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"Abstract. The information and communication technology universal service obligation (ICT USO) was an instrument of the policy of the government in order to overcome the ICT development gap. Unfortunately, this instrument could not providethe most favorable value to the community due to the lack of synchronization between the Central Government and the Local Administrations in the ICT USO activity. With the use of the institutional-based view (IBV) theory, which was enriched withthe New Institutional Economic Sociology (NIES), this study used the soft systems methodology based-action research that was enriched with social network analysis. The results of this study showed that (1) the governance structure in the ICT USOactivity did not run well; (2) the absence of the synchronization of the ICT USO activity between the central government and the local administrations; (3) the absence of the harmonization of the relations between BP3TI with the local administrations;(4) the lack of the involvement of the local administrations including the social institution of the community as the intermediary organization. Subsequently, there was a necessity for a strategy in the formulation, the implementation, and the control in theICT USO activity on the mechanism of the dynamics of relations between government levels so that it could provide the best service to the community. Therefore, the development of an efficient ICT USO would encourage the realization of a prosperousinformation community with high levels of competitiveness. Meanwhile, the contribution of the novelty in this research paper was to answer the strategic restructuring on various levels of policy-micro, meso, and macro in developing a governancestructure that could synchronize the strategy in the ICT USO activity with the hybrid of IBV and NIES.Abstrak. Information communication technology service obligation universal (ICT USO) merupakan instrumen kebijakan pemerintah dalam mengatasi kesenjangan pembangunan ICT. Sayangnya, instrumen ini belum memberikan nilai optimal kepadamasyarakat karena terdapat ketidak-sinkronan antara Pemerintah Pusat dan Pemerintah Daerah dalam kegiatan ICT USO. Dengan menggunakan teori Institutional Based View(IBV) yang diperkaya dengan New Institutional Economic Sosiology(NIES),kajian ini menggunakan metode penelitian Soft Systems Methodology based-Action Research diperkaya dengan Social Network Analysis. Hasil kajian menunjukkan (1) belum berjalannya governance structure dalam kegiatan ICT USO, (2) belum adanyasinkronisasi kegiatan ICT USO antara pemerintah pusat dan daerah; (3 belum ada harmonisasi hubungan antara BP3TI dengan pemerintah daerah; (4) kurangnya keterlibatan pemerintahan daerah termasuk lembaga sosial masyarakat sebagai organisasiantara. Untuk itu, perlu adanya strategi dalam perumusan, pelaksanaan, dan pengendalian dalam kegiatan ICT USO pada mekanisme dinamika hubungan antar level pemerintah sehingga dapat memberikan layanan terbaik pada masyarakat.Dengandemikian, pembangunan ICT USO yang berdaya guna mampu mendorong terwujudnya masyarakat informasi yang sejahtera dan memiliki daya saing tinggi. Sementara kontribusi keilmuan (novelty) dalam kajian ini adalah menjawab retrukturisasi strategic(Strategic Restructuring) pada berbagai hierarki kebijakan-mikro, meso, dan makro dalam membangun struktur tata kelola (governance structure)yang mampu mensinkronkan strategi dalam kegiatan ICT USO dengan hibrida IBV dan NIES."

"This research aimed to give illustration of profit achievement through determination of premium income based on technical assumptions that could be controlled by the company. This model could generally be used as a management tool to take the decision and to arrange the company work planning through allocation of company?s resources. The research was carried out at BRIngin Life Syariah (BLS) company. The results of this study showed that premium income achievement to reach the break even point depended on the kind of insurance products marketed, the operational cost, the investment yield and the risk level of clients. Based on the analyses of profit testing and sensitivity, the product of Tabarru? produced a better break even point and profit indicator than the insurance products that had the savings element. The results showed that the product of Tabarru with the operational cost between IDR 247,500.0 - IDR302,500.00 per year would reach the break even point between 3.60?5.26 a year. The savings products that had the same operational costs could reach the break even point at 3.91?5.47 a year."

"PT Bank Mandiri, Tbk. as the biggest state-owned bank in Indonesia must perform changes and its employees must continuously adapt to its environment in order to exist in its endeavour to be the best in the banking world. This quantitative research uses samples taken randomly from the population of the entire employees of Bank Mandiri central office located in Jakarta. The analysis of the data uses the regression design to perceive the influence of five disciplines of learning organization?i.e. personal mastery, shared vision, mental model, system thinking, and team learning?toward the competence improvement of Mandiri Bank Central Office`s employees in Jakarta, signified by motives, traits, self concept, knowledge, and skill. The result of the research shows that learning organization has a strong relation and a significant influence toward the competence improvement of the employees at Mandiri Bank Central Office in Jakarta."