Apa sih itu kebijakan moneter? Yuk, kita bahas selengkapnya mulai dari pengertian, tujuan, jenis, dan instrumennya di artikel Ekonomi kelas 11 berikut ini.
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Kebijakan moneter itu apa sih? Hmm, kalau kamu sebelumnya sudah belajar tentang kebijakan fiskal, sekarang kita akan bahas tentang kebijakan moneter.
FYI, Indonesia sendiri sudah mengeluarkan berbagai kebijakan moneter sejak dulu dengan tujuan menyelamatkan perekonomian Indonesia. Maksudnya menyelamatkan tuh gimana ya? Nah, supaya kamu lebih paham, sekarang kita bahas selengkapnya tentang kebijakan moneter, yuk!
Baca Juga: Mengenal Kebijakan Fiskal: Pengertian, Tujuan Instrumen dan Jenisnya
Pengertian Kebijakan Moneter
Kebijakan moneter adalah kebijakan yang dilakukan oleh bank sentral untuk mengendalikan jumlah uang beredar (JUB) agar tercapai kegiatan perekonomian yang diharapkan. Siapa tuh bank sentral? Bank yang memegang peran bank sentral di Indonesia adalah Bank Indonesia (BI).
Tujuan Kebijakan Moneter
Secara umum, tujuan dari kebijakan moneter adalah untuk menstabilkan harga. Artinya, Bank Indonesia berusaha menjaga tingkat inflasi berada pada target yang ditetapkan oleh pemerintah setelah berkoordinasi dengan BI.
“Emangnya apa kak penyebab inflasi?”
Gini, inflasi itu terjadi karena jumlah uang yang beredar di suatu negara itu terlalu banyak. Akibatnya, harga barang dan jasa akan naik terus-menerus. Sebaliknya, apabila uang yang beredar terlalu sedikit bisa menyebabkan deflasi. Saat terjadi deflasi, harga barang dan jasa juga akan semakin turun.
Nah, itulah tujuan utama dari kebijakan moneter. Dengan adanya kebijakan moneter, diharapkan jumlah uang yang beredar stabil agar tingkat inflasi terkendali.
Instrumen Kebijakan Moneter
Untuk mengeluarkan suatu kebijakan moneter, terdapat instrumen-instrumen yang harus ada di dalam kebijakan tersebut. Berikut adalah lima instrumen kebijakan moneter.
1. Operasi Pasar Terbuka (Open Market Operation)
Operasi pasar terbuka adalah kebijakan yang diambil oleh bank sentral dengan cara menjual atau membeli surat berharga milik pemerintah seperti Sertifikat Bank Indonesia (BI) atau Surat Berharga Pasar Uang (SBPU).
Nah, perlu diperhatikan:
– Bila bank sentral menjual SBI, maka akan mengurangi jumlah uang beredar untuk mengatasi inflasi.
Ketika SBI dibeli oleh masyarakat, maka uang akan diterima bank sentral, akibatnya dapat mengurangi jumlah uang beredar.
– Bila bank sentral membeli SBI, maka akan menambah jumlah uang beredar untuk mengatasi defaluasi.
Ketika bank sentral akan membeli SBI, maka bank sentral akan menukarkannya dengan uang, sehingga uang yang beredar di masyarakat akan bertambah.
2. Politik Diskonto (Discount Rate Policy)
Politik diskonto atau kebijakan suku bunga adalah kebijakan bank sentral untuk menaikkan atau menurunkan tingkat suku bunga bank.
BI menetapkan suku bunga acuan yang saat ini bernama BI 7-Day Reverse Repo Rate (BI7DRR). Suku bunga inilah yang menjadi acuan bagi bank umum untuk menetapkan suku bunga tabungan dan kredit.
Perhatikan, hal-hal ini ya:
– Bila bank sentral menaikkan suku bunga akan berakibat mengurangi jumlah uang yang beredar untuk mengatasi inflasi.
Jadi, ketika suku bunga dinaikkan maka masyarakat akan lebih tertarik untuk menabung di bank, karena akan mendapatkan bunga yang lebih besar. Karena masyarakat berbondong-bondong menabung, maka uang yang bererdar akan berkurang, karena uangnya disimpan di bank.
– Bila menurunkan suku bunga maka akan menambah jumlah uang yang beredar untuk mengatasi deflasi.
Jadi, ketika suku bunga diturunkan maka masyarakat akan lebih tertarik untuk menggunakan uang karena bila ditabung hanya mendapatkan keuntungan yang sedikit.
