Artikel Ekonomi Kelas 10 ini akan membahas tentang program dana pensiun. Dalam pembahasan program dana pensiun akan dijelaskan tentang pengertian, fungsi, prinsip usaha, dan produk dana pensiun.
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Ada masa-masa yang bakal kamu rasain nanti ketika sudah mulai terjun ke dunia kerja. Saat kamu masih aktif bekerja, seiring bertambahnya usia, maka semakin dekat kamu dengan usia pensiun. Emang apa sih pensiun itu? Menurut Kamus Besar Bahasa Indonesia (KBBI), pensiun artinya tidak bekerja lagi karena masa tugasnya sudah selesai.
Biasanya para pekerja yang akan memasuki usia pensiun itu merasa bingung. Iya. Bingungnya karena tidak ada pemasukan lagi untuk kebutuhan hidup sehari-hari. Apa emang betul seorang yang sudah masuk usia pensiun akan merasa bingung karena rasa takut tidak tercukupi kebutuhannya nanti?
Sebenarnya kekhawatiran seperti itu sudah lama diantisipasi kok. Sekarang, sudah ada yang namanya dana pensiun. Nah, dengan adanya dana pensiun ini diharapkan para pensiunan tidak khawatir jika sudah memasuki usia pensiun.
Pengertian Dana Pensiun
Dana pensiun merupakan sebuah lembaga keuangan, tapi bukan bank ya. Usahanya menghimpun dana dalam jangka panjang yang bertujuan menjamin kelanjutan penghasilan dari karyawan di hari tuanya.
Dana pensiun itu paling nggak ada tiga fungsi yang harus bisa dirasakan manfaatnya oleh para pensiunan. Ada apa aja ya?
Baca Juga: Pengertian Bank, Fungsi, dan Jenis-Jenisnya
Fungsi Dana Pensiun
1. Fungsi Asuransi
Pertama, fungsi asuransi. Fungsi ini bermanfaat bagi peserta yang sebelum memasuki usia pensiun mengalami cacat atau meninggal dunia.
Nah, ahli waris dari peserta diberikan uang pertanggungan atas beban bersama dari dana pensiun. Misalnya, kamu bekerja nih, di usia 40 tahunan, kamu mengalami kecelakaan yang mengakibatkan cacat. Nah, dana pensiun akan memberikan uang pertanggungjawaban ke kamu.
Baca Juga: Pengertian Asuransi, Fungsi, Unsur, Peran & Macam-Macam Produknya
2. Fungsi Tabungan
Kedua, fungsi tabungan. Dana pensiun berfunsi menghimpun iuran peserta baik dari peserta itu sendiri atau pun pemberi kerja. Bentuknya seperti tabungan yang dapat dilihat peserta dari dana pensiun setiap bulannya.
3. Fungsi Pensiun
Ketiga, fungsi pensiun. Fungsi inilah yang menjawab kekhawatiran pekerja ketika mencapai usia pensiun.
Peserta yang mengikuti program dari dana pensiun kan memberikan iuran baik dari pribadi dan pemberi kerja. Nah, seluruh himpunan iuran tersebut dan hasil pengelolaannya akan dibayarkan kepada pensiunan sejak bulan pertama masa pensiun hingga pensiunan wafat.
Bahkan untuk pensiunan PNS, setelah wafat pun, istri atau suami yang ditinggalkan juga masih mendapat manfaat dari fungsi ketiga ini.
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Apakah kamu tahu, ruangbelajar punya fitur yang namanya ADAPTO, lho! Di ADAPTO, kamu bisa memilih pembahasan lebih dalam, agar kamu lebih paham, dan pastinya makin pintar! Langsung aja cek fitur ini di ruangbelajar, ya!
Prinsip Dana Pensiun
Berbagai lembaga dana pensiun yang ada di Indonesia paling nggak harus memiliki tujuh prinsip dalam pelaksanaannya, adapun tujuh prinsip itu ialah:
1. Prinsip kejelasan maksud dan tujuan program;
2. Prinsip independensi;
3. Prinsip akuntabilitas;
4. Prinsip transparansi;
5. Prinsip perlindungan konsumen;
6. Prinsip struktur pengendalian internal; dan
7. Prinsip kualifikasi penyelenggara.
Nah, untuk penjelasan lebih lanjut tentang prinsip usaha tersebut, kamu bisa lihat di video ruangbelajar ya. Penjelasannya dijamin lebih menarik karena pakai animasi yang keren-keren lho.
