#TITLE_ALTERNATIVE#

• Main Author: FIRRIZQI ANANDA , JEHAN
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/18756
• Institution: Institut Teknologi Bandung

Real sector economy has an important role to increase a country's economic <br /> <br /> <br /> <br /> <br /> growth. Not only big enterprises, that give contributions to real sector economy, <br /> <br /> <br /> <br /> <br /> but also micro-small enterprises do. Unfortunately, many of them have a similar <br /> <br /> <br /> <br /> <br /> problem, namely capital, and they are not eligible to acquire capital access from <br /> <br /> <br /> <br /> <br /> conventional bank. Hence, we need to apply an micro-credit system which can be <br /> <br /> <br /> <br /> <br /> implemented on low-income traders at a local traditional market without interest- <br /> <br /> <br /> <br /> <br /> based payment, it is commonly named Profit-Loss Sharing System. Implementing <br /> <br /> <br /> <br /> <br /> Profit-Loss Sharing Model needs some assumption to be fulfilled first, which are <br /> <br /> <br /> <br /> <br /> following. <br /> <br /> • The loan is given to borrowers who already have trading activities, so this <br /> <br /> <br /> <br /> <br /> is not the initial capital of their shops. Therefore, the average of trader's <br /> <br /> <br /> <br /> <br /> daily profit before joining this credit scheme can be recorded. <br /> <br /> • The borrowers should be trustworthy in reporting their daily profit. <br /> <br /> • The loan is spent to improve their trading activity not at personal consum- <br /> <br /> <br /> <br /> <br /> able goods. <br /> <br /> <br /> <br /> <br /> In this final report, Monte-Carlo Simulation will be done by applying various <br /> <br /> <br /> <br /> <br /> type of trader's net income data to Profit-Loss Sharing Model for determining <br /> <br /> <br /> <br /> <br /> the appropriate amount of capital and the length of period which results the <br /> <br /> <br /> <br /> <br /> benefit for both investor and the borrower (trader).