Artikel ini adalah rangkuman acara NGUPAS (Ngumpul Asyik) Vol. 4 dari tim ruangpengajar pada tanggal 28 Agustus 2020 melalui live streaming di Zoom dengan pembicara Donny Justin, Founder Pundireceh.com dan dimoderatori oleh Irene Anwar, Host Podcast Pundireceh.com
—–
“Jika Anda gagal merencanakan, Anda berencana untuk gagal.” Begitu ungkapan Donny Justin, Financial Blogger dan Founder pundireceh.com. Perencanaan keuangan penting dilakukan agar Anda bisa belajar disiplin dan mengevaluasi kestabilan kondisi keuangan Anda saat ini. Selain itu, Anda pun bisa mendapat petunjuk arah yang lebih jelas untuk mencapai tujuan finansial Anda sebagai pengajar.
Berangkat dari masalah umum yang terjadi, kini banyak pengajar yang memiliki masalah dengan keuangan pribadinya dari dulu hingga sekarang. Nah untuk menghindari potensi kesulitan finansial di kemudian hari, perencanaan keuangan yang cermat dan tepat sangat penting agar tercapai kesuksesan finansial sejak dini.
Dalam acara webinar yang disampaikan oleh Donny Justin, financial planning atau perencanaan keuangan adalah evaluasi kondisi keuangan saat ini dan merencanakan ke depan untuk mencapai tujuan finansial.
Baca juga: Mau Jadi Pengajar Spesial? Ini Rahasianya ala Amalia Maulana
Financial Planning (Sumber: bisnismuda.id)
Donny Justin menegaskan, perencanaan keuangan dapat dilakukan oleh diri sendiri, karena semua orang pasti berurusan dengan keuangan pribadi. Bahkan, seorang anak kecil juga bertanggung jawab mengelola uang sakunya, seperti untuk beramal hingga menabung untuk membeli mainannya, begitupun untuk para pengajar. Semakin bertambah usia hal-hal keuangan menjadi lebih kompleks, seperti utang, investasi, asuransi dan lain-lain.
Langkah Membuat Rencana Keuangan
Menurut Donny Justin ada beberapa langkah yang harus dilakukan dalam membuat rencana keuangan, di antaranya sebagai berikut:
1. Cek kesehatan keuangan
- Jumlah aset vs hutang
- Ada asuransi kesehatan dan asuransi jiwa
- Tingkat risiko kehilangan pendapatan
- Seberapa besar tanggungan saat ini (orang tua, istri, anak)
2. Tentukan target
- Tujuan jangka pendek, menengah, dan jangka panjang
- Buat rencana cadangan (Plan B)
3. Membuat perencanaan
- Membuat anggaran bulanan
- Menambah pendapatan (pekerjaan sampingan atau usaha)
4. Eksekusi, ingat target yang sudah ditetapkan
5. Evaluasi, cek secara berkala (6 bulan atau setahun sekali)
Sebelum Anda melakukan perencanaan keuangan jangka panjang, ada baiknya Anda mulai melakukan perencanaan keuangan untuk jangka pendek, mulai dari pengaturan arus kas, mengatur uang yang masuk (pendapatan) dan uang yang keluar (pengeluaran), pengaturan utang, pengaturan dana darurat, asuransi, dan terakhir masuk ke rencana jangka menengah dan panjang.
Langkah membuat financial planning (Sumber: hipwee.com)
Tidak hanya itu saja dalam penerapan perencanaan keuangan bagi para pengajar, untuk perencanaan keuangan kebutuhan jangka pendek bagi pengajar ruangles yang mengajar melalui tatap muka bisa membuat anggaran untuk keperluan seperti membeli motor atau kendaraan lainnya, sedangkan untuk pengajar ruanglesonline dan ruangbelajar Plus yang mengajar online bisa membuat anggaran untuk keperluan seperti membeli handphone, laptop, dan lain-lain. Untuk perencanaan kebutuhan jangka menengah bisa membuat anggaran untuk biaya S2 dan biaya nikah, lalu untuk kebutuhan jangka panjang contohnya bisa membuat anggaran untuk membeli rumah.
