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Statistik Perbankan Syariah (SPS)
merupakan media publikasi yang menyediakan
informasi mengenai data perbankan syariah di
Indonesia. Statistik ini diterbitkan setiap bulan
oleh Direktorat Perbankan Syariah - Bank
Indonesia dan disusun untuk memenuhi
kebutuhan intern Bank Indonesia dan
kebutuhan pihak ekstern mengenai kegiatan
perbankan syariah beserta perkembangannya.
Guna memberikan pemahaman yang
tepat terhadap data yang disajikan, kami
sarankan agar pembaca terlebih dahulu
memahami penjelasan, singkatan serta daftar
istilah yang ada.
Kami mengharapkan agar data yang
disajikan dapat memberikan manfaat yang
optimal bagi pembaca. Apabila pembaca ingin
menyampaikan pertanyaan atau masukan,
silakan menghubungi kami melalui email:
Direktorat Perbankan Syariah
BANK INDONESIA
The Islamic Banking Statistics is a
media publication that provides information
regarding the Islamic Banking Industry in
Indonesia. This monthly publication is
published by the Directorate of Islamic Banking,
Bank Indonesia, to accomodate the needs of
the stakeholders.
In order to get a better understanding
about the data presented in this publication,
we suggest that the readers go through the
clarification, abbreviations and glossary.
We hope that this publication gives
benefit to our readers.
For questions or suggestions, kindly send email
Directorate of Islamic Banking
BANK INDONESIA
FOREWORD KATA PENGANTAR
i
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
ii
DAFTAR ISI CONTENTS page Kata Pengantar ……………………………………………………………………………………………………………………………. i Foreword Daftar Isi ………………………………………………………………………………………………………………………………………. ii Contents Penjelasan ……………………………………………………………………………………………………………………………………. v Clarification Daftar Singkatan …………………………………………………………………………………………………………………………… vi Abbreviations Daftar Istilah …………………………………………………………………………………………………………………………………. vii Glossary Tab. 1 Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ...…..…………………......... 1 Tab 2 Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)…… 2 Tab 3 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of
Islamic Rural Bank based on Location) ............................................................................. 3
Tab. 4 Layanan Syariah (Office Channeling) ................................................................................ 4 Tab. 5 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... 5 Tab. 6 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial
Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ 6
Tab. 7 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) ..................................................................................................................
7
Tab. 8 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) .................
8
Tab. 9 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement).................................................................................
9
Tab. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) ......................................................................................................
10
Tab. 11 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank)................................................
11
Tab. 12 Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)………......................
12
Tab. 13 Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet Account - Islamic Rural Bank ).........................................................................................
13
Tab. 14 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) ..............................
14
Tab. 15 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) .........................................................................................................
15
Tab. 16 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit).........
16
Tab. 17 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) ..............................
17
Tab. 18 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ............
18
DAFTAR ISI
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
iii
Tab. 19
Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) .................................................................................
page 19
Tab. 20 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ..............................................................................................................
20
Tab. 21 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) ……………………………………...
21
Tab. 22
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) .............................................................................................................
22
Tab. 23 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage)………………………………………….
23
Tab. 24 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) ………………………………………………………………………………………………….
24
Tab. 25 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) ………................................
25
Tab. 26 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)………………………………………........................................................................
26
Tab. 27 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) ……………………….........................
27
Tab. 28 Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ……….........……………………................................
28
Tab. 29 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector)……………………………………………………………………………………………………......................
29
Tab. 30 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) ............................................................................
30
Tab. 31 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) ..............................................................................................................................
31
Tab. 32 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) …………………………………………….......…
32
Tab. 33 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) ........................................................................................................................
33
Tab. 34 Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) .......................................................
34
Tab. 35 Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) ................................................................................................................................
35
Tab. 36 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) .......................................................................................
36
Tab. 37 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) .................
37
Tab. 38 Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)........................................................
38
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
iv
Tab. 39
Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank).................................................................................................................................
Page 39
Tab. 40 Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) ...................................................................................
40
Tab. 41 Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)… 41
Tab. 42 Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) ........................................................................................................................
42
Tab. 43 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province).........................................................................
43
Tab. 44 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province)............................................................................................................................
44
Tab. 45 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province)..........................................................................
45
Tab. 46 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and Province)............................................................................................................................
46
Tab. 47 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province).....................................................................
47
Tab. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)...
48
Tab. 49 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province)..................................................
49
Tab. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province)....................................................................................................
50
Tab. 51 Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District)…………………………………………………..................................................................
51
Grafik 1 Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) ………………..........…
52
Grafik 2 Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank) …….…………………………………………......................................
53
Grafik 3 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit ) …………………………………………………………………..................................
54
Grafik 4 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) …….........................
55
Graph 5 Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) ....…………………………………………….……………
56
Grafik 6 Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 57
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
v
Graph 7 Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)........................................................
58
Grafik 8 Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank)........................................................................................................................
59
Grafik 9 Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)....................
60
Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF – Islamic Rural Bank).................................................................................................
61
Grafik 11 Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)..............
62
Grafik 12 Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank)...................................................................................
63
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
vi
1. Data yang digunakan dalam SPS bersumber
dari Laporan Bulanan Bank Umum Syariah
(LBUS) dan Laporan Bulanan Bank
Pembiayaan Rakyat Syariah (LapBul BPRS)
kecuali dinyatakan lain.
2. Data Non Performing yang ditampilkan
merupakan Non Performing gross yaitu tanpa
memperhitungkan penyisihan yang dibentuk
untuk mengantisipasi risiko kerugian.
3. Proses download data.
Data LBUS dan LapBul BPRS yang disampaikan
bank pelapor kepada Bank Indonesia diproses
pada server web LBUS dan LapBul BPRS.
Perbedaan waktu proses data LBUS dan
LapBul BPRS dapat menyebabkan perbedaan
antara data yang dipublikasikan dalam SPS
dengan publikasi yang lain. Oleh karena itu
pembaca dihimbau memperhatikan waktu
proses data. Pemrosesan data SPS bulan Mei
2011 dilakukan pada tanggal 23 Juni 2011.
4. Publikasi buku Statistik Perbankan Syariah
dapat dilihat melalui website Bank Indonesia
www.bi.go.id.
1. The data presented in the Islamic Banking
Statistics is derived from the Islamic Bank and
Islamic Rural Bank Monthly Reports unless
mentioned otherwise.
2. Non Performing Financing data is shown as
the gross non performing financing that is
without taking into account the reserve
formed in anticipation of the risk of losses.
3. Data downloading process.
Data of the Islamic Bank and Islamic Rural
Bank Monthly Report is submitted by
reporting banks to Bank Indonesia and is
processed on the web server. The difference
in the processing time may result in variations
of the data published in this Islamic Banking
Statistics compared to other published data.
Therefore, readers are recommended to take
notice of the data processing time. The data
processing time of the May 2011 Islamic
Banking Statistics is on June 23, 2011.
4. The Islamic Banking Statistics can be viewed
on Bank Indonesia website www.bi.go.id.
PENJELASAN CLARIFICATION
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
vii
UUS : Unit Usaha Syariah
BUS : Bank Umum Syariah
BPRS : Bank Pembiayaan Rakyat Syariah
PT : Perseroan Terbatas
BPD : Bank Pembangunan Daerah
SWBI : Sertifikat Wadiah Bank Indonesia
SBIS : Sertifikat Bank Indonesia Syariah
UKM : Usaha Kecil dan Menengah
PPAP : Penyisihan Penghapusan Aktiva
Produktif
PUAS : Pasar Uang Antar Bank berdasarkan
prinsip Syariah
FDR : Financing to Deposit Ratio, yaitu
rasio pembiayaan terhadap dana
pihak ketiga
NPF : Non Performing Financing, yaitu
rasio pembiayaan bermasalah
terhadap total pembiayan
ROA : Return on Assets, yaitu rasio laba
sebelum pajak (disetahunkan)
terhadap total asset rata-rata
ROE : Return on Equity, yaitu rasio laba
setelah pajak (disetahunkan)
terhadap total modal rata-rata
BOPO : Rasio Biaya Operasional terhadap
Pendapatan Operasional
DPK : Dana Pihak Ketiga
PYD : Pembiayaan yang Diberikan
UUS : Islamic Business Unit of a
Conventional Bank
BUS : Islamic Commercial Bank
BPRS : Islamic Rural Bank
PT : Limited Liabilities Company
BPD : Regional Government Bank
SWBI : Wadiah Islamic Certificate of Bank
Indonesia
SBIS : Islamic Certificate of Bank
Indonesia
UKM : Small and Medium Scale Enterprise
PPAP : Allowances for Earning Assets
Losses
PUAS : Interbank Islamic Money Market
FDR : Financing to Deposit Ratio
NPF : Non Performing Financing
ROA : Return on Assets, that is the ratio of
annualized earnings before taxes to
average assets
ROE : Return on Equity, that is the ratio of
annualized earnings after taxes to
average equity
BOPO : The ratio of Operational Expenses
to Operational Revenue
DPK : Depositor Funds
PYD : Financing
IDR : Indonesian Rupiah
DAFTAR SINGKATAN ABBREVIATIONS
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
viii
GLOSARY
Akad Wadiah
Wadiah Contract
: Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana
atau barang dengan kewajiban bagi pihak yang menyimpan untuk
mengembalikan dana atau barang titipan sewaktu-waktu.
A contract between the owner of the goods (the money) and the custodian
for safekeeping.
Akad Mudharabah
Mudharaba Contract
: Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul maal)
kepada pengelola dana (mudharib) untuk melakukan kegiatan usaha
tertentu yang sesuai syariah, dengan pembagian hasil usaha antara kedua
belah pihak berdasarkan nisbah yang telah disepakati sebelumnya.
A contract between a capital provider and an entrepreneur or a fund
manager, whereby the entrepreneur or fund manager can mobilize the
funds of the former for its business activity within the Sharia guidelines.
Profits made are shared between the parties according to a mutually
agreed ratio.
Akad Musyarakah
Musharaka Contract
: Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik dana
dan/atau barang untuk menjalankan usaha tertentu sesuai syariah dengan
pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang
disepakati, sedangkan pembagian kerugian berdasarkan proporsi modal
masing-masing.
A contract between two parties whereby both parties provide capital and
both may be active in managing the venture. Losses are shared on the basis
of how much capital has been contributed. Profits are shared in any way the
partners decide.
Akad Murabahah
Murabaha Contract
: Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar
harga perolehan barang ditambah dengan margin yang disepakati oleh para
pihak, dimana penjual menginformasikan terlebih dahulu harga perolehan
kepada pembeli.
The sale of goods at a price, which includes a profit margin agreed to by
both parties. The purchase and selling price, other costs, and the profit
margin must be clearly stated by the seller at the time of the sale
agreement.
DAFTAR ISTILAH
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
ix
Akad Salam
Salam Contract
Akad Istishna’
Istishna’ Contract
Akad Ijarah
Ijara Contract
Akad Qardh
Qardh Contract
Ekuivalen tingkat imbalan/
bagi hasil/fee/bonus
Equivalent rate of
return/profit
sharing/fee/bonus
:
:
:
:
Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara
pemesanan dengan syarat-syarat tertentu dan pembayaran tunai terlebih
dahulu secara penuh.
A contract in which the seller undertakes to supply some specific goods to
the buyer on a future date at a mutually agreed price fully paid at the time
of contract.
Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk
pemesanan pembuatan barang dengan criteria dan persyaratan tertentu
yang disepakati dengan pembayaran sesuai dengan kesepakatan.
A contract in which the seller undertakes to supply some specific goods to
the buyer on a future date at a mutually agreed price and method of
payment.
Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang
dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan hak pakai
atas obyek sewa dengan penyewa untuk mendapatkan imbalan atas obyek
sewa yang disewakan.
The selling of benefit or use or service for a fixed price or wage.
Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa
imbalan dengan kewajiban pihak peminjam mengembalikan pokok
pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.
A loan in which the debtor is only required to repay the amount borrowed.
Indikasi tingkat imbalan dari suatu penanaman dana atau penghimpunan
dana bank pelapor.
Indicative rate of return from Placement of Funds or Source of Funds of the
reporting bank.
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
1
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
- Jumlah Bank 3 3 3 5 6 10 10 10 10 10 11 11 11 11 11 11 11 11 - Number of Banks
- Jumlah Kantor 304 349 401 581 711 970 1,058 1,113 1,111 1,151 1,154 1,171 1,215 1,242 1,253 1,268 1,276 1,280 - Number of Offices
-
Jumlah Bank Umum
Konvensional yang memiliki
UUS
19 20 26 27 25 24 23 23 23 23 23 23 23 23 23 23 23 23 -
Number of Conventional Banks
that have Islamic Business
Unit
- Jumlah Kantor 154 183 196 241 287 274 221 251 236 237 237 239 262 264 280 307 315 298 - Number of Offices
- Jumlah Bank 92 105 114 131 138 144 145 146 146 146 148 149 150 151 151 152 153 153 - Number of Banks
- Jumlah Kantor 92 105 185 202 225 277 278 278 277 278 278 283 286 290 291 292 299 299 - Number of Offices
550 637 782 1,024 1,223 1,521 1,557 1,642 1,624 1,666 1,669 1,693 1,763 1,796 1,824 1,867 1,890 1,877
