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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Karim, Iftita Maryam Nur
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Customer Number and Inflation Level on Pawn Financing at the Agus Salim Sharia Service Unit (UPS) of Gorontalo City Karim, Iftita Maryam Nur; Niswatin, Niswatin; Santoso, Ivan Rahmad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.883

Abstract

This study aims to analyze the effect of the number of customers and the inflation rate on rahn (pawn) financing at the Sharia Pawnshop, Sharia Service Unit (UPS) Agus Salim, Gorontalo City, by incorporating a COVID-19 pandemic dummy variable to distinguish between conditions during and after the pandemic. This quantitative study uses secondary data sourced from Sharia Pawnshop's internal reports and the Central Statistics Agency for the period 2019-2024. The sample consisted of 72 months of observations. Data analysis was conducted using multiple linear regression with a dummy variable as a control variable, along with classical assumption tests, utilizing EViews version 13. The results indicate that, partially, neither the number of customers nor the inflation rate has a significant effect on rahn financing. However, simultaneously, both variables have a significant combined effect. Furthermore, a significant difference exists between the pandemic and post-pandemic periods, with the distribution of rahn financing increasing in the post-pandemic period.
The Effect of Customer Number and Inflation Level on Pawn Financing at the Agus Salim Sharia Service Unit (UPS) of Gorontalo City Karim, Iftita Maryam Nur; Niswatin, Niswatin; Santoso, Ivan Rahmad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.883

Abstract

This study aims to analyze the effect of the number of customers and the inflation rate on rahn (pawn) financing at the Sharia Pawnshop, Sharia Service Unit (UPS) Agus Salim, Gorontalo City, by incorporating a COVID-19 pandemic dummy variable to distinguish between conditions during and after the pandemic. This quantitative study uses secondary data sourced from Sharia Pawnshop's internal reports and the Central Statistics Agency for the period 2019-2024. The sample consisted of 72 months of observations. Data analysis was conducted using multiple linear regression with a dummy variable as a control variable, along with classical assumption tests, utilizing EViews version 13. The results indicate that, partially, neither the number of customers nor the inflation rate has a significant effect on rahn financing. However, simultaneously, both variables have a significant combined effect. Furthermore, a significant difference exists between the pandemic and post-pandemic periods, with the distribution of rahn financing increasing in the post-pandemic period.
Co-Authors Ivan Rahmat Santoso Niswatin