Cuss…kita lanjut ke produk dana pensiun ya.
Produk Dana Pensiun
Selain prinsip usaha, dana pensiun tentunya juga memiliki beberapa produk unggulan yang bisa ditawarkan kepada calon peserta. Ada dua macam produk dana pensiun yang beredar di masyarakat.
1. Dana Pensiun Pemberi Kerja (DPPK)
Produk pertama ialah Dana Pensiun Pemberi Kerja (DPPK). Produk dana pensiun ini dibangun oleh perusahaan atau lembaga tempat karyawan bekerja. Ada beberapa perusahaan ternama seperti PT Telkom dan PT Astra International Tbk itu memberikan produk berupa DPPK yang langsung dikelola oleh perusahaan.
Masih tentang produk DPPK. Nah, ada 2 jenis program nih yang ada di DPPK.
a) Program Pensiun Manfaat Pasti (PPMP)
Pertama ialah Program Pensiun Manfaat Pasti (PPMP). Program ini wujudnya berupa manfaat yang diterima seorang pensiunan dengan rumus perhitungan tertentu.
Biasanya sih menggunakan keterkaitan antara jumlah gaji terakhir, masa kerja dan golongan (pangkat). Besar nilai dari manfaat ini nggak sama lho antara satu perusahaan dengan perusahaan lain.
b) Program Pensiun Iuran Pasti (PPIP)
Program kedua ialah Program Pensiun Iuran Pasti (PPIP). Program ini wujudnya ialah iuran dengan sejumlah dana kepada pengelola (perusahaan tempat bekerja atau lembaga keuangan).
Nah, dana iuran tersebut diinvestasikan dalam bentuk produk investasi. Di program PPIP ini risiko investasi sepenuhnya ditanggung oleh peserta yang membayar iuran. Perusahaan atau lembaga nggak bakal mau ganti rugi. Kenapa? Ya karena memang peraturannya seperti itu. Tidak ada perjanjian ganti rugi.
2. Dana Pensiun Lembaga Keuangan (DPLK)
Nah, produk dana pensiun yang kedua ialah Dana Pensiun Lembaga Keuangan (DPLK). Produk ini diselenggarakan oleh bank atau perusahaan asuransi.
Pelaksanaan produk ini mengadopsi dengan program PPIP yang sudah dijelaskan di atas tadi ya. Bedanya, produk ini terpisah dari dana pensiun yang diberikan oleh pemberi kerja (tempat pensiunan bekerja).
Contohnya begini, kamu bekerja di PT Rogu, nah kamu memilih ikut suatu program asuransi dari perusahaan lain, misalnya dari Manulife Indonesia, Allianz Indonesia, Bumiputera, atau yang lainnya. Keikutsertaan kamu di perusahaan asuransi inilah yang nantinya kamu akan mendapatkan dana pensiun dari lembaga keuangan.
Baca Juga: Sistem Ekonomi: Pengertian, Macam-Macam & Karakteristiknya
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Itu tadi prinsip dan produk dana pensiun yang bisa kamu nikmati nanti setelah masuk ke usia pensiun. Pokoknya, mulai dari sekarang kamu harus pintar-pintar mengelola keuangan deh.
Mau konsultasi lebih lanjut terkait materi ini dengan guru privat? Yuk langsung aja gabung di Ruangguru Privat Ekonomi.
Belajar nggak cuma menyenangkan, tapi kamu juga bakal diajari konsepnya sampai paham! Para pengajar di Ruangguru Privat juga sudah terstandarisasi kualitasnya, loh. Kamu juga bisa pilih nih, mau diajarkan secara langsung (offline) atau daring (online). Fleksibel, kan? Untuk info lebih lanjut, cuss klik link berikut!
Referensi:
Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.
Artikel ini pertama kali terbit 27 September 2018, kemudian diperbarui pada 7 Desember 2020 dan 6 Februari 2026.
