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All Journal JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI Jurnal Review Pendidikan dan Pengajaran (JRPP) JURNAL EKSBIS Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Indonesian Collaboration Journal of Community Services (ICJCS) JURNAL EKONOMI, BISNIS DAN TERAPAN (JESIT) Jurnal Ekonomika Dan Bisnis Proceeding of The International Conference on Economics and Business Sewagati: Jurnal Pengabdian Masyarakat Indonesia Jurnal Masyarakat Mengabdi Nusantara Amare Jurnal Publikasi Ilmu Manajemen Innovative: Journal Of Social Science Research Jurnal Manajemen dan Ekonomi Kreatif Jurnal Nusantara Berbakti Prosiding Seminar Nasional Manajemen dan Ekonomi Jurnal bintang manajemen Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Riset Ilmu Manajemen Bisnis dan Akuntansi Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Ardhi: Jurnal Pengabdian dalam Negri Jurnal Ekonomi dan Pembangunan Indonesia AgroSainT: Jurnal Ilmiah Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Svarga Pena: Jurnal Pengabdian Kepada Masyarakat Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi
Elisabet Pali
Universitas Kristen Indonesia Toraja
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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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.
Analisis Pengaruh Kualitas Produk, Harga, dan Citra Merek terhadap Minat Beli Ulang pada Sado’ko’ Coffee Di Kecamatan Makale, Kabupaten Tana Toraja Bandangan, Raynald Caprius; Rambulangi, Abedneigo Carter; Pali, Elisabet
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 3: April 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/j-ceki.v5i3.15243

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk, harga, dan citra merek terhadap minat beli ulang pada Sado’ko’ Coffee di Kecamatan Makale, Kabupaten Tana Toraja. Latar belakang penelitian ini didasarkan pada semakin ketatnya persaingan dalam industri kopi lokal, sehingga pemahaman terhadap faktor-faktor yang memengaruhi keputusan pembelian ulang menjadi penting untuk menjaga keberlanjutan usaha. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei, dengan pengumpulan data melalui kuesioner yang telah diuji validitas dan reliabilitasnya. Analisis data dilakukan menggunakan regresi linier berganda setelah melalui serangkaian uji asumsi klasik. Hasil penelitian menunjukkan bahwa kualitas produk dan citra merek berpengaruh positif dan signifikan terhadap minat beli ulang, sementara harga menunjukkan pengaruh negatif namun signifikan terhadap minat beli ulang. Secara simultan, ketiga variabel tersebut memberikan pengaruh yang signifikan terhadap minat beli ulang konsumen. Temuan ini menegaskan bahwa kualitas produk, persepsi harga, dan kekuatan citra merek merupakan determinan utama dalam mendorong loyalitas konsumen pada industri kopi lokal. Penelitian ini memberikan implikasi praktis bagi pelaku usaha untuk mengoptimalkan kualitas produk, menetapkan strategi harga yang sesuai dengan persepsi nilai konsumen, serta memperkuat citra merek guna meningkatkan minat beli ulang dan daya saing usaha.
Analysis of the Characteristics of Customers Experiencing Non-Performing Loans (NPL) Using a Data Mining Approach (Case Study at PT. Pegadaian (Persero) Makale Branch Service Unit) Sylventer Iven; Marchelin; Elisabet Pali
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9392

Abstract

Non Performing Loan, Customer Characteristics, Data Mining, Clustering, Pawnshops
Co-Authors Abedneigo C. Rambulangi Adriana M Marampa Adriana M. Marampa Adriana Madya Marampa Agnes Mayjesti Agustinus Mantong Althon K. Pongtuluran Aris Sarangnga' Arlianti La’biran Asriani Asriani Bandangan, Raynald Caprius Biringkanae, Astriwati Desnita Layuk Allo Dina Ramba' Febi Andaki Grace Sriati Mengga Heriani Heriani, Heriani Inestasia Inestasia Isak Pasulu Jemi Pabisangan Tahirs Jens B Marewa K. Wibisono , Lisa K. Wibisono Kurniasari Wibisono, Lisa Lambe, Elvi Teresa Leni Agnes Lestari, Raden Liandro Doke Lindayanti Bisara Lisa Kurniasari Wibisono Lusiana Tandi Marchelin Marchelin Marchelin Marchelin, Marchelin Marinus Ronal Marinus Ronal Marni Marni Marniati Marniati membia, tania Mey Enggane Limbongan Mince Batara Nilasari Resky Pala’langan Olivia Devi Yulian Pompeng Olivia Devi Yulian Pompeng Palili, Mariani Pasorong, Selvi Pauang, Judika Greis Pompeng, Olivia Devi Yulian Prastika, Ayu Rahma Gusmawati Tammu Randi Tangdialla Resinta Roland Salempang Selin Bessoran Palulun Selmiati Tiranda Stefani Marina Palimbong Sylventer Iven Tangke, Mersi tania membia Tappi , Serlina Tasik, Valentine Toding Triani Sumule Vani Daun Limbong Wandy Desry Wandy Desry Wansi Tandi Ruru Yohanis Lotong Ta'dung Yolanda Basongan