NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN

NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS

(Miliar / Billion Rp)

I.1.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM DAN KREDIT PERBANKAN

NET EXPANSION OF MSMEs CREDIT AND BANKING CREDIT . I.1.A

2011

Net Ekspansi

2008

2009

2010

Kredit UMKM
Kredit Non UMKM
Kredit Perbankan
Persentase terhadap Rencana
Bisnis Kredit MKM

s.d Juni

s.d Sept

2012

s.d Okt

s.d Nov

s.d Des

42,362.8
144,908.1
187,270.9

63,499.4
259,409.2
322,908.7

66,818.1
283,990.0
350,808.1

72,740.6
319,540.6
392,281.3

33.05%

49.53%

52.12%

56.74%

s.d Jan

85,587.6
363,016.3
448,604.0

s.d Feb

s.d Mar

s.d Apr

s.d Mei

-36,372.2
-3,772.2
-40,144.4

-9,086.8
11,319.0
2,232.2

1,289.4
66,875.4
68,164.8

11,830.9
108,985.2
120,816.0

27,004.1
164,258.3
191,262.4

-24.09%

-6.02%

0.85%

7.84%

17.89%

Persentase terhadap Rencana

Bisnis Kredit MKM

2008

136,270.8
169,020.6
5,735.5
311,027.0
101.09%

2009

2010

s.d Juni

s.d Sept

2012

s.d Okt

s.d Nov

s.d Des

s.d Jan

s.d Feb

s.d Mar

s.d Mei

194,807.3
142,951.5
-3,085.7
334,673.1

110,500.7
83,963.0
1,875.3
196,339.0

172,720.2
156,636.6
2,620.0
329,356.8

191,312.3
165,753.3
2,810.6
359,876.3

209,820.7
188,240.4
3,288.3
401,349.9

230,150.3
224,711.1
2,810.7
457,672.1

-37,442.5
-4,543.1
1,841
-40,144.4

-13,493.4
15,010.1
715
2,232.2

11,146.3
56,043.2
975
68,164.8

35,004.9
84,160.9
1,650
120,816.0

56,768.3
131,263.6
3,230
191,262.4

96,220.7
159,723.9
3,127
259,072.0

77.58%

111.99%

2009

2010

s.d Juni

s.d Juni

MSM Credit
Non MSM Credit
MSM Credit cards
Total Credit
Percentage on Business Plan of MSM
Credit

NET EXPANSION OF MSMEs CREDIT BASED ON ENTERPRISES CLASSIFICATION .I.2.A

2011

2008

Net Expansion

s.d Apr

106,456.1
20,300.4
6,344.0
133,100.4

I.2.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KLASIFIKASI USAHA

Net Ekspansi

33.47% MSMEs Credit

NET EXPANSION OF MSM CREDIT AND BANKING CREDIT . I.1.B

2011

Net Ekspansi

50,530.3 MSMEs Credit

208,541.7 Non MSMEs Credit
259,072.0 Total Credit
Percentage on Business Plan of

66.76%

I.1.B PERKEMBANGAN NET EKSPANSI KREDIT MKM DAN KREDIT PERBANKAN

Kredit MKM
Kredit Non MKM r
Kartu Kredit MKM
Kredit Perbankan

Net Expansion

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

Mar

s.d Apr

s.d Mei

s.d Juni

Net Expansion

Kredit Usaha Mikro

Kredit Usaha Kecil

12,422.8
18,387.8

20,820.0
7,792.6

17,030.8
10,061.7

17,030.3
10,450.3

18,607.0
13,278.8

-13,102
-10,866

760.9
-3,600.9

2,252.9
-47.3

-1,207.7
5,649.4

8,379.7
9,430.1

13,157.4 Micro Enterprises Credit

17,151.5 Small Enterprises Credit

Kredit Usaha Menengah

11,552.1

34,886.8

39,725.6

45,260.0

53,701.8

-12,404

-6,246.8

-916.1

7,389.1

9,194.2

20,221.4 Medium Enterprises Credit

Net Ekspansi Kredit UMKM

42,362.8

63,499.4

66,818.1

72,740.6

85,587.6

-36,372

-9,086.8

1,289.4

11,830.9

27,004.1

I.2.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT PLAFON

2011
Net Ekspansi

2008

2009

2010

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

s.d Mar

s.d Apr

s.d Mei

Kredit Mikro (Rp 0-Rp 50 Jt)

31,551.0

21,123.5

28,853.3

15,160.8

30,252.3

33,505.3

37,460.0

39,842.2

-14,726.7

-24,580.5

-21,228.0

-15,707.9

-21,086.9

Kredit Kecil (>Rp 50 Jt-Rp500Jt)

Kredit Menengah (>Rp500 JtRp5M)

