Statistik Perbankan Syariah. (Islamic Banking Statistics)

Statistik Perbankan Syariah (Islamic Banking Statistics)

i

Statistik

Perbankan

Syariah

The Islamic Banking Statistics is a

(SPS)

media publication that provides information

merupakan media publikasi yang menyediakan

regarding the Islamic Banking Industry in

informasi mengenai data perbankan syariah di

Indonesia.

Indonesia. Statistik ini diterbitkan setiap bulan

kebutuhan

dan

disusun

intern

Bank

untuk

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

perbankan syariah beserta perkembangannya.

we suggest that the readers go through the

Guna memberikan pemahaman yang

clarification, abbreviations and glossary.

tepat terhadap data yang disajikan, kami agar

pembaca

terlebih

is

the stakeholders.

dan

kebutuhan pihak ekstern mengenai kegiatan

sarankan

publication

Bank Indonesia, to accomodate the needs of

memenuhi

Indonesia

monthly

published by the Directorate of Islamic Banking,

oleh Direktorat Perbankan Syariah - Bank Indonesia

This

We hope that this publication gives

dahulu

benefit to our readers.

memahami penjelasan, singkatan serta daftar

For questions or suggestions, kindly send email

istilah yang ada.

to: [email protected]

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

Directorate of Islamic Banking

[email protected]

BANK INDONESIA

Direktorat Perbankan Syariah BANK INDONESIA

i i

Statistik Perbankan Syariah (Islamic Banking Statistics), December 2009

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 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) ............................................................................. Tab. 3 Layanan Syariah (Office Channeling) ................................................................................ Tab. 4 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... Tab. 5 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ Tab. 6 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) .................................................................................................................. Tab. 7 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) ................. Tab. 8 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement)................................................................................. Tab. 9 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. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank)................................................ Tab. 11 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) ............................. Tab. 12 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) ......................................................................................................... Tab. 13 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)....... Tab. 14 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) .............................. Tab. 15 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ......... Tab. 16 Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) ................................................................................ Tab. 17 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ............................................................................................................ Tab. 18 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) ……………………………………...

ii

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

9 10 11 12 13 14 15 16

17 18


Page Tab. 19

Tab. 20 Tab. 21

Tab. 22 Tab. 23

Tab. 24 Tab. 25

Tab. 26

Tab. 27

Tab. 28

Tab. 29

Tab. 30

Tab. 31 Tab. 32 Tab. 33

Tab. 34 Tab. 35 Tab. 36 Tab. 37 Tab. 38

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)........................................................ 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)….

iii

19 20

21 22

23 24

25

26

27

28

29

30 31 32

33 34 35 36 37 38


Tab. 39 Tab. 40

Tab. 41

Tab. 42

Tab. 43

Tab. 44

Tab. 45 Tab. 46

Tab. 47

Grafik 1 Grafik 2 Grafik 3

Grafik 4 Graph 5 Grafik 6 Graph 7 Grafik 8 Grafik 9 Grafik 10

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).................................................................................................... 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).. 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).................................................................................................

iv

Page 39

40

41

42

43

44 45 46

47 48 49

50 51 52 53 54 55 56 57


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 2009 Islamic

Desember 2009 dilakukan pada tanggal 22

Banking Statistics is on January 22, 2010. 4.

Januari 2010.

Monthly Report

is submitted

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

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

v

by


DAFTAR SINGKATAN

ABBREVIATIONS

UUS

:

Unit Usaha Syariah

BUS

:

Bank Umum Syariah

BPRS

:

Bank Pembiayaan Rakyat Syariah

BUS

:

Islamic Commercial Bank

PT

:

Perseroan Terbatas

BPRS

:

Islamic Rural Bank

BPD

:

Bank Pembangunan Daerah

PT

:

Limited Liabilities Company

SWBI

:

Sertifikat Wadiah Bank Indonesia

BPD

:

Regional Government Bank

SBIS

:

Sertifikat Bank Indonesia Syariah

SWBI

:

Wadiah Islamic Certificate of Bank

UKM

:

Usaha Kecil dan Menengah

PPAP

:

Penyisihan Penghapusan Aktiva

UUS

:

Conventional Bank

Indonesia SBIS

:

FDR

NPF

ROA

: :

:

:

Pasar Uang Antar Bank berdasarkan

UKM

:

Small and Medium Scale Enterprise

prinsip Syariah

PPAP

:

Allowances for Earning Assets Losses

Financing to Deposit Ratio, yaitu rasio pembiayaan terhadap dana

PUAS

:

Interbank Islamic Money Market

pihak ketiga

FDR

:

Financing to Deposit Ratio

Non Performing Financing, yaitu

NPF

:

Non Performing Financing

rasio pembiayaan bermasalah

ROA

:

Return on Assets, that is the ratio of

terhadap total pembiayan

annualized earnings before taxes to

Return on Assets, yaitu rasio laba

average assets

sebelum pajak (disetahunkan)

ROE

:

ROE

:

annualized earnings after taxes to

Return on Equity, yaitu rasio laba

average equity BOPO

:

terhadap total modal rata-rata

:

Return on Equity, that is the ratio of

terhadap total asset rata-rata

setelah pajak (disetahunkan)

BOPO

Islamic Certificate of Bank Indonesia

Produktif PUAS

Islamic Business Unit of a

to Operational Revenue

Rasio Biaya Operasional terhadap Pendapatan Operasional

DPK

:

Dana Pihak Ketiga

PYD

:

Pembiayaan yang Diberikan

The ratio of Operational Expenses

vi

DPK

:

Depositor Funds

PYD

:

Financing

IDR

:

Indonesian Rupiah


DAFTAR ISTILAH

GLOSARY Akad Wadiah Wadiah Contract

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

Akad Mudharabah Mudharaba Contract

: Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul maal) kepada pengelola dana (mudharib) untuk melakukan kegiatan usaha tertentu yang sesuai syariah, dengan pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang telah disepakati sebelumnya. A contract between a capital provider and an entrepreneur or a fund manager, whereby the entrepreneur or fund manager can mobilize the funds of the former for its business activity within the Sharia guidelines. Profits made are shared between the parties according to a mutually agreed ratio.

Akad Musyarakah Musharaka Contract

: Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik dana dan/atau barang untuk menjalankan usaha tertentu sesuai syariah dengan pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang disepakati, sedangkan pembagian kerugian berdasarkan proporsi modal masing-masing. A contract between two parties whereby both parties provide capital and both may be active in managing the venture. Losses are shared on the basis of how much capital has been contributed. Profits are shared in any way the partners decide.

Akad Murabahah Murabaha Contract

: Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar harga perolehan barang ditambah dengan margin yang disepakati oleh para pihak, dimana penjual menginformasikan terlebih dahulu harga perolehan kepada pembeli. The sale of goods at a price, which includes a profit margin agreed to by both parties. The purchase and selling price, other costs, and the profit margin must be clearly stated by the seller at the time of the sale agreement.

vii


Akad Salam Salam Contract

: Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara pemesanan dengan syarat-syarat tertentu dan pembayaran tunai terlebih dahulu secara penuh. A contract in which the seller undertakes to supply some specific goods to the buyer on a future date at a mutually agreed price fully paid at the time of contract.

Akad Istishna’ Istishna’ Contract

: Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk pemesanan pembuatan barang dengan criteria dan persyaratan tertentu

yang

disepakati

dengan

pembayaran

sesuai

dengan

kesepakatan. A contract in which the seller undertakes to supply some specific goods to the buyer on a future date at a mutually agreed price and method of

: payment. Akad Ijarah Ijara Contract

Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan hak pakai atas obyek sewa dengan penyewa untuk mendapatkan imbalan atas obyek sewa yang disewakan.

: The selling of benefit or use or service for a fixed price or wage. Akad Qardh

Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa

Qardh Contract

imbalan dengan kewajiban pihak peminjam mengembalikan pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu. A loan in which the debtor is only required to repay the amount borrowed.

Ekuivalen tingkat imbalan/

Indikasi

bagi hasil/fee/bonus

penghimpunan dana bank pelapor.

