FAKTOR DETERMINAN KEPATUHAN MEMBAYAR IURAN JKN PADA PESERTA MANDIRI DI KOTA MALANG
Abstract
Background: JKN is the government's program to provide health insurance to all people di Indonesia which is held by BPJS Kesehatan. One of the problems faced by BPJS is deficit condition. In June 2020, the deficit at BPJS has reached Rp. 6.54 trillion. One of the causes of the deficit BPJS caused there to be many JKN participants who do not obey the rules for paying JKN contributions properly, especially participants from the PBPU segment. In August 2020, in Malang, JKN contributions that are not paid reached Rp. 50,700,898,326 and in Blimbing District are the highest arrears reached Rp. 11,276,087,156
Subjects and Method: This is a quantitative analytic study with a cross-sectional approach. Samples were taken by non-randomized sampling using quota sampling of 143 respondents. This study used univariate analysis, bivariate, and multivariate analysis to know the dominant factor that correlates to the dependent variable.
Results: The results showed that determinant factors that correlate the compliance in paying JKN contribution are: knowledge factor (p-value: 0.001), perception (p-value: 0.046), distance (p-value: 0.022), and time (p-value: 0.044). Based on the multivariate test results, the dominant factor that correlates with compliance in paying JKN contribution is the knowledge factor (p-value: 0,000).
Conclusion: From this study, a recommendation that can be given to BPJS is to held more events to increase JKN participants' knowledge about the JKN program. When JKN participant has the proper knowledge, we hope they have proper behaviour in paying JKN contribution properly.
Keywords: JKN contribution; Compliance; Determinant Factors
References
BPJS Kesehatan. (2021). Data Kepesertaan JKN di Indonesia. https://bpjs-kesehatan.go.id/bpjs/
Dahlan, S. (2019). Analisis Multivariat Regresi Logistik (Kedua). PT Epidemiologi Indonesia.
Dye, C., Reeder, J. C., & Terry, R. F. (2013). Research for universal health coverage. Science Translational Medicine, 5(199), 1–3. https://doi.org/10.1126/scitranslmed.3006971
Hasan, F. I. (2020). Faktor yang Mempengaruhi Ketaatan Membayar Iuran JKN Mandiri di Dusun Jalinan Desa Harjomulyo Kecamatan Silo Kabupaten Jember. Universitas Muhammadiah Jember.
Hasyim, A., Idrus, H. M., & Rizky, S. (2019). Faktor-faktor yang Berhubungan dengan Penunggakan Pembayaran Iuran BPJS Kesehatan Mandiri di Wilayah Kerja Puskesmas Abeli Kota Kendari. Miracle Journal of Public Health, 2(1), 1–9.
Mardika, D. T. (2018). Faktor Predisposisi, Pendukung, dan Pendorong Yang Mempengaruhi Perilaku Terhadap Kepatuhan Pembayaran Peserta Pekerja Bukan Penerima Upah (PBPU) di Kabupaten Pacitan Tahun 2018. Stikes Bhakti Husada Mulia Madiun.
Notoatmojo, S. (2012). Promosi Kesehatan dan Perilaku Kesehatan. Rineka Cipta.
Ramadani, N. A., Haeruddin, & Batara, A. S. (2021). Faktor yang Berhubungan dengan Kepatuhan Membayar Iuran BPJS pada Peserta Mandiri di Kecamatan Bontomatene. Window of Public Health Journal, 01(06), 609–619.
Reich, M. R., Harris, J., Ikegami, N., Maeda, A., Cashin, C., Araujo, E. C., Takemi, K., & Evans, T. G. (2016). Moving towards universal health coverage: Lessons from 11 country studies. The Lancet, 387(10020), 811–816. https://doi.org/10.1016/S0140-6736(15)60002-2
Setyawan, F. E. B. (2015). Sistem Pembiayaan Kesehatan. Saintika Medika: Jurnal Ilmu Kesehatan Dan Kedokteran Keluarga, 11(2), 119–126.
Smith, J. C., & Medalia, C. (2013). Health insurance Coverage in the United States. Handbook of Insurance: Second Edition, 957–995. https://doi.org/10.1007/978-1-4614-0155-1_33
Tangcharoensathien, V., Limwattananon, S., Patcharanarumol, W., & Thammatacharee, J. (2014). Monitoring and Evaluating Progress towards Universal Health Coverage in Thailand. PLoS Medicine, 11(9), 9–12. https://doi.org/10.1371/journal.pmed.1001726
Undang-Undang Nomor 40 Tahun 2004 tentang Sistem Jaminan Sosial Nasional. (2004).
Wulandari, A., Syah, N. A., & Ernawati, T. (2020). Faktor-Faktor yang Mempengaruhi Kepatuhan Peserta Mandiri Dalam Pembayaran Iuran Program Jaminan Kesehatan Nasional di Kota Solok. Jurnal Kesehatan Andalas, 9(1), 7. https://doi.org/10.25077/jka.v9i1.1219