Baca Juga: Faktor-faktor yang Memengaruhi Permintaan dan Penawaran Uang
3. Politik Cadangan Kas (Giro Wajib Minimum)
Politik cadangan kas adalah kebijakan bank sentral untuk menetapkan besarnya cadangan kas minimum yang dimiliki oleh bank umum. Nah, cadangan kas ini nggak boleh dipinjamkan ke masyarakat.
Hal yang harus diperhatikan:
– Bila bank sentral menaikkan cadangan kas maka akan mengurangi jumlah uang beredar untuk mengatasi inflasi.
Nah, akibatnya bank umum harus menahan uang lebih banyak sebagai cadangan, jumlah uang yang beredar dapat dikurangi.
– Bila menurunkan cadangan kas maka akan menambah jumlah uang beredar untuk mengatasi deflasi.
Jadi, bank umum harus mengelurakan uang lebih banyak ke masyarakat daripada menahan uang tersebut sebagai cadangan, nah karenanya jumlah uang yang beredar akan bertambah di masyarakat.
4. Kebijakan Kredit
Pengaturan syarat kredit dilakukan oleh bank sentral supaya bisa memengaruhi penyaluran kredit oleh bank umum ke masyarakat. Kebijakan kredit ini menentukan jenis-jenis pinjaman mana yang harus dikurangi dan jenis pinjaman mana yang perlu didorong. Terdapat dua jenis kredit, yaitu:
– Kredit Ketat adalah kebijakan bank sentral untuk mengurangi jumlah uang yang beredar untuk mengatasi inflasi, maksudnya adalah syarat pemberian yang ketat akan mengurangi jumlah masyarakat atau pengusaha yang bisa memperoleh kredit, karena kesulitan dalam memperoleh kredit dengan syarat-syarat yang dipersulit.
– Kredit longgar adalah kebijakan bank sentral untuk menambah jumlah uang yang beredar untuk mengatasi deflasi, maksudnya adalah syarat pemberian yang longgar akan menambah jumlah masyarakat atau pengusaha yang bisa memperoleh kredit karena kemudahan dalam memperoleh kredit dengan syarat-syarat yang dipermudah. Dengan demikian, jumlah uang yang beredar dapat ditingkatkan.
5. Kebijakan Himbauan Moral
Kebijakan himbauan moral bukanlah kebijakan yang bersifat teknis ya. Kebijakan ini dilakukan dalam bentuk pengumuman, pidato, atau edaran. BI selaku bank sentral bisa menghimbau bank umum untuk menahan atau mengurangi pinjaman.
Jenis-Jenis Kebijakan Moneter
Ada dua jenis kebijakan moneter yang bisa dilakukan. Apa saja? Ini penjelasannya.
1. Kebijakan Uang Longgar / Kebijakan Moneter Ekspansif (Easy Money Policy)
Kebijakan uang longgar adalah kebijakan menambah jumlah uang beredar (JUB) untuk mendorong pertumbuhan ekonomi. Kebijakan ini juga bisa disebut dengan kebijakan moneter ekspansif. Berikut adalah beberapa kebijakan uang longgar yang bisa dilakukan oleh bank sentral:
- BI akan membeli surat berharga dari bank umum, sehingga bank umum mempunyai dana untuk dipinjamkan ke masyarakat.
-
Suku bunga BI akan diturunkan, agar minat masyarakat menabung menurun dan semakin banyak yang meminjam uang. Akibatnya, akan semakin banyak uang yang beredar.
- BI akan menurunkan rasio cadangan kas. Makin rendah rasio cadangan kas, maka semakin besar kemampuan bank umum untuk menyalurkan kredit. Hal ini akan membuat JUB bertambah.
-
Melonggarkan kebijakan kredit agar masyarakat mudah mendapatkan pinjaman.
- Menghimbau kepada bank umum untuk menambah pemberian pinjaman.
2. Kebijakan Uang Ketat / Kebijakan Moneter Kontraktif (Tight Money Policy)
Kebijakan uang ketat adalah kebijakan mengurangi jumlah uang yang beredar untuk mengendalikan inflasi. Kebijakan ini disebut juga dengan kebijakan moneter kontraktif. Apa saja nih yang bisa dilakukan pada kebijakan uang ketat?
- BI akan menjual surat berharga kepada bank umum, sehingga bank umum harus membayar surat berharga. Hal ini berakibat pada ketersediaan dana pinjaman yang berkurang.
-
Suku bunga BI akan dinaikkan, agar masyarakat tertarik untuk menabung dan mengurangi jumlah uang beredar.
-
Politik cadangan kas dinaikkan. Makin tinggi rasio cadangan kas, maka akan semakin kecil kemampuan bank umum untuk menyalurkan kredit, sehingga JUB berkurang.