66,576.2

62,622.9

111,752.1

62,863.2

93,393.9

103,396.7

110,794.6

119,411.5

-10,948.3

12,841.6

23,598.0

30,166.7

47,404.0

38,143.6

22,709.6

54,201.9

32,476.7

49,074.0

54,410.4

61,566.1

70,896.6

-11,767.6

-1,754.6

8,776.3

20,546.0

30,451.2

136,270.8

106,456.1

194,807.3

110,500.7

172,720.2

191,312.3

209,820.7

230,150.3

-37,442.5

-13,493.4

11,146.3

35,004.9

56,768.3

Net Ekspansi Kredit MKM

50,530.3 Total Net Expansion of MSME

NET EXPANSION OF MSM CREDIT BASED ON PLAFOND .I.2.B

s.d Juni

Net Expansion

-12,911.0 Micro Credit (up to IDR50 million)

Small Credit (>IDR50 million 63,614.0 IDR500 million)
Medium Credit (>IDR500 million-IDR5
45,517.7 billion)
96,220.7 Total Net Expansion of MSM

NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN
NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS

(Miliar / Billion Rp)

I.3.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT SEKTOR EKONOMI

NET EXPANSION OF MSMEs CREDIT BASED ON ECONOMIC SECTORS .I.3.A

2011

Net Ekspansi

2008

2009

2010

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

Mar

s.d Apr

s.d Mei

s.d Juni

Net Expansion

1. Pertanian, Perburuan dan

Kehutanan
2. Perikanan
3. Pertambangan dan Penggalian
4. Industri pengolahan
5. Listrik, Gas dan Air

2,435.6
254.7
466.4
4,389.6
-291.2

5,707.0
370.8
526.1
5,728.3
128.1

7,523.7
481.2
391.5
6,632.8
-200.2

7,645.3
450.1
509.1
7,099.8
-146.6

10,814.6
506.2
799.5
9,371.0
-114.9

-1,494.0
-65.6
-314.7
-5,507.8
-45.2

2,411.8
-26.6
-129.4
-4,268.5
130.8

2,841.4
-16.3
55.0
-2,337.4
298.3

1,883.7
-30.9
577.8
-36.8
330.2

6,864.7
147.8
865.6
1,871.0
489.4

6. Konstruksi

1,324.8

3,767.1

4,592.3

4,915.7

4,280.6

-2,380.2

-1,188.2

-535.1

241.8

1,690.8

11,282.5

22,593.5

23,857.5

26,438.2

37,054.2

-14,645.3

-6,021.8

-1,442.8

5,616.1

13,369.0

1,124.1

1,744.3

2,029.3

2,566.6

2,964.7

-97.9

143.7

448.8

607.9

726.8

3,216.0
2,144.7

4,047.3
3,280.2

4,408.7
3,172.7

4,794.5
3,393.7

5,396.6
3,542.0

-739.9
-519.8

-636.1
-589.5

-1,830.4
-155.4

-1,584.3
3,206.6

-1,043.4
1,606.2

8,036.9

7,725.8

6,388.0

6,675.0

7,369.9

-562.1

-606.0

-320.7

-680.1

-535.1

190.6
216.5

188.5
153.0

189.9
196.7

130.8
293.4

145.9
318.8

13.9
-17.6

-23.3
0.6

10.3
89.5

10.9
47.3

-106.9
213.5

31,769.5 Wholesale and retail trade

Provision of accommodation and the
1,665.1 provision of eating and drinking
Transportation, warehousing and
645.2 communication
3,447.9 Financial Intermediaries
Real estate, Business Ownership, and
804.5 Business Services
Government Administration, defense
30.9 and compulsory social security
395.6 Education services

-66.6

121.6

200.1

146.0

246.3

-79.5

28.2

178.3

223.5

276.7

448.0 Health services and social activities

1,011.1

3,242.4

4,626.5

4,855.0

5,337.1

-327.6

-149.2

-39.0

-115.9

377.7

-186.3

-489.6

-527.9

-603.9

-528.7

-43.4

-66.0

-65.4

-82.0

-4.2

7. Perdagangan besar dan eceran

8. Penyediaan akomodasi dan
penyediaan makan minum
9. Transportasi, pergudangan dan
komunikasi
10. Perantara keuangan
11. Real estate, usaha persewaan
danAdministrasi
jasa perusahaan
12.
Pemerintahan,
pertahanan dan jaminan sosial
wajib
13. Jasa pendidikan
14. Jasa kesehatan dan kegiatan
sosial
15. Jasa kemasyarakatan, sosial
budaya, hiburan dan perorangan
lainnya
16. Jasa perorangan yang
melayani rumah tangga
17. Badan internasional dan
badan ekstra internasional lainnya
18. Kegiatan yang belum jelas
batasannya
19. Tidak teridentifikasi

