Pernah belanja di toko online gak, Squad? Kalau kamu pernah, berarti sudah tahu dong ya cara pembayaran di toko online? Rata-rata, kalau kamu belanja secara online itu pasti pembayarannya lewat bank. Ada yang pakai transfer, ada yang lewat kartu kredit, dan lain-lain. Semua yang itu ialah macam-macam produk bank. Apa saja sih yang termasuk produk bank tersebut? Simak artikel berikut ya.
(sumber: financialmoneytips.com)
Begini Squad, produk- produk bank itu terbagi menjadi 4 ya. Ada, kredit, transfer, Safe Deposit Box (SDB), dan Bank Card. Kita bahas satu per satu ya.
1. Kredit
Kredit merupakan dana yang sudah ditarik dari masyarakat yang kemudian disalurkan kembali kepada masyarakat dalam bentuk pinjaman. Pasti nggak asing dong mendengar kata kredit? Yaaa, seperti orangtua kamu ingin membeli kendaraan ada pilihan tipe pembayaran mau tunai (cash) atau dengan kredit (cicil).
Eh tapi nggak sembarangan loh bank mau memberikan fasilitas kredit. Ada 5 prinsip dalam analisis kredit. Apa saja itu?
2. Transfer
Kalau kalian sering berbelanja simak tips belanja online agar selalu aman dan pasti udah nggak asing sama produk bank yang satu ini. Transfer itu jasa bank yang memberikan layanan pengiriman uang antarrekening maupun antarbank atas permintaan nasabah kepada penerima di tempat lain.
3. Safe Deposit Box (SDB)
Pernah mendengar Safe Deposit Box (SDB)? Produk ini memang nggak terlalu familiar di telinga kita ya Squad. SDB ini merupakan jasa yang ditawarkan kepada nasabah dalam bentuk penyewaan kotak penyimpanan harta atau surat berharga. Bentuk SDB itu seperti ini ya Squad.
Safe Deposit Box disediakan oleh bank, bisa digunakan untuk menyimpan emas atau surat-surat berharga. (sumber: scmp.com)
4. Bank Card
Kalau ini mungkin Squad sudah ada yang punya ya. Bank Card merupakan kartu yang dikeluarkan bank bagi nasabahnya sebagai alat pembayaran. Ada beberapa kartu yang diterbitkan oleh bank, seperti kartu kredit, kartu debit, dan kartu uang elektronik (e-money card)
Apakah cuma itu saja produk-produk bank? Eits… bukan cuma itu, ternyata jenis produk perbankan itu ada yang terbagi dua loh, Squad. Ada kredit pasif dan kredit aktif. Kredit pasif merupakan aliran dana dari masyarakat yang masuk ke bank, sedangkan kredit aktif ialah dana yang digunakan masyarakat untuk kegiatan produktif. Sekarang kita bahas satu per satu ya.
Baca Juga: Pengertian Fungsi, Jenis, dan Syarat Uang
Produk Perbankan Kredit Pasif
1. Simpanan/Tabungan
Kalau kamu punya kartu ATM, pasti punya buku tabungan dong. Nah, simpanan ini bisa ditarik melalui ATM, buku tabungan, atau slip penarikan. Oh iya, simpanan/tabungan ini juga memiliki tingkat bunga/bagi hasil yang telah ditetapkan oleh pihak bank.
2. Giro
Giro merupakan simpanan yang penarikannya itu bisa dilakukan setiap saat. Tidak menggunakan kartu ATM atau buku tabungan ya, Squad. Penarikannya menggunakan cek atau bilyet giro. Simpanan giro ini memiliki bunga yang lebih rendah.
3. Deposito
Deposito merupakan simpanan berjangka dengan syarat waktu tertentu seperti 3 bulan, 6 bulan, 1 tahun, dan seterusnya. Perlu kamu ingat nih Squad, nasabah tidak dapat menarik uang yang didepositokan dari bank sebelum masa jatuh tempo.
Deposito juga terbagi menjadi dua nih Squad
a. Deposito on call
Deposito on call merupakan simpanan berjangka waktu antara 3 sampai 30 hari. Jumlah uang yang disimpan biasanya relatif besar dan besar bunga yang dibayarkan dihitung per bulan dan besar bunga ditentukan dengan negosiasi antara nasabah dengan pihak bank.
b. Deposito automatic roll over (ARO)
Deposito ARO ini bentuk lain dari deposito berjangka yang sudah jatuh tempo tapi deposan (nasabah pemilik deposito) belum mengambilnya. Kemudian, bank secara otomatis melakukan perpanjangan waktu tanpa menunggu persetujuan deposan.
Produk Perbankan Kredit Aktif
a. Kredit rekening koran
Kredit rekening koran merupakan kredit yang diberikan kepada nasabah dalam bentuk mutasi (pemindahbukuan) kepada rekening nasabah.
b. Kredit reimburs (Letter of Credit)
Kredit reimburs merupakan pinjaman yang diberikan ke nasabah atas pembelian sejumlah barang dan yang membayar adalah bank. Kredit ini merupakan jasa bank yang ditujukan untuk memudahkan pelayanan arus barang ekspor atau impor.
c. Kredit aksep
Kredit aksep merupakan pinjaman dengan mengeluarkan wesel yang bisa diperdagangkan.
d. Kredit dokumenter
Kredit dokumenter ini merupakan kredit yang diberikan setelah nasabah menyerahkan dokumen pengiriman barang yang sudah disetujui kapten kapal yang mengangkut barang tersebut.
e. Kredit dengan jaminan surat berharga
Kredit jaminan surat berharga diberikan dengan membeli surat-surat berharga kepada nasabah dan sekaligus surat-surat berharga tersebut sebagai jaminannya.
Sekarang Squad sudah paham kan macam-macam produk bank yang ada itu apa saja? Nah, untuk menguji sejauh mana pemahaman kamu, coba daftar di ruanguji deh. Di ruanguji kamu bisa ikut tryout online secara gratis lho. Coba sekarang yuk!
Referensi:
Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.
Sumber Foto:
Foto ‘Ilustrasi Transfer Uang’ [daring] Tautan: https://financialmoneytips.com/how-to-choose-an-online-money-transfer-service/
Foto ‘Safe Deposit Box’ [daring] Tautan: https://www.scmp.com/news/hong-kong/article/1287259/safety-deposit-box-shortage-hong-kong-banks-sees-rise-home-safe-sales
Artikel ini diperbarui pada 1 Desember 2020.
