Apa yang dimaksud dengan sistem pembayaran? Apa saja komponen dan risikonya? Lalu, apa saja perang bank sentral (Bank Indonesia) dalam sistem pembayaran? Yuk simak penjelasannya di artikel Ekonomi kelas 10 berikut ini!
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Seiring dengan majunya zaman dan teknologi, banyak aspek kehidupan manusia menjadi terasa lebih mudah. Salah satunya dalam hal belanja. Hayo, kamu pasti pernah belanja online kan?
Nah, karena kemajuan teknologi sekarang kamu tidak perlu lagi bertemu dengan penjualnya hanya perlu kuota, klik, transfer, dan barang akan datang.
Sistem pembayaran yang sebelumnya harus tunai bertemu dengan penjual langsung dapat diminimalisir menjadi lebih mudah dan tidak perlu bertemu langsung, salah satunya dengan transfer via bank.
Penasaran nggak kenapa sistem pembayarannya bisa semudah itu? Dan siapa yang mengatur hal tersebut? Tapi sebelum itu, cari tahu dulu yuk tentang apa itu sistem pembayaran!
Sebelumnya, kamu pasti bertanya-tanya, apa sih sistem pembayaran itu? Sistem pembayaran adalah sistem yang berkaitan dengan pemindahan sejumlah nilai uang dari satu pihak ke pihak lain.
Cotohnya pada peristiwa di atas, pihak yang terlibat adalah kamu dengan penjual online shop, dan uang kamu akan berpindah ke penjual ketika kamu melakukan transaksi.
Alat pembayaran yang digunakan pun beragam, mulai dari pembayaran tunai dengan uang kartal, cek, wesel, giro dan lain-lain, hingga pembayaran non tunai, seperti transfer, QRIS, atau menggunakan kartu debet/kredit. Nah, lembaga yang bertanggung jawab dalam mengatur dan menjaga kelancaran sistem pembayaran di Indonesia adalah Bank Indonesia.
Lalu, apa saja komponen dari sistem pembayaran?
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Komponen Sistem Pembayaran
1. Alat Pembayaran
Alat pembayaran adalah segala sesuatu yang dipakai buat bertransaksi, seperti uang tunai, kartu debit/kredit, cek, atau transfer elektronik. Setiap alat punya kelebihan sendiri dalam memudahkan transaksi.
2. Saluran Pembayaran
Saluran pembayaran, atau bisa juga disebut kanal/channel merupakan cara atau jalur yang digunakan buat melakukan transaksi, misalnya lewat ATM, mesin EDC (buat gesek kartu), mobile banking, internet banking, atau aplikasi pembayaran digital. Saluran ini bikin transaksi jadi lebih praktis dan cepat.
3. Perangkat Hukum
Aturan main dalam sistem pembayaran diatur lewat perangkat hukum. Ini mencakup regulasi tentang transaksi keuangan, perlindungan konsumen, pencegahan pencucian uang, hingga keamanan data keuangan. Aturan ini penting supaya sistem pembayaran tetap aman dan stabil.
4. Mekanisme Operasional
Mekanisme operasional berkaitan dengan cara kerja di balik setiap transaksi. Ini mencakup proses kliring (penyesuaian data transaksi), penyelesaian pembayaran, manajemen risiko, serta bagaimana sistem antar bank dan lembaga keuangan saling terhubung.
5. Infrastruktur
Infrastruktur adalah semua teknologi yang menopang sistem pembayaran, seperti jaringan komunikasi, server data, sistem keamanan, dan teknologi lainnya. Ini penting supaya transaksi bisa berjalan lancar dan aman.
6. Lembaga
Ada banyak pihak yang terlibat dalam sistem pembayaran, seperti bank sentral, bank komersial, penyedia layanan pembayaran, dan lembaga keuangan lainnya. Mereka bertugas mengelola, mengawasi, serta mengembangkan inovasi dalam sistem pembayaran.
7. Pengguna
Pengguna adalah siapa saja yang memakai sistem pembayaran, baik individu, bisnis, atau lembaga lain. Dari belanja harian sampai transaksi bisnis besar, pengguna berperan penting dalam menjaga perputaran uang dan aktivitas ekonomi.
Risiko Sistem Pembayaran
Berikut beberapa risiko dari sistem pembayaran:
1. Risiko Kredit
Risiko kredit adalah saat counterparty (bisa debitur atau kreditur) tidak bisa memenuhi kewajiban untuk membayar secara penuh, baik saat jatuh tempo maupun dalam beberapa waktu ke depan.
