4. INDRAYATHI putu ayu

Informal Workers and Its

Role in JKN in Denpasar City

: feasible model for collecting

revenue to the achievement of

universal health coverage

Ind ra ya thi, P.A., Kusum a d e w i, M.D,

Frid a ya nti Ira m a , M.D

Pro g ra m Stud i Ilm u Ke se ha ta n Ma sya ra ka t,

Fa kulta s Ke d o kte ra n, UNUD

Introduction

Healthy behaviors and the ability of people to choose

and obtain quality health services determine the success

of health development

To improve community’s health status, government

launched Jaminan Kesehatan Nasional (JKN) program.

One of the challenge in the achievement of universal

coverage is reaching informal workers sector.

Therefore, it is important to identify informal sector workers



The perception and knowledge level of informal sector

workers about JKN and exploring their perception’s of

relevant model in collecting revenue

Aims

•

To Id e ntify info rm a l w o rke rs jo b

•

To find o ut info rm a l w o rke rs kno w le d g e a b o ut JKN

•

To e xp lo re info rm a l w o rke rs p e rc e p tio n a b o ut JKN

a nd fe a sib ility m o d e l fo r c o lle c ting JKN p re m i

Methods

Mix methods

Quantitative data

collection : questionnaire

survey to informal

workers



were

analyzed using uni

variate & multivariate

analysis

qualitative data

collection : in-depth

interviews



were

analyzed using thematic

Results

1. Ide ntific a tio n o f Info rm a l Wo rke rs in De npa sa r

•

Da ta s o f wo rke rs

in De np a sa r we re o b ta ine d fro m BPS using SA KERNA S Ko ta

De npa sa r

•

The re a re 7 c a te g o rie s/ sta tus o f wo rke rs a c c o rding to BPS (Supro b o ,2007):

1. Be rusa ha se nd iri;

2. Be rusa ha d ib a ntu b uruh tid a k te ta p a ta u b uruh ta k d ib a ya r;

3. Be rusa ha d ib a ntu b uruh te ta p a ta u b uruh d ib a ya r;

4. Buruh a ta u ka rya w a n a ta u p e g a w a i;

5. Pe ke rja b e b a s d i p e rta nia n;

6. Pe ke rja b e b a s d i no n p e rta nia n; se rta

7. Pe ke rja ta k d ib a ya r.

Results

Info rm a l w o rke rs id e ntific a tio n a c c o rd ing to Sa nto so (2012) a re the

c o m b ina tio n o f :

o

sta tus

p e ke rja a n

b e rusa ha

se nd iri

d e ng a n

te na g a

usa ha

p e rta nia n, p e rke b una n, p e te rna ka n, p e rika na n, ke huta na n, d a n

p e rb urua n;

o

b e rusa ha

se nd iri d e ng a n te na g a

p ro d uksi o p e ra sio na l a la t

a ng kuta n d a n p e ke rja a n ka sa r;

o

b e rusa ha

d ib a ntu b uruh tid a k te ta p / tid a k d ib a ya r d e ng a n

te na g a usa ha p e rta nia n, p e rke b una n, p e te rna ka n, p e rika na n,

ke huta na n, d a n p e rb urua n;

o

b e rusa ha

d ib a ntu b uruh tid a k te ta p / tid a k d ib a ya r d e ng a n

te na g a p ro d uksi o p e ra sio na l a la t a ng kuta n d a n p e ke rja ka sa r;

o

b uruh/ ka rya w a n/ p e g a w a i d e ng a n

te na g a

usa ha

p e rta nia n,

p e rke b una n, p e te rna ka n, p e rika na n, ke huta na n, d a n p e rb urua n;

Id e ntific a tio n o f Info rm a l Wo rke rs in De np a sa r :

