Post on 18-Dec-2015
description
PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS1
(Miliar Rp/Billions of IDR )
III. PERKEMBANGAN NPL KREDIT MKM NPL OF MSM CREDITS .III
Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total %
Kredit Mikro (Rp0-Rp50
jt) 7,646.3 4.20% 7,823.0 3.86% 9,409.1 4.02% 11,027.8 4.32% 10,890.3 5.41% 11,313.6 5.45% 12,276.0 4.66% 9,523.0 3.64% 9,772.9 3.64% 9,343.6 3.41% 9,678.9 3.46% 10,024.8 3.58% 10,522.0 3.73% 10,103.2 3.57% 9,273.1 3.33% 8,864.1 3.13%
Micro Credits (up to
IDR50 million)
Kredit Kecil (>Rp 50 jt-
Rp500jt)4,652.3 4.00% 5,105.9 3.30% 4,802.6 2.17% 5,810.3 2.05% 6,540.3 2.20% 6,919.0 2.26% 7,003.3 2.23% 7,238.0 2.24% 7,745.0 2.33% 7,345.5 2.14% 7,607.0 2.16% 7,913.6 2.18% 7,999.3 2.17% 8,324.7 2.20% 8,758.9 2.26% 7,883.6 1.99%
Small Credits
(>IDR50million -
IDR500 million)
Kredit Menengah
(>Rp500 jt-Rp5M) 6,468.3 4.98% 6,366.2 3.81% 7,032.9 3.43% 7,906.3 3.47% 8,416.6 3.81% 8,721.3 3.87% 8,663.2 3.70% 8,912.2 3.75% 9,526.5 3.93% 9,023.2 3.58% 9,214.5 3.64% 9,412.8 3.60% 9,291.7 3.52% 9,672.8 3.62% 10,867.9 3.96% 9,396.9 3.33%
Medium Credits
(>IDR500 million - IDR5
NPL-gross Kredit
MKM **) 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Kredit Modal Kerja10,735.0 5.93% 10,624.1 4.92% 11,967.4 4.59% 14,029.6 4.77% 12,194.3 4.66% 12,715.6 4.68% 13,365.6 4.35% 13,780.1 4.46% 14,397.7 4.58% 13,825.0 4.19% 14,239.4 4.26% 14,901.8 4.15% 15,070.2 4.24% 15,371.2 4.29% 16,818.1 4.64% 15,419.8 4.17% Working Capital Credits
Kredit Investasi 2,855.3 7.49% 2,682.1 5.82% 2,768.4 4.93% 2,946.7 4.50% 2,920.5 4.32% 3,072.2 4.34% 3,037.0 4.26% 3,123.7 4.35% 3,242.0 4.53% 2,944.7 3.47% 3,215.9 3.71% 3,171.0 3.88% 2,920.5 3.57% 3,082.4 3.66% 3,104.5 3.65% 2,779.9 3.21% Investment Credits
Kredit Konsumsi 5,176.6 2.48% 5,988.8 2.28% 6,508.9 1.90% 7,768.1 1.91% 10,732.2 2.75% 11,166.2 2.82% 11,540.0 2.66% 8,769.3 1.99% 9,404.8 2.06% 8,942.6 1.97% 9,045.1 1.95% 9,278.5 2.00% 9,822.2 2.06% 9,647.1 1.98% 8,977.4 1.82% 7,945.1 1.58% Consumer Credits
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Pertanian, perburuan
dan sarana pertanian 1,237.2 8.25% 1,252.0 7.16% 1,177.8 5.55% 1,586.9 6.44% 789.4 5.36% 767.6 5.19% 937.9 5.51% 961.4 5.57% 891.6 5.17% 770.3 4.21% 999.1 4.67% 1,035.1 5.05% 1,040.5 5.17% 1,062.0 5.39% 1,112.4 5.68% 878.7 4.45%
Agriculture,hunting and
agricultural facilities
Pertambangan 122.8 9.37% 102.5 6.71% 96.5 5.29% 93.0 2.18% 90.2 4.09% 82.3 2.11% 94.9 1.78% 128.3 2.30% 157.5 2.53% 286.0 4.15% 119.3 1.66% 125.4 2.06% 195.5 3.09% 106.0 1.60% 113.1 1.70% 126.5 1.79% Mining
