Poverty is an issue that is often discussed by society. This research aims to analyze the influence of the level of open poverty, human development index, and level of education on poverty in North Sumatra Province. Using the panel data regression method, the research results show that the human development index and education level have a significant influence on poverty, while the level of open poverty does not have a significant influence. These findings provide important insights for policy makers in designing more effective and sustainable poverty alleviation programs in North Sumatra.

Sharia Pawn (Ar-Rahn) is an agreement between a lender and a party who lends money. A lien is a right to tangible goods that is given to a debtor who wants to get ahead of the debtor, and the item is taken after the person has the money to redeem the lien. Rahn is a pawn service product based on sharia principles, where customers are only charged with administrative fees, additional mortgage and maintenance costs. The purpose of this study was to determine the evolution of income, inflation rates and gold prices in Rahn's credit distribution at PT. Pawn shops in Indonesia. The data analysis method used is descriptive analysis with a quantitative approach used as a data analysis method. The data source comes from secondary data Literature research and documentation are used as data collection techniques. The subject to be studied is PT. Pegadaiic Indonesia 2013- 2022. The results show that gold income and prices are directly proportional to rahn credit distributed to the community. Meanwhile, inflation is not directly proportional to the rahn credit distributed to the public.