-
Kebijakan kredit diperketat atau disebut kebijakan kredit ketat. Tujuannya adalah agar tidak banyak orang bisa mendapatkan pinjaman.
- BI bisa menghimbau bank umum untuk mengurangi pemberian pinjaman.
—
Yeay! Itulah tadi penjelasan lengkap seputar kebijakan moneter, mulai dari pengertian, tujuan, instrumen, dan jenisnya. Untuk mengeluarkan suatu kebijakan moneter perlu banyak pertimbangan ya, karena berpengaruh pada perekonomian suatu negara. Nah kalau kamu ingin memelajari materi pelajaran ini lebih jauh atau ingin belajar materi ekonomi lainnya, kamu bisa nih nonton video belajar di ruangbelajar!
Referensi:
Alam S. 2014. Ekonomi untuk SMA dan MA Kelas XI. Jakarta: Erlangga
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<h1 class="content-title">
Kebijakan Moneter: Pengertian, Tujuan, Instrumen & Jenis | Ekonomi Kelas 11 </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/shabrina-alfari" class="">Shabrina Alfari</a> </p>
<p class="content-info"><span>November 10, 2025 • </span> <span>6 minutes read</span></p>
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<p style="text-align: justify;"><img decoding="async" class="size-medium aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/620eadc8-77d3-4230-a1d4-8ba81d9ed2cc.png" alt="kebijakan moneter" /></p>
<blockquote>
<p style="text-align: center;"><em>Apa sih itu kebijakan moneter? Yuk, kita bahas selengkapnya mulai dari pengertian, tujuan, jenis, dan instrumennya di <strong><a href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-11" target="_blank" rel="noopener">artikel Ekonomi kelas 11</a> </strong>berikut ini.</em></p>
</blockquote>
<p style="text-align: center;"><em>—</em></p>
<p> </p>
<p style="text-align: justify;">Kebijakan moneter itu apa sih? Hmm, kalau kamu sebelumnya sudah belajar tentang kebijakan fiskal, sekarang kita akan bahas tentang kebijakan moneter.</p>
<p style="text-align: justify;"><em><i>FYI</i></em>, Indonesia sendiri sudah mengeluarkan berbagai kebijakan moneter sejak dulu dengan tujuan menyelamatkan perekonomian Indonesia. Maksudnya menyelamatkan tuh gimana ya? Nah, supaya kamu lebih paham, sekarang kita bahas selengkapnya tentang kebijakan moneter, yuk!</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/mengenal-kebijakan-fiskal" target="_blank" rel="noopener">Mengenal Kebijakan Fiskal: Pengertian, Tujuan Instrumen dan Jenisnya</a></strong></p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Pengertian Kebijakan Moneter</span></h2>
<p style="text-align: justify;"><strong>Kebijakan moneter</strong> adalah kebijakan yang <strong>dilakukan oleh bank sentral</strong> untuk <strong>mengendalikan jumlah uang beredar (JUB)</strong> agar tercapai kegiatan perekonomian yang diharapkan. Siapa tuh bank sentral? Bank yang memegang peran bank sentral di Indonesia adalah Bank Indonesia (BI).</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Tujuan Kebijakan Moneter</span></h2>
<p style="text-align: justify;">Secara umum, tujuan dari kebijakan moneter adalah untuk menstabilkan harga. Artinya, Bank Indonesia berusaha menjaga tingkat inflasi berada pada target yang ditetapkan oleh pemerintah setelah berkoordinasi dengan BI.</p>
<p style="text-align: justify;"><em>“Emangnya apa kak penyebab inflasi?”</em></p>
<p style="text-align: justify;">Gini, inflasi itu terjadi karena jumlah uang yang beredar di suatu negara itu terlalu banyak. Akibatnya, harga barang dan jasa akan naik terus-menerus. Sebaliknya, apabila uang yang beredar terlalu sedikit bisa menyebabkan deflasi. Saat terjadi deflasi, harga barang dan jasa juga akan semakin turun.</p>
<p style="text-align: justify;">Nah, itulah tujuan utama dari kebijakan moneter. Dengan adanya kebijakan moneter, diharapkan jumlah uang yang beredar stabil agar tingkat inflasi terkendali.</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;"><strong><b>Instrumen Kebijakan Moneter</b></strong></span></h2>
<p style="text-align: justify;">Untuk mengeluarkan suatu kebijakan moneter, terdapat instrumen-instrumen yang harus ada di dalam kebijakan tersebut. Berikut adalah lima instrumen kebijakan moneter.</p>
<p><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/aa0fa164-5923-444f-918a-6966988e0ee0.png" alt="Instrumen Kebijakan Moneter" /></p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>1. Operasi Pasar Terbuka (<em>Open Market Operation</em>)</b></strong></span></h3>
