Strategi Mitigasi Risiko Berbasis Emas dalam Menjaga Stabilitas Nilai pada Lembaga Nonprofit dan Rumah Tangga
DOI:
https://doi.org/10.58344/locus.v5i6.5999Keywords:
Emas, Mitigasi Risiko, Inflasi, Investasi Rumah Tangga, Lembaga NonprofitAbstract
Ketidakpastian ekonomi global, peningkatan inflasi, volatilitas pasar keuangan, dan ketegangan geopolitik telah meningkatkan kebutuhan terhadap instrumen investasi yang mampu menjaga stabilitas nilai aset. Emas secara luas dipandang sebagai aset lindung nilai dan penyimpan nilai, tetapi pemanfaatannya dalam pengelolaan keuangan lembaga nonprofit dan rumah tangga masih relatif terbatas dikaji. Penelitian ini bertujuan menganalisis hubungan antara inflasi dan harga emas serta menjelaskan peran emas sebagai instrumen mitigasi risiko bagi lembaga nonprofit dan rumah tangga. Penelitian menggunakan pendekatan kuantitatif dengan analisis deskriptif dan inferensial terhadap data sekunder periode 2019–2025 yang bersumber dari World Gold Council, International Monetary Fund, Bank Indonesia, dan Badan Pusat Statistik. Analisis dilakukan menggunakan korelasi Pearson dan regresi linier sederhana. Hasil penelitian menunjukkan bahwa inflasi berpengaruh positif dan signifikan terhadap harga emas, dengan koefisien regresi sebesar 214,56 dan nilai signifikansi 0,026. Nilai koefisien determinasi sebesar 0,64 menunjukkan bahwa inflasi mampu menjelaskan 64% variasi harga emas. Temuan tersebut memperlihatkan bahwa emas berpotensi melindungi nilai riil aset ketika tekanan inflasi meningkat. Bagi lembaga nonprofit, emas dapat mendukung perlindungan dana abadi dan cadangan operasional, sedangkan bagi rumah tangga, emas dapat menjaga daya beli, mendukung diversifikasi aset, dan menyediakan likuiditas darurat. Penelitian ini menyimpulkan bahwa emas perlu ditempatkan sebagai bagian dari strategi manajemen risiko jangka menengah dan panjang, bukan sebagai instrumen spekulasi jangka pendek.
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