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II.30. SUKU BUNGA KREDIT RUPIAH MENURUT KELOMPOK BANK 1) (Persen Per Tahun)
Kelompok Bank
1
Bank Persero - Modal Kerja
1990
1991
1992
1993
1994
1995
Dec
Dec
Dec
Dec
Dec
Dec
21.2
25.1
21.2
18.2
15.5
17.2
20.3
19.3
17.9
15.2
14.1
14.8
-
-
-
-
-
-
2
Bank Persero - Investasi
3
Bank Persero - Konsumsi
4
Bank Pemerintah Daerah - Modal Kerja
22.0
23.2
24.0
22.8
20.8
20.8
5
Bank Pemerintah Daerah - Investasi
19.0
19.1
19.2
18.1
16.6
15.9
6
Bank Pemerintah Daerah - Konsumsi
-
-
-
-
-
-
7
Bank Swasta Nasional - Modal Kerja
25.5
25.1
23.1
19.4
18.6
20.5
8
Bank Swasta Nasional - Investasi
20.5
19.3
21.6
19.0
17.9
20.1
9
Bank Swasta Nasional - Konsumsi
-
-
-
-
-
-
10
Bank Asing dan Bank Campuran - Modal Kerja
22.8
23.7
19.3
14.7
15.9
18.2 19.1
11
Bank Asing dan Bank Campuran - Investasi
23.4
23.2
20.9
19.5
16.8
12
Bank Asing dan Bank Campuran - Konsumsi
-
-
-
-
-
-
13
Bank Umum - Modal Kerja
-
-
-
18.7
17.8
19.3
14
Bank Umum - Investasi
-
-
-
15.8
14.9
16.1
15
Bank Umum - Konsumsi
-
-
-
-
-
-
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
46
Bank Indonesia
I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS (Percent Per Annum)
1996
1997
1998
1999
2000
2001
2002
2003
Dec
Dec
Dec
Dec
Dec
Dec
Dec
Dec
16.9
18.5
25.1
26.2
19.9
19.2
18.9
16.2
15.0
15.4
19.4
21.0
16.4
17.1
17.5
15.5
-
-
-
-
-
16.4
16.8
16.0
20.5
21.5
27.8
24.1
20.5
20.5
19.9
19.1
15.3
15.3
16.0
14.9
16.2
17.8
17.9
17.2
-
-
-
-
-
17.7
17.4
16.8
20.2
23.7
36.4
32.6
17.8
19.2
18.2
14.7
19.7
22.0
36.1
32.9
18.0
19.0
18.3
15.8
-
-
-
-
-
21.6
21.7
18.8
17.1
20.7
43.3
29.6
16.0
19.1
15.7
11.0
19.6
21.0
34.9
34.1
15.6
18.6
16.1
12.6
-
-
-
-
-
32.9
34.6
34.5
19.0
22.0
32.3
28.9
18.4
19.2
18.3
15.1
16.4
17.3
23.2
22.9
16.6
17.9
17.8
15.7
-
-
-
-
-
19.9
20.2
18.7
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
47
Group of Banks
Rupiah
Foreign Currency
Rupiah and Foreign Currency
Bank Indonesia
Group of Banks
Rupiah
1
State Banks
2
Regional Government Banks
3
Private Nasional Banks
4
Foreign Banks and Joint Banks
5
Foreign Currency
6
State Banks
7
Regional Government Banks
8
Private Nasional Banks Foreign Banks and Joint Banks Rupiah and Foreign Currency
9 10 11
State Banks
12
Regional Government Banks
13
Private Nasional Banks
14
Foreign Banks and Joint Banks
15
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
48
Bank Indonesia
I.31 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT KELOMPOK BANK 1) (Persen Per Tahun)
1999
2000
2001
2002
2003
2004
2005
Dec
Dec
Dec
Dec
Dec
Dec
Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
-
-
-
-
-
-
-
19.15
18.85
16.18
14.32
15.71
Kelompok Bank dan Jenis Pinjaman
1
Bank Persero
2
Pinjaman Modal Kerja Yang Diberikan
26.22
19.85
3
Pinjaman Investasi Yang Diberikan
20.97
16.35
17.11
17.50
15.54
14.10
14.98
4
Pinjaman Konsumsi Yang Diberikan
-
-
16.43
16.80
16.04
14.62
15.23
-
-
-
-
-
-
-
5
Bank Pemerintah Daerah
6
Pinjaman Modal Kerja Yang Diberikan
24.08
20.53
20.48
19.93
19.08
17.54
16.85
7
Pinjaman Investasi Yang Diberikan
14.86
16.23
17.76
17.89
17.20
16.24
15.51
8
Pinjaman Konsumsi Yang Diberikan
-
-
17.72
17.40
16.82
15.10
