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Let s=speed of stream
Remember, the distance-rate-time formula is

Divide both sides by r to solve for t.

Rearrange the equation.
So when she goes upstream (against the current), the stream is slowing her down. So this means that

and

. So the equation for the upstream portion of the journey is:
When she goes downstream (with the current), the stream is speeding her up. So this means that

and

. So the equation for the downstream portion of the journey is:
Now simply add these two equations together to get the total time 3 hours like this:

Multiply both sides by the LCD

to clear the fractions.

FOIL

Distribute

Combine like terms.

Subtract 243 from both sides.

Divide both sides by

.

Take the square root of both sides. Note: only the positive square root is considered.
So the speed of the stream is 3 km/hr