2. Risiko Likuiditas
Risiko likuiditas adalah saat counterparty gak mampu membayar secara keseluruhan saat jatuh tempo, tapi bisa aja membayar setelah lewat jatuh tempo.
3. Risiko Sistemik
Risiko sistemik artinya kegagalan counterparty dalam memenuhi kewajibannya yang menyebabkan bank/pihak lain tidak memenuhi kewajibannya pula. Akibatnya, menimbulkan ketidakpercayaan terhadap sistem keuangan dan perekonomian nasional.
4. Risiko Hukum
Risiko hukum terjadi karena adanya ketidakpastian hukum terkait dengan masalah transaksi pembayaran dan settlement.
5. Risiko Operasional
Risiko operasional terjadi saat ada kegagalan dari manajemen operasi sistem pembayaran.
Peran Bank Sentral dalam Sistem Pembayaran
Nah, di Indonesia, sistem pembayaran diatur oleh Bank Indonesia sebagai bank sentral. Dalam rangka mengatur dan menjaga kelancaran sistem pembayaran yang diatur dalam UU Nomor 23 tahun 1999 jo UU No. 2 tahun 2009 tentang Bank Indonesia, dijelaskan bahwa Bank Indonesia berwenang untuk menetapkan kebijakan, mengatur, melaksanakan, memberi persetujuan, perizinan, dan pengawasan atas penyelenggaraan sistem pembayaran.
Terdapat 5 peran Bank Indonesia dalam sistem pembayaran, yakni:
1. Regulator
Peraturan-peraturan yang dibuat untuk mendukung kelancaran sistem pembayaran dikeluarkan Bank Indonesia juga lho. Contohnya Peraturan Bank Indonesia (PBI) Nomor 14/23/PBI/2012 tentang Transfer Dana. Peraturan ini juga yang memudahkan kamu dalam bertransaksi online.
2. Perizinan
Bank Indonesia berperan memberikan izin terhadap pihak-pihak yang terlibat dalam pelaksanaan sistem pembayaran. Seperti izin terhadap lembaga yang akan melakukan kegiatan transfer dana, alat pembayaran menggunakan kartu (APMK) dan uang elektonik (e-money).
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3. Pengawasan
Agar kegiatan pembayaran berjalan dengan baik, Bank Indonesia melakukan pengawasan terhadap proses pembayaran ataupun terhadap aktivitas para pelaku yang terlibat dalam sistem pembayaran.
4. Operator
Bank Indonesia menyediakan layanan sistem pembayaran, yakni Bank Indonesia Real Time Gross Settlement (BI-RTGS) dan Sistem Kliring Nasional Bank Indonesia (SKNBI). Untuk Bank Indonesia Scripless Securities Settlement System (BI-SSSS), BI menyediakan layanan sarana penatausahaan dan setelmen surat berharga.
5. Fasilitator
Agar penyelenggaraan sistem pembayaran semakin aman dan efisien, Bank Indonesia memfasilitasi pengembangan sistem pembayaran oleh industri yang bergerak dalam bidang jasa keuangan.
Guys, Bank Indonesia ternyata juga melakukan transaksi-transaksi lain, seperti operasi pasar terbuka, menyelesaikan tagihan, serta transaksi-transaksi yang berkaitan dengan rekening pemerintahan dan lembaga keuangan internasional.
Perlu diketahui juga bahwa BI hanya fokus pada terciptanya efisiensi dalam sistem pembayaran, tapi juga kesetaraan akses hingga ke urusan perlindungan konsumen dengan memberikan kemudahan bagi kamu dan pengguna lainnya untuk memilih metode pembayaran yang dapat diakses ke seluruh wilayah dengan biaya serendah mungkin.
—
Nah, itu tadi penjelasan mengenai sistem pembayaran dan peran Bank Sentral yaitu Bank Indonesia dalam mempermudah sistem ekonomi Indonesia. Ternyata banyak ya jasa BI dalam mempermudah transaksi kita. Eits, masih semangatkan buat belajar materi lainnya? Yuk asah kemampuan kamu dengan ikut try out gratis di ruanguji! Gabung sekarang juga yuk!
Referensi:
Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.
Artikel ini pertama terbit pada 26 April 2018, kemudian diperbarui tahun 2025 oleh Laras Sekar Seruni.
