INTEGRATING PRODUCTIVE WAQF IN INDONESIA’S HEALTH SECURTY SYSTEM

Abstract

This study aims to analyse productive waqf models and their integration with the health social security system in hospitals. The approach used is qualitative-descriptive with primary data obtained through interviews with waqf experts, BPJS experts, and hospital practitioners, as well as secondary data from relevant literature studies. The results show that the productive waqf model in the health sector consists of five main forms, namely: (1) waqf health facilities, (2) productive investment waqf for hospital financing, (3) cash waqf for health services, (4) partnership waqf (hybrid model), and (5) social-entrepreneurship waqf for health. The integration of productive waqf with the social health Security system is carried out through several schemes, including BPJS premium subsidies from waqf proceeds, financing of services not covered by BPJS, provision of waqf-based health facilities in partnership with BPJS, blended sharia finance that combines waqf funds, zakat, infaq, sadaqah, and BPJS, and the development of a waqf-based “BPJS Plus” concept. The results of the study show that the synergy between waqf institutions, BPJS, and hospitals can create a health financing system that is inclusive, sustainable, and in line with the principles of maqāṣid al-syarī‘ah, particularly in protecting life (ḥifẓ al-nafs).