<p style="text-align: justify;"><strong>Operasi pasar terbuka</strong> adalah kebijakan yang diambil oleh bank sentral dengan cara <strong>menjual atau membeli surat berharga milik pemerintah</strong> seperti Sertifikat Bank Indonesia (BI) atau Surat Berharga Pasar Uang (SBPU).</p>
<p style="text-align: justify;"><span style="background-color: transparent;">Nah<em>, </em>perlu diperhatikan:</span></p>
<p style="text-align: justify;"><strong><span style="background-color: transparent;">– Bila bank sentral menjual SBI, maka akan mengurangi jumlah uang beredar untuk mengatasi inflasi.</span></strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Ketika SBI dibeli oleh masyarakat, maka uang akan diterima bank sentral, akibatnya dapat mengurangi jumlah uang beredar. </span></p>
<p style="text-align: justify;"><strong>– Bila bank sentral membeli SBI, maka akan menambah jumlah uang beredar untuk mengatasi defaluasi.</strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Ketika bank sentral akan membeli SBI, maka bank sentral akan menukarkannya dengan uang, sehingga uang yang beredar di masyarakat akan bertambah.</span></p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>2. Politik Diskonto (<em>Discount Rate Policy</em>)</b></strong></span></h3>
<p style="text-align: justify;">Politik diskonto atau kebijakan suku bunga adalah kebijakan bank sentral untuk menaikkan atau menurunkan tingkat suku bunga bank.</p>
<p style="text-align: justify;">BI menetapkan suku bunga acuan yang saat ini bernama BI 7-<em><i>Day Reverse Repo Rate</i></em> (BI7DRR). Suku bunga inilah yang menjadi acuan bagi bank umum untuk menetapkan suku bunga tabungan dan kredit.</p>
<p style="text-align: justify;">Perhatikan, hal-hal ini ya:</p>
<p style="text-align: justify;"><strong><span style="background-color: transparent;">– Bila bank sentral menaikkan suku bunga akan berakibat mengurangi jumlah uang yang beredar untuk mengatasi inflasi.</span></strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Jadi, ketika suku bunga dinaikkan maka masyarakat akan lebih tertarik untuk menabung di bank, karena akan mendapatkan bunga yang lebih besar. Karena masyarakat b<span style="background-color: transparent;">erbondong-bondong menabung, maka uang yang bererdar akan berkurang, karena uangnya disimpan di bank.</span></span></p>
<p style="text-align: justify;"><strong><span style="background-color: transparent;">– Bila menurunkan suku bunga maka akan menambah jumlah uang yang beredar untuk mengatasi deflasi.</span></strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Jadi, ketika suku bunga diturunkan maka masyarakat akan lebih tertarik untuk menggunakan uang karena bila ditabung hanya mendapatkan keuntungan yang sedikit. </span></p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="/faktor-faktor-yang-memengaruhi-permintaan-dan-penawaran-uang.docx" target="_blank" rel="noopener">Faktor-faktor yang Memengaruhi Permintaan dan Penawaran Uang</a></strong></p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>3. Politik Cadangan Kas (Giro Wajib Minimum)</b></strong></span></h3>
<p style="text-align: justify;">Politik cadangan kas adalah kebijakan bank sentral untuk menetapkan besarnya cadangan kas minimum yang dimiliki oleh bank umum. Nah, cadangan kas ini nggak boleh dipinjamkan ke masyarakat.</p>
<p style="text-align: justify;">Hal yang harus diperhatikan:</p>
<p style="text-align: justify;"><strong><span style="background-color: transparent;">– Bila bank sentral menaikkan cadangan kas maka akan mengurangi jumlah uang beredar untuk mengatasi inflasi.</span></strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Nah<em>, </em>akibatnya bank umum harus menahan uang lebih banyak sebagai cadangan, jumlah uang yang beredar dapat dikurangi. </span></p>
<p style="text-align: justify;"><strong><span style="background-color: transparent;">– Bila menurunkan cadangan kas maka akan menambah jumlah uang beredar untuk mengatasi deflasi.</span></strong></p>
<p style="text-align: justify;"><span style="background-color: transparent;">Jadi, bank umum harus mengelurakan uang lebih banyak ke masyarakat daripada menahan uang tersebut sebagai cadangan, <em>nah</em> karenanya jumlah uang yang beredar akan bertambah di masyarakat.</span></p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>4. Kebijakan Kredit</b></strong></span></h3>
