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All Journal Jurnal Ilmiah Edunomika (JIE) Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Kontigensi: Jurnal Ilmiah Manajemen JURNAL EKONOMI, BISNIS DAN TERAPAN (JESIT) Jurnal Manajemen Widya Amerta Proceeding of The International Conference on Economics and Business Profit: Jurnal Manajemen, Bisnis dan Akuntansi Prosiding Seminar Nasional Manajemen dan Ekonomi Jurnal Kabar Masyarakat Jurnal Informasi Pengabdian Masyarakat Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Master Manajemen Jurnal Pengabdian Masyarakat dan Riset Pendidikan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Dikmas Ekspresi: Publikasi Kegiatan Pengabdian Indonesia Abdi Karya: Jurnal Pengabdian Kepada Masyarakat Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial Jurnal Ilmiah Manajemen Profetik
Westerini Lusdani
Universitas Kristen Indonesia Toraja, Sulawesi, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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PENGARUH INKLUSI KEUANGAN, PENGETAHUAN KEUANGAN DAN TINGKAT PENDIDIKAN TERHADAP PERILAKU KEUANGAN PADA PELAKU UMKM DI KECAMATAN RANTEPAO KABUPATEN TORAJA UTARA Lusdani, Westerini; Panimba, Winta; Herlisya, Herlisya
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i1.16564

Abstract

The Influence of Financial Knowledge, Financial Inclusion and Education Level on Financial Behavior among MSMEs in Rantepao District, North Toraja Regency. This research aims to find out whether the variables Financial Knowledge, Financial Inclusion, and Education Level have an effect on Financial Behavior. The type of research used in this research is quantitative descriptive. This research used a sample of 71 MSMEs in Rantepao District. The results of this research show that partially Financial Knowledge has a significant effect on Financial Behavior in MSMEs in Rantepao District, this can be seen in the results of the t test where the sig value is 0.037 < 0.05, partial Financial Inclusion has no significant effect on Financial Behavior For MSMEs in Rantepao District, with a value of sig. 0.857 > 0.05, while the level of education partially has a positive effect on the financial behavior of MSMEs in Rantepao District, a value of sig. 0.016.< 0.05 and simultaneously Financial Knowledge, Financial Inclusion, and Level of Education have a significant positive effect on Financial Behavior in MSMEs in Rantepao District. This can be seen in the results of the F test where the significance value is 0.004 < 0.05.
Pendampingan Pemasaran Dan Pengelolaan Keuangan Usaha Mandiri Persatuan Pemuda Gereja Toraja Jemaat Buntu Lemo Winta Panimba; Westerini Lusdani; Ellyn Patadungan; Wilma Dian Ardiyanti
Jurnal DIKMAS Vol. 5 No. 2 (2023): Jurnal DIKMAS
Publisher : Biro Pengelolaan Penelitian dan Pengabdian Kepada Masyarat SETIA Ngabang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/dikmas.v5i2.268

Abstract

The implementation of this Mentoring activity is carried out by assisting in Marketing, Financial Management and Independent Business Development which is carried out by the Toraja Church Youth Fellowship of the Buntu Lemo Congregation which is managed independently for the needs of the PPGT organization. This community service activity method has several stages, including initial surveys, interviews with partner groups to find problems and solutions offered as well as assistance with marketing and financial management. The PPGT Buntu Lemo Congregation's independent business includes several types of business, including: tent rental, sound system rental and dance studio and decorations. Strengthening the marketing strategy of the PPGT Mandiri Business of the Buntu Lemo Congregation to be able to compete in marketing products and managing finances correctly and regularly will make the business better.
PENDAMPINGAN PENDIRIAN KOPERASI DESA MERAH PUTIH LEMBANG MA’KUANPARE BERBASIS PARTISIPASI Lusdani, Westerini; Patadungan, Ellyn; Pagiu, Chrismesi; Marniati, Marniati; Pundissing, Rati
Indonesian Journal of Engagement, Community Services, Empowerment and Development Vol. 5 No. 2 (2025): Indonesian Journal of Engagement, Community Services, Empowerment and Developme
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijecsed.v5i2.210

