Kamu kapan nih terakhir menyimpan uang di Bank? Sudah sering nabung di bank tapi tidak tahu apa penegertian, fungsi dan jenis bank? Cari tahu lewat artikel Ekonomi Kelas 10 ini yuk!
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Hayo disini siapa yang selalu menyisihkan uang sakunya untuk ditabung di bank? Menabung itu sangat penting lho! Sesuai dengan peribahasa “hemat pangkal kaya”, dengan menghemat dan menabungkan uang kamu di bank, kelak kamu dapat membeli barang yang kamu inginkan tanpa harus meminta orang tua lagi.
Oh iya, tapi kamu tahu gak apa itu bank dan fungsi lainnya selain untuk menabung? Terus kamu tahu gak kalau bank juga punya beberapa jenis? Penasaran kan? Yuk cari tahu bersama!
Ternyata, ‘Bank’ berasal dari bahasa Italia “banca” yang artinya bangku. Lah kok bangku? Iya, jadi dulu bangku ini digunakan sebagai tempat pertukaran uang yang digunakan pengawai bank untuk melayani aktivitas menabung.
Pada perkembanganya, bank sekarang dikenal sebagai lembaga keuangan yang bertugas menyalurkan dan menghimpun dana di masyarakat, termasuk uang saku yang kamu tabungkan, guys.
Sementara, menurut Undang-Undang No. 10 Tahun 1998, bank adalah entitas bisnis yang mengumpulkan dana dari masyarakat dalam bentuk simpanan dan mendistribusikannya kembali dalam bentuk kredit atau bentuk lainnya dengan tujuan meningkatkan kesejahteraan masyarakat.
Kalau berdasarkan Kamus Besar Bahasa Indonesia (KBBI), bank merupakan badan usaha di bidang keuangan yang menarik dan mengeluarkan uang dalam masyarakat, terutama memberikan kredit dan jasa dalam lalu lintas pembayaran dan peredaran uang.
Baca Juga: Sejarah Mata Uang Indonesia dari Masa ke Masa, Bagaimana bisa Jadi Rupiah?
Menyisakan uang saku untuk ditabung (Sumber: momdoesreviews.com)
Fungsi dan Tujuan Bank
Terus, apa aja sih fungsi dan tujuan bank?
1. Bank sebagai penghimpun dana masyarakat
Dalam perannya sebagai penghimpun dana, bank berfungsi sebagai tempat atau fasilitator bagi masyarakat yang ingin menyimpan uang mereka dalam berbagai bentuk seperti tabungan, deposito, giro, dan lainnya.
2. Bank sebagai penyalur dana untuk masyarakat
Saat menyalurkan dana kepada masyarakat, bank menyediakan layanan dalam bentuk pinjaman atau kredit.
3. Bank sebagai Penyedia Jasa Perbankan
Bank menawarkan berbagai jasa perbankan yang dapat dimanfaatkan oleh masyarakat.
Jenis-Jenis Bank
Guys, berapa banyak bank yang kamu ketahui? Banyak sekali kan? Nah, untuk itu ada pengkategorian bank berdasarkan kepemilikan, fungsi, dan statusnya.
Yuk kita simak satu per satu!
A. Jenis Bank berdasarkan Fungsinya
Berdasarkan fungsinya, bank dibagi menjadi tiga:
1. Bank Sentral
Bank sentral adalah bank yang berwenang untuk mengatur, mengawasi kegiatan perbankan dan peredaran uang di Indonesia.
Di sebuah negara, bank sentral hampir pasti cuma ada satu guys. Kalo di Indonesia, kita punya Bank Indonesia. Untuk penjelasan lebih jelas terkait Bank Indonesia, kamu bisa baca di artikel Tugas dan Peran Bank Indonesia, ya!
Baca Juga: Bank Sentral: Pengertian, Sejarah, Tugas & Wewenang | Ekonomi Kelas 10
2. Bank Umum
Bank umum adalah jenis bank yang pasti sering kamu temui. Fungsi utamanya adalah mengumpulkan dana dari masyarakat dalam bentuk tabungan, giro, tabungan berjangka, dan sertifikat deposito, kemudian menyalurkannya kembali dalam bentuk pinjaman serta menyediakan jasa pembayaran seperti transfer dan jual beli valuta asing.
Dalam operasinya, terdapat bank umum konvensional seperti Bank Mandiri, BNI, dan BCA. Ada juga bank umum syariah yang menjalankan operasional berdasarkan hukum Islam, seperti Bank Syariah Indonesia, Bank BTN Syariah, dan Bank Muamalat.
Kamu tau gak, perbedaan bank konvensional dan bank syairah? Boleh cari tahu di artikel di bawah ini, ya!
Baca Juga: 9 Perbedaan Bank Konvensional dan Bank Syariah, Pilih Mana? | Ekonomi Kelas 10
3. Bank Perkreditan Rakyat atau BPR
Bank Perkreditan Rakyat (BPR) memiliki cakupan layanan yang lebih terbatas dibandingkan bank umum, hanya beroperasi di tingkat kecamatan atau kabupaten.
