{"id":27948,"date":"2026-10-20T10:47:41","date_gmt":"2026-10-20T03:47:41","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=27948"},"modified":"2026-10-20T10:48:29","modified_gmt":"2026-10-20T03:48:29","slug":"lps-adalah","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/","title":{"rendered":"LPS Adalah: Fungsi, Syarat, dan Batas Penjaminan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27948\" class=\"elementor elementor-27948\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4cec3832 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cec3832\" 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-4c902bf9\" data-id=\"4c902bf9\" 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-1a96f30d elementor-widget elementor-widget-text-editor\" data-id=\"1a96f30d\" 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;\">Menyimpan uang di bank menjadi salah satu cara masyarakat mengelola keuangan, baik melalui tabungan, giro, maupun deposito. Namun, bagaimana jika bank tempat menyimpan uang mengalami masalah keuangan hingga harus ditutup?<\/span><\/p><p><span style=\"font-weight: 400;\">Di Indonesia, terdapat Lembaga Penjamin Simpanan (LPS) yang memberikan perlindungan terhadap simpanan nasabah sesuai persyaratan tertentu. Keberadaan lembaga ini membantu menjaga kepercayaan masyarakat terhadap perbankan, terutama ketika terjadi masalah pada suatu bank.<\/span><\/p><p><span style=\"font-weight: 400;\">Lalu, apa itu LPS, apa saja fungsinya, dan bank mana yang termasuk dalam penjaminannya? Berikut penjelasannya.<\/span><\/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-d8f8a32 elementor-widget elementor-widget-heading\" data-id=\"d8f8a32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 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\/lps-adalah-27948\/#Apa_Itu_LPS\" >Apa Itu LPS?<\/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\/lps-adalah-27948\/#Apa_Fungsi_dan_Tugas_LPS\" >Apa Fungsi dan Tugas LPS?<\/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\/lps-adalah-27948\/#Apa_Perbedaan_LPS_OJK_dan_Bank_Indonesia\" >Apa Perbedaan LPS, OJK, dan Bank Indonesia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#LPS_OJK_dan_BI_Apa_Bedanya\" >LPS, OJK, dan BI: Apa Bedanya?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Penjaminan_Simpanan\" >Penjaminan Simpanan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Pengawasan_Keuangan\" >Pengawasan Keuangan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Stabilitas_Rupiah\" >Stabilitas Rupiah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Ringkasan_Peran_Setiap_Lembaga\" >Ringkasan Peran Setiap Lembaga<\/a><\/li><\/ul><\/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\/lps-adalah-27948\/#Bank_Apa_Saja_yang_Dijamin_LPS\" >Bank Apa Saja yang Dijamin LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Berapa_Batas_Penjaminan_LPS\" >Berapa Batas Penjaminan LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Berapa_Simpanan_yang_Dijamin\" >Berapa Simpanan yang Dijamin?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Rp15_M\" >Rp1,5 M<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Rp25_M\" >Rp2,5 M<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Jenis_Simpanan_Apa_Saja_yang_Dijamin_LPS\" >Jenis Simpanan Apa Saja yang Dijamin LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Apa_Syarat_Simpanan_Dijamin_LPS\" >Apa Syarat Simpanan Dijamin LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Kenali_Prinsip_3T_LPS\" >Kenali Prinsip 3T LPS<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Tercatat_dalam_pembukuan_bank\" >Tercatat dalam pembukuan bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Tingkat_bunga_tidak_melebihi_batas\" >Tingkat bunga tidak melebihi batas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Tidak_melakukan_tindakan_yang_merugikan_bank\" >Tidak melakukan tindakan yang merugikan bank<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Bagaimana_Cara_Kerja_Penjaminan_LPS\" >Bagaimana Cara Kerja Penjaminan LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Alur_Pembayaran_Klaim_LPS\" >Alur Pembayaran Klaim LPS<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Pencabutan_Izin_Usaha_Bank\" >Pencabutan Izin Usaha Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Rekonsiliasi_dan_Verifikasi\" >Rekonsiliasi dan Verifikasi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Pengumuman_Hasil_Penjaminan\" >Pengumuman Hasil Penjaminan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Pembayaran_Klaim\" >Pembayaran Klaim<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Contoh_Perhitungan_Penjaminan_LPS\" >Contoh Perhitungan Penjaminan LPS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Apakah_Deposito_dengan_Bunga_Tinggi_Dijamin_LPS\" >Apakah Deposito dengan Bunga Tinggi Dijamin LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Bagaimana_Cara_Mengecek_Bank_Peserta_LPS\" >Bagaimana Cara Mengecek Bank Peserta LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Apakah_Saham_Emas_dan_Kripto_Dijamin_LPS\" >Apakah Saham, Emas, dan Kripto Dijamin LPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Apa_Saja_yang_Dijamin_LPS\" >Apa Saja yang Dijamin LPS?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Tabungan_Deposito_dan_Giro\" >Tabungan, Deposito, dan Giro<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Saham_Emas_dan_Aset_Kripto\" >Saham, Emas, dan Aset Kripto<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Tips_Mengelola_Simpanan_dan_Investasi\" >Tips Mengelola Simpanan dan Investasi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Mulai_Jelajahi_Pilihan_Investasi_di_Nanovest\" >Mulai Jelajahi Pilihan Investasi di Nanovest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#Kenali_Pilihan_Investasi_untuk_Tujuan_Finansialmu\" >Kenali Pilihan Investasi untuk\r\n        Tujuan Finansialmu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/lps-adalah-27948\/#FAQ_Seputar_LPS\" >FAQ Seputar LPS<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Itu_LPS\"><\/span>Apa Itu LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029769b elementor-widget elementor-widget-text-editor\" data-id=\"029769b\" 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;\">LPS adalah singkatan dari Lembaga Penjamin Simpanan, yaitu lembaga independen yang dibentuk untuk menjamin simpanan nasabah perbankan di Indonesia serta menjalankan tugas penanganan dan resolusi bank sesuai ketentuan perundang-undangan.<\/span><\/p><p><span style=\"font-weight: 400;\">LPS dibentuk berdasarkan Undang-Undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan dan mulai beroperasi pada 22 September 2005. Ketentuannya kemudian mengalami perubahan, termasuk melalui Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK).<\/span><\/p><p><span style=\"font-weight: 400;\">Melalui sistem penjaminan simpanan, nasabah yang memenuhi persyaratan dapat memperoleh pembayaran klaim apabila bank tempat mereka menyimpan uang dicabut izin usahanya. Penjaminan tersebut memiliki batas nominal dan kriteria kelayakan yang akan dibahas pada bagian selanjutnya.<\/span><\/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-96eaddb elementor-widget elementor-widget-heading\" data-id=\"96eaddb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Fungsi_dan_Tugas_LPS\"><\/span>Apa Fungsi dan Tugas LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7095c1c elementor-widget elementor-widget-text-editor\" data-id=\"7095c1c\" 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;\">Secara umum, LPS menjalankan fungsi penjaminan simpanan sekaligus mendukung stabilitas sistem keuangan melalui penanganan bank yang mengalami permasalahan.<\/span><\/p><p><span style=\"font-weight: 400;\">Tugas utamanya mencakup beberapa hal berikut.<\/span><\/p><p><b>1. Menjamin simpanan nasabah bank<\/b><\/p><p><span style=\"font-weight: 400;\">LPS menyelenggarakan program penjaminan untuk simpanan yang memenuhi ketentuan. Perlindungan ini memberikan kepastian mengenai mekanisme pembayaran klaim ketika bank mengalami pencabutan izin usaha.<\/span><\/p><p><b>2. Menangani bank bermasalah<\/b><\/p><p><span style=\"font-weight: 400;\">LPS memiliki kewenangan untuk menangani dan menyelesaikan permasalahan bank sesuai mekanisme resolusi yang berlaku. Langkah yang diambil bergantung pada kondisi bank dan ketentuan penanganannya.<\/span><\/p><p><b>3. Mendukung stabilitas sistem keuangan<\/b><\/p><p><span style=\"font-weight: 400;\">LPS bekerja dalam kerangka koordinasi dengan otoritas terkait untuk mengurangi dampak permasalahan perbankan terhadap nasabah dan sistem keuangan secara lebih luas.<\/span><\/p><p><span style=\"font-weight: 400;\">Selain fungsi tersebut, UU P2SK juga memberikan mandat kepada LPS untuk menyelenggarakan Program Penjaminan Polis dalam kerangka ketentuan dan tahapan pelaksanaan yang ditetapkan. Namun, fokus utama pembahasan artikel ini adalah penjaminan simpanan perbankan.<\/span><\/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-fbac60a elementor-widget elementor-widget-image\" data-id=\"fbac60a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"788\" height=\"526\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-1024x683.webp\" class=\"attachment-large size-large wp-image-27952\" alt=\"\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-450x300.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation-1200x800.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Friendly-Bank-Savings-Consultation.webp 1536w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Apa Fungsi dan Tugas LPS - Blog Nanovest\" \/>\t\t\t\t\t\t\t\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-df223c5 elementor-widget elementor-widget-heading\" data-id=\"df223c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Perbedaan_LPS_OJK_dan_Bank_Indonesia\"><\/span>Apa Perbedaan LPS, OJK, dan Bank Indonesia? <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499c231 elementor-widget elementor-widget-text-editor\" data-id=\"499c231\" 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;\">LPS, Otoritas Jasa Keuangan (OJK), dan Bank Indonesia (BI) memiliki peran yang saling berkaitan dalam sistem keuangan Indonesia, tetapi masing-masing menjalankan tugas yang berbeda.<\/span><\/p><p><span style=\"font-weight: 400;\">OJK bertanggung jawab atas pengaturan dan pengawasan sektor jasa keuangan, termasuk perbankan. Bank Indonesia menjalankan kebijakan moneter, sistem pembayaran, dan kebijakan makroprudensial. Sementara itu, LPS berfokus pada penjaminan simpanan serta penanganan dan resolusi bank sesuai kewenangannya.<\/span><\/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-b73d7a7 elementor-widget elementor-widget-html\" data-id=\"b73d7a7\" 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\r\n<section class=\"nv-lps-comparison\" aria-labelledby=\"nv-lps-title\">\r\n\r\n  <div class=\"nv-lps-header\">\r\n    <span class=\"nv-lps-eyebrow\">\r\n      INFOGRAFIS \u2022 LEMBAGA KEUANGAN INDONESIA\r\n    <\/span>\r\n    <h2 id=\"nv-lps-title\"><span class=\"ez-toc-section\" id=\"LPS_OJK_dan_BI_Apa_Bedanya\"><\/span>LPS, OJK, dan BI: Apa Bedanya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n    <p>\r\n      Ketiga lembaga ini memiliki peran berbeda dalam\r\n      menjaga sistem keuangan Indonesia.