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<h1 class="content-title">
Pengertian Dana Pensiun, Fungsi, Prinsip, dan Produknya | Ekonomi Kelas 10 </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/tedy-rizkha-heryansyah" class="">Tedy Rizkha Heryansyah</a> </p>
<p class="content-info"><span>February 6, 2026 • </span> <span>5 minutes read</span></p>
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<p><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/f0a837b8-b023-4789-bd6a-cca112d9e156.png" alt="Dana Pensiun" /></p>
<p style="font-size: 16px; text-align: center;"><em><strong><a href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-10">Artikel Ekonomi Kelas 10</a></strong> ini akan membahas tentang program dana pensiun. Dalam pembahasan program dana pensiun akan dijelaskan tentang pengertian, fungsi, prinsip usaha, dan produk dana pensiun.</em></p>
<p style="font-size: 16px; text-align: center;"><em>—</em></p>
<p> </p>
<p style="text-align: justify;">Ada masa-masa yang bakal kamu rasain nanti ketika sudah mulai terjun ke dunia kerja. Saat kamu masih aktif bekerja, seiring bertambahnya usia, maka semakin dekat kamu dengan usia pensiun. Emang apa sih pensiun itu? Menurut Kamus Besar Bahasa Indonesia (KBBI), pensiun artinya tidak bekerja lagi karena masa tugasnya sudah selesai.</p>
<p style="text-align: justify;">Biasanya para pekerja yang akan memasuki usia pensiun itu merasa bingung. Iya. Bingungnya karena tidak ada pemasukan lagi untuk kebutuhan hidup sehari-hari. Apa emang betul seorang yang sudah masuk usia pensiun akan merasa bingung karena rasa takut tidak tercukupi kebutuhannya nanti?</p>
<p><img decoding="async" style="width: 600px; display: block; margin: 0px auto;" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/dana%20pensiun%20-%20meme.png" alt="dana pensiun - meme" width="600" /></p>
<p> </p>
<p style="text-align: justify;">Sebenarnya kekhawatiran seperti itu sudah lama diantisipasi kok. Sekarang, sudah ada yang namanya dana pensiun. Nah, dengan adanya dana pensiun ini diharapkan para pensiunan tidak khawatir jika sudah memasuki usia pensiun.</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Pengertian Dana Pensiun</span></h2>
<p style="text-align: justify;">Dana pensiun merupakan <strong>sebuah lembaga keuangan, tapi bukan bank</strong> ya. Usahanya <strong>menghimpun dana dalam jangka panjang</strong> yang bertujuan menjamin kelanjutan penghasilan dari karyawan di hari tuanya.</p>
<p style="text-align: justify;">Dana pensiun itu paling nggak ada tiga fungsi yang harus bisa dirasakan manfaatnya oleh para pensiunan. Ada apa aja ya?</p>
<p><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/pengertian-fungsi-dan-jenis-bank">Pengertian Bank, Fungsi, dan Jenis-Jenisnya</a></strong></p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Fungsi Dana Pensiun</span></h2>
<h3><span style="font-size: 14pt;">1. Fungsi Asuransi</span></h3>
<p style="text-align: justify;">Pertama, fungsi asuransi. Fungsi ini bermanfaat bagi peserta yang sebelum memasuki usia pensiun mengalami cacat atau meninggal dunia.</p>
<p style="text-align: justify;">Nah, ahli waris dari peserta diberikan uang pertanggungan atas beban bersama dari dana pensiun. Misalnya, kamu bekerja nih, di usia 40 tahunan, kamu mengalami kecelakaan yang mengakibatkan cacat. Nah, dana pensiun akan memberikan uang pertanggungjawaban ke kamu.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/pengertian-dan-macam-macam-produk-asuransi">Pengertian Asuransi, Fungsi, Unsur, Peran & Macam-Macam Produknya </a></strong></p>
<p> </p>
<h3><span style="font-size: 14pt;">2. Fungsi Tabungan</span></h3>
<p style="text-align: justify;">Kedua, fungsi tabungan. Dana pensiun berfunsi menghimpun iuran peserta baik dari peserta itu sendiri atau pun pemberi kerja. Bentuknya seperti tabungan yang dapat dilihat peserta dari dana pensiun setiap bulannya.</p>