Biasanya, masyarakat yang membutuhkan kredit (misalnya untuk pembelian kendaraan bermotor, renovasi rumah, sampai pendidikan anak) bisa menggunakan BPR sebagai bank alternatif dari bank umum.
BPR mengumpulkan dana dalam bentuk tabungan dan deposito, tapi tidak menyediakan jasa pembayaran. BPR juga terdiri dari jenis konvensional dan syariah. Contoh BPR konvensional di Jakarta adalah BPR Bina Dana Swadaya, sedangkan untuk syariah ada BPRS Cempaka Al Amin.
B. Jenis Bank berdasarkan Kepemilikannya
Berdasarkan kepemilikannya, bank dibagi menjadi empat:
1. Bank Milik Pemerintah
Bank milik pemerintah artinya, sebagian besar modal dimiliki oleh pemerintah. Bank milik pemerintah ini dibagi lagi jadi dua, ada bank milik pemerintah pusat, seperti Bank Mandiri, Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), dan Bank Rakyat Indonesia (BRI).
Satu lagi ada bank milik pemerintah daerah seperti Bank Banten, Bank Jawa Barat (BJB), Bank DKI, Bank Sulselbar, dan lain-lain.
2. Bank Milik Swasta
Bank milik swasta berarti, sebagian besar modalnya dmiliki oleh perusahaan swasta nasional. Ingat, swasta nasional ya guys. Misalnya seperti Bank Central Asia (BCA), CIMB Niaga, dan Bank Mega.
3. Bank Campuran
Nah, kalau bank campuran, kepemilikan modalnya bercampur antara pihak asing dan pihak swasta nasional. Misalnya Bank ANZ Indonesia, Bank DBS Indonesia, Bank Woori Saudara, dan Bank CTBC Indonesia.
4. Bank Milik Asing
Sementara, bank milik asing berarti cabang dari bank yang ada di luar negeri. Jadi, seluruh kepemilikannya punya pihak asing ya guys. Misalnya seperti Citibank dan United Overseas Bank atu UOB.
Baca Juga: Macam-Macam Produk Bank | Ekonomi Kelas 10
C. Jenis Bank berdasarkan Statusnya
Terakhir, ada jenis bank berdasarkan statusnya yang dibagi menjadi dua:
1. Bank Devisa
Bank devisa adalah bank yang dapat melakukan transaksi internasional atau luar negeri serta berbagai kegiatan terkait mata uang asing atau valuta asing (valas). Layanan yang ditawarkan oleh bank devisa meliputi:
- Tabungan dalam valuta asing.
- Pengiriman dan penerimaan transfer serta inkaso dalam bentuk valas.
- Jual beli valas.
- Pembukaan dan pembayaran Letter of Credit (L/C) untuk keperluan ekspor impor.
- Lalu lintas pembayaran dalam dan luar negeri.
Sebagai nasabah bank devisa, kita bisa merasakan manfaatnya saat bepergian ke luar negeri, karena saldo rekening dapat dikonversi ke mata uang negara tujuan.
Misalnya, jika kita ke Inggris dan kehabisan poundsterling, kita bisa menariknya dari ATM dan mendapatkan poundsterling langsung, asalkan kartu ATM kita berlogo Visa atau Mastercard.
Contoh bank devisa di Indonesia termasuk Bank Mandiri, Bank Rakyat Indonesia, Jenius, Bank Mega, dan Bank Permata. Daftar lengkapnya bisa dilihat di situs web OJK.
2. Bank Non-Devisa
Bank non-devisa, sebaliknya, tidak dapat melakukan transaksi internasional. Layanan mereka terbatas pada transaksi domestik atau dalam negeri. Contoh bank non-devisa adalah Bank BCA Syariah dan Bank Jasa Jakarta. Daftar lengkapnya juga tersedia di situs web OJK.
Baca Juga: Apa Itu OJK (Otoritas Jasa Keuangan), Fungsi & Wewenangnya? | Ekonomi Kelas 10
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Nah, karena sudah paham mengenai pengertian, fungsi, dan jenis-jenis bank, mulai sekarang harus rajin menabung di bank ya.
Oh, iya untuk kamu yang masih penasaran dengan bank baik jenis lainnya atau produk-produk bank secara jelas dan lengkap, kamu bisa belajar dengan ruangbelajar. Di situ kamu bisa belajar sambil nonton video yang keren dan interaktif. Yuk langganan sekarang!
Referensi:
Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.
Sumber Foto:
Foto ‘Ilustrasi Menyisakan Uang Saku’ [daring] Tautan: https://www.momdoesreviews.com/2014/10/31/investing-early-get-kids-involved-future-savings/
Foto ‘Bank Sentra;’ [daring] Tautan: https://www.infokekinian.com/peran-fungsi-dan-tujuan-bank-sentral-bank-indonesia/
Foto ‘Bank Umum’ [daring] Tautan: https://www.cronyos.com/hukum-menabung-di-bank/
Foto ‘Bank Perkreditan Rakyat’ [daring] Tautan: https://www.akuntansilengkap.com/akuntansi/bank-perkreditan-rakyat-bpr-pengertian-fungsi-tujuan-dan-kegiatannya/
Artikel ini pertama kali terbit pada 15 Mei 2018, kemudian diperbarui oleh Laras Sekar Seruni pada 17 Januari 2025.
