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BANK & LEMBAGA KEUANGAN NON BANK 1 P rovided By:Irfal Irwant.SE
Asal Muasal ,[object Object],[object Object],[object Object],[object Object]
Sejarah ,[object Object],[object Object]
Bank vs non bank   Penghimpunan dana ,[object Object],[object Object],[object Object]
Bank vs non bank   Penyaluran dana ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Jenis Lemb Keu ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Klasifikasi uang ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Fungsi Bank ,[object Object],[object Object],[object Object]
Financial Intermediaries Unit Defisit Borrowers Unit  Surplus Lenders Bank &  Non Bank Fund Fund Income Income
Otoritas Moneter ,[object Object],[object Object],[object Object],[object Object],[object Object]
Kesehatan Bank ,[object Object],[object Object],[object Object],[object Object]
Kesehatan Bank ,[object Object],[object Object]
Regulasi ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Regulasi ,[object Object],[object Object],[object Object],[object Object]
Regulasi ,[object Object],[object Object]
Regulasi ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Regulasi ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Jenis Bank ,[object Object],[object Object],[object Object]
Bank Umum ,[object Object],[object Object]
BPR ,[object Object],[object Object]
MICROFINANCE  IN  INDONESIA MFIs Bank Non Bank Rural Banks (BPR/BPRS) Act =  The Banking Act No.7/1992 as amended by the Act No.10/1998 License =  Bank Indonesia, the Central Bank Supervision =  The Central Bank Act No.23/1999 BRI Unit  Act =  The Banking Act No.10/1998 License =  Bank Indonesia, the Central Bank Supervision = * BRI Branches   * Bank Indonesia for BRI as a Whole (Commercial Bank) Village Credit Agency (Badan Kredit Desa/BKD) Act =  Banking Act No.10/1998 License =  Based on Decree of Ministry of Finance Supervision =  BRI on behalf of Bank Indonesia Cooperatives (KOSIPA) Act =  Cooperative Act No.25/1992 License =  State Ministry of cooperative & SME Supervision =  State Ministry of cooperative & SME Non Formal Formal LDKP (Village Fund and Credit Institutions)  Act =  --------- License =  Governor of each Province Supervision =  Local Government Level I ,[object Object],[object Object],[object Object],Pawnshop: Owned by the government  Supervision : Ministry of Finance
I. MICROFINANCE PROFILE *) Not including BPR under Syariah principles 4 2 , 199 1,756 1,756 970  Na 970  Na 39, 4 7 3 460 6, 707 3 0 , 090   No. Depositors (thousand) 4 7 ,7 43 549 549 4,286 2,789 966 531 42 ,9 08 23 7 20 , 434 2 7 ,78 9 Total Loan ( Billion Rp) 8,8 97 5 6 , 183 7 4 , 055 17, 564 TOTAL 1,680 567 Na 3,043 SUB TOTAL 1,680  567 Na 3,043 Cooperatives under Syariah Principles (BMT) (Sept-04) B. NON FORMAL 972 1,202 4,996 3,243 SUB TOTAL Na Na 3,474 850 Pawnshop (Dec-04) 317 1,117 1,437 1,296 Village Credit Institution in Bali (LPD) (Dec-04) 655 85 85 1,097 Saving and Loan Coop. (Apr-00) ,[object Object],NON BANK 6, 245 5 4 , 414 6 9,059 11, 278 SUB TOTAL 383   71 3 72 5,345 BKD  (Aug- -0 7 ) 2 ,578   1 7 , 690 2 6 , 080 1.8 23 Rural Bank (BPR)  (Sep -0 7) 3,4 43   44 , 389 4 8 , 535 4,  2 2 9 BRI Unit ( Mar -0 7 ) BANK No. of Debtors (thousand) Total Saving (Billion Rp ) Total Asset ( Billion Rp ) No. of Unit Institution
II. THE HISTORY OF RURAL BANKS ,[object Object],[object Object],[object Object],[object Object],[object Object]
II. THE HISTORY OF RURAL BANKS ,[object Object],[object Object],[object Object],[object Object]
III. RURAL BANK PERFORMANCES . (in billion Rp)   6.5% 9.9% 14.3% 69.3% 2.96% 87,37% 6.83 9.73% 509 365 11,190 6,555 4,581 15,771 2,471 16,948 23,045 1,880 2006 4,8% 11,2% 14,4% 69.6% 2.62% 84.26% 5.06% 8.49% 513 371 12,315 6,336 5,375 17,690 2,578 20,434 26,080 1,823 Sep 2007 10% 9% 16% 65%   3.72% 77% 5.9 8.7% 338 438 4,124   4,891 2,002   6,126 1,825 6,683   9,080 2,141  2002 7% 8% 8% -    Unsound   9% 8% 8% -    Less sound   13% 16% 17% -    Fairly sound   71% 68% 67% -    Sound       Rural Bank Soundness 10 3.0% 3.2% 3.4% Return on Asset (RoA) 8 82% 80.7% 74.5% Loan to Deposit Ratio (LDR) 8 5.8 5.3 5.6 Non Performing Loan (NPL) Net 7 7.98% 7.59% 8,0% Non Performing Loan (NPL) Gross 6 604 539 429 Current year profit/ loss 5 332 322 489 - No. of accounts (in thousands) 9,421 7,860 6,251 - Total     b. Time Deposit   5,672 5,439 5,046 - No. of accounts (in thousands) 3,757 3,301 2,617 - Total     a. Saving Deposit   13,178 11,161 8,868 Third party fund 4 2,478 2,167 1,993 - no. of accounts (in thousands) 14,654 12,149 8,985 - total     Loan:  3 20,393 16,707 12,635 Total Asset 2 2,009 2,158  2,141  No. of  Rural Banks 1 2005 2004 2003 Accounts No.