Status Pekerjaan

Jenis Pekerjaan Utama

Pertanian

Pertambangan

dan

penggalian

Industri

pengolahan

Listrik, gas,

dan air

minum

Konstruksi

Perdagangan,

hotel, dan restoran

Pengangkutan

dan komunikasi

Keuangan,

persewaan, dan

jasa perusahaan

Berusaha sendiri

INF

INF

INF

INF

INF

INF

INF

INF

Berusaha dibantu buruh tidak

tetap/ tidak dibayar

INF

F

INF

F

INF

F

F

F

Berusaha

dibantu

buruh

tetap/dibayar

F

F

F

F

F

F

F

F

Buruh/ karyawan/ pegawai

INF

F

F

F

F

F

F

F

Pekerja bebas

INF

INF

INF

INF

INF

INF

INF

INF

Pekerja keluarga/tidak dibayar

INF

INF

INF

INF

INF

INF

INF

INF

2. Info rm a l wo rke rs kno wle dg e a b o ut JKN

Ta b le 2. Distrib usi Ting ka t Pe ng e ta hua n Me ng e na i Ja m ina n Ke se ha ta n Na sio na l se c a ra um um

•

Fro m Biva ria te a na lysis, it wa s fo und tha t o nly tw o o f the c ha ra c te ristic s o f the

p a rtic ip a nts ha ve

a sig nific a nt re la tio nship w ith

the

le ve l o f kno wle d g e

na m e ly

e duc a tio n a nd re so urc e s to o b ta in info rm a tio n a b o ut JKN.

•

Ta b le 3. Distrib usi Ke m a kna a n Ha sil Uji Multiva ria t

•

Fro m ta b le 3, it c a n b e se e n tha t o nly e d uc a tio n ha d me a ning ful re la tio nship with the

kno w le d g e o f the re sp o nd e nt w he re p va lue is 0 , 03 ( le ss tha n the va lue o f

α

= 0.05 ).

Kategori pengetahuan

Frekuensi

%

Baik

0

0

Cukup

16

15,09

Kurang

90

84,91

Total

106

100

Karakteristik

Nilai P

Pendidikan

0,03

3

. Info rm a l Wo rke rs pe rc e ptio n o f JKN : Fe a sib le Mo de l in Re ve nue C o lle c tio n

Ba se d o n ind e p th inte rvie w , in g e ne ra l info rm a l w o rke rs to ta lly a g re e w ith

the im p le m e nta tio n o f JKN a nd w illing to p a rtic ip a te . The p re se nc e o f JKN

c a n a vo id the m fro m c a ta stro p hic he a lth e xp e nd iture .

“

Se tuju. Iy aa, iy aa. Itu kan le b ih jadiny a o rang y ang tidak m am p u itu e e e … b isa dib antu o le h o rang y ang le b ih m am p u. Ya kalau

b e g itu y a dite rusin.

”

(info rm al 7).

In a d d itio n, re sp o nd e nts w e re a lso inte re ste d in b e c o m ing a p a rtic ip a nt

b e c a use JKN is c o nsid e re d to b e d iffe re nt fro m the p riva te insura nc e . The re

a re no m e m b e rship re stric tio ns in it

“

Say a sang at te rtarik, sang at sang at te rtarik lag i b ahkan kan. Kare na ke le b ihanny a b e g ini, JKN dib anding kan p ro duk- p ro duk

y ang lain. Ini y ang dijadikan kata kunc i dari JKN, dalam hal ini adalah jika insuranc e swasta lainny a itu m e lihat b atas um ur, o rang

tua itu le b ih ting g i p re m iny a p e m b ay aranny a, o rang y ang b e risiko se pe rti pe ro ko k dan lain se b ag ainy a le b ih ting g i. Dan JKN itu

tidak ada.

”

(info rm al 3)

Ho w e ve r,

so m e

re sp o nd e nts

re sp o nd

ne g a tive ly

re g a rd ing

the

im p le m e nta tio n o f JKN p ro g ra m .

The re spo nde nts did no t a g re e to jo in

b e c a use JKN pa rtic ipa nts m ust pa y, while Ba li is still he ld re g io na l he a lth

insura nc e na m e ly Ba li Ma nda ra He a lth Insura nc e (JKBM

)

Cont…

In te rm s o f m e m b e rship re g istra tio n p ro c e d ure , so m e re sp o nd e nts a g re e d to

c o m e to BPJS Ke se ha a n o ffic e . Ho w e ve r, so m e re sp o nd e nts d id no t a g re e

w ith it



BPJS Ke se ha ta n, sho uld re g iste r pa rtic ipa nt b y using pro a c tive

m e tho ds tha t o ffic e rs we nt to info rm a l se c to r wo rke rs who wish to re g iste r,

a nd re g istra tio n thro ug h the he a d o f the e nviro nm e nt . The re a so n tho se who

disa g re e

c o m e

to

BPJS o ffic e

a re

m a inly

due

to

tim e

a nd

dista nc e

c o nstra ints.