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<h1 class="content-title">
Pengertian Bank, Fungsi, dan Jenis-Jenisnya | Ekonomi Kelas 10 </h1>
<div class="content-meta">
<p class="content-author"><a href="https://www.ruangguru.com/blog/author/aulia-annaisabiru-e" class="">Aulia Annaisabiru E</a> </p>
<p class="content-info"><span>January 17, 2025 • </span> <span>6 minutes read</span></p>
<br />
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<p style="text-align: justify;"><span style="color: #000000;"><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/98907c67-db52-40c8-ae46-3c76ac1afe19.png" alt="pengertian dan jenis-jenis bank" /></span></p>
<blockquote>
<p style="text-align: center;"><em>Kamu kapan nih terakhir menyimpan uang di Bank? Sudah sering nabung di bank tapi tidak tahu apa penegertian, fungsi dan jenis bank? Cari tahu lewat <strong><a href="https://www.ruangguru.com/blog/c/ekonomi/ekonomi-sma-kelas-10" target="_blank" rel="noopener">artikel Ekonomi Kelas 10</a></strong> ini yuk!</em></p>
</blockquote>
<p style="text-align: center;">—</p>
<p> </p>
<p style="text-align: justify;">Hayo disini siapa yang selalu menyisihkan uang sakunya untuk ditabung di bank? Menabung itu sangat penting lho! Sesuai dengan peribahasa “hemat pangkal kaya”, dengan menghemat dan menabungkan uang kamu di bank, kelak kamu dapat membeli barang yang kamu inginkan tanpa harus meminta orang tua lagi.</p>
<p style="text-align: justify;">Oh iya, tapi kamu tahu gak apa itu bank dan fungsi lainnya selain untuk menabung? Terus kamu tahu gak kalau bank juga punya beberapa jenis? Penasaran kan? Yuk cari tahu bersama!</p>
<p> </p>
<h2><span style="font-size: 18pt;">Pengertian Bank</span></h2>
<p style="text-align: justify;">Ternyata, ‘Bank’ berasal dari bahasa Italia “<em>banca</em>” yang artinya <strong>bangku</strong>. Lah kok bangku? Iya, jadi dulu bangku ini digunakan sebagai tempat pertukaran uang yang digunakan pengawai bank untuk melayani aktivitas menabung.</p>
<p style="text-align: justify;">Pada perkembanganya, bank sekarang dikenal sebagai <strong>lembaga keuangan yang bertugas menyalurkan dan menghimpun dana di masyarakat</strong>, termasuk uang saku yang kamu tabungkan, <em>guys</em>.</p>
<p style="text-align: justify;">Sementara, menurut Undang-Undang No. 10 Tahun 1998, bank adalah <strong>entitas bisnis yang mengumpulkan dana dari masyarakat dalam bentuk simpanan</strong> dan <strong>mendistribusikannya kembali dalam bentuk kredit atau bentuk lainnya</strong> dengan tujuan meningkatkan kesejahteraan masyarakat.</p>
<p style="text-align: justify;">Kalau berdasarkan Kamus Besar Bahasa Indonesia (KBBI), bank merupakan <strong>badan usaha di bidang keuangan yang menarik dan mengeluarkan uang dalam masyarakat</strong>, terutama memberikan kredit dan jasa dalam lalu lintas pembayaran dan peredaran uang.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/fakta-menarik-perubahan-uang-indonesia-yang-perlu-kamu-ketahui" target="_blank" rel="noopener">Sejarah Mata Uang Indonesia dari Masa ke Masa, Bagaimana bisa Jadi Rupiah?</a></strong></p>
<p style="text-align: center;"><span style="color: #000000;"><img decoding="async" style="width: 600px; display: block; margin: 0px auto;" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/informasitioscom.jpg" alt="Menabung sisa uang saku" width="600" /></span><br />
Menyisakan uang saku untuk ditabung (Sumber: momdoesreviews.com)</p>
<p> </p>
<h2><span style="font-size: 18pt;">Fungsi dan Tujuan Bank</span></h2>
<p style="text-align: justify;">Terus, apa aja sih fungsi dan tujuan bank?</p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">1. Bank sebagai penghimpun dana masyarakat</span></h3>
<p style="text-align: justify;">Dalam perannya sebagai penghimpun dana, bank berfungsi sebagai tempat atau fasilitator bagi masyarakat yang ingin<strong> menyimpan uang</strong> mereka <strong>dalam berbagai bentuk</strong> seperti <strong>tabungan</strong>, <strong>deposito</strong>, <strong>giro</strong>, dan lainnya.</p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">2. Bank sebagai penyalur dana untuk masyarakat</span></h3>
<p style="text-align: justify;">Saat menyalurkan dana kepada masyarakat, bank <strong>menyediakan layanan dalam bentuk pinjaman atau kredit</strong>.</p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">3. Bank sebagai Penyedia Jasa Perbankan</span></h3>
<p style="text-align: justify;">Bank <strong>menawarkan berbagai jasa perbankan</strong> yang dapat dimanfaatkan oleh masyarakat.</p>
