6.17%
6.10%
5.67%
5.44%
5.66%
5.65%
2-6 hari (2 up to 6 days)
na
7.80%
6.58%
9.97%
6.13%
6.10%
6.05%
5.98%
6.01%
6.09%
6.07%
6.21%
6.13%
6.11%
5.76%
5.65%
5.82%
7 hari (7 days)
na
8.18%
6.66%
10.30%
6.33%
6.27%
5.81%
5.96%
6.01%
6.07%
6.16%
6.22%
6.29%
6.16%
6.03%
5.95%
6.00%
8-26 hari (8 up to 26 days)
na
8.60%
6.48%
10.65%
6.55%
6.78%
6.54%
5.92%
6.17%
6.48%
6.44%
6.45%
6.38%
6.20%
6.26%
6.10%
5.96%
27-30 hari (27 up to 30 days)
na
-
7.18%
-
6.65%
-
-
6.60%
5.80%
-
6.42%
6.36%
6.35%
6.35%
6.05%
6.35%
-
>30 hari (> 30 days)
na
6.90%
-
10.75%
6.92%
-
-
6.27%
-
-
7.00%
6.50%
-
-
6.60%
-
6.17%
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
42
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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 Pembiayaan (Financing) (Gross Assets) 2,784 1,617 5,176 3,497 2,556 1,469 2,619 1,566 198 135 744 712 323 311 3,200 1,589 1,007 852 1,125 922 79,429 26,900 14,252 8,029 4,048 2,086 6,152 4,170 2,373 868 8,224 5,627 325 298 1,350 720 174 106 2,833 1,590 2,691 1,156 305 240 179 168 60 53 437 390 306 187 1,977 1,672 93 28 144 87 729 556 81 75 104 89 366 272 857 145
43
Dana Pihak Ketiga (Depositor Funds) 1,382 2,800 1,288 1,454 126 381 195 1,534 593 663 34,889 9,328 3,007 3,391 1,229 5,749 254 717 115 1,895 1,211 125 140 34 285 248 1,159 71 110 420 60 97 239 847
FDR
NPF
117.07% 124.88% 114.06% 107.66% 107.48% 186.85% 159.46% 103.57% 143.53% 139.13% 77.10% 86.07% 69.38% 122.96% 70.61% 97.89% 117.24% 100.50% 92.14% 83.92% 95.45% 191.45% 119.79% 156.64% 136.67% 75.26% 144.30% 39.18% 79.28% 132.33% 124.12% 91.92% 113.80% 17.10%
1.94% 4.87% 1.17% 2.00% 0.06% 3.86% 1.38% 2.83% 2.06% 1.68% 3.37% 2.88% 2.21% 2.14% 3.83% 0.99% 0.13% 0.58% 0.86% 2.41% 1.94% 15.41% 4.44% 0.00% 0.50% 1.52% 3.83% 1.55% 0.94% 0.68% 0.00% 2.36% 0.10% 0.00%
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 75,685 80,197 93,889 7,245 175,434 54,933 53,405 14,143 86,825 24,074 786,597 294,726 225,516 126,520 421,349 6,454 11,810 23,212 103,667 71,692 1,371
Pembiayaan (Financing) 49,296 55,735 72,258 4,072 118,710 46,360 40,454 12,349 58,150 18,397 623,344 217,888 159,991 84,811 321,723 6,077 7,258 13,854 77,635 43,632 842
44
Dana Pihak Ketiga (Depositor Funds) 36,384 52,452 66,365 3,902 135,251 34,635 23,219 6,018 36,439 4,157 445,461 202,424 137,560 93,650 209,279 5,343 5,575 15,528 49,143 40,379 614
FDR
NPF 135.49% 106.26% 108.88% 104.35% 87.77% 133.85% 174.23% 205.20% 159.58% 442.52% 139.93% 107.64% 116.31% 90.56% 153.73% 113.72% 130.17% 89.22% 157.98% 108.06% 137.29%
12.21% 6.11% 2.78% 4.37% 8.09% 3.91% 4.70% 4.76% 2.35% 3.42% 4.98% 10.91% 6.11% 5.93% 7.33% 11.90% 26.72% 18.15% 8.01% 3.85% 10.06%
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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
8
-
7
1
86
213
6
323
37
936
Suma tera Uta ra
551
3
28
13
237
782
27
692
123
1,041
Suma tera Ba ra t
28
2
10
-
5
230
7
337
57
794
Suma tera Sel a ta n
79
0
4
1
114
285
2
365
42
671
1
0
-
14
-
3
-
12
29
75
34
4
0
-
6
155
0
191
20
302
DI Aceh
Ba ngka Bel i tung Ja mbi Bengkul u Ri a u
69
-
-
-
0
59
5
86
11
81
248
-
5
1
156
178
70
334
18
580 501
2
0
6
-
2
66
20
243
12
44
1
13
6
3
140
3
448
44
219
DKI Ja ka rta
414
927
1,148
1,242
2,522
2,450
2,948
8,637
817
5,754
Ja wa Ba ra t
14
7
216
19
387
712
194
2,486
571
3,424
Ba nten
31
15
108
1
32
130
8
862
145
795
Ja wa Tenga h
15
49
618
6
81
752
18
971
226
1,435
Kepul a ua n Ri a u La mpung
DI Yogya ka rta Ja wa Ti mur
2
0
27
18
4
159
3
261
41
353
78
8
109
16
249
295
46
1,581
430
2,814
-
-
-
-
-
31
-
3
99
164
11
0
2
-
37
90
131
103
8
338
1
-
-
-
-
1
28
42
4
31
14
5
21
-
90
195
44
663
