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class="css-cijxjj e10oxksb0">Apakah itu Fractional Reserve?</div></div><h1 class="css-wb6aqo eis1zsm0">Apakah itu Fractional Reserve?</h1><div class="css-4cffwv"><div class="css-11wixuj e1tu9fjz0"><div class="css-1pyf6yx ehtub1d0"></div>Pemula</div><span class="css-q1dbf8 e10oxksb0">Diterbitkan Jan 21, 2019</span><span class="css-q1dbf8 e10oxksb0">Diperbarui Aug 3, 2023</span><div class="css-2yqw61"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" fill="currentColor" class="css-1xgr03x e1rk5mue0"><path d="M11.9963 4C13.5785 4 15.1252 4.46919 16.4408 5.34824C17.7564 6.22729 18.7818 7.47672 19.3873 8.93853C19.9928 10.4003 20.1512 12.0089 19.8426 13.5607C19.5339 15.1126 18.772 16.538 17.6531 17.6569C16.5343 18.7757 15.1089 19.5376 13.557 19.8463C12.0052 20.155 10.3966 19.9965 8.93481 19.391C7.473 18.7855 6.22358 17.7602 5.34452 16.4446C4.46547 15.129 3.99628 13.5823 3.99628 12C3.99871 9.87901 4.84234 7.84559 6.34211 6.34583C7.84187 4.84606 9.87529 4.00243 11.9963 4ZM11.9963 2C10.0185 2 8.08507 2.58649 6.44058 3.6853C4.79609 4.78412 3.51436 6.3459 2.75749 8.17317C2.00061 10.0004 1.80258 12.0111 2.18843 13.9509C2.57428 15.8907 3.52669 17.6725 4.92521 19.0711C6.32374 20.4696 8.10557 21.422 10.0454 21.8079C11.9852 22.1937 13.9959 21.9957 15.8231 21.2388C17.6504 20.4819 19.2122 19.2002 20.311 17.5557C21.4098 15.9112 21.9963 13.9778 21.9963 12C21.9963 10.6868 21.7377 9.38641 21.2351 8.17315C20.7326 6.95988 19.996 5.85748 19.0674 4.92889C18.1388 4.0003 17.0364 3.26371 15.8231 2.76117C14.6099 2.25863 13.3095 1.99998 11.9963 2Z" fill="currentColor"></path><path d="M15.561 16.972L11.003 12.414V6.004H13.003V11.586L16.975 15.558L15.561 16.972Z" fill="currentColor"></path></svg><span class="css-1j75qc1">5m</span></div></div><article class="css-16ht4fr e4o4ke10"><p class="css-13l1dht e18tjeot2">Cadangan fraksional (Fractional Reserve) adalah sebuah sistem perbankan yang mengizinkan bank komersial untuk mendapatkan keuntungan dengan meminjamkan sebagian dari deposito pelanggannya, dan hanya sebagian dari deposito tersebut disimpan dalam bentuk cash dan tersedia untuk penarikan. Praktisnya, sistem perbankan membuat uang yang dari tidak ada menggunakan persentase dari deposito nasabah bank tersebut.</p><p class="css-13l1dht e18tjeot2">Dalam kata lain, bank tersebut dibutuhkan untuk menyimpan sebuah persentase minimum (sebagian) dari uang yang didepositokan ke dalam akun finansial mereka, yang berarti mereka dapat meminjamkan sisa uang tersebut. Pada saat bank memberikan pinjaman, keduanya, bank dan peminjam menganggap uang tersebut sebagai aset, dan menggandakan jumlah orisinil dalam perekonomian. Mata uang ini lalu dipakai kembali, diinvestasikan kembali, dan dipinjamkan lagi untuk beberapa kali, yang membawa ke sebuah efek multiplikasi, dan ini bagaimana cadangan perbankan fraksional “membuat uang”.</p><p class="css-13l1dht e18tjeot2">Peminjaman dan perhutangan adalah bagian dari sistem cadangan perbankan fraksional dan seringkali membutuhkan sebuah bank sentral untuk menaruh mata uang ke dalam sirkulasi, sehingga bank komersial dapat menyediakan penarikan. Kebanyakan bank sentral juga berlaku sebagai agensi regulasi yang menentukan, cadangan minimum yang dibutuhkan. Ini merupakan sebuah praktek yang lazim di Amerika Serikat dan negara-negara perdagangan bebas lainnya.</p><h3 class="css-tsrtg9 eis1zsm0"><br/></h3><h3 class="css-tsrtg9 eis1zsm0">Pembuatan Sistem Perbankan Cadangan Fraksional</h3><p class="css-13l1dht e18tjeot2">Sistem cadangan perbankan fraksional dibuat pada tahun 1668 pada saat Swedish (Sveriges) Riksbank dibangun sebagai bank sentral pertama di dunia - akan tetapi bentuk primitif dari perbankan cadangan fraksional juga sudah dipakai. Idenya adalah uang deposito dapat berkembang dan berekspansi, menstimulasi ekonomi melalui pinjaman, dan ini dengan cepat menjadi sangat populer. Ini masuk di akal untuk menggunakan sumber daya yang ada untuk mendorong penggunaan, dibandingkan menyimpannya dalam brankas. </p><div class="css-13l1dht e18tjeot2">Setelah Swedia membuat langkah ini menjadi lebih resmi, struktur cadangan fraksional terbangun dan menyebar dengan cepat. Dua bank sentral dibangun pada Amerika pada tahun 1791 dan selanjutnya pada 1816, akan tetapi bank tersebut tidak bertahan. Pada tahun 1913, Undang-Undang Cadangan Federal menciptakan Federal Reserve Bank, yang sekarang menjadi Bank Sentral Amerika Serikat. Objektif dari institusi finansial ini adalah untuk menstabilisasi, memaksimalkan, dan mengawasi perekonomian terhadap harga, lowongan pekerjaan, dan rasio bunga.<br/><br/></div><h3 class="css-tsrtg9 eis1zsm0">Bagaimana cara kerjanya?</h3><p class="css-13l1dht e18tjeot2">Pada saat seorang nasabah mendepositokan uangnya pada akun bank mereka, uang tersebut tidak secara langsung menjadi milik nasabah tersebut, tidak secara langsung. Bank pilihan nasabah yang memiliki uangnya, dan sebagai imbalannya, mereka membuatkan sebuah akun deposito dimana mereka dapat menarik uangnya tersebut. Ini berarti nasabah dari bank tersebut memiliki hak untuk menarik uangnya kapanpun., dengan peraturan yang berlaku pada bank tersebut. Akan tetapi, pada saat bank mengambil uang yang didepositokan tersebut, bank tidak mengambil seluruh deposito tersebut, dan hanya sebagian persentase yang dicadangkan (cadangan fraksional). Nominal cadangan ini hanya berkisar antara 3% - 10% dan sisanya digunakan untuk memberikan pinjaman kepada nasabah lainnya.