Abstract :

Background: The National Health Insurance (JKN) program organized by the Social Security Agency (BPJS) Health has a strategic role in ensuring fair, equitable, and sustainable access to health services for all Indonesians. However, the level of compliance with BPJS Mandiri participant contributions remains a problem, especially in areas with limited access to health services and diverse socio-economic conditions. Low compliance with contribution payments can impact the sustainability of the national health insurance system financing.

Objective: This study aims to analyze the factors that influence compliance with BPJS Mandiri participant contributions in the Kolono Community Health Center working area, South Konawe Regency, in 2025.

Method: The study used a quantitative approach with a cross-sectional design. The research sample consisted of 48 respondents selected through a non-probability sampling technique. Data collection was carried out using a structured questionnaire that measured motivation variables, perceptions of BPJS Kesehatan, distance to health care facilities, and income levels. Data were analyzed using statistical tests to see the relationship between independent variables and compliance with contribution payments. Results: The study showed that motivation had a significant relationship with compliance with premium payments (p = 0.046; r = 0.246), although with a weak relationship strength. Participant perceptions were significantly related to compliance (p = 0.000; r = 0.566) with a moderate level of relationship. Distance to health service facilities also showed a significant relationship (p = 0.000; r = 0.576), confirming the importance of service accessibility. In addition, income was significantly related to compliance with premium payments (p = 0.003; r = 0.374).

Discussion: Simultaneously, these four variables contributed 52.8% to compliance with BPJS Mandiri premium payments.

Conclusion: These findings indicate that increasing compliance requires a comprehensive approach through education, improving service quality, and policies that expand access and financial support for low-income communities.

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Keywords :

Compliance, Factor analysis, Motivation, National Health Insurance, Perception

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