Analysis of the Effect of Mortgage Income, Gold Price and Inflation Rate on Rahn Financial Distribution With Return on Assets as Intervening Variable

The this research purpose was to identify the effect of Mortgage Income, gold price, and inflation rate on Rahn financial distribution and the indirect effect with ROA as intervening variable on Sharia Mortgage in Indonesia for 2014-2016 period. This study was designed as quantitative research. The samples were 36 monthly statement of Sharia Mortgages in Indonesia for 2014-2016 period. Analysis method used was path analysis. The research result suggests that partially Mortgage's income and gold prices have a positive and significant effect on ROA, while inflation rates have a negative and significant effect on ROA. Mortgage Income, gold price and ROA have a positive and significant effect on Rahn financial distribution, but the inflation rate has a negative and insignificant effect on Rahn financial distribution. In addition, mortgage income, gold price, and inflation rate have an effect on Rahn financial distribution through ROA as intervening variable.