PENGARUH PEMBIAYAAN AR-RAHN, HARGA EMAS, DAN TINGKAT INFLASI TERHADAP PROFITABILITAS DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Pegadaian Syariah Periode 2020-2024)

ANNISA, PUTRI MAHARANI (2026) PENGARUH PEMBIAYAAN AR-RAHN, HARGA EMAS, DAN TINGKAT INFLASI TERHADAP PROFITABILITAS DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Pegadaian Syariah Periode 2020-2024). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pegadaian syariah berperan penting dalam menyediakan pembiayaan berbasis syariah di tengah meningkatnya kebutuhan pembiayaan yang bebas dari unsur riba, salah satunya produk pembiayaan ar-rahn. Namun profitabilitas pegadaian syariah juga dipengaruhi oleh faktor eksternal seperti fluktuasi harga emas dan tingkat inflasi. Dalam konteks dinamika ekonomimakro, penting dilakukan kajian sejauh mana ketiga variabel tersebut berpengaruh terhadap kinerja keuangan Pegadaian Syariah. Penelitian ini menggunakan pendekatan kuantitatif. Data Pembiayaan Ar-Rahn tahunan diakses melalui situs resmi Annual Report Pegadaian Syariah dan data bulanan berasal dari Otoritas Jasa Keuangan (OJK). Data Harga Emas diperoleh dari situs Bullion Rate Gold Price. Data Tingkat Inflasi diperoleh dari situs Badan Pusat Statistik (BPS). Teknik pengambilan sampel dalam penelitian ini menggunakan sampel jenuh (sensus). Penelitian ini menggunakan seluruh data bulanan periode Januari 2020-Desember 2024 sebanyak 60 observasi, sehingga seluruh populasi dijadikan sampel penelitian. Dianalisis Menggunakan metode regresi linear berganda dengan bantuan program EVIEWS 12. Hasil penelitian menunjukkan bahwa pembiayaan ar-rahn dan harga emas berpengaruh positif dan signifikan terhadap profitabilitas di pegadaian syariah, sedangkan tingkat inflasi tidak berpengaruh signifikan. Pada uji simultan variabel pembiayaan ar-rahn, harga emas dan tingkat inflasi secara bersama-sama berpengaruh signifikan terhadap profitabilitas. Kata Kunci: Pembiayaan Ar-Rahn, Harga Emas, Tingkat Inflasi, Profitabilitas. ABSTRACT Islamic pawnshops play an important role in providing Sharia-based financing amid the increasing demand for financing free from usury, one of which is the Ar-Rahn financing product. However, the profitability of Islamic pawnshops is also influenced by external factors such as fluctuations in gold prices and the inflation rate. In the context of macroeconomic dynamics, it is important to examine the extent to which these three variables affect the financial performance of Pegadaian Syariah. This study uses a quantitative approach. The annual Ar Rahn financing data were obtained from the official Annual Report of Pegadaian Syariah, while the monthly data were obtained from the Financial Services Authority (OJK). Gold price data were obtained from the Bullion Rate Gold Price website. Inflation rate data were obtained from the Indonesian Central Statistics Agency (BPS). The sampling technique used in this study was a saturated sample (census). This study used all monthly data for the period January 2020 to December 2024, totaling 60 observations, so that the entire population was used as the research sample. The data were analyzed using multiple linear regression with the assistance of EVIEWS 12. The results of the study show that Ar-Rahn financing and gold prices have a positive and significant effect on profitability at Pegadaian Syariah, while the inflation rate has no significant effect. In the simultaneous test, the variables of Ar-Rahn financing, gold prices, and inflation rate together have a significant effect on profitability. Keywords: Ar-Rahn Financing, Gold Price, Inflation Rate, Profitability.

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