• Slamet Wiharto Universitas Trisakti


Nowadays, there are many pioneering efforts in Indonesia, this is related to the rapid transfer of information via the internet. The enthusiasm of entrepreneurs in starting a business or start-up business can answer very enthusiastically, but do not let this high enthusiasm is not followed by good performance. If this continues, it is feared that there will be start-ups or start-ups that only pass challenges into a millennial generation. It is expected that good financial ability by every startup is a necessity for starting a business. This research is trying to find a solution in a deadlock, which is the financial focus of the startups. This study analyzes the simulation of capital costs and capital budgeting in the development of startups through the implementation of mudharabah in Islamic banks. Through the analysis of the simulation that was found there was a start-up business categorized in three categories, namely low risk, medium risk and high risk. The three risk categories that have low risk are startups that are needed by people who need applications or software in their services, such as health services and financial technology. Medium risk startups are ongoing startups and are part of people's daily activities such as food, fashion and online stores. While high risk startups are pioneering efforts in technological development or new breakthroughs in the field of information technology.


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