{"id":23958,"date":"2026-08-05T13:56:14","date_gmt":"2026-08-05T06:56:14","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=23958"},"modified":"2026-08-05T14:01:06","modified_gmt":"2026-08-05T07:01:06","slug":"deposito-100-juta-dapat-berapa","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/","title":{"rendered":"Deposito Rp100 Juta Dapat Bunga Berapa per Bulan? Simak Contoh Perhitungannya"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"23958\" class=\"elementor elementor-23958\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18f2eea1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18f2eea1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e8d5ffd\" data-id=\"5e8d5ffd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-384e8a09 elementor-widget elementor-widget-text-editor\" data-id=\"384e8a09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Memiliki dana Rp100 juta sering menjadi titik awal bagi banyak orang untuk mulai mempertimbangkan deposito. Nilainya sudah cukup besar untuk memperoleh bunga yang lebih menarik dibanding tabungan biasa, tetapi masih relatif terjangkau bagi banyak investor yang ingin menyimpan dana secara lebih terencana.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lalu muncul pertanyaan yang paling sering dicari di Google: &#8220;<\/span><i><span style=\"font-weight: 400;\">Kalau deposito Rp100 juta, dapat bunga berapa per bulan?<\/span><\/i><span style=\"font-weight: 400;\">&#8220;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banyak orang mengira deposito dengan bunga 5% per tahun berarti akan menghasilkan 5% setiap bulan. Padahal, bunga deposito umumnya dinyatakan dalam satuan per tahun (per annum atau p.a.), sehingga hasil yang diterima harus disesuaikan lagi dengan jangka waktu penyimpanan, metode perhitungan bank, dan ketentuan pajak yang berlaku.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, dua deposito dengan nominal yang sama belum tentu menghasilkan bunga yang sama apabila memiliki suku bunga atau tenor yang berbeda. Karena itu, sebelum memilih deposito, penting memahami bagaimana bunga sebenarnya dihitung agar Anda memiliki gambaran yang lebih realistis mengenai potensi hasil yang akan diterima.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Benarkah_Deposito_Rp100_Juta_Selalu_Memberikan_Bunga_yang_Sama\" >Benarkah Deposito Rp100 Juta Selalu Memberikan Bunga yang Sama?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Bagaimana_Cara_Menghitung_Bunga_Deposito_Rp100_Juta\" >Bagaimana Cara Menghitung Bunga Deposito Rp100 Juta?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Deposito_Rp100_Juta_Dapat_Bunga_Berapa\" >Deposito Rp100 Juta Dapat Bunga Berapa?&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Hitung_Estimasi_Bunga_Deposito_Rp100_Juta\" >Hitung Estimasi Bunga Deposito Rp100 Juta<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Mana_yang_Lebih_Penting_Bunga_Tinggi_atau_Hasil_Bersih\" >Mana yang Lebih Penting: Bunga Tinggi atau Hasil Bersih?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Setelah_Menghitung_Deposito_Apa_yang_Perlu_Dipertimbangkan\" >Setelah Menghitung Deposito, Apa yang Perlu Dipertimbangkan?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Selain_Deposito_Apa_Ada_Alternatif_Lain\" >Selain Deposito, Apa Ada Alternatif Lain?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#Mengenal_IDDR_Earn_di_Nanovest\" >Mengenal IDDR Earn di Nanovest&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/deposito-100-juta-dapat-berapa-23958\/#FAQ_Seputar_Deposito_Rp100_Juta\" >FAQ Seputar Deposito Rp100 Juta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Benarkah_Deposito_Rp100_Juta_Selalu_Memberikan_Bunga_yang_Sama\"><\/span><b>Benarkah Deposito Rp100 Juta Selalu Memberikan Bunga yang Sama?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tidak. Besarnya bunga deposito ditentukan oleh beberapa faktor sekaligus, bukan hanya nominal simpanan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beberapa faktor yang paling berpengaruh antara lain:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suku bunga deposito yang ditawarkan bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenor atau jangka waktu penempatan dana, misalnya 1, 3, 6, atau 12 bulan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Metode perhitungan bunga yang digunakan masing-masing bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pajak atas bunga deposito, sehingga hasil bersih yang diterima dapat berbeda dari perhitungan awal.