</p><p class="css-13l1dht e18tjeot2"><br/></p><p class="css-13l1dht e18tjeot2">Bayangkan bagaimana pinjaman ini membuat uang yang baru dengan contoh sederhana sebagai berikut:</p><ol class="css-1mz89b1 e18tjeot1"><li class="css-nybri6 e10oxksb0">Nasabah A mendepositokan $50.000 di Bank 1. Bank 1 meminjamkan nasabah B $45.000</li><li class="css-nybri6 e10oxksb0">Nasabah B mendepositokan $45.000 di Bank 2. Bank 2 meminjamkan nasabah C $40.500</li><li class="css-nybri6 e10oxksb0">Nasabah C mendepositokan $40.500 di Bank 3. Bank 3 meminjamkan nasabah D $36.450</li><li class="css-nybri6 e10oxksb0">Nasabah D mendepositokan $36450 di Bank 4. Bank 4 meminjamkan nasabah E $32.805</li><li class="css-nybri6 e10oxksb0">Nasabah E mendepositokan $32.805 di Bank 5. Bank 5 meminjamkan nasabah F $29.525</li></ol><p class="css-13l1dht e18tjeot2">Dengan cadangan fraksional hanya membutuhkan 10% dari nominal awal, deposito awal sebanyak $50.000, telah berkembang menjadi $234.280 total tersedia, di jumlah dari total deposito semua nasabah plus $29.525. Walaupun ini hanya merupakan contoh sederhana untuk bagaimana cadangan perbankan fraksional membuat uang melalui efek multiplikasi, ini memberikan ide dasar.</p><p class="css-13l1dht e18tjeot2">Mohon dicatat bahwa proses ini berdasarkan dengan prinsip hutang. Akun deposito merepresentasikan uang yang Bank berhutang kepada nasabah (liabilitas) dan penerimaan bunga hutang menjadi pendapatan terbesar untuk bank-bank, dan mereka adalah aset bank. Secara sederhana, bank membuat uang dengan cara membuat lebih banyak aset akun hutang dibandingkan dengan liabilitas akun deposito.</p><p class="css-13l1dht e18tjeot2"><br/></p><h3 class="css-tsrtg9 eis1zsm0">Bagaimana dengan Bank Run?</h3><p class="css-13l1dht e18tjeot2">Apakah yang terjadi apabila semua orang yang mendepositokan uangnya pada sebuah bank memutuskan untuk menarik semua uangnya? Inilah yang dikenal sebagai Bank Run dan dikarenakan bank hanya dibutuhkan untuk memegang sebagian kecil dari deposito nasabahnya, ini akan menyebabkan bank untuk jatuh dikarenakan kegagalannya untuk memenuhi obligasi finansialnya.</p><p class="css-13l1dht e18tjeot2">Untuk sistem perbankan cadangan fraksional dapat bekerja, sangatlah penting untuk seluruh mengambil uangnya pada waktu yang bersamaan. Walaupun Bank Run sudah pernah terjadi di masa lalu, umumnya ini bukan bagaimana nasabah berperilaku. Umumnya, nasabah hanya mencoba untuk mengambil semua uangnya jika mereka percaya bahwa bank tersebut dalam masalah.</p><div class="css-13l1dht e18tjeot2">Depresi Besar Amerika Serikat adalah salah satu contoh terburuk untuk akibat dari penarikan keseluruhan pada waktu yang bersamaan. Sekarang ini, cadangan yang dipegang oleh bank adalah salah satu cara mereka meminimalisir terulangnya kejadian tersebut. Beberapa bank memegang lebih dari apa yang dibutuhkan sebagai cadangan untuk memenuhi kebutuhan nasabah mereka dan memberikan akses kepada dana di akun deposito mereka.<br/><br/></div><h3 class="css-tsrtg9 eis1zsm0">Keuntungan dan kerugian dari Cadangan Perbankan Fraksional</h3><p class="css-13l1dht e18tjeot2">Walaupun bank yang menikmati paling banyak keuntungan dari sistem yang sangat menggiurkan ini, masih ada keuntungan kecil yang dapat dinikmati oleh nasabah bank, adalah bunga deposito. Pemerintah juga menjadi bagian dari skema ini dan seringkali membela bahwa sistem cadangan perbankan fraksional tersebut mendorong penggunaan dan membawa kestabilan dan pertumbuhan bagi ekonomi.</p><p class="css-13l1dht e18tjeot2">Di sisi lainnya, banyak ahli ekonomi percaya bahwa skema cadangan fraksional tidak dapat dijaga dan sangat beresiko - terutama jika kita mempertimbangkan sistem keuangan saat ini, yang diimplementasikan oleh banyak negara, adalah berdasarkan oleh kredit/hutang dan bukan dengan uang yang sesungguhnya. Sistem perekonomian yang kita miliki sekarang bergantung dengan sebuah kondisi dimana nasabah mempercayai bank dan mata uang fiat, yang terjadi di atas sebuah tender hukum oleh pemerintah.</p><p class="css-13l1dht e18tjeot2"><br/></p><h3 class="css-tsrtg9 eis1zsm0">Cadangan Perbankan Fraksional dan Mata Uang DIgital</h3><p class="css-13l1dht e18tjeot2">terbalik dengan sistem mata uang fiat tradisional, Bitcoin diciptakan sebagai mata uang digital terdesentralisasi, melahirkan sebuah ruang kerja alternatif untuk perekonomian yang bekerja dengan cara yang sangat berbeda. </p><div class="css-13l1dht e18tjeot2">Seperti layaknya <a target="_blank" rel="noopener noreferrer" href="https://academy.binance.me/id/articles/what-is-cryptocurrency" class="css-3r945m e10oxksb0">mata uang digital</a> lainnya, Bitcoin dijaga oleh sebuah jaringan node cryptography. Semua data dilindungi oleh bukti cryptography dan terekam pada sebuah buku kas terdistribusi yang disebut dengan <a target="_blank" rel="noopener noreferrer" href="https://academy.binance.me/id/articles/history-of-blockchain" class="css-3r945m e10oxksb0">blockchain</a>. Ini berarti tidak dibutuhkannya sebuah sentral bank dan tidak ada otoritas yang bertugas.</div><p class="css-13l1dht e18tjeot2">Dan juga, penerbitan Bitcoin adalah terbatas dan tidak akan ada pembuatan setelah 21 juta bitcoin diterbitkan. Maka dari itu, konteks yang kita pakai jauh berbeda dan tidak ada cadangan fraksional dalam dunia Bitcoin dan Mata Uang Digital.