<p> </p>
<h2><span style="font-size: 18pt;">Jenis-Jenis Bank</span></h2>
<p><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/2e2cd422-5125-484f-ade1-64c21ac374a1.png" alt="Jenis-Jenis Bank" /></p>
<p> </p>
<p style="text-align: justify;"><em>Guys</em>, berapa banyak bank yang kamu ketahui? Banyak sekali kan? <em>Nah, </em>untuk itu ada pengkategorian bank berdasarkan kepemilikan, fungsi, dan statusnya.</p>
<p>Yuk kita simak satu per satu!</p>
<p> </p>
<h3><span style="font-size: 14pt;">A. Jenis Bank berdasarkan Fungsinya</span></h3>
<p>Berdasarkan fungsinya, bank dibagi menjadi tiga:</p>
<p> </p>
<h4>1. Bank Sentral</h4>
<p style="text-align: justify;">Bank sentral adalah bank yang berwenang untuk <strong>mengatur, mengawasi kegiatan perbankan dan peredaran uang di Indonesia</strong>.</p>
<p style="text-align: justify;">Di sebuah negara, bank sentral hampir pasti cuma ada satu <em>guys</em>. Kalo di Indonesia, kita punya Bank Indonesia. Untuk penjelasan lebih jelas terkait Bank Indonesia, kamu bisa baca di artikel <strong><a href="https://www.ruangguru.com/blog/yuk-kenali-tugas-dan-peran-dari-bank-indonesia" target="_blank" rel="noopener">Tugas dan Peran Bank Indonesia</a></strong>, ya!</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/tugas-dan-wewenang-bank-sentral" target="_blank" rel="noopener">Bank Sentral: Pengertian, Sejarah, Tugas & Wewenang | Ekonomi Kelas 10</a></strong></p>
<p> </p>
<h4 style="text-align: justify;">2. Bank Umum</h4>
<p style="text-align: justify;">Bank umum adalah jenis bank yang pasti sering kamu temui. Fungsi utamanya adalah <strong>mengumpulkan dana dari masyarakat</strong> dalam bentuk tabungan, giro, tabungan berjangka, dan sertifikat deposito, kemudian menyalurkannya kembali dalam bentuk pinjaman serta menyediakan jasa pembayaran seperti transfer dan jual beli valuta asing.</p>
<p style="text-align: justify;">Dalam operasinya, terdapat bank umum konvensional seperti Bank Mandiri, BNI, dan BCA. Ada juga bank umum syariah yang menjalankan operasional berdasarkan hukum Islam, seperti Bank Syariah Indonesia, Bank BTN Syariah, dan Bank Muamalat.</p>
<p style="text-align: justify;">Kamu tau gak, perbedaan bank konvensional dan bank syairah? Boleh cari tahu di artikel di bawah ini, ya!</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/ekonomi-kelas-10-pilih-menabung-di-bank-konvensional-atau-bank-syariah" target="_blank" rel="noopener">9 Perbedaan Bank Konvensional dan Bank Syariah, Pilih Mana? | Ekonomi Kelas 10</a></strong></p>
<p> </p>
<h4 style="text-align: justify;">3. Bank Perkreditan Rakyat atau BPR</h4>
<p style="text-align: justify;">Bank Perkreditan Rakyat (BPR) memiliki cakupan layanan yang lebih terbatas dibandingkan bank umum, hanya beroperasi di tingkat kecamatan atau kabupaten.</p>
<p style="text-align: justify;">Biasanya, masyarakat yang membutuhkan kredit (misalnya untuk pembelian kendaraan bermotor, renovasi rumah, sampai pendidikan anak) bisa menggunakan BPR sebagai bank alternatif dari bank umum.</p>
<p style="text-align: justify;">BPR m<strong>engumpulkan dana dalam bentuk tabungan dan deposito</strong>, <strong>tapi tidak menyediakan jasa pembayaran</strong>. BPR juga terdiri dari jenis konvensional dan syariah. Contoh BPR konvensional di Jakarta adalah BPR Bina Dana Swadaya, sedangkan untuk syariah ada BPRS Cempaka Al Amin.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">B. Jenis Bank berdasarkan Kepemilikannya</span></h3>
<p style="text-align: justify;">Berdasarkan kepemilikannya, bank dibagi menjadi empat:</p>
<p> </p>
<h4 style="text-align: justify;">1. Bank Milik Pemerintah</h4>
<p style="text-align: justify;">Bank milik pemerintah artinya, <strong>sebagian besar modal dimiliki oleh pemerintah</strong>. Bank milik pemerintah ini dibagi lagi jadi dua, ada <strong>bank milik pemerintah pusat</strong>, seperti Bank Mandiri, Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), dan Bank Rakyat Indonesia (BRI).</p>
<p style="text-align: justify;">Satu lagi ada <strong>bank milik pemerintah daerah</strong> seperti Bank Banten, Bank Jawa Barat (BJB), Bank DKI, Bank Sulselbar, dan lain-lain.</p>
<p> </p>
<h4 style="text-align: justify;">2. Bank Milik Swasta</h4>
<p style="text-align: justify;">Bank milik swasta berarti, <strong>sebagian besar modalnya dmiliki oleh perusahaan swasta nasional</strong>. Ingat, swasta nasional ya <em>guys</em>. Misalnya seperti Bank Central Asia (BCA), CIMB Niaga, dan Bank Mega.</p>
<p> </p>
