ANALYSIS OF THE INFLUENCE OF INFLATION RATE, INCOME OF SHARIA PAWNSHOPS, AND GOLD PRICES ON RAHN CREDIT DISTRIBUTION AT PT. PEGADAIAN SYARIAH IN INDONESIA (2019–2023)

<p class="JOURNALABSTRACT-TITLE"><em><span lang="IN">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 2016-2020</span></em><em></em><em><span lang="IN">on 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 2016-2020</span></em><em></em><em><span lang="IN">period. 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.</span></em></p>

This study aims to determine Career Development: A Study of Work Experience and Employee Performance Assessment at PT Pegadaian Area Padang. The population in this study were all employees at PT Pegadaian Area Padang, totaling 30 people. In this study the sampling technique used is the saturated sampling technique. By using the analysis technique of Validity and Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Descriptive Analysis, Multiple Linear Regression Analysis, Partial Hypothesis Testing (T Test), Simultaneous Hypothesis Testing (F Test) and Coefficient of Determination Test (R²) . The types of data used are quantitative data and qualitative data. While the data sources used are secondary data and primary data. Data collection techniques using observation, interviews and questionnaires. Based on the reliability test shows that all variables have a Cronbach Alpha which is quite large, which is above 0.60. Based on the normality test that the data showed a normal distribution. Based on the multicollinearity test, the tolerance value is > (0.10) and the vif value is < (10). Based on the Heteroscedasticity Test, it shows that there is no Heteroscedasticity. Based on the partial hypothesis test (t test) it shows that the work experience variable has a positive and significant effect on career development. Based on the partial hypothesis test (t test) it shows that the job performance appraisal variable has a positive and significant effect on career development. Based on the simultaneous hypothesis test (f test) shows that the variables, namely work experience and work performance appraisal have a positive and significant effect on career development.

The problem in this research is the target Distribution Kredit Cepat Aman (KCA) which has not been realized in the last few years. PT Pegadaian had an internal and eksternal factor in determine Distribution Kredit Cepat Aman (KCA). The aim of this research was to determined the influence of revenue, number of customers, gold price, and inflation rate on Distribution Kredit Cepat Aman (KCA) at PT Pegadaian Indonesia in 2009-2017. The method used seconder research method is obtainable from annual report PT Pegadaian 2009-2017, taken from www.pegadaian.go.id. The population in this research are all annual report PT Pegadaian Indonesian 2009-2017. The dependent variable from this research is Distribution Kredit Cepat Aman (KCA). The independent variable include revenue, number of customers, gold price, and inflation rate. The sample technique of this research was using the all data of those Annual Report. The analysis method used multiple linear regression by software SPSS version 24. The result showed that The revenue have a significant influence to Distribution Kredit Cepat Aman (KCA) at PT Pegadaian Indonesian 2009-2017. The number of customers have a significant influence to Distribution Credit Fast secure (KCA) at PT Pegadaian Indonesian 2009-2017. The gold price customers have a significant influence to Distribution Kredit Cepat Aman (KCA) at PT Pegadaian Indonesian 2009-2017, and inflation rate have a significant influence to Distribution Kredit Cepat Aman (KCA) at PT Pegadaian Indonesian 2009-2017. The simultaneously are revenue, number of customers, gold price, and inflation rate revenue have a significant influence to Distribution Kredit Cepat Aman (KCA) at PT Pegadaian Indonesian 2009-2017.