<!DOCTYPE html>
<html lang="en-US">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1">
<meta author="viewport" content="Ruangguru Tech Team">
<title>Macam-Macam Produk Bank | Ekonomi Kelas 10</title>
<link rel="shortcut icon" href="https://cdn-web-2.ruangguru.com/homepage-web/public/assets/icons/favicon.id.ico" type="image/x-icon" />
<!-- <link rel="profile" href="https://gmpg.org/xfn/11"> -->
<link rel="pingback" href="https://www.ruangguru.com/blog/xmlrpc.php">
<link rel="preconnect" href="https://fonts.googleapis.com">
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Inter:wght@400;600;700&display=swap" rel="stylesheet">
<link rel="stylesheet" href="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/css/bootstrap.min.css">
<link rel="stylesheet" href="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/css/style.css">
<script src="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/js/jquery-3.6.3.min.js"></script>
<script src="https://cdnjs.cloudflare.com/ajax/libs/popper.js/1.16.0/umd/popper.min.js"></script>
<script src="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/js/bootstrap.min.js"></script>
<script src="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/js/main.js"></script>
<script src="https://www.ruangguru.com/blog/wp-content/themes/ruangguru/js/side-banner.js"></script>
<!-- Google Tag Manager -->
<meta name="google-site-verification" content="VJAn1g6wmtTZPpTXh-B4xoSFEkUi5jcV74xQSr6jnOM" />
<!-- <script>
document.querySelector('meta[name="author"]').setAttribute("content", "Ruangguru Tech Team");
</script> -->
<meta name="publisher" content="PT Ruang Raya Indonesia">
<!-- Google Tag Manager -->
<script>
(function(w, d, s, l, i) {
w[l] = w[l] || [];
w[l].push({
'gtm.start': new Date().getTime(),
event: 'gtm.js'
});
var f = d.getElementsByTagName(s)[0],
j = d.createElement(s),
dl = l != 'dataLayer' ? '&l=' + l : '';
j.async = true;
j.src =
'https://www.googletagmanager.com/gtm.js?id=' + i + dl;
f.parentNode.insertBefore(j, f);
})(window, document, 'script', 'dataLayer', 'GTM-PVNLZFT');
</script>
<!-- End Google Tag Manager -->
<meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' />
<style>img:is([sizes="auto" i], [sizes^="auto," i]) { contain-intrinsic-size: 3000px 1500px }</style>
<!-- This site is optimized with the Yoast SEO plugin v25.9 - https://yoast.com/wordpress/plugins/seo/ -->
<meta name="description" content="Pernah belanja di toko online gak, Squad? Kalau kamu pernah, berarti sudah tahu dong ya cara pembayaran di toko online? Rata-rata, kalau kamu belanja" />
<link rel="canonical" href="https://www.ruangguru.com/blog/macam-macam-produk-bank" />
<meta property="og:locale" content="en_US" />
<meta property="og:type" content="article" />
<meta property="og:title" content="Macam-Macam Produk Bank | Ekonomi Kelas 10" />
<meta property="og:description" content="Pernah belanja di toko online gak, Squad? Kalau kamu pernah, berarti sudah tahu dong ya cara pembayaran di toko online? Rata-rata, kalau kamu belanja" />
<meta property="og:url" content="https://www.ruangguru.com/blog/macam-macam-produk-bank" />
<meta property="og:site_name" content="Belajar Gratis di Rumah Kapan Pun! | Blog Ruangguru" />
<meta property="article:publisher" content="https://www.facebook.com/ruanggurucom/" />
<meta property="article:published_time" content="2018-04-06T02:45:02+00:00" />
<meta property="article:modified_time" content="2023-12-04T03:39:29+00:00" />
<meta name="author" content="Tedy Rizkha Heryansyah" />
<meta name="twitter:card" content="summary_large_image" />
<meta name="twitter:creator" content="@ruangguru" />
<meta name="twitter:site" content="@ruangguru" />
<meta name="twitter:label1" content="Written by" />
<meta name="twitter:data1" content="Tedy Rizkha Heryansyah" />
<meta name="twitter:label2" content="Est. reading time" />
<meta name="twitter:data2" content="4 minutes" />
<script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank","url":"https://www.ruangguru.com/blog/macam-macam-produk-bank","name":"Macam-Macam Produk Bank | Ekonomi Kelas 10","isPartOf":{"@id":"https://www.ruangguru.com/blog/#website"},"primaryImageOfPage":{"@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank#primaryimage"},"image":{"@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank#primaryimage"},"thumbnailUrl":"https://cdn-web.ruangguru.com/landing-pages/assets/hs/Header%20blog%20RG/Ekonomi_10.jpg","datePublished":"2018-04-06T02:45:02+00:00","dateModified":"2023-12-04T03:39:29+00:00","author":{"@id":"https://www.ruangguru.com/blog/#/schema/person/b6487dbd67e3fd331419af62ec824ad2"},"description":"Pernah belanja di toko online gak, Squad? Kalau kamu pernah, berarti sudah tahu dong ya cara pembayaran di toko online? Rata-rata, kalau kamu belanja","breadcrumb":{"@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://www.ruangguru.com/blog/macam-macam-produk-bank"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank#primaryimage","url":"https://cdn-web.ruangguru.com/landing-pages/assets/hs/Header%20blog%20RG/Ekonomi_10.jpg","contentUrl":"https://cdn-web.ruangguru.com/landing-pages/assets/hs/Header%20blog%20RG/Ekonomi_10.jpg"},{"@type":"BreadcrumbList","@id":"https://www.ruangguru.com/blog/macam-macam-produk-bank#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.ruangguru.com/blog"},{"@type":"ListItem","position":2,"name":"Macam-Macam Produk Bank | Ekonomi Kelas 10"}]},{"@type":"WebSite","@id":"https://www.ruangguru.com/blog/#website","url":"https://www.ruangguru.com/blog/","name":"Ruangguru Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://www.ruangguru.com/blog/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https://www.ruangguru.com/blog/#/schema/person/b6487dbd67e3fd331419af62ec824ad2","name":"Tedy Rizkha Heryansyah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://www.ruangguru.com/blog/#/schema/person/image/","url":"https://secure.gravatar.com/avatar/?s=96&d=mm&r=g","contentUrl":"https://secure.gravatar.com/avatar/?s=96&d=mm&r=g","caption":"Tedy Rizkha Heryansyah"},"url":"https://www.ruangguru.com/blog/author/tedy-rizkha-heryansyah"}]}</script>
<!-- / Yoast SEO plugin. -->
<link rel="alternate" type="application/rss+xml" title="Belajar Gratis di Rumah Kapan Pun! | Blog Ruangguru » Macam-Macam Produk Bank | Ekonomi Kelas 10 Comments Feed" href="https://www.ruangguru.com/blog/macam-macam-produk-bank/feed" />
<script type="text/javascript">
/* <![CDATA[ */
window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/www.ruangguru.com\/blog\/wp-includes\/js\/wp-emoji-release.min.js?ver=6.8.1"}};
/*! This file is auto-generated */
!function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83d\udc26\u200d\ud83d\udd25","\ud83d\udc26\u200b\ud83d\udd25")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings);
/* ]]> */
</script>
<style id='wp-emoji-styles-inline-css' type='text/css'>
img.wp-smiley, img.emoji {
display: inline !important;
border: none !important;
box-shadow: none !important;
height: 1em !important;
width: 1em !important;
margin: 0 0.07em !important;
vertical-align: -0.1em !important;
background: none !important;
padding: 0 !important;
}
</style>
<link rel='stylesheet' id='wp-block-library-css' href='https://www.ruangguru.com/blog/wp-includes/css/dist/block-library/style.min.css?ver=6.8.1' type='text/css' media='all' />
<style id='classic-theme-styles-inline-css' type='text/css'>
/*! This file is auto-generated */
.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}
</style>
<style id='global-styles-inline-css' type='text/css'>
:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}
:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}
:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}
</style>
<link rel="https://api.w.org/" href="https://www.ruangguru.com/blog/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.ruangguru.com/blog/wp-json/wp/v2/posts/10210" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.ruangguru.com/blog/xmlrpc.php?rsd" />
<meta name="generator" content="WordPress 6.8.1" />
<link rel='shortlink' href='https://www.ruangguru.com/blog/?p=10210' />
<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://www.ruangguru.com/blog/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.ruangguru.com%2Fblog%2Fmacam-macam-produk-bank" />
<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://www.ruangguru.com/blog/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.ruangguru.com%2Fblog%2Fmacam-macam-produk-bank&format=xml" />
</head>
<body class="wp-singular post-template-default single single-post postid-10210 single-format-standard wp-theme-ruangguru">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-M28L4XJ" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->
<header class="header">
<div class="container">
<nav class="navbar navbar-expand-lg header-inner">
<div style="display:flex; gap:12px;">