Equivalent rate of

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

return/profit

the reporting bank.

tingkat

imbalan

sharing/fee/bonus

viii

dari

suatu

penanaman

dana

atau


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

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

Bank Umum Syariah (Islamic Commercial Bank) -

Jumlah Bank (Number of Banks)

-

Jumlah Kantor (Number of Offices)

3

3

3

3

3

3

5

5

5

5

6

6

304

349

401

402

405

497

581

635

643

660

701

711

19

20

26

28

28

28

27

26

25

24

25

25

154

183

196

207

214

216

241

253

256

264

286

287

Unit Usaha Syariah (Islamic Business Unit) -

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

-


Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank) -

Jumlah Bank (Number of Banks)

92

105

114

117

124

128

131

133

133

137

139

139

-


92

105

185

188

195

199

202

208

208

220

224

225

550

637

782

797

814

912

1,024

1,096

1,107

1,144

1,211

1,223

Total Kantor (Total Number of Offices)

1


Tabel 2. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) Provinsi (Province) 1

Jawa Barat

2

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

26

28

28

28

28

28

28

28

27

27

27

27

Banten

8

8

8

8

8

8

8

8

8

8

8

8

3

DKI Jakarta

0

0

1

1

1

1

1

2

2

2

2

2

4

D.I. Yogyakarta

2

3

6

6

7

8

9

9

9

9

9

9

5

Jawa Tengah

8

11

13

13

15

15

15

16

16

18

19

19

6

Jawa Timur

12

17

19

19

21

22

23

23

24

25

25

25

7

Bengkulu

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

9

Nanggroe Aceh Darussalam

5

5

5

6

6

6

6

6

6

7

8

8

10 Sumatera Utara

6

6

7

7

7

7

7

7

7

7

7

7

11 Sumatera Barat

3

4

4

4

5

6

6

6

6

6

6

6

12 Riau

2

2

2

4

4

4

4

4

4

4

4

4

13 Sumatera Selatan

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

15 Kepulauan Riau

0

0

0

0

0

0

1

1

1

1

1

1

16 Lampung

3

3

3

3

4

5

5

5

5

5

5

5

17 Kalimantan Selatan

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

19 Kalimantan Timur

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

21 Sulawesi Tengah

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

23 Sulawesi Utara

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

25 Sulawesi Barat

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

27 Nusa Tenggara Barat

2

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

29 Nusa Tenggara Timur

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

31 Papua

1

1

1

1

1

1

1

1

1

1

1

1

32 Maluku Utara

0

0

0

0

0

0

0

0

0

0

0

0

92

105

114

117

124

128

131

133

133

137

139

139

Total

2


Tabel 3. Layanan Syariah (Office Channeling) Bank

2005

2006

2007

136

Mar-08

636

Jun-08

636

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1

UUS BNI

0

638

640

640

641

641

641

641

641

2

UUS Bank Danamon

0

7

70

3

UUS Bank Permata

0

212

184

70

80

133

133

133

137

137

137

137

184

184

186

186

186

192

192

192

4

UUS BII

0

4

8

8

192

8

9

9

9

9

9

9

9

5

UUS Bank Tabungan Negara

0

27

36

39

39

64

64

69

6

UUS CIMB Niaga

0

43

63

63

106

105

143

269

69

98

116

116

313

441

505

505

7

UUS BTPN

0

0

0

0

0

0

8

12

8

UUS HSBC

0

0

7

7

7

7

10

10

12

12

12

12

10

10

10

9

UUS BPD DKI

0

10

21

21

21

33

33

34

10

34

34

34

34

10 UUS BPD Banda Aceh

0

0

-

-

-

-

0

-

-

-

-

-

11 UUS BPD Sumut

0

0

63

63

63

76

76

76

84

84

84

84

12 UUS BPD Riau

0

0

8

8

8

33

33

33

33

33

37

37

13 UUS BPD Sumbar

0

0

-

-

5

5

5

5

5

5

5

5

14 UUS BPD Sumsel

0

0

41

41

41

41

41

41

41

41

41

41

15 UUS BPD Jabar dan Banten

0

9

9

9

9

28

28

28

28

28

28

28

16 UUS BPD Jateng

0

0

0

0

0

0

0

0

0

0

0

0

17 UUS BPD DIY

0

0

0

0

0

0

0

0

0

0

0

0

18 UUS BPD Jatim

0

0

0

0

0

0

0

2

2

2

2

37

19 UUS BPD Kalsel

0

0

10

10

10

10

10

15

15

15

15

15

20 UUS BPD Kalbar

0

0

0

0

0

1

1

1

1

1

5

5

21 UUS BPD Kaltim

0

0

10

10

10

10

10

10

10

10

10

10

22 UUS BPD Sulsel

0

0

0

0

0

0

0

0

0

0

0

0

23 UUS BPD Nusa Tenggara Barat

0

0

1

1

1

10

10

11

11

11

11

11

0

0

0

0

0

0

24 UUS OCBC NISP 25 UUS Bank Sinarmas 26 UUS BEI

0

0

0

0

0

0

0

0

0

27 UUS Bukopin

0

7

27

30

30

29

29

33

33

28 UUS IFI

0

1

1

1

1

1

1

1

29 UUS BRI

0

0

0

0

0

0

0

30 UUS Lippo

0

0

0

0

0

38

3


Tabel 4. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) 2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

Bank Umum Syariah (Islamic Commercial Bank)

3,523

3,913

4,311

4,547

4,683

7,148

6,609

7,500

8,486

9,275

9,880

10,348

Unit Usaha Syariah (Islamic Business Unit)

1,436

1,797

2,266

2,307

2,498

2,535

2,562

2,178

2,223

2,179

2,250

2,296

Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)

1,037

1,666

2,108

2,022

2,272

2,423

2,581

2,644

2,811

2,694

2,763

2,799

4


Miliar Rupiah (in Billion IDR ) Tabel 5 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet) AKTIVA 1 Kas (Cash)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

226

346

488

496

525

720

759

723

749

1,158

869

1,017

2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia)

3,180

3,641

4,540

4,860

4,506

2,928

5,189

5,958

6,530

6,545

7,888

10,393

3 Penempatan pada Bank Lain (Placement in Other Bank)

1,058

991

1,667

1,716

1,853

1,653

1,978

2,185

2,449

2,262

2,512

3,036

730

829

1,388

1,400

1,758

2,510

2,683

2,715

2,700

2,744

3,644

3,786

15,270

20,445

27,944

29,629

34,100

37,681

38,199

39,308

42,195

44,523

45,726

46,886

21

15

182

115

162

110

136

142

122

219

215

171

2

31

9

7

12

24

32

26

24

24

25

24

307

515

785

944

1,039

1,128

1,148

1,318

1,460

1,802

1,646

1,649

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

41

41

41

79

41

83

83

83

83

236

270

296

296

296

297

436

459

555

568

601

672

5,487

8,178

14,261

16,109

18,973

19,864

24,882

22,604

25,489

27,708

30,542

33,853

495

621

743

702

749

969

1,200

1,358

1,193

1,290

1,382

1,623

20,880

26,722

36,538

38,344

42,981

45,857

49,555

51,678

55,238

58,034

61,359

66,090

15,593

20,672

28,012

29,552

33,049

33,569

36,852

38,040

42,103

45,381

47,887

52,271

32

32

32

32

32

32

68

8

7

6

6

6

3 Kewajiban kepada Bank Lain (Liabilities to other Bank)

980

874

1,951

1,610

1,650

2,431

2,419

3,037

2,912

2,611

3,322

3,717

4 Surat Berharga yang Diterbitkan (Securities)

265

268

350

350

413

438

311

361

360

360

340

340

5 Pinjaman Diterima (Received Borrowing)

204

181

155

148

135

126

150

141

132

551

523

512

6 Kewajiban lainnya (Other Liabilities)

210

285

473

546

608

557

727

535

567

739

767

845

7 Pinjaman Subordinasi (Subordinated Loan)

-

-

-

-

-

-

-

-

-

-

-

50

8 Antar Kantor Pasiva (Inter -Office Liabilities)

7,459

10,544

17,428

19,728

23,323

25,526

30,283

27,948

30,607

31,699

34,819

37,601

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)

185

218

260

233

361

412

463

613

399

481

520

582

10 Modal disetor (Paid-in capital)

9 Rupa-rupa Pasiva

(Other Liabilities)

951

991

1,017

1,017

1,125

1,137

1,752

1,852

1,801

1,801

1,801

1,946

11 Tambahan modal disetor ( Additional paid-in capital)

132

142

132

132

132

132

466

466

466

466

466

468

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

-

-

-

-

-

-

13

13

-

-

-

-

230

268

275

275

333

333

335

335

449

449

449

449

230

268

275

275

333

333

335

335

449

449

449

449

-

-

-

-

-

-

-

-

-

-

-

-

315

14 Laba (Net Income) a. Tahun-tahun lalu (Previous years)

(76)

27

149

585

362

359

152

562

308

308

308

b. Tahun berjalan (Current year)

238

355

540

218

411

613

432

289

517

469

634

791

20,880

26,722

36,538

38,344

42,981

45,857

49,555

51,678

55,238

58,034

61,359

66,090

TOTAL PASIVA* * Net

5


Juta Rupiah (in Million IDR) Tabel 6. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) AKTIVA 1 Kas (Cash)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

11,723

19,341

25,090

21,881

23,737

20,267

25,150

29,086

31,078

34,893

35,673

28,938

2 Penempatan pada Bank Lain (Placement in Other Bank)

102,597

185,208

232,589

243,797

237,090

227,680

334,050

303,494

292,991

306,952

338,007

407,658

3 Pembiayaan (Financing)

417,282

615,469

890,709

951,591

1,123,027

1,247,657

1,256,610

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919

-

-

-

-

-

-

-

-

-

-

-

-

15,119

-

-

-

-

-

(464)