</p></article></div></div><div class="css-1olcmky"><div class="css-14bgbm8 eehksor0"><div class="css-vurnku"><div data-bn-type="text" class="css-zzqkfp">Bagikan Posting</div><div class="css-1u83isv eehksor0"><div class="css-0 eehksor2"><a href="https://twitter.com/intent/tweet?url=https%3A%2F%2Facademy.binance.com%2Fid%2Farticles%2Fwhat-is-fractional-reserve%3F%26utm_campaign%3Dweb_share_link%26utm_source%3Dtwitter&text=Apakah%20itu%20Fractional%20Reserve?" aria-label="Share this article on twitter" rel="noopener noreferrer" target="_blank" class="css-hv3wqz el1tq4q1"><svg viewBox="0 0 18 14" xmlns="http://www.w3.org/2000/svg" fill="currentColor" class="css-0 e1rk5mue0"><path d="M5.90944 13.7676C7.18903 13.7764 8.45762 13.5308 9.64152 13.0452C10.8254 12.5596 11.901 11.8436 12.8058 10.9387C13.7107 10.0339 14.4267 8.95831 14.9123 7.77442C15.398 6.59052 15.6435 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Lanjutkan kinerja baik Anda!","binance-academy-congratulations-desc":"Lanjutkan Kursus","binance-academy-congratulations-desc-new":"Anda hanya perlu menyelesaikan {{x}} modul lagi untuk menuntaskan studi dan menerima sertifikat! Pertahankan kinerja baik Anda!","binance-academy-congratulations-new":"Selamat!","binance-academy-content-request":"Permintaan Konten","binance-academy-continue-course":"{{username}} baru saja menerima sertifikat karena telah menyelesaikan kursus ini. Mari belajar bersama!","binance-academy-continue-course-new":"Lanjutkan Kursus","binance-academy-continue-learning":"Lanjutkan Belajar","binance-academy-cookie-preference":"Preferensi Cookie","binance-academy-copied":"Disalin!","binance-academy-copy-success":"Berhasil disalin","binance-academy-copye-link":"Salin Tautan","binance-academy-could-not-find-any-results-but-here-bob-waving":"Kami tidak dapat menemukan hasil apa pun. 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Anda dapat melihat sertifikat Anda \u003clink\u003edi sini\u003c/link\u003e.","binance-academy-course-claim-reward":"Klaim reward","binance-academy-course-claim-reward-inactive-tooltip":"Dapatkan sertifikat setelah menyelesaikan {{num}} kursus seluruhnya","binance-academy-course-claim-reward-modal-button":"Klaim Reward","binance-academy-course-claim-reward-modal-desc":"Sertifikat Anda siap diklaim!","binance-academy-course-claim-reward-modal-desc-2":"Agar kami dapat membuat sertifikat Anda, berikan nama Anda kepada kami. Harap diperhatikan bahwa setelah dikirimkan, nama tidak dapat diubah.","binance-academy-course-claim-reward-modal-title":"Kerja bagus dalam menyelesaikan kursus! Dapatkan sertifikat Anda sekarang.","binance-academy-course-claim-reward-modal-title-2":"Selamat sudah menyelesaikan kursus! Anda kini bisa mendapatkan sertifikat Anda.","binance-academy-course-claim-reward-modal-your-name":"Nama Anda","binance-academy-course-coming-soon":"Segera Hadir","binance-academy-course-completed-time":"Durasi penyelesaian","binance-academy-course-diploma-share-poster-desc":"Saya baru saja menerima sertifikat saya dengan menyelesaikan kursus ini. Mari belajar bersama!","binance-academy-course-diploma-share-poster-title":"Kursus Binance Academy","binance-academy-course-faq":"FAQ (Pertanyaan yang Sering Ditanyakan)","binance-academy-course-finished-cert-desc":"Sertifikat akreditasi akan diberikan setelah selesai","binance-academy-course-first-course-congrats":"Selamat telah menyelesaikan kursus ini! Kursus lain akan segera hadir. Pantau terus!","binance-academy-course-further-reading":"Bacaan Lainnya","binance-academy-course-go-to-homepage":"Buka beranda","binance-academy-course-homepage-cta-button":"Mulai Kursus","binance-academy-course-homepage-cta-desc":"Tingkatkan pengetahuan Anda secara gratis melalui kursus interaktif kami yang menyenangkan. Binance Academy menyajikan serangkai kursus pendidikan paling komprehensif untuk pelajar pemula, menengah, dan mahir.","binance-academy-course-homepage-cta-duration-desc":"Gabung bersama jutaan orang dan mulai belajar dari program edukasi Binance Academy yang menetapkan standar","binance-academy-course-homepage-cta-duration-title":"Pusat Pembelajaran Terpadu","binance-academy-course-homepage-cta-learn-free-desc":"Selesaikan kuis dan dapatkan reward.","binance-academy-course-homepage-cta-learn-free-title":"Belajar secara Gratis","binance-academy-course-homepage-cta-nft-diploma-desc":"Klaim Sertifikat Pencapaian Anda sebagai bukti pembelajaran","binance-academy-course-homepage-cta-nft-diploma-title":"Terima Sertifikat","binance-academy-course-homepage-cta-title":"Pelajari kripto dan dapatkan reward","binance-academy-course-homepage-cta-win-crypto-desc":"Undang teman untuk mendaftar kursus dan menangkan 1 BTC.","binance-academy-course-homepage-cta-win-crypto-title":"Menangkan 1 BTC","binance-academy-course-homepage-hero-1":"Edukasi kripto gratis","binance-academy-course-homepage-hero-2":"Pelajari. Hasilkan.","binance-academy-course-homepage-hero-3":"Jadilah investor cerdas.","binance-academy-course-instructor":"Instruktur","binance-academy-course-landing-og-desc":"Bergabunglah dengan jutaan orang lainnya untuk mulai belajar dari program edukasi Binance Academy yang interaktif dan menjadi acuan standar. Terima sertifikat Anda setelah menuntaskan kursus dan menyelesaikan kuis.","binance-academy-course-landing-og-title":"Daftar Kursus Kripto untuk Pengetahuan Blockchain | Binance Academy","binance-academy-course-learn":"Pelajari","binance-academy-course-learn-now":"Pelajari Sekarang","binance-academy-course-learned":"Sudah Dipelajari","binance-academy-course-level":"Level Keterampilan","binance-academy-course-login-alert":"Masuk ke akun Binance Anda untuk melacak progres dan mengeklaim sertifikat Anda. Anda mungkin kehilangan progres pembelajaran jika tidak masuk.","binance-academy-course-login-register-modal-button":"Masuk / daftar","binance-academy-course-login-register-modal-desc":"Masuk ke akun Binance Anda atau daftar untuk menyelesaikan kursus.","binance-academy-course-login-register-modal-title":"Terus belajar untuk mengeklaim sertifikat","binance-academy-course-minutes":"{{minutes}} Menit","binance-academy-course-module-index":"Modul:","binance-academy-course-more-about-course":"Selengkapnya tentang kursus ini","binance-academy-course-nft-sanction-region-notification":"Sertifikat NFT saat ini tidak tersedia di negara atau wilayah Anda.","binance-academy-course-nth-course":"Kursus {{nth}}:","binance-academy-course-nth-module":"Modul:","binance-academy-course-num-of-course":"{{num}} Kursus","binance-academy-course-obtain-cert-desc":"Setelah menyelesaikan kursus, peserta kursus akan menerima sertifikat yang berisi deskripsi