<button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#navbarSupportedContent" aria-controls="navbarSupportedContent" aria-expanded="false" aria-label="Toggle navigation">
<img alt="menu" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/beba4a70-3971-41be-9364-f9ee6857b192.svg" loading="lazy" width="30px" height="32px" />
</button>
<a href="https://ruangguru.com" class="header-logo">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com/static/logo-ruangguru.png" alt="Logo">
</a>
</div>
<form class="form-inline my-2 my-lg-0" role="search" method="get" id="searchformmobile" class="searchform" action="https://www.ruangguru.com/blog/">
<div>
<label class="screen-reader-text" for="s">Search for:</label>
<div class="input-group input-group-sm">
<span class="input-group-text" id="search-2"><img width="20px" height="20px" loading="lazy" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/baf38d7b-226b-4374-8b2b-e49766395871.png" alt="" /></span>
<input type="text" value="" name="s" class="form-control" placeholder="Cari artikel di sini!" aria-label="Cari artikel di sini!" aria-describedby="Cari artikel di sini!">
</div>
</div>
</form>
<div class="collapse navbar-collapse dropdown-hover-all" id="navbarSupportedContent">
<div class="d-lg-none navbar-head-collapse">
<a href="https://ruangguru.com" class="header-logo">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com/static/logo-ruangguru.png" alt="Logo">
</a>
<button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#navbarSupportedContent" aria-controls="navbarSupportedContent" aria-expanded="false" aria-label="Toggle navigation">
X
</button>
</div>
<ul class="navbar-nav me-auto mb-2 mb-lg-0">
<li class="nav-item">
<a class="nav-link" href="https://www.ruangguru.com/blog/">Blog</a>
</li>
<li class="nav-item
dropdown dropdown-hover">
<p class="nav-link dropdown-toggle" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
Konsep & Tips Pelajaran </p>
<div class="dropdown-menu" aria-labelledby="nav1">
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu0" href="https://www.ruangguru.com/blog/c/bahasa-indonesia" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Bahasa Indonesia</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu0">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sd-kelas-4">Kelas 4</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sd-kelas-5">Kelas 5</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sd-kelas-6">Kelas 6</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-indonesia/bahasa-indonesia-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu1" href="https://www.ruangguru.com/blog/c/bahasa-inggris" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Bahasa Inggris</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu1">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-sd-kelas-6">Kelas 6</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/bahasa-inggris/bahasa-inggris-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu2" href="https://www.ruangguru.com/blog/c/biologi" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Biologi</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu2">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/biologi/biologi-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu3" href="https://www.ruangguru.com/blog/c/ekonomi" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Ekonomi</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu3">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu4" href="https://www.ruangguru.com/blog/c/fisika" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Fisika</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu4">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/fisika/fisika-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu5" href="https://www.ruangguru.com/blog/c/geografi" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Geografi</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu5">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/geografi/geografi-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu6" href="https://www.ruangguru.com/blog/c/ipa-terpadu" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">IPA Terpadu</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu6">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ipa-terpadu/ipa-terpadu-sd-kelas-4">Kelas 4</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ipa-terpadu/ipa-terpadu-sd-kelas-5">Kelas 5</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ipa-terpadu/ipa-terpadu-sd-kelas-6">Kelas 6</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu7" href="https://www.ruangguru.com/blog/c/ips-terpadu" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">IPS Terpadu</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu7">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ips-terpadu/ips-terpadu-sd-kelas-4">Kelas 4</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ips-terpadu/ips-terpadu-sd-kelas-5">Kelas 5</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/ips-terpadu/ips-terpadu-sd-kelas-6">Kelas 6</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu8" href="https://www.ruangguru.com/blog/c/kimia" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Kimia</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu8">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/kimia/kimia-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/kimia/kimia-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/kimia/kimia-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu9" href="https://www.ruangguru.com/blog/c/matematika" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Matematika</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu9">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sd-kelas-4">Kelas 4</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sd-kelas-5">Kelas 5</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sd-kelas-6">Kelas 6</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/matematika/matematika-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu10" href="https://www.ruangguru.com/blog/c/sejarah" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Sejarah</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu10">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sejarah/sejarah-sma-kelas-12">Kelas 12</a>
</div>
</div>
<div class="dropdown dropend">
<a class="dropdown-item dropdown-toggle" id="nav1-menu11" href="https://www.ruangguru.com/blog/c/sosiologi" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">Sosiologi</a>
<div class="dropdown-menu" aria-labelledby="nav1-menu11">
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-smp-kelas-7">Kelas 7</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-smp-kelas-8">Kelas 8</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-smp-kelas-9">Kelas 9</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-sma-kelas-10">Kelas 10</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-sma-kelas-11">Kelas 11</a>
<a class="dropdown-item" href="https://www.ruangguru.com/blog/c/sosiologi/sosiologi-sma-kelas-12">Kelas 12</a>
</div>
</div>
</div>
</li>
<li class="nav-item
dropdown dropdown-hover">
<p class="nav-link dropdown-toggle" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
Latihan Soal </p>
<div class="dropdown-menu" aria-labelledby="nav2">
<a class="dropdown-item" id="nav2-menu0" href="https://www.ruangguru.com/blog/c/latihan-soal/sd-kelas-4">Latihan Soal Kelas 4</a>
<a class="dropdown-item" id="nav2-menu1" href="https://www.ruangguru.com/blog/c/latihan-soal/sd-kelas-5">Latihan Soal Kelas 5</a>
<a class="dropdown-item" id="nav2-menu2" href="https://www.ruangguru.com/blog/c/latihan-soal/sd-kelas-6">Latihan Soal Kelas 6</a>
<a class="dropdown-item" id="nav2-menu3" href="https://www.ruangguru.com/blog/c/latihan-soal/smp-kelas-7">Latihan Soal Kelas 7</a>
<a class="dropdown-item" id="nav2-menu4" href="https://www.ruangguru.com/blog/c/latihan-soal/smp-kelas-8">Latihan Soal Kelas 8</a>
<a class="dropdown-item" id="nav2-menu5" href="https://www.ruangguru.com/blog/c/latihan-soal/smp-kelas-9">Latihan Soal Kelas 9</a>
<a class="dropdown-item" id="nav2-menu6" href="https://www.ruangguru.com/blog/c/latihan-soal/sma-kelas-10">Latihan Soal Kelas 10</a>
<a class="dropdown-item" id="nav2-menu7" href="https://www.ruangguru.com/blog/c/latihan-soal/sma-kelas-11">Latihan Soal Kelas 11</a>
<a class="dropdown-item" id="nav2-menu8" href="https://www.ruangguru.com/blog/c/latihan-soal/sma-kelas-12">Latihan Soal Kelas 12</a>
</div>
</li>
<li class="nav-item
dropdown dropdown-hover">
<p class="nav-link dropdown-toggle" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
Pojok Kampus </p>
<div class="dropdown-menu" aria-labelledby="nav3">
<a class="dropdown-item" id="nav3-menu0" href="https://www.ruangguru.com/blog/c/info-beasiswa">Info Beasiswa</a>
