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All Journal Quantitative Economics and Management Studies Daengku: Journal of Humanities and Social Sciences Innovation Journal of Economics, Entrepreneurship, Management Business and Accounting Indonesian Journal Of Business And Entrepreneurship Research Pinisi Journal of Entrepreneurship Review Fundamental and Applied Management Journal Research Economics Management and Business
Diarra, Salim
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Other

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Journal : Fundamental and Applied Management Journal

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Gold Price Dynamics and Earnings Performance in a Non-Bank Gold-Backed Finance Firm Hasyim, Sitti Hajerah; Azis, Fajriani; Diarra, Salim
Fundamental and Applied Management Journal Vol. 3 No. 1 (2025): FAMJ, June 2025
Publisher : PT. Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/famj.v1i1.20252

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 2018–2022, 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 Alisyahbana, Andi Naila Quin Azisah Andika Isma Asmawan, Yudhi Ferdi Andri Aulia, Intan Azis, Fajriani Bahri, Alim Darwin, Dirmansyah Fatmawati, Fatmawati Fitrianti, Retno Gamar Al Haddar, Gamar Al Hajar Dewantara Hamiduddin, Ahmad Yahya Hasyim, Sitti Hajerah Hikmah, Nuril Imran, Un Dini Ivana Grasielda Khatimah, Khusnul Moses Soediro Putra, Saiful Aminudin Al Kusuma Rachmadana, Satria Lintang Sri Undai Nurbayani Suardi, Soni Suryadi, Irwan Wati, Indah Yaqin, Mohamad Ainul