1,299.8

1,807.4

1,927.7

1,923.9

2,270.7

-156.2

-122.8

-337.4

-794.5

-204.7

13,566.4
-8,052.7

10,914.8
-8,057.1

8,980.6
-8,052.9

9,710.5
-8,056.5

3,867.3
-8,054.2

-9,392.3
2.7

2,014.4
11.2

4,438.8
8.9

2,391.0
18.7

390.8
8.3

Net Ekspansi Kredit UMKM

42,362.8

63,499.4

66,818.1

72,740.6

-36,372.2

-9,086.8

1,289.4

11,830.9

27,004.1

85,587.6

I.3.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT SEKTOR EKONOMI

1. Pertanian, perburuan dan

sarana pertanian
2. Pertambangan
3. Perindustrian
4. Listrik, Gas dan Air
5. Perdagangan,
Konstruksi
6.
restoran dan
hotel
7. Pengangkutan, pergudangan
dan komunikasi
8. Jasa Dunia Usaha
9. Jasa Sosial
10. Lain-lain
Net Ekspansi Kredit MKM

2008

2009

2010

s.d Juni

Agriculture, hunting and forestry

Fishery
Mining and Quarrying
Processing industry
Electricity, Gas & Water

4,389.9 Construction

Social services, social, cultural,

1,228.7 entertainment and other individual
Individual services which serve
55.6 households
International agencies and othe
-2,345.8 International extra institutions
Business activities are not clearly
-9,175.4 defined
8.5 Un-identified
50,530.3 Total Net Expansion of MSME

NET EXPANSION OF MSM CREDIT BASED ON ECONOMIC SECTORS .I.3.B

2011

Net Ekspansi

11,803.4
302.9
1,286.5
3,247.0
522.3

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

s.d Mar

s.d Apr

s.d Mei

s.d Juni

3,732.2
296.3
8,348.7
274.3
3,883.0
24,103.2

3,437.9
2,437.7
-1,884.5
144.9
2,198.5
31,571.6

-4,826.0
2,816.3
11,330.4
273.4
2,635.8
8,422.2

1,617.2
169.0
5,700.2
19.2
2,098.4
11,203.4

4,313.8
2,493.9
9,995.7
201.8
4,403.6
25,601.9

6,001.8
1,564.2
11,318.1
222.2
5,569.7
27,020.5

6,451.3
2,021.9
14,387.0
109.7
6,047.3
30,182.6

9,506.2
1,994.6
15,024.8
361.0
4,468.9
40,640.4

-1,443.2
481.1
-2,434.0
-200.4
-2,249.7
-10,639.4

1,266.6
100.6
-2,737.0
-243.2
-1,697.6
-3,152.6

2,324.7
759.0
-1,313.2
-268.3
-1,374.8
2,940.7

2,066.5
1,648.0
3,115.1
-191.9
-342.1
10,887.8

6,471.4
1,607.4
2,416.0
-93.1
1,084.6
18,672.1

11,275.3
2,778.7
5,573.7
38.4
2,854.2
39,035.6

1,447.6
10,922.4
931.9
82,331.2

666.6
3,723.9
1,154.8
63,004.5

3,672.2
9,667.7
21,759.1
139,056.3

3,809.8
-14,016.5
58,193.2
41,706.8

5,328.6
-11,843.3
58,379.4
73,844.7

5,931.1
-10,171.9
58,674.4
85,182.2

(1,058.3)
20,718.6
59,023.5
71,937.1

-816.6
21,389.6
58,438.4
79,142.9

253.5
-5,578.5
-13,288.1
-2,343.7

114.4
-13,776.1
-2,470.1
9,101.6

453.1
-11,846.7
-739.8
20,211.6

817.5
-5,244.2
16,622.7
5,625.8

938.1
-8,814.9
-4,400.6
38,887.5

1,578.3
-4,396.1
-14,376.5
51,859.2

136,270.8

106,456.1

194,807.3

110,500.7

172,720.2

191,312.3

209,820.7

-37,442.5

-13,493.4

11,146.3

35,004.9

56,768.5

230,150.3

Net Expansion
Agriculture,hunting and agricultural
facilities
Mining
Manufacturing Industry
Electricity, Gas & Water
Construction
Trade, restaurants and hotels
Transportation, cargo storage and
communication
Business Services
Social Services
Others

96,220.7 Total Net Expansion of MSM

NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN
NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS

(Miliar / Billion Rp)

I.4.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT JENIS PENGGUNAAN

NET EXPANSION OF MSMEs CREDIT BASED ON TYPE OF USE. I.4.A

2011

Net Ekspansi

2008

2009

2010

Kredit Modal Kerja

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

Mar

s.d Apr

s.d Mei

s.d Juni

Net Expansion

Kredit Investasi
TidakTeridentifikasi

29,909.1
12,456.1
-2.5

45,939.6
17,566.3
-6.5

47,219.8
19,604.9
-6.7

50,328.7
22,418.1
-6.2

60,601.1
24,989.9
-3.3

-36,935.9
561.5
2.2

-10,203.4
1,112.2
4.4

-5,223.3
6,513.0
-0.3

6,611.2
5,202.8
16.9

18,312.9
8,692.4
0.0

37,145.5 Working Capital Credit

13,386.7 Investment Credit
-1.9 Unidentified

Net Ekspansi Kredit UMKM

42,362.8

63,499.4

66,818.1

72,740.6

85,587.6

-36,372.2

-9,086.8

1,289.4

11,830.9

27,004.1

50,530.3 Total Net Expansion of MSME

I.4.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT JENIS PENGGUNAAN

NET EXPANSION OF MSM CREDIT BASED ON TYPE OF USE. I.4.B

2011

Net Ekspansi
Kredit Modal Kerja
Kredit Investasi
Kredit Konsumsi
Net Ekspansi Kredit MKM