Perindustrian 2,226.7 6.03% 2,082.9 5.46% 3,495.8 7.52% 2,646.7 5.93% 2,516.9 5.20% 2,564.4 5.13% 2,523.1 5.00% 2,485.5 4.97% 2,631.1 5.16% 2,457.7 4.68% 2,627.3 5.01% 2,650.7 4.86% 2,642.7 4.86% 2,680.7 4.97% 2,720.4 5.01% 2,487.6 4.45% Manufacturing Industry
Listrik, Gas dan Air 21.5 1.45% 13.9 4.84% 7.6 1.35% 17.9 2.54% 12.3 2.03% 15.5 2.50% 17.3 2.69% 14.9 2.13% 19.9 2.93% 20.0 2.71% 20.3 2.31% 21.5 2.27% 20.3 2.10% 22.4 1.19% 29.8 2.17% 31.1 3.18% Electricity, Gas & Water
Konstruksi 570.8 5.64% 602.4 4.54% 807.3 4.71% 1,186.3 6.13% 1,113.2 6.67% 1,161.9 6.96% 1,078.3 6.13% 1,176.2 6.52% 1,444.6 7.14% 1,286.0 6.27% 1,270.3 6.10% 1,313.7 6.11% 1,258.0 5.74% 1,445.8 6.25% 1,593.9 6.80% 1,285.4 5.87% Construction
Perdagangan, restoran
dan hotel 7,371.6 6.45% 7,316.2 5.13% 7,077.8 4.25% 8,840.7 4.46% 7,002.9 4.72% 7,497.8 4.88% 7,876.4 4.51% 8,114.8 4.62% 8,199.3 4.66% 7,682.9 4.16% 9,126.2 4.52% 9,409.5 4.57% 9,340.2 4.57% 9,361.2 4.64% 10,552.5 5.16% 9,699.1 4.71%
Trade, restaurants and
hotels
Pengangkutan,
pergudangan dan
komunikasi 711.9 10.76% 435.5 6.04% 372.9 4.31% 414.8 4.45% 595.7 5.30% 561.5 4.96% 577.0 4.97% 595.3 5.09% 596.8 5.10% 588.3 4.84% 578.6 4.66% 566.3 4.73% 587.7 4.86% 624.8 4.89% 590.6 4.56% 481.6 3.71%
Transportation, cargo
storage and
communication
Jasa Dunia Usaha 977.9 3.86% 1,088.3 3.33% 1,272.2 2.92% 1,604.8 3.39% 1,118.4 2.49% 1,261.2 2.62% 1,214.9 2.35% 1,314.2 2.50% 1,369.9 2.57% 1,188.2 2.31% 1,190.0 2.37% 1,211.7 2.38% 1,331.5 2.34% 1,129.6 2.10% 1,131.7 2.10% 1,339.2 2.36% Business Services
Jasa Sosial 186.4 3.09% 249.3 3.73% 240.9 3.17% 292.0 3.33% 574.3 4.19% 686.3 4.85% 728.6 5.04% 758.3 5.18% 805.5 5.31% 986.9 3.18% 977.7 3.21% 1,073.7 3.04% 996.6 3.42% 1,364.3 4.20% 1,205.1 3.94% 1,101.4 3.61% Social Services
Lain-lain 5,340.0 2.53% 6,152.0 2.33% 6,695.9 1.93% 8,061.3 1.97% 12,033.9 2.87% 12,355.4 2.90% 12,894.0 2.75% 10,124.2 2.13% 10,928.0 2.22% 10,446.0 2.13% 9,591.4 1.97% 9,943.7 2.00% 10,399.9 2.05% 10,303.9 1.97% 9,850.5 1.85% 8,714.1 1.59% Others
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Bank Persero 8,595.6 5.93% 8,178.0 4.63% 7,812.2 3.39% 9,783.6 3.43% 7,508.1 3.39% 7,969.2 3.52% 8,674.2 3.00% 8,996.3 3.05% 9,881.9 3.29% 9,069.4 2.96% 9,418.4 3.02% 9,716.0 3.05% 9,474.0 2.95% 9,889.9 3.04% 11,769.9 3.52% 10,459.5 3.04% State Banks
Bank Swasta Nasional
Devisa6,291.8 3.53% 6,520.9 3.00% 7,075.9 2.65% 7,943.3 2.78% 8,191.1 2.89% 8,423.1 2.90% 8,300.2 2.79% 8,560.6 2.83% 8,677.1 2.80% 8,299.0 2.59% 8,637.4 2.62% 8,745.4 2.59% 8,966.7 2.61% 8,911.0 2.55% 8,982.4 2.53% 8,595.3 2.36%
Foreign Exchange
Private National Banks
Bank Swasta Nasional
Non Devisa560.3 3.30% 421.1 2.04% 364.6 1.55% 523.3 1.75% 573.3 1.94% 603.3 1.99% 637.4 2.02% 664.4 2.04% 730.4 2.13% 808.2 2.12% 810.8 2.20% 881.0 2.31% 873.8 2.26% 929.1 2.35% 938.3 2.33% 909.5 2.20%