<p style="text-align: justify;">Pengaturan syarat kredit dilakukan oleh bank sentral supaya bisa memengaruhi penyaluran kredit oleh bank umum ke masyarakat. Kebijakan kredit ini menentukan <strong>jenis-jenis pinjaman mana yang harus dikurangi dan jenis pinjaman mana yang perlu didorong</strong>. Terdapat dua jenis kredit, yaitu:</p>
<p style="text-align: justify;"><span style="background-color: transparent;"><strong>– Kredit Ketat</strong> adalah kebijakan bank sentral untuk <strong>mengurangi jumlah uang yang beredar untuk mengatasi inflasi</strong>, maksudnya adalah syarat pemberian yang ketat akan mengurangi jumlah masyarakat atau pengusaha yang bisa memperoleh kredit, karena <strong>kesulitan dalam memperoleh kredit dengan syarat-syarat yang dipersulit</strong>. </span></p>
<p style="text-align: justify;"><span style="background-color: transparent;"><strong>– Kredit longgar</strong> adalah kebijakan bank sentral untuk <strong>menambah jumlah uang yang beredar untuk mengatasi deflasi</strong>, maksudnya adalah syarat pemberian yang longgar akan menambah jumlah masyarakat atau pengusaha yang bisa memperoleh kredit karena k<strong>emudahan dalam memperoleh kredit dengan syarat-syarat yang dipermudah</strong>. Dengan demikian, jumlah uang yang beredar dapat ditingkatkan.</span></p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>5. Kebijakan Himbauan Moral</b></strong></span></h3>
<p style="text-align: justify;">Kebijakan himbauan moral bukanlah kebijakan yang bersifat teknis ya. Kebijakan ini dilakukan dalam bentuk pengumuman, pidato, atau edaran. BI selaku bank sentral bisa menghimbau bank umum untuk menahan atau mengurangi pinjaman.</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;"><strong><b>Jenis-Jenis Kebijakan Moneter</b></strong></span></h2>
<p style="text-align: justify;">Ada dua jenis kebijakan moneter yang bisa dilakukan. Apa saja? Ini penjelasannya.</p>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>1. Kebijakan Uang Longgar / Kebijakan Moneter Ekspansif (<em>Easy Money Policy</em>)</b></strong></span></h3>
<p style="text-align: justify;">Kebijakan uang longgar adalah kebijakan menambah jumlah uang beredar (JUB) untuk mendorong pertumbuhan ekonomi. Kebijakan ini juga bisa disebut dengan kebijakan moneter ekspansif. Berikut adalah beberapa kebijakan uang longgar yang bisa dilakukan oleh bank sentral:</p>
<ul style="text-align: justify;">
<li>BI akan <strong><b>membeli surat berharga </b></strong>dari bank umum, sehingga bank umum mempunyai dana untuk dipinjamkan ke masyarakat.</li>
<li><b></b><strong><b>Suku bunga BI akan diturunkan</b></strong>, agar minat masyarakat menabung menurun dan semakin banyak yang meminjam uang. Akibatnya, akan semakin banyak uang yang beredar.</li>
<li>BI akan <strong><b>menurunkan rasio cadangan kas</b></strong>. Makin rendah rasio cadangan kas, maka semakin besar kemampuan bank umum untuk menyalurkan kredit. Hal ini akan membuat JUB bertambah.</li>
<li><b></b><strong><b>Melonggarkan kebijakan kredit </b></strong>agar masyarakat mudah mendapatkan pinjaman.</li>
<li>Menghimbau kepada <strong><b>bank umum untuk menambah pemberian pinjaman</b></strong>.</li>
</ul>
<p> </p>
<h3 style="text-align: justify;"><b></b><span style="font-size: 14pt;"><strong><b>2. Kebijakan Uang Ketat </b></strong></span><span style="font-size: 14pt;"><strong><b>/ Kebijakan Moneter Kontraktif </b></strong></span><span style="font-size: 14pt;"><strong><b>(<em>Tight Money Policy</em>)</b></strong></span></h3>
<p style="text-align: justify;">Kebijakan uang ketat adalah kebijakan mengurangi jumlah uang yang beredar untuk mengendalikan inflasi. Kebijakan ini disebut juga dengan kebijakan moneter kontraktif. Apa saja nih yang bisa dilakukan pada kebijakan uang ketat?</p>
<ul style="text-align: justify;">
<li>BI akan <strong><b>menjual surat berharga </b></strong>kepada bank umum, sehingga bank umum harus membayar surat berharga. Hal ini berakibat pada ketersediaan dana pinjaman yang berkurang.</li>
<li><b></b><strong><b>Suku bunga BI akan dinaikkan</b></strong>, agar masyarakat tertarik untuk menabung dan mengurangi jumlah uang beredar.</li>
<li><b></b><strong><b>Politik cadangan kas dinaikkan</b></strong>. Makin tinggi rasio cadangan kas, maka akan semakin kecil kemampuan bank umum untuk menyalurkan kredit, sehingga JUB berkurang.</li>
<li><b></b><strong><b>Kebijakan kredit diperketat </b></strong>atau disebut kebijakan kredit ketat. Tujuannya adalah agar tidak banyak orang bisa mendapatkan pinjaman.</li>
<li>BI bisa menghimbau bank umum untuk <strong><b>mengurangi pemberian pinjaman</b></strong>.</li>