<h4 style="text-align: justify;">3. Bank Campuran</h4>
<p style="text-align: justify;">Nah, kalau bank campuran, <strong>kepemilikan modalnya bercampur antara pihak asing dan pihak swasta nasional</strong>. Misalnya Bank ANZ Indonesia, Bank DBS Indonesia, Bank Woori Saudara, dan Bank CTBC Indonesia.</p>
<p> </p>
<h4 style="text-align: justify;">4. Bank Milik Asing</h4>
<p style="text-align: justify;">Sementara, bank milik asing berarti <strong>cabang dari bank yang ada di luar negeri</strong>. Jadi, seluruh kepemilikannya punya pihak asing ya <em>guys</em>. Misalnya seperti Citibank dan United Overseas Bank atu UOB.</p>
<p><strong>Baca Juga:<a href="https://www.ruangguru.com/blog/macam-macam-produk-bank" target="_blank" rel="noopener"> Macam-Macam Produk Bank | Ekonomi Kelas 10</a></strong></p>
<p> </p>
<h3><span style="font-size: 14pt;">C. Jenis Bank berdasarkan Statusnya</span></h3>
<p>Terakhir, ada jenis bank berdasarkan statusnya yang dibagi menjadi dua:</p>
<p> </p>
<h4 style="text-align: justify;">1. Bank Devisa</h4>
<p style="text-align: justify;">Bank devisa adalah <strong>bank yang dapat melakukan transaksi internasional</strong> atau luar negeri serta berbagai kegiatan terkait mata uang asing atau valuta asing (valas). Layanan yang ditawarkan oleh bank devisa meliputi:</p>
<ol style="list-style-type: lower-alpha;">
<li style="text-align: justify;">Tabungan dalam valuta asing.</li>
<li style="text-align: justify;">Pengiriman dan penerimaan transfer serta inkaso dalam bentuk valas.</li>
<li style="text-align: justify;">Jual beli valas.</li>
<li style="text-align: justify;">Pembukaan dan pembayaran Letter of Credit (L/C) untuk keperluan ekspor impor.</li>
<li style="text-align: justify;">Lalu lintas pembayaran dalam dan luar negeri.</li>
</ol>
<p> </p>
<p style="text-align: justify;">Sebagai nasabah bank devisa, kita bisa merasakan manfaatnya saat bepergian ke luar negeri, karen<strong>a saldo rekening dapat dikonversi ke mata uang negara tujuan</strong>.</p>
<p style="text-align: justify;">Misalnya, jika kita ke Inggris dan kehabisan poundsterling, kita bisa menariknya dari ATM dan mendapatkan poundsterling langsung, asalkan kartu ATM kita berlogo Visa atau Mastercard.</p>
<p style="text-align: justify;">Contoh bank devisa di Indonesia termasuk Bank Mandiri, Bank Rakyat Indonesia, Jenius, Bank Mega, dan Bank Permata. Daftar lengkapnya bisa dilihat di situs web OJK.</p>
<p> </p>
<h4 style="text-align: justify;">2. Bank Non-Devisa</h4>
<p style="text-align: justify;">Bank non-devisa, sebaliknya, tidak dapat melakukan transaksi internasional. Layanan mereka terbatas pada transaksi domestik atau dalam negeri. Contoh bank non-devisa adalah Bank BCA Syariah dan Bank Jasa Jakarta. Daftar lengkapnya juga tersedia di situs web OJK.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="https://www.ruangguru.com/blog/mengenal-ojk-otoritas-jasa-keuangan" target="_blank" rel="noopener">Apa Itu OJK (Otoritas Jasa Keuangan), Fungsi & Wewenangnya? | Ekonomi Kelas 10</a></strong></p>
<p style="text-align: center;"><span style="color: #000000;">—</span></p>
<p style="text-align: justify;">Nah<em>, </em>karena sudah paham mengenai <strong>pengertian, fungsi, dan jenis-jenis bank</strong>, mulai sekarang harus rajin menabung di bank ya.</p>
<p style="text-align: justify;">Oh<em>, </em>iya untuk kamu yang masih penasaran dengan bank baik jenis lainnya atau produk-produk bank secara jelas dan lengkap, kamu bisa belajar dengan <strong><a href="https://app.ruangguru.com/ruangbelajar/v/definisi-dan-fungsi-lembaga-keuangan-bank-subtopi-6ogqoqx2-hr-smk-kelas-10-akuntansi-keuangan-lembaga" target="_blank" rel="noopener">ruangbelajar</a></strong>. Di situ kamu bisa belajar sambil nonton video yang keren dan interaktif. Yuk langganan sekarang!</p>
<p><a href="https://bayar.ruangguru.com/?"><img decoding="async" class="aligncenter size-medium" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/71056d6b-8e07-41d4-9771-5cdd958e1147.jpg" alt="CTA Ruangguru" /></a></p>
<p style="text-align: justify;"><strong>Referensi:</strong></p>
<p style="text-align: justify;">Alam S. Ekonomi untuk SMA dan MA Kelas X Kurikulum 2013. Jakarta: Erlangga.</p>
<p style="text-align: justify;"><strong>Sumber Foto:</strong></p>
<p style="text-align: left;">Foto ‘Ilustrasi Menyisakan Uang Saku’ [daring] Tautan: https://www.momdoesreviews.com/2014/10/31/investing-early-get-kids-involved-future-savings/</p>
<p style="text-align: justify;">Foto ‘Bank Sentra;’ [daring] Tautan: https://www.infokekinian.com/peran-fungsi-dan-tujuan-bank-sentral-bank-indonesia/</p>