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Saat membandingkan deposito, jangan hanya melihat persentase bunga yang tertera pada brosur atau promosi. Yang lebih penting adalah memperkirakan hasil bersih yang benar-benar akan diterima saat deposito jatuh tempo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Baca juga: <\/span><a href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/bunga-deposito-tertinggi-2026-23680\/\"><b>Berapa Bunga Deposito Tertinggi 2026?<\/b><\/a><a href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/bunga-deposito-tertinggi-2026-23680\/\"><b> Ini Cara Membandingkannya<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Cara_Menghitung_Bunga_Deposito_Rp100_Juta\"><\/span><b>Bagaimana Cara Menghitung Bunga Deposito Rp100 Juta?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pada dasarnya, bunga deposito dihitung menggunakan tiga komponen utama:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nominal deposito<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suku bunga tahunan (p.a.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenor penyimpanan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Secara sederhana, ilustrasinya dapat digambarkan sebagai berikut.<\/span><\/p>\n<p><b>Nominal Deposito \u00d7 Suku Bunga Tahunan (p.a.) \u00d7 Lama Tenor = Estimasi Bunga Kotor<\/b><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-23959 size-large\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-683x1024.webp\" alt=\"\" width=\"683\" height=\"1024\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-683x1024.webp 683w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-200x300.webp 200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-768x1152.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-150x225.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM-450x675.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-Aug-5-2026-12_45_50-PM.webp 1024w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Setelah memperoleh estimasi bunga kotor, hasil akhirnya masih dapat dipengaruhi oleh pajak sesuai ketentuan yang berlaku serta metode perhitungan yang digunakan masing-masing bank. Setiap bank dapat memiliki kebijakan yang berbeda, melakukan simulasi terlebih dahulu biasanya menjadi cara yang lebih praktis dibanding menghitung secara manual.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Deposito_Rp100_Juta_Dapat_Bunga_Berapa\"><\/span><b>Deposito Rp100 Juta Dapat Bunga Berapa?&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tidak ada satu jawaban pasti mengenai besarnya bunga deposito Rp100 juta. Hasil yang diperoleh bergantung pada beberapa faktor, seperti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">suku bunga yang ditawarkan bank;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tenor atau jangka waktu deposito;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">metode perhitungan bunga;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pajak yang berlaku.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Daripada menghitung secara manual menggunakan berbagai rumus dan skenario, cara yang lebih praktis adalah menggunakan kalkulator simulasi sehingga Anda dapat langsung melihat estimasi bunga berdasarkan nominal, tenor, dan suku bunga yang diinginkan.<\/span><\/p>\n<div style=\"background: #1D2548; border-radius: 20px; padding: 32px; margin: 32px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0;\">\n<tbody>\n<tr>\n<td style=\"width: 62%; padding: 0 24px 0 0; vertical-align: middle;\">\n<div style=\"display: inline-block; background: #303A59; border: 1px solid #56617D; border-radius: 999px; padding: 8px 15px; margin-bottom: 18px; color: #eaf0ff; font-size: 14px; font-weight: bold; line-height: 1.4;\">\ud83d\udcb0 Kalkulator Deposito Nanovest<\/div>\n<h3 style=\"margin: 0 0 14px; color: #ffffff; font-size: 34px; line-height: 1.15; font-weight: 800;\"><span class=\"ez-toc-section\" id=\"Hitung_Estimasi_Bunga_Deposito_Rp100_Juta\"><\/span>Hitung Estimasi Bunga Deposito Rp100 Juta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"margin: 0; color: #dce2f5; font-size: 16px; line-height: 1.7;\">Masukkan nominal deposito, pilih tenor, lalu bandingkan berbagai skenario bunga menggunakan Kalkulator Deposito Nanovest.<\/p>\n<\/td>\n<td style=\"width: 38%; padding: 0; text-align: center; vertical-align: middle;\"><a style=\"display: inline-block; background: #D7FF00; color: #101225; padding: 17px 28px; border-radius: 999px; font-size: 18px; line-height: 1.3; font-weight: 800; text-decoration: none; white-space: nowrap;\" href=\"https:\/\/www.nanovest.io\/kalkulator-deposito\/\" target=\"_blank\" rel=\"noopener noreferrer\">Hitung Sekarang&nbsp; \u2192<br><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Mana_yang_Lebih_Penting_Bunga_Tinggi_atau_Hasil_Bersih\"><\/span><b>Mana yang Lebih Penting: Bunga Tinggi atau Hasil Bersih?