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-lps-grid\">\r\n\r\n    <!-- LPS -->\r\n    <article class=\"nv-lps-card nv-lps-purple\">\r\n      <div class=\"nv-lps-icon\">\r\n        <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M24 5L39 11V22C39 32 32.5 39 24 43C15.5 39 9 32 9 22V11L24 5Z\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M16 24L22 30L33 18\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-lps-acronym\">LPS<\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Penjaminan_Simpanan\"><\/span>Penjaminan Simpanan<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n      <p>Penjaminan nasabah dan resolusi bank<\/p>\r\n    <\/article>\r\n\r\n    <!-- OJK -->\r\n    <article class=\"nv-lps-card nv-lps-blue\">\r\n      <div class=\"nv-lps-icon\">\r\n        <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <rect x=\"8\" y=\"7\" width=\"25\" height=\"33\"\r\n                rx=\"4\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\/>\r\n          <path d=\"M15 16H26M15 23H24M15 30H21\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\/>\r\n          <circle cx=\"32\" cy=\"31\" r=\"9\"\r\n                  fill=\"#FFFFFF\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n          <path d=\"M38.5 37.5L44 43\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-lps-acronym\">OJK<\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Pengawasan_Keuangan\"><\/span>Pengawasan Keuangan<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n      <p>Pengaturan, pengawasan, dan pelindungan konsumen<\/p>\r\n    <\/article>\r\n\r\n    <!-- BI -->\r\n    <article class=\"nv-lps-card nv-lps-green\">\r\n      <div class=\"nv-lps-icon\">\r\n        <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M5 17L24 7L43 17H5Z\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M9 40H39M6 44H42\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\/>\r\n          <path d=\"M12 19V37M20 19V37M28 19V37M36 19V37\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-lps-acronym\">BI<\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Stabilitas_Rupiah\"><\/span>Stabilitas Rupiah<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n      <p>Moneter, sistem pembayaran, dan makroprudensial<\/p>\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <!-- Tabel Perbandingan -->\r\n  <div class=\"nv-lps-table-wrap\">\r\n    <div class=\"nv-lps-table-heading\">\r\n      <span class=\"nv-lps-table-dot\"><\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Ringkasan_Peran_Setiap_Lembaga\"><\/span>Ringkasan Peran Setiap Lembaga<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <\/div>\r\n\r\n    <div class=\"nv-lps-table\">\r\n\r\n      <div class=\"nv-lps-table-row\">\r\n        <div class=\"nv-lps-table-name\">\r\n          <span class=\"nv-lps-indicator purple\"><\/span>\r\n          <strong>LPS<\/strong>\r\n        <\/div>\r\n        <p>\r\n          Menjamin simpanan dan menjalankan resolusi\r\n          bank sesuai ketentuan.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-table-row\">\r\n        <div class=\"nv-lps-table-name\">\r\n          <span class=\"nv-lps-indicator blue\"><\/span>\r\n          <strong>OJK<\/strong>\r\n        <\/div>\r\n        <p>\r\n          Mengatur dan mengawasi kegiatan lembaga\r\n          jasa keuangan.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-table-row\">\r\n        <div class=\"nv-lps-table-name\">\r\n          <span class=\"nv-lps-indicator green\"><\/span>\r\n          <strong>BI<\/strong>\r\n        <\/div>\r\n        <p>\r\n          Menjaga stabilitas nilai rupiah, sistem\r\n          pembayaran, dan turut menjaga stabilitas\r\n          sistem keuangan.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n\/* Container *\/\r\n.nv-lps-comparison {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 28px auto;\r\n  padding: 28px;\r\n  background: #ffffff;\r\n  border: 1px solid #e9e6f0;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-comparison *,\r\n.nv-lps-comparison *::before,\r\n.nv-lps-comparison *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n\/* Header *\/\r\n.nv-lps-header {\r\n  margin-bottom: 24px;\r\n}\r\n\r\n.nv-lps-eyebrow {\r\n  display: inline-block;\r\n  margin-bottom: 10px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1.1px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-lps-header h2 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949;\r\n  font-size: clamp(21px, 3vw, 27px);\r\n  font-weight: 800;\r\n  line-height: 1.35;\r\n}\r\n\r\n.nv-lps-header p {\r\n  margin: 0;\r\n  color: #65718a;\r\n  font-size: 13px;\r\n  line-height: 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margin-bottom: 7px;\r\n  font-size: 26px;\r\n  font-weight: 850;\r\n  line-height: 1.2;\r\n  letter-spacing: -.5px;\r\n}\r\n\r\n.nv-lps-card h3 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 14px;\r\n  font-weight: 800;\r\n  line-height: 1.45;\r\n}\r\n\r\n.nv-lps-card p {\r\n  max-width: 220px;\r\n  margin: 0 auto;\r\n  color: #637089;\r\n  font-size: 12px;\r\n  line-height: 1.65;\r\n}\r\n\r\n\/* Comparison table *\/\r\n.nv-lps-table-wrap {\r\n  overflow: hidden;\r\n  border: 1px solid #e8e7ef;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-lps-table-heading {\r\n  display: flex;\r\n  align-items: center;\r\n  gap: 9px;\r\n  padding: 15px 18px;\r\n  background: #faf9fd;\r\n  border-bottom: 1px solid #e8e7ef;\r\n}\r\n\r\n.nv-lps-table-heading h3 {\r\n  margin: 0 !important;\r\n  color: #25324c;\r\n  font-size: 14px;\r\n  font-weight: 800;\r\n  line-height: 1.5;\r\n}\r\n\r\n.nv-lps-table-dot {\r\n  width: 9px;\r\n  height: 9px;\r\n  flex-shrink: 0;\r\n  background: #7041c6;\r\n  border-radius: 50%;\r\n}\r\n\r\n.nv-lps-table-row {\r\n  display: grid;\r\n  grid-template-columns: 95px minmax(0, 1fr);\r\n  gap: 15px;\r\n  align-items: center;\r\n  padding: 16px 18px;\r\n  background: #ffffff;\r\n}\r\n\r\n.nv-lps-table-row + .nv-lps-table-row {\r\n  border-top: 1px solid #edf0f4;\r\n}\r\n\r\n.nv-lps-table-name {\r\n  display: flex;\r\n  align-items: center;\r\n  gap: 10px;\r\n}\r\n\r\n.nv-lps-table-name strong {\r\n  color: #24314b;\r\n  font-size: 14px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-lps-indicator {\r\n  display: inline-block;\r\n  width: 8px;\r\n  height: 8px;\r\n  flex-shrink: 0;\r\n  border-radius: 50%;\r\n}\r\n\r\n.nv-lps-indicator.purple {\r\n  background: #7041c6;\r\n}\r\n\r\n.nv-lps-indicator.blue {\r\n  background: #367ec6;\r\n}\r\n\r\n.nv-lps-indicator.green {\r\n  background: #258f6b;\r\n}\r\n\r\n.nv-lps-table-row p {\r\n  margin: 0;\r\n  color: #5e6b83;\r\n  font-size: 12.5px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Tablet *\/\r\n@media (max-width: 750px) {\r\n  .nv-lps-comparison {\r\n    padding: 22px;\r\n  }\r\n\r\n  .nv-lps-grid {\r\n    gap: 9px;\r\n  }\r\n\r\n  .nv-lps-card {\r\n    padding: 18px 10px;\r\n  }\r\n\r\n  .nv-lps-card h3 {\r\n    font-size: 13px;\r\n  }\r\n\r\n  .nv-lps-card p {\r\n    font-size: 11px;\r\n  }\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 560px) {\r\n  .nv-lps-comparison {\r\n    padding: 18px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-lps-header {\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .nv-lps-header h2 {\r\n    font-size: 21px;\r\n  }\r\n\r\n  .nv-lps-grid {\r\n    grid-template-columns: 1fr;\r\n    gap: 11px;\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .nv-lps-card {\r\n    display: grid;\r\n    grid-template-columns: 56px 1fr;\r\n    column-gap: 13px;\r\n    align-items: center;\r\n    padding: 16px;\r\n    text-align: left;\r\n  }\r\n\r\n  .nv-lps-icon {\r\n    grid-row: span 3;\r\n    width: 52px;\r\n    height: 52px;\r\n    margin: 0;\r\n  }\r\n\r\n  .nv-lps-icon svg {\r\n    width: 32px;\r\n    height: 32px;\r\n  }\r\n\r\n  .nv-lps-acronym {\r\n    margin-bottom: 3px;\r\n    font-size: 22px;\r\n  }\r\n\r\n  .nv-lps-card h3 {\r\n    margin-bottom: 4px !important;\r\n    font-size: 13px;\r\n  }\r\n\r\n  .nv-lps-card p {\r\n    max-width: none;\r\n    margin: 0;\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-lps-table-heading {\r\n    padding: 13px;\r\n  }\r\n\r\n  .nv-lps-table-heading h3 {\r\n    font-size: 13px;\r\n  }\r\n\r\n  .nv-lps-table-row {\r\n    grid-template-columns: 58px minmax(0, 1fr);\r\n    gap: 10px;\r\n    padding: 14px 12px;\r\n  }\r\n\r\n  .nv-lps-table-name {\r\n    gap: 6px;\r\n  }\r\n\r\n  .nv-lps-table-name strong {\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-lps-table-row p {\r\n    font-size: 12px;\r\n  }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00164df elementor-widget elementor-widget-text-editor\" data-id=\"00164df\" 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;\">Ketiganya memiliki peran dalam menjaga kepercayaan masyarakat terhadap sistem keuangan. Misalnya, ketika sebuah bank mengalami masalah, pengawasan oleh OJK dan mekanisme penanganan oleh LPS dapat berjalan sesuai kewenangan masing-masing, dengan koordinasi bersama otoritas terkait. <\/span><\/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-10478e6 elementor-widget elementor-widget-heading\" data-id=\"10478e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Bank_Apa_Saja_yang_Dijamin_LPS\"><\/span>Bank Apa Saja yang Dijamin LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-175ec60 elementor-widget elementor-widget-text-editor\" data-id=\"175ec60\" 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;\">Program penjaminan LPS mencakup bank yang menjalankan kegiatan usaha di Indonesia dan menjadi peserta penjaminan sesuai ketentuan. Kepesertaan ini berlaku bagi bank konvensional maupun bank yang menjalankan kegiatan berdasarkan prinsip syariah.<\/span><\/p><p><span style=\"font-weight: 400;\">Berikut kategori bank yang termasuk dalam cakupan penjaminan LPS.<\/span><\/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-b5e29ee elementor-widget elementor-widget-tablepress-table\" data-id=\"b5e29ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-283\" class=\"tablepress tablepress-id-283\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Jenis bank<\/strong><\/th><th class=\"column-2\"><strong>Keterangan<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Bank Umum Konvensional<\/td><td class=\"column-2\">Bank yang menyediakan layanan perbankan seperti tabungan, giro, deposito, dan kredit.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Bank Umum Syariah<\/td><td class=\"column-2\">Bank yang menjalankan kegiatan berdasarkan prinsip syariah.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Bank Perekonomian Rakyat (BPR)<\/td><td class=\"column-2\">Bank yang melayani kegiatan perbankan dalam lingkup usaha sesuai izin dan ketentuan BPR.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Bank Perekonomian Rakyat Syariah (BPRS)<\/td><td class=\"column-2\">BPR yang menjalankan kegiatan berdasarkan prinsip syariah.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-283 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9431aa5 elementor-widget elementor-widget-text-editor\" data-id=\"9431aa5\" 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;\">Cakupan kepesertaan juga mencakup kantor cabang bank luar negeri yang beroperasi di Indonesia. Sebaliknya, simpanan pada kantor cabang bank yang beroperasi di luar negeri tidak termasuk dalam program penjaminan LPS Indonesia.