billion) Total 1,191, % 1,400, ,399, ,409,196.2 Total MSM

II.1.A PERKEMBANGAN BAKI DEBET KREDIT UMKM dan KREDIT PERBANKAN OUTSTANDING OF MSMEs CREDIT AND BANKING CREDIT. II.1.A Kredit UMKM 479,886.5 21.2% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 MSMEs Credits Kredit Non UMKM 1,779,975.9 78.8% 2,226,731.2 2,226,384.8 2,251,358.2 2,287,112.0 2,331,206.5 2,380,463.6 2,429,086.5 2,492,903.8 2,543,990.8 2,621,320.7 2,625,964.4 2,677,488.2 2,742,838.8 2,721,985.2 Non MSMEs Credits Jumlah Rekening Kredit UMKM 8,797,888.0 9,078,322 9,075,613 9,189,495 9,227,167 9,362,349 9,505,891 9,642,384 9,846,326 9,891,041 9,871,359 9,958,436 10,067,627 10,139,606 10,163,109 Total of MSMEs Accounts Kredit Perbankan 2,259,862.4 100.0% 2,778,957.3 2,759,550.6 2,792,050.1 2,842,737.9 2,901,102.7 2,966,491.7 3,041,116.7 3,105,791.4 3,153,151.7 3,240,590.6 3,245,482.6 3,304,071.6 3,382,873.4 3,347,921.3 Banking Credits II.1.B PERKEMBANGAN BAKI DEBET KREDIT MKM dan KREDIT PERBANKAN OUTSTANDING OF MSM CREDITS AND BANKING CREDITS. II.1. B Kredit MKM 1,191,859.0 52.7% 1,400,129.3 1,399,882.0 1,409,196.2 MSM Credits Kredit Non MKM r 1,032,233.2 45.7% 1,336,284.1 1,314,095.1 1,337,176.4 Non MSM Credits Kartu Kredit MKM 35,770.2 1.6% 42,543.9 45,573.5 45,677.5 MSM Credit cards Jumlah Rekening Kredit MKM 33,159,614 34,526,937 32,953,482 33,084,437 Total of MSM Accounts Kredit Perbankan 2,259,862.4 100.0% 2,778,957.3 2,759,550.6 2,792,050.1 Banking Credits II.2.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT KLASIFIKASI USAHA OUTSTANDING MSMEs CREDIT BASED ON ENTERPRISE CLASSIFICATION. II.2.A Kredit Usaha Mikro 102,905.0 21.4% 113,754.0 112,629.3 114,504.3 116,084.6 119,758.0 123,069.5 126,692.6 130,841.7 131,175.5 133,238.3 134,807.5 136,226.1 137,929.8 138,051.2 Micro Enterprises Credit Kredit Usaha Kecil 150,912.1 31.4% 169,882.5 159,083.7 161,504.2 166,241.4 169,090.1 173,855.9 181,004.7 182,639.7 182,921.8 185,322.5 187,496.2 190,092.1 193,874.7 187,996.2 Small Enterprises Credit Kredit Usaha Menengah 226,069.4 47.1% 268,589.5 261,452.9 264,683.4 273,300.0 281,048.1 289,102.8 304,332.9 299,406.2 295,063.7 300,709.2 297,214.5 300,265.3 308,230.0 299,888.7 Medium Enterprises Credit Total UMKM 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total MSMEs II.2.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PLAFON OUTSTANDING MSM CREDIT BASED ON PLAFOND. II.2.B Kredit Mikro (Rp0 - Rp 50 juta) 323,844.0 27.2% 325,965.0 331,107.1 319,244.4 Micro Credits (up to IDR50 million) Kredit Kecil (>Rp50jt-Rp500jt) 515,181.5 43.2% 636,146.3 639,382.7 651,819.7 Small Credits (>IDR50 million - IDR500 million) Medium Credits (>IDR500 million-idr5 Kredit Menengah (>Rp500 jt-rp5m) 352,833.5 29.6% 438,018.0 429,392.1 438,132.1 billion) Total 1,191,859.0 100.0% 1,400,129.3 1,399,882.0 1,409,196.2 Total MSM II.3.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT KELOMPOK BANK OUTSTANDING OF MSMEs CREDIT BASED ON GROUP OF BANKS. II.3.A Bank Persero 222,645.1 46.4% 242,861.1 239,771.1 244,614.5 254,325.3 260,654.8 268,170.4 291,568.7 288,944.8 283,103.1 289,758.3 291,608.9 294,744.7 304,750.6 294,888.8 State Owned Banks Bank Swasta Nasional Devisa 176,924.8 36.9% 205,731.2 192,307.3 192,620.0 196,668.3 200,489.8 206,160.8 212,205.1 214,989.5 215,673.4 217,021.8 211,454.7 212,870.2 217,529.4 Foreign Exchange Private National 216,064.7 Banks Bank Swasta Nasional Non Devisa 17,308.8 3.6% 23,259.7 22,948.8 24,138.2 25,119.2 25,425.6 25,992.7 26,334.5 27,010.9 27,171.7 27,583.3 26,990.5 26,980.5 27,571.6 Non Foreign Exchange Private 27,601.5 National Banks BPD 31,313.9 6.5% 45,081.8 42,223.1 43,411.8 43,170.9 46,143.6 47,607.6 42,666.8 43,914.3 44,599.0 45,648.9 47,338.6 48,931.2 46,895.9 44,354.9 Regional Development Banks Bank Campuran 6,651.3 1.4% 8,750.1 8,863.8 9,165.8 9,574.8 9,801.6 10,006.3 10,348.6 8,379.5 8,143.0 8,678.9 11,168.3 11,129.6 11,378.7 11,135.3 