Abstract

Community-based economic development is a crucial strategy for achieving sustainable rural welfare. This community engagement program aims to assist the residents of Lembang Ma’kuanpare in establishing the Merah Putih Village Cooperative through a participatory approach and the utilization of local potential. The method used is Participatory Action Research (PAR), integrating the processes of needs assessment, training, planning, organizational formation, and legal registration of the cooperative. The results show that participatory cooperative development enhances community understanding and involvement, fosters local leadership, and creates new social institutions that support village economic development. The established cooperative functions not only as a platform for collective enterprise but also as a driving force for social transformation based on local potential.
Pelatihan Pengelolaan Keuangan keluarga Bagi Ibu-Ibu Rumah Tangga Kelompok Wisma Anggrek Kelurahan Lapandan Kabupaten Tana Toraja Dwibin Kannapadang; Westerini Lusdani; Althon K. Pongtuluran; Helba Rundupadang
Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial Vol. 2 No. 3 (2025): Agustus : Masyarakat Berkarya : Jurnal Pengabdian dan Perubahan Sosial
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/karya.v2i3.2001

Abstract

The ability to manage family finances is a crucial aspect in realizing household economic resilience. In practice, many housewives do not have adequate knowledge and skills in budgeting, saving, and prioritizing needs wisely. This community service activity was carried out with the aim of improving family financial literacy among housewives, especially members of the Wisma Anggrek Group, Lapandan Village. The method of implementing the activity consists of three main approaches, namely counseling on basic family financial management materials, interactive discussions to explore participants' experiences and challenges, and simulations of realistic and applicable household budget preparation. The training material covers the basic principles of financial management, saving strategies, controlling expenses, and how to prioritize needs based on the scale of urgency and financial capabilities. The results of the activity showed a significant increase in participants' understanding of the concept of family financial management. Participants are able to draw up a simple budget, recognize unnecessary expenses, and start implementing consistent saving habits. In addition, group discussions encourage the creation of spaces for sharing experiences and practical solutions among participants, which strengthens the collective spirit in building healthy financial habits. This activity has a positive impact on shaping a more planned financial mindset and behavior among housewives. It is hoped that this training will be the first step in building sustainable household economic resilience, as well as encouraging family financial independence through wise and responsible financial management.
Pengaruh Pengendalian Diri dan Gaya HidupTerhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Kampus Rantepao Universita Kristen Indonesia Toraja Lusdani, Westerini; Panimba, Winta; Mantong, Agustinus
JIMP: Jurnal Ilmiah Manajemen Profetik Vol. 3 No. 2 (2025): Jurnal Ilmiah Manajemen Profetik
Publisher : Program Studi Manajemen, STIE Hidayatullah, Depok, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55182/jimp.v3i2.601

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Pengendalian Diri dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Kampus Rantepao Universitas Kristen Indonesia Toraja. Latar belakang penelitian ini didasarkan pada fenomena meningkatnya perilaku konsumtif di kalangan mahasiswa, yang dipengaruhi oleh perkembangan teknologi, tren gaya hidup, serta kemampuan individu dalam mengendalikan dorongan untuk berbelanja. Jenis penelitian ini adalah penelitian kuantitatif dengan jumlah sampel 228. Data penelitian ini dikumpulkan melalui kuisioner, diproses dianalisis menggunakan analisis regresi berganda dengan menggunakan SPSS. Tenkik pengambilan sampel yang digunakan adalah accidental sampling. Sedangkan analisis data yang digunakan adalah uji instrumen, uji asumsi klasik, dan uji hipotesis. Hasil data penelitian ini menunjukkan bahwa Gaya Hidup berpengaruh positif terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Kristen Indonesia Toraja dengan nilai koefisien uji t sebesar 0,167 dan tingkat signifikan sebesar 0,006 < 0,05. Pengendalian Diri berpengaruh positif dan signifikan terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Kristen Indonesia Toraja dengan nilai koefisien uji t sebesar 0,279 dan tingkat signifikan sebesar 0,002 < 0,05.
PENGARUH HARGA DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN PADA SEJAHTERA MART RANTEPAO KABUPATEN TORAJA UTARA Panimba, Winta; Lusdani, Westerini; Tonapa, Ulfiani
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14583