kursus, tanda tangan, dan nama lembaga mitra. Sertifikat ini dapat dilihat dan diunduh dari dasbor peserta kursus.","binance-academy-course-obtain-cert-title":"Dapatkan sertifikat profesional","binance-academy-course-obtain-syllabus":"Silabus","binance-academy-course-offerd-by":"Ditawarkan oleh","binance-academy-course-other-courses":"Kursus Lain","binance-academy-course-overview":"Ringkasan","binance-academy-course-paid-course":"Kursus Berbayar","binance-academy-course-payment-button":"Daftar Sekarang Seharga ${{dollar}}","binance-academy-course-payment-failed":"Pembayaran gagal","binance-academy-course-payment-successful":"Anda berhasil membeli kursus ini*.","binance-academy-course-quiz":"Kuis","binance-academy-course-quiz-next":"Berikutnya","binance-academy-course-quiz-next-course":"Kursus Berikutnya","binance-academy-course-quiz-next-module":"Modul Berikutnya","binance-academy-course-quiz-submit":"Kirim","binance-academy-course-quiz-try-again":"Coba Lagi","binance-academy-course-rewarded":"Dihadiahkan","binance-academy-course-share-nft-desc":"Selamat! Anda telah berhasil mengeklaim NFT. Anda dapat melihat NFT Anda di \u003cnft-link\u003eBinance NFT\u003c/nft-link\u003e.","binance-academy-course-share-with-friends":"Bagikan dengan teman","binance-academy-course-skill-level-advanced":"Lanjutan","binance-academy-course-skill-level-beginner":"Pemula","binance-academy-course-skill-level-intermediate":"Menengah","binance-academy-course-start-learning":"Mulai Kursus","binance-academy-course-start-to-learn":"Mulai belajar","binance-academy-course-university-logo-title1":"Mitra","binance-academy-course-university-logo-title2":"Kami","binance-academy-course-unlock-module-tip":"Untuk membuka modul ini dan mendapatkan reward, selesaikan modul 1 sebelum ini dan masuk ke akun Binance Anda","binance-academy-course-verification-modal-desc":"Sertifikat dapat diklaim setelah Verifikasi Identitas Binance Anda selesai.","binance-academy-course-verification-modal-title":"Kerja bagus dalam menyelesaikan kursus! Dapatkan sertifikat Anda sekarang.","binance-academy-course-video":"Video","binance-academy-course-view-certificate":"Lihat Sertifikat","binance-academy-course-view-my-nft":"Lihat NFT saya","binance-academy-courses":"Kursus","binance-academy-crypto-blockchain-education":"Edukasi Kripto \u0026 Blockchain","binance-academy-current-block-height":"Nomor urut blok saat ini","binance-academy-days":"Hari","binance-academy-detailed-datesheet":"Detail lembar data","binance-academy-difficulty":"Kesulitan","binance-academy-disclaimer-label":"Penafian","binance-academy-discover":"Temukan","binance-academy-enter-your-email-address":"Masukkan alamat email Anda","binance-academy-error-already-redeemed":"Anda sudah menebus reward. Silakan periksa status reward dalam riwayat reward Anda.","binance-academy-error-claim-without-identity-verification":"Untuk dapat mengeklaim reward, Anda harus menyelesaikan Verifikasi Identitas terlebih dahulu.","binance-academy-error-high-traffic":"Kami saat ini sedang mengalami lalu lintas yang luar biasa tinggi. Silakan coba lagi nanti.","binance-academy-error-region-not-available":"Kursus ini tidak tersedia di wilayah Anda. Silakan jelajahi kursus lain.","binance-academy-error-rewards-all-redeemded":"Semua reward telah ditebus.","binance-academy-error-risk-assessment":"Anda mungkin tidak memenuhi syarat untuk aktivitas ini karena akun Anda gagal dalam penilaian risiko.","binance-academy-error-sub-account":"Anda mungkin tidak memenuhi syarat untuk aktivitas ini karena akun Anda adalah sub-akun.","binance-academy-error-system-busy":"Sistem sedang sibuk. Silakan coba lagi nanti.","binance-academy-essentials":"Utama","binance-academy-exchange":"Bursa","binance-academy-exchange-menu-outline":"Bursa aset kripto dan blockchain","binance-academy-explore-all-our-content":"Jelajahi semua konten kami","binance-academy-explore-our-content":"Jelajahi konten kami","binance-academy-featured":"Utama","binance-academy-feedback":"Umpan Balik","binance-academy-field-cant-be-edited-afterwards":"{{field}} tidak dapat diedit setelahnya","binance-academy-field-should-be-num-chars":"{{field}} harus minimal {{num}} karakter","binance-academy-find-out-why-btc-slahsed-on-halving-page":"Setiap empat tahun, reward Bitcoin berkurang setengahnya. Cari tahu alasannya di halaman Halving.","binance-academy-full-definition":"Definisi lengkap","binance-academy-get-latest-crypto-drop-to-your-email-every-week":"Dapatkan info kripto terbaru yang dikirimkan ke email Anda, setiap minggu.","binance-academy-get-started-here":"Mulai di sini","binance-academy-glossaries":"Glosarium","binance-academy-glossaries-menu-outline":"Lihat semua glosarium kripto","binance-academy-glossary":"Glosarium","binance-academy-glossary-desc":"Glosarium Blockchain dan Kripto dari Binance Academy adalah sumber resmi untuk terminologi dan definisi dunia blockchain dan mata uang kripto.","binance-academy-glossary-quiz":"Kuis Glosarium","binance-academy-go-to-course":"Buka Kursus","binance-academy-guides":"Panduan","binance-academy-halving-desc":"Halving reward blok bitcoin terjadi rata-rata setiap 4 tahun sekali, pelajari pentingnya halving bitcoin dan kapan halving berikutnya akan terjadi.","binance-academy-have-question-your-own":"Anda memiliki pertanyaan sendiri?","binance-academy-hide-filters":"Sembunyikan filter","binance-academy-home":"Beranda","binance-academy-homepage-articles-beginner":"Crypto for Beginners","binance-academy-homepage-articles-latest":"Latest content","binance-academy-homepage-articles-non-beginner":"Crypto Trading for Beginners","binance-academy-homepage-course-entry-btn":"Mulai","binance-academy-homepage-course-entry-desc":"Completely new to crypto? Take our free, short, beginner courses to learn the fundamentals.","binance-academy-homepage-course-entry-title":"Crypto