<p style="text-align: justify;">Foto ‘Bank Umum’ [daring] Tautan: https://www.cronyos.com/hukum-menabung-di-bank/</p>
<p style="text-align: left;">Foto ‘Bank Perkreditan Rakyat’ [daring] Tautan: https://www.akuntansilengkap.com/akuntansi/bank-perkreditan-rakyat-bpr-pengertian-fungsi-tujuan-dan-kegiatannya/</p>
<p> </p>
<p style="text-align: justify;"><strong><em>Artikel ini pertama kali terbit pada 15 Mei 2018, kemudian diperbarui oleh <a href="https://www.ruangguru.com/blog/author/laras-sekar-seruni" target="_blank" rel="noopener">Laras Sekar Seruni</a> pada 17 Januari 2025. </em></strong></p>
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<div class="d-lg-none text-center">
<nav class="footer-menu social">
<p class="title">Ikuti Kami</p>
<a target="_blank" href="https://www.instagram.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/instagram.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/instagram.png" loading="lazy" alt="Logo Instagram Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.facebook.com/ruanggurucom/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/facebook.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/facebook.png" loading="lazy" alt="Logo Facebook Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://twitter.com/ruangguru/">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/twitter.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/twitter.png" loading=" lazy" alt="Logo Twitter Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.youtube.com/ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/youtube.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/youtube.png" loading=" lazy" alt="Logo Youtube Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.linkedin.com/company/ruangguru-com">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60&convert=webp" type="image/webp">
<source srcset="https://cdn-web-2.ruangguru.com/static/linkedin.png?height=60" type="image/png">
<img src="https://cdn-web-2.ruangguru.com/static/linkedin.png" loading=" lazy" alt="Logo LinkedIn Footer" width="32px" height="32px" />
</picture>
</a>
<a target="_blank" href="https://www.tiktok.com/@ruangguru">
<picture>
<source srcset="https://cdn-web-2.ruangguru.com/static/tiktok.png?height=60&convert=webp" type="image/webp">
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<img src="https://cdn-web-2.ruangguru.com/static/tiktok.png" loading=" lazy" alt="Logo TikTok Footer" width="32px" height="32px" />
</picture>
</a>
</nav>
</div>
<p class="footer-copyright">
© 2026 All Rights Reserved PT. Ruang Raya Indonesia
</p>
</div>
<style>
.bantuan-container {
position: relative;
}
.bantuan-element {
position: fixed;
z-index: 999;
display: flex;
align-items: flex-end;
justify-content: flex-end;
cursor: pointer;
transition: all 0.6s ease;
}
.bantuan-top {
bottom: 11rem;
right: 2rem;
}
.bantuan-bottom {
bottom: 2rem;
right: 2rem;
}
.bantuan-top-2 {
bottom: 15rem;
right: 2rem;
}
.bantuan-top-3 {
bottom: 19rem;
right: 2rem;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 2rem;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 2rem;
}
@media (min-width: 768px) {
.bantuan-element img {
width: auto;
transition: all 0.4s ease;
}
.bantuan-top img {
width: 140px;
}
.bantuan-bottom img {
width: 140px;
}
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 140px;
}
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 140px;
}
.bantuan-element.clicked {
bottom: 9rem;
right: 2.5rem;
}
.bantuan-element.clicked img {
width: auto;
height: 64px;
}
}
@media (max-width: 767px) {
.bantuan-top {
bottom: 8rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom {
bottom: 2rem;
right: 1.25rem;
align-items: center;
}
.bantuan-top-2 {
bottom: 12rem;
right: 1rem;
align-items: center;
}
.bantuan-top-3 {
bottom: 16rem;
right: 1rem;
align-items: center;
}
.bantuan-bottom-2 {
bottom: 5rem;
right: 1.25rem;
align-items: center;
}
.bantuan-bottom-3 {
bottom: 8rem;
right: 1.25rem;
align-items: center;
}
.bantuan-element img {
width: auto;
}
.bantuan-top img,
.bantuan-top-2 img,
.bantuan-top-3 img {
width: 96px;
}
.bantuan-bottom img,
.bantuan-bottom-2 img,
.bantuan-bottom-3 img {
width: 96px;
}
}
.bantuan-element:hover {
transform: scale(1.05);
}
.bantuan-element img {
max-width: 100%;
height: auto;
}
</style>
<div id="bantuan-divs-container" style="position: relative" data-product="ruangguru" data-table="rg_floating_icon"></div>
<script>
class FloatingDivsComponent {
