{"id":29383,"date":"2026-11-03T10:45:50","date_gmt":"2026-11-03T03:45:50","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=29383"},"modified":"2026-11-03T10:46:50","modified_gmt":"2026-11-03T03:46:50","slug":"apa-itu-devisa","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/","title":{"rendered":"Apa Itu Devisa? Kenali Fungsi dan Perannya bagi Negara"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29383\" class=\"elementor elementor-29383\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cbaf54b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cbaf54b\" 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-1fedcc24\" data-id=\"1fedcc24\" 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-39a2943e elementor-widget elementor-widget-text-editor\" data-id=\"39a2943e\" 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;\">Devisa memiliki peran penting dalam kegiatan ekonomi internasional, mulai dari perdagangan antarnegara hingga pembayaran kewajiban luar negeri. Bagi Indonesia, devisa juga berkaitan dengan transaksi ekspor, arus modal, dan stabilitas nilai tukar rupiah.<\/span><\/p><p><span style=\"font-weight: 400;\">Lantas, apa itu devisa, apa saja jenisnya, dan bagaimana penggunaannya dalam perekonomian? 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-e3f92b4 elementor-widget elementor-widget-heading\" data-id=\"e3f92b4\" 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\/apa-itu-devisa-29383\/#Apa_Itu_Devisa\" >Apa Itu Devisa?<\/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\/apa-itu-devisa-29383\/#Apa_Saja_Contoh_Devisa\" >Apa Saja Contoh Devisa?<\/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\/apa-itu-devisa-29383\/#Jenis-Jenis_Devisa\" >Jenis-Jenis Devisa<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#1_Jenis_Devisa_Berdasarkan_Sumbernya\" >1. Jenis Devisa Berdasarkan Sumbernya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#2_Jenis_Devisa_Berdasarkan_Bentuknya\" >2. Jenis Devisa Berdasarkan Bentuknya<\/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\/apa-itu-devisa-29383\/#4_Jenis_Devisa_yang_Perlu_Diketahui\" >4 Jenis Devisa yang Perlu Diketahui<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Berdasarkan_Sumber_Perolehan\" >Berdasarkan Sumber Perolehan<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Devisa_Umum\" >Devisa Umum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Devisa_Kredit\" >Devisa Kredit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Berdasarkan_Bentuknya\" >Berdasarkan Bentuknya<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Devisa_Kartal\" >Devisa Kartal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Devisa_Giral\" >Devisa Giral<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Apa_Perbedaan_Devisa_dan_Valuta_Asing\" >Apa Perbedaan Devisa dan Valuta Asing?<\/a><\/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\/apa-itu-devisa-29383\/#Dari_Mana_Sumber_Devisa_Negara\" >Dari Mana Sumber Devisa Negara?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#1_Ekspor_Barang_dan_Jasa\" >1. Ekspor Barang dan Jasa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#2_Pariwisata_Internasional\" >2. Pariwisata Internasional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#3_Remitansi_Pekerja_Migran\" >3. Remitansi Pekerja Migran<\/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\/apa-itu-devisa-29383\/#4_Investasi_dan_Pembiayaan_Luar_Negeri\" >4. Investasi dan Pembiayaan Luar Negeri<\/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\/apa-itu-devisa-29383\/#5_Hibah_dan_Penerimaan_Internasional_Lainnya\" >5. Hibah dan Penerimaan Internasional Lainnya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#5_Sumber_Devisa_Negara\" >5 Sumber Devisa Negara<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Ekspor_Barang_Jasa\" >Ekspor Barang & Jasa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Pariwisata_Internasional\" >Pariwisata Internasional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Remitansi\" >Remitansi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Investasi_Pembiayaan_Asing\" >Investasi & Pembiayaan Asing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Hibah_Internasional\" >Hibah Internasional<\/a><\/li><\/ul><\/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\/apa-itu-devisa-29383\/#Apa_Fungsi_Devisa_bagi_Negara\" >Apa Fungsi Devisa bagi Negara?<\/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\/apa-itu-devisa-29383\/#Bagaimana_Devisa_Masuk_ke_Indonesia\" >Bagaimana Devisa Masuk ke Indonesia?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Bagaimana_Devisa_Ekspor_Masuk_ke_Indonesia\" >Bagaimana Devisa Ekspor Masuk ke Indonesia?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Perusahaan_Indonesia_Mengekspor_Barang\" >Perusahaan Indonesia Mengekspor Barang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Pembeli_Luar_Negeri_Melakukan_Pembayaran\" >Pembeli Luar Negeri Melakukan Pembayaran<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Dana_Diterima_melalui_Bank_di_Indonesia\" >Dana Diterima melalui Bank di Indonesia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Devisa_Dikelola_Sesuai_Ketentuan\" >Devisa Dikelola Sesuai Ketentuan<\/a><\/li><\/ul><\/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\/apa-itu-devisa-29383\/#Apa_Itu_Devisa_Hasil_Ekspor_DHE\" >Apa Itu Devisa Hasil Ekspor (DHE)?<\/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\/apa-itu-devisa-29383\/#Apa_Itu_Cadangan_Devisa\" >Apa Itu Cadangan Devisa?<\/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\/apa-itu-devisa-29383\/#Berapa_Cadangan_Devisa_Indonesia\" >Berapa Cadangan Devisa Indonesia?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Cadangan_Devisa_Indonesia\" >Cadangan Devisa Indonesia<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Perkembangan_Cadangan_Devisa\" >Perkembangan Cadangan Devisa<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Bagaimana_Pengaruh_Devisa_terhadap_Nilai_Tukar_Rupiah\" >Bagaimana Pengaruh Devisa terhadap Nilai Tukar Rupiah?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Bagaimana_Devisa_Memengaruhi_Rupiah\" >Bagaimana Devisa Memengaruhi Rupiah?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Valuta_Asing_Masuk\" >Valuta Asing Masuk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Kebutuhan_Valuta_Asing_Meningkat\" >Kebutuhan Valuta Asing Meningkat<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Apa_Hubungan_Devisa_dengan_Investasi\" >Apa Hubungan Devisa dengan Investasi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Kesimpulan\" >Kesimpulan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#Mulai_Jelajahi_Investasi_Global\" >Mulai Jelajahi Investasi Global<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/#FAQ_Seputar_Devisa\" >FAQ Seputar Devisa<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Itu_Devisa\"><\/span>Apa Itu Devisa?<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-981040a elementor-widget elementor-widget-text-editor\" data-id=\"981040a\" 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;\">Devisa adalah aset dan kewajiban finansial yang digunakan dalam transaksi internasional. Berdasarkan Undang-Undang Nomor 24 Tahun 1999 tentang Lalu Lintas Devisa dan Sistem Nilai Tukar, devisa mencakup aset serta kewajiban finansial yang digunakan dalam transaksi internasional.<\/span><\/p><p><span style=\"font-weight: 400;\">Dalam praktik sehari-hari, devisa sering dikaitkan dengan mata uang asing seperti dolar Amerika Serikat (USD), euro (EUR), dan yen Jepang (JPY). Mata uang tersebut digunakan untuk memfasilitasi pembayaran lintas negara, termasuk perdagangan barang dan jasa.<\/span><\/p><p><span style=\"font-weight: 400;\">Sebagai contoh, ketika perusahaan Indonesia mengekspor kopi ke Amerika Serikat dan menerima pembayaran dalam dolar AS, penerimaan tersebut merupakan salah satu bentuk devisa hasil ekspor.<\/span><\/p><p><span style=\"font-weight: 400;\">Devisa juga perlu dibedakan dari cadangan devisa, yaitu aset eksternal yang dikuasai otoritas moneter dan tersedia untuk kebutuhan tertentu, termasuk pembiayaan transaksi internasional serta menjaga stabilitas ekonomi.<\/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-5dfaa7c elementor-widget elementor-widget-heading\" data-id=\"5dfaa7c\" 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_Saja_Contoh_Devisa\"><\/span>Apa Saja Contoh Devisa?<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-1e0f936 elementor-widget elementor-widget-text-editor\" data-id=\"1e0f936\" 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;\">Devisa dapat berbentuk uang tunai maupun aset keuangan yang digunakan untuk transaksi internasional. Berikut beberapa contoh yang umum ditemui:<\/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-a78a6a1 elementor-widget elementor-widget-tablepress-table\" data-id=\"a78a6a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-329\" class=\"tablepress tablepress-id-329\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Contoh Devisa<\/strong><\/th><th class=\"column-2\"><strong>Penggunaan<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Dolar AS (USD)<\/td><td class=\"column-2\">Pembayaran ekspor dan impor internasional<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Euro (EUR)<\/td><td class=\"column-2\">Transaksi perdagangan dengan negara-negara Eropa<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Yen Jepang (JPY)<\/td><td class=\"column-2\">Pembayaran perdagangan dan transaksi keuangan dengan Jepang<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Simpanan valuta asing<\/td><td class=\"column-2\">Menyimpan dana dalam mata uang asing untuk transaksi lintas negara<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Cek dan wesel internasional<\/td><td class=\"column-2\">Instrumen pembayaran yang digunakan dalam transaksi internasional<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-329 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93a55f2 elementor-widget elementor-widget-text-editor\" data-id=\"93a55f2\" 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;\">Penggunaan mata uang asing sebagai devisa bergantung pada jenis transaksi dan penerimaannya dalam sistem pembayaran internasional.\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-d5107f2 elementor-widget elementor-widget-image\" data-id=\"d5107f2\" 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\/11\/International-Trade-at-Sunset-1024x683.webp\" class=\"attachment-large size-large wp-image-29387\" alt=\"Dolar AS, euro, dan yen Jepang sebagai contoh mata uang asing yang digunakan dalam transaksi internasional.\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-450x300.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset-1200x800.