(33)

-

37

350

350

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)

7,901

11,994

17,491

18,997

27,709

29,535

35,339

34,002

32,708

31,617

32,887

32,393

7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment)

16,965

21,328

28,273

30,128

34,221

38,360

40,499

42,117

42,707

42,933

45,501

46,654

8 Rupa-rupa Aktiva (Other assets)

25,788

52,873

48,921

59,524

59,509

64,033

62,327

65,047

65,454

73,845

76,970

75,570

585,467

896,017

1,215,916

1,295,149

1,456,451

1,575,915

1,693,332

1,747,780

1,820,576

1,962,225

2,051,436

2,125,780

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

340,892

521,152

717,858

772,220

865,319

896,909

975,815

1,034,228

1,082,786

1,158,034

1,228,468

1,250,609

2 Kewajiban kepada Bank Lain (Liabilities to other Bank)

37,110

97,561

175,803

175,533

212,633

261,538

271,481

271,399

275,041

315,112

317,435

353,062

3 Pinjaman Diterima (Received Borrowing)

37,574

39,757

51,544

50,787

64,442

67,322

68,268

64,594

65,279

65,340

55,001

56,744

8,992

8,808

10,912

15,106

14,609

17,613

19,545

16,682

17,192

14,184

13,758

18,383

3

3

3

3

3

3

3

3

3

3

3

353

12,212

16,717

24,989

29,277

33,509

33,118

35,861

32,171

31,018

31,957

33,470

35,222

118,380

150,609

176,690

185,620

198,288

214,781

221,651

230,928

250,396

262,843

285,153

294,992

7,175

15,523

17,610

25,002

31,794

39,992

54,605

52,123

48,986

53,510

44,967

41,929

-

-

-

-

-

-

-

-

-

-

-

-

9,345

16,833

20,684

22,684

27,147

27,072

28,338

31,485

36,426

36,439

36,799

36,817

a. Cadangan Umum (General Reserves)

4,856

10,301

11,650

13,201

15,766

15,892

16,638

19,316

22,162

22,219

22,587

22,582

b. Cadangan Tujuan (Special Purpose Reserves)

4,489

6,533

9,034

9,483

11,380

11,181

11,699

12,169

14,265

14,220

14,211

14,235

a. Tahun-tahun lalu (Previous years)

(6,610)

(5,705)

(8,639)

3,719

(12,982)

(13,189)

(14,501)

(3,199)

(19,253)

(21,279)

(21,736)

(22,109)

b. Tahun berjalan (Current year)

16,499

20,966

27,064

12,080

19,151

28,381

29,787

13,218

27,977

41,358

53,345

54,912

585,467

896,017

1,215,916

1,295,149

1,456,451

1,575,915

1,693,332

1,747,780

1,820,576

1,962,225

2,051,436

2,125,780

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)

TOTAL PASIVA* * Net

6


Miliar Rupiah (in Billion IDR) Tabel 7. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement ) 2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

A. Pendapatan (Revenue) 1

Pendapatan Operasional (Operating Revenue)

2,177

3,085

3,795

1,322

2,306

3,609

5,093

1,523

3,132

4,759

5,957

6,620

2

Pendapatan Operasional Lainnya (Other operating Revenue)

194

288

406

137

276

446

632

206

514

893

1,106

1,551

3

Pendapatan non operasional (Non operating Revenue)

565

838

1,260

394

854

1,390

2,061

708

1,528

2,502

3,159

3,500

4

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

925

1,306

1,468

411

831

1,307

1,938

645

1,306

1,970

2,448

2,697

2,012

2,905

3,993

1,441

2,605

4,138

5,848

1,792

3,868

6,183

7,773

8,975

B. Beban (Expenses) 1

Beban operasional (Operating Expenses)

939

1,324

1,774

695

1,059

1,679

2,603

565

1,253

2,263

2,807

3,135

2

Beban operasional lainnya (Other Operating Expenses)

202

263

317

104

218

344

492

168

469

831

1,027

1,485

3

Beban non operasional (Non Operating Expenses)

573

904

1,273

401

872

1,433

2,147

742

1,576

2,531

3,188

3,523

1,714

2,491

3,365

1,200

2,149

3,456

5,242

1,475

3,298

5,625

7,022

8,143

298

414

628

241

456

682

605

317

570

558

751

832

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)

16

25

33

0

(0)

(1)

78

0

0

0

0

(73)

282

389

595

241

456

683

528

317

570

558

751

904

44

34

55

23

45

70

92

27

53

90

118

135

238

355

540

218

411

613

432

289

517

469

634

791

7


Juta Rupiah (in Million IDR) Tabel 8. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement ) 2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

A. Pendapatan (Revenue) 1

Pendapatan Operasional (Operating Revenue)

97,275

154,633

203,063

62,597

133,093

208,200

293,964

85,708

178,916

275,332

342,616

382,177

2

Pendapatan Operasional Lainnya (Other operating Revenue)

9,629

15,945

22,927

6,723

15,623

24,401

32,883

8,683

18,285

29,801

37,955

43,069

3

Pendapatan non operasional (Non operating Revenue)

1,249

3,676

6,159

1,257

3,031

4,575

6,714

1,795

4,037

5,635

6,892

8,084

4

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

33,430

49,949

77,246

23,112

49,208

76,437

108,154

30,953

64,084

100,230

125,618

138,804

88,894

142,364

186,295

57,131

120,500

188,373

267,795

78,820

164,667

251,167

311,553

347,191

Total pendapatan (Total Revenue) B. Beban (Expenses) 1

Beban operasional (Operating Expenses)

49,378

82,315

105,458

29,328

69,762

110,303

162,045

42,849

88,784

139,589

172,237

194,071

2

Beban operasional lainnya (Other Operating Expenses)

2,518

10,217

8,455

2,824

6,558

10,347

14,767

5,508

12,007

16,408

19,752

24,594

3

Beban non operasional (Non Operating Expenses)

1,378

3,310

6,797

1,261

2,785

5,200

8,214

1,600

3,469

5,732

6,951

8,465

53,274

95,842

120,709

33,414

79,105

125,851

185,027

49,957

104,260

161,729

198,940

227,131

21,449

27,407

34,193

14,052

23,434

34,888

40,381

15,298

32,743

49,163

62,545

67,191

180

300

372

119

232

398

626

139

323

513

685

951

21,269

27,107

33,821

13,933

23,202

34,490

39,755

15,159

32,420

48,650

61,860

66,240

4,770

6,224

7,013

1,853

4,052

6,109

9,976

2,672

4,593

6,939

8,898

11,351

16,499

20,883

26,809

12,080

19,151

28,381

29,787

13,218

27,977

41,358

53,345

54,912

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


Miliar Rupiah (in Billion IDR) Tabel 9. 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) 2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1

Biaya promosi (Cost of promotion)

67

90

135

36

72

121

180

32

60

92

121

154

2

Biaya pendidikan dan pelatihan (Cost of education and training)

20

19

19

6

13

22

32

6

17

28

34

45

87

109

153

42

85

143

212

38

77

119

155

200

Total

9


Juta Rupiah (in Million IDR) Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank) 2005 1

Biaya promosi (Cost of promotion)

2

Biaya pendidikan dan pelatihan (Cost of education and training) Total

2006

2007

Mar-08

826

1,300

2,284

686

1,649

1,512

2,949

Jun-08

Sep-08

Dec-08

737

1,414

2,453

4,178

1,889

464

1,285

1,924

4,173

1,201

2,700

4,376

10

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1,006

2,024

3,273

4,184

4,901

2,727

639

1,319

2,195

3,026

3,622

6,905

1,645

3,343

5,468

7,210

8,523


Miliar Rupiah (in Billion IDR) Tabel 11 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) 2005

2006

2007

Mar-08

Jun-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

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

2,048

3,416

3,750

3,635

5,046

4,238

4,209

5,199

5,492

5,752

6,202

2 Tabungan iB (iB Saving Deposits)

4,367

6,430

9,454

9,902

10,858

12,471

13,045

14,149

14,578

15,079

16,475

183

332

645

669

762

958

961

1,351

1,268

1,568

1,538

4,184

6,098

8,809

9,233

10,096

11,513

12,084

12,798

13,310

13,511

14,937

9,169

10,826

14,807

16,015

17,145

20,143

20,786

22,755

25,311

27,056

29,595

a

Akad Wadiah (Wadia)

b

Akad Mudharabah (Mudharaba)

