<![CDATA[This study aims to analyze the factors influence toward the intencity of utilization of health insurance (JPK) in textile industries observed. The data was collected by interviewing 150 respondents. Estimating technique of Tobit regression model was invoked to determine the use of JPK utilization (INTENS) which hypotesize to be affected by education level (EDUC), household numbers (HH), number of schooling years child (CHILD), Income (INC), costs (COST), service quality (QUALITY) and work environment (LINGKUNG). The results indicated that HH, CHILD, and QUALITY were positively influence and statistically significant in determining the use of JPK (INTENS) at a = 1% to a = 10%. In general, JPK has not optimally utilized by the users since many respondents are utilizing other facilities for their health maintenance such as village health center, private doctors and hospital, and traditional medicines.This study recommends that improvement on: service quality, conveniencies to use JPK facilities (e.g. strategic location of JPK clinic), attitude and reputation of doctor and other paramedic, punctuated timetable of the clinic services, and quality of medicine supplied to users. Moreover, JPK should has its own hospital in short since the potential users of JPK is about 7.97% of Semarang Municipality population.]]>
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