Non Foreign Exchange
Private National Banks
BPD872.4 1.65% 1,130.0 1.67% 1,195.0 1.36% 1,660.7 1.54% 1,984.6 1.85% 2,122.7 1.94% 2,301.0 2.06% 2,325.3 2.04% 2,522.9 2.17% 2,497.2 2.09% 2,626.5 2.17% 2,666.4 2.16% 2,676.2 2.16% 2,863.1 2.27% 2,863.4 2.25% 2,362.1 1.87%
Regional Development
Banks
Bank Campuran 192.5 3.86% 171.9 2.94% 277.6 3.26% 540.6 4.21% 843.1 4.22% 760.2 3.33% 655.8 2.95% 636.0 2.86% 554.6 2.42% 641.0 2.51% 628.4 2.58% 580.2 2.43% 607.5 2.48% 563.2 2.35% 521.3 2.30% 560.9 2.25% Joint Banks
Bank Asing 554.5 4.49% 1,159.4 8.15% 2,078.0 12.31% 2,268.6 13.87% 4,597.7 16.68% 4,869.9 16.59% 5,178.3 17.94% 2,244.6 9.17% 2,459.2 9.14% 2,212.8 8.60% 2,114.6 7.88% 2,443.3 8.75% 2,845.1 10.23% 2,548.1 8.55% 1,547.8 5.80% 1,187.6 4.51% Foreign Banks
BPR/BPRS1,699.9 9.68% 1,713.8 8.02% 2,441.5 9.21% 2,024.2 6.86% 2,149.1 7.20% 2,205.5 7.23% 2,195.7 7.06% 2,246.0 7.05% 2,218.3 6.80% 2,184.8 6.56% 2,264.2 6.68% 2,318.8 6.68% 2,369.6 6.82% 2,396.4 6.81% 2,276.8 6.79% 2,069.7 6.12%
Rural/Islamic Rural
Banks
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
NPL-gross Kredit Non
MKM 29,271.8 8.07% 20,346.3 4.28% 20,044.0 3.11% 20,939.6 3.15% 23,572.2 3.43% 24,114.8 3.49% 21,041.9 3.26% 21,474.4 3.23% 22,580.4 3.27% 21,952.2 3.04% 22,087.2 3.09% 22,344.8 3.03% 21,500.4 2.88% 23,360.1 3.12% 24,153.5 3.14% 20,317.1 2.52%
NPL-gross of Non
MSM's Credits
NPL-gross Perbankan49,705.9 6.14% 42,480.6 4.15% 44,493.5 3.33% 49,591.7 3.38% 50,974.0 3.55% 52,692.5 3.61% 51,021.0 3.43% 48,908.9 3.22% 51,411.6 3.29% 49,480.5 3.05% 50,434.9 3.09% 51,600.1 3.08% 51,531.4 3.04% 53,505.7 3.13% 54,522.4 3.13% 47,679.0 2.65%
NPL-gross of
Banking's
NPL-net Kredit MKM9,872.8 2.31% 8,853.4 1.69% 5,600.5 0.85% 10,319.2 1.35% 13,079.7 1.82% 12,182.2 1.65% 12,003.5 1.48% 12,129.9 1.48% 12,996.4 1.54% 12,306.0 1.42% 12,587.8 1.42% 12,728.4 1.41% 13,711.7 1.50% 14,062.9 1.51% 14,339.4 1.53% 12,996.2 1.35%
NPL-net of MSM's
Credits1 Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS.
1 Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit,
Rural Banks and MSMEs), processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit. MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah. Includes financing of Islamic Banks.
Untuk bulan Desember 2010, sudah termasuk baki debet BPR, belum termasuk BPRS. Outstanding of Conventional Rural Banks were included in December 2010, Islamic Rural Banks were not included.
*) Angka Sementara *) Preliminary Figures
Des2006 2007 2008
JunJan Feb Mar Apr Mei2009
2010 *)
Jul Agt Sep Okt Nov
NPL MKM Des 20103/2/2011