Penentuan Porsi dalam Skema Profit-Loss Sharing Investasi Syariah

Abstract

AbstrakPerkembangan perbankan syariah marak terjadi di banyak negara, termasuk Indonesia. Bank syariah pertama di Indonesia didirikan pada tahun 1992. Sesuai peraturan Bank Indonesia No 23 Tahun 1999, diperbaiki dalam Peraturan No. 3 Tahun 2004, bank Syariah dan kon- vensional diperbolehkan untuk beroperasi di Indonesia. Sekarang terdapat 11 (sebelas) bank syariah dan sekitar lima puluhan unit usaha dan office channeling dari bank konvensional yang menerapkan sistem syariah. Pada makalah ini, penelitian tentang pasar saham syariah dan perbankan syariah akan dibahas. Salah satu penelitiannya adalah penerapan skema Bagi Untung dan Rugi yang merupakan ciri khas ekonomi syariah dengan menggunakan opti- misasi dalam Matematika. Optimisasi dilakukan untuk mendapatkan porsi bagi untung yang dapat menguntungkan baik bagi pemberi modal investasi maupun penerima modal.Kata kunci: Ekonomi Syariah, Optimisasi, Skema Bagi Hasil Untung dan Rugi. AbstractThe development of Islamic banking is rife in many countries, including Indonesia. The first Islamic bank in Indonesia was established in 1992. According to the regulation of Bank In- donesia No. 23 of 1999, amended in Regulation No. 3 In 2004, both Islamic and conventional banks are allowed to operate in Indonesia. Now there are 11 (eleven) Islamic banks, and about five dozens of business units and office channeling of conventional banks that imple- ment the sharia system. In this paper, the research on the stock market of sharia and Islamic banking will be discussed. One of the studies is the application of Profit - Loss scheme, which is the hallmark of Islamic economic, using optimization in Mathematics. Optimization is done to get a portion of the profit that can be beneficial for both the owner and recipient of capital investment capital.Keywords: Islamic Economics, optimization, Profit-Loss Sharing scheme

Comparative Study of Data Generation for Normal, Lognormal, and Gamma Distributions using PLS and Usury Models

“…However, the profit share for the merchant in the PLS model and the usury model tends to increase. This means that both the PLS and usury models are beneficial for the merchant when the time period is extended (Sumarti, 2017).…”