“

Ke ndala JKN itu say a kira adalah pe m e rintah tidak m au m e nje m p ut b o la. Jadiny a m e nung g u aja m asy arakat untuk datang m e ndaftar,

jadi tidak m au datang , m isalny a b e ke rjasam a de ng an ap arat p e m e rintahan te rb awah se p e rti m isalny a ke p ala ling kung an, ke lurahan…

se p e rti itu, ini harus dilib atkan. Yaa.. m e m ang ang g ap lah m e re ka ini se b ag ai te nag a o p e rasio nal dari p e m e rintah… p e m e rintah untuk

m arke ting - ny a g itu y a. Nanti b e rap a m e re ka m e m ang harus m e ndap atkan fe e dan lain se b ag ainy a dib e rikan, se p e rti itu.

”

(info rm al 14)

Mo st o f the re sp o nd e nts a re w illing to jo in a s a m e m b e r o f JKN a nd a ffo rd to

p a y Rp 25.000,-Ho w e ve r, the y a re m o stly re luc ta nt to p a y thro ug h ATM



This

is b e c a use the info rm a l w o rke rs a re no t fa m ilia r w ith Ba nk.

The fe a sib le m o d e l in the re ve nue c o lle c tio n fo r info rm a l w o rke rs is thro ug h

the c o lla b o ra tio n w ith lo c a l b o d y suc h a s

Le m b a g a Pe rkre dita n De sa (LPD) o r

Ko pe ra si Unit De sa .

“

Me m ang se karang kan e e e … y ang nam any a p e m b ay aran siste m pe m b ay aran itu kan sudah sang at g am p ang de ng an

A TM dan lain se b ag ainy a. Akan te tap i y ang m e njadi p e rtany aan ap akah sudah se m ua m asy arakat p uny a A TM, ap akah sudah se m ua

m asy arakat sudah b ank m inde d, puny a re ke ning b ank. Nah, disini y ang say a b ilang , ada LPD ke nap a ndak dim anfaatkan LPD, y a kan.

”

(info rm al 14).

Discussion

•

This re se a rc h fo und

tha t the m a jo rity o f re sp o nd e nts ha ve le ss kno w le d g e a b o ut

JKN.

Mo re tha n 50% o f re sp o nde nts sta te d no t to kno w m o st o f the sta te m e nts in the

q ue stio nna ire a b o ut JKN. It c a n b e a n indic a to r tha t the disse m ina tio n o f info rm a tio n

re g a rd ing JKN ne e ds to b e im pro ve d, e sp e c ia lly re g a rd ing p a ym e nt pro c e dure s

a nd re g istra tio n pro c e dure s in o rde r to inc re a se p ub lic kno wle d g e a b o ut JKN



Ac c o rd ing to Mub a ra k (2011) in He ria ti (2013) , the re a re se ve ra l fa c to rs tha t a ffe c t

p e o p le in le a rning , suc h a s e d uc a tio n , o c c up a tio n , a g e , inte re sts , e xp e rie nc e s ,

c ultura l e nviro nm e nt , a nd info rm a tio n

•

The re sults o f the stud y ind ic a te tha t the re a re still 39 re sp o nd e nts w ho sta te d tha t

the y we re ne ve r info rm e d a b o ut JKN. The n a ltho ug h 67 re sp o nd e nts ha d re c e ive d

info rm a tio n, b ut no re sp o nd e nts who re c e ive d info rm a tio n fro m JKN g uid e b o o ks

a nd mo re tha n 50 % o f re sp o nd e nts ha ve le ss kno w le d g e fo r e a c h so urc e o f

info rm a tio n



It indic a te s tha t the so c ia liza tio n o f JKN a lso no t o ptim a l.

•

Fo rm e r He a d o f the He a lth Insura nc e Bra nc h PTDe np a sa r, Putu G e d e Wia d nya na in

Anta ra Ne w s ( 2014 ) sta te d tha t d ue to lim ite d p e rso nne l the re fo re so c ia liza tio n c a n

no t b e d o ne q uic kly Furthe rm o re , fo rm e r De p uty Ministe r o f He a lth (Wa me nke s ) Ali

G ufro n Mukti in La mp o st ( 2013 ) a d m itte d tha t the re is a d e fic ie nc y in te rm s o f

so c ia liza tio n JKN .