<p><img decoding="async" style="width: 600px; display: block; margin: 0px auto;" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/dana%20pensiun%20-%20undang-undang.png" alt="dana pensiun - undang-undang" width="600" /></p>
<p> </p>
<h3><span style="font-size: 14pt;">3. Fungsi Pensiun</span></h3>
<p style="text-align: justify;">Ketiga, fungsi pensiun. Fungsi inilah yang menjawab kekhawatiran pekerja ketika mencapai usia pensiun.</p>
<p style="text-align: justify;">Peserta yang mengikuti program dari dana pensiun kan memberikan iuran baik dari pribadi dan pemberi kerja. Nah, seluruh himpunan iuran tersebut dan hasil pengelolaannya akan dibayarkan kepada pensiunan sejak bulan pertama masa pensiun hingga pensiunan wafat.</p>
<p style="text-align: justify;">Bahkan untuk pensiunan PNS, setelah wafat pun, istri atau suami yang ditinggalkan juga masih mendapat manfaat dari fungsi ketiga ini.</p>
<p style="text-align: center;">—</p>
<p style="text-align: center;"><em>Apakah kamu tahu, ruangbelajar punya fitur yang <strong><a href="https://app.ruangguru.com/ruangbelajar/v/asuransi-dan-dana-pensiun-subtopi-e0orx9un-hr-sma-kelas-10-ips">namanya ADAPTO</a></strong>, lho! Di ADAPTO, kamu bisa memilih pembahasan lebih dalam, agar kamu lebih paham, dan pastinya makin pintar! Langsung aja cek fitur ini di ruangbelajar, ya!</em></p>
<p style="text-align: center;"><a href="https://www.ruangguru.com/ruangbelajar"><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/1cc4201a-1c15-4f54-b7b8-dad07677c186.jpg" alt="CTA ADAPTO" /></a></p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Prinsip Dana Pensiun</span></h2>
<p style="text-align: justify;">Berbagai lembaga dana pensiun yang ada di Indonesia paling nggak harus memiliki tujuh prinsip dalam pelaksanaannya, adapun tujuh prinsip itu ialah:</p>
<h3><span style="font-size: 12pt;">1. Prinsip kejelasan maksud dan tujuan program;</span></h3>
<h3><span style="font-size: 12pt;">2. Prinsip independensi;</span></h3>
<h3><span style="font-size: 12pt;">3. Prinsip akuntabilitas;</span></h3>
<h3><span style="font-size: 12pt;">4. Prinsip transparansi;</span></h3>
<h3><span style="font-size: 12pt;">5. Prinsip perlindungan konsumen;</span></h3>
<h3><span style="font-size: 12pt;">6. Prinsip struktur pengendalian internal; dan</span></h3>
<h3><span style="font-size: 12pt;">7. Prinsip kualifikasi penyelenggara.</span></h3>
<p> </p>
<p style="text-align: justify;">Nah, untuk penjelasan lebih lanjut tentang prinsip usaha tersebut, kamu bisa lihat di video <a href="https://app.ruangguru.com/ruangbelajar/v/asuransi-dan-dana-pensiun-subtopi-e0orx9un-hr-sma-kelas-10-ips?t=588" target="_blank" rel="noopener"><strong>ruangbelajar</strong></a> ya. Penjelasannya dijamin lebih menarik karena pakai animasi yang keren-keren lho.</p>
<p style="text-align: justify;">Cuss…kita lanjut ke produk dana pensiun ya.</p>
<p> </p>
<h2 style="text-align: justify;">Produk<span style="font-size: 18pt;"> Dana Pensiun</span></h2>
<p style="text-align: justify;">Selain prinsip usaha, dana pensiun tentunya juga memiliki beberapa produk unggulan yang bisa ditawarkan kepada calon peserta. Ada dua macam produk dana pensiun yang beredar di masyarakat.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">1. Dana Pensiun Pemberi Kerja (DPPK)</span></h3>
<p style="text-align: justify;">Produk pertama ialah Dana Pensiun Pemberi Kerja (DPPK). Produk dana pensiun ini<strong> dibangun oleh perusahaan atau lembaga tempat karyawan bekerja</strong>. Ada beberapa perusahaan ternama seperti PT Telkom dan PT Astra International Tbk itu memberikan produk berupa DPPK yang langsung dikelola oleh perusahaan.</p>
<p><img decoding="async" style="width: 600px; display: block; margin: 0px auto;" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/dana%20pensiun%20-%20taspen%20dan%20bpjs.png" alt="dana pensiun - taspen dan bpjs" width="600" /></p>
<p> </p>
<p style="text-align: justify;">Masih tentang produk DPPK. Nah, ada 2 jenis program nih yang ada di DPPK.</p>