<a class="dropdown-item" id="nav3-menu1" href="https://www.ruangguru.com/blog/c/kampus-dan-jurusan">Kampus dan Jurusan</a>
<a class="dropdown-item" id="nav3-menu2" href="https://www.ruangguru.com/blog/c/seleksi-masuk">Seleksi Masuk</a>
</div>
</li>
<li class="nav-item
">
<a class="nav-link
" href=" https://www.ruangguru.com/blog/c/fakta-seru" id="nav4"
>
Fakta Seru </a>
</li>
<li class="nav-item
dropdown dropdown-hover">
<p class="nav-link dropdown-toggle" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
Dunia Kata </p>
<div class="dropdown-menu" aria-labelledby="nav5">
<a class="dropdown-item" id="nav5-menu0" href="https://www.ruangguru.com/blog/tag/cerpen">Cerpen</a>
<a class="dropdown-item" id="nav5-menu1" href="https://www.ruangguru.com/blog/tag/resensi-buku">Resensi Buku</a>
</div>
</li>
<li class="nav-item
">
<a class="nav-link
" href=" https://www.ruangguru.com/blog/tag/for-kids" id="nav6"
>
For Kids </a>
</li>
<li class="nav-item
dropdown dropdown-hover">
<p class="nav-link dropdown-toggle" data-bs-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
Seputar Ruangguru </p>
<div class="dropdown-menu" aria-labelledby="nav7">
<a class="dropdown-item" id="nav7-menu0" href="https://www.ruangguru.com/blog/tag/info-ruangguru">Info Ruangguru</a>
<a class="dropdown-item" id="nav7-menu1" href="https://www.ruangguru.com/blog/tag/siaran-pers">Siaran Pers</a>
<a class="dropdown-item" id="nav7-menu2" href="https://www.ruangguru.com/blog/tag/cerita-juara">Cerita Juara</a>
<a class="dropdown-item" id="nav7-menu3" href="https://www.ruangguru.com/blog/tag/seputar-guru">Seputar Guru</a>
<a class="dropdown-item" id="nav7-menu4" href="https://www.ruangguru.com/blog/tag/lifeatruangguru">Life at Ruangguru</a>
</div>
</li>
</ul>
<form class="form-inline my-2 my-lg-0" role="search" method="get" id="searchform" class="searchform" action="https://www.ruangguru.com/blog/">
<div>
<label class="screen-reader-text" for="s">Search for:</label>
<div class="input-group input-group-sm">
<span class="input-group-text" id="search-2"><img width="10" height="10" loading="lazy" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/baf38d7b-226b-4374-8b2b-e49766395871.png" alt="" /></span>
<input type="text" value="" name="s" class="form-control" placeholder="Cari artikel di sini!" aria-label="Cari artikel di sini!" aria-describedby="Cari artikel di sini!">
</div>
</div>
</form>
</div>
</nav>
<script>
(function($bs) {
const CLASS_NAME = 'has-child-dropdown-show';
$bs.Dropdown.prototype.toggle = function(_orginal) {
return function() {
document.querySelectorAll('.' + CLASS_NAME).forEach(function(e) {
e.classList.remove(CLASS_NAME);
});
let dd = this._element.closest('.dropdown').parentNode.closest('.dropdown');
for (; dd && dd !== document; dd = dd.parentNode.closest('.dropdown')) {
dd.classList.add(CLASS_NAME);
}
return _orginal.call(this);
}
}($bs.Dropdown.prototype.toggle);
document.querySelectorAll('.dropdown').forEach(function(dd) {
dd.addEventListener('hide.bs.dropdown', function(e) {
if (this.classList.contains(CLASS_NAME)) {
this.classList.remove(CLASS_NAME);
e.preventDefault();
}
e.stopPropagation(); // do not need pop in multi level mode
});
});
// for hover
document.querySelectorAll('.dropdown-hover, .dropdown-hover-all .dropdown').forEach(function(dd) {
dd.addEventListener('mouseenter', function(e) {
let toggle = e.target.querySelector(':scope>[data-bs-toggle="dropdown"]');
if (!toggle.classList.contains('show')) {
$bs.Dropdown.getOrCreateInstance(toggle).toggle();
dd.classList.add(CLASS_NAME);
$bs.Dropdown.clearMenus(e);
}
});
dd.addEventListener('mouseleave', function(e) {
let toggle = e.target.querySelector(':scope>[data-bs-toggle="dropdown"]');
if (toggle.classList.contains('show')) {
$bs.Dropdown.getOrCreateInstance(toggle).toggle();
}
});
});
})(bootstrap);
$(document).ready(() => {
if ($(window).width() > 991) {
$("a[data-bs-toggle='dropdown']").click(function() {
window.location = $(this).attr('href');
});
}
})
</script>
</div>
</header>
<div class="main-content">
<div class="side-banner-mobile">
</div>
<div class="glider-navigation mobile">
<div role="tablist" class="dots" id="side-banner-mobile-dots"></div>
<div class="glider-button-navigation">
<button aria-label="Previous" class="glider-prev" id="side-banner-mobile-prev"><img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/412de767-9fab-4a4e-9a21-09b7ac9c5f96.png"></button>
<button aria-label="Next" class="glider-next" id="side-banner-mobile-next">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/754b0134-4f20-4cdd-af8c-d5918044d734.png">
</button>
</div>
</div>
<div class="container">
<div class="row">
<div class="col-md-8 post">
<div class="content">
<nav aria-label="breadcrumb">
<ol class="breadcrumb">
<!-- Home Link -->
<li class="breadcrumb-item"><a href="https://www.ruangguru.com/blog">Home</a></li>
<!-- Categories -->
<li class="breadcrumb-item"><a href="https://www.ruangguru.com/blog/c/ekonomi">Ekonomi</a></li><li class="breadcrumb-item"><a href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-10">Ekonomi SMA Kelas 10</a></li> </ol>
</nav>
<h1 class="content-title">
Macam-Macam Produk Bank | Ekonomi Kelas 10 </h1>
<div class="content-meta">
<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>April 6, 2018 • </span> <span>4 minutes read</span></p>
<br />
</div>
<div class="content-body">
<p><img fetchpriority="high" decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Header%20blog%20RG/Ekonomi_10.jpg" alt="Ekonomi_10" width="821" height="410" style="width: 821px; display: block; margin-left: auto; margin-right: auto;"></p>
<p style="text-align: justify;"><span style="color: #000000;">Pernah belanja di toko <em>online gak</em>, Squad? Kalau kamu pernah, berarti sudah tahu <em>dong</em> ya cara pembayaran di toko <em>online</em>? Rata-rata, kalau kamu belanja secara <em>online</em> itu pasti pembayarannya lewat bank. Ada yang pakai transfer, ada yang lewat kartu kredit, dan lain-lain. Semua yang itu ialah macam-macam produk bank. Apa saja sih yang termasuk produk bank tersebut? Simak artikel berikut ya.</span></p>
<p><span style="color: #000000;"><span id="more-10210"></span></span></p>
<div><span style="color: #000000;"><img decoding="async" src="https://lh6.googleusercontent.com/nkyoZc8EjW8AR3K3OB4uoTiM5Cbz1pK5J3vQDOeX05zHEL7knMyD8LM7kg0zFH9G3zeSET9qEgit3LR2HD5NS-8f5ArA5MYMkJ6Q7z5pf1BQiP_vDpcDao7ASgZEZlPKbHP7QJeP" alt="animasi transfer macam-macam produk bank" style="display: block; margin-left: auto; margin-right: auto;"></span></div>
<p style="text-align: center;"><span style="color: #000000;">(sumber: financialmoneytips.com)</span></p>
<p style="text-align: justify;"><span style="color: #000000;">Begini Squad, produk- produk bank itu terbagi menjadi 4 ya. Ada, kredit, transfer, <em>Safe Deposit Box (SDB)</em>, dan <em>Bank Card</em>. Kita bahas satu per satu ya.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>1. Kredit</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit</strong> merupakan <strong>dana yang sudah ditarik dari masyarakat</strong> yang kemudian<strong> disalurkan kembali kepada masyarakat dalam bentuk pinjaman</strong>. Pasti <em>nggak</em> asing <em>dong</em> mendengar kata kredit? Yaaa, seperti orangtua kamu ingin membeli kendaraan ada pilihan tipe pembayaran mau tunai (<em>cash</em>) atau dengan kredit (cicil).</span></p>
<p style="text-align: justify;"><span style="color: #000000;"><em>Eh</em> tapi <em>nggak</em> sembarangan loh bank mau memberikan fasilitas kredit. Ada 5 prinsip dalam analisis kredit. Apa saja itu?</span></p>
<div><span style="color: #000000;"><img decoding="async" src="https://lh4.googleusercontent.com/8CJx4mrZ8DEk8XQjPmXnHSScNnSpVzWkjTB-41ZKv3Apo1gbkEepuSjwH0WxzQx4vAqDGX2--LNYtts2s7Gmd35PCqeVwykqfPsqapIJZBO7ziOzZTLWdTWu4q5RoVAdONGZbUhw" alt="prinsip analisis kredit macam-macam produk bank" width="600" height="338.08290155440415" style="width: 600px; display: block; margin: 0px auto;"></span></div>
<p style="text-align: justify;"><span style="color: #008000;"><strong>2. Transfer</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;">Kalau kalian sering berbelanja simak <a href="https://blog.skillacademy.com/mengurangi-kebiasaan-konsumtif-dan-impulsif-belanja-online" rel="noopener" target="_blank" style="font-weight: bold;">tips belanja online</a> agar selalu aman dan pasti <em>udah</em> <em>nggak</em> asing sama produk bank yang satu ini. <strong>Transfer itu jasa bank</strong> yang memberikan <strong>layanan pengiriman uang</strong> antarrekening maupun antarbank atas <strong>permintaan nasabah kepada penerima</strong> di tempat lain.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>3. <em>Safe Deposit Box</em> (SDB)</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;">Pernah mendengar <strong>Safe Deposit Box</strong> (SDB)? Produk ini memang <em>nggak</em> terlalu familiar di telinga kita ya Squad. SDB ini merupakan jasa yang ditawarkan kepada nasabah dalam bentuk<strong> penyewaan kotak penyimpanan harta atau surat berharga</strong>. Bentuk SDB itu seperti ini ya Squad.</span></p>