2010
Unit Usaha Syariah
2005 2006
Bank Pembiayaan Rakyat Syariah
Total Kantor
Bank Umum Syariah
2008 20092007
Islamic Commercial Bank
Islamic Business Unit
Islamic Rural Bank
Total Number of Offices
2011
Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
2
KP/UUS KPO/KC KCP/UPS KK
HO/IBU HOO/BO SBO/SSU CO
1 PT Bank Syariah Muamalat
Indones ia
1 75 73 128 1 PT Bank Syariah Muamalat Indones ia
2 PT Bank Syariah Mandiri 1 120 226 60 2 PT Bank Syariah Mandiri
3 PT Bank Syariah Mega Indones ia 1 34 327 7 3 PT Bank Syariah Mega Indones ia
4 PT Bank Syariah BRI 1 36 52 11 4 PT Bank Syariah BRI
5 PT Bank Syariah Bukopin 1 8 5 - 5 PT Bank Syariah Bukopin
6 PT Bank Panin Syariah 1 4 - - 6 PT Bank Panin Syariah
7 PT Bank Victoria Syariah 1 6 2 - 7 PT Bank Victoria Syariah
8 PT BCA Syariah 1 5 3 11 8 PT BCA Syariah
9 PT Bank Jabar dan Banten 1 7 13 - 9 PT Bank Jabar dan Banten
10 PT Bank Syariah BNI 1 28 27 - 10 PT Bank Syariah BNI
11 PT Maybank Indones ia Syariah 1 1 - - 11 PT Maybank Indones ia Syariah
Unit Usaha Syariah
12 PT Bank Danamon 1 8 3 - 12 PT Bank Danamon
13 PT Bank Permata 1 10 11 - 13 PT Bank Permata
14 PT Bank Internas ional Indones ia 1 5 - - 14 PT Bank Internas ional Indones ia (BII)
15 PT CIMB Niaga 1 23 5 - 15 PT CIMB Niaga
16 HSBC, Ltd. 1 5 - - 16 HSBC, Ltd.
17 PT Bank DKI - 2 - - 17 PT Bank DKI
18 BPD DIY 1 1 - - 18 BPD DIY
19 BPD Jawa Tengah (Jateng) 1 2 - 2 19 BPD Jawa Tengah (Jateng)
20 BPD Jawa Timur (Jatim) 1 1 3 37 20 BPD Jawa Timur (Jatim)
21 BPD Banda Aceh 1 2 11 - 21 BPD Banda Aceh
22 BPD Sumatera Utara (Sumut) 1 3 - - 22 BPD Sumatera Utara (Sumut)
23 BPD Sumatera Barat (Sumbar) 1 2 4 - 23 BPD Sumatera Barat (Sumbar)
24 BPD Riau 1 2 3 1 24 BPD Riau
25 BPD Sumatera Selatan (Sumsel ) 1 3 - 4 25 BPD Sumatera Selatan (Sumsel )
26 BPD Kal imantan Selatan (Ka lsel ) 1 2 - - 26 BPD Kal imantan Selatan (Ka lsel )
27 BPD Kal imantan Barat (Ka lbar) 1 1 - - 27 BPD Kal imantan Barat (Ka lbar)
28 BPD Kal imantan Timur (Ka l tim) 1 2 7 2 28 BPD Kal imantan Timur (Ka l tim)
29 BPD Sulawes i Selatan (Sulsel ) 1 3 1 - 29 BPD Sulawes i Selatan (Sulsel )
30 BPD Nusa Tenggara Barat (NTB) 1 1 - - 30 BPD Nusa Tenggara Barat (NTB)
31 PT BTN 1 21 7 - 31 PT BTN
32 PT Bank Tabungan Pens iunan
Nas ional (BTPN)
1 3 67 - 32 PT Bank Tabungan Pens iunan
Nas ional (BTPN)33 PT OCBC NISP 1 3 - - 33 PT OCBC NISP
34 PT Bank Sinarmas 1 1 - 1 34 PT Bank Sinarmas
188 462 850 378
Keterangan: Note:
- KP = Kantor Pusat
- UUS = Unit Usaha Syariah
- KPO = Kantor Pusat Operasional
- KC = Kantor Cabang
- KK = Kantor Kas
- Tidak termasuk Layanan Syariah
- BO = Branch Office
Bank Pembiayaan Rakyat Syariah
TOTAL
- SBO/SSU = Sub Branch Office/Syari’a Services Unit
- CO = Cash Office
- HOO = Head Operational Office
Islamic Commercial Bank
- Not Include Office Channeling
TOTAL
Islamic Rural Bank
- HO = Head Office
- IBU = Islamic Banking Unit
Group of BanksKelompok Bank
Bank Umum Syariah
Islamic Business Unit
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
- KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah
106 122 47
154 32 - 114
11 324 728 217
23
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
3
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 28 28 28 28 28 28 1 West java
2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 2 Banten
3 DKI Jakarta 0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 3 DKI Jakarta
4 D.I. Yogyakarta 2 3 6 9 9 10 10 10 10 10 10 10 10 10 10 10 10 10 4 D.I. Yogyakarta
5 Jawa Tengah 8 11 13 15 19 19 20 20 20 20 21 21 21 21 21 21 21 21 5 Central Java
6 Jawa Timur 12 17 19 23 25 27 27 27 27 27 28 29 29 29 29 29 29 30 6 East Java
7 Bengkulu 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 7 Bengkulu
8 Jambi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 Jambi
9 Nanggroe Aceh Darussalam 5 5 5 6 7 9 9 10 10 10 10 10 10 10 10 10 10 10 9 Nanggroe Aceh Darussalam
10 Sumatera Utara 6 6 7 7 7 8 8 8 8 8 8 8 8 8 8 9 10 10 10 North Sumatera
11 Sumatera Barat 3 4 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 11 West Sumatera
12 Riau 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 12 Riau
13 Sumatera Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 13 South Sumatera
14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 14 Bangka Belitung
15 Kepulauan Riau 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 15 Riau Islands
16 Lampung 3 3 3 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 16 Lampung
17 Kalimantan Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 17 South Kalimantan
18 Kalimantan Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 West Kalimantan
19 Kalimantan Timur 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 19 East Kalimantan
20 Kalimantan Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 Central Kalimantan
21 Sulawesi Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 Central Sulawesi
22 Sulawesi Selatan 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 22 South Sulawesi
23 Sulawesi Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 North Sulawesi
24 Gorontalo 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 Gorontalo
25 Sulawesi Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 West Sulawesi
26 Sulawesi Tenggara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 East West Sulawesi
27 Nusa Tenggara Barat 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 27 West Nusa Tenggara
28 Bali 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 28 Bali
29 Nusa Tenggara Timur 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 East Nusa Tenggara
30 Maluku 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 Maluku
31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 31 Papua
32 Irian Jaya Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 West Irian Jaya
33 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 North Maluku
Total 92 105 114 131 138 144 145 146 146 146 148 149 150 151 151 152 153 154
2010
Provinsi 2005 2006 2007 2008 2009
(Number of Islamic Rural Bank based on Location)
Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi
Province
2011
Total
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
4
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 UUS Bank Danamon 0 7 70 70 80 137 137 137 137 137 137 137 137 137 137 137 137 137 1 UUS Bank Danamon
2 UUS Bank Permata 0 212 184 186 192 192 192 192 192 192 192 192 192 192 192 192 192 192 2 UUS Bank Permata
3 UUS BII 0 4 8 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 3 UUS BII
4 UUS Bank Tabungan Negara 0 27 36 64 116 116 116 116 116 116 116 116 116 116 116 116 116 116 4 UUS Bank Tabungan Negara
5 UUS CIMB Niaga 0 43 63 143 505 522 522 522 522 522 522 522 522 522 522 522 522 522 5 UUS CIMB Niaga
6 UUS BTPN 0 0 0 8 12 12 12 12 12 12 12 12 12 12 12 12 12 12 6 UUS BTPN
7 UUS HSBC 0 0 7 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 7 UUS HSBC
8 UUS BPD DKI 0 10 21 33 34 34 34 34 34 34 34 34 34 34 34 34 34 34 8 UUS BPD DKI
9 UUS BPD Banda Aceh 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 UUS BPD Banda Aceh
10 UUS BPD Sumut 0 0 63 76 84 84 84 84 84 84 84 84 84 84 84 84 84 84 10 UUS BPD Sumut
11 UUS BPD Riau 0 0 8 33 37 37 37 37 37 37 37 37 37 37 37 37 37 37 11 UUS BPD Riau
12 UUS BPD Sumbar 0 0 - 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 12 UUS BPD Sumbar
13 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 13 UUS BPD Sumsel
14 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14 UUS BPD Jateng
15 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 UUS BPD DIY
16 UUS BPD Jatim 0 0 0 0 37 37 37 37 37 37 37 37 37 37 37 37 37 37 16 UUS BPD Jatim
17 UUS BPD Kalsel 0 0 10 10 15 15 15 15 15 15 15 15 15 15 15 15 15 15 17 UUS BPD Kalsel
18 UUS BPD Kalbar 0 0 0 1 5 5 5 5 5 5 5 5 5 5 5 5 5 5 18 UUS BPD Kalbar
19 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 19 UUS BPD Kaltim
20 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 UUS BPD Sulsel
21 UUS BPD Nusa Tenggara Barat 0 0 1 10 11 11 11 11 11 11 11 11 11 11 11 11 11 11 21 UUS BPD Nusa Tenggara Barat
22 UUS OCBC NISP 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 UUS OCBC NISP
23 UUS Bank Sinarmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 UUS Bank Sinarmas
24 UUS BNI 0 136 636 640 641 641 24 UUS BNI
25 UUS BPD Jabar dan Banten 0 9 9 28 28 25 UUS BPD Jabar dan Banten
26 UUS BEI 0 0 0 0 26 UUS BEI
27 UUS Bukopin 0 7 27 29 27 UUS Bukopin
28 UUS IFI 0 1 1 1 28 UUS IFI
29 UUS BRI 0 0 0 0 29 UUS BRI
30 UUS Lippo 0 0 0 30 UUS Lippo
20102005 2006 2007 2008 2009
2011
Tabel 4. Layanan Syariah (Office Channeling)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
5
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
3,523 3,913 4,311 6,609 10,348 12,439 13,349 13,594 13,829 13,828 14,708 14,858 15,224 15,748 16,269 16,774 17,045 17,316
1,436 1,797 2,266 2,562 2,296 2,273 1,615 1,717 1,750 1,752 1,783 1,780 1,868 1,834 1,842 1,811 1,880 1,898
1,037 1,666 2,108 2,581 2,799 3,030 3,031 3,039 3,035 3,068 3,111 3,086 3,172 3,220 3,257 3,244 3,238 3,238
20062010
2005
Bank Pembiayaan Rakyat Syariah
Bank Umum Syariah
Unit Usaha Syariah
2007 2008 2009
Islamic Commercial Bank
Islamic Business Unit
Islamic Rural Bank
2011
Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
6
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 Kas 226 346 488 759 1,017 1,046 1,161 1,199 1,405 1,803 1,310 1,484 1,453 1,479 1,345 1,297 1,271 1,323 Cash
2 Penempatan pada Bank Indonesia 3,180 3,641 4,540 5,189 10,393 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 13,430 11,396 13,689 12,334 12,930 Deposit in Bank Indonesia
3 Penempatan pada Bank Lain 1,058 991 1,667 1,978 3,036 3,263 3,458 3,413 3,495 3,609 3,640 4,001 4,138 3,580 3,617 3,793 3,295 3,379 Placement in Other Bank
4 Surat Berharga yang Dimiliki 730 829 1,388 2,683 3,786 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 5,801 6,364 6,224 6,122 6,048 Investment in Securities
5 Pembiayaan 15,270 20,445 27,944 38,199 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Financing
6 Tagihan Lainnya 21 15 182 136 171 185 229 263 251 460 236 256 351 342 371 395 400 450 Bill ing and Acceptable Liabilities
7 Aktiva Istishna dalam Penyelesaian 2 31 9 32 24 13 13 14 14 14 14 14 14 15 16 16 17 16 Istishna Assets in Progress
8 Penyisihan Penyusutan A.P 307 515 785 1,148 1,649 2,182 2,006 2,089 2,144 2,226 2,236 2,243 2,069 2,139 2,241 2,255 2,359 2,407 Allowances for earning assets
losses9 Penyertaan 6 6 41 79 83 88 88 88 88 88 88 88 88 88 88 88 88 90 Investment in other entities
10 Aktiva Tetap dan inventaris 236 270 296 436 672 737 748 774 783 790 816 838 899 916 928 955 959 971 Fixed Assets and Equipment
11 Antar kantor Aktiva 5,487 8,178 14,261 24,882 33,853 36,441 38,616 40,772 41,205 42,969 44,282 45,677 49,707 48,546 49,362 52,136 51,040 52,631 Inter - Office Assets
12 Rupa-rupa Aktiva 495 621 743 1,200 1,623 1,909 2,017 2,085 2,075 2,118 2,134 2,249 2,338 2,480 2,567 2,733 2,714 2,914 Other assets
20,880 26,722 36,538 49,555 66,090 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 95,743 95,987 101,189 100,568 104,333 TOTAL AKTIVA*
PASIVA PASIVA
1 Dana Pihak Ketiga 15,593 20,672 28,012 36,852 52,271 55,067 58,078 60,462 60,972 63,912 66,478 69,086 76,036 75,814 75,085 79,651 79,567 82,861 Depositor Funds
2 Kewajiban kepada Bank Indonesia 32 32 32 68 6 5 5 4 4 4 4 3 3 3 3 3 2 2 Liabilities to Bank Indonesia
3 Kewajiban kepada Bank Lain 980 874 1,951 2,419 3,717 3,472 3,843 3,937 4,151 4,765 4,016 4,642 4,924 3,963 4,515 4,300 3,759 3,704 Liabilities to other Bank
4 Surat Berharga yang Diterbitkan 265 268 350 311 340 340 340 340 340 340 340 325 325 440 440 440 440 540 Securities
5 Pinjaman Diterima 204 181 155 150 512 307 299 298 298 290 289 287 483 482 482 482 482 481 Received Borrowing
6 Kewajiban lainnya 210 285 473 727 845 960 1,020 1,033 929 989 1,020 1,109 1,321 1,350 1,419 1,633 1,446 1,500 Other Liabilities
7 Pinjaman Subordinasi - - - - 50 50 50 50 50 50 50 50 50 50 50 50 50 50 Subordinated Loan
8 Antar Kantor Pasiva 7,459 10,544 17,428 30,283 37,601 41,445 43,037 44,828 46,064 47,789 48,640 51,051 54,555 52,615 53,702 56,813 55,907 57,697 Inter -Office Liabilities
9 Rupa-rupa Pasiva 185 218 260 463 582 592 636 686 687 758 808 850 965 986 953 993 916 930 Other Liabilities
10 Modal disetor 951 991 1,017 1,752 1,946 3,137 4,138 4,592 4,592 5,092 5,911 5,911 5,965 5,965 5,965 6,165 6,265 6,265 Paid-in capital
11 Tambahan modal disetor 132 142 132 466 468 689 689 1,073 1,073 573 572 572 516 516 516 516 516 545 Additional paid-in capital
12 Selisih Penilaian kembali Aktiva Tetap - - - 13 - 3 8 9 14 19 11 11 12 3 3 3 3 6 Different appraisal Fixed Asset
13 Cadangan 230 268 275 335 449 439 434 464 464 464 490 490 491 491 491 468 470 471 Reserves
a. Cadangan Umum 230 268 275 335 449 439 434 464 464 464 490 490 491 491 491 468 464 464 General Reserves
b. Cadangan Tujuan - - - - - - - - - - - - - - - - 6 7 Special Purpose Reserves
14 Laba - Net Income
a. Tahun-tahun lalu (76) 27 149 152 315 753 733 527 527 527 527 527 527 1,438 1,401 1,408 1,274 1,286 Previous years
b. Tahun berjalan 238 355 540 432 791 301 506 604 680 852 978 1,112 1,051 148 239 400 510 626 Current year
TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 95,743 95,987 101,189 100,568 104,333 TOTAL PASIVA*
2011
2007
* Net
TOTAL AKTIVA*
Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)
Miliar Rupiah (in Bil l ion IDR )
2006 20082005 2009
2010
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
7
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 Kas 11,723 19,341 25,090 25,150 28,938 36,970 35,362 31,786 38,126 37,047 36,983 37,714 30,760 35,628 38,450 37,060 36,895 40,316 Cash