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/International-Trade-at-Sunset.webp 1536w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Ilustrasi mata uang asing dan dokumen perdagangan internasional. - 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-cfa71bd elementor-widget elementor-widget-heading\" data-id=\"cfa71bd\" 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-Jenis_Devisa\"><\/span>Jenis-Jenis Devisa<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-e5b53d0 elementor-widget elementor-widget-text-editor\" data-id=\"e5b53d0\" 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;\">Dalam materi ekonomi, devisa umumnya dikelompokkan berdasarkan sumber perolehan dan bentuknya. Pembagian ini membantu menjelaskan asal devisa serta cara penggunaannya dalam transaksi internasional.\u00a0<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"1_Jenis_Devisa_Berdasarkan_Sumbernya\"><\/span><b>1. Jenis Devisa Berdasarkan Sumbernya<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><b>Devisa Umum<\/b><\/p><p><span style=\"font-weight: 400;\">Devisa umum merupakan devisa yang diperoleh dari kegiatan ekonomi tanpa kewajiban pengembalian sebagai pinjaman. Contohnya berasal dari penerimaan ekspor barang, jasa, dan pariwisata internasional.<\/span><\/p><p><b>Devisa Kredit<\/b><\/p><p><span style=\"font-weight: 400;\">Devisa kredit berasal dari pinjaman atau pembiayaan luar negeri yang menimbulkan kewajiban pembayaran kembali. Contohnya adalah pinjaman dari lembaga keuangan internasional atau kredit luar negeri.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"2_Jenis_Devisa_Berdasarkan_Bentuknya\"><\/span><b>2. Jenis Devisa Berdasarkan Bentuknya<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><b>Devisa Kartal<\/b><\/p><p><span style=\"font-weight: 400;\">Devisa kartal berbentuk uang tunai asing, baik uang kertas maupun uang logam. Contohnya adalah dolar AS atau euro dalam bentuk fisik.<\/span><\/p><p><b>Devisa Giral<\/b><\/p><p><span style=\"font-weight: 400;\">Devisa giral berbentuk simpanan atau instrumen pembayaran non-tunai dalam valuta asing, seperti saldo rekening valuta asing, cek, dan wesel internasional.<\/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-e3f9e99 elementor-widget elementor-widget-html\" data-id=\"e3f9e99\" 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-devisa-types\" aria-label=\"Infografis jenis-jenis devisa\">\r\n  <div class=\"nv-devisa-types-header\">\r\n    <span class=\"nv-devisa-types-eyebrow\">\r\n      INFOGRAFIS \u2022 JENIS DEVISA\r\n    <\/span>\r\n    <h3><span class=\"ez-toc-section\" id=\"4_Jenis_Devisa_yang_Perlu_Diketahui\"><\/span>4 Jenis Devisa yang Perlu Diketahui<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <p>\r\n      Devisa dapat dikelompokkan berdasarkan sumber\r\n      perolehan dan bentuk penggunaannya.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- KATEGORI 1: BERDASARKAN SUMBER -->\r\n  <div class=\"nv-devisa-types-section\">\r\n    <div class=\"nv-devisa-types-category\">\r\n      <span class=\"nv-devisa-types-category-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <rect x=\"3\" y=\"7\" width=\"18\" height=\"14\" rx=\"2\"\/>\r\n          <path d=\"M8 7V5a2 2 0 0 1 2-2h4a2 2 0 0 1 2 2v2\"\/>\r\n          <path d=\"M3 12h18\"\/>\r\n        <\/svg>\r\n      <\/span>\r\n      <div>\r\n        <span class=\"nv-devisa-types-category-number\">01 \/ SUMBER<\/span>\r\n        <h4><span class=\"ez-toc-section\" id=\"Berdasarkan_Sumber_Perolehan\"><\/span>Berdasarkan Sumber Perolehan<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"nv-devisa-types-grid\">\r\n      <article class=\"nv-devisa-types-card\">\r\n        <div class=\"nv-devisa-types-card-top\">\r\n          <span class=\"nv-devisa-types-card-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n                 stroke=\"currentColor\" stroke-width=\"1.8\"\r\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n                 aria-hidden=\"true\">\r\n              <path d=\"M3 9h18v11H3z\"\/>\r\n              <path d=\"m3 9 9-6 9 6\"\/>\r\n              <path d=\"M8 20v-7h8v7\"\/>\r\n            <\/svg>\r\n          <\/span>\r\n          <span class=\"nv-devisa-types-tag\">NONPINJAMAN<\/span>\r\n        <\/div>\r\n        <h5><span class=\"ez-toc-section\" id=\"Devisa_Umum\"><\/span>Devisa Umum<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n        <p>\r\n          Devisa yang diperoleh dari kegiatan ekonomi\r\n          tanpa kewajiban pengembalian sebagai pinjaman.\r\n        <\/p>\r\n        <div class=\"nv-devisa-types-example\">\r\n          <strong>Contoh<\/strong>\r\n          <span>Ekspor barang, jasa, dan pariwisata internasional.<\/span>\r\n        <\/div>\r\n      <\/article>\r\n\r\n      <article class=\"nv-devisa-types-card\">\r\n        <div class=\"nv-devisa-types-card-top\">\r\n          <span class=\"nv-devisa-types-card-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n                 stroke=\"currentColor\" stroke-width=\"1.8\"\r\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n                 aria-hidden=\"true\">\r\n              <path d=\"M4 10h16\"\/>\r\n              <path d=\"m3 10 9-6 9 6\"\/>\r\n              <path d=\"M6 10v9m4-9v9m4-9v9m4-9v9\"\/>\r\n              <path d=\"M3 20h18\"\/>\r\n            <\/svg>\r\n          <\/span>\r\n          <span class=\"nv-devisa-types-tag\">PINJAMAN<\/span>\r\n        <\/div>\r\n        <h5><span class=\"ez-toc-section\" id=\"Devisa_Kredit\"><\/span>Devisa Kredit<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n        <p>\r\n          Devisa yang diperoleh melalui pinjaman atau\r\n          pembiayaan luar negeri dan menimbulkan\r\n          kewajiban pembayaran kembali.\r\n        <\/p>\r\n        <div class=\"nv-devisa-types-example\">\r\n          <strong>Contoh<\/strong>\r\n          <span>Pinjaman dari lembaga keuangan internasional.<\/span>\r\n        <\/div>\r\n      <\/article>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- KATEGORI 2: BERDASARKAN BENTUK -->\r\n  <div class=\"nv-devisa-types-section\">\r\n    <div class=\"nv-devisa-types-category\">\r\n      <span class=\"nv-devisa-types-category-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/>\r\n          <circle cx=\"12\" cy=\"12\" r=\"3\"\/>\r\n          <path d=\"M6 9h.01M18 15h.01\"\/>\r\n        <\/svg>\r\n      <\/span>\r\n      <div>\r\n        <span class=\"nv-devisa-types-category-number\">02 \/ BENTUK<\/span>\r\n        <h4><span class=\"ez-toc-section\" id=\"Berdasarkan_Bentuknya\"><\/span>Berdasarkan Bentuknya<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"nv-devisa-types-grid\">\r\n      <article class=\"nv-devisa-types-card\">\r\n        <div class=\"nv-devisa-types-card-top\">\r\n          <span class=\"nv-devisa-types-card-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n                 stroke=\"currentColor\" stroke-width=\"1.8\"\r\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n                 aria-hidden=\"true\">\r\n              <rect x=\"2\" y=\"6\" width=\"20\" height=\"12\" rx=\"2\"\/>\r\n              <circle cx=\"12\" cy=\"12\" r=\"3\"\/>\r\n              <path d=\"M5 9h.01M19 15h.01\"\/>\r\n            <\/svg>\r\n          <\/span>\r\n          <span class=\"nv-devisa-types-tag\">TUNAI<\/span>\r\n        <\/div>\r\n        <h5><span class=\"ez-toc-section\" id=\"Devisa_Kartal\"><\/span>Devisa Kartal<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n        <p>\r\n          Devisa berbentuk uang tunai asing, baik uang\r\n          kertas maupun uang logam.\r\n        <\/p>\r\n        <div class=\"nv-devisa-types-example\">\r\n          <strong>Contoh<\/strong>\r\n          <span>Uang dolar AS, euro, atau yen dalam bentuk fisik.<\/span>\r\n        <\/div>\r\n      <\/article>\r\n\r\n      <article class=\"nv-devisa-types-card\">\r\n        <div class=\"nv-devisa-types-card-top\">\r\n          <span class=\"nv-devisa-types-card-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n                 stroke=\"currentColor\" stroke-width=\"1.8\"\r\n                 stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n                 aria-hidden=\"true\">\r\n              <rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/>\r\n              <path d=\"M2 10h20\"\/>\r\n              <path d=\"M6 15h5\"\/>\r\n            <\/svg>\r\n          <\/span>\r\n          <span class=\"nv-devisa-types-tag\">NONTUNAI<\/span>\r\n        <\/div>\r\n        <h5><span class=\"ez-toc-section\" id=\"Devisa_Giral\"><\/span>Devisa Giral<span class=\"ez-toc-section-end\"><\/span><\/h5>\r\n        <p>\r\n          Devisa dalam bentuk simpanan atau instrumen\r\n          pembayaran non-tunai dalam valuta asing.\r\n        <\/p>\r\n        <div class=\"nv-devisa-types-example\">\r\n          <strong>Contoh<\/strong>\r\n          <span>Saldo rekening valuta asing, cek, dan wesel internasional.<\/span>\r\n        <\/div>\r\n      <\/article>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-types-footer\">\r\n    <span class=\"nv-devisa-types-footer-icon\" aria-hidden=\"true\">i<\/span>\r\n    <p>\r\n      Klasifikasi umum dan kredit didasarkan pada sumber perolehan,\r\n      sedangkan kartal dan giral didasarkan pada bentuk devisa.\r\n      Keduanya merupakan pengelompokan yang berbeda.\r\n    <\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-types,\r\n.nv-devisa-types *,\r\n.nv-devisa-types *::before,\r\n.nv-devisa-types *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-types {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 26px auto;\r\n  padding: 28px;\r\n  background: #ffffff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  container-type: inline-size;\r\n}\r\n\r\n.nv-devisa-types-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: .9px;\r\n}\r\n\r\n.nv-devisa-types-header h3 {\r\n  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.7px;\r\n}\r\n\r\n.nv-devisa-types-category h4 {\r\n  margin: 0 !important;\r\n  color: #1b2949 !important;\r\n  font-size: 16px;\r\n  font-weight: 800;\r\n  line-height: 1.4;\r\n}\r\n\r\n.nv-devisa-types-grid {\r\n  display: grid;\r\n  grid-template-columns: repeat(2, minmax(0, 1fr));\r\n  gap: 13px;\r\n}\r\n\r\n.nv-devisa-types-card {\r\n  display: flex;\r\n  flex-direction: column;\r\n  min-width: 0;\r\n  padding: 19px;\r\n  background: #faf8fd;\r\n  border: 1px solid #eae3f5;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-devisa-types-card-top {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n  gap: 10px;\r\n  margin-bottom: 15px;\r\n}\r\n\r\n.nv-devisa-types-card-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 41px;\r\n  height: 41px;\r\n  background: #eee5fa;\r\n  border-radius: 11px;\r\n  color: #7041c6;\r\n}\r\n\r\n.nv-devisa-types-card-icon svg {\r\n  width: 23px;\r\n  height: 23px;\r\n}\r\n\r\n.nv-devisa-types-tag {\r\n  padding: 6px 9px;\r\n  color: #7041c6;\r\n  background: #eee5fa;\r\n  border-radius: 6px;\r\n  font-size: 9px;\r\n  font-weight: 800;\r\n  letter-spacing: .4px;\r\n}\r\n\r\n.nv-devisa-types-card h5 {\r\n  margin: 0 0 8px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 16px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-types-card > p {\r\n  margin: 0 0 16px !important;\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-types-example {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 5px;\r\n  margin-top: auto;\r\n  padding-top: 13px;\r\n  border-top: 1px solid #e5dbf2;\r\n}\r\n\r\n.nv-devisa-types-example strong {\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-types-example span {\r\n  color: #58667f;\r\n  font-size: 11.5px;\r\n  line-height: 1.7;\r\n}\r\n\r\n.nv-devisa-types-footer {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 23px;\r\n  padding: 14px;\r\n  background: #f5f1fb;\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-types-footer-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 19px;\r\n  height: 19px;\r\n  flex: 0 0 19px;\r\n  color: #fff;\r\n  background: #7041c6;\r\n  border-radius: 50%;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-types-footer p {\r\n  margin: 0 !important;\r\n  color: #58667f;\r\n  font-size: 11px;\r\n  line-height: 1.75;\r\n}\r\n\r\n@container (max-width: 570px) {\r\n  .nv-devisa-types-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-types {\r\n    padding: 19px 15px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-devisa-types-card {\r\n    padding: 16px;\r\n  }\r\n\r\n  .nv-devisa-types-category h4 {\r\n    font-size: 14px;\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-8473822 elementor-widget elementor-widget-heading\" data-id=\"8473822\" 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_Devisa_dan_Valuta_Asing\"><\/span>Apa Perbedaan Devisa dan Valuta Asing? <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-d2bd2e4 elementor-widget elementor-widget-text-editor\" data-id=\"d2bd2e4\" 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;\">Devisa dan valuta asing (valas) memiliki hubungan erat, tetapi cakupan pengertiannya berbeda.<\/span><\/p><p><b>Valuta asing adalah mata uang yang diterbitkan oleh negara lain<\/b><span style=\"font-weight: 400;\">, seperti dolar AS, euro, atau yen Jepang. Sementara itu, devisa memiliki pengertian lebih luas karena mencakup aset dan kewajiban finansial yang digunakan dalam transaksi internasional.<\/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-87b31eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"87b31eb\" 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-5e42b98\" data-id=\"5e42b98\" 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-f0f3388 elementor-widget elementor-widget-tablepress-table\" data-id=\"f0f3388\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-330\" class=\"tablepress tablepress-id-330\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Aspek<\/strong><\/th><th class=\"column-2\"><strong>Devisa<\/strong><\/th><th class=\"column-3\"><strong>Valuta Asing<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Pengertian<\/strong><\/td><td class=\"column-2\">Aset dan kewajiban finansial untuk transaksi internasional<\/td><td class=\"column-3\">Mata uang negara lain<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Bentuk<\/strong><\/td><td class=\"column-2\">Dapat mencakup mata uang asing dan instrumen keuangan<\/td><td class=\"column-3\">Uang asing dalam bentuk tunai atau saldo<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Penggunaan<\/strong><\/td><td class=\"column-2\">Perdagangan, pembiayaan, dan pembayaran internasional<\/td><td class=\"column-3\">Pembayaran, penukaran, dan penyimpanan mata uang asing<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Contoh<\/strong><\/td><td class=\"column-2\">Penerimaan ekspor dalam USD, tagihan internasional<\/td><td class=\"column-3\">USD, EUR, JPY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-330 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7355d7d elementor-widget elementor-widget-text-editor\" data-id=\"7355d7d\" 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;\">Sebagai contoh, dolar AS yang dimiliki seseorang merupakan valuta asing. Ketika dolar tersebut digunakan atau diterima dalam transaksi perdagangan internasional, mata uang itu juga menjadi bagian dari kegiatan devisa.<\/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-71e09d1 elementor-widget elementor-widget-heading\" data-id=\"71e09d1\" 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=\"Dari_Mana_Sumber_Devisa_Negara\"><\/span>Dari Mana Sumber Devisa Negara? <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-64ed57c elementor-widget elementor-widget-text-editor\" data-id=\"64ed57c\" 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;\">Devisa negara diperoleh melalui berbagai aktivitas ekonomi yang melibatkan transaksi dengan pihak luar negeri. Penerimaan tersebut dapat berasal dari perdagangan internasional, pariwisata, remitansi, hingga investasi asing.<\/span><\/p><p><span style=\"font-weight: 400;\">Berikut beberapa sumber devisa yang berperan dalam perekonomian Indonesia.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"1_Ekspor_Barang_dan_Jasa\"><\/span><b>1. Ekspor Barang dan Jasa<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Ekspor menjadi salah satu sumber utama penerimaan devisa. Ketika perusahaan Indonesia menjual barang atau jasa kepada pembeli di luar negeri dan menerima pembayaran dalam valuta asing, transaksi tersebut menghasilkan devisa.<\/span><\/p><p><span style=\"font-weight: 400;\">Contohnya adalah ekspor batu bara, minyak kelapa sawit, tekstil, serta layanan teknologi kepada pelanggan internasional.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"2_Pariwisata_Internasional\"><\/span><b>2. Pariwisata Internasional<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Wisatawan asing yang berkunjung ke Indonesia turut menghasilkan penerimaan devisa melalui pengeluaran untuk akomodasi, transportasi, makanan, dan aktivitas wisata. Misalnya, wisatawan dari Australia yang berlibur ke Bali dan membelanjakan uangnya di Indonesia berkontribusi terhadap penerimaan jasa pariwisata.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"3_Remitansi_Pekerja_Migran\"><\/span><b>3. Remitansi Pekerja Migran<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Remitansi merupakan pengiriman uang dari pekerja yang berada di luar negeri kepada keluarga atau penerima di negara asal. Dana yang dikirim pekerja migran Indonesia melalui sistem perbankan atau penyedia layanan transfer internasional menjadi salah satu sumber penerimaan valuta asing dari luar negeri.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"4_Investasi_dan_Pembiayaan_Luar_Negeri\"><\/span><b>4. Investasi dan Pembiayaan Luar Negeri<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Aliran modal asing juga dapat membawa devisa ke Indonesia. Contohnya adalah investasi langsung perusahaan asing untuk membangun fasilitas produksi atau pembelian aset keuangan Indonesia oleh investor internasional.<\/span><\/p><p><span style=\"font-weight: 400;\">Selain investasi, pinjaman luar negeri dapat menambah penerimaan valuta asing, meskipun menimbulkan kewajiban pembayaran kembali.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"5_Hibah_dan_Penerimaan_Internasional_Lainnya\"><\/span><b>5. Hibah dan Penerimaan Internasional Lainnya<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Devisa juga dapat berasal dari hibah luar negeri, bantuan internasional, serta penerimaan lainnya yang melibatkan transfer aset keuangan lintas negara. Berbeda dari pinjaman, hibah pada umumnya tidak menimbulkan kewajiban pengembalian 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-a14dfe3 elementor-widget elementor-widget-html\" data-id=\"a14dfe3\" 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-devisa-source\" aria-label=\"Infografis lima sumber devisa negara\">\r\n  <div class=\"nv-devisa-source-header\">\r\n    <span class=\"nv-devisa-source-eyebrow\">\r\n      INFOGRAFIS \u2022 SUMBER DEVISA\r\n    <\/span>\r\n    <h3><span class=\"ez-toc-section\" id=\"5_Sumber_Devisa_Negara\"><\/span>5 Sumber Devisa Negara<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <p>\r\n      Devisa masuk melalui berbagai kegiatan ekonomi\r\n      dan transaksi keuangan dengan pihak luar negeri.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-source-grid\">\r\n\r\n    <!-- 1. EKSPOR -->\r\n    <article class=\"nv-devisa-source-card\">\r\n      <div class=\"nv-devisa-source-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M3 17h18l-3 4H6l-3-4Z\"\/>\r\n          <path d=\"M5 17V8h14v9\"\/>\r\n          <path d=\"M9 8V4h6v4\"\/>\r\n          <path d=\"M3 13h18\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n      <span class=\"nv-devisa-source-number\">01<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Ekspor_Barang_Jasa\"><\/span>Ekspor Barang & Jasa<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Penerimaan valuta asing dari penjualan produk\r\n        dan layanan ke luar negeri.\r\n      <\/p>\r\n      <div class=\"nv-devisa-source-example\">\r\n        <strong>Contoh<\/strong>\r\n        <span>Ekspor batu bara, sawit, tekstil, dan jasa teknologi.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- 2. PARIWISATA -->\r\n    <article class=\"nv-devisa-source-card\">\r\n      <div class=\"nv-devisa-source-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"m22 2-7 20-4-9-9-4 20-7Z\"\/>\r\n          <path d=\"M22 2 11 13\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n      <span class=\"nv-devisa-source-number\">02<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Pariwisata_Internasional\"><\/span>Pariwisata Internasional<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Penerimaan dari pengeluaran wisatawan asing\r\n        selama berkunjung ke Indonesia.\r\n      <\/p>\r\n      <div class=\"nv-devisa-source-example\">\r\n        <strong>Contoh<\/strong>\r\n        <span>Hotel, transportasi, restoran, dan aktivitas wisata.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- 3. REMITANSI -->\r\n    <article class=\"nv-devisa-source-card\">\r\n      <div class=\"nv-devisa-source-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/>\r\n          <path d=\"M7 12h10\"\/>\r\n          <path d=\"m13 8 4 4-4 4\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n      <span class=\"nv-devisa-source-number\">03<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Remitansi\"><\/span>Remitansi<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Pengiriman dana dari pekerja Indonesia\r\n        yang bekerja di luar negeri.\r\n      <\/p>\r\n      <div class=\"nv-devisa-source-example\">\r\n        <strong>Contoh<\/strong>\r\n        <span>Transfer penghasilan pekerja migran kepada keluarga.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- 4. INVESTASI -->\r\n    <article class=\"nv-devisa-source-card\">\r\n      <div class=\"nv-devisa-source-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"m3 10 9-7 9 7\"\/>\r\n          <path d=\"M5 10v10m5-10v10m4-10v10m5-10v10\"\/>\r\n          <path d=\"M3 21h18\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n      <span class=\"nv-devisa-source-number\">04<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Investasi_Pembiayaan_Asing\"><\/span>Investasi & Pembiayaan Asing<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Aliran modal dan pembiayaan dari investor\r\n        maupun lembaga keuangan luar negeri.