Beginner Courses","binance-academy-homepage-event-tag":"Acara","binance-academy-homepage-featured-tag":"Utama","binance-academy-homepage-learn-earn-tag":"Learn \u0026 Earn","binance-academy-homepage-parter-btn":"Bergabunglah dengan kami","binance-academy-homepage-parter-title":"Want to partner with Binance Academy?","binance-academy-homepage-short-cuts-article":"Artikel","binance-academy-homepage-short-cuts-course":"Kursus","binance-academy-homepage-short-cuts-learn-earn":"Learn \u0026 Earn","binance-academy-homepage-short-cuts-produce-guideline":"Panduan Produk","binance-academy-homepage-shortcuts-title":"Pintasan","binance-academy-homepage-suggested-title":"Disarankan","binance-academy-homepage-title1":"BINANCE ACADEMY","binance-academy-homepage-title2":"BLOCKCHAIN \u0026 CRYPTO EDUCATION","binance-academy-hours":"{{x}} Jam","binance-academy-i-completed-desc":"Anda telah menyelesaikan semua kursus dan menerima sertifikat kursus.","binance-academy-in-process":"Sedang Berlangsung","binance-academy-intermediate":"Menengah","binance-academy-japan-disclaimer":"Anda dialihkan ke situs yang tidak dioperasikan oleh Binance Japan. Binance Japan tidak bertanggung jawab atas informasi, layanan, dll. terkait dengan situs ini. Syarat dan Ketentuan situs tujuan berlaku bagi Anda. Situs ini dibuat hanya sebagai informasi dan tidak dimaksudkan sebagai ajakan untuk berinvestasi.","binance-academy-just-signal":"Tidak ada kebisingan. Hanya sinyal.","binance-academy-keep-an-eye-on-btc":"Pantau terus Bitcoin","binance-academy-labs":"Labs","binance-academy-labs-menu-outline":"Inkubator bagi proyek blockchain teratas","binance-academy-latest-content-question":"konten terbaru kami?","binance-academy-latest-questions":"Pertanyaan terbaru","binance-academy-latest-releases":"Rilis Terbaru","binance-academy-launchpad":"Launchpad","binance-academy-launchpad-menu-outline":"Platform Peluncuran Token","binance-academy-layout":"Tata Letak","binance-academy-learn-all-about":"Pelajari Semua Tentang","binance-academy-learn-all-blockchain-cryptocurrency":"Pelajari Semua Tentang Blockchain \u0026 Mata Uang Kripto","binance-academy-learn-and-earn-all":"Semua","binance-academy-learn-and-earn-disclaimer-part-1":"Penafian dan Peringatan Risiko: Konten ini disajikan kepada Anda dengan dasar “sebagaimana adanya” untuk informasi umum dan tujuan pendidikan saja, tanpa pernyataan atau jaminan dalam bentuk apa pun. Konten tersebut tidak boleh ditafsirkan sebagai nasihat keuangan dan bukan merupakan rekomendasi untuk membeli produk atau layanan tertentu. Silakan baca penafian kami selengkapnya \u003chere-link\u003edi sini\u003c/here-link\u003e untuk mengetahui detail lebih lanjut.","binance-academy-learn-and-earn-disclaimer-part-2":"Harga aset digital dapat bersifat fluktuatif. Nilai investasi Anda mungkin turun atau naik. Anda mungkin tidak mendapatkan kembali jumlah yang sudah diinvestasikan. Anda bertanggung jawab sepenuhnya terhadap keputusan investasi Anda. Binance Academy tidak bertanggung jawab terhadap kerugian apa pun yang mungkin Anda alami. Bukan nasihat keuangan. Untuk informasi selengkapnya, baca \u003cterm-link\u003eKetentuan Penggunaan\u003c/term-link\u003e dan \u003crisk-link\u003ePeringatan Risiko\u003c/risk-link\u003e kami.","binance-academy-learn-and-earn-ended":"Aktivitas yang sudah berakhir","binance-academy-learn-and-earn-ongoing":"Aktivitas yang sedang berlangsung","binance-academy-learn-test-your-knowledge-with-quizzes":"Belajar sambil menguji pengetahuan Anda dengan berbagai kuis.","binance-academy-linkin-add-to-profile":"Tambah ke profil","binance-academy-live-card-body":"Tonton AMA Academy, wawancara, dan kursus online di Binance Live","binance-academy-live-card-cta":"Lihat Saluran Live Binance Academy","binance-academy-live-card-title":"Mau lebih banyak materi belajar?","binance-academy-loading":"Memuat","binance-academy-login":"Masuk","binance-academy-login-register-post-new-answer":"Masuk atau daftar untuk mengirim jawaban baru","binance-academy-lost-in-all-crypto-slang":"Kesulitan memahami istilah kripto?","binance-academy-mins":"{{x}} Menit","binance-academy-minutes":"Menit","binance-academy-my-course":"Kursus saya","binance-academy-network-error":"Alasan: Kesalahan jaringan","binance-academy-new":"Baru","binance-academy-next-module":"Modul berikutnya","binance-academy-nft-cert-desc1":"Setelah selesai, peserta akan menerima sertifikat NFT.","binance-academy-nft-cert-desc2":"Sertifikat NFT Anda akan muncul di akun Binance Anda dalam waktu 14 hari setelah menyelesaikan semua tugas kursus yang diperlukan. Anda dapat memeriksa sertifikat NFT Anda dengan mengunjungi [Binance NFT] - [Profil] - [Terkumpul].","binance-academy-nft-cert-desc3":"Catatan: Sertifikat NFT tidak tersedia di beberapa wilayah dan tidak dapat dipindahtangankan atau diperdagangkan.","binance-academy-nft-cert-title":"Dapatkan sertifikat NFT saat Anda menyelesaikan kursus ini.","binance-academy-no-answers-found":"Tidak ada jawaban","binance-academy-no-articles-found":"Artikel tidak ditemukan","binance-academy-no-idea-you-just-scrolled":"Tidak tahu apa yang barusan Anda gulir?","binance-academy-no-results-found":"Hasil tidak ditemukan","binance-academy-no-topics-found-for-search-term":"Tidak ada topik yang ditemukan untuk istilah pencarian ini","binance-academy-no-worry-our-guide-get-you-up-to-speed":"Jangan khawatir. Panduan pemula kami akan membantu mempercepat pembelajaran Anda.","binance-academy-num-of-our-terms-glossary-how-many-do-you-know":"Itu adalah jumlah istilah dalam glosarium kami. Berapa banyak yang Anda ketahui?","binance-academy-ok":"Oke","binance-academy-one-stop-guide-to-all-crypto-things":"Panduan lengkap Anda untuk segala hal tentang kripto. Baik Anda seorang pemula yang mencoba memahami tentang mining maupun veteran