2008

2009

2010

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

s.d Mar

s.d Juni

Net Expansion

76,764.9
21,167.7
96,874.7

33,480.2
15,602.1
61,418.4

57,308.5
23,121.4
92,290.3

60,416.3
25,828.3
105,067.8

66,222.9
28,962.0
114,635.8

75,408.3
32,836.6
121,905.4

-35,461.0
444.8
-2,426.2

-23,527.9
1,017.3
9,017.2

-15,915.4
7,136.8
19,924.9

2,581.2
7,152.9
25,270.8

8,189.6
10,063.9
38,514.8

30,663.4 Working Capital Credit

14,115.9 Investment Credit
51,441.3 Consumer Credit

136,270.8

106,456.1

194,807.3

110,500.7

172,720.2

191,312.3

209,820.7

230,150.3

-37,442.5

-13,493.4

11,146.3

35,004.9

56,768.3

96,220.7 Total Net Expansion of MSM

NET EXPANSION OF MSMEs CREDIT BASED ON GROUP OF BANKS .I.5.A

2011

2008

2009

2010

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

Bank Persero

29,316.5

38,696.0

40,266.7

41,885.9

49,729.6

-25,386.4

-6,348.4

Bank Swasta
Swasta Nasional
Nasional Non
Devisa
Bank
Devisa
BPD
Bank Campuran
Bank Asing
BPR/BPRS

12,835.1

17,809.8

18,738.1

21,320.5

27,093.7

-7,736.7

2,169.7
-1,096.5
-2,630.2
376.4
1,391.8

3,710.4
463.9
-1,211.2
-118.9
4,149.4

4,946.4
671.3
-1,626.6
203.9
3,618.2

5,699.1
1,177.0
-1,397.5
170.4
3,885.1

5,907.5
-26.2
-1,254.3
64.1
4,073.3

550.6
-1,269.3
-5.7
-2,858.2
333.6

Net Ekspansi Kredit UMKM

42,362.8

63,499.4

66,818.1

72,740.6

85,587.6

-36,372.2

Mar

s.d Apr

2009

2010

s.d Juni

s.d Juni

Net Expansion

-3,954.1

5,688.5

-5,964.1

-672.9

6,824.0

3,928.5

22,545.6 State
Owned
BanksPrivate National
Foreign
Exchange
9,043.1 Non
Banks
Foreign Exchange Private

833.8
5,211.1
-156.5
-2,914.6
251.9

1,604.0
6,357.5
-479.1
-2,931.1
1,142.3

2,701.0
7,319.0
88.8
-3,001.9
1,854.1

3,319.0
8,773.3
280.8
2,748.0
2,266.0

4,121.0
11,253.3
370.6
699.8
2,496.9

-9,086.8

1,289.4

11,830.9

27,004.1

National Banks
Regional Development Banks
Joint Venture Banks
Foreign Owned Banks
Conventional/Islamic Rural Banks

