Kali ini, kita akan membahas tentang serba-serbi devisa, mulai dari pengertian, jenis-jenis, sumber penerimaan, hingga fungsinya bagi negara. Yuk, belajar bersama di artikel Ekonomi kelas 11 berikut!
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Pernahkah kamu mendengar istilah Tenaga Kerja Indonesia atau disingkat TKI? Yup, itu adalah sebutan untuk para warga Indonesia yang bekerja di luar negeri. Nah, ternyata, mereka kerap disebut sebagai pahlawan devisa bagi negara, lho! Kok bisa?
Jadi, TKI yang bekerja kan pasti mendapatkan penghasilan, nah penghasilannya itu dalam bentuk mata uang asing yang digunakan di negara mereka bekerja, tentunya.
Umumnya, para TKI ini akan mengirimkan sebagian penghasilannya ke tanah air. Nah, ketika TKI mengirimkan uang ke Indonesia, akan terjadi sumbangan kepada devisa negara karena mereka harus ‘membeli’ Rupiah dengan mata uang dari negara tempat mereka bekerja. Akibatnya, devisa negara pun bertambah. Begitu, teman-teman!
Potret Tenaga Kerja Indonesia (Sumber: infonews.id)
Hmm, tapi sebenarnya devisa itu apa sih?
Baca Juga: Pengertian, Tujuan, Instrumen, dan Jenis-Jenis Kebijakan Fiskal
Apa itu devisa? Devisa adalah semua barang yang dapat digunakan sebagai alat pembayaran internasional bagi suatu negara. Semua barang maksudnya apa aja, nih? Jadi, barang-barang yang termasuk devisa yaitu valuta asing, emas, dan surat berharga yang berlaku untuk pembayaran internasional.
Valuta asing sendiri merupakan mata uang yang diakui oleh semua negara di dunia. Contohnya antara lain, US Dollar, Yen Jepang, Euro, Poundsterling Inggris, Prancis-Franc, Switzerland-Franc, Dollar-Canada, dan DM (Deutshe Mark)- Germany.
Eits, tapi, tidak semua valuta asing bisa disebut devisa ya. Valuta asing yang bisa disebut devisa adalah valuta asing yang telah memiliki catatan kurs resmi di bank sentral yaitu Bank Indonesia. Paham ya, sampai sini?
Sekarang, yuk lanjut membahas tentang macam-macam devisa!
Jenis-Jenis Devisa
Devisa dibagi menjadi beberapa macam tergantung dari sumbernya dan wujudnya. Apa saja sih jenis-jenis atau macam-macam devisa? Yuk, kita bahas!
A. Jenis Devisa Berdasarkan Sumbernya
Berdasarkan sumbernya, devisa dibagi menjadi 2 macam, yaitu devisa kredit dan devisa umum.
1. Devisa Kredit
Devisa kredit adalah devisa yang berasal dari penanaman modal asing, utang, dan tabungan luar negeri. Contohnya, pemerintah memperoleh pinjaman dari Bank Dunia, kemudian pinjaman tersebut disalurkan kepada masyarakat dalam bentuk devisa kredit.
2. Devisa Umum
Devisa umum adalah devisa yang dapat diperoleh tanpa adanya kewajiban untuk mengembalikannya. Contohnya yaitu devisa dari hasil ekspor barang dan penyelenggaraan jasa-jasa internasional.
B. Jenis Devisa Berdasarkan Wujudnya
Berdasarkan wujudnya, devisa dibagi menjadi 2 macam, yaitu devisa kartal dan devisa giral.
1. Devisa Kartal
Devisa kartal adalah devisa yang berwujud uang logam dan uang kertas.
2. Devisa Giral
Devisa giral adalah devisa yang berwujud surat-surat berharga. Misalnya, wesel, cek, cek perjalanan (travellers cheque), IMO (International Money Order), dan lain-lain.
Baca Juga: Macam-Macam Kebijakan Perdagangan Internasional
Kira-kira, penghasilan TKI itu termasuk jenis devisa yang mana, ya? Yuk, coba jawab di kolom komentar!
—
Eits, kalau kamu bingung jawabannya apa, kamu bisa tanya di Roboguru, lho! Caranya, langsung aja klik banner di bawah ini, lalu Master Teacher akan membantu menjawab pertanyaanmu!