yang ingin mengembangkan strategi perdagangan, kami siap membantu Anda.","binance-academy-open":"Buka","binance-academy-overview-cert-nft-desc":"Setelah menyelesaikan kursus ini, peserta akan menerima sertifikat NFT.","binance-academy-overview-cert-nft-title":"Dapatkan sertifikat NFT","binance-academy-overview-cert-pdf-and-nft-desc":"Setelah menyelesaikan setiap kursus, peserta akan menerima sertifikat NFT dan PDF.","binance-academy-overview-cert-pdf-and-nft-title":"Dapatkan sertifikat NFT dan PDF","binance-academy-overview-cert-pdf-desc":"Setelah menyelesaikan kursus ini, peserta akan menerima sertifikat PDF berisi nama institusi yang bermitra.","binance-academy-overview-cert-pdf-title":"Dapatkan sertifikat PDF","binance-academy-paied-course-not-login-btn":"Masuk","binance-academy-paied-course-not-login-text":"\"Ups! Sepertinya Anda belum masuk ke akun untuk melihat konten kursus ini. Silakan masuk ke akun Anda untuk mengaksesnya. Anda akan segera diarahkan kembali ke halaman utama. Terima kasih atas pengertian Anda.\"","binance-academy-pdf-and-nft-cert-desc1":"Setelah menyelesaikan setiap kursus, peserta akan menerima sertifikat NFT dan PDF. Artinya, tersedia hingga 6 sertifikat NFT dan PDF di Kursus Menengah.","binance-academy-pdf-and-nft-cert-title":"Dapatkan hingga 6 sertifikat NFT dan PDF saat Anda menyelesaikan kursus ini.","binance-academy-pdf-cert-desc1":"Setelah selesai, peserta akan menerima sertifikat PDF.","binance-academy-pdf-cert-desc2":"Anda dapat melihat sertifikat PDF Anda dengan mengunjungi [Kursus saya] di avatar pribadi Anda - [Selesai].","binance-academy-pdf-cert-desc3":"Setelah selesai, peserta akan menerima sertifikat PDF yang berakreditasi universitas dengan nama institusi yang bermitra.","binance-academy-pdf-cert-title":"Dapatkan sertifikat PDF saat Anda menyelesaikan kursus ini.","binance-academy-percentage-btc-mined":"Persentase BTC yang masuk mining","binance-academy-popular-articles":"Artikel populer","binance-academy-popular-topics":"Topik populer","binance-academy-post-answer":"Posting Jawaban","binance-academy-post-question":"Kirimkan pertanyaan","binance-academy-privacy-policy":"Kebijakan Privasi","binance-academy-products":"Produk","binance-academy-published":"Diterbitkan","binance-academy-question-create-failed":"Gagal membuat pertanyaan","binance-academy-question-created":"Pertanyaan berhasil dibuat","binance-academy-question-update-failed":"Gagal memperbarui pertanyaan","binance-academy-question-updated":"Pertanyaan berhasil diperbarui","binance-academy-questions-desc":"Tempat terbaik untuk mendapatkan jawaban atas pertanyaan Anda tentang mata uang kripto dan blockchain. Kripto tidak harus membingungkan. Berpartisipasi, dan mulailah belajar hari ini!","binance-academy-quiz":"Kuis","binance-academy-quiz-finished-text":"Selamat, Anda telah berhasil lulus kuis kursus ini!","binance-academy-quizzes":"Kuis","binance-academy-quizzes-desc":"Ingin menguji diri Anda? Lihat Kuis Binance Academy dan uji seberapa banyak Anda telah belajar tentang Blockchain, Mata Uang Kripto, Keamanan, dan Ekonomi.","binance-academy-reading-time":"Durasi baca","binance-academy-refresh":"Segarkan","binance-academy-register":"Daftar","binance-academy-related-articles":"Artikel Terkait","binance-academy-related-glossaries":"Glosarium Terkait","binance-academy-research":"Research","binance-academy-research-menu-outline":"Analisis dan laporan kelas institusional","binance-academy-retake-quiz":"Ulangi Kuis","binance-academy-search":"Cari","binance-academy-search-answers-questions-keywords":"Cari jawaban, pertanyaan, kata kunci","binance-academy-search-glossary":"Cari istilah","binance-academy-search-terms-here":"Cari istilah di sini","binance-academy-seconds":"Detik","binance-academy-see-all":"Lihat semua","binance-academy-see-all-blockchain-content":"Lihat Semua Konten Blockchain","binance-academy-see-all-essentials-content":"Lihat Semua Konten Utama","binance-academy-see-all-latest-releases":"Lihat Semua Rilis Terbaru","binance-academy-see-all-menu-outline":"Lihat semua topik artikel","binance-academy-see-all-results-for-term":"Lihat semua {{total}} hasil untuk '{{term}}'","binance-academy-see-all-title":"Lihat semua {{title}}","binance-academy-see-all-trading-content":"Lihat Semua Konten Perdagangan","binance-academy-see-more-about-this-topic":"Lihat lebih banyak konten tentang topik ini","binance-academy-sell-all-title":"Lihat semua {{title}}","binance-academy-share":"Bagikan","binance-academy-share-posts":"Bagikan Posting","binance-academy-show-filters":"Tampilkan filter","binance-academy-show-off-your-crypto-knowledge":"Buktikan pengetahuan kripto Anda","binance-academy-solved":"Selesai","binance-academy-specialization-course":"Kursus Spesialisasi","binance-academy-square-top-creator":"Kreator Teratas Binance Square","binance-academy-start-here":"Mulai di sini","binance-academy-start-to-learn":"Mulai Kursus","binance-academy-students-content":"Evaluasi Pelajar","binance-academy-students-content1":"Saya sangat mengapresiasi cara kursus menggali teknologi blockchain secara mendalam. Para instruktur, Profesor Dr. Jakub Jedlinský dan Kareem Abdallah, membawa keahlian yang tajam dan perspektif yang memperkaya.","binance-academy-students-content2":"Kursus ini akan membantu pemula memahami Web3, Dasar-dasar Teknologi Blockchain, dan banyak lagi. \n\nSetelah memperoleh satu sertifikat Academy, menerima sertifikat kedua dari EBU benar-benar diapresiasi.","binance-academy-students-content3":"Sebagian besar kursus blockchain monoton, tetapi yang satu ini benar-benar menghibur. \n\nKursus ini membahas jaringan P2P secara mendalam, dan kuis terasa seperti permainan sehingga memotivasi saya untuk fokus.","binance-academy-students-content4":"Kursus VŠE telah benar-benar memperluas pengetahuan saya, dan saya berharap