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Page 1: Statistik Perbankan Syariah · PDF fileDirektorat Perbankan Syariah BANK INDONESIA The Islamic Banking Statistics is a media publication that provides information regarding

i

Statistik Perbankan Syariah

(Islamic Banking Statistics)

Page 2: Statistik Perbankan Syariah · PDF fileDirektorat Perbankan Syariah BANK INDONESIA The Islamic Banking Statistics is a media publication that provides information regarding
Page 3: Statistik Perbankan Syariah · PDF fileDirektorat Perbankan Syariah BANK INDONESIA The Islamic Banking Statistics is a media publication that provides information regarding

i

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:

[email protected]

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

to: [email protected]

Directorate of Islamic Banking

BANK INDONESIA

i

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Statistik Perbankan Syariah (Islamic Banking Statistics), December 2009

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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 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of

Islamic Rural Bank based on Location) ............................................................................. 2

Tab. 3 Layanan Syariah (Office Channeling) ................................................................................ 3 Tab. 4 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... 4 Tab. 5 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial

Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ 5

Tab. 6 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) ..................................................................................................................

6

Tab. 7 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) .................

7

Tab. 8 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement).................................................................................

8

Tab. 9 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) ......................................................................................................

9

Tab. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank)................................................

10

Tab. 11 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) .............................

11

Tab. 12 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) .........................................................................................................

12

Tab. 13 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit).......

13

Tab. 14 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) ..............................

14

Tab. 15 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) .........

15

Tab. 16 Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) ................................................................................

16

Tab. 17 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ............................................................................................................

17

Tab. 18 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) ……………………………………...

18

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Page Tab. 19

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) .............................................................................................................

19

Tab. 20 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage)………………………………………….

20

Tab. 21 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) ………………………………………………………………………………………………….

21

Tab. 22 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) ………................................

22

Tab. 23 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)………………………………………........................................................................

23

Tab. 24 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) ……………………….........................

24

Tab. 25 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) ……….........……………………................................

25

Tab. 26 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector)……………………………………………………………………………………………………......................

26

Tab. 27 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) ............................................................................

27

Tab. 28 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) ..............................................................................................................................

28

Tab. 29 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) …………………………………………….......…

29

Tab. 30 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) ........................................................................................................................

30

Tab. 31 Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) .......................................................

31

Tab. 32 Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) ................................................................................................................................

32

Tab. 33 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) .......................................................................................

33

Tab. 34 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) .................

34

Tab. 35 Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)........................................................

35

Tab. 36 Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank).................................................................................................................................

36

Tab. 37 Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) ...................................................................................

37

Tab. 38 Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)…. 38

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Tab. 39

Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) ........................................................................................................................

Page 39

Tab. 40 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).........................................................................

40

Tab. 41 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)............................................................................................................................

41

Tab. 42 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)..........................................................................

42

Tab. 43 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and Province)............................................................................................................................

43

Tab. 44 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).....................................................................

44

Tab. 45 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)...

45

Tab. 46 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)..................................................

46

Tab. 47 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province)....................................................................................................

47

Grafik 1 Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) ………………..........…

48

Grafik 2 Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank) …….…………………………………………......................................

49

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 ) …………………………………………………………………..................................

50

Grafik 4 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) …….........................

51

Graph 5 Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) ....…………………………………………….……………

52

Grafik 6 Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 53

Graph 7 Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)........................................................

54

Grafik 8 Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank)........................................................................................................................

55

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)....................

56

Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF – Islamic Rural Bank).................................................................................................

57

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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

Desember 2009 dilakukan pada tanggal 22

Januari 2010.

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 December 2009 Islamic

Banking Statistics is on January 22, 2010.

4. The Islamic Banking Statistics can be viewed

on Bank Indonesia website www.bi.go.id.

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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

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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

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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.

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

- Jumlah Bank (Number of Banks) 3 3 3 3 3 3 5 5 5 5 6 6

- Jumlah Kantor (Number of Offices) 304 349 401 402 405 497 581 635 643 660 701 711

- Jumlah Bank Umum Konvensional yang memiliki UUS

(Number of Conventional Banks that have Islamic Business Unit) 19 20 26 28 28 28 27 26 25 24 25 25

- Jumlah Kantor (Number of Offices) 154 183 196 207 214 216 241 253 256 264 286 287

- Jumlah Bank (Number of Banks) 92 105 114 117 124 128 131 133 133 137 139 139

- Jumlah Kantor (Number of Offices) 92 105 185 188 195 199 202 208 208 220 224 225

550 637 782 797 814 912 1,024 1,096 1,107 1,144 1,211 1,223

Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)

Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)

Total Kantor (Total Number of Offices)

Bank Umum Syariah (Islamic Commercial Bank)

Unit Usaha Syariah (Islamic Business Unit)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 Jawa Barat 26 28 28 28 28 28 28 28 27 27 27 27

2 Banten 8 8 8 8 8 8 8 8 8 8 8 8

3 DKI Jakarta 0 0 1 1 1 1 1 2 2 2 2 2

4 D.I. Yogyakarta 2 3 6 6 7 8 9 9 9 9 9 9

5 Jawa Tengah 8 11 13 13 15 15 15 16 16 18 19 19

6 Jawa Timur 12 17 19 19 21 22 23 23 24 25 25 25

7 Bengkulu 2 2 2 2 2 2 2 2 2 2 2 2

8 Jambi 0 0 0 0 0 0 0 0 0 0 0 0

9 Nanggroe Aceh Darussalam 5 5 5 6 6 6 6 6 6 7 8 8

10 Sumatera Utara 6 6 7 7 7 7 7 7 7 7 7 7

11 Sumatera Barat 3 4 4 4 5 6 6 6 6 6 6 6

12 Riau 2 2 2 4 4 4 4 4 4 4 4 4

13 Sumatera Selatan 1 1 1 1 1 1 1 1 1 1 1 1

14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1

15 Kepulauan Riau 0 0 0 0 0 0 1 1 1 1 1 1

16 Lampung 3 3 3 3 4 5 5 5 5 5 5 5

17 Kalimantan Selatan 1 1 1 1 1 1 1 1 1 1 1 1

18 Kalimantan Barat 0 0 0 0 0 0 0 0 0 0 0 0

19 Kalimantan Timur 1 1 1 1 1 1 1 1 1 1 1 1

20 Kalimantan Tengah 0 0 0 0 0 0 0 0 0 0 0 0

21 Sulawesi Tengah 0 0 0 0 0 0 0 0 0 0 0 0

22 Sulawesi Selatan 7 7 7 7 7 7 7 7 7 7 7 7

23 Sulawesi Utara 0 0 0 0 0 0 0 0 0 0 0 0

24 Gorontalo 0 0 0 0 0 0 0 0 0 0 0 0

25 Sulawesi Barat 0 0 0 0 0 0 0 0 0 0 0 0

26 Sulawesi Tenggara 0 0 0 0 0 0 0 0 0 0 0 0

27 Nusa Tenggara Barat 2 3 3 3 3 3 3 3 3 3 3 3

28 Bali 1 1 1 1 1 1 1 1 1 1 1 1

29 Nusa Tenggara Timur 0 0 0 0 0 0 0 0 0 0 0 0

30 Maluku 0 0 0 0 0 0 0 0 0 0 0 0

31 Papua 1 1 1 1 1 1 1 1 1 1 1 1

32 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0

Total 92 105 114 117 124 128 131 133 133 137 139 139

(Number of Islamic Rural Bank based on Location)

Tabel 2. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

Provinsi (Province)

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3

2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 UUS BNI 0 136 636 636 638 640 640 641 641 641 641 641

2 UUS Bank Danamon 0 7 70 70 80 133 133 133 137 137 137 137

3 UUS Bank Permata 0 212 184 184 184 186 186 186 192 192 192 192

4 UUS BII 0 4 8 8 8 9 9 9 9 9 9 9

5 UUS Bank Tabungan Negara 0 27 36 39 39 64 64 69 69 98 116 116

6 UUS CIMB Niaga 0 43 63 63 106 105 143 269 313 441 505 505

7 UUS BTPN 0 0 0 0 0 0 8 12 12 12 12 12

8 UUS HSBC 0 0 7 7 7 7 10 10 10 10 10 10

9 UUS BPD DKI 0 10 21 21 21 33 33 34 34 34 34 34

10 UUS BPD Banda Aceh 0 0 - - - - 0 - - - - -

11 UUS BPD Sumut 0 0 63 63 63 76 76 76 84 84 84 84

12 UUS BPD Riau 0 0 8 8 8 33 33 33 33 33 37 37

13 UUS BPD Sumbar 0 0 - - 5 5 5 5 5 5 5 5

14 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41

15 UUS BPD Jabar dan Banten 0 9 9 9 9 28 28 28 28 28 28 28

16 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0

17 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0

18 UUS BPD Jatim 0 0 0 0 0 0 0 2 2 2 2 37

19 UUS BPD Kalsel 0 0 10 10 10 10 10 15 15 15 15 15

20 UUS BPD Kalbar 0 0 0 0 0 1 1 1 1 1 5 5

21 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10

22 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0

23 UUS BPD Nusa Tenggara Barat 0 0 1 1 1 10 10 11 11 11 11 11

24 UUS OCBC NISP 0 0 0

25 UUS Bank Sinarmas 0 0 0

26 UUS BEI 0 0 0 0 0 0 0 0 0

27 UUS Bukopin 0 7 27 30 30 29 29 33 33

28 UUS IFI 0 1 1 1 1 1 1 1

29 UUS BRI 0 0 0 0 0 0 0

30 UUS Lippo 0 0 0 0 0 38

Bank

Tabel 3. Layanan Syariah (Office Channeling)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

