Suku Bunga Pinjaman

Statistik Ekonomi Keuangan IndonesiaIndonesian Financial Statistics

46 Bank Indonesia

II.30. SUKU BUNGA KREDIT RUPIAH MENURUT KELOMPOK BANK 1)(Miliar Rp)

Kelompok Bank1990 1991 1992 1993 1994

Dec Dec Dec Dec Dec

1 Bank Persero - Modal Kerja 21.2 25.1 21.2 18.2 15.5

2 Bank Persero - Investasi 20.3 19.3 17.9 15.2 14.1

3 Bank Persero - Konsumsi - - - - -

4 Bank Pemerintah Daerah - Modal Kerja 22.0 23.2 24.0 22.8 20.8

5 Bank Pemerintah Daerah - Investasi 19.0 19.1 19.2 18.1 16.6

6 Bank Pemerintah Daerah - Konsumsi - - - - -

7 Bank Swasta Nasional - Modal Kerja 25.5 25.1 23.1 19.4 18.6

8 Bank Swasta Nasional - Investasi 20.5 19.3 21.6 19.0 17.9

9 Bank Swasta Nasional - Konsumsi - - - - -

10 Bank Asing dan Bank Campuran - Modal Kerja 22.8 23.7 19.3 14.7 15.9

11 Bank Asing dan Bank Campuran - Investasi 23.4 23.2 20.9 19.5 16.8

12 Bank Asing dan Bank Campuran - Konsumsi - - - - -

13 Bank Umum - Modal Kerja - - - 18.7 17.8

14 Bank Umum - Investasi - - - 15.8 14.9

15 Bank Umum - Konsumsi - - - - -


47 Bank Indonesia

II.30. SUKU BUNGA KREDIT RUPIAH MENURUT KELOMPOK BANK 1) I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS(Miliar Rp) (Billions of Rp)

1995 1996 1997 1998 1999 2000 2001 2002

Dec Dec Dec Dec Dec Dec Dec Dec

17.2 16.9 18.5 25.1 26.2 19.9 19.2 18.9

14.8 15.0 15.4 19.4 21.0 16.4 17.1 17.5

- - - - - - 16.4 16.8

20.8 20.5 21.5 27.8 24.1 20.5 20.5 19.9

15.9 15.3 15.3 16.0 14.9 16.2 17.8 17.9

- - - - - - 17.7 17.4

20.5 20.2 23.7 36.4 32.6 17.8 19.2 18.2

20.1 19.7 22.0 36.1 32.9 18.0 19.0 18.3

- - - - - - 21.6 21.7

18.2 17.1 20.7 43.3 29.6 16.0 19.1 15.7

19.1 19.6 21.0 34.9 34.1 15.6 18.6 16.1

- - - - - - 32.9 34.6

19.3 19.0 22.0 32.3 28.9 18.4 19.2 18.3

16.1 16.4 17.3 23.2 22.9 16.6 17.9 17.8

- - - - - - 19.9 20.2


48 Bank Indonesia

I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS

2003Group of Banks

Dec

16.2 Rupiah 1

15.5 State Banks 2

16.0 Regional Government Banks 3

19.1 Private Nasional Banks 4

17.2 Foreign Banks and Joint Banks 5

16.8 Foreign Currency 6

14.7 State Banks 7




12.6 Rupiah and Foreign Currency 11

34.5 State Banks 12





86 Bank Indonesia

I.31 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT KELOMPOK BANK 1)(Miliar Rp)

Kelompok Bank dan Jenis Pinjaman1999 2000 2001 2002 2003 2004

Dec Dec Dec Dec Dec Dec

1-Dec 1-Dec 1-Dec 1-Dec 1-Dec 1-Dec

1 Bank Persero - - - - - -

2 Pinjaman Modal Kerja Yang Diberikan 26.22 19.85 19.15 18.85 16.18 14.32

3 Pinjaman Investasi Yang Diberikan 20.97 16.35 17.11 17.50 15.54 14.10

4 Pinjaman Konsumsi Yang Diberikan - - 16.43 16.80 16.04 14.62

5 Bank Pemerintah Daerah - - - - - -




9 Bank Swasta Nasional - - - - - -




13 Bank Asing dan Bank Campuran - - - - - -




17 Bank Umum - - - - - -





87 Bank Indonesia

I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS(Billions of Rp)