Sekarang, kita lanjut belajar lagi mengenai sumber penerimaan devisa bagi suatu negara. Check this out!
Sumber Penerimaan Devisa
Selain dari TKI, ada juga lho sumber devisa lainnya, antara lain seperti berikut:
1. Kegiatan Ekspor
Ekspor adalah kegiatan penjualan barang ke luar negeri. Kegiatan ekspor merupakan salah satu andalan negara untuk mendapatkan devisa. Semakin banyak ekspor yang dilakukan, maka semakin besar pula penerimaan devisa bagi negara.
2. Transaksi Jasa
Negara yang mengandalkan transaksi jasa umumnya merupakan negara yang tidak kaya dengan hasil sumber daya alam. Contohnya yaitu negara Singapura. Seperti yang kita tahu, Singapura memiliki luas negara yang tidak terlalu besar sehingga sumber daya alam yang dimiliki pun sangat terbatas. Oleh karena itu, Singapura lebih mengandalkan kegiatan transaksi jasa untuk memperoleh devisa.
B2eberapa contoh jasa yang dapat ditransaksikan yaitu pengiriman barang, perbankan, bandar udara, pelabuhan kapal laut, kapal-kapal layar ke luar negeri, dan lain sebagainya.
3. Kegiatan Pariwisata
Devisa juga dapat diperoleh dari kunjungan turis mancanegara. Turis asing akan menukarkan mata uang negara asal mereka dengan mata uang negara yang dikunjungi. Sehingga, valuta asing yang ditukarkan dengan mata uang negara tersebut merupakan devisa. Semakin banyak turis mancanegara yang berkunjung ke suatu negara, maka semakin tinggi pula penerimaan devisa negara tersebut.
4. Pendanaan Luar Negeri
Pendanaan luar negeri meliputi investasi dan pinjaman luar negeri. Nah, pinjaman luar negeri ini menjadi salah satu andalan sumber devisa, khususnya bagi negara-negara yang sedang berkembang. Pinjaman tersebut biasanya digunakan untuk membiayai kegiatan impor barang atau jasa.
5. Hibah dan Hadiah dari Luar Negeri
Hibah atau hadiah merupakan sumber devisa yang sifatnya tidak mengikat. Jika hibah yang diterima berupa mata uang asing, maka cadangan devisa negara tersebut akan bertambah.
6. Bunga atau Pendapatan dari Investasi
Warga negara yang mempunyai investasi, tabungan, atau perusahaan di luar negeri, tentu akan mendapatkan devisa jika investasi atau perusahaannya itu memperoleh keuntungan berupa bunga atau dividen.
Baca Juga: Bentuk dan Lembaga Kerja Sama Ekonomi Internasional
Fungsi Devisa
Devisa juga memiliki berbagai manfaat lho bagi negara. Fungsi devisa antara lain:
- Sebagai alat tukar internasional
- Sebagai alat pembayaran barang-barang dan jasa impor
- Sebagai alat pembayaran cicilan utang luar negeri
- Sebagai alat stabilisasi mata uang suatu negara
- Sebagai alat pembiayaan hubungan luar negeri
- Sebagai sumber pendapatan negara untuk membiayai pembangunan
Biar lebih simple dan compact, kamu boleh simpan infografik berikut untuk membantu kamu belajar di rumah. Here it is!
Gimana, sudah paham kan tentang devisa, meliputi pengertian, jenis-jenis, sumber penerimaan dan fungsinya. Kalau kamu penasaran dengan materi lainnya, yuk cari tahu di ruangbelajar! Kamu bisa belajar seru dengan ratusan video animasi yang super keren, lho!
Referensi:
Alam S. (2014). Ekonomi untuk SMA dan MA Kelas XI. Jakarta: Erlangga.
Sumber Gambar:
Gambar ‘Potret Tenaga Kerja Indonesia’ [Daring]. Tautan:https://infonews.id/baca-2963-ribuan-pekerja-migran-asal-sampang-kembali-ke-kampung-halaman (Diakses: 8 Juni 2022)
Artikel ini pertama kali ditulis oleh Aulia Annaisabiru E dan telah diperbarui pada 14 Mei 2025.