14.19
-
-
-
-
-
-
-
9
Bank Swasta Nasional
10
Pinjaman Modal Kerja Yang Diberikan
32.58
17.76
19.16
18.21
14.66
13.13
16.95
11
Pinjaman Investasi Yang Diberikan
32.93
18.04
19.02
18.30
15.75
13.91
16.23
12
Pinjaman Konsumsi Yang Diberikan
-
-
21.55
21.67
18.80
15.93
16.06
-
-
-
-
-
-
-
9.33
14.50
13
Bank Asing dan Bank Campuran
14
Pinjaman Modal Kerja Yang Diberikan
29.59
15.95
19.09
15.71
11.02
15
Pinjaman Investasi Yang Diberikan
34.12
15.62
18.55
16.09
12.60
11.44
15.55
16
Pinjaman Konsumsi Yang Diberikan
-
-
32.91
34.61
34.50
32.90
32.01
-
-
-
-
-
-
-
17
Bank Umum
18
Pinjaman Modal Kerja Yang Diberikan
28.89
18.43
19.19
18.25
15.07
13.41
16.23
19
Pinjaman Investasi Yang Diberikan
22.93
16.59
17.90
17.82
15.68
14.05
15.66
20
Pinjaman Konsumsi Yang Diberikan
-
-
19.85
20.21
18.69
16.57
16.83
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
86
Bank Indonesia
I.31 INTEREST RATE OF RUPIAH LOANS BY G (Percent Per Annum) 12
13
14
15
16
17
18
19
2006
2007
2008
2009
Dec
Dec
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
1-Dec
1-Dec
1-Dec
1-Jan
1-Feb
1-Mar
1-Apr
1-May
1-Jun
1-Jul
-
-
-
-
-
-
-
-
-
-
15.36
13.47
14.61
14.59
14.48
14.45
14.38
14.28
14.16
14.17
14.98
12.93
13.85
13.83
13.66
13.55
13.51
13.39
13.28
13.18
15.26
14.03
13.84
13.90
13.91
13.92
13.92
13.91
14.06
14.02
-
-
-
-
-
-
-
-
-
-
16.60
15.33
14.43
14.44
14.32
14.29
14.21
14.16
14.16
14.16
15.28
14.61
13.52
13.55
13.48
13.32
13.29
13.25
13.20
13.13
14.16
13.82
14.06
14.07
14.10
14.12
14.17
14.22
14.23
14.23
-
-
-
-
-
-
-
-
-
-
15.41
12.96
15.90
15.99
15.84
15.69
15.48
15.32
15.15
15.07
15.42
13.11
14.85
14.83
14.72
14.52
14.58
14.52
14.33
14.14
17.20
14.69
15.91
15.95
16.19
16.27
16.48
16.61
16.66
16.77
-
-
-
-
-
-
-
-
-
-
11.42
10.23
14.58
14.46
14.14
14.11
13.73
13.45
13.27
12.90
13.21
10.56
15.00
14.95
14.75
14.40
14.24
13.74
13.53
12.74
35.74
36.24
35.32
35.41
35.39
34.99
34.76
35.09
35.23
35.39
-
-
-
-
-
-
-
-
-
-
15.07
13.00
15.22
15.23
15.08
14.99
14.82
14.68
14.52
14.45
15.10
13.01
14.40
14.37
14.23
14.05
14.05
13.94
13.78
13.58
17.58
16.13
16.40
16.45
16.53
16.46
16.48
16.57
16.63
16.66
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
87
Bank Indonesia
UPIAH LOANS BY GROUP OF BANKS ent Per Annum) 20 2009
Group of Banks and Type of Loans Aug
Sep
Oct
Nov
Dec
1-Aug
1-Sep
1-Oct
1-Nov
-
-
-
-
-
14.08
14.03
14.00
13.90
13.63
Working Capital Loans
2
13.21
12.78
12.66
12.58
12.56
Investment Loans
3
14.00
13.98
13.92
13.90
13.88
Consumer Loans
4
-
-
-
-
-
14.14
14.10
14.07
14.02
12.81
12.76
12.66
14.25
14.25
14.24
-
-
14.89
1-Dec ###
State Banks
1
Regional Government Banks
5
13.91
Working Capital Loans
6
12.59
12.54
Investment Loans
7
14.22
14.17
Consumer Loans
8
-
-
-
Private National Banks
9
14.67
14.56
14.38
14.09
Working Capital Loans
13.94
13.80
13.70
13.62
13.51
Investment Loans
11
16.71
16.82
16.62
16.58
16.22
Consumer Loans
12
-
-
-
-
-
12.57
12.34
12.20
12.17
11.73
Working Capital Loans
14
12.58
12.27
12.51
12.34
12.22
Investment Loans
15
35.37
35.28
35.24
34.97
35.59
Consumer Loans
16
-
-
-
-
-
14.30
14.17
14.09
13.96
13.69
Working Capital Loans
18
13.48
13.20
13.12
13.03
12.96
Investment Loans
