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Reducing the variability of their income by diversifying outside of traditional lending activities into non-interest income sources. We influence the COVID-19 pandemic on the relationship between the use of non-interest income and bank profits and risks in Indonesian banks. The economic effects of the pandemic have resulted in tightening of credit standards and reduced demand for various types of loans. We find that non-interest income sources are positively related to performance but inversely related to risk. These results are consistent with the beneficial diversification effect during the pandemic of banks expanding outside of traditional loan revenue sources.  Keywords: covid-19, profitability, bank, risk

Mountainous areas have a lot of tourism potential, including organic agriculture-based agro-tourism. However, there are still some problems faced by the farming community such as limited skills regarding processing of agricultural products in the form of organic fruits and vegetables as souvenirs typical of mountain tourism. limitation of packaging creativity that meets the health and safety feasibility standards of organic fruits and vegetables as tourist souvenirs that are easily carried by tourists, and marketing of agricultural products in the form of organic fruits and vegetables to attract tourists and the wider community. The methods to be used include methods counseling and training as a means of transfer of knowledge about the processing, packaging and marketing of organic agriculture and the ins and outs of which will be provided to partners, assistance methods to enhance partners' creativity and performance in processing, packaging and marketing agricultural products in the form of organic fruit and vegetables as souvenirs for tourism typical of mountainous areas in the economic development of society and regional tourism, and the provision of packaging equipment to implement packaging that meets hygiene, health and food safety standards, and the creation of a website as a medium for expanding the network to improve a tourist attraction. The targeted results are an increase in skills in processing, packaging, and marketing agricultural products in the form of organic fruit and vegetables as souvenirs typical of mountain tourism, diversification of processed organic plant products as souvenirs typical of an area, the addition of facilities in the form of packaging tools (wrapping mechine) for packaging organic fruits and vegetables so that they are easy to carry as souvenirs for a typical tourist area, the expansion of marketing networks

This study aims to describe the financial performance of banks based on the results of banking financial ratio analysis. The type of research used in this study is descriptive research type using a quantitative approach. The results of banking financial ratio analysis on liquidity ratio analysis shows the condition of financial performance of PT. Bukopin (Persero), Tbk period 2014-2015 can be said good. The average CR of 17.57%, RR 539,239 LDR of 85.12%, LAR of 68.97% has met the standards set by Bank Indonesia and has also exceeded the average of the Commercial Bank of the Company (BUP). The results of solvency ratio analysis, financial performance condition of PT Bukopin (Persero) Tbk in 2014-2015 can be said good because the average CAR of 13.88%, LDAR of 2.39%, DER of 1057.92%, the value has been meet the requirements of Bank Indonesia. In the analysis of earnings ratio, the condition of financial performance can be said not good, because the average on ROA is only 0.97%, ROE of 11.20%, and BO / PO of 88.39%, NPM of 9.49%, the value is still below the average BUP and under the terms of Bank Indonesia. From all financial ratio analysis hence can be known how financial condition of PT. Bukopin (Persero), Tbk. Keywords: financial ratios, corporate financial condition