<h4>a) Program Pensiun Manfaat Pasti (PPMP)</h4>
<p style="text-align: justify;">Pertama ialah Program Pensiun Manfaat Pasti (PPMP). Program ini wujudnya berupa manfaat yang diterima seorang pensiunan dengan <strong>rumus perhitungan tertentu</strong>.</p>
<p style="text-align: justify;">Biasanya sih menggunakan keterkaitan antara jumlah gaji terakhir, masa kerja dan golongan (pangkat). Besar nilai dari manfaat ini nggak sama lho antara satu perusahaan dengan perusahaan lain.</p>
<p> </p>
<h4>b) Program Pensiun Iuran Pasti (PPIP)</h4>
<p style="text-align: justify;">Program kedua ialah Program Pensiun Iuran Pasti (PPIP). Program ini wujudnya ialah iuran dengan sejumlah dana kepada pengelola (perusahaan tempat bekerja atau lembaga keuangan).</p>
<p style="text-align: justify;">Nah, dana <strong>iuran tersebut diinvestasikan dalam bentuk produk investasi</strong>. Di program PPIP ini risiko investasi sepenuhnya ditanggung oleh peserta yang membayar iuran. Perusahaan atau lembaga nggak bakal mau ganti rugi. Kenapa? Ya karena memang peraturannya seperti itu. Tidak ada perjanjian ganti rugi.</p>
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<p> </p>
<h3><span style="font-size: 14pt;">2. Dana Pensiun Lembaga Keuangan (DPLK)</span></h3>
<p style="text-align: justify;">Nah, produk dana pensiun yang kedua ialah Dana Pensiun Lembaga Keuangan (DPLK). Produk ini d<strong>iselenggarakan oleh bank atau perusahaan asuransi</strong>.</p>
<p style="text-align: justify;">Pelaksanaan produk ini mengadopsi dengan program PPIP yang sudah dijelaskan di atas tadi ya. Bedanya, produk ini terpisah dari dana pensiun yang diberikan oleh pemberi kerja (tempat pensiunan bekerja).</p>
<p style="text-align: justify;">Contohnya begini, kamu bekerja di PT Rogu, nah kamu memilih ikut suatu program asuransi dari perusahaan lain, misalnya dari Manulife Indonesia, Allianz Indonesia, Bumiputera, atau yang lainnya. Keikutsertaan kamu di perusahaan asuransi inilah yang nantinya kamu akan mendapatkan dana pensiun dari lembaga keuangan.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/macam-macam-sistem-ekonomi">Sistem Ekonomi: Pengertian, Macam-Macam & Karakteristiknya</a></strong></p>
<p style="text-align: center;">—</p>
<p style="text-align: justify;">Itu tadi prinsip dan produk dana pensiun yang bisa kamu nikmati nanti setelah masuk ke usia pensiun. Pokoknya, mulai dari sekarang kamu harus pintar-pintar mengelola keuangan deh.</p>
<p style="text-align: justify;">Mau konsultasi lebih lanjut terkait materi ini dengan guru privat? Yuk langsung aja gabung di <strong><a href="https://www.ruangguru.com/privat/ekonomi">Ruangguru Privat Ekonomi</a></strong>.</p>
<p style="text-align: justify;">Belajar nggak cuma menyenangkan, tapi kamu juga bakal diajari konsepnya sampai paham! Para pengajar di Ruangguru Privat juga sudah terstandarisasi kualitasnya, loh. Kamu juga bisa pilih nih, mau diajarkan secara langsung (<em>offline</em>) atau daring (<em>online</em>). Fleksibel, kan? Untuk info lebih lanjut, cuss klik link berikut!</p>
<p><a href=" https://cta.ruangguru.com/blog-rg10-privat"><img decoding="async" class="aligncenter" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/00681c1d-d8b9-4ece-882d-dcb51996a120.png" alt="CTA Ruangguru Privat" /></a></p>
<p> </p>
<p style="text-align: left;"><strong>Referensi:</strong></p>
<p style="text-align: left;">Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.</p>
<p style="text-align: left;"><em>Artikel ini pertama kali terbit 27 September 2018, kemudian diperbarui pada 7 Desember 2020 dan 6 Februari 2026.</em></p>
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<div class="d-lg-none text-center">
<nav class="footer-menu social">
<p class="title">Ikuti Kami</p>
