Sungai Citarum mempunyai peran sangat strategis bagi kehidupan sosial, budaya, dan ekonomi masyarakat pada 2 provinsi berpenduduk padat di Indonesia, Jawa Barat dan Jakarta. Selain untuk irigasi pertanian dan 80 persen sumber air minum, sungai sepanjang 269 Km ini juga digunakan di sektor perikanan dan industri, serta pembangkit tenaga listrik tenaga air untuk Jawa dan Bali. Oleh karena itu, Sungai Citarum menjadi aset vital dalam mendukung kehidupan bangsa di masa depan. Namun saat ini Sungai Citarum menjadi sorotan besar secara nasional dan internasional karena dinyatakan sebagai sungai terkotor di dunia, dengan tingkat pencemaran tertinggi, 10 kali melampaui baku mutu. Oleh karena itu penanganan penanggulangan pencemaran dan kerusakan Daerah Aliran Sungai (DAS) Citarum harus segera dilaksanakan sebagai agenda nasional yang sinergis dan terintegrasi melalui Program Revitalisasi Hulu DAS Citarum, yang melibatkan seluruh komponen masyarakat. Keterlibatan Universitas Pasundan terhadap kondisi lingkungan di sekitar hulu Citarum sudah dilakukan sejak lama, tepatnya mulai tahun 2012. Sampai saat ini, 22.000 pohon alpukat telah tumbuh dan 6.000 masih di dalam polybag. Jumlah biji yang ditanam mencapai 132.000 biji. Namun, hanya 30% yang tumbuh. Pohon alpukat itu hingga kini terus dijaga agar tumbuh besar. Dipilihnya pohon alpukat karena sifatnya yang kokoh, bisa mengikat tanah, dan mudah dijumpai.
The problem that faced partners is the not yet optimal application of digital marketing in marketing products. The solution to each of these problems is to utilize ADS Facebook and Social Media and provide assistance and training. By providing these solutions, it is hoped that there will be an increase in sales and an increase in social media interaction and being registered in the Market Place. The specific target of this activity is that partners can market their products to various regions so that the distribution radius is wider and in line with increased sales. The method used is to identify needs, SWOT analysis and Expalanatory Survey to Javaganics Partners. The implementation stages consist of (1) Digital Marketing training and empowerment; (2) Data analysis; (3) Coordination of partners and researchers; (4) and internal administration of the institution; (5) Institutional self-evaluation and institutional development funds.
West Bandung Regency, West Java has various types of agricultural products. One of the agricultural products produced is lemon. From the time the pandemic occurred at the end of 2019 until it peaked in 2020 and 2021 demand for lemons increased by 81%. However, at this time in 2022, there is a 50% decrease in demand which has resulted in the income of lemon farmers dropping significantly. One of the causes of the decline in demand is that lemon farmers only focus on a few regular consumers who order large quantities of lemons, as a result, when market demand falls, these consumers will automatically lower their orders. In addition, farmers are unskilled in marketing lemons because they are only used to relying on a few consumers, which makes their garden yields pile up, causing losses. The purpose of this paper is to determine the optimization of effective marketing channels so as to increase the income of lemon farmers.
This study analyzes how the capital condition of 10 commercial banks in the category of bank business activity group 3 which is listed on IDX. The analysis is related to central bank regulation concerning banks being required to increase capital more than the minimum capital adequacy ratio as a buffer to prevent a crisis. Using the panel data regression method to analyze the issue, four independent variables used from internal factors namely Non-Performing Loan, Net Interest Margin, Loan to Deposit Ratio, and Credit Growth, there are one bank has the capital highest and only needs to increase its capital for 4% to join bank business activity group. Furthermore, there are three banks with the lowest capital adequacy ratio. Research results found that NPL significantly affects the capital of 10 banks Group 3. Based on the result, when Non-Performing Loans increase the banks will increase their capital reserves beyond the minimum capital reserves that have been set as a buffer against potential losses. Keywords: CAR; Bank Capital; Fixed Effect Method; Buffer; NPL Abstrak Penelitian ini dilakukan untuk mengetahui bagaimana kondisi permodalan 10 bank umum dalam kategori kegiatan usaha bank kelompok 3 yang terdaftar di BEI. Analisis ini terkait dengan peraturan bank sentral tentang bank yang wajib meningkatkan modal lebih dari rasio kecukupan modal minimum sebagai penyangga (Buffer) apabila terjadi krisis keuangan dan ekonomi yang dapat mengganggu stabilitas sistem keuangan. Dengan menggunakan metode regresi data panel untuk menganalisis permasalahan tersebut, digunakan empat variabel independen dari faktor internal yaitu NPL, NIM, LDR, Pertumbuhan Kredit. Terdapat 1 bank yang memiliki permodalan tertinggi dan dengan hanya menambah modal sebesar 4% bank tersebut dapat masuk kedalam kategori Bank Unit Kegiatan Usaha. Selanjutnya, terdapat tiga bank dengan rasio kecukupan modal terendah sehingga bank tersebut wajib meningkatkan modalnya. Hasil penelitian membuktikan bahwa NPL berpengaruh positif dan signifikan terhadap permodalan 10 bank Bank Unit Kegiatan Usaha 3. Dengan berpengaruhnya NPL terhadap permodalan bank, maka Ketika NPL meningkat bank akan menambah cadangan modal melebihi minimum cadangan modal yang telah di tetapkan sebagai penyangga terhadap potensi kerugian. Kata Kunci: CAR; Modal bank; Metode Fixed Effect; Penyangga; NPL
In improving the economy of a small family, a woman with an important role in economic activity, especially in the activities of SMEs. With the female SMEs can help the family economy, therefore, women should be given a motivation for getting success in entrepreneurship. Educational activities regarding the development of women's empowerment of SMEs is intended to help women who usually only as a housewife, to be able to know how to start doing business and foster entrepreneurial spirit also manages her with good management and professional manner. The method used ismodel of active participation through interactive discussions. Seeing the public response is expected to follow up in an effort to increase the income of local communities, among others, by providing knowledge about the importance of improving the products contained in In the village Ciwalen - District of Sukaresmi Cianjur regency of West Java province in order to increase income supplements for those who already have a business and add insight for new entrepreneurs.
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