constructor(product = 'ruangguru', table = 'rg_floating_icon') {
this.container = document.getElementById('bantuan-divs-container');
this.floatingElements = [];
this.product = product;
this.table = table;
// Configuration
this.config = {
baseApiUrl: 'https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/rg_banner/views/',
apiKey: 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
maxElements: 2,
zIndexBase: 100,
};
// Build dynamic API URL based on table parameter
this.config.apiUrl = this.buildApiUrl();
this.init();
}
buildApiUrl() {
const baseUrl = this.config.baseApiUrl;
const tableName = this.table || 'rg_floating_icon';
const queryParams =
'offset=0&limit=99999&sort=rankPosition&where=(type,eq,floating)~and(showIn,anyof,blog)~and(hide,is,false)~and(product,eq,' +
this.product +
')&nested%5Bcta%5D%5Bfields%5D=Id,name,ctaId,imageUrl,ctaLink,targetUrl';
return `${baseUrl}${tableName}?${queryParams}`;
}
async init() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to initialize floating divs component:', error);
}
}
async fetchFloatingElements() {
try {
const options = {
method: 'GET',
headers: {
'xc-token': this.config.apiKey || 'vLyK3dJrDBRmOwueX2OJXibMkgsUbBk0WS4ua2p1',
},
};
const urlNoco = this.config.apiUrl;
const response = await fetch(urlNoco, options);
if (!response.ok) {
throw new Error(`HTTP error! status: ${response.status}`);
}
const data = await response.json();
this.floatingElements = this.processApiResponse(data);
} catch (error) {
console.error('Error fetching floating elements:', error);
throw error;
}
}
processApiResponse(data) {
if (!data || !data.list || !Array.isArray(data.list)) {
return [];
}
console.log(data.list);
// Ensure we only get maximum 2 elements
const limitedElements = data.list.slice(0, this.config.maxElements);
return limitedElements;
}
renderFloatingElements() {
if (!this.container || this.floatingElements.length === 0) {
return;
}
// Additional safeguard: ensure we never render more than maxElements
const elementsToRender = this.floatingElements.slice(0, this.config.maxElements);
// Clean up existing elements and their event listeners
this.cleanupExistingElements();
// Clear existing content
this.container.innerHTML = '';
elementsToRender.forEach((element, index) => {
const floatingDiv = this.createFloatingDiv(element, index);
this.container.appendChild(floatingDiv);
});
}
cleanupExistingElements() {
// Clear existing elements (no need for event listener cleanup with CSS approach)
const existingElements = this.container.querySelectorAll('[data-floating-element]');
existingElements.forEach(element => {
element.remove();
});
}
createFloatingDiv(element, index) {
const div = document.createElement('div');
const cta = element.cta[0]; // Use the first CTA
// Add data attribute for cleanup tracking
div.setAttribute('data-floating-element', 'true');
// Apply CSS classes based on rankPosition
const positionClass = this.getPositionClass(element.rankPosition, index);
div.className = `bantuan-element ${positionClass}`;
div.style.zIndex = this.config.zIndexBase + index;
// Create the link and image
const link = document.createElement('a');
link.href = 'https://cta.ruangguru.com/' + cta.ctaId || '#';
link.target = '_blank';
// Add tracking attributes
link.setAttribute('data-tracking-event-type', 'landing_page__core__item_click');
link.setAttribute(
'data-tracking-context',
JSON.stringify({
product_name: this.product,
cta_action: 'redirection',
cta_action_detail: link.href,
item_type: 'floating',
item_name: element.name || 'Floating element',
item_category: 'payment',
item_position: index,
item_serial: null,
section_type: 'floating_item',
section_position: 'body',
section_name: 'floating_item',
})
);
const img = document.createElement('img');
img.src = element.imageUrl + '?h=200&convert=webp';
img.alt = element.name || 'Floating element';
img.loading = 'lazy';
// Add click tracking
link.addEventListener('click', () => {
this.trackClick(element, cta);
});
link.appendChild(img);
div.appendChild(link);
return div;
}
getPositionClass(rankPosition, index) {
// Define positioning classes based on rankPosition
if (rankPosition === 1) {
return 'bantuan-top'; // Top position
} else if (rankPosition === 2) {
return 'bantuan-bottom'; // Bottom position
} else {
// For additional elements, distribute them evenly
return `bantuan-${index % 2 === 0 ? 'top' : 'bottom'}-${Math.floor(index / 2) + 1}`;
}
}
trackClick(element, cta) {
// Implement click tracking logic here
console.log('Floating element clicked:', {