Joint Venture Banks Bank Asing 3,320.0 0.7% 712.6 677.5 567.9 593.8 517.6 595.2 617.7 619.5 617.6 670.0 667.7 716.1 697.1 679.8 Foreign Owned Banks BPR-BPRS 21,722.5 4.5% 25,829.5 26,374.2 26,173.7 26,173.7 26,863.2 27,495.3 28,288.8 29,029.1 29,853.1 29,908.8 30,289.5 31,211.1 31,211.1 31,211.1 Conventional/Islamic Rural Banks Total 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total MSMEs 1 Sumber data: Bank Indonesia (Grup Pengembangan UMKM - DPAU), diolah dari Laporan Bulanan Bank Umum (LBU) 1 Data source: Bank Indonesia ( MSMEs Development Group - Financial Access and MSME Development Department ) - dan Laporan Bulanan BPR/BPRS. 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 dan data BPRS. - Kredit UMKM Januari : Belum termasuk Bank Umum Syariah (BUS), tetapi sudah termasuk BPR dan BPRS menggunakan data Oktober. - Untuk data Kredit MKM sejak Maret sudah tidak sajikan lagi. MSM Credit Data is no longer published since March - 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 - MSMEs Credit on January : not included Islamic Commercial Banks but included Conventional and Islamic - Rural Banks data as of October. -

II.3.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT KELOMPOK BANK OUTSTANDING OF MSM CREDIT BASED ON GROUP OF BANKS. II.3.B Bank Persero 415,623.0 34.9% 502,447.4 508,099.8 505,109.6 State Owned Banks Bank Swasta Nasional Devisa 453,999.9 38.1% 525,904.7 519,501.1 525,722.0 Foreign Exchange Private National Banks Bank Swasta Nasional Non Devisa 58,565.9 4.9% 75,504.3 76,017.3 76,949.6 Non Foreign Exchange Private National Banks BPD 155,023.5 13.0% 190,814.8 190,074.7 193,809.0 Regional Development Banks Bank Campuran 33,481.9 2.8% 24,728.3 24,621.1 24,706.2 Joint Venture Banks Bank Asing 34,698.1 2.9% 31,206.5 31,465.4 31,492.2 Foreign Owned Banks BPR-BPRS 40,466.6 3.4% 49,523.4 50,102.6 51,407.6 Conventional/Islamic Rural Banks Total 1,191,859.0 100.0% 1,400,129.3 1,399,882.0 1,409,196.2 Total MSM II.4.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT SEKTOR EKONOMI OUTSTANDING MSMEs CREDIT BASED ON ECONOMIC SECTORS. II.4.A 1. Pertanian, perburuan dan Kehutanan 30,281.7 6.3% 44,529.3 44,913.9 45,261.9 47,386.3 47,959.1 49,494.0 46,698.0 47,903.1 48,031.9 49,313.7 50,044.4 51,217.1 52,684.8 52,067.5 Agriculture, hunting and forestry 2. Perikanan 2,666.1 0.6% 3,001.6 3,010.2 3,035.0 3,155.8 3,279.3 3,391.7 3,529.8 3,535.8 3,539.9 3,637.9 3,642.0 3,724.3 3,832.8 3,750.6 Fishery 3. Pertambangan dan Penggalian 3,995.0 0.8% 5,520.8 4,932.1 5,200.8 5,052.7 5,183.1 5,143.4 4,809.6 4,987.1 5,285.8 5,354.7 4,800.3 4,976.2 4,868.0 4,706.7 Mining and Quarrying 4. Industri pengolahan 52,819.7 11.0% 60,163.6 56,123.8 55,444.7 58,071.3 58,550.5 60,734.5 66,258.0 59,123.9 58,127.4 58,574.1 58,112.1 59,127.5 60,842.2 59,748.2 Processing industry 5. Listrik, Gas dan Air 1,243.6 0.3% 1,505.5 1,689.6 1,611.8 1,675.9 1,689.1 1,693.6 1,825.2 1,771.4 1,737.1 1,720.1 1,725.9 1,812.4 1,790.7 1,756.1 Electricity, Gas & Water 6. Konstruksi 24,943.0 5.2% 31,620.6 31,118.5 31,658.1 33,083.8 34,197.1 35,984.9 38,707.7 39,901.7 39,667.2 40,895.0 41,508.9 41,892.1 40,216.6 36,507.8 Construction 7. Perdagangan besar dan eceran 214,568.9 44.7% 263,179.3 256,089.3 260,769.0 272,285.1 280,070.8 286,539.7 323,655.1 326,135.6 324,351.1 328,413.8 329,012.6 330,560.5 338,965.8 331,653.8 Wholesale and retail trade 8. Penyediaan akomodasi dan penyediaan makan minum 10,304.9 2.1% 14,013.7 13,403.5 13,764.7 14,143.2 14,562.5 15,250.9 16,184.8 16,385.1 16,333.4 17,265.7 17,481.4 17,961.6 18,502.7 Provision of accommodation and the 18,369.4 provision of eating and drinking 9. Transportasi, pergudangan dan komunikasi 19,287.6 4.0% 21,737.4 20,929.7 21,739.9 22,409.5 22,878.9 23,837.1 25,007.7 24,489.0 24,284.9 24,744.9 23,909.9 24,550.3 25,445.5 Transportation, warehousing and 25,242.5 communication 10. Perantara keuangan 10,356.4 2.2% 14,211.5 14,203.9 12,847.2 12,599.1 12,720.5 13,547.4 12,374.6 13,306.3 13,413.8 13,677.1 13,681.1 13,891.3 14,056.9 14,011.4 Financial Intermediaries 11. Real estate, usaha persewaan dan jasa perusahaan 20,333.4 4.2% 26,406.8 23,423.4 23,869.5 24,472.9 24,809.9 26,032.0 31,247.3 31,660.1 30,845.1 31,420.6 30,868.0 31,219.3 32,235.3 Real estate, Business Ownership, 31,805.1 and Business Services 12. Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib 445.7 0.1% 276.6 266.8 266.4 270.1 301.4 301.1 313.5 337.2 347.7 338.7 341.5 343.9 356.2 Government Administration, defense 332.8 and compulsory social security 13. Jasa pendidikan 1,588.2 0.3% 2,059.0 1,944.1 2,044.8 2,062.7 2,071.0 2,104.3 2,074.9 2,130.2 2,147.5 2,147.0 2,200.9 2,208.4 2,415.0 2,471.0 Education services 14. Jasa kesehatan dan kegiatan sosial 3,003.1 0.6% 3,597.6 3,465.6 3,610.5 3,715.3 3,803.6 3,918.3 4,063.7 4,150.3 4,148.1 4,194.3 4,233.5 4,274.8 4,338.2 4,328.4 Health services and social activities 15. Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 27,006.9 5.6% 27,865.7 26,692.6 26,939.2 27,444.0 27,699.1 28,384.3 30,491.1 31,852.2 32,220.3 32,685.0 32,927.7 33,389.1 33,867.2 Social services, social, cultural, 33,657.6 entertainment and other individual 16. Jasa perorangan yang melayani rumah tangga 1,030.3 0.2% 1,145.2 1,238.8 1,256.8 1,383.2 1,416.2 1,493.3 1,768.3 1,827.5 1,912.1 1,961.1 2,010.7 2,108.6 2,162.7 Individual services with serve 2,188.8 households 17. Badan internasional dan badan ekstra internasional lainnya 2,354.8 0.5% 413.8 384.3 372.8 360.8 344.8 328.5 307.7 286.4 276.1 258.5 246.9 239.8 224.8 International agencies and other 216.7 International extra intitutions 18. Kegiatan yang belum jelas batasannya 53,653.7 11.2% 30,978.0 29,321.6 30,985.1 26,046.4 28,357.4 27,847.0 2,711.5 3,101.3 2,488.6 2,666.0 2,768.5 3,084.3 3,225.7 Business activities are not clearly 3,121.5 defined 19. Tidak teridentifikasi 3.7 0.0% 0.0 14.2 0.0 6.6 2.1 2.1 1.8 3.4 3.0 2.1 1.9 1.9 3.2 0.0 Unidentified Total 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total MSMEs

II.4.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT SEKTOR EKONOMI OUTSTANDING MSM CREDIT BASED ON ECONOMIC SECTORS. II.4.B 1. Pertanian, perburuan dan sarana pertanian 29,328.2 2.5% 44,168.9 44,440.2 44,631.4 Agriculture,hunting and agricultural facilities 2. Pertambangan 9,072.8 0.8% 17,223.6 17,915.5 14,990.6 Mining 3. Perindustrian 70,958.0 6.0% 81,476.1 80,344.6 81,356.3 Manufacturing Industry 4. Listrik, Gas dan Air 1,340.2 0.1% 1,561.3 1,474.3 1,527.3 Electricity, Gas & Water 5. Konstruksi 26,443.4 2.2% 31,958.7 29,148.2 29,147.0 Construction 6. Perdagangan, restoran dan hotel 247,311.7 20.8% 308,688.2 301,381.3 307,672.8 Trade, restaurants and hotels 7. Pengangkutan, pergudangan dan komunikasi 12,178.8 1.0% 15,286.7 15,251.1 15,649.6 Transportation, cargo storage and communication 8. Jasa Dunia Usaha 78,402.9 6.6% 82,003.7 83,887.3 84,948.3 Business Services 9. Jasa Sosial 88,960.3 7.5% 65,954.7 64,098.1 66,098.2 Social Services 10. Lain-lain 627,862.8 52.7% 751,807.3 761,941.4 763,174.7 Others Total 1,191,859.0 100.0% 1,400,129.3 1,399,882.0 1,409,196.2 Total MSM II.5.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT JENIS PENGGUNAAN OUTSTANDING OF MSMEs CREDIT BASED ON TYPE OF USE. II.5.A Kredit Modal Kerja 375,295.9 78.2% 425,944.4 412,227.9 418,364.3 430,163.8 443,051.1 455,698.7 455,601.8 454,648.9 451,575.4 456,202.5 456,624.0 461,208.7 471,636.2 457,679.1 Working Capital Credits - Kredit Usaha Mikro 82,474.6 17.2% 92,926.2 92,396.1 94,060.3 95,484.7 98,866.4 101,758.4 96,158.6 99,661.8 99,876.2 100,991.5 102,030.2 102,677.2 103,925.6 103,543.4 - Micro Credits Enterprises - Kredit Usaha Kecil 118,077.4 24.6% 128,545.5 119,988.6 121,564.1 125,788.1 129,151.7 133,107.5 131,824.4 133,019.4 133,223.2 134,371.3 135,518.2 137,326.1 140,099.8 134,736.1 - Small Credits