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All Journal Jurnal Aktiva : Riset Akutansi dan Keuangan Jumat Informatika: Jurnal Pengabdian Masyarakat ProBisnis : Jurnal Manajemen Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat Nusantara Journal of Economics, Entrepreneurship, Management Business and Accounting Seminar Nasional Hasil Penelitian LP2M UNM Jurnal Kemitraan Responsif untuk Aksi Inovatif dan Pengabdian Masyarakat Indonesian Journal of Enterprise Architecture J-CEKI Journal of Vocational, Informatics and Computer Education Fundamental and Applied Management Journal Pinisi Journal of Entrepreneurship Review
Fajriani Azis
Universitas Negeri Makassar
Religion Arts Humanities Chemistry Computer Science & IT Dentistry Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Gold Price Dynamics and Earnings Performance in a Non-Bank Gold-Backed Finance Firm Sitti Hajerah Hasyim; Fajriani Azis; Salim Diarra
Fundamental and Applied Management Journal Vol. 3 No. 1 (2025): Fundamental and Applied Management Journal
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v3i1.464

Abstract

This study examines whether benchmark gold prices affect profit achievement in a state-owned pawn and gold-financing company. Using branch-level financial statements for 2020–2024, we estimate a single-factor ordinary least squares model to test the association between gold price movements and profitability. The results show a positive and statistically significant relationship, indicating that higher gold prices are associated with improved profits—consistent with collateral value uplift, trading spreads, and product demand dynamics in gold-backed lending. Managerially, the findings suggest the need for agile pricing policies, transparent customer communication on gold price pass-through, and strengthened risk management to handle volatility. The study contributes firm-level evidence on price–profit linkages in gold-backed retail finance. Limitations include a single-firm, single-factor design; future research should incorporate cost structures, fee income, macroeconomic controls, and asymmetric/lagged effects to better map the transmission from commodity prices to financial performance.
Co-Authors Abdurrahman Abdurrahman Agus Syam Alfiana Andi Anggi Kemalasari Andi Aris Mattunruang Andi Naila Quin Azisah Aliasyahbana Andi Nailah Quin Azisah Alisyahbana Andika Isma Arifin Manggau, Arifin Dedi Gunawan Saputra Ekha Mustika Putri Eva Desembrianita Eva Yuniarti Utami Evan Haviana Fajar Arwadi Fatma Sarie Fauziah Nur Hutauruk Hajar Dewantara Himawan Sutanto Ikhyanuddin Ikhyanuddin, Ikhyanuddin Ilma Wulansari Hasdiansa Jatmiko Wahyu Nugroho Joshua Juwandi M. Miftach Fakhri M. Ridwan Tikollah M. Wahyu Ramadani Tanrajelling Marsella Marsella Muh Azis Muh. Azis Muh. Isnain Abd. Wafi Muhammad Alfa Sikar Muhammad Azis Muhammad Faris Fardhani Muhammad Hasan Muhammad Ikhwan Rauf Muhammad Jufri Muhammad Rakib Nabila Athifa Azzahra Nur Arisah Nur Huzaemah Nur Rahmah Sari Nuraisyiah Nuraisyiah Nurdin Nurrahmah Agusnaya Nurwahyuni Paallo Ozhi Rezky A.R Rachmawaty Kadir Rahma Awalia Rahmania Rahmania Rania Aisyah Putri Ria Ria Rifki Suwaji Rina Asriani J Tudon B Sahade Sakinah Azzahrah Salim Diarra Sitti Hajerah Hasyim Sitti Hasbiah Sri Wahyuni Sudarmi Sudarmi Sunarni Sunarni Yusuf Iskandar