Currently, the status of water quality in the river area tends to decline where one of the causes is the land use along the Sekampung River, and the land use is dominated by agriculture. Mapping of water quality in rivers aims to provide information in the form of distribution of water quality status in rivers. The purpose of this study is to identify the type of land use in the Sekampung River, Sumur Kucing Village, analyze the water quality of the Sekampung River, Sumur Kucing Village based on physical parameters (Temperature and TDS) and chemical (pH, Nitrate, Nitrite, and Ammonia) and interpreted the results of river water quality status using the STORET method spatially thematically. Determination of sample points was carried out using purposive sampling method with 4 sample points which were representative of each land use. Sampling of river water was carried out by referring to SNI 03-7016-2004. The results show that the land use in the Sekampung River is in the form of agricultural areas, plantations, settlements, ponds, and rice fields. The results of the analysis of water quality are based on physical parameters and chemical parameters, parameters that exceed the quality standards include TDS, Ammonia, and Nitrite. The results of the water quality distribution map by determining the status of water quality using the STORET method show point 1 and point 4 are classified as lightly polluted and point 3 and point 2 are classified as moderately polluted.

The role of PT Bank Negara Indonesia (Persero) Tbk (BNI)is essential in distributing People's Business Credits (KUR) to support micro and small businesses in Indonesia. BNI needs to mitigate credit risk to ensure KUR scheme's sustainability and maintain profitability. The objectives of this study are 1) To analyze the development of Non-Performing Loan (NPLs) from KUR distributed by BNI SKC Bogor, and 2) To analyze the factors that influence repayment of KUR distributed by BNI SKC Bogor. This study used secondary data from 1.031 KUR borrowers in 2019. The study results show that KUR distribution by BNI SKC Bogor from 2017-2019 grew by 16.47%. However, credit risk increased where NPL grew 117 % from 0.798% in 2017 to 1.18% in 2019. Model Logit shows that credit characteristics (total credit and interest rates), business characteristics (Dummy service sector and income), and individual characteristics (age) affect the repayment of KUR. The managerial implications for BNI SKC Bogor are: 1) To increase credit distribution in the productive sector (services), (2) to Additional collateral before credit distribution, and 3) Mitigation credit risks towards younger debtors, middleincome borrowers (Rp 10-20 millions/month), and higher interest rate borrower.