<div><span style="color: #000000;"><img decoding="async" src="https://lh3.googleusercontent.com/yLOyyiEhlz20XuU_oxqWc_ukf89TT4ZdEDZI76c0E9-bhAOvkS07FXMBgI-uRsufRC2YIe6fPiAO_wgc1lYskNpPDV1j3_ZPs2AGf6uNeB36V2SrvPzkdGod6WwUB46q_8fi47NK" alt="safe deposit box macam-macam produk bank" width="600" height="342.4" style="width: 600px; display: block; margin: 0px auto;"></span></div>
<p style="text-align: center;"><span style="color: #000000;"><em>Safe Deposit Box</em> disediakan oleh bank, bisa digunakan untuk menyimpan emas atau surat-surat berharga. </span><span style="background-color: transparent;">(sumber: scmp.com)</span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>4. <em>Bank Card</em></strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;">Kalau ini mungkin Squad sudah ada yang punya ya. <strong>Bank Card merupakan kartu</strong> yang dikeluarkan bank bagi nasabahnya sebagai <strong>alat pembayaran</strong>. Ada beberapa kartu yang diterbitkan oleh bank, seperti kartu kredit, kartu debit, dan kartu uang elektronik (<em>e-money card</em>)</span></p>
<p style="text-align: justify;"><span style="color: #000000;">Apakah cuma itu saja produk-produk bank? <em>Eits… </em>bukan cuma itu, ternyata jenis produk perbankan itu ada yang terbagi dua <em>loh</em>, Squad. Ada kredit pasif dan kredit aktif. <strong>Kredit pasif</strong> merupakan <strong>aliran dana dari masyarakat yang masuk ke bank</strong>, sedangkan <strong>kredit aktif i</strong>alah <strong>dana yang digunakan masyarakat untuk kegiatan produktif</strong>. Sekarang kita bahas satu per satu ya.</span></p>
<p style="text-align: justify;"><strong><span style="color: #000000;">Baca Juga: <a href="/pengertian-fungsi-jenis-dan-syarat-uang" rel="noopener" target="_blank">Pengertian Fungsi, Jenis, dan Syarat Uang</a></span></strong></p>
<p style="text-align: justify;"><span style="color: #0000ff;"><strong>Produk Perbankan Kredit Pasif</strong></span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>1. Simpanan/Tabungan</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;">Kalau kamu punya kartu ATM, pasti punya buku tabungan <em>dong</em>. <em>Nah</em>, simpanan ini bisa ditarik melalui ATM, buku tabungan, atau slip penarikan. Oh iya, <strong>simpanan/tabungan</strong> ini juga <strong>memiliki tingkat bunga/bagi hasil</strong> yang telah ditetapkan oleh pihak bank.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>2. Giro</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Giro</strong> merupakan simpanan yang <strong>penarikannya itu bisa dilakukan setiap saat</strong>. Tidak menggunakan kartu ATM atau buku tabungan ya, Squad. <strong>Penarikannya menggunakan cek atau bilyet giro</strong>. Simpanan giro ini memiliki bunga yang lebih rendah.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>3. Deposito</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Deposito</strong> merupakan <strong>simpanan berjangka</strong> dengan syarat waktu tertentu seperti 3 bulan, 6 bulan, 1 tahun, dan seterusnya. Perlu kamu ingat nih Squad, <strong>nasabah tidak dapat menarik uang yang didepositokan dari bank sebelum masa jatuh tempo</strong>.</span></p>
<p style="text-align: justify;"><span style="color: #000000;">Deposito juga terbagi menjadi dua nih Squad</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>a. Deposito <em>on call</em></strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Deposito on call</strong> merupakan <strong>simpanan berjangka waktu antara 3 sampai 30 hari</strong>. Jumlah uang yang disimpan biasanya relatif besar dan besar bunga yang dibayarkan dihitung per bulan dan besar bunga ditentukan dengan negosiasi antara nasabah dengan pihak bank.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>b. Deposito <em>automatic roll over</em> (ARO)</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Deposito ARO</strong> ini bentuk lain dari <strong>deposito berjangka yang sudah jatuh tempo</strong> tapi deposan (nasabah pemilik deposito) belum mengambilnya. Kemudian, bank secara <strong>otomatis melakukan perpanjangan waktu tanpa menunggu persetujuan deposan</strong>.</span></p>
<div><span style="color: #000000;"><img decoding="async" src="https://lh5.googleusercontent.com/IXeoDhJB3vavEYfORq_evhhd-QYrTjejg3GTJsS_KBRpLmKcJuZTVPCKgY3as55WrNySind5nTZk6MMUyJpK5Fb-elhRLpWAky7jNA7jz-87mNs82V0XVOLFUm4m0miJAFRkIgYS" alt="produk perbankan kredit pasif" width="600" height="338.08290155440415" style="width: 600px; display: block; margin: 0px auto;"></span></div>
<p style="text-align: justify;"> </p>
<p style="text-align: justify;"><span style="color: #0000ff;"><strong>Produk Perbankan Kredit Aktif</strong></span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>a. Kredit rekening koran</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit rekening koran</strong> merupakan kredit yang diberikan kepada nasabah dalam bentuk <strong>mutasi (pemindahbukuan)</strong> kepada rekening nasabah.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>b. Kredit reimburs (<em>Letter of Credit</em>)</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit reimburs</strong> merupakan pinjaman yang diberikan ke nasabah atas <strong>pembelian sejumlah barang dan yang membayar adalah bank</strong>. Kredit ini merupakan jasa bank yang ditujukan untuk <strong>memudahkan pelayanan arus barang ekspor atau impor</strong>.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>c. Kredit aksep</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit aksep</strong> merupakan <strong>pinjaman dengan mengeluarkan wesel</strong> yang bisa diperdagangkan.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>d. Kredit dokumenter</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit dokumenter</strong> ini merupakan kredit yang diberikan setelah nasabah <strong>menyerahkan dokumen pengiriman barang yang sudah disetujui kapten kapal</strong> yang mengangkut barang tersebut.</span></p>
<p style="text-align: justify;"><span style="color: #008000;"><strong>e. Kredit dengan jaminan surat berharga</strong></span></p>
<p style="text-align: justify;"><span style="color: #000000;"><strong>Kredit jaminan surat berharga</strong> diberikan dengan <strong>membeli surat-surat berharga</strong> kepada nasabah dan sekaligus <strong>surat-surat berharga tersebut sebagai jaminannya</strong>.</span></p>
<div><span style="color: #000000;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/info%20-%20macam-macam%20produk%20bank%202-1.jpg" alt="macam-macam produk bank" width="600" height="338.08290155440415" style="width: 600px; display: block; margin: 0px auto;"><br /></span></div>
<p style="text-align: justify;"><span style="color: #000000;">Sekarang Squad sudah paham <em>kan</em> macam-macam produk bank yang ada itu apa saja? <em>Nah</em>, untuk menguji sejauh mana pemahaman kamu, coba daftar di <a href="http://bit.ly/rg_app" rel="noopener" target="_blank"><strong>ruanguji</strong></a><em> deh</em>. Di ruanguji kamu bisa ikut <em>tryout online</em> secara gratis <em>lho</em>. Coba sekarang <em>yuk</em>!</span></p>
<p style="text-align: center;"><span style="color: #000000;"> <a href="https://www.ruangguru.com/ruanguji" target="_blank" style="text-align: center;" class="rg-cta" rel="noopener"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/cta/4d67385e-8dfc-4cd3-8931-2ec9d1ca1c6d.jpeg" width="820" height="200" alt="IDN CTA Blog ruanguji Ruangguru" /></a></span></p>
<p style="text-align: center;"> </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;"> </p>
<p style="text-align: left;"><strong>Sumber Foto:</strong></p>
<p style="text-align: left;">Foto ‘Ilustrasi Transfer Uang’ [daring] Tautan: https://financialmoneytips.com/how-to-choose-an-online-money-transfer-service/</p>
<p style="text-align: left;">Foto ‘Safe Deposit Box’ [daring] Tautan: https://www.scmp.com/news/hong-kong/article/1287259/safety-deposit-box-shortage-hong-kong-banks-sees-rise-home-safe-sales</p>
<p style="text-align: left;"> </p>
<p style="text-align: left;"><em>Artikel ini diperbarui pada 1 Desember 2020.</em></p>
</div>
<div class="content-meta-tags">
<a href="https://www.ruangguru.com/blog/tag/ekonomi-x" rel="tag">Ekonomi X</a> <a href="https://www.ruangguru.com/blog/tag/kelas-10" rel="tag">Kelas 10</a> <a href="https://www.ruangguru.com/blog/tag/konsep-pelajaran" rel="tag">Konsep Pelajaran</a> <a href="https://www.ruangguru.com/blog/tag/sma" rel="tag">SMA</a> </div>
</div>
<div class="author-post">
<img loading="lazy" class="author-avatar" width="64px" height="64px" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/5196bc4b-168b-4b6f-8c46-cb076ca8b451.png">