Enterprises - Kredit Usaha Menengah 174,744.0 36.4% 204,472.7 199,843.2 202,739.8 208,890.9 215,032.9 220,832.8 227,618.9 221,967.8 218,476.0 220,839.6 219,075.7 221,205.4 227,610.8 219,399.5 - Medium Credits Enterprises Kredit Investasi 104,586.5 21.8% 126,281.6 120,937.6 122,327.5 125,461.3 126,845.0 130,329.3 156,428.2 158,238.5 157,585.4 163,067.2 162,894.2 165,374.7 168,397.2 168,257.0 Investment Credits - Kredit Usaha Mikro 20,427.5 4.3% 20,827.8 20,233.1 20,443.9 20,599.3 20,891.6 21,311.1 30,534.0 31,180.0 31,299.3 32,246.7 32,777.4 33,548.9 34,003.9 34,507.8 - Micro Credits Enterprises - Kredit Usaha Kecil 32,834.5 6.8% 41,337.1 39,095.0 39,940.0 40,453.0 39,938.2 40,748.2 49,180.2 49,620.1 49,698.5 50,951.0 51,977.9 52,766.0 53,774.8 53,260.1 - Small Credits Enterprises - Kredit Usaha Menengah 51,324.5 10.7% 64,116.8 61,609.5 61,943.6 64,409.0 66,015.2 68,270.0 76,714.0 77,438.4 76,587.6 79,869.5 78,138.8 79,059.9 80,618.5 80,489.2 - Medium Credits Enterprises Tidak Teridentifikasi 4.1 0.0% 0.1 0.3 0.1 0.8 0.1 0.1 0.1 0.1 0.1 0.3 - - 1.2 - Unidentified - Kredit Usaha Mikro 3.0 0.0% 0.1 0.1 0.1 0.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.3 0.0 - Micro Credits Enterprises - Kredit Usaha Kecil 0.2 0.0% 0.0 0.1 0.0 0.3 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.1 0.0 - Small Credits Enterprises - Kredit Usaha Menengah 0.9 0.0% 0.0 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.2 0.0 0.0 0.7 0.0 - Medium Credits Enterprises Total 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total - Kredit Usaha Mikro 102,905.0 21.4% 113,754.0 112,629.3 114,504.3 116,084.6 119,758.0 123,069.5 126,692.6 130,841.7 131,175.5 133,238.3 134,807.5 136,226.1 137,929.8 138,051.2 - Micro Credits Enterprises - Kredit Usaha Kecil 150,912.1 31.4% 169,882.5 159,083.7 161,504.2 166,241.4 169,090.1 173,855.9 181,004.7 182,639.7 182,921.8 185,322.5 187,496.2 190,092.1 193,874.7 187,996.2 - Small Credits Enterprises - Kredit Usaha Menengah 226,069.4 47.1% 268,589.5 261,452.9 264,683.4 273,300.0 281,048.1 289,102.8 304,332.9 299,406.2 295,063.7 300,709.2 297,214.5 300,265.3 308,230.0 299,888.7 - Medium Credits Enterprises

II.5.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT JENIS PENGGUNAAN Share Des Jan Feb Mar Apr Mei Juni Juli Ags Sept Okt Nov Des Des OUTSTANDING OF MSM CREDIT BASED ON TYPE OF USE. II.5.B Kredit Modal Kerja 446,332.8 37.4% 506,392.7 496,287.6 502,402.9 Working Capital Credits - Kredit Mikro 115,393.1 9.7% 124,622.5 124,610.9 123,880.8 - Micro Credits - Kredit Kecil 116,104.5 9.7% 128,353.4 126,869.2 128,119.5 - Small Credits - Kredit Menengah 214,835.2 18.0% 253,416.8 244,807.6 250,402.6 - Medium Credits Kredit Investasi 119,520.7 10.0% 144,403.1 144,394.2 146,360.7 Investment Credits - Kredit Mikro 15,047.8 1.3% 13,546.0 13,754.7 13,734.0 - Micro Credits - Kredit Kecil 50,801.6 4.3% 60,439.8 60,249.3 61,321.4 - Small Credits - Kredit Menengah 53,671.2 4.5% 70,417.3 70,390.2 71,305.3 - Medium Credits Kredit Konsumsi 626,005.5 52.5% 749,333.5 759,200.1 760,432.5 Consumer Credits - Kredit Mikro 193,403.1 16.2% 187,796.5 192,741.5 181,629.7 - Micro Credits - Kredit Kecil 348,275.3 29.2% 447,353.1 452,264.2 462,378.8 - Small Credits - Kredit Menengah 84,327.1 7.1% 114,183.9 114,194.4 116,424.1 - Medium Credits Total 1,191,859.0 100.0% 1,400,129.3 1,399,881.9 1,409,196.2 Total - Kredit Mikro 323,844.0 27.2% 325,965.0 331,107.1 319,244.4 - Micro Credits - Kredit Kecil 515,181.5 43.2% 636,146.3 639,382.7 651,819.7 - Small Credits - Kredit Menengah 352,833.5 29.6% 438,018.0 429,392.1 438,132.1 - Medium Credits II.6.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT PROPINSI di JAWA-BALI & NASIONAL OUTSTANDING OF MSMEs CREDIT BASED ON PROVINCES IN JAVA AND BALI. II.6.A Jawa Bali 297,414.3 62.0% 339,855.9 328,152.5 332,337.7 341,495.3 327,140.8 361,086.5 377,038.4 375,613.6 373,124.1 378,466.8 377,660.4 381,668.7 390,911.5 383,647.7 Java & Bali Di luar Jawa Bali 182,472.3 38.0% 212,370.2 205,013.3 208,340.7 214,130.6 242,755.4 224,941.6 234,991.8 237,274.0 236,036.8 240,803.2 241,857.8 244,914.8 249,123.0 242,288.4 Outside Java & Bali Nasional 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 National II.6.