Analisis Investasi dan Sensitivitas Unit Usaha Pembiayaan Syariah menuju Spin Off (Studi Kasus: Adira Finance)

Abstract

The purpose of this study to determine the level of investment feasibility and sensitivity level of sharia financing business unit in the process towards spin off. The investment feasibility analysis is carried out in two schemes: the funding scheme is fully borne by the sharia unit of Adira Finance and the joint financing scheme of funding of units to be financed. Sensitivity analysis is calculated by the scenario of decreasing the number of units financed and the scenario of increasing the financing composition of joint financing. Parameters to be measured in these two analyzes are: Net Present Value (NPV), Benefit Cost Ratio (B/C ratio), Internal Rate of Return (IRR) and Break Even Point (BEP). Based on the calculation of investment analysis, the sharia business unit is not eligible to be separated into sharia unit business if all funding is charged to sharia business unit. While the results of sensitivity analysis calculations obtained that motor finance products more vulnerable to changes in scenarios than car finance products.

Analisis Usaha Berbasis Mikro Kelompok Usaha Bersama (KUBE) Nurhikmah Di Kabupaten Batu Bara

“…Salah satu strategi yang dapat dilakukan oleh KUBE Nurhikmah terhadap produk kue karas-karas adalah melakukan pemasaran langsung (direct marketing) kepada konsumen. Pemasaran langsung merupakan suatu bentuk hubungan langsung dengan konsumen yang ditargetkan, Konsumen dapat segera memberikan respon sehingga dapat menimbulkan hubungan pelanggan yang loyal (Wulandari et al, 2017). Dalam pemasaran langsung perusahaan dapat berkomunikasi langsung dengan pelanggan dalam mempelajari kebutuhannya.…”