Abstract

The Influence of Price and Service Quality on Purchase Decisions at Sejahtera Mart Rantepao, North Toraja Regency. The problems in this study are: Does the price affect purchasing decisions at Sejahtera Mart Rantepao. Does the quality of service affect purchasing decisions at Sejahtera Mart Rantepao.) Do prices and service quality affect purchasing decisions at Sejahtera Mart Rantepao. The population in this study are consumers who make purchases at Sejahtera Mart Rantepao. Sampling in this study is Nonprobability Sampling. The data analysis technique used is instrumenttest, classical assumption test, hypothesis testing. The results of the study The price has a significant effect on purchasing decisions because the value of t_count>t_table is 0.254>0.2006 and the resulting significance is 0.800 t_table or 0.677>0.2006 and the resulting significant is 0.500
Penguatan Peran Orang Tua Remaja melalui Edukasi Pengasuhan Anak Pubertas dan Literasi Keuangan Keluarga Westerini Lusdani; Winta Panimba; Rati Pundissing; Dwibin Kannapadang; Agustinus Mantong
Ekspresi : Publikasi Kegiatan Pengabdian Indonesia Vol. 3 No. 1 (2026): Januari: Ekspresi : Publikasi Kegiatan Pengabdian Indonesia
Publisher : Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/ekspresi.v3i1.1051

Abstract

This Community Service Program (PkM) aims to strengthen the role of adolescent parents through education on parenting during puberty and family financial literacy in Lembang Tondon Langi’, Tondon District, North Toraja Regency. Through two training sessions led by Ibu Rio Rita Pakan and Ibu Westerini, the program focused on enhancing the knowledge and skills of parents in addressing the challenges of parenting adolescent children and managing household finances. The first session, which addressed parenting during puberty, provided parents with insights into the characteristics of adolescent development and effective communication strategies. The second session, which focused on family financial management, offered practical skills in budgeting, debt management, and saving for the future. The results of the program showed that parents in Lembang Tondon Langi’ felt more prepared and confident in applying a more open and adaptive approach to parenting, as well as becoming more prudent in managing household finances. The enhancement of skills in both areas is expected to create more harmonious families and greater financial stability. The sustainability of the program is recommended through the formation of ongoing discussion groups and the active involvement of community leaders. This program has contributed positively to family welfare and the empowerment of parents in rural areas
TINGKAT KEPUASAN PELANGGAN TERHADAP KUALITAS PELAYANAN PADA GANDRIAL COFFESHOP DI KECAMATAN MAKALE KABUPATEN TANA TORAJA Esra Tandira’ba; Dina Ramba; Yohanis Lotong Ta’dung; Westerini Lusdani
Prosiding Seminar Nasional Manajemen dan Ekonomi Vol. 1 No. 2 (2022): Desember : Prosiding Seminar Nasional Manajemen dan Ekonomi
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (134.97 KB) | DOI: 10.59024/semnas.v1i2.23

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kepuasan pelanggan terhadap kualitas pelayanan pada Gandrial Coffee Shop di Kecamatan Makale Kabupaten Tana Toraja. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif kualitatif. Teknik pengumpulan data yang digunakan yaitu dengan penelitian kepustakaan dan penelitian lapangan melalui prosedur pengumpulan data yaitu observasi, wawancara, kuesioner dan dokumentasi. Teknik analisis data yang digunakan yaitu menggunakan rumus CSI dil lengkapi dengan tabel customer satisfaction index (CSI). Hasil dari penelitian ini yaitu 82% menunjukkan bahwa tingkat kepuasan pelanggan terhadap kualitas pelayanan pada Gandrial Coffee Shop di Kecamatan Makale Kabupaten Tana Toraja berada pada kategori sangat puas.
STRATEGY FOR DEVELOPING THE SALULIANG TOURIST OBJECT IN SAWANGAN, MALIMBONG, BALEPE DISTRICT Abedneigo Carter Rambulangi; Oktavianus Pasoloran; Althon Karaman Pongtuluran; Agustinus Mantong; Yohanis L. Ta’dung; Westerini Lusdani; Prajman.E.Pasambo; Natasya Bua’Langi
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19527