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<h1 class="content-title">
Devisa: Pengertian, Jenis, Sumber, dan Fungsi | Ekonomi Kelas 11 </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/kenya-swawikanti" class="">Kenya Swawikanti</a> </p>
<p class="content-info"><span>May 14, 2025 • </span> <span>5 minutes read</span></p>
<br />
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<p style="text-align: justify;"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Mengenal%20Devisa.jpg" alt="Mengenal Devisa" width="820" /></p>
<blockquote>
<p style="text-align: center;"><em>Kali ini, kita akan membahas tentang serba-serbi devisa, mulai dari pengertian, jenis-jenis, sumber penerimaan, hingga fungsinya bagi negara. Yuk, belajar bersama 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!</em></p>
<p style="text-align: center;">—</p>
</blockquote>
<p> </p>
<p style="text-align: justify;">Pernahkah kamu mendengar istilah <strong><a href="/blog/pengertian-tenaga-kerja-angkatan-kerja-dan-kesempatan-kerja" target="_blank" rel="noopener">Tenaga Kerja</a></strong> Indonesia atau disingkat TKI? Yup, itu adalah sebutan untuk para warga Indonesia yang bekerja di luar negeri. Nah, ternyata, mereka kerap disebut sebagai pahlawan devisa bagi negara, lho! Kok bisa?</p>
<p style="text-align: justify;">Jadi, TKI yang bekerja kan pasti mendapatkan penghasilan, nah penghasilannya itu dalam bentuk mata uang asing yang digunakan di negara mereka bekerja, tentunya.</p>
<p style="text-align: justify;">Umumnya, para TKI ini akan mengirimkan sebagian penghasilannya ke tanah air. Nah, ketika TKI mengirimkan uang ke Indonesia, akan terjadi sumbangan kepada devisa negara karena mereka harus ‘membeli’ Rupiah dengan mata uang dari negara tempat mereka bekerja. Akibatnya, devisa negara pun bertambah. Begitu, teman-teman!</p>
<p style="text-align: justify;"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/potret%20tenaga%20kerja%20indonesia.jpg" alt="potret tenaga kerja indonesia" width="600" /></p>
<p style="text-align: center;">Potret Tenaga Kerja Indonesia (Sumber: infonews.id)</p>
<p> </p>
<p style="text-align: left;">Hmm, tapi sebenarnya devisa itu apa sih?</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="/blog/mengenal-kebijakan-fiskal" target="_blank" rel="noopener">Pengertian, Tujuan, Instrumen, dan Jenis-Jenis Kebijakan Fiskal</a></strong></p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Pengertian Devisa</span></h2>
<p style="text-align: justify;">Apa itu devisa? Devisa adalah semua barang yang dapat digunakan sebagai alat pembayaran internasional bagi suatu negara. Semua barang maksudnya apa aja, nih? Jadi, barang-barang yang termasuk devisa yaitu valuta asing, emas, dan surat berharga yang berlaku untuk pembayaran internasional.</p>
<p style="text-align: justify;">Valuta asing sendiri merupakan mata uang yang diakui oleh semua negara di dunia. Contohnya antara lain, US Dollar, Yen Jepang, Euro, Poundsterling Inggris, Prancis-Franc, Switzerland-Franc, Dollar-Canada, dan DM (Deutshe Mark)- Germany.</p>
<p style="text-align: justify;">Eits, tapi, tidak semua valuta asing bisa disebut devisa ya. Valuta asing yang bisa disebut devisa adalah valuta asing yang telah memiliki catatan kurs resmi di bank sentral yaitu Bank Indonesia. Paham ya, sampai sini?</p>
<p style="text-align: justify;">Sekarang, yuk lanjut membahas tentang macam-macam devisa!</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Jenis-Jenis Devisa</span></h2>
<p style="text-align: justify;">Devisa dibagi menjadi beberapa macam tergantung dari sumbernya dan wujudnya. Apa saja sih jenis-jenis atau macam-macam devisa? Yuk, kita bahas!</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">A. Jenis Devisa Berdasarkan Sumbernya</span></h3>
<p style="text-align: justify;">Berdasarkan sumbernya, devisa dibagi menjadi 2 macam, yaitu devisa kredit dan devisa umum.</p>
<p> </p>
<h4 style="text-align: justify;">1. Devisa Kredit</h4>