50,530.3 Total Net Expansion of MSME

NET EXPANSION OF MSM CREDIT BASED ON GROUP OF BANKS .I.5.B

2011

2008

s.d Mei

-3,731.2

I.5.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT KELOMPOK BANK

Net Ekspansi

s.d Mei

33,194.2
9,397.0
63,864.9

I.5.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT KELOMPOK BANK

Net Ekspansi

s.d Apr

44,969.8
10,047.8
81,253.2

s.d Sept

s.d Okt

2012
s.d Nov

s.d Des

s.d Jan

s.d Feb

s.d Mar

s.d Apr

s.d Mei

s.d Juni

Net Expansion

Bank Persero

53,412.7

54,981.5

58,856.5

37,947.8

53,924.8

56,310.3

60,611.4

71,632.7

-28,893.2

-3,407.1

3,414.2

9,892.7

16,706.1

Bank Swasta Nasional Devisa

Bank Swasta Nasional Non
Devisa
BPD
Bank Campuran
Bank Asing
BPR/BPRS

49,650.4

18,309.2

78,093.3

51,792.5

78,911.3

73,950.3

82,234.3

90,369.3

-1,004.9

4,654.8

13,723.8

24,510.1

31,174.1

2,870.5
19,881.4
2,677.4
2,656.5
5,122.0

6,328.1
20,020.1
4,328.7
-527.3
3,015.7

11,523.7
18,885.7
12,082.5
9,955.2
5,410.4

-918.5
18,006.4
4,482.6
-2,981.0
2,170.8

1,802.8
25,326.8
7,965.0
81.3
4,708.2

14,096.9
27,976.8
7,810.8
6,582.5
4,584.7

15,673.8
29,852.3
8,541.7
7,764.8
5,142.4

17,210.8
28,462.9
8,550.1
8,384.3
5,540.2

735.1
-370.9
-8,977.9
602.2
467.1

1,687.9
2,026.6
-7,729.8
-11,505.1
779.3

3,189.6
5,541.2
-7,971.3
-8,557.8
1,806.6

4,593.1
9,693.9
-8,266.3
-8,325.0
2,906.4

6,314.0
13,951.0
-8,827.9
-6,350.1
3,801.0

29,437.7 State Owned Banks

Foreign Exchange Private National
45,427.6 Banks
Non Foreign Exchange Private
8,263.0 National Banks
18,921.4 Regional Development Banks
-8,352.8 Joint Venture Banks
-2,246.9 Foreign Owned Banks
4,770.9 Conventional/Islamic Rural Banks

136,270.8

106,456.1

194,807.3

110,500.7

172,720.2

191,312.3

209,820.7

230,150.3

-37,442.5

-13,493.4

11,146.3

35,004.9

56,768.3

96,220.7 Total Net Expansion of MSM

Net Ekspansi Kredit MKM

NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN
NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS

(Miliar / Billion Rp)

I.6.A PERKEMBANGAN NET EKSPANSI KREDIT UMKM MENURUT LOKASI PROYEK DI PROPINSI

NET EXPANSION OF MSMEs CREDIT BASED ON MAIN PROJECT LOCATIONS .I.6.A

2011

Net Ekspansi
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

Jawa Barat
Banten
DKI Jakarta Raya
D.I. Yogyakarta
Jawa Tengah
Jawa Timur
Bengkulu
Jambi
N. Aceh Darussalam
Sumatera Utara
Sumatera Barat
Riau
Sumatera Selatan
Kepulauan Riau
Bangka Belitung
Lampung
Kalimantan Selatan
Kalimantan Barat
Kalimantan Timur
Kalimantan Tengah
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Utara
Sulawesi Barat
Gorontalo
Sulawesi Tenggara
Nusa Tenggara Barat
Bali
Nusa Tenggara Timur
Maluku
Papua
Maluku Utara
Papua Barat
Bank Diluar Negeri
Tidak Teridentifikasi
Net Ekspansi Kredit UMKM

2008

2009

2010

s.d Juni

s.d Sept

s.d Okt

2012
s.d Nov

12,976.7
267.4
-26,960.2
1,523.3
12,302.5
9,483.1
640.6
1,867.2
1,781.7
5,011.9
1,985.0
2,859.8
3,244.1
661.6
119.1
1,342.3
1,798.5
1,697.7
-242.2
918.9
1,031.8
2,673.3
1,436.7
721.0
479.9
1,025.7
681.5
2,625.6
362.8
496.3
945.8
362.4
655.5
-261.0
-4,153.1

15,139.7
635.9
-4,283.7
1,033.7
15,535.3
12,088.8
1,844.4
1,668.8
-24,963.9
5,943.0
2,152.9
3,371.9
3,883.5
2,161.4
1,471.6
833.7
2,439.9
485.6
431.1
498.0
1,041.4
3,474.4
1,777.6
1,379.1
1,194.5
1,739.3
1,315.0
3,697.8
592.4
1,053.4
1,873.6
574.2
806.8
810.0
-201.5

15,915.1
2,168.7
-27,204.8
1,854.2
14,751.0
12,488.1
1,063.3
2,039.0
1,923.2
6,606.8
2,516.9
3,724.5
4,400.5
1,170.5
804.3
1,583.3
2,105.8
2,299.7
861.3
1,440.2
1,500.0
3,961.8
1,959.9
818.0
751.6
1,268.0
1,081.5
3,429.5
635.0
575.7
1,548.8
464.0
815.5
-219.5
-4,283.7

16,499,680
2,342,562
-25,794,664
1,949,932
15,175,004
12,381,687
1,131,876
2,157,968
2,049,366
7,301,092
2,599,208
3,876,100
4,491,089
1,519,928
573,405
1,588,628
2,088,912
2,530,534
1,194,340
1,519,692
1,548,076
4,227,190
2,061,685
810,686
703,373
1,304,253
1,339,487
3,821,969
673,131
590,039
1,678,693
484,263
820,970
-212,824
-4,286,711

42,362.8

63,499.4

66,818.1

72,740.6

s.d Des

s.d Jan

s.d Feb

Mar

s.d Apr

s.d Mei

18,710.7
3,392.0
-23,432.3
2,026.9
16,156.4
13,076.8
1,285.5
2,589.3
1,672.6
7,799.7
2,984.1
4,372.5
1,777.1
4,508.3
866.4
2,181.0
2,144.5
2,892.1
1,398.2
1,522.7
1,849.6
4,948.9
1,847.8
862.2
939.9
1,367.0
1,630.6
4,219.6
671.2
601.1
1,694.1
566.8
952.5
-172.7
-4,315.6