Penelitian bertujuan untuk mengetahui pengaruh produk gadai dan non gadai terhadap keuntungan yang diperoleh PT Pegadaian Cabang Takalar. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu time series dari tahun 2019 hingga tahun 2021. Data yang digunakan meliputi produk gadai asli dan non gadai kantor cabang PT Pegadaian Takalar Sulawesi Selatan. Metode pengumpulan data dalam penelitian ini adalah dengan memperoleh data primer dan melalui pengumpulan data langsung yang telah dikumpulkan dan diolah oleh pihak Pegadaian. Metode analisis data yang digunakan dalam penelitian ini adalah metode analisis regresi linier berganda, teknik analisis regresi linier berganda, uji t, uji F dan uji koefisien determinasi. Hasil penelitian secara simultan menunjukkan bahwa variabel Nilai Barang Gadai dan Barang Bukan Gadai secara bersama-sama mempunyai pengaruh yang signifikan terhadap Pendapatan pada Pegadaian Cabang Takalar. The research aims to determine the effect of pawn and non-pawn products on the profits obtained by PT Pegadaian, Takalar Branch. The data used in this research is secondary data, namely the time series from 2019 to 2021. The data used includes original pawn products and non-pawn products at the PT Pegadaian Takalar South Sulawesi branch office. The data collection method in this research is by obtaining primary data and through direct data collection which has been collected and processed by Pegadaian. The data analysis method used in this research is the multiple linear regression analysis method, multiple linear regression analysis techniques, t test, F test and coefficient of determination test. Simultaneous research results show that the variables value of pawned goods and non-pawned goods together have a significant influence on income at the Takalar Branch Pawnshop.

The research was conducted with the aim of finding out the influence of service quality, ease of transactions and estimated value on customers' decisions to use rahn products at PT Pegadaian Syariah Sungai Liput. This type of research is quantitative, the data source used is primary data. The population and sample for this research are Rahn customers at Pegadaian Sungai Liput, totaling 1,949 people as the population, and 96 respondents as the sample in this research which was calculated based on the Slovin formula. The data obtained was analyzed using SPSS (Statistical Package For Social Sciences) analysis techniques. The equation model analyzed is multiple linear regression analysis, classical assumption tests and hypothesis testing (T test, F test and coefficient of determination (R2). The research results show that partially service quality and estimated value have a significant positive effect on customers' decisions to use Rahn products, while ease of transaction has no effect on the customer's decision to use Rahn products. Simultaneously all independent variables, namely service quality, ease of transaction and estimated value together have a significant positive influence on the customer's decision to use Rahn products. Future researchers can use even more variable variables outside Variants of estimated value, costs and services influence customers' decisions to use rahn products at PT Pegadaian Sungai Liput. This is because, in this study, these three variables were only able to explain 34.1% of variations in customer decisions. This study has problem limitations. namely, the research only looks at the influence of service quality, ease of transactions, and estimated value as variables in revealing customers' decisions to use Rahn products.
 The research was conducted with the aim of finding out the influence of service quality, ease of transactions and estimated value on customers' decisions to use rahn products at PT Pegadaian Syariah Sungai Liput. This type of research is quantitative, the data source used is primary data. The population and sample for this research are Rahn customers at Pegadaian Sungai Liput, totaling 1,949 people as the population, and 96 respondents as the sample in this research which was calculated based on the Slovin formula. The data obtained was analyzed using SPSS (Statistical Package For Social Sciences) analysis techniques. The equation model analyzed is multiple linear regression analysis, classical assumption tests and hypothesis testing (T test, F test and coefficient of determination (R2). The research results show that partially service quality and estimated value have a significant positive effect on customers' decisions to use Rahn products, while ease of transaction has no effect on the customer's decision to use Rahn products. Simultaneously all independent variables, namely service quality, ease of transaction and estimated value together have a significant positive influence on the customer's decision to use Rahn products. Future researchers can use even more variable variables outside Variants of estimated value, costs and services influence customers' decisions to use rahn products at PT Pegadaian Sungai Liput. This is because, in this study, these three variables were only able to explain 34.1% of variations in customer decisions. This study has problem limitations. namely, the research only looks at the influence of service quality, ease of transactions, and estimated value as variables in revealing customers' decisions to use Rahn products.