<div>
<h5 class="author-title">Tedy Rizkha Heryansyah</h5>
<p class="author-description"></p>
</div>
</div> <div class="share-post">
<p>Bagikan artikel ini:</p>
<ul class="socmed">
<li>
<a target="_blank" href="https://api.whatsapp.com/send?phone=&text=Macam-Macam Produk Bank | Ekonomi Kelas 10%0D%0A%0D%0Ahttps://www.ruangguru.com/blog/macam-macam-produk-bank"><img src="https://cdn-web-2.ruangguru.com/static/whatsapp.png" loading="lazy" alt="Logo Whatsapp " /></a>
</li>
<li>
<a target="_blank" href="https://www.facebook.com/share.php?u=https://www.ruangguru.com/blog/macam-macam-produk-bank&quote=Macam-Macam Produk Bank | Ekonomi Kelas 10"> <img src="https://cdn-web-2.ruangguru.com/static/facebook.png" loading="lazy" alt="Logo Facebook " /> </a>
</li>
<li>
<a target="_blank" href="https://twitter.com/intent/tweet?text=Macam-Macam Produk Bank | Ekonomi Kelas 10&url=https://www.ruangguru.com/blog/macam-macam-produk-bank"> <img src="https://cdn-web-2.ruangguru.com/static/twitter.png" loading="lazy" alt="Logo Twitter " /> </a>
</li>
<li>
<a target="_blank" href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.ruangguru.com/blog/macam-macam-produk-bank&title=Macam-Macam Produk Bank | Ekonomi Kelas 10"><img src="https://cdn-web-2.ruangguru.com/static/linkedin.png" loading="lazy" alt="Logo LinkedIn " /></a>
</li>
</ul>
</div>
</div>
<div class="col-md-4 sticky">
<aside id="sidebar">
<div class="side-banner-desktop">
</div>
<div class="glider-navigation desktop">
<div role="tablist" class="dots" id="side-banner-dots"></div>
<div class="glider-button-navigation">
<button aria-label="Previous" class="glider-prev" id="side-banner-prev"><img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/412de767-9fab-4a4e-9a21-09b7ac9c5f96.png"></button>
<button aria-label="Next" class="glider-next" id="side-banner-next">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/754b0134-4f20-4cdd-af8c-d5918044d734.png">
</button>
</div>
</div>
<h2 style="font-size: 24px; font-weight: bold; margin-bottom: 16px;margin-top: 16px;">Artikel Terbaru</h2>
<ul>
<li>
<a href="https://www.ruangguru.com/blog/pergerakan-nasional-indonesia">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com//landing-pages/assets/dd9f819a-e3e7-4992-b8c7-3ce436bb27f8.png" alt="Pergerakan Nasional" class="external-img wp-post-image " /> <span>Pergerakan Nasional Indonesia: Pengertian, Tujuan & Penyebabnya | Sejarah Kelas 11</span>
</a>
</li>
<li>
<a href="https://www.ruangguru.com/blog/runtuhnya-uni-soviet">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com//landing-pages/assets/b9f1448f-d581-42c3-bf06-6300fdbcd7c8.png" alt="Runtuhnya Uni Soviet" class="external-img wp-post-image " /> <span>Sejarah Runtuhnya Uni Soviet, Penyebab, dan Dampaknya | Sejarah Kelas 12</span>
</a>
</li>
<li>
<a href="https://www.ruangguru.com/blog/konflik-palestina-israel">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com//landing-pages/assets/724ad604-4b78-4c7c-9d4b-627165954c4a.png" class="external-img wp-post-image " /> <span>Latar Belakang Terjadinya Konflik Palestina dengan Israel | Sejarah Kelas 12</span>
</a>
</li>
<li>
<a href="https://www.ruangguru.com/blog/9-lembaga-dan-pelaku-pasar-modal-di-indonesia">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com//landing-pages/assets/279825ac-672b-43f9-b66e-a1c7ec87f784.png" alt="Pelaku Pasar Modal di Indonesia" class="external-img wp-post-image " /> <span>9 Lembaga dan Pelaku Pasar Modal di Indonesia | Ekonomi Kelas 10</span>
</a>
</li>
<li>
<a href="https://www.ruangguru.com/blog/peristiwa-kontemporer-dunia-perpecahan-cekoslovakia">
<img loading="lazy" src="https://cdn-web-2.ruangguru.com//landing-pages/assets/2a1a35c0-f1f5-45d4-8869-ff5083bd90e5.png" alt="Perpecahan Cekoslowakia" class="external-img wp-post-image " /> <span>Latar Belakang Perpecahan Cekoslowakia dan Penyebabnya | Sejarah Kelas 12</span>
</a>
</li>
</ul>
</aside>
</div>
</div>
<div class="row">
<div class="col-12">
<section class="related-posts">
<h2 class="page-title">
Artikel Lainnya
</h2>
<div class="content-grid">
<div class="content">
<a href="https://www.ruangguru.com/blog/pergerakan-nasional-indonesia">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/dd9f819a-e3e7-4992-b8c7-3ce436bb27f8.png?height=320&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/dd9f819a-e3e7-4992-b8c7-3ce436bb27f8.png?height=320" type="image/png">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/dd9f819a-e3e7-4992-b8c7-3ce436bb27f8.png" loading="lazy" alt="" />
</picture>
<div>
<h2 class="content-title">
Pergerakan Nasional Indonesia: Pengertian, Tujuan & Penyebabnya | Sejarah Kelas 11 </h2>
<div class="content-meta">
<span>March 6, 2026</span> <span>• 8 minutes read</span>
</div>
</div>
</a>
</div>
<div class="content">
<a href="https://www.ruangguru.com/blog/runtuhnya-uni-soviet">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/b9f1448f-d581-42c3-bf06-6300fdbcd7c8.png?height=320&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/b9f1448f-d581-42c3-bf06-6300fdbcd7c8.png?height=320" type="image/png">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/b9f1448f-d581-42c3-bf06-6300fdbcd7c8.png" loading="lazy" alt="" />
</picture>
<div>
<h2 class="content-title">
Sejarah Runtuhnya Uni Soviet, Penyebab, dan Dampaknya | Sejarah Kelas 12 </h2>
<div class="content-meta">
<span></span> <span>• 11 minutes read</span>
</div>
</div>
</a>
</div>
<div class="content">
<a href="https://www.ruangguru.com/blog/konflik-palestina-israel">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/724ad604-4b78-4c7c-9d4b-627165954c4a.png?height=320&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com//landing-pages/assets/724ad604-4b78-4c7c-9d4b-627165954c4a.png?height=320" type="image/png">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/724ad604-4b78-4c7c-9d4b-627165954c4a.png" loading="lazy" alt="" />
</picture>
<div>
<h2 class="content-title">
Latar Belakang Terjadinya Konflik Palestina dengan Israel | Sejarah Kelas 12 </h2>
<div class="content-meta">
<span>March 5, 2026</span> <span>• 5 minutes read</span>
</div>
</div>
</a>
</div>
</div>
</section> </div>
</div>
<div class="banner-product-wrapper">
<a href="https://cta.ruangguru.com/7c02db90-610d-11ee-80fe-4201ac180089" target="_blank" class="alert alert-dismissible fade show banner-product" role="alert">
<button type="button" class="btn-close" data-bs-dismiss="alert" aria-label="Close"></button>
<!-- <p>Yuk pilih kelas dan materi belajar kamu di sini</p>
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/0e292531-9ee1-4eed-92f5-b5c053eea4c2.svg" width="42px" height="42px" class="arrow-right"> -->
<img class="image-floating-bottom" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/d19eb9b6-999d-4b92-87c6-c4fb32000d73.png?convert=web" />
</a>
</div>
</div>
</div>
<script>
function sleep(ms) {
return new Promise((resolve) => setTimeout(resolve, ms));
}
async function replaceCtaMarkupAsync() {
await sleep(2000);
alert("replace")
const contentBody = document.querySelector('.content-body');
const paragraphs = contentBody.querySelectorAll('p');
const regexPattern = /{{cta\(['"](.+?)['"]\)}}/g;
paragraphs.forEach((paragraph) => {
const originalHTML = paragraph.innerHTML;
let modifiedHTML = '';
let lastIndex = 0;
for (const match of originalHTML.matchAll(regexPattern)) {
const ctaId = match[1];
modifiedHTML += originalHTML.slice(lastIndex, match.index) + `<b>${ctaId}</b>`;
lastIndex = match.index + match[0].length;
}
modifiedHTML += originalHTML.slice(lastIndex);
paragraph.innerHTML = modifiedHTML;
});
document.addEventListener("DOMContentLoaded", () => {
replaceCtaMarkupAsync();
});
}
</script>
<div class="modal fade" id="popupPromo" tabindex="-1" aria-labelledby="popupPromoLabel" aria-hidden="true">
<div class="modal-dialog modal-dialog-centered" data-bs-backdrop="static" data-bs-keyboard="false">
<div class="modal-content">
<div class="button-wrapper">
<button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
</div>
<div class="glider-contain">
<div class="glider">
<a class="" target="_blank" href="https://cta.ruangguru.com/ab-web-pop-up-banner-blog-rg">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/4680961a-4e01-4169-8ff4-da0823d0da6c.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/ab-web-pop-up-banner-blog-rg-1">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/e0ebb0c9-e368-4524-9241-dbaf73cafccd.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/rasionalisasi-popup-blog-rg">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/0ec15e92-707a-4660-8134-11f1c1e539a8.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/to-snbt-reg-2026-popup-blog-rg">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/b95e02b2-28a4-4c24-a6db-930ecddef2fa.jpg" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/pop-blog-to-snbt-prem">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/1b8558a2-ad51-4144-b30c-01a3231a22da.jpg" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/to-prem-tka-sd-smp-popup-blog-rg">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/e6888a56-1d95-4d8a-b87a-b19b8a185651.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/rgp-popup-blog-rg">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/851003e6-07b5-40d1-9068-f9b0bcb1625a.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/25f78174-4fc2-11ef-9a39-4201ac180089">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/cbe7b869-fbe2-4497-8a1e-42344df5b137.jpg" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/kitab-tka-smp-popup-blog">
