2010 Perbankan Syariah Statistics Sept

Statistik Perbankan Syariah
(Islamic Banking Statistics)
i
The Islamic Banking Statistics is a
Statistik Perbankan Syariah (SPS)
media publication that provides information
merupakan media publikasi yang menyediakan
regarding the Islamic Banking Industry in
informasi mengenai data perbankan syariah di
Indonesia. This monthly publication is
Indonesia. Statistik ini diterbitkan setiap bulan
published by the Directorate of Islamic Banking,
oleh Direktorat Perbankan Syariah - Bank
Bank Indonesia, to accomodate the needs of
Indonesia dan disusun untuk memenuhi
the stakeholders.
kebutuhan intern Bank Indonesia dan
In order to get a better understanding
kebutuhan pihak ekstern mengenai kegiatan
about the data presented in this publication,
perbankan syariah beserta perkembangannya.
we suggest that the readers go through the
Guna memberikan pemahaman yang
clarification, abbreviations and glossary.
tepat terhadap data yang disajikan, kami
We hope that this publication gives
sarankan agar pembaca terlebih dahulu
benefit to our readers.
memahami penjelasan, singkatan serta daftar
For questions or suggestions, kindly send email
istilah yang ada.
to: TimInformasiPerbankanSyariah@bi.go.id
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:
Directorate of Islamic Banking
TimInformasiPerbankanSyariah@bi.go.id
BANK INDONESIA
Direktorat Perbankan Syariah

BANK INDONESIA
i i
Statistik Perbankan Syariah (Islamic Banking Statistics), September 2010
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
ii
page
Tab. 19 Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing
Composition of Islamic Rural Bank) ................................................................................. 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
iii
Page
Tab. 39 Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural
Bank)................................................................................................................................. 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 49
Business Unit based on Type of Financing and Province)..................................................
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
iv
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
v
1. Data yang digunakan dalam SPS bersumber 1. The data presented in the Islamic Banking
dari Laporan Bulanan Bank Umum Syariah Statistics is derived from the Islamic Bank and
(LBUS) dan Laporan Bulanan Bank Islamic Rural Bank Monthly Reports unless
Pembiayaan Rakyat Syariah (LapBul BPRS) mentioned otherwise.
kecuali dinyatakan lain. 2. Non Performing Financing data is shown as
2. Data Non Performing yang ditampilkan the gross non performing financing that is
merupakan Non Performing gross yaitu tanpa without taking into account the reserve
memperhitungkan penyisihan yang dibentuk formed in anticipation of the risk of losses.
untuk mengantisipasi risiko kerugian. 3. Data downloading process.
3. Proses download data. Data of the Islamic Bank and Islamic Rural
Data LBUS dan LapBul BPRS yang disampaikan Bank Monthly Report is submitted by
bank pelapor kepada Bank Indonesia diproses reporting banks to Bank Indonesia and is
pada server web LBUS dan LapBul BPRS. processed on the web server. The difference
Perbedaan waktu proses data LBUS dan in the processing time may result in variations
LapBul BPRS dapat menyebabkan perbedaan of the data published in this Islamic Banking
antara data yang dipublikasikan dalam SPS Statistics compared to other published data.
dengan publikasi yang lain. Oleh karena itu Therefore, readers are recommended to take
pembaca dihimbau memperhatikan waktu notice of the data processing time. The data
proses data. Pemrosesan data SPS bulan processing time of the September 2010
September 2010 dilakukan pada tanggal 22 Islamic Banking Statistics is on October 22,
Oktober 2010. 2010.
4. Publikasi buku Statistik Perbankan Syariah 4. The Islamic Banking Statistics can be viewed
dapat dilihat melalui website Bank Indonesia on Bank Indonesia website www.bi.go.id.
www.bi.go.id.
vi
DAFTAR SINGKATAN ABBREVIATIONS

UUS : Islamic Business Unit of a
Conventional Bank
UUS : Unit Usaha Syariah
BUS : Islamic Commercial Bank
BUS : Bank Umum Syariah
BPRS : Islamic Rural Bank
BPRS : Bank Pembiayaan Rakyat Syariah
PT : Limited Liabilities Company
PT : Perseroan Terbatas
BPD : Regional Government Bank
BPD : Bank Pembangunan Daerah
SWBI : Wadiah Islamic Certificate of Bank
SWBI : Sertifikat Wadiah Bank Indonesia
Indonesia
SBIS : Sertifikat Bank Indonesia Syariah SBIS Islamic Certificate of Bank
:
UKM : Usaha Kecil dan Menengah Indonesia
PPAP : Penyisihan Penghapusan Aktiva UKM : Small and Medium Scale Enterprise
Produktif PPAP : Allowances for Earning Assets
PUAS : Pasar Uang Antar Bank berdasarkan Losses
prinsip Syariah PUAS : Interbank Islamic Money Market
FDR : Financing to Deposit Ratio, yaitu FDR Financing to Deposit Ratio
:
rasio pembiayaan terhadap dana
NPF : Non Performing Financing
pihak ketiga
ROA : Return on Assets, that is the ratio of
NPF : Non Performing Financing, yaitu
annualized earnings before taxes to
rasio pembiayaan bermasalah
average assets
terhadap total pembiayan
ROE : Return on Equity, that is the ratio of
ROA : Return on Assets, yaitu rasio laba
annualized earnings after taxes to
sebelum pajak (disetahunkan)
average equity
terhadap total asset rata-rata
BOPO : The ratio of Operational Expenses
ROE : Return on Equity, yaitu rasio laba
to Operational Revenue
setelah pajak (disetahunkan)
DPK : Depositor Funds
terhadap total modal rata-rata
PYD : Financing
BOPO : Rasio Biaya Operasional terhadap
IDR : Indonesian Rupiah
Pendapatan Operasional
DPK : Dana Pihak Ketiga
PYD : Pembiayaan yang Diberikan
vii
DAFTAR ISTILAH
GLOSARY
Akad Wadiah : Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana
Wadiah Contract 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 : Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul
Mudharaba Contract 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 : Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik
Musharaka Contract 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 : Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar
Murabaha Contract 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.
viii
Akad Salam : Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara
Salam Contract 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.
Akad Istishna’ : Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk
Istishna’ Contract 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.
Akad Ijarah
Ijara Contract 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.
Akad Qardh Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa
Qardh Contract 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.
Ekuivalen tingkat imbalan/ Indikasi tingkat imbalan dari suatu penanaman dana atau
bagi hasil/fee/bonus penghimpunan dana bank pelapor.
Equivalent rate of Indicative rate of return from Placement of Funds or Source of Funds of
return/profit the reporting bank.
sharing/fee/bonus
ix
Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)
2009 2010
2005 2006 2007 2008 2009
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Bank Umum Syariah (Islamic Commercial Bank)
- Jumlah Bank (Number of Banks) 3 3 3 5 6 5 6 6 6 6 7 8 9 10 10 10 10 10
- Jumlah Kantor (Number of Offices) 304 349 401 581 711 660 688 701 711 820 852 934 918 970 1,058 1,113 1,111 1,151
Unit Usaha Syariah (Islamic Business Unit) -
Jumlah Bank Umum Konvensional yang

- memiliki UUS (Number of Conventional 19 20 26 27 25 24 25 25 25 25 25 25 25 24 23 23 23 23
Banks that have Islamic Business Unit)
- Jumlah Kantor (Number of Offices) 154 183 196 241 287 264 275 286 287 288 294 299 312 298 244 251 236 237
Bank Pembiayaan Rakyat Syariah (Islamic Rural
-
Bank)
- Jumlah Bank (Number of Banks) 92 105 114 131 138 254 263 257 138 140 142 143 144 144 145 146 146 146
- Jumlah Kantor (Number of Offices) 92 105 185 202 225 220 223 224 225 262 265 266 271 271 275 276 277 278
Total Kantor (Total Number of Offices) 550 637 782 1,024 1,223 1,144 1,186 1,211 1,223 1,370 1,411 1,499 1,501 1,539 1,577 1,640 1,624 1,666
1
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
No Kelompok Bank KP/UUS KPO/KC KCP/UPS KK
(Group of Banks) HO/IBU HOO/BO SBO/SSU CO
Bank Umum Syariah
10 293 651 197
Islamic Commercial Bank
1 PT Ba nk Sya ri a h Mua ma l a t Indones i a 1 75 49 102
2 PT Ba nk Sya ri a h Ma ndi ri 1 94 167 85
3 PT Ba nk Sya ri a h Mega Indones i a 1 34 329 5
4 PT Ba nk Sya ri a h BRI 1 34 40 2
5 PT Ba nk Sya ri a h Bukopi n 1 8 5 -
6 PT Ba nk Pa ni n Sya ri a h 1 4 - -
7 PT Ba nk Vi ctori a Sya ri a h 1 6 2 -
8 PT BCA Sya ri a h 1 5 3 3
9 PT Ba nk Ja ba r da n Ba nten 1 6 28 -
10 PT Ba nk Sya ri a h BNI 1 27 28 -
Unit Usaha Syariah
23 102 67 45
Islamic Business Unit
11 PT Ba nk Da na mon 1 8 3 -
12 PT Ba nk Perma ta 1 10 12 -
13 PT Ba nk Interna s i ona l Indones i a (BII) 1 5 - -
14 PT CIMB Ni a ga 1 21 5 -
15 HSBC, Ltd. 1 5 - -
16 PT Ba nk DKI 1 2 - -
17 BPD DIY 1 1 - -
18 BPD Ja wa Tenga h (Ja teng) 1 2 - 1
19 BPD Ja wa Ti mur (Ja ti m) 1 1 - 37
20 BPD Ba nda Aceh 1 2 9 -
21 BPD Suma tera Uta ra (Sumut) 1 3 1 -
22 BPD Suma tera Ba ra t (Sumba r) 1 2 2 1
23 BPD Ri a u 1 2 3 1
24 BPD Suma tera Sel a ta n (Sums el ) 1 3 - 2
25 BPD Ka l i ma nta n Sel a ta n (Ka l s el ) 1 2 - -
26 BPD Ka l i ma nta n Ba ra t (Ka l ba r) 1 1 - -
27 BPD Ka l i ma nta n Ti mur (Ka l ti m) 1 2 7 2
28 BPD Sul a wes i Sel a ta n (Sul s el ) 1 3 1 -
29 BPD Nus a Tengga ra Ba ra t (NTB) 1 1 - -
30 PT BTN 1 20 3 -
31 PT Ba nk Ta bunga n Pens i una n Na s i ona l (BTPN) 1 2 21 -
32 PT OCBC NISP 1 3 - -
33 PT Ba nk Si na rma s 1 1 - 1
Bank Pembiayaan Rakyat Syariah
146 23 0 109
Islamic Rural Bank
TOTAL 179 418 718 351
Keterangan: No te:
- KP = Kanto r P usat - HO = Head Office
- UUS = Unit Usaha Syariah - IB U = Islamic B anking Unit
- KP O = Kanto r P usat Operasio nal - HOO = Head Operatio nal Office
- KC = Kanto r Cabang - B O = B ranch Office
- KCP /UP S = Kanto r Cabang P embantu/ Unit P elayanan Syariah - SB O/SSU = Sub B ranch Office/Syari’ a Services Unit
- KK = Kanto r Kas - CO = Cash Office
- Tidak termasuk Layanan Syariah - No t Include Office Channeling
2
Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