</ul>
<p> </p>
<p style="text-align: center;">—</p>
<p style="text-align: justify;"><em>Yeay</em>! Itulah tadi penjelasan lengkap seputar kebijakan moneter, mulai dari pengertian, tujuan, instrumen, dan jenisnya. <span style="text-align: justify;">Untuk mengeluarkan suatu kebijakan moneter perlu banyak pertimbangan </span><em style="text-align: justify;">ya,</em><span style="text-align: justify;"> karena berpengaruh pada perekonomian suatu negara. </span><em style="text-align: justify;">Nah</em><span style="text-align: justify;"> kalau kamu ingin memelajari materi pelajaran ini lebih jauh atau ingin belajar materi ekonomi lainnya, kamu bisa nih nonton </span><strong style="text-align: justify;">video belajar</strong><span style="text-align: justify;"> di </span><strong style="text-align: justify;"><a href="http://bit.ly/rg_app" target="_blank" rel="noopener">ruangbelajar</a>!</strong></p>
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<p><strong>Referensi:</strong></p>
<p>Alam S. 2014. Ekonomi untuk SMA dan MA Kelas XI. Jakarta: Erlangga</p>
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<div class="d-lg-none text-center">
<nav class="footer-menu social">
<p class="title">Ikuti Kami</p>
<a target="_blank" href="https://www.instagram.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/instagram.png" loading="lazy" alt="Logo Instagram Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.facebook.com/ruanggurucom/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/facebook.png" loading="lazy" alt="Logo Facebook Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://twitter.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/twitter.png" loading=" lazy" alt="Logo Twitter Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.youtube.com/ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/youtube.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/youtube.png" loading=" lazy" alt="Logo Youtube Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.linkedin.com/company/ruangguru-com">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/linkedin.png" loading=" lazy" alt="Logo LinkedIn Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.tiktok.com/@ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/tiktok.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/tiktok.png" loading=" lazy" alt="Logo TikTok Footer" width="32px" height="32px" />
</picture>
</a>
</nav>
</div>
<p class="footer-copyright">
© 2026 All Rights Reserved PT. Ruang Raya Indonesia
</p>
</div>
<style>
.bantuan-container {
position: relative;
}
.bantuan-element {
position: fixed;
z-index: 999;
display: flex;
align-items: flex-end;
justify-content: flex-end;
cursor: pointer;
transition: all 0.6s ease;
}
.bantuan-top {
bottom: 11rem;
right: 2rem;
}
.bantuan-bottom {
bottom: 2rem;
right: 2rem;
}
.bantuan-top-2 {
bottom: 15rem;
right: 2rem;
}
.bantuan-top-3 {
bottom: 19rem;
right: 2rem;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 2rem;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 2rem;
}
@media (min-width: 768px) {
.bantuan-element img {
width: auto;
transition: all 0.4s ease;
}
.bantuan-top img {
width: 140px;
}
.bantuan-bottom img {
width: 140px;
}
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 140px;
}
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 140px;
}
.bantuan-element.clicked {
bottom: 9rem;
right: 2.5rem;
}
.bantuan-element.clicked img {
width: auto;
height: 64px;
}
}
@media (max-width: 767px) {
.bantuan-top {
bottom: 8rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom {
bottom: 2rem;
right: 1.25rem;
align-items: center;
}
.bantuan-top-2 {
bottom: 12rem;
right: 1rem;
align-items: center;
}
.bantuan-top-3 {
bottom: 16rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 1.25rem;
align-items: center;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 1.25rem;
align-items: center;
}
.bantuan-element img {
width: auto;
}
.bantuan-top img,
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 96px;
}
.bantuan-bottom img,
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 96px;
}
}
.bantuan-element:hover {
transform: scale(1.05);
}
.bantuan-element img {
max-width: 100%;
height: auto;
}
</style>
<div id="bantuan-divs-container" style="position: relative" data-product="ruangguru" data-table="rg_floating_icon"></div>
<script>
class FloatingDivsComponent {
constructor(product = 'ruangguru', table = 'rg_floating_icon') {