19
16.62
16.67
16.53
16.47
16.42
Consumer Loans
20
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
88
Foreign Banks and Joint Banks
Commercial Banks
10
13
17
Bank Indonesia
I.26 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT BANK (Persen PerKELOMPOK Tahun) I.26 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS (Percent Per Annum) KELOMPOK BANK DAN JENIS PINJAMAN
2010
2011
2012
2013
2014
1
Bank Persero
2 3 4 5
Bank Pemerintah Daerah
0
0
0
0
0
6
Pinjaman Modal Kerja Yang Diberikan
13.57
13.52
13.66
13.37
13.63
7
Pinjaman Investasi Yang Diberikan
12.44
12.4
12.25
12.23
12.38
8
Pinjaman Konsumsi Yang Diberikan
14.1
13.91
13.78
13.34
13.43
9
Bank Swasta Nasional
0
0
0
0
0
13.02
12.34
11.68
12.55
13.36
0
0
0
0
0
Pinjaman Modal Kerja Yang Diberikan
13.06
12.37
11.7
11.94
12.5
Pinjaman Investasi Yang Diberikan
10.81
10.39
10.08
10.84
11.47
Pinjaman Konsumsi Yang Diberikan
13.05
12.91
12.34
11.88
12.56
10
Pinjaman Modal Kerja Yang Diberikan
11
Pinjaman Investasi Yang Diberikan
13.2
12.64
11.88
12.51
13.11
12
Pinjaman Konsumsi Yang Diberikan
14.05
13.58
12.98
12.91
13.39
13
Bank Asing dan Bank Campuran
0
0
0
0
0
14
Pinjaman Modal Kerja Yang Diberikan
10.23
8.71
7.9
9.84
10.49
15
Pinjaman Investasi Yang Diberikan
11.82
14.89
9.47
10.71
10.93
16
Pinjaman Konsumsi Yang Diberikan
31.66
30.73
30.92
27.36
28.41
17
Bank Umum
0
0
0
0
0
18
Pinjaman Modal Kerja Yang Diberikan
12.83
12.16
11.49
12.12
12.79
19
Pinjaman Investasi Yang Diberikan
12.28
12.04
11.27
11.82
12.36
20
Pinjaman Konsumsi Yang Diberikan
14.53
14.15
13.58
13.13
13.58
Sejak periode data Agustus 2017, terdapat Perubahan cakupan Bank Swasta Nasional dan Pemerintah akibat adanya perubahan status pada salah satu bank
Since the data period of August 2017, there is a change of coverage of National Private Bank and Government Bank due to status change for one of the banks
2015 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
0
-
-
-
-
-
-
-
-
-
Oct -
12.3
12.26
12.16
12.05
11.83
11.68
11.52
11.44
11.36
11.19
11.15
11.35
11.34
11.27
11.18
11.04
10.99
10.89
10.84
10.81
10.72
10.71
13.08
13.17
13.21
13.2
13.24
13.28
13.22
13.22
13.21
13.18
13.13
0
-
-
-
-
-
-
-
-
-
-
13.5
13.46
13.22
13.14
13.12
12.62
12.8
12.78
12.75
12.76
12.69
12.19
12.18
12.17
12.16
12.09
11.81
11.77
11.63
11.61
11.76
11.6
13.49
13.5
13.5
13.5
13.46
13.2
13.24
13.23
13.19
13.17
13.15
0
-
-
-
-
-
-
-
-
-
-
12.82
12.88
12.88
12.81
12.73
12.58
12.43
12.4
12.38
12.31
12.31
12.77
12.48
12.49
12.4
12.32
12.18
12.08
12.04
12.02
11.97
11.98
13.66
13.7
13.65
13.61
13.59
13.58
13.57
13.56
13.42
13.4
13.38
0
-
-
-
-
-
-
-
-
-
-
10.79
10.71
10.51
10.06
9.9
9.75
9.64
9.61
9.44
9.35
9.27
11.25
11.25
11.12
10.83
10.52
10.34
10.28
10.35
10.37
10.29
10.16
28.93
28.94
28.93
29.23
29.26
29.25
29.36
29.15
28.69
28.76
28.63
0
-
-
-
-
-
-
-
-
-
-
12.46
12.46
12.4
12.28
12.14
11.97
11.82
11.78
11.73
11.61
11.59
12.12
11.96
11.93
11.83
11.71
11.6
11.49
11.45
11.42
11.36
11.34
13.88
13.94
13.93
13.91
13.91
13.86
13.83
13.82
13.74
13.72
13.68
2016 Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
-
-
0
-
-
-
-
-
-
-
Aug -
11.09
10.86
10.86
10.89
10.86
10.78
10.89
10.87
