Optimasi Model Stokastik Profit-Loss Sharing (PLS) untuk Kredit Mikro = Optimization of Stochastic Model Profit-Loss Sharing (PLS) For Micro Credit

Natalia, Shirleen (2019) Optimasi Model Stokastik Profit-Loss Sharing (PLS) untuk Kredit Mikro = Optimization of Stochastic Model Profit-Loss Sharing (PLS) For Micro Credit. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Di Indonesia, prinsip Syariah berkembang pesat karena mayoritas penduduknya menganut agama Islam. Prinsip Syariah merupakan konsep Profit-Loss Sharing (PLS). Konsep PLS membantu para pedagang atau pengusaha mikro untuk mendapatkan bantuan dana agar bisa mengembangkan usahanya. Memodelkan konsep PLS menggunakan suatu distribusi tertentu dapat memaksimalkan keuntungan bagi pemberi pinjaman dan peminjam. Maksimal keuntungan bisa dicapai dengan cara mengoptimasi besar porsi pembagian bagi hasil. Besar porsi pembagian hasil dapat dihitung menggunakan data pendapatan pedagang atau pengusaha mikro. Hasilnya adalah nilai p optimal (p ) bagi Wt berdistribusi uniform sebesar 17%, nilai p bagi Wt berdistribusi shifted eksponensial sebesar 25%, serta nilai p bagi Wt berdistribusi normal sebesar 17%. / In Indonesia, the principle of Sharia is growing rapidly because of the majority of the Moslem population. Sharia principles are the concept of textit Profit-Loss Sharing (PLS). The PLS concept helps traders or micro-entrepreneurs to get funding to develop their businesses. Modeling the concept of PLS using a certain distribution can maximize profits for lenders and borrowers. Maximum profit can be achieved by optimizing the portion of the profit sharing. The portion of the profit sharing can be calculated using income data from traders or micro-entrepreneurs. The result is optimal value of p (p∗) for Wt with a uniform distribution at 17%, the value of p∗ for Wt with shifted exponential distribution at 25%, and the value of p∗ for Wt with normal distribution at 17%.

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