<\/span><\/p><p><span style=\"font-weight: 400;\">Perlu diperhatikan bahwa status bank sebagai peserta LPS tidak berarti seluruh saldo nasabah otomatis dijamin. Simpanan tetap harus memenuhi persyaratan kelayakan, termasuk batas nominal dan ketentuan tingkat bunga penjaminan.<\/span><\/p><p><b>\u2757Hal yang Perlu Diketahui Nasabah<\/b><\/p><p><span style=\"font-weight: 400;\">Penjaminan LPS berlaku terhadap simpanan yang memenuhi ketentuan. Sebelum menempatkan dana, nasabah sebaiknya memeriksa status kepesertaan bank dan memahami syarat penjaminannya melalui<\/span><a href=\"https:\/\/lps.go.id\/?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">situs resmi LPS<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Memahami fungsi LPS dan jenis bank yang menjadi peserta merupakan langkah awal untuk mengetahui perlindungan simpanan. Selanjutnya, penting untuk mengetahui berapa batas penjaminan LPS, jenis simpanan yang ditanggung, dan syarat agar dana nasabah dinyatakan layak dibayar.<\/span><\/p>\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-305d77b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"305d77b\" 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-5058eff\" data-id=\"5058eff\" 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-2dc3651 elementor-widget elementor-widget-heading\" data-id=\"2dc3651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Berapa_Batas_Penjaminan_LPS\"><\/span>Berapa Batas Penjaminan LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d216360 elementor-widget elementor-widget-text-editor\" data-id=\"d216360\" 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;\">Lembaga Penjamin Simpanan (LPS) menjamin simpanan nasabah hingga Rp2 miliar per nasabah per bank, dengan ketentuan bahwa simpanan tersebut memenuhi persyaratan penjaminan.<\/span><\/p><p><span style=\"font-weight: 400;\">Batas Rp2 miliar berlaku untuk keseluruhan simpanan seorang nasabah dalam satu bank, termasuk bunga yang diperhitungkan sesuai ketentuan. Artinya, apabila seseorang memiliki beberapa rekening tabungan dan deposito di bank yang sama, saldo tersebut dihitung secara keseluruhan.<\/span><\/p><p><span style=\"font-weight: 400;\">Sebagai contoh, nasabah memiliki tabungan Rp800 juta dan deposito Rp700 juta di Bank A. Total simpanannya sebesar Rp1,5 miliar, sehingga masih berada dalam batas nominal penjaminan LPS.<\/span><\/p><p><span style=\"font-weight: 400;\">Namun, apabila total simpanan mencapai Rp2,5 miliar di bank yang sama, nilai maksimal yang dapat dijamin adalah Rp2 miliar. Selisih Rp500 juta berada di luar batas penjaminan dan penyelesaiannya mengikuti mekanisme likuidasi atau resolusi bank yang berlaku.<\/span><\/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-2696048 elementor-widget elementor-widget-html\" data-id=\"2696048\" 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\r\n<section class=\"nv-lps-limit\" aria-labelledby=\"nv-lps-limit-title\">\r\n\r\n  <!-- Header -->\r\n  <div class=\"nv-lps-limit-header\">\r\n    <span class=\"nv-lps-limit-eyebrow\">\r\n      INFOGRAFIS \u2022 BATAS PENJAMINAN LPS\r\n    <\/span>\r\n\r\n    <h2 id=\"nv-lps-limit-title\"><span class=\"ez-toc-section\" id=\"Berapa_Simpanan_yang_Dijamin\"><\/span>\r\n      Berapa Simpanan yang Dijamin?\r\n    <span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n    <p>\r\n      LPS menjamin simpanan hingga Rp2 miliar\r\n      per nasabah per bank, selama seluruh\r\n      persyaratan penjaminan terpenuhi.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- Main Limit -->\r\n  <div class=\"nv-lps-limit-hero\">\r\n\r\n    <div class=\"nv-lps-limit-hero-icon\">\r\n      <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n           xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n           aria-hidden=\"true\">\r\n        <path d=\"M24 5L39 11V22C39 32 32 39 24 43C16 39 9 32 9 22V11L24 5Z\"\r\n              stroke=\"currentColor\"\r\n              stroke-width=\"2.7\"\r\n              stroke-linejoin=\"round\"\/>\r\n        <path d=\"M16 24L22 30L33 18\"\r\n              stroke=\"currentColor\"\r\n              stroke-width=\"3\"\r\n              stroke-linecap=\"round\"\r\n              stroke-linejoin=\"round\"\/>\r\n      <\/svg>\r\n    <\/div>\r\n\r\n    <span class=\"nv-lps-limit-hero-label\">\r\n      BATAS MAKSIMAL\r\n    <\/span>\r\n\r\n    <div class=\"nv-lps-limit-hero-amount\">\r\n      Rp2 Miliar\r\n    <\/div>\r\n\r\n    <p>Per nasabah per bank<\/p>\r\n\r\n  <\/div>\r\n\r\n  <!-- Examples -->\r\n  <div class=\"nv-lps-limit-examples\">\r\n\r\n    <!-- Example A -->\r\n    <article class=\"nv-lps-limit-card\">\r\n\r\n      <div class=\"nv-lps-limit-card-top\">\r\n        <span class=\"nv-lps-limit-card-label\">\r\n          CONTOH A\r\n        <\/span>\r\n        <span class=\"nv-lps-limit-tag nv-lps-limit-tag-green\">\r\n          Dalam batas\r\n        <\/span>\r\n      <\/div>\r\n\r\n      <h3><span class=\"ez-toc-section\" id=\"Rp15_M\"><\/span>Rp1,5 M<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n      <div class=\"nv-lps-limit-bar\"\r\n           role=\"img\"\r\n           aria-label=\"Rp1,5 miliar, 75 persen dari batas penjaminan Rp2 miliar\">\r\n        <span class=\"nv-lps-limit-bar-covered\"\r\n              style=\"width:75%\"><\/span>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-limit-bar-labels\">\r\n        <span>Rp0<\/span>\r\n        <span>Batas Rp2 M<\/span>\r\n      <\/div>\r\n\r\n      <p>\r\n        Seluruh nominal berada dalam batas\r\n        penjaminan.\r\n      <\/p>\r\n\r\n    <\/article>\r\n\r\n    <!-- Example B -->\r\n    <article class=\"nv-lps-limit-card\">\r\n\r\n      <div class=\"nv-lps-limit-card-top\">\r\n        <span class=\"nv-lps-limit-card-label\">\r\n          CONTOH B\r\n        <\/span>\r\n        <span class=\"nv-lps-limit-tag nv-lps-limit-tag-orange\">\r\n          Melebihi batas\r\n        <\/span>\r\n      <\/div>\r\n\r\n      <h3><span class=\"ez-toc-section\" id=\"Rp25_M\"><\/span>Rp2,5 M<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n      <div class=\"nv-lps-limit-bar\"\r\n           role=\"img\"\r\n           aria-label=\"Rp2 miliar dalam batas penjaminan dan Rp500 juta di luar batas\">\r\n        <span class=\"nv-lps-limit-bar-covered\"\r\n              style=\"width:80%\"><\/span>\r\n        <span class=\"nv-lps-limit-bar-excess\"\r\n              style=\"width:20%\"><\/span>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-limit-bar-labels\">\r\n        <span>Rp2 M dalam batas<\/span>\r\n        <span>Rp500 juta di luar<\/span>\r\n      <\/div>\r\n\r\n      <p>\r\n        Rp2 M dalam batas; Rp500 juta\r\n        di luar batas penjaminan.\r\n      <\/p>\r\n\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <!-- Legend -->\r\n  <div class=\"nv-lps-limit-legend\">\r\n    <span>\r\n      <i class=\"nv-lps-limit-dot nv-lps-limit-dot-purple\"><\/i>\r\n      Dalam batas nominal penjaminan\r\n    <\/span>\r\n    <span>\r\n      <i class=\"nv-lps-limit-dot nv-lps-limit-dot-orange\"><\/i>\r\n      Di luar batas nominal penjaminan\r\n    <\/span>\r\n  <\/div>\r\n\r\n  <!-- Disclaimer -->\r\n  <div class=\"nv-lps-limit-note\">\r\n    <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n         xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n         aria-hidden=\"true\">\r\n      <circle cx=\"12\" cy=\"12\" r=\"9\"\r\n              stroke=\"currentColor\"\r\n              stroke-width=\"1.8\"\/>\r\n      <path d=\"M12 11V16M12 8H12.01\"\r\n            stroke=\"currentColor\"\r\n            stroke-width=\"2\"\r\n            stroke-linecap=\"round\"\/>\r\n    <\/svg>\r\n\r\n    <p>\r\n      Ilustrasi nominal. Pembayaran klaim tetap\r\n      bergantung pada terpenuhinya seluruh\r\n      persyaratan penjaminan LPS.\r\n    <\/p>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n\/* Main container *\/\r\n.nv-lps-limit,\r\n.nv-lps-limit *,\r\n.nv-lps-limit *::before,\r\n.nv-lps-limit *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-limit {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 28px auto;\r\n  padding: 28px;\r\n  background: #ffffff;\r\n  border: 1px solid #e9e6f0;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n}\r\n\r\n\/* Header *\/\r\n.nv-lps-limit-header {\r\n  margin-bottom: 22px;\r\n}\r\n\r\n.nv-lps-limit-eyebrow {\r\n  display: inline-block;\r\n  margin-bottom: 10px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1.1px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-lps-limit-header h2 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949 !important;\r\n  font-size: clamp(21px, 3vw, 27px);\r\n  font-weight: 800;\r\n  line-height: 1.35;\r\n}\r\n\r\n.nv-lps-limit-header p {\r\n  margin: 0;\r\n  color: #65718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Main figure *\/\r\n.nv-lps-limit-hero {\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: center;\r\n  text-align: center;\r\n  padding: 30px 20px;\r\n  background: linear-gradient(\r\n    135deg,\r\n    #f5efff 0%,\r\n    #ede3fc 100%\r\n  );\r\n  border: 1px solid #e3d5f9;\r\n  border-radius: 17px;\r\n}\r\n\r\n.nv-lps-limit-hero-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 58px;\r\n  height: 58px;\r\n  margin-bottom: 14px;\r\n  background: #ffffff;\r\n  border-radius: 16px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-limit-hero-icon svg {\r\n  width: 36px;\r\n  height: 36px;\r\n}\r\n\r\n.nv-lps-limit-hero-label {\r\n  margin-bottom: 7px;\r\n  color: #7041c6;\r\n  font-size: 11px;\r\n  font-weight: 850;\r\n  letter-spacing: 1.4px;\r\n}\r\n\r\n.nv-lps-limit-hero-amount {\r\n  color: #7041c6;\r\n  font-size: clamp(36px, 6vw, 56px);\r\n  font-weight: 850;\r\n  line-height: 1.2;\r\n  letter-spacing: -1.5px;\r\n}\r\n\r\n.nv-lps-limit-hero p {\r\n  margin: 9px 0 0;\r\n  color: #5e5573;\r\n  font-size: 14px;\r\n  font-weight: 600;\r\n}\r\n\r\n\/* Example cards *\/\r\n.nv-lps-limit-examples {\r\n  display: grid;\r\n  grid-template-columns: repeat(2, minmax(0, 1fr));\r\n  gap: 14px;\r\n  margin-top: 15px;\r\n}\r\n\r\n.nv-lps-limit-card {\r\n  min-width: 0;\r\n  padding: 21px;\r\n  background: #ffffff;\r\n  border: 1px solid #e8e5f0;\r\n  border-radius: 15px;\r\n}\r\n\r\n.nv-lps-limit-card-top {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n  flex-wrap: wrap;\r\n  gap: 8px;\r\n  margin-bottom: 15px;\r\n}\r\n\r\n.nv-lps-limit-card-label {\r\n  color: #68738a;\r\n  font-size: 10px;\r\n  font-weight: 850;\r\n  letter-spacing: 1px;\r\n}\r\n\r\n.nv-lps-limit-tag {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  padding: 6px 9px;\r\n  border-radius: 7px;\r\n  font-size: 10px;\r\n  font-weight: 750;\r\n}\r\n\r\n.nv-lps-limit-tag-green {\r\n  background: #e8f7ef;\r\n  color: #23825e;\r\n}\r\n\r\n.nv-lps-limit-tag-orange {\r\n  background: #fff2de;\r\n  color: #aa6a14;\r\n}\r\n\r\n.nv-lps-limit-card h3 {\r\n  margin: 0 0 17px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 30px;\r\n  font-weight: 850;\r\n  line-height: 1.2;\r\n}\r\n\r\n\/* Progress bars *\/\r\n.nv-lps-limit-bar {\r\n  display: flex;\r\n  width: 100%;\r\n  height: 13px;\r\n  overflow: hidden;\r\n  background: #e9e6f0;\r\n  border-radius: 