this.container = document.getElementById('bantuan-divs-container');
this.floatingElements = [];
this.product = product;
this.table = table;
// Configuration
this.config = {
baseApiUrl: 'https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/rg_banner/views/',
apiKey: 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
maxElements: 2,
zIndexBase: 100,
};
// Build dynamic API URL based on table parameter
this.config.apiUrl = this.buildApiUrl();
this.init();
}
buildApiUrl() {
const baseUrl = this.config.baseApiUrl;
const tableName = this.table || 'rg_floating_icon';
const queryParams =
'offset=0&limit=99999&sort=rankPosition&where=(type,eq,floating)~and(showIn,anyof,blog)~and(hide,is,false)~and(product,eq,' +
this.product +
')&nested%5Bcta%5D%5Bfields%5D=Id,name,ctaId,imageUrl,ctaLink,targetUrl';
return `${baseUrl}${tableName}?${queryParams}`;
}
async init() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to initialize floating divs component:', error);
}
}
async fetchFloatingElements() {
try {
const options = {
method: 'GET',
headers: {
'xc-token': this.config.apiKey || 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
},
};
const urlNoco = this.config.apiUrl;
const response = await fetch(urlNoco, options);
if (!response.ok) {
throw new Error(`HTTP error! status: ${response.status}`);
}
const data = await response.json();
this.floatingElements = this.processApiResponse(data);
} catch (error) {
console.error('Error fetching floating elements:', error);
throw error;
}
}
processApiResponse(data) {
if (!data || !data.list || !Array.isArray(data.list)) {
return [];
}
console.log(data.list);
// Ensure we only get maximum 2 elements
const limitedElements = data.list.slice(0, this.config.maxElements);
return limitedElements;
}
renderFloatingElements() {
if (!this.container || this.floatingElements.length === 0) {
return;
}
// Additional safeguard: ensure we never render more than maxElements
const elementsToRender = this.floatingElements.slice(0, this.config.maxElements);
// Clean up existing elements and their event listeners
this.cleanupExistingElements();
// Clear existing content
this.container.innerHTML = '';
elementsToRender.forEach((element, index) => {
const floatingDiv = this.createFloatingDiv(element, index);
this.container.appendChild(floatingDiv);
});
}
cleanupExistingElements() {
// Clear existing elements (no need for event listener cleanup with CSS approach)
const existingElements = this.container.querySelectorAll('[data-floating-element]');
existingElements.forEach(element => {
element.remove();
});
}
createFloatingDiv(element, index) {
const div = document.createElement('div');
const cta = element.cta[0]; // Use the first CTA
// Add data attribute for cleanup tracking
div.setAttribute('data-floating-element', 'true');
// Apply CSS classes based on rankPosition
const positionClass = this.getPositionClass(element.rankPosition, index);
div.className = `bantuan-element ${positionClass}`;
div.style.zIndex = this.config.zIndexBase + index;
// Create the link and image
const link = document.createElement('a');
link.href = 'https://cta.ruangguru.com/' + cta.ctaId || '#';
link.target = '_blank';
// Add tracking attributes
link.setAttribute('data-tracking-event-type', 'landing_page__core__item_click');
link.setAttribute(
'data-tracking-context',
JSON.stringify({
product_name: this.product,
cta_action: 'redirection',
cta_action_detail: link.href,
item_type: 'floating',
item_name: element.name || 'Floating element',
item_category: 'payment',
item_position: index,
item_serial: null,
section_type: 'floating_item',
section_position: 'body',
section_name: 'floating_item',
})
);
const img = document.createElement('img');
img.src = element.imageUrl + '?h=200&convert=webp';
img.alt = element.name || 'Floating element';
img.loading = 'lazy';
// Add click tracking
link.addEventListener('click', () => {
this.trackClick(element, cta);
});
link.appendChild(img);
div.appendChild(link);
return div;
}
getPositionClass(rankPosition, index) {
// Define positioning classes based on rankPosition
if (rankPosition === 1) {
return 'bantuan-top'; // Top position
} else if (rankPosition === 2) {
return 'bantuan-bottom'; // Bottom position
} else {
// For additional elements, distribute them evenly
return `bantuan-${index % 2 === 0 ? 'top' : 'bottom'}-${Math.floor(index / 2) + 1}`;
}
}
trackClick(element, cta) {
// Implement click tracking logic here
console.log('Floating element clicked:', {