3,523 3,913 4,311 4,547 4,683 7,148 6,609 7,500 8,486 9,275 9,880 10,348

1,436 1,797 2,266 2,307 2,498 2,535 2,562 2,178 2,223 2,179 2,250 2,296

1,037 1,666 2,108 2,022 2,272 2,423 2,581 2,644 2,811 2,694 2,763 2,799

Tabel 4. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)

Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)

Bank Umum Syariah (Islamic Commercial Bank)

Unit Usaha Syariah (Islamic Business Unit)

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AKTIVA 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 Kas (Cash) 226 346 488 496 525 720 759 723 749 1,158 869 1,017

2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 4,860 4,506 2,928 5,189 5,958 6,530 6,545 7,888 10,393

3 Penempatan pada Bank Lain (Placement in Other Bank) 1,058 991 1,667 1,716 1,853 1,653 1,978 2,185 2,449 2,262 2,512 3,036

4 Surat Berharga yang Dimiliki (Investment in Securities) 730 829 1,388 1,400 1,758 2,510 2,683 2,715 2,700 2,744 3,644 3,786

5 Pembiayaan (Financing) 15,270 20,445 27,944 29,629 34,100 37,681 38,199 39,308 42,195 44,523 45,726 46,886

6 Tagihan Lainnya (Billing and Acceptable Liabilities) 21 15 182 115 162 110 136 142 122 219 215 171

7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 2 31 9 7 12 24 32 26 24 24 25 24

8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 944 1,039 1,128 1,148 1,318 1,460 1,802 1,646 1,649

9 Penyertaan (Investment in other entities) 6 6 41 41 41 41 79 41 83 83 83 83

10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 296 296 297 436 459 555 568 601 672

11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 16,109 18,973 19,864 24,882 22,604 25,489 27,708 30,542 33,853

12 Rupa-rupa Aktiva (Other assets) 495 621 743 702 749 969 1,200 1,358 1,193 1,290 1,382 1,623

20,880 26,722 36,538 38,344 42,981 45,857 49,555 51,678 55,238 58,034 61,359 66,090

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 29,552 33,049 33,569 36,852 38,040 42,103 45,381 47,887 52,271

2 Kewajiban kepada Bank Indonesia  (Liabilities to Bank Indonesia) 32 32 32 32 32 32 68 8 7 6 6 6

3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 980 874 1,951 1,610 1,650 2,431 2,419 3,037 2,912 2,611 3,322 3,717

4 Surat Berharga yang Diterbitkan (Securities) 265 268 350 350 413 438 311 361 360 360 340 340

5 Pinjaman Diterima (Received Borrowing) 204 181 155 148 135 126 150 141 132 551 523 512

6 Kewajiban  lainnya (Other Liabilities) 210 285 473 546 608 557 727 535 567 739 767 845

7 Pinjaman Subordinasi (Subordinated Loan) - - - - - - - - - - - 50

8 Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 19,728 23,323 25,526 30,283 27,948 30,607 31,699 34,819 37,601

9 Rupa-rupa Pasiva (Other Liabilities) 185 218 260 233 361 412 463 613 399 481 520 582

10 Modal disetor (Paid-in capital) 951 991 1,017 1,017 1,125 1,137 1,752 1,852 1,801 1,801 1,801 1,946

11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 132 132 132 466 466 466 466 466 468

12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - - - - 13 13 - - - -

13 Cadangan (Reserves) 230 268 275 275 333 333 335 335 449 449 449 449

a. Cadangan Umum (General Reserves) 230 268 275 275 333 333 335 335 449 449 449 449

b. Cadangan Tujuan (Special Purpose Reserves) - - - - - - - - - - - -

14 Laba (Net Income)

  a. Tahun-tahun lalu (Previous years) (76) 27 149 585 362 359 152 562 308 308 308 315

  b. Tahun berjalan (Current year) 238 355 540 218 411 613 432 289 517 469 634 791

TOTAL PASIVA* 20,880 26,722 36,538 38,344 42,981 45,857 49,555 51,678 55,238 58,034 61,359 66,090

Miliar Rupiah (in Bil l ion IDR )

* Net

TOTAL AKTIVA*

Tabel 5 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)

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AKTIVA 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 Kas (Cash) 11,723 19,341 25,090 21,881 23,737 20,267 25,150 29,086 31,078 34,893 35,673 28,938

2 Penempatan pada Bank Lain (Placement in Other Bank) 102,597 185,208 232,589 243,797 237,090 227,680 334,050 303,494 292,991 306,952 338,007 407,658

3 Pembiayaan (Financing) 417,282 615,469 890,709 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919

4 Tagihan Lainnya (Billing and Acceptable Liabilities) - - - - - - - - - - - -

5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15,119 - - - - - (464) (33) - 37 350 350

6 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 18,997 27,709 29,535 35,339 34,002 32,708 31,617 32,887 32,393

7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 30,128 34,221 38,360 40,499 42,117 42,707 42,933 45,501 46,654

8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 59,524 59,509 64,033 62,327 65,047 65,454 73,845 76,970 75,570

585,467 896,017 1,215,916 1,295,149 1,456,451 1,575,915 1,693,332 1,747,780 1,820,576 1,962,225 2,051,436 2,125,780

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 772,220 865,319 896,909 975,815 1,034,228 1,082,786 1,158,034 1,228,468 1,250,609

2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97,561 175,803 175,533 212,633 261,538 271,481 271,399 275,041 315,112 317,435 353,062

3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 50,787 64,442 67,322 68,268 64,594 65,279 65,340 55,001 56,744

4 Kewajiban  lainnya (Other Liabilities) 8,992 8,808 10,912 15,106 14,609 17,613 19,545 16,682 17,192 14,184 13,758 18,383

5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 3 3 3 3 3 3 3 353

6 Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 29,277 33,509 33,118 35,861 32,171 31,018 31,957 33,470 35,222

7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 185,620 198,288 214,781 221,651 230,928 250,396 262,843 285,153 294,992

8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 25,002 31,794 39,992 54,605 52,123 48,986 53,510 44,967 41,929

9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) - - - - - - - - - - - -

10 Cadangan (Reserves) 9,345 16,833 20,684 22,684 27,147 27,072 28,338 31,485 36,426 36,439 36,799 36,817

a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 13,201 15,766 15,892 16,638 19,316 22,162 22,219 22,587 22,582

b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 9,483 11,380 11,181 11,699 12,169 14,265 14,220 14,211 14,235

11 Laba (Net Income)

  a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) 3,719 (12,982) (13,189) (14,501) (3,199) (19,253) (21,279) (21,736) (22,109)

  b. Tahun berjalan (Current year) 16,499 20,966 27,064 12,080 19,151 28,381 29,787 13,218 27,977 41,358 53,345 54,912

585,467 896,017 1,215,916 1,295,149 1,456,451 1,575,915 1,693,332 1,747,780 1,820,576 1,962,225 2,051,436 2,125,780

Tabel 6. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)

Juta Rupiah (in Mill ion IDR)

* Net

TOTAL PASIVA*

TOTAL AKTIVA*

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 2,177 3,085 3,795 1,322 2,306 3,609 5,093 1,523 3,132 4,759 5,957 6,620

2 194 288 406 137 276 446 632 206 514 893 1,106 1,551

3 565 838 1,260 394 854 1,390 2,061 708 1,528 2,502 3,159 3,500

4 925 1,306 1,468 411 831 1,307 1,938 645 1,306 1,970 2,448 2,697

Total pendapatan (Total Revenue) 2,012 2,905 3,993 1,441 2,605 4,138 5,848 1,792 3,868 6,183 7,773 8,975

1 939 1,324 1,774 695 1,059 1,679 2,603 565 1,253 2,263 2,807 3,135

2 202 263 317 104 218 344 492 168 469 831 1,027 1,485

3 573 904 1,273 401 872 1,433 2,147 742 1,576 2,531 3,188 3,523

Total Beban (Total Expenses) 1,714 2,491 3,365 1,200 2,149 3,456 5,242 1,475 3,298 5,625 7,022 8,143

298 414 628 241 456 682 605 317 570 558 751 832

16 25 33 0 (0) (1) 78 0 0 0 0 (73)

282 389 595 241 456 683 528 317 570 558 751 904

44 34 55 23 45 70 92 27 53 90 118 135

238 355 540 218 411 613 432 289 517 469 634 791

Beban operasional lainnya (Other Operating Expenses)

Pendapatan non operasional (Non operating Revenue)

Miliar Rupiah (in Bill ion IDR)

Tabel 7. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )

Pendapatan Operasional Lainnya (Other operating Revenue)

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

B. Beban (Expenses)

Beban non operasional (Non Operating Expenses)

Beban operasional (Operating Expenses)

D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)

E. Laba tahun berjalan sebelum pajak (Net Income before Tax)

Pendapatan Operasional (Operating Revenue)

A. Pendapatan (Revenue)

C. Laba tahun berjalan (Income)

F. Taksiran pajak penghasilan (Tax Expense) -/-

G. Laba setelah taksiran pajak penghasilan (Net Income)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 97,275 154,633 203,063 62,597 133,093 208,200 293,964 85,708 178,916 275,332 342,616 382,177

2 9,629 15,945 22,927 6,723 15,623 24,401 32,883 8,683 18,285 29,801 37,955 43,069