69
489
Ka l i ma nta n Sel a ta n
3
72
5
0
26
57
124
487
49
333
Sul a wes i Uta ra
-
-
0
0
10
77
0
132
-
21
Goronta l o
0
-
3
-
3
49
2
5
73
34
23
-
0
-
-
5
0
5
2
21
Sul a wes i Tenga h
5
1
0
1
7
49
1
117
4
204
Sul a wes i Tengga ra
-
12
0
-
-
25
0
109
-
41
Sul a wes i Sel a ta n
2
0
4
-
14
125
2
566
18
938
Ma l uku
-
-
-
-
-
0
0
6
-
22
Ma l uku Uta ra
-
-
-
-
-
-
-
12
13
63
NTB
2
9
4
0
72
67
0
64
3
335
NTT
-
2
-
-
38
2
1
13
3
15
Iri a n Ja ya Ba ra t
-
-
-
-
3
34
-
27
4
21
83
-
-
-
9
67
2
51
5
55
0
0
-
14
-
128
1
-
1
-
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
Sul a wes i Ba ra t
Pa pua
Luar Indonesia
45
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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
1,262 2,319 4,206 261 5,724 18,208 1,161 344 4,808 35,445 264 9,929 1,235 18,299 6 175 856 1,939 675 14
3 100 71 287 42 222 181 -
1,213 1,069 497 478 143 604 1,314 487 7,453 1,249 2,877 1,804 3,391 1,177 19 853 7 -
3 47 143 157 884 84 236 12 3 -
725 1,255 1,383 6,669 868 140 52 8,610 5,942 25,757 2,209 2,364 7,222 3,296 -
46
32,071 14,449 37,576 652 56,936 15,510 8,440 3,316 7,227 2,133 132,245 100,103 48,238 21,857 88,872 3,666 2,249 3,210 11,617 33,776 288
116 359 1,395 42 1,170 64 1,551 95 46 9,733 408 2,725 121 1,906 3 1,664 6 365 -
3,504 5,411 4,957 220 21,816 322 8,090 1,043 2,349 4,006 72,324 75,997 12,219 24,065 29,361 225 238 6,658 1,067 2,959 57
1,198 419 1,670 70 99 39 427 158 338 11,507 4,469 2,845 1,173 1,452 7 15 677 -
9,201 30,408 20,332 2,349 25,925 10,746 19,935 7,393 42,844 12,258 347,810 51,910 55,751 32,121 176,665 994 4,577 1,464 55,017 1,877 483
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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
576 1,609 531 651 16 320 215 589 213 604 13,820 3,738 1,038 2,274 403 2,116 120 205 39 605 454 216 103 30 167 82 626 6 25 116 31 39 133 144
105 847 144 243 43 90 15 418 136 99 7,316 868 257 461 112 696 14 178 36 496 368 4 31 5 18 63 105 1 105 29 30 83 1
937 1,041 794 671 75 302 81 581 503 219 5,764 3,424 791 1,435 353 2,814 164 338 31 489 333 21 34 17 204 41 941 22 63 335 15 21 55 -
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
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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 38,363 4,438 6,496 Suma tera Uta ra 24,052 2,183 29,499 Suma tera Ba ra t 42,030 11,792 18,436 Suma tera Sel a ta n 1,143 580 2,349 Ba ngka Bel i tung 99,890 7,971 10,849 Ja mbi Bengkul u 33,421 7,097 5,842 Ri a u 17,577 6,886 16,595 Kepul a ua n Ri a u 2,913 2,355 7,080 La mpung 13,149 11,061 33,940 DKI Ja ka rta 17,101 73 1,222 Ja wa Ba ra t 262,865 53,300 310,132 Ba nten 165,967 35,490 38,927 Ja wa Tenga h 85,186 29,794 45,667 DI Yogya ka rta 49,913 7,499 27,408 Ja wa Ti mur 140,712 20,874 160,918 Ba l i 3,611 1,717 749 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 2,755 2 4,500 Ka l i ma nta n Sel a ta n 12,514 2 1,338 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 59,039 2,099 16,597 Ma l uku Ma l uku Uta ra NTB 33,532 8,311 1,790 NTT Iri a n Ja ya Ba ra t Pa pua 302 57 483
48
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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
1,256 2,501 1,147 758 19 704 293 1,350 736 735 21,667 5,754 1,246 3,284 596 4,672 235 508 88 1,469 960 202 161 25 210 43 1,200 20 11 367 58 33 257 9
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
361 997 322 808 116 8 18 239 115 187 5,233 2,276 840 885 272 955 63 212 18 121 196 39 7 28 180 144 472 8 77 189 17 56 15 136