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

1 Bulan (1 month)

3,835

5,234

9,309

9,645

11,442

14,325

14,624

15,980

15,930

17,384

19,794

b

3 Bulan (3 months)

2,228

1,973

1,406

1,971

1,545

1,919

2,346

2,683

3,803

4,252

4,544

c

6 Bulan (6 months)

1,480

1,231

1,296

1,382

1,356

1,827

1,549

1,459

1,708

1,844

1,758

d

12 Bulan (12 months)

1,625

2,143

2,787

3,007

2,789

2,066

2,263

2,632

3,868

3,574

3,497

e

> 12 Bulan (> 12 months)

1

245

9

11

12

6

4

2

1

1

1

15,584

20,672

28,012

29,552

33,048

36,852

38,040

42,103

45,381

47,887

52,271

Total

11


Juta Rupiah ( in Million IDR ) Tabel 12. Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) 2005

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

Akad Wadiah (Wadia)

b


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

2006

2007

Mar-08

Jun-08

Dec-08

Mar-09

Jun-09

-

Sep-09

-

Nov-09

-

Dec-09

-

-

-

-

-

-

-

-

160,906

231,440

296,890

334,138

363,272

441,291

460,311

474,092

492,682

512,945

553,397

48,600

73,634

86,708

96,164

115,183

161,450

187,529

195,759

209,991

219,913

234,282

112,306

157,806

210,182

237,974

248,089

279,841

272,782

278,333

282,691

293,032

319,115

173,325

289,712

420,968

438,082

502,047

534,524

573,918

608,693

665,352

715,523

697,213

a

1 Bulan (1 month)

25,327

58,518

63,504

67,039

72,855

68,141

95,841

97,946

138,184

119,990

110,360

b

3 Bulan (3 months)

31,371

45,288

49,724

53,026

74,320

55,818

77,824

77,814

76,815

94,318

95,514

c

6 Bulan (6 months)

35,403

60,348

45,915

53,030

61,187

68,875

92,255

101,614

157,831

170,744

125,492

d


78,877

122,300

205,596

198,311

229,741

270,133

301,570

318,138

275,875

314,095

348,963

e

> 12 Bulan (> 12 months) Total

2,347

3,258

56,229

66,676

63,946

71,557

6,428

13,182

16,646

16,375

16,884

334,231

521,152

717,858

772,220

865,319

975,815

1,034,228

1,082,786

1,158,034

1,228,468

1,250,609

12


Miliar Rupiah (in Billion IDR) Tabel 13. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit) 2005

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

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

464

1,282

1,840

2,713

2,449

2,506

2,363

2,700

2,265

2,131

2,611

2,694

2,395

2,357

2,599

2,135

1,751

366

2,545

2,704

1,819

2,635

2,142

3,076

321

2

101

12

306

56

280

553

2,446

1,779

3,135

4,623

3,180

3,641

4,540

4,860

4,506

2,928

5,189

5,958

6,530

6,545

7,888

10,393

13


Miliar Rupiah (in Billion IDR) Tabel 14 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) 2005

1 Surat Berharga Pasar Keuangan Syariah (Islamic Financial Market Securities) 2 Surat Berharga Pasar Modal Syariah (Islamic Capital Market Securities) 3 Lainnya (Others) Total

2006

2007

-

-

704

828

26

1

730

829

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

4

6

7

254

279

253

254

251

1,103

1,103

1,384

1,394

1,750

2,256

2,400

2,458

2,442

2,489

2,499

2,641

4

4

4

4

42

42

2,683

2,715

2,700

2,744

3,644

3,786

1,388

14

1,400

1,758

2,510


Miliar Rupiah (in Billion IDR ) Tabel 15. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) Akad (Contract)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09


3,124

2,335

4,406

5,200

6,117

6,968

7,411

8,108

9,142

10,007

10,359

10,412

Akad Musyarakah (Musharaka)

1,898

4,062

5,578

5,835

6,518

6,750

6,205

5,890

6,134

6,459

6,506

6,597

Akad Murabahah (Murabaha)

9,487

12,624

16,553

16,977

19,811

22,044

22,486

22,732

24,245

25,046

25,570

26,321

0

0

0

0

0

0

0

0

0

0

0

0

Akad Istishna (Istishna)

282

337

351

365

367

385

369

404

412

415

431

423

Akad Ijarah (ijara)

316

836

516

464

523

698

765

962

1,059

1,195

1,251

1,305

Akad Qardh (Qardh)

125

250

540

788

765

836

959

1,211

1,202

1,400

1,609

1,829

0

0

0

0

0

0

0

0

0

0

0

0

Akad Salam (Salam)

Lainnya (Others) Total

15,232

20,445

27,944

29,629

34,100

37,681

15

38,195

39,308

42,195

44,523

45,726

46,886


Juta Rupiah ( in Million IDR) Tabel 16 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) Akad (Contract)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09


24,237

65,342

90,483

80,367

108,193

127,219

113,379

114,213

125,338

148,595

158,452

144,969


40,065

26,351

41,714

40,852

48,398

50,340

42,952

48,671

50,170

52,706

53,504

52,781

337,566

505,633

716,240

775,055

902,965

996,557

1,011,743

1,071,177

1,120,559

1,196,883

1,237,253

1,269,900

90

30

0

38

38

38

38

38

38

0

105

105


1,844

1,361

13,467

17,067

18,454

22,019

24,683

25,773

27,286

34,663

34,882

32,766

Akad Ijarah (ijara)

6,816

6,783

3,661

5,490

5,271

6,558

5,518

6,557

8,146

8,181

7,970

7,803

Akad Qardh (Qardh)

6,666

9,969

19,038

25,542

29,444

30,966

40,308

46,571

52,600

54,301

55,253

50,018

0

0

6,106

7,179

10,264

13,961

17,988

19,420

25,762

28,085

28,809

28,578

Akad Murabahah (Murabaha) Akad Salam (Salam)

Multijasa (Multi Purpose Financing) Total

417,282

615,469

890,709

951,591

1,123,027

1,247,657

16

1,256,610

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919


Miliar Rupiah (in Billion IDR ) Tabel 17. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) 2005

SEKTOR EKONOMI

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

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

687

701

837

850

1,000

1,225

1,177

1,303

1,282

1,288

1,330

1,331

395

375

511

817

546

585

965

1,021

927

998

1,009

1,047

933

940

1,371

1,512

1,670

1,420

1,340

1,305

1,470

1,477

1,495

1,579

66

17

166

99

157

224

248

299

433

591

670

698

1,548

1,637

2,371

2,480

3,307

3,745

3,368

3,248

3,396

3,705

3,648

3,516

1,716

3,041

4,152

4,381

4,416

4,441

4,426

4,745

5,248

5,370

5,719

5,000

1,261

1,165

1,569

1,231

1,952

2,290

2,759

2,839

3,181

3,080

3,168

3,349

4,504

5,458

8,425

8,907

10,236

11,383

11,757

11,606

12,475

13,334

13,369

13,664

1,208

1,456

1,904

1,965

2,362

2,735

2,463

2,476

2,588

2,616

2,704

2,661

2,913

5,655

6,639

7,387

8,454

9,633

9,693

10,465

11,195

12,063

12,616

14,042

15,232

20,445

27,944

29,629

34,100

37,681

38,195

39,308

42,195

44,523

45,726

46,886

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

17


Juta Rupiah (in Million IDR ) Tabel 18. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) SEKTOR EKONOMI

2005


2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

11,874

17,720

24,436

29,566

40,027

39,828

41,613

43,618

47,606

51,307

53,911

54,486

138

485

944

928

817

861

1,287

2,206

1,758

1,507

1,275

998

9,207

12,465

12,447

11,975

14,133

17,464

15,885

17,095

16,901

19,882

20,278

20,420

109

748

367

557

2,588

1,473

1,146

557

900

927

1,554

1,055

3,495

6,570

16,051

15,911

20,636

25,919

26,536

34,913

36,231

52,416

53,340

48,178

190,583

255,559

295,195

309,495

357,221

390,729

370,907

428,840

451,561

481,118

477,980

486,018

3,618

8,704

9,075

10,839

13,349

14,915

17,697

19,729

21,138

19,575

18,530

17,289

49,031

72,194

99,050

101,249

126,727

147,590

140,989

147,575

163,100

185,913

183,851

176,760

5,155

5,632

6,402

6,595

8,753

7,828

22,609

11,494

13,461

12,730

16,805

16,451

144,072

235,392

422,148

464,477

538,777

601,050

617,942

626,391

657,245

698,039

748,706

765,264

417,282

615,469

886,117

951,591

1,123,027

1,247,657

1,256,610

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919


18


Miliar Rupiah (in Billion IDR) Tabel 19 . 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) JENIS PENGGUNAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF USAGE

Modal Kerja

Nilai (Amount)

7,988

10,405

15,656

16,357

18,690

20,315

20,554

20,572

22,274

23,056

23,358

22,873

Working Capital Pangsa (Share)

52.4%

50.9%

56.0%

55.2%

54.8%

53.9%

53.8%

52.3%

52.8%

51.8%

51.1%

48.8%

Investasi

Nilai (Amount)