Cont…

•

The info rm a nts sta te d tha t b e fo re JKN e ra tho se w ho g e t he a lth insura nc e o nly e m p lo ye d , w hile

tra d e rs d o no t g e t he a lth insura nc e .

•

The re fo re , the re sp o nd e nts stro ng ly a g re e d with the JKN w hic h c o ve rs the w ho le o f so c ie ty.

The y a lso w a nt tha t g o ve rnm e nt re a lly c o nc e rn a b o ut info rm a l w o rke rs b e c a use info rm a l se c to r

w o rke rs in De np a sa r w a nting to se c ure the ir he a lth sta tus



This is c o nsiste nt with the re sults o f

re se a rc h a b o ut the o p inio n o f info rm a l se c to r wo rke rs a b o ut he a lth fina nc ing o n So c ia l He a lth

Insura nc e Ba li (JKSB) in 2006, the info rm a l se c to r w o rke rs w ho a g re e to p a rtic ip a te b y 61.4%

(Trisna & Muninja ya , 2007).

•

Info rm a l se c to r wo rke rs in De np a sa r sta te d tha t the a ffo rd a b le a m o unt o f c o ntrib utio ns is Rp

22.800,-fo r the e ntire fa m ily. The d a ta is sup p o rte d b y the re sults o f re se a rc h o n the Ab ility To Pa y

(ATP) o r the a b ility to p a y the p e o p le o f Ba li , he ld in 2006 ( Trisna & Muninja ya , 2007)



This ATP

find ing is no t m uc h d iffe re nt fro m the a m o unts o f fe e s tha t a re c o nsid e re d re a so na b le b y the

info rm a l se c to r wo rke rs in the c ity o f De np a sa r . Thus , info rm a l se c to r wo rke rs a re a b le to re a c h

the a m o unt o f fe e s fo r se rvic e s in the tre a tm e nt ro o m o f c la ss III o r Rp 25.500.00 .

•

Info rm a l w o rke rs sta te d tha t the re g istra tio n syste m a t BPJS Ke se ha ta n o ffic e se e m to b e o ne o f

the o b sta c le s the m to re g iste r a s a p a rtic ip a nt JKN. Me tho d o f p a ym e nt is ve ry d iffic ult fo r the m

b e c a use no t a ll info rm a l wo rke rs a re "b a nk m inde d

“



The fe a sib le m o d e l in the re ve nue

c o lle c tio n fo r info rm a l wo rke rs is thro ug h the c o lla b o ra tio n with lo c a l b o d y suc h a s Le m b a g a

Pe rkre d ita n De sa (LPD) o r Ko p e ra si Unit De sa .

Cont…

•

Me tho d o f p a ym e nt is ve ry d iffic ult fo r the m b e c a use no t a ll info rm a l wo rke rs a re "b a nk

m ind e d ".

•

The re fo re , it is im p o rta nt to invo lve lo c a l Villa g e C re d it Institutio ns (LPD) a nd Ko p e ra si Unit

De sa sinc e this institutio n a va ila b le in e ve ry villa g e in the p ro vinc e o f Ba li a nd hig hly

d e ve lo p e d .

•

This stud y fo und tha t 29.8% o f re sp o nd e nts w a nt sa la ry d e d uc tio n, p a y thro ug h ATMs, a nd is

c o lle c te d b y o ffic e rs d ire c tly to ho m e a s m e tho d o f p a ym e nt.

•

Pa ym e nt m e rg ing with PLN b ill 26.2%, c a sh p a ym e nts thro ug h the LPD m e tho d o f 23.8%, a

c a sh p a ym e nt m e tho d thro ug h c o m m e rc ia l b a nks a m o unte d to 17.1%, a s w e ll a s m e tho d s

o f m e rg ing with ta p s b ill b y 3,1% , re sp e c tive ly(Trisna & Muninja ya , 2007). The re fo re , BPJS