Cara Mencari Tahu Jumlah Pengeluaran
Nah, berikut ini cara mencari tahu pengeluaran yang bisa ditelusuri dengan menggunakan Microsoft Excel atau aplikasi spending tracker menurut Donny Justin.
- Kategorikan pengeluaran dan masukan transaksi pengeluaran per hari
- Buat grafik per bulan dan temukan pengeluaran yang bisa ditekan atau dihilangkan untuk bulan depan
- Kurangi perlahan total pengeluaran yang bisa dihilangkan metodenya dengan mengurangi pengeluaran sedikit demi sedikit sampai seminimal mungkin
- Pilih dan susun prioritas keuangan dengan menentukan wants (keinginan) dan needs (kebutuhan)
-
Check & recheck, cari alternatif yang lebih murah seperti brand lain atau spesifikasi yang cukup bagus dengan harga murah.
Donny Justin pun menambahkan bahwa ada 3 cara untuk mempersiapkan Plan B dengan membuat rencana cadangan jika rencana pertama tidak berjalan lancar:
- Dana darurat: Untuk menghindari risiko seperti sakit, kebutuhan mendesak, kehilangan pekerjaan. Jumlah yang harus ditabung untuk dana darurat 6-12 bulan pengeluaran dan tergantung stabil atau tidak pekerjaan. Anda dapat simpan dana darurat di sarana investasi berlikuiditas tinggi dan berisiko kecil seperti fixed deposit, surat obligasi pemerintah, dan reksa dana pasar uang.
- Asuransi: Untuk menghindari risiko mati muda jika mempunyai asuransi jiwa dan biaya masuk rumah sakit jika memiliki asuransi kesehatan.
- Wasiat: Untuk menghindari risiko meninggal secara mendadak, harta menjadi rebutan di pengadilan dan harta dibekukan karena menunggu keputusan pengadilan, keluarga kesulitan mendapatkan dana untuk keperluan sehari-hari
Dalam financial planning perlu juga diketahui, menggunakan kartu kredit untuk berbagai kebutuhan transaksi keuangan merupakan langkah praktis yang banyak disukai. Jika dibandingkan dengan transaksi tunai, penggunaan kartu kredit memang terasa lebih simpel dan mudah untuk dilakukan bahkan lebih menguntungkan. Namun di lain sisi, hal ini justru kerap membuat pengguna kartu kredit sulit mengontrol penggunaan fasilitas keuangan yang satu ini. Alih-alih membeli berbagai kebutuhan penting, berbagai transaksi yang tidak perlu juga bisa saja dilakukan dengan cepat.
Bijak dalam menggunakan kartu kredit (Sumber: instabill.com)
Donny Justin berpesan, memiliki kebiasaan menggunakan kartu kredit untuk membeli berbagai barang yang tidak perlu merupakan hal yang sangat keliru. Bukan hanya kesulitan dalam melakukan pembayaran, dalam kasus yang lebih serius, hal ini bahkan bisa saja membuat Anda mengalami kesulitan keuangan. Maka dari itu, pastikan selalu menggunakan kartu kredit dengan bijak, agar masalah seperti ini bisa dihindari.
Berikut ini yang perlu dipahami dalam menggunakan kartu kredit.
1. Kelebihan menggunakan kartu kredit:
- Benefit poin, promo, diskon, cashback.
- Proteksi terhadap penipuan
- Untuk kebutuhan darurat (masuk UGD)
2. Kekurangan menggunakan kartu kredit:
- Bunga relatif tinggi
- Biaya tahunan, keterlambatan, konversi valas, penarikan tunai, dan biaya lain-lain
3. Yang harus dilakukan dan dihindari jika memiliki kartu kredit:
- Bayar penuh tagihan
- Minta pembatalan biaya (biaya tahunan dan keterlambatan)
- Batasi jumlah kartu
- Blok kartu kredit kalau hilang dan laporkan transaksi yang janggal
- Ingat kapan jatuh tempo pembayaran.