4,288

4,374

5,637

5,870

6,930

7,695

7,907

8,229

8,696

9,371

9,721

9,955

Investment Pangsa (Share)

28.1%

21.4%

20.2%

19.8%

20.3%

20.4%

20.7%

20.9%

20.6%

21.0%

21.3%

21.2%

Nilai (Amount)

2,956

5,666

6,652

7,403

8,480

9,671

9,734

10,507

11,225

12,095

12,647

14,058

Consumption Pangsa (Share)

19.4%

27.7%

23.8%

25.0%

24.9%

25.7%

25.5%

26.7%

26.6%

27.2%

27.7%

30.0%

15,232

20,445

27,944

29,629

34,100

37,681

38,195

39,308

42,195

44,523

45,726

46,886

Konsumsi

Total

19


Juta Rupiah (in Million IDR) Tabel 20. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage) JENIS PENGGUNAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF USAGE

Modal Kerja

Nilai (Amount)

236,794

357,743

497,472

522,176

602,916

662,604

664,644

695,684

692,310

858,195

778,595

767,538


56.75%

58.13%

55.89%

54.87%

53.69%

53.11%

52.89%

52.21%

49.10%

56.33%

49.40%

48.37%

Nilai (Amount)

48,023

78,597

125,320

114,994

127,912

133,490

132,729

139,873

151,263

178,813

186,018

186,482


11.51%

12.77%

14.08%

12.08%

11.39%

10.70%

10.56%

10.50%

10.73%

11.74%

11.80%

11.75%

Nilai (Amount)

132,466

179,129

267,278

314,420

392,199

451,563

459,237

496,863

566,327

486,407

611,616

632,899

Investasi

Konsumsi

Consumption Pangsa (Share) Total

31.74%

29.10%

30.03%

33.04%

34.92%

36.19%

36.55%

37.29%

40.17%

31.93%

38.80%

39.88%

417,282

615,469

890,070

951,591

1,123,027

1,247,657

1,256,610

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919

20


Miliar Rupiah (in Billion IDR) Tabel 21. 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) GOLONGAN PEMBIAYAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF FINANCING


10,196

14,872

19,566

20,574

24,455

27,179

27,063

27,867

30,506

32,576

34,495

35,799

5,036

5,573

8,379

9,056

9,645

10,501

11,132

11,441

11,689

11,947

11,231

11,087

15,232

20,445

27,944

29,629

34,100

37,681

38,195

39,308

42,195

44,523

45,726

46,886

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

21


Juta Rupiah (in Million IDR) Tabel 22 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) GOLONGAN PEMBIAYAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

273,212

380,079

575,028

584,580

603,546

661,145

657,359

701,789

718,078

817,331

830,528

833,076

144,072

235,392

315,044

367,050

519,521

586,552

599,291

630,630

691,823

706,084

745,701

753,843

417,284

615,471

890,072

951,630

1,123,067

1,247,697

1,256,650

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919

TYPE OF FINANCING

Usaha Kecil dan Menengah 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 )

22


Miliar Rupiah (in Billion IDR) Tabel 23. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility) KOLEKTIBILITAS PEMBIAYAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

COLLECTIBILITY OF FINANCING Lancar (Performing Financing)

14,803

19,474

26,813

28,393

32,658

36,127

36,686

37,289

40,344

41,975

43,192

45,004

La nca r (Current)

14,027

18,583

25,494

26,993

31,278

34,413

35,076

35,024

37,601

38,815

39,977

41,931

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

776

891

1,319

1,399

1,380

1,714

1,610

2,264

2,743

3,161

3,216

3,074

429

971

1,131

1,237

1,442

1,554

1,509

2,019

1,851

2,547

2,534

1,882

Kura ng La nca r (Sub-Standard)

201

353

321

269

449

531

525

804

553

1,136

898

435

Di ra guka n (Doubtful)

73

236

267

382

286

262

224

200

417

341

746

582

Ma cet (Lost)

155

383

543

586

706

761

759

1,015

881

1,070

889

865

15,232

20,445

27,944

29,629

34,100

37,681

38,195

39,308

42,195

44,523

45,726

46,886

Non Lancar (Non Performin Financing)

Total Pembiayaan (Total Financing) Percentage of NPFs

2.82%

4.75%

4.05%

4.17%

23

4.23%

4.12%

3.95%

5.14%

4.39%

5.72%

5.54%

4.01%


Juta Rupiah (in Million IDR) Tabel 24. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) KOLEKTIBILITAS PEMBIAYAAN

2005

2006

2007

371,781

564,373

820,058

45,501

51,096

Kura ng La nca r (Sub-Standard)

12,290

Di ra guka n (Doubtful) Ma cet (Lost)

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

876,827

1,039,253

1,161,305

1,151,287

1,220,356

1,298,387

1,399,736

1,444,450

1,475,306

72,349

74,764

83,774

86,352

105,322

112,064

111,513

123,678

131,779

111,612

16,267

22,674

25,006

25,280

26,136

35,322

32,277

36,157

42,524

42,704

31,049

23,338

19,760

17,090

17,061

17,481

16,659

21,307

28,111

31,039

36,245

34,002

30,687

9,873

15,069

32,586

32,697

41,013

43,557

48,693

51,675

44,316

44,910

55,073

49,877

417,282

615,469

892,407

951,591

1,123,027

1,247,657

1,256,610

1,332,419

1,409,900

1,523,415

1,576,229

1,586,919

COLLECTIBILITY OF FINANCING Lancar (Performing Financing) Non Lancar (Non Performin Financing)

Total Pembiayaan (Total Financing) Percentage of NPFs

10.90%

8.30%

8.11%

7.86%

24

7.46%

6.92%

8.38%

8.41%

7.91%

8.12%

8.36%

7.03%


Miliar Rupiah (in Billion IDR) Tabel 25. 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


2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

34

40

21

30

20

14

10

17

28

36

35

64

14

25

80

70

14

14

213

262

56

80

54

20

82

219

229

246

267

264

289

286

230

183

179

184

0

0

0

0

0

0

0

0

0

0

0

0

23

57

89

105

131

112

140

176

148

255

282

180

78

205

254

278

285

289

278

301

306

444

473

436

42

88

119

132

102

98

91

98

100

187

233

177

68

187

141

164

337

452

297

378

453

607

618

311

22

40

41

49

87

130

44

130

134

146

132

59

65

110

157

162

199

181

148

370

394

609

528

450

429

971

1,131

1,237

1,442

1,554

1,509

2,019

1,851

2,547

2,534

1,882


25


Juta Rupiah (in Million IDR) Tabel 26. 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

2006

1,259

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

2007

Mar-08

Jun-08

1,472

1,783

2,182

10

270

29

1,377

1,652

1,810

43

1

55

158

908

26,405

30,305

198

Sep-08

Dec-08

2,517

3,866

-

-

1,807

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

3,839

3,915

3,919

5,067

4,954

3,741

1

81

631

596

506

309

2,175

2,317

2,416

2,298

2,926

3,846

3,090

54

65

214

133

183

63

184

75

2,292

1,613

2,071

4,526

4,344

4,325

5,238

4,810

4,484

38,045

37,061

40,909

38,962

39,224

47,329

46,402

52,999

53,018

45,737

491

705

933

543

770

1,538

870

902

2,545

1,829

1,705

6,269

6,802

8,593

9,578

10,336

10,569

16,421

14,679

15,131

13,018

15,715

10,416

551

449

254

483

503

530

676

833

658

792

1,316

516

8,850

9,988

20,139

20,397

25,493

27,345

36,568

37,464

37,064

40,435

45,601

41,539

45,501

51,096

72,349

74,764

83,774

86,352

105,322

112,064

111,513

123,678

131,779

111,612

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

26


Miliar Rupiah (in Billion IDR) Tabel 27. 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) JENIS PENGGUNAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF USAGE

Modal Kerja

Nilai (Amount)

216

604

647

717

798

862

871

1,066

942

1,209

1,371

899


50.2%

62.2%

57.2%

57.9%

55.4%

55.5%

57.7%

52.8%

50.9%

47.4%

54.1%

47.7%

Nilai (Amount)

148

258

326

357

444

511

489

583

515

730

634

534


34.6%

26.5%

28.8%

28.9%

30.8%

32.9%

32.4%

28.9%

27.8%

28.6%

25.0%

28.4%

Nilai (Amount)

65

110

158

163

199

182

148

370

394

609

529

450


15.2%

11.3%

14.0%

13.2%

13.8%

11.7%

9.8%

18.3%

21.3%

23.9%

20.9%

23.9%

429

971

1,131

1,237

1,442

1,554

1,509

2,019

1,851

2,547

2,534

1,882

Investasi

Konsumsi

Total

27


Juta Rupiah (in Million IDR) Tabel 28 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) JENIS PENGGUNAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF USAGE

Modal Kerja

Nilai (Amount)

