{"id":1799,"date":"2023-09-22T09:00:16","date_gmt":"2023-09-22T02:00:16","guid":{"rendered":"https:\/\/easylink.id\/?p=1799"},"modified":"2025-05-21T10:59:59","modified_gmt":"2025-05-21T03:59:59","slug":"cara-transfer-uang-dari-luar-negeri-ke-indonesia","status":"publish","type":"post","link":"https:\/\/easylink.id\/en\/how-to-transfer-money-from-overseas-to-indonesia\/","title":{"rendered":"6 Ways to Transfer Money From Abroad to Indonesia"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Sending money abroad used to be complicated, but now there are many low-cost and efficient ways to make international transfers. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">You no longer need to send money through the <a href=\"https:\/\/easylink.id\/en\/how-to-send-money-abroad-via-post-office\/\">post office<\/a> using a brown envelope. While that method is still possible, it's certainly not effective in terms of efficiency.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many businesses or individuals typically opt for the easiest method. In this article, we\u2019ll discuss how you can send money from abroad to Indonesia. For business needs, you can use <a href=\"https:\/\/easylink.id\/en\/business\/\">Easylink for Business<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you're facing this issue, congratulations! You've come to the right article to learn how to transfer money from abroad to Indonesia.<\/span><\/p>\n<h2><b>Information Needed to Receive Money from Abroad<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">First, let's discuss the requirements for receiving money from abroad. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are in this situation, or if your relatives in Indonesia want to receive money from you abroad,<\/span><\/p>\n<p><span style=\"font-weight: 400;\">there is some information needed for the recipient in Indonesia:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Full name and address<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">The amount to be sent or received<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Name and address of the recipient's bank<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Recipient's bank account number and type<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Recipient's bank routing number<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">SWIFT code or BIC of the recipient's bank (if necessary)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Transfer reference<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Every money transfer transaction may have its own fees, whether borne by the sender or the recipient.<\/span><\/p>\n<h2><b>Taxes on Receiving Money from Abroad<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For those who have relatives in Indonesia and wish to receive money from abroad, you should inform them that there are fees associated with receiving money from abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These fees may include transaction fees that banks or financial services may charge, currency conversion fees if the transfer is done in a currency other than the US dollar, and other fees that may arise during the transfer process. Fees can range from IDR 50,000 to IDR 150,000.<\/span><\/p>\n<blockquote><p><strong>Read Also: <a href=\"https:\/\/easylink.id\/en\/telegraphic-transfer\/\">What is Telegraphic Transfer?<\/a><\/strong><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Currently, there are international money transfer services that allow both senders and recipients to make transactions without additional charges. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, it's essential to investigate and compare available international transfer services to ensure you choose the most advantageous one for you.<\/span><\/p>\n<h2><b>Maximum Transfer Limit from Abroad to Indonesia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Every remittance service has limits for receiving and sending money from abroad to Indonesia. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It's important to note that the maximum transfer limits for each country differ. However, Indonesia itself has imposed limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The maximum foreign exchange transaction limit is IDR 100 million per month per customer. If the transaction amount exceeds this limit, the customer is required to provide supporting documents as required. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is to ensure compliance with regulations and policies governing international financial transactions.<\/span><\/p>\n<h2><b>How to Send Money from Abroad to Indonesia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you understand how to receive money from abroad and the policies that apply to senders, let's dive into how you can send money from abroad to Indonesia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Until now, remittances in Indonesia have been diverse. You can even search for them yourself, and there are plenty of options. But remember to choose licensed and official channels.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some money transfer services to or from abroad that are official include:<\/span><\/p>\n<h3><b>Western Union<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Western Union is a secure platform widely available for various types of transfers. Currently, Western Union can perform remittances in 200 countries and at 500,000 locations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of its advantages is the speed of transfer, which can be on the same day for cash transfers and up to a week for bank transfers. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The maximum sending limit depends on the recipient's country. Here's how you can send money with Western Union:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Register for a Western Union account by adding personal details or log in if you already have an account.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Select \"Send Money\" and add the destination, transfer amount, and currency.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Choose how the money will be received \u2013 as an example, cash pickup, or via a bank account.