<a target="_blank" href="https://www.instagram.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/instagram.png" loading="lazy" alt="Logo Instagram Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.facebook.com/ruanggurucom/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/facebook.png" loading="lazy" alt="Logo Facebook Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://twitter.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/twitter.png" loading=" lazy" alt="Logo Twitter Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.youtube.com/ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/youtube.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/youtube.png" loading=" lazy" alt="Logo Youtube Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.linkedin.com/company/ruangguru-com">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/linkedin.png" loading=" lazy" alt="Logo LinkedIn Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.tiktok.com/@ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/tiktok.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/tiktok.png" loading=" lazy" alt="Logo TikTok Footer" width="32px" height="32px" />
</picture>
</a>
</nav>
</div>
<p class="footer-copyright">
© 2026 All Rights Reserved PT. Ruang Raya Indonesia
</p>
</div>
<style>
.bantuan-container {
position: relative;
}
.bantuan-element {
position: fixed;
z-index: 999;
display: flex;
align-items: flex-end;
justify-content: flex-end;
cursor: pointer;
transition: all 0.6s ease;
}
.bantuan-top {
bottom: 11rem;
right: 2rem;
}
.bantuan-bottom {
bottom: 2rem;
right: 2rem;
}
.bantuan-top-2 {
bottom: 15rem;
right: 2rem;
}
.bantuan-top-3 {
bottom: 19rem;
right: 2rem;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 2rem;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 2rem;
}
@media (min-width: 768px) {
.bantuan-element img {
width: auto;
transition: all 0.4s ease;
}
.bantuan-top img {
width: 140px;
}
.bantuan-bottom img {
width: 140px;
}
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 140px;
}
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 140px;
}
.bantuan-element.clicked {
bottom: 9rem;
right: 2.5rem;
}
.bantuan-element.clicked img {
width: auto;
height: 64px;
}
}
@media (max-width: 767px) {
.bantuan-top {
bottom: 8rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom {
bottom: 2rem;
right: 1.25rem;
align-items: center;
}
.bantuan-top-2 {
bottom: 12rem;
right: 1rem;
align-items: center;
}
.bantuan-top-3 {
bottom: 16rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 1.25rem;
align-items: center;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 1.25rem;
align-items: center;
}
.bantuan-element img {
width: auto;
}
.bantuan-top img,
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 96px;
}
.bantuan-bottom img,
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 96px;
}
}
.bantuan-element:hover {
transform: scale(1.05);
}
.bantuan-element img {
max-width: 100%;
height: auto;
}
</style>
<div id="bantuan-divs-container" style="position: relative" data-product="ruangguru" data-table="rg_floating_icon"></div>
<script>
class FloatingDivsComponent {
constructor(product = 'ruangguru', table = 'rg_floating_icon') {
this.container = document.getElementById('bantuan-divs-container');
this.floatingElements = [];
this.product = product;
this.table = table;
// Configuration
this.config = {
baseApiUrl: 'https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/rg_banner/views/',
apiKey: 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
maxElements: 2,
zIndexBase: 100,
};
// Build dynamic API URL based on table parameter
this.config.apiUrl = this.buildApiUrl();
this.init();
}
buildApiUrl() {
const baseUrl = this.config.baseApiUrl;
const tableName = this.table || 'rg_floating_icon';
const queryParams =
'offset=0&limit=99999&sort=rankPosition&where=(type,eq,floating)~and(showIn,anyof,blog)~and(hide,is,false)~and(product,eq,' +
this.product +
')&nested%5Bcta%5D%5Bfields%5D=Id,name,ctaId,imageUrl,ctaLink,targetUrl';
return `${baseUrl}${tableName}?${queryParams}`;
}
async init() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to initialize floating divs component:', error);
}
}
async fetchFloatingElements() {