&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saat memilih deposito, banyak orang langsung mencari angka bunga paling tinggi. Padahal, yang benar-benar akan diterima adalah hasil bersih, bukan sekadar persentase bunga yang tertera.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebelum memutuskan membuka deposito, ada baiknya melakukan simulasi terlebih dahulu. Dengan begitu, Anda dapat membandingkan berbagai skenario berdasarkan nominal simpanan, tenor, dan suku bunga yang berbeda sehingga keputusan yang diambil menjadi lebih terukur.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Setelah_Menghitung_Deposito_Apa_yang_Perlu_Dipertimbangkan\"><\/span><b>Setelah Menghitung Deposito, Apa yang Perlu Dipertimbangkan?&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mengetahui estimasi bunga deposito merupakan langkah awal yang baik sebelum menempatkan dana. Namun, angka tersebut sebaiknya tidak menjadi satu-satunya pertimbangan. Sebelum mengambil keputusan, ada beberapa hal yang juga perlu diperhatikan, seperti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tujuan penggunaan dana;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kebutuhan likuiditas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jangka waktu penempatan dana;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">karakteristik masing-masing instrumen;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">potensi imbal hasil yang ditawarkan.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dengan mempertimbangkan faktor-faktor tersebut, Anda dapat memilih instrumen yang lebih sesuai dengan kebutuhan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Selain_Deposito_Apa_Ada_Alternatif_Lain\"><\/span><b>Selain Deposito, Apa Ada Alternatif Lain?&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saat ini tersedia berbagai instrumen yang dapat digunakan untuk mengelola dana sesuai tujuan keuangan masing-masing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebagai contoh:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deposito<\/b><span style=\"font-weight: 400;\"> cocok bagi yang menginginkan simpanan berjangka dengan bunga tetap sesuai ketentuan bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reksa dana pasar uang maupun pendapatan tetap<\/b><span style=\"font-weight: 400;\"> dapat menjadi pilihan bagi investor yang memiliki tujuan investasi berbeda.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Program Earn berbasis aset digital<\/b><span style=\"font-weight: 400;\"> juga mulai banyak digunakan sebagai alternatif untuk mengoptimalkan dana yang belum digunakan, dengan mekanisme yang berbeda dari deposito.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Karena setiap instrumen memiliki manfaat dan karakteristik yang berbeda, sebaiknya lakukan perbandingan terlebih dahulu sebelum memutuskan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mengenal_IDDR_Earn_di_Nanovest\"><\/span><b>Mengenal IDDR Earn di Nanovest&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Salah satu alternatif yang dapat dipelajari adalah<\/span><b> IDDR Earn<\/b><span style=\"font-weight: 400;\">, yaitu Program Earn di aplikasi Nanovest yang menggunakan IDDR (Rupiah Digital) sebagai aset dasar. Melalui program ini, pengguna dapat melakukan <\/span><i><span style=\"font-weight: 400;\">placement<\/span><\/i><span style=\"font-weight: 400;\"> IDDR untuk memperoleh potensi <\/span><i><span style=\"font-weight: 400;\">fixed return<\/span><\/i><span style=\"font-weight: 400;\"> sesuai program dan tenor yang tersedia.<\/span><\/p>\n<p><a href=\"https:\/\/nanovestio.page.link\/nano-earn\/IDDR\"><img decoding=\"async\" class=\"alignnone wp-image-23960 size-full\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR.webp\" alt=\"\" width=\"1208\" height=\"219\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR.webp 1208w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-300x54.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-1024x186.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-768x139.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-1200x218.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-150x27.