nanti dapat berbagi dengan orang lain tentang hal yang telah saya pelajari. Saya mengapresiasi bahwa penyusun kursus menggunakan analogi yang familier untuk menjelaskan istilah baru.","binance-academy-students-content5":"Dr. Schmalbach memiliki banyak pengalaman dan pengetahuan mendalam tentang teknologi blockchain. \n\nSenang mendengarkan ceramahnya. Beliau memiliki kemampuan untuk menjelaskan konsep-konsep kompleks dengan cara yang jelas dan dapat dimengerti.","binance-academy-study-together":"{{username}} baru saja menerima sertifikat karena telah menyelesaikan kursus ini. Mari belajar bersama!","binance-academy-study-week":"Panduan Produk","binance-academy-submit-guidelines":"Pedoman Pengajuan","binance-academy-subscribe":"Berlangganan","binance-academy-take-a-crypto-quiz":"Ikuti kuis kripto","binance-academy-take-closer-look-at-our-blockchain-crypto-glossary":"Perhatikan dengan cermat glosarium blockchain \u0026 kripto kami.","binance-academy-take-quiz":"Ikuti Kuis","binance-academy-terms-cons":"Syarat \u0026 Ketentuan","binance-academy-the-words-of-crypto":"Istilah dalam Kripto","binance-academy-theme":"Tema","binance-academy-time-to-understand-the-language":"Saatnya untuk memahami bahasanya","binance-academy-title":"Judul","binance-academy-toc":"Daftar Isi","binance-academy-topbar-button-content":"Hasilkan sekarang","binance-academy-topbar-content":"Pelajari Berbagai Proyek dan Hasilkan Kripto Gratis dengan Binance Learn and Earn!","binance-academy-topics":"Topik","binance-academy-topics-at-academy":"Topik di Academy","binance-academy-total-btc-in-circulation":"Total BTC yang beredar","binance-academy-total-btc-to-ever-be-produced":"Total BTC yang pernah diproduksi","binance-academy-trading":"Trading","binance-academy-trans-guidelines":"Pedoman Terjemahan","binance-academy-trending":"Sedang Tren","binance-academy-trust-wallet":"Trust Wallet","binance-academy-trust-wallet-menu-outline":"Dompet kripto resmi Binance","binance-academy-try-again":"Coba lagi","binance-academy-try-out-academy-quizzes":"Cobalah Kuis Academy!","binance-academy-university-course":"Kursus Universitas","binance-academy-up-for-adventure":"Siap berpetualang?","binance-academy-update-question":"Perbarui pertanyaan","binance-academy-updated":"Diperbarui","binance-academy-verify-now":"Verifikasi Sekarang","binance-academy-we-are-working-on-more-quizzes":"Kami sedang menyiapkan lebih banyak kuis.","binance-academy-while-wait-why-not-checkout-our":"Selagi Anda menunggu, Anda mungkin ingin membaca","binance-academy-you-completed-desc":"Anda sekarang telah menyelesaikan semua modul dalam kursus ini dan mendapatkan sertifikat kursus. Bagikan kepada teman-teman Anda! \u003chyperlink\u003eLihat sertifikat:\u003c/hyperlink\u003e","binance-academy-you-have-questions-we-have-answers":"Anda punya pertanyaan. Kami punya jawaban.","binance_academy_disclaimer":"Perdagangan mata uang kripto memiliki risiko pasar yang tinggi. Harap lakukan perdagangan Anda dengan hati-hati. Anda bertanggung jawab penuh atas kerugian perdagangan Anda. Binance berusaha untuk bermitra dengan sejumlah proyek berkualitas tinggi, tetapi hal tersebut bukanlah dimaksudkan sebagai nasihat keuangan. Harap lakukan riset Anda sendiri sebelum melakukan perdagangan apa pun.","binance_academy_most_viewed":"Terbanyak dilihat","binance_academy_recently_published":"Baru saja dipublikasikan","binance_academy_recently_updated":"Baru saja diperbarui","course-banner-text":"Pelajari kripto dan dapatkan reward","course-blank-tips":"Anda akan menemukan kursus yang telah Anda selesaikan di sini.","course-button-continue-learning":"Lanjutkan Belajar","course-button-start-learning":"Mulai Belajar","course-profile-accomplishments":"Pencapaian {{name}}","course-profile-course-completed":"Kursus yang diselesaikan","course-profile-view-card-description":"Diselesaikan oleh {{name}} pada tanggal {{time}}","course-profile-view-nft-certificate":"Lihat Reward NFT","course-share-popup-description":"Saya baru saja menerima sertifikat saya dengan menyelesaikan kursus ini. Mari belajar bersama!","course-share-popup-title":"Kursus Binance Academy","course-tabs-all-courses":"Semua Kursus","course-tabs-completed":"Selesai","course-tabs-in-progress":"Dalam Proses","learn-and-earn-active-popup-default-content":"Daftar di Binance dan selesaikan Verifikasi Identitas untuk mengeklaim reward Anda","learn-and-earn-active-popup-default-cta-button":"Klaim Sekarang","learn-and-earn-active-popup-default-disclaimer":"Hanya berhak bagi pengguna Binance baru. Untuk informasi lebih lanjut, silakan merujuk ke {{terms}}.","learn-and-earn-active-popup-default-step1":"Daftar di Binance","learn-and-earn-active-popup-default-step2":"Selesaikan Verifikasi Identitas dalam {{duration}}","learn-and-earn-active-popup-default-step3":"Klaim reward Anda","learn-and-earn-active-popup-default-steps-caption":"Klaim reward Anda dalam 3 langkah mudah","learn-and-earn-active-popup-default-title":"Klaim {{income}} {{asset}} gratis Anda hari ini","learn-and-earn-active-popup-expired-content":"Temukan lebih banyak promosi di Aplikasi Binance hari ini","learn-and-earn-active-popup-expired-cta-button":"Unduh Aplikasi Binance","learn-and-earn-active-popup-expired-title":"Reward Anda telah kedaluwarsa","learn-and-earn-active-popup-kyc-refused-content":"Selesaikan Verifikasi Identitas untuk mengeklaim reward Anda","learn-and-earn-active-popup-kyc-refused-countdown":"Verifikasi Identitas gagal. Kirim ulang dalam {{countdown}} untuk mengeklaim reward Anda","learn-and-earn-active-popup-kyc-refused-cta-button":"Kirim ulang Verifikasi","learn-and-earn-active-popup-kyc-refused-step2":"Verifikasi Identitas gagal. Silakan kirim ulang","learn-and-earn-active-popup-kyc-refused-title":"Anda masih bisa mendapatkannya","learn-and-earn-active-popup-kyc-required-content":"Terima