-3,451.3
-1,659.3
-7,358.6
-1,071.5
-5,972.9
-6,152.0
-67.6
-258.7
-327.1
-2,218.3
-297.9
-906.5
-55.8
-186.5
-208.4
-454.6
-166.8
-533.1
-796.0
-128.1
-288.8
-761.4
-211.6
-37.6
-28.0
-72.2
-565.6
-1,216.9
-138.4
-83.5
-347.6
-9.9
-128.5
14.8
-225.7

769.2
-444.6
-3,743.9
-101.6
-253.6
-2,448.4
41.2
-81.0
-213.5
-1,031.2
-87.8
-5.7
398.1
0.8
-146.7
-276.8
-36.6
-97.5
-473.3
-28.9
-184.4
-349.1
-100.1
-1.4
39.5
55.2
68.7
-55.4
-64.6
-41.1
-211.5
38.3
-15.7
35.4
-38.9

482.0
-93.0
-1621.5
48.9
1275.7
-1386.3
115.6
101.7
-97.6
-516.5
77.1
311.5
698.4
158.4
-193.0
534.2
200.0
103.7
3.8
53.8
-84.4
49.4
139.5
28.4
94.9
106.9
299.1
246.0
70.1
-4.8
-25.7
91.6
40.1
45.9
-64.4

1,941.0
1,473.0
628.7
129.6
1,334.7
-104.9
167.1
101.8
140.9
-74.9
406.2
569.1
854.7
552.0
-24.7
727.4
216.1
180.0
184.7
259.8
-66.2
118.7
60.9
198.1
53.6
186.9
495.0
829.1
242.0
-11.6
72.7
93.8
60.2
37.6
-202.3

4,052.9
514.8
2,031.0
492.6
3,288.8
2,057.4
299.1
551.1
243.6
2,736.8
910.7
747.9
1,643.4
557.7
140.3
815.0
457.5
184.6
511.5
499.1
238.8
318.5
162.6
238.1
106.9
382.4
697.4
1,097.0
323.2
99.3
267.8
192.1
184.3
83.1
-123.2

85,587.6

-36,372.2

-9,086.8

1,289.4

11,830.9

27,004.1

s.d Juni

6,720.6
1,445.5
5,921.1
678.3
5,705.0
4,705.0
441.9
949.6
863.3
3,553.3
1,421.8
1,321.9
2,111.7
987.0
253.8
949.7
960.5
612.3
1,473.9
649.9
519.5
1,243.6
926.2
307.5
411.6
769.7
984.0
1,814.2
515.0
187.9
459.1
355.4
330.6
96.7
-116.7

Net Expansion
West Java
Banten
DKI Jakarta Raya
Yogyakarta
Central Java
East Java
Bengkulu
Jambi
N. Aceh Darussalam
North Sumatera
West Sumatera
Riau
South Sumatera
Riau Islands
Bangka Belitung
Lampung
South Borneo
West Borneo
East Borneo
Central Borneo
Central Sulawesi
South Sulawasi
North Sulawesi
West Sulawesi
Gorontalo
Southeast Sulawesi
West Nusa Tenggara
Bali
East Nusa Tenggara
Maluku
Papua
North Maluku
West Papua
Foreign Banks
Unidentified

50,530.3 Total Net Expansion of MSME

NET EKSPANSI KREDIT USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) PERBANKAN
NET EXPANSION OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) CREDITS

(Miliar / Billion Rp)

I.6.B PERKEMBANGAN NET EKSPANSI KREDIT MKM MENURUT LOKASI PROYEK DI PROPINSI

NET EXPANSION OF MSM CREDIT BASED ON 10 MAIN PROJECT LOCATIONS. I.6.B

2011

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

Jawa Barat
Banten
DKI Jakarta
D.I. Yogyakarta
Jawa Tengah
Jawa Timur
Bengkulu
Jambi
D.I. Aceh
Sumatera Utara
Sumatera Barat
Riau
Sumatera Selatan
Kep. Riau
Bangka Belitung
Lampung
Kalimantan Selatan
Kalimantan Barat
Kalimantan Timur
Kalimantan Tengah
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Utara
Sulawesi Barat
Gorontalo
Sulawesi Tenggara
Nusa Tenggara Barat
Bali
Nusa Tenggara Timur
Maluku
Papua
Maluku Utara
Papua Barat
Luar Indonesia
Net Ekspansi Kredit MKM

2008

s.d Juni

s.d Sept

s.d Okt

2012

2009

2010

s.d Nov

20,729.2
7,910.8
21,902.3
1,685.8
11,845.8
13,796.6
1,369.7
2,211.9
2,877.4
7,950.5
2,864.6
4,619.3
3,847.9
1,704.3
523.7
2,912.8
2,283.4
1,581.6
2,805.4
982.8
1,319.4
5,047.1
2,290.9
721.7
643.0
1,128.5
1,479.6
3,426.6
1,301.6
733.5
1,266.6
409.9
357.1
-260.5