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT PROPINSI di JAWA-BALI & NASIONAL OUTSTANDING OF MSM CREDIT BASED ON PROVINCES IN JAVA AND BALI. II.6.B Share Des Jan Feb Mar Apr Mei Juni Juli Ags Sept Okt Nov Des Des Jawa Bali 741,560.4 62.2% 862,750.4 865,604.8 866,041.2 Java & Bali Di luar Jawa Bali 450,298.7 37.8% 537,378.9 534,277.1 543,155.0 Outside Java & Bali Nasional 1,191,859.0 100.0% 1,400,129.3 1,399,882.0 1,409,196.2 National

II.7.A PERKEMBANGAN BAKI DEBET KREDIT UMKM MENURUT LOKASI PROYEK DI PROPINSI OUTSTANDING OF MSMEs CREDIT BASED ON MAIN PROJECT LOCATIONS BY PROVINCES. II.7.A 1 Jawa Barat 62,034.7 12.9% 72,244.7 70,034.1 71,399.1 72,019.6 74,909.5 76,438.3 79,125.3 80,420.1 80,189.4 80,437.6 81,088.1 82,224.1 84,202.0 83,128.3 West Java 2 Banten 16,680.0 3.5% 19,645.5 19,071.5 19,358.8 19,834.5 20,467.1 21,197.8 22,452.7 22,771.1 22,385.5 22,484.0 22,751.9 23,335.6 23,521.0 23,026.7 Banten 3 DKI Jakarta Raya 82,656.0 17.2% 93,588.3 86,828.5 87,499.9 90,350.8 90,365.3 95,849.4 98,556.5 93,153.2 91,430.3 93,835.8 91,039.2 92,642.1 95,742.2 93,625.3 DKI Jakarta Raya 4 D.I. Yogyakarta 6,331.8 1.3% 7,642.4 7,476.2 7,579.3 7,762.8 7,791.5 8,343.6 8,922.8 9,131.8 9,144.5 9,348.9 9,359.0 9,432.8 9,660.1 9,428.8 Yogyakarta 5 Jawa Tengah 49,077.5 10.2% 57,820.2 57,748.4 58,260.1 60,456.9 61,102.0 63,244.4 66,290.0 67,047.4 67,319.5 68,559.6 68,957.2 69,229.8 70,331.9 69,092.7 Central Java 6 Jawa Timur 65,716.2 13.7% 69,985.4 68,393.1 69,626.5 71,991.9 73,727.6 75,636.1 80,626.0 81,480.6 80,819.1 81,538.2 82,106.5 82,200.7 84,223.4 82,714.1 East Java 7 Bengkulu 3,198.7 0.7% 3,711.4 3,688.7 3,687.1 3,792.9 3,889.5 3,946.4 4,065.6 4,111.1 4,077.0 4,117.8 4,113.9 4,138.8 4,210.5 4,103.2 Bengkulu 8 Jambi 6,850.5 1.4% 8,002.3 7,784.5 7,891.9 8,104.9 8,261.3 8,563.8 8,903.2 8,905.7 8,895.8 8,967.0 8,964.8 8,922.6 9,005.6 8,861.8 Jambi 9 N. Aceh Darussalam 5,969.4 1.2% 6,529.1 6,320.8 6,353.8 6,619.8 6,713.2 6,777.7 7,349.7 7,136.4 7,076.8 7,169.6 7,194.9 7,260.5 7,179.9 6,970.4 N. Aceh Darussalam 10 Sumatera Utara 27,153.9 5.7% 31,989.7 30,627.5 31,396.1 32,087.8 32,719.6 33,146.3 34,829.1 35,114.9 35,425.9 35,811.5 36,649.9 36,935.6 37,507.5 36,821.9 North Sumatera 11 Sumatera Barat 9,513.7 2.0% 11,515.6 11,182.0 11,516.3 11,843.9 12,129.5 12,338.7 12,400.3 12,509.9 12,332.8 12,472.5 12,391.9 12,358.9 12,632.2 12,363.7 West Sumatera 12 Riau 14,414.4 3.0% 16,586.7 16,066.4 16,159.8 16,272.2 16,629.9 17,346.9 18,024.6 18,217.0 17,852.1 18,171.6 18,130.2 18,229.2 18,478.7 18,053.3 Riau 13 Sumatera Selatan 12,531.2 2.6% 15,268.2 14,911.0 15,015.2 15,199.9 15,723.8 16,141.2 16,697.7 16,833.0 16,881.6 17,809.6 17,792.3 17,709.3 18,011.0 17,366.4 South Sumatera 14 Kepulauan Riau 5,456.6 1.1% 6,570.2 6,584.9 6,583.8 6,793.9 7,035.6 7,521.4 7,797.7 8,078.2 8,029.1 8,312.8 8,137.4 8,256.0 8,552.2 8,415.6 Riau Islands 15 Bangka Belitung 2,257.5 0.5% 2,644.2 2,523.1 2,554.7 2,461.5 2,541.2 2,588.5 2,791.3 2,830.7 2,839.3 2,906.2 2,961.1 2,989.1 3,050.8 2,897.9 Bangka Belitung 16 Lampung 9,650.3 2.0% 10,954.8 11,056.6 10,898.8 10,989.8 11,364.5 11,454.9 11,812.1 12,012.3 11,802.6 12,013.1 11,966.7 12,626.9 13,122.5 12,867.4 Lampung 17 Kalimantan Selatan 6,459.9 1.3% 8,252.9 7,583.0 7,650.5 8,066.1 8,368.9 8,388.1 8,833.4 8,912.0 8,727.4 9,018.5 8,957.2 8,908.3 9,083.8 8,869.4 South Borneo 18 Kalimantan Barat 7,103.6 1.5% 8,567.6 8,297.2 8,421.5 8,759.4 9,065.3 9,280.7 9,772.3 9,913.8 9,899.6 10,073.2 10,339.7 10,544.5 10,912.2 10,688.3 West Borneo 19 Kalimantan Timur 15,234.1 3.2% 17,421.3 16,376.8 16,676.3 17,394.5 17,865.2 18,305.0 19,180.6 