3 1,249 3,676 6,159 1,257 3,031 4,575 6,714 1,795 4,037 5,635 6,892 8,084

4 33,430 49,949 77,246 23,112 49,208 76,437 108,154 30,953 64,084 100,230 125,618 138,804

Total pendapatan (Total Revenue) 88,894 142,364 186,295 57,131 120,500 188,373 267,795 78,820 164,667 251,167 311,553 347,191

1 49,378 82,315 105,458 29,328 69,762 110,303 162,045 42,849 88,784 139,589 172,237 194,071

2 2,518 10,217 8,455 2,824 6,558 10,347 14,767 5,508 12,007 16,408 19,752 24,594

3 1,378 3,310 6,797 1,261 2,785 5,200 8,214 1,600 3,469 5,732 6,951 8,465

Total Beban (Total Expenses) 53,274 95,842 120,709 33,414 79,105 125,851 185,027 49,957 104,260 161,729 198,940 227,131

21,449 27,407 34,193 14,052 23,434 34,888 40,381 15,298 32,743 49,163 62,545 67,191

180 300 372 119 232 398 626 139 323 513 685 951

21,269 27,107 33,821 13,933 23,202 34,490 39,755 15,159 32,420 48,650 61,860 66,240

4,770 6,224 7,013 1,853 4,052 6,109 9,976 2,672 4,593 6,939 8,898 11,351

16,499 20,883 26,809 12,080 19,151 28,381 29,787 13,218 27,977 41,358 53,345 54,912

Pendapatan non operasional (Non operating Revenue)

Pendapatan Operasional (Operating Revenue)

F. Taksiran pajak penghasilan (Tax Expense) -/-

G. Laba setelah taksiran pajak penghasilan (Net Income)

Beban operasional lainnya (Other Operating Expenses)

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

Tabel 8. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )

Juta Rupiah (in Mill ion IDR)

Pendapatan Operasional Lainnya (Other operating Revenue)

E. Laba tahun berjalan sebelum pajak (Net Income before Tax)

B. Beban (Expenses)

Beban operasional (Operating Expenses)

C. Laba tahun berjalan (Income)

D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)

Beban non operasional (Non Operating Expenses)

A. Pendapatan (Revenue)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 67 90 135 36 72 121 180 32 60 92 121 154

2 20 19 19 6 13 22 32 6 17 28 34 45

87 109 153 42 85 143 212 38 77 119 155 200

(Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit)

Tabel 9. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah)

Miliar Rupiah (in Bill ion IDR)

Total

Biaya pendidikan dan pelatihan (Cost of education and training)

Biaya promosi (Cost of promotion)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 826 1,300 2,284 737 1,414 2,453 4,178 1,006 2,024 3,273 4,184 4,901

2 686 1,649 1,889 464 1,285 1,924 2,727 639 1,319 2,195 3,026 3,622

1,512 2,949 4,173 1,201 2,700 4,376 6,905 1,645 3,343 5,468 7,210 8,523

(Cost of Promotion, Education and Training - Islamic Rural Bank)

Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah

Juta Rupiah (in Million IDR)

Biaya promosi (Cost of promotion)

Total

Biaya pendidikan dan pelatihan (Cost of education and training)

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2005 2006 2007 Mar-08 Jun-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 2,048 3,416 3,750 3,635 5,046 4,238 4,209 5,199 5,492 5,752 6,202

2 4,367 6,430 9,454 9,902 10,858 12,471 13,045 14,149 14,578 15,079 16,475

a Akad Wadiah (Wadia) 183 332 645 669 762 958 961 1,351 1,268 1,568 1,538

b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 9,233 10,096 11,513 12,084 12,798 13,310 13,511 14,937

3 9,169 10,826 14,807 16,015 17,145 20,143 20,786 22,755 25,311 27,056 29,595

a 1 Bulan (1 month) 3,835 5,234 9,309 9,645 11,442 14,325 14,624 15,980 15,930 17,384 19,794

b 3 Bulan (3 months) 2,228 1,973 1,406 1,971 1,545 1,919 2,346 2,683 3,803 4,252 4,544

c 6 Bulan (6 months) 1,480 1,231 1,296 1,382 1,356 1,827 1,549 1,459 1,708 1,844 1,758

d 12 Bulan (12 months) 1,625 2,143 2,787 3,007 2,789 2,066 2,263 2,632 3,868 3,574 3,497

e > 12 Bulan (> 12 months) 1 245 9 11 12 6 4 2 1 1 1

15,584 20,672 28,012 29,552 33,048 36,852 38,040 42,103 45,381 47,887 52,271

Tabel 11 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah

Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

Total

Miliar Rupiah (in Bill ion IDR)

(Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)

Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )

Tabungan iB (iB Saving Deposits)

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2005 2006 2007 Mar-08 Jun-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 - - - - - - - - - - -

2 160,906 231,440 296,890 334,138 363,272 441,291 460,311 474,092 492,682 512,945 553,397

a Akad Wadiah (Wadia) 48,600 73,634 86,708 96,164 115,183 161,450 187,529 195,759 209,991 219,913 234,282

b Akad Mudharabah (Mudharaba) 112,306 157,806 210,182 237,974 248,089 279,841 272,782 278,333 282,691 293,032 319,115

3 173,325 289,712 420,968 438,082 502,047 534,524 573,918 608,693 665,352 715,523 697,213

a 1 Bulan (1 month) 25,327 58,518 63,504 67,039 72,855 68,141 95,841 97,946 138,184 119,990 110,360

b 3 Bulan (3 months) 31,371 45,288 49,724 53,026 74,320 55,818 77,824 77,814 76,815 94,318 95,514

c 6 Bulan (6 months) 35,403 60,348 45,915 53,030 61,187 68,875 92,255 101,614 157,831 170,744 125,492

d 12 Bulan (12 months) 78,877 122,300 205,596 198,311 229,741 270,133 301,570 318,138 275,875 314,095 348,963

e > 12 Bulan (> 12 months) 2,347 3,258 56,229 66,676 63,946 71,557 6,428 13,182 16,646 16,375 16,884

334,231 521,152 717,858 772,220 865,319 975,815 1,034,228 1,082,786 1,158,034 1,228,468 1,250,609

(Depositor Funds Composition of Islamic Rural Bank)

Tabel 12. Komposisi DPK - Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR )

Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

Total

Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )

Tabungan iB (iB Saving Deposits)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

464 1,282 1,840 2,713 2,449 2,506 2,363 2,700 2,265 2,131 2,611 2,694

2,395 2,357 2,599 2,135 1,751 366 2,545 2,704 1,819 2,635 2,142 3,076

321 2 101 12 306 56 280 553 2,446 1,779 3,135 4,623

3,180 3,641 4,540 4,860 4,506 2,928 5,189 5,958 6,530 6,545 7,888 10,393

Miliar Rupiah (in Bill ion IDR)

Tabel 13. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)

Total

SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank Indonesia Islamic Certificate)

Lainnya (Others)

Giro Wadiah (Wadiah Demand Deposits)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 - - 4 6 7 254 279 253 254 251 1,103 1,103

2 704 828 1,384 1,394 1,750 2,256 2,400 2,458 2,442 2,489 2,499 2,641

3 26 1 - - - - 4 4 4 4 42 42

730 829 1,388 1,400 1,758 2,510 2,683 2,715 2,700 2,744 3,644 3,786

Tabel 14 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)

Miliar Rupiah (in Bill ion IDR)

Lainnya (Others)

Total

Surat Berharga Pasar Keuangan Syariah (Islamic Financial Market Securities)

Surat Berharga Pasar Modal Syariah (Islamic Capital Market Securities)

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Akad (Contract) 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Akad Mudharabah (Mudharaba) 3,124 2,335 4,406 5,200 6,117 6,968 7,411 8,108 9,142 10,007 10,359 10,412

Akad Musyarakah (Musharaka) 1,898 4,062 5,578 5,835 6,518 6,750 6,205 5,890 6,134 6,459 6,506 6,597

Akad Murabahah (Murabaha) 9,487 12,624 16,553 16,977 19,811 22,044 22,486 22,732 24,245 25,046 25,570 26,321

Akad Salam (Salam) 0 0 0 0 0 0 0 0 0 0 0 0

Akad Istishna (Istishna) 282 337 351 365 367 385 369 404 412 415 431 423

Akad Ijarah (ijara) 316 836 516 464 523 698 765 962 1,059 1,195 1,251 1,305

Akad Qardh (Qardh) 125 250 540 788 765 836 959 1,211 1,202 1,400 1,609 1,829

Lainnya (Others) 0 0 0 0 0 0 0 0 0 0 0 0

Total 15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 45,726 46,886

(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)

Tabel 15. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah

Miliar Rupiah (in Bill ion IDR )

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Akad (Contract) 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Akad Mudharabah (Mudharaba) 24,237 65,342 90,483 80,367 108,193 127,219 113,379 114,213 125,338 148,595 158,452 144,969

Akad Musyarakah (Musharaka) 40,065 26,351 41,714 40,852 48,398 50,340 42,952 48,671 50,170 52,706 53,504 52,781

Akad Murabahah (Murabaha) 337,566 505,633 716,240 775,055 902,965 996,557 1,011,743 1,071,177 1,120,559 1,196,883 1,237,253 1,269,900

Akad Salam (Salam) 90 30 0 38 38 38 38 38 38 0 105 105

Akad Istishna (Istishna) 1,844 1,361 13,467 17,067 18,454 22,019 24,683 25,773 27,286 34,663 34,882 32,766

