The document discusses the history and development of banking and financial institutions in Indonesia, including: - The origins of financial transactions and the emergence of money and banks as intermediaries. - The classification of banks and non-bank financial institutions according to Indonesian law. - Key details about rural banks (BPR), including their role, regulations, performance metrics, characteristics, and the sectors they provide credit to.

1. BANK & LEMBAGA KEUANGAN NON BANK 1 Provided by Ari Raharjo

9. Financial Intermediaries Unit Defisit Borrowers Unit Surplus Lenders Bank & Non Bank Fund Fund Income Income

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.

26. RURAL BANK PERFORMANCES

28. RURAL BANK CREDIT BASED ON ECONOMIC SECTORS - Sep 2007