Majapahit Journal of Islamic Finance dan Management
Vol. 6 No. 1 (2026): Islamic Finance and Management

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 (Unknown)
Niswatin, Niswatin (Unknown)
Santoso, Ivan Rahmad (Unknown)



Article Info

Publish Date
31 Mar 2026

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.

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Journal Info

Abbrev

majapahit

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Majapahit Journal of Islamic Finance and Management (MJIFM) (E-ISSN 2798-0170) is a journal published by Universitas KH. Abdul Chalim Mojokerto Indonesia four times a year (March, June, September and December). As the name implies, the journal brings two major themes, namely Islamic Finance and ...