34,239

38,716

53,267

53,947

61,425

62,915

75,154

71,584

72,261

82,579

83,786

68,821


75.2%

75.8%

73.6%

72.2%

73.3%

72.9%

71.4%

63.9%

64.8%

66.8%

63.6%

61.7%

Nilai (Amount)

4,454

5,445

6,114

7,390

7,613

7,353

8,890

10,323

11,154

12,117

12,877

10,723


9.8%

10.7%

8.5%

9.9%

9.1%

8.5%

8.4%

9.2%

10.0%

9.8%

9.8%

9.6%

Nilai (Amount)

6,808

6,936

12,968

13,427

14,737

16,084

21,278

30,157

28,097

28,982

35,115

32,068


15.0%

13.6%

17.9%

18.0%

17.6%

18.6%

20.2%

26.9%

25.2%

23.4%

26.6%

28.7%

45,501

51,096

72,349

74,764

83,774

86,352

105,322

112,064

111,513

123,678

131,779

111,612

Investasi

Konsumsi

Total

28


Miliar Rupiah (in Billion IDR) Tabel 29. 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) GOLONGAN PEMBIAYAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF FINANCING


330

725

798

909

1,010

1,183

985

1,353

1,174

1,663

1,644

1,611

99

246

333

328

432

371

524

666

677

884

890

271

429

971

1,131

1,237

1,442

1,554

1,509

2,019

1,851

2,547

2,534

1,882

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

29


Juta Rupiah ( in Million IDR) Tabel 30. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) GOLONGAN PEMBIAYAAN

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

TYPE OF FINANCING


45,501

41,108

50,322

51,391

57,813

60,251

69,501

73,710

73,486

81,108

84,391

70,160

-

9,988

22,028

23,373

25,961

26,102

35,821

38,354

38,027

42,571

47,388

41,453

45,501

51,096

72,349

74,764

83,774

86,352

105,322

112,064

111,513

123,678

131,779

111,612

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 )

30


satuan (in unit) Tabel 31 . 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)

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1,255,889

1,992,452

2,845,829

3,150,819

3,401,298

3,657,231

3,766,067

4,266,814

4,612,411

4,549,370

4,400,670

4,537,565

26,100

34,499

42,741

43,850

47,101

48,988

51,123

58,686

57,803

60,401

70,734

71,635

1,168,786

1,883,875

2,711,374

3,009,494

3,253,322

3,501,899

3,600,205

4,079,270

4,424,263

4,350,940

4,183,185

4,315,582

61,003

74,078

91,714

97,475

100,875

106,344

114,739

128,858

130,345

138,029

146,751

150,348

144,699

372,109

512,230

520,942

538,451

582,046

597,208

626,602

633,109

653,666

674,298

577,134


15,857

14,967

23,411

26,144

28,731

30,403

30,071

30,050

30,614

31,980

32,438

32,609


2,396

3,026

6,013

7,021

8,826

10,439

10,949

11,277

12,514

14,550

15,557

16,066

119,832

340,824

454,952

448,431

459,270

493,142

498,469

513,501

518,054

524,184

528,344

422,551

Giro iB (Demand Deposits) Tabungan iB (Saving Deposits) Deposito iB (Time Deposits) Pembiayaan (Financing)

Akad Murabahah (Murabaha) Akad Salam (Salam)

-

-

-

-

-

-

-

-


408

387

392

437

472

614

695

Akad Ijarah (ijara)

129

443

1,007

1,056

1,581

1,792

6,077

12,462

26,455

37,853

39,571

1,400,588

2,364,561

3,358,059

3,671,761

3,939,749

Akad Qardh (Qardh) Total

2005

31

-

-

-

-

854

1,114

1,283

1,324

1,346

1,912

2,072

2,625

2,763

3,061

4,192

45,656

55,112

68,848

68,188

78,906

93,574

100,370

4,239,277

4,363,275

4,893,416

5,245,520

5,203,036

5,074,968

5,114,699


satuan (in unit) Tabel 32. Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) Jenis

Dana Pihak Ketiga (Depositor Funds)

2005

2006

Deposito iB (Time Deposits) Pembiayaan (Financing)

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

287,203

339,914

436,932

374,150

385,448

437,464

432,767

516,615

461,969

484,387

517,944

-

-

-

-

-

-

-

-

-

-

-

-

214,866

279,046

329,272

425,620

362,115

372,864

423,550

417,733

501,059

445,640

467,290

500,414

6,204

8,157

10,642

11,312

12,035

12,584

13,914

15,034

15,556

16,329

17,097

17,530

47,627

70,415

110,415

95,917

104,796

110,415

115,050

124,286

124,912

130,101

134,325

131,258


2,079

2,312

2,777

2,513

2,584

2,777

2,446

2,641

2,711

2,669

2,467

2,595


2,959

3,915

4,633

4,389

4,770

4,633

4,442

4,458

4,719

5,101

5,136

4,990

38,928

58,895

91,121

79,145

85,511

91,121

92,843

99,540

98,919

101,972

105,053

105,030

10

1

5

5

5

5

5

5

5

1

1

314

310

403

363

355

403

438

504

533

701

746

768

2,547

3,991

8,816

8,290

9,831

8,816

11,795

13,899

14,811

15,646

16,949

13,712

Akad Ijarah (ijara)

790

991

727

684

680

727

577

490

469

911

891

903

Multijasa (Multi Purpose Financing)

-

-

1,933

528

1,060

1,933

2,504

2,749

2,745

3,101

3,082

3,259

450,329

532,849

478,946

495,863

552,514

557,053

641,527

592,070

618,712

649,202

Akad Murabahah (Murabaha) Akad Salam (Salam) Akad Istishna (Istishna) Akad Qardh (Qardh)

Total

Mar-08

221,070

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

2007

268,697

357,618

32

-


Tabel 33. 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) Jenis

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

Dana Pihak Ketiga (Depositor Funds) 1

Giro iB (Demand Deposits)

1.16%

1.27%

1.07%

1.02%

1.01%

1.13%

1.18%

1.02%

1.36%

1.01%

0.89%

0.96%

2

Tabungan iB (Saving Deposits)

3.96%

3.72%

3.32%

3.20%

3.03%

3.07%

3.61%

3.21%

3.21%

3.06%

2.73%

2.76%

3

Deposito iB (Time Deposits) a

1 Bulan (1 month)

7.86%

8.96%

7.63%

7.02%

6.85%

7.15%

8.22%

7.35%

7.65%

6.78%

6.75%

6.92%

b

3 Bulan (3 months)

8.03%

9.81%

7.93%

7.15%

7.16%

7.44%

9.10%

9.59%

8.13%

7.36%

7.19%

7.25%

c

6 Bulan (6 months)

8.82%

9.57%

8.25%

7.77%

7.60%

7.94%

8.67%

8.30%

7.83%

7.05%

6.89%

8.44%

d


9.35%

9.99%

8.34%

7.26%

7.15%

7.65%

8.34%

8.49%

10.77%

9.20%

9.09%

9.06%

e


7.83%

10.04%

7.17%

6.08%

5.98%

8.98%

8.63%

8.56%

7.71%

8.42%

8.46%

8.63%

Pembiayaan (Financing) 1


12.75%

13.73%

16.93%

20.31%

19.11%

19.43%

19.38%

19.01%

19.19%

19.33%

19.09%

19.11%

2


8.46%

10.25%

11.23%

12.06%

11.65%

11.06%

11.37%

10.98%

11.29%

11.04%

11.49%

11.72%

3


13.05%

12.09%

14.66%

14.49%

14.15%

14.39%

14.92%

15.12%

15.46%

15.78%

15.95%

16.07%

4

Akad Salam (Salam)

-

-

-

-

-

-

-

-

-

-

-

-

5

Akad iIstishna (Istishna)

13.80%

13.46%

14.30%

14.22%

14.21%

14.15%

14.99%

14.67%

14.28%

14.16%

14.04%

13.89%

6

Akad Ijarah (ijara)

0.59%

0.66%

0.16%

0.21%

0.40%

0.18%

0.88%

0.46%

0.46%

0.78%

0.73%

0.76%

7

Akad Qardh (Qardh)

5.25%

5.33%

2.89%

3.29%

3.12%

3.23%

3.42%

3.40%

3.68%

3.78%

3.98%

4.34%

33


Tabel 34 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) 2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

