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

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.

Economic growth is an indicator that plays an important role in determining the prosperity of a country. This study aims to analyse the effect of growth of foreign debt, inflation, Exchange rate, growth of poverty, and regional minimum wage on gross domestic product (GDP) in Indonesia for 2008 - 2021. Data collected through library research from the Central Bureau of Statistics and Bank Indonesia Reports. Furthermore, the data was processed using descriptive statistical analysis and verification. Ordinary Least Square regression analysis using EViews software approach was adopted for analyse the effect of independent variables on dependent variable. The result shows that gross domestic product (GDP) is influenced by the growth of foreign debt, the growth of poverty, and the growth of the minimum wage. This result is supported by the value of t-statistics < t table and also simultaneously through the coefficient of determination shows that the three variables above have a significant effect on the gross domestic product variable.

One measure to assess the level of soundness or performance of a bank's profitability is Return On Assets (ROA). The level of Return On Assets (ROA) is used to measure bank profitability and focuses on the company's ability to earn profits in its operations, Bank Indonesia sets a minimum amount of Return On Assets (ROA) of 1.5%. However, the Return on Assets (ROA) at PT Bank Negara Indonesia Persero, Tbk for the 2011-2021 period fluctuated with a downward trend. Many factors can affect the rise and fall of Return On Assets (ROA). This study aims to explain the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) on Return On Assets (ROA). This research uses quantitative methods with descriptive and verification approaches. The type of data is secondary data sourced from www.idx.co.id and the annual report of PT Bank Negara Indonesia, Tbk. The data analysis method used is descriptive analysis and verification analysis (classical assumption test, multiple regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing). The results showed that: 1) Return on Assets (ROA) fluctuated with a downward trend with an average of 2.53% and a standard deviation of 0.87. 2) Capital Adequacy Ratio (CAR) fluctuates with a downward trend with an average of 17.97% and a standard deviation of 1.59. 3) Net Interest Margin (NIM) fluctuated with a downward trend with an average of 5.63% and a standard deviation of 0.68%. 4) Loan to Deposits Ratio (LDR) fluctuates with an increasing trend with an average of 84.79% and a standard deviation of 6.36. 5) Capital Adequacy Ratio (CAR) has no significant effect on Return On Assets (ROA). 6) Net Interest Margin (NIM) has a significant effect on Return On Assets (ROA). 7) Loan to Deposits Ratio (LDR) has no significant effect on Return On Assets (ROA). 8) Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) simultaneously (together) have a significant effect on Return On Assets (ROA). With the influence contribution of 67.50%, while the remaining 32.50% is influenced by other factors that are not included in the study.

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.