2 Penempatan pada Bank Lain 102,597 185,208 232,589 334,050 407,663 356,863 354,453 377,388 323,802 392,204 427,857 423,871 525,332 529,783 515,032 511,965 498,521 501,793 Placement in Other Bank
3 Pembiayaan 417,282 615,469 890,709 1,256,610 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Financing
4 Tagihan Lainnya - - - - - - - - - - - - - - - - - - Bil l ing and Acceptable Liabilities
5 Aktiva Istishna dalam Penyelesaian 15,119 - - (464) 350 350 350 350 313 313 - - - - - - - - Istishna Assets in Progress
6 Penyisihan Penyusutan A.P 7,901 11,994 17,491 35,339 32,413 36,223 36,814 38,581 38,563 40,373 42,322 42,627 39,172 39,964 41,657 40,760 41,167 42,724 Allowances for earning assets
losses7 Aktiva Tetap dan inventaris 16,965 21,328 28,273 40,499 46,595 53,054 54,421 56,800 56,402 57,116 59,436 59,234 59,652 63,864 64,664 65,575 64,420 67,089 Fixed Assets and Equipment
8 Rupa-rupa Aktiva 25,788 52,873 48,921 62,327 73,461 83,310 80,456 81,112 83,510 83,831 81,684 81,435 84,118 85,855 91,174 88,800 93,004 81,856 Other assets
585,467 896,017 1,215,916 1,693,332 2,123,581 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 2,776,932 2,825,135 2,843,734 2,887,121 3,006,859
PASIVA PASIVA
1 Dana Pihak Ketiga 340,892 521,152 717,858 975,815 1,250,603 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768 1,531,242 1,517,715 1,603,778 1,640,651 1,668,330 1,672,303 1,700,135 1,765,586 Depositor Funds
2 Kewajiban kepada Bank Lain 37,110 97,561 175,803 271,481 353,068 404,192 441,299 467,608 464,200 489,733 493,333 502,583 520,882 522,481 529,382 544,641 547,234 585,728 Liabilities to other Bank
3 Pinjaman Diterima 37,574 39,757 51,544 68,268 56,744 46,065 49,909 53,516 56,043 51,385 55,027 53,840 52,170 50,608 51,855 61,587 67,967 65,978 Received Borrowing
4 Kewajiban lainnya 8,992 8,808 10,912 19,545 18,419 15,684 16,983 18,695 22,105 20,477 18,500 17,937 18,802 19,729 21,038 26,377 22,060 22,773 Other Liabilities
5 Pinjaman Subordinasi 3 3 3 3 353 253 350 350 350 350 650 650 650 650 650 650 1,300 1,350 Subordinated Loan
6 Rupa-rupa Pasiva 12,212 16,717 24,989 35,861 33,351 38,122 35,889 39,122 40,105 45,739 50,969 51,311 54,921 50,812 50,186 48,771 53,449 65,804 Other Liabilities
7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 310,589 315,472 329,211 327,137 333,146 336,877 334,024 347,000 346,883 356,296 355,040 357,378 372,569 Paid-in capital
8 Tambahan modal disetor 7,175 15,523 17,610 54,605 41,929 56,214 56,906 44,636 45,218 46,118 46,135 44,921 47,448 47,425 47,816 48,806 52,863 45,184 Additional paid-in capital
9 Selisih Penilaian kembali Aktiva Tetap - - - - - - - - - - - - - - - - - - Different Appraisal Fixed Asset
10 Cadangan 9,345 16,833 20,684 28,338 36,817 47,004 47,545 47,722 48,007 43,205 42,987 42,508 41,615 41,934 42,774 48,421 50,826 56,969 Reserves
a. Cadangan Umum 4,856 10,301 11,650 16,638 22,582 30,170 30,621 30,769 31,073 30,955 30,989 30,676 30,096 30,417 31,190 35,780 37,771 41,532 General Reserves
b. Cadangan Tujuan 4,489 6,533 9,034 11,699 14,235 16,834 16,924 16,952 16,934 12,250 11,997 11,832 11,519 11,517 11,584 12,641 13,055 15,436 Special Purpose Reserves
11 Laba - Net Income
a. Tahun-tahun lalu (6,610) (5,705) (8,639) (14,501) (22,111) (17,300) (20,858) (22,900) (23,952) (23,414) (25,455) (25,440) (24,640) 41,756 36,766 13,195 2,006 (17,550) Previous years
b. Tahun berjalan 16,499 20,966 27,064 29,787 54,599 31,433 38,432 44,304 47,268 51,639 62,662 69,306 70,243 7,470 13,608 18,599 26,570 36,936 Current year
585,467 896,017 1,215,916 1,693,332 1,962,225 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 2,776,932 2,825,135 2,843,734 2,887,121 3,006,859 TOTAL PASIVA*
2010
2009
* Net
TOTAL PASIVA*
TOTAL AKTIVA*
Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)
Juta Rupiah (in Mill ion IDR)
2005
2011
2007 20082006
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
8
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 2,177 3,085 3,795 5,093 6,620 3,267 3,715 4,484 5,252 6,143 6,962 7,956 8,757 907 1,790 2,757 3,776 4,762 1
2 194 288 406 632 1,551 526 585 660 756 844 983 1,103 1,252 155 262 406 527 654 2
3 565 838 1,260 2,061 3,500 1,608 2,077 2,341 2,734 3,131 3,537 3,984 4,371 440 796 1,272 1,705 2,146 3
4 925 1,306 1,468 1,938 2,697 1,249 1,411 1,687 1,967 2,271 2,588 2,927 3,261 357 704 1,066 1,443 1,839 4
Total pendapatan 2,012 2,905 3,993 5,848 8,975 4,151 4,967 5,798 6,775 7,847 8,894 10,115 11,119 1,146 2,144 3,369 4,565 5,723 Total Revenue
1 939 1,324 1,774 2,603 3,135 1,832 1,895 2,268 2,664 3,059 3,479 3,917 4,472 459 907 1,363 1,895 2,371 1
2 202 263 317 492 1,485 350 417 491 584 671 750 847 963 76 166 265 358 457 2
3 573 904 1,273 2,147 3,523 1,609 2,076 2,344 2,741 3,142 3,548 4,074 4,383 431 782 1,260 1,688 2,133 3
Total Beban 1,714 2,491 3,365 5,242 8,143 3,790 4,387 5,103 5,989 6,872 7,777 8,838 9,818 965 1,854 2,888 3,941 4,960 Total Expenses
298 414 628 605 832 361 580 696 786 975 1,117 1,277 1,301 181 289 481 624 762
D. 16 25 33 78 (73) 0 0 0 2 2 2 2 108 0 0 0 0 0
E. 282 389 595 528 904 361 580 695 784 973 1,115 1,275 1,193 181 289 481 623 762
44 34 55 92 135 60 74 92 108 125 141 167 165 32 51 81 114 137
G. 238 355 540 432 791 301 506 604 680 852 978 1,112 1,051 148 239 400 510 626
Pendapatan non operasional
A. Pendapatan
F. Taksiran pajak penghasilan -/-
Bagi hasil investasi tidak
terikat
Operating Expenses
C. Income
D. Additional/Reduction
E. Net Income before Tax
Beban operasional
B. Expenses
2005
Beban non operasional
C. Laba tahun berjalan
2010 20112008 2009
Pendapatan Operasional
2006
B. Beban
Pendapatan Operasional
Lainnya
F. Tax Expense -/-
A. Revenue
Operating Revenue
Other operating Revenue
Non operating Revenue
Profit Sharing for Unrestricted
Investment -/-
Beban operasional lainnya
Miliar Rupiah (in Bill ion IDR)
Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )
Other Operating Expenses
Non Operating Expenses
G. Net Income
2007
Penambahan/pengurangan
Laba tahun berjalan
Laba tahun berjalan sebelum
pajak
Laba setelah taksiran pajak
penghasilan
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
9
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 97,275 154,633 203,063 293,964 382,183 185,184 224,776 266,619 303,515 347,965 396,026 419,771 484,935 42,209 88,988 133,516 178,085 229,662 1
2 9,629 15,945 22,927 32,883 43,074 21,757 26,361 31,006 35,644 37,972 43,920 48,642 55,639 5,013 10,082 15,473 21,693 27,724 2
3 1,249 3,676 6,159 6,714 8,085 2,335 2,981 3,583 4,117 5,300 10,850 11,414 12,528 875 1,453 2,087 2,687 3,815 3
4 33,430 49,949 77,246 108,154 138,769 69,208 84,076 99,240 113,894 130,010 147,580 162,459 180,257 17,109 33,585 50,813 68,535 87,731 4
Total pendapatan 88,894 142,364 186,295 267,795 347,193 165,762 201,396 239,196 271,987 315,293 362,956 382,543 441,823 38,071 80,359 120,130 159,080 205,754 Total Revenue
1 49,378 82,315 105,458 162,045 194,209 87,964 106,966 128,157 148,417 172,254 195,619 214,574 245,534 20,508 42,686 66,441 88,122 112,361 1
2 2,518 10,217 8,455 14,767 24,593 13,591 15,996 19,432 22,243 24,588 28,620 15,914 35,795 1,501 7,655 10,607 12,759 15,924 2
3 1,378 3,310 6,797 8,214 8,565 2,096 2,520 2,978 3,537 3,956 6,469 6,935 7,611 445 911 1,615 2,097 2,652 3
Total Beban 53,274 95,842 120,709 185,027 227,368 103,651 125,482 150,567 174,196 200,799 230,708 237,424 288,940 22,455 51,253 78,663 102,978 130,937 Total Expenses
21,449 27,407 34,193 40,381 67,000 36,354 44,299 51,401 55,181 60,420 72,193 79,945 83,905 8,493 15,685 21,600 30,919 42,535
D. 180 300 372 626 967 338 405 509 606 664 722 816 1,286 75 144 206 344 447
E. 21,269 27,107 33,821 39,755 66,033 36,016 43,894 50,892 54,575 59,755 71,471 79,128 82,619 8,418 15,541 21,393 30,575 42,088
4,770 6,224 7,013 9,976 11,495 4,646 5,589 6,588 7,311 8,128 9,125 9,823 12,375 989 1,933 2,794 4,038 5,152
G. 16,499 20,883 26,809 29,787 54,562 31,433 38,432 44,304 47,268 51,635 62,662 69,306 70,243 7,470 13,608 18,599 26,570 36,936
Operating Revenue
20072010
20082005
Pendapatan Operasional
Lainnya
Pendapatan Operasional
B. Beban
2006
Beban non operasional
20092011
Juta Rupiah (in Mill ion IDR)
Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )
Pendapatan non operasional
E. Net Income before Tax
F. Tax Expense -/-
Non operating Revenue
Profit Sharing for
Unrestricted Investment -/-
B. Expenses
Operating Expenses
Laba tahun berjalan sebelum
pajak
Penambahan/pengurangan
Laba tahun berjalan
A. Revenue
F. Taksiran pajak penghasilan -/-
C. Laba tahun berjalan
Other operating Revenue
Beban operasional lainnya
Bagi hasil investasi tidak
terikat -/-
G. Net Income
Beban operasional
Other Operating Expenses
Non Operating Expenses
C. Income
D. Additional/Reduction
Laba setelah taksiran pajak
penghasilan
A. Pendapatan
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
10
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 67 90 135 180 154 54 65 83 106 131 159 193 236 14 28 39 60 79 1
2 20 19 19 32 45 22 29 37 41 45 48 52 60 3 8 13 18 25 2
87 109 153 212 200 75 93 120 147 176 207 245 296 17 35 53 79 104
2009
Cost of promotion
Cost of education and training
Total
Biaya promosi
Biaya pendidikan dan
pelatihan
2005 2007 20082006
Total
(Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit)
Miliar Rupiah (in Bill ion IDR)
Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah)
2010 2011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
11
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 826 1,300 2,284 4,178 4,826 1,844 2,353 2,877 3,474 4,224 4,823 5,381 6,433 428 919 1,516 1,892 2,526 1
2 686 1,649 1,889 2,727 3,622 1,713 2,255 2,688 2,976 3,383 3,862 4,097 4,710 437 1,155 1,680 2,146 2,825 2
1,512 2,949 4,173 6,905 8,448 3,556 4,608 5,565 6,450 7,607 8,685 9,478 11,143 865 2,074 3,195 4,038 5,352 Total
Biaya pendidikan dan
pelatihan
Biaya promosi
(Cost of Promotion, Education and Training - Islamic Rural Bank)
Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah
Juta Rupiah (in Mill ion IDR)
2006 20082007 20092005
Total
Cost of promotion
Cost of education and training
20112010
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
12
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
- Fasil itas pinjaman yang belum ditarik - - - - - - - - - - - 169 179 204 247 247 246 261 - Not yet withdrawn financing facil ities
- Posisi pembelian spot yang masih berjalan 2 1 17 - - - 2 - - - - - - - - - 3 - - Spot purchases
- Posisi pembelian forward yang masih berjalan - - - - - - - - - - - - - - - - - - - Forward purchases
- Lainnya - 2 1 91 45 168 64 52 36 37 42 94 133 127 164 146 173 156 - Others
-
- Fasil itas piutang qardh yang belum ditarik 1 1 2 14 5 9 9 11 10 7 6 6 8 7 216 226 228 237 - Qardh facil i l ies that are not yet withdrawn
-Fasilitas pembiayaan kepada nasabah yang belum
ditarik 246 444 613 1,612 1,502 2,014 2,126 2,189 2,499 2,641 2,656 2,619 2,755 2,628 2,581 2,319 2,367 2,569 -
Financing facil i l ies that are not yet
withdrawn
-Fasilitas pembiayaan kepada bank syariah lain
yang belum ditarik 7 0 4 8 15 29 27 14 42 45 32 25 25 20 20 14 10 14 - Other bank financing facil ities
- Irrevocable L/C yang masih berjalan 33 167 66 141 146 96 123 87 175 175 85 142 178 181 231 218 226 207 - Irrevocable L/Cs
- Posisi penjualan spot yang masih berjalan 2 4 - - - - - - - - - - - - 23 11 17 9 - Spot sales
- Posisi penjualan forward yang masih berjalan - - - - - - - - - - - - - - - - - - - Forward sales
- Lainnya 0 32 0 33 6 5 10 4 4 5 6 32 33 20 18 23 54 87 - Others
- Garansi (Kafalah) yang diterima 0 0 10 0 3 3 3 2 2 2 2 55 61 61 63 61 58 58 - Kafalah guarantees received
- Pendapatan yang akan diterima 16 33 53 22,588 82 96 84 81 80 131,012 97 226 220 235 217 119 117 120 - Income will be received
- Lainnya 14 1 1 78 1 0 0 0 3 6 0 4 0 0 4 0 0 3 - Others
-
- Garansi (Kafalah) yang diberikan 151 223 390 838 968 879 926 909 937 945 987 984 993 997 1,004 995 988 1,045 - Guarantees issued
- Lainnya 2 2 3 - 2 1 1 0 0 0 4 4 0 0 0 0 0 0 - Others
-
- Aktiva produktif yang dihapusbuku 116 208 336 648 1,684 1,461 1,476 1,698 1,649 1,652 1,643 1,815 1,864 1,941 1,881 1,870 1,902 1,922 - Written off earning assets
- Penerusan dana mudharabah muqayyadah 194 316 362 429 349 351 357 362 365 369 380 387 445 356 352 345 342 338 - Channeling of mudharabh muqayaydah
(Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit)
Liabilities commitment
Claim comintment
2009
Claim Contingency
Liabilities Contingency
OthersLainnya
Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah
Miliar Rupiah (in Bill ion IDR)
2010
2005
Tagihan Komitmen
2008
Kewajiban Komitmen
Tagihan Komitmen
Kewajiban Komimen
2011
2006 2007
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
13
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
- Fasil itas pinjaman yang belum ditarik 512 4,789 1,945 29,607 14,419 7,372 25,827 23,953 26,471 24,271 24,350 23,953 22,584 21,853 57,096 16,328 28,596 24,753 - Not yet withdrawn financing facil ities
- Lainnya - 843 2,478 4 2 2 2 2 2 2 2 2 2 2 2 4 4 4 - Others
-
-Fasil itas pembiayaan kepada nasabah yang belum
ditarik 6,246 4,395 6,420 5,770 6,617 7,277 7,298 7,644 7,569 6,439 6,458 7,038 6,957 6,514 6,789 6,512 6,811 8,362 -
Financing facil i l ies that are not yet
withdrawn
-Fasilitas pembiayaan kepada bank syariah lain
yang belum ditarik - - - - - - - - 390 - 294 17,551 17,644 11,474 350 29,826 26,958 20,009 - Other bank financing facil ities
Lainnya 202 9 - 22 44 44 9 9,368 9 9 - 9 9 128 9 9 9 - - Others
-