This study aims to examine the effect of inflation and interest rates on stock prices in mining companies listed on the Indonesian Stock Exchange in 2017-2021. The type of data used in this research is quantitative data in the form of financial reports from 2017-2021, and reports from Bank Indonesia on interest rates and inflation rates. The sample in this study amounted to 36 companies. Data analysis techniques in this study used the classical assumption test, hypothesis testing, multiple linear regression, and the coefficient of determination test. Data processing in this study used the SPSS Software (Statistics Package for the Social Sciences) 20.0 for windows. The results of this study prove that the inflation rate has a negative and significant effect on stock prices, while interest rates do not have a significant effect on stock prices. Simultaneously inflation and interest rates have no effect on stock prices.

This study aims to determine the influence of variable inflation, interest rates, gold prices, exchange rates, and composite stock price indices on the performance of Islamic stock mutual funds. The data used are 8 sharia stock mutual fund data registered with the Financial Services Authority (OJK) in the 2017-2021 period. Data analysis techniques are carried out by classical assumption testing, hypothesis testing using multiple linear regression analysis. The results showed that inflation, interest rates, gold prices, rupiah exchange rates against the US dollar (USD) and JCI simultaneously had a significant effect on the performance of Islamic stock mutual funds. Partial inflation with a regression value of 0.0403, interest rate with a regression value of 0.0361, gold price with a regression of 0.0428, and exchange rate with a regression of 0.0002 has a significant effect on mutual fund performance. As for the JCI with a regression value of 0.05218, there is no significant influence on the performance of Islamic stock mutual funds.

This study aims to determine whether total asset turnover, net profit margin, and debt to equity ratio have an effect either partially or simultaneously on profit growth in automotive companies listed on the Indonesia Stock Exchange. The approach used in this study is an associative approach. The population used in this study were 13 companies and a sample that met the criteria (purposive sampling) was 7 companies. Data collection techniques used in this study using documentation techniques and data sources used in this study are secondary data sources. The data analysis technique used in this study is a quantitative technique with multiple linear regression analysis, hypothesis testing and coefficient of determination test. Data management using SPSS (Statistical Package For The Social Sciences) version 20 for windows. The results of this study are partially total asset turnover has no effect on profit growth. Partially, net profit margin has no effect on profit growth. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period.

This study aims to determine whether total asset turnover, net profit margin, and debt to equity ratio have an effect either partially or simultaneously on profit growth in automotive companies listed on the Indonesia Stock Exchange. The approach used in this study is an associative approach. The population used in this study were 13 companies and a sample that met the criteria using the purposive sampling method was 7 companies. Data collection techniques used in this study using documentation techniques and data sources used in this study are secondary data sources. The data analysis technique used in this study is a quantitative technique with multiple linear regression analysis, hypothesis testing and coefficient of determination test. Data management using SPSS (Statistical Package For The Social Sciences) version 20 for windows. The results of this study are partially total asset turnover has no effect on profit growth. Partially, net profit margin has no effect on profit growth. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period. Partially the debt to equity ratio has an effect on profit growth. Simultaneously total asset turnover, net profit margin, and debt to equity affect profit growth in automotive companies listed on the Indonesia Stock Exchange for the 2014-2018 period.

This study aims to analyze the effect of inflation rate, pawnshop income and gold price on the distribution of KREASI credit of PT. Pegadaian Kupang (Period 2016-2023). The type of research used is a case study method with a quantitative approach. This study uses secondary data in the form of inflation rate data, pawnshop income, gold price, and distribution of KREASI credit in the period from the first quarter of 2016 to the fourth quarter of 2023 in PT. Pegadaian Kupang. The data analysis technique used is multiple linear regression analysis, classical assumption test, and hypothesis test with the help of SPSS software. The results of the study indicate that simultaneously the inflation rate, pawnshop income and gold price have a positive effect on the distribution of KREASI credit. The inflation rate and income partially have a negative effect on the distribution of KREASI credit. The price of gold partially has a positive effect on the distribution of KREASI credit

