Al-Khowarizmi Al-Khowarizmi
ABSTRACT
Business forums are activities between individuals and organizations that carry out the transactions on online media or within applications, which spread across countries. Along with the development of information technology towards business intelligence (BI), the business processes carried out in the business forum are modeled specifically in order to create an effort and attempt to follow the indicator and criteria from the industrial revolution 4.0. In this paper, a model is designed to combine three type of principles, namely the business forum, BI and the cooperative principle. Actually, cooperatives have been long abandoned since the existence of conventional and Islamic banking concept but it has kinship principle to divide the profits based on the size of the contribution given. Meanwhile, BI model is designed to obtain a formula from the cooperative principle, namely the residual income from operations where the transaction process is successfully implemented through the application to allocate a portion of the profits to the members based on the specified percent.
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