PERKEMBANGAN BAKI DEBET KREDIT USAHA MIKRO, USAHA KECIL, DAN USAHA MENENGAH(UMKM) PERBANKAN 1

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1 II.1.A PERKEMBANGAN BAKI DEBET KREDIT UMKM dan KREDIT PERBANKAN OUTSTANDING OF MSMEs CREDITS AND BANKING CREDITS. II.1.A Kredit UMKM 376, , , ,758.9 MSMEs Credits Kredit Non UMKM 1,400, ,396, ,416, ,468,359.3 Non MSMEs Credits Jumlah Rekening Kredit UMKM 6,534,563 6,265,357 6,293,238 6,662,276 Total of MSMEs Accounts Kredit Perbankan 1,777, ,756, ,784, ,860,118.2 Banking Credits II.1.B PERKEMBANGAN BAKI DEBET KREDIT MKM dan KREDIT PERBANKAN OUTSTANDING OF MSM CREDITS AND BANKING CREDITS. II.1 Kredit MKM 660, , , , , , , , , , , , , , ,010,755.2 MSM Credits Kredit Non MKM 644, , , , , , , , , , , , , , ,524.8 Non MSM Credits Kartu Kredit MKM 29, , , , , , , , , , , , , , ,838.2 MSM Credit cards Jumlah Rekening Kredit MKM 23,482,337 24,887,284 28,817,134 28,536,437 28,517,119 30,238,821 29,101,918 29,664,615 29,712,004 30,350,987 30,109,372 30,251,489 29,288,372 30,960,059 31,526,733 Total of MSM Accounts Kredit Perbankan 1,334, ,467, ,488, ,518, ,564, ,620, ,631, ,673, ,694, ,711, ,740, ,802, ,791, ,819, ,860,118.2 Banking Credits II.2.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT KLASIFIKASI USAHA OUTSTANDING MSMEs CREDITS BY PLAFOND. II.2.A Kredit Usaha Mikro 71, , , ,786.0 Micro Credits Enterprises Kredit Usaha Kecil 133, , , ,455.3 Small Credits Enterprises Kredit Usaha Menengah 171, , , ,517.6 Medium Credits Enterprises Total UMKM 376, , , ,758.9 Total MSMEs II.2.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON OUTSTANDING MSM CREDITS BY PLAFOND. II.2.B Kredit Mikro (Rp0 - Rp 50 juta) 234, , , , , , , , , , , , , , ,223.6 Micro Credits (up to IDR50 million) Kredit Kecil (>Rp50jt-Rp500jt) Small Credits (>IDR50 million - 221, , , , , , , , , , , , , , ,683.3 IDR500 million) Kredit Menengah (>Rp500 jt-rp5m) 205, , , , , , , , , , , , , ,274.8 Medium Credits (>IDR500 million- 290,848.3 IDR5 billion) BD MKM Mar 111

2 II.3.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT KELOMPOK BANK OUTSTANDING OF MSMEs CREDITS BY GROUP OF BANKS. II.3.A Bank Persero 172, , , ,446.6 State Banks Bank Swasta Nasional Devisa Foreign Exchange Private National 152, , , ,063.2 Banks Bank Swasta Nasional Non Devisa 11, , ,796.8 Non Foreign Exchange Private 12,267.8 National Banks BPD 31, , , ,771.2 Regional Development Banks Bank Campuran 5, , , ,208.1 Joint Banks Bank Asing 3, , , ,002.0 Foreign Banks BPR-BPRS Rural-Islamic Rural Banks Total 376, , , ,758.9 Total II.3.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT KELOMPOK BANK OUTSTANDING OF MSM CREDITS BY GROUP OF BANKS. II.3.B Bank Persero 230, , , , , , , , , , , , , , ,995.2 State Banks Bank Swasta Nasional Devisa Foreign Exchange Private National 267, , , , , , , , , , , , , , ,480.6 Banks Bank Swasta Nasional Non Devisa 23, , , , , , , , , , , , , ,027.9 Non Foreign Exchange Private 37,582.1 National Banks BPD 87, , , , , , , , , , , , , , ,919.6 Regional Development Banks Bank Campuran 8, , , , , , , , , , , , , , ,203.8 Joint Banks Bank Asing 16, , , , , , , , , , , , , , ,980.3 Foreign Banks BPR-BPRS 26, , , , , , , , , , , , , , ,593.7 Rural-Islamic Rural Banks BD MKM Mar 112