\r\n      <\/p>\r\n      <div class=\"nv-devisa-source-example\">\r\n        <strong>Contoh<\/strong>\r\n        <span>Investasi langsung, investasi portofolio, dan pinjaman.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- 5. HIBAH -->\r\n    <article class=\"nv-devisa-source-card nv-devisa-source-wide\">\r\n      <div class=\"nv-devisa-source-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M12 21s-8-4.8-8-11a4 4 0 0 1 8-1 4 4 0 0 1 8 1c0 6.2-8 11-8 11Z\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n      <span class=\"nv-devisa-source-number\">05<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Hibah_Internasional\"><\/span>Hibah Internasional<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Bantuan atau penerimaan dana dari luar negeri\r\n        yang tidak menimbulkan kewajiban pengembalian.\r\n      <\/p>\r\n      <div class=\"nv-devisa-source-example\">\r\n        <strong>Contoh<\/strong>\r\n        <span>Hibah pembangunan dan bantuan internasional.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-source-footer\">\r\n    <span class=\"nv-devisa-source-info\" aria-hidden=\"true\">i<\/span>\r\n    <p>\r\n      Penerimaan devisa dari berbagai sumber tidak otomatis\r\n      menjadi cadangan devisa Bank Indonesia.\r\n    <\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-source,\r\n.nv-devisa-source *,\r\n.nv-devisa-source *::before,\r\n.nv-devisa-source *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-source {\r\n  width: 100%;\r\n  max-width: 960px;\r\n  margin: 26px auto;\r\n  padding: 28px;\r\n  background: #fff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  container-type: inline-size;\r\n}\r\n\r\n.nv-devisa-source-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: .8px;\r\n}\r\n\r\n.nv-devisa-source-header h3 {\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-devisa-source-header p {\r\n  margin: 0 !important;\r\n  color: #64718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-source-grid {\r\n  display: grid;\r\n  grid-template-columns: repeat(2, minmax(0, 1fr));\r\n  gap: 13px;\r\n  margin-top: 23px;\r\n}\r\n\r\n.nv-devisa-source-card {\r\n  position: relative;\r\n  display: flex;\r\n  flex-direction: column;\r\n  min-width: 0;\r\n  padding: 20px;\r\n  background: #faf8fd;\r\n  border: 1px solid #eae3f5;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-devisa-source-wide {\r\n  grid-column: 1 \/ -1;\r\n}\r\n\r\n.nv-devisa-source-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 44px;\r\n  height: 44px;\r\n  margin-bottom: 15px;\r\n  color: #7041c6;\r\n  background: #eee5fa;\r\n  border-radius: 12px;\r\n}\r\n\r\n.nv-devisa-source-icon svg {\r\n  width: 24px;\r\n  height: 24px;\r\n}\r\n\r\n.nv-devisa-source-number {\r\n  position: absolute;\r\n  top: 22px;\r\n  right: 21px;\r\n  color: #bca7db;\r\n  font-size: 18px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-source-card h4 {\r\n  margin: 0 0 9px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 15px;\r\n  font-weight: 800;\r\n  line-height: 1.45;\r\n}\r\n\r\n.nv-devisa-source-card > p {\r\n  margin: 0 0 16px !important;\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-source-example {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 5px;\r\n  margin-top: auto;\r\n  padding-top: 13px;\r\n  border-top: 1px solid #e5dbf2;\r\n}\r\n\r\n.nv-devisa-source-example strong {\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-source-example span {\r\n  color: #58667f;\r\n  font-size: 11.5px;\r\n  line-height: 1.7;\r\n}\r\n\r\n.nv-devisa-source-footer {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 20px;\r\n  padding: 14px;\r\n  background: #f5f1fb;\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-source-info {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 19px;\r\n  height: 19px;\r\n  flex: 0 0 19px;\r\n  color: #fff;\r\n  background: #7041c6;\r\n  border-radius: 50%;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-source-footer p {\r\n  margin: 0 !important;\r\n  color: #58667f;\r\n  font-size: 11px;\r\n  line-height: 1.75;\r\n}\r\n\r\n@container (max-width: 570px) {\r\n  .nv-devisa-source-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .nv-devisa-source-wide {\r\n    grid-column: auto;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-source {\r\n    padding: 19px 15px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-devisa-source-card {\r\n    padding: 17px;\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-537c455 elementor-widget elementor-widget-heading\" data-id=\"537c455\" 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_Devisa_bagi_Negara\"><\/span>Apa Fungsi Devisa bagi Negara?<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-19576d3 elementor-widget elementor-widget-text-editor\" data-id=\"19576d3\" 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;\">Devisa memiliki sejumlah fungsi penting dalam mendukung kegiatan ekonomi dan transaksi internasional. Ketersediaan valuta asing membantu pelaku ekonomi memenuhi kebutuhan pembayaran lintas negara.<\/span><\/p><p><span style=\"font-weight: 400;\">Beberapa fungsi utama devisa meliputi:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Membiayai impor barang dan jasa<\/b><span style=\"font-weight: 400;\">. Devisa digunakan untuk membayar pembelian bahan baku, mesin, teknologi, dan kebutuhan lain dari luar negeri.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Memenuhi kewajiban luar negeri<\/b><span style=\"font-weight: 400;\">. Valuta asing diperlukan untuk pembayaran pokok dan bunga utang luar negeri sesuai jadwal.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mendukung transaksi perdagangan internasional<\/b><span style=\"font-weight: 400;\">. Ketersediaan devisa membantu kelancaran pembayaran antara perusahaan Indonesia dan mitra bisnis di negara lain.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mendukung stabilitas nilai tukar<\/b><span style=\"font-weight: 400;\">. Ketersediaan valuta asing dan cadangan devisa yang memadai dapat membantu ketahanan eksternal serta mendukung kebijakan stabilisasi rupiah oleh Bank Indonesia.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Perlu diperhatikan bahwa devisa yang dimiliki pelaku usaha dan cadangan devisa yang dikelola Bank Indonesia merupakan dua hal berbeda. Peran cadangan devisa terhadap nilai tukar akan dibahas lebih lanjut pada bagian berikutnya.<\/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-3451a57 elementor-widget elementor-widget-image\" data-id=\"3451a57\" 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=\"403\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-1024x524.webp\" class=\"attachment-large size-large wp-image-29394\" alt=\"Kapal kargo dan peti kemas di pelabuhan sebagai bagian dari kegiatan ekspor impor yang melibatkan devisa.\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-1024x524.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-300x154.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-768x393.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-1536x786.webp 1536w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-150x77.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-450x230.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port-1200x614.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/Cinematic-Sunset-Container-Port.webp 1752w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Ilustrasi aktivitas perdagangan internasional di pelabuhan. - 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-5a1f660 elementor-widget elementor-widget-heading\" data-id=\"5a1f660\" 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_Devisa_Masuk_ke_Indonesia\"><\/span>Bagaimana Devisa Masuk ke 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-0a97536 elementor-widget elementor-widget-text-editor\" data-id=\"0a97536\" 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 aliran devisa, kita dapat menggunakan contoh perusahaan Indonesia yang mengekspor produk ke Amerika Serikat.<\/span><\/p><p><span style=\"font-weight: 400;\">Misalnya, sebuah perusahaan furnitur menjual produknya kepada pembeli di AS senilai US$100.000. Setelah barang dikirim dan pembayaran dilakukan, perusahaan menerima dana dalam dolar AS melalui rekening bank.<\/span><\/p><p><span style=\"font-weight: 400;\">Alurnya dapat digambarkan sebagai 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-b2a9317 elementor-widget elementor-widget-html\" data-id=\"b2a9317\" 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-devisa-flow\" aria-label=\"Infografis alur penerimaan devisa ekspor\">\r\n  <div class=\"nv-devisa-flow-header\">\r\n    <span class=\"nv-devisa-flow-eyebrow\">\r\n      INFOGRAFIS \u2022 ALUR DEVISA EKSPOR\r\n    <\/span>\r\n    <h3><span class=\"ez-toc-section\" id=\"Bagaimana_Devisa_Ekspor_Masuk_ke_Indonesia\"><\/span>Bagaimana Devisa Ekspor Masuk ke Indonesia?<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <p>\r\n      Contoh alur pembayaran ekspor furnitur dari\r\n      Indonesia ke Amerika Serikat.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-flow-transaction\">\r\n    <span>CONTOH NILAI TRANSAKSI<\/span>\r\n    <strong>US$100.000<\/strong>\r\n    <small>Ekspor furnitur Indonesia ke AS<\/small>\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-flow-steps\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"nv-devisa-flow-step\">\r\n      <div class=\"nv-devisa-flow-marker\">\r\n        <span>01<\/span>\r\n      <\/div>\r\n      <div class=\"nv-devisa-flow-card\">\r\n        <span class=\"nv-devisa-flow-icon\">\r\n          <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"1.8\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n               aria-hidden=\"true\">\r\n            <path d=\"M3 17h18l-3 4H6l-3-4Z\"\/>\r\n            <path d=\"M5 17V8h14v9\"\/>\r\n            <path d=\"M9 8V4h6v4\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <div class=\"nv-devisa-flow-content\">\r\n          <h4><span class=\"ez-toc-section\" id=\"Perusahaan_Indonesia_Mengekspor_Barang\"><\/span>Perusahaan Indonesia Mengekspor Barang<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n          <p>\r\n            Eksportir mengirimkan furnitur senilai\r\n            US$100.000 kepada pembeli di Amerika Serikat.\r\n          <\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"nv-devisa-flow-step\">\r\n      <div class=\"nv-devisa-flow-marker\">\r\n        <span>02<\/span>\r\n      <\/div>\r\n      <div class=\"nv-devisa-flow-card\">\r\n        <span class=\"nv-devisa-flow-icon\">\r\n          <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"1.8\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n               aria-hidden=\"true\">\r\n            <rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/>\r\n            <path d=\"M7 12h10\"\/>\r\n            <path d=\"m13 8 4 4-4 4\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <div class=\"nv-devisa-flow-content\">\r\n          <h4><span class=\"ez-toc-section\" id=\"Pembeli_Luar_Negeri_Melakukan_Pembayaran\"><\/span>Pembeli Luar Negeri Melakukan Pembayaran<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n          <p>\r\n            Pembeli membayar dalam dolar AS melalui\r\n            sistem perbankan internasional.