文章基本信息

标题：A Mathematical Model of the Profit-Loss Sharing (PLS) Scheme
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作者：Novriana Sumarti ; Novriana Sumarti ; Vina Fitriyani 等
期刊名称：Procedia - Social and Behavioral Sciences
印刷版ISSN：1877-0428
出版年度：2014
卷号：115
页码：131-137
DOI：10.1016/j.sbspro.2014.02.421
语种：English
出版社：Elsevier
摘要：AbstractIn financial world, lending money is a part of investment where the borrower get an opportunity to start up or enlarge their business, and as in the fair world, the lender should also take profits on the borrower's investment. In Islamic finance, the profit (and later also the loss) of an investment is coming from the profit-loss sharing concept. We proposed a mathematical model of micro-credit scheme based on this concept. The model is implemented onto real data taken from some low income Indonesian traders and the simulated one. We deliberately choose these respondents due to they are traditionally targeted by usurers (orrentenirin Indonesian) who lend money with high interest rate and penalties so, in many cases, it will makes them broke instead of having their business improve. The important issues in the model are how to generate the simulated data representing the real data, determination of required parameters and to find an optimal portion of profit share which is quite fair for the lender and the borrower. The model shows that the borrower will benefit from the scheme even though sometimes she has losses in particular days, and the lender will get good return as an investment return.
关键词：Mathematical Models;data simulation;optimization techniques;micro-credit scheme