<img src="https://cdn-web-2.ruangguru.com//landing-pages/assets/eb41ad00-e4dc-46f5-b9f6-721266fc371e.jpg" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/pop-rg-kitab-utbk-snbt-lite">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/f7908ac1-3b0b-492c-bf87-dcea2b20b87c.png" />
</a>
<a class="" target="_blank" href="https://cta.ruangguru.com/pop-rg-kitablitetkasmp">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/50097055-1862-46a8-bbe0-fa5b077f88bb.png" />
</a>
</div>
<div class="glider-navigation">
<div role="tablist" class="dots" id="popup-promo-dots"></div>
<div class="glider-button-navigation">
<button aria-label="Previous" class="glider-prev" id="popup-promo-prev"><img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/412de767-9fab-4a4e-9a21-09b7ac9c5f96.png"></button>
<button aria-label="Next" class="glider-next" id="popup-promo-next">
<img src="https://cdn-web-2.ruangguru.com/landing-pages/assets/754b0134-4f20-4cdd-af8c-d5918044d734.png">
</button>
</div>
</div>
</div>
</div>
</div>
</div>
<script>
var jsonString = '[{"CreatedAt":"2025-07-25 01:01:27+00:00","Id":696,"UpdatedAt":"2026-02-25 02:12:12+00:00","campaign":null,"cta":[{"Id":31467,"ctaId":"ab-web-pop-up-banner-blog-rg","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/ab-web-pop-up-banner-blog-rg)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/b9b5f501-be14-4e3f-9ad8-a87e17ec16e9.png","name":"[AB] Web Pop Up Banner - Blog RG","targetUrl":"https:\/\/bayar.ruangguru.com\/?utm-source=ab-web-pop-up-banner-blog-rg"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/4680961a-4e01-4169-8ff4-da0823d0da6c.png","name":"[RG] Popup Banner Blog - Promo SNBT Ramadan","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":1,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2025-07-25 01:01:27+00:00","Id":705,"UpdatedAt":"2026-02-23 10:52:46+00:00","campaign":null,"cta":[{"Id":33341,"ctaId":"ab-web-pop-up-banner-blog-rg-1","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/ab-web-pop-up-banner-blog-rg-1)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/f30c4943-4456-4a96-858b-fe065c9073ae.png","name":"[AB] Web Pop Up Banner - Blog RG 1","targetUrl":"https:\/\/bayar.ruangguru.com\/?utm-source=ab-web-pop-up-banner-blog-rg"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/e0ebb0c9-e368-4524-9241-dbaf73cafccd.png","name":"[RG] Popup Banner Blog - Promo TKA Ramadan","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":2,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2023-08-16 13:35:02+00:00","Id":657,"UpdatedAt":"2026-02-06 03:52:10+00:00","campaign":null,"cta":[{"Id":33189,"ctaId":"rasionalisasi-popup-blog-rg","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/rasionalisasi-popup-blog-rg)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/0ec15e92-707a-4660-8134-11f1c1e539a8.png","name":"[RG] Pop Up Blog - Rasionalisasi","targetUrl":"https:\/\/www.ruangguru.com\/rasionalisasi"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/0ec15e92-707a-4660-8134-11f1c1e539a8.png","name":"[RG] Pop Up Blog RG - Rasionalisasi","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":3,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2023-12-07 09:26:39+00:00","Id":677,"UpdatedAt":"2026-02-12 02:22:12+00:00","campaign":null,"cta":[{"Id":33305,"ctaId":"to-snbt-reg-2026-popup-blog-rg","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/to-snbt-reg-2026-popup-blog-rg)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/b95e02b2-28a4-4c24-a6db-930ecddef2fa.jpg","name":"[IDN] CTA Popup Blog RG - Tryout SNBT Regular 2026","targetUrl":"https:\/\/link.ruangguru.com\/blPk\/TOUTBKREG7"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/b95e02b2-28a4-4c24-a6db-930ecddef2fa.jpg","name":"[RG] Popup Blog RG - Tryout Regular 2026","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":4,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2026-02-05 10:16:52+00:00","Id":689,"UpdatedAt":"2026-03-05 02:41:12+00:00","campaign":null,"cta":[{"Id":33338,"ctaId":"pop-blog-to-snbt-prem","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/pop-blog-to-snbt-prem)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/1b8558a2-ad51-4144-b30c-01a3231a22da.jpg","name":"[RG] Popup Blog - TO SNBT Prem","targetUrl":"https:\/\/link.ruangguru.com\/blPk\/TOUTBKPREM"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/1b8558a2-ad51-4144-b30c-01a3231a22da.jpg","name":"[RG] Pop blog - TO SNBT Prem","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":5,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2023-12-07 09:26:39+00:00","Id":679,"UpdatedAt":"2026-03-04 03:44:16+00:00","campaign":null,"cta":[{"Id":33304,"ctaId":"to-prem-tka-sd-smp-popup-blog-rg","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/to-prem-tka-sd-smp-popup-blog-rg)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/1bf472e1-62f4-4aa9-ab8c-4fa72a82dd7b.png","name":"[RG] Pop Up Blog RG - TO Premium TKA SD SMP","targetUrl":"https:\/\/s.id\/TOTKAPREMSDSMP"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/e6888a56-1d95-4d8a-b87a-b19b8a185651.png","name":"[RG] Popup Blog RG - TO TKA Premium SD SMP","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":6,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2025-08-25 04:25:04+00:00","Id":672,"UpdatedAt":"2026-02-06 03:52:17+00:00","campaign":null,"cta":[{"Id":33285,"ctaId":"rgp-popup-blog-rg","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/rgp-popup-blog-rg)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/851003e6-07b5-40d1-9068-f9b0bcb1625a.png","name":"[RG] Pop Up Blog - RGP","targetUrl":"https:\/\/www.ruangguru.com\/privat"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/851003e6-07b5-40d1-9068-f9b0bcb1625a.png","name":"[RG] Pop Up Blog - RGP","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":7,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2023-08-16 13:35:02+00:00","Id":379,"UpdatedAt":"2026-03-06 01:54:52+00:00","campaign":null,"cta":[{"Id":31356,"ctaId":"25f78174-4fc2-11ef-9a39-4201ac180089","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/25f78174-4fc2-11ef-9a39-4201ac180089)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/f60bc49c-c00f-4a5e-80a2-2552fa18ae21.jpg","name":"CTA Blog RG - Kitab UTBK SNBT","targetUrl":"https:\/\/bit.ly\/orderkitabrg"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/cbe7b869-fbe2-4497-8a1e-42344df5b137.jpg","name":"[RG] Pop Up Blog RG - Kitab UTBK SNBT","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":8,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2023-08-16 13:35:02+00:00","Id":587,"UpdatedAt":"2026-03-06 01:55:00+00:00","campaign":null,"cta":[{"Id":33020,"ctaId":"kitab-tka-smp-popup-blog","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/kitab-tka-smp-popup-blog)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/9ea9eca7-9ef7-433c-baad-14bc1019f890.jpg","name":"[RG] Pop up blog - Kitab TKA SMP","targetUrl":"https:\/\/bit.ly\/kitabtkasmprg"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/\/landing-pages\/assets\/eb41ad00-e4dc-46f5-b9f6-721266fc371e.jpg","name":"[RG] Pop Up Blog RG - Kitab TKA SMP","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":9,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2025-11-12 10:28:45+00:00","Id":636,"UpdatedAt":"2026-02-06 03:52:20+00:00","campaign":null,"cta":[{"Id":33149,"ctaId":"pop-rg-kitab-utbk-snbt-lite","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/pop-rg-kitab-utbk-snbt-lite)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/8d6f8639-cfff-4d64-89ea-f68bfe7a868c.png","name":"[RG] Pop blog - Kitab utbk snbt lite","targetUrl":"https:\/\/s.id\/litesnbt26"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/f7908ac1-3b0b-492c-bf87-dcea2b20b87c.png","name":"[RG] Pop blog - Kitab utbk snbt lite","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":10,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"},{"CreatedAt":"2025-11-14 08:09:42+00:00","Id":647,"UpdatedAt":"2026-02-06 03:52:21+00:00","campaign":null,"cta":[{"Id":33160,"ctaId":"pop-rg-kitablitetkasmp","ctaLink":"URI::(https:\/\/cta.ruangguru.com\/pop-rg-kitablitetkasmp)","imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/20edba9b-ef84-4938-b698-4a82783478a5.png","name":"[RG] Pop blog - kitab lite tka smp","targetUrl":"https:\/\/s.id\/litetkasmp26"}],"endDate":null,"hide":0,"imageUrl":"https:\/\/cdn-web-2.ruangguru.com\/landing-pages\/assets\/50097055-1862-46a8-bbe0-fa5b077f88bb.png","name":"[RG] Pop blog - kitab lite tka smp","nc_v5ij___rg_campaign_id":null,"nc_v5ij___rg_product_id":41,"product":"ruangguru","rankPosition":11,"rg_campaign":null,"rg_product":{"Id":41,"name":"ruangguru"},"showIn":"blog","startDate":null,"type":"popup"}]';