Akad Ijarah (ijara) 6,816 6,783 3,661 5,490 5,271 6,558 5,518 6,557 8,146 8,181 7,970 7,803

Akad Qardh (Qardh) 6,666 9,969 19,038 25,542 29,444 30,966 40,308 46,571 52,600 54,301 55,253 50,018

Multijasa (Multi Purpose Financing) 0 0 6,106 7,179 10,264 13,961 17,988 19,420 25,762 28,085 28,809 28,578

Total 417,282 615,469 890,709 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919

Tabel 16 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR)

(Financing Composition of Islamic Rural Bank)

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SEKTOR EKONOMI 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

ECONOMIC SECTOR

Pertanian, kehutanan dan sarana pertanian 687 701 837 850 1,000 1,225 1,177 1,303 1,282 1,288 1,330 1,331

Agriculture, forestry and agricultural facilities

Pertambangan 395 375 511 817 546 585 965 1,021 927 998 1,009 1,047

Mining

Perindustrian 933 940 1,371 1,512 1,670 1,420 1,340 1,305 1,470 1,477 1,495 1,579

Manufacturing

Li s trik, gas dan a i r 66 17 166 99 157 224 248 299 433 591 670 698

Water, gas and electricity

Konstruks i 1,548 1,637 2,371 2,480 3,307 3,745 3,368 3,248 3,396 3,705 3,648 3,516

Construction

Perdagangan, restoran dan hotel 1,716 3,041 4,152 4,381 4,416 4,441 4,426 4,745 5,248 5,370 5,719 5,000

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 1,261 1,165 1,569 1,231 1,952 2,290 2,759 2,839 3,181 3,080 3,168 3,349

Transport, cargo storage and communication

Jasa dunia usaha 4,504 5,458 8,425 8,907 10,236 11,383 11,757 11,606 12,475 13,334 13,369 13,664

Business Services

Jasa sos ia l/masyarakat 1,208 1,456 1,904 1,965 2,362 2,735 2,463 2,476 2,588 2,616 2,704 2,661

Social Services

La in-la in 2,913 5,655 6,639 7,387 8,454 9,633 9,693 10,465 11,195 12,063 12,616 14,042

Others

Total 15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 45,726 46,886

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)

Tabel 17. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi

Miliar Rupiah (in Bill ion IDR )

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SEKTOR EKONOMI

ECONOMIC SECTOR

Pertanian, kehutanan dan sarana pertanian 11,874 17,720 24,436 29,566 40,027 39,828 41,613 43,618 47,606 51,307 53,911 54,486

Agriculture, forestry and agricultural facilities

Pertambangan 138 485 944 928 817 861 1,287 2,206 1,758 1,507 1,275 998

Mining

Perindustrian 9,207 12,465 12,447 11,975 14,133 17,464 15,885 17,095 16,901 19,882 20,278 20,420

Manufacturing

Li s trik, gas dan a i r 109 748 367 557 2,588 1,473 1,146 557 900 927 1,554 1,055

Water, gas and electricity

Konstruks i 3,495 6,570 16,051 15,911 20,636 25,919 26,536 34,913 36,231 52,416 53,340 48,178

Construction

Perdagangan, restoran dan hotel 190,583 255,559 295,195 309,495 357,221 390,729 370,907 428,840 451,561 481,118 477,980 486,018

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 3,618 8,704 9,075 10,839 13,349 14,915 17,697 19,729 21,138 19,575 18,530 17,289

Transport, cargo storage and communication

Jasa dunia usaha 49,031 72,194 99,050 101,249 126,727 147,590 140,989 147,575 163,100 185,913 183,851 176,760

Business Services

Jasa sos ia l/masyarakat 5,155 5,632 6,402 6,595 8,753 7,828 22,609 11,494 13,461 12,730 16,805 16,451

Social Services

La in-la in 144,072 235,392 422,148 464,477 538,777 601,050 617,942 626,391 657,245 698,039 748,706 765,264

Others

Total 417,282 615,469 886,117 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919

Dec-09

Juta Rupiah (in Mill ion IDR )

Tabel 18. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

(Financing of Islamic Rural Bank based on Economic Sector)

Nov-0920072005 2006 Dec-08Jun-08 Sep-08 Sep-09Mar-08 Jun-09Mar-09

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Modal Kerja Nilai (Amount) 7,988 10,405 15,656 16,357 18,690 20,315 20,554 20,572 22,274 23,056 23,358 22,873

Working Capital Pangsa (Share) 52.4% 50.9% 56.0% 55.2% 54.8% 53.9% 53.8% 52.3% 52.8% 51.8% 51.1% 48.8%

Investasi Nilai (Amount) 4,288 4,374 5,637 5,870 6,930 7,695 7,907 8,229 8,696 9,371 9,721 9,955

Investment Pangsa (Share) 28.1% 21.4% 20.2% 19.8% 20.3% 20.4% 20.7% 20.9% 20.6% 21.0% 21.3% 21.2%

Konsumsi Nilai (Amount) 2,956 5,666 6,652 7,403 8,480 9,671 9,734 10,507 11,225 12,095 12,647 14,058

Consumption Pangsa (Share) 19.4% 27.7% 23.8% 25.0% 24.9% 25.7% 25.5% 26.7% 26.6% 27.2% 27.7% 30.0%

15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 45,726 46,886

JENIS PENGGUNAAN

TYPE OF USAGE

Total

Miliar Rupiah (in Bill ion IDR)

(Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage)

Tabel 19 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Modal Kerja Nilai (Amount) 236,794 357,743 497,472 522,176 602,916 662,604 664,644 695,684 692,310 858,195 778,595 767,538

Working Capital Pangsa (Share) 56.75% 58.13% 55.89% 54.87% 53.69% 53.11% 52.89% 52.21% 49.10% 56.33% 49.40% 48.37%

Investasi Nilai (Amount) 48,023 78,597 125,320 114,994 127,912 133,490 132,729 139,873 151,263 178,813 186,018 186,482

Investment Pangsa (Share) 11.51% 12.77% 14.08% 12.08% 11.39% 10.70% 10.56% 10.50% 10.73% 11.74% 11.80% 11.75%

Konsumsi Nilai (Amount) 132,466 179,129 267,278 314,420 392,199 451,563 459,237 496,863 566,327 486,407 611,616 632,899

Consumption Pangsa (Share) 31.74% 29.10% 30.03% 33.04% 34.92% 36.19% 36.55% 37.29% 40.17% 31.93% 38.80% 39.88%

417,282 615,469 890,070 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919 Total

JENIS PENGGUNAAN

TYPE OF USAGE

Tabel 20. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

Juta Rupiah (in Mill ion IDR)

(Financing of Islamic Rural Bank based on Type of Usage)

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GOLONGAN PEMBIAYAAN 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

TYPE OF FINANCING

Usaha Kecil dan Menengah 10,196 14,872 19,566 20,574 24,455 27,179 27,063 27,867 30,506 32,576 34,495 35,799

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 9,056 9,645 10,501 11,132 11,441 11,689 11,947 11,231 11,087

Non Small and Medium Enterprises

Total 15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 45,726 46,886

Miliar Rupiah (in Bill ion IDR)

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)

Tabel 21. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan

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GOLONGAN PEMBIAYAAN 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

TYPE OF FINANCING

Usaha Kecil dan Menengah 273,212 380,079 575,028 584,580 603,546 661,145 657,359 701,789 718,078 817,331 830,528 833,076

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 367,050 519,521 586,552 599,291 630,630 691,823 706,084 745,701 753,843

Non Small and Medium Enterprises

Total 417,284 615,471 890,072 951,630 1,123,067 1,247,697 1,256,650 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919

(Financing of Islamic Rural Bank based on Type of Financing)

Tabel 22 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

Juta Rupiah (in Mill ion IDR)

*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )

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KOLEKTIBILITAS PEMBIAYAAN

COLLECTIBILITY OF FINANCING

Lancar (Performing Financing) 14,803 19,474 26,813 28,393 32,658 36,127 36,686 37,289 40,344 41,975 43,192 45,004

Lancar (Current) 14,027 18,583 25,494 26,993 31,278 34,413 35,076 35,024 37,601 38,815 39,977 41,931

Dalam Perhatian Khusus (Special Mention) 776 891 1,319 1,399 1,380 1,714 1,610 2,264 2,743 3,161 3,216 3,074

Non Lancar (Non Performin Financing) 429 971 1,131 1,237 1,442 1,554 1,509 2,019 1,851 2,547 2,534 1,882

Kurang Lancar (Sub-Standard) 201 353 321 269 449 531 525 804 553 1,136 898 435

Diragukan (Doubtful) 73 236 267 382 286 262 224 200 417 341 746 582

Macet (Lost) 155 383 543 586 706 761 759 1,015 881 1,070 889 865

Total Pembiayaan (Total Financing) 15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 45,726 46,886

Percentage of NPFs 2.82% 4.75% 4.05% 4.17% 4.23% 4.12% 3.95% 5.14% 4.39% 5.72% 5.54% 4.01%

2006 Jun-08Mar-08 Mar-09Dec-082005 Jun-092007 Sep-08 Sep-09 Dec-09Nov-09

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)

Tabel 23. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan

Miliar Rupiah (in Bill ion IDR)

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KOLEKTIBILITAS PEMBIAYAAN

COLLECTIBILITY OF FINANCING

Lancar (Performing Financing) 371,781 564,373 820,058 876,827 1,039,253 1,161,305 1,151,287 1,220,356 1,298,387 1,399,736 1,444,450 1,475,306