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-450x82.webp 450w\" sizes=\"(max-width: 1208px) 100vw, 1208px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Berbeda dengan deposito yang merupakan produk simpanan perbankan, IDDR Earn adalah Program Earn berbasis aset digital. Oleh karena itu, mekanisme, manfaat, dan karakteristiknya juga berbeda. Sebelum mengikuti program, pengguna dapat melihat informasi secara transparan, antara lain:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">estimasi <\/span><i><span style=\"font-weight: 400;\">yield rate<\/span><\/i><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pilihan tenor;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">periode <\/span><i><span style=\"font-weight: 400;\">lock<\/span><\/i><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tanggal mulai dan berakhirnya program;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">instruksi saat jatuh tempo (<\/span><i><span style=\"font-weight: 400;\">maturity instruction<\/span><\/i><span style=\"font-weight: 400;\">).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dengan begitu, pengguna dapat mempelajari detail program terlebih dahulu sebelum mengambil keputusan.<\/span><\/p>\n<figure id=\"attachment_23682\" aria-describedby=\"caption-attachment-23682\" style=\"width: 538px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-23682 size-large\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53-538x1024.jpeg\" alt=\"Program Earning screen with two asset cards: IDDR (ID Digital Rupiah) and ASDD (AS Digital Dollar) showing periods and estimated principal values.\" width=\"538\" height=\"1024\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53-538x1024.jpeg 538w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53-158x300.jpeg 158w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53-150x285.jpeg 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53-450x856.jpeg 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-27-at-14.41.53.jpeg 673w\" sizes=\"(max-width: 538px) 100vw, 538px\" \/><figcaption id=\"caption-attachment-23682\" class=\"wp-caption-text\">Program Earn di aplikasi Nanovest menampilkan informasi mengenai pilihan aset, tenor, estimasi yield, serta periode program sehingga pengguna dapat mempelajari detailnya sebelum melakukan placement.<\/figcaption><\/figure>\n<p><b><i>Disclaimer:<\/i><\/b><i><span style=\"font-weight: 400;\"> Artikel ini disusun untuk tujuan edukasi dan bukan merupakan ajakan, penawaran, atau rekomendasi untuk membeli atau menggunakan produk tertentu. Deposito, reksa dana, maupun Program Earn memiliki mekanisme, karakteristik, manfaat, dan risiko yang berbeda. Sebelum mengambil keputusan, pastikan Anda telah memahami cara kerja setiap instrumen, membaca syarat dan ketentuan yang berlaku, serta melakukan riset mandiri (Do Your Own Research\/DYOR) agar keputusan yang diambil sesuai dengan tujuan keuangan dan profil risiko Anda.<\/span><\/i><\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dacac71 elementor-widget elementor-widget-html\" data-id=\"dacac71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.nano-faq {\r\n  margin: 32px 0;\r\n  font-family: inherit;\r\n}\r\n\r\n.nano-faq-title {\r\n  margin: 0 0 20px;\r\n  color: #21175C;\r\n  font-size: 30px;\r\n  line-height: 1.3;\r\n}\r\n\r\n.nano-faq-item {\r\n  position: relative;\r\n  margin-bottom: 12px;\r\n  background: #ffffff;\r\n  border: 1px solid #E7E2FF;\r\n  border-radius: 14px;\r\n  box-shadow: 0 6px 18px rgba(79, 70, 229, 0.08);\r\n  overflow: hidden;\r\n}\r\n\r\n.nano-faq-toggle {\r\n  position: absolute;\r\n  opacity: 0;\r\n  pointer-events: none;\r\n}\r\n\r\n.nano-faq-question {\r\n  position: relative;\r\n  display: block;\r\n  padding: 18px 54px 18px 20px;\r\n  color: #21175C;\r\n  font-size: 17px;\r\n  font-weight: 700;\r\n  line-height: 1.5;\r\n  cursor: pointer;\r\n  user-select: none;\r\n}\r\n\r\n.nano-faq-question::after {\r\n  content: \"+\";\r\n  position: absolute;\r\n  top: 50%;\r\n  right: 20px;\r\n  width: 28px;\r\n  height: 28px;\r\n  border-radius: 50%;\r\n  background: #F1EEFF;\r\n  color: #4F46E5;\r\n  font-size: 22px;\r\n  line-height: 26px;\r\n  text-align: center;\r\n  transform: translateY(-50%);\r\n  transition: transform 0.25s ease, background 0.25s ease;\r\n}\r\n\r\n.nano-faq-answer {\r\n  max-height: 0;\r\n  padding: 0 20px;\r\n  overflow: hidden;\r\n  color: #4B4768;\r\n  font-size: 16px;\r\n  line-height: 1.75;\r\n  transition: max-height 0.35s ease, padding 0.35s ease;\r\n}\r\n\r\n.nano-faq-toggle:checked + .nano-faq-question::after {\r\n  content: \"\u2212\";\r\n  background: #4F46E5;\r\n  color: #ffffff;\r\n}\r\n\r\n.nano-faq-toggle:checked ~ .nano-faq-answer {\r\n  max-height: 500px;\r\n  padding: 0 20px 20px;\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nano-faq-title {\r\n    font-size: 25px;\r\n  }\r\n\r\n  .nano-faq-question {\r\n    padding: 16px 50px 16px 16px;\r\n    font-size: 16px;\r\n  }\r\n\r\n  .nano-faq-answer {\r\n    padding-left: 16px;\r\n    padding-right: 16px;\r\n    font-size: 15px;\r\n  }\r\n\r\n  .nano-faq-toggle:checked ~ .nano-faq-answer {\r\n    padding: 0 16px 18px;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<div class=\"nano-faq\">\r\n  <h2 class=\"nano-faq-title\"><span class=\"ez-toc-section\" id=\"FAQ_Seputar_Deposito_Rp100_Juta\"><\/span>FAQ Seputar Deposito Rp100 Juta<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-1\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-1\">\r\n      Deposito Rp100 juta dapat bunga berapa per bulan?