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Peatlands support the daily needs of people in many villages in Indonesia, including in Central Kalimantan Province. They provide the natural resources to enable fisheries, agriculture, plantations, and forestry. However, peatland utilization comes with various challenges, including fire, soil acidity, inundation, low fertility, and limited choice of suitable species. Many of the current uses of peatland can result in its degradation, oxidation, and increased risk of peat fire. Avoiding further environmental degradation will require the development of new technology that allows the community to both earn a livelihood and protect the peatland. In this study we assessed a range of technologies applied by 14 farmers at Tumbang Nusa village, Central Kalimantan province, in managing degraded peatlands in their home yard for agricultural business. The study shows that for endemic peatland species, good success can be achieved if they are planted directly. However, for species endemic to mineral land, there are four technologies applied by farmers in managing degraded peatland. The choice of technologies is influenced by their economic capacity/cash flow flexibility and their understanding of peatlands. Technologies intended to adapt to land inundation include the use of polybags, development of raised beds, and making peat mounds with mineral soil in the centre. Technologies to address the acidity and soil fertility include amelioration with dolomite lime and fertilizer. The use of polybags filled with peat soil is the easiest technology to adopt and can be conducted by all family members. However, a farmer’s choice of technology needs to always consider the potential environmental impacts in addition to increasing soil fertility so that peat conservation is maintained.

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The research will look at the impact of credit restructuring on the income of banks in Indonesia. This research was conducted with a quantitative approach, with reference to the data used is secondary data, in the form of financial reports of all banking issuers (45 issuers) which are reported and summarized on the official website of the Indonesia Stock Exchange (BEI). The results of hypothesis testing using the t test show a significance value of 0.00 <0.05 with a coefficient value of -1.260, which means that credit restructuring has a negative effect on bank income, it can be concluded that the credit restructuring variable (X) partially has a negative effect on the income variable. (Y). The higher the credit restructuring, the lower the income of banking companies listed on the IDX. The result of the coefficient of determination shows the ability of the independent variable to explain the variation of the dependent variable of 0.945 or 94.5%, which means that the effect of credit restructuring (X) on income (Y) is 94.5% and the remaining 5.5% is influenced by other variables outside of this research model.