Non Lancar (Non Performin Financing) 45,501 51,096 72,349 74,764 83,774 86,352 105,322 112,064 111,513 123,678 131,779 111,612

Kurang Lancar (Sub-Standard) 12,290 16,267 22,674 25,006 25,280 26,136 35,322 32,277 36,157 42,524 42,704 31,049

Diragukan (Doubtful) 23,338 19,760 17,090 17,061 17,481 16,659 21,307 28,111 31,039 36,245 34,002 30,687

Macet (Lost) 9,873 15,069 32,586 32,697 41,013 43,557 48,693 51,675 44,316 44,910 55,073 49,877

Total Pembiayaan (Total Financing) 417,282 615,469 892,407 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,576,229 1,586,919

Percentage of NPFs 10.90% 8.30% 8.11% 7.86% 7.46% 6.92% 8.38% 8.41% 7.91% 8.12% 8.36% 7.03%

Dec-09

(Financing of Islamic Rural Bank based on Collectibility)

Tabel 24. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan

Juta Rupiah (in Mill ion IDR)

Nov-09Sep-092006 Jun-09Mar-092007 Dec-08Mar-082005 Jun-08 Sep-08

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SEKTOR EKONOMI

ECONOMIC SECTOR

Pertanian, kehutanan dan sarana pertanian 34 40 21 30 20 14 10 17 28 36 35 64

Agriculture, forestry and agricultural facilities

Pertambangan 14 25 80 70 14 14 213 262 56 80 54 20

Mining

Perindustrian 82 219 229 246 267 264 289 286 230 183 179 184

Manufacturing

Li s trik, gas dan a i r 0 0 0 0 0 0 0 0 0 0 0 0

Water, gas and electricity

Konstruks i 23 57 89 105 131 112 140 176 148 255 282 180

Construction

Perdagangan, restoran dan hotel 78 205 254 278 285 289 278 301 306 444 473 436

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 42 88 119 132 102 98 91 98 100 187 233 177

Transport, cargo storage and communication

Jasa dunia usaha 68 187 141 164 337 452 297 378 453 607 618 311

Business Services

Jasa sos ia l/masyarakat 22 40 41 49 87 130 44 130 134 146 132 59

Social Services

La in-la in 65 110 157 162 199 181 148 370 394 609 528 450

Others

Total 429 971 1,131 1,237 1,442 1,554 1,509 2,019 1,851 2,547 2,534 1,882

2005 Mar-0820072006 Mar-09 Nov-09Sep-09Jun-08 Jun-09Dec-08Sep-08 Dec-09

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)

Tabel 25. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi

Miliar Rupiah (in Bill ion IDR)

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SEKTOR EKONOMI

ECONOMIC SECTOR

Pertanian, kehutanan dan sarana pertanian 1,259 1,472 1,783 2,182 2,517 3,866 3,839 3,915 3,919 5,067 4,954 3,741

Agriculture, forestry and agricultural facilities

Pertambangan - 10 270 29 - - 1 81 631 596 506 309

Mining

Perindustrian 1,913 1,377 1,652 1,810 1,807 2,175 2,317 2,416 2,298 2,926 3,846 3,090

Manufacturing

Li s trik, gas dan a i r - 43 1 - 54 65 214 133 183 63 184 75

Water, gas and electricity

Konstruks i 55 158 908 2,292 1,613 2,071 4,526 4,344 4,325 5,238 4,810 4,484

Construction

Perdagangan, restoran dan hotel 26,405 30,305 38,045 37,061 40,909 38,962 39,224 47,329 46,402 52,999 53,018 45,737

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 198 491 705 933 543 770 1,538 870 902 2,545 1,829 1,705

Transport, cargo storage and communication

Jasa dunia usaha 6,269 6,802 8,593 9,578 10,336 10,569 16,421 14,679 15,131 13,018 15,715 10,416

Business Services

Jasa sos ia l/masyarakat 551 449 254 483 503 530 676 833 658 792 1,316 516

Social Services

La in-la in 8,850 9,988 20,139 20,397 25,493 27,345 36,568 37,464 37,064 40,435 45,601 41,539

Others

Total 45,501 51,096 72,349 74,764 83,774 86,352 105,322 112,064 111,513 123,678 131,779 111,612

Dec-09

(Non performing Financing of Islamic Rural Bank based on Economic Sector)

Tabel 26. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

Juta Rupiah (in Mill ion IDR)

2006 2007 Sep-09Mar-08 Mar-09 Jun-09Dec-08 Nov-092005 Jun-08 Sep-08

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Modal Kerja Nilai (Amount) 216 604 647 717 798 862 871 1,066 942 1,209 1,371 899

Working Capital Pangsa (Share) 50.2% 62.2% 57.2% 57.9% 55.4% 55.5% 57.7% 52.8% 50.9% 47.4% 54.1% 47.7%

Investasi Nilai (Amount) 148 258 326 357 444 511 489 583 515 730 634 534

Investment Pangsa (Share) 34.6% 26.5% 28.8% 28.9% 30.8% 32.9% 32.4% 28.9% 27.8% 28.6% 25.0% 28.4%

Konsumsi Nilai (Amount) 65 110 158 163 199 182 148 370 394 609 529 450

Consumption Pangsa (Share) 15.2% 11.3% 14.0% 13.2% 13.8% 11.7% 9.8% 18.3% 21.3% 23.9% 20.9% 23.9%

429 971 1,131 1,237 1,442 1,554 1,509 2,019 1,851 2,547 2,534 1,882

JENIS PENGGUNAAN

TYPE OF USAGE

Total

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage)

Tabel 27. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan

Miliar Rupiah (in Bill ion IDR)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Modal Kerja Nilai (Amount) 34,239 38,716 53,267 53,947 61,425 62,915 75,154 71,584 72,261 82,579 83,786 68,821

Working Capital Pangsa (Share) 75.2% 75.8% 73.6% 72.2% 73.3% 72.9% 71.4% 63.9% 64.8% 66.8% 63.6% 61.7%

Investasi Nilai (Amount) 4,454 5,445 6,114 7,390 7,613 7,353 8,890 10,323 11,154 12,117 12,877 10,723

Investment Pangsa (Share) 9.8% 10.7% 8.5% 9.9% 9.1% 8.5% 8.4% 9.2% 10.0% 9.8% 9.8% 9.6%

Konsumsi Nilai (Amount) 6,808 6,936 12,968 13,427 14,737 16,084 21,278 30,157 28,097 28,982 35,115 32,068

Consumption Pangsa (Share) 15.0% 13.6% 17.9% 18.0% 17.6% 18.6% 20.2% 26.9% 25.2% 23.4% 26.6% 28.7%

45,501 51,096 72,349 74,764 83,774 86,352 105,322 112,064 111,513 123,678 131,779 111,612

(Non Performing Financing of Islamic Rural Bank based on Type of Usage)

Tabel 28 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

Juta Rupiah (in Mill ion IDR)

Total

JENIS PENGGUNAAN

TYPE OF USAGE

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GOLONGAN PEMBIAYAAN 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

TYPE OF FINANCING

Usaha Kecil dan Menengah 330 725 798 909 1,010 1,183 985 1,353 1,174 1,663 1,644 1,611

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah 99 246 333 328 432 371 524 666 677 884 890 271

Non Small and Medium Enterprises

Total 429 971 1,131 1,237 1,442 1,554 1,509 2,019 1,851 2,547 2,534 1,882

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)

Tabel 29. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan

Miliar Rupiah (in Bill ion IDR)

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GOLONGAN PEMBIAYAAN

TYPE OF FINANCING

Usaha Kecil dan Menengah 45,501 41,108 50,322 51,391 57,813 60,251 69,501 73,710 73,486 81,108 84,391 70,160

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah *) - 9,988 22,028 23,373 25,961 26,102 35,821 38,354 38,027 42,571 47,388 41,453

Non Small and Medium Enterprises

Total 45,501 51,096 72,349 74,764 83,774 86,352 105,322 112,064 111,513 123,678 131,779 111,612

Dec-09

(Non Performing Financing of Islamic Rural Bank based on Type of Financing)

Tabel 30. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

Juta Rupiah ( in Mill ion IDR)

Nov-09Mar-09 Sep-09Jun-09

*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )

2006 2007 Dec-082005 Jun-08Mar-08 Sep-08

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Dana Pihak Ketiga (Depositor Funds) 1,255,889 1,992,452 2,845,829 3,150,819 3,401,298 3,657,231 3,766,067 4,266,814 4,612,411 4,549,370 4,400,670 4,537,565

Giro iB (Demand Deposits) 26,100 34,499 42,741 43,850 47,101 48,988 51,123 58,686 57,803 60,401 70,734 71,635

Tabungan iB (Saving Deposits) 1,168,786 1,883,875 2,711,374 3,009,494 3,253,322 3,501,899 3,600,205 4,079,270 4,424,263 4,350,940 4,183,185 4,315,582

Deposito iB (Time Deposits) 61,003 74,078 91,714 97,475 100,875 106,344 114,739 128,858 130,345 138,029 146,751 150,348

Pembiayaan (Financing) 144,699 372,109 512,230 520,942 538,451 582,046 597,208 626,602 633,109 653,666 674,298 577,134

Akad Mudharabah (Mudharaba) 15,857 14,967 23,411 26,144 28,731 30,403 30,071 30,050 30,614 31,980 32,438 32,609

Akad Musyarakah (Musharaka) 2,396 3,026 6,013 7,021 8,826 10,439 10,949 11,277 12,514 14,550 15,557 16,066