- Garansi (Kafalah) yang diterima - - - - - - - - - - - - - - - - - 3 - Kafalah guarantees received
- Pendapatan yang akan diterima 4,784 43,072 9,140 12,151 17,467 17,452 17,747 18,003 18,701 17,606 18,350 21,126 17,942 18,618 18,401 20,473 20,034 22,654 - Income will be received
Lainnya 2,550 1,450 1,136 1,165 5,517 685 1,551 2,319 2,444 2,438 2,106 2,452 4,205 3,741 3,795 4,889 4,811 3,852 - Others
7,489 12,231 12,773 19,126 31,847 32,270 32,669 32,957 32,288 33,742 34,484 34,492 41,188 40,746 41,285 42,952 43,847 42,672
16,883 36,471 33,336 52,640 66,947 60,179 59,038 62,596 66,112 61,383 68,827 78,432 88,873 96,701 100,544 102,236 98,169 96,422
Claim Contingency
Written off earning assets
Channeling of mudharabah muqayadah
(Off Balance Sheet Account - Islamic Rural Bank)
Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah
Juta Rupiah (in Mill ion IDR)
Claim comintment
Liabilities commitment
2010
2005
Penerusan dana mudharabah muqayyadah
Tagihan Komitmen
Tagihan Komitmen
Kewajiban Komitmen
2011
Aktiva produktif yang dihapusbuku
2006 2007 2008 2009
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
14
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 2,048 3,416 3,750 4,238 6,202 6,054 10,038 10,338 7,291 7,407 7,116 8,224 9,056 9,242 8,015 9,147 8,255 8,565 1
2 4,367 6,430 9,454 12,471 16,475 17,428 18,351 18,449 18,521 19,461 20,137 20,812 22,908 22,381 22,574 23,068 23,488 24,445 2
a Akad Wadiah 183 332 645 958 1,538 2,322 2,547 2,418 2,504 2,658 2,878 3,001 3,338 3,171 3,381 3,293 3,264 3,588 a Wadia
b Akad Mudharabah 4,184 6,098 8,809 11,513 14,937 15,106 15,804 16,031 16,018 16,803 17,259 17,811 19,570 19,210 19,193 19,776 20,224 20,857 b Mudharaba
3 9,169 10,826 14,807 20,143 29,595 31,584 29,689 31,675 35,159 37,044 39,225 40,051 44,072 44,191 44,496 47,435 47,824 49,851 3
a 1 Bulan 3,835 5,234 9,309 14,325 19,794 21,546 19,597 21,365 24,478 26,171 27,765 27,750 31,873 32,013 33,128 33,834 33,587 35,958 a 1 month
b 3 Bulan 2,228 1,973 1,406 1,919 4,544 5,081 4,832 5,140 5,153 5,473 5,409 6,472 6,165 5,927 5,695 7,014 7,564 7,071 b 3 months
c 6 Bulan 1,480 1,231 1,296 1,827 1,758 1,963 2,101 2,118 2,262 2,160 2,281 2,086 2,294 2,340 2,157 2,966 3,078 3,304 c 6 months
d 12 Bulan 1,625 2,143 2,787 2,066 3,497 2,987 3,154 3,052 3,265 3,240 3,766 3,743 3,738 3,883 3,514 3,585 3,562 3,515 d 12 months
e > 12 Bulan 1 245 9 6 1 6 6 1 1 1 4 1 3 28 2 36 33 3 e > 12 months
15,584 20,672 28,012 36,852 52,271 55,067 58,079 60,462 60,972 63,912 66,478 69,086 76,036 75,814 75,085 79,651 79,567 82,861
Giro iB - Akad Wadiah
Tabungan iB
Total
20072005 2008
(Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)
Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah
iB Demand Deposits - Wadia
iB Saving Deposits
iB Time Deposits - MudharabaDeposito iB - Akad Mudharabah
2011
Miliar Rupiah (in Bill ion IDR)
Total
2010
2006 2009
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
15
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 - - - - - - - - - - - - - - - - - - 1
2 160,906 231,440 296,890 441,291 492,682 586,408 572,926 590,065 556,908 596,875 631,459 620,870 658,759 678,982 689,280 691,162 699,932 735,575 2
a Akad Wadiah 48,600 73,634 86,708 161,450 209,991 248,243 249,227 259,715 249,721 261,362 272,333 263,339 285,066 291,820 298,245 297,371 298,354 322,379 a Wadia
b Akad Mudharabah 112,306 157,806 210,182 279,841 282,691 338,165 323,699 330,350 307,187 335,513 359,126 357,531 373,693 387,162 391,035 393,791 401,578 413,196 b Mudharaba
3 173,325 289,712 420,968 534,524 665,352 799,133 812,808 828,662 839,127 860,893 899,783 896,845 945,020 961,669 979,050 981,141 1,000,203 1,030,010 3
a 1 Bulan 25,327 58,518 63,504 68,141 138,184 120,250 125,368 126,334 126,513 129,143 136,331 129,968 155,669 147,637 148,018 152,010 152,438 157,712 a 1 month
b 3 Bulan 31,371 45,288 49,724 55,818 76,815 121,159 121,954 125,424 129,604 133,287 146,244 138,010 141,721 146,790 145,514 148,197 145,389 149,482 b 3 months
c 6 Bulan 35,403 60,348 45,915 68,875 157,831 147,218 146,207 142,351 144,609 149,487 153,770 157,618 166,845 172,023 179,571 187,011 187,319 195,816 c 6 months
d 12 Bulan 78,877 122,300 205,596 270,133 275,875 389,197 397,538 410,150 414,415 422,346 438,601 445,772 456,288 471,699 482,306 481,657 502,987 507,548 d 12 months
e > 12 Bulan 2,347 3,258 56,229 71,557 16,646 21,308 21,740 24,403 23,985 26,630 24,838 25,476 24,496 23,520 23,640 12,266 12,071 19,453 e > 12 months
334,231 521,152 717,858 975,815 1,158,034 1,385,541 1,385,733 1,418,726 1,396,035 1,457,768 1,531,242 1,517,715 1,603,778 1,640,651 1,668,330 1,672,303 1,700,135 1,765,586 Total
Giro iB - Akad Wadiah
Tabungan iB
Deposito iB - Akad Mudharabah
2005 2006
iB Demand Deposits - Wadia
iB Saving Deposits
iB Time Deposits - Mudharaba
2007 2008 2009
2011
Total
2010
(Depositor Funds Composition of Islamic Rural Bank)
Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah
Juta Rupiah ( in Mill ion IDR )
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
16
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
464 1,282 1,840 2,363 2,694 3,003 3,088 3,294 3,330 3,392 3,461 3,552 4,176 4,189 4,270 4,131 4,387 4,546 Wadiah Demand Deposits
2,395 2,357 2,599 2,545 3,076 1,656 2,734 2,576 1,882 2,310 2,783 3,287 5,408 3,968 3,659 5,870 4,150 3,879 Bank Indonesia Wadiah Certificate/Bank
Indonesia Islamic Certificate
321 2 101 280 4,623 3,164 2,521 3,144 2,295 4,150 4,948 5,325 6,809 5,274 3,466 3,689 3,797 4,505 Others
3,180 3,641 4,540 5,189 10,393 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 13,430 11,396 13,689 12,334 12,930 TotalTotal
SWBI/SBI Syariah
Lainnya
Giro Wadiah
2011
Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)
Miliar Rupiah (in Bill ion IDR)
200920062005
2010
20082007
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
17
Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
1 - - 4 279 1,103 1,104 1,104 1,104 1,106 1,105 1,105 1,105 1,106 1,106 1,106 1,106 1,107 1,106 Islamic Financial Market Securities
2 704 828 1,384 2,400 2,641 3,644 3,868 4,200 4,593 4,742 4,827 4,465 4,358 4,532 4,600 5,163 5,022 4,920 Islamic Capital Market Securities
3 26 1 - 4 42 42 42 42 42 42 42 95 95 95 95 95 95 95 Others
730 829 1,388 2,683 3,786 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 5,801 6,364 6,224 6,122 Total
2011
Miliar Rupiah (in Bill ion IDR)
2008 2009
2010
Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)
2006 2007
Lainnya
Total
Surat Berharga Pasar Keuangan Syariah
Surat Berharga Pasar Modal Syariah
2005
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
18
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Akad Mudharabah 3,124 4,062 5,578 6,205 6,597 7,231 7,593 7,856 8,207 8,292 8,411 8,895 8,631 8,560 8,606 8,767 8,843 9,077 Mudharaba
Akad Musyarakah 1,898 2,335 4,406 7,411 10,412 11,950 12,420 12,645 13,323 13,305 13,943 14,353 14,624 14,600 14,677 14,988 15,057 15,396 Musharaka
Akad Murabahah 9,487 12,624 16,553 22,486 26,321 29,744 31,108 32,027 33,310 33,967 34,831 36,214 37,508 37,855 38,983 40,877 42,453 44,118 Murabaha
Akad Salam 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Salam
Akad Istishna 282 337 351 369 423 410 392 383 389 380 391 395 347 351 360 328 315 317 Istishna
Akad Ijarah 316 836 516 765 1,305 1,569 1,839 2,047 2,134 2,123 2,124 2,149 2,341 2,436 2,417 2,572 2,630 2,730 ijara
Akad Qardh 125 250 540 959 1,829 2,319 2,449 2,675 2,912 2,902 3,295 3,935 4,731 5,922 6,407 6,721 6,427 6,980 Qardh
Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Others
Total 15,232 20,445 27,944 38,195 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Total
2007 2008
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)
Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
2010
20092005
2011
Miliar Rupiah (in Bill ion IDR )
Akad 2006 Contract
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
19
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Akad Mudharabah 24,237 26,351 41,714 42,952 52,781 59,665 63,453 64,044 64,635 66,693 69,549 67,443 65,471 63,569 63,080 64,963 68,145 69,188 Mudharaba
Akad Musyarakah 40,065 65,342 90,483 113,379 144,969 171,155 178,137 189,606 195,530 211,680 223,120 225,719 217,954 215,144 221,510 224,816 225,507 232,499 Musharaka
Akad Murabahah 337,566 505,633 716,240 1,011,743 1,269,900 1,448,029 1,487,086 1,519,599 1,540,553 1,549,744 1,595,058 1,595,644 1,621,526 1,648,173 1,692,259 1,706,035 1,753,431 1,848,734 Murabaha
Akad Salam 90 30 0 38 105 167 160 117 0 0 0 0 45 45 165 165 216 201 Salam
Akad Istishna 1,844 1,361 13,467 24,683 32,766 33,593 33,376 33,596 33,404 32,113 30,689 29,354 27,598 26,569 25,955 26,253 25,714 25,427 Istishna
Akad Ijarah 6,816 6,783 3,661 5,518 7,803 9,935 9,725 11,715 13,282 13,395 13,600 13,510 13,499 13,367 13,821 14,338 11,913 14,314 Ijara
Akad Qardh 6,666 9,969 19,038 40,308 50,018 59,429 62,401 64,041 62,751 60,390 63,357 61,736 63,000 62,544 65,801 67,201 69,476 72,862 Qardh
Multijasa 0 0 6,106 17,988 28,578 35,389 39,232 43,024 44,024 45,897 46,668 47,960 51,344 54,810 57,400 60,207 62,170 65,588 Multi Purpose Financing
Total 417,282 615,469 890,709 1,256,610 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Total
2006 2009Akad 2005 20082007
2010 2011
(Financing Composition of Islamic Rural Bank)
Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah
Juta Rupiah ( in Mill ion IDR)
Contract
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
20
SEKTOR EKONOMI
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
687 701 837 1,177 1,331 1,661 1,678 1,671 1,675 1,671 1,707 1,992 1,762 1,959 1,946 1,981 1,986 2,005
395 375 511 965 1,047 1,081 1,098 1,073 1,090 1,096 1,051 1,057 1,120 955 968 1,015 1,026 1,063 Mining
933 940 1,371 1,340 1,579 2,072 2,107 2,172 2,168 2,126 2,158 2,282 2,337 2,336 2,633 2,549 2,472 2,596 Manufacturing
66 17 166 248 698 857 910 927 1,040 1,134 1,234 1,317 1,354 1,376 1,401 1,857 1,944 1,970 Water, gas and electrici ty
1,548 1,637 2,371 3,368 3,516 3,930 4,083 3,996 4,319 4,015 4,322 4,202 4,194 4,541 4,563 4,680 4,664 4,831 Construction
1,716 3,041 4,152 4,426 5,000 6,397 6,787 6,855 7,062 7,136 7,404 7,422 7,609 7,306 7,305 7,689 7,837 7,929
1,261 1,165 1,569 2,759 3,349 3,565 3,575 3,554 3,519 3,435 3,433 3,545 3,696 3,718 3,558 3,768 3,793 3,882
4,504 5,458 8,425 11,757 13,664 15,355 16,103 16,872 18,016 18,517 18,848 19,880 20,233 19,844 20,204 20,210 20,660 21,228 Bus iness Services
1,208 1,456 1,904 2,463 2,661 2,687 2,755 2,736 2,613 2,694 2,862 2,910 2,975 3,069 3,135 3,407 3,551 3,645 Socia l Services
2,913 5,655 6,639 9,693 14,042 15,618 16,705 17,776 18,771 19,146 19,975 21,335 22,902 24,620 25,737 27,098 27,792 29,470 Others
Total 15,232 20,445 27,944 38,195 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Total
Pertambangan
Jasa dunia usaha
Perdagangan, restoran dan
hotel
Perindustrian
2005
Pertanian, kehutanan dan
sarana pertanian
Transport, cargo s torage and
communication
Trade, restaurants and
hotels
Jasa sos ia l/masyarakat
La in-la in
Konstruks i
Lis trik, gas dan a i r
Miliar Rupiah (in Bill ion IDR )
Agriculture, forestry and
agricultura l faci l i ties
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)
2008 20092010
Tabel 20. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi
20112006 ECONOMIC SECTOR
Pengangkutan, pergudangan
dan komunikas i
2007
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
21
ECONOMIC SECTOR
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
11,874 17,720 24,436 41,613 54,486 71,842 73,597 108,627 113,075 101,229 104,265 104,578 107,129 121,963 130,387 134,028 137,703 193,969
138 485 944 1,287 998 773 796 1,036 759 802 795 789 905 855 892 876 1,545 1,012 Mining
9,207 12,465 12,447 15,885 20,420 24,254 23,464 25,758 24,505 24,332 23,251 23,696 24,635 25,637 25,783 25,605 25,447 25,929 Manufacturing
109 748 367 1,146 1,055 1,097 1,160 1,212 1,231 2,104 2,436 2,569 1,569 1,561 1,363 1,597 1,428 1,983 Water, gas and electrici ty
3,495 6,570 16,051 26,536 48,178 52,367 54,901 55,851 61,394 64,215 70,105 71,973 66,492 66,787 72,358 76,799 74,596 83,722 Construction
190,583 255,559 295,195 370,907 486,018 558,917 572,145 599,829 614,325 594,010 619,154 619,739 624,428 627,122 643,184 658,563 681,871 802,883
3,618 8,704 9,075 17,697 17,289 19,999 19,866 20,785 19,929 21,827 21,784 22,158 21,768 26,075 26,351 24,049 27,812 30,786
49,031 72,194 99,050 140,989 176,760 204,064 213,361 265,577 269,595 269,401 283,161 282,640 276,887 273,514 277,520 288,526 287,964 295,941 Bus iness Services
5,155 5,632 6,402 22,609 16,451 21,829 22,701 23,666 23,887 26,091 23,503 23,575 26,564 26,511 28,019 29,268 29,229 63,104 Socia l Services
144,072 235,392 422,148 617,942 765,264 862,217 891,578 823,401 825,481 875,899 893,587 889,649 910,060 914,194 934,137 924,666 948,977 829,484 Others
Total 417,282 615,469 886,117 1,256,610 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Total
La in-la in
Agriculture, forestry and
agricultura l faci l i ties
20102005 2006
Li s trik, gas dan a i r
Perindustrian
Konstruks i
Pertambangan
(Financing of Islamic Rural Bank based on Economic Sector)
2007
Jasa dunia usaha
Jasa sos ia l/masyarakat
2008 2009
Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
Perdagangan, restoran dan
hotel
SEKTOR EKONOMI
Trade, restaurants and
hotels
2011
Transport, cargo s torage and
communication
Pertanian, kehutanan dan
sarana pertanian
Pengangkutan, pergudangan
dan komunikas i
Juta Rupiah (in Mill ion IDR )
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
22
JENIS PENGGUNAAN