10.81
10.82
10.81
10.63
10.43
10.43
10.45
10.4
10.36
10.55
10.48
10.48
10.46
10.45
13.09
13.04
13.04
13.06
13.04
12.97
13.05
12.87
12.78
12.77
12.72
-
-
0
-
-
-
-
-
-
-
-
12.65
12.59
12.59
12.48
12.32
12.17
12.14
12.32
11.97
12
12.02
11.42
11.49
11.49
11.46
11.48
11.47
11.42
10.43
10.51
11.35
11.31
13.12
13.11
13.11
13.1
13.1
13.06
13.04
13.01
12.98
12.96
12.94
-
-
0
-
-
-
-
-
-
-
-
12.22
12.1
12.1
12.07
11.96
11.91
11.82
11.73
11.7
11.6
11.62
12.05
11.94
11.94
11.88
11.78
11.74
11.65
11.52
11.58
11.48
11.37
13.35
13.28
13.28
13.24
13.2
13.1
13.2
13.12
12.95
12.83
12.61
-
-
0
-
-
-
-
-
-
-
-
9.21
9.21
9.21
9.04
8.95
8.88
8.74
8.66
8.77
8.61
8.48
10.12
10.32
10.32
10.03
9.91
9.83
9.82
9.85
9.91
9.87
9.82
28.51
28.45
28.45
28.19
28.03
27.85
27.85
27.86
25.58
25.3
25.13
-
-
0
-
-
-
-
-
-
-
-
11.52
11.36
11.36
11.34
11.26
11.19
11.2
11.15
11.12
11.07
11.07
11.33
11.21
11.21
11.17
11.1
11.05
11.1
10.96
11
10.97
10.91
13.65
13.59
13.59
13.58
13.56
13.48
13.48
13.37
13.21
13.14
13.03
2017 Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
-
-
-
-
-
-
-
-
-
Jun -
10.77
10.76
10.69
10.54
10.66
10.66
10.53
10.45
10.4
10.36
10.42
10.38
10.34
10.29
10.26
10.22
10.17
10.02
10.01
10.06
12.67
12.61
12.53
12.35
12.35
12.27
12.13
12.07
12.01
12
-
-
-
-
-
-
-
-
-
-
12.11
12
11.95
11.74
11.6
11.56
11.54
11.48
11.5
11.52
11.63
11.54
11.5
11.39
11.58
11.23
11.32
11.3
11.25
11.25
12.93
12.88
12.83
12.77
12.77
12.75
12.67
12.63
12.59
12.56
-
-
-
-
-
-
-
-
-
-
11.5
11.44
11.34
11.12
11.12
11.06
10.99
10.94
10.9
10.88
11.23
11.2
11.03
10.89
10.81
10.72
10.69
10.65
10.63
10.67
12.53
12.41
12.24
12.17
12.13
12.06
11.95
11.9
11.84
11.79
-
-
-
-
-
-
-
-
-
-
8.27
8.05
7.97
7.83
7.83
7.77
7.71
7.77
8.03
8.29
9.5
9.12
8.95
8.84
8.75
8.67
8.58
8.64
8.87
9.31
25.16
25.66
25.08
24.9
24.96
25.07
24.94
24.62
24.5
24.17
-
-
-
-
-
-
-
-
-
-
10.99
10.94
10.87
10.68
10.72
10.69
10.59
10.53
10.51
10.49
10.83
10.78
10.66
10.56
10.51
10.43
10.38
10.3
10.29
10.35
12.97
12.91
12.78
12.66
12.64
12.6
12.48
12.4
12.34
12.3
10.13%
2018 Jul
Aug
Sep
Oct
2019
Nov
Dec
Jan
-
-
-
-
10.32
10.19
10.14
10.11
10.04
10.00
10.20
10.06
10.05
10.07
10.06
10.34
10.34
10.13
11.92
11.46
11.39
11.33
11.28
11.20
11.20
-
-
-
-
11.55
11.46
11.39
11.52
11.54
11.23
11.19
11.21
11.19
11.17
11.21
11.17
11.05
11.00
12.53
12.48
12.42
12.36
12.30
12.21
12.19
-
-
-
-
11
10.95
11.24
10.97
11.02
10.95
10.99
10.64
10.66
11.02
10.67
10.69
10.67
10.60
11.63
11.56
11.52
11.41
11.44
11.41
11.35
-
-
-
-
8.47
8.61
8.65
8.79
8.98
8.04
9.07
9.59
9.66
9.71
9.78
9.85
7.56
9.94
24.12
24.12
24.01
24
23.96
23.87
24.30
-
-
-
-
10.55
10.48
10.59
10.47
10.48
10.34
10.52
10.36
10.37
10.54
10.38
10.51
10.38
10.38
12.2
11.96
11.9
11.83
11.80
11.73
11.72
GROUP OF BANKS AND TYPE OF LOANS State Banks
1
Working Capital Loans
2
Investment Loans
3
Consumer Loans
4
Regional Government Banks
5
Working Capital Loans
6
Investment Loans
7
Consumer Loans
8
Private National Banks Working Capital Loans
9 10
Investment Loans
11
Consumer Loans
12
Foreign Banks and Joint Banks
13
Working Capital Loans
14
Investment Loans
15
Consumer Loans
16
Commercial Banks
17
Working Capital Loans
18
Investment Loans