100px;\r\n}\r\n\r\n.nv-lps-limit-bar-covered {\r\n  display: block;\r\n  height: 100%;\r\n  background: #7041c6;\r\n}\r\n\r\n.nv-lps-limit-bar-excess {\r\n  display: block;\r\n  height: 100%;\r\n  background: #e5a34a;\r\n}\r\n\r\n.nv-lps-limit-bar-labels {\r\n  display: flex;\r\n  justify-content: space-between;\r\n  gap: 8px;\r\n  margin-top: 9px;\r\n  color: #768097;\r\n  font-size: 10px;\r\n  line-height: 1.5;\r\n}\r\n\r\n.nv-lps-limit-bar-labels span:last-child {\r\n  text-align: right;\r\n}\r\n\r\n.nv-lps-limit-card p {\r\n  margin: 17px 0 0;\r\n  color: #637089;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Legend *\/\r\n.nv-lps-limit-legend {\r\n  display: flex;\r\n  flex-wrap: wrap;\r\n  gap: 9px 22px;\r\n  margin-top: 19px;\r\n}\r\n\r\n.nv-lps-limit-legend span {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 7px;\r\n  color: #66718a;\r\n  font-size: 11px;\r\n  line-height: 1.5;\r\n}\r\n\r\n.nv-lps-limit-dot {\r\n  display: inline-block;\r\n  width: 9px;\r\n  height: 9px;\r\n  flex-shrink: 0;\r\n  border-radius: 50%;\r\n}\r\n\r\n.nv-lps-limit-dot-purple {\r\n  background: #7041c6;\r\n}\r\n\r\n.nv-lps-limit-dot-orange {\r\n  background: #e5a34a;\r\n}\r\n\r\n\/* Disclaimer *\/\r\n.nv-lps-limit-note {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 17px;\r\n  padding: 14px 16px;\r\n  background: #faf9fd;\r\n  border: 1px solid #ece8f5;\r\n  border-radius: 12px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-limit-note svg {\r\n  width: 19px;\r\n  height: 19px;\r\n  flex-shrink: 0;\r\n  margin-top: 2px;\r\n}\r\n\r\n.nv-lps-limit-note p {\r\n  margin: 0;\r\n  color: #647089;\r\n  font-size: 12px;\r\n  line-height: 1.7;\r\n}\r\n\r\n\/* Tablet *\/\r\n@media (max-width: 750px) {\r\n  .nv-lps-limit {\r\n    padding: 22px;\r\n  }\r\n\r\n  .nv-lps-limit-card {\r\n    padding: 17px;\r\n  }\r\n\r\n  .nv-lps-limit-card h3 {\r\n    font-size: 27px;\r\n  }\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 550px) {\r\n  .nv-lps-limit {\r\n    padding: 18px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-lps-limit-header h2 {\r\n    font-size: 21px;\r\n  }\r\n\r\n  .nv-lps-limit-hero {\r\n    padding: 24px 13px;\r\n  }\r\n\r\n  .nv-lps-limit-hero-icon {\r\n    width: 50px;\r\n    height: 50px;\r\n  }\r\n\r\n  .nv-lps-limit-hero-icon svg {\r\n    width: 31px;\r\n    height: 31px;\r\n  }\r\n\r\n  .nv-lps-limit-hero-amount {\r\n    font-size: 39px;\r\n  }\r\n\r\n  .nv-lps-limit-hero p {\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-lps-limit-examples {\r\n    grid-template-columns: 1fr;\r\n    gap: 11px;\r\n  }\r\n\r\n  .nv-lps-limit-card {\r\n    padding: 17px;\r\n  }\r\n\r\n  .nv-lps-limit-card h3 {\r\n    font-size: 28px;\r\n  }\r\n\r\n  .nv-lps-limit-card p {\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-lps-limit-legend {\r\n    flex-direction: column;\r\n    gap: 8px;\r\n  }\r\n\r\n  .nv-lps-limit-note {\r\n    padding: 12px;\r\n  }\r\n\r\n  .nv-lps-limit-note p {\r\n    font-size: 11.5px;\r\n  }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-366509f elementor-widget elementor-widget-heading\" data-id=\"366509f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Jenis_Simpanan_Apa_Saja_yang_Dijamin_LPS\"><\/span>Jenis Simpanan Apa Saja yang Dijamin LPS? <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41e645d elementor-widget elementor-widget-text-editor\" data-id=\"41e645d\" 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;\">LPS menjamin beberapa jenis simpanan yang ditempatkan pada bank peserta penjaminan, baik dalam bentuk rupiah maupun valuta asing.<\/span><\/p><p><span style=\"font-weight: 400;\">Jenis simpanan yang termasuk dalam cakupan penjaminan antara lain:<\/span><\/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-0a2150b elementor-widget elementor-widget-tablepress-table\" data-id=\"0a2150b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-284\" class=\"tablepress tablepress-id-284\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Jenis simpanan<\/strong><\/th><th class=\"column-2\"><strong>Keterangan<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Tabungan<\/td><td class=\"column-2\">Dana yang disimpan nasabah dan dapat ditarik sesuai ketentuan rekening.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Deposito<\/td><td class=\"column-2\">Simpanan berjangka yang pencairannya mengikuti jangka waktu yang disepakati.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Giro<\/td><td class=\"column-2\">Simpanan yang dapat digunakan untuk transaksi pembayaran sesuai ketentuan bank.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Sertifikat deposito<\/td><td class=\"column-2\">Simpanan berjangka dalam bentuk sertifikat sesuai ketentuan perbankan.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Bentuk simpanan lain<\/td><td class=\"column-2\">Produk yang dipersamakan dengan simpanan berdasarkan ketentuan yang berlaku, termasuk simpanan berdasarkan prinsip syariah.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-284 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6826ea elementor-widget elementor-widget-text-editor\" data-id=\"e6826ea\" 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;\">Perlu diperhatikan bahwa produk investasi seperti saham, reksa dana, emas, dan aset kripto tidak termasuk dalam penjaminan simpanan LPS. Perlindungan LPS ditujukan untuk produk simpanan perbankan yang memenuhi ketentuan. <\/span><\/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-277f7bc elementor-widget elementor-widget-image\" data-id=\"277f7bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"788\" height=\"526\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-1024x683.webp\" class=\"attachment-large size-large wp-image-27957\" alt=\"\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-450x300.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates-1200x800.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Savings-Books-and-Deposit-Certificates.webp 1536w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Jenis Simpanan yang Dijamin LPS - Blog Nanovest\" \/>\t\t\t\t\t\t\t\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-f348a25 elementor-widget elementor-widget-heading\" data-id=\"f348a25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Syarat_Simpanan_Dijamin_LPS\"><\/span>Apa Syarat Simpanan Dijamin LPS? <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a3c80 elementor-widget elementor-widget-text-editor\" data-id=\"33a3c80\" 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;\">Untuk memperoleh penjaminan, nasabah perlu memenuhi persyaratan yang dikenal sebagai 3T LPS, yaitu Tercatat, Tingkat Bunga, dan Tidak Merugikan Bank.<\/span><\/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-91c447f elementor-widget elementor-widget-html\" data-id=\"91c447f\" 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\r\n<section class=\"nv-lps-3t\" aria-labelledby=\"nv-lps-3t-title\">\r\n\r\n  <div class=\"nv-lps-3t-header\">\r\n    <span class=\"nv-lps-3t-eyebrow\">\r\n      INFOGRAFIS \u2022 SYARAT PENJAMINAN LPS\r\n    <\/span>\r\n    <h2 id=\"nv-lps-3t-title\"><span class=\"ez-toc-section\" id=\"Kenali_Prinsip_3T_LPS\"><\/span>Kenali Prinsip 3T LPS<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n    <p>\r\n      Tiga persyaratan yang perlu dipenuhi agar simpanan\r\n      nasabah dapat dinyatakan layak dibayar oleh LPS.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-lps-3t-list\">\r\n\r\n    <!-- 01: Tercatat -->\r\n    <article class=\"nv-lps-3t-card nv-lps-3t-purple\">\r\n\r\n      <div class=\"nv-lps-3t-icon\">\r\n        <svg viewBox=\"0 0 48 48\"\r\n             fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <rect x=\"10\" y=\"8\" width=\"28\" height=\"34\"\r\n                rx=\"5\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\/>\r\n          <path d=\"M18 8V5H30V8\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\/>\r\n          <path d=\"M17 19H31M17 26H25\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.5\"\r\n                stroke-linecap=\"round\"\/>\r\n          <path d=\"M24 33L28 37L35 29\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-3t-content\">\r\n        <span class=\"nv-lps-3t-number\">01 \/ TERCATAT<\/span>\r\n        <h3><span class=\"ez-toc-section\" id=\"Tercatat_dalam_pembukuan_bank\"><\/span>Tercatat dalam pembukuan bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n        <p>\r\n          Simpanan nasabah harus tercatat dalam\r\n          pembukuan bank sesuai ketentuan yang berlaku.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/article>\r\n\r\n    <!-- 02: Tingkat Bunga -->\r\n    <article class=\"nv-lps-3t-card nv-lps-3t-blue\">\r\n\r\n      <div class=\"nv-lps-3t-icon\">\r\n        <svg viewBox=\"0 0 48 48\"\r\n             fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <circle cx=\"15\" cy=\"15\" r=\"5\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n          <circle cx=\"33\" cy=\"33\" r=\"5\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n          <path d=\"M35 13L13 35\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-3t-content\">\r\n        <span class=\"nv-lps-3t-number\">02 \/ TINGKAT BUNGA<\/span>\r\n        <h3><span class=\"ez-toc-section\" id=\"Tingkat_bunga_tidak_melebihi_batas\"><\/span>Tingkat bunga tidak melebihi batas<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n        <p>\r\n          Nasabah tidak menerima bunga simpanan yang\r\n          melebihi tingkat bunga penjaminan LPS\r\n          yang berlaku.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/article>\r\n\r\n    <!-- 03: Tidak Merugikan Bank -->\r\n    <article class=\"nv-lps-3t-card nv-lps-3t-green\">\r\n\r\n      <div class=\"nv-lps-3t-icon\">\r\n        <svg viewBox=\"0 0 48 48\"\r\n             fill=\"none\"\r\n             xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M24 5L39 11V22C39 32 32 39 24 43C16 39 9 32 9 22V11L24 5Z\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"2.7\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M16 24L22 30L33 18\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-3t-content\">\r\n        <span class=\"nv-lps-3t-number\">03 \/ TIDAK MERUGIKAN<\/span>\r\n        <h3><span class=\"ez-toc-section\" id=\"Tidak_melakukan_tindakan_yang_merugikan_bank\"><\/span>Tidak melakukan tindakan yang merugikan bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n        <p>\r\n          Nasabah tidak melakukan tindakan yang\r\n          merugikan bank, misalnya memiliki kewajiban\r\n          kredit macet sesuai kriteria yang ditetapkan.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <div class=\"nv-lps-3t-note\">\r\n    <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n         xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n         aria-hidden=\"true\">\r\n      <circle cx=\"12\" cy=\"12\" r=\"9\"\r\n              stroke=\"currentColor\"\r\n              stroke-width=\"1.8\"\/>\r\n      <path d=\"M12 11V16M12 8H12.01\"\r\n            stroke=\"currentColor\"\r\n            stroke-width=\"2\"\r\n            stroke-linecap=\"round\"\/>\r\n    <\/svg>\r\n\r\n    <p>\r\n      Ketiga persyaratan harus terpenuhi. Penjaminan\r\n      juga tunduk pada batas maksimal Rp2 miliar\r\n      per nasabah per bank.