Abstract

The study aims to determine the Strategy For Developing The Saluliang Tourist Object In Sawangan, Malimbong, Balepe District. This research is qualitative. The informants in this study were the managers of the Saluliang Kolesawangan tourist attraction. Data collection methods used were interviews, observation, and documentation.The data analysis techniques used in this study are data presentation, data reduction and drawing conclusions.The results of this study indicate that the strategy carried out by the Saluliang Tourism Object Manager in developing its tourism sector is by collaborating with the Tana Toraja Regency Tourism Office to hold training, especially in the field of marketing, carrying out promotional and marketing strategies with 2 (two) approaches, namely Offline and Online. Not only that, the local community also plays a role as supervisors, implementers and recipients, besides that the local community also plays a role in developing culinary and woven fabrics to be seen and sold to visitors. Keywords : Development Strategy, Tourism, Saluliang Kolesawangan Tourist Attraction
Pendampingan Pengelolaan Keuangan untuk Mendorong Peningkatan Pendapatan Pengelola Objek Wisata Tampang Allo Westerini Lusdani; Yohanis Lotong Ta’dung; Chrismesi Pagiu; Rati Pundissing
Jurnal Informasi Pengabdian Masyarakat Vol. 4 No. 2 (2026): Mei :Jurnal Informasi Pengabdian Masyarakat
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jipm-nalanda.v4i2.2462

Abstract

Tampang Allo Tourism Object is one of the local tourism potentials that can be developed as a source of community income. However, financial management that has not been planned and structured properly remains one of the main obstacles in optimizing tourism revenue. This community service activity aims to improve the understanding and skills of tourism managers in recording financial transactions, preparing simple financial reports, classifying sources of income and expenses, and planning the use of funds more effectively. The activity was implemented using a participatory approach through initial observation, interviews, problem identification, financial management training, practical mentoring, monitoring, and evaluation. The results show that the managers began to understand the importance of recording income and expenses regularly, separating operational funds, and using financial reports as a basis for determining tourism development priorities. This mentoring activity also encouraged the involvement of managers and the local community in managing tourism revenue more transparently and responsibly. The implication of this activity is the improvement of managers’ capacity in organizing tourism financial management, which can support decision-making, cost control, facility maintenance, promotion, and sustainable income growth.
Co-Authors Abedneigo C. Rambulangi Abner Tahendrika Ade Lisa Matasik Agustinus Mantong Ahmad Ahmad Alex, Jelitha Althon K. Pongtuluran Ariantho Rekan Palallo Chrismesi Pagiu Daniel L. Pakiding Daniel Lallo Pakiding Dhea Toding Pasak Dian Intan Tangkeallo Dina Ramba' Ellyn Patandungan Esra Tandira’ba Euodia Euodia Hany Helba Rundupadang Hendrikus Kadang Herlisya, Herlisya Lallo Pakiding, Daniel Lilisda Sampe Lisa Kurniasari Wibisono Marniati Marniati Marniati Marniati, Marniati Marthin, Alvin Anugrady Natasya Bua’Langi Oktavianus Pasoloran Paganggi, Yadiel Piter, Saltika Prajman.E.Pasambo Prisilia Yosafat, Widya Randi Tangdialla Rati Pundissing Seni Sapu Srisetyawanie Bandaso Sussana Eka Topayung Tonapa, Ulfiani Ulfiani Tonapa Uli Urbanus Bubun Wilma Dian Ardiyanti Winta Panimba Yohanis L. Ta’dung Yohanis Lotong Ta'dung