19
Consumer Loans
20
Kelompok Bank
1
Bank Persero - Modal Kerja
1990
1991
1992
1993
1994
1995
Dec
Dec
Dec
Dec
Dec
Dec
21.2
25.1
21.2
18.2
15.5
17.2
20.3
19.3
17.9
15.2
14.1
14.8
-
-
-
-
-
-
2
Bank Persero - Investasi
3
Bank Persero - Konsumsi
4
Bank Pemerintah Daerah - Modal Kerja
22.0
23.2
24.0
22.8
20.8
20.8
5
Bank Pemerintah Daerah - Investasi
19.0
19.1
19.2
18.1
16.6
15.9
6
Bank Pemerintah Daerah - Konsumsi
-
-
-
-
-
-
7
Bank Swasta Nasional - Modal Kerja
25.5
25.1
23.1
19.4
18.6
20.5
8
Bank Swasta Nasional - Investasi
20.5
19.3
21.6
19.0
17.9
20.1
9
Bank Swasta Nasional - Konsumsi
-
-
-
-
-
-
10
Bank Asing dan Bank Campuran - Modal Kerja
22.8
23.7
19.3
14.7
15.9
18.2 19.1
11
Bank Asing dan Bank Campuran - Investasi
23.4
23.2
20.9
19.5
16.8
12
Bank Asing dan Bank Campuran - Konsumsi
-
-
-
-
-
-
13
Bank Umum - Modal Kerja
-
-
-
18.7
17.8
19.3
14
Bank Umum - Investasi
-
-
-
15.8
14.9
16.1
15
Bank Umum - Konsumsi
-
-
-
-
-
-
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
46
Bank Indonesia
I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS (Percent Per Annum)
1996
1997
1998
1999
2000
2001
2002
2003
Dec
Dec
Dec
Dec
Dec
Dec
Dec
Dec
16.9
18.5
25.1
26.2
19.9
19.2
18.9
16.2
15.0
15.4
19.4
21.0
16.4
17.1
17.5
15.5
-
-
-
-
-
16.4
16.8
16.0
20.5
21.5
27.8
24.1
20.5
20.5
19.9
19.1
15.3
15.3
16.0
14.9
16.2
17.8
17.9
17.2
-
-
-
-
-
17.7
17.4
16.8
20.2
23.7
36.4
32.6
17.8
19.2
18.2
14.7
19.7
22.0
36.1
32.9
18.0
19.0
18.3
15.8
-
-
-
-
-
21.6
21.7
18.8
17.1
20.7
43.3
29.6
16.0
19.1
15.7
11.0
19.6
21.0
34.9
34.1
15.6
18.6
16.1
12.6
-
-
-
-
-
32.9
34.6
34.5
19.0
22.0
32.3
28.9
18.4
19.2
18.3
15.1
16.4
17.3
23.2
22.9
16.6
17.9
17.8
15.7
-
-
-
-
-
19.9
20.2
18.7
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
47
Group of Banks
Rupiah
Foreign Currency
Rupiah and Foreign Currency
Bank Indonesia
Group of Banks
Rupiah
1
State Banks
2
Regional Government Banks
3
Private Nasional Banks
4
Foreign Banks and Joint Banks
5
Foreign Currency
6
State Banks
7
Regional Government Banks
8
Private Nasional Banks Foreign Banks and Joint Banks Rupiah and Foreign Currency
9 10 11
State Banks
12
Regional Government Banks
13
Private Nasional Banks
14
Foreign Banks and Joint Banks
15
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
48
Bank Indonesia
I.31 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT KELOMPOK BANK 1) (Persen Per Tahun)
1999
2000
2001
2002
2003
2004
2005
Dec
Dec
Dec
Dec
Dec
Dec
Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
1-Dec
-
-
-
-
-
-
-
19.15
18.85
16.18
14.32
15.71
Kelompok Bank dan Jenis Pinjaman
1
Bank Persero
2
Pinjaman Modal Kerja Yang Diberikan
26.22
19.85
3
Pinjaman Investasi Yang Diberikan
20.97
16.35
17.11
17.50
15.54
14.10
14.98
4
Pinjaman Konsumsi Yang Diberikan
-
-
16.43
16.80
16.04
14.62
15.23
-
-
-
-
-
-
-
5
Bank Pemerintah Daerah
6
Pinjaman Modal Kerja Yang Diberikan
24.08
20.53
20.48
19.93
19.08
17.54
16.85
7
Pinjaman Investasi Yang Diberikan
14.86
16.23
17.76
17.89
17.20
16.24
15.51
8
Pinjaman Konsumsi Yang Diberikan
-
-
17.72
17.40
16.82
15.10
14.19
-
-
-
-
-
-
-
9
Bank Swasta Nasional
10
Pinjaman Modal Kerja Yang Diberikan
32.58
17.76