12 13 14 15 16

2005 2006 2007 2008 2009

Dec Dec Dec Dec Jan Feb Mar Apr

1-Dec 1-Dec 1-Dec 1-Dec 1-Jan 1-Feb 1-Mar 1-Apr

- - - - - - - -

15.71 15.36 13.47 14.61 14.59 14.48 14.45 14.38

14.98 14.98 12.93 13.85 13.83 13.66 13.55 13.51

15.23 15.26 14.03 13.84 13.90 13.91 13.92 13.92

- - - - - - - -

16.85 16.60 15.33 14.43 14.44 14.32 14.29 14.21

15.51 15.28 14.61 13.52 13.55 13.48 13.32 13.29

14.19 14.16 13.82 14.06 14.07 14.10 14.12 14.17

- - - - - - - -

16.95 15.41 12.96 15.90 15.99 15.84 15.69 15.48

16.23 15.42 13.11 14.85 14.83 14.72 14.52 14.58

16.06 17.20 14.69 15.91 15.95 16.19 16.27 16.48

- - - - - - - -

14.50 11.42 10.23 14.58 14.46 14.14 14.11 13.73

15.55 13.21 10.56 15.00 14.95 14.75 14.40 14.24

32.01 35.74 36.24 35.32 35.41 35.39 34.99 34.76

- - - - - - - -

16.23 15.07 13.00 15.22 15.23 15.08 14.99 14.82

15.66 15.10 13.01 14.40 14.37 14.23 14.05 14.05

16.83 17.58 16.13 16.40 16.45 16.53 16.46 16.48


88 Bank Indonesia


17 18 19 20

2009Group of Banks and Type of Loans

May Jun Jul Aug Sep Oct Nov Dec

1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec###

- - - - - - - - State Banks

14.28 14.16 14.17 14.08 14.03 14.00 13.90 13.63

13.39 13.28 13.18 13.21 12.78 12.66 12.58 12.56

13.91 14.06 14.02 14.00 13.98 13.92 13.90 13.88

- - - - - - - - Regional Government Banks

14.16 14.16 14.16 14.14 14.10 14.07 14.02 13.91

13.25 13.20 13.13 12.81 12.76 12.66 12.59 12.54

14.22 14.23 14.23 14.25 14.25 14.24 14.22 14.17

- - - - - - - - Private National Banks

15.32 15.15 15.07 14.89 14.67 14.56 14.38 14.09

14.52 14.33 14.14 13.94 13.80 13.70 13.62 13.51

16.61 16.66 16.77 16.71 16.82 16.62 16.58 16.22

- - - - - - - - Foreign Banks and Joint Banks

13.45 13.27 12.90 12.57 12.34 12.20 12.17 11.73

13.74 13.53 12.74 12.58 12.27 12.51 12.34 12.22

35.09 35.23 35.39 35.37 35.28 35.24 34.97 35.59

- - - - - - - - Commercial Banks

14.68 14.52 14.45 14.30 14.17 14.09 13.96 13.69

13.94 13.78 13.58 13.48 13.20 13.12 13.03 12.96

16.57 16.63 16.66 16.62 16.67 16.53 16.47 16.42


89 Bank Indonesia


Group of Banks and Type of Loans

State Banks 1

Working Capital Loans 2

Investment Loans 3

Consumer Loans 4

Regional Government Banks 5


Investment Loans 7

Consumer Loans 8

Private National Banks 9


Investment Loans 11

Consumer Loans 12

Foreign Banks and Joint Banks 13


Investment Loans 15

Consumer Loans 16

Commercial Banks 17


Investment Loans 19

Consumer Loans 20


64 Bank Indonesia

I.26 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT KELOMPOK BANK I.26 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS(Persen per tahun) (Percent Per Annum)