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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 32,102 17,194 Suma tera Utara 20,949 34,786 Suma tera Ba ra t 51,626 20,632 Suma tera Sel a tan 1,723 2,349 Ba ngka Bel i tung 107,854 10,856 Ja mbi Bengkul u 33,431 12,930 Ri a u 15,212 25,846 Kepul a ua n Ri a u 5,268 7,080 La mpung 17,664 40,486 DKI Ja ka rta 17,144 1,252 Ja wa Ba ra t 262,474 363,825 Ba nten 170,306 70,077 Ja wa Tenga h 108,825 51,822 DI Yogya ka rta 39,623 45,198 Ja wa Ti mur 150,048 172,455 Ba l i 5,328 749 Ka l i ma ntan Ba ra t Ka l i ma ntan Tenga h Ka l i ma ntan Ti mur 2,433 4,825 Ka l i ma ntan Sel a tan 12,516 1,338 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 23,891 53,844 Ma l uku Ma l uku Utara NTB 37,186 6,447 NTT Iri a n Ja ya Ba ra t Pa pua 359 483
50
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 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
Ka l i ma nta n Te nga h
Sul a we s i Te nga h Sul a we s i Se l a ta n
Sul a we s i Ba ra t Sul a we s i Uta ra
Kota/Kabupaten (City/District) 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. Pa ti 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 Bl i ta r 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. De l i Se rda ng Ka b. La buha n Ba tu Kodya Te bi ng Ti nggi Kodya Bi nja i 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 Lubukl i ngga u Koti f Pra bumul i h Koti f Ba tura ja 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 Ka b. Ta ba l ong Kodya Ba nja rma s i n Ka b. Sa mba s Ka b. Ke ta pa ng Kodya Ponti a na k
Pembiayaan (Financing)
Dana Pihak Ketiga (Depositor Funds)
648 356 552 530 801 177 113 96 5 15 21 2,904 1,031 164 829 437 102 349 985 15,589 1,131 786 7,683 1,711 7 861 174 3 108 320 31 1,339 541 49 1,564 41 177 104 104 83 362 79 2,948 1,065 671 34 311 712 973 288 190 166 9 205 97 327 497 39 27 1,932 365 340 882 247 86 1,316 187 260 592 1,296 37 87 145 135 167 754 77 67 1,011 25 695
FDR
1,047 337 785 837 1,373 136 189 70 15 1 4 3,561 1,293 112 494 246 99 466 1,271 16,726 1,586 686 13,215 2,675 44 1,185 65 2 58 202 34 1,406 452 24 1,139 9 104 164 143 44 248 64 3,183 800 0 982 17 195 381 1,042 149 101 89 10 113 100 117 161 71 16 1,895 318 295 899 93 140 1,210 184 256 337 1,328 17 38 71 126 81 582 116 69 0 1,025 1 69 646
61.84% 105.56% 70.36% 63.31% 58.30% 129.93% 60.04% 136.30% 31.66% 2075.27% 575.24% 81.56% 79.77% 147.40% 167.59% 178.14% 103.37% 74.99% 77.47% 93.20% 71.33% 114.48% 58.14% 63.96% 16.81% 72.60% 266.15% 165.27% 186.98% 158.27% 90.57% 95.20% 119.58% 205.14% 137.36% 470.38% 170.87% 63.01% 72.36% 188.40% 146.10% 124.02% 92.64% 133.05% 0.00% 68.38% 200.73% 159.46% 186.85% 93.39% 192.55% 188.92% 186.46% 81.85% 180.76% 97.00% 279.63% 309.31% 54.74% 171.11% 101.99% 114.78% 115.15% 98.10% 264.47% 61.32% 108.80% 101.40% 101.49% 175.43% 97.64% 223.26% 225.81% 203.21% 107.48% 206.58% 129.73% 66.55% 97.27% 0.00% 98.61% 0.00% 36.14% 107.55% 101.83%
Ka b. Kuta i
166
163
Kodya Sa ma ri nda
750
1,102
68.05%
8 666 106 390 35 1,581 55 53 240
0 0 630 115 285 23 1,115 21 34 125
3555.32% 0.00% 105.80% 92.34% 136.67% 153.34% 141.85% 264.80% 156.64% 191.45%
Ka b. Pa s i r Ka b. Kota wa ri ngi n Ba ra t Kodya Ba l i kpa pa n Kodya Pa l a ngka ra ya 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
Goronta l o Sul a we s i Te ngga ra Nus a Te ngga ra Ba ra t
Kodya Goronta l o Kodya Ke nda ri Ka b. Lombok Ba ra t Ka b. Lombok Ti mur Kodya Ma ta ra m
168 187 13 80 463
140 248 1 30 389
119.79% 75.26% 2002.28% 265.04% 118.95%
Ba l i
Ka b. Ba dung Kodya De npa s a r Kodya Kupa ng Kodya Ambon Ka b. Sorong Kodya Sorong Kodya Ja ya pura Koti f Te rna te Di Lua r I ndone s i a
32 266 75 28 84 5 272 87 145