\r\n    <\/p>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n\/* Main container *\/\r\n.nv-lps-3t {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 28px auto;\r\n  padding: 28px;\r\n  background: #ffffff;\r\n  border: 1px solid #e9e6f0;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-3t *,\r\n.nv-lps-3t *::before,\r\n.nv-lps-3t *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n\/* Header *\/\r\n.nv-lps-3t-header {\r\n  margin-bottom: 23px;\r\n}\r\n\r\n.nv-lps-3t-eyebrow {\r\n  display: inline-block;\r\n  margin-bottom: 10px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1.1px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-lps-3t-header h2 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949;\r\n  font-size: clamp(21px, 3vw, 27px);\r\n  font-weight: 800;\r\n  line-height: 1.35;\r\n}\r\n\r\n.nv-lps-3t-header p {\r\n  margin: 0;\r\n  color: #65718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Cards *\/\r\n.nv-lps-3t-list {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 12px;\r\n}\r\n\r\n.nv-lps-3t-card {\r\n  display: flex;\r\n  align-items: center;\r\n  gap: 19px;\r\n  padding: 21px;\r\n  border-radius: 15px;\r\n  border: 1px solid transparent;\r\n}\r\n\r\n\/* Color variants *\/\r\n.nv-lps-3t-purple {\r\n  background: #f3eefd;\r\n  border-color: #e8ddfa;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-3t-blue {\r\n  background: #edf5ff;\r\n  border-color: #dceafb;\r\n  color: #367ec6;\r\n}\r\n\r\n.nv-lps-3t-green {\r\n  background: #eaf8f2;\r\n  border-color: #d8f0e4;\r\n  color: #258f6b;\r\n}\r\n\r\n\/* Icon *\/\r\n.nv-lps-3t-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 68px;\r\n  height: 68px;\r\n  flex-shrink: 0;\r\n  background: rgba(255,255,255,.85);\r\n  border-radius: 17px;\r\n}\r\n\r\n.nv-lps-3t-icon svg {\r\n  width: 39px;\r\n  height: 39px;\r\n}\r\n\r\n\/* Text *\/\r\n.nv-lps-3t-content {\r\n  flex: 1;\r\n  min-width: 0;\r\n}\r\n\r\n.nv-lps-3t-number {\r\n  display: block;\r\n  margin-bottom: 6px;\r\n  color: currentColor;\r\n  font-size: 10px;\r\n  font-weight: 850;\r\n  letter-spacing: 1px;\r\n}\r\n\r\n.nv-lps-3t-content h3 {\r\n  margin: 0 0 7px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 17px;\r\n  font-weight: 800;\r\n  line-height: 1.45;\r\n}\r\n\r\n.nv-lps-3t-content p {\r\n  margin: 0;\r\n  color: #637089;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Note *\/\r\n.nv-lps-3t-note {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 17px;\r\n  padding: 14px 16px;\r\n  background: #faf9fd;\r\n  border: 1px solid #ece8f5;\r\n  border-radius: 12px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-3t-note svg {\r\n  width: 19px;\r\n  height: 19px;\r\n  flex-shrink: 0;\r\n  margin-top: 2px;\r\n}\r\n\r\n.nv-lps-3t-note p {\r\n  margin: 0;\r\n  color: #647089;\r\n  font-size: 12px;\r\n  line-height: 1.7;\r\n}\r\n\r\n\/* Tablet *\/\r\n@media (max-width: 750px) {\r\n  .nv-lps-3t {\r\n    padding: 22px;\r\n  }\r\n\r\n  .nv-lps-3t-card {\r\n    padding: 18px;\r\n    gap: 15px;\r\n  }\r\n\r\n  .nv-lps-3t-icon {\r\n    width: 60px;\r\n    height: 60px;\r\n  }\r\n\r\n  .nv-lps-3t-icon svg {\r\n    width: 35px;\r\n    height: 35px;\r\n  }\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 550px) {\r\n  .nv-lps-3t {\r\n    padding: 18px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-lps-3t-header h2 {\r\n    font-size: 21px;\r\n  }\r\n\r\n  .nv-lps-3t-card {\r\n    align-items: flex-start;\r\n    gap: 12px;\r\n    padding: 15px 13px;\r\n  }\r\n\r\n  .nv-lps-3t-icon {\r\n    width: 47px;\r\n    height: 47px;\r\n    border-radius: 12px;\r\n  }\r\n\r\n  .nv-lps-3t-icon svg {\r\n    width: 28px;\r\n    height: 28px;\r\n  }\r\n\r\n  .nv-lps-3t-number {\r\n    font-size: 9px;\r\n    letter-spacing: .6px;\r\n  }\r\n\r\n  .nv-lps-3t-content h3 {\r\n    font-size: 14px;\r\n    line-height: 1.45;\r\n  }\r\n\r\n  .nv-lps-3t-content p {\r\n    font-size: 12px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n  .nv-lps-3t-note {\r\n    padding: 12px;\r\n  }\r\n\r\n  .nv-lps-3t-note p {\r\n    font-size: 11.5px;\r\n  }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bcfae elementor-widget elementor-widget-text-editor\" data-id=\"56bcfae\" 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;\">Ketiga persyaratan tersebut harus dipenuhi agar simpanan dapat dinyatakan layak dibayar. Nasabah juga perlu memperhatikan bahwa tingkat bunga penjaminan LPS dapat berubah secara berkala.<\/span><\/p><p><span style=\"font-weight: 400;\">Informasi tingkat bunga penjaminan terbaru dapat diperiksa melalui<\/span><a href=\"https:\/\/lps.go.id\/?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">situs resmi LPS<\/span><\/a><span style=\"font-weight: 400;\"> sebelum membuka atau memperpanjang deposito.<\/span><\/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-ada263a elementor-widget elementor-widget-heading\" data-id=\"ada263a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Bagaimana_Cara_Kerja_Penjaminan_LPS\"><\/span>Bagaimana Cara Kerja Penjaminan LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cece78b elementor-widget elementor-widget-text-editor\" data-id=\"cece78b\" 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;\">Ketika sebuah bank dicabut izin usahanya, LPS melakukan pemeriksaan terhadap data simpanan nasabah untuk menentukan rekening yang memenuhi persyaratan pembayaran klaim.<\/span><\/p><p><span style=\"font-weight: 400;\">Proses penjaminan umumnya melalui tahapan berikut:<\/span><\/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-722d5f6 elementor-widget elementor-widget-html\" data-id=\"722d5f6\" 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\r\n<section class=\"nv-lps-claim\" aria-labelledby=\"nv-lps-claim-title\">\r\n\r\n  <!-- Header -->\r\n  <div class=\"nv-lps-claim-header\">\r\n    <span class=\"nv-lps-claim-eyebrow\">\r\n      DIAGRAM \u2022 PROSES PENJAMINAN SIMPANAN\r\n    <\/span>\r\n\r\n    <h2 id=\"nv-lps-claim-title\"><span class=\"ez-toc-section\" id=\"Alur_Pembayaran_Klaim_LPS\"><\/span>\r\n      Alur Pembayaran Klaim LPS\r\n    <span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n    <p>\r\n      Berikut tahapan umum penjaminan simpanan ketika\r\n      izin usaha suatu bank dicabut.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- Timeline -->\r\n  <div class=\"nv-lps-claim-timeline\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"nv-lps-claim-step\">\r\n\r\n      <div class=\"nv-lps-claim-marker\">\r\n        <div class=\"nv-lps-claim-icon\">\r\n          <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n               xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n               aria-hidden=\"true\">\r\n            <path d=\"M5 17L24 7L43 17H5Z\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linejoin=\"round\"\/>\r\n            <path d=\"M9 40H39M6 44H42\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linecap=\"round\"\/>\r\n            <path d=\"M12 19V37M20 19V37M28 19V37M36 19V37\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linecap=\"round\"\/>\r\n          <\/svg>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-claim-card\">\r\n        <span class=\"nv-lps-claim-number\">\r\n          TAHAP 01\r\n        <\/span>\r\n\r\n        <h3><span class=\"ez-toc-section\" id=\"Pencabutan_Izin_Usaha_Bank\"><\/span>Pencabutan Izin Usaha Bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n        <p>\r\n          OJK mencabut izin usaha bank sesuai\r\n          kewenangannya.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"nv-lps-claim-step\">\r\n\r\n      <div class=\"nv-lps-claim-marker\">\r\n        <div class=\"nv-lps-claim-icon\">\r\n          <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n               xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n               aria-hidden=\"true\">\r\n            <rect x=\"10\" y=\"7\" width=\"27\" height=\"35\"\r\n                  rx=\"4\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n            <path d=\"M17 17H30M17 24H27M17 31H24\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.5\"\r\n                  stroke-linecap=\"round\"\/>\r\n            <circle cx=\"33\" cy=\"32\" r=\"8\"\r\n                    fill=\"#FFFFFF\"\r\n                    stroke=\"currentColor\"\r\n                    stroke-width=\"2.5\"\/>\r\n            <path d=\"M38.5 37.5L43 42\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.5\"\r\n                  stroke-linecap=\"round\"\/>\r\n          <\/svg>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-claim-card\">\r\n        <span class=\"nv-lps-claim-number\">\r\n          TAHAP 02\r\n        <\/span>\r\n\r\n        <h3><span class=\"ez-toc-section\" id=\"Rekonsiliasi_dan_Verifikasi\"><\/span>Rekonsiliasi dan Verifikasi<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n        <p>\r\n          LPS memeriksa data simpanan dan menentukan\r\n          kelayakan pembayaran klaim.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"nv-lps-claim-step\">\r\n\r\n      <div class=\"nv-lps-claim-marker\">\r\n        <div class=\"nv-lps-claim-icon\">\r\n          <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n               xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n               aria-hidden=\"true\">\r\n            <rect x=\"7\" y=\"8\" width=\"34\" height=\"27\"\r\n                  rx=\"4\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n            <path d=\"M16 17H32M16 24H27\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linecap=\"round\"\/>\r\n            <path d=\"M19 35V41M29 35V41M15 42H33\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linecap=\"round\"\/>\r\n          <\/svg>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-claim-card\">\r\n        <span class=\"nv-lps-claim-number\">\r\n          TAHAP 03\r\n        <\/span>\r\n\r\n        <h3><span class=\"ez-toc-section\" id=\"Pengumuman_Hasil_Penjaminan\"><\/span>Pengumuman Hasil Penjaminan<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n        <p>\r\n          Nasabah dapat memeriksa status simpanannya\r\n          melalui kanal informasi yang diumumkan LPS.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"nv-lps-claim-step\">\r\n\r\n      <div class=\"nv-lps-claim-marker\">\r\n        <div class=\"nv-lps-claim-icon\">\r\n          <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n               xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n               aria-hidden=\"true\">\r\n            <rect x=\"5\" y=\"14\" width=\"38\" height=\"25\"\r\n                  rx=\"5\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n            <path d=\"M5 22H43\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\/>\r\n            <circle cx=\"24\" cy=\"30\" r=\"5\"\r\n                    stroke=\"currentColor\"\r\n                    stroke-width=\"2.3\"\/>\r\n            <path d=\"M15 10L24 5L33 10\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"2.7\"\r\n                  stroke-linecap=\"round\"\r\n                  stroke-linejoin=\"round\"\/>\r\n          <\/svg>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"nv-lps-claim-card nv-lps-claim-final\">\r\n        <span class=\"nv-lps-claim-number\">\r\n          TAHAP 04\r\n        <\/span>\r\n\r\n        <h3><span class=\"ez-toc-section\" id=\"Pembayaran_Klaim\"><\/span>Pembayaran Klaim<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n        <p>\r\n          Nasabah yang dinyatakan layak bayar dapat\r\n          mencairkan dana melalui bank pembayar atau\r\n          mekanisme yang ditentukan.