Pengaruh Pendapatan Pegadaian, Jumlah Nasabah, Harga Emas Dan Inflasi Terhadap Penyaluran Pembiayaan Rahn

Authors

  • Heidy Paramitha Devi Universitas PGRI Madiun
  • Richo Diana Aviyanti Universitas PGRI Madiun

DOI:

https://doi.org/10.25273/inventory.v7i1.16305

Keywords:

Pawnshop Revenue, Number of Customers, Gold Prices, Inflation, and Distribution of RAHN Financing

Abstract

This study uses secondary data in the form of pawnshop revenue, number of customers, and distribution of rahn financing accessed from the financial reports of PT. Pegadaian (Persero) Indonesia for 2016-2020on Statistics for Indonesian Special Financial Institutions issued by the Financial Services Authority (OJK) as well as data on gold prices and inflation rates during the 2016-2020period. Data analysis techniques use the classical assumption test, multiple linear regression analysis, and hypothesis testing (Statistic t test/Partial test, F/Simultaneous test, and Coefficient of Determination test). The results show that partially pawnshop revenue, number of customers, gold price and inflation affect the distribution of rahn financing at Sharia Pawnshops in Indonesia for the 2016-2020  period and simultaneously pawnshop income, number of customers, gold price and inflation affect the distribution of rahn financing at Pawnshops Sharia in Indonesia for the 2016-2020  period. As for the coefficient of determination of 93.28% percent, while the remaining 6.72% is explained by other variables not examined in this study.

Downloads

Download data is not yet available.

References

Aji, Ahmad Mukri dan Mukri, Syarifah Gustiawati. (2020). Strategi Moneter Berbasis Ekonomi Syariah (Upaya Islami Mengatasi Inflasi). Yogyakarta: Deepublish.

Ali, Herni dan Miftahurrohman. (2016). Determinan yang Mempengaruhi Pembiayaan Murabahah Pada Perbankan Syariah di Indonesia. Esensi: Jurnal Bisnis dan Manajemen. Vol. 6. No. 1. hal. 31-44.

Andrianto dan Firmansyah, M. Anang. (2019). Manajemen Bank Syariah (Implementasi Teori dan Praktek). Surabaya: Qiara Media.

Antonio, Muhammad Syafii. (2010). Bank Syariah Dari Teori ke Praktik. Jakarta: Gema Insani.

Aprianti, Tryana. (2017). Pengaruh Sewa Modal, Jumlah Nasabah, dan Harga Emas Terhadap Penyaluran Kredit Golongan C Pada PT Pegadaian Tanjungpinang Tahun 2011-2015. Jurnal UMRAH. Vol. 1. No. 1. hal. 1-21.

Apriyanti, Hani Werdi. (2018). Teori Akuntansi Berdasarkan Pendekatan Syariah. Yogyakarta: Deepublish.

Asmara, Eka Noor and Supardi. (2019). Determinant of Credit Distribution: Indonesian Banking Evidence. International Conference on Evonomics, Management, and Accounting. Vol. 2019. pp. 139-159. DOI 10.18502/kss.v3i26.5367.

Aulia, Mochamad Iqbal dan Setiawan, Iwan. (2020). Pengaruh Pendapatan Pegadaian, Tingkat NPL, Tingkat Inflasi dan Harga Emas Tehadap Penyaluran Pembiayaan Gadai Rahn Pada Pegadaian Syariah. Journal of Applied Islamic Economics and Finance. Vol. 1. No. 1. pp. 246-257.

Aziz, Mukhlisin Arifin. (2013). Analisis Pengaruh Tingkat Sewa Modal, Jumlah Nasabah, Harga Emas dan Tingkat Inflasi Terhadap Penyaluran Kredit Gadai Golongan C (Studi Pada PT Pegadaian Cabang Probolinggo). Jurnal Ilmiah Mahasiswa FEB. Vol. 1. No. 2. hal. 1-21.

Azli, Rafidah Mohd., Mohd Rizal Palil, and Shifa Mohd Nor. (2016). Benefits- Sacrifices Exchange (BSX) In Islamic Pawn Broking Transaction: An Exploratory Factor Analysis. International Journal of Business, Economics and Law. Vol. 10. Issue 1. pp. 38-51.

Bank Indonesia. (2020). Definisi Inflasi. (online), Diakses dari www.bi.go.id. pada Desember 2020.

Chabibah. (2019). Ensiklopedia Pendapatan Nasional. Semarang: Alprin.

Darmawan dan Fasa, Muhammad Iqbal. (2020). Manajemen Lembaga Keuangan Syariah. Yogyakarta: UNY Press.

Desriani, Icha Puspita dan Rahayu, Sri. (2013). Analisis Pengaruh Pendapatan, Harga Emas dan Tingkat Inflasi Terhadap Penyaluran Kredit (Studi Kasus pada PERUM Pegadaian Cabang Jombang, Tangerang Periode Maret 2009- September 2011). Jurnal Akuntansi dan Keuangan. Vol. 2. No. 2. hal. 147-165.

Dewi, Ade Septevany. (2016). Pengaruh Jumlah Nasabah, Tingkat Suku Bunga dan Inflasi Terhadap Penyaluran Kredit Pada PT Pegadaian di Cabang Samarinda Seberang Kota Samarinda. AKUNTABEL: Jurnal Ekonomi dan Keuangan. Vol. 13. No. 2. hal. 71-81.

Ermawati, Titin. (2013). Peluang dan Tantangan Gadai Emas (Rahn) di Indonesia: Sebuah Tinjauan Konseptual.Jurnal Akuntansi AKUNESA. Vol. 1. No 3. hal. 1-14.

Hariyanti, Baiq Inggit, Noor Shodiq Askandar, dan M. Cholid Mawardi. (2019). Pengaruh Pendapatan Pegadaian, Harga Emas, Tingkat Inflasi Terhadap Penyaluran Pembiayaan Rahn (Studi Kasus Pada Pegadaian Syariah Bonder Lombok Tengah). E-JRA. Vol. 08. No. 01. hal. 1-15.

Hermawan, Rudi. (2017). Buku Ajar Hukum Ekonomi Islam. Surabaya: Duta Media.

Ikatan Bankir Indonesia. (2015). Mengelola Bank Syariah Modul Sertifikasi Tingkat II General Banking Syariah. Jakarta: Gramedia Pustaka Utama.

Ismail, Juniaty dan Kadir, Rifadli. (2020). Determinan Pembiayaan Murabahah Pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia. EKOMBIS Sains Jurnal Ekonomi, Keuangan dan Bisnis. Vol. 5. No. 01. hal. 1-10.

Jajuli, M. Sulaeman. (2015). Kepastian Hukum Gadai Tanah dalam Islam.

Yogyakarta: Deepublish.

Downloads

Published

2023-04-26

Issue

Vol. 7 No. 1 (2023)

Section

Articles

License

Authors who publish in this journal agree to the following terms:

 

  1. The copyright of any article is held by its author.
  2. The author grants the journal, first publication rights with the work licensed concurrently under a Creative Commons Attribution License which allows others to share the work with an acknowledgment of authorship and the work's initial publication in this journal.
  3. Authors may make additional separate contractual arrangements for the non-exclusive distribution of the published journal version of the work (for example, posting it to an institutional repository or publishing it in a book), with acknowledgment of its initial publication in this journal.
  4. Authors are permitted and encouraged to post their work online (for example, in institutional repositories or on their websites) before and during the submission process, as doing so can lead to a productive exchange, as well as earlier and larger citation of the published work.
  5. Published articles and related materials are distributed under a Creative Commons Attribution-ShareAlike 4.0 International License