—–
Semoga pembahasan kali ini cukup membantu Anda para pengajar dalam melakukan financial planning yang efektif. Anda senang mengajar? Anda punya kenalan yang suka mengajar? Yuk, daftarkan diri Anda dan ajak rekan Anda untuk daftar di ruangpengajar!
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<h1 class="content-title">
Tips Financial Planning yang Efektif untuk Pengajar Menurut Donny Justin </h1>
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<p class="content-author"><a href="https://www.ruangguru.com/blog/author/ruangguru" class="">Ruangguru</a> </p>
<p class="content-info"><span>September 9, 2020 • </span> <span>5 minutes read</span></p>
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<p style="text-align: justify;"><span style="font-size: 12pt;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/SG_-_Ngupas-_Financial_Planning-01.jpg" alt="Financial planning menurut donny justin" width="820" style="width: 820px;"></span></p>
<p><span id="more-6181"></span></p>
<p style="text-align: justify;"><span style="font-size: 12pt;">Artikel ini adalah rangkuman acara NGUPAS (Ngumpul Asyik) Vol. 4 dari tim ruangpengajar pada tanggal 28 Agustus 2020 melalui </span><em><span style="font-size: 12pt;">live streaming</span></em><span style="font-size: 12pt;"> di Zoom dengan pembicara Donny Justin, Founder Pundireceh.com dan dimoderatori oleh Irene Anwar, Host Podcast Pundireceh.com </span></p>
<p style="text-align: center;"><span style="font-size: 12pt;">—–</span></p>
<p style="text-align: justify;">“Jika Anda gagal merencanakan, Anda berencana untuk gagal.” Begitu ungkapan Donny Justin, Financial Blogger dan Founder pundireceh.com. Perencanaan keuangan penting dilakukan agar Anda bisa belajar disiplin dan mengevaluasi kestabilan kondisi keuangan Anda saat ini. Selain itu, Anda pun bisa mendapat petunjuk arah yang lebih jelas untuk mencapai tujuan finansial Anda sebagai pengajar. </p>
<p style="text-align: justify;">Berangkat dari masalah umum yang terjadi, kini banyak pengajar yang memiliki masalah dengan keuangan pribadinya dari dulu hingga sekarang. Nah untuk menghindari potensi kesulitan finansial di kemudian hari, perencanaan keuangan yang cermat dan tepat sangat penting agar tercapai kesuksesan finansial sejak dini.</p>
<p style="text-align: justify;">Dalam acara webinar yang disampaikan oleh Donny Justin, <em>financial planning</em> atau perencanaan keuangan adalah evaluasi kondisi keuangan saat ini dan merencanakan ke depan untuk mencapai tujuan finansial.</p>
<p style="text-align: justify;"><strong><span style="color: #990100;">Baca juga:</span> <a href="/jadi-pengajar-spesial-ala-amalia-maulana" rel="noopener" target="_blank">Mau Jadi Pengajar Spesial? Ini Rahasianya ala Amalia Maulana</a></strong></p>
<p style="text-align: center;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/20200712233630000000financialplanning.jpg" alt="langkah awal financial planning" width="600" style="width: 600px; display: block; margin: 0px auto;">Financial Planning (Sumber: bisnismuda.id)</p>
<p style="text-align: justify;">Donny Justin menegaskan, perencanaan keuangan dapat dilakukan oleh diri sendiri, karena semua orang pasti berurusan dengan keuangan pribadi. Bahkan, seorang anak kecil juga bertanggung jawab mengelola uang sakunya, seperti untuk beramal hingga menabung untuk membeli mainannya, begitupun untuk para pengajar. Semakin bertambah usia hal-hal keuangan menjadi lebih kompleks, seperti utang, investasi, asuransi dan lain-lain. </p>
