PENGARUH PENDAPATAN, HARGA EMAS, DAN INFLASI TERHADAP PENYALURAN PEMBIAYAAN (RAHN) PADA PT PEGADAIAN SYARIAH (Tahun 2011-2021)
Nelly Tria Windari
Tri Nurindahyanti Y., SE, M.Si, Ak
Wignyo Mudiharso, S.Kom., SE., M.Ak
15-10-2022

Abstract

Nelly Tria Windari, Undergraduate Accounting Study Program, STIE Muhammadiyah Cilacap, Effect of Income, Gold Prices, and Inflation on the Distribution of Rahn Financing at PT Pegadaian Syariah in 2011-2021. Advisor I Tri Nurindahyanti Y., S.E., M.Sc., Ak, Advisor II Wignyo Mudiharso, S.Kom., S.E., M.Ak. This study aims to analyze the effect of income variables, gold prices, and inflation on the distribution of Rahn's financing at PT Pegadaian Syariah in Indonesia. Hypothesis testing using multiple regression linear analysis (Ordinary Least Square) and classical assumption testing. The data used is time series data, namely the period 2011-2021 Based on the results of the partial analysis, income has a negative and insignificant effect on Rahn's financing with a probability t-statistic of -1.406 while gold prices (t-statistical probability 2.516) and inflation (t-statistical probability 3.597) both have a positive and significant effect on distribution of Rahn's financing. Simultaneously all independent variables affect the distribution of Rahn's financing at PT Pegadaian Sariah. With a coefficient of determination (adj R2) 68.8% and the remaining 31.2% is influenced by other factors such as the level of capital rent, the level of income per capita and unemployment.



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