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%

5.99%

6.21%

6.62%

6.62%

5.95%

5.83%

5.78%

5.94%

6.19%

a

1 Bulan (1 month)

8.79%

12.73%

10.64%

10.68%

10.39%

10.76%

10.47%

10.95%

10.99%

11.38%

11.17%

12.03%

b

3 Bulan (3 months)

10.60%

12.44%

11.65%

12.46%

10.14%

11.54%

13.16%

12.03%

12.24%

11.81%

12.40%

12.43%

12.98%

13.68%

12.14%

12.04%

12.98%

13.88%

13.74%

13.66%

13.16%

13.07%

13.48%

13.38%

9.27%

12.58%

12.31%

12.33%

12.17%

12.34%

13.09%

13.02%

12.68%

11.85%

12.59%

12.30%

13.54%

14.48%

11.52%

11.23%

12.13%

14.43%

13.03%

11.73%

12.48%

12.28%

12.19%

12.26%

c

6 Bulan (6 months)

d


e


Pembiayaan (Financing) 1


21.28%

18.16%

21.28%

22.63%

22.00%

20.67%

18.49%

17.16%

20.00%

19.77%

19.63%

18.59%

2


20.96%

23.15%

20.77%

24.02%

23.09%

23.34%

23.28%

22.67%

21.83%

17.35%

16.80%

15.97%

3


17.88%

18.72%

20.30%

20.35%

19.97%

19.76%

19.56%

19.70%

19.93%

19.32%

19.45%

19.22%

4

Akad Salam (Salam)

5

Akad iIstishna (Istishna)

6

Akad Ijarah (ijara)

7

Akad Qardh (Qardh)

8

Multijasa (Multi Purpose Financing)

-

-

-

-

-

-

-

-

-

-

-

-

18.45%

20.01%

7.43%

7.34%

7.22%

7.15%

7.39%

7.68%

7.59%

6.46%

6.90%

7.35%

0.84%

0.54%

0.21%

0.22%

0.11%

0.11%

0.11%

0.07%

0.08%

0.13%

0.10%

0.10%

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

34


Tabel 35 . Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit) Rasio (Ratio)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1

CAR 1)

12.41%

13.73%

10.67%

11.54%

10.51%

10.59%

12.81%

13.87%

12.47%

11.50%

11.17%

10.77%

2

ROA

1.35%

1.55%

2.07%

2.59%

2.32%

2.21%

1.42%

2.44%

2.16%

1.38%

1.48%

1.48%

3

ROE 1)

27.58%

28.45%

40.38%

54.06%

49.39%

45.94%

38.79%

34.14%

29.51%

28.33%

27.52%

25.22%

4

NPF

2.82%

4.75%

4.05%

4.17%

4.23%

4.12%

1.42%

5.14%

4.39%

5.72%

5.54%

4.01%

5

FDR

97.75%

98.90%

99.76%

100.26%

103.18%

112.25%

103.65%

103.33%

100.22%

98.11%

95.49%

89.70%

6

BOPO

78.91%

76.77%

76.54%

76.28%

72.94%

73.60%

81.75%

67.61%

73.56%

84.05%

83.08%

84.39%

1)

Hanya data Bank Umum Syariah (Islamic Commercial Bank only)

35


satuan (in unit) Tabel 37. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) Total Aset (Rp)

2005

2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

Total Assets (in IDR) < 1 Mi l i a r (< 1 Billion)

11

7

13

10

10

9

7

8

8

8

8

8

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

51

57

46

48

49

52

50

44

40

38

38

38

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

17

22

24

27

33

30

34

36

40

43

40

40

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

13

19

31

32

32

37

40

45

45

48

52

52

Total

92

105

114

117

124

128

131

133

133

137

139

139

36


Miliar Rupiah (in Billion IDR) Tabel 38. Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market) 2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1 hari (Overnight)

276

542

355

551

2,295

2,259

1,629

485

879

482

700

2-6 hari (2 up to 6 days)

334

66

206

303

931

450

426

352

354

328

890

7 hari (7 days)

106

304

39

457

107

961

399

765

195

421

129

74

193

36

157

329

148

638

778

670

931

682

-

64

-

40

70

-

-

420

420

420

470

-

4

-

10

446

-

-

18

8-26 hari (8 up to 26 days) 27-30 hari (27 up to 30 days) >30 hari (> 30 days)

5

100

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

37

9


Tabel 39. Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) 2006

2007

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Nov-09

Dec-09

1 hari (Overnight)

5.92%

6.59%

6.60%

6.93%

8.65%

9.54%

7.96%

7.20%

6.07%

6.21%

6.01%


7.80%

6.58%

6.63%

6.94%

8.76%

9.97%

8.22%

7.25%

6.13%

5.92%

6.13%

7 hari (7 days)

8.18%

6.66%

6.39%

7.26%

8.86%

10.30%

8.04%

7.30%

6.30%

6.12%

6.33%


8.60%

6.48%

6.45%

7.23%

9.13%

10.65%

8.37%

7.66%

6.61%

6.73%

6.55%

-

7.18%

-

7.30%

9.25%

-

-

6.95%

6.48%

6.47%

6.65%

6.90%

-

6.50%

-

10.22%

10.75%

8.21%

-

-

-

6.92%

27-30 hari (27 up to 30 days) >30 hari (> 30 days)

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

38


39


Miliar Rupiah (in Billion IDR) Tabel. 40. 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 (Gross Assets) 2,041 3,824 1,632 1,728 79 476 247 2,410 657 663 54,574 9,149 2,096 3,924 1,703 5,551 177 1,080 87 2,156 2,010 162 95 9 247 247 1,416 51 80 533 37 71 243 442

Pembiayaan (Financing) 849 2,840 833 1,052 37 411 235 1,047 401 515 21,158 4,666 1,111 2,611 629 3,519 115 588 37 1,048 847 145 86 7 163 157 1,098 13 35 396 33 62 140 3

40

Dana Pihak Ketiga (Depositor Funds) 1,225 2,021 839 1,026 65 245 152 1,128 473 432 24,297 5,923 1,498 2,241 823 4,105 159 544 78 1,374 957 95 85 9 220 210 899 48 74 299 36 66 183 442

FDR

NPF

69.28% 140.53% 99.28% 102.49% 56.66% 167.63% 154.43% 92.82% 84.74% 119.30% 87.08% 78.78% 74.16% 116.50% 76.41% 85.73% 72.15% 108.09% 47.30% 76.29% 88.50% 153.57% 101.13% 80.12% 74.39% 74.59% 122.21% 27.33% 47.54% 132.42% 91.55% 93.32% 76.23% 0.57%

1.88% 7.85% 1.58% 1.09% 0.11% 2.22% 3.16% 6.99% 11.51% 1.47% 4.89% 3.21% 2.92% 2.55% 1.55% 1.01% 0.54% 0.82% 1.06% 1.65% 1.38% 1.61% 3.60% 0.00% 2.03% 0.97% 8.56% 1.43% 2.40% 0.86% 0.00% 3.04% 0.45% 0.00%


Juta Rupiah (in Million IDR) Tabel. 41. 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 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

Aset (Assets) 54,639 65,572 71,226 6,172 122,326 38,672 38,362 5,676 64,311 13,962 625,480 238,676 159,683 93,310 347,282 4,694 14,356 22,038 88,047 50,040 1,255

Pembiayaan (Financing) 35,587 46,211 56,656 3,464 80,827 29,602 26,862 4,764 45,929 9,716 488,936 193,925 104,775 60,382 277,735 3,859 10,905 13,460 63,372 29,243 709

41

Dana Pihak Ketiga (Depositor Funds) 28,865 45,933 49,529 3,477 91,893 20,817 24,160 2,263 25,329 5,146 360,057 160,071 107,152 63,053 168,088 3,763 7,060 14,171 37,042 32,196 542

FDR

NPF 123.29% 100.61% 114.39% 99.61% 87.96% 142.20% 111.19% 210.46% 181.33% 188.83% 135.79% 121.15% 97.78% 95.76% 165.23% 102.54% 154.45% 94.99% 171.08% 90.83% 130.80%

6.92% 4.71% 1.73% 2.56% 4.55% 3.93% 4.45% 2.51% 8.56% 1.30% 5.10% 5.67% 5.14% 5.17% 7.81% 6.89% 5.70% 2.65% 4.10% 4.19% 10.82%


Miliar Rupiah (in Billion IDR) Tabel. 42. 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

Perta mba nga n

Peri ndus tri a n

Li s tri k, ga s da n a i r

Perda ga nga n, res tora n da n Penga ngkuta n, Ja s a s os i a l / Ja s a duni a us a ha La i n-l a i n perguda nga n da n hotel ma s ya ra ka t komuni ka s i Transport, cargo storage and Construction Trade, restaurants and hotels Business Services Social Services communication