2010

Jan* Feb* Mar* Apr* May* Jun* Jul*1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul

1 Bank Persero - - - - - - -

2 Pinjaman Modal Kerja Yang D 13.05 13.02 13.63 13.52 13.33 13.28 13.36

3 12.04 11.99 12.11 11.97 11.87 11.78 11.71

4 13.87 13.91 13.66 13.62 13.61 13.45 13.39

5 Bank Pemerintah Daerah - - - - - - -

6 13.79 13.79 13.67 13.70 13.65 13.68 13.69

7 12.74 12.82 12.79 12.79 12.74 12.49 12.50

8 14.14 14.31 14.34 14.32 14.22 14.22 14.21

9 Bank Swasta Nasional - - - - - - -

### 14.95 14.88 13.98 13.84 13.71 13.55 13.57

### 14.58 14.54 13.38 13.34 13.30 13.60 13.49

### 16.58 16.56 14.91 14.91 14.68 14.45 14.37

###Bank Asing dan Bank Campu - - - - - - -

### 11.34 11.04 11.02 10.82 10.67 10.52 10.56

### 12.52 12.37 12.21 12.07 12.16 11.96 11.74

### 35.96 35.32 35.24 34.82 33.86 32.71 32.48

###Bank Umum - - - - - - -

### Pinjaman Modal Kerja Yang D 13.75 13.68 13.54 13.42 13.26 13.17 13.21

### 13.24 13.21 12.72 12.62 12.59 12.70 12.60

### 16.32 16.36 15.42 15.34 15.23 14.99 14.92

Kelompok Bank dan Jenis Pinjaman

Pinjaman Investasi Yang Diberikan Pinjaman Konsumsi Yang Diberikan

Pinjaman Modal Kerja Yang Diberikan Pinjaman Investasi Yang Diberikan Pinjaman Konsumsi Yang Diberikan



Pinjaman Investasi Yang Diberikan Pinjaman Konsumsi Yang Diberikan


65 Bank Indonesia

I.26 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS(Percent Per Annum)

2011

Aug Sep Oct Nov Dec Jan Feb Mar Apr May1-Aug 1-Sep 1-Oct 1-Nov 1-Dec 1-Jan 1-Feb 1-Mar 1-Apr 1-May