\r\n          <\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"nv-devisa-flow-step\">\r\n      <div class=\"nv-devisa-flow-marker\">\r\n        <span>03<\/span>\r\n      <\/div>\r\n      <div class=\"nv-devisa-flow-card\">\r\n        <span class=\"nv-devisa-flow-icon\">\r\n          <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"1.8\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n               aria-hidden=\"true\">\r\n            <path d=\"m3 10 9-7 9 7\"\/>\r\n            <path d=\"M5 10v10m5-10v10m4-10v10m5-10v10\"\/>\r\n            <path d=\"M3 21h18\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <div class=\"nv-devisa-flow-content\">\r\n          <h4><span class=\"ez-toc-section\" id=\"Dana_Diterima_melalui_Bank_di_Indonesia\"><\/span>Dana Diterima melalui Bank di Indonesia<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n          <p>\r\n            Pembayaran diterima melalui rekening bank\r\n            sesuai ketentuan devisa hasil ekspor.\r\n          <\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"nv-devisa-flow-step\">\r\n      <div class=\"nv-devisa-flow-marker\">\r\n        <span>04<\/span>\r\n      <\/div>\r\n      <div class=\"nv-devisa-flow-card\">\r\n        <span class=\"nv-devisa-flow-icon\">\r\n          <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n               stroke=\"currentColor\" stroke-width=\"1.8\"\r\n               stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n               aria-hidden=\"true\">\r\n            <rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/>\r\n            <path d=\"M3 10h18\"\/>\r\n            <path d=\"M7 15h4\"\/>\r\n          <\/svg>\r\n        <\/span>\r\n        <div class=\"nv-devisa-flow-content\">\r\n          <h4><span class=\"ez-toc-section\" id=\"Devisa_Dikelola_Sesuai_Ketentuan\"><\/span>Devisa Dikelola Sesuai Ketentuan<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n          <p>\r\n            Dana dapat digunakan untuk kebutuhan usaha,\r\n            pembayaran internasional, atau dikonversi\r\n            ke rupiah sesuai aturan yang berlaku.\r\n          <\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-flow-result\">\r\n    <span class=\"nv-devisa-flow-result-icon\">\r\n      <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n           stroke=\"currentColor\" stroke-width=\"2\"\r\n           stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n           aria-hidden=\"true\">\r\n        <path d=\"m5 12 4 4L19 6\"\/>\r\n      <\/svg>\r\n    <\/span>\r\n    <div>\r\n      <strong>Hasil: Penerimaan Devisa Ekspor<\/strong>\r\n      <p>\r\n        Pembayaran ekspor menghasilkan penerimaan valuta asing\r\n        bagi eksportir Indonesia.\r\n      <\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <p class=\"nv-devisa-flow-note\">\r\n    Ilustrasi disederhanakan untuk edukasi. Ketentuan pemasukan,\r\n    penempatan, dan penggunaan DHE dapat berbeda menurut\r\n    jenis ekspor. Penerimaan eksportir tidak otomatis menjadi\r\n    cadangan devisa Bank Indonesia.\r\n  <\/p>\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-flow,\r\n.nv-devisa-flow *,\r\n.nv-devisa-flow *::before,\r\n.nv-devisa-flow *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-flow {\r\n  width: 100%;\r\n  max-width: 900px;\r\n  margin: 26px auto;\r\n  padding: 28px;\r\n  background: #fff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n}\r\n\r\n.nv-devisa-flow-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: .8px;\r\n}\r\n\r\n.nv-devisa-flow-header h3 {\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-devisa-flow-header p {\r\n  margin: 0 !important;\r\n  color: #64718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-flow-transaction {\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: center;\r\n  gap: 6px;\r\n  margin: 23px 0 26px;\r\n  padding: 22px;\r\n  background: #f5f0fc;\r\n  border: 1px solid #e7d9f8;\r\n  border-radius: 14px;\r\n  text-align: center;\r\n}\r\n\r\n.nv-devisa-flow-transaction > span {\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: .8px;\r\n}\r\n\r\n.nv-devisa-flow-transaction strong {\r\n  color: #1b2949;\r\n  font-size: clamp(27px, 4vw, 36px);\r\n  font-weight: 850;\r\n  line-height: 1.3;\r\n}\r\n\r\n.nv-devisa-flow-transaction small {\r\n  color: #64718a;\r\n  font-size: 11px;\r\n}\r\n\r\n.nv-devisa-flow-steps {\r\n  position: relative;\r\n}\r\n\r\n.nv-devisa-flow-steps::before {\r\n  content: \"\";\r\n  position: absolute;\r\n  top: 22px;\r\n  bottom: 22px;\r\n  left: 19px;\r\n  width: 2px;\r\n  background: #e4d6f6;\r\n}\r\n\r\n.nv-devisa-flow-step {\r\n  position: relative;\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 15px;\r\n  margin-bottom: 14px;\r\n}\r\n\r\n.nv-devisa-flow-marker {\r\n  position: relative;\r\n  z-index: 1;\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 40px;\r\n  height: 40px;\r\n  flex: 0 0 40px;\r\n  color: #fff;\r\n  background: #7041c6;\r\n  border: 4px solid #fff;\r\n  border-radius: 50%;\r\n  box-shadow: 0 0 0 1px #e4d6f6;\r\n}\r\n\r\n.nv-devisa-flow-marker span {\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-flow-card {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 14px;\r\n  flex: 1;\r\n  min-width: 0;\r\n  padding: 17px;\r\n  background: #faf8fd;\r\n  border: 1px solid #eae3f5;\r\n  border-radius: 12px;\r\n}\r\n\r\n.nv-devisa-flow-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 39px;\r\n  height: 39px;\r\n  flex: 0 0 39px;\r\n  color: #7041c6;\r\n  background: #eee5fa;\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-flow-icon svg {\r\n  width: 22px;\r\n  height: 22px;\r\n}\r\n\r\n.nv-devisa-flow-content {\r\n  min-width: 0;\r\n}\r\n\r\n.nv-devisa-flow-content h4 {\r\n  margin: 0 0 7px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 13px;\r\n  font-weight: 800;\r\n  line-height: 1.5;\r\n}\r\n\r\n.nv-devisa-flow-content p {\r\n  margin: 0 !important;\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-flow-result {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 12px;\r\n  margin-top: 23px;\r\n  padding: 17px;\r\n  background: #edf8f2;\r\n  border: 1px solid #d4ecde;\r\n  border-radius: 12px;\r\n}\r\n\r\n.nv-devisa-flow-result-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 35px;\r\n  height: 35px;\r\n  flex: 0 0 35px;\r\n  color: #16865a;\r\n  background: #d8eee2;\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-flow-result-icon svg {\r\n  width: 20px;\r\n  height: 20px;\r\n}\r\n\r\n.nv-devisa-flow-result strong {\r\n  display: block;\r\n  margin-bottom: 5px;\r\n  color: #1b2949;\r\n  font-size: 13px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-flow-result p {\r\n  margin: 0 !important;\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-flow-note {\r\n  margin: 16px 0 0 !important;\r\n  color: #788398;\r\n  font-size: 10.5px;\r\n  line-height: 1.75;\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-flow {\r\n    padding: 19px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-devisa-flow-step {\r\n    gap: 9px;\r\n  }\r\n\r\n  .nv-devisa-flow-card {\r\n    gap: 10px;\r\n    padding: 13px;\r\n  }\r\n\r\n  .nv-devisa-flow-icon {\r\n    width: 33px;\r\n    height: 33px;\r\n    flex-basis: 33px;\r\n  }\r\n\r\n  .nv-devisa-flow-icon svg {\r\n    width: 19px;\r\n    height: 19px;\r\n  }\r\n\r\n  .nv-devisa-flow-content h4 {\r\n    font-size: 12px;\r\n  }\r\n\r\n  .nv-devisa-flow-content p {\r\n    font-size: 11px;\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-55c2778 elementor-widget elementor-widget-text-editor\" data-id=\"55c2778\" 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;\">Penerimaan tersebut tercatat sebagai transaksi ekspor dalam neraca pembayaran Indonesia. Namun, dana yang diterima eksportir tidak otomatis menjadi bagian dari cadangan devisa Bank Indonesia. <\/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-67cee83 elementor-widget elementor-widget-heading\" data-id=\"67cee83\" 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_Itu_Devisa_Hasil_Ekspor_DHE\"><\/span>Apa Itu Devisa Hasil Ekspor (DHE)? <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-cf08863 elementor-widget elementor-widget-text-editor\" data-id=\"cf08863\" 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;\">Devisa Hasil Ekspor (DHE) adalah devisa yang diperoleh eksportir dari kegiatan ekspor barang. Pemerintah mengatur pemasukan dan penempatan DHE tertentu agar manfaatnya bagi sistem keuangan domestik dapat dioptimalkan.<\/span><\/p><p><span style=\"font-weight: 400;\">Salah satu pengaturannya berkaitan dengan Devisa Hasil Ekspor Sumber Daya Alam (DHE SDA), yaitu devisa dari kegiatan ekspor sektor pertambangan, perkebunan, kehutanan, dan perikanan.<\/span><\/p><p><span style=\"font-weight: 400;\">Per November 2026, kerangka regulasi DHE SDA mengacu pada PP Nomor 36 Tahun 2023 yang telah diubah, antara lain, melalui PP Nomor 2 Tahun 2026 dan PP Nomor 21 Tahun 2026. Bank Indonesia juga menerbitkan PBI Nomor 8 Tahun 2026 yang berlaku sejak 30 September 2026.<\/span><\/p><p><span style=\"font-weight: 400;\">Ketentuan tersebut mengatur pemasukan, penempatan, dan penggunaan DHE SDA melalui sistem keuangan Indonesia, termasuk rekening khusus dan instrumen penempatan yang diperbolehkan.<\/span><\/p><p><span style=\"font-weight: 400;\">Kebijakan DHE SDA bertujuan meningkatkan ketersediaan valuta asing di dalam negeri, mendukung ketahanan eksternal, serta memperkuat pasar keuangan domestik.<\/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-ce20775 elementor-widget elementor-widget-heading\" data-id=\"ce20775\" 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_Itu_Cadangan_Devisa\"><\/span>Apa Itu Cadangan Devisa?<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-6894782 elementor-widget elementor-widget-text-editor\" data-id=\"6894782\" 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><b>Cadangan devisa adalah aset eksternal yang dikuasai dan dikelola oleh otoritas moneter<\/b><span style=\"font-weight: 400;\">, yaitu Bank Indonesia, untuk mendukung kebutuhan pembayaran internasional dan menjaga ketahanan ekonomi.<\/span><\/p><p><span style=\"font-weight: 400;\">Cadangan devisa dapat terdiri dari valuta asing, emas moneter, Special Drawing Rights (SDR), dan aset cadangan lainnya yang memenuhi kriteria internasional.<\/span><\/p><p><span style=\"font-weight: 400;\">Ketersediaan cadangan devisa menjadi salah satu indikator kemampuan suatu negara dalam memenuhi kewajiban eksternal dan menghadapi tekanan ekonomi global.<\/span><\/p><p><span style=\"font-weight: 400;\">Secara umum, cadangan devisa digunakan untuk:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Membantu memenuhi kebutuhan pembayaran internasional.