5 249 60 71 89 7 239 110 847
622.31% 106.74% 124.12% 39.18% 94.49% 60.94% 113.80% 79.28% 17.10%
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 Lua r I ndone s i a
51
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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) 100,000,000 90,000,000
80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000
20,000,000 10,000,000 0 Dec-09
Jan-10
Feb-10
Mar-10 Aset (Assets)
Apr-10
May-10
Jun-10
Dana Pihak Ketiga (Depositor Funds)
52
Jul-10
Aug-10
Sep-10
Pembiayaan yang Diberikan (Financing)
Oct-10
Nov-10
Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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 Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
Aset (Assets)
May-10
Jun-10
Dana Pihak Ketiga (Depositor Funds)
53
Jul-10
Aug-10
Sep-10
Oct-10
Pembiayaan Yang Diberikan (Financing)
Nov-10
Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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%
86.00%
10.00%
84.00%
5.00% 0.00%
82.00% Dec-09
Jan-10
Feb-10
Mar-10
% Aset (Assets Growth)
Apr-10
May-10
Jun-10
% DPK (Dep. Funds Growth)
Jul-10
Aug-10
% PYD (Financing Growth)
54
Sep-10
Oct-10 FDR (Right Axis)
Nov-10
Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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% Dec-09
Jan-10
Feb-10
Mar-10
% Aset (Assets Growth)
Apr-10
May-10
Jun-10
% DPK (Dep. Funds Growth)
55
Jul-10
Aug-10
% PYD (Financing Growth)
Sep-10
Oct-10 FDR (Right Axis)
Nov-10
Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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%
Desember 2010 (December2010)
56
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank) Modal (Capital) 14.8%
Kewajiban Lainnya (Other Liabilities) 0.7%
Pinjaman yang Diterima (Received Borrowing) 3.8%
Dana Pihak Ketiga (Depositor Funds) 64.3%
Kewajiban Kepada Bank Lain (Liabilities to other bank) 16.3%
Desember 2010 (December2010)
57
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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%
Desember 2010 (December2010)
58
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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%
Desember 2010 (December2010)
59
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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)
70.00 65.00
10% Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
9%
60.00 55.00
8%
50.00
7%
45.00 6%
40.00 35.00
5%
30.00
4%
25.00 20.00
3%
15.00
2%
10.00
1%
5.00 0.00
0%
Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10
60
Jul-10
Aug-10 Sep-10 Oct-10 Nov-10 Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
Juta Rupiah (in Million IDR)
Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF - Islamic Rural Bank) 15%
2,200,000.00 Pembiayaan Yang Diberikan (Financing)
NPF (percentage)
2,000,000.00
13%
1,800,000.00 11% 1,600,000.00
9%
1,400,000.00 1,200,000.00
7%
1,000,000.00
5%
800,000.00
600,000.00
3%
400,000.00 1%
200,000.00 0.00
-1%
Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10
61
Statistik Perbankan Syariah (Islamic Banking Statistics), December 2010
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%
Dec-09
Jan-10
Feb-10
Mar-10
ROA (Left Axis)
Apr-10
May-10
Jun-10
Jul-10
ROE (Islamic Commercial Bank only - Right Axis)
62
Aug-10
Sep-10
BOPO (Right Axis)
Oct-10
Nov-10
Dec-10
Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010
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% Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10 ROA (Left Axis)
Jun-10 ROE (Right Axis)
63
Jul-10
Aug-10 BOPO (Right Axis)
Sep-10
Oct-10
Nov-10
Dec-10