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<h1 class="content-title">
Pengertian Sistem Pembayaran, Komponen, Risiko & Peran Bank Sentral | Ekonomi Kelas 10 </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/aulia-annaisabiru-e" class="">Aulia Annaisabiru E</a> </p>
<p class="content-info"><span>February 4, 2025 • </span> <span>5 minutes read</span></p>
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<p style="text-align: justify;"><span style="color: #000000;"><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/6720e3c7-06b1-46ec-a7df-46001babed55.png" alt="Sistem Pembayaran" /></span></p>
<blockquote>
<p style="text-align: center;"><em>Apa yang dimaksud dengan sistem pembayaran? Apa saja komponen dan risikonya? Lalu, apa saja perang bank sentral (Bank Indonesia) dalam sistem pembayaran? Yuk simak penjelasannya di <strong><a href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-10" target="_blank" rel="noopener">artikel Ekonomi kelas 10</a></strong> berikut ini!</em></p>
</blockquote>
<p style="text-align: center;">—</p>
<p> </p>
<p style="text-align: justify;">Seiring dengan majunya zaman dan teknologi, banyak aspek kehidupan manusia menjadi terasa lebih mudah. Salah satunya dalam hal belanja. Hayo, kamu pasti pernah belanja online kan?</p>
<p style="text-align: justify;">Nah, karena kemajuan teknologi sekarang kamu tidak perlu lagi bertemu dengan penjualnya hanya perlu kuota, klik, transfer, dan barang akan datang.</p>
<p style="text-align: justify;">Sistem pembayaran yang sebelumnya harus tunai bertemu dengan penjual langsung dapat diminimalisir menjadi lebih mudah dan tidak perlu bertemu langsung, salah satunya dengan transfer via bank.</p>
<p style="text-align: justify;">Penasaran nggak kenapa sistem pembayarannya bisa semudah itu? Dan siapa yang mengatur hal tersebut? Tapi sebelum itu, cari tahu dulu yuk tentang apa itu sistem pembayaran!</p>
<p> </p>
<h2><span style="font-size: 18pt;">Pengertian Sistem Pembayaran</span></h2>
<p style="text-align: justify;">Sebelumnya, kamu pasti bertanya-tanya, apa sih sistem pembayaran itu? Sistem pembayaran adalah <strong>sistem yang berkaitan dengan pemindahan sejumlah nilai uang dari satu pihak ke pihak lain</strong>.</p>
<p style="text-align: justify;">Cotohnya pada peristiwa di atas, pihak yang terlibat adalah kamu dengan penjual online shop, dan uang kamu akan berpindah ke penjual ketika kamu melakukan transaksi.</p>
<p style="text-align: justify;">Alat pembayaran yang digunakan pun beragam, mulai dari <strong>pembayaran tunai dengan uang kartal, cek, wesel, giro dan lain-lain</strong>, hingga pembayaran non tunai, seperti transfer, QRIS, atau menggunakan kartu debet/kredit. Nah, lembaga yang bertanggung jawab dalam mengatur dan menjaga kelancaran sistem pembayaran di Indonesia adalah <strong>Bank Indonesia</strong>.</p>
<p style="text-align: justify;">Lalu, apa saja komponen dari sistem pembayaran?</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/bagaimana-pengelolaan-uang-rupiah" target="_blank" rel="noopener">Bagaimana Pengelolaan Uang Rupiah?</a></strong></p>
<p> </p>
<h2><span style="font-size: 18pt;">Komponen Sistem Pembayaran</span></h2>
<p><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/43b5f818-c1fa-4fd5-a8e3-7a51c5fc120c.png" alt="Komponen Sistem Pembayaran" /></p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">1. Alat Pembayaran</span></h3>
<p style="text-align: justify;">Alat pembayaran adalah <strong>segala sesuatu yang dipakai buat bertransaksi</strong>, seperti <strong>uang tunai, kartu debit/kredit, cek, atau transfer elektronik</strong>. Setiap alat punya kelebihan sendiri dalam memudahkan transaksi.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">2. Saluran Pembayaran</span></h3>
<p style="text-align: justify;">Saluran pembayaran, atau bisa juga disebut <em>kanal/channel</em> merupakan cara atau jalur yang digunakan buat melakukan transaksi, misalnya lewat <strong>ATM, mesin EDC (buat gesek kartu), mobile banking, internet banking, atau aplikasi pembayaran digital</strong>. Saluran ini bikin transaksi jadi lebih praktis dan cepat.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">3. Perangkat Hukum</span></h3>
