文章基本信息

标题：A MATHEMATICAL MODEL OF PROFIT-LOSS SHARINGSCHEME OF SMALL INVESTMENT FOR TRADITIONALMARKET TRADERS USING THE SEMI-FUZZY LOGIC APPROACH
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作者：Novriana Sumarti ; Adythia Dean Marendri
期刊名称：Journal of Islamic Monetary Economics and Finance
印刷版ISSN：2460-6146
电子版ISSN：2460-6618
出版年度：2017
卷号：2
期号：2
页码：173-192
语种：English
出版社：Bank Indonesia
摘要：A mathematical model of micro-finance investment using profit-loss sharing scheme are made and implemented to simulated data.Here profitsfrom the venture will be shared in a portion between the investor and theentity running the business.The scheme can be classified as Musharaka type ofinvestment in Sharia economy.The proposed model is theoreticallyimplemented with data from small-scale traders at a local traditional marketwho have small turnover.They are common target of usurers who lend moneywith high interest rate and penalties.If the traders are in unfortunateconditions,they are potentially in poorer condition than before committingthemselves to the usurer.In the conventional practices of the profit sharingscheme,the investor will get a fixed portion of the trader's income,which isapplied for all kind of small-scale traders.If the traders are diligent and hardworker and have very high turnover,then the investor will gain much moreprofit whether the contributed capital is small or large.In this paper,thescheme is implemented using Semi-Fuzzy Logic Approach so that the profit-losssharing scheme can achieve its intended goal,which is to make a profitableinvestment not only for the investor but also for traders.The approach is notfully using Fuzzy Logic because some variables are still in crisp numbers and theoptimization problem is regular in the form of crisp numbers.Based on theexisting data,the results show that the optimal profit share is depended on theincome of the traders.The higher the income coming from the venture,thelesser the profit share for the investor which is reasonable with the fixed initialcontributed capital.
关键词：Profit-Loss Sharing;Fuzzy logic;Musharaka;Optimization