elementId: element.Id,
elementName: cta.name,
ctaId: cta.ctaId,
targetUrl: cta.targetUrl,
});
}
// Public method to manually refresh
async refresh() {
try {
await this.fetchFloatingElements();
this.renderFloatingElements();
} catch (error) {
console.error('Failed to refresh floating elements:', error);
throw error;
}
}
// Public method to get current floating elements
getFloatingElements() {
return [...this.floatingElements];
}
}
// Initialize the component when DOM is ready
document.addEventListener('DOMContentLoaded', () => {
// Get product and table parameters from data attributes
const container = document.getElementById('bantuan-divs-container');
const product = container.getAttribute('data-product') || 'ruangguru';
const table = container.getAttribute('data-table') || 'rg_floating_icon';
new FloatingDivsComponent(product, table);
});
// Export for use in other modules if needed
if (typeof module !== 'undefined' && module.exports) {
module.exports = FloatingDivsComponent;
}
</script> <div id="wp-install-nudge" style="
position: fixed;
bottom: 0rem;
right: 0;
z-index: 999;
cursor: pointer;
"></div>
<script>
(function (w, d, s, o, f, js, fjs) {
w['Sales-Nudge-Widget'] = o; w[o] = w[o] || function () { (w[o].q = w[o].q || []).push(arguments) };
js = d.createElement(s), fjs = d.getElementsByTagName(s)[0];
js.id = o; js.src = f; js.async = 1; fjs.parentNode.insertBefore(js, fjs);
}(window, document, 'script', 'wpInstallNudge', 'https://cdn-web-2.ruangguru.com/sales-nudge/6198a95130/dist/widget.js'));
wpInstallNudge('init', { targetElementId: 'wp-install-nudge', clientTarget: 'ruangguru_blog' });
</script>
<script>
// note: disabled due to auto reload page
// var lastScrollTop = 0;
// $(window).scroll(function(event){
// var st = $(this).scrollTop();
// if (st > lastScrollTop){
// $('#wp-install-nudge').slideDown( "slow", function() {});
// } else {
// $('#wp-install-nudge').slideUp( "slow", function() {});
// }
// lastScrollTop = st;
// });
// $(document).ready(function () {
// $("#wp-install-nudge").hide();
// });
$('#wp-install-nudge').click(function(){
Analytics.track("promotion__install_nudge__click",
{
user_email: "ruangguru@blog.com",
cta_link: widgetData.dataConfig.target_link
}).catch((err) => {
console.log("tracker error", err);
});
});
</script>
</footer>
<div id="__next"></div>
<script type="speculationrules">
{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/blog\/*"},{"not":{"href_matches":["\/blog\/wp-*.php","\/blog\/wp-admin\/*","\/blog\/wp-content\/uploads\/*","\/blog\/wp-content\/*","\/blog\/wp-content\/plugins\/*","\/blog\/wp-content\/themes\/ruangguru\/*","\/blog\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]}
</script>
<script>
async function getCtaDetails(ctaIds) {
const endpoint =
" https://gw.ruangguru.com/api/v3/rdb/p_ddgy8hjx5dxsqx/CTA/views/CTA?offset=0&limit=10&where=(ctaId,in," + ctaIds.toString() + ")";
try {
const response = await fetch(endpoint, {
headers: {
"xc-token": "-hG2nBDJzSj0agSgNtcJx97M4F02y54nUMoY6plJ",
},
});
const data = await response.json();
const ctaList = data?.list || [];
const ctaMap = new Map();
for (const ctaData of ctaList) {
ctaMap.set(ctaData.ctaId, ctaData);
}
return ctaMap;
} catch (error) {
console.error("Error fetching CTA details:", error);
return new Map();
}
}
async function replaceCTA() {
const regex = /{{cta\((‘(.*?)’|“(.*?)”)\)}}/g;
const bodyHTML = document.body.innerHTML;
const matches = Array.from(bodyHTML.matchAll(regex));
const ctaIds = matches.map((match) => {
let ctaId = match[2] ?? match[3];
return ctaId;
});
const ctaMap = await getCtaDetails(ctaIds);
const replacedHTML = bodyHTML.replace(regex, (match, _inner, ctaId1, ctaId2) => {
const ctaId = ctaId1 ?? ctaId2;
const ctaData = ctaMap.get(ctaId);
if (ctaData) {
return `<a href="https://cta.ruangguru.com/${ctaData.ctaId}" target="_${ctaData.targetType}" style="position:relative;display:inline-block;">
<img src="${ctaData.imageUrl}" loading="lazy" alt="${ctaData.altText}" />
</a>`;
} else {
return match;
}
});
document.body.innerHTML = replacedHTML;
}
</script>
<meta name="author" content="Ruangguru Tech Team">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PVNLZFT" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- Tracker -->
<script type="text/javascript" src="https://cdn-web-2.ruangguru.com/landing-page-web/public/staticpages/global-assets/js/cta.js"></script>
<script src="https://unpkg.com/@dotlottie/player-component@latest/dist/dotlottie-player.mjs" type="module"></script>
</body>
</html>