(Number of Islamic Rural Bank based on Location)
2009 2010
Provinsi (Province) 2005 2006 2007 2008 2009
1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 27 27 27 27 27 27
2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8
3 DKI Jakarta 0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2
4 D.I. Yogyakarta 2 3 6 9 9 9 9 9 9 9 10 10 10 10 10 10 10 10
5 Jawa Tengah 8 11 13 15 19 18 19 19 19 19 19 19 19 19 20 20 20 20
6 Jawa Timur 12 17 19 23 25 25 25 25 25 25 26 26 27 27 27 27 27 27
7 Bengkulu 2 2 2 2 2 2 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 0 0 0 0 0 0
9 Nanggroe Aceh Darussalam 5 5 5 6 7 7 7 7 7 8 8 9 9 9 9 10 10 10
10 Sumatera Utara 6 6 7 7 7 7 7 7 7 8 8 8 8 8 8 8 8 8
11 Sumatera Barat 3 4 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6
12 Riau 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4
13 Sumatera Selatan 1 1 1 1 1 1 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 1 1 1 1 1 1
15 Kepulauan Riau 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
16 Lampung 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
17 Kalimantan Selatan 1 1 1 1 1 1 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 0 0 0 0 0 0
19 Kalimantan Timur 1 1 1 1 1 1 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 0 0 0 0 0 0
21 Sulawesi Tengah 0 0 0 0 0 0 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 7 7 7 7 7 7
23 Sulawesi Utara 0 0 0 0 0 0 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 0 0 0 0 0 0
25 Sulawesi Barat 0 0 0 0 0 0 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 0 0 0 0 0 0
27 Nusa Tenggara Barat 2 3 3 3 3 3 3 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 1 1 1 1 1 1
29 Nusa Tenggara Timur 0 0 0 0 0 0 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 0 0 0 0 0 0
31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
32 Irian Jaya Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 92 105 114 131 138 137 138 138 138 140 142 143 144 144 145 146 146 146
3
Tabel 4. Layanan Syariah (Office Channeling)
2009 2010
2005 2006 2007 2008 2009
1 UUS Bank Danamon 0 7 70 70 80 137 137 137 137 137 137 137 137 137 137 137 137 137
2 UUS Bank Permata 0 212 184 186 192 192 192 192 192 192 192 192 192 192 192 192 192 192
3 UUS BII 0 4 8 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
4 UUS Bank Tabungan Negara 0 27 36 64 116 98 107 116 116 116 116 116 116 116 116 116 116 116
5 UUS CIMB Niaga 0 43 63 143 505 441 481 505 505 507 500 500 500 522 522 522 522 522
6 UUS BTPN 0 0 0 8 12 12 12 12 12 12 12 12 12 12 12 12 12 12
7 UUS HSBC 0 0 7 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10
8 UUS BPD DKI 0 10 21 33 34 34 34 34 34 34 34 34 34 34 34 34 34 34
9 UUS BPD Banda Aceh 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 UUS BPD Sumut 0 0 63 76 84 84 84 84 84 84 84 84 84 84 84 84 84 84
11 UUS BPD Riau 0 0 8 33 37 33 37 37 37 37 37 37 37 37 37 37 37 37
12 UUS BPD Sumbar 0 0 - 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
13 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41
14 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 UUS BPD Jatim 0 0 0 0 37 2 2 2 37 37 37 37 37 37 37 37 37 37
17 UUS BPD Kalsel 0 0 10 10 15 15 15 15 15 15 15 15 15 15 15 15 15 15
18 UUS BPD Kalbar 0 0 0 1 5 1 3 5 5 5 5 5 5 5 5 5 5 5
19 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10
20 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 UUS BPD Nusa Tenggara Barat 0 0 1 10 11 11 11 11 11 11 11 11 11 11 11 11 11 11
22 UUS OCBC NISP 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 UUS Bank Sinarmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 UUS BNI 0 136 636 640 641 641 641 641 641 641 641 641 641 641
25 UUS BPD Jabar dan Banten 0 9 9 28 28 28 28 28 28 28 28 28 28
26 UUS BEI 0 0 0 0
27 UUS Bukopin 0 7 27 29
28 UUS IFI 0 1 1 1
29 UUS BRI 0 0 0 0
30 UUS Lippo 0 0 0
4
Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)
2009 2010
2005 2006 2007 2008 2009
Bank Umum Syariah (Islamic Commercial Bank) 3,523 3,913 4,311 6,609 10,348 9,275 9,587 9,880 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828
Unit Usaha Syariah (Islamic Business Unit) 1,436 1,797 2,266 2,562 2,296 2,179 2,232 2,250 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752
Bank Pembiayaan Rakyat Syariah (Islamic Rural
1,037 1,666 2,108 2,581 2,799 2,694 2,803 2,763 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068
Bank)
5
Miliar Rupiah (in Billion IDR )
Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)
2009 2010
2005 2006 2007 2008 2009
1 Kas (Cash) 226 346 488 759 1,017 1,158 804 869 1,017 996 941 975 935 1,046 1,161 1,199 1,405 1,803
2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 5,189 10,393 6,545 7,676 7,888 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852
3 Penempatan pada Bank Lain (Placement in Other Bank) 1,058 991 1,667 1,978 3,036 2,262 2,391 2,512 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609
4 Surat Berharga yang Dimiliki (Investment in Securities) 730 829 1,388 2,683 3,786 2,744 2,852 3,644 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975
5 Pembiayaan (Financing) 15,270 20,445 27,944 38,199 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970
6 Tagihan Lainnya (Billing and Acceptable Liabilities) 21 15 182 136 171 219 184 215 171 173 208 187 213 185 229 263 251 460
7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 2 31 9 32 24 24 25 25 24 24 24 28 30 13 13 14 14 14
8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 1,148 1,649 1,802 1,800 1,646 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226
9 Penyertaan (Investment in other entities) 6 6 41 79 83 83 83 83 83 83 83 83 83 88 88 88 88 88
10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 436 672 568 598 601 672 675 677 683 712 737 748 774 783 790
11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 24,882 33,853 27,708 28,703 30,542 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969
12 Rupa-rupa Aktiva (Other assets) 495 621 743 1,200 1,623 1,290 1,296 1,382 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118
TOTAL AKTIVA* 20,880 26,722 36,538 49,555 66,090 58,034 59,679 61,359 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454
PASIVA
1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 36,852 52,271 45,381 46,500 47,887 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912
2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) 32 32 32 68 6 6 6 6 6 6 6 5 5 5 5 4 4 4
3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 980 874 1,951 2,419 3,717 2,611 3,006 3,322 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765
4 Surat Berharga yang Diterbitkan (Securities) 265 268 350 311 340 360 340 340 340 340 340 395 340 340 340 340 340 340
5 Pinjaman Diterima (Received Borrowing) 204 181 155 150 512 551 550 523 512 512 512 506 308 307 299 298 298 290
6 Kewajiban lainnya (Other Liabilities) 210 285 473 727 845 739 729 767 845 819 960 983 1,072 960 1,020 1,033 929 989
7 Pinjaman Subordinasi (Subordinated Loan) - - - - 50 - - - 50 50 50 50 50 50 50 50 50 50
8 Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 30,283 37,601 31,699 32,821 34,819 37,601 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789
9 Rupa-rupa Pasiva (Other Liabilities) 185 218 260 463 582 481 522 520 582 618 669 713 614 592 636 686 687 758
10 Modal disetor (Paid-in capital) 951 991 1,017 1,752 1,946 1,801 1,801 1,801 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092
11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 466 468 466 466 466 468 135 135 135 689 689 689 1,073 1,073 573
12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - 13 - - - - - 3 3 3 3 3 8 9 14 19
13 Cadangan (Reserves) 230 268 275 335 449 449 449 449 449 449 449 449 465 439 434 464 464 464
a. Cadangan Umum (General Reserves) 230 268 275 335 449 449 449 449 449 449 449 449 465 439 434 464 464 464
b. Cadangan Tujuan (Special Purpose Reserves) - - - - - - - - - - - - - - - - - -
14 Laba (Net Income) -
a. Tahun-tahun lalu (Previous years) (76) 27 149 152 315 308 308 308 315 959 959 907 824 753 733 527 527 527
b. Tahun berjalan (Current year) 238 355 540 432 791 469 558 634 791 83 179 328 425 301 506 604 680 852
TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 58,034 59,679 61,359 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454
* Net
6
Juta Rupiah (in Million IDR)

Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)
2009 2010
2005 2006 2007 2008 2009
1 Kas (Cash) 11,723 19,341 25,090 25,150 28,938 34,893 30,808 35,673 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047
2 Penempatan pada Bank Lain (Placement in Other Bank) 102,597 185,208 232,589 334,050 407,663 306,952 337,476 338,007 407,663 415,102 380,181 369,360 364,523 356,863 354,453 377,388 323,802 392,204
3 Pembiayaan (Financing) 417,282 615,469 890,709 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
4 Tagihan Lainnya (Billing and Acceptable Liabilities) - - - - - - - - - - - - - - - - - -
5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15,119 - - (464) 350 37 350 350 350 350 350 350 350 350 350 350 313 313
6 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 35,339 32,413 31,617 32,385 32,887 32,413 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,361
7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 40,499 46,595 42,933 44,908 45,501 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,112
8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 62,327 73,461 73,845 74,328 76,970 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,833
TOTAL AKTIVA* 585,467 896,017 1,215,916 1,693,332 2,123,581 1,962,225 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,092
PASIVA
1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 975,815 1,250,603 1,158,034 1,201,652 1,228,468 1,250,603 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768
2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97,561 175,803 271,481 353,068 315,112 313,243 317,435 353,068 348,109 350,059 377,113 391,543 404,192 441,299 467,608 464,200 489,733
3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 68,268 56,744 65,340 59,942 55,001 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385
4 Kewajiban lainnya (Other Liabilities) 8,992 8,808 10,912 19,545 18,419 14,184 14,145 13,758 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,282
5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 353 3 3 3 353 453 803 903 903 253 350 350 350 350
6 Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 35,861 33,351 31,957 31,085 33,470 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,769
7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 262,843 272,395 285,153 294,942 293,259 296,323 294,904 298,964 310,589 315,472 329,211 327,137 333,146
8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 54,605 41,929 53,510 53,918 44,967 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,292
9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) - - - - - - - - - - - - - - - - - -
10 Cadangan (Reserves) 9,345 16,833 20,684 28,338 36,817 36,439 36,650 36,799 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,209
a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 16,638 22,582 22,219 22,410 22,587 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,947
b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 11,699 14,235 14,220 14,240 14,211 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,262
11 Laba (Net Income) -
a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) (14,501) (22,111) (21,279) (21,346) (21,736) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414)
b. Tahun berjalan (Current year) 16,499 20,966 27,064 29,787 54,599 41,358 47,561 53,345 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635
TOTAL PASIVA* 585,467 896,017 1,215,916 1,693,332 1,962,225 1,962,225 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,092
* Net
7
Miliar Rupiah (in Billion IDR)
Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )
2009 2010
2005 2006 2007 2008 2009
A. Pendapatan (Revenue)
1 Pendapatan Operasional (Operating Revenue) 2,177 3,085 3,795 5,093 6,620 4,759 5,366 5,957 6,620 631 1,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143
2 Pendapatan Operasional Lainnya (Other operating Revenue) 194 288 406 632 1,551 893 1,003 1,106 1,551 234 225 330 452 526 585 660 756 844
3 Pendapatan non operasional (Non operating Revenue) 565 838 1,260 2,061 3,500 2,502 2,821 3,159 3,500 308 609 951 1,296 1,608 2,077 2,341 2,734 3,131
Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted
4 925 1,306 1,468 1,938 2,697 1,970 2,209 2,448 2,697 253 484 745 1,002 1,249 1,411 1,687 1,967 2,271
Investment) -/-
Total pendapatan (Total Revenue) 2,012 2,905 3,993 5,848 8,975 6,183 6,981 7,773 8,975 920 1,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847
B. Beban (Expenses) 0
1 Beban operasional (Operating Expenses) 939 1,324 1,774 2,603 3,135 2,263 2,506 2,807 3,135 466 662 955 1,305 1,832 1,895 2,268 2,664 3,059
2 Beban operasional lainnya (Other Operating Expenses) 202 263 317 492 1,485 831 959 1,027 1,485 53 124 206 282 350 417 491 584 671
3 Beban non operasional (Non Operating Expenses) 573 904 1,273 2,147 3,523 2,531 2,854 3,188 3,523 308 610 951 1,295 1,609 2,076 2,344 2,741 3,142
Total Beban (Total Expenses) 1,714 2,491 3,365 5,242 8,143 5,625 6,319 7,022 8,143 827 1,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872
C. Laba tahun berjalan (Income) 298 414 628 605 832 558 663 751 832 93 199 361 471 361 580 696 786 975
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) 16 25 33 78 (73) 0 0 0 (73) 0 0 0 0 0 0 0 2 2
E. Laba tahun berjalan sebelum pajak (Net Income before Tax) 282 389 595 528 904 558 663 751 904 93 199 361 471 361 580 695 784 973
F. Taksiran pajak penghasilan (Tax Expense) -/- 44 34 55 92 135 90 105 118 135 10 20 33 46 60 74 92 108 125
G. Laba setelah taksiran pajak penghasilan (Net Income) 238 355 540 432 791 469 558 634 791 83 179 328 425 301 506 604 680 852
8
Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )
2009 2010
2005 2006 2007 2008 2009
A. Pendapatan (Revenue)
1 Pendapatan Operasional (Operating Revenue) 97,275 154,633 203,063 293,964 382,183 275,332 308,403 342,616 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965
2 Pendapatan Operasional Lainnya (Other operating Revenue) 9,629 15,945 22,927 32,883 43,074 29,801 33,482 37,955 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972
3 Pendapatan non operasional (Non operating Revenue) 1,249 3,676 6,159 6,714 8,085 5,635 6,255 6,892 8,085 376 721 1,237 1,732 2,335 2,981 3,583 4,117 5,300
Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted
4 33,430 49,949 77,246 108,154 138,769 100,230 112,361 125,618 138,769 12,991 26,052 39,794 54,246 69,208 84,076 99,240 113,894 130,010
Investment) -/-
Total pendapatan (Total Revenue) 88,894 142,364 186,295 267,795 347,193 251,167 281,176 311,553 347,193 30,165 61,981 94,854 129,179 165,762 201,396 239,196 271,987 315,293
B. Beban (Expenses) 0
1 Beban operasional (Operating Expenses) 49,378 82,315 105,458 162,045 194,209 139,589 155,161 172,237 194,209 15,926 34,023 51,838 68,801 87,964 106,966 128,157 148,417 172,254
2 Beban operasional lainnya (Other Operating Expenses) 2,518 10,217 8,455 14,767 24,593 16,408 18,278 19,752 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588
3 Beban non operasional (Non Operating Expenses) 1,378 3,310 6,797 8,214 8,565 5,732 6,331 6,951 8,565 765 1,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956
Total Beban (Total Expenses) 53,274 95,842 120,709 185,027 227,368 161,729 179,770 198,940 227,368 18,556 40,371 61,244 80,598 103,651 125,482 150,567 174,196 200,799
C. Laba tahun berjalan (Income) 21,449 27,407 34,193 40,381 67,000 49,163 56,009 62,545 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) 180 300 372 626 967 513 562 685 967 78 187 191 268 338 405 509 606 664
E. Laba tahun berjalan sebelum pajak (Net Income before Tax) 21,269 27,107 33,821 39,755 66,033 48,650 55,447 61,860 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755
F. Taksiran pajak penghasilan (Tax Expense) -/- 4,770 6,224 7,013 9,976 11,495 6,939 7,886 8,898 11,495 874 1,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128
G. Laba setelah taksiran pajak penghasilan (Net Income) 16,499 20,883 26,809 29,787 54,562 41,358 47,561 53,345 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635
9
Tabel 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)
2009 2010
2005 2006 2007 2008 2009
1 Biaya promosi (Cost of promotion) 67 90 135 180 154 92 106 121 154 9 16 25 39 54 65 83 106 131
2 Biaya pendidikan dan pelatihan (Cost of education and training) 20 19 19 32 45 28 31 34 45 4 7 12 17 22 29 37 41 45
Total 87 109 153 212 200 119 137 155 200 12 23 37 56 75 93 120 147 176
10
Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah
(Cost of Promotion, Education and Training - Islamic Rural Bank)
2009 2010
2005 2006 2007 2008 2009
1 Biaya promosi (Cost of promotion) 826 1,300 2,284 4,178 4,826 3,273 3,664 4,184 4,826 269 629 949 1,390 1,844 2,353 2,877 3,474 4,224
2 Biaya pendidikan dan pelatihan (Cost of education and training) 686 1,649 1,889 2,727 3,622 2,195 2,523 3,026 3,622 382 675 993 1,357 1,713 2,255 2,688 2,976 3,383
Total 1,512 2,949 4,173 6,905 8,448 5,468 6,188 7,210 8,448 651 1,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607
11

Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah
(Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit)
2009 2010
2005 2006 2007 2008 2009
Tagihan Komitmen (Claim comintment )

Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) - - - - - - - - - - - - - - - - - -
Posisi pembelian spot yang masih berjalan (Spot purchases) 2 1 17 - - - - - - 3 - - - - 2 - - -
Posisi pembelian forward yang masih berjalan (Forward purchases) - - - - - - - - - - - - - - - - - -
Lainnya (others) - 2 1 91 45 35 45 46 45 83 175 176 164 168 64 52 36 37
Kewajiban Komitmen (Liabilities commitment ) -
Fasilitas piutang qardh yang belum ditarik (Qardh facililies that are not yet
1 1 2 14 5 10 14 12 5 8 2 6 11 9 9 11 10 7
withdrawn)
Fasilitas pembiayaan kepada nasabah yang belum ditarik (Financing facililies
246 444 613 1,612 1,502 1,522 1,704 1,600 1,502 1,818 1,909 1,996 2,262 2,014 2,126 2,189 2,499 2,641
that are not yet withdrawn)
Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank
7 0 4 8 15 11 12 12 15 12 12 12 29 29 27 14 42 45
financing facilities)
Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) 33 167 66 141 146 167 123 199 146 169 244 243 230 96 123 87 175 175
Posisi penjualan spot yang masih berjalan (Spot sales) 2 4 - - - - - - - - - - - - - - - -
Posisi penjualan forward yang masih berjalan (Forward sales) - - - - - - - - - - - - - - - - - -
Lainnya (others) 0 32 0 33 6 5 14 13 6 13 12 11 7 5 10 4 4 5
Tagihan Komitmen (Claim Contingency) -
Garansi (Kafalah) yang diterima (Kafalah guarantees received) 0 0 10 0 3 2 2 2 3 1 3 3 3 3 3 2 2 2
Pendapatan yang akan diterima (Income will be received) 16 33 53 22,588 82 256,293 73,979 127,914 82 61 70 81 80 96 84 81 80 131,012
Lainnya (Others) 14 1 1 78 1 316 320 361 1 0 1 0 0 0 0 0 3 6
Kewajiban Komimen (Liabilities Contingency) -
Garansi (Kafalah) yang diberikan (Guarantees issued) 151 223 390 838 968 948 922 979 968 1,038 947 926 979 879 926 909 937 945
Lainnya (Others) 2 2 3 - 2 0 1 3 2 2 1 1 1 1 1 0 0 0
Lainnya (Others) -
Aktiva produktif yang dihapusbuku (Written off earning assets) 116 208 336 648 1,684 1,250 1,297 1,371 1,684 1,363 1,359 1,353 1,427 1,461 1,476 1,698 1,649 1,652
Penerusan dana mudharabah muqayyadah (Channeling of mudharabh
194 316 362 429 349 346 349 349 349 347 350 351 349 351 357 362 365 369
muqayaydah)
12

Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah
(Off Balance Sheet Account - Islamic Rural Bank)
2009 2010
2005 2006 2007 2008 2009
Tagihan Komitmen (Claim comintment )

Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) 512 4,789 1,945 29,607 12,013 8,014 18,934 16,994 12,013 13,849 24,095 16,026 7,403 7,372 25,827 23,953 26,471 24,271
Lainnya (others) - 843 2,478 4 2 33 33 2 2 2 3,947 2 2 2 2 2 2 2
Kewajiban Komitmen (Liabilities commitment) -
Fasilitas pembiayaan kepada nasabah yang belum ditarik (financing facililies
6,246 4,395 6,420 5,770 6,617 6,922 6,600 6,905 6,617 6,726 5,739 7,114 7,141 7,277 7,298 7,644 7,569 6,439
that are not yet withdrawn)
Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank
- - - - - - - - - - - - - - - - 390 -
financing facilities)
Lainnya (others) 202 9 - 22
44 710 161 161 44 9 9 44 44 44 9 9,368 9 9
Tagihan Komitmen (Claim Contingency) -
Garansi (Kafalah) yang diterima (Kafalah guarantees received) - - - - - - - - - - - - - - - - - -
Pendapatan yang akan diterima (Income will be received) 4,784 43,072 9,140 12,151 17,467 18,792 18,754 88,959 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 17,606
Lainnya (Others) 2,550 1,450 1,136 1,165 5,517 402 359 550 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 2,438
Aktiva produktif yang dihapusbuku (Written off earning assets) 7,489 12,231 12,773 19,126 31,847 29,458 29,276 29,701 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288 33,742
Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah) 16,883 36,471 33,336 52,640 66,947 62,624 53,920 67,628 66,947 60,703 50,285 59,491 58,970 60,179 59,038 62,596 66,112 61,383
13
Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah
(Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)
2009 2010
2005 2006 2007 2008 2009
1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia ) 2,048 3,416 3,750 4,238 6,202 5,492 5,355 5,752 6,202 6,041 6,587 5,881 5,965 6,054 10,038 10,338 7,291 7,407
2 Tabungan iB (iB Saving Deposits) 4,367 6,430 9,454 12,471 16,475 14,578 14,759 15,079 16,475 16,362 16,341 16,688 16,863 17,428 18,351 18,449 18,521 19,461
a Akad Wadiah (Wadia) 183 332 645 958 1,538 1,268 1,340 1,568 1,538 1,553 1,598 1,886 1,986 2,322 2,547 2,418 2,504 2,658
b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 11,513 14,937 13,310 13,418 13,511 14,937 14,809 14,742 14,802 14,877 15,106 15,804 16,031 16,018 16,803
3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba) 9,169 10,826 14,807 20,143 29,595 25,311 26,386 27,056 29,595 30,760 30,371 30,243 31,215 31,584 29,689 31,675 35,159 37,044
a 1 Bulan (1 month) 3,835 5,234 9,309 14,325 19,794 15,930 16,685 17,384 19,794 20,748 20,054 20,226 21,212 21,546 19,597 21,365 24,478 26,171
b 3 Bulan (3 months) 2,228 1,973 1,406 1,919 4,544 3,803 4,083 4,252 4,544 4,942 5,124 5,073 4,803 5,081 4,832 5,140 5,153 5,473
c 6 Bulan (6 months) 1,480 1,231 1,296 1,827 1,758 1,708 1,784 1,844 1,758 1,796 1,946 1,937 1,939 1,963 2,101 2,118 2,262 2,160
d 12 Bulan (12 months) 1,625 2,143 2,787 2,066 3,497 3,868 3,832 3,574 3,497 3,272 3,246 3,007 3,260 2,987 3,154 3,052 3,265 3,240
e > 12 Bulan (> 12 months) 1 245 9 6 1 1 1 1 1 1 0 0 0 6 6 1 1 1
Total 15,584 20,672 28,012 36,852 52,271 45,381 46,500 47,887 52,271 53,163 53,299 52,811 54,043 55,067 58,079 60,462 60,972 63,912
14
Juta Rupiah ( in Million IDR )
Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah
(Depositor Funds Composition of Islamic Rural Bank)
2009 2010
2005 2006 2007 2008 2009
1 Giro iB - Akad Wadiah (iB Demand Deposits - Wadia ) - - - - - - - - - - - - - - - - - -
2 Tabungan iB (iB Saving Deposits) 160,906 231,440 296,890 441,291 492,682 492,682 505,760 512,945 553,397 558,179 565,741 560,770 569,195 586,408 572,926 590,065 556,908 596,875
a Akad Wadiah (Wadia) 48,600 73,634 86,708 161,450 209,991 209,991 215,600 219,913 234,282 238,550 245,953 242,971 245,308 248,243 249,227 259,715 249,721 261,362
b Akad Mudharabah (Mudharaba) 112,306 157,806 210,182 279,841 282,691 282,691 290,160 293,032 319,115 319,629 319,788 317,799 323,887 338,165 323,699 330,350 307,187 335,513
3 Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba) 173,325 289,712 420,968 534,524 665,352 665,352 695,892 715,523 697,213 725,316 744,443 749,217 777,226 799,133 812,808 828,662 839,127 860,893
a 1 Bulan (1 month) 25,327 58,518 63,504 68,141 138,184 138,184 110,747 119,990 110,360 108,763 110,991 111,775 114,561 120,250 125,368 126,334 126,513 129,143
b 3 Bulan (3 months) 31,371 45,288 49,724 55,818 76,815 76,815 91,717 94,318 95,514 103,342 109,424 113,242 117,225 121,159 121,954 125,424 129,604 133,287
c 6 Bulan (6 months) 35,403 60,348 45,915 68,875 157,831 157,831 116,873 170,744 125,492 135,714 135,806 139,237 148,809 147,218 146,207 142,351 144,609 149,487
d 12 Bulan (12 months) 78,877 122,300 205,596 270,133 275,875 275,875 358,965 314,095 348,963 361,433 369,522 365,131 375,632 389,197 397,538 410,150 414,415 422,346
e > 12 Bulan (> 12 months) 2,347 3,258 56,229 71,557 16,646 16,646 17,590 16,375 16,884 16,064 18,700 19,833 20,999 21,308 21,740 24,403 23,985 26,630
Total 334,231 521,152 717,858 975,815 1,158,034 1,158,034 1,201,652 1,228,468 1,250,609 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,035 1,457,768
15
Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)
2009 2010
2005 2006 2007 2008 2009
Giro Wadiah (Wadiah Demand Deposits) 464 1,282 1,840 2,363 2,694 2,131 2,290 2,611 2,694 2,889 2,933 2,883 2,965 3,003 3,088 3,294 3,330 3,392
SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank

2,395 2,357 2,599 2,545 3,076 2,635 2,835 2,142 3,076 3,373 2,972 2,425 3,027 1,656 2,734 2,576 1,882 2,310
Indonesia Islamic Certificate)
Lainnya (Others) 321 2 101 280 4,623 1,779 2,552 3,135 4,623 5,059 3,932 3,327 2,612 3,164 2,521 3,144 2,295 4,150
Total 3,180 3,641 4,540 5,189 10,393 6,545 7,676 7,888 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852
16
Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)
2009 2010
2005 2006 2007 2008 2009
Surat Berharga Pasar Keuangan Syariah (Islamic Financial

1 - - 4 279 1,103 251 316 1,103 1,103 1,103 1,104 1,105 1,104 1,104 1,104 1,106 1,105 1,105
Market Securities)
Surat Berharga Pasar Modal Syariah (Islamic Capital Market

2 704 828 1,384 2,400 2,641 2,489 2,494 2,499 2,641 2,706 3,212 3,259 3,644 3,868 4,200 4,593 4,742 4,827
Securities)
3 Lainnya (Others) 26 1 - 4 42 4 42 42 42 42 42 42 42 42 42 42 42 42
17
Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)
2009 2010
Akad (Contract) 2005 2006 2007 2008 2009
Akad Mudharabah (Mudharaba) 3,124 4,062 5,578 6,205 6,597 6,459 6,440 6,506 6,597 6,556 6,592 6,716 6,933 7,231 7,593 7,856 8,207 8,292
Akad Musyarakah (Musharaka) 1,898 2,335 4,406 7,411 10,412 10,007 10,184 10,359 10,412 10,363 10,725 11,216 11,632 11,950 12,420 12,645 13,323 13,305
Akad Murabahah (Murabaha) 9,487 12,624 16,553 22,486 26,321 25,046 25,499 25,570 26,321 26,532 27,288 28,269 28,922 29,744 31,108 32,027 33,310 33,967
Akad Salam (Salam) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Akad Istishna (Istishna) 282 337 351 369 423 415 421 431 423 402 411 406 404 410 392 383 389 380
Akad Ijarah (ijara) 316 836 516 765 1,305 1,195 1,212 1,251 1,305 1,313 1,321 1,324 1,486 1,569 1,839 2,047 2,134 2,123
Akad Qardh (Qardh) 125 250 540 959 1,829 1,400 1,490 1,609 1,829 1,974 2,141 2,275 2,274 2,319 2,449 2,675 2,912 2,902
Lainnya (Others) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970
18
Juta Rupiah ( in Million IDR)
Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah
(Financing Composition of Islamic Rural Bank)
2009 2010
Akad (Contract) 2005 2006 2007 2008 2009
Akad Murabahah (Murabaha) 337,566 505,633 716,240 1,011,743 1,269,900 1,196,883 1,213,241 1,237,253 1,269,900 1,277,588 1,331,195 1,359,346 1,406,532 1,448,029 1,487,086 1,519,599 1,540,553 1,549,744
Akad Salam (Salam) 90 30 0 38 105 0 0 105 105 0 4 4 169 167 160 117 0 0
Akad Istishna (Istishna) 1,844 1,361 13,467 24,683 32,766 34,663 35,707 34,882 32,766 32,436 33,130 33,468 34,017 33,593 33,376 33,596 33,404 32,113
Akad Ijarah (ijara) 6,816 6,783 3,661 5,518 7,803 8,181 7,961 7,970 7,803 8,219 8,524 9,964 9,613 9,935 9,725 11,715 13,282 13,395
Akad Qardh (Qardh) 6,666 9,969 19,038 40,308 50,018 54,301 56,576 55,253 50,018 49,908 53,900 53,532 57,328 59,429 62,401 64,041 62,751 60,390
Multijasa (Multi Purpose Financing) 0 0 6,106 17,988 28,578 28,085 26,712 28,809 28,578 29,085 29,904 29,826 33,652 35,389 39,232 43,024 44,024 45,897
Total 417,282 615,469 890,709 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
19
Tabel 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)
SEKTOR EKONOMI 2009 2010

