Financial Risk Management Analysis of the Use of Health Services During the COVID-19 Pandemic


COVID-19 has had many negative impacts on society. One of them is the impact on the economy in the healthcare sector, namely hospitals. Transmission through direct contact with a sprinkling of phlegm from infected people (through coughing and sneezing) and touching a surface contaminated with the virus made the Indonesian government enforce the Stay at Home policy. This led to reducing the number of BPJS patient visits at the hospital at the beginning of the COVID-19 pandemic. The reduced number of BPJS patient visits had the effect of decreasing hospital income. This is in line with the decrease in outpatient and inpatient income at the Muhammadiyah University General Hospital of Malang from 2019 to 2020 by 14% and 13%, respectively. This study uses Chaos Theory, where hospital revenues from patient visits are reduced unpredictably due to the ongoing COVID-19 pandemic. The method used in this research is a qualitative descriptive method. The results of the data analysis showed that the number of patient visits at UMM Hospital increased in the second year of the COVID-19 pandemic in 2021.

Keywords: COVID-19, hospital, risk management, financial, BPJS

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