3 II.4.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT SEKTOR EKONOMI OUTSTANDING MSMEs CREDITS BY ECONOMIC SECTORS. II.4.A 1. Pertanian, perburuan dan Kehutanan 17, , , ,416.6 Agriculture, hunting and forestry 2. Perikanan 2, , , ,216.4 Fishery 3. Pertambangan dan Penggalian 3, , , ,562.6 Mining and Quarrying 4. Industri pengolahan 42, , , ,185.7 Processing industry 5. Listrik, Gas dan Air 1, , , ,082.8 Electricity, Gas & Water 6. Konstruksi 20, , , ,746.3 Construction 7. Perdagangan besar dan eceran 167, , , ,694.5 Wholesale and retail trade 8. Penyediaan akomodasi dan penyediaan makan minum 7, , ,128.5 Provision of accommodation and 7,681.4 the provision of eating and drinking 9. Transportasi, pergudangan dan komunikasi 13, , ,845.0 Transportation, warehousing and 13,702.9 communication 10. Perantara keuangan 6, , , ,660.9 Financial Intermediaries 11. Real estate, usaha persewaan dan jasa perusahaan 12, , , ,415.9 Real estate 12. Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Government Administration, defense and compulsory social security 13. Jasa pendidikan 1, , , ,277.0 Education services 14. Jasa kesehatan dan kegiatan sosial Health services and social 2, , , ,643.0 activities 15. Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 19, , ,368.5 Social services, social, cultural, 20,490.2 entertainment and other individual 16. Jasa perorangan yang melayani rumah tangga 1, , ,267.1 Individual services with serve 1,278.3 households 17. Badan internasional dan badan ekstra internasional lainnya Business activities are not clearly defined 18. Kegiatan yang belum jelas batasannya 48, , ,224.6 Not the business field - 55,311.1 households 19. Tidak teridentifikasi 8, , Un-identified Total , , , ,758.9 Total II.4.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT SEKTOR EKONOMI OUTSTANDING MSM CREDITS BY ECONOMIC SECTORS. II.4.B 1. Pertanian, perburuan dan sarana pertanian 21, , , , , , , , , , , , , ,737.8 Agriculture,hunting and agricultural 20,633.2 facilities 2. Pertambangan 1, , , , , , , , , , , , , , ,576.4 Mining 3. Perindustrian 46, , , , , , , , , , , , , , ,296.9 Manufacturing Industry 4. Listrik, Gas dan Air , , , ,065.5 Electricity, Gas & Water 5. Konstruksi 17, , , , , , , , , , , , , , ,763.9 Construction 6. Perdagangan, restoran dan hotel 166, , , , , , , , , , , , , , ,750.1 Trade, restaurants and hotels 7. Pengangkutan, pergudangan dan Transportation, cargo storage and 8, , , , , , , , , , , , , , ,511.6 komunikasi communication 8. Jasa Dunia Usaha 43, , , , , , , , , , , , , , ,416.3 Business Services 9. Jasa Sosial 7, , , , , , , , , , , , , , ,120.8 Social Services 10. Lain-lain 346, , , , , , , , , , , , , , ,620.3 Others BD MKM Mar 113