19.16
18.21
14.66
13.13
16.95
11
Pinjaman Investasi Yang Diberikan
32.93
18.04
19.02
18.30
15.75
13.91
16.23
12
Pinjaman Konsumsi Yang Diberikan
-
-
21.55
21.67
18.80
15.93
16.06
-
-
-
-
-
-
-
9.33
14.50
13
Bank Asing dan Bank Campuran
14
Pinjaman Modal Kerja Yang Diberikan
29.59
15.95
19.09
15.71
11.02
15
Pinjaman Investasi Yang Diberikan
34.12
15.62
18.55
16.09
12.60
11.44
15.55
16
Pinjaman Konsumsi Yang Diberikan
-
-
32.91
34.61
34.50
32.90
32.01
-
-
-
-
-
-
-
17
Bank Umum
18
Pinjaman Modal Kerja Yang Diberikan
28.89
18.43
19.19
18.25
15.07
13.41
16.23
19
Pinjaman Investasi Yang Diberikan
22.93
16.59
17.90
17.82
15.68
14.05
15.66
20
Pinjaman Konsumsi Yang Diberikan
-
-
19.85
20.21
18.69
16.57
16.83
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
86
Bank Indonesia
I.31 INTEREST RATE OF RUPIAH LOANS BY G (Percent Per Annum) 12
13
14
15
16
17
18
19
2006
2007
2008
2009
Dec
Dec
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
1-Dec
1-Dec
1-Dec
1-Jan
1-Feb
1-Mar
1-Apr
1-May
1-Jun
1-Jul
-
-
-
-
-
-
-
-
-
-
15.36
13.47
14.61
14.59
14.48
14.45
14.38
14.28
14.16
14.17
14.98
12.93
13.85
13.83
13.66
13.55
13.51
13.39
13.28
13.18
15.26
14.03
13.84
13.90
13.91
13.92
13.92
13.91
14.06
14.02
-
-
-
-
-
-
-
-
-
-
16.60
15.33
14.43
14.44
14.32
14.29
14.21
14.16
14.16
14.16
15.28
14.61
13.52
13.55
13.48
13.32
13.29
13.25
13.20
13.13
14.16
13.82
14.06
14.07
14.10
14.12
14.17
14.22
14.23
14.23
-
-
-
-
-
-
-
-
-
-
15.41
12.96
15.90
15.99
15.84
15.69
15.48
15.32
15.15
15.07
15.42
13.11
14.85
14.83
14.72
14.52
14.58
14.52
14.33
14.14
17.20
14.69
15.91
15.95
16.19
16.27
16.48
16.61
16.66
16.77
-
-
-
-
-
-
-
-
-
-
11.42
10.23
14.58
14.46
14.14
14.11
13.73
13.45
13.27
12.90
13.21
10.56
15.00
14.95
14.75
14.40
14.24
13.74
13.53
12.74
35.74
36.24
35.32
35.41
35.39
34.99
34.76
35.09
35.23
35.39
-
-
-
-
-
-
-
-
-
-
15.07
13.00
15.22
15.23
15.08
14.99
14.82
14.68
14.52
14.45
15.10
13.01
14.40
14.37
14.23
14.05
14.05
13.94
13.78
13.58
17.58
16.13
16.40
16.45
16.53
16.46
16.48
16.57
16.63
16.66
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
87
Bank Indonesia
UPIAH LOANS BY GROUP OF BANKS ent Per Annum) 20 2009
Group of Banks and Type of Loans Aug
Sep
Oct
Nov
Dec
1-Aug
1-Sep
1-Oct
1-Nov
-
-
-
-
-
14.08
14.03
14.00
13.90
13.63
Working Capital Loans
2
13.21
12.78
12.66
12.58
12.56
Investment Loans
3
14.00
13.98
13.92
13.90
13.88
Consumer Loans
4
-
-
-
-
-
14.14
14.10
14.07
14.02
12.81
12.76
12.66
14.25
14.25
14.24
-
-
14.89
1-Dec ###
State Banks
1
Regional Government Banks
5
13.91
Working Capital Loans
6
12.59
12.54
Investment Loans
7
14.22
14.17
Consumer Loans
8
-
-
-
Private National Banks
9
14.67
14.56
14.38
14.09
Working Capital Loans
13.94
13.80
13.70
13.62
13.51
Investment Loans
11
16.71
16.82
16.62
16.58
16.22
Consumer Loans
12
-
-
-
-
-
12.57
12.34
12.20
12.17
11.73
Working Capital Loans
14
12.58
12.27
12.51
12.34
12.22
Investment Loans
15
35.37
35.28
35.24
34.97
35.59
Consumer Loans
16
-
-
-
-
-
14.30
14.17
14.09
13.96
13.69
Working Capital Loans
18
13.48
13.20
13.12
13.03
12.96
Investment Loans
19
16.62
16.67
16.53
16.47
16.42
Consumer Loans
20
Statistik Ekonomi Keuangan Indonesia Indonesian Financial Statistics