var jsArray = JSON.parse(jsonString);
console.log(jsArray);
</script>
<script>
let windowHeight = window.innerHeight;
let promosLength = 11;
document.addEventListener('DOMContentLoaded', function() {
// Initialize Bootstrap Modal
let popupPromo = new bootstrap.Modal(document.getElementById('popupPromo'), {});
// Initialize Glider.js inside the Bootstrap Modal
function initGliderInModal() {
new Glider(document.querySelector('#popupPromo .glider'), {
slidesToScroll: 1,
slidesToShow: 1,
draggable: true,
dots: '#popup-promo-dots',
arrows: {
prev: '#popup-promo-prev',
next: '#popup-promo-next'
}
});
}
// Show Bootstrap Modal and initialize Glider.js after a specified scroll amount
const scrollThreshold = 2 / 3 * windowHeight; // The scroll amount in pixels to trigger the Modal
let gliderInitialized = false;
window.addEventListener('scroll', function() {
if (window.scrollY >= scrollThreshold && !gliderInitialized && promosLength > 0) {
popupPromo.show();
// Listen for the 'shown' event to initialize Glider.js after the Modal has been fully displayed
$('#popupPromo').on('shown.bs.modal', function() {
initGliderInModal();
gliderInitialized = true;
// Optionally, remove the 'shown' event listener after initializing the Glider to avoid re-initializing
$('#popupPromo').off('shown.bs.modal');
});
// Remove the scroll event listener after the Modal is shown to avoid re-initializing the Glider
this.removeEventListener('scroll', arguments.callee);
}
});
});
</script>
<script src="https://unpkg.com/analytics@0.8.1/dist/analytics.min.js"></script>
<script type="text/javascript" src="https://unpkg.com/analytics-plugin-trackable-min@0.4.5/dist/analytics-plugin-trackable.min.js"></script>
<script type="text/javascript" defer>
/* Initialize analytics */
var Analytics = window._analytics.init({
app: "ruangguruLanding",
debug: false,
plugins: [analyticsTrackable()],
});
/* Additional context tracker pageView */
const post_id = 10210;
const tags_id = [49,52,10,37];
const category_id = 541;
const sub_category_id = 545;
const customData = {
tags_id: tags_id,
category_id: category_id,
sub_category_id: sub_category_id,
post_id: post_id,
};
Analytics.plugins.trackable.context(JSON.stringify(customData));
Analytics.ready(function () {
Analytics.page();
});
$(document).on('click', '[data-tracking-event-type]', function (event) {
const eventType = $(this).data('tracking-event-type');
const context = $(this).data('tracking-context');
Analytics.track(eventType, context);
});
</script>
<footer class="footer">
<div class="container">
<div class="row">
<div class="col-lg-3">
<div class="office">
<a href="https://www.ruangguru.com/">
<img src="https://cdn-web-2.ruangguru.com/static/RG_LOGO_WHITE.png?convert=auto" alt="Logo Ruangguru" loading="lazy" />
</a>
<address>
<p class="hq">RUANGGURU HQ</p>
<p>
Gedung Sinarmas MSIG Tower Lt. 33. Jl. Jenderal Sudirman Kav. 21, Karet Kuningan, Setiabudi, Jakarta Selatan, Jakarta 12920
</p>
</address>
</div>
<nav class="footer-menu call-us">
<p class="title">Hubungi Kami</p>
<address>
<a href="mailto:info@ruangguru.com">
<img class="icon-call-us" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/4739a139-8f09-42ea-b517-d842c5d1c28d.png" loading="lazy" alt="Logo Email Footer" />
info@ruangguru.com</a>
<a href="tel:02130930000">
<img class="icon-call-us" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/6f4bb6c8-52c9-4acb-859b-47a10a7eec75.png" loading="lazy" alt="Logo Phone Footer" />(021) 3093 0000</a>
<a href="https://wa.me/6281574410000">
<img class="icon-call-us" src="https://cdn-web-2.ruangguru.com/file-uploader/lp/4b58468a-b2f9-40e4-867f-d3242a065dcf.png" loading="lazy" alt="Logo Whatsapp Footer" />0815 7441 0000</a>
</address>
</nav>
<nav class="footer-menu social d-none d-lg-block">
<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">
<source srcset="https://cdn-web-2.ruangguru.com/static/youtube.png?height=60" type="image/png">
<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">
<source srcset="https://cdn-web-2.ruangguru.com/static/tiktok.png?height=60" type="image/png">
<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>
<div class="col-lg-9">
<div class="row">
<div class="col-6 col-md-3">
<nav class="footer-menu">
<p class="title">Produk Ruangguru</p>
<ul type="none">
<li><a href="https://roboguru.ruangguru.com" target="_blank">Roboguru</a></li>
<li><a href="https://www.ruangguru.com/roboguruplus">Roboguru Plus</a></li>
<li><a href="https://www.ruangguru.com/dafa-lulu">Dafa dan Lulu</a></li>
<li><a href="https://www.ruangguru.com/for-kids/kursus">Kursus for Kids</a></li>
<li><a href="https://www.ruangguru.com/for-kids">Ruangguru for Kids</a></li>
<li><a href="https://www.ruangguru.com/bisnis">Ruangguru for Business</a></li>
<li><a href="https://www.ruangguru.com/ruanguji">Ruanguji</a></li>
<li><a href="https://www.ruangguru.com/blog">Ruangbaca</a></li>
<li><a href="https://www.ruangguru.com/ruangkelas">Ruangkelas</a></li>
<li><a href="https://www.ruangguru.com/ruangbelajar">Ruangbelajar</a></li>
<li><a href="https://pengajar.ruangguru.com/">Ruangpengajar</a></li>
<li><a href="https://www.ruangguru.com/privat">Ruangguru Privat</a></li>
<li><a href="https://www.ruangpeduli.org/" target="_blank">Ruangpeduli</a></li>
</ul>
</nav>
</div>
<div class="col-6 col-md-3">
<nav class="footer-menu">
<p class="title">Bantuan & Panduan</p>
<ul type="none">
<li><a href="https://www.ruangguru.com/company-credentials">Company Credentials</a></li>
<li><a href="https://www.ruangguru.com/beasiswa">Beasiswa Ruangguru</a></li>
<li><a href="https://www.ruangguru.com/cicilan">Cicilan Ruangguru</a></li>
<li><a href="https://www.ruangguru.com/promo">Promo Ruangguru</a></li>
<li><a href="https://ticketing.ruangguru.com/help?request_type_id=459" target="_blank">Vulnerability Report</a></li>
<li><a href="https://www.ruangguru.com/bantuan#layanan">Layanan Pengaduan</a></li>
<li><a href="https://www.ruangguru.com/terms-conditions">Syarat & Ketentuan</a></li>
<li><a href="https://www.ruangguru.com/privacy-policy">Kebijakan Privasi</a></li>
<li><a href="https://www.ruangguru.com/about-us">Tentang Kami</a></li>
<li><a href="https://www.ruangguru.com/contact-us">Kontak Kami</a></li>
<li><a href="https://www.ruangguru.com/press">Press Kit</a></li>
<li><a href="https://www.ruangguru.com/bantuan">Bantuan</a></li>
<li><a href="https://career.ruangguru.com/">Karier</a></li>
</ul>
</nav>
</div>
<div class="col-6 col-md-3">
<nav class="footer-menu">
<p class="title">Produk Lainnya</p>
<ul type="none">
<li><a href="https://www.brainacademy.id/" target="_blank">Brain Academy</a></li>
<li><a href="https://www.english-academy.id/" target="_blank">English Academy</a></li>
<li><a href="https://skillacademy.com/" target="_blank">Skill Academy</a></li>
<li><a href="https://www.ruangkerja.id/" target="_blank">Ruangkerja</a></li>
<li><a href="https://www.schoters.com/id/" target="_blank">Schoters</a></li>
<li><a href="https://www.kalananti.id/" target="_blank">Kalananti</a></li>
</ul>
</nav>
</div>
<div class="col-6 col-md-3">
<nav class="footer-menu">
<p class="title"> Coba GRATIS Aplikasi Ruangguru</p>
<div class="download-list">
<ul>
<li>
<a target="_blank" rel="nofollow" href="https://apps.apple.com/id/app/ruangguru-solusi-belajar/id1099742206?l=id">
<img src="https://cdn-web-2.ruangguru.com/static/appstore.png" loading="lazy" alt="Button App Store Footer " />
</a>
</li>
<li>
<a target="_blank" rel="nofollow" href="https://play.google.com/store/apps/details?id=com.ruangguru.livestudents&hl=in">
<img src="https://cdn-web-2.ruangguru.com/static/googleplay.png" loading="lazy" alt="Button Google Play Footer " />
</a>
</li>
<li>
<a target="_blank" rel="nofollow" href="https://appgallery.huawei.com/#/app/C102352375">
<img src="https://cdn-web-2.ruangguru.com/static/huawei.png" loading="lazy" alt="Button AppGallery Footer " />
</a>
</li>
</ul>
</div>
</nav>
</div>
</div>
</div>
</div>
<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">
<source srcset="https://cdn-web-2.ruangguru.com/static/youtube.png?height=60" type="image/png">
<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">
<source srcset="https://cdn-web-2.ruangguru.com/static/tiktok.png?height=60" type="image/png">
<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>