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Modal Kerja 7,988 10,405 15,656 20,554 22,873 26,453 27,848 28,315 29,445 29,688 30,439 31,650 31,855 31,484 31,891 32,771 33,363 34,515 Working Capital
Investasi 4,288 4,374 5,637 7,907 9,955 11,136 11,233 11,526 12,043 12,120 12,571 12,948 13,416 13,601 13,813 14,370 14,556 14,620 Investment
Konsumsi 2,956 5,666 6,652 9,734 14,058 15,634 16,721 17,792 18,787 19,162 19,984 21,344 22,910 24,639 25,745 27,112 27,806 29,484 Consumption
Total 15,232 20,445 27,944 38,195 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Total
Miliar Rupiah (in Bill ion IDR)
TYPE OF USAGE
Tabel 22 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan
2007 20092005
(Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage)
2010 2011
20082006
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
23
JENIS PENGGUNAAN
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Modal Kerja 236,794 357,743 497,472 664,644 767,538 881,584 907,707 1,016,629 1,032,901 1,068,388 1,066,454 1,102,195 1,106,035 1,114,689 1,150,101 1,179,843 1,191,089 1,254,601 Working Capital
Investasi 48,023 78,597 125,320 132,729 186,482 195,283 197,598 187,827 194,087 202,614 208,574 205,259 213,584 218,405 221,388 228,336 233,068 244,729 Investment
Konsumsi 132,466 179,129 267,278 459,237 632,899 740,494 768,266 721,287 727,192 708,909 767,013 733,913 740,818 751,127 768,503 755,798 792,416 829,484 Consumption
Total 417,282 615,469 890,070 1,256,610 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Total
2011
2005
2010
2006 2008 20092007
Juta Rupiah (in Mill ion IDR)
TYPE OF USAGE
(Financing of Islamic Rural Bank based on Type of Usage)
Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
24
GOLONGAN PEMBIAYAAN TYPE OF FINANCING
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 41,697 43,989 45,479 45,227 45,902 49,589 52,002 52,570 54,212 53,980 56,324 57,783 59,639 Small and Medium Enterprises
Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,526 11,812 12,154 15,048 15,068 13,406 13,940 15,611 15,512 17,470 17,928 17,943 18,980 Non Small and Medium Enterprises
Total 15,232 20,445 27,944 38,195 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Total
Miliar Rupiah (in Bill ion IDR)
2010
2007 2009
Tabel 24. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan
2006
2011
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)
20082005
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
25
GOLONGAN PEMBIAYAAN TYPE OF FINANCING
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Usaha Kecil dan Menengah 273,212 380,079 575,028 657,359 833,076 949,740 969,593 993,723 1,013,746 1,109,465 1,141,531 1,128,023 1,115,962 1,148,353 1,194,239 1,246,116 1,251,245 1,322,492 Small and Medium Enterprises
Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 599,291 753,843 867,621 903,977 932,020 940,433 870,447 900,511 913,344 944,475 935,867 945,754 917,861 965,327 1,006,321
Total 417,284 615,471 890,072 1,256,650 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Total
20092007
2011
Juta Rupiah (in Mill ion IDR)
Non Small and Medium Enterprises*)
(Financing of Islamic Rural Bank based on Type of Financing)
Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
2005 2006 2008
2010
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
26
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Lancar 14,803 19,474 26,813 36,686 45,004 50,683 53,631 55,244 57,805 58,563 60,509 63,314 66,120 67,436 68,835 71,577 72,857 75,664 Performing Financing
- Lancar 14,027 18,583 25,494 35,076 41,931 46,725 49,310 50,812 52,845 54,240 56,237 59,092 63,006 63,600 64,694 68,148 69,251 71,928 Current
- Dalam Perhatian Khusus 776 891 1,319 1,610 3,074 3,958 4,321 4,433 4,960 4,324 4,271 4,222 3,114 3,835 4,141 3,429 3,606 3,737 Specia l Mention
Non Lancar 429 971 1,131 1,509 1,882 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 2,615 2,675 2,869 2,955 Non Performin Financing
- Kurang Lancar 201 353 321 525 435 1,007 769 947 865 833 1,098 1,230 677 797 1,020 1,064 1,072 1,051 Sub-Standard
- Diragukan 73 236 267 224 582 312 305 244 380 352 328 330 332 361 382 359 419 424 Doubtful
- Macet 155 383 543 759 865 1,221 1,097 1,197 1,226 1,221 1,060 1,068 1,052 1,130 1,213 1,252 1,377 1,480 Lost
Total Pembiayaan 15,232 20,445 27,944 38,195 46,886 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 69,724 71,449 74,253 75,726 78,619 Total Financing
Persentase NPF 2.82% 4.75% 4.05% 3.95% 4.01% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 3.28% 3.66% 3.60% 3.79% 3.76% Percentage of NPFs
20102005 20092006 2007
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)
Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan
Miliar Rupiah (in Bill ion IDR)
2008COLLECTIBILITY OF
FINANCING
2011KOLEKTIBILITAS
PEMBIAYAAN
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
27
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Lancar 371,781 564,373 820,058 1,151,287 1,475,306 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770 1,889,321 1,887,714 1,926,565 1,942,790 1,989,280 2,009,295 2,060,956 2,166,711 Performing Financing
Non Lancar 45,501 51,096 72,349 105,322 111,612 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 150,712 154,681 155,616 162,102 Non Performin Financing
- Kurang Lancar 12,290 16,267 22,674 35,322 31,049 39,827 39,847 44,814 42,699 43,875 46,524 45,589 39,185 41,651 47,803 51,214 56,197 56,041 Sub-Standard
- Diragukan 23,338 19,760 17,090 21,307 30,687 32,815 29,687 31,905 33,392 34,142 33,630 33,485 29,919 34,604 33,322 34,080 32,805 34,271 Doubtful
- Macet 9,873 15,069 32,586 48,693 49,877 56,915 60,164 61,182 64,227 69,125 72,567 74,579 64,767 65,175 69,587 69,387 66,613 71,790 Lost
Total Pembiayaan 417,282 615,469 892,407 1,256,610 1,586,919 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 2,084,220 2,139,992 2,163,977 2,216,572 2,328,813 Total Financing
Persentase NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 6.79% 7.04% 7.15% 7.02% 6.96% Percentage of NPFs
COLLECTIBILITY OF
FINANCING
2010
(Financing of Islamic Rural Bank based on Collectibility)
KOLEKTIBILITAS
PEMBIAYAAN
Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
Juta Rupiah (in Mill ion IDR)
20082005 2006 2007 20092011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
28
SEKTOR EKONOMI
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
34 40 21 10 64 57 61 63 70 70 78 91 61 63 66 62 70 75
Pertambangan 14 25 80 213 20 36 36 60 24 23 30 28 27 28 56 89 93 92 Mining
Perindustrian 82 219 229 289 184 186 185 187 188 190 181 183 98 102 109 103 137 140 Manufacturing
Lis trik, gas dan a i r 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 3 3 Water, gas and electrici ty
Konstruks i 23 57 89 140 180 307 257 334 336 259 272 283 185 277 277 279 276 295 Construction
Perdagangan, restoran dan hotel 78 205 254 278 436 516 317 372 358 360 406 425 338 400 496 613 645 621
42 88 119 91 177 254 182 176 224 385 348 402 263 275 431 340 346 345
Jasa dunia usaha 68 187 141 297 311 662 649 616 656 586 622 630 551 558 559 538 589 628 Bus iness Services
Jasa sos ia l/masyarakat 22 40 41 44 59 82 73 153 165 83 77 73 55 51 66 90 103 102 Socia l Services
La in-la in 65 110 157 148 450 439 409 425 447 449 471 499 470 520 540 546 581 627 Others
Total 429 971 1,131 1,509 1,882 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 2,615 2,675 2,869 2,955 Total
Agriculture, forestry and agricultura l
faci l i ties
Pengangkutan, pergudangan dan
komunikas i
Pertanian, kehutanan dan sarana pertanian
Trade, restaurants and hotels
Transport, cargo s torage and
communication
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)
20102008
2011
Tabel 28. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi
Miliar Rupiah (in Bill ion IDR)
ECONOMIC SECTOR 2005 2007 20092006
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
29
SEKTOR EKONOMI
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1,259 1,472 1,783 3,839 3,741 5,433 5,586 6,492 5,880 5,994 6,116 6,131 5,058 5,720 6,749 6,035 5,974 13,723
Pertambangan - 10 270 1 309 177 161 161 151 152 151 151 157 154 327 355 355 196 Mining
Perindustrian 1,913 1,377 1,652 2,317 3,090 3,623 3,722 3,577 3,425 3,796 3,719 3,988 3,036 3,364 3,421 3,241 3,250 3,790 Manufacturing
- 43 1 214 75 40 40 44 47 66 273 187 22 24 3 32 48 5
55 158 908 4,526 4,484 6,261 6,163 6,785 7,024 7,040 7,036 7,907 5,245 6,354 6,441 7,486 6,241 6,084
26,405 30,305 38,045 39,224 45,737 50,238 50,837 55,811 57,436 58,757 62,009 60,299 57,125 57,435 60,050 62,473 61,289 67,374
198 491 705 1,538 1,705 1,714 1,600 1,738 1,740 2,172 2,540 2,852 2,236 2,386 1,995 1,934 2,170 1,796
Jasa dunia usaha 6,269 6,802 8,593 16,421 10,416 14,506 15,255 14,243 15,251 17,658 17,456 16,925 15,418 17,115 18,927 18,790 19,098 16,591 Bus iness Services
Jasa sos ia l/masyarakat 551 449 254 676 516 1,694 1,486 2,102 1,488 2,460 2,371 2,333 799 744 1,608 1,009 1,633 4,047 Socia l Services
La in-la in 8,850 9,988 20,139 36,568 41,539 45,873 44,848 46,948 47,876 49,049 51,049 52,880 44,776 48,134 51,192 53,326 55,559 45,891 Others
Total 45,501 51,096 72,349 105,322 111,612 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 150,712 154,681 155,616 159,498 Total
Transport, cargo s torage and
communication
Perdagangan, restoran dan hotel
Konstruks i
Lis trik, gas dan a i r
Trade, restaurants and hotels
Construction
Water, gas and electrici ty
2005
Pengangkutan, pergudangan dan
komunikas i
Agriculture, forestry and agricultura l
faci l i ties
2006 2007 2009
Pertanian, kehutanan dan sarana pertanian
20102008 ECONOMIC SECTOR
(Non performing Financing of Islamic Rural Bank based on Economic Sector)
Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
Juta Rupiah (in Mill ion IDR)
2011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
30
JENIS PENGGUNAAN TYPE OF USAGE
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Modal Kerja 216 604 647 871 899 1,392 1,149 1,262 1,256 1,175 1,244 1,264 1,070 1,219 1,315 1,525 1,636 1,661 Working Capital
Investasi 148 258 326 489 534 709 612 701 767 783 772 865 521 549 760 604 650 666 Investment
Konsumsi 65 110 158 148 450 439 410 425 447 449 471 499 470 520 540 546 582 628 Consumption
Total 429 971 1,131 1,509 1,882 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 2,615 2,675 2,869 2,955 Total
Miliar Rupiah (in Bill ion IDR)
2008
Tabel 30. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan
2005 2007
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage)
2010
2006 2009
2011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
31
JENIS PENGGUNAAN
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Modal Kerja 34,239 38,716 53,267 75,154 68,821 79,513 80,041 85,596 85,538 92,904 95,608 97,139 85,730 89,417 95,546 97,789 98,352 102,475 Working Capital
Investasi 4,454 5,445 6,114 8,890 10,723 11,676 12,174 12,360 12,525 13,481 13,879 13,970 11,195 12,695 13,966 13,506 12,921 13,259 Investment
Konsumsi 6,808 6,936 12,968 21,278 32,068 38,368 37,483 39,945 42,256 40,756 43,234 42,544 36,947 39,318 41,200 43,387 44,343 46,355 Consumption
Total 45,501 51,096 72,349 105,322 111,612 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 150,712 154,681 155,616 162,089 Total
2005 2007
(Non Performing Financing of Islamic Rural Bank based on Type of Usage)
Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
Juta Rupiah (in Mill ion IDR)
TYPE OF USAGE 2006 2008 2009
2010 2011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
32
GOLONGAN PEMBIAYAAN TYPE OF FINANCING
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Usaha Kecil dan Menengah 330 725 798 985 1,611 2,061 1,720 1,991 2,096 2,040 2,098 2,281 1,824 2,059 2,298 2,389 2,536 2,610 Small and Medium Enterprises
Selain Usaha Kecil dan Menengah 99 246 333 524 271 479 450 398 374 366 388 347 237 229 317 286 333 344 Non Small and Medium
Enterprises
Total 429 971 1,131 1,509 1,882 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 2,288 2,615 2,675 2,869 2,955 Total
20082005
Tabel 32. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan
(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)
2011
Miliar Rupiah (in Bill ion IDR)
2007 2009
2010
2006
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
33
GOLONGAN PEMBIAYAAN TYPE OF FINANCING
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Usaha Kecil dan Menengah 45,501 41,108 50,322 69,501 70,160 84,181 85,620 89,191 91,272 97,629 101,201 99,687 87,831 92,961 100,135 102,610 101,663 106,385 Small and Medium Enterprises
Selain Usaha Kecil dan Menengah - 9,988 22,028 35,821 41,453 45,376 44,078 48,710 49,046 49,513 51,521 53,966 46,040 48,469 50,577 52,071 53,952 55,705 Non Small and Medium
Enterprises
Total 45,501 51,096 72,349 105,322 111,612 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 141,430 150,712 154,681 155,616 162,089 Total
Juta Rupiah ( in Mill ion IDR)
2006 2008
Tabel 33. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
2010
20092007
2011
(Non Performing Financing of Islamic Rural Bank based on Type of Financing)
2005
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
34
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Dana Pihak Ketiga 1,255,889 1,992,452 2,845,829 3,766,067 4,537,565 4,892,028 5,064,242 5,070,648 5,264,503 5,762,528 5,605,872 5,705,161 6,053,658 6,161,838 6,284,584 6,470,580 6,760,302 6,946,433 Depositor Funds
Giro iB 26,100 34,499 42,741 51,123 71,635 68,179 108,398 69,407 71,674 71,547 72,471 73,373 77,200 78,239 78,433 80,415 140,707 102,181 Demand Deposits
Tabungan iB 1,168,786 1,883,875 2,711,374 3,600,205 4,315,582 4,663,639 4,791,828 4,838,047 5,022,684 5,494,294 5,344,543 5,447,304 5,790,058 5,901,484 6,026,456 6,208,977 6,437,702 6,661,203 Saving Deposits