19,655.8 19,721.0 20,274.3 20,222.3 20,426.8 20,154.5 19,102.6 East Borneo 20 Kalimantan Tengah 3,631.2 0.8% 4,498.3 4,380.8 3,961.1 4,059.4 4,167.7 4,283.0 4,417.9 4,484.7 4,526.4 4,760.2 4,786.1 4,777.0 4,962.5 4,832.1 Central Borneo 21 Sulawesi Tengah 5,236.8 1.1% 5,618.6 5,373.1 5,462.5 5,680.5 5,848.7 6,019.0 6,335.0 6,398.4 6,365.9 6,498.0 6,483.3 6,542.9 6,666.7 6,519.9 Central Sulawesi 22 Sulawesi Selatan 18,063.0 3.8% 19,594.2 19,452.5 20,409.8 21,023.6 21,559.9 21,911.4 23,241.5 23,362.9 23,051.9 23,297.0 23,306.2 23,292.8 23,785.0 23,220.7 South Sulawasi 23 Sulawesi Utara 5,997.7 1.2% 5,920.5 5,684.2 5,758.2 5,942.9 6,101.4 6,248.0 6,528.8 6,295.3 6,165.8 6,357.1 6,422.2 6,433.6 6,497.2 6,308.6 North Sulawesi 24 Sulawesi Barat 1,326.7 0.3% 1,568.8 1,571.5 1,617.0 1,651.2 1,689.1 1,716.4 1,783.5 1,798.8 1,783.0 1,823.3 1,821.6 1,840.1 1,876.2 1,895.3 West Sulawesi 25 Gorontalo 1,711.9 0.4% 1,833.0 1,792.9 1,813.7 1,847.0 1,901.4 1,944.6 1,989.5 1,983.1 1,933.4 1,968.8 1,970.5 1,993.0 2,026.5 2,030.8 Gorontalo 26 Sulawesi Tenggara 2,911.6 0.6% 3,776.2 3,740.6 3,847.3 4,015.7 4,070.7 4,175.5 4,371.2 4,453.9 4,437.6 4,511.7 4,529.4 4,568.2 4,588.7 4,550.5 Southeast Sulawesi 27 Nusa Tenggara Barat 4,181.6 0.9% 5,611.7 5,581.2 5,729.1 5,951.2 6,082.0 6,217.0 6,444.1 6,508.9 6,512.1 6,628.6 6,607.1 6,666.3 6,806.6 6,710.3 West Nusa Tenggara 28 Bali 14,918.0 3.1% 18,929.4 18,600.6 18,614.1 19,078.9 19,546.4 20,376.9 21,065.1 21,609.4 21,835.8 22,262.7 22,358.5 22,603.5 23,231.0 22,631.8 Bali 29 Nusa Tenggara Timur 2,706.3 0.6% 3,382.2 3,185.7 3,330.2 3,466.8 3,597.8 3,758.2 3,917.2 3,997.5 4,076.2 4,102.5 4,166.5 4,209.4 4,238.1 4,037.3 East Nusa Tenggara 30 Maluku 1,759.5 0.4% 1,812.6 1,703.1 1,721.0 1,771.6 1,812.7 1,827.1 1,926.2 1,930.8 1,848.6 1,877.7 1,912.0 1,929.3 2,003.6 1,887.6 Maluku 31 Papua 4,758.7 1.0% 5,481.2 4,633.7 4,856.6 5,128.9 5,335.4 5,497.2 5,844.7 6,025.5 6,028.1 6,154.4 6,306.2 7,237.5 7,477.7 7,119.2 Papua 32 Maluku Utara 1,207.7 0.3% 1,335.2 1,285.0 1,309.0 1,352.5 1,418.1 1,437.2 1,486.9 1,481.0 1,457.3 1,446.7 1,457.2 1,459.6 1,482.1 1,444.0 North Maluku 33 Papua Barat 1,897.1 0.4% 2,522.9 2,244.7 2,327.9 2,427.1 2,497.1 2,606.4 2,764.1 2,817.5 2,782.1 2,817.8 2,850.4 3,220.4 3,375.8 3,197.6 West Papua 34 Bank Diluar Negeri 258.8 0.1% 368.9 371.9 377.6 368.4 365.1 446.5 369.9 370.6 386.6 327.0 312.5 332.0 335.4 62.1 Foreign Banks 35 Tidak Teridentifikasi 1,029.8 0.2% 1,031.9 1,010.0 1,027.4 1,057.2 3,232.4 1,054.4 1,114.0 1,134.7 1,120.8 1,114.5 1,104.2 1,106.1 1,099.2 1,090.4 Unidentified Total Kredit UMKM Nasional 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total of National's MSMEs Credits

II.7.B PERKEMBANGAN BAKI DEBET KREDIT MKM MENURUT LOKASI PROYEK DI PROPINSI OUTSTANDING OF MSM CREDIT BASED ON MAIN PROJECT LOCATIONS BY PROVINCES. II.7.B Share Des Jan Feb Mar Apr Mei Juni Juli Ags Sept Okt Nov Des Des 1 Jawa Barat 182,814 15.3% 215,389.7 217,867.7 220,146.2 West Java 2 Banten 57,722 4.8% 71,173.1 71,220.7 73,848.5 Banten 3 DKI Jakarta 216,632 18.2% 238,137.9 239,368.7 229,695.9 DKI Jakarta Raya 4 D.I. Yogyakarta 15,396 1.3% 18,245.5 18,092.8 18,385.6 Yogyakarta 5 Jawa Tengah 105,439 8.8% 125,393.4 125,259.8 127,071.9 Central Java 6 Jawa Timur 133,036 11.2% 156,131.6 155,652.2 157,996.3 East Java 7 Bengkulu 8,456 0.7% 10,532.7 10,555.9 10,631.0 Bengkulu 8 Jambi 15,692 1.3% 18,972.9 18,963.7 19,263.9 Jambi 9 D.I. Aceh 18,675 1.6% 20,316.4 20,188.6 20,386.9 N. Aceh Darussalam 10 Sumatera Utara 59,453 5.0% 70,982.0 70,465.6 71,622.0 North Sumatera 11 Sumatera Barat 23,979 2.0% 28,137.5 27,689.4 28,154.0 West Sumatera 12 Riau 32,808 2.8% 38,031.4 37,751.4 38,021.4 Riau 13 Sumatera Selatan 30,629 2.6% 35,958.4 35,958.5 36,530.0 South Sumatera 14 Kep. Riau 14,770 1.2% 17,687.7 17,572.6 17,754.7 Riau Islands 15 Bangka Belitung 4,578 0.4% 5,469.2 5,399.1 5,507.5 Bangka Belitung 16 Lampung 24,142 2.0% 