Kons truks i


Mining

Manufacturing

Water, gas and electricity

9

0

3

2

79

85

2

143

30

465

Suma tera Uta ra

450

3

80

8

253

570

27

608

109

679

Suma tera Ba ra t

25

0

6

-

4

165

3

238

52

314

Suma tera Sel a ta n

55

0

2

2

23

197

3

300

33

407

-

-

-

-

-

-

-

7

20

10

Ja mbi

38

4

0

-

8

144

0

108

15

87

Bengkul u

61

-

-

-

3

17

0

84

32

40

165

-

6

0

60

140

38

307

36

261 185

DI Aceh

Ba ngka Bel i tung

Ri a u

Others

1

0

4

-

3

30

13

141

7

54

1

5

7

5

140

4

168

18

98

DKI Ja ka rta

332

826

546

587

2,529

2,192

2,518

6,246

1,098

3,924

Ja wa Ba ra t

18

6

126

29

272

377

204

1,602

375

1,485

3

4

98

0

15

98

0

415

141

299

Ja wa Tenga h

15

7

462

1

63

547

60

555

131

694

DI Yogya ka rta

1

-

15

17

2

159

4

204

36

173

72

16

113

16

129

222

5

745

342

1,705

Ba l i

0

0

2

0

1

3

-

13

55

34

Ka l i ma nta n Ba ra t

4

-

2

-

16

79

122

101

5

232

Ka l i ma nta n Tenga h

0

-

0

-

-

1

-

33

1

2

Ka l i ma nta n Ti mur

8

1

10

-

59

215

28

363

41

282

Ka l i ma nta n Sel a ta n

5

126

5

0

23

27

125

238

35

245

Sul a wes i Uta ra

2

-

0

0

1

14

1

117

-

8

Goronta l o

-

-

2

-

2

22

2

1

50

9

Sul a wes i Ba ra t

0

-

0

-

-

2

-

2

1

2

Sul a wes i Tenga h

6

0

3

-

17

8

1

27

4

93

Sul a wes i Tengga ra

-

0

0

-

-

8

0

100

-

53

Sul a wes i Sel a ta n

2

0

2

-

23

154

4

373

25

505

Ma l uku

-

-

-

-

-

-

-

4

-

10

Ma l uku Uta ra

-

-

-

-

-

-

-

1

9

26

NTB

1

13

2

0

31

33

0

53

3

238

NTT

-

-

-

-

5

-

-

11

-

15

Iri a n Ja ya Ba ra t

-

-

0

-

-

23

-

27

1

11

Pa pua

2

-

0

1

22

47

1

33

2

23

Luar Indonesia

-

2

-

-

-

-

-

-

1

0

Kepul a ua n Ri a u La mpung

Ba nten

Ja wa Ti mur

42


Juta Rupiah (in Million IDR) Tabel. 43. 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 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

Pertanian, kehutanan dan sarana pertanian

Pertambangan

Perindustrian

Pengangkutan, Perdagangan, restoran dan Jasa sosial / pergudangan dan Jasa dunia usaha Lain-lain hotel masyarakat komunikasi Transport, cargo storage and Construction Trade, restaurants and hotels Business Services Social Services communication

Listrik, gas dan air Konstruksi


Mining

Manufacturing

Water, gas and electricity

1,619 1,561 3,961 193 1,447 9,329 689 22 1,150 7,787 336 7,634 1,139 15,392 20 151 1,101 98 844 15

183 25 106 312 152 77 50 93 -

224 1,077 520 303 132 2,559 1,250 529 3,805 2,043 1,823 2,167 2,743 252 20 956 18 -

5 158 250 329 164 42 47 59 -

905 685 3,045 5,751 8 363 1,302 6,837 715 19,884 694 913 3,206 3,868

43

23,668 9,692 27,847 462 40,374 8,153 3,919 2,228 3,843 1,012 119,944 80,244 30,186 16,191 82,057 1,956 3,538 2,779 8,054 19,629 242

97 59 2,120 832 199 1,254 230 11 9,033 28 1,053 45 482 8 1,314 6 517 -

1,858 3,592 4,066 164 18,572 354 7,709 736 1,689 1,206 29,053 46,362 8,201 20,925 23,419 169 10 6,147 803 1,645 78

19 160 986 28 495 24 408 264 238 8,001 2,355 787 1,009 842 118 9 708 -

Others

7,190 30,440 13,677 2,314 12,871 8,981 11,096 1,284 37,167 7,498 300,796 41,223 33,641 42,185 151,643 1,335 7,415 2,024 49,526 2,581 374


Miliar Rupiah (in Billion IDR) Tabel. 44. 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) 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

Modal Kerja

Investasi

Konsumsi


Mining

Manufacturing

276 1,332 395 440 8 241 185 421 114 341 11,621 2,369 556 1,493 344 1,227 56 172 7 420 282 132 64 3 52 108 483 4 6 76 16 51 62 -

76 776 98 175 19 76 13 332 84 61 5,230 634 218 349 95 432 19 157 28 305 302 3 14 1 15 1 101 4 61 44 3

465 679 314 407 10 87 40 262 187 98 3,948 1,490 300 694 173 1,705 34 232 2 282 245 8 9 2 93 53 505 10 26 238 15 11 23 -

44


Juta Rupiah (in Million IDR)

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

Tabel. 45 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province) Modal Kerja Investasi Konsumsi Working Capital Investment 26,928 3,195 20,052 1,807 35,036 9,224 1,010 312 70,869 4,067 21,210 3,828 14,379 2,476 2,142 1,524 9,609 5,187 8,792 65 171,009 72,177 119,295 31,086 50,897 20,773 38,643 8,182 122,021 16,086 2,645 397 3,731 70 11,614 15,960 283 21,429 5,671 267 72

45

Consumption 5,464 24,352 12,396 2,142 5,892 4,564 10,007 1,097 31,133 860 245,749 43,543 33,104 13,557 139,628 817 7,105 1,847 47,129 2,142 370


Miliar Rupiah (in Billion IDR) Tabel. 46. 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

646 2,072 655 556 1 399 227 838 307 431 15,791 3,004 540 2,144 432 2,791 85 390 19 960 622 120 77 6 43 68 870 14 6 207 26 23 126 -

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

46

171 715 152 465 36 6 11 176 77 70 5,008 1,489 533 391 180 573 24 170 18 47 208 23 11 117 94 219 30 168 5 38 3 3


Juta Rupiah (in Million IDR) Tabel. 47 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 29,535 6,052 Suma tera Uta ra 18,268 27,944 Suma tera Ba ra t 42,455 14,201 Suma tera Sel a ta n 747 2,716 Ba ngka Bel i tung 74,936 5,892 Ja mbi Bengkul u 21,114 8,488 Ri a u 8,973 17,889 Kepul a ua n Ri a u 3,664 1,099 La mpung 13,111 32,818 DKI Ja ka rta 8,854 863 Ja wa Ba ra t 185,086 303,849 Ba nten 126,911 67,014 Ja wa Tenga h 69,906 34,869 DI Yogya ka rta 43,258 17,124 Ja wa Ti mur 125,033 152,702 Ba l i 3,034 825 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 3,731 7,174 Ka l i ma nta n Sel a ta n 11,609 1,851 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 15,545 47,826 Ma l uku Ma l uku Uta ra NTB 26,971 2,271 NTT Iri a n Ja ya Ba ra t Pa pua 335 374

47


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) 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 Dec-08

Jan-09

Feb-09 Aset (Assets)

Mar-09

Apr-09

May-09

Jun-09


48

Jul-09

Aug-09

Sep-09

Pembiayaan yang Diberikan (Financing)

Oct-09

Nov-09

Dec-09


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

2,000,000

1,500,000

1,000,000

500,000

Dec-08

Jan-09

Feb-09

Aset (Assets)

Mar-09

Apr-09

May-09

Jun-09


49

Jul-09

Aug-09

Sep-09

Pembiayaan Yang Diberikan (Financing)

Oct-09

Nov-09

Dec-09


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

120.00% 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% Dec-08

Jan-09

Feb-09

Mar-09

% Aset (Assets Growth)

Apr-09

May-09

Jun-09

% DPK (Dep. Funds Growth)

50

Jul-09

Aug-09

Sep-09

% PYD (Financing Growth)

Oct-09

Nov-09 FDR

Dec-09


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

140.00% 120.00% 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% Dec-08

Jan-09

Feb-09

Mar-09

% Aset (Assets Growth)

Apr-09

May-09

Jun-09

% DPK (Dep. Funds Growth)

51

Jul-09

Aug-09

Sep-09

% PYD (Financing Growth)

Oct-09 FDR

Nov-09

Dec-09


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 2009 (December 2009)

52


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

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

Dana Pihak Ketiga (Depositor Funds) 64.3%

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


53


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%


54


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%


55


Triliun Rupiah (in Trillion IDR) 50.00

45.00

Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit) 10% Pembiayaan Yang Diberikan (Financing)

NPF (percentage)

9%

40.00

8%

35.00

7%

30.00

6%

25.00

5%

20.00

4%

15.00

3%

10.00

2%

5.00

1%

0.00

0%

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09

56

Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09


Juta Rupiah (in Million IDR)

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

1,600,000.00

12% Pembiayaan Yang Diberikan (Financing)

NPF (percentage)

1,400,000.00 10% 1,200,000.00 8%

1,000,000.00

800,000.00

6%

600,000.00 4% 400,000.00 2% 200,000.00

0.00

0%

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

57

Statistik Perbankan Syariah. (Islamic Banking Statistics)

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