Ke se ha ta n sha ll d e ve lo p a n e ffe c tive a nd e ffic ie nt m e c ha nism to re a c h the w o rke rs is no t

the re c ip ie n

Conclusion

•

Stud y fo und tha t info rm a l se c to r w o rke rs a re a ll kind s o f m a jo r jo b c la ssific a tio ns b y BPS o f

De np a sa r w ith the sta tus o f o w n w o rk, fre e w o rke rs, a nd the w o rke rs fa m ily / no t p a id ; The m a in

typ e s o f wo rk in the fie ld o f a g ric ulture , m a nufa c turing , a nd c o nstruc tio n e m p lo ym e nt sta tus

so ug ht a ssiste d b y te m p o ra ry w o rke rs; a s w e ll a s the m a in typ e o f wo rk in a g ric ulture with

e m p lo ym e nt sta tus o f w o rke rs / e m p lo ye e s / e m p lo ye e .

•

In g e ne ra l m o st o f info rm a l w o rke rs (90 re sp o nd e nts / 84.91%) ha ve le ss kno w le d g e a b o ut JKN.



This la c k o f kno wle d g e is d ue to the la c k o f so c ia liza tio n a nd no t m a ny re sp o nd e nts ha ve

hig he r e d uc a tio n le ve ls.

•

Info rm a l se c to r wo rke rs g e ne ra lly w a nt to b e a p a rtic ip a nt in JKN a nd a b le to p a y fo r c la ss III

tre a tm e nt, b ut so m e ho p e tha t the p ro c e d ure o f re g istra tio n a nd c o lle c tio n p re m ium o f

p a rtic ip a nts using

“

_{je m p ut b o la}

”

_{syste m o r w o rking with the villa g e institutio n fo r e xa m p le LPD}

a nd Ko p e ra si Unit De sa b e c a use m a ny d o no t kno w w he re the BPJS Ke se ha ta n a nd m a ny o f

the m d o no t ha ve sa ving s a c c o unts in b a nks tha t ha ve c o o p e ra te d w ith BPJS Ke se ha ta n

THANK YO U FO R YO UR

ATTENTIO N

Cont…

In te rm s o f m e m b e rship re g istra tio n p ro c e d ure , so m e re sp o nd e nts a g re e d to

c o m e to BPJS Ke se ha a n o ffic e . Ho w e ve r, so m e re sp o nd e nts d id no t a g re e

w ith it



BPJS Ke se ha ta n, sho uld re g iste r pa rtic ipa nt b y using pro a c tive

m e tho ds tha t o ffic e rs we nt to info rm a l se c to r wo rke rs who wish to re g iste r,

a nd re g istra tio n thro ug h the he a d o f the e nviro nm e nt . The re a so n tho se who

disa g re e

c o m e

to

BPJS o ffic e

a re

m a inly

due

to

tim e

a nd

dista nc e

c o nstra ints.

“Ke ndala JKN itu say a kira adalah pe m e rintah tidak m au m e nje m p ut b o la. Jadiny a m e nung g u aja m asy arakat untuk datang m e ndaftar, jadi tidak m au datang , m isalny a b e ke rjasam a de ng an ap arat p e m e rintahan te rb awah se p e rti m isalny a ke p ala ling kung an, ke lurahan… se p e rti itu, ini harus dilib atkan. Yaa.. m e m ang ang g ap lah m e re ka ini se b ag ai te nag a o p e rasio nal dari p e m e rintah… p e m e rintah untuk m arke ting - ny a g itu y a. Nanti b e rap a m e re ka m e m ang harus m e ndap atkan fe e dan lain se b ag ainy a dib e rikan, se p e rti itu.”(info rm al 14)

Mo st o f the re sp o nd e nts a re w illing to jo in a s a m e m b e r o f JKN a nd a ffo rd to

p a y Rp 25.000,-Ho w e ve r, the y a re m o stly re luc ta nt to p a y thro ug h ATM



This

is b e c a use the info rm a l w o rke rs a re no t fa m ilia r w ith Ba nk.

The fe a sib le m o d e l in the re ve nue c o lle c tio n fo r info rm a l w o rke rs is thro ug h

the c o lla b o ra tio n w ith lo c a l b o d y suc h a s

Le m b a g a Pe rkre dita n De sa (LPD) o r

Ko pe ra si Unit De sa .