4 II.5.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT JENIS PENGGUNAAN OUTSTANDING OF MSMEs CREDITS BY TYPE OF UTILIZATION. III.5.A Kredit Modal Kerja 298, , , ,948.5 Working Capital Credits - Kredit Usaha Mikro 53, , , , Micro Credits Enterprises - Kredit Usaha Kecil 111, , , , Small Credits Enterprises - Kredit Usaha Menengah 133, , , , Medium Credits Enterprises Kredit Investasi 77, , , ,807.8 Investment Credits - Kredit Usaha Mikro 17, , , , Micro Credits Enterprises - Kredit Usaha Kecil 22, , , , Small Credits Enterprises - Kredit Usaha Menengah 37, , , , Medium Credits Enterprises Tidak Teridentifikasi Consumer Credits - Kredit Usaha Mikro Micro Credits Enterprises - Kredit Usaha Kecil Small Credits Enterprises - Kredit Usaha Menengah Medium Credits Enterprises Total 376, , , ,758.9 Total - Kredit Usaha Mikro 71,630 67, , , Micro Credits Enterprises - Kredit Usaha Kecil 133, , , , Small Credits Enterprises - Kredit Usaha Menengah 171, , , , Medium Credits Enterprises II.5.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT JENIS PENGGUNAAN OUTSTANDING OF MSM CREDITS BY TYPE OF UTILIZATION. III.5.B Kredit Modal Kerja 260, , , , , , , , , , , , , , ,345.1 Working Capital Credits - Kredit Mikro 50, , , , , , , , , , , , , , , Micro Credits - Kredit Kecil 70, , , , , , , , , , , , , , , Small Credits - Kredit Menengah 140, , , , , , , , , , , , , , , Medium Credits Kredit Investasi 56, , , , , , , , , , , , , , ,305.9 Investment Credits - Kredit Mikro 10, , , , , , , , , , , , , , , Micro Credits - Kredit Kecil 15, , , , , , , , , , , , , , , Small Credits - Kredit Menengah 30, , , , , , , , , , , , , , , Medium Credits Kredit Konsumsi 343, , , , , , , , , , , , , , ,104.2 Consumer Credits - Kredit Mikro 173, , , , , , , , , , , , , , , Micro Credits - Kredit Kecil 135, , , , , , , , , , , , , , , Small Credits - Kredit Menengah 34, , , , , , , , , , , , , , , Medium Credits - Kredit Mikro 234, , , , , , , , , , , , , , , Micro Credits - Kredit Kecil 221, , , , , , , , , , , , , , , Small Credits - Kredit Menengah 205, , , , , , , , , , , , , , , Medium Credits II.6.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT PROPINSI di JAWA-BALI & NASIONAL OUTSTANDING OF MSMEs CREDITS BY PROVINCES IN JAVA AND BALI. III.6.A Jawa Bali 249, , , ,082.5 Java & Bali Di luar Jawa Bali 126, , , ,676.4 Outside Java & Bali Nasional 376, , , ,758.9 National II.6.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PROPINSI di JAWA-BALI & NASIONAL OUTSTANDING OF MSM CREDITS BY PROVINCES IN JAVA AND BALI. III.6.B Mar *) Apr *) Mei *) Jun *) Jul *) Ags Sep Okt Nov Des r Jan r Feb r Mar Jawa Bali 435, , , , , , , , , , , , , , ,003.6 Java & Bali Di luar Jawa Bali 225, , , , , , , , , , , , , , ,751.6 Outside Java & Bali Nasional 660, , , , , , , , , , , , , , ,010,755.2 National BD MKM Mar 114

