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STUDI IDENTIFIKASI KESESUAIAN PENGELOLAAN DANA BPJS KESEHATAN DENGAN PRINSIP SYARIAH

JEP (Jurnal Ekonomi Pembangunan) · Vol. 8 No. 2 (2019) · pp. 272–288

DOI
10.57206/jep_uho.v8i2.6125
ISSN
2503-2089, 1979-231X
Published
2019-04-06
Publisher
Universitas Halu Oleo
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

This study aims to determine the level of suitability of BPJS Health fund management with sharia principles. The design of the study is qualitative descriptive. Data collection is done using interview guide lists. In this study, the informants were 1 person BPJS Health leader, 3 staff employees, 2 directors, and 4 Kendari Health BPJS insurance participants. This study uses descriptive analysis. The results showed that the management of health BPJS insurance funds was known to contain elements of usury. It is said to contain elements of usury because every month the contribution funds that enter the BPJS account are of course certainly getting ziyadah or additional funds as conventional banks in general. The premium system run by BPJS contains things that contain elements of gharar seen from unclear agreements used between participants and the BPJS, containing elements of uncertainty (gambling / maysir) in premium payments and the amount obtained and there are elements of injustice to participants who die the world whose premiums are said to be non-refundable (forfeited), as well as the separation between the poor, middle and upper classes in the facility

Keywords

Collaboration network of the authors

40 authors · 78 co-authorship links · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Halu Oleo
  • Politeknik Negeri Ujung Pandang
  • Hasanuddin University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Adiansyah AdiansyahAffiliation unknown2
Fistarisma IshakAffiliation unknown1
Rostin RostinAffiliation unknown1
Yusnaini YusnainiUniversitas Halu Oleo1
La SaraUniversitas Halu Oleo1
Edy KarnoUniversitas Halu Oleo1
RAMLY RAMLYUniversitas Halu Oleo1
Muh Festuka IslambayAffiliation unknown1
La Tondi La TondiAffiliation unknown1
Muhammad Yusril Ersya RamadhaniAffiliation unknown1
Ernawati ErnawatiAffiliation unknown1
Muh. RafiyAffiliation unknown1
Afrizal AfrizalAffiliation unknown1
Baheri BaheriAffiliation unknown1
Al HikmahAffiliation unknown1
Gamsir GamsirAffiliation unknown1
Nursaban NursabanAffiliation unknown1
Marwan MarwanPoliteknik Negeri Ujung Pandang1
La Ode SuriadiAffiliation unknown1
Heppi MilliaAffiliation unknown1
M. NatsirAffiliation unknown1
Pasrun AdamAffiliation unknown1
Rosnawintang RosnawintangAffiliation unknown1
Petrus MannaAffiliation unknown1
Darmin TuwuUniversitas Halu Oleo1
Liwaul LiwaulUniversitas Halu Oleo1
Sulsalman MoitaUniversitas Halu Oleo1
lutfiana Nur AzizahAffiliation unknown1
Sarpin SarpinAffiliation unknown1
Noviatri IndahAffiliation unknown1
Frin EbenAffiliation unknown1
Sindi Mertisia BoutiAffiliation unknown1
Pitriyani PitriyaniAffiliation unknown1
Bunga Ayu WulandariAffiliation unknown1
Firman FirmanHasanuddin University1
Ahmad NasoriAffiliation unknown1
Lasmawati Br TurnipAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/JEP/oai, first harvested 30 Oct 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">STUDI IDENTIFIKASI KESESUAIAN PENGELOLAAN DANA BPJS KESEHATAN DENGAN PRINSIP SYARIAH</dc:title>
	<dc:creator>Rosmiati, Rosmiati</dc:creator>
	<dc:creator>Aedy, Hasan</dc:creator>
	<dc:creator>Nusantara, Ambo Wonua</dc:creator>
	<dc:subject xml:lang="en-US">Economics</dc:subject>
	<dc:subject xml:lang="en-US">BPJS Health Fund Management, Sharia Principle</dc:subject>
	<dc:subject xml:lang="en-US">C54; H41; I13</dc:subject>
	<dc:description xml:lang="en-US">This study aims to determine the level of suitability of BPJS Health fund management with sharia principles. The design of the study is qualitative descriptive. Data collection is done using interview guide lists. In this study, the informants were 1 person BPJS Health leader, 3 staff employees, 2 directors, and 4 Kendari Health BPJS insurance participants. This study uses descriptive analysis. The results showed that the management of health BPJS insurance funds was known to contain elements of usury. It is said to contain elements of usury because every month the contribution funds that enter the BPJS account are of course certainly getting ziyadah or additional funds as conventional banks in general. The premium system run by BPJS contains things that contain elements of gharar seen from unclear agreements used between participants and the BPJS, containing elements of uncertainty (gambling / maysir) in premium payments and the amount obtained and there are elements of injustice to participants who die the world whose premiums are said to be non-refundable (forfeited), as well as the separation between the poor, middle and upper classes in the facility</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2019-04-06</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US"></dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/JEP/article/view/6125</dc:identifier>
	<dc:identifier>10.57206/jep_uho.v8i2.6125</dc:identifier>
	<dc:identifier>urn:nbn:de:10.57206jep_uho.v8i2.61254</dc:identifier>
	<dc:source xml:lang="en-US">JEP (Jurnal Ekonomi Pembangunan); Vol 8, No 2 (2018): JEP (Jurnal Ekonomi Pembangunan); 272-288</dc:source>
	<dc:source>2503-2089</dc:source>
	<dc:source>1979-231X</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/JEP/article/view/6125/4512</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Rosmiati Rosmiati, Hasan Aedy, Ambo Wonua Nusantara</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>