try {
const options = {
method: 'GET',
headers: {
'xc-token': this.config.apiKey || 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
},
};
const urlNoco = this.config.apiUrl;
const response = await fetch(urlNoco, options);
if (!response.ok) {
throw new Error(`HTTP error! status: ${response.status}`);
}
const data = await response.json();
this.floatingElements = this.processApiResponse(data);
} catch (error) {
console.error('Error fetching floating elements:', error);
throw error;
}
}
processApiResponse(data) {
if (!data || !data.list || !Array.isArray(data.list)) {
return [];
}
console.log(data.list);
// Ensure we only get maximum 2 elements
const limitedElements = data.list.slice(0, this.config.maxElements);
return limitedElements;
}
renderFloatingElements() {
if (!this.container || this.floatingElements.length === 0) {
return;
}
// Additional safeguard: ensure we never render more than maxElements
const elementsToRender = this.floatingElements.slice(0, this.config.maxElements);
// Clean up existing elements and their event listeners
this.cleanupExistingElements();
// Clear existing content
this.container.innerHTML = '';
elementsToRender.forEach((element, index) => {
const floatingDiv = this.createFloatingDiv(element, index);
this.container.appendChild(floatingDiv);
});
}
cleanupExistingElements() {
// Clear existing elements (no need for event listener cleanup with CSS approach)
const existingElements = this.container.querySelectorAll('[data-floating-element]');
existingElements.forEach(element => {
element.remove();
});
}
createFloatingDiv(element, index) {
const div = document.createElement('div');
const cta = element.cta[0]; // Use the first CTA
// Add data attribute for cleanup tracking
div.setAttribute('data-floating-element', 'true');
// Apply CSS classes based on rankPosition
const positionClass = this.getPositionClass(element.rankPosition, index);
div.className = `bantuan-element ${positionClass}`;
div.style.zIndex = this.config.zIndexBase + index;
// Create the link and image
const link = document.createElement('a');
link.href = 'https://cta.ruangguru.com/' + cta.ctaId || '#';
link.target = '_blank';
// Add tracking attributes
link.setAttribute('data-tracking-event-type', 'landing_page__core__item_click');
link.setAttribute(
'data-tracking-context',
JSON.stringify({
product_name: this.product,
cta_action: 'redirection',
cta_action_detail: link.href,
item_type: 'floating',
item_name: element.name || 'Floating element',
item_category: 'payment',
item_position: index,
item_serial: null,
section_type: 'floating_item',
section_position: 'body',
section_name: 'floating_item',
})
);
const img = document.createElement('img');
img.src = element.imageUrl + '?h=200&convert=webp';
img.alt = element.name || 'Floating element';
img.loading = 'lazy';
// Add click tracking
link.addEventListener('click', () => {
this.trackClick(element, cta);
});
link.appendChild(img);
div.appendChild(link);
return div;
}
getPositionClass(rankPosition, index) {
// Define positioning classes based on rankPosition
if (rankPosition === 1) {
return 'bantuan-top'; // Top position
} else if (rankPosition === 2) {
return 'bantuan-bottom'; // Bottom position
} else {
// For additional elements, distribute them evenly
return `bantuan-${index % 2 === 0 ? 'top' : 'bottom'}-${Math.floor(index / 2) + 1}`;
}
}
trackClick(element, cta) {
// Implement click tracking logic here
console.log('Floating element clicked:', {
elementId: element.Id,
elementName: cta.name,
ctaId: cta.ctaId,
targetUrl: cta.targetUrl,
});
}
// Public method to manually refresh
async refresh() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to refresh floating elements:', error);
throw error;
}
}
// Public method to get current floating elements
getFloatingElements() {
return [...this.floatingElements];
}
}
// Initialize the component when DOM is ready
document.addEventListener('DOMContentLoaded', () => {