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n  <!-- Footer note -->\r\n  <div class=\"nv-lps-claim-note\">\r\n    <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n         xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n         aria-hidden=\"true\">\r\n      <circle cx=\"12\" cy=\"12\" r=\"9\"\r\n              stroke=\"currentColor\"\r\n              stroke-width=\"1.8\"\/>\r\n      <path d=\"M12 11V16M12 8H12.01\"\r\n            stroke=\"currentColor\"\r\n            stroke-width=\"2\"\r\n            stroke-linecap=\"round\"\/>\r\n    <\/svg>\r\n\r\n    <p>\r\n      Pembayaran klaim mengikuti hasil verifikasi\r\n      dan ketentuan penjaminan LPS yang berlaku.\r\n    <\/p>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n\/* Main container *\/\r\n.nv-lps-claim {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 28px auto;\r\n  padding: 30px;\r\n  background: #ffffff;\r\n  border: 1px solid #e9e6f0;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-claim *,\r\n.nv-lps-claim *::before,\r\n.nv-lps-claim *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n\/* Header *\/\r\n.nv-lps-claim-header {\r\n  margin-bottom: 27px;\r\n}\r\n\r\n.nv-lps-claim-eyebrow {\r\n  display: inline-block;\r\n  margin-bottom: 10px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1.1px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-lps-claim-header h2 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949 !important;\r\n  font-size: clamp(21px, 3vw, 27px);\r\n  font-weight: 800;\r\n  line-height: 1.35;\r\n}\r\n\r\n.nv-lps-claim-header p {\r\n  margin: 0;\r\n  color: #65718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Timeline *\/\r\n.nv-lps-claim-timeline {\r\n  position: relative;\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 16px;\r\n}\r\n\r\n\/* Vertical connecting line *\/\r\n.nv-lps-claim-timeline::before {\r\n  content: \"\";\r\n  position: absolute;\r\n  top: 36px;\r\n  bottom: 36px;\r\n  left: 32px;\r\n  width: 3px;\r\n  background: linear-gradient(\r\n    to bottom,\r\n    #7041c6,\r\n    #9d7cdb,\r\n    #c8b5ec,\r\n    #7041c6\r\n  );\r\n  border-radius: 10px;\r\n  z-index: 0;\r\n}\r\n\r\n\/* Step layout *\/\r\n.nv-lps-claim-step {\r\n  position: relative;\r\n  display: grid;\r\n  grid-template-columns: 66px minmax(0, 1fr);\r\n  gap: 18px;\r\n  align-items: center;\r\n  z-index: 1;\r\n}\r\n\r\n\/* Marker *\/\r\n.nv-lps-claim-marker {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 66px;\r\n  height: 66px;\r\n}\r\n\r\n.nv-lps-claim-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 64px;\r\n  height: 64px;\r\n  background: #f2ebfd;\r\n  border: 2px solid #d9c9f4;\r\n  border-radius: 18px;\r\n  color: #7041c6;\r\n  box-shadow: 0 0 0 5px #ffffff;\r\n}\r\n\r\n.nv-lps-claim-icon svg {\r\n  width: 36px;\r\n  height: 36px;\r\n}\r\n\r\n\/* Content cards *\/\r\n.nv-lps-claim-card {\r\n  padding: 20px 22px;\r\n  background: #faf8fe;\r\n  border: 1px solid #e9e1f8;\r\n  border-radius: 15px;\r\n}\r\n\r\n.nv-lps-claim-number {\r\n  display: inline-block;\r\n  margin-bottom: 7px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 850;\r\n  letter-spacing: 1px;\r\n}\r\n\r\n.nv-lps-claim-card h3 {\r\n  margin: 0 0 7px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 16px;\r\n  font-weight: 800;\r\n  line-height: 1.45;\r\n}\r\n\r\n.nv-lps-claim-card p {\r\n  margin: 0;\r\n  color: #647089;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n\/* Final step emphasis *\/\r\n.nv-lps-claim-final {\r\n  background: #f0e9fc;\r\n  border-color: #d9c9f4;\r\n}\r\n\r\n.nv-lps-claim-step:last-child .nv-lps-claim-icon {\r\n  background: #7041c6;\r\n  border-color: #7041c6;\r\n  color: #ffffff;\r\n}\r\n\r\n\/* Note *\/\r\n.nv-lps-claim-note {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 22px;\r\n  padding: 14px 16px;\r\n  background: #faf9fd;\r\n  border: 1px solid #ece8f5;\r\n  border-radius: 12px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-claim-note svg {\r\n  width: 19px;\r\n  height: 19px;\r\n  flex-shrink: 0;\r\n  margin-top: 2px;\r\n}\r\n\r\n.nv-lps-claim-note p {\r\n  margin: 0;\r\n  color: #647089;\r\n  font-size: 12px;\r\n  line-height: 1.7;\r\n}\r\n\r\n\/* Tablet *\/\r\n@media (max-width: 750px) {\r\n  .nv-lps-claim {\r\n    padding: 23px;\r\n  }\r\n\r\n  .nv-lps-claim-step {\r\n    gap: 13px;\r\n  }\r\n\r\n  .nv-lps-claim-card {\r\n    padding: 18px;\r\n  }\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 550px) {\r\n  .nv-lps-claim {\r\n    padding: 18px 13px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-lps-claim-header {\r\n    margin-bottom: 22px;\r\n  }\r\n\r\n  .nv-lps-claim-header h2 {\r\n    font-size: 21px;\r\n  }\r\n\r\n  .nv-lps-claim-timeline {\r\n    gap: 13px;\r\n  }\r\n\r\n  .nv-lps-claim-timeline::before {\r\n    left: 22px;\r\n    top: 25px;\r\n    bottom: 25px;\r\n    width: 2px;\r\n  }\r\n\r\n  .nv-lps-claim-step {\r\n    grid-template-columns: 46px minmax(0, 1fr);\r\n    gap: 10px;\r\n    align-items: start;\r\n  }\r\n\r\n  .nv-lps-claim-marker {\r\n    width: 46px;\r\n    height: 46px;\r\n    margin-top: 5px;\r\n  }\r\n\r\n  .nv-lps-claim-icon {\r\n    width: 44px;\r\n    height: 44px;\r\n    border-radius: 12px;\r\n    box-shadow: 0 0 0 4px #ffffff;\r\n  }\r\n\r\n  .nv-lps-claim-icon svg {\r\n    width: 26px;\r\n    height: 26px;\r\n  }\r\n\r\n  .nv-lps-claim-card {\r\n    padding: 15px 13px;\r\n    border-radius: 12px;\r\n  }\r\n\r\n  .nv-lps-claim-number {\r\n    font-size: 9px;\r\n    margin-bottom: 5px;\r\n  }\r\n\r\n  .nv-lps-claim-card h3 {\r\n    font-size: 14px;\r\n    margin-bottom: 6px !important;\r\n  }\r\n\r\n  .nv-lps-claim-card p {\r\n    font-size: 12px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n  .nv-lps-claim-note {\r\n    padding: 12px;\r\n    margin-top: 17px;\r\n  }\r\n\r\n  .nv-lps-claim-note p {\r\n    font-size: 11.5px;\r\n  }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5ce43 elementor-widget elementor-widget-text-editor\" data-id=\"3b5ce43\" 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;\">LPS memiliki jangka waktu paling lama 90 hari kerja sejak pencabutan izin usaha bank untuk menyelesaikan rekonsiliasi dan verifikasi. Dalam praktiknya, pembayaran tahap pertama dapat dilakukan lebih cepat. Sebagai contoh, pada kasus BPRS Gebu Prima tahun 2025, LPS mengumumkan pembayaran tahap pertama dalam lima hari kerja setelah izin usaha bank dicabut.<\/span><\/p><p><span style=\"font-weight: 400;\">Nasabah yang simpanannya dinyatakan tidak layak bayar dapat mengajukan keberatan sesuai prosedur yang berlaku.<\/span><\/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-8bcbd5c elementor-widget elementor-widget-heading\" data-id=\"8bcbd5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Contoh_Perhitungan_Penjaminan_LPS\"><\/span>Contoh Perhitungan Penjaminan LPS <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a986de elementor-widget elementor-widget-text-editor\" data-id=\"2a986de\" 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;\">Untuk memahami penerapan batas Rp2 miliar, berikut beberapa contoh sederhana dengan asumsi seluruh persyaratan penjaminan telah dipenuhi.\u00a0<\/span><\/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-b477fe3 elementor-widget elementor-widget-tablepress-table\" data-id=\"b477fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-285\" class=\"tablepress tablepress-id-285\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Kondisi simpanan<\/strong><\/th><th class=\"column-2\"><strong>Total saldo<\/strong><\/th><th class=\"column-3\"><strong>Maksimal dijamin LPS<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Tabungan di Bank A<\/td><td class=\"column-2\">Rp500 juta<\/td><td class=\"column-3\">Rp500 juta<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Tabungan dan deposito di Bank A<\/td><td class=\"column-2\">Rp1,8 miliar<\/td><td class=\"column-3\">Rp1,8 miliar<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Beberapa rekening di Bank A<\/td><td class=\"column-2\">Rp3 miliar<\/td><td class=\"column-3\">Rp2 miliar<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Rp1,5 miliar di Bank A dan Rp1,5 miliar di Bank B<\/td><td class=\"column-2\">Rp3 miliar<\/td><td class=\"column-3\">Rp3 miliar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-285 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ed672 elementor-widget elementor-widget-text-editor\" data-id=\"c1ed672\" 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;\">Pada contoh terakhir, simpanan dapat berada dalam batas penjaminan karena dana ditempatkan pada dua bank berbeda. Batas Rp2 miliar dihitung secara terpisah untuk setiap bank.<\/span><\/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-28bbe6e elementor-widget elementor-widget-heading\" data-id=\"28bbe6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apakah_Deposito_dengan_Bunga_Tinggi_Dijamin_LPS\"><\/span>Apakah Deposito dengan Bunga Tinggi Dijamin LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc9560b elementor-widget elementor-widget-text-editor\" data-id=\"fc9560b\" 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;\">Deposito menjadi salah satu pilihan untuk menyimpan dana karena menawarkan bunga dengan jangka waktu tertentu. Namun, nasabah perlu memperhatikan tingkat bunga yang ditawarkan bank agar simpanannya tetap memenuhi persyaratan penjaminan LPS.<\/span><\/p><p><span style=\"font-weight: 400;\">Jika nasabah menerima bunga simpanan yang melebihi Tingkat Bunga Penjaminan (TBP) LPS, simpanannya dapat dinyatakan tidak layak dibayar. Ketentuan ini berlaku meskipun nominal simpanan masih berada di bawah batas Rp2 miliar.<\/span><\/p><p><span style=\"font-weight: 400;\">Sebagai ilustrasi, apabila tingkat bunga penjaminan yang berlaku adalah 4% per tahun, sedangkan deposito menawarkan bunga 5% per tahun, simpanan tersebut berisiko tidak memenuhi persyaratan penjaminan. Angka ini hanya contoh perhitungan, bukan tingkat bunga penjaminan yang berlaku saat ini.<\/span><\/p><p><span style=\"font-weight: 400;\">Tingkat bunga penjaminan dapat berubah sesuai evaluasi LPS. Oleh karena itu, nasabah sebaiknya memeriksa ketentuan terbaru sebelum membuka atau memperpanjang deposito.<\/span><\/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-5b5a8c7 elementor-widget elementor-widget-heading\" data-id=\"5b5a8c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Bagaimana_Cara_Mengecek_Bank_Peserta_LPS\"><\/span>Bagaimana Cara Mengecek Bank Peserta LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8aae19 elementor-widget elementor-widget-text-editor\" data-id=\"c8aae19\" 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;\">Sebelum membuka rekening atau menempatkan deposito, nasabah dapat memastikan status kepesertaan bank melalui informasi resmi LPS.<\/span><\/p><p><span style=\"font-weight: 400;\">Berikut langkah yang dapat dilakukan:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kunjungi situs resmi<\/span><a href=\"https:\/\/lps.go.id\/?