5 II.7.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT 10 LOKASI PROYEK PER PROPINSI TERBESAR OUTSTANDING OF MSMEs CREDITS BY 10 MAIN PROJECT LOCATIONS BY PROVINCES. III.7.A 1. DKI Jakarta Raya 105, , , , DKI Jakarta 2. Jawa Timur 49, , , , East Java 3. Jawa Barat 40, , , , West Java 4. Jawa Tengah 28, , , , Central Java 5. Sumatera Utara 18, , , , North Sumatra 6. Kalimantan Timur 13, , , , East Kalimantan 7. Sulawesi Selatan 13, , , , South Sulawesi b 8. Banten 12, , , , Banten 9. Riau 9, , , , Riau a 10. Bali 9, , , , Bali Total 10 Propinsi 301, , , ,625.8 Total of 10 Provinces Propinsi Lainnya 74, , , ,133.2 Other Provinces Total Kredit UMKM Nasional 376, , ,790.0 Total of National's MSMEs 391,758.9 Credits II.7.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT 10 LOKASI PROYEK PER PROPINSI TERBESAR OUTSTANDING OF MSM CREDITS BY 10 MAIN PROJECT LOCATIONS BY PROVINCES. III.7.B DKI Jakarta 113, , , , , , , , , , , , , , , DKI Jakarta Jawa Barat 81, , , , , , , , , , , , , , , West Java Jawa Timur 62, , , , , , , , , , , , , , , East Java Jawa Tengah 51, , , , , , , , , , , , , , , Central Java Sumatera Utara 26, , , , , , , , , , , , , , , North Sumatra Banten 21, , , , , , , , , , , , , , , Banten Sulawesi Selatan 17, , , , , , , , , , , , , , , South Sulawesi b Riau 12, , , , , , , , , , , , , , , Riau a Bali 12, , , , , , , , , , , , , , , Bali Sumatera Selatan 10, , , , , , , , , , , , , , , South Sumatera Total 10 Propinsi 409, , , , , , , , , , , , , , ,793.1 Total of 10 Provinces Propinsi Lainnya 251, , , , , , , , , , , , , , ,962.2 Other Provinces Total Kredit MKM Nasional 660, , , , , , , , , , , , , , ,010,755.2 Total of National's MSM Credits II.8.A PERKEMBANGAN BAKI DEBET KREDIT UMKM di KAWASAN INDONESIA TIMUR (KTI) OUTSTANDING OF MSMEs CREDITS BY PROVINCES IN EASTERN INDONESIAN AREA (EIA). II.8.A 1. Sulawesi Selatan 13, , , , South Sulawesi 2. Kalimantan Timur 13, , , , East Kalimantan 3. Sulawesi Utara 4, , , , North Sulawesi 4. Kalimantan Selatan 4, , , , South Kalimantan 5. Kalimantan Barat 4, , , , West Kalimantan 6. NTB 2, , , , West Nusa Tenggara 7. Sulawesi Tengah 3, , , , Central Sulawesi 8. NTT 1, , , , East Nusa Tenggara 9. Papua/Papua 3, , , , Papua 10. Kalimantan Tengah 2, , , , Central Kalimantan 11. Sulawesi Tenggara 1, , , , Southeast Sulawesi 12. Maluku 1, , , , Maluku 13. Papua Barat d , , West Papua d 14. Maluku Utara North Maluku BD MKM Mar 115

6 15. Sulawesi Barat e , West Sulawesi e 16. Gorontalo c , , , Gorontalo c Total Kredit UMKM KTI 57, , , ,609.1 Total of MSMEs Credits in EIA Total NPL KTI 2, , , ,970.8 Total of NPL in EIA r % NPL KTI 4.02% 4.90% 4.24% 4.74% % of NPL in EIA r Total NPL KBI 12, , , ,270.1 Total of NPL in WIA r % NPL KBI 4.00% 4.39% 4.56% 4.34% % of NPL in WIA r Total Kredit UMKM 376, , , ,758.9 Total of MSMEs Credits Total Kredit UMKM KBI Total of MSMEs Credits in Western 319, , , ,149.8 Indonesian Area (WIA) % KBI thd Kredit