The problem of financing capacity in the context of state-owned hospital emerges when the public health insurance scheme or BPJS failed to deliver its payment to the hospitals, on time. The private hospital did not see this as a problem. Because BPJS has guaranteed 1% monthly interest to recompense for the suspension.
But for the government hospital, the situation is a bit problematic. Before the hospital’s claims are paid by BPJS, the hospital has to borrow from the bank. The 1% interest from BPJS will cover the cost of the loan, in most cases, it is better-of for the hospital because the bank would take interest less than 1%.