- - - - - - - - - -

13.64 13.20 13.23 13.17 13.06 13.02 12.99 11.68 11.65 11.59

11.09 11.01 10.95 10.89 10.81 10.71 10.67 10.61 10.61 10.59

13.28 13.21 13.16 13.12 13.05 13.08 13.13 13.84 13.92 13.80

- - - - - - - - - -

13.47 13.68 13.69 13.69 13.57 13.54 13.58 13.56 13.52 13.59

12.52 12.55 12.54 12.51 12.44 12.44 12.47 12.50 12.49 12.54

14.29 14.18 14.14 14.12 14.10 14.01 13.94 13.91 13.91 13.94

- - - - - - - - - -

13.52 13.29 13.30 13.20 13.02 13.00 12.95 12.96 12.90 12.82

13.26 13.33 13.33 13.25 13.20 13.21 13.11 13.03 13.02 13.01

14.18 14.10 14.05 14.01 14.05 13.92 13.96 13.87 13.84 13.85

- - - - - - - - - -

10.55 10.29 10.14 10.26 10.23 9.44 9.34 9.45 9.46 9.42

11.69 11.61 11.52 11.79 11.82 10.56 10.79 10.96 10.64 10.64

32.35 32.37 32.10 31.54 31.66 31.80 31.81 31.59 30.79 30.85

- - - - - - - - - -

13.19 13.00 13.01 12.96 12.83 12.75 12.72 12.32 12.30 12.24

12.40 12.41 12.38 12.35 12.28 12.25 12.20 12.18 12.16 12.16

14.83 14.75 14.65 14.53 14.53 14.48 14.50 14.83 14.81 14.79


66 Bank Indonesia


2012

Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec 1-Jan 1-Feb 1-Mar

- - - - - - - - - -

11.52 12.62 12.61 12.51 12.47 12.41 12.37 12.39 12.38 12.19

10.60 10.60 10.56 10.57 10.53 10.49 10.39 10.21 10.16 10.12

13.82 13.05 12.99 12.97 13.00 13.01 12.91 12.86 12.89 12.81

- - - - - - - - - -

13.57 13.64 13.64 13.70 13.77 13.73 13.52 13.47 11.28 13.62

12.55 12.52 12.52 12.54 12.55 12.48 12.40 12.37 11.24 12.40

13.95 13.97 14.01 14.03 14.02 14.03 13.91 13.92 11.14 14.01

- - - - - - - - - -

12.81 12.80 12.75 12.63 12.61 12.56 12.34 12.34 12.36 12.27

12.97 12.96 12.94 12.89 12.81 12.76 12.64 12.58 12.54 12.42

13.83 13.78 13.78 13.71 13.63 13.56 13.58 13.60 13.60 13.58

- - - - - - - - - -

9.55 9.55 9.34 9.14 9.03 8.86 8.71 8.52 8.25 8.25

10.65 10.47 10.56 10.11 10.20 10.06 14.89 9.71 9.63 9.44

30.88 30.97 30.76 30.59 30.56 30.43 30.73 30.74 30.60 30.97

- - - - - - - - - -

12.24 12.55 12.50 12.39 12.36 12.31 12.16 12.14 12.02 12.01

12.13 12.11 12.10 12.06 12.02 11.97 12.04 11.73 11.62 11.62

14.78 14.32 14.30 14.25 14.21 14.18 14.15 14.14 13.62 14.13


67 Bank Indonesia


2013

Apr May Jun Jul Aug Sep Oct Nov Dec Jan1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec 1-Jan

- - - - - - - - - -

12.05 11.95 12.00 11.99 11.97 11.91 11.93 11.83 11.70 11.75

10.05 10.01 9.98 9.98 9.92 9.94 9.86 9.92 10.08 10.13

12.73 12.79 12.72 12.70 12.10 12.06 12.00 11.94 12.34 12.20

- - - - - - - - - -

13.64 13.62 13.63 13.64 13.73 13.76 13.76 13.74 13.66 13.60

12.20 12.22 12.33 12.32 12.27 12.29 12.31 12.32 12.25 12.18

14.00 14.01 13.99 13.99 13.98 13.98 13.92 13.87 13.78 13.73

- - - - - - - - - -

12.11 12.06 12.02 12.03 11.99 11.95 11.88 11.81 11.68 11.68

12.38 12.31 12.23 12.18 12.11 12.10 12.03 11.97 11.88 11.88

13.62 13.48 13.17 13.32 13.25 13.25 13.18 13.10 12.98 12.98

- - - - - - - - - -

8.04 7.97 7.98 7.93 7.96 7.96 8.00 7.95 7.90 8.00

9.46 9.43 9.54 9.50 9.52 9.58 9.60 8.93 9.47 9.55

30.60 30.20 30.66 30.36 30.93 31.01 31.08 31.22 30.92 27.87

- - - - - - - - - -

11.86 11.78 11.79 11.78 11.73 11.70 11.68 11.61 11.49 11.49

11.56 11.51 11.46 11.42 11.35 11.36 11.29 11.24 11.27 11.29

14.10 14.03 13.90 13.92 13.69 13.67 13.60 13.53 13.58 13.40


68 Bank Indonesia


Feb Mar Apr May Jun Jul Aug Sep Oct Nov1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov

- - - - - - - - - -

11.67 11.72 11.75 11.78 11.79 11.89 11.69 11.71 11.86 11.94

10.09 10.07 10.07 10.04 10.35 10.46 10.54 10.53 10.72 10.79

11.79 12.14 12.06 12.00 11.85 11.79 11.76 11.81 11.86 11.88

- - - - - - - - - -

13.71 13.44 13.66 13.63 13.60 13.59 13.62 13.61 13.46 13.46

12.20 12.20 12.25 12.27 12.24 12.23 12.26 12.27 12.23 12.20

13.66 13.52 13.57 13.52 13.46 13.41 13.39 13.36 13.36 13.35

- - - - - - - - - -

11.64 11.58 11.53 11.55 11.46 11.85 11.90 12.15 12.26 12.42

11.87 11.82 11.77 11.72 11.67 11.86 11.93 12.16 12.28 12.39

12.95 12.92 12.85 12.81 12.83 12.77 12.78 12.72 12.80 12.88

- - - - - - - - - -

8.03 8.04 8.05 8.03 8.11 8.46 8.74 9.23 9.47 9.69

9.55 9.44 9.45 9.43 9.49 9.66 9.90 10.24 10.46 10.55

27.64 27.59 27.52 28.32 28.13 27.62 27.48 27.45 27.23 27.27

- - - - - - - - - -

11.45 11.44 11.44 11.46 11.41 11.66 11.63 11.80 11.93 12.06

11.27 11.24 11.21 11.17 11.14 11.29 11.37 11.50 11.65 11.73

13.22 13.28 13.22 13.20 13.14 13.06 13.05 13.03 13.08 13.12


69 Bank Indonesia


2014

Dec Jan Feb Mar Mei May Jun Jul Aug Sep1-Dec 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep

- - - - - - - - - -

11.94 12.05 12.06 12.09 12.23 12.38 12.26 12.34 12.42 12.44

10.84 10.91 10.96 10.98 11.04 11.13 11.20 11.40 11.43 11.44

11.88 11.91 11.91 11.90 11.93 12.06 12.21 12.19 12.22 12.26

- - - - - - - - - -

13.37 13.34 13.34 13.36 13.30 13.19 13.24 13.27 13.21 13.24

12.23 12.21 12.27 12.23 12.34 12.18 12.21 12.22 12.22 12.23

13.34 13.35 13.42 13.34 13.35 13.19 13.19 13.22 13.21 13.21

- - - - - - - - - -

12.55 12.68 12.86 12.87 12.79 13.19 13.29 13.36 13.43 13.43

12.51 12.63 12.69 12.72 12.77 12.96 13.02 13.06 13.07 13.08

12.91 12.97 13.04 13.11 13.19 13.18 13.12 13.17 13.20 13.28

- - - - - - - - - -

9.84 9.96 10.09 10.20 10.19 10.25 10.27 10.41 10.44 10.44

10.71 10.87 11.04 10.97 10.99 11.04 11.00 10.78 10.91 10.94

27.36 27.37 27.40 27.68 27.59 27.72 27.84 28.00 27.59 27.91

- - - - - - - - - -

12.12 12.23 12.33 12.37 12.38 12.63 12.63 12.70 12.76 12.78

11.82 11.92 11.98 12.00 12.06 12.18 12.24 12.32 12.34 12.34

13.13 13.17 13.20 13.21 13.25 13.26 13.30 13.32 13.33 13.38


70 Bank Indonesia


Oct Nov Dec1-Oct 1-Nov 1-Dec

- - - State Banks 1

12.52 12.53 12.50 Working Capital Loans 2

11.48 11.48 11.47 Investment Loans 3

12.32 12.48 12.56 Consumer Loans 4

- - - Regional Government B 5

13.72 13.84 13.63 Working Capital Loans 6

12.51 12.40 12.38 Investment Loans 7

13.34 13.40 13.43 Consumer Loans 8

- - - Private National Banks 9

13.39 13.41 13.36 Working Capital Loans###

13.13 13.13 13.11 Investment Loans ###

13.30 13.35 13.39 Consumer Loans ###

- - - Foreign Banks and Joint###



27.60 28.32 28.41 Consumer Loans ###

- - - Commercial Banks ###



13.43 13.53 13.58 Consumer Loans ###

Group of Banks and Type of Loans

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