Akad Murabahah (Murabaha) 119,832 340,824 454,952 448,431 459,270 493,142 498,469 513,501 518,054 524,184 528,344 422,551

Akad Salam (Salam) - - - - - - - - - - - -

Akad Istishna (Istishna) 408 387 392 437 472 614 695 854 1,114 1,283 1,324 1,346

Akad Ijarah (ijara) 129 443 1,007 1,056 1,581 1,792 1,912 2,072 2,625 2,763 3,061 4,192

Akad Qardh (Qardh) 6,077 12,462 26,455 37,853 39,571 45,656 55,112 68,848 68,188 78,906 93,574 100,370

1,400,588 2,364,561 3,358,059 3,671,761 3,939,749 4,239,277 4,363,275 4,893,416 5,245,520 5,203,036 5,074,968 5,114,699

satuan (in unit)

Jenis

Total

(Number of Account of Islamic Commercial Bank and Islamic Business Unit)

Tabel 31 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Dana Pihak Ketiga (Depositor Funds) 221,070 287,203 339,914 436,932 374,150 385,448 437,464 432,767 516,615 461,969 484,387 517,944

Giro iB (Demand Deposits) - - - - - - - - - - - -

Tabungan iB (Saving Deposits) 214,866 279,046 329,272 425,620 362,115 372,864 423,550 417,733 501,059 445,640 467,290 500,414

Deposito iB (Time Deposits) 6,204 8,157 10,642 11,312 12,035 12,584 13,914 15,034 15,556 16,329 17,097 17,530

Pembiayaan (Financing) 47,627 70,415 110,415 95,917 104,796 110,415 115,050 124,286 124,912 130,101 134,325 131,258

Akad Mudharabah (Mudharaba) 2,079 2,312 2,777 2,513 2,584 2,777 2,446 2,641 2,711 2,669 2,467 2,595

Akad Musyarakah (Musharaka) 2,959 3,915 4,633 4,389 4,770 4,633 4,442 4,458 4,719 5,101 5,136 4,990

Akad Murabahah (Murabaha) 38,928 58,895 91,121 79,145 85,511 91,121 92,843 99,540 98,919 101,972 105,053 105,030

Akad Salam (Salam) 10 1 5 5 5 5 5 5 5 - 1 1

Akad Istishna (Istishna) 314 310 403 363 355 403 438 504 533 701 746 768

Akad Qardh (Qardh) 2,547 3,991 8,816 8,290 9,831 8,816 11,795 13,899 14,811 15,646 16,949 13,712

Akad Ijarah (ijara) 790 991 727 684 680 727 577 490 469 911 891 903

Multijasa (Multi Purpose Financing) - - 1,933 528 1,060 1,933 2,504 2,749 2,745 3,101 3,082 3,259

268,697 357,618 450,329 532,849 478,946 495,863 552,514 557,053 641,527 592,070 618,712 649,202

(Number of Account of Islamic Rural Bank)

Tabel 32. Jumlah rekening Bank Pembiayaan Rakyat Syariah

satuan (in unit)

Total

Jenis

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Dana Pihak Ketiga (Depositor Funds)

1 1.16% 1.27% 1.07% 1.02% 1.01% 1.13% 1.18% 1.02% 1.36% 1.01% 0.89% 0.96%

2 3.96% 3.72% 3.32% 3.20% 3.03% 3.07% 3.61% 3.21% 3.21% 3.06% 2.73% 2.76%

3

a 1 Bulan (1 month) 7.86% 8.96% 7.63% 7.02% 6.85% 7.15% 8.22% 7.35% 7.65% 6.78% 6.75% 6.92%

b 3 Bulan (3 months) 8.03% 9.81% 7.93% 7.15% 7.16% 7.44% 9.10% 9.59% 8.13% 7.36% 7.19% 7.25%

c 6 Bulan (6 months) 8.82% 9.57% 8.25% 7.77% 7.60% 7.94% 8.67% 8.30% 7.83% 7.05% 6.89% 8.44%

d 12 Bulan (12 months) 9.35% 9.99% 8.34% 7.26% 7.15% 7.65% 8.34% 8.49% 10.77% 9.20% 9.09% 9.06%

e > 12 Bulan (> 12 months) 7.83% 10.04% 7.17% 6.08% 5.98% 8.98% 8.63% 8.56% 7.71% 8.42% 8.46% 8.63%

Pembiayaan (Financing)

1 12.75% 13.73% 16.93% 20.31% 19.11% 19.43% 19.38% 19.01% 19.19% 19.33% 19.09% 19.11%

2 8.46% 10.25% 11.23% 12.06% 11.65% 11.06% 11.37% 10.98% 11.29% 11.04% 11.49% 11.72%

3 13.05% 12.09% 14.66% 14.49% 14.15% 14.39% 14.92% 15.12% 15.46% 15.78% 15.95% 16.07%

4 - - - - - - - - - - - -

5 13.80% 13.46% 14.30% 14.22% 14.21% 14.15% 14.99% 14.67% 14.28% 14.16% 14.04% 13.89%

6 0.59% 0.66% 0.16% 0.21% 0.40% 0.18% 0.88% 0.46% 0.46% 0.78% 0.73% 0.76%

7 5.25% 5.33% 2.89% 3.29% 3.12% 3.23% 3.42% 3.40% 3.68% 3.78% 3.98% 4.34%

Tabel 33. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah

Deposito iB (Time Deposits)

Akad Salam (Salam)

(Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit)

Jenis

Giro iB (Demand Deposits)

Tabungan iB (Saving Deposits)

Akad Mudharabah (Mudharaba)

Akad Musyarakah (Musharaka)

Akad Murabahah (Murabaha)

Akad iIstishna (Istishna)

Akad Qardh (Qardh)

Akad Ijarah (ijara)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Dana Pihak Ketiga (Depositor Funds)

1 - - - - - - - - - - - -

2 5.69% 10.62% 5.50% 5.99% 6.21% 6.62% 6.62% 5.95% 5.83% 5.78% 5.94% 6.19%

3

a 1 Bulan (1 month) 8.79% 12.73% 10.64% 10.68% 10.39% 10.76% 10.47% 10.95% 10.99% 11.38% 11.17% 12.03%

b 3 Bulan (3 months) 10.60% 12.44% 11.65% 12.46% 10.14% 11.54% 13.16% 12.03% 12.24% 11.81% 12.40% 12.43%

c 6 Bulan (6 months) 12.98% 13.68% 12.14% 12.04% 12.98% 13.88% 13.74% 13.66% 13.16% 13.07% 13.48% 13.38%

d 12 Bulan (12 months) 9.27% 12.58% 12.31% 12.33% 12.17% 12.34% 13.09% 13.02% 12.68% 11.85% 12.59% 12.30%

e > 12 Bulan (> 12 months) 13.54% 14.48% 11.52% 11.23% 12.13% 14.43% 13.03% 11.73% 12.48% 12.28% 12.19% 12.26%

Pembiayaan (Financing)

1 21.28% 18.16% 21.28% 22.63% 22.00% 20.67% 18.49% 17.16% 20.00% 19.77% 19.63% 18.59%

2 20.96% 23.15% 20.77% 24.02% 23.09% 23.34% 23.28% 22.67% 21.83% 17.35% 16.80% 15.97%

3 17.88% 18.72% 20.30% 20.35% 19.97% 19.76% 19.56% 19.70% 19.93% 19.32% 19.45% 19.22%

4 - - - - - - - - - - - -

5 18.45% 20.01% 7.43% 7.34% 7.22% 7.15% 7.39% 7.68% 7.59% 6.46% 6.90% 7.35%

6 0.84% 0.54% 0.21% 0.22% 0.11% 0.11% 0.11% 0.07% 0.08% 0.13% 0.10% 0.10%

7 - - - - - - - - - - - -

8 - - - - - - - - - - - -

(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )

Tabel 34 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah

Akad iIstishna (Istishna)

Tabungan iB (Saving Deposits)

Akad Murabahah (Murabaha)

Multijasa (Multi Purpose Financing)

Akad Musyarakah (Musharaka)

Akad Salam (Salam)

Akad Qardh (Qardh)

Giro iB (Demand Deposits)

Akad Ijarah (ijara)

Deposito iB (Time Deposits)

Akad Mudharabah (Mudharaba)

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2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 CAR 1) 12.41% 13.73% 10.67% 11.54% 10.51% 10.59% 12.81% 13.87% 12.47% 11.50% 11.17% 10.77%

2 ROA 1.35% 1.55% 2.07% 2.59% 2.32% 2.21% 1.42% 2.44% 2.16% 1.38% 1.48% 1.48%

3 ROE 1) 27.58% 28.45% 40.38% 54.06% 49.39% 45.94% 38.79% 34.14% 29.51% 28.33% 27.52% 25.22%

4 NPF 2.82% 4.75% 4.05% 4.17% 4.23% 4.12% 1.42% 5.14% 4.39% 5.72% 5.54% 4.01%

5 FDR 97.75% 98.90% 99.76% 100.26% 103.18% 112.25% 103.65% 103.33% 100.22% 98.11% 95.49% 89.70%

6 BOPO 78.91% 76.77% 76.54% 76.28% 72.94% 73.60% 81.75% 67.61% 73.56% 84.05% 83.08% 84.39%

1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only)

Rasio (Ratio)

(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)

Tabel 35 . Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah

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Total Aset (Rp) 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

Total Assets (in IDR)

