Inovasi Model Pembiayaan Mudharabah Oleh Industri Keuangan Non Bank (IKNB) Terhadap Usaha Pengolahan Terasi

Achmad Kholiq, and Nono Hartono, and Ah. Fathonih, (2019) Inovasi Model Pembiayaan Mudharabah Oleh Industri Keuangan Non Bank (IKNB) Terhadap Usaha Pengolahan Terasi. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi, 11 (1). pp. 101-116. ISSN 2580-7686

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Shrimp pasta processing business capital sources in Cirebon 62% comes from private funds and only 9% comes from banks. Based on the response the identification of SMEs (Small to Medium Enterprises) to the Islamic bank by using ANN (Artificial Neural Network) showed a medium response. SMEs still assume there is no difference between Islamic banks with conventional due to minimal knowledge of Islamic banks. The MEV (Maximum Expected Value) value obtained on the use of technology semimodern and production during the rainy season. That is the use of semi-modern technology will be able to increase revenues high when supply of raw materials (small shrimp that called “rebon”) widely available. Innovation mudharabah (that means one form of cooperation in Islamic banking) models by IKNB (Industri Keuangan Non Bank – Non-Bank Finansial Industry) for processing shrimp is to provide incentives on the number of payments and the differences in the results between the dry season to rainy season on account of helping because Mudhorib (manager of mudharabah) revenue decline. The mudharabah financing model is quite relevant to the financing model offered by IKNB to UMKM. In terms of ratio, it will be more flexible and impartial to both parties. Because numbers can be innovated according to the agreement and the needs of each.

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Item Type: Article
Uncontrolled Keywords: Artificial Neural Network, Islamic Banking, Islamic Finance, Mudharabah
Subjects: H Social Sciences > HG Finance
Divisions: Fakultas Pascasarjana > Program Magister > Ekonomi Syariah
Depositing User: H. Tohirin S.Ag
Date Deposited: 06 Jun 2022 02:44
Last Modified: 06 Jun 2022 02:46

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