BPJS Kesehatan dalam Perspektif Ekonomi Syariah

Itang Itang
Journal article Ahkam Journal of Sharia • July 2015


This article provides answer to the MUI statements that BPJS is inconsistent with the principles of sharia economics. First, a solution to avoid Gharar, where participants pay a monthly premium, but it is unclear how much they will receive.Second, the solution to avoid the element of gambling, where financial calculations can be profit or loss. Third, the solution of usury, when claims were received by participants of BPJS greater than the premium paid; therefore, it contains elements of usury and usury Fadl category. Meanwhile, when there is a delay of participants to pay premiums, BPJS establishes fines that is also included nasi'ah usury.DOI: 10.15408/ajis.v15i2.2859




Ahkam Journal of Sharia

Ahkam: Jurnal Ilmu Syariah (Ahkam Journal of Sharia) is a peer-reviewed journal that publishes or... see more