< 1 Mi l iar (< 1 Billion) 11 7 13 10 10 9 7 8 8 8 8 8

1 s .d. 5 Mi l iar (1 up to 5 Billion) 51 57 46 48 49 52 50 44 40 38 38 38

> 5 s .d. 10 Mi l iar (>5 up to 10 Billion) 17 22 24 27 33 30 34 36 40 43 40 40

> 10 Mi l iar (> 10 Billion) 13 19 31 32 32 37 40 45 45 48 52 52

Total 92 105 114 117 124 128 131 133 133 137 139 139

(Number of Islamic Rural Bank based on Total Assets)

Tabel 37. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset

satuan (in unit)

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2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 hari (Overnight) 276 542 355 551 2,295 2,259 1,629 485 879 482 700

2-6 hari (2 up to 6 days) 334 66 206 303 931 450 426 352 354 328 890

7 hari (7 days) 106 304 39 457 107 961 399 765 195 421 129

8-26 hari (8 up to 26 days) 74 193 36 157 329 148 638 778 670 931 682

27-30 hari (27 up to 30 days) - 64 - 40 70 - - 420 420 420 470

>30 hari (> 30 days) 5 - 4 - 100 10 446 9 - - 18

Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

(Volume of Transaction of Interbank Islamic Money Market)

Tabel 38. Volume Transaksi PUAS

Miliar Rupiah (in Bill ion IDR)

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2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Nov-09 Dec-09

1 hari (Overnight) 5.92% 6.59% 6.60% 6.93% 8.65% 9.54% 7.96% 7.20% 6.07% 6.21% 6.01%

2-6 hari (2 up to 6 days) 7.80% 6.58% 6.63% 6.94% 8.76% 9.97% 8.22% 7.25% 6.13% 5.92% 6.13%

7 hari (7 days) 8.18% 6.66% 6.39% 7.26% 8.86% 10.30% 8.04% 7.30% 6.30% 6.12% 6.33%

8-26 hari (8 up to 26 days) 8.60% 6.48% 6.45% 7.23% 9.13% 10.65% 8.37% 7.66% 6.61% 6.73% 6.55%

27-30 hari (27 up to 30 days) - 7.18% - 7.30% 9.25% - - 6.95% 6.48% 6.47% 6.65%

>30 hari (> 30 days) 6.90% - 6.50% - 10.22% 10.75% 8.21% - - - 6.92%

Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

(Weighted Average Rate of Return of IMA Certificate)

Tabel 39. Rata-rata Tingkat Imbalan Sertifikat IMA

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Propinsi (Province) Aset Gross

(Gross Assets)Pembiayaan (Financing)

Dana Pihak Ketiga

(Depositor Funds)FDR NPF

DI Aceh 2,041 849 1,225 69.28% 1.88%

Sumatera Utara 3,824 2,840 2,021 140.53% 7.85%

Sumatera Barat 1,632 833 839 99.28% 1.58%

Sumatera Selatan 1,728 1,052 1,026 102.49% 1.09%

Bangka Belitung 79 37 65 56.66% 0.11%

Jambi 476 411 245 167.63% 2.22%

Bengkulu 247 235 152 154.43% 3.16%

Riau 2,410 1,047 1,128 92.82% 6.99%

Kepulauan Riau 657 401 473 84.74% 11.51%

Lampung 663 515 432 119.30% 1.47%

DKI Jakarta 54,574 21,158 24,297 87.08% 4.89%

Jawa Barat 9,149 4,666 5,923 78.78% 3.21%

Banten 2,096 1,111 1,498 74.16% 2.92%

Jawa Tengah 3,924 2,611 2,241 116.50% 2.55%

DI Yogyakarta 1,703 629 823 76.41% 1.55%

Jawa Timur 5,551 3,519 4,105 85.73% 1.01%

Bali 177 115 159 72.15% 0.54%

Kalimantan Barat 1,080 588 544 108.09% 0.82%

Kalimantan Tengah 87 37 78 47.30% 1.06%

Kalimantan Timur 2,156 1,048 1,374 76.29% 1.65%

Kalimantan Selatan 2,010 847 957 88.50% 1.38%

Sulawesi Utara 162 145 95 153.57% 1.61%

Gorontalo 95 86 85 101.13% 3.60%

Sulawesi Barat 9 7 9 80.12% 0.00%

Sulawesi Tengah 247 163 220 74.39% 2.03%

Sulawesi Tenggara 247 157 210 74.59% 0.97%

Sulawesi Selatan 1,416 1,098 899 122.21% 8.56%

Maluku 51 13 48 27.33% 1.43%

Maluku Utara 80 35 74 47.54% 2.40%

NTB 533 396 299 132.42% 0.86%

NTT 37 33 36 91.55% 0.00%

Irian Jaya Barat 71 62 66 93.32% 3.04%

Papua 243 140 183 76.23% 0.45%

Luar Indonesia 442 3 442 0.57% 0.00%

Tabel. 40. 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)

Miliar Rupiah (in Bill ion IDR)

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Propinsi (Province)Aset (Assets) Pembiayaan (Financing)

Dana Pihak Ketiga

(Depositor Funds)FDR NPF

DI Aceh 54,639 35,587 28,865 123.29% 6.92%

Sumatera Utara 65,572 46,211 45,933 100.61% 4.71%

Sumatera Barat 71,226 56,656 49,529 114.39% 1.73%

Sumatera Selatan 6,172 3,464 3,477 99.61% 2.56%

Bangka Bel i tung 122,326 80,827 91,893 87.96% 4.55%

Jambi - - - - -

Bengkulu 38,672 29,602 20,817 142.20% 3.93%

Riau 38,362 26,862 24,160 111.19% 4.45%

Kepulauan Riau 5,676 4,764 2,263 210.46% 2.51%

Lampung 64,311 45,929 25,329 181.33% 8.56%

DKI Jakarta 13,962 9,716 5,146 188.83% 1.30%

Jawa Barat 625,480 488,936 360,057 135.79% 5.10%

Banten 238,676 193,925 160,071 121.15% 5.67%

Jawa Tengah 159,683 104,775 107,152 97.78% 5.14%

DI Yogyakarta 93,310 60,382 63,053 95.76% 5.17%

Jawa Timur 347,282 277,735 168,088 165.23% 7.81%

Bal i 4,694 3,859 3,763 102.54% 6.89%

Kal imantan Barat - - - - -

Kal imantan Tengah - - - - -

Kal imantan Timur 14,356 10,905 7,060 154.45% 5.70%

Kal imantan Selatan 22,038 13,460 14,171 94.99% 2.65%

Sulawes i Utara - - - - -

Gorontalo - - - - -

Sulawes i Barat - - - - -

Sulawes i Tengah - - - - -

Sulawes i Tenggara - - - - -

Sulawes i Selatan 88,047 63,372 37,042 171.08% 4.10%

Maluku - - - - -

Maluku Utara - - - - -

NTB 50,040 29,243 32,196 90.83% 4.19%

NTT - - - - -

Irian Jaya Barat - - - - -

Papua 1,255 709 542 130.80% 10.82%

Tabel. 41. Total Aset, 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)

Juta Rupiah (in Mill ion IDR)

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Pertanian, kehutanan dan

sarana pertanian Pertambangan Perindustrian Lis trik, gas dan a i r Konstruks i

Perdagangan, restoran dan

hotel

Pengangkutan,

pergudangan dan

komunikas i

Jasa dunia usaha Jasa sos ia l /

masyarakat La in-la in

Agriculture, forestry and

agricultural facilitiesMining Manufacturing

Water, gas and

electricity Construction Trade, restaurants and hotels

Transport, cargo storage and

communicationBusiness Services Social Services Others

DI Aceh 9 0 3 2 79 85 2 143 30 465

Sumatera Utara 450 3 80 8 253 570 27 608 109 679

Sumatera Barat 25 0 6 - 4 165 3 238 52 314

Sumatera Selatan 55 0 2 2 23 197 3 300 33 407

Bangka Bel i tung - - - - - - - 7 20 10

Jambi 38 4 0 - 8 144 0 108 15 87

Bengkulu 61 - - - 3 17 0 84 32 40

Riau 165 - 6 0 60 140 38 307 36 261

Kepulauan Riau 1 0 4 - 3 30 13 141 7 185

Lampung 54 1 5 7 5 140 4 168 18 98

DKI Jakarta 332 826 546 587 2,529 2,192 2,518 6,246 1,098 3,924

Jawa Barat 18 6 126 29 272 377 204 1,602 375 1,485

Banten 3 4 98 0 15 98 0 415 141 299

Jawa Tengah 15 7 462 1 63 547 60 555 131 694

DI Yogyakarta 1 - 15 17 2 159 4 204 36 173

Jawa Timur 72 16 113 16 129 222 5 745 342 1,705

Bal i 0 0 2 0 1 3 - 13 55 34

Kal imantan Barat 4 - 2 - 16 79 122 101 5 232

Kal imantan Tengah 0 - 0 - - 1 - 33 1 2

Kal imantan Timur 8 1 10 - 59 215 28 363 41 282

Kal imantan Selatan 5 126 5 0 23 27 125 238 35 245

Sulawes i Utara 2 - 0 0 1 14 1 117 - 8

Gorontalo - - 2 - 2 22 2 1 50 9

Sulawes i Barat 0 - 0 - - 2 - 2 1 2

Sulawes i Tengah 6 0 3 - 17 8 1 27 4 93

Sulawes i Tenggara - 0 0 - - 8 0 100 - 53

Sulawes i Selatan 2 0 2 - 23 154 4 373 25 505

Maluku - - - - - - - 4 - 10

Maluku Utara - - - - - - - 1 9 26

NTB 1 13 2 0 31 33 0 53 3 238

NTT - - - - 5 - - 11 - 15

Irian Jaya Barat - - 0 - - 23 - 27 1 11

Papua 2 - 0 1 22 47 1 33 2 23

Luar Indonesia - 2 - - - - - - 1 0

Miliar Rupiah (in Bil l ion IDR)