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">Lembaga Penjamin Simpanan<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cari informasi mengenai bank peserta penjaminan atau daftar bank yang tersedia melalui kanal resmi LPS.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pastikan nama dan identitas bank sesuai dengan lembaga tempat kamu akan menyimpan dana.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Periksa juga tingkat bunga penjaminan terbaru dan persyaratan simpanan yang dijamin.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Bank peserta LPS umumnya juga menyediakan informasi kepesertaan penjaminan melalui kantor cabang maupun kanal digitalnya.<\/span><\/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-9f9be29 elementor-widget elementor-widget-heading\" data-id=\"9f9be29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apakah_Saham_Emas_dan_Kripto_Dijamin_LPS\"><\/span>Apakah Saham, Emas, dan Kripto Dijamin LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6da394 elementor-widget elementor-widget-text-editor\" data-id=\"c6da394\" 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;\">Penjaminan LPS berlaku untuk simpanan perbankan yang memenuhi ketentuan. Sementara itu, saham, emas, dan aset kripto merupakan instrumen investasi dengan karakteristik serta risiko yang berbeda.<\/span><\/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-3c9dc8a elementor-widget elementor-widget-html\" data-id=\"3c9dc8a\" 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\r\n<section class=\"nv-lps-assets\">\r\n  <div class=\"nv-lps-assets-head\">\r\n    <span class=\"nv-lps-assets-eyebrow\">\r\n      INFOGRAFIS \u2022 SIMPANAN DAN INVESTASI\r\n    <\/span>\r\n    <h2><span class=\"ez-toc-section\" id=\"Apa_Saja_yang_Dijamin_LPS\"><\/span>Apa Saja yang Dijamin LPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n    <p>\r\n      Kenali perbedaan cakupan penjaminan LPS\r\n      pada simpanan bank dan produk investasi.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-lps-assets-grid\">\r\n\r\n    <!-- Simpanan Bank -->\r\n    <article class=\"nv-lps-assets-card nv-lps-assets-savings\">\r\n      <div class=\"nv-lps-assets-icon\">\r\n        <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M24 5L39 11V22C39 32 32 39 24 43C16 39 9 32 9 22V11L24 5Z\"\r\n                stroke=\"currentColor\" stroke-width=\"2.7\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M16 24L22 30L33 18\"\r\n                stroke=\"currentColor\" stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-lps-assets-label\">SIMPANAN BANK<\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Tabungan_Deposito_dan_Giro\"><\/span>Tabungan, Deposito, dan Giro<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n      <p>\r\n        Produk simpanan perbankan dan bentuk simpanan\r\n        lain yang memenuhi ketentuan LPS.\r\n      <\/p>\r\n\r\n      <div class=\"nv-lps-assets-status\">\r\n        <span class=\"nv-lps-assets-status-dot\"><\/span>\r\n        Dapat dijamin LPS*\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- Produk Investasi -->\r\n    <article class=\"nv-lps-assets-card nv-lps-assets-invest\">\r\n      <div class=\"nv-lps-assets-icon\">\r\n        <svg viewBox=\"0 0 48 48\" fill=\"none\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M7 39V9M7 39H42\"\r\n                stroke=\"currentColor\" stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\/>\r\n          <path d=\"M13 32L22 23L29 28L41 12\"\r\n                stroke=\"currentColor\" stroke-width=\"3\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M33 12H41V20\"\r\n                stroke=\"currentColor\" stroke-width=\"2.7\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-lps-assets-label\">PRODUK INVESTASI<\/span>\r\n      <h3><span class=\"ez-toc-section\" id=\"Saham_Emas_dan_Aset_Kripto\"><\/span>Saham, Emas, dan Aset Kripto<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n      <p>\r\n        Instrumen investasi dengan karakteristik,\r\n        mekanisme pengawasan, dan risiko masing-masing.\r\n      <\/p>\r\n\r\n      <div class=\"nv-lps-assets-status\">\r\n        <span class=\"nv-lps-assets-status-dot\"><\/span>\r\n        Tidak dijamin LPS\r\n      <\/div>\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <div class=\"nv-lps-assets-note\">\r\n    <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n         aria-hidden=\"true\">\r\n      <circle cx=\"12\" cy=\"12\" r=\"9\"\r\n              stroke=\"currentColor\" stroke-width=\"1.8\"\/>\r\n      <path d=\"M12 11V16M12 8H12.01\"\r\n            stroke=\"currentColor\" stroke-width=\"2\"\r\n            stroke-linecap=\"round\"\/>\r\n    <\/svg>\r\n    <p>\r\n      *Simpanan bank harus memenuhi batas nominal dan\r\n      seluruh persyaratan penjaminan LPS yang berlaku.\r\n      Produk investasi memiliki risiko pasar dan\r\n      tidak termasuk dalam penjaminan simpanan LPS.\r\n    <\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n.nv-lps-assets,\r\n.nv-lps-assets * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-assets {\r\n  max-width: 960px;\r\n  margin: 28px auto;\r\n  padding: 28px;\r\n  background: #fff;\r\n  border: 1px solid #e9e6f0;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n}\r\n\r\n.nv-lps-assets-head {\r\n  margin-bottom: 23px;\r\n}\r\n\r\n.nv-lps-assets-eyebrow {\r\n  display: block;\r\n  margin-bottom: 10px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-lps-assets-head h2 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949 !important;\r\n  font-size: clamp(21px, 3vw, 27px);\r\n  font-weight: 800;\r\n  line-height: 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38px;\r\n}\r\n\r\n.nv-lps-assets-label {\r\n  margin-bottom: 8px;\r\n  font-size: 10px;\r\n  font-weight: 850;\r\n  letter-spacing: 1px;\r\n}\r\n\r\n.nv-lps-assets-card h3 {\r\n  margin: 0 0 10px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 17px;\r\n  font-weight: 800;\r\n  line-height: 1.45;\r\n}\r\n\r\n.nv-lps-assets-card p {\r\n  margin: 0 0 20px;\r\n  color: #637089;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-lps-assets-status {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  gap: 8px;\r\n  margin-top: auto;\r\n  padding: 9px 12px;\r\n  background: rgba(255,255,255,.85);\r\n  border-radius: 9px;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-lps-assets-status-dot {\r\n  width: 8px;\r\n  height: 8px;\r\n  background: currentColor;\r\n  border-radius: 50%;\r\n}\r\n\r\n.nv-lps-assets-note {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 17px;\r\n  padding: 14px 16px;\r\n  background: #faf9fd;\r\n  border: 1px solid #ece8f5;\r\n  border-radius: 12px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-assets-note svg {\r\n  width: 19px;\r\n  height: 19px;\r\n  flex-shrink: 0;\r\n  margin-top: 2px;\r\n}\r\n\r\n.nv-lps-assets-note p {\r\n  margin: 0;\r\n  color: #647089;\r\n  font-size: 12px;\r\n  line-height: 1.7;\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-lps-assets {\r\n    padding: 18px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-lps-assets-grid {\r\n    grid-template-columns: 1fr;\r\n    gap: 12px;\r\n  }\r\n\r\n  .nv-lps-assets-card {\r\n    padding: 19px;\r\n  }\r\n\r\n  .nv-lps-assets-icon {\r\n    width: 54px;\r\n    height: 54px;\r\n  }\r\n\r\n  .nv-lps-assets-icon svg {\r\n    width: 32px;\r\n    height: 32px;\r\n  }\r\n\r\n  .nv-lps-assets-card h3 {\r\n    font-size: 16px;\r\n  }\r\n\r\n  .nv-lps-assets-card p {\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-lps-assets-note {\r\n    padding: 12px;\r\n  }\r\n}\r\n<\/style>\r\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9832f72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9832f72\" 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-b72cf06\" data-id=\"b72cf06\" 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-011ac2a elementor-widget elementor-widget-text-editor\" data-id=\"011ac2a\" 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;\">Produk investasi memiliki mekanisme pengaturan, pengawasan, dan perlindungan konsumen sesuai jenis produknya. Nilai investasi juga dapat mengalami kenaikan maupun penurunan mengikuti kondisi pasar.<\/span><\/p><p><span style=\"font-weight: 400;\">Karena itu, penting untuk memahami karakteristik produk keuangan sebelum memutuskan tempat menyimpan atau mengembangkan dana.<\/span><\/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-1932755 elementor-widget elementor-widget-heading\" data-id=\"1932755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Tips_Mengelola_Simpanan_dan_Investasi\"><\/span>Tips Mengelola Simpanan dan Investasi<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89540f5 elementor-widget elementor-widget-text-editor\" data-id=\"89540f5\" 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;\">Mengelola keuangan dapat dimulai dengan menentukan tujuan penggunaan dana. Kebutuhan sehari-hari, dana darurat, dan investasi jangka panjang sebaiknya direncanakan berdasarkan prioritas masing-masing.<\/span><\/p><p><span style=\"font-weight: 400;\">Beberapa langkah yang dapat diterapkan adalah:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Siapkan dana kebutuhan rutin.<\/b><span style=\"font-weight: 400;\"> Gunakan rekening yang mudah diakses untuk pengeluaran sehari-hari dan kewajiban bulanan.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bangun dana darurat. <\/b><span style=\"font-weight: 400;\">Pertimbangkan instrumen yang likuid dan memiliki risiko rendah agar dana tersedia ketika diperlukan.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perhatikan batas penjaminan.<\/b><span style=\"font-weight: 400;\"> Jika menyimpan dana dalam jumlah besar di bank, pahami perhitungan penjaminan per nasabah per bank.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Alokasikan dana investasi sesuai tujuan. <\/b><span style=\"font-weight: 400;\">Pertimbangkan jangka waktu, toleransi risiko, dan kondisi keuangan sebelum memilih instrumen investasi.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Setelah kebutuhan dasar dan dana darurat direncanakan, investasi dapat dipertimbangkan sebagai bagian dari strategi keuangan jangka panjang. <\/span><\/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-96856ed elementor-widget elementor-widget-image\" data-id=\"96856ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"788\" height=\"526\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-1024x683.webp\" class=\"attachment-large size-large wp-image-27963\" alt=\"\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-450x300.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace-1200x800.