88
Foreign Banks and Joint Banks
Commercial Banks
10
13
17
Bank Indonesia
I.26 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT BANK (Persen PerKELOMPOK Tahun) I.26 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS (Percent Per Annum) KELOMPOK BANK DAN JENIS PINJAMAN
2010
2011
2012
2013
2014
1
Bank Persero
2 3 4 5
Bank Pemerintah Daerah
0
0
0
0
0
6
Pinjaman Modal Kerja Yang Diberikan
13.57
13.52
13.66
13.37
13.63
7
Pinjaman Investasi Yang Diberikan
12.44
12.4
12.25
12.23
12.38
8
Pinjaman Konsumsi Yang Diberikan
14.1
13.91
13.78
13.34
13.43
9
Bank Swasta Nasional
0
0
0
0
0
13.02
12.34
11.68
12.55
13.36
0
0
0
0
0
Pinjaman Modal Kerja Yang Diberikan
13.06
12.37
11.7
11.94
12.5
Pinjaman Investasi Yang Diberikan
10.81
10.39
10.08
10.84
11.47
Pinjaman Konsumsi Yang Diberikan
13.05
12.91
12.34
11.88
12.56
10
Pinjaman Modal Kerja Yang Diberikan
11
Pinjaman Investasi Yang Diberikan
13.2
12.64
11.88
12.51
13.11
12
Pinjaman Konsumsi Yang Diberikan
14.05
13.58
12.98
12.91
13.39
13
Bank Asing dan Bank Campuran
0
0
0
0
0
14
Pinjaman Modal Kerja Yang Diberikan
10.23
8.71
7.9
9.84
10.49
15
Pinjaman Investasi Yang Diberikan
11.82
14.89
9.47
10.71
10.93
16
Pinjaman Konsumsi Yang Diberikan
31.66
30.73
30.92
27.36
28.41
17
Bank Umum
0
0
0
0
0
18
Pinjaman Modal Kerja Yang Diberikan
12.83
12.16
11.49
12.12
12.79
19
Pinjaman Investasi Yang Diberikan
12.28
12.04
11.27
11.82
12.36
20
Pinjaman Konsumsi Yang Diberikan
14.53
14.15
13.58
13.13
13.58
Sejak periode data Agustus 2017, terdapat Perubahan cakupan Bank Swasta Nasional dan Pemerintah akibat adanya perubahan status pada salah satu bank
Since the data period of August 2017, there is a change of coverage of National Private Bank and Government Bank due to status change for one of the banks
2015 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
0
-
-
-
-
-
-
-
-
-
Oct -
12.3
12.26
12.16
12.05
11.83
11.68
11.52
11.44
11.36
11.19
11.15
11.35
11.34
11.27
11.18
11.04
10.99
10.89
10.84
10.81
10.72
10.71
13.08
13.17
13.21
13.2
13.24
13.28
13.22
13.22
13.21
13.18
13.13
0
-
-
-
-
-
-
-
-
-
-
13.5
13.46
13.22
13.14
13.12
12.62
12.8
12.78
12.75
12.76
12.69
12.19
12.18
12.17
12.16
12.09
11.81
11.77
11.63
11.61
11.76
11.6
13.49
13.5
13.5
13.5
13.46
13.2
13.24
13.23
13.19
13.17
13.15
0
-
-
-
-
-
-
-
-
-
-
12.82
12.88
12.88
12.81
12.73
12.58
12.43
12.4
12.38
12.31
12.31
12.77
12.48
12.49
12.4
12.32
12.18
12.08
12.04
12.02
11.97
11.98
13.66
13.7
13.65
13.61
13.59
13.58
13.57
13.56
13.42
13.4
13.38
0
-
-
-
-
-
-
-
-
-
-
10.79
10.71
10.51
10.06
9.9
9.75
9.64
9.61
9.44
9.35
9.27
11.25
11.25
11.12
10.83
10.52
10.34
10.28
10.35
10.37
10.29
10.16
28.93
28.94
28.93
29.23
29.26
29.25
29.36
29.15
28.69
28.76
28.63
0
-
-
-
-
-
-
-
-
-
-
12.46
12.46
12.4
12.28
12.14
11.97
11.82
11.78
11.73
11.61
11.59
12.12
11.96
11.93
11.83
11.71
11.6
11.49
11.45
11.42
11.36
11.34
13.88
13.94
13.93
13.91
13.91
13.86
13.83
13.82
13.74
13.72
13.68
2016 Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
-
-
0
-
-
-
-
-
-
-
Aug -
11.09
10.86
10.86
10.89
10.86
10.78
10.89
10.87
10.81
10.82
10.81
10.63
10.43
10.43
10.45
10.4
10.36
10.55
10.48
10.48
10.46
10.45