Gold pawn financing can be interpreted as pawning or surrendering physical authority over property/valuables from customers to banks to be managed with the ar-rahn principle, namely as collateral for loans/debts given to customers/borrowers. The purpose of this study was to determine the effect of inflation rate and gold price on the distribution of Rahn financing at PT Bank Syariah Indonesia. The data for this research comes from the official website of Bank Indonesia, PT Antam Indonesia and PT Bank Syariah Indonesia. The data taken is a monthly report. Hypothesis testing using multiple linear regression analysis and data processing tools with the SPSS 21 application. The results of data analysis show that partially the inflation rate does not have a significant effect on the distribution of Rahn Financing of PT Bank Syariah Indonesia with a t value of -2.03 and a significant value of 0.051, and gold price fluctuations affect the distribution of Rahn Financing of PT Bank Syariah Indonesia with a t value of 7.811 and a significant value of 0.000. Simultaneously the inflation rate and gold price affect the distribution of Rahn Financing of PT Bank Syariah Indonesia with an F value of 30.81 and a significance of 0.000 and can be seen from the regression coefficient test (R2) the inflation rate and gold price fluctuations affect the distribution of Rahn Financing of PT Bank Syariah Indonesia by 64.4% and the remaining 35.6% is influenced by other factors outside the research model.

This study aims to determine the effect of reference interest rates on inflation and bad credit working capital and also see how the effect of inflation on bad credit working capital in Indonesia. The type of research used is descriptive and associative research, namely research that describes the research variable and finds the presence or absence of influence between the independent variable and the dependent variable. The type of data in this study are quantitative secondary data and time series from 2016M6-2018M11 with documentation data collection techniques sourced from Bank Indonesia (BI), Financial Services Authority (OJK), Central Statistics Agency (BPS), and other library studies . Data were analyzed using multiple linear regression models with steps: (1) classical assumptions, (2) hypothesis testing, and (3) test coefficient of determination (R2). The results of this study indicate that: (1) The benchmark interest rate has a negative and significant relationship to inflation. (2) The reference interest rate has a positive and significant relationship to non-performing loans of working capital in Indonesia. (3) Inflation has a non-significant and negative relationship to non-performing loans of working capital in Indonesia. This study aims to determine the effect of reference interest rates on inflation and bad credit working capital and also see how the effect of inflation on bad credit working capital in Indonesia. The type of research used is descriptive and associative research, namely research that describes the research variable and finds the presence or absence of influence between the independent variable and the dependent variable. The type of data in this study are quantitative secondary data and time series from 2016M6-2018M11 with documentation data collection techniques sourced from Bank Indonesia (BI), Financial Services Authority (OJK), Central Statistics Agency (BPS), and other library studies . Data were analyzed using multiple linear regression models with steps: (1) classical assumptions, (2) hypothesis testing, and (3) test coefficient of determination (R2). The results of this study indicate that: (1) The benchmark interest rate has a negative and significant relationship to inflation. (2) The reference interest rate has a positive and significant relationship to non-performing loans of working capital in Indonesia. (3) Inflation has a non-significant and negative relationship to non-performing loans of working capital in Indonesia. <w:LsdException Locked="false" Priority="40" Name="Grid

This research is motivated by the importance of profitability in the Islamic banking industry in Indonesia, especially amidst increasingly tight competition and global economic challenges. Fee Based Income and Minimum Reserves are two factors that are considered to influence bank profitability. Therefore, the purpose of this study is to determine and analyze how much influence Fee Based Income and Minimum Reserves have on Net Profit Margin (NPM) in Islamic Commercial Banks in Indonesia during the period 2018-2023. This type of research is quantitative research with a descriptive analysis approach. The data used are secondary data accessed through the annual financial reports of banks registered with the Financial Services Authority (OJK). The sampling method used purposive sampling, and a sample of six banks was obtained with a total of 36 sample data. Data analysis techniques used include descriptive statistical analysis, classical assumption test, multiple linear regression analysis, determination coefficient test, and hypothesis test processed using the IBM SPSS 25 application. The results of the study indicate that partially, Fee Based Income has no significant effect on NPM with a significance value of 0.052≥ 0.05, and Minimum Reserves also have no significant effect with a significance value of 0.440≥ 0.05. In addition, the results of the F test indicate that both independent variables simultaneously have no significant effect on NPM, with a significance value of 0.117≥ 0.05. This indicates that although both variables have an important role, they are not strong enough to simultaneously affect bank profitability.