RURAL BANK PERFORMANCES
RURAL BANK CHARACTERISTICS  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
RURAL BANK CREDIT BASED ON ECONOMIC SECTORS - Sep 2007
Jenis Bank ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Aktiva Bank ,[object Object],[object Object],[object Object]
Aktiva Bank ,[object Object],[object Object]
Aktiva Bank ,[object Object],[object Object]
Aktiva Bank ,[object Object],[object Object],[object Object]
Aktiva bank ,[object Object],[object Object],[object Object],[object Object]
Aktiva bank ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Jenis Kredit ,[object Object],[object Object],[object Object]
Jasa-jasa Bank ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mekanisme LC Bank di Indonesia Bank Asing PT Ekspor PT Asing 1 2 2 3 4 5 5 5 6 6 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object]
Bank Umum Syariah ,[object Object],[object Object]
Prinsip Kegiatan usaha ,[object Object],[object Object],[object Object],[object Object]
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[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object]
 

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Lembaga Keuangan 1

  • 1. BANK & LEMBAGA KEUANGAN NON BANK 1 P rovided By:Irfal Irwant.SE
  • 2.
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  • 9. Financial Intermediaries Unit Defisit Borrowers Unit Surplus Lenders Bank & Non Bank Fund Fund Income Income
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  • 25. III. RURAL BANK PERFORMANCES . (in billion Rp) 6.5% 9.9% 14.3% 69.3% 2.96% 87,37% 6.83 9.73% 509 365 11,190 6,555 4,581 15,771 2,471 16,948 23,045 1,880 2006 4,8% 11,2% 14,4% 69.6% 2.62% 84.26% 5.06% 8.49% 513 371 12,315 6,336 5,375 17,690 2,578 20,434 26,080 1,823 Sep 2007 10% 9% 16% 65%   3.72% 77% 5.9 8.7% 338 438 4,124   4,891 2,002   6,126 1,825 6,683   9,080 2,141 2002 7% 8% 8% -    Unsound   9% 8% 8% -    Less sound   13% 16% 17% -    Fairly sound   71% 68% 67% -    Sound       Rural Bank Soundness 10 3.0% 3.2% 3.4% Return on Asset (RoA) 8 82% 80.7% 74.5% Loan to Deposit Ratio (LDR) 8 5.8 5.3 5.6 Non Performing Loan (NPL) Net 7 7.98% 7.59% 8,0% Non Performing Loan (NPL) Gross 6 604 539 429 Current year profit/ loss 5 332 322 489 - No. of accounts (in thousands) 9,421 7,860 6,251 - Total     b. Time Deposit   5,672 5,439 5,046 - No. of accounts (in thousands) 3,757 3,301 2,617 - Total     a. Saving Deposit   13,178 11,161 8,868 Third party fund 4 2,478 2,167 1,993 - no. of accounts (in thousands) 14,654 12,149 8,985 - total     Loan: 3 20,393 16,707 12,635 Total Asset 2 2,009 2,158 2,141 No. of Rural Banks 1 2005 2004 2003 Accounts No.
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  • 28. RURAL BANK CREDIT BASED ON ECONOMIC SECTORS - Sep 2007
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