2005 2006 2007 2008 2009
ECONOMIC SECTOR Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Pertani a n, kehutana n da n s a ra na pertani a n 687 701 837 1,177 1,331 1,288 1,286 1,330 1,331 1,386 1,325 1,563 1,555 1,661 1,678 1,671 1,675 1,671
Agriculture, forestry and agricultural facilities
Pertamba nga n 395 375 511 965 1,047 998 1,013 1,009 1,047 1,002 958 1,116 1,072 1,081 1,098 1,073 1,090 1,096
Mining
Peri ndus tri a n 933 940 1,371 1,340 1,579 1,477 1,469 1,495 1,579 1,612 1,551 1,768 1,976 2,072 2,107 2,172 2,168 2,126
Manufacturing
Li s tri k, ga s da n a i r 66 17 166 248 698 591 653 670 698 699 835 848 803 857 910 927 1,040 1,134
Water, gas and electricity
Kons truks i 1,548 1,637 2,371 3,368 3,516 3,705 3,673 3,648 3,516 3,515 3,504 3,831 3,976 3,930 4,083 3,996 4,319 4,015
Construction
Perda ga nga n, res tora n da n hotel 1,716 3,041 4,152 4,426 5,000 5,370 5,545 5,719 5,000 5,732 5,577 6,114 6,186 6,397 6,787 6,855 7,062 7,136
Trade, restaurants and hotels
Penga ngkutan, perguda nga n da n komuni ka s i 1,261 1,165 1,569 2,759 3,349 3,080 3,146 3,168 3,349 3,208 3,067 3,499 3,552 3,565 3,575 3,554 3,519 3,435
Transport, cargo storage and communication
Ja s a duni a us a ha 4,504 5,458 8,425 11,757 13,664 13,334 13,465 13,369 13,664 13,775 15,126 14,294 14,712 15,355 16,103 16,872 18,016 18,517
Business Services
Ja s a s os i a l /ma s ya ra ka t 1,208 1,456 1,904 2,463 2,661 2,616 2,617 2,704 2,661 2,537 2,455 2,596 2,622 2,687 2,755 2,736 2,613 2,694
Social Services
La i n-l a i n 2,913 5,655 6,639 9,693 14,042 12,063 12,378 12,616 14,042 13,673 14,080 14,577 15,196 15,618 16,705 17,776 18,771 19,146
Others
Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970
20
Juta Rupiah (in Million IDR )

Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Rural Bank based on Economic Sector)
2005 2006 2007 2008 2009
Pertani a n, kehutana n da n s a ra na pertani a n 11,874 17,720 24,436 41,613 54,486 51,307 52,184 53,911 54,486 56,859 62,417 64,779 67,917 71,842 73,597 108,627 113,075 101,229
Pertamba nga n 138 485 944 1,287 998 1,507 1,406 1,275 998 894 833 884 804 773 796 1,036 759 802
Mining
Peri ndus tri a n 9,207 12,465 12,447 15,885 20,420 19,882 19,973 20,278 20,420 20,643 21,511 27,513 24,279 24,254 23,464 25,758 24,505 24,332
Manufacturing
Li s tri k, ga s da n a i r 109 748 367 1,146 1,055 927 1,183 1,554 1,055 814 1,052 1,066 1,057 1,097 1,160 1,212 1,231 2,104
Kons truks i 3,495 6,570 16,051 26,536 48,178 52,416 54,920 53,340 48,178 45,235 45,308 49,353 50,643 52,367 54,901 55,851 61,394 64,215
Construction
Perda ga nga n, res tora n da n hotel 190,583 255,559 295,195 370,907 486,018 481,118 487,187 477,980 486,018 498,081 518,063 527,068 543,438 558,917 572,145 599,829 614,325 594,010
Penga ngkutan, perguda nga n da n komuni ka s i 3,618 8,704 9,075 17,697 17,289 19,575 18,597 18,530 17,289 18,387 19,344 18,562 18,809 19,999 19,866 20,785 19,929 21,827
Ja s a duni a us a ha 49,031 72,194 99,050 140,989 176,760 185,913 181,506 183,851 176,760 174,229 184,240 191,193 196,143 204,064 213,361 265,577 269,595 269,401
Business Services
Ja s a s os i a l /ma s ya ra ka t 5,155 5,632 6,402 22,609 16,451 12,730 14,641 16,805 16,451 15,887 17,553 18,877 19,660 21,829 22,701 23,666 23,887 26,091
Social Services
La i n-l a i n 144,072 235,392 422,148 617,942 765,264 698,039 715,268 748,706 765,264 755,550 783,555 791,275 834,504 862,217 891,578 823,401 825,481 875,899
Others
Total 417,282 615,469 886,117 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
21
Tabel 22 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage)
JENIS PENGGUNAAN 2009 2010

2005 2006 2007 2008 2009
TYPE OF USAGE Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Modal Kerja Nilai (Amount) 7,988 10,405 15,656 20,554 22,873 23,056 23,195 23,358 22,873 23,548 24,046 24,798 25,524 26,453 27,848 28,315 29,445 29,688
Working Capital Pangsa (Share) 52.4% 50.9% 56.0% 53.8% 48.8% 51.8% 51.3% 51.1% 48.8% 50.0% 49.6% 49.4% 49.4% 49.7% 49.9% 49.1% 48.9% 48.7%
Investasi Nilai (Amount) 4,288 4,374 5,637 7,907 9,955 9,371 9,641 9,721 9,955 9,901 10,337 10,814 10,913 11,136 11,233 11,526 12,043 12,120
Investment Pangsa (Share) 28.1% 21.4% 20.2% 20.7% 21.2% 21.0% 21.3% 21.3% 21.2% 21.0% 21.3% 21.5% 21.1% 20.9% 20.1% 20.0% 20.0% 19.9%
Konsumsi Nilai (Amount) 2,956 5,666 6,652 9,734 14,058 12,095 12,410 12,647 14,058 13,691 14,097 14,595 15,213 15,634 16,721 17,792 18,787 19,162
Consumption Pangsa (Share) 19.4% 27.7% 23.8% 25.5% 30.0% 27.2% 27.4% 27.7% 30.0% 29.0% 29.1% 29.1% 29.5% 29.4% 30.0% 30.9% 31.2% 31.4%
Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970
22
Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Rural Bank based on Type of Usage)

2005 2006 2007 2008 2009
Modal Kerja Nilai (Amount) 236,794 357,743 497,472 664,644 767,538 858,195 781,539 778,595 767,538 764,030 792,005 816,222 847,657 881,584 907,707 1,016,629 1,032,901 1,068,388
Total 417,282 615,469 890,070 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
23
Tabel 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)
GOLONGAN PEMBIAYAAN 2009 2010

2005 2006 2007 2008 2009
TYPE OF FINANCING Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 32,576 33,493 34,495 35,799 36,093 37,631 39,127 40,609 41,697 43,989 45,479 45,227 45,902
Small and Medium Enterprises
Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,947 11,753 11,231 11,087 11,047 10,848 11,079 11,042 11,526 11,812 12,154 15,048 15,068
Non Small and Medium Enterprises
Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970
24
Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Financing of Islamic Rural Bank based on Type of Financing)

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 273,212 380,079 575,028 657,359 833,076 817,331 838,259 830,528 833,076 806,344 801,715 877,024 917,281 949,740 969,593 993,723 1,013,746 1,109,465
Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 599,291 753,843 706,084 708,606 745,701 753,843 780,235 852,160 813,547 839,974 867,621 903,977 932,020 940,433 870,447
Total 417,284 615,471 890,072 1,256,650 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
*) 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 )
25
Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)
KOLEKTIBILITAS PEMBIAYAAN 2009 2010

2005 2006 2007 2008 2009
COLLECTIBILITY OF FINANCING Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Lancar (Performing Financing) 14,803 19,474 26,813 36,686 45,004 41,975 42,753 43,192 45,004 45,086 46,177 47,932 49,342 50,683 53,631 55,244 57,805 58,563
La nca r (Current) 14,027 18,583 25,494 35,076 41,931 38,815 39,656 39,977 41,931 41,329 42,058 44,065 45,505 46,725 49,310 50,812 52,845 54,240
Da l a m Perha tia n Khus us (Special Mention) 776 891 1,319 1,610 3,074 3,161 3,097 3,216 3,074 3,757 4,120 3,867 3,837 3,958 4,321 4,433 4,960 4,324
Non Lancar (Non Performin Financing) 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 1,054 2,275 2,309 2,540 2,170 2,388 2,470 2,406
Kura ng La nca r (Sub-Standard) 201 353 321 525 435 1,136 1,036 898 435 621 822 1,067 1,028 1,007 769 947 865 833
Di ra guka n (Doubtful) 73 236 267 224 582 341 276 746 582 397 232 165 259 312 305 244 380 352
Ma cet (Lost) 155 383 543 759 865 1,070 1,180 889 865 1,036 ` 1,043 1,022 1,221 1,097 1,197 1,226 1,221
Total Pembiayaan (Total Financing) 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 47,231 50,206 51,651 53,223 55,801 57,633 60,275 60,970
Percentage of NPFs 2.82% 4.75% 4.05% 3.95% 4.01% 5.72% 5.51% 5.54% 4.01% 4.36% 2.23% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95%
26
jutaan rupiah (in million rupiah)
Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility)

2005 2006 2007 2008
(COLLECTIBILITY OF FINANCING) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
Lancar (Non Performing Financing) 371,781 564,373 820,058 1,151,287 1,475,306 1,399,736 1,427,061 1,444,450 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770
Non Lancar (Non Performing Financing ) 45,501 51,096 72,350 105,322 111,613 123,679 119,804 131,779 111,613 116,746 123,764 124,599 126,429 129,557 129,698 137,901 140,318 147,142
Kurang Lancar (Sub-Standard ) 12,290 16,267 22,674 35,322 31,049 42,524 37,708 42,704 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875
Diragukan (Doubtful ) 23,338 19,760 17,090 21,307 30,687 36,245 32,554 34,002 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142
Macet (Loss ) 9,873 15,069 32,586 48,693 49,877 44,910 49,543 55,073 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125
Total Pembiayaan (Total Financing ) 417,282 615,469 892,408 1,256,609 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,572 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
Percentages of NPFs 10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43%
milyar rupiah
Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility)

2005 2006 2007 2008
(COLLECTIBILITY OF FINANCING) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
Lancar (Non Performing Financing) 371,781 564,373 820,058 1,151,287 1,475,306 1,399,736 1,427,061 1,444,450 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770
Non Lancar (Non Performing Financing ) 45,501 51,096 72,350 105,322 111,613 123,679 119,804 131,779 111,613 116,746 123,764 124,599 126,429 129,557 129,698 137,901 140,318 147,142
Kurang Lancar (Sub-Standard ) 12,290 16,267 22,674 35,322 31,049 42,524 37,708 42,704 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875
Diragukan (Doubtful ) 23,338 19,760 17,090 21,307 30,687 36,245 32,554 34,002 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142
Macet (Loss ) 9,873 15,069 32,586 48,693 49,877 44,910 49,543 55,073 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125
Total Pembiayaan (Total Financing ) 417,282 615,469 892,408 1,256,609 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,572 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912
Percentages of NPFs 10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 27

7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43%

Tabel 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)
2005 2006 2007 2008 2009
Pertani a n, kehutana n da n s a ra na pertani a n 34 40 21 10 64 36 37 35 64 72 30 43 49 57 61 63 70 70
Pertamba nga n 14 25 80 213 20 80 86 54 20 20 20 26 25 36 36 60 24 23
Mining
Peri ndus tri a n 82 219 229 289 184 183 208 179 184 190 179 182 183 186 185 187 188 190
Manufacturing
Li s tri k, ga s da n a i r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kons truks i 23 57 89 140 180 255 215 282 180 239 276 219 252 307 257 334 336 259
Construction
Perda ga nga n, res tora n da n hotel 78 205 254 278 436 444 465 473 436 472 456 468 481 516 317 372 358 360
Penga ngkutan, perguda nga n da n komuni ka s i 42 88 119 91 177 187 180 233 177 182 177 245 303 254 182 176 224 385
Ja s a duni a us a ha 68 187 141 297 311 607 552 618 311 338 602 543 535 662 649 616 656 586
Business Services
Ja s a s os i a l /ma s ya ra ka t 22 40 41 44 59 146 142 132 59 65 62 65 74 82 73 153 165 83
Social Services
La i n-l a i n 65 110 157 148 450 609 608 528 450 475 498 482 406 439 409 425 447 449
Others
Total 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406
28
juta rupiah (in million IDR)

Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Non Performing Financing of Islamic Rural Bank based on Economic Sector)
2005 2006 2007 2008 2009
(ECONOMIC SECTOR) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
Pertanian, kehutanan dan sarana pertanian 1,259 1,472 1,783 3,839 3,741 5,067 4,715 4,954 3,741 4,344 5,150 5,023 5,060 5,433 5,586 6,492 5,880 5,994
Pertambangan - 10 270 1 309 596 559 506 309 308 248 247 164 177 161 161 151 152
Mining
Perindustrian 1,913 1,377 1,652 2,317 3,090 2,926 3,619 3,846 3,090 3,190 2,641 3,384 3,320 3,623 3,722 3,577 3,425 3,796
Manufacturing
Listrik, gas dan air - 43 1 214 75 63 72 184 75 76 52 55 64 40 40 44 47 66
Konstruksi 55 158 908 4,526 4,484 5,238 4,575 4,810 4,484 4,763 4,810 5,086 5,998 6,261 6,163 6,785 7,024 7,040
Construction
Perdagangan, restoran dan hotel 26,405 30,305 38,045 39,224 45,737 52,999 51,146 53,018 45,737 48,344 52,491 51,173 49,777 50,238 50,837 55,811 57,436 58,757
Pengangkutan, pergudangan dan komunikasi 198 491 705 1,538 1,705 2,545 1,722 1,829 1,705 1,949 1,952 2,175 1,695 1,714 1,600 1,738 1,740 2,172
Jasa dunia usaha 6,269 6,802 8,593 16,421 10,416 13,018 12,362 15,715 10,416 12,647 13,544 13,901 14,333 14,506 15,255 14,243 15,251 17,658
Business Services
Jasa sosial/masyarakat 551 449 254 676 516 792 709 1,316 516 620 1,812 1,583 1,011 1,694 1,486 2,102 1,488 2,460
Social Services
Lain-laing 8,850 9,988 20,139 36,568 41,539 40,435 40,326 45,601 41,539 40,505 41,065 41,971 45,006 45,873 44,848 46,948 47,876 49,049
Others
Total 45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142
29
Tabel 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)

2005 2006 2007 2008 2009
Modal Kerja Nilai (Amount) 216 604 647 871 899 1,209 1,244 1,371 899 1,007 1,223 1,161 1,200 1,392 1,149 1,262 1,256 1,175
Investasi Nilai (Amount) 148 258 326 489 534 730 640 634 534 572 581 631 703 709 612 701 767 783
Konsumsi Nilai (Amount) 65 110 158 148 450 609 608 529 450 475 498 482 406 439 410 425 447 449
Total 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406
30

Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Non Performing Financing of Islamic Rural Bank based on Type of Usage)

2005 2006 2007 2008 2009
(TYPE OF USAGE) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
Modal Kerja Nilai (Amount) 34,239 38,716 53,267 75,154 68,821 82,579 76,643 8,378 68,821 72,600 76,741 77,282 76,459 79,513 80,041 85,896 85,538 92,904
Working Capital Pangsa (Share ) 75.2% 75.8% 73.6% 71.4% 61.7% 66.8% 64.0% 63.6% 61.7% 62.2% 62.0% 62.0% 60.5% 61.4% 61.7% 62.1% 61.0% 63.1%
Investment Pangsa (Share ) 9.8% 10.7% 8.5% 8.4% 9.6% 9.8% 9.7% 9.8% 9.6% 8.1% 9.5% 9.0% 9.9% 9.0% 9.4% 9.0% 8.9% 9.2%
Consumption Pangsa (Share ) 15.0% 13.6% 17.9% 20.2% 26.6% 28.7% 23.4% 26.3% 26.6% 28.7% 29.8% 28.5% 29.0% 29.7% 29.6% 28.9% 29.0% 27.7%
Total 45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142
Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan juta rupiah (in million IDR)
Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
2005 2006 2006
2005 2007 2008 2007
2009 2008
TYPE OF USAGE
(TYPE OF USAGE) Sep Oct NovSep Dec JanOct Feb Mar
Nov Apr May
Des Jun JanJul Aug Feb Sep Mar Apr May Jun Jul Aug Sep
Modal Kerja Modal Kerja Nilai (Amount)

Nilai (Amount) 34,239
34,23938,716 53,267
38,71675,154 68,821
53,267 82,579 75,154
76,643 83,78682,579
68,821 72,600 76,741 77,282
76,643 8,37876,459 79,513
68,821 80,041 72,600
85,596 85,53876,741
92,841 77,282 76,459 79,513 80,041 85,896 85,538 92,904
WorkingPangsa
Working Capital Capital (Share
Pangsa )(Share) 75.2%75.8% 73.6%
75.2% 75.8% 71.4% 73.6% 66.8% 71.4%
61.7% 64.0% 63.6% 66.8%
61.7% 62.2%64.0%
62.0% 63.6%60.5%
62.0% 61.7% 61.7% 62.2%
61.4% 62.1% 61.0% 62.0%
63.2% 62.0% 60.5% 61.4% 61.7% 62.1% 61.0% 63.1%
Investasi Nilai (Amount) 4,454 5,445 6,114

Investasi Nilai (Amount) 4,454 5,445 6,114 8,890 10,723 12,117 8,890
11,676 12,87712,117
10,723 11,676
9,402 12,877
11,711 11,198 10,723
12,482 11,676 9,402
12,174 12,360 12,52511,711
13,481 11,198 12,482 11,676 12,174 12,360 12,525 13,481
Investment Pangsa (Share ) 9.8% 10.7% 8.5% 8.4% 9.8% 9.7% 9.8% 9.6% 8.1% 9.5% 9.0% 9.9% 9.0% 9.4% 9.0% 8.9% 9.2%
Konsumsi Nilai (Amount) 6,808 6,936 12,968 21,278 32,068 28,982 31,485 32,068 34,744 35,313 36,119 37,488 38,368 37,483 39,945 42,256 40,756
Consumption Pangsa (Share ) 15.0% 13.6% 17.9% 20.2% 28.7% 23.4% 26.3% 26.6% 28.7% 29.8% 28.5% 29.0% 29.7% 29.6% 28.9% 29.0% 27.7%
Total 45,501 51,096 72,349 105,322 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142
Total 45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,012

31
Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

2005 2006 2007 2008 2009
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)

2005 2006 2007 2008 2009
Usaha Kecil dan Menengah 330 725 798 985 1,611 1,663 1,633 1,644 1,611 1,741 1,864 1,619 1,879 2,061 1,720 1,991 2,096 2,040
Selain Usaha Kecil dan Menengah 99 246 333 524 271 884 860 890 271 312 438 430 430 479 450 398 374 366
Total 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,049 2,309 2,540 2,170 2,388 2,470 2,406
32

Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Non Performing Financing of Islamic Rural Bank based on Type of FInancing)
2005 2006 2007 2008 2009
(TYPE OF FINANCING) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
Usaha Kecil dan Menengah 45,501 41,108 53,267 69,501 70,160 81,108 77,963 84,391 70,160 71,330 80,842 79,687 81,973 84,181 85,620 89,191 91,272 97,629
Selain Usaha Kecil dan Menengah - 9,988 22,028 35,821 41,453 42,571 41,841 47,388 41,453 45,415 42,923 44,912 44,456 45,376 44,078 48,710 49,046 49,513
Non Small and Medium Enterprise
Total 45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142
33
satuan (in unit)

Tabel 34 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah
(Number of Account of Islamic Commercial Bank and Islamic Business Unit)
2009 2010
Jenis 2005 2006 2007 2008 2009
Dana Pihak Ketiga (Depositor Funds ) 1,255,889 1,992,452 2,845,829 3,766,067 4,537,565 4,549,370 4,353,109 4,400,670 4,537,565 4,483,636 4,625,738 4,786,190 4,821,406 4,892,028 5,064,242 5,070,648 5,264,503 5,762,528
Giro iB (Demand Deposits) 26,100 34,499 42,741 51,123 71,635 60,401 62,745 70,734 71,635 71,818 74,350 75,817 66,576 68,179 108,398 69,407 71,674 71,547
Tabungan iB (Saving Deposits) 1,168,786 1,883,875 2,711,374 3,600,205 4,315,582 4,350,940 4,149,917 4,183,185 4,315,582 4,258,203 4,397,190 4,552,475 4,596,472 4,663,639 4,791,828 4,838,047 5,022,684 5,494,294
Deposito iB (Time Deposits) 61,003 74,078 91,714 114,739 150,348 138,029 140,447 146,751 150,348 153,615 154,198 157,898 158,358 160,210 164,016 163,194 170,145 196,687
Pembiayaan (Financing ) 144,699 372,109 512,230 597,208 686,535 653,666 660,790 674,298 686,535 700,792 721,334 734,232 744,949 749,059 756,688 771,882 781,859 787,507
Akad Salam (Salam) - - - - - - - - - - - - - - - - - -
Akad Istishna (Istishna) 408 387 392 695 1,346 1,283 1,298 1,324 1,346 1,336 1,365 1,366 1,368 1,370 1,335 1,278 1,287 1,292
Akad Ijarah (ijara) 129 443 1,007 1,912 4,192 2,763 2,854 3,061 4,192 4,468 4,747 4,912 5,673 5,925 6,303 6,411 6,713 6,475
Akad Qardh (Qardh) 6,077 12,462 26,455 55,112 100,370 78,906 85,399 93,574 100,370 110,319 120,482 127,899 131,508 132,628 135,039 147,469 152,893 155,438
Total 1,400,588 2,364,561 3,358,059 4,363,275 5,224,100 5,203,036 5,013,899 5,074,968 5,224,100 5,184,428 5,347,072 5,520,422 5,566,355 5,641,087 5,820,930 5,842,530 6,046,362 6,550,035
34
satuan (in unit)

Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah
(Number of Account of Islamic Rural Bank)
2009 2010
Jenis 2005 2006 2007 2008 2009
Dana Pihak Ketiga (Depositor Funds) 221,070 287,203 339,914 437,464 517,944 461,969 471,091 484,387 517,944 485,927 498,060 500,327 507,948 523,479 516,919 519,898 516,855 534,996
Giro iB (Demand Deposits) - - - - - - - - - - - - - - - - - -
Tabungan iB (Saving Deposits) 214,866 279,046 329,272 423,550 500,414 445,640 454,259 467,290 500,414 467,928 479,827 482,184 489,352 504,600 498,325 501,049 498,294 515,702
Deposito iB (Time Deposits) 6,204 8,157 10,642 13,914 17,530 16,329 16,832 17,097 17,530 17,999 18,233 18,143 18,596 18,879 18,594 18,849 18,561 19,294
Pembiayaan (Financing) 47,627 70,415 110,415 115,050 131,258 130,101 133,189 134,325 131,258 131,811 134,900 134,610 138,302 140,387 142,827 144,957 144,946 145,190
Akad Salam (Salam) 10 1 5 5 1 - - 1 1 - 1 1 3 3 3 3 - -
Akad Istishna (Istishna) 314 310 403 438 768 701 714 746 768 765 773 795 805 809 816 820 821 818
Akad Qardh (Qardh) 2,547 3,991 8,816 11,795 13,712 15,646 16,771 16,949 13,712 13,775 14,253 14,482 15,327 14,625 15,461 15,845 15,327 14,426
Akad Ijarah (ijara) 790 991 727 577 903 911 913 891 903 931 954 981 1,025 1,023 1,019 1,047 1,078 1,060
Multijasa (Multi Purpose Financing) - - 1,933 2,504 3,259 3,101 3,034 3,082 3,259 3,310 3,441 3,398 3,749 4,003 4,298 4,668 4,799 5,032
Total 268,697 357,618 450,329 552,514 649,202 592,070 604,280 618,712 649,202 617,738 632,960 634,937 646,250 663,866 659,746 664,855 661,801 680,186
35
Tabel 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)
2009 2010
2005 2006 2007 2008 2009
Dana Pihak Ketiga (Depositor Funds)
1 Giro iB (Demand Deposits) 1.16% 1.27% 1.07% 1.18% 0.96% 1.01% 1.02% 0.89% 0.96% 0.92% 0.90% 0.98% 0.92% 0.99% 1.20% 0.97% 0.94% 0.96%
2 Tabungan iB (Saving Deposits) 3.96% 3.72% 3.32% 3.61% 2.76% 3.06% 2.93% 2.73% 2.76% 2.50% 2.43% 2.85% 2.54% 2.68% 2.64% 2.65% 2.51% 2.94%
3 Deposito iB (Time Deposits)
a 1 Bulan (1 month) 7.86% 8.96% 7.63% 8.22% 6.92% 6.78% 7.01% 6.75% 6.92% 5.31% 6.54% 6.77% 6.60% 6.37% 6.63% 6.91% 6.69% 6.59%
b 3 Bulan (3 months) 8.03% 9.81% 7.93% 9.10% 7.25% 7.36% 7.51% 7.19% 7.25% 6.07% 6.86% 7.09% 6.88% 6.81% 6.67% 6.85% 7.03% 6.86%
c 6 Bulan (6 months) 8.82% 9.57% 8.25% 8.67% 8.44% 7.05% 7.16% 6.89% 8.44% 6.15% 6.64% 7.72% 7.66% 6.76% 7.31% 7.04% 7.31% 6.96%
d 12 Bulan (12 months) 9.35% 9.99% 8.34% 8.34% 9.06% 9.20% 9.38% 9.09% 9.06% 7.68% 7.51% 8.64% 8.31% 7.49% 6.89% 7.00% 8.39% 7.26%
e > 12 Bulan (> 12 months) 7.83% 10.04% 7.17% 8.63% 8.63% 8.42% 8.21% 8.46% 8.63% 8.53% 8.05% 7.15% 6.91% 8.10% 9.65% 6.03% 6.15% 6.58%
Pembiayaan (Financing)
1 Akad Mudharabah (Mudharaba) 12.75% 13.73% 16.93% 19.38% 19.11% 19.33% 19.25% 19.09% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53% 17.60% 17.59% 17.27% 17.03%
2 Akad Musyarakah (Musharaka) 8.46% 10.25% 11.23% 11.37% 11.72% 11.04% 11.21% 11.49% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30% 11.39% 11.04% 10.92% 10.95%
3 Akad Murabahah (Murabaha) 13.05% 12.09% 14.66% 14.92% 16.07% 15.78% 15.65% 15.95% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69% 73.30% 15.77% 15.51% 15.49%
4 Akad Salam (Salam) - - - - - - - - - - - - - - - - - -
5 Akad iIstishna (Istishna) 13.80% 13.46% 14.30% 14.99% 13.89% 14.16% 14.12% 14.04% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18% 13.08% 13.90% 14.00% 13.86%
6 Akad Ijarah (ijara) 0.59% 0.66% 0.16% 0.88% 0.76% 0.78% 0.75% 0.73% 0.76% 0.75% 0.75% 0.74% 0.66% 0.64% 121.08% 0.50% 0.48% 0.48%
7 Akad Qardh (Qardh) 5.25% 5.33% 2.89% 3.42% 4.34% 3.78% 3.97% 3.98% 4.34% 4.34% 4.34% 4.24% 4.29% 4.15% 4.11% 3.98% 3.84% 3.98%
36
Tabel 37 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )
2009 2010
2005 2006 2007 2008 2009
Dana Pihak Ketiga (Depositor Funds)
1 Giro iB (Demand Deposits) - - - - - - - - - - - - - - - - - -
2 Tabungan iB (Saving Deposits) 5.69% 10.62% 5.50% 6.62% 6.19% 5.78% 5.84% 5.94% 6.19% 5.36% 5.69% 6.07% 6.07% 5.97% 6.04% 6.01% 5.80% 5.49%
3 Deposito iB (Time Deposits)
a 1 Bulan (1 month) 8.79% 12.73% 10.64% 10.47% 12.03% 11.38% 11.31% 11.17% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53% 11.30% 11.30% 11.64% 11.46%
b 3 Bulan (3 months) 10.60% 12.44% 11.65% 13.16% 12.43% 11.81% 12.13% 12.40% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47% 11.48% 11.23% 11.17% 11.08%
c 6 Bulan (6 months) 12.98% 13.68% 12.14% 13.74% 13.38% 13.07% 13.20% 13.48% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07% 13.43% 12.89% 13.27% 12.90%
d 12 Bulan (12 months) 9.27% 12.58% 12.31% 13.09% 12.30% 11.85% 12.21% 12.59% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00% 12.07% 11.92% 11.91% 11.74%
e > 12 Bulan (> 12 months) 13.54% 14.48% 11.52% 13.03% 12.26% 12.28% 12.22% 12.19% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00% 11.92% 12.02% 12.12% 12.12%
Pembiayaan (Financing)
1 Akad Mudharabah (Mudharaba) 21.28% 18.16% 21.28% 18.49% 18.59% 19.77% 19.58% 19.63% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42% 17.59% 18.23% 17.98% 18.86%
2 Akad Musyarakah (Musharaka) 20.96% 23.15% 20.77% 23.28% 15.97% 17.35% 17.23% 16.80% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96% 14.97% 16.01% 15.84% 16.23%
3 Akad Murabahah (Murabaha) 17.88% 18.72% 20.30% 19.56% 19.22% 19.32% 19.56% 19.45% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57% 19.60% 19.49% 19.62% 19.71%
4 Akad Salam (Salam) - - - - - - - - - - - - - - - - - -
5 Akad iIstishna (Istishna) 18.45% 20.01% 7.43% 7.39% 7.35% 6.46% 6.48% 6.90% 7.35% 7.39% 7.29% 7.28% 7.11% 7.17% 7.27% 7.53% 7.71% 7.93%
6 Akad Ijarah (ijara) 0.84% 0.54% 0.21% 0.11% 0.10% 0.13% 0.10% 0.10% 0.10% 0.09% 0.11% 0.19% 0.08% 0.08% 0.09% 0.07% 0.07% 0.06%
7 Akad Qardh (Qardh) - - - - - - - - - - - - - - - - - -
8 Multijasa (Multi Purpose Financing) - - - - - - - - - - - - - - - - - -
37
Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah
(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)
2009 2010
Rasio (Ratio) 2005 2006 2007 2008 2009
1 CAR¹⁾ 12.41% 13.73% 10.67% 12.81% 10.77% 11.50% 11.50% 11.17% 10.77% 11.26% 11.43% 11.07% 12.12% 12.31% 12.89% 14.66% 14.23% 14.58%
2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.38% 1.46% 1.48% 1.48% 1.65% 1.76% 2.13% 2.06% 1.25% 1.66% 1.67% 1.64% 1.80%
3 ROE¹⁾ 27.58% 28.45% 40.38% 38.79% 26.09% 28.33% 27.33% 27.52% 26.09% 20.51% 23.95% 32.02% 27.97% 25.07% 21.51% 21.24% 20.13% 21.92%
4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 5.72% 5.51% 5.54% 4.01% 4.36% 4.75% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95%
5 FDR 97.75% 98.90% 99.76% 103.65% 89.70% 98.11% 97.30% 95.49% 89.70% 88.67% 90.96% 95.07% 95.57% 96.65% 96.08% 95.32% 98.86% 95.40%
6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 84.05% 83.28% 83.08% 84.39% 84.87% 79.73% 76.27% 77.15% 85.79% 79.99% 79.77% 80.36% 79.10%
1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only)
38
Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah
(Financial Ratios of Islamic Rural Bank)
2009 2010
Rasio (Ratio) 2005 2006 2007 2008 2009
1 CAR na na 34.72% 30.28% 29.98% 30.27% 33.46% 34.57% 29.98% 30.80% 33.25% 31.35% 30.70% 29.60% 29.64% 29.20% 27.17% 28.79%
2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.10% 3.42% 3.46% 5.00% 3.55% 3.48% 3.57% 3.67% 3.97% 3.71% 3.68% 3.52% 3.47%
3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 18.04% 20.54% 20.98% 21.55% 11.65% 11.29% 12.20% 13.20% 15.33% 14.07% 14.08% 13.14% 13.17%
4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.42%
5 FDR 122.41% 118.10% 124.08% 128.78% 126.89% 131.55% 128.73% 128.31% 126.89% 123.61% 126.23% 129.05% 130.51% 131.17% 135.20% 135.74% 139.96% 135.82%
6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 72.91% 65.02% 65.37% 64.69% 76.30% 76.78% 76.18% 75.35% 75.34% 75.20% 75.61% 76.49% 76.93%
39
satuan (in unit)
Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset
(Number of Islamic Rural Bank based on Total Assets)
Total Aset (Rp) 2009 2010

2005 2006 2007 2008 2009
Total Assets (in IDR) Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
< 1 Mi l i a r (< 1 Billion) 11 7 13 7 8 8 8 9 8 10 10 10 11 6 6 6 6 5
1 s .d. 5 Mi l i a r (1 up to 5 Billion) 51 57 46 50 38 38 38 38 38 35 35 39 37 42 39 39 39 40
> 5 s .d. 10 Mi l i a r (>5 up to 10 Billion) 17 22 24 34 40 43 39 40 40 41 39 34 36 35 40 38 38 36
> 10 Mi l i a r (> 10 Billion) 13 19 31 40 52 48 53 52 52 54 58 60 60 61 60 63 63 65
Total 92 105 114 131 138 137 138 139 138 140 142 143 144 144 145 146 146 146
40
Tabel 41. Volume Transaksi PUAS
(Volume of Transaction of Interbank Islamic Money Market)
2009 2010
2005 2006 2007 2008 2009
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 1) Aug Sep
1 hari (Overnight) na 276 542 2,259 700 879 839 482 700 373 536 903 638 487 491 107 350 2,226
2-6 hari (2 up to 6 days) na 334 66 450 890 354 163 328 890 347 1,146 801 773 581 488 190 764 190
7 hari (7 days) na 106 304 961 129 195 293 421 129 340 738 1,088 698 411 480 409 1,060 86
8-26 hari (8 up to 26 days) na 74 193 148 682 670 758 931 682 510 654 435 429 570 460 600 720 767
27-30 hari (27 up to 30 days) na - 64 - 470 420 6 420 470 - - 20 2 - 129 72 100 125
>30 hari (> 30 days) na 5 - 10 18 - 420 - 18 - - 372 - - 5 20 - -
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
1)
Data koreksi (revised)
41
Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA
(Weighted Average Rate of Return of IMA Certificate)
2009 2010
2005 2006 2007 2008 2009
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 1) Aug Sep
1 hari (Overnight) na 5.92% 6.59% 9.54% 6.01% 6.07% 5.66% 6.21% 6.01% 6.15% 5.93% 6.00% 5.96% 6.00% 5.94% 6.17% 6.10% 5.67%
2-6 hari (2 up to 6 days) na 7.80% 6.58% 9.97% 6.13% 6.13% 6.11% 5.92% 6.13% 6.10% 6.05% 5.98% 6.01% 6.09% 6.07% 6.21% 6.13% 6.11%
7 hari (7 days) na 8.18% 6.66% 10.30% 6.33% 6.30% 6.34% 6.12% 6.33% 6.27% 5.81% 5.96% 6.01% 6.07% 6.16% 6.22% 6.29% 6.16%
8-26 hari (8 up to 26 days) na 8.60% 6.48% 10.65% 6.55% 6.61% 6.53% 6.73% 6.55% 6.78% 6.54% 5.92% 6.17% 6.48% 6.44% 6.45% 6.38% 6.20%
27-30 hari (27 up to 30 days) na - 7.18% - 6.65% 6.48% - 6.47% 6.65% - - 6.60% 5.80% - 6.42% 6.36% 6.35% 6.35%
>30 hari (> 30 days) na 6.90% - 10.75% 6.92% - 6.48% - 6.92% - - 6.27% - - 7.00% 6.50% - -
Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)
1)
Data koreksi (revised)
42

Tabel.43. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga dan NPF Bank Umum Syariah dan Unit Usaha Syairah Berdasarkan Propinsi
(Total of Gross Assets, Financing, Depositor Funds, percetage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province)
Aset Gross Pembiayaan Dana Pihak Ketiga

Propinsi FDR NPF
(Gross Assets) (Financing) (Depositor Funds)
DI Aceh 2,377 1,368 1,105 123.82% 3.25%
Sumatera Utara 5,160 3,402 2,403 141.55% 7.79%
Sumatera Barat 2,226 1,272 1,067 119.28% 1.58%
Sumatera Selatan 2,481 1,453 1,295 112.27% 1.99%
Bangka Belitung 123 101 83 120.93% 0.00%
Jambi 631 591 322 183.39% 4.33%
Bengkulu 321 289 178 161.93% 3.65%
Riau 2,763 1,417 1,286 110.18% 4.13%
Kepulauan Riau 825 732 432 169.36% 2.72%
Lampung 1,008 789 529 148.93% 2.26%
DKI Jakarta 65,972 24,447 28,270 86.48% 5.03%
Jawa Barat 12,551 6,959 7,973 87.28% 3.41%
Banten 3,545 1,827 2,818 64.82% 3.07%
Jawa Tengah 5,443 3,640 3,007 121.05% 3.05%
DI Yogyakarta 2,057 808 1,124 71.88% 4.42%
Jawa Timur 7,389 4,811 5,158 93.27% 1.25%
Bali 287 248 208 119.39% 0.14%
Kalimantan Barat 1,191 688 623 110.57% 1.05%
Kalimantan Tengah 156 69 103 67.11% 1.34%
Kalimantan Timur 2,555 1,490 1,660 89.77% 3.44%
Kalimantan Selatan 2,368 1,113 1,035 107.52% 0.88%
Sulawesi Utara 288 218 104 208.45% 4.87%
Gorontalo 158 148 120 123.20% 4.66%
Sulawesi Barat 47 38 34 112.64% 199.75%
368 324 238 136.43% 1.47%
Sulawesi Tenggara 221 181 207 87.58% 2.84%
Sulawesi Selatan 1,890 1,575 1,030 152.93% 0.13%
Maluku 60 13 59 21.66% 3.78%
Maluku Utara 115 57 98 58.71% 4.95%
NTB 635 511 364 140.46% 0.63%
NTT 61 56 47 117.95% 0.57%
Irian Jaya Barat 90 82 77 106.29% 0.21%
Papua 366 251 167 150.51% 1.53%
Luar Indonesia 692 2 689 0.34% 67169.03%
43