Deposito iB 61,003 74,078 91,714 114,739 150,348 160,210 164,016 163,194 170,145 196,687 188,858 184,484 186,400 182,115 179,695 181,188 181,893 183,049 Time Deposits
Pembiayaan 144,699 372,109 512,230 597,208 686,535 749,059 756,688 771,882 781,859 787,507 798,417 833,791 865,920 710,366 955,221 1,015,274 1,038,620 1,069,428 Financing
Akad Mudharabah 15,857 14,967 23,411 30,071 32,609 34,706 34,968 35,385 36,404 38,124 38,921 40,908 39,844 33,525 40,614 40,976 41,561 42,366 Mudharaba
Akad Musyarakah 2,396 3,026 6,013 10,949 16,066 19,055 19,839 20,425 21,205 21,551 22,129 23,071 22,799 20,838 23,224 23,955 24,366 25,009 Musharaka
Akad Murabahah 119,832 340,824 454,952 498,469 531,952 555,375 559,204 560,914 563,357 564,627 570,338 585,336 586,706 406,164 599,146 613,677 624,874 642,181 Murabaha
Akad Salam - - - - - - - - - - - - - - - - - - Salam
Akad Istishna 408 387 392 695 1,346 1,370 1,335 1,278 1,287 1,292 1,306 1,316 1,335 1,337 1,345 1,363 1,373 1,391 Istishna
Akad Ijarah 129 443 1,007 1,912 4,192 5,925 6,303 6,411 6,713 6,475 6,848 7,177 7,682 5,987 38,816 37,503 36,498 35,292 Ijara
Akad Qardh 6,077 12,462 26,455 55,112 100,370 132,628 135,039 147,469 152,893 155,438 158,875 175,983 207,554 242,515 252,076 297,800 309,948 323,189 Qardh
1,400,588 2,364,561 3,358,059 4,363,275 5,224,100 5,641,087 5,820,930 5,842,530 6,046,362 6,550,035 6,404,289 6,538,952 6,919,578 6,872,204 7,239,805 7,485,854 7,798,922 8,015,861
2011
Total
2005 2006Jenis Type
Total
2008 20092010
satuan (in unit)
Tabel 34 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah
2007
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
35
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Dana Pihak Ketiga 221,070 287,203 339,914 437,464 517,944 523,479 516,919 519,898 516,855 534,996 552,415 553,204 558,927 562,209 592,587 587,653 565,107 596,719 Depositor Funds
Giro iB - - - - - - - - - - - - - - - - - - Demand Deposits
Tabungan iB 214,866 279,046 329,272 423,550 500,414 504,600 498,325 501,049 498,294 515,702 532,674 533,401 538,552 541,232 571,176 566,151 543,529 574,845 Saving Deposits
Deposito iB 6,204 8,157 10,642 13,914 17,530 18,879 18,594 18,849 18,561 19,294 19,741 19,803 20,375 20,977 21,411 21,502 21,578 21,874 Time Deposits
Pembiayaan 47,627 70,415 110,415 115,050 131,258 140,387 142,827 144,957 144,946 145,190 147,897 147,872 148,997 150,580 152,986 153,529 153,608 158,371 Financing
Akad Mudharabah 2,079 2,312 2,777 2,446 2,595 1,933 1,890 1,895 1,865 1,872 1,903 1,864 1,816 1,782 1,795 1,779 1,802 1,838 Mudharaba
Akad Musyarakah 2,959 3,915 4,633 4,442 4,990 6,047 6,194 6,305 6,372 6,370 6,156 5,941 5,641 5,455 5,438 5,490 5,527 5,616 Musharaka
Akad Murabahah 38,928 58,895 91,121 92,843 105,030 111,944 113,146 114,374 114,684 115,612 118,154 118,314 119,084 120,392 122,003 122,202 121,978 125,834 Murabaha
Akad Salam 10 1 5 5 1 3 3 3 - - - - 1 1 2 2 3 3 Salam
Akad Istishna 314 310 403 438 768 809 816 820 821 818 809 783 775 753 718 720 696 691 Istishna
Akad Qardh 2,547 3,991 8,816 11,795 13,712 14,625 15,461 15,845 15,327 14,426 14,573 14,479 15,061 15,280 15,932 16,094 16,470 1,009 Qardh
Akad Ijarah 790 991 727 577 903 1,023 1,019 1,047 1,078 1,060 1,088 1,096 1,080 1,068 1,065 1,048 867 6,494 Ijara
Multijasa - - 1,933 2,504 3,259 4,003 4,298 4,668 4,799 5,032 5,214 5,395 5,539 5,849 6,033 6,194 6,265 16,886 Multi Purpose Financing
268,697 357,618 450,329 552,514 649,202 663,866 659,746 664,855 661,801 680,186 700,312 701,076 707,924 712,789 745,573 741,182 718,715 755,090
2011
Total
2006Jenis 2005 Type2007 2009
Total
(Number of Account of Islamic Rural Bank)
Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah
satuan (in unit)
20102008
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
36
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Dana Pihak Ketiga Depositor Funds
1 1.16% 1.27% 1.07% 1.18% 0.96% 0.99% 1.20% 0.97% 0.94% 0.96% 1.37% 1.13% 1.20% 1.15% 1.10% 1.11% 1.19% 1.28% 1
2 3.96% 3.72% 3.32% 3.61% 2.76% 2.68% 2.64% 2.65% 2.51% 2.94% 3.01% 3.29% 3.06% 2.83% 2.87% 2.87% 2.87% 3.03% 2
3 3
a 1 Bulan 7.86% 8.96% 7.63% 8.22% 6.92% 6.37% 6.63% 6.91% 6.69% 6.59% 6.66% 6.51% 6.90% 6.33% 5.51% 6.50% 6.58% 6.57% a 1 month
b 3 Bulan 8.03% 9.81% 7.93% 9.10% 7.25% 6.81% 6.67% 6.85% 7.03% 6.86% 7.14% 6.28% 6.68% 6.42% 6.01% 6.60% 6.67% 6.61% b 3 months
c 6 Bulan 8.82% 9.57% 8.25% 8.67% 8.44% 6.76% 7.31% 7.04% 7.31% 6.96% 7.13% 6.67% 7.15% 6.73% 6.61% 6.69% 6.73% 6.42% c 6 months
d 12 Bulan 9.35% 9.99% 8.34% 8.34% 9.06% 7.49% 6.89% 7.00% 8.39% 7.26% 6.71% 7.31% 7.32% 6.98% 6.67% 6.84% 6.97% 7.16% d 12 months
e > 12 Bulan 7.83% 10.04% 7.17% 8.63% 8.63% 8.10% 9.65% 6.03% 6.15% 6.58% 15.92% 5.95% 9.65% 5.00% 5.69% 6.41% 4.20% 12.63% e > 12 months
Pembiayaan Financing
1 12.75% 13.73% 16.93% 19.38% 19.11% 17.53% 17.60% 17.59% 17.27% 17.03% 17.31% 17.25% 17.39% 17.19% 17.14% 16.93% 16.99% 16.75% 1
2 8.46% 10.25% 11.23% 11.37% 11.72% 11.30% 11.39% 11.04% 10.92% 10.95% 11.52% 11.67% 14.52% 13.96% 14.01% 14.43% 14.15% 14.33% 2
3 13.05% 12.09% 14.66% 14.92% 16.07% 80.69% 73.30% 15.77% 15.51% 15.49% 15.61% 15.53% 15.30% 15.40% 15.32% 15.23% 11.55% 11.55% 3
4 - - - - - - - - - - - - - - - - - - 4
5 13.80% 13.46% 14.30% 14.99% 13.89% 13.18% 13.08% 13.90% 14.00% 13.86% 14.16% 14.18% 13.37% 14.36% 14.32% 14.39% 14.69% 14.66% 5
6 0.59% 0.66% 0.16% 0.88% 0.76% 0.64% 121.08% 0.50% 0.48% 0.48% 0.48% 0.48% 0.46% 0.45% 0.46% 0.45% 0.44% 0.42% 6
7 5.25% 5.33% 2.89% 3.42% 4.34% 4.15% 4.11% 3.98% 3.84% 3.98% 4.04% 4.10% 3.89% 4.23% 4.22% 4.22% 4.06% 4.27% 7
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit)
Qardh
Mudharaba
Musharaka
Murabaha
Salam
Tabel 36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah
2007
Akad Mudharabah
Giro iB Demand Deposits
Saving Deposits
Time Deposits
Istishna
ijara
2010
Akad Musyarakah
2005 2008 20092006
Akad iIstishna
Akad Ijarah
Akad Salam
2011
Akad Qardh
Tabungan iB
Akad Murabahah
Deposito iB
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
37
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
Dana Pihak Ketiga Depositor Funds
1 - - - - - - - - - - - - - - - - - - 1
2 5.69% 10.62% 5.50% 6.62% 6.19% 5.97% 6.04% 6.01% 5.80% 5.49% 5.77% 4.33% 4.40% 4.12% 4.06% 4.21% 3.83% 4.78% 2
3 3
a 1 Bulan 8.79% 12.73% 10.64% 10.47% 12.03% 11.53% 11.30% 11.30% 11.64% 11.46% 11.49% 11.43% 13.57% 13.84% 13.49% 13.33% 13.17% 12.07% a 1 month
b 3 Bulan 10.60% 12.44% 11.65% 13.16% 12.43% 11.47% 11.48% 11.23% 11.17% 11.08% 11.24% 11.31% 11.78% 11.08% 10.82% 10.95% 10.95% 10.62% b 3 months
c 6 Bulan 12.98% 13.68% 12.14% 13.74% 13.38% 13.07% 13.43% 12.89% 13.27% 12.90% 13.20% 13.35% 13.39% 12.69% 12.44% 12.76% 12.74% 11.72% c 6 months
d 12 Bulan 9.27% 12.58% 12.31% 13.09% 12.30% 12.00% 12.07% 11.92% 11.91% 11.74% 11.99% 11.57% 11.61% 11.10% 11.20% 11.92% 12.18% 11.24% d 12 months
e > 12 Bulan 13.54% 14.48% 11.52% 13.03% 12.26% 12.00% 11.92% 12.02% 12.12% 12.12% 13.14% 13.06% 12.82% 12.88% 12.90% 11.14% 11.19% 10.35% e > 12 months
Pembiayaan Financing
1 21.28% 18.16% 21.28% 18.49% 18.59% 17.42% 17.59% 18.23% 17.98% 18.86% 20.02% 18.81% 19.70% 19.23% 20.37% 19.94% 20.16% 20.33% 1
2 20.96% 23.15% 20.77% 23.28% 15.97% 14.96% 14.97% 16.01% 15.84% 16.23% 16.39% 15.16% 20.78% 20.35% 20.23% 20.22% 20.38% 20.39% 2
3 17.88% 18.72% 20.30% 19.56% 19.22% 19.57% 19.60% 19.49% 19.62% 19.71% 19.69% 20.15% 20.07% 19.51% 19.72% 19.55% 19.21% 19.16% 3
4 - - - - - - - - - - - - - - - - - - 4
5 18.45% 20.01% 7.43% 7.39% 7.35% 7.17% 7.27% 7.53% 7.71% 7.93% 8.20% 7.75% 8.49% 8.55% 8.34% 8.30% 7.95% 7.92% 5
6 0.84% 0.54% 0.21% 0.11% 0.10% 0.08% 0.09% 0.07% 0.07% 0.06% 0.06% 0.10% 0.07% 0.08% 0.06% 0.06% 0.07% 0.06% 6
7 - - - - - - - - - - - - - - - - - - 7
8 - - - - - - - - - - - - - - - - - - 8 Multi Purpose Financing
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )
Tabel 37 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah
Demand Deposits
Saving Deposits
Salam
Istishna
ijara
Qardh
Time Deposits
Mudharaba
Musharaka
Murabaha
Tabungan iB
Deposito iB
200720062005
Giro iB
Akad Musyarakah
Akad Mudharabah
Multijasa
Akad Qardh
Akad I'stishna
Akad Murabahah
Akad Salam
Akad Ijarah
2010 201120092008
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
38
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 CAR 1) 12.41% 13.73% 10.67% 12.81% 10.77% 12.31% 12.89% 14.66% 14.23% 14.58% 15.74% 15.40% 16.25% 20.23% 15.17% 16.57% 19.86% 19.58% CAR 1)
2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.25% 1.66% 1.67% 1.63% 1.77% 1.79% 1.83% 1.67% 2.26% 1.81% 1.97% 1.90% 1.84% ROA
3 ROE 1) 27.58% 28.45% 40.38% 38.79% 26.09% 25.07% 21.41% 21.24% 20.13% 21.92% 24.30% 20.91% 17.58% 19.99% 15.49% 18.22% 17.60% 17.15% ROE 1)
4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 3.28% 3.66% 3.60% 3.79% 3.76% NPF
5 FDR 97.75% 98.90% 99.76% 103.65% 89.70% 96.65% 96.08% 95.32% 98.86% 95.40% 94.76% 95.45% 89.67% 91.97% 95.16% 93.22% 95.17% 94.88% FDR
6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 85.79% 79.99% 79.77% 80.36% 79.10% 78.94% 77.70% 80.54% 75.75% 79.56% 77.63% 78.78% 79.05% BOPO
1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only)
2009
Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah
2005 2006Rasio 2007 2008
2010 2011
Ratio
(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
39
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 CAR na na 34.72% 30.28% 29.98% 29.60% 29.64% 29.20% 27.17% 29.10% 26.25% 28.70% 27.46% 30.12% 29.75% 28.42% 27.71% 26.71% CAR
2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.97% 3.71% 3.68% 3.52% 3.47% 3.61% 3.59% 3.49% 2.83% 2.84% 2.71% 2.65% 2.73% ROA
3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 15.33% 14.07% 14.08% 13.14% 13.17% 14.50% 14.58% 14.29% 9.96% 10.38% 9.61% 9.37% 10.25% ROE
4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 6.79% 7.04% 7.15% 7.02% 6.90% NPF
5 FDR 122.41% 118.10% 124.08% 128.78% 126.89% 131.17% 135.20% 135.74% 139.96% 135.82% 133.36% 134.50% 128.47% 127.04% 128.27% 129.40% 130.38% 133.22% FDR
6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 75.34% 75.20% 75.61% 76.49% 76.93% 77.18% 76.24% 78.08% 76.29% 76.37% 77.27% 77.65% 77.00% BOPO
2009
2010
(Financial Ratios of Islamic Rural Bank)
Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah
2011
2007 2008Rasio 2005 2006 Ratio
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
40
Total Aset (Rp) Total Assets (in IDR)
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
< 1 Mi l iar 11 7 13 7 8 6 6 6 6 5 5 9 7 9 4 7 11 8 < 1 Bi l l ion
1 s .d. 5 Mi l iar 51 57 46 50 38 42 39 39 39 40 36 34 29 28 33 32 33 30 1 up to 5 Bi l l ion
> 5 s .d. 10 Mi l iar 17 22 24 34 40 35 40 38 38 36 37 34 43 37 37 37 32 36 >5 up to 10 Bi l l ion
> 10 Mi l iar 13 19 31 40 52 61 60 63 63 65 70 72 71 77 77 76 77 79 > 10 Bi l l ion
Total 92 105 114 131 138 144 145 146 146 146 148 149 150 151 151 152 153 153 Total
2009
(Number of Islamic Rural Bank based on Total Assets)
Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset
satuan (in unit)
2010
2005 2006 2007 2008
2011
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
41
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 hari na 276 542 2,259 700 487 491 107 350 2,226 4,775 1,156 526 10 - - - - Overnight
2-6 hari na 334 66 450 890 581 488 190 764 190 355 817 210 55 - - - - 2 up to 6 days
7 hari na 106 304 961 129 411 480 409 1,060 86 160 283 283 55 - - - - 7 days
8-26 hari na 74 193 148 682 570 460 600 720 767 400 810 500 105 - - - - 8 up to 26 days
27-30 hari na - 64 - 470 - 129 72 100 125 40 40 - - - - - - 27 up to 30 days
>30 hari na 5 - 10 18 - 5 20 - - 20 - 60 - - - - - > 30 days
1 hari 1) - - - - - - - - - - - - - - 383 403 384 323 Overnight 1)
2-4 hari 1) - - - - - - - - - - - - - - 62 62 240 142 2-4 days 1)
1 minggu 1) - - - - - - - - - - - - - - 150 180 245 607 1 week 1)
2 minggu 1) - - - - - - - - - - - - - - 230 230 - 10 2 weeks 1)
3 minggu 1) - - - - - - - - - - - - - - - - - - 3 weeks 1)
1 bulan 1) - - - - - - - - - - - - - - 120 120 75 30 1 month 1)
2 bulan 1) - - - - - - - - - - - - - - 30 30 - - 2 months1)
3 bulan 1) - - - - - - - - - - - - - - - - - - 3 months 1)
>3 bulan 1) - - - - - - - - - - - - - - - - - - >3 months 1)
2010
(Volume of Transaction of Interbank Islamic Money Market)
20072005 20092006
2011
Tabel 41. Volume Transaksi PUAS
Miliar Rupiah (in Bill ion IDR)
1) Periode jangka waktu mulai bulan Februari 2011 (Period start on February 2011)
2008
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market
Information Center)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
42
May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
1 hari na 5.92% 6.59% 9.54% 6.01% 6.00% 5.94% 6.17% 6.10% 5.67% 5.44% 5.66% 5.65% 6.52% - Overnight
2-6 hari na 7.80% 6.58% 9.97% 6.13% 6.09% 6.07% 6.21% 6.13% 6.11% 5.76% 5.65% 5.82% 5.92% - 2 up to 6 days
7 hari na 8.18% 6.66% 10.30% 6.33% 6.07% 6.16% 6.22% 6.29% 6.16% 6.03% 5.95% 6.00% 5.89% - 7 days
8-26 hari na 8.60% 6.48% 10.65% 6.55% 6.48% 6.44% 6.45% 6.38% 6.20% 6.26% 6.10% 5.96% 5.89% - 8 up to 26 days
27-30 hari na - 7.18% - 6.65% - 6.42% 6.36% 6.35% 6.35% 6.05% 6.35% - - - 27 up to 30 days
>30 hari na 6.90% - 10.75% 6.92% - 7.00% 6.50% - - 6.60% - 6.17% - - > 30 days
1 hari 1) - - - - - - - - - - - - - - 6.11% 6.12% 6.11% 5.84% Overnight 1)
2-4 hari 1) - - - - - - - - - - - - - - 6.14% 6.14% 5.97% 5.84% 2-4 days 1)
1 minggu 1) - - - - - - - - - - - - - - 6.26% 6.27% 5.81% 6.55% 1 week 1)
2 minggu 1) - - - - - - - - - - - - - - 6.35% 6.35% - - 2 weeks 1)
