Where a living donor and the recipient, being closely related, carry a relatively high percentage of similar genes, the rate at which the organ is rejected by the body's immune system is about 10 percent, according to the foundation. Where the kidney came from a cadaver the rate is 40 to 50 percent.

Another risk in purchasing kidneys cited by the physicians was uncertainty as to the medical history of the donor. Situations were also forseen in which parents in search of funds would consent to kidney removal from one or more of their children.

Dr. Jacobs, in a telephone interview last night at his office in Reston, Va., responded that 70,000 Americans were dependent on dialysis machines, which substitute for kidney function. Yet, he said, there were only enough kidney donors for a little more than 5,000 patients last year.

''How are they going to fill the gap?'' he asked. He also said the danger of infection in a cadaver kidney was ''slightly higher'' than that in a kidney from a living donor. He said the risk to the kidney donor was less than that from a hysterectomy, a relatively common operation involving the removal of all or part of the uterus.

Asserting that the voluntary approach had not produced the needed kidneys, he asked rhetorically: ''Where is the wind blowing? It is the money wind.'' License Was Revoked