Pengaruh Pendapatan Pegadaian, Tingkat Inflasi Dan Non Performing Financing (NPF) Terhadap Penyaluran Pembiayaan Gadai Syariah (RAHN) Dengan Return On Asset (ROA) Sebagai Variabel Intervening (Studi Kasus pada Pegadaian Syariah di Indonesia Periode 2015-2023)

Atiqoh, Atiqoh (2023) Pengaruh Pendapatan Pegadaian, Tingkat Inflasi Dan Non Performing Financing (NPF) Terhadap Penyaluran Pembiayaan Gadai Syariah (RAHN) Dengan Return On Asset (ROA) Sebagai Variabel Intervening (Studi Kasus pada Pegadaian Syariah di Indonesia Periode 2015-2023). Undergraduate Thesis thesis, UIN. K. H. Abdurrahman Wahid Pekalongan.

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Abstract

Income becomes a variable of halal investment, trade, services offered with the aim of making a profit. The inflation rate is the percentage that experiences variations in price changes within a certain period of time. NPF is defined as financing that has problems through the amount of financing submitted to Islamic banks. Rahn is holding one of the borrower's assets as collateral for the loan he has received. The seized goods have economic value. Return on Assets (ROA) is a type of profitability ratio that is used to measure the ability of banking management to obtain profit (profit). This research is research with secondary data obtained through a quantitative approach. The population used is all sharia pawnshop financial reports in Indonesia for 2015-2023 using purposive sampling. Data testing was carried out using SPSS 26. The data analysis techniques used were classical assumption testing, path analysis, hypothesis testing and coefficient of determination testing. The results of the research show that partially, inflationary pawnshop income has a positive and significant effect on ROA. NPF has a negative and significant effect on ROA. For pawnshop income, inflation and ROA have a positive and significant effect on the distribution of rahn financing. NPF has a negative and significant effect on the distribution of rahn financing. Then, the pawnshop income variable, the inflationrate has an effect on the distribution of local financing through ROA as an intervening variable, NPF has a negative and significant effect on the distribution of local financing through ROA as an intervening variable.

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