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/10\/Warm-Financial-Planning-Workspace.webp 1536w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Tips Mengelola Simpanan dan Investasi - Blog Nanovest\" \/>\t\t\t\t\t\t\t\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-3e0c4d9 elementor-widget elementor-widget-heading\" data-id=\"3e0c4d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Mulai_Jelajahi_Pilihan_Investasi_di_Nanovest\"><\/span>Mulai Jelajahi Pilihan Investasi di Nanovest <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1560b28 elementor-widget elementor-widget-html\" data-id=\"1560b28\" 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\r\n<section class=\"nv-lps-cta\">\r\n\r\n  <div class=\"nv-lps-cta-top\">\r\n    <div class=\"nv-lps-cta-copy\">\r\n\r\n      <span class=\"nv-lps-cta-eyebrow\">\r\n        NANOVEST \u2022 INVESTASI DIGITAL\r\n      <\/span>\r\n\r\n      <h2><span class=\"ez-toc-section\" id=\"Kenali_Pilihan_Investasi_untuk_Tujuan_Finansialmu\"><\/span>\r\n        Kenali Pilihan Investasi untuk\r\n        Tujuan Finansialmu\r\n      <span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n      <p>\r\n        Setelah memahami perlindungan simpanan bank,\r\n        kamu bisa mulai mempelajari berbagai instrumen\r\n        investasi. Melalui Nanovest, jelajahi saham\r\n        Amerika Serikat, emas digital, dan aset kripto\r\n        sesuai tujuan serta profil risikomu.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n    <!-- Illustration -->\r\n    <div class=\"nv-lps-cta-art\" aria-hidden=\"true\">\r\n      <svg viewBox=\"0 0 220 165\" fill=\"none\"\r\n           xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\r\n        <circle cx=\"118\" cy=\"80\" r=\"72\"\r\n                fill=\"#FFFFFF\" opacity=\".07\"\/>\r\n\r\n        <rect x=\"23\" y=\"34\" width=\"160\" height=\"105\"\r\n              rx=\"15\" fill=\"#FFFFFF\"\/>\r\n\r\n        <rect x=\"23\" y=\"34\" width=\"160\" height=\"24\"\r\n              rx=\"15\" fill=\"#EDE6FC\"\/>\r\n\r\n        <circle cx=\"39\" cy=\"46\" r=\"3\" fill=\"#C8B6EE\"\/>\r\n        <circle cx=\"49\" cy=\"46\" r=\"3\" fill=\"#C8B6EE\"\/>\r\n        <circle cx=\"59\" cy=\"46\" r=\"3\" fill=\"#C8B6EE\"\/>\r\n\r\n        <path d=\"M42 113L69 95L94 102L123 72L162 82\"\r\n              stroke=\"#7041C6\" stroke-width=\"5\"\r\n              stroke-linecap=\"round\"\r\n              stroke-linejoin=\"round\"\/>\r\n\r\n        <circle cx=\"123\" cy=\"72\" r=\"5\"\r\n                fill=\"#7041C6\"\/>\r\n\r\n        <rect x=\"42\" y=\"70\" width=\"43\" height=\"5\"\r\n              rx=\"2.5\" fill=\"#E5D9FA\"\/>\r\n\r\n        <rect x=\"42\" y=\"80\" width=\"28\" height=\"5\"\r\n              rx=\"2.5\" fill=\"#E5D9FA\"\/>\r\n\r\n        <circle cx=\"174\" cy=\"119\" r=\"29\"\r\n                fill=\"#F6C767\"\/>\r\n\r\n        <circle cx=\"174\" cy=\"119\" r=\"22\"\r\n                stroke=\"#D89D31\" stroke-width=\"2\"\/>\r\n\r\n        <path d=\"M165 112H182M165 119H181M169 112V127\"\r\n              stroke=\"#9B681C\" stroke-width=\"2.5\"\r\n              stroke-linecap=\"round\"\/>\r\n\r\n        <circle cx=\"191\" cy=\"35\" r=\"17\"\r\n                fill=\"#BFA6EF\"\/>\r\n\r\n        <path d=\"M184 35L189 40L198 30\"\r\n              stroke=\"#FFFFFF\" stroke-width=\"3\"\r\n              stroke-linecap=\"round\"\r\n              stroke-linejoin=\"round\"\/>\r\n\r\n      <\/svg>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Investment links -->\r\n  <div class=\"nv-lps-cta-links\">\r\n\r\n    <a href=\"https:\/\/www.nanovest.io\/saham-amerika\/\"\r\n       class=\"nv-lps-cta-link\"\r\n       aria-label=\"Jelajahi Saham Amerika Serikat di Nanovest\">\r\n      <span class=\"nv-lps-cta-link-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M3 19V5M3 19H21M7 15L12 10L15 13L21 6\"\r\n                stroke=\"currentColor\" stroke-width=\"1.9\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/span>\r\n      <span>Saham Amerika Serikat<\/span>\r\n      <span class=\"nv-lps-cta-arrow\">\u2197<\/span>\r\n    <\/a>\r\n\r\n    <a href=\"https:\/\/www.nanovest.io\/nanovest-gold\/\"\r\n       class=\"nv-lps-cta-link\"\r\n       aria-label=\"Jelajahi Emas Digital di Nanovest\">\r\n      <span class=\"nv-lps-cta-link-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M4 17L8 9H16L20 17H4Z\"\r\n                stroke=\"currentColor\" stroke-width=\"1.9\"\r\n                stroke-linejoin=\"round\"\/>\r\n          <path d=\"M8 9L12 17L16 9\"\r\n                stroke=\"currentColor\" stroke-width=\"1.9\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/span>\r\n      <span>Emas Digital<\/span>\r\n      <span class=\"nv-lps-cta-arrow\">\u2197<\/span>\r\n    <\/a>\r\n\r\n    <a href=\"https:\/\/www.nanovest.io\/kripto\/\"\r\n       class=\"nv-lps-cta-link\"\r\n       aria-label=\"Jelajahi Aset Kripto di Nanovest\">\r\n      <span class=\"nv-lps-cta-link-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             aria-hidden=\"true\">\r\n          <circle cx=\"12\" cy=\"12\" r=\"9\"\r\n                  stroke=\"currentColor\"\r\n                  stroke-width=\"1.9\"\/>\r\n          <path d=\"M10 6V18M13 6V18M9 8H14C17 8 17 12 14 12H9M9 12H14.5C18 12 18 16 14.5 16H9\"\r\n                stroke=\"currentColor\"\r\n                stroke-width=\"1.6\"\r\n                stroke-linecap=\"round\"\r\n                stroke-linejoin=\"round\"\/>\r\n        <\/svg>\r\n      <\/span>\r\n      <span>Aset Kripto<\/span>\r\n      <span class=\"nv-lps-cta-arrow\">\u2197<\/span>\r\n    <\/a>\r\n\r\n  <\/div>\r\n\r\n  <p class=\"nv-lps-cta-disclaimer\">\r\n    Investasi mengandung risiko, termasuk potensi\r\n    kehilangan sebagian atau seluruh modal.\r\n    Produk investasi tersebut tidak dijamin oleh LPS.\r\n  <\/p>\r\n\r\n<\/section>\r\n\r\n<style>\r\n.nv-lps-cta,\r\n.nv-lps-cta * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-cta {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 30px auto;\r\n  padding: 32px;\r\n  background: 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elementor-size-default\"><span class=\"ez-toc-section\" id=\"FAQ_Seputar_LPS\"><\/span>FAQ Seputar LPS<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fee064f elementor-widget elementor-widget-html\" data-id=\"fee064f\" 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\r\n<section class=\"nv-lps-faq\" aria-label=\"FAQ Seputar LPS\">\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah semua bank di Indonesia dijamin LPS?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Bank umum dan BPR\/BPRS yang beroperasi di\r\n      Indonesia wajib menjadi peserta penjaminan LPS\r\n      sesuai ketentuan. Namun, kelayakan simpanan\r\n      tetap bergantung pada persyaratan penjaminan.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah uang di bank digital dijamin LPS?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Ya, sepanjang bank digital tersebut merupakan\r\n      bank peserta LPS dan simpanan nasabah memenuhi\r\n      persyaratan yang berlaku.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah deposito Rp100 juta dijamin LPS?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Deposito Rp100 juta berada di bawah batas\r\n      nominal Rp2 miliar per nasabah per bank.\r\n      Namun, simpanan tetap harus memenuhi kriteria\r\n      3T, termasuk ketentuan tingkat bunga penjaminan.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah bunga deposito juga dijamin LPS?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Bunga simpanan diperhitungkan dalam nilai\r\n      simpanan yang dijamin sesuai ketentuan.\r\n      Total penjaminan tetap dibatasi Rp2 miliar\r\n      per nasabah per bank.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah simpanan di dua bank berbeda dijamin secara terpisah?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Ya. Batas penjaminan dihitung per nasabah\r\n      per bank. Simpanan pada dua bank berbeda\r\n      diperhitungkan secara terpisah.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Bagaimana jika simpanan melebihi Rp2 miliar?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Bagian simpanan di atas Rp2 miliar berada\r\n      di luar batas penjaminan LPS. Penyelesaian\r\n      bagian tersebut mengikuti mekanisme yang\r\n      berlaku terhadap bank terkait.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-lps-faq-item\">\r\n    <summary>Apakah rekening yang jarang digunakan tetap dijamin?<\/summary>\r\n    <div class=\"nv-lps-faq-answer\">\r\n      Rekening yang jarang digunakan dapat\r\n      memenuhi penjaminan selama simpanannya\r\n      tercatat dan seluruh persyaratan\r\n      kelayakan terpenuhi.\r\n    <\/div>\r\n  <\/details>\r\n\r\n<\/section>\r\n\r\n<style>\r\n.nv-lps-faq,\r\n.nv-lps-faq * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-lps-faq {\r\n  max-width: 960px;\r\n  margin: 22px auto;\r\n  padding: 7px 20px;\r\n  background: #ffffff;\r\n  border: 1px solid #e8e5f0;\r\n  border-radius: 16px;\r\n  font-family: inherit;\r\n}\r\n\r\n.nv-lps-faq-item {\r\n  margin: 0;\r\n  padding: 0;\r\n  border-bottom: 1px solid #eceaf2;\r\n}\r\n\r\n.nv-lps-faq-item:last-child {\r\n  border-bottom: none;\r\n}\r\n\r\n.nv-lps-faq-item summary {\r\n  position: relative;\r\n  display: block;\r\n  padding: 19px 37px 19px 2px;\r\n  color: #24314b;\r\n  font-size: 14px;\r\n  font-weight: 750;\r\n  line-height: 1.55;\r\n  cursor: pointer;\r\n  list-style: none;\r\n  transition: color .2s ease;\r\n}\r\n\r\n.nv-lps-faq-item summary::-webkit-details-marker {\r\n  display: none;\r\n}\r\n\r\n.nv-lps-faq-item summary::marker {\r\n  content: \"\";\r\n}\r\n\r\n\/* Plus icon *\/\r\n.nv-lps-faq-item summary::before,\r\n.nv-lps-faq-item summary::after {\r\n  content: \"\";\r\n  position: absolute;\r\n  top: 50%;\r\n  right: 8px;\r\n  background: #7041c6;\r\n  border-radius: 2px;\r\n  transform: translateY(-50%);\r\n  transition: transform .2s ease;\r\n}\r\n\r\n.nv-lps-faq-item summary::before {\r\n  width: 14px;\r\n  height: 2px;\r\n}\r\n\r\n.nv-lps-faq-item summary::after {\r\n  right: 14px;\r\n  width: 2px;\r\n  height: 14px;\r\n}\r\n\r\n.nv-lps-faq-item[open] summary {\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-faq-item[open] summary::after {\r\n  transform: translateY(-50%) rotate(90deg);\r\n}\r\n\r\n.nv-lps-faq-item summary:hover {\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-lps-faq-item summary:focus-visible {\r\n  outline: 2px solid #7041c6;\r\n  outline-offset: 3px;\r\n  border-radius: 4px;\r\n}\r\n\r\n.nv-lps-faq-answer {\r\n  padding: 0 37px 19px 2px;\r\n  color: #647089;\r\n  font-size: 13px;\r\n  line-height: 1.8;\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-lps-faq {\r\n    padding: 5px 14px;\r\n    border-radius: 13px;\r\n  }\r\n\r\n  .nv-lps-faq-item summary {\r\n    padding: 17px 32px 17px 1px;\r\n    font-size: 13px;\r\n  }\r\n\r\n  .nv-lps-faq-answer {\r\n    padding: 0 27px 17px 1px;\r\n    font-size: 12px;\r\n  }\r\n}\r\n<\/style>\r\n\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>Menyimpan uang di bank menjadi salah satu cara masyarakat mengelola keuangan, baik melalui tabungan, giro, maupun deposito. Namun, bagaimana jika bank tempat menyimpan uang mengalami masalah keuangan hingga harus ditutup? Di Indonesia, terdapat Lembaga Penjamin Simpanan (LPS) yang memberikan perlindungan terhadap simpanan nasabah sesuai persyaratan tertentu. Keberadaan lembaga ini membantu menjaga kepercayaan masyarakat terhadap perbankan,<\/p>\n","protected":false},"author":35,"featured_media":27949,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[479],"class_list":["post-27948","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 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"LPS adalah lembaga penjamin simpanan bank di Indonesia. 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