elementId: element.Id,
elementName: cta.name,
ctaId: cta.ctaId,
targetUrl: cta.targetUrl,
});
}
// Public method to manually refresh
async refresh() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to refresh floating elements:', error);
throw error;
}
}
// Public method to get current floating elements
getFloatingElements() {
return [...this.floatingElements];
}
}
// Initialize the component when DOM is ready
document.addEventListener('DOMContentLoaded', () => {
// Get product and table parameters from data attributes
const container = document.getElementById('bantuan-divs-container');
const product = container.getAttribute('data-product') || 'ruangguru';
const table = container.getAttribute('data-table') || 'rg_floating_icon';
new FloatingDivsComponent(product, table);
});
// Export for use in other modules if needed
if (typeof module !== 'undefined' && module.exports) {
module.exports = FloatingDivsComponent;
}
</script> <div id="wp-install-nudge" style="
position: fixed;
bottom: 0rem;
right: 0;
z-index: 999;
cursor: pointer;
"></div>
<script>
(function (w, d, s, o, f, js, fjs) {
w['Sales-Nudge-Widget'] = o; w[o] = w[o] || function () { (w[o].q = w[o].q || []).push(arguments) };
js = d.createElement(s), fjs = d.getElementsByTagName(s)[0];
js.id = o; js.src = f; js.async = 1; fjs.parentNode.insertBefore(js, fjs);
}(window, document, 'script', 'wpInstallNudge', 'https://cdn-web-2.ruangguru.com/sales-nudge/6198a95130/dist/widget.js'));
wpInstallNudge('init', { targetElementId: 'wp-install-nudge', clientTarget: 'ruangguru_blog' });
</script>
<script>
// note: disabled due to auto reload page
// var lastScrollTop = 0;
// $(window).scroll(function(event){
// var st = $(this).scrollTop();
// if (st > lastScrollTop){
// $('#wp-install-nudge').slideDown( "slow", function() {});
// } else {
// $('#wp-install-nudge').slideUp( "slow", function() {});
// }
// lastScrollTop = st;
// });
// $(document).ready(function () {
// $("#wp-install-nudge").hide();
// });
$('#wp-install-nudge').click(function(){
Analytics.track("promotion__install_nudge__click",
{
user_email: "ruangguru@blog.com",
cta_link: widgetData.dataConfig.target_link
}).catch((err) => {
console.log("tracker error", err);
});
});
</script>
</footer>
<div id="__next"></div>
<script type="speculationrules">
{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/blog\/*"},{"not":{"href_matches":["\/blog\/wp-*.php","\/blog\/wp-admin\/*","\/blog\/wp-content\/uploads\/*","\/blog\/wp-content\/*","\/blog\/wp-content\/plugins\/*","\/blog\/wp-content\/themes\/ruangguru\/*","\/blog\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]}
</script>
<script>
async function getCtaDetails(ctaIds) {
const endpoint =
" https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/CTA/views/CTA?offset=0&limit=10&where=(ctaId,in," + ctaIds.toString() + ")";
try {
const response = await fetch(endpoint, {
headers: {
"xc-token": "-hG2nBDJzSj0agSgNtcJx97M4F02y54nUMoY6plJ",
},
});
const data = await response.json();
const ctaList = data?.list || [];
const ctaMap = new Map();
for (const ctaData of ctaList) {
ctaMap.set(ctaData.ctaId, ctaData);
}
return ctaMap;
} catch (error) {
console.error("Error fetching CTA details:", error);
return new Map();
}
}
async function replaceCTA() {
const regex = /{{cta\((‘(.*?)’|“(.*?)”)\)}}/g;
const bodyHTML = document.body.innerHTML;
const matches = Array.from(bodyHTML.matchAll(regex));
const ctaIds = matches.map((match) => {
let ctaId = match[2] ?? match[3];
return ctaId;
});
const ctaMap = await getCtaDetails(ctaIds);
const replacedHTML = bodyHTML.replace(regex, (match, _inner, ctaId1, ctaId2) => {
const ctaId = ctaId1 ?? ctaId2;
const ctaData = ctaMap.get(ctaId);
if (ctaData) {
return `<a href="https://cta.ruangguru.com/${ctaData.ctaId}" target="_${ctaData.targetType}" style="position:relative;display:inline-block;">
<img src="${ctaData.imageUrl}" loading="lazy" alt="${ctaData.altText}" />
</a>`;
} else {
return match;
}
});
document.body.innerHTML = replacedHTML;
}
</script>
<meta name="author" content="Ruangguru Tech Team">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PVNLZFT" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- Tracker -->
<script type="text/javascript" src="https://cdn-web-2.ruangguru.com/landing-page-web/public/staticpages/global-assets/js/cta.js"></script>
<script src="https://unpkg.com/@dotlottie/player-component@latest/dist/dotlottie-player.mjs" type="module"></script>
</body>
</html>