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Choose the payment method \u2013 typically by credit or debit card, bank transfer, or cash at a Western Union location.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Review the transfer summary and send it.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Complete the payment, and your money will be processed instantly!<\/span><\/li>\n<\/ol>\n<h3><b>Paypal<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">PayPal is a commonly used and user-friendly platform for peer-to-peer lending. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It's available in 200 countries, including Indonesia, and for transfer speed, funds can be received on the same day!<\/span><\/p>\n<blockquote><p><strong>Read Also: <a href=\"https:\/\/easylink.id\/en\/best-ways-to-send-money-internationally\/\">How to Transfer Money Abroad<\/a><\/strong><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Using PayPal to send money abroad has transaction limits ranging from $60,000 to $10,000 for certain locations. Here's how you can send money using PayPal:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Sign up for a PayPal account through the PayPal app or desktop website.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">If required, complete the requested verification steps.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Select the \"Send Money\" option.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enter the amount you want to send in Indonesian Rupiah.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Add the recipient's email address or phone number.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm your payment method from the options available in your PayPal account.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Check all details carefully, and your money will be processed instantly!<\/span><\/li>\n<\/ol>\n<h3><b>Wise<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Wise is a low-cost and fee-transparent solution for transferring money from abroad to Indonesia without markup fees. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, not all countries can access Wise's services. Indonesia can, but it depends on your current country of residence whether Wise services are available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Transfer speed ranges from instant for credit\/debit cards to up to a week for bank transfers. Wise's transaction limits are $250,000 per transaction and $1 million per year. Here's how to transfer with Wise:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Register on the Wise app or Wise desktop website.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Complete the verification steps. After your account is verified, you're ready to send your first transfer.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Choose \"Send\" on the app or \"Send Money\" on the desktop website.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enter the amount you want to send and confirm the payment method.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Add your personal details and the recipient's details, which can be a bank account, digital wallet account, or email address.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm your payment method and add a message for the recipient.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Complete the payment, and your money will be processed instantly!<\/span><\/li>\n<\/ol>\n<blockquote><p><strong>Read Also: <a href=\"https:\/\/easylink.id\/en\/cross-border\/\">What is Cross Border? How It Works and Its Impact on Imported Goods<\/a><\/strong><\/p><\/blockquote>\n<h3><b>MoneyGram<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Next, you can use MoneyGram. This remittance service offers easy cash transfers with low upfront fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> It is available in 200 countries and 380,000 locations. You can make same-day transfers from abroad to Indonesia in many cases.<\/span><\/p>\n<blockquote><p><strong>Read Also: <a href=\"https:\/\/easylink.id\/en\/wire-transfer\/\">What Is Wire Transfer?<\/a><\/strong><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Unfortunately, the transfer limit is limited to $10,000 per transaction. However, with its transfer speed and lightweight requirements, it can be the best option for certain needs. Here's how you can send money to Indonesia:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Provide detailed information to the sender, including your full legal name, the bank's full name, bank account number, and country of residence.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">On moneygram.com, the sender selects \"Savings Account\" as the receiving option and enters the amount to be sent.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">The sender proceeds with the payment. Exchange rates and fees are displayed on the screen.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">The sender provides information for identity verification.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">The sender reviews all information and sends it!<\/span><\/li>\n<\/ol>\n<h3><b>bank<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you don't want to go through the hassle, you can use a bank. Here, banks refer to banks that provide remittance services, regardless of their type, including national and private banks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remittance services allow users to transfer money from one location to another across the network of partner banks, providing greater convenience and accessibility to customers. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thus, you can easily send and receive funds regardless of the type of bank you use.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banks worldwide typically coordinate international transfers using the SWIFT network. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banks generally use the SWIFT network to coordinate <a href=\"https:\/\/easylink.id\/en\/correspondent-bank\/\">correspondent bank<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This process often takes 3-5 days. This method may also incur additional fees as intermediary banks may charge for their services during the process.