<p style="text-align: justify;">Devisa kredit adalah devisa yang berasal dari penanaman modal asing, utang, dan tabungan luar negeri. Contohnya, pemerintah memperoleh pinjaman dari Bank Dunia, kemudian pinjaman tersebut disalurkan kepada masyarakat dalam bentuk devisa kredit.</p>
<p> </p>
<h4 style="text-align: justify;">2. Devisa Umum</h4>
<p style="text-align: justify;">Devisa umum adalah devisa yang dapat diperoleh tanpa adanya kewajiban untuk mengembalikannya. Contohnya yaitu devisa dari hasil ekspor barang dan penyelenggaraan jasa-jasa internasional.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">B. Jenis Devisa Berdasarkan Wujudnya</span></h3>
<p style="text-align: justify;">Berdasarkan wujudnya, devisa dibagi menjadi 2 macam, yaitu devisa kartal dan devisa giral.</p>
<p> </p>
<h4 style="text-align: justify;">1. Devisa Kartal</h4>
<p style="text-align: justify;">Devisa kartal adalah devisa yang berwujud uang logam dan uang kertas.</p>
<p> </p>
<h4 style="text-align: justify;">2. Devisa Giral</h4>
<p style="text-align: justify;">Devisa giral adalah devisa yang berwujud surat-surat berharga. Misalnya, wesel, cek, cek perjalanan (travellers cheque), IMO (International Money Order), dan lain-lain.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="/blog/kebijakan-perdagangan-internasional" target="_blank" rel="noopener">Macam-Macam Kebijakan Perdagangan Internasional</a></strong></p>
<p style="text-align: justify;">Kira-kira, penghasilan TKI itu termasuk jenis devisa yang mana, ya? Yuk, coba jawab di kolom komentar!</p>
<p style="text-align: center;">—</p>
<blockquote>
<p style="text-align: center;"><em>Eits, kalau kamu bingung jawabannya apa, kamu bisa tanya di Roboguru, lho! Caranya, langsung aja klik banner di bawah ini, lalu Master Teacher akan membantu menjawab pertanyaanmu!</em></p>
</blockquote>
<p style="text-align: justify;"><a href="https://roboguru.ruangguru.com/" target="_blank" rel="noopener"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/cta/8b4612fa-3a65-4f41-b9c6-497f89f457ad.jpeg" alt="IDN CTA Blog Roboguru Ruangguru 2022" /></a></p>
<p> </p>
<p style="text-align: justify;">Sekarang, kita lanjut belajar lagi mengenai sumber penerimaan devisa bagi suatu negara. Check this out!</p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Sumber Penerimaan Devisa</span></h2>
<p style="text-align: justify;">Selain dari TKI, ada juga lho sumber devisa lainnya, antara lain seperti berikut:</p>
<p style="text-align: justify;"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Sumber%20Penerimaan%20Devisa.jpg" alt="Sumber Penerimaan Devisa" width="600" /></p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">1. Kegiatan Ekspor</span></h3>
<p style="text-align: justify;">Ekspor adalah kegiatan penjualan barang ke luar negeri. Kegiatan ekspor merupakan salah satu andalan negara untuk mendapatkan devisa. Semakin banyak ekspor yang dilakukan, maka semakin besar pula penerimaan devisa bagi negara.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">2. Transaksi Jasa</span></h3>
<p style="text-align: justify;">Negara yang mengandalkan transaksi jasa umumnya merupakan negara yang tidak kaya dengan hasil sumber daya alam. Contohnya yaitu negara Singapura. Seperti yang kita tahu, Singapura memiliki luas negara yang tidak terlalu besar sehingga sumber daya alam yang dimiliki pun sangat terbatas. Oleh karena itu, Singapura lebih mengandalkan kegiatan transaksi jasa untuk memperoleh devisa.</p>
<p style="text-align: justify;">B2eberapa contoh jasa yang dapat ditransaksikan yaitu pengiriman barang, perbankan, bandar udara, pelabuhan kapal laut, kapal-kapal layar ke luar negeri, dan lain sebagainya.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">3. Kegiatan Pariwisata</span></h3>
<p style="text-align: justify;">Devisa juga dapat diperoleh dari kunjungan turis mancanegara. Turis asing akan menukarkan mata uang negara asal mereka dengan mata uang negara yang dikunjungi. Sehingga, valuta asing yang ditukarkan dengan mata uang negara tersebut merupakan devisa. Semakin banyak turis mancanegara yang berkunjung ke suatu negara, maka semakin tinggi pula penerimaan devisa negara tersebut.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">4. Pendanaan Luar Negeri</span></h3>