3 minggu 1) - - - - - - - - - - - - - - - - - - 3 weeks 1)
1 bulan 1) - - - - - - - - - - - - - - 6.50% 6.50% 6.50% 6.35% 1 month 1)
2 bulan 1) - - - - - - - - - - - - - - 0% - - - 2 months1)
3 bulan 1) - - - - - - - - - - - - - - - - - - 3 months 1)
>3 bulan 1) - - - - - - - - - - - - - - - - - - >3 months 1)
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
2006 2007
2010 2011
(Weighted Average Rate of Return of IMA Certificate)
Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA
20092005
1) Periode jangka waktu mulai bulan Februari 2011 (Period start on February 2011)
2008
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
43
Propinsi Aset Gross
(Gross Assets)Pembiayaan (Financing)
Dana Pihak Ketiga
(Depositor Funds)FDR NPF
Province
Nanggroe Aceh Darussalam 2,773 2,037 1,281 159.01% 2.73% Nanggroe Aceh Darussalam
Sumatera Utara 5,327 3,678 2,980 123.42% 5.22% North Sumatera
Sumatera Barat 2,985 1,867 1,353 138.07% 1.32% West Sumatera
Sumatera Selatan 3,021 1,815 1,787 101.52% 1.94% South Sumatera
Bangka Belitung 323 206 269 76.65% 0.36% Bangka Belitung
Jambi 926 886 451 196.39% 3.51% Jambi
Bengkulu 359 340 207 164.09% 1.64% Bengkulu
Riau 3,628 1,890 1,879 100.57% 2.96% Riau
Kepulauan Riau 1,270 1,073 772 139.02% 2.55% Riau Islands
Lampung 1,288 1,094 649 168.52% 2.33% Lampung
DKI Jakarta 83,789 30,909 39,622 78.01% 4.77% DKI Jakarta
Jawa Barat 14,467 8,761 9,130 95.96% 2.65% West Java
Banten 4,222 3,294 3,228 102.05% 2.38% Banten
Jawa Tengah 6,423 4,341 3,381 128.40% 4.70% Central Java
DI Yogyakarta 2,320 997 1,321 75.49% 3.05% DI Yogyakarta
Jawa Timur 9,648 6,661 6,776 98.31% 1.49% East Java
Bali 402 368 264 139.43% 0.21% Bali
Kalimantan Barat 1,314 832 776 107.23% 0.55% West Kalimantan
Kalimantan Tengah 218 136 168 81.01% 0.56% Central Kalimantan
Kalimantan Timur 2,597 1,720 1,907 90.16% 7.19% East Kalimantan
Kalimantan Selatan 2,829 1,294 1,278 101.25% 9.36% South Kalimantan
Sulawesi Utara 349 271 135 200.19% 3.11% North Sulawesi
Gorontalo 200 188 159 118.18% 4.82% Gorontalo
Sulawesi Barat 84 75 28 268.32% 0.14% West Sulawesi
Sulawesi Tengah 547 493 308 159.92% 1.20% Central Sulawesi
Sulawesi Tenggara 307 218 239 91.11% 3.60% South East Sulawesi
Sulawesi Selatan 2,826 2,040 1,257 162.33% 3.41% South Sulawesi
Maluku 86 38 83 45.60% 1.35% Maluku
Maluku Utara 158 101 127 80.15% 1.60% North Maluku
NTB 802 695 437 159.04% 1.03% West Nusa Tenggara
NTT 127 121 73 167.14% 0.00% East Nusa Tenggara
Irian Jaya Barat 109 102 94 108.52% 3.54% West Irian Jaya
Papua 551 323 246 131.46% 0.35% Papua
Luar Indonesia 268 171 198 86.37% 0.00% Outside Indonesia
(Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province)
Tabel. 43. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi
Miliar Rupiah (in Bill ion IDR)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
44
Propinsi (Province)Aset (Assets) Pembiayaan (Financing)
Dana Pihak Ketiga
(Depositor Funds)FDR NPF
Propinsi (Province)
Nanggroe Aceh Darussalam 79,298 53,559 39,353 131.17% 47.10% Nanggroe Aceh Darussalam
Sumatera Utara 89,762 59,063 59,102 107.65% 17.34% North Sumatera
Sumatera Barat 103,082 80,000 72,044 106.13% 8.82% West Sumatera
Sumatera Selatan 7,732 4,257 4,731 98.42% 16.68% South Sumatera
Bangka Belitung 202,471 144,102 164,896 87.08% 20.51% Bangka Belitung
Jambi - - - - - Jambi
Bengkulu 66,511 58,179 41,441 127.98% 11.77% Bengkulu
Riau 60,881 52,708 25,634 184.98% 13.77% Riau
Kepulauan Riau 22,244 18,996 8,931 195.21% 21.64% Riau Islands
Lampung 105,478 72,436 47,139 158.90% 5.38% Lampung
DKI Jakarta 28,123 22,452 3,667 431.95% 51.05% DKI Jakarta
Jawa Barat 871,139 693,422 489,599 139.91% 12.46% West Java
Banten 314,188 264,747 220,894 116.87% 28.37% Banten
Jawa Tengah 245,988 191,763 153,349 110.86% 18.96% Central Java
DI Yogyakarta 138,249 97,484 101,260 90.21% 25.08% DI Yogyakarta
Jawa Timur 452,334 367,976 226,463 153.15% 22.61% East Java
Bali 6,413 5,819 5,272 113.21% 34.19% Bali
Kalimantan Barat - - - - - West Kalimantan
Kalimantan Tengah - - - - - Central Kalimantan
Kalimantan Timur 11,294 7,610 5,719 121.28% 84.49% East Kalimantan
Kalimantan Selatan 20,168 13,127 15,632 94.00% 22.22% South Kalimantan
Sulawesi Utara - - - - - North Sulawesi
Gorontalo - - - - - Gorontalo
Sulawesi Barat - - - - - West Sulawesi
Sulawesi Tengah - - - - - Central Sulawesi
Sulawesi Tenggara - - - - - South East Sulawesi
Sulawesi Selatan 104,841 78,502 37,981 151.98% 19.11% South Sulawesi
Maluku - - - - - Maluku
Maluku Utara - - - - - North Maluku
NTB 75,558 41,853 42,198 111.04% 13.92% West Nusa Tenggara
NTT - - - - - East Nusa Tenggara
Irian Jaya Barat - - - - - West Irian Jaya
Papua 1,105 760 282 201.75% 39.46% Papua
(Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province)
Tabel. 44. Total Aset, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi
Juta Rupiah (in Mill ion IDR)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
45
Pertanian, kehutanan dan
sarana pertanian Pertambangan Perindustrian Listrik, gas dan air Konstruksi
Perdagangan, restoran
dan hotel
Pengangkutan, pergudangan
dan komunikasi Jasa dunia usaha
Jasa sosial /
masyarakat Lain-lain
Agriculture, forestry and
agricultural facilitiesMining Manufacturing
Water, gas and
electricity Construction
Trade, restaurants and
hotels
Transport, cargo storage and
communicationBusiness Services Social Services Others
Nanggroe Aceh Darussalam 10 - 8 - 92 235 6 343 39 1,303 Nanggroe Aceh Darussalam
Sumatera Utara 547 4 26 14 194 767 21 673 146 1,287 North Sumatera
Sumatera Barat 36 2 12 - 5 232 6 376 49 1,149 West Sumatera
Sumatera Selatan 96 1 3 3 115 286 5 391 64 850 South Sumatera
Bangka Belitung 1 0 - 23 1 4 - 13 32 131 Bangka Belitung
Jambi 32 3 0 - 6 140 0 225 20 460 Jambi
Bengkulu 76 - - - 1 77 4 77 8 97 Bengkulu
Riau 275 - 5 0 204 181 82 392 22 728 Riau
Kepulauan Riau 3 0 9 - 5 68 41 296 13 639 Riau Islands
Lampung 52 0 16 5 3 124 3 398 94 399 Lampung
DKI Jakarta 594 863 1,707 1,886 2,928 2,763 3,107 8,557 989 7,515 DKI Jakarta
Jawa Barat 22 6 177 3 383 600 42 2,774 655 4,096 West Java
Banten 4 12 112 1 32 137 26 1,013 456 1,088 Banten
Jawa Tengah 11 57 262 8 93 713 16 1,036 237 1,910 Central Java
DI Yogyakarta 2 0 24 17 3 147 2 299 40 463 DI Yogyakarta
Jawa Timur 80 6 179 10 288 441 126 1,784 651 3,097 East Java
Bali - - 7 - - 26 - 2 115 218 Bali
Kalimantan Barat 16 0 2 - 44 81 107 158 8 414 West Kalimantan
Kalimantan Tengah 1 - - - - 4 25 46 4 56 Central Kalimantan
Kalimantan Timur 10 0 24 - 73 161 41 703 76 630 East Kalimantan
Kalimantan Selatan 3 95 7 0 82 56 209 371 56 414 South Kalimantan
Sulawesi Utara 0 - 0 0 10 80 1 146 0 32 North Sulawesi
Gorontalo 0 - 1 - 3 55 2 7 78 42 Gorontalo
Sulawesi Barat 31 - - - - 5 0 8 3 28 West Sulawesi
Sulawesi Tengah 3 2 0 0 6 58 1 151 4 267 Central Sulawesi
Sulawesi Tenggara - - 0 - - 23 - 132 1 62 South East Sulawesi
Sulawesi Selatan 7 0 4 - 17 109 1 593 11 1,298 South Sulawesi
Maluku - - 0 - 0 2 0 5 0 29 Maluku
Maluku Utara - - - - - - - 23 - 78 North Maluku
NTB 1 8 3 0 98 72 0 89 3 420 West Nusa Tenggara
NTT - 2 - - 70 2 1 22 3 20 East Nusa Tenggara
Irian Jaya Barat - - - - 3 34 0 29 2 34 West Irian Jaya
Papua 84 - 1 - 8 78 3 59 5 85 Papua
Luar Indonesia - 0 - - 48 121 1 - 1 - Outside Indonesia
Province
Miliar Rupiah (in Bil l ion IDR)
( Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province)
Tabel. 45. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi
Propinsi
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
46
Pertanian, kehutanan dan
sarana pertanian Pertambangan Perindustrian Listrik, gas dan air Konstruksi
Perdagangan, restoran
dan hotel
Pengangkutan, pergudangan
dan komunikasi Jasa dunia usaha
Jasa sosial /
masyarakat Lain-lain
Agriculture, forestry and
agricultural facilitiesMining Manufacturing
Water, gas and
electricity Construction
Trade, restaurants and
hotels
Transport, cargo storage and
communicationBusiness Services Social Services Others
Nanggroe Aceh Darussalam 1,918 1 883 100 3,677 32,051 290 3,113 1,482 10,043 Nanggroe Aceh Darussalam
Sumatera Utara 2,354 - 1,054 43 1,098 15,227 547 5,479 753 32,507 North Sumatera
Sumatera Barat 4,415 70 548 190 1,454 44,724 1,819 3,931 1,664 21,185 West Sumatera
Sumatera Selatan 281 - 388 - - 575 37 341 79 2,555 South Sumatera
Bangka Belitung 6,716 281 83 150 9,372 87,865 1,526 28,772 58 9,278 Bangka Belitung
Jambi - - - - - - - - - - Jambi
Bengkulu 23,930 30 1,045 - 2,914 22,445 258 400 723 6,435 Bengkulu
Riau 2,548 - 1,353 78 266 12,593 5,969 4,444 2,422 23,036 Riau
Kepulauan Riau 4,082 - - - - 3,083 69 1,066 559 10,137 Riau Islands
Lampung 8,317 - 720 18 169 10,474 44 7,666 5,938 39,090 Lampung
DKI Jakarta - - 38 - 627 19,835 - - 221 1,731 DKI Jakarta
Jawa Barat 97,439 171 7,038 517 8,915 138,056 8,215 71,072 17,665 344,335 West Java
Banten 218 81 262 - 5,994 129,251 573 81,969 7,452 38,946 Banten
Jawa Tengah 12,731 218 3,083 308 27,625 65,668 3,320 14,482 9,408 54,921 Central Java
DI Yogyakarta 2,148 - 2,711 229 3,476 25,806 593 22,241 6,946 33,335 DI Yogyakarta
Jawa Timur 23,512 160 4,565 77 3,311 111,184 3,467 39,845 6,095 175,760 East Java
Bali - - 1,377 - 200 3,329 - 155 113 644 Bali
Kalimantan Barat - - - - - - - - - - West Kalimantan
Kalimantan Tengah - - - - - - - - - - Central Kalimantan
Kalimantan Timur 555 - - - - 2,319 - - - 4,736 East Kalimantan
Kalimantan Selatan 666 - 112 18 1,303 3,513 3,473 2,150 372 1,520 South Kalimantan
Sulawesi Utara - - - - - - - - - - North Sulawesi
Gorontalo - - - - - - - - - - Gorontalo
Sulawesi Barat - - - - - - - - - - West Sulawesi
Sulawesi Tengah - - - - - - - - - - Central Sulawesi
Sulawesi Tenggara - - - - - - - - - - South East Sulawesi
Sulawesi Selatan 1,832 - 665 11 9,970 41,859 285 6,273 615 16,992 South Sulawesi
Maluku - - - - - - - - - - Maluku
Maluku Utara - - - - - - - - - - North Maluku
NTB 306 - 4 244 3,351 32,749 274 2,541 542 1,842 West Nusa Tenggara
NTT - - - - - - - - - - East Nusa Tenggara
Irian Jaya Barat - - - - - - - - - - West Irian Jaya
Papua - - - - - 276 26 - - 458 Papua
Province
Juta Rupiah (in Mill ion IDR)
( Financing of Islamic Rural Bank based on Economic Sector and Province)
Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi
Propinsi
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
47
Modal Kerja Investasi Konsumsi
Agriculture, forestry and agricultural
facilitiesMining Manufacturing
Nanggroe Aceh Darussalam 630 104 1,304 Nanggroe Aceh Darussalam
Sumatera Utara 1,529 863 1,287 North Sumatera
Sumatera Barat 555 163 1,149 West Sumatera
Sumatera Selatan 716 248 850 South Sumatera
Bangka Belitung 18 58 131 Bangka Belitung
Jambi 329 97 460 Jambi
Bengkulu 230 13 97 Bengkulu
Riau 590 571 729 Riau
Kepulauan Riau 256 177 641 Riau Islands
Lampung 598 97 399 Lampung
DKI Jakarta 15,532 7,804 7,521 DKI Jakarta
Jawa Barat 3,870 790 4,096 West Java
Banten 1,203 328 1,401 Banten
Jawa Tengah 1,952 480 1,910 Central Java
DI Yogyakarta 408 125 463 DI Yogyakarta
Jawa Timur 2,589 975 3,097 East Java
Bali 144 6 218 Bali
Kalimantan Barat 212 205 414 West Kalimantan
Kalimantan Tengah 40 40 56 Central Kalimantan
Kalimantan Timur 634 456 630 East Kalimantan
Kalimantan Selatan 494 385 414 South Kalimantan
Sulawesi Utara 234 4 32 North Sulawesi
Gorontalo 101 45 42 Gorontalo
Sulawesi Barat 41 6 28 West Sulawesi
Sulawesi Tengah 205 20 267 Central Sulawesi
Sulawesi Tenggara 87 68 62 South East Sulawesi
Sulawesi Selatan 629 112 1,298 South Sulawesi
Maluku 7 1 29 Maluku
Maluku Utara 23 - 78 North Maluku
NTB 141 134 420 West Nusa Tenggara
NTT 58 43 20 East Nusa Tenggara
Irian Jaya Barat 41 27 34 West Irian Jaya
Papua 137 101 85 Papua
Luar Indonesia 170 1 - Outside Indonesia
Province
Miliar Rupiah (in Bill ion IDR)
( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province)
Tabel. 47. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi
Propinsi
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
48
Modal Kerja Investasi Konsumsi
Working Capital Investment Consumption
Nanggroe Aceh Darussalam 42,258 1,258 10,043 Nanggroe Aceh Darussalam
Sumatera Utara 24,489 2,067 32,507 North Sumatera
Sumatera Barat 46,608 12,207 21,185 West Sumatera
Sumatera Selatan 936 765 2,555 South Sumatera
Bangka Belitung 123,295 11,528 9,278 Bangka Belitung
Jambi - - - Jambi
Bengkulu 42,966 8,778 6,435 Bengkulu
Riau 21,833 7,839 23,036 Riau
Kepulauan Riau 2,876 5,983 10,137 Riau Islands
Lampung 16,253 17,094 39,090 Lampung
DKI Jakarta 20,694 27 1,731 DKI Jakarta
Jawa Barat 297,643 51,444 344,335 West Java
Banten 181,171 44,629 38,946 Banten
Jawa Tengah 104,170 32,673 54,921 Central Java
DI Yogyakarta 54,134 10,015 33,335 DI Yogyakarta
Jawa Timur 166,287 25,929 175,760 East Java
Bali 3,814 1,361 644 Bali
Kalimantan Barat - - - West Kalimantan
Kalimantan Tengah - - - Central Kalimantan
Kalimantan Timur 2,874 - 4,736 East Kalimantan
Kalimantan Selatan 11,605 2 1,520 South Kalimantan
Sulawesi Utara - - - North Sulawesi
Gorontalo - - - Gorontalo
Sulawesi Barat - - - West Sulawesi
Sulawesi Tengah - - - Central Sulawesi
Sulawesi Tenggara - - - South East Sulawesi
Sulawesi Selatan 59,471 2,039 16,992 South Sulawesi
Maluku - - - Maluku
Maluku Utara - - - North Maluku
NTB 30,990 9,021 1,842 West Nusa Tenggara
NTT - - - East Nusa Tenggara
Irian Jaya Barat - - - West Irian Jaya
Papua 233 69 458 Papua
Province
Juta Rupiah (in Mill ion IDR)
(Financing of Islamic Rural Bank based on Type of Usage and Province)
Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi
Propinsi
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
49
Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah
Small and Medium Enterprises Non Small and Medium Enterprises