In 2021, Indonesia is known as the country with the largest Muslim population in the world, which is 231,069,932 (data from the Ministry of Trade 2018) or 231 million Muslim population, which is equivalent to 12.7 percent of the Muslim population worldwide. With the largest Muslim population, the Indonesian stock exchange must provide investment facilities that are in accordance with Islamic teachings. So that the Indonesian Sharia Stock Index was formed in 2011. The index consists of all sharia shares listed on the Indonesia Stock Exchange. Many factors affect the price movement of Islamic stock indexes, including gold prices, nickel prices, USD exchange rates, Dow Jones Industrial Average and FTSE Malaysia KLCI.
 
 This study focuses on the object of research in the form of the influence of gold prices, nickel prices, USD exchange rates, Dow Jones Industrial Average, and FTSE Malaysia KLCI on the Sharia Stock Price Index in the research period from January 2020 to December 2020, and obtained a total of 230 data. This study uses the Ordinary Least Square method with the classical assumption test, multiple linear regression analysis, simultaneous test (f test), partial test (t test), and coefficient of determination test.
 
 The results of the test concluded that gold prices, nickel prices, Dow Jones Industrial Average, and FTSE Malaysia KLCI had a significant effect on Islamic IDX partially during the study period, while partially the USD exchange rate had no significant effect on Sharia IDX. Simultaneously, gold prices, nickel prices, USD exchange rates, Dow Jones Industrial Average, and FTSE Malaysia KLCI have a significant influence on Sharia IDX during 2020 with an adjusted R2 of 0.905720 or 90.57%, while the remaining 9.43% is influenced by other variables. which were not investigated in this study.
 
 Keywords: Gold Price, Nickel Price, USD Exchange, Dow Jones Industrial Average, and FTSE Malaysia KLCI, IDX Syariah

Tujuan penelitian ini adalah untuk menjelaskan seberapa besar pengaruh pembiayaan dan ukuran perusahaan terhadap profitabilitas pada PT. Bank Panin Dubai Syariah Tbk. Jenis penelitian yang penulis gunakan adalah penelitian deskriptif kuantitatif yaitu pada PT. Bank Panin Dubai Syariah Tbk. Sumber data penelitian ini menggunakan data yang diperoleh dari Bursa Efek Indonesia dan Otoritas Jasa Keuangan (OJK) yaitu berupa data sekunder dalam bentuk laporan keuangan triwulan PT. Bank Panin Dubai Syariah Tbk. Teknik pengumpulan data yakni dokumentasi berupa laporan keuangan triwulan yang dipublikasikan. Uji data yang digunakan adalah analisis asumsi klasik dan goodness of fit dengan uji F. Analisa data menggunakan analisis regresi linear berganda, uji T-tes, dan uji koefisien determinasi. Pengolahan data menggunakan Statistical Product and Service Solution (SPSS) IBM version 22.
 Hasil penelitian ini menunjukkan bahwa pembiayaan berpengaruh terhadap ROA, pembiayaan berpengaruh terhadap ukuran perusahaan. Ukuran perusahaan berpengaruh terhadap ROA. Ukuran perusahaan pada penelitian ini tidak efektif berperan sebagai variabel perantara antara variabel pembiayaan terhadap ROA karena variabel pembiayaan menghasilkan koefesien negatif terhadap ukuran perusahaan dan variabel ukuran perusahaan juga berpengaruh negatif terhadap ROA. Disimpulkan bahwa H4 di tolak. Koefesian determinan menunjukan bahwa secara simultan pembiayaan dan ukuran perusahaan berpengaruh terhadap ROA.