Tabel. 44. 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)
Propinsi (Province) Dana Pihak Ketiga
Aset (Assets) Pembiayaan (Financing) FDR NPF
(Depositor Funds)
DI Aceh 66,197 44,181 33,085 133.54% 16.07%
Suma tera Uta ra 80,011 55,470 55,700 99.59% 7.11%
Suma tera Ba ra t 87,500 70,384 60,488 116.36% 3.66%
Suma tera Sel a ta n 6,831 4,071 3,534 115.20% 5.62%
Ba ngka Bel i tung 154,655 124,724 117,416 106.22% 7.32%
Ja mbi - - - - -
Bengkul u 48,737 41,571 29,899 139.04% 5.47%
Ri a u 50,388 38,164 23,772 160.54% 5.24%
Kepul a ua n Ri a u 11,034 10,140 5,101 198.78% 11.90%
La mpung 79,096 57,952 32,034 180.90% 6.29%
DKI Ja ka rta 19,235 15,878 4,147 382.89% 2.64%
Ja wa Ba ra t 740,301 593,971 416,678 142.55% 5.74%
Ba nten 277,376 209,150 188,575 110.91% 10.59%
Ja wa Tenga h 195,495 142,765 116,289 122.77% 6.94%
DI Yogya ka rta 110,890 81,717 81,345 100.46% 8.12%
Ja wa Ti mur 400,429 328,838 188,806 174.17% 9.47%
Ba l i 5,311 5,167 4,367 118.34% 20.95%
Ka l i ma nta n Ba ra t - - - - -
Ka l i ma nta n Tenga h - - - - -
Ka l i ma nta n Ti mur - - - - -
Ka l i ma nta n Sel a ta n 21,620 14,172 13,632 - 4.38%
Sul a wes i Uta ra - - - - -
Goronta l o - - - - -
Sul a wes i Ba ra t - - - - -
Sul a wes i Tenga h - - - - -
Sul a wes i Tengga ra - - - - -
Sul a wes i Sel a ta n 110,416 71,658 55,832 128.35% 9.53%
Ma l uku - - - - -
Ma l uku Uta ra - - - - -
NTB 55,352 37,025 26,597 139.21% 5.29%
NTT - - - - -
Iri a n Ja ya Ba ra t - - - - -
Pa pua 1,222 802 470 170.51% 9.78%
44

Tabel. 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)
Propinsi (Province) Perta ni a n, kehuta na n da n Perda ga nga n, res tora n Penga ngkuta n, perguda nga n Ja s a s os i a l /
Perta mba nga n Peri ndus tri a n Li s tri k, ga s da n a i r Kons truks i Ja s a duni a us a ha La i n-l a i n
s a ra na perta ni a n da n hotel da n komuni ka s i ma s ya ra ka t
Agriculture, forestry and Water, gas and Trade, restaurants and Transport, cargo storage and
Mining Manufacturing Construction Business Services Social Services Others
agricultural facilities electricity hotels communication
DI Aceh 8 - 8 - 87 195 6 256 39 769
Suma tera Uta ra 558 4 91 14 237 794 27 650 120 908
Suma tera Ba ra t 29 2 10 - 5 219 6 320 54 627
Suma tera Sel a ta n 78 0 4 1 96 289 3 342 43 597
Ba ngka Bel i tung 1 0 - - - 3 - 11 29 58
Ja mbi 40 5 0 - 8 163 0 158 20 197
Bengkul u 58 - - - 2 61 5 93 17 53
Ri a u 230 - 4 1 95 177 66 331 18 494
Kepul a ua n Ri a u 2 0 4 - 1 66 14 233 10 403
La mpung 49 1 4 7 3 149 4 401 22 149
DKI Ja ka rta 368 930 743 1,038 2,638 2,313 2,675 7,947 752 5,045
Ja wa Ba ra t 22 7 216 22 239 604 217 2,314 498 2,819
Ba nten 1 5 104 1 28 131 10 705 178 663
Ja wa Tenga h 16 27 700 1 95 709 12 857 153 1,071
DI Yogya ka rta 2 - 24 20 4 173 4 263 49 270
Ja wa Ti mur 76 12 179 26 209 269 36 1,319 365 2,319
Ba l i - 0 - 0 0 27 - 6 90 126
Ka l i ma nta n Ba ra t 5 0 2 - 32 97 141 105 10 296
Ka l i ma nta n Tenga h 1 - - - - 2 - 38 3 26
Ka l i ma nta n Ti mur 15 5 15 - 89 177 64 627 66 431
Ka l i ma nta n Sel a ta n 3 71 5 0 21 53 132 485 45 298
Sul a wes i Uta ra 2 - 0 4 5 66 1 124 - 14
Goronta l o 0 - 3 - 2 47 2 4 67 22
Sul a wes i Ba ra t 15 - 0 - - 4 0 3 2 13
Sul a wes i Tenga h 5 1 0 1 7 42 1 96 4 167
Sul a wes i Tengga ra - 13 0 - - 5 0 121 - 42
Sul a wes i Sel a ta n 3 0 5 - 17 136 2 549 19 844
Ma l uku - - - - - - - 3 - 10
Ma l uku Uta ra - - - - - - - 14 7 37
NTB 3 9 5 0 55 65 0 60 3 312
NTT - 2 - - 28 1 1 11 4 8
Iri a n Ja ya Ba ra t - - - - 1 31 - 28 5 17
Pa pua 84 - 0 - 9 69 2 41 3 43
Luar Indonesia - 0 - - - - 1 - 1 -
45

Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi
( Financing of Islamic Rural Bank based on Economic Sector and Province)
Pengangkutan,
Pertanian, kehutanan dan Perdagangan, restoran dan Jasa sosial /
Pertambangan Perindustrian Listrik, gas dan air Konstruksi pergudangan dan Jasa dunia usaha Lain-lain
sarana pertanian hotel masyarakat
Propinsi (Province) komunikasi
Agriculture, forestry and Water, gas and Transport, cargo storage and
Mining Manufacturing Construction Trade, restaurants and hotels Business Services Social Services Others
agricultural facilities electricity communication
DI Aceh 1,543 - 811 4 1,006 27,197 99 2,993 1,122 9,406
Sumatera Utara 2,437 - 1,205 224 893 14,595 344 5,054 535 30,183
Sumatera Barat 4,161 121 641 237 1,788 35,267 1,476 4,496 1,774 20,422
Sumatera Selatan 238 - 482 - - 677 24 203 66 2,382
Bangka Belitung 5,485 81 125 170 11,683 53,430 1,045 27,243 140 25,294
Jambi - - - - - - - - - -
Bengkulu 16,064 - 642 - 358 14,127 46 366 35 9,883
Riau 1,047 - 579 - 151 8,431 1,491 9,320 406 17,422
Kepulauan Riau 26 - - - - 3,118 131 1,335 175 5,355
Lampung 4,685 - 647 - 1,637 6,356 27 2,086 288 42,227
DKI Jakarta - - - - - 2,026 - 3,566 - 10,286
Jawa Barat 31,897 222 7,292 1,353 8,319 126,157 10,535 62,796 12,620 335,829
Banten 211 46 1,282 - 4,521 98,040 463 69,420 4,157 54,318
Jawa Tengah 8,944 175 2,715 42 21,473 46,090 2,160 14,626 1,354 45,927
DI Yogyakarta 1,318 - 2,766 42 2,173 20,193 301 24,409 1,313 29,216
Jawa Timur 21,115 157 3,584 29 2,701 89,320 1,312 30,691 1,656 179,136
Bali - - 707 - - 2,800 4 335 7 1,314
Kalimantan Barat - - - - - - - - - -
Kalimantan Tengah - - - - - - - - - -
Kalimantan Timur - - - - - - - - - -
Kalimantan Selatan 755 - 5 4 - 3,378 1,887 6,387 - 1,757
Sulawesi Utara - - - - - - - - - -
Gorontalo - - - - - - - - - -
Sulawesi Barat - - - - - - - - - -
Sulawesi Tengah - - - - - - - - - -
Sulawesi Tenggara - - - - - - - - - -
Sulawesi Selatan 439 - 892 - 7,290 12,362 7 1,077 20 53,026
Maluku - - - - - - - - - -
Maluku Utara - - - - - - - - - -
NTB 857 - 9 - 221 30,207 401 2,931 423 1,977
NTT - - - - - - - - - -
Irian Jaya Barat - - - - - - - - - -
Papua 8 - - - - 189 - 67 - 538
46

Tabel. 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)
Propinsi (Province) Modal Kerja Investasi Konsumsi
Agriculture, forestry and agricultural facilities Mining Manufacturing
DI Aceh 505 94 769
Suma tera Uta ra 1,582 913 908
Suma tera Ba ra t 522 124 627
Suma tera Sel a ta n 630 227 597
Ba ngka Bel i tung 15 29 58
Ja mbi 308 86 197
Bengkul u 219 17 53
Ri a u 557 364 495
Kepul a ua n Ri a u 200 128 404
La mpung 541 99 149
DKI Ja ka rta 13,044 6,350 5,053
Ja wa Ba ra t 3,300 834 2,825
Ba nten 929 234 663
Ja wa Tenga h 2,139 431 1,071
DI Yogya ka rta 424 114 270
Ja wa Ti mur 1,846 646 2,319
Ba l i 108 15 126
Ka l i ma nta n Ba ra t 197 195 296
Ka l i ma nta n Tenga h 11 33 26
Ka l i ma nta n Ti mur 589 470 431
Ka l i ma nta n Sel a ta n 450 364 298
Sul a wes i Uta ra 200 4 14
Goronta l o 102 24 22
Sul a wes i Ba ra t 21 4 13
Sul a wes i Tenga h 140 18 167
Sul a wes i Tengga ra 139 0 42
Sul a wes i Sel a ta n 613 118 844
Ma l uku 3 - 10
Ma l uku Uta ra 20 - 37
NTB 108 91 312
NTT 25 22 8
Iri a n Ja ya Ba ra t 64 1 17
Pa pua 135 72 43
Lua r Indones i a 1 1 -
47

Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi
(Financing of Islamic Rural Bank based on Type of Usage and Province)
Propinsi (Province) Modal Kerja Investasi Konsumsi
Working Capital Investment Consumption
DI Aceh 34,388 3,609 6,183
Suma tera Uta ra 23,610 2,596 29,264
Suma tera Ba ra t 42,641 9,070 18,672
Suma tera Sel a ta n 1,313 376 2,382
Ba ngka Bel i tung 105,669 7,052 12,003
Ja mbi - - -
Bengkul u 30,621 6,131 4,819
Ri a u 17,516 6,365 14,967
Kepul a ua n Ri a u 2,927 2,015 5,199
La mpung 14,288 9,605 34,058
DKI Ja ka rta 14,561 91 1,225
Ja wa Ba ra t 246,641 51,085 299,294
Ba nten 154,370 37,009 41,079
Ja wa Tenga h 74,515 27,963 41,029
DI Yogya ka rta 50,044 9,208 22,478
Ja wa Ti mur 147,008 21,604 161,090
Ba l i 2,839 1,472 857
Ka l i ma nta n Ba ra t - - -
Ka l i ma nta n Tenga h - - -
Ka l i ma nta n Ti mur - - -
Ka l i ma nta n Sel a ta n 12,553 - 1,619
Sul a wes i Uta ra - - -
Goronta l o - - -
Sul a wes i Ba ra t - - -
Sul a wes i Tenga h - - -
Sul a wes i Tengga ra - - -
Sul a wes i Sel a ta n 64,019 761 10,333
Ma l uku - - -
Ma l uku Uta ra - - -
NTB 28,663 6,536 1,827
NTT - - -
Iri a n Ja ya Ba ra t - - -
Pa pua 203 67 532
48

Tabel. 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)
Propinsi (Province) Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah
Small and Medium Enterprises Non Small and Medium Enterprises
DI Aceh 1,071 297
Suma tera Uta ra 2,423 979
Suma tera Ba ra t 995 277
Suma tera Sel a ta n 745 709
Ba ngka Bel i tung 4 97
Ja mbi 586 5
Bengkul u 275 14
Ri a u 1,196 221
Kepul a ua n Ri a u 640 92
La mpung 671 117
DKI Ja ka rta 19,758 4,690
Ja wa Ba ra t 5,214 1,745
Ba nten 1,112 714
Ja wa Tenga h 3,080 560
DI Yogya ka rta 592 217
Ja wa Ti mur 4,152 659
Ba l i 194 54
Ka l i ma nta n Ba ra t 493 196
Ka l i ma nta n Tenga h 51 18
Ka l i ma nta n Ti mur 1,393 97
Ka l i ma nta n Sel a ta n 933 180
Sul a wes i Uta ra 195 22
Goronta l o 140 8
Sul a wes i Ba ra t 20 17
Sul a wes i Tenga h 154 170
Sul a wes i Tengga ra 47 134
Sul a wes i Sel a ta n 1,195 380
Ma l uku 13 -
Ma l uku Uta ra 8 50
NTB 356 154
NTT 44 12
Iri a n Ja ya Ba ra t 36 46
Pa pua 240 11
Lua r Indones i a 1 1
49

