Plants of the genus Bacopa are ornamental water plants used in aquascape design. This study examined the differences in morphological and anatomical characteristics in the roots, stems, and leaves of three Bacopa species, namely B. amplexicaulis, B. lanigera, and B. rotundifolia. The identification of morphological structure was based on a book entitled Morfologi Tumbuhan (Plant Morphology) by Tjitrosoepomo (2016). Anatomical identification referred to the book on Plant Anatomy by Crang et al. (2018). The data collected were analyzed descriptively and quantitatively. Bacopa rotundifolia had the smallest leaf size, while B. amplexicaulis had the largest leaf size. All of the observed species had leaf anatomical characters in the form of anomocytic stomata. Bacopa amplexicaulis had the largest stem diameter, measuring 4.38 cm. Trichome and aerenchyma structures were found in all stems of the test species. Bacopa lanigera stems had the most trichomes, 72 in one cross-section. Meanwhile, B. amplexicaulis had the longest trichome (1.590 µm). The aerenchyma of B. amplexicaulis and B. lanigera was flat, while that of B. rotundifolia was oval. Bacopa amplexicaulis had the longest aerenchyma at 957 µm. Only B. lanigera had a trichome on the root.
Dalam kegiatan perekonomian di Indonesia, sektor pertanian memiliki peran penting. Sektor pertanian memberikan kontribusi yang cukup besar terhadap Produk Domestik Bruto (PDB) yaitu sekitar 13,7% pada tahun 2020 satu tingkat di bawah sektor industri pengolahan sebesar 19,88%. Sub sektor atau cakupan kegiatan pertanian yang memiliki potensi besar adalah perkebunan. Pada tahun 2020 sub sektor perkebunan ini menyumbang 3,63% terhadap total PDB dan 26,50% terhadap sektor pertanian, kehutanan, dan perikanan (urutan pertama di sektor tersebut.Kakao ialah salah satu komoditi hasil perkebunan yang berperan cukup penting dalam kegiatan perekonomian di Indonesia. Kakao juga merupakan salah satu komoditas ekspor Indonesia penghasil devisa negara selain minyak dan gas. Indonesia merupakan negara produsen dan eksportir kakao terbesar ketiga dunia setelah Ghana dan Pantai Gading. Selain peluang ekspor yang semakin terbuka, pasar biji kakao di dalam negeri masih cukup besar. Pasar potensial yang akan menyerap pemasaran biji kakao adalah industri pengolahan kakao di Pulau Jawa.
The final report written based on observation in PT Sharia Bank Mandiri Rawamangun branch. Observation methods conducted with observations and interview related to convenant on gold bars. The purpose of this reservation is to know the filing procedures of convenant on gold bars in PT Sharia Bank Mandiri. To apply for gold pawn financing in PT Sharia Bank Mandiri Rawamangun branch, customer comes to the branch office to fill out the application form and attach some requirements like identity card, NPWP card if the financing is above 50 million, have a saving account and warranty of gold bars. In this case, so gold pawn financing can familiar in public especially the middle to lower society then need to socialization and promotion like opening outlets on campus, central business and shopping center.
This research discusses about the implementation of the cost efficiency strategy at PT Bank Muamalat Indonesia, Tbk. As for the phenomenon of the problem that the authors observe on the financial ratios report of PT Bank Muamalat Indonesia, Tbk., especially in the BOPO ratio (Operating Costs to Operating Income), it ranks fourth highest out of a total of 13 Islamic Commercial Banks in Indonesia. Based on the authors’ observation, it has implemented the cost efficiency strategy that is also carried out by banks in general. However, there are some obstacles that result in inefficient bank performance, so the BOPO ratio is still high. Therefore, PT Bank Muamalat Indonesia, Tbk. has made several solutions to overcome the obstacles faced.
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