“Me m ang se karang kan e e e … y ang nam any a p e m b ay aran siste m pe m b ay aran itu kan sudah sang at g am p ang de ng an A TM dan lain se b ag ainy a. Akan te tap i y ang m e njadi p e rtany aan ap akah sudah se m ua m asy arakat p uny a A TM, ap akah sudah se m ua m asy arakat sudah b ank m inde d, puny a re ke ning b ank. Nah, disini y ang say a b ilang , ada LPD ke nap a ndak dim anfaatkan LPD, y a kan.” (info rm al 14).

Discussion

•

This re se a rc h fo und

tha t the m a jo rity o f re sp o nd e nts ha ve le ss kno w le d g e a b o ut

JKN.

Mo re tha n 50% o f re sp o nde nts sta te d no t to kno w m o st o f the sta te m e nts in the q ue stio nna ire a b o ut JKN. It c a n b e a n indic a to r tha t the disse m ina tio n o f info rm a tio n re g a rd ing JKN ne e ds to b e im pro ve d, e sp e c ia lly re g a rd ing p a ym e nt pro c e dure s a nd re g istra tio n pro c e dure s in o rde r to inc re a se p ub lic kno wle d g e a b o ut JKN



Ac c o rd ing to Mub a ra k (2011) in He ria ti (2013) , the re a re se ve ra l fa c to rs tha t a ffe c t

p e o p le in le a rning , suc h a s e d uc a tio n , o c c up a tio n , a g e , inte re sts , e xp e rie nc e s ,

c ultura l e nviro nm e nt , a nd info rm a tio n

•

The re sults o f the stud y ind ic a te tha t the re a re still 39 re sp o nd e nts w ho sta te d tha t

the y we re ne ve r info rm e d a b o ut JKN. The n a ltho ug h 67 re sp o nd e nts ha d re c e ive d

info rm a tio n, b ut no re sp o nd e nts who re c e ive d info rm a tio n fro m JKN g uid e b o o ks

a nd mo re tha n 50 % o f re sp o nd e nts ha ve le ss kno w le d g e fo r e a c h so urc e o f

info rm a tio n



It indic a te s tha t the so c ia liza tio n o f JKN a lso no t o ptim a l.

•

Fo rm e r He a d o f the He a lth Insura nc e Bra nc h PTDe np a sa r, Putu G e d e Wia d nya na in

Anta ra Ne w s ( 2014 ) sta te d tha t d ue to lim ite d p e rso nne l the re fo re so c ia liza tio n c a n

no t b e d o ne q uic kly Furthe rm o re , fo rm e r De p uty Ministe r o f He a lth (Wa me nke s ) Ali

G ufro n Mukti in La mp o st ( 2013 ) a d m itte d tha t the re is a d e fic ie nc y in te rm s o f

Cont…

• The info rm a nts sta te d tha t b e fo re JKN e ra tho se w ho g e t he a lth insura nc e o nly e m p lo ye d , w hile tra d e rs d o no t g e t he a lth insura nc e .

• The re fo re , the re sp o nd e nts stro ng ly a g re e d with the JKN w hic h c o ve rs the w ho le o f so c ie ty. The y a lso w a nt tha t g o ve rnm e nt re a lly c o nc e rn a b o ut info rm a l w o rke rs b e c a use info rm a l se c to r w o rke rs in De np a sa r w a nting to se c ure the ir he a lth sta tus  This is c o nsiste nt with the re sults o f re se a rc h a b o ut the o p inio n o f info rm a l se c to r wo rke rs a b o ut he a lth fina nc ing o n So c ia l He a lth Insura nc e Ba li (JKSB) in 2006, the info rm a l se c to r w o rke rs w ho a g re e to p a rtic ip a te b y 61.4% (Trisna & Muninja ya , 2007).

• Info rm a l se c to r wo rke rs in De np a sa r sta te d tha t the a ffo rd a b le a m o unt o f c o ntrib utio ns is Rp 22.800,-fo r the e ntire fa m ily. The d a ta is sup p o rte d b y the re sults o f re se a rc h o n the Ab ility To Pa y (ATP) o r the a b ility to p a y the p e o p le o f Ba li , he ld in 2006 ( Trisna & Muninja ya , 2007)  This ATP find ing is no t m uc h d iffe re nt fro m the a m o unts o f fe e s tha t a re c o nsid e re d re a so na b le b y the info rm a l se c to r wo rke rs in the c ity o f De np a sa r . Thus , info rm a l se c to r wo rke rs a re a b le to re a c h the a m o unt o f fe e s fo r se rvic e s in the tre a tm e nt ro o m o f c la ss III o r Rp 25.500.00 .

