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Analysis of Social Security Administrative Body for SJSN Healtth Program (BPJS Kesehatan) in Islamic Finance Perspective (Study Case: Bogor Branch Office)

Analysis of Social Security Administrative Body for SJSN Healtth Program (BPJS Kesehatan) in Islamic Finance Perspective (Study Case: Bogor Branch Office)
MARYAM AFIFAH
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The appearance of a fatwa from Indonesian Ulema Council (Majelis Ulama Indonesia, or known as MUI) stated that Social Security Administrative Body for SJSN Health Program (BPJS Kesehatan) is haram because it is indicates contained riba (interest), gharar (uncertainty) and maysir (gambling) in its operation has become a concern for most Indonesian citizens who are dominated by Islam. Besides that, this phenomenon has caused an adverse impact like what happened in Bogor Regional Public Hospital (Rumah Sakit Umum Daerah Bogor) where a doctor is refused to treat a patient who are a participant of Social Security Administrative Body for SJSN Health Program (BPJS Kesehatan) service and lead to the death of that patient. Using face-to-face interview with an informant who is currently working in Social Security Administrative Body for SJSN Health Program (BPJS Kesehatan) Bogor Branch Office, this study shows that the management of the participants contribution fund are not accordance with the principles of Islamic finance and there are differences in information spread publicly about the development plan of Social Security Administrative Body for SJSN Health Program (BPJS Kesehatan) based on the principles of Sharia.

Munculnya Fatwa dari Majelis Ulama Indonesia (MUI) yang menyatakan bahwa BPJS Kesehatan ialah haram karena terdapat unsur riba (bunga), gharar (ketidakpastian) dan maysir (judi) dalam pelaksanaannya menjadi perhatian rakyat Indonesia yang sebagian besar beragama Islam. Selain itu, fenomena ini pun berdampak besar seperti yang terjadi di Rumah Sakit Umum Daerah Bogor (RSUD Bogor) dimana seorang dokter menolak mengobati pasien yang merupakan peserta layanan BPJS Kesehatan dan berujung kepada kematian pasien tersebut. Dengan melakukan wawancara tatap muka dengan seorang informan yang bekerja di Kantor Cabang BPJS Kesehatan Kota Bogor, penelitian ini menunjukkan bahwa manajemen iuran kontribusi peserta BPJS Kesehatan tidak sejalan dengan prinsip Keuangan Islam dan adanya perbedaan informasi yang disebar ke hadapa publik mengenai rencana pengembangan BPJS Kesehatan berbasis Syariah.