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<h1 class="content-title">
Strategi untuk Mengatur Tabungan Kuliah Anak </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/rizky-rahmatunnisa" class="">Rizky Rahmatunnisa</a> </p>
<p class="content-info"><span>May 10, 2022 • </span> <span>3 minutes read</span></p>
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<p style="text-align: center;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Strategi%20untuk%20Mengatur%20Tabungan%20Kuliah%20Anak.jpg" alt="Strategi untuk Mengatur Tabungan Kuliah Anak" width="820" loading="lazy" style="width: 820px; margin-left: auto; margin-right: auto; display: block;"></p>
<blockquote>
<p style="text-align: center; font-size: 16px;"><em>Artikel ini membahas tentang strategi yang bisa orang tua lakukan dalam mempersiapkan tabungan kuliah anak.</em></p>
</blockquote>
<p style="text-align: center;">—</p>
<p><span id="more-3052"></span></p>
<p> </p>
<p style="text-align: justify;">Sebagai orang tua, tentu Smart Parents ingin selalu memberikan yang terbaik untuk anak, termasuk soal pendidikan. Persaingan <span style="font-weight: normal;">lapangan kerja</span> saat ini serta kebutuhan akan Sumber Daya Manusia (SDM) yang berkualitas membuat orang tua memiliki harapan besar terhadap anak bahwa ia akan menyelesaikan pendidikannya hingga perguruan tinggi.</p>
<p style="text-align: justify;">Dengan rata-rata kenaikan harga atau inflasi dana pendidikan di Indonesia mencapai 15%-20% per tahun, kebutuhan biaya pendidikan perguruan tinggi yang relatif besar ini membuat orang tua harus memiliki strategi khusus untuk mewujudkannya. Karena kebutuhan yang harus dipenuhi ‘<em>kan</em> bukan hanya dana pendidikan.</p>
<p style="text-align: justify; font-weight: bold;">Baca juga: <a href="/blog/apakah-anak-harus-selalu-ranking-terbaik" rel="noopener">Apakah Anak Harus Selalu Mendapatkan Ranking Terbaik?</a></p>
<p style="text-align: justify;">Apalagi jika anak Anda memiliki target untuk <a href="/blog/mana-yang-lebih-baik-kuliah-di-indonesia-atau-luar-negeri" rel="noopener"><strong>kuliah di luar negeri</strong></a>. Tentu membutuhkan biaya yang tidak sedikit, bukan? Kecuali kalau anak Anda mendapatkan beasiswa <em>fullbright. Nah, </em>beda lagi ceritanya. Terus, apa strategi yang bisa Anda lakukan untuk mengamankan tabungan untuk biaya kuliah anak kelak?</p>
<p style="text-align: justify;"> </p>
<h2 style="text-align: justify; font-size: 20px;"><span style="color: #2eb5c0;"><strong>1. Memperkirakan waktu kuliah anak</strong></span></h2>
<p style="text-align: justify;">Anda harus memperkirakan kapan biaya akan mulai dikeluarkan, kemudian jadikanlah ini tenggat waktu Anda dalam pemenuhan tabungan. Meskipun targetnya hingga anak kuliah, Anda harus memperhitungkan juga kemungkinan inflasi atau kenaikan biaya pendidikan serta biaya hidup selama Anda menabung hingga biaya tersebut akhirnya dikeluarkan.</p>
<p style="text-align: justify;">Namun yang perlu digarisbawahi adalah memulai tabungan kuliah sejak dini tentu akan lebih meringankan kebutuhan biaya kuliah anak di masa mendatang.</p>
<p style="text-align: center;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Parenting_-_Tabungan_Kuliah_Anak_(2)-01.png" width="600" style="width: 600px; margin: 0px auto;" alt="strategi untuk mengatur tabungan kuliah anak"></p>
<p style="text-align: justify;"> </p>
<h2 style="text-align: justify; font-size: 20px;"><span style="color: #2eb5c0;"><strong>2. Menghitung perkiraan biaya kuliah yang dibutuhkan</strong></span></h2>
<p style="text-align: justify;">Seberapa besar yang harus disiapkan sebenarnya relatif dan tentatif, tergantung dari pilihan perguruan tingginya dan kemampuan finansial Anda. Tentu biaya kuliah di dalam negeri akan berbeda dengan biaya kuliah di luar negeri. Atau kuliah di universitas negeri tentu akan berbeda dengan biaya di universitas swasta. Tidak hanya itu, Anda juga harus menghitung perkiraan biaya lainnya seperti biaya kebutuhan hidup anak selama kuliah.</p>
<p style="text-align: justify; font-weight: bold;">Baca juga: <a href="/blog/apakah-anak-harus-kuliah-di-luar-kota" rel="noopener">Apakah Anak Harus Kuliah di Luar Kota?</a></p>
<p style="text-align: justify;"> </p>
<h2 style="text-align: justify; font-size: 20px;"><span style="color: #2eb5c0;"><strong>3. Mengatur target</strong></span></h2>
<p style="text-align: justify;">Misalnya anak Anda akan kuliah dalam waktu 10 tahun ke depan. Perkiraan biaya selama kuliah sebesar Rp200 juta. Artinya, Anda harus menabung sebanyak Rp20 juta per tahun atau sekitar Rp1,67 juta per bulan. Tapi penghitungan seperti ini harus disesuaikan dengan kemampuan Anda ya. Karena Anda juga harus menabung untuk hal lainnya, misalnya tabungan masa tua, asuransi kesehatan, atau dana darurat.</p>
<p style="text-align: justify;"> </p>
<h2 style="text-align: justify; font-size: 20px;"><span style="color: #2eb5c0;"><strong>4. Cara menutupi kekurangan tabungan</strong></span></h2>
<p style="text-align: justify;">Setelah menentukan perkiraan waktu kuliah, perkiraan biaya kuliah, serta target, Smart Parents juga harus memikirkan cara menutupi kekurangan tabungan. Misalnya, Anda harus mengurangi pengeluaran yang tidak penting, memiliki asuransi pendidikan untuk anak, atau menambah pengahasilan dengan melakukan usaha sampingan. Harapannya, target Anda untuk biaya kuliah anak tetap tercapai.</p>
<p style="text-align: justify;">Selain menyiapkan tabungan kuliah anak, hal lain yang harus disiapkan sebelum kuliah adalah kemampuan anak Anda. Karena untuk masuk perguruan tinggi memang anak harus melalui serangkaian tes termasuk menjawab soal. Untuk mengasahnya, <em>yuk </em>ajak anak Anda latihan soal lewat <em>tryout </em>di <a href="https://ruangguru.onelink.me/blPk/3b1dd5cf" rel="noopener" target="_blank"><strong>ruanguji</strong></a>. Hasilnya bisa langsung dilihat <em>lho.</em></p>
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<nav class="footer-menu">
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<nav class="footer-menu">
<p class="title"> Coba GRATIS Aplikasi Ruangguru</p>
<div class="download-list">
<ul>
<li>
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</a>
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<img src="https://cdn-web-2.ruangguru.com/static/googleplay.png" loading="lazy" alt="Button Google Play Footer " />
</a>
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<img src="https://cdn-web-2.ruangguru.com/static/huawei.png" loading="lazy" alt="Button AppGallery Footer " />
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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">
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<img src="https://cdn-web-2.ruangguru.com/static/instagram.png" loading="lazy" alt="Logo Instagram Footer" width="32px" height="32px" />
</picture>
</a>
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<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60&convert=webp" type="image/webp">
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</picture>
</a>
<a target="_blank" href="https://twitter.com/ruangguru/">
<picture>
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</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>