UMKM Nasional % KTI thd total Kredit UMKM Nasional 84.8% 84.7% 83.0% 84.0% 17.9% 15.3% 17.0% 16.0% Contribution of MSMEs Credits in WIA to National MSMEs Credits Contribution of MSMEs Credits in EIA to National's MSMEs Credits II.8.B PERKEMBANGAN BAKI DEBET KREDIT MKM di KAWASAN INDONESIA TIMUR (KTI) OUTSTANDING OF MSM CREDITS BY PROVINCES IN EASTERN INDONESIAN AREA (EIA). II.8.B Mar *) Apr *) Mei *) Jun *) Jul *) Ags Sep Okt Nov Des r Jan r Feb r Mar 1. Sulawesi Selatan 22, , , , , , , , , , , , , , , South Sulawesi 2. Kalimantan Timur 14, , , , , , , , , , , , , , , East Kalimantan 3. Sulawesi Utara 8, , , , , , , , , , , , , , , North Sulawesi 4. Kalimantan Selatan 8, , , , , , , , , , , , , , , South Kalimantan 5. Kalimantan Barat 7, , , , , , , , , , , , , , , West Kalimantan 6. NTB 6, , , , , , , , , , , , , , , West Nusa Tenggara 7. Sulawesi Tengah 5, , , , , , , , , , , , , , , Central Sulawesi 8. NTT 5, , , , , , , , , , , , , , , East Nusa Tenggara 9. Papua/Papua 4, , , , , , , , , , , , , , , Papua 10. Kalimantan Tengah 3, , , , , , , , , , , , , , , Central Kalimantan 11. Sulawesi Tenggara 3, , , , , , , , , , , , , , , Southeast Sulawesi 12. Maluku 2, , , , , , , , , , , , , , , Maluku 13. Papua Barat d 1, , , , , , , , , , , , , , West Papua d 14. Maluku Utara 1, , , , , , , , , , , , , , , North Maluku 15. Sulawesi Barat e 1, , , , , , , , , , , West Sulawesi e 16. Gorontalo c 2, , , , , , , , , , , , , , , Gorontalo c Total Kredit MKM KTI 100, , , , , , , , , , , , , , ,308.7 Total of MSMCredits in EIA Total NPL KTI r 2, , , , , , , , , , , , , , ,197.1 Total of NPL in EIA r % NPL KTI r 2.35% 2.54% 2.63% 2.68% 2.75% 2.45% 2.63% 2.59% 2.49% 2.57% 2.91% 2.54% 2.87% 2.63% 2.52% % of NPL in EIA r Total NPL KBI/Total of NPL in WIA r 18, , , , , , , , , , , , ,493 25,318 25,480 Total of NPL in WIA r % NPL KBI r 3.37% 3.36% 3.59% 3.20% 3.29% 3.05% 3.06% 3.10% 3.14% 3.11% 3.10% 2.76% 2.99% 3.10% 3.02% % of NPL in WIA r Total Kredit MKM 660, , , , , , , , , , , , , , ,010,755.2 Total of MSMCredits Total Kredit MKM KBI Total of MSM Credits in Western 559, , , , , , , , , , , , , , ,446.6 Indonesian Area (WIA) % KBI thd Kredit MKM Nasional Contribution of MSM Credits in 84.7% 84.0% 84.8% 84.6% 84.6% 84.4% 84.9% 84.7% 84.3% 84.5% 85.6% 85.9% 85.9% 83.8% 83.5% WIA to National MSM Credits % KTI thd total Kredit MKM Nasional Contribution of MSM Credits in 15.3% 16.0% 15.2% 15.4% 15.4% 15.6% 15.1% 15.3% 15.7% 15.5% 14.4% 14.1% 14.1% 16.2% 16.5% EIA to National's MSM Credits 1 Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) 1 Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, dan Laporan Bulanan BPR/BPRS. 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. - Untuk Kredit MKM sudah termasuk baki Debet Bank Umum Syariah, BPR dan BPRS, sedangkan Kredit UMKM belum termasuk BUS, BPR dan *) Angka Sementara *) Preliminary Figures r ) Angka revisi r ) Revised Figures BD MKM Mar 116