15,727.6
1,763.3
18,710.2
1,322.7
8,654.3
12,048.2
989.2
1,435.5
3,011.0
5,367.6
2,147.6
3,188.1
4,054.0
1,126.8
533.0
1,325.7
1,685.5
1,812.1
2,358.2
1,230.2
1,195.1
4,638.0
1,570.5
23.8
983.9
851.8
1,413.4
2,924.7
1,291.5
696.0
1,272.1
418.3
556.6
129.8

18,238.3
12,684.5
110,813.9
142.2
5,348.0
10,040.8
347.3
496.1
1,380.4
3,821.2
2,295.4
3,188.6
2,940.9
1,147.6
2,162.6
1,457.0
1,976.2
110.1
3,383.3
691.1
933.7
3,198.3
721.5
-454.4
86.9
-1,923.2
477.9
3,030.0
2,856.4
387.7
206.7
130.3
-474.9
1,265.0

24,827.8
848.8
-55,093.0
2,192.7
18,630.7
21,413.6
2,085.6
3,224.9
4,019.5
9,346.6
4,868.7
5,021.5
5,965.1
2,217.2
308.2
3,814.0
3,205.8
2,913.4
3,953.7
1,749.7
3,177.3
8,417.0
2,249.0
1,494.1
2,716.4
2,379.3
2,855.5
4,783.2
2,443.4
1,103.1
2,279.0
854.9
1,598.6
8,635.2

36,175.2
4,818.1
-51,653
3,133.2
24,255.7
27,812.2
2,773.3
4,519.6
4,548.1
12,284.6
6,091.9
7,257.0
8,345.8
2,988.2
796.5
5,385.9
4,393.6
3,927.5
5,878.0
2,451.4
3,768.2
10,918.9
3,165.3
1,688.6
2,992.3
3,078.2
3,588.1
6,301.9
3,177.0
1,413.3
2,894.2
1,079.8
1,830.4
10,641.4

39,459.6
9,167.6
-51,890
3,368.2
25,216.0
29,576.0
2,881.8
5,010.2
4,700.8
13,435.7
6,339.0
7,900.2
8,746.8
3,193.6
1,268.8
5,600.7
4,773.3
4,307.4
6,452.5
2,708.4
4,007.8
11,715.5
3,430.5
1,745.4
3,188.7
3,297.2
3,750.3
6,772.7
3,313.5
1,489.0
3,096.5
1,151.0
1,882.1
10,255.8

43,033.0
11,078.0
-52,365
3,518.1
26,741.3
31,517.9
3,082.6
5,477.2
4,813.7
14,518.4
6,733.5
8,735.5
9,437.6
3,696.4
1,480.0
6,127.2
5,114.3
4,779.6
7,158.3
2,917.8
4,187.4
12,262.8
3,726.1
1,794.3
3,250.6
3,479.8
3,997.0
7,361.1
3,433.3
1,572.5
3,302.0
1,189.5
1,987.8
10,681.4

136,270.8

106,456.1

194,807.3

110,500.7

172,720.2

191,312.3

209,820.7

s.d Des

46,719.1
13,577.5
-50,123.4
3,753.3
28,052.3
33,638.6
2,768.7
5,995.2
4,497.9
15,768.4
7,241.1
9,411.2
9,345.0
4,141.8
1,760.1
6,642.1
5,347.9
5,056.2
7,709.6
3,053.5
4,783.8
13,246.2
3,366.9
1,861.7
3,697.4
3,740.4
4,277.6
8,254.3
3,454.7
1,609.7
3,238.4
1,335.9
2,112.5
10,814.7
230,150.3

s.d Jan

s.d Feb

s.d Mar

s.d Apr

s.d Mei

s.d Juni

Net Expansion
West Java
Banten
DKI Jakarta Raya
Yogyakarta
Central Java
East Java
Bengkulu
Jambi
N. Aceh Darussalam
North Sumatera
West Sumatera
Riau
South Sumatera
Riau Islands
Bangka Belitung
Lampung
South Borneo
West Borneo
East Borneo
Central Borneo
Central Sulawesi
South Sulawasi
North Sulawesi
West Sulawesi
Gorontalo
Southeast Sulawesi
West Nusa Tenggara
Bali
East Nusa Tenggara
Maluku
Papua
North Maluku
West Papua
Outside Indonesia

-1,967.3
-2,058.6
-9,985.9
-1,447.7
-6,968.7
-6,640.1
51.4
-10.5
-276.3
-1,410.2
-204.4
-733.9
-256.9
-54.7
8.6
54.6
-107.5
-753.2
-701.7
-73.8
-129.0
-720.1
-247.6
2.8
29.2
29.4
-1,354.9
-1,303.6
-150.8
47.9
-213.0
-2.4
-105.0
211.1