27,877.5 27,909.0 28,444.4 Lampung 17 Kalimantan Selatan 17,480 1.5% 21,036.0 20,767.0 21,199.9 South Borneo 18 Kalimantan Barat 16,794 1.4% 20,541.2 20,300.9 20,633.4 West Borneo 19 Kalimantan Timur 27,550 2.3% 33,312.5 32,685.7 33,181.6 East Borneo 20 Kalimantan Tengah 8,506 0.7% 11,842.1 11,762.7 11,934.6 Central Borneo 21 Sulawesi Tengah 11,974 1.0% 14,854.3 14,848.1 15,215.6 Central Sulawesi 22 Sulawesi Selatan 43,493 3.6% 51,358.1 51,307.7 52,200.1 South Sulawasi 23 Sulawesi Utara 16,166 1.4% 19,122.0 18,931.2 19,279.1 North Sulawesi 24 Sulawesi Barat 3,214 0.3% 4,007.7 4,119.5 4,184.4 West Sulawesi 25 Gorontalo 4,796 0.4% 6,002.7 6,045.2 6,166.8 Gorontalo 26 Sulawesi Tenggara 8,650 0.7% 10,884.5 10,938.2 11,202.8 Southeast Sulawesi 27 Nusa Tenggara Barat 13,300 1.1% 16,242.9 16,224.4 16,536.5 West Nusa Tenggara 28 Bali 30,520 2.6% 38,279.2 38,142.9 38,896.8 Bali 29 Nusa Tenggara Timur 10,441 0.9% 12,563.2 12,356.3 12,584.7 East Nusa Tenggara 30 Maluku 5,021 0.4% 6,018.8 5,945.9 6,047.9 Maluku 31 Papua 9,762 0.8% 12,572.9 12,232.5 12,548.0 Papua 32 Maluku Utara 3,113 0.3% 3,913.7 3,868.9 3,977.4 North Maluku 33 Papua Barat 3,681 0.3% 4,852.5 4,772.8 4,912.9 West Papua 34 Lain-lain 13,176 1.1% 14,288.3 14,716.2 15,033.5 Unidentified Total Kredit MKM Nasional 1,191,859.0 100.0% 1,400,129.3 1,399,882.0 1,409,196.2 Total of National's MSM Credits

II.8.A PERKEMBANGAN BAKI DEBET KREDIT UMKM di KAWASAN INDONESIA TIMUR (KTI) OUTSTANDING OF MSMEs CREDIT BASED ON PROVINCES IN EASTERN INDONESIAN AREA (EIA). II.8.A 1. Sulawesi Selatan 18,063.0 3.8% 19,594.2 19,452.5 20,409.8 21,023.6 21,559.9 21,911.4 23,241.5 23,362.9 23,051.9 23,297.0 23,306.2 23,292.8 23,785.0 23,220.7 1. South Sulawesi 2. Kalimantan Timur 15,234.1 3.2% 17,421.3 16,376.8 16,676.3 17,394.5 17,865.2 18,305.0 19,180.6 19,655.8 19,721.0 20,274.3 20,222.3 20,426.8 20,154.5 19,102.6 2. East Kalimantan 3. Sulawesi Utara 5,997.7 1.2% 5,920.5 5,684.2 5,758.2 5,942.9 6,101.4 6,248.0 6,528.8 6,295.3 6,165.8 6,357.1 6,422.2 6,433.6 6,497.2 6,308.6 3. North Sulawesi 4. Kalimantan Selatan 6,459.9 1.3% 8,252.9 7,583.0 7,650.5 8,066.1 8,368.9 8,388.1 8,833.4 8,912.0 8,727.4 9,018.5 8,957.2 8,908.3 9,083.8 8,869.4 4. South Kalimantan 5. Kalimantan Barat 7,103.6 1.5% 8,567.6 8,297.2 8,421.5 8,759.4 9,065.3 9,280.7 9,772.3 9,913.8 9,899.6 10,073.2 10,339.7 10,544.5 10,912.2 10,688.3 5. West Kalimantan 6. NTB 4,181.6 0.9% 5,611.7 5,581.2 5,729.1 5,951.2 6,082.0 6,217.0 6,444.1 6,508.9 6,512.1 6,628.6 6,607.1 6,666.3 6,806.6 6,710.3 6. West Nusa Tenggara 7. Sulawesi Tengah 5,236.8 1.1% 5,618.6 5,373.1 5,462.5 5,680.5 5,848.7 6,019.0 6,335.0 6,398.4 6,365.9 6,498.0 6,483.3 6,542.9 6,666.7 6,519.9 7. Central Sulawesi 8. NTT 2,706.3 0.6% 3,382.2 3,185.7 3,330.2 3,466.8 3,597.8 3,758.2 3,917.2 3,997.5 4,076.2 4,102.5 4,166.5 4,209.4 4,238.1 4,037.3 8. East Nusa Tenggara 9. Papua 4,758.7 1.0% 5,481.2 4,633.7 4,856.6 5,128.9 5,335.4 5,497.2 5,844.7 6,025.5 6,028.1 6,154.4 6,306.2 7,237.5 7,477.7 7,119.2 9. Papua 10. Kalimantan Tengah 3,631.2 0.8% 4,498.3 4,380.8 3,961.1 4,059.4 4,167.7 4,283.0 4,417.9 4,484.7 4,526.4 4,760.2 4,786.1 4,777.0 4,962.5 4,832.1 10. Central Kalimantan 11. Sulawesi Tenggara 2,911.6 0.6% 3,776.2 3,740.6 3,847.3 4,015.7 4,070.7 4,175.5 4,371.2 4,453.9 4,437.6 4,511.7 4,529.4 4,568.2 4,588.7 4,550.5 11. Southeast Sulawesi 12. Maluku 1,759.5 0.4% 1,812.6 1,703.1 1,721.0 1,771.6 1,812.7 1,827.1 1,926.2 1,930.8 1,848.6 1,877.7 1,912.0 1,929.3 2,003.6 1,887.6 12. Maluku 13. Papua Barat d 1,897.1 0.4% 2,522.9 2,244.7 2,327.9 2,427.1 2,497.1 2,606.4 2,764.1 2,817.5 2,782.1 2,817.8 2,850.4 3,220.4 3,375.8 3,197.6 13. West Papua d 14. Maluku Utara 1,207.7 0.3% 1,335.2 1,285.0 1,309.0 1,352.5 1,418.1 1,437.2 1,486.9 1,481.0 1,457.3 1,446.7 1,457.2 1,459.6 1,482.1 1,444.0 14. North Maluku 15. Sulawesi Barat e 1,326.7 0.3% 1,568.8 1,571.5 1,617.0 1,651.2 1,689.1 1,716.4 1,783.5 1,798.8 