<h2 style="text-align: justify; font-size: 24px;"><span style="color: #741b47;"><strong>Langkah Membuat Rencana Keuangan</strong></span></h2>
<p style="text-align: justify;">Menurut Donny Justin ada beberapa langkah yang harus dilakukan dalam membuat rencana keuangan, di antaranya sebagai berikut: </p>
<p>1. Cek kesehatan keuangan</p>
<ol style="list-style-type: lower-alpha;">
<li>Jumlah aset vs hutang</li>
<li>Ada asuransi kesehatan dan asuransi jiwa</li>
<li>Tingkat risiko kehilangan pendapatan</li>
<li>Seberapa besar tanggungan saat ini (orang tua, istri, anak)</li>
</ol>
<p>2. Tentukan target</p>
<ol style="list-style-type: lower-alpha;">
<li>Tujuan jangka pendek, menengah, dan jangka panjang</li>
<li>Buat rencana cadangan (<em>Plan</em> B)</li>
</ol>
<p>3. Membuat perencanaan</p>
<ol style="list-style-type: lower-alpha;">
<li>Membuat anggaran bulanan</li>
<li>Menambah pendapatan (pekerjaan sampingan atau usaha)</li>
</ol>
<p>4. Eksekusi, ingat target yang sudah ditetapkan</p>
<p>5. Evaluasi, cek secara berkala (6 bulan atau setahun sekali)</p>
<p style="text-align: justify;">Sebelum Anda melakukan perencanaan keuangan jangka panjang, ada baiknya Anda mulai melakukan perencanaan keuangan untuk jangka pendek, mulai dari pengaturan arus kas, mengatur uang yang masuk (pendapatan) dan uang yang keluar (pengeluaran), pengaturan utang, pengaturan dana darurat, asuransi, dan terakhir masuk ke rencana jangka menengah dan panjang.</p>
<p style="text-align: center;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/hipwee-financial3-750x484.jpg" alt="Langkah membuat financial planning" width="600" style="width: 600px; display: block; margin: 0px auto;">Langkah membuat financial planning (Sumber: hipwee.com)</p>
<p style="text-align: justify;">Tidak hanya itu saja dalam penerapan perencanaan keuangan bagi para pengajar, untuk perencanaan keuangan kebutuhan jangka pendek bagi pengajar ruangles yang mengajar melalui tatap muka bisa membuat anggaran untuk keperluan seperti membeli motor atau kendaraan lainnya, sedangkan untuk pengajar ruanglesonline dan ruangbelajar Plus yang mengajar online bisa membuat anggaran untuk keperluan seperti membeli handphone, laptop, dan lain-lain. Untuk perencanaan kebutuhan jangka menengah bisa membuat anggaran untuk biaya S2 dan biaya nikah, lalu untuk kebutuhan jangka panjang contohnya bisa membuat anggaran untuk membeli rumah. </p>
<h2 style="text-align: justify; font-size: 24px;"><span style="color: #741b47;"><strong>Cara Mencari Tahu Jumlah Pengeluaran</strong></span></h2>
<p style="text-align: justify;">Nah, berikut ini cara mencari tahu pengeluaran yang bisa ditelusuri dengan menggunakan Microsoft Excel atau aplikasi <em>spending tracker</em> menurut Donny Justin.</p>
<ol>
<li>Kategorikan pengeluaran dan masukan transaksi pengeluaran per hari</li>
<li>Buat grafik per bulan dan temukan pengeluaran yang bisa ditekan atau dihilangkan untuk bulan depan</li>
<li>Kurangi perlahan total pengeluaran yang bisa dihilangkan metodenya dengan mengurangi pengeluaran sedikit demi sedikit sampai seminimal mungkin</li>
<li>Pilih dan susun prioritas keuangan dengan menentukan <em>wants </em>(keinginan) dan <em>needs </em>(kebutuhan)</li>
<li><em>Check & recheck,</em> cari alternatif yang lebih murah seperti <em>brand </em>lain atau spesifikasi yang cukup bagus dengan harga murah.</li>
</ol>
<p style="text-align: justify;">Donny Justin pun menambahkan bahwa ada 3 cara untuk mempersiapkan <em>Plan </em>B dengan membuat rencana cadangan jika rencana pertama tidak berjalan lancar:</p>
<ol>