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Besarnya bunga bergantung pada suku bunga tahunan, tenor, metode perhitungan, dan pajak yang berlaku. Karena itu, hasilnya dapat berbeda pada setiap bank maupun program deposito.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-2\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-2\">\r\n      Bagaimana cara menghitung bunga deposito Rp100 juta?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Secara umum, bunga dihitung berdasarkan nominal deposito, suku bunga tahunan (<em>p.a.<\/em>), dan tenor. Untuk hasil yang lebih praktis, Anda dapat menggunakan kalkulator simulasi deposito.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-3\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-3\">\r\n      Apakah bunga deposito dibayarkan setiap bulan?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Tergantung pada ketentuan produk yang dipilih. Ada deposito yang membayarkan bunga secara berkala, ada pula yang membayarkan bunga bersamaan dengan pokok saat jatuh tempo.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-4\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-4\">\r\n      Mengapa hasil simulasi dan bunga yang diterima bisa berbeda?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Perbedaan dapat dipengaruhi oleh metode perhitungan bank, tenor, serta pajak atas bunga deposito yang berlaku.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-5\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-5\">\r\n      Apakah semakin tinggi bunga deposito selalu lebih menguntungkan?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Belum tentu. Selain bunga, Anda juga perlu mempertimbangkan tenor, kebutuhan likuiditas, persyaratan program, dan tujuan penggunaan dana.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-6\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-6\">\r\n      Apa alternatif selain deposito?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Selain deposito, tersedia berbagai instrumen lain seperti reksa dana pasar uang, reksa dana pendapatan tetap, obligasi, maupun Program Earn berbasis aset digital. Masing-masing memiliki mekanisme, potensi imbal hasil, dan risiko yang berbeda.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-7\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-7\">\r\n      Apa itu IDDR Earn?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      IDDR Earn adalah Program Earn di aplikasi Nanovest yang memungkinkan pengguna memperoleh potensi <em>fixed return<\/em> dari kepemilikan IDDR (Rupiah Digital) sesuai program dan tenor yang tersedia.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nano-faq-item\">\r\n    <input class=\"nano-faq-toggle\" type=\"checkbox\" id=\"nano-faq-8\">\r\n    <label class=\"nano-faq-question\" for=\"nano-faq-8\">\r\n      Apakah IDDR Earn sama dengan deposito?\r\n    <\/label>\r\n    <div class=\"nano-faq-answer\">\r\n      Tidak. Deposito merupakan produk simpanan berjangka yang diterbitkan oleh bank, sedangkan IDDR Earn adalah Program Earn berbasis aset digital. Keduanya memiliki mekanisme, manfaat, karakteristik, dan risiko yang berbeda.\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Memiliki dana Rp100 juta sering menjadi titik awal bagi banyak orang untuk mulai mempertimbangkan deposito. Nilainya sudah cukup besar untuk memperoleh bunga yang lebih menarik dibanding tabungan biasa, tetapi masih relatif terjangkau bagi banyak investor yang ingin menyimpan dana secara lebih terencana. Lalu muncul pertanyaan yang paling sering dicari di Google: &#8220;Kalau deposito Rp100 juta,<\/p>\n","protected":false},"author":35,"featured_media":23962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[479],"class_list":["post-23958","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tips-dan-tutorial","tag-tips-and-tutorial"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Ingin tahu deposito Rp100 juta dapat bunga berapa per bulan? 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