1,783.0 1,823.3 1,821.6 1,840.1 1,876.2 1,895.3 15. West Sulawesi e 16. Gorontalo c 1,711.9 0.4% 1,833.0 1,792.9 1,813.7 1,847.0 1,901.4 1,944.6 1,989.5 1,983.1 1,933.4 1,968.8 1,970.5 1,993.0 2,026.5 2,030.8 16. Gorontalo c Total Kredit UMKM KTI 84,187.3 17.5% 97,197.2 92,886.0 94,891.7 98,538.4 101,381.4 103,614.8 108,836.7 110,019.7 109,316.5 111,610.0 112,137.9 114,049.7 115,937.4 112,414.3 Total of MSMEs Credits in EIA Total NPL KTI 2,836.1 0.6% 2,974.7 3,351.2 3,464.9 3,560.1 3,689.0 3,779.4 3,779.6 3,963.6 4,176.8 4,198.4 4,250.2 4,241.9 3,895.7 4,512.5 Total of NPL in EIA r % NPL KTI 0.0 3.06% 3.61% 3.65% 3.61% 3.64% 3.65% 3.47% 3.60% 3.82% 3.76% 3.79% 3.72% 3.36% 4.01% % of NPL in EIA r Total NPL KBI 14,607.2 3.0% 15,792.0 16,801.6 17,266.2 17,385.9 17,942.0 18,401.5 17,834.9 18,271.9 18,842.1 18,640.3 19,007.0 18,620.9 17,849.7 19,442.8 Total of NPL in WIA r % NPL KBI 0.0 3.47% 3.82% 3.87% 3.80% 3.83% 3.81% 3.54% 3.63% 3.77% 3.67% 3.75% 3.63% 3.41% 3.79% % of NPL in WIA r Total Kredit UMKM 479,886.5 100.0% 552,226.1 533,165.8 540,691.9 555,625.9 569,896.3 586,028.1 612,030.2 612,887.6 609,160.9 619,270.0 619,518.2 626,583.4 640,034.5 625,936.1 Total of MSMEs Credits Total Kredit UMKM KBI 395,699.3 82.5% 455,028.9 440,279.8 445,800.2 457,087.5 468,514.8 482,413.3 503,193.5 502,867.9 499,844.4 507,660.0 507,380.4 512,533.8 524,097.1 513,521.8 Total of MSMEs Credits in Western Indonesian Area (WIA) % KBI thd Kredit UMKM Nasional 82.5% 82.4% 82.6% 82.4% 82.3% 82.2% 82.3% 82.2% 82.0% 82.1% 82.0% 81.9% 81.8% 81.9% 82.0% Contribution of MSMEs Credits in WIA to National MSMEs Credits % KTI thd total Kredit UMKM Nasional 17.5% 17.6% 17.4% 17.6% 17.7% 17.8% 17.7% 17.8% 18.0% 17.9% 18.0% 18.1% 18.2% 18.1% 18.0% 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 CREDIT BASED ON PROVINCES IN EASTERN INDONESIAN AREA (EIA). II.8.B Share Des Jan Feb Mar Apr Mei Juni Juli Ags Sept Okt Nov Des Des 1. Sulawesi Selatan 43,492.9 3.6% 51,358.1 51,307.7 52,200.1 1. South Sulawesi 2. Kalimantan Timur 27,550.3 2.3% 33,312.5 32,685.7 33,181.6 2. East Kalimantan 3. Sulawesi Utara 16,165.5 1.4% 19,122.0 18,931.2 19,279.1 3. North Sulawesi 4. Kalimantan Selatan 17,479.6 1.5% 21,036.0 20,767.0 21,199.9 4. South Kalimantan 5. Kalimantan Barat 16,794.4 1.4% 20,541.2 20,300.9 20,633.4 5. West Kalimantan 6. NTB 13,299.5 1.1% 16,242.9 16,224.4 16,536.5 6. West Nusa Tenggara 7. Sulawesi Tengah 11,974.2 1.0% 14,854.3 14,848.1 15,215.6 7. Central Sulawesi 8. NTT 10,441.3 0.9% 12,563.2 12,356.3 12,584.7 8. East Nusa Tenggara 9. Papua 9,762.2 0.8% 12,572.9 12,232.5 12,548.0 9. Papua 10. Kalimantan Tengah 8,505.7 0.7% 11,842.1 11,762.7 11,934.6 10. Central Kalimantan 11. Sulawesi Tenggara 8,649.7 0.7% 10,884.5 10,938.2 11,202.8 11. Southeast Sulawesi 12. Maluku 5,020.8 0.4% 6,018.8 5,945.9 6,047.9 12. Maluku 13. Papua Barat d 3,680.5 0.3% 4,852.5 4,772.8 4,912.9 13. West Papua d 14. Maluku Utara 3,113.4 0.3% 3,913.7 3,868.9 3,977.4 14. North Maluku 15. Sulawesi Barat e 3,214.1 0.3% 4,007.7 4,119.5 4,184.4 15. West Sulawesi e 16. Gorontalo c 4,795.6 0.4% 6,002.7 6,045.2 6,166.8 16. Gorontalo c Total Kredit MKM KTI 203,939.5 17.1% 249,124.9 247,106.9 251,805.6 Total of MSMCredits in EIA Total NPL KTI 3,773.2 0.3% 4,728.3 5,223.5 5,379.8 Total of NPL in EIA % NPL KTI 1.9% 1.9% 2.1% 2.1% % of NPL in EIA Total NPL KBI/Total of NPL in WIA 24,418.0 29352.4 31603.4 32464.7 Total of NPL in WIA % NPL KBI 2.47% 2.55% 2.74% 2.80% % of NPL in WIA Total Kredit MKM 1,191,859.0 1,400,129.3 1,399,882.0 1,409,196.2 Total of MSMCredits Total Kredit MKM KBI 987,919.5 1,151,004.4 1,152,775.0 1,157,390.5 % KBI thd Kredit MKM Nasional 82.9% 82.2% 82.3% 82.1% % KTI thd total Kredit MKM Nasional 17.1% 17.8% 17.7% 17.9% Total of MSM Credits in Western Indonesian Area (WIA) Contribution of MSM Credits in WIA to National MSM Credits Contribution of MSM Credits in EIA to National's MSM Credits