<p style="text-align: justify;">Pendanaan luar negeri meliputi investasi dan pinjaman luar negeri. Nah, pinjaman luar negeri ini menjadi salah satu andalan sumber devisa, khususnya bagi negara-negara yang sedang berkembang. Pinjaman tersebut biasanya digunakan untuk membiayai kegiatan impor barang atau jasa.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">5. Hibah dan Hadiah dari Luar Negeri</span></h3>
<p style="text-align: justify;">Hibah atau hadiah merupakan sumber devisa yang sifatnya tidak mengikat. Jika hibah yang diterima berupa mata uang asing, maka cadangan devisa negara tersebut akan bertambah.</p>
<p> </p>
<h3 style="text-align: justify;"><span style="font-size: 14pt;">6. Bunga atau Pendapatan dari Investasi</span></h3>
<p style="text-align: justify;">Warga negara yang mempunyai investasi, tabungan, atau perusahaan di luar negeri, tentu akan mendapatkan devisa jika investasi atau perusahaannya itu memperoleh keuntungan berupa bunga atau dividen.</p>
<p style="text-align: justify;"><strong>Baca Juga: <a href="/blog/bentuk-dan-lembaga-kerja-sama-ekonomi-internasional" target="_blank" rel="noopener">Bentuk dan Lembaga Kerja Sama Ekonomi Internasional</a></strong></p>
<p> </p>
<h2 style="text-align: justify;"><span style="font-size: 18pt;">Fungsi Devisa</span></h2>
<p style="text-align: justify;">Devisa juga memiliki berbagai manfaat lho bagi negara. Fungsi devisa antara lain:</p>
<ul>
<li>Sebagai alat tukar internasional</li>
<li>Sebagai alat pembayaran barang-barang dan jasa impor</li>
<li>Sebagai alat pembayaran cicilan utang luar negeri</li>
<li>Sebagai alat stabilisasi mata uang suatu negara</li>
<li>Sebagai alat pembiayaan hubungan luar negeri</li>
<li>Sebagai sumber pendapatan negara untuk membiayai pembangunan</li>
</ul>
<p> </p>
<p style="text-align: justify;">Biar lebih <em>simple dan compact</em>, kamu boleh simpan infografik berikut untuk membantu kamu belajar di rumah. <em>Here it is</em>!</p>
<p style="text-align: justify;"><img decoding="async" class="aligncenter" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/Manfaat%20Devisa%20bagi%20Negara.jpg" alt="Manfaat Devisa bagi Negara" width="600" /></p>
<p> </p>
<p style="text-align: justify;">Gimana, sudah paham kan tentang devisa, meliputi pengertian, jenis-jenis, sumber penerimaan dan fungsinya. Kalau kamu penasaran dengan materi lainnya, yuk cari tahu di <strong><a href="https://www.ruangguru.com/ruangbelajar" target="_blank" rel="noopener">ruangbelajar</a>!</strong> Kamu bisa belajar seru dengan ratusan video animasi yang super keren, lho!</p>
<p style="text-align: justify;"><a href="https://bayar.ruangguru.com/"><img decoding="async" src="https://cdn-web-2.ruangguru.com/landing-pages/assets/ceb472c4-1feb-4a1d-afdf-4f92234a63d0.jpg" alt="CTA Ruangguru" /></a></p>
<p style="text-align: justify;"><strong>Referensi:</strong></p>
<p style="text-align: justify;">Alam S. (2014). Ekonomi untuk SMA dan MA Kelas XI. Jakarta: Erlangga.</p>
<p style="text-align: justify;"><strong>Sumber Gambar:</strong></p>
<p style="text-align: left;">Gambar ‘Potret Tenaga Kerja Indonesia’ [Daring]. Tautan:https://infonews.id/baca-2963-ribuan-pekerja-migran-asal-sampang-kembali-ke-kampung-halaman (Diakses: 8 Juni 2022)</p>
<p> </p>
<p style="text-align: left;"><em>Artikel ini pertama kali ditulis oleh Aulia Annaisabiru E dan telah diperbarui pada 14 Mei 2025.</em></p>
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<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">
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<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">
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<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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</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>