<p style="text-align: justify;">Aturan main dalam sistem pembayaran diatur lewat perangkat hukum. Ini mencakup<strong> regulasi </strong>tentang<strong> transaksi keuangan</strong>, <strong>perlindungan konsumen</strong>, <strong>pencegahan pencucian uang</strong>, hingga <strong>keamanan data keuangan</strong>. Aturan ini penting supaya sistem pembayaran tetap aman dan stabil.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">4. Mekanisme Operasional</span></h3>
<p style="text-align: justify;">Mekanisme operasional berkaitan dengan<strong> cara kerja di balik setiap transaksi</strong>. Ini mencakup proses kliring (penyesuaian data transaksi), penyelesaian pembayaran, manajemen risiko, serta bagaimana sistem antar bank dan lembaga keuangan saling terhubung.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">5. Infrastruktur</span></h3>
<p style="text-align: justify;">Infrastruktur adalah semua <strong>teknologi yang menopang sistem pembayaran</strong>, seperti jaringan komunikasi, server data, sistem keamanan, dan teknologi lainnya. Ini penting supaya transaksi bisa berjalan lancar dan aman.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">6. Lembaga</span></h3>
<p style="text-align: justify;">Ada banyak <strong>pihak yang terlibat dalam sistem pembayaran</strong>, seperti bank sentral, bank komersial, penyedia layanan pembayaran, dan lembaga keuangan lainnya. Mereka bertugas mengelola, mengawasi, serta mengembangkan inovasi dalam sistem pembayaran.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">7. Pengguna</span></h3>
<p style="text-align: justify;">Pengguna adalah <strong>siapa saja yang memakai sistem pembayaran</strong>, baik <strong>individu</strong>, <strong>bisnis</strong>, atau <strong>lembaga lain</strong>. Dari belanja harian sampai transaksi bisnis besar, pengguna berperan penting dalam menjaga perputaran uang dan aktivitas ekonomi.</p>
<p> </p>
<h2><span style="font-size: 18pt;">Risiko Sistem Pembayaran</span></h2>
<p>Berikut beberapa risiko dari sistem pembayaran:</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">1. Risiko Kredit</span></h3>
<p style="text-align: justify;">Risiko kredit adalah saat <em>counterparty </em>(bisa debitur atau kreditur) <strong>tidak bisa memenuhi kewajiban untuk membayar secara penuh</strong>, baik saat jatuh tempo maupun dalam beberapa waktu ke depan.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">2. Risiko Likuiditas</span></h3>
<p style="text-align: justify;">Risiko likuiditas adalah saat <em>counterparty </em>gak mampu membayar <strong>secara keseluruhan </strong><strong>saat jatuh tempo</strong>, tapi bisa aja membayar <strong>setelah lewat jatuh tempo</strong>.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">3. Risiko Sistemik</span></h3>
<p style="text-align: justify;">Risiko sistemik artinya<strong> kegagalan <em>counterparty </em>dalam memenuhi kewajibannya </strong>yang menyebabkan bank/pihak lain tidak memenuhi kewajibannya pula. Akibatnya, menimbulkan <strong>ketidakpercayaan terhadap sistem keuangan </strong>dan perekonomian nasional.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">4. Risiko Hukum</span></h3>
<p style="text-align: justify;">Risiko hukum terjadi karena <strong>adanya ketidakpastian hukum </strong>terkait dengan masalah transaksi pembayaran dan <em>settlement.</em></p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">5. Risiko Operasional</span></h3>
<p style="text-align: justify;">Risiko operasional terjadi saat <strong>ada kegagalan dari manajemen </strong>operasi sistem pembayaran.</p>
<p> </p>
<h2><span style="font-size: 18pt;"><strong>Peran Bank Sentral dalam Sistem Pembayaran</strong></span></h2>
<p style="text-align: justify;">Nah, di Indonesia, sistem pembayaran diatur oleh Bank Indonesia sebagai bank sentral. Dalam rangka mengatur dan menjaga kelancaran sistem pembayaran yang diatur dalam<strong> UU Nomor 23 tahun 1999 jo UU No. 2 tahun 2009 tentang Bank Indonesia</strong>, dijelaskan bahwa Bank Indonesia berwenang untuk menetapkan kebijakan, mengatur, melaksanakan, memberi persetujuan, perizinan, dan pengawasan atas penyelenggaraan sistem pembayaran.</p>