Propinsi (Province)

Tabel. 42. 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)

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Pertanian, kehutanan dan

sarana pertanian Pertambangan Perindustrian Lis trik, gas dan a i r Konstruks i

Perdagangan, restoran dan

hotel

Pengangkutan,

pergudangan dan

komunikas i

Jasa dunia usaha Jasa sos ia l /

masyarakat La in-la in

Agriculture, forestry and

agricultural facilitiesMining Manufacturing

Water, gas and

electricity Construction Trade, restaurants and hotels

Transport, cargo storage and

communicationBusiness Services Social Services Others

DI Aceh 1,619 - 224 5 905 23,668 97 1,858 19 7,190 Sumatera Utara 1,561 - 1,077 158 685 9,692 59 3,592 160 30,440 Sumatera Barat 3,961 183 520 250 3,045 27,847 2,120 4,066 986 13,677 Sumatera Selatan 193 - 303 - - 462 - 164 28 2,314 Bangka Bel i tung 1,447 25 132 329 5,751 40,374 832 18,572 495 12,871 Jambi - - - - - - - - - - Bengkulu 9,329 - 2,559 - 8 8,153 199 354 24 8,981 Riau 689 - 1,250 - 363 3,919 1,254 7,709 408 11,096 Kepulauan Riau 22 - - - - 2,228 230 736 264 1,284 Lampung 1,150 - 529 - 1,302 3,843 11 1,689 238 37,167 DKI Jakarta - - - - - 1,012 - 1,206 - 7,498 Jawa Barat 7,787 106 3,805 164 6,837 119,944 9,033 29,053 8,001 300,796 Banten 336 - 2,043 - 715 80,244 28 46,362 2,355 41,223 Jawa Tengah 7,634 312 1,823 42 19,884 30,186 1,053 8,201 787 33,641 DI Yogyakarta 1,139 - 2,167 47 694 16,191 45 20,925 1,009 42,185 Jawa Timur 15,392 152 2,743 59 913 82,057 482 23,419 842 151,643 Bal i 20 - 252 - - 1,956 8 169 118 1,335 Kal imantan Barat - - - - - - - - - -

Kal imantan Tengah - - - - - - - - - -

Kal imantan Timur 151 - - - - 3,538 - 10 - 7,415

Kal imantan Selatan 1,101 77 20 - - 2,779 1,314 6,147 - 2,024

Sulawes i Utara - - - - - - - - - - Gorontalo - - - - - - - - - - Sulawes i Barat - - - - - - - - - - Sulawes i Tengah - - - - - - - - - - Sulawes i Tenggara - - - - - - - - - - Sulawes i Selatan 98 50 956 - - 8,054 6 803 9 49,526 Maluku - - - - - - - - - - Maluku Utara - - - - - - - - - - NTB 844 93 18 - 3,206 19,629 517 1,645 708 2,581 NTT - - - - - - - - - - Irian Jaya Barat - - - - - - - - - - Papua 15 - - - 3,868 242 - 78 - 374

Juta Rupiah (in Mill ion IDR)

( Financing of Islamic Rural Bank based on Economic Sector and Province)

Propinsi (Province)

Tabel. 43. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi

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Modal Kerja Investasi Konsumsi

Agriculture, forestry and agricultural facilities Mining Manufacturing

DI Aceh 276 76 465

Sumatera Utara 1,332 776 679

Sumatera Barat 395 98 314

Sumatera Selatan 440 175 407

Bangka Bel i tung 8 19 10

Jambi 241 76 87

Bengkulu 185 13 40

Riau 421 332 262

Kepulauan Riau 114 84 187

Lampung 341 61 98

DKI Jakarta 11,621 5,230 3,948

Jawa Barat 2,369 634 1,490

Banten 556 218 300

Jawa Tengah 1,493 349 694

DI Yogyakarta 344 95 173

Jawa Timur 1,227 432 1,705

Bal i 56 19 34

Kal imantan Barat 172 157 232

Kal imantan Tengah 7 28 2

Kal imantan Timur 420 305 282

Kal imantan Selatan 282 302 245

Sulawes i Utara 132 3 8

Gorontalo 64 14 9

Sulawes i Barat 3 1 2

Sulawes i Tengah 52 15 93

Sulawes i Tenggara 108 1 53

Sulawes i Selatan 483 101 505

Maluku 4 - 10

Maluku Utara 6 4 26

NTB 76 61 238

NTT 16 - 15

Irian Jaya Barat 51 - 11

Papua 62 44 23

Luar Indones ia - 3 -

Miliar Rupiah (in Bill ion IDR)

Tabel. 44. 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)

Propinsi (Province)

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Modal Kerja Investasi Konsumsi

Working Capital Investment Consumption

DI Aceh 26,928 3,195 5,464

Sumatera Utara 20,052 1,807 24,352

Sumatera Barat 35,036 9,224 12,396

Sumatera Selatan 1,010 312 2,142

Bangka Bel i tung 70,869 4,067 5,892

Jambi - - -

Bengkulu 21,210 3,828 4,564

Riau 14,379 2,476 10,007

Kepulauan Riau 2,142 1,524 1,097

Lampung 9,609 5,187 31,133

DKI Jakarta 8,792 65 860

Jawa Barat 171,009 72,177 245,749

Banten 119,295 31,086 43,543

Jawa Tengah 50,897 20,773 33,104

DI Yogyakarta 38,643 8,182 13,557

Jawa Timur 122,021 16,086 139,628

Bal i 2,645 397 817

Kal imantan Barat - - -

Kal imantan Tengah - - -

Kal imantan Timur 3,731 70 7,105

Kal imantan Selatan 11,614 - 1,847

Sulawes i Utara - - -

Gorontalo - - -

Sulawes i Barat - - -

Sulawes i Tengah - - -

Sulawes i Tenggara - - -

Sulawes i Selatan 15,960 283 47,129

Maluku - - -

Maluku Utara - - -

NTB 21,429 5,671 2,142

NTT - - -

Irian Jaya Barat - - -

Papua 267 72 370

Propinsi (Province)

Juta Rupiah (in Mill ion IDR)

Tabel. 45 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi

(Financing of Islamic Rural Bank based on Type of Usage and Province)

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Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah

Small and Medium Enterprises Non Small and Medium Enterprises

DI Aceh 646 171

Sumatera Utara 2,072 715

Sumatera Barat 655 152

Sumatera Selatan 556 465

Bangka Bel i tung 1 36

Jambi 399 6

Bengkulu 227 11

Riau 838 176

Kepulauan Riau 307 77

Lampung 431 70

DKI Jakarta 15,791 5,008

Jawa Barat 3,004 1,489

Banten 540 533

Jawa Tengah 2,144 391

DI Yogyakarta 432 180

Jawa Timur 2,791 573

Bal i 85 24

Kal imantan Barat 390 170

Kal imantan Tengah 19 18

Kal imantan Timur 960 47

Kal imantan Selatan 622 208

Sulawes i Utara 120 23

Gorontalo 77 11

Sulawes i Barat 6 -

Sulawes i Tengah 43 117

Sulawes i Tenggara 68 94

Sulawes i Selatan 870 219

Maluku 14 -

Maluku Utara 6 30

NTB 207 168

NTT 26 5

Irian Jaya Barat 23 38

Papua 126 3

Luar Indones ia - 3

Miliar Rupiah (in Bill ion IDR)

Tabel. 46. 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)

Propinsi (Province)

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Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah

Small and Medium Enterprises Non Small and Medium Enterprises

DI Aceh 29,535 6,052

Sumatera Utara 18,268 27,944

Sumatera Barat 42,455 14,201

Sumatera Selatan 747 2,716

Bangka Bel i tung 74,936 5,892

Jambi - -

Bengkulu 21,114 8,488

Riau 8,973 17,889

Kepulauan Riau 3,664 1,099

Lampung 13,111 32,818

DKI Jakarta 8,854 863

Jawa Barat 185,086 303,849

Banten 126,911 67,014

Jawa Tengah 69,906 34,869

DI Yogyakarta 43,258 17,124

Jawa Timur 125,033 152,702

Bal i 3,034 825

Kal imantan Barat - -

Kal imantan Tengah - -

Kal imantan Timur 3,731 7,174

Kal imantan Selatan 11,609 1,851

Sulawes i Utara - -

Gorontalo - -

Sulawes i Barat - -

Sulawes i Tengah - -

Sulawes i Tenggara - -

Sulawes i Selatan 15,545 47,826

Maluku - -

Maluku Utara - -

NTB 26,971 2,271

NTT - -

Irian Jaya Barat - -

Papua 335 374

Propinsi (Province)

Juta Rupiah (in Mill ion IDR)

Tabel. 47 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi

(Financing of Islamic Rural Bank based on Type of Financing and Province)

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-

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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)

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-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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)

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0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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

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0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

140.00%

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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

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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)

Desember 2009 (December 2009)

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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)

Desember 2009 (December 2009)

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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)

Desember 2009 (December 2009)

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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)

Desember 2009 (December 2009)

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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

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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)

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0%

2%

4%

6%

8%

10%

12%

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

Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09

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)