Penelitian bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio, Non Performing Loan, BOPO, dan Loan to Deposit Ratio terhadap Profitabilitas. Penelitian menggunakan pendekatan asosiatif kausal yang dilakukan pada Bank Umum Swasta Nasional di Bursa Efek Indonesia periode 2015-2017. Jumlah sampel yang digunakan sebanyak 32 Bank Umum Swasta Nasional di Bursa Efek Indonesia. Metode pengumpulan data dalam penelitian menggunakan metode observasi non partisipan. Teknik analisis yang digunakan adalah regresi linier berganda yang diolah dengan program SPSS dengan teknik penentuan sampel purposive sampling method. Berdasarkan analisis yang telah dilakukan, didapatkan hasil bahwa CAR berpengaruh positif tidak signifikan terhadap profitabilitas. LDR berpengaruh positif dan signifikan terhadap profitabilitas. NPL dan BOPO berpengaruh negatif signifikan terhadap profitabilitas. Kata Kunci: CAR, NPL, BOPO, LDR, profitabilitas

Purpose: Subak is an organization owned by the farming community in Bali which specifically regulates traditional rice field management. Subak Sembung is one of the Subak organizations that is engaged in the production to date. The novelty of this research as well as the purpose of the research is to observe the independence of urban farmers from various sides. The purpose of this research is to increase the independence of farmers in adapting to urban situations.Research Method: Sixty-six members of Subak Sembung participated as study participants. Data were collected by observation and interview sessions. The qualitative analysis was employed to address the first, second, and third aims of the study.Findings: Results revealed that the majority of the farmers had a high level of independence in the aspect of cultivation tool preparation, crop production, capital, capital provider, and type of cultivated commodity. However, lack of independence was identified in the aspect of post-harvest handling, management, selfdevelopment, collaborating to provide agricultural services, and technology adoption.Originality/ Value: We suggest delivering training, workshops, and technology adoption to improve the level of independence of farmers in adapting to urban agriculture.

Livestock sector is one of the agricultural development priorities in the effort to make Indonesia as the world's food barn by 2045. Livestock business has enormous potential to be developed. The purpose of this study is to (1) identify the business characteristics of the applicant for the entry/export permit for livestock sector products; (2) identify the level of accountability, effectiveness and transparency of the application for the entry/export permit for livestock sector products; (3) identify the satisfaction level of the applicant for the entry/export permit for livestock sector; (4) to identify the effect of accountability, effectiveness and transparency on the satisfaction of applicants for entry/export permits for livestock sector products. This study utilize a sample of 80 companies by means of the slovin formula. The analytical method used in this research is descriptive method and structural equation model (SEM). The results shows that (1) the form of the company applying for the permit is dominated by trading businesses (UD) by 36.25 percent which have been operating for about 1-10 years with share ownership and the source of company funding comes from private funding. The majority of companies have a turnover of less than Rp. 300,000,000, - per year which is included in the category of micro-enterprises. The types of permits that are often applied for by applicants are permits for the issuance of inter-provincial beef cattle; (2) the level of accountability, effectiveness and transparency of application for entry/export permits for livestock sector products is in the good category. (3) the satisfaction level of the applicant for entry and exit permits for livestock sector products is in the very satisfied category. (4) effectiveness and transparency have a positive and significant effect on the satisfaction of the permit applicant, but accountability has no effect on the satisfaction of the permit applicant. Thus, it is suggested that there should be a consistent development of e-licensing and procedures, to enable the organizations to increase their capacity in dealing with community demands; and the handling of complaints is expected to be executed swiftly.

The marketing of agricultural products has long been a challenge for the Experimental Garden of the Faculty of Agriculture (KPFP), particularly in the business-to-customer (B2C) arena. To address this issue, KPFP, as one of the business units at Udayana University, has recently embarked on the development of an e-commerce system, recognizing its potential as an alternative medium for promotion, communication, and information dissemination. The objective of this study is to identify the characteristics of each KPFP field and to design an e-commerce system that caters to their respective needs. The analytical approach employed in this study was descriptive qualitative method, supported by simple tabulations and the Lean User Experience (Lean UX) approach. Our findings reveal that each KPFP field has performed its assigned tasks and responsibilities satisfactorily. The e-commerce system we have developed offers customers a choice of payment methods, including cash on delivery (COD), and ensures timely delivery, thus enabling customers to enjoy the products in a fresh condition without any loss of quality. Further research is needed to assess the system's effectiveness using the Success Rate as a usability parameter and to evaluate the efficiency of usage time, measured in seconds or minutes, required by customers to complete each task.