13.09
13.04
13.04
13.06
13.04
12.97
13.05
12.87
12.78
12.77
12.72
-
-
0
-
-
-
-
-
-
-
-
12.65
12.59
12.59
12.48
12.32
12.17
12.14
12.32
11.97
12
12.02
11.42
11.49
11.49
11.46
11.48
11.47
11.42
10.43
10.51
11.35
11.31
13.12
13.11
13.11
13.1
13.1
13.06
13.04
13.01
12.98
12.96
12.94
-
-
0
-
-
-
-
-
-
-
-
12.22
12.1
12.1
12.07
11.96
11.91
11.82
11.73
11.7
11.6
11.62
12.05
11.94
11.94
11.88
11.78
11.74
11.65
11.52
11.58
11.48
11.37
13.35
13.28
13.28
13.24
13.2
13.1
13.2
13.12
12.95
12.83
12.61
-
-
0
-
-
-
-
-
-
-
-
9.21
9.21
9.21
9.04
8.95
8.88
8.74
8.66
8.77
8.61
8.48
10.12
10.32
10.32
10.03
9.91
9.83
9.82
9.85
9.91
9.87
9.82
28.51
28.45
28.45
28.19
28.03
27.85
27.85
27.86
25.58
25.3
25.13
-
-
0
-
-
-
-
-
-
-
-
11.52
11.36
11.36
11.34
11.26
11.19
11.2
11.15
11.12
11.07
11.07
11.33
11.21
11.21
11.17
11.1
11.05
11.1
10.96
11
10.97
10.91
13.65
13.59
13.59
13.58
13.56
13.48
13.48
13.37
13.21
13.14
13.03
2017 Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
-
-
-
-
-
-
-
-
-
Jun -
10.77
10.76
10.69
10.54
10.66
10.66
10.53
10.45
10.4
10.36
10.42
10.38
10.34
10.29
10.26
10.22
10.17
10.02
10.01
10.06
12.67
12.61
12.53
12.35
12.35
12.27
12.13
12.07
12.01
12
-
-
-
-
-
-
-
-
-
-
12.11
12
11.95
11.74
11.6
11.56
11.54
11.48
11.5
11.52
11.63
11.54
11.5
11.39
11.58
11.23
11.32
11.3
11.25
11.25
12.93
12.88
12.83
12.77
12.77
12.75
12.67
12.63
12.59
12.56
-
-
-
-
-
-
-
-
-
-
11.5
11.44
11.34
11.12
11.12
11.06
10.99
10.94
10.9
10.88
11.23
11.2
11.03
10.89
10.81
10.72
10.69
10.65
10.63
10.67
12.53
12.41
12.24
12.17
12.13
12.06
11.95
11.9
11.84
11.79
-
-
-
-
-
-
-
-
-
-
8.27
8.05
7.97
7.83
7.83
7.77
7.71
7.77
8.03
8.29
9.5
9.12
8.95
8.84
8.75
8.67
8.58
8.64
8.87
9.31
25.16
25.66
25.08
24.9
24.96
25.07
24.94
24.62
24.5
24.17
-
-
-
-
-
-
-
-
-
-
10.99
10.94
10.87
10.68
10.72
10.69
10.59
10.53
10.51
10.49
10.83
10.78
10.66
10.56
10.51
10.43
10.38
10.3
10.29
10.35
12.97
12.91
12.78
12.66
12.64
12.6
12.48
12.4
12.34
12.3
10.13%
2018 Jul
Aug
Sep
Oct
2019
Nov
Dec
Jan
-
-
-
-
10.32
10.19
10.14
10.11
10.04
10.00
10.20
10.06
10.05
10.07
10.06
10.34
10.34
10.13
11.92
11.46
11.39
11.33
11.28
11.20
11.20
-
-
-
-
11.55
11.46
11.39
11.52
11.54
11.23
11.19
11.21
11.19
11.17
11.21
11.17
11.05
11.00
12.53
12.48
12.42
12.36
12.30
12.21
12.19
-
-
-
-
11
10.95
11.24
10.97
11.02
10.95
10.99
10.64
10.66
11.02
10.67
10.69
10.67
10.60
11.63
11.56
11.52
11.41
11.44
11.41
11.35
-
-
-
-
8.47
8.61
8.65
8.79
8.98
8.04
9.07
9.59
9.66
9.71
9.78
9.85
7.56
9.94
24.12
24.12
24.01
24
23.96
23.87
24.30
-
-
-
-
10.55
10.48
10.59
10.47
10.48
10.34
10.52
10.36
10.37
10.54
10.38
10.51
10.38
10.38
12.2
11.96
11.9
11.83
11.80
11.73
11.72
GROUP OF BANKS AND TYPE OF LOANS State Banks
1
Working Capital Loans
2
Investment Loans
3
Consumer Loans
4
Regional Government Banks
5
Working Capital Loans
6
Investment Loans
7
Consumer Loans
8
Private National Banks Working Capital Loans
9 10
Investment Loans
11
Consumer Loans
12
Foreign Banks and Joint Banks
13
Working Capital Loans
14
Investment Loans
15
Consumer Loans
16
Commercial Banks
17
Working Capital Loans
18
Investment Loans
19
Consumer Loans
20
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