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mendukung stabilisasi nilai tukar rupiah melalui kebijakan Bank Indonesia.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menjaga kepercayaan terhadap kemampuan pembayaran kewajiban luar negeri.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menjadi penyangga ketika terjadi gejolak di pasar keuangan global.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cadangan devisa juga dapat berubah seiring transaksi pemerintah, aktivitas Bank Indonesia, dan perubahan nilai aset cadangan.<\/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-60fd1c5 elementor-widget elementor-widget-heading\" data-id=\"60fd1c5\" 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_Cadangan_Devisa_Indonesia\"><\/span>Berapa Cadangan Devisa 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-208e52d elementor-widget elementor-widget-text-editor\" data-id=\"208e52d\" 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;\">Berdasarkan data terbaru yang telah dirilis Bank Indonesia hingga awal November 2026, posisi cadangan devisa Indonesia pada akhir September 2026 tercatat sebesar US$146,3 miliar, relatif stabil dibandingkan US$146,5 miliar pada Agustus 2026.<\/span><\/p><p><span style=\"font-weight: 400;\">Bank Indonesia menyebut perubahan tersebut dipengaruhi oleh penarikan pinjaman luar negeri pemerintah serta penerimaan pajak dan jasa, di tengah pembayaran utang luar negeri yang jatuh tempo dan kebijakan stabilisasi rupiah.<\/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-d9411ed elementor-widget elementor-widget-html\" data-id=\"d9411ed\" 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-caddev\" aria-label=\"Infografis cadangan devisa Indonesia\">\r\n  <div class=\"nv-caddev-header\">\r\n    <span class=\"nv-caddev-eyebrow\">\r\n      INFOGRAFIS \u2022 CADANGAN DEVISA INDONESIA\r\n    <\/span>\r\n    <h3><span class=\"ez-toc-section\" id=\"Cadangan_Devisa_Indonesia\"><\/span>Cadangan Devisa Indonesia<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <p>Perkembangan posisi cadangan devisa pada Juli\u2013September 2026.<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-caddev-hero\">\r\n    <span>POSISI AKHIR SEPTEMBER 2026<\/span>\r\n    <strong>US$146,3 <small>Miliar<\/small><\/strong>\r\n    <div class=\"nv-caddev-change\">\r\n      <span>\u2193 US$0,2 miliar dari Agustus 2026<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"nv-caddev-chart\">\r\n    <h4><span class=\"ez-toc-section\" id=\"Perkembangan_Cadangan_Devisa\"><\/span>Perkembangan Cadangan Devisa<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n    <p class=\"nv-caddev-chart-desc\">Dalam miliar dolar AS<\/p>\r\n\r\n    <div class=\"nv-caddev-chart-row\">\r\n      <span class=\"nv-caddev-month\">Juli<\/span>\r\n      <div class=\"nv-caddev-track\">\r\n        <div class=\"nv-caddev-fill\" style=\"width:99.18%\"><\/div>\r\n      <\/div>\r\n      <strong>145,3<\/strong>\r\n    <\/div>\r\n\r\n    <div class=\"nv-caddev-chart-row\">\r\n      <span class=\"nv-caddev-month\">Agustus<\/span>\r\n      <div class=\"nv-caddev-track\">\r\n        <div class=\"nv-caddev-fill\" style=\"width:100%\"><\/div>\r\n      <\/div>\r\n      <strong>146,5<\/strong>\r\n    <\/div>\r\n\r\n    <div class=\"nv-caddev-chart-row\">\r\n      <span class=\"nv-caddev-month\">September<\/span>\r\n      <div class=\"nv-caddev-track\">\r\n        <div class=\"nv-caddev-fill highlight\" style=\"width:99.86%\"><\/div>\r\n      <\/div>\r\n      <strong>146,3<\/strong>\r\n    <\/div>\r\n\r\n    <p class=\"nv-caddev-chart-note\">\r\n      Panjang batang menunjukkan nilai relatif terhadap Agustus 2026,\r\n      bukan skala dari nol.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-caddev-metrics\">\r\n    <div class=\"nv-caddev-metric\">\r\n      <span>SETARA PEMBIAYAAN IMPOR<\/span>\r\n      <strong>5,3 <small>bulan<\/small><\/strong>\r\n      <p>Kemampuan pembiayaan impor berdasarkan posisi September 2026.<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"nv-caddev-metric\">\r\n      <span>STANDAR KECUKUPAN INTERNASIONAL<\/span>\r\n      <strong>\u00b13 <small>bulan<\/small><\/strong>\r\n      <p>Patokan umum kecukupan cadangan devisa terhadap impor.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <p class=\"nv-caddev-source\">\r\n    Sumber: Bank Indonesia, rilis cadangan devisa September 2026.\r\n    Data historis dan dapat berubah pada publikasi berikutnya.\r\n  <\/p>\r\n<\/section>\r\n\r\n<style>\r\n.nv-caddev,\r\n.nv-caddev *,\r\n.nv-caddev *::before,\r\n.nv-caddev *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-caddev {\r\n  width: 100%;\r\n  max-width: 950px;\r\n  margin: 26px auto;\r\n  padding: 27px;\r\n  background: #fff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  container-type: inline-size;\r\n}\r\n\r\n.nv-caddev-eyebrow {\r\n  display: block;\r\n  margin-bottom: 9px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: .8px;\r\n}\r\n\r\n.nv-caddev-header h3 {\r\n  margin: 0 0 8px !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-caddev-header p {\r\n  margin: 0 !important;\r\n  color: #64718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-caddev-hero {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 8px;\r\n  margin-top: 22px;\r\n  padding: 23px;\r\n  background: #f5f0fc;\r\n  border: 1px solid #e7d9f8;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-caddev-hero > span {\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: .7px;\r\n}\r\n\r\n.nv-caddev-hero > strong {\r\n  color: #1b2949;\r\n  font-size: clamp(30px, 5vw, 42px);\r\n  font-weight: 850;\r\n  line-height: 1.2;\r\n}\r\n\r\n.nv-caddev-hero > strong small {\r\n  font-size: .46em;\r\n  font-weight: 700;\r\n}\r\n\r\n.nv-caddev-change {\r\n  display: inline-flex;\r\n  align-self: flex-start;\r\n  padding: 7px 10px;\r\n  color: #985a47;\r\n  background: #f9e8e2;\r\n  border-radius: 7px;\r\n  font-size: 11px;\r\n  font-weight: 700;\r\n}\r\n\r\n.nv-caddev-chart {\r\n  margin-top: 20px;\r\n  padding: 20px;\r\n  border: 1px solid #ece7f4;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-caddev-chart h4 {\r\n  margin: 0 0 4px !important;\r\n  color: #1b2949 !important;\r\n  font-size: 15px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-caddev-chart-desc {\r\n  margin: 0 0 20px !important;\r\n  color: #788398;\r\n  font-size: 11px;\r\n}\r\n\r\n.nv-caddev-chart-row {\r\n  display: grid;\r\n  grid-template-columns: 75px minmax(0, 1fr) 43px;\r\n  align-items: center;\r\n  gap: 12px;\r\n  margin-bottom: 17px;\r\n}\r\n\r\n.nv-caddev-month {\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  font-weight: 700;\r\n}\r\n\r\n.nv-caddev-track {\r\n  height: 22px;\r\n  overflow: hidden;\r\n  background: #eee8f6;\r\n  border-radius: 6px;\r\n}\r\n\r\n.nv-caddev-fill {\r\n  height: 100%;\r\n  background: #b39bdc;\r\n  border-radius: 6px;\r\n}\r\n\r\n.nv-caddev-fill.highlight {\r\n  background: #7041c6;\r\n}\r\n\r\n.nv-caddev-chart-row strong {\r\n  color: #1b2949;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n  text-align: right;\r\n}\r\n\r\n.nv-caddev-chart-note {\r\n  margin: 4px 0 0 !important;\r\n  color: #788398;\r\n  font-size: 10px;\r\n  line-height: 1.7;\r\n}\r\n\r\n.nv-caddev-metrics {\r\n  display: grid;\r\n  grid-template-columns: repeat(2, minmax(0, 1fr));\r\n  gap: 12px;\r\n  margin-top: 17px;\r\n}\r\n\r\n.nv-caddev-metric {\r\n  padding: 19px;\r\n  background: #faf8fd;\r\n  border: 1px solid #eae3f5;\r\n  border-radius: 13px;\r\n}\r\n\r\n.nv-caddev-metric > span {\r\n  display: block;\r\n  margin-bottom: 12px;\r\n  color: #7041c6;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: .4px;\r\n}\r\n\r\n.nv-caddev-metric strong {\r\n  color: #1b2949;\r\n  font-size: 30px;\r\n  font-weight: 850;\r\n}\r\n\r\n.nv-caddev-metric strong small {\r\n  font-size: 15px;\r\n  font-weight: 700;\r\n}\r\n\r\n.nv-caddev-metric p {\r\n  margin: 8px 0 0 !important;\r\n  color: #64718a;\r\n  font-size: 11px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-caddev-source {\r\n  margin: 16px 0 0 !important;\r\n  color: #788398;\r\n  font-size: 10.5px;\r\n  line-height: 1.7;\r\n}\r\n\r\n@container (max-width: 500px) {\r\n  .nv-caddev-metrics {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .nv-caddev-chart-row {\r\n    grid-template-columns: 66px minmax(0, 1fr) 40px;\r\n    gap: 8px;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-caddev {\r\n    padding: 18px 14px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-caddev-hero,\r\n  .nv-caddev-chart,\r\n  .nv-caddev-metric {\r\n    padding: 16px;\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-2d45df2 elementor-widget elementor-widget-text-editor\" data-id=\"2d45df2\" 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;\">Dengan posisi tersebut, cadangan devisa Indonesia setara dengan pembiayaan sekitar 5,3 bulan impor atau 5,2 bulan impor dan pembayaran utang luar negeri pemerintah. Angka ini masih berada di atas standar kecukupan internasional sekitar tiga bulan impor.<\/span><\/p><p><span style=\"font-weight: 400;\">Data cadangan devisa diumumkan secara berkala oleh Bank Indonesia dan dapat menjadi salah satu indikator untuk menilai ketahanan sektor eksternal Indonesia.<\/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-22bc4c3 elementor-widget elementor-widget-heading\" data-id=\"22bc4c3\" 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_Pengaruh_Devisa_terhadap_Nilai_Tukar_Rupiah\"><\/span>Bagaimana Pengaruh Devisa terhadap Nilai Tukar Rupiah?<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-690b230 elementor-widget elementor-widget-text-editor\" data-id=\"690b230\" 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;\">Ketersediaan devisa berkaitan dengan permintaan dan penawaran valuta asing di pasar. Ketika penerimaan valuta asing meningkat, pasokan dolar AS dan mata uang asing lainnya berpotensi bertambah.<\/span><\/p><p><span style=\"font-weight: 400;\">Sebaliknya, peningkatan kebutuhan dolar AS untuk impor, pembayaran utang, atau perpindahan modal ke luar negeri dapat menambah tekanan terhadap rupiah.<\/span><\/p><p><span style=\"font-weight: 400;\">Bank Indonesia dapat menggunakan sebagian cadangan devisanya untuk mendukung kebijakan stabilisasi nilai tukar ketika terjadi gejolak pasar.<\/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-60d5c70 elementor-widget elementor-widget-html\" data-id=\"60d5c70\" 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-devisa-rupiah\" aria-label=\"Infografis hubungan devisa dan nilai tukar rupiah\">\r\n  <div class=\"nv-devisa-rupiah-header\">\r\n    <span class=\"nv-devisa-rupiah-eyebrow\">\r\n      INFOGRAFIS \u2022 DEVISA DAN RUPIAH\r\n    <\/span>\r\n    <h3><span class=\"ez-toc-section\" id=\"Bagaimana_Devisa_Memengaruhi_Rupiah\"><\/span>Bagaimana Devisa Memengaruhi Rupiah?<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n    <p>\r\n      Perubahan pasokan dan permintaan valuta asing dapat\r\n      memengaruhi pergerakan nilai tukar rupiah.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-rupiah-grid\">\r\n\r\n    <!