133.3
-1,102.7
-16,962.2
-88.5
-10.5
-383.0
638.0
174.1
-85.2
538.7
132.3
456.3
416.2
107.3
-111.7
412.1
89.2
245.2
-72.2
26.7
132.2
316.2
-204.9
84.0
209.2
237.1
163.7
355.6
13.6
122.5
-35.8
69.6
30.0
460.2

3,015.6
-32.3
-11,128.8
147.6
1,824.4
2,230.7
807.9
579.2
205.4
1,771.6
646.8
1,116.9
1,012.5
461.4
311.5
867.9
471.9
747.3
613.8
155.7
357.9
1,030.2
83.5
161.6
345.3
419.0
501.6
962.4
260.2
212.5
253.0
158.0
188.7
385.3

5,519.0
940.3
-3,660.3
357.1
3,164.6
5,410.6
971.3
780.7
348.8
3,126.7
1,107.3
1,826.7
1,609.0
660.2
27.3
1,288.2
720.5
1,093.8
1,094.3
328.2
575.5
1,845.3
316.8
141.1
425.1
610.2
794.2
1,528.3
475.7
263.4
547.5
191.7
282.4
293.4

9,090.2
2,421.4
-2,286.9
614.1
5,676.6
7,711.9
1,167.3
1,144.1
551.5
4,424.6
1,617.3
2,439.1
2,125.5
985.0
173.3
1,714.6
981.4
1,457.9
1,665.0
515.6
821.8
2,528.0
668.4
226.4
519.2
840.7
1,091.3
2,260.2
802.8
360.3
887.9
306.6
408.5
856.8

14,862.8
4,487.5
5,864.2
1,017.4
8,313.7
12,067.7
1,424.7
1,692.0
857.9
6,951.5
2,270.8
3,631.3
2,936.4
1,432.3
342.2
2,056.4
1,520.4
1,962.1
2,598.8
2,489.0
1,170.5
3,687.2
1,323.7
337.3
560.9
1,049.5
1,519.5
3,139.6
1,154.8
481.7
1,345.2
441.4
622.4
607.7

-37,442.5

-13,493.4

11,146.2

35,004.9

56,768.3

96,220.7 Total Net Expansion of MSM

r) Revision Figures From September 2011 Untill may 2012

r ) Angka revisi sejak September 2011 sampai dengan Mei 2012
1
Sumber data: Bank Indonesia (Grup Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU)
Data source: Bank Indonesia (Group of Rural Banks and MSMEs Development-Directorate of Credit,
dan Laporan Bulanan BPR/BPRS.
Rural Banks and MSMEs), processed from Commercial Banks' Monthly Reports and Rural Banks/Islamic Rural Banks' Monthly Report.
- Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit dan data BPRS.
MSM Credit not included credit to credit card holders; while total credit and non MSM Credit included credit to credit card and Islamic Rural Banks
- Net Ekspansi adalah hasil pengurangan antara baki debet pada akhir bulan berjalan dengan baki debet pada
Net expansion is the subtraction of credit outstanding in one period to the end period of previous year credit outstanding
akhir tahun sebelumnya (sudah memperhitungkan pelimpahan dan angsuran)
- Untuk Kredit UMKM : Belum termasuk Bank Umum Syariah (BUS) , tetapi sudah
MSMEs Credit : not included Islamic Commercial Banks but included Conventional Rural Banks and Islamic Rural Banks . On June 2012, Conventional and Islamic Rural Bank is using data of May
BPR MKM
dan BPRS
menggunakan
Mei 2012.
2012.
-termasuk
Untuk Kredit
: s.d Desember
2010data
termasuk
BUS dan BPR/BPRS,
menggunakan nilai nominal (Nominal Value); sejak 2011 termasuk BUS dan BPR
MSM Credit until Dec 2010 included Islamic Commercial Banks and Conventional Rural Banks/Islamic Rural Bank is using nominal value; Since January 2011 included Islamic Commercial Banks and
(tidak termasuk BPRS), menggunakan nilai pasar (Fair Value). Pada posisi Juni 2012,
Conventional Rural Banks using Fair value. On June 2012, Conventional Rural Bank using data of May 2012.
data BPR mengunakan data Mei 2012
- Sudah termasuk net ekspansi BPR/BPRS
Rencana Bisnis Bank untuk Kredit MKM 2010 (revisi) = Rp172,9 T.
Revised Business Plan of Micro, Small, and Medium Enterprises(MSMEs) Credit 2010 = IDR172,9 trillion.
Rencana Bisnis Bank untuk Kredit UMKM 2011 (revisi) = Rp128,2 T.
Revised Business Plan of Micro, Small, and Medium Enterprises(MSMEs) Credit 2011 = IDR128.2 trillion.
Rencana Bisnis Bank untuk Kredit UMKM 2012 = Rp150,9 T.
Business Plan of Micro, Small, and Medium (MSM) Credit 2012 = IDR150.9 trillion.