Nanggroe Aceh Darussalam 1,602 435 Nanggroe Aceh Darussalam
Sumatera Utara 2,584 1,094 North Sumatera
Sumatera Barat 1,508 360 West Sumatera
Sumatera Selatan 767 1,048 South Sumatera
Bangka Bel i tung 32 173 Bangka Belitung
Jambi 867 19 Jambi
Bengkulu 316 24 Bengkulu
Riau 1,613 277 Riau
Kepulauan Riau 911 162 Riau Islands
Lampung 755 339 Lampung
DKI Jakarta 24,421 6,488 DKI Jakarta
Jawa Barat 6,001 2,756 West Java
Banten 1,855 1,026 Banten
Jawa Tengah 3,344 998 Central Java
DI Yogyakarta 754 243 DI Yogyakarta
Jawa Timur 5,564 1,098 East Java
Bal i 293 75 Bali
Kal imantan Barat 578 254 West Kalimantan
Kal imantan Tengah 115 21 Central Kalimantan
Kal imantan Timur 1,546 174 East Kalimantan
Kal imantan Selatan 1,135 159 South Kalimantan
Sulawes i Utara 215 55 North Sulawesi
Gorontalo 182 6 Gorontalo
Sulawes i Barat 32 44 West Sulawesi
Sulawes i Tengah 271 222 Central Sulawesi
Sulawes i Tenggara 60 158 South East Sulawesi
Sulawes i Selatan 1,472 568 South Sulawesi
Maluku 26 12 Maluku
Maluku Utara 13 88 North Maluku
NTB 426 269 West Nusa Tenggara
NTT 47 74 East Nusa Tenggara
Irian Jaya Barat 36 65 West Irian Jaya
Papua 294 29 Papua
Luar Indones ia 23 148 Outside Indonesia
Province
( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province)
Tabel. 49. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi
Miliar Rupiah (in Bill ion IDR)
Propinsi
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
50
Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah
Small and Medium Enterprises Non Small and Medium Enterprises
Nanggroe Aceh Darussalam 45,146 8,413 Nanggroe Aceh Darussalam
Sumatera Utara 20,105 38,958 North Sumatera
Sumatera Barat 51,056 28,944 West Sumatera
Sumatera Selatan 1,802 2,455 South Sumatera
Bangka Bel i tung 124,323 19,779 Bangka Belitung
Jambi - - Jambi
Bengkulu 47,143 11,036 Bengkulu
Riau 8,054 44,654 Riau
Kepulauan Riau 9,679 9,317 Riau Islands
Lampung 25,546 46,890 Lampung
DKI Jakarta 22,275 177 DKI Jakarta
Jawa Barat 326,727 366,695 West Java
Banten 233,230 31,517 Banten
Jawa Tengah 138,062 53,701 Central Java
DI Yogyakarta 43,162 54,322 DI Yogyakarta
Jawa Timur 189,151 178,824 East Java
Bal i 5,460 358 Bali
Kal imantan Barat - - West Kalimantan
Kal imantan Tengah - - Central Kalimantan
Kal imantan Timur 1,690 5,920 East Kalimantan
Kal imantan Selatan 12,470 657 South Kalimantan
Sulawes i Utara - - North Sulawesi
Gorontalo - - Gorontalo
Sulawes i Barat - - West Sulawesi
Sulawes i Tengah - - Central Sulawesi
Sulawes i Tenggara - - South East Sulawesi
Sulawes i Selatan 23,366 55,136 South Sulawesi
Maluku - - Maluku
Maluku Utara - - North Maluku
NTB 39,582 2,271 West Nusa Tenggara
NTT - - East Nusa Tenggara
Irian Jaya Barat - - West Irian Jaya
Papua 281 479 Papua
Tabel. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi
(Financing of Islamic Rural Bank based on Type of Financing and Province)Propinsi Province
Juta Rupiah (in Mill ion IDR)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
51
Propinsi Kota/Kabupaten Pembiayaan
(Financing)
Dana Pihak Ketiga
(Depositor Funds)FDR
City/District Province
Kab. Tangerang 1,041 1,273 81.78% Kab. Tangerang
Kab. Serang 410 471 86.94% Kab. Serang
Koti f Ci legon 694 858 80.90% Koti f Ci legon
Kodya Tangerang 733 626 117.09% Kodya Tangerang
Kab. Bekas i 881 1,280 68.79% Kab. Bekas i
Kab. Purwakarta 215 136 157.80% Kab. Purwakarta
Kab. Bogor 146 186 78.80% Kab. Bogor
Kab. Cianjur 119 100 119.49% Kab. Cianjur
Kab. Bandung 10 19 49.83% Kab. Bandung
Kab. Tas ikmalaya 11 2 711.83% Kab. Tas ikmalaya
Kab. Maja lengka 22 5 441.20% Kab. Maja lengka
Kodya Bandung 3,116 3,246 96.00% Kodya Bandung
Kodya Bogor 1,147 1,386 82.79% Kodya Bogor
Kodya Sukabumi 197 116 170.57% Kodya Sukabumi
Kodya Cirebon 978 554 176.70% Kodya Cirebon
Koti f Tas ikmalaya 543 286 190.05% Koti f Tas ikmalaya
Koti f Cimahi 133 109 121.85% Koti f Cimahi
Koti f Depok 380 531 71.63% Koti f Depok
Koti f Bekas i 862 1,176 73.34% Koti f Bekas i
DKI Jakarta Wi l . Kota Jakarta Pusat 17,380 18,582 93.53% Wil . Kota Jakarta Pusat DKI Jakarta
Wi l . Kota Jakarta Utara 1,346 1,790 75.20% Wil . Kota Jakarta Utara
Wi l . Kota Jakarta Barat 1,155 888 130.10% Wil . Kota Jakarta Barat
Wi l . Kota Jakarta Selatan 8,987 15,513 57.93% Wil . Kota Jakarta Selatan
Wil . Kota Jakarta Timur 2,041 2,851 71.59% Wil . Kota Jakarta Timur
DIY Kab. Sleman 10 48 20.30% Kab. Sleman DIY
Kodya Yogyakarta 987 1,272 77.59% Kodya Yogyakarta
Kab. Kendal 5 4 149.43% Kab. Kendal
Kab. Tegal 82 3 2536.63% Kab. Tegal
Kab. Pati 24 7 346.24% Kab. Pati
Kab. Kudus 117 75 156.64% Kab. Kudus
Kab. Banyumas 368 218 169.11% Kab. Banyumas
Kab. Ci lacap 42 44 95.83% Kab. Ci lacap
Kodya Semarang 1,491 1,277 116.83% Kodya Semarang
Kodya Sa latiga 5 5 98.86% Kodya Sa latiga
Kodya Pekalongan 610 453 134.52% Kodya Pekalongan
Kodya Tegal 210 109 192.78% Kodya Tegal
Kodya Surakarta 1,334 1,172 113.90% Kodya Surakarta
Koti f Purwokerto 52 15 339.40% Koti f Purwokerto
Jawa Timur Kab. Gres ik 184 125 147.51% Kab. Gres ik East Java
Kab. Sidoarjo 284 253 112.27% Kab. Sidoarjo
Kab. Pamekasan 119 143 82.80% Kab. Pamekasan
Kab. Banyuwangi 113 45 251.83% Kab. Banyuwangi
Kab. Jember 444 271 163.47% Kab. Jember
Kab. Bojonegoro 122 109 111.75% Kab. Bojonegoro
Kodya Surabaya 3,224 3,803 84.77% Kodya Surabaya
Kodya Malang 1,263 862 146.50% Kodya Malang
Kodya Bl i tar 18 13 133.46% Kodya Bl i tar
Kodya Kediri 836 1,124 74.39% Kodya Kediri
Kodya Madiun 55 26 206.34% Kodya Madiun
Bengkulu Kodya Bengkulu 340 207 164.09% Kodya Bengkulu Bengkulu
Jambi Kodya Jambi 886 451 196.39% Kodya Jambi Jambi
Kodya Banda Aceh 1,160 932 124.43% Kodya Banda Aceh
Koti f Lhokseumawe 437 153 285.70% Koti f Lhokseumawe
Koti f Langsa 214 99 216.90% Koti f Langsa
Koti f Simeulue 226 97 232.52% Koti f Simeulue
Sumatera Utara Kab. Del i Serdang 26 21 120.54% Kab. Del i Serdang North Sumatera
Kab. Labuhan Batu 252 129 195.38% Kab. Labuhan Batu
Kodya Tebing Tinggi 112 99 113.32% Kodya Tebing Tinggi
Kodya Binja i 348 138 252.05% Kodya Binja i
Kodya Pematang Siantar 539 257 209.33% Kodya Pematang Siantar
Kodya Tanjung Bala i 38 57 67.24% Kodya Tanjung Bala i
Kodya Sibolga 44 22 199.77% Kodya Sibolga
Kodya Medan 1,873 1,912 97.93% Kodya Medan
Koti f Padang Sidempuan 446 344 129.69% Koti f Padang Sidempuan
Kodya Bukittinggi 400 323 123.79% Kodya Bukittinggi
Kodya Padang 1,135 916 123.91% Kodya Padang
Kodya Payakumbuh 333 114 292.87% Kodya Payakumbuh
Kab. Bengkal is 91 156 58.80% Kab. Bengkal is
Kodya Pekanbaru 1,570 1,480 106.07% Kodya Pekanbaru
Koti f Dumai 229 244 93.83% Koti f Dumai
Koti f Tanjungpinang 343 319 107.20% Koti f Tanjungpinang
Kodya Pulau Batam 731 453 161.48% Kodya Pulau Batam
Sumatera Selatan Kodya Palembang 1,406 1,608 87.43% Kodya Palembang South Sumatera
Koti f Lubukl inggau 68 20 331.33% Koti f Lubukl inggau
Koti f Prabumul ih 130 67 193.55% Koti f Prabumul ih
Koti f Batura ja 211 92 230.49% Koti f Batura ja
Bangka Bel i tung Kodya Pangkal Pinang 206 269 76.65% Kodya Pangkal Pinang Bangka Bel i tung
Kab. Lampung Tengah 213 83 255.08% Kab. Lampung Tengah
Kodya Bandar Lampung 881 566 155.76% Kodya Bandar Lampung
Kab. Banjar 94 118 79.80% Kab. Banjar South Ka l imantan
Kab. Hulu Sungai Selatan 73 46 159.22% Kab. Hulu Sungai Selatan
Kab. Tabalong 2 3 66.40% Kab. Tabalong
Kodya Banjarmas in 1,125 1,111 101.24% Kodya Banjarmas in
Kab. Sambas 6 8 72.21% Kab. Sambas West Ka l imantan
Kab. Ketapang 32 66 48.84% Kab. Ketapang
Kodya Pontianak 794 702 113.11% Kodya Pontianak
Kab. Kuta i 186 149 124.49% Kab. Kuta i East Ka l imantan
Kab. Pas i r 7 0 2207.77% Kab. Pas i r
Kodya Samarinda 768 1,083 70.88% Kodya Samarinda
Kodya Bal ikpapan 760 675 112.59% Kodya Bal ikpapan
Kab. Kotawaringin Barat 4 12 28.70% Kab. Kotawaringin Barat
Kab. Kotawaringin Timur 0 3 1.16% Kab. Kotawaringin Timur
Kodya Palangkaraya 132 152 86.88% Kodya Palangkaraya
Kab. Banggai 123 57 216.20% Kab. Banggai
Kodya Pa lu 369 251 147.15% Kodya Palu
Kab. Wajo 42 21 201.68% Kab. Wajo South Sulawes i
Kab. Maros 65 30 213.57% Kab. Maros
Kodya Makassar 1,933 1,205 160.36% Kodya Makassar
Sulawes i Barat Kab. Mamuju 75 28 268.32% Kab. Mamuju West Sulawes i
Sulawes i Utara Kodya Menado 271 135 200.19% Kodya Menado North Sulawes i
Goronta lo Kodya Goronta lo 188 159 118.18% Kodya Goronta lo Goronta lo
Sulawes i Tenggara Kab. Kendari 22 12 184.71% Kab. Kendari
Kodya Kendari 196 227 86.21% Kodya Kendari
Kab. Lombok Barat 18 1 2585.76% Kab. Lombok Barat
Kab. Lombok Timur 88 34 258.13% Kab. Lombok Timur
Kodya Mataram 588 402 146.41% Kodya Mataram
Bal i Kab. Badung 34 3 1043.05% Kab. Badung Bal i
Kodya Denpasar 335 261 128.22% Kodya Denpasar
Nusa Tenggara
Timur
Kodya Kupang 121 73 167.14% Kodya Kupang East Nusa Tenggara
Maluku Kodya Ambon 38 83 45.60% Kodya Ambon Maluku
Irian Jaya Barat Kab. Sorong 86 84 102.01% Kab. Sorong
Kodya Jayapura 323 246 131.46% Kodya Jayapura
Papua Kodya Sorong 16 10 163.20% Kodya Sorong Papua
Maluku Utara Koti f Ternate 101 127 80.15% Koti f Ternate North Maluku
Luar Indones ia Luar Indones ia 171 198 86.37% Outs ide Indones ia Outs ide Indones ia
Miliar Rupiah (in Bil l ion IDR)
(Financing, Depositor Funds, percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on City/District)
Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/kabupaten
Banten
Jawa Tengah
Banten
Jawa Barat
Sumatera Barat
West Java
NAD
West Sumatera
Riau
Centra l Java
NAD
Riau
Kal imantan Barat
Kal imantan Timur
Nusa Tenggara Barat
Lampung
Centra l Sulawes i
Southeast Sulawes i
West Irian Jaya
Ka l imantan Selatan
Centra l Ka l imantan
Kep. Riau
Kal imantan Tengah
Sulawes i Selatan
Lampung
Riau Is lands
Sulawes i Tengah
West Nusa
Tenggara
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
52
-
20,000,000
40,000,000
60,000,000
80,000,000
100,000,000
120,000,000
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Miliar rupiah (in Billion IDR)
Grafik 1. Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah(Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit)
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan yang Diberikan (Financing)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
53
-
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Juta rupiah (in Million IDR)
Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah(Assets, Depositor Funds and Financing - Islamic Rural Bank )
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
54
84.00%
86.00%
88.00%
90.00%
92.00%
94.00%
96.00%
98.00%
100.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha SyariahFDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
55
120.00%
125.00%
130.00%
135.00%
140.00%
145.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah(FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
56
Dana Pihak Ketiga (Depositor Funds)
87.4%
Kewajiban Kepada Bank Lain (Inter-bank Liabilities)
6.3%
Surat Berharga (Securities)
0.8%
Pinjaman yang Diterima (Received Borrowing)
0.3%
Modal (Capital)
5.2%
Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah(Source of Funds - Islamic Commercial Bank and Islamic Business Unit)
Mei 2011 (May 2011)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
57
Dana Pihak Ketiga (Depositor Funds)
64.3%
Kewajiban Kepada Bank Lain (Liabilities to other bank)
16.3%
Pinjaman yang Diterima (Received Borrowing)
3.8%
Modal (Capital)
14.8%
Kewajiban Lainnya (Other Liabilities)
0.7%
Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah
(Source of Funds - Islamic Rural Bank)
Mei 2011 (May 2011)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
58
PYD(Financing)
83.3%
Penempatan di Bank Lain (Inter - bank assets )
4.4%
Penempatan di BI (Placement at BI)
6.0%
Surat Berharga(Investment in Securities)
5.9%
Penyertaan (Equity participation)
0.1% Tagihan Lainnya (Billing and Acceptable Liabilities)
0.4%
Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah(Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)
Mei 2011 (May 2011)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
59
PYD(Financing)
84.8%
Penempatan di Bank Lain (Inter - bank assets )
15.2%
Grafik 8. Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank)
Mei 2011 (May 2011)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
60
0%
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
0.00
5.00
10.00
15.00
20.00
25.00
30.00
35.00
40.00
45.00
50.00
55.00
60.00
65.00
70.00
75.00
80.00
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Triliun Rupiah(in Trillion IDR)
Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah
(Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)
Pembiayaan Yang Diberikan (Financing) NPF (percentage)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
61
-1%
1%
3%
5%
7%
9%
11%
13%
15%
0.00
200,000.00
400,000.00
600,000.00
800,000.00
1,000,000.00
1,200,000.00
1,400,000.00
1,600,000.00
1,800,000.00
2,000,000.00
2,200,000.00
2,400,000.00
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Juta Rupiah(in Million IDR)
Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah(Trend of Financing and NPF - Islamic Rural Bank)
Pembiayaan Yang Diberikan (Financing) NPF (percentage)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
62
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
Grafik 11. Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah(Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)
ROA (Left Axis) ROE (Islamic Commercial Bank only - Right Axis) BOPO (Right Axis)
Statistik Perbankan Syariah (Islamic Banking Statistics), May 2011
63
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
3.50%
4.00%
4.50%
May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11
ROA (Left Axis) ROE (Right Axis) BOPO (Right Axis)