-- PASOKAN VALAS -->\r\n    <article class=\"nv-devisa-rupiah-card supply\">\r\n      <div class=\"nv-devisa-rupiah-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M12 3v13\"\/>\r\n          <path d=\"m7 11 5 5 5-5\"\/>\r\n          <path d=\"M4 18v3h16v-3\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-devisa-rupiah-tag\">PASOKAN VALAS<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Valuta_Asing_Masuk\"><\/span>Valuta Asing Masuk<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Penerimaan dari ekspor, pariwisata, dan arus\r\n        modal masuk dapat menambah pasokan valuta asing.\r\n      <\/p>\r\n\r\n      <div class=\"nv-devisa-rupiah-direction\">\r\n        <span class=\"nv-devisa-rupiah-arrow\">\u2193<\/span>\r\n        <span>Tekanan terhadap harga valas dapat berkurang<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"nv-devisa-rupiah-result\">\r\n        <strong>Berpotensi Mendukung Penguatan Rupiah<\/strong>\r\n        <span>Jika faktor lain relatif tetap.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n    <!-- PERMINTAAN VALAS -->\r\n    <article class=\"nv-devisa-rupiah-card demand\">\r\n      <div class=\"nv-devisa-rupiah-icon\">\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"1.8\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M12 21V8\"\/>\r\n          <path d=\"m7 13 5-5 5 5\"\/>\r\n          <path d=\"M4 3v3h16V3\"\/>\r\n        <\/svg>\r\n      <\/div>\r\n\r\n      <span class=\"nv-devisa-rupiah-tag\">PERMINTAAN VALAS<\/span>\r\n      <h4><span class=\"ez-toc-section\" id=\"Kebutuhan_Valuta_Asing_Meningkat\"><\/span>Kebutuhan Valuta Asing Meningkat<span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n      <p>\r\n        Impor, pembayaran utang luar negeri, dan arus\r\n        modal keluar dapat meningkatkan permintaan valas.\r\n      <\/p>\r\n\r\n      <div class=\"nv-devisa-rupiah-direction\">\r\n        <span class=\"nv-devisa-rupiah-arrow\">\u2191<\/span>\r\n        <span>Tekanan terhadap harga valas dapat meningkat<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"nv-devisa-rupiah-result\">\r\n        <strong>Berpotensi Menekan Nilai Tukar Rupiah<\/strong>\r\n        <span>Jika faktor lain relatif tetap.<\/span>\r\n      <\/div>\r\n    <\/article>\r\n\r\n  <\/div>\r\n\r\n  <div class=\"nv-devisa-rupiah-footer\">\r\n    <span class=\"nv-devisa-rupiah-info\" aria-hidden=\"true\">i<\/span>\r\n    <p>\r\n      Pergerakan kurs juga dipengaruhi suku bunga, inflasi,\r\n      kebijakan moneter, arus modal, dan sentimen pasar global.\r\n      Cadangan devisa yang memadai dapat mendukung stabilitas,\r\n      tetapi tidak menjamin rupiah selalu menguat.\r\n    <\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-rupiah,\r\n.nv-devisa-rupiah *,\r\n.nv-devisa-rupiah *::before,\r\n.nv-devisa-rupiah *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-rupiah {\r\n  width: 100%;\r\n  max-width: 950px;\r\n  margin: 26px auto;\r\n  padding: 27px;\r\n  background: #fff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n  container-type: inline-size;\r\n}\r\n\r\n.nv-devisa-rupiah-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: .8px;\r\n}\r\n\r\n.nv-devisa-rupiah-header h3 {\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-devisa-rupiah-header p {\r\n  margin: 0 !important;\r\n  color: #64718a;\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-rupiah-grid {\r\n  display: grid;\r\n  grid-template-columns: repeat(2, minmax(0, 1fr));\r\n  gap: 15px;\r\n  margin-top: 23px;\r\n}\r\n\r\n.nv-devisa-rupiah-card {\r\n  display: flex;\r\n  flex-direction: column;\r\n  min-width: 0;\r\n  padding: 20px;\r\n  border: 1px solid;\r\n  border-radius: 14px;\r\n}\r\n\r\n.nv-devisa-rupiah-card.supply {\r\n  background: #f2faf6;\r\n  border-color: #d7ede0;\r\n}\r\n\r\n.nv-devisa-rupiah-card.demand {\r\n  background: #fff8f6;\r\n  border-color: #f2ded8;\r\n}\r\n\r\n.nv-devisa-rupiah-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 45px;\r\n  height: 45px;\r\n  margin-bottom: 17px;\r\n  border-radius: 12px;\r\n}\r\n\r\n.nv-devisa-rupiah-icon svg {\r\n  width: 25px;\r\n  height: 25px;\r\n}\r\n\r\n.nv-devisa-rupiah-card.supply .nv-devisa-rupiah-icon {\r\n  color: #16865a;\r\n  background: #dcefe4;\r\n}\r\n\r\n.nv-devisa-rupiah-card.demand .nv-devisa-rupiah-icon {\r\n  color: #c2684e;\r\n  background: #f9e6df;\r\n}\r\n\r\n.nv-devisa-rupiah-tag {\r\n  margin-bottom: 8px;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: .5px;\r\n}\r\n\r\n.nv-devisa-rupiah-card.supply .nv-devisa-rupiah-tag {\r\n  color: #16865a;\r\n}\r\n\r\n.nv-devisa-rupiah-card.demand .nv-devisa-rupiah-tag {\r\n  color: #c2684e;\r\n}\r\n\r\n.nv-devisa-rupiah-card h4 {\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-devisa-rupiah-card > p {\r\n  margin: 0 0 18px !important;\r\n  color: #58667f;\r\n  font-size: 12px;\r\n  line-height: 1.75;\r\n}\r\n\r\n.nv-devisa-rupiah-direction {\r\n  display: flex;\r\n  align-items: center;\r\n  gap: 12px;\r\n  margin-top: auto;\r\n  padding: 13px 0;\r\n  border-top: 1px solid rgba(27,41,73,.1);\r\n}\r\n\r\n.nv-devisa-rupiah-arrow {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 31px;\r\n  height: 31px;\r\n  flex: 0 0 31px;\r\n  background: rgba(255,255,255,.8);\r\n  border-radius: 8px;\r\n  font-size: 20px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-rupiah-card.supply .nv-devisa-rupiah-arrow {\r\n  color: #16865a;\r\n}\r\n\r\n.nv-devisa-rupiah-card.demand .nv-devisa-rupiah-arrow {\r\n  color: #c2684e;\r\n}\r\n\r\n.nv-devisa-rupiah-direction > span:last-child {\r\n  color: #58667f;\r\n  font-size: 11px;\r\n  line-height: 1.6;\r\n}\r\n\r\n.nv-devisa-rupiah-result {\r\n  display: flex;\r\n  flex-direction: column;\r\n  gap: 6px;\r\n  padding: 15px;\r\n  background: rgba(255,255,255,.8);\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-rupiah-result strong {\r\n  color: #1b2949;\r\n  font-size: 12.5px;\r\n  font-weight: 800;\r\n  line-height: 1.5;\r\n}\r\n\r\n.nv-devisa-rupiah-result span {\r\n  color: #788398;\r\n  font-size: 10.5px;\r\n}\r\n\r\n.nv-devisa-rupiah-footer {\r\n  display: flex;\r\n  align-items: flex-start;\r\n  gap: 10px;\r\n  margin-top: 19px;\r\n  padding: 14px;\r\n  background: #f5f1fb;\r\n  border-radius: 10px;\r\n}\r\n\r\n.nv-devisa-rupiah-info {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  width: 19px;\r\n  height: 19px;\r\n  flex: 0 0 19px;\r\n  color: #fff;\r\n  background: #7041c6;\r\n  border-radius: 50%;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n}\r\n\r\n.nv-devisa-rupiah-footer p {\r\n  margin: 0 !important;\r\n  color: #58667f;\r\n  font-size: 11px;\r\n  line-height: 1.75;\r\n}\r\n\r\n@container (max-width: 580px) {\r\n  .nv-devisa-rupiah-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-rupiah {\r\n    padding: 19px 15px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-devisa-rupiah-card {\r\n    padding: 17px;\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-6ddc4cf elementor-widget elementor-widget-heading\" data-id=\"6ddc4cf\" 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_Hubungan_Devisa_dengan_Investasi\"><\/span>Apa Hubungan Devisa dengan 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-857c6a0 elementor-widget elementor-widget-text-editor\" data-id=\"857c6a0\" 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;\">Perubahan nilai tukar yang berkaitan dengan arus devisa dapat memengaruhi nilai investasi, terutama aset yang menggunakan mata uang asing seperti saham Amerika Serikat dan emas.<\/span><\/p><p><span style=\"font-weight: 400;\">Bagi investor Indonesia, terdapat dua hal yang perlu diperhatikan:<\/span><\/p><p><b>1. Investasi Saham Amerika Serikat<\/b><\/p><p><span style=\"font-weight: 400;\">Saham perusahaan AS diperdagangkan dalam dolar AS. Karena itu, nilai investasi dalam rupiah dipengaruhi oleh pergerakan harga saham dan perubahan kurs USD\/IDR.<\/span><\/p><p><b>2. Investasi Emas<\/b><\/p><p><span style=\"font-weight: 400;\">Harga emas global umumnya dinyatakan dalam dolar AS per troy ounce. Oleh karena itu, perubahan kurs rupiah terhadap dolar AS dapat memengaruhi harga emas dalam rupiah, selain pergerakan harga emas dunia.<\/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-d1eb3ae elementor-widget elementor-widget-image\" data-id=\"d1eb3ae\" 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\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-1024x683.webp\" class=\"attachment-large size-large wp-image-29397\" alt=\"Emas batangan, dolar AS, rupiah, dan grafik saham yang menggambarkan hubungan nilai tukar dengan investasi.\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-450x300.webp 450w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars-1200x801.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/11\/US-Stocks-Trading-Desk-with-Gold-Bars.webp 1535w\" sizes=\"(max-width: 788px) 100vw, 788px\" title=\"Ilustrasi investasi saham AS dan emas yang nilainya dapat dipengaruhi perubahan kurs rupiah terhadap dolar AS. - 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-5c05059 elementor-widget elementor-widget-text-editor\" data-id=\"5c05059\" 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;\">Memahami perkembangan devisa, cadangan devisa, dan nilai tukar dapat membantu investor menilai kondisi ekonomi sebelum mengambil keputusan investasi. <\/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-36f0915 elementor-widget elementor-widget-heading\" data-id=\"36f0915\" 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=\"Kesimpulan\"><\/span>Kesimpulan<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-83e7fc6 elementor-widget elementor-widget-text-editor\" data-id=\"83e7fc6\" 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;\">Devisa memiliki peran penting dalam mendukung perdagangan internasional, pembayaran kewajiban luar negeri, dan aktivitas ekonomi lintas negara. Penerimaannya dapat berasal dari ekspor, pariwisata, remitansi, investasi asing, serta sumber lainnya.<\/span><\/p><p><span style=\"font-weight: 400;\">Sementara itu, cadangan devisa yang dikelola Bank Indonesia menjadi salah satu indikator ketahanan ekonomi dan berperan dalam mendukung stabilitas nilai tukar rupiah.<\/span><\/p><p><span style=\"font-weight: 400;\">Bagi investor, perkembangan devisa dan kurs juga relevan karena dapat memengaruhi nilai investasi berbasis dolar AS, termasuk saham Amerika Serikat dan emas.<\/span><\/p><p><span style=\"font-weight: 400;\">Tertarik menjelajahi peluang investasi global? Melalui <\/span><a href=\"http:\/\/nanovest.io\"><b>Nanovest<\/b><\/a><span style=\"font-weight: 400;\">, kamu bisa mempelajari berbagai pilihan saham Amerika Serikat dan emas untuk menyesuaikan strategi investasi dengan tujuan keuanganmu.