<p style="text-align: justify;">Terdapat <strong>5 peran Bank Indonesia dalam sistem pembayaran</strong>, yakni:</p>
<p> </p>
<h3><span style="font-size: 14pt;">1. Regulator</span></h3>
<p style="text-align: justify;"><strong>Peraturan-peraturan yang dibuat untuk mendukung kelancaran sistem pembayaran dikeluarkan Bank Indonesia</strong> juga lho. Contohnya Peraturan Bank Indonesia (PBI) Nomor 14/23/PBI/2012 tentang Transfer Dana. Peraturan ini juga yang memudahkan kamu dalam bertransaksi online.</p>
<p> </p>
<h3><span style="font-size: 14pt;">2. Perizinan </span></h3>
<p style="text-align: justify;">Bank Indonesia berperan <strong>memberikan izin terhadap pihak-pihak yang terlibat dalam pelaksanaan sistem pembayaran</strong>. Seperti izin terhadap lembaga yang akan melakukan kegiatan transfer dana, alat pembayaran menggunakan kartu (APMK) dan uang elektonik (e-money).</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="/blog/tugas-dan-wewenang-bank-sentral" target="_blank" rel="noopener">Pengertian Bank Sentral, Tujuan, Tugas dan Wewenangnya</a></strong></p>
<p> </p>
<h3><span style="font-size: 14pt;">3. Pengawasan</span></h3>
<p style="text-align: justify;">Agar kegiatan pembayaran berjalan dengan baik, Bank Indonesia m<strong>elakukan pengawasan terhadap proses pembayaran ataupun terhadap aktivitas para pelaku yang terlibat dalam sistem pembayaran</strong>.</p>
<p> </p>
<h3><span style="font-size: 14pt;">4. Operator</span></h3>
<p style="text-align: justify;">Bank Indonesia <strong>menyediakan layanan sistem pembayaran</strong>, yakni <em>Bank Indonesia Real Time Gross Settlement</em> (BI-RTGS) dan Sistem Kliring Nasional Bank Indonesia (SKNBI). Untuk <em>Bank Indonesia Scripless Securities Settlement System</em> (BI-SSSS), BI menyediakan layanan sarana penatausahaan dan setelmen surat berharga.</p>
<p> </p>
<h3><span style="font-size: 14pt;">5. Fasilitator</span></h3>
<p style="text-align: justify;">Agar penyelenggaraan sistem pembayaran semakin aman dan efisien, <strong>Bank Indonesia memfasilitasi pengembangan sistem pembayaran oleh industri yang bergerak dalam bidang jasa keuangan</strong>.</p>
<p style="text-align: justify;">Guys, Bank Indonesia ternyata juga melakukan transaksi-transaksi lain, seperti <strong>operasi pasar terbuka, menyelesaikan tagihan, serta transaksi-transaksi yang berkaitan dengan rekening pemerintahan dan lembaga keuangan internasional</strong>.</p>
<p style="text-align: justify;">Perlu diketahui juga bahwa BI hanya fokus pada terciptanya efisiensi dalam sistem pembayaran, tapi juga kesetaraan akses hingga ke urusan perlindungan konsumen dengan memberikan kemudahan bagi kamu dan pengguna lainnya untuk memilih metode pembayaran yang dapat diakses ke seluruh wilayah dengan biaya serendah mungkin.</p>
<p style="text-align: center;">—</p>
<p style="text-align: justify;">Nah, itu tadi penjelasan mengenai sistem pembayaran dan peran Bank Sentral yaitu Bank Indonesia dalam mempermudah sistem ekonomi Indonesia. Ternyata banyak ya jasa BI dalam mempermudah transaksi kita. Eits, masih semangatkan buat belajar materi lainnya? Yuk asah kemampuan kamu dengan ikut <em>try out</em> gratis di <strong><a href="https://app.ruangguru.com/ruanguji" target="_blank" rel="noopener">ruanguji</a></strong>! Gabung sekarang juga yuk!</p>
<p style="text-align: justify;"><span style="color: #000000;"><a class="rg-cta" style="text-align: center;" href="https://www.ruangguru.com/ruanguji" target="_blank" rel="noopener"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/cta/4d67385e-8dfc-4cd3-8931-2ec9d1ca1c6d.jpeg" alt="IDN CTA Blog ruanguji Ruangguru" /></a></span></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;"><strong>Artikel ini pertama terbit pada 26 April 2018, kemudian diperbarui tahun 2025 oleh Laras Sekar Seruni.</strong></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>