<li>Dana darurat: Untuk menghindari risiko seperti sakit, kebutuhan mendesak, kehilangan pekerjaan. Jumlah yang harus ditabung untuk dana darurat 6-12 bulan pengeluaran dan tergantung stabil atau tidak pekerjaan. Anda dapat simpan dana darurat di sarana investasi berlikuiditas tinggi dan berisiko kecil seperti <em>fixed deposit</em>, surat obligasi pemerintah, dan reksa dana pasar uang. </li>
<li>Asuransi: Untuk menghindari risiko mati muda jika mempunyai asuransi jiwa dan biaya masuk rumah sakit jika memiliki asuransi kesehatan.</li>
<li>Wasiat: Untuk menghindari risiko meninggal secara mendadak, harta menjadi rebutan di pengadilan dan harta dibekukan karena menunggu keputusan pengadilan, keluarga kesulitan mendapatkan dana untuk keperluan sehari-hari</li>
</ol>
<p style="text-align: justify;">Dalam <em>financial planning</em> perlu juga diketahui, menggunakan kartu kredit untuk berbagai kebutuhan transaksi keuangan merupakan langkah praktis yang banyak disukai. Jika dibandingkan dengan transaksi tunai, penggunaan kartu kredit memang terasa lebih simpel dan mudah untuk dilakukan bahkan lebih menguntungkan. Namun di lain sisi, hal ini justru kerap membuat pengguna kartu kredit sulit mengontrol penggunaan fasilitas keuangan yang satu ini. Alih-alih membeli berbagai kebutuhan penting, berbagai transaksi yang tidak perlu juga bisa saja dilakukan dengan cepat. </p>
<p style="text-align: center;"><img decoding="async" src="https://cdn-web.ruangguru.com/landing-pages/assets/hs/online-credit-card-processing-instabill.jpg" alt="Bijak dalam menggunakan kartu kredit" width="600" style="width: 600px; display: block; margin: 0px auto;">Bijak dalam menggunakan kartu kredit (Sumber: instabill.com)</p>
<p style="text-align: justify;">Donny Justin berpesan, memiliki kebiasaan menggunakan kartu kredit untuk membeli berbagai barang yang tidak perlu merupakan hal yang sangat keliru. Bukan hanya kesulitan dalam melakukan pembayaran, dalam kasus yang lebih serius, hal ini bahkan bisa saja membuat Anda mengalami kesulitan keuangan. Maka dari itu, pastikan selalu menggunakan kartu kredit dengan bijak, agar masalah seperti ini bisa dihindari. </p>
<p style="text-align: justify;">Berikut ini yang perlu dipahami dalam menggunakan kartu kredit.</p>
<p>1. Kelebihan menggunakan kartu kredit: </p>
<ol style="list-style-type: lower-alpha;">
<li>Benefit poin, promo, diskon, cashback.</li>
<li>Proteksi terhadap penipuan</li>
<li>Untuk kebutuhan darurat (masuk UGD)</li>
</ol>
<p>2. Kekurangan menggunakan kartu kredit:</p>
<ol style="list-style-type: lower-alpha;">
<li>Bunga relatif tinggi</li>
<li>Biaya tahunan, keterlambatan, konversi valas, penarikan tunai, dan biaya lain-lain</li>
</ol>
<p>3. Yang harus dilakukan dan dihindari jika memiliki kartu kredit:</p>
<ol style="list-style-type: lower-alpha;">
<li>Bayar penuh tagihan</li>
<li>Minta pembatalan biaya (biaya tahunan dan keterlambatan)</li>
<li>Batasi jumlah kartu</li>
<li>Blok kartu kredit kalau hilang dan laporkan transaksi yang janggal</li>
<li>Ingat kapan jatuh tempo pembayaran.</li>
</ol>
<p style="text-align: center;">—–</p>
<p style="text-align: justify;">Semoga pembahasan kali ini cukup membantu Anda para pengajar dalam melakukan<em> financial planning</em> yang efektif. Anda senang mengajar? Anda punya kenalan yang suka mengajar? Yuk, daftarkan diri Anda dan ajak rekan Anda untuk daftar di <a href="https://marketing.ruangguru.com/jadi-pengajar" rel="noopener" target="_blank"><strong>ruangpengajar</strong></a>! </p>
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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>