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) Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah
Small and Medium Enterprises Non Small and Medium Enterprises
DI Aceh 30,577 13,603
Sumatera Utara 21,619 33,850
Sumatera Barat 49,390 20,993
Sumatera Selatan 1,658 2,414
Bangka Belitung 112,721 12,003
Jambi - -
Bengkulu 30,790 10,780
Riau 16,700 22,147
Kepulauan Riau 4,932 5,209
Lampung 20,262 37,690
DKI Jakarta 14,626 1,252
Jawa Barat 270,783 326,236
Banten 162,493 69,965
Jawa Tengah 97,406 46,100
DI Yogyakarta 45,461 36,269
Jawa Timur 157,886 171,816
Bali 4,310 857
Kalimantan Barat - -
Kalimantan Tengah - -
Kalimantan Timur - -
Kalimantan Selatan 12,552 1,620
Sulawesi Utara - -
Gorontalo - -
Sulawesi Barat - -
Sulawesi Tengah - -
Sulawesi Tenggara - -
Sulawesi Selatan 23,428 51,685
Maluku - -
Maluku Utara - -
NTB 31,606 5,419
NTT - -
Irian Jaya Barat - -
Papua 264 538
50

Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syairah Berdasarkan Kota/Kabupaten
(Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District)
Kota/Kabupaten Pembiayaan Dana Pihak Ketiga
Propinsi FDR
(City/District) (Financing) (Depositor Funds)
Banten Kab. Tangerang 584 885 66.03%
Kab. Serang 335 440 76.08%
Kotif Cilegon 442 698 63.37%
Kodya Tangerang 465 795 58.52%
Jawa Barat Kab. Bekasi 644 1,196 53.85%
Kab. Purwakarta 166 107 155.22%
Kab. Bogor 90 112 81.06%
Kab. Cianjur 87 64 135.70%
Kab. Bandung 1 19 7.57%
Kab. Tasikmalaya 18 0 7546.58%
Kab. Majalengka 20 4 521.96%
Kodya Bandung 2,422 2,869 84.41%
Kodya Bogor 903 1,112 81.21%
Kodya Sukabumi 147 72 204.41%
Kodya Cirebon 678 436 155.50%
Kotif Tasikmalaya 405 231 175.27%
Kotif Cimahi 94 89 105.05%
Kotif Depok 322 445 72.46%
Kotif Bekasi 962 1,218 79.01%
DKI Jakarta Wil. Kota Jakarta Pusat 14,766 13,363 110.50%
Wil. Kota Jakarta Utara 988 1,104 89.50%
Wil. Kota Jakarta Barat 615 533 115.36%
Wil. Kota Jakarta Selatan 6,494 11,005 59.01%
Wil. Kota Jakarta Timur 1,585 2,265 69.96%
DIY Kab. Sleman 5 35 15.33%
Kodya Yogyakarta 803 1,089 73.70%
Jawa Tengah Kab. Tegal 152 65 232.81%
Kab. Kudus 97 62 156.71%
Kab. Banyumas 280 190 147.51%
Kab. Cilacap 23 28 84.50%
Kodya Semarang 1,166 1,215 95.96%
Kodya Pekalongan 477 415 114.82%
Kodya Tegal 10 1 754.17%
Kodya Surakarta 1,422 1,014 140.15%
Jawa Timur Kotif Purwokerto 13 16 78.33%
Kab. Gresik 153 81 187.73%
Kab. Sidoarjo 1 48 1.16%
Kab. Pamekasan 92 101 91.20%
Kab. Banyuwangi 67 29 229.95%
Kab. Jember 327 195 167.74%
Kab. Bojonegoro 75 87 86.28%
Kodya Surabaya 2,607 2,760 94.45%
Kodya Malang 926 680 136.17%
Kodya Kediri 532 1,165 45.65%
Kodya Madiun 33 13 153.90%
Bengkulu Kodya Bengkulu 289 178 161.93%
Jambi Kodya Jambi 591 322 183.39%
NAD Kodya Banda Aceh 835 861 96.95%
Kotif Lhokseumawe 229 106 215.63%
Kotif Langsa 165 67 245.67%
Kotif Simeulue 139 71 196.90%
Sumatera Utara Kab. Langkat 315 107 274.16%
Kab. Labuhan Ratu 239 100 239.21%
Kodya Tebing Tinggi 92 79 115.92%
Kodya Pematang Siantar 529 169 313.81%
Kodya Tanjung Balai 34 66 51.91%
Kodya Sibolga 8 1 1075.93%
Kodya Medan 1,851 1,637 113.09%
Sumatera Barat Kotif Padang Sidempuan 333 245 135.96%
Kodya Bukittinggi 427 323 132.11%
Kodya Padang 758 718 105.47%
Kodya Payakumbug 88 25 349.44%
Riau Kab. Bengkalis 74 131 56.48%
Kodya Pekanbaru 1,189 991 120.00%
Kotif Dumai 153 164 93.76%
Kep. Riau Kotif Tanjungpinang 225 177 127.38%
Kodya Pulau Batam 506 255 198.41%
Sumatera Selatan Kodya Palembang 1,202 1,185 101.44%
Kotif Baturaja 121 64 188.57%
kotif Lubuklinggau 37 10 374.01%
Kotif Prabumulih 93 35 262.42%
Bangka Belitung Kodya Pangkal Pinang 101 83 120.93%
Lampung Kab. Lampung Tengah 122 68 179.63%
Kodya Bandar Lampung 666 461 144.40%
Kalimantan Selatan Kab. Banjar 44 44 98.88%
Kab. Hulu Sungai Selatan 55 37 149.43%
Kodya Banjarmasin 1,014 954 106.31%
Kalimantan Barat Kab. Ketapang 28 65 43.28%
Kodya Pontianak 660 558 118.36%
Kalimantan Timur Kab. Kutai 151 136 111.07%
Kab. Pasir 10 0 3416.08%
Kodya Samarinda 732 918 79.66%
Kodya Balikpapan 597 605 98.74%
Kalimantan Tengah Kodya Palangkaraya 69 103 67.11%
Sulawesi Tengah Kodya Palu 324 238 136.43%
Sulawesi Selatang Kab. Wajo 34 21 161.03%
Kodya Makassar 1,489 987 150.92%
Kab. Maros 52 22 235.04%
Sulawesi Barat Kab. Mamuju 38 34 112.64%
Sulawesi Utara Kodya Manado 218 104 208.45%
Gorontalo Kodya Gorontalo 148 120 123.20%
Sulawesi Tenggara Kodya Kendari 181 207 87.58%
Nusa Tenggara Barat Kab. Lombok Barat 7 1 1268.46%
Kab. Lombok Timur 76 23 324.20%
Kodya Mataram 428 340 126.11%
Bali Kab. Badung 28 3 1096.45%
Kodya Denpasar 221 206 107.35%
Nusa Tenggara Timur Kodya Kupang 56 47 117.95%
Maluku Utara Kodya Ambon 13 59 21.66%
Irian Jaya Barat Kab. Sorong 80 73 109.41%
Kodya Sorong 2 4 49.84%
Papua Kodya Jayapura 251 167 150.51%
Maluku Utara Kotif Ternate 57 98 58.71%
LUAR INDONESIA DI LUAR INDONESIA 2 689 0.34%
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)
Miliar rupiah (in Billion IDR)

80,000,000
70,000,000
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
-
Sep-09 Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan yang Diberikan (Financing)
52
Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah

(Assets, Depositor Funds and Financing - Islamic Rural Bank )
Juta rupiah (in Million IDR)
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
-
Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing)
53
Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah
FDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit
45.00% 100.00%
40.00% 98.00%
35.00% 96.00%
30.00% 94.00%
25.00% 92.00%
20.00% 90.00%
15.00% 88.00%
10.00% 86.00%
5.00% 84.00%
0.00% 82.00%
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
54
Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah
(FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)
35.00% 145.00%
30.00% 140.00%
25.00%
135.00%
20.00%
130.00%
15.00%
125.00%
10.00%
5.00% 120.00%
0.00% 115.00%
% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)
55
Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah
(Source of Funds - Islamic Commercial Bank and Islamic Business Unit)
Pinjaman yang Diterima

(Received Borrowing)
Surat Berharga
0.3%
(Securities)
0.8%
Modal
Kewajiban Kepada Bank Lain (Inter- (Capital)
bank Liabilities) 5.2%
Dana Pihak Ketiga
6.3% (Depositor Funds)
87.4%
September 2010 (September 2010)
56
Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah

(Source of Funds - Islamic Rural Bank)
Modal Kewajiban Lainnya

(Capital) (Other Liabilities)
14.8% 0.7%
Pinjaman yang Diterima
(Received Borrowing)
3.8% Dana Pihak Ketiga
(Depositor Funds)
64.3%
Kewajiban Kepada Bank Lain

(Liabilities to other bank)
16.3%
57
Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah
(Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)
Surat Berharga Penyertaan

(Investment in Securities) (Equity participation)
5.9% 0.1% Tagihan Lainnya
Penempatan di BI
(Billing and Acceptable Liabilities)
(Placement at BI)
0.4%
6.0%
Penempatan di Bank Lain PYD

(Inter - bank assets ) (Financing)
4.4% 83.3%
58
Grafik 8. Penyaluran Dana Bank Pembiayaan Rakyat Syariah

(Placement of Funds - Islamic Rural Bank)
Penempatan di Bank Lain
(Inter - bank assets )
15.2%
PYD
(Financing)
84.8%
59
Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah
Triliun Rupiah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)
(in Trillion IDR)
65.00 10%
60.00 Pembiayaan Yang Diberikan (Financing) NPF (percentage)

9%
55.00
8%
50.00
45.00 7%
40.00 6%
35.00
5%
30.00
25.00 4%
20.00 3%
15.00
2%
10.00
1%
5.00
0.00 0%
60
Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah
Juta Rupiah (Trend of Financing and NPF - Islamic Rural Bank)
(in Million IDR)
12%
2,000,000.00
Pembiayaan Yang Diberikan (Financing) NPF (percentage)
1,800,000.00
10%
1,600,000.00
1,400,000.00 8%
1,200,000.00
1,000,000.00 6%
800,000.00
4%
600,000.00
400,000.00
2%
200,000.00
0.00 0%
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)
2.50% 100.00%
90.00%
2.00% 80.00%
70.00%
1.50% 60.00%
50.00%
1.00% 40.00%
30.00%
0.50% 20.00%
10.00%
0.00% 0.00%
ROA (Left Axis) ROE (Islamic Commercial Bank only - Right Axis) BOPO (Right Axis)
62
Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah
(Trend of BOPO, ROA and ROE - Islamic Rural Bank)
4.50% 90.00%
4.00% 80.00%
3.50% 70.00%
3.00% 60.00%
2.50% 50.00%
2.00% 40.00%
1.50% 30.00%
1.00% 20.00%
0.50% 10.00%
0.00% 0.00%
ROA (Left Axis) ROE (Right Axis) BOPO (Right Axis)
63

2010 Perbankan Syariah Statistics Sept

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2010 Perbankan Syariah Statistics Sept

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Statistik Perbankan Syariah

(Islamic Banking Statistics)

Direktorat Perbankan Syariah

DAFTAR SINGKATAN ABBREVIATIONS

PYD : Pembiayaan yang Diberikan

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

Bank Umum Syariah (Islamic Commercial Bank)

- Jumlah Bank (Number of Banks) 3 3 3 5 6 5 6 6 6 6 7 8 9 10 10 10 10 10

Unit Usaha Syariah (Islamic Business Unit) -

Jumlah Bank Umum Konvensional yang

Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi

Tabel 4. Layanan Syariah (Office Channeling)

Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)

Miliar Rupiah (in Billion IDR )

12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - 13 - - - - - 3 3 3 3 3 8 9 14 19

Juta Rupiah (in Million IDR)

Miliar Rupiah (in Billion IDR)

D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) 16 25 33 78 (73) 0 0 0 (73) 0 0 0 0 0 0 0 2 2

Juta Rupiah (in Million IDR)

Miliar Rupiah (in Billion IDR)

2 Biaya pendidikan dan pelatihan (Cost of education and training) 20 19 19 32 45 28 31 34 45 4 7 12 17 22 29 37 41 45

Juta Rupiah (in Million IDR)

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

Miliar Rupiah (in Billion IDR)

Tagihan Komitmen (Claim comintment )

Juta Rupiah (in Million IDR)

Tagihan Komitmen (Claim comintment )

Miliar Rupiah (in Billion IDR)

e > 12 Bulan (> 12 months) 1 245 9 6 1 1 1 1 1 1 0 0 0 6 6 1 1 1

Juta Rupiah ( in Million IDR )

Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah

(Depositor Funds Composition of Islamic Rural Bank)

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

Miliar Rupiah (in Billion IDR)

SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank

Miliar Rupiah (in Billion IDR)

Surat Berharga Pasar Keuangan Syariah (Islamic Financial

Surat Berharga Pasar Modal Syariah (Islamic Capital Market

Miliar Rupiah (in Billion IDR )

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

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

Juta Rupiah ( in Million IDR)

Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

(Financing Composition of Islamic Rural Bank)

Miliar Rupiah (in Billion IDR )

SEKTOR EKONOMI 2009 2010

Juta Rupiah (in Million IDR )

Miliar Rupiah (in Billion IDR)

JENIS PENGGUNAAN 2009 2010

Juta Rupiah (in Million IDR)

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

JENIS PENGGUNAAN 2009 2010

Miliar Rupiah (in Billion IDR)

GOLONGAN PEMBIAYAAN 2009 2010

Small and Medium Enterprises

Non Small and Medium Enterprises

Juta Rupiah (in Million IDR)

Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

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

GOLONGAN PEMBIAYAAN 2009 2010

Small and Medium Enterprises

Non Small and Medium Enterprises

Miliar Rupiah (in Billion IDR)

KOLEKTIBILITAS PEMBIAYAAN 2009 2010