<\/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-7467447 elementor-widget elementor-widget-html\" data-id=\"7467447\" 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-devisa-cta\" aria-label=\"Jelajahi investasi global di Nanovest\">\r\n  <div class=\"nv-devisa-cta-inner\">\r\n    <span class=\"nv-devisa-cta-eyebrow\">INVESTASI \u2022 NANOVEST<\/span>\r\n\r\n    <h3><span class=\"ez-toc-section\" id=\"Mulai_Jelajahi_Investasi_Global\"><\/span>Mulai Jelajahi Investasi Global<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n    <p class=\"nv-devisa-cta-description\">\r\n      Kenali peluang investasi saham Amerika Serikat dan emas\r\n      melalui Nanovest, sambil terus mengikuti perkembangan\r\n      ekonomi dan pasar keuangan.\r\n    <\/p>\r\n\r\n    <div class=\"nv-devisa-cta-actions\">\r\n      <a\r\n        class=\"nv-devisa-cta-button primary\"\r\n        href=\"https:\/\/www.nanovest.io\/\"\r\n        target=\"_blank\"\r\n        rel=\"noopener noreferrer\"\r\n        aria-label=\"Jelajahi investasi melalui Nanovest\"\r\n      >\r\n        Investasi di Nanovest\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"2\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M7 17 17 7M8 7h9v9\"\/>\r\n        <\/svg>\r\n      <\/a>\r\n\r\n      <a\r\n        class=\"nv-devisa-cta-button secondary\"\r\n        href=\"https:\/\/www.nanovest.io\/blog\/\"\r\n        target=\"_blank\"\r\n        rel=\"noopener noreferrer\"\r\n        aria-label=\"Baca artikel dan tips investasi Nanovest\"\r\n      >\r\n        Baca News & Tips\r\n        <svg viewBox=\"0 0 24 24\" fill=\"none\"\r\n             stroke=\"currentColor\" stroke-width=\"2\"\r\n             stroke-linecap=\"round\" stroke-linejoin=\"round\"\r\n             aria-hidden=\"true\">\r\n          <path d=\"M7 17 17 7M8 7h9v9\"\/>\r\n        <\/svg>\r\n      <\/a>\r\n    <\/div>\r\n\r\n    <p class=\"nv-devisa-cta-disclaimer\">\r\n      Investasi mengandung risiko, termasuk fluktuasi harga aset\r\n      dan perubahan nilai tukar. Artikel ini bersifat edukatif\r\n      dan bukan rekomendasi investasi personal.\r\n    <\/p>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-cta,\r\n.nv-devisa-cta *,\r\n.nv-devisa-cta *::before,\r\n.nv-devisa-cta *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-cta {\r\n  width: 100%;\r\n  max-width: 950px;\r\n  margin: 28px auto;\r\n  padding: 32px;\r\n  background: linear-gradient(125deg, #1b2949 0%, #26365e 100%);\r\n  border-radius: 20px;\r\n  font-family: inherit;\r\n}\r\n\r\n.nv-devisa-cta-inner {\r\n  max-width: 740px;\r\n}\r\n\r\n.nv-devisa-cta-eyebrow {\r\n  display: block;\r\n  margin-bottom: 12px;\r\n  color: #d8bcff;\r\n  font-size: 10px;\r\n  font-weight: 800;\r\n  letter-spacing: 1px;\r\n}\r\n\r\n.nv-devisa-cta h3 {\r\n  margin: 0 0 12px !important;\r\n  color: #fff !important;\r\n  font-size: clamp(23px, 3vw, 30px);\r\n  font-weight: 850;\r\n  line-height: 1.35;\r\n}\r\n\r\n.nv-devisa-cta-description {\r\n  max-width: 650px;\r\n  margin: 0 !important;\r\n  color: #e1e5f0;\r\n  font-size: 13px;\r\n  line-height: 1.85;\r\n}\r\n\r\n.nv-devisa-cta-actions {\r\n  display: flex;\r\n  flex-wrap: wrap;\r\n  gap: 11px;\r\n  margin-top: 23px;\r\n}\r\n\r\n.nv-devisa-cta-button {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  gap: 10px;\r\n  min-height: 45px;\r\n  padding: 12px 19px;\r\n  border: 1px solid transparent;\r\n  border-radius: 9px;\r\n  font-family: inherit;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n  line-height: 1.4;\r\n  text-align: center;\r\n  text-decoration: none !important;\r\n  transition: background .2s ease, transform .2s ease;\r\n}\r\n\r\n.nv-devisa-cta-button svg {\r\n  width: 16px;\r\n  height: 16px;\r\n  flex: 0 0 16px;\r\n}\r\n\r\n.nv-devisa-cta-button.primary {\r\n  color: #fff !important;\r\n  background: #7041c6;\r\n}\r\n\r\n.nv-devisa-cta-button.primary:hover {\r\n  background: #8556dc;\r\n  transform: translateY(-2px);\r\n}\r\n\r\n.nv-devisa-cta-button.secondary {\r\n  color: #fff !important;\r\n  background: transparent;\r\n  border-color: #9ea9c3;\r\n}\r\n\r\n.nv-devisa-cta-button.secondary:hover {\r\n  background: rgba(255,255,255,.1);\r\n  transform: translateY(-2px);\r\n}\r\n\r\n.nv-devisa-cta-disclaimer {\r\n  max-width: 700px;\r\n  margin: 23px 0 0 !important;\r\n  padding-top: 16px;\r\n  border-top: 1px solid rgba(255,255,255,.18);\r\n  color: #cbd0e1;\r\n  font-size: 10.5px;\r\n  line-height: 1.75;\r\n}\r\n\r\n@media (prefers-reduced-motion: reduce) {\r\n  .nv-devisa-cta-button {\r\n    transition: none;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-cta {\r\n    padding: 23px 19px;\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .nv-devisa-cta-actions {\r\n    flex-direction: column;\r\n  }\r\n\r\n  .nv-devisa-cta-button {\r\n    width: 100%;\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-a46466e elementor-widget elementor-widget-heading\" data-id=\"a46466e\" 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=\"FAQ_Seputar_Devisa\"><\/span>FAQ Seputar Devisa<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-6f0bbf7 elementor-widget elementor-widget-html\" data-id=\"6f0bbf7\" 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-devisa-faq\" aria-label=\"Pertanyaan umum seputar devisa\">\r\n\r\n  <details class=\"nv-devisa-faq-item\">\r\n    <summary>\r\n      <span>Apa itu devisa secara sederhana?<\/span>\r\n      <span class=\"nv-devisa-faq-chevron\" aria-hidden=\"true\"><\/span>\r\n    <\/summary>\r\n    <div class=\"nv-devisa-faq-answer\">\r\n      Devisa adalah aset dan kewajiban finansial yang digunakan\r\n      dalam transaksi internasional. Contohnya mencakup valuta\r\n      asing yang diterima dari kegiatan ekspor.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-devisa-faq-item\">\r\n    <summary>\r\n      <span>Apa saja sumber devisa negara?<\/span>\r\n      <span class=\"nv-devisa-faq-chevron\" aria-hidden=\"true\"><\/span>\r\n    <\/summary>\r\n    <div class=\"nv-devisa-faq-answer\">\r\n      Sumber devisa antara lain ekspor barang dan jasa,\r\n      pariwisata internasional, remitansi, investasi asing,\r\n      pinjaman luar negeri, serta hibah internasional.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-devisa-faq-item\">\r\n    <summary>\r\n      <span>Apa perbedaan devisa dan cadangan devisa?<\/span>\r\n      <span class=\"nv-devisa-faq-chevron\" aria-hidden=\"true\"><\/span>\r\n    <\/summary>\r\n    <div class=\"nv-devisa-faq-answer\">\r\n      Devisa mencakup aset dan kewajiban finansial untuk\r\n      transaksi internasional, sedangkan cadangan devisa\r\n      merupakan aset eksternal yang dikuasai dan dikelola\r\n      oleh otoritas moneter.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-devisa-faq-item\">\r\n    <summary>\r\n      <span>Siapa yang mengelola cadangan devisa Indonesia?<\/span>\r\n      <span class=\"nv-devisa-faq-chevron\" aria-hidden=\"true\"><\/span>\r\n    <\/summary>\r\n    <div class=\"nv-devisa-faq-answer\">\r\n      Cadangan devisa Indonesia dikelola oleh Bank Indonesia\r\n      sebagai otoritas moneter.\r\n    <\/div>\r\n  <\/details>\r\n\r\n  <details class=\"nv-devisa-faq-item\">\r\n    <summary>\r\n      <span>Apakah kenaikan cadangan devisa membuat rupiah menguat?<\/span>\r\n      <span class=\"nv-devisa-faq-chevron\" aria-hidden=\"true\"><\/span>\r\n    <\/summary>\r\n    <div class=\"nv-devisa-faq-answer\">\r\n      Cadangan devisa yang memadai dapat mendukung stabilitas\r\n      rupiah, tetapi penguatan nilai tukar juga dipengaruhi\r\n      suku bunga, inflasi, arus modal, dan kondisi ekonomi global.\r\n    <\/div>\r\n  <\/details>\r\n\r\n<\/section>\r\n\r\n<style>\r\n.nv-devisa-faq,\r\n.nv-devisa-faq *,\r\n.nv-devisa-faq *::before,\r\n.nv-devisa-faq *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.nv-devisa-faq {\r\n  width: 100%;\r\n  max-width: 950px;\r\n  margin: 20px auto;\r\n  font-family: inherit;\r\n}\r\n\r\n.nv-devisa-faq-item {\r\n  margin-bottom: 10px;\r\n  overflow: hidden;\r\n  background: #fff;\r\n  border: 1px solid #e8e1f2;\r\n  border-radius: 12px;\r\n}\r\n\r\n.nv-devisa-faq-item summary {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n  gap: 15px;\r\n  padding: 18px 20px;\r\n  color: #1b2949;\r\n  font-size: 13px;\r\n  font-weight: 800;\r\n  line-height: 1.6;\r\n  cursor: pointer;\r\n  list-style: none;\r\n  transition: background .2s ease;\r\n}\r\n\r\n.nv-devisa-faq-item summary::-webkit-details-marker {\r\n  display: none;\r\n}\r\n\r\n.nv-devisa-faq-item summary::marker {\r\n  content: \"\";\r\n}\r\n\r\n.nv-devisa-faq-item summary:hover {\r\n  background: #faf8fd;\r\n}\r\n\r\n.nv-devisa-faq-item[open] summary {\r\n  color: #7041c6;\r\n  background: #faf8fd;\r\n}\r\n\r\n.nv-devisa-faq-chevron {\r\n  position: relative;\r\n  width: 25px;\r\n  height: 25px;\r\n  flex: 0 0 25px;\r\n  background: #f1eafb;\r\n  border-radius: 7px;\r\n}\r\n\r\n.nv-devisa-faq-chevron::before,\r\n.nv-devisa-faq-chevron::after {\r\n  content: \"\";\r\n  position: absolute;\r\n  top: 12px;\r\n  left: 7px;\r\n  width: 11px;\r\n  height: 2px;\r\n  background: #7041c6;\r\n  border-radius: 2px;\r\n}\r\n\r\n.nv-devisa-faq-chevron::after {\r\n  transform: rotate(90deg);\r\n  transition: transform .2s ease;\r\n}\r\n\r\n.nv-devisa-faq-item[open] .nv-devisa-faq-chevron::after {\r\n  transform: rotate(0deg);\r\n}\r\n\r\n.nv-devisa-faq-answer {\r\n  padding: 0 20px 19px;\r\n  color: #58667f;\r\n  font-size: 12.5px;\r\n  line-height: 1.85;\r\n}\r\n\r\n.nv-devisa-faq-item summary:focus-visible {\r\n  outline: 2px solid #7041c6;\r\n  outline-offset: -3px;\r\n}\r\n\r\n@media (prefers-reduced-motion: reduce) {\r\n  .nv-devisa-faq-item summary,\r\n  .nv-devisa-faq-chevron::after {\r\n    transition: none;\r\n  }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n  .nv-devisa-faq-item summary {\r\n    padding: 15px;\r\n    font-size: 12.5px;\r\n  }\r\n\r\n  .nv-devisa-faq-answer {\r\n    padding: 0 15px 16px;\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>Devisa memiliki peran penting dalam kegiatan ekonomi internasional, mulai dari perdagangan antarnegara hingga pembayaran kewajiban luar negeri. Bagi Indonesia, devisa juga berkaitan dengan transaksi ekspor, arus modal, dan stabilitas nilai tukar rupiah. Lantas, apa itu devisa, apa saja jenisnya, dan bagaimana penggunaannya dalam perekonomian? Berikut penjelasannya. Apa Itu Devisa? Devisa adalah aset dan kewajiban finansial<\/p>\n","protected":false},"author":35,"featured_media":29384,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[479],"class_list":["post-29383","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=\"Devisa adalah aset keuangan untuk transaksi internasional. Pahami apa itu devisa, jenis, fungsi, sumber, contoh, dan pengaruhnya terhadap rupiah.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Maretha Putri\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/apa-itu-devisa-29383\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.3\" \/>\n\t\t<meta property=\"og:locale\" content=\"id_ID\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog Nanovest - Artikel dan Berita Kripto, Saham AS, dan Emas\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Apa Itu Devisa? Kenali Fungsi dan Perannya bagi Negara\" \/>\n\t\t<meta property=\"og:description\" content=\"Devisa adalah aset keuangan untuk transaksi internasional. 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