• Info rm a l w o rke rs sta te d tha t the re g istra tio n syste m a t BPJS Ke se ha ta n o ffic e se e m to b e o ne o f the o b sta c le s the m to re g iste r a s a p a rtic ip a nt JKN. Me tho d o f p a ym e nt is ve ry d iffic ult fo r the m b e c a use no t a ll info rm a l wo rke rs a re "b a nk m inde d“  The fe a sib le m o d e l in the re ve nue c o lle c tio n fo r info rm a l wo rke rs is thro ug h the c o lla b o ra tio n with lo c a l b o d y suc h a s Le m b a g a Pe rkre d ita n De sa (LPD) o r Ko p e ra si Unit De sa .

Cont…

• Me tho d o f p a ym e nt is ve ry d iffic ult fo r the m b e c a use no t a ll info rm a l wo rke rs a re "b a nk m ind e d ".

• The re fo re , it is im p o rta nt to invo lve lo c a l Villa g e C re d it Institutio ns (LPD) a nd Ko p e ra si Unit De sa sinc e this institutio n a va ila b le in e ve ry villa g e in the p ro vinc e o f Ba li a nd hig hly d e ve lo p e d .

• This stud y fo und tha t 29.8% o f re sp o nd e nts w a nt sa la ry d e d uc tio n, p a y thro ug h ATMs, a nd is c o lle c te d b y o ffic e rs d ire c tly to ho m e a s m e tho d o f p a ym e nt.

• Pa ym e nt m e rg ing with PLN b ill 26.2%, c a sh p a ym e nts thro ug h the LPD m e tho d o f 23.8%, a c a sh p a ym e nt m e tho d thro ug h c o m m e rc ia l b a nks a m o unte d to 17.1%, a s w e ll a s m e tho d s o f m e rg ing with ta p s b ill b y 3,1% , re sp e c tive ly(Trisna & Muninja ya , 2007). The re fo re , BPJS Ke se ha ta n sha ll d e ve lo p a n e ffe c tive a nd e ffic ie nt m e c ha nism to re a c h the w o rke rs is no t the re c ip ie n

Conclusion

• Stud y fo und tha t info rm a l se c to r w o rke rs a re a ll kind s o f m a jo r jo b c la ssific a tio ns b y BPS o f De np a sa r w ith the sta tus o f o w n w o rk, fre e w o rke rs, a nd the w o rke rs fa m ily / no t p a id ; The m a in typ e s o f wo rk in the fie ld o f a g ric ulture , m a nufa c turing , a nd c o nstruc tio n e m p lo ym e nt sta tus so ug ht a ssiste d b y te m p o ra ry w o rke rs; a s w e ll a s the m a in typ e o f wo rk in a g ric ulture with e m p lo ym e nt sta tus o f w o rke rs / e m p lo ye e s / e m p lo ye e .

• In g e ne ra l m o st o f info rm a l w o rke rs (90 re sp o nd e nts / 84.91%) ha ve le ss kno w le d g e a b o ut JKN.

 This la c k o f kno wle d g e is d ue to the la c k o f so c ia liza tio n a nd no t m a ny re sp o nd e nts ha ve hig he r e d uc a tio n le ve ls.

• Info rm a l se c to r wo rke rs g e ne ra lly w a nt to b e a p a rtic ip a nt in JKN a nd a b le to p a y fo r c la ss III tre a tm e nt, b ut so m e ho p e tha t the p ro c e d ure o f re g istra tio n a nd c o lle c tio n p re m ium o f p a rtic ip a nts using “_{je m p ut b o la}” _{syste m o r w o rking with the villa g e institutio n fo r e xa m p le LPD}

a nd Ko p e ra si Unit De sa b e c a use m a ny d o no t kno w w he re the BPJS Ke se ha ta n a nd m a ny o f the m d o no t ha ve sa ving s a c c o unts in b a nks tha t ha ve c o o p e ra te d w ith BPJS Ke se ha ta n

THANK YO U FO R YO UR

ATTENTIO N