Analisis pemenuhan defisit bpjs melalui optimalisasi penggunaan dana wakaf dengan pendekatan model regresi time series
DOI:
https://doi.org/10.29040/jiei.v12i4.20125Keywords:
BPJS Health, Financial Deficit, Health Financing, Sharia Health Financing, Time Series RegressionAbstract
The sustainability of the national health financing system is a significant challenge as the BPJS Kesehatan financial deficit persists due to an imbalance between premium revenue and healthcare service costs. This study aims to analyze the potential for optimizing the Waqf Fund as an alternative financing source to help reduce the BPJS Kesehatan deficit in Indonesia. The study used a quantitative approach with a time series regression method based on secondary data obtained from BPJS Kesehatan, the Indonesian Waqf Board (BWI), and various other supporting sources. The results show that the collection of the Waqf Fund has experienced a positive upward trend, from approximately IDR 855 billion in 2019 to IDR 2.23 trillion in 2023. Projections for the 2025–2029 period indicate that the Waqf Fund has the potential to increase to IDR 7.6 trillion, while the BPJS Kesehatan deficit is estimated to increase from IDR 16 trillion to IDR 25 trillion. Although it cannot yet cover the entire deficit, the Waqf Fund is projected to contribute approximately 18–35% to the financing needs of the BPJS Kesehatan deficit. Furthermore, the use of Waqf Funds for healthcare financing aligns with the principles of maqasid sharia, particularly hifz al-nafs (protection of life). Therefore, optimizing productive waqf has the potential to become a sustainable, complementary financing instrument to support the national healthcare system.
References
Ahmad, Z. G., Febriani, D., Salsabila, L. N., & Gurning, F. P. (2023). Analisis Defisit Jaminan Kesehatan Nasional (Jkn) Di Kota Medan: Sebab, Dampak, Dan Solusi. Jurnal Kesmas Prima Indonesia, 7(1), 47–53. https://jurnal.unprimdn.ac.id/index.php/JKPI/article/view/3950
Gustani, G., & Ernawan, D. A. (2016). Cash Waqf as an Alternative Source of Islamic Microfinance Institution’s Capital in Indonesia. Journal of Islamic Economics Lariba, 2(2), 15–24. https://doi.org/10.20885/jielariba.vol2.iss2.art2
Hartawan, T. (2024). BPJS Kesehatan Terancam Gagal Bayar. Tempo Plus. https://www.tempo.co/ekonomi/gagal-bayar-bpjs-kesehatan-1167913
Hasibuan, A. R., & Achiria, S. (2024). Implementation of CWLS SW001 as a Productive Waqf from the Perspective of Maqashid Shariah. Unisia, 42(2). https://doi.org/10.20885/unisia.vol42.iss2.art22
Indrawan, B., & Agustien, W. T. (2020). Pengaruh Liabilitas Terhadap Penghasilan Bersih Pada Badan Penyelenggaraan Jaminan Sosial (Bpjs) Ketenagakerjaan 2013-2017. Jurnal E-Bis (Ekonomi-Bisnis), 3(1), 65–75. https://doi.org/10.37339/e-bis.v3i1.203
Jingga, R. P. A. (2021). Perlu Sumber Pendanaan Alternatif Untuk BPJS. Antara News. https://www.antaranews.com/berita/2552693/moeldoko-perlu-sumber-pendanaan-alternatif-untuk-bpjs-kesehatan
Kamaluddin, I., Okta Safitri, D. A., & Risnan Putri, E. (2023). Sukuk Wakaf Tunai Terkait (CWLS) Sebagai Penguat Ekosistem Wakaf Tunai di Indonesia. Innovative: Jurnal Penelitian Ilmu Sosial, 3(5), 9676–9687. https://j-innovative.org/index.php/Innovative/article/view/6036?utm_source=chatgpt.com
Masyhadi, A., Khuluq, M. S., & Farochi, M. M. (2025). Efektivitas Wakaf Produktif sebagai Instrumen Keuangan Sosial Islam: Perspektif Hukum Islam. Al-Musthofa: Journal of Sharia Economics, 8(1), 123–140. https://doi.org/10.58518/al-musthofa.v8i1.3971
Mohammad, M. T. S. H. (2011). Towards an Islamic Social (Waqf) Bank. International Journal of Trade, Economics and Finance, 381–386. https://doi.org/10.7763/IJTEF.2011.V2.135
Mohsin, M. I. A. (2013). Financing through cash-waqf: a revitalization to finance different needs. International Journal of Islamic and Middle Eastern Finance and Management, 6(4), 304–321. https://doi.org/10.1108/IMEFM-08-2013-0094
Mulyono, S. H. (2020). Peran Wakaf Dalam Sebagai Instrumen Keuangan Publik Dalam Islam. Kasaba : Jurnal Ekonomi Islam, 122–137. https://scholar.google.com/citations?view_op=view_citation&hl=en&user=T76SaqEAAAAJ&citation_for_view=T76SaqEAAAAJ:u5HHmVD_uO8C
Raisa, A., Syahdu, W., Erlangga, D., & Kartika Nur, I. (2020). Mengatasi Defisit Dana Jaminan Sosial Kesehatan Melalui Perbaikan Tata Kelola. Integritas : Jurnal Antikorupsi, 6(2), 209–224.
Rianti, R. P., & Munawar, W. (2024). Optimalisasi pengelolaan wakaf produktif dalam mendukung sustainable development goals (Studi kasus lembaga wakaf di Kabupaten Bogor). PROFJES: Profetik Jurnal Ekonomi Syariah, 3(2). https://scholar.google.com/citations?view_op=view_citation&hl=id&user=Kt_Sk0sAAAAJ&citation_for_view=Kt_Sk0sAAAAJ:r0BpntZqJG4C
Sholihah, H. (2010). Penerapan konsep maslahah mursalah dalam wakaf (Tinjauan terhadap Undang-Undang No. 41 Tahun 2004 tentang Wakaf) [UIN Syarif Hidayatullah Jakarta]. https://repository.uinjkt.ac.id/dspace/bitstream/123456789/3275/1/HADIRATUSH%20SHOLIHAH-FSH.pdf
Usman, N. (2014). Pengelolaan Wakaf Produktif Untuk Kesehatan. Muaddib, 4(2), 1–20. http://journal.umpo.ac.id/index.php/muaddib/article/download/98/86
Wahyuningsih, W., & Widyastuti, T. (2020). Efisiensi Produktif Wakaf Pada Yayasan Badan Wakaf Sultan Agung Semarang. Al-Awqaf: Jurnal Wakaf Dan Ekonomi Islam, 11(2), 141–152. https://jurnal.bwi.go.id/index.php/awqaf/article/view/18
Wiguna, E., & Utami, Y. (2018). Analisis Pengembangan Wakaf Produktif Pada Layanan Kesehatan Muhammadiyah di Yogyakarta: Kasus Pilihan. Journal of Economics Research and Social Sciences, 2(2), 94–101. https://journal.umy.ac.id/index.php/jerss/article/download/9084/5694/33949
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2026 Siti Fazriah
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License.
