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Analisis Faktor-Faktor Penyebab Turunnya Penyaluran Kredit Cepat Aman (KCA) pada PT Pegadaian (Persero) UPC Pasar Pagi Vani Daun Limbong; Elisabet Pali; Abedneigo C. Rambulangi
Prosiding Seminar Nasional Manajemen dan Ekonomi Vol. 4 No. 2 (2025): Desember : Prosiding Seminar Nasional Manajemen dan Ekonomi
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/semnas.v4i2.672

Abstract

This study aims to identify and describe the factors contributing to the decline in the distribution of Kredit Cepat Aman (KCA) at PT Pegadaian (Persero), Pasar Pagi Service Unit, during the period of January 2022 to December 2024. This research employs a descriptive qualitative method with a case study approach, involving purposively selected informants consisting of the unit manager, appraisers, and customers. Data were collected through in-depth interviews, participatory observations, and documentation analysis (KCA realization data from 2022 to 2024). The data were analyzed using thematic analysis through the stages of data reduction, data display, and conclusion verification/triangulation. The results indicate that the decline in KCA distribution is influenced by internal factors including interest rate (service fee) policies, collateral appraisal standards, credit provision procedures, non-performing loan ratios, service quality, and marketing activities as well as external factors such as competition among financial institutions, fluctuations in collateral prices, product availability, and local economic conditions affecting community purchasing power. These findings suggest the need for improvements in collateral appraisal procedures, enhancements in service quality and localized marketing strategies, and adjustments to interest rate policies that are responsive to local economic dynamics in order to restore and increase KCA distribution performance.
Pengemasan Kluwek pada Kelurahan Tondok Iring Kabupaten Tana Toraja Sulawesi Selatan Adriana Madya Marampa; Elisabeth Pali; Isak Pasulu; Dina Ramba
Jurnal Nusantara Berbakti Vol. 1 No. 1 (2023): Januari : Jurnal Nusantara Berbakti
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1041.569 KB) | DOI: 10.59024/jnb.v1i1.54

Abstract

Kluwek merupakan salah satu produk yang dihasilkan oleh petani di Kelurahan Lion Tondok Iring Kecamatan Makale Utara. Kendala yang dihadapi oleh mitra yaitu pada proses pengemasan, produk masih belum dikemas dengan baik, sehingga produk yang dihasilkan tidak dapat disimpan dalam waktu yang lama dan berakibat pada penurunan kualitas produk. Padahal desain kemasan merupakan salah satu faktor penentu konsumen dalam membeli produk dan berkaitan dengan daya simpan produk. Oleh sebab itu, tujuan tim pengabdi dalam kegiatan ini adalah memberikan solusi atas kendala yang dialami mitra dengan membuat desain kemasan yang menarik, yang diharapkan dapat meningkatkan daya beli konsumen yang berdampak pada peningkatan nilai tambah produk dan profitabilitas usaha. Metode yang digunakan dalam kegiatan pengabdian ini adalah metode instruksional dan dialog,  tahap kedua dilakukan pengemasan produk dengan desain kemasan yang menarik, Tahap ketiga dilakukan evaluasi hasil kegiatan . Hasil dari kegiatan pengabdian adalah terwujudnya desain kemasan untuk mitra harapannya omzet penjualan mitra semakin meningkat.
Analisis Perbandingan Kinerja Keuangan PT. ABC, Tbk. Sebelum dan Sesudah Mengakuisisi PT. DEF,Tbk Marni Marni; Elisabet Pali; Stefani M. Palimbong
Prosiding Seminar Nasional Manajemen dan Ekonomi Vol. 2 No. 2 (2023): Desember : Prosiding Seminar Nasional Manajemen dan Ekonomi
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/semnas.v2i2.264

Abstract

This study aims to determine the financial performance before and after the acquisition listed on the Indonesian Stock Exchange. This type of research is quantitative comparative, this research is to compare financial performance before and after the acquisition. This study uses quantitative data types, meaning that in analyzing the data used is data in the form of numbers. The unit of observation in this study is the 2016-2020 financial statements of PT ABC, Tbk. Data analysis methods used in this research are profitability ratios, liquidity ratios, solvency ratios and activity ratios by comparing the financial performance before and after the acquisition. Based on the results of research showing that financial performance as measured by financial ratios ROA, ROE, NPM, CR, QR, TATO and FATO has decreased after the acquisition compared to before the acquisition. The DAR, DER, and ITO ratios have increased after the acquisition compared to before the acquisition. The acquisition strategy has not been fully achieved within 2 years due to the condition of the financial performance of PT ABC Tbk. before the acquisition is better than after the acquisition.
Pertanian Organik Sebagai Upaya Peningkatan Perekonomian Masyarakat di Lembang Basokan Stefani Marina Palimbong; Olivia Devi Yulian Pompeng; Astriwati Biringkanae; Lisa Kurniasari Wibisono; Elisabet Pali; Yohanis Lotong Ta’dung
Svarga Pena : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 4 (2025): Desember :Svarga Pena : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/svargapena.v2i4.185

Abstract

Organic farming is a farming system that emphasizes the use of natural ingredients without the use of synthetic chemicals, making it more environmentally friendly and sustainable. The implementation of organic farming not only aims to preserve the environment but also has the potential to increase productivity and community economic well-being. This training and outreach activity was held in Lembang Basokan, Nanggala District, North Toraja Regency, with the aim of increasing community understanding and skills regarding organic farming methods. The main focus of this activity was the use of natural liquid organic fertilizer, which is easy to make, environmentally friendly, and has greater benefits for plant growth and health. The implementation method included counseling, demonstrations of liquid organic fertilizer production, and interactive discussions with the community. The outreach strategy was designed in a communicative and participatory manner to attract community interest and encourage active participation throughout the activity. The results of this activity indicate an increased community understanding of the concept of organic farming and the benefits of using liquid organic fertilizer. Furthermore, the community also expressed interest in implementing organic farming practices as an alternative to increase agricultural yields and improve the family economy. Therefore, this organic farming training and outreach activity is expected to be the first step in developing sustainable agriculture in Lembang Basokan.
When Markets Are Social Institutions: Moral Economy and Symbolic Capital in the Buffalo Trade at Bolu Market, Toraja ? Pasulu, Isak; Pali , Elisabet
Vifada Management and Social Sciences Vol. 3 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70184/ee545j85

Abstract

Traditional animal markets function not only as arenas for economic exchange but also as social spaces shaped by cultural values, social networks, and local power structures. This study aims to analyze the processes of purchasing decision-making and buffalo price determination at the Bolu Animal Market in North Toraja, Indonesia, from the perspective of economic sociology. A qualitative approach with a case study design was employed. Data were collected through participant observation, in-depth interviews with traders, buyers, and customary leaders, as well as supporting documentation. The data were analyzed thematically using the theoretical framework of social embeddedness (Granovetter), moral economy (Polanyi), and social and symbolic capital (Bourdieu). The findings reveal that purchasing decisions and price formation in the buffalo market are not solely determined by price considerations or economic rationality. Instead, these processes are strongly influenced by the symbolic value of buffalo, family honor, and social legitimacy embedded within the Torajan cultural system. Decision-making emerges through the interaction between the physical characteristics of buffalo such as body condition, gender, and culturally recognized markings—and the social structures of the market actors, including social status and relational networks. This study demonstrates that traditional market practices in Toraja are deeply embedded in socio-cultural structures, highlighting the relevance of economic sociology in understanding the dynamics of traditional livestock markets.