// Get product and table parameters from data attributes
const container = document.getElementById('bantuan-divs-container');
const product = container.getAttribute('data-product') || 'ruangguru';
const table = container.getAttribute('data-table') || 'rg_floating_icon';
new FloatingDivsComponent(product, table);
});
// Export for use in other modules if needed
if (typeof module !== 'undefined' && module.exports) {
module.exports = FloatingDivsComponent;
}
</script> <div id="wp-install-nudge" style="
position: fixed;
bottom: 0rem;
right: 0;
z-index: 999;
cursor: pointer;
"></div>
<script>
(function (w, d, s, o, f, js, fjs) {
w['Sales-Nudge-Widget'] = o; w[o] = w[o] || function () { (w[o].q = w[o].q || []).push(arguments) };
js = d.createElement(s), fjs = d.getElementsByTagName(s)[0];
js.id = o; js.src = f; js.async = 1; fjs.parentNode.insertBefore(js, fjs);
}(window, document, 'script', 'wpInstallNudge', 'https://cdn-web-2.ruangguru.com/sales-nudge/6198a95130/dist/widget.js'));
wpInstallNudge('init', { targetElementId: 'wp-install-nudge', clientTarget: 'ruangguru_blog' });
</script>
<script>
// note: disabled due to auto reload page
// var lastScrollTop = 0;
// $(window).scroll(function(event){
// var st = $(this).scrollTop();
// if (st > lastScrollTop){
// $('#wp-install-nudge').slideDown( "slow", function() {});
// } else {
// $('#wp-install-nudge').slideUp( "slow", function() {});
// }
// lastScrollTop = st;
// });
// $(document).ready(function () {
// $("#wp-install-nudge").hide();
// });
$('#wp-install-nudge').click(function(){
Analytics.track("promotion__install_nudge__click",
{
user_email: "ruangguru@blog.com",
cta_link: widgetData.dataConfig.target_link
}).catch((err) => {
console.log("tracker error", err);
});
});
</script>
</footer>
<div id="__next"></div>
<script type="speculationrules">
{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/blog\/*"},{"not":{"href_matches":["\/blog\/wp-*.php","\/blog\/wp-admin\/*","\/blog\/wp-content\/uploads\/*","\/blog\/wp-content\/*","\/blog\/wp-content\/plugins\/*","\/blog\/wp-content\/themes\/ruangguru\/*","\/blog\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]}
</script>
<script>
async function getCtaDetails(ctaIds) {
const endpoint =
" https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/CTA/views/CTA?offset=0&limit=10&where=(ctaId,in," + ctaIds.toString() + ")";
try {
const response = await fetch(endpoint, {
headers: {
"xc-token": "-hG2nBDJzSj0agSgNtcJx97M4F02y54nUMoY6plJ",
},
});
const data = await response.json();
const ctaList = data?.list || [];
const ctaMap = new Map();
for (const ctaData of ctaList) {
ctaMap.set(ctaData.ctaId, ctaData);
}
return ctaMap;
} catch (error) {
console.error("Error fetching CTA details:", error);
return new Map();
}
}
async function replaceCTA() {
const regex = /{{cta\((‘(.*?)’|“(.*?)”)\)}}/g;
const bodyHTML = document.body.innerHTML;
const matches = Array.from(bodyHTML.matchAll(regex));
const ctaIds = matches.map((match) => {
let ctaId = match[2] ?? match[3];
return ctaId;
});
const ctaMap = await getCtaDetails(ctaIds);
const replacedHTML = bodyHTML.replace(regex, (match, _inner, ctaId1, ctaId2) => {
const ctaId = ctaId1 ?? ctaId2;
const ctaData = ctaMap.get(ctaId);
if (ctaData) {
return `<a href="https://cta.ruangguru.com/${ctaData.ctaId}" target="_${ctaData.targetType}" style="position:relative;display:inline-block;">
<img src="${ctaData.imageUrl}" loading="lazy" alt="${ctaData.altText}" />
</a>`;
} else {
return match;
}
});
document.body.innerHTML = replacedHTML;
}
</script>
<meta name="author" content="Ruangguru Tech Team">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PVNLZFT" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- Tracker -->
<script type="text/javascript" src="https://cdn-web-2.ruangguru.com/landing-page-web/public/staticpages/global-assets/js/cta.js"></script>
<script src="https://unpkg.com/@dotlottie/player-component@latest/dist/dotlottie-player.mjs" type="module"></script>
</body>
</html>