<\/span><\/p>\n<h3><b>DANA<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Who would have thought that the DANA app could also be used to transfer money from abroad to Indonesia? Although its services are limited to a few countries, it's still a viable option for some people.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here's how you can transfer money from abroad to Indonesia using DANA:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Visit the nearest DANA partner outlet.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enter the recipient's phone number, the amount you want to send, and the recipient's name as stated on their ID card and the recipient's ID number.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">At the outlet, the information will be entered for sending money to Indonesia, including details such as the sender's information (including name and payment method), recipient information, destination number, and the amount sent.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">For those curious about how to transfer money from abroad to Indonesia using DANA, you can click here!<\/span><\/p>\n<h4><b>BCA<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If you are a BCA bank customer, you can use it for your remittances. It's known as Foreign Exchange (Forex) remittances.\u00a0 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you've registered for forex transfers, you can directly send money to Indonesia using the following steps:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Log in to your KlikBCA account.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Select the \"Transfer Funds\" menu.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Choose \"Transfer Forex to Other Bank Account\" and fill in the transfer information.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enter the KeyBCA Appli 2 response and click \"Continue.\"<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review the transfer details.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enter the KeyBCA Appli 1 response, check the terms and conditions box, and click \"Send\" if everything is correct.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">The transaction is successful, and you can print or save the transaction receipt.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">As of now, KlikBCA can handle forex transfers in 14 foreign currencies, including AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, JPY, NZD, SAR, SEK, SGD, USD, with competitive fees.<\/span><\/p>\n<h4><b>Mandiri<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">You can also transfer from abroad to Mandiri. There are two types of product options for receiving money that you can use. What are they?<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Incoming Transfer (ITR)<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This banking service is specifically designed for receiving funds from abroad. You can benefit from the security of receiving your money.<\/span><\/p>\n<ol start=\"2\">\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Outgoing Transfer (OTR)<\/span><\/li>\n<\/ol>\n<p>This service allows you to send money in 125 foreign currencies. It will be credited directly to the recipient's Mandiri account. The sender only needs to visit a Mandiri partner abroad to transfer funds to the recipient's account in Indonesia.<\/p>\n<h4><b>BRI<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Lastly, you can use BRI Bank to send money to Indonesia from abroad. The process is quite straightforward; you need to visit a BRI Bank or Remittance Company outlet and fill out a money transfer form with the following data:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Full name of the recipient<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Address of the recipient<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span> <span style=\"font-weight: 400;\">Destination account number (if it is for an account)<\/span><\/li>\n<\/ol>\n<h2><b>Tips for Safe Money Transfers from Abroad<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There are many ways to make safe money transfers from abroad. One tip is to choose a secure remittance service like Easylink. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/easylink.id\/en\/send-money\/\">send money abroad<\/a> fast, online, cheap, and available in more than 170 countries, you can use this as a safe tip for transferring money from abroad to Indonesia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can visit the Easylink website and register<\/span> <a href=\"https:\/\/remittance.easylink.id\/personal\/register-login\/1?language=en\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. Enjoy the ease of use and support from customer service to ensure your money transfer goes smoothly.<\/span><\/p>\n<p><a href=\"https:\/\/remittance.easylink.id\/personal\/register-login\/1?language=en\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1802 size-large\" src=\"https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia-1024x683.jpg\" alt=\"banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia\" width=\"1024\" height=\"683\" srcset=\"https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia-1024x683.jpg 1024w, https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia-300x200.jpg 300w, https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia-768x512.jpg 768w, https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia-18x12.jpg 18w, https:\/\/easylink.id\/wp-content\/uploads\/2023\/09\/banner-cara-kirim-uang-dari-luar-negeri-ke-indonesia.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Mengirim uang ke luar negeri dulunya merepotkan. Saat ini, ada banyak cara berbiaya rendah dan efisien untuk melakukan transfer internasional. [&hellip;]<\/p>","protected":false},"author":5,"featured_media":6348,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[32],"tags":[],"class_list":["post-1799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-keuangan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - 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