Greetings | New Gardeners | Commercial Hydroponics farming

Dear All

I have begun my baby steps into gardening and I really love the information that I have received in this forum. Thank you for the help.

I am a small terrace garden with capsicum, sweet pumpkin, dill radish growing along with a few flowering plants like bougainvillea, hibiscus and rose.

I currently am facing a few issues. I request all the the experienced people to help me out.

1. I have planted seeds of tomato, karela and papaya in 15'' pots with equal measure of cocopeat, mud and cow manure. The seeds have not germinated and it has been 10 days now.
2. My hibiscus plant has some white coloured fungus kind of the thing at the tip of the stems just before the flower bud base. I am not sure what it is but I know it is some kind of disease that is affecting the plant. How do I get rid of this problem.
3. Some of the bougainvillea are growing well but they are not flowering. They are only growing leaves.
4. I have a big grow bag with full of capsicum saplings grown to about 8 inches in height. I have about 10 saplings in one grow bag. I am scared to transfer them into individual grow bags. Kindly suggest how to go about this.

Thank you for all the help