Pengaruh Pembiayaan Ar-Rahn dan Harga Emas Terhadap Profitabilitas Pegadaian Syariah di Indonesia Tahun 2018-2022
Abstract
Differences in the results of research conducted by previous researchers regarding the effect of ar-rahn financing and gold prices on profitability, the purpose of this study is to re-examine how the effect of ar-rahn financing and gold prices on the profitability of sharia pawnshops in Indonesia. This type of research is quantitative with time series data, namely in 2018-2022. The data used is in the form of monthly data so that the amount of data obtained is 60 data. This research data testing tool uses SPSS26. The results of this study indicate that partially ar-rahn financing and gold prices have no significant effect on the profitability of pawnshops in Indonesia. The financing variable has a negative direction, while the gold price has a positive direction. This is also the same as the simultaneous test showing that ar-rahn financing and gold prices have no significant effect on the profitability of sharia pawnshops in Indonesia in 2018-2022.
Keywords: Ar-Rahn Financing, Gold Price, ROA
Abstrak
Perbedaan hasil penelitian yang dilakukan oleh peneliti sebelumnya tentang pengaruh pembiayaan ar-rahn dan harga emas terhadap profitabilitas, maka tujuan dari penelitian ini ialah untuk menguji kembali bagaimana pengaruh pembiayaan ar-rahn dan harga emas terhadap profitabilitas pegadaian syariah di Indonesia. Jenis penelitian ini adalah kuantitatif dengan data time series yaitu pada tahun 2018-2022. Data yang digunakan berupa data bulanan sehingga jumlah data yang didapatkan sebanyak 60 data. Alat bantu pengujian data penelitian ini menggunakan SPSS26. Hasil penelitian ini menunjukkan bahwa secara parsial pembiayaan ar-rahn dan harga emas tidak berpengaruh signifikan terhadap profitabilitas pegadaian di Indonesia. Pada Variabel pembiayaan dengan arah negatif, sedangkan pada harga emas dengan arah positif Hal ini juga sama pada uji secara simultan menunjukkan bahwa pembiayaan ar-rahn dan harga emas tidak berpengaruh signifikan terhadap profitabilitas pegadaian syariah di Indonesia tahun 2018-2022.
Kata Kunci : Pembiayaan Ar-Rahn, Harga Emas, ROA
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