kasih telah mendaftar di Binance","learn-and-earn-active-popup-kyc-required-countdown":"Selesaikan Verifikasi Identitas dalam {{countdown}} untuk mengeklaim reward Anda","learn-and-earn-active-popup-kyc-required-cta-button":"Verifikasi Sekarang","learn-and-earn-active-popup-kyc-required-step2":"Selesaikan Verifikasi Identitas","learn-and-earn-active-popup-kyc-required-title":"Reward Anda menunggu","learn-and-earn-active-popup-kyc-review-content":"Anda akan menerima reward setelah Verifikasi Identitas Anda selesai","learn-and-earn-active-popup-kyc-review-cta-button":"Periksa Status Verifikasi","learn-and-earn-active-popup-kyc-review-step2":"Verifikasi Identitas sedang ditinjau","learn-and-earn-active-popup-kyc-review-title":"{{income}} {{asset}} gratis Anda hampir siap","learn-and-earn-active-popup-registered-disclaimer":"Untuk informasi lebih lanjut, silakan merujuk ke {{terms}}.","learn-and-earn-active-popup-risk-passed-content":"Selamat! Reward Anda telah dikreditkan ke akun Anda. Untuk menebus reward voucher token, masuk ke akun Anda dan kunjungi ke Pusat Reward.","learn-and-earn-active-popup-risk-passed-cta-button":"Klaim reward Anda","learn-and-earn-active-popup-risk-passed-title":"Reward {{income}} {{asset}} gratis Anda sudah siap","learn-and-earn-active-popup-risk-review-content":"Klaim reward Anda segera. Unduh Aplikasi Binance sekarang untuk menemukan lebih banyak promosi selagi menunggu.","learn-and-earn-active-popup-risk-review-cta-button":"Unduh Aplikasi Binance","learn-and-earn-active-popup-risk-review-title":"Reward Anda hampir siap","learn-and-earn-active-popup-risk-suspended-content":"Terdapat kesalahan pada akun Anda. Unduh Aplikasi Binance untuk informasi lebih lanjut","learn-and-earn-active-popup-risk-suspended-cta-button":"Unduh Aplikasi Binance","learn-and-earn-active-popup-risk-suspended-title":"Anda tidak memenuhi syarat untuk mendapatkan reward","learn-and-earn-course-eligible-notification-text":"Reward kursus ini tidak tersedia untuk negara/wilayah Anda.","learn-and-earn-course-not-rewarded":"Hasilkan {{rewards}}","learn-and-earn-course-quiz-button":"Mulai Kuis","learn-and-earn-course-quiz-button-tip":"Anda harus menyelesaikan seluruh kursus terlebih dahulu.","learn-and-earn-course-quiz-button-tip-before-kyc":"Selesaikan semua kursus dan verifikasi akun Anda untuk memulai kuis.","learn-and-earn-course-reward-all-redeemed":"Semua reward telah ditebus. Nantikan terus!","learn-and-earn-course-rewarded":"{{rewards}} telah Diberikan","learn-and-earn-course-staking-not-rewarded":"Hasilkan total reward Staking {{rewards}}","learn-and-earn-course-staking-reward-apy":"APR","learn-and-earn-course-staking-reward-daily-amount":"Estimasi Bunga","learn-and-earn-course-staking-reward-daily-suffix":"/hari","learn-and-earn-course-staking-reward-duration":"Durasi","learn-and-earn-course-staking-reward-principal":"Reward Pokok","learn-and-earn-course-staking-reward-tip":"Pokok dan pendapatan harian yang dapat diterima","learn-and-earn-course-staking-rewarded":"Total reward Staking {{rewards}} diberikan","learn-and-earn-entry-cta-button":"Mulai","learn-and-earn-entry-desc":"Bangun pengetahuan blockchain Anda, selesaikan kuis, dan hasilkan kripto gratis.","learn-and-earn-entry-title":"Hasilkan Kripto dengan mempelajari blockchain","learn-and-earn-floating-button":"Pelajari dan dapatkan {{income}} {{asset}} gratis","learn-and-earn-floating-button-expired":"{{income}} {{asset}} telah kedaluwarsa","learn-and-earn-floating-button-kyc-refused":"{{income}} {{asset}} gratis Anda menunggu","learn-and-earn-floating-button-kyc-required":"Klaim {{income}} {{asset}} gratis Anda hari ini","learn-and-earn-floating-button-kyc-review":"{{income}} {{asset}} gratis Anda hampir siap","learn-and-earn-floating-button-qualified":"Klaim reward {{income}} {{asset}} gratis Anda hari ini","learn-and-earn-floating-button-risk-passed":"Reward {{income}} {{asset}} gratis Anda sudah siap","learn-and-earn-floating-button-risk-review":"{{income}} {{asset}} gratis Anda hampir siap","learn-and-earn-floating-button-risk-suspended":"Maaf, Anda tidak memenuhi syarat untuk mendapatkan reward","learn-and-earn-kyc-notification-text":"Kuis tidak akan muncul pada akhir kursus ini karena reward tidak tersedia bagi pengguna di negara/wilayah Anda.","learn-and-earn-landing-course-cta-button":"Mulai Belajar","learn-and-earn-landing-desc":"Bangun pengetahuan blockchain Anda, selesaikan kuis, dan hasilkan kripto gratis.","learn-and-earn-landing-disclaimer":"Penafian: Silakan masuk untuk memeriksa apakah Anda memenuhi syarat untuk aktivitas ini.","learn-and-earn-landing-history-button":"Riwayat Reward","learn-and-earn-landing-kyc-notification-cta-button":"Verifikasi Sekarang \u003e","learn-and-earn-landing-kyc-notification-text":"Untuk dapat mengeklaim reward, Anda harus menyelesaikan Verifikasi Pribadi terlebih dahulu.","learn-and-earn-landing-risk-control-notification-cta-button":"Pelajari selengkapnya \u003e","learn-and-earn-landing-risk-control-notification-text":"Anda mungkin tidak memenuhi syarat untuk aktivitas ini karena akun Anda gagal lulus penilaian risiko kami.","learn-and-earn-landing-rules-button":"Aturan Aktivitas","learn-and-earn-landing-seo-desc":"Dapatkan pengetahuan dengan cara yang menyenangkan dan aman bersama dengan platform pendidikan kripto terkemuka di dunia.","learn-and-earn-landing-seo-title":"Hasilkan Kripto dengan Mempelajari Tentang Blockchain","learn-and-earn-landing-title":"Hasilkan kripto gratis melalui pembelajaran","learn-and-earn-login-and-need-kyc-after":"Kuis dan reward ini hanya memenuhi syarat untuk pengguna KYC baru.","learn-and-earn-login-and-need-kyc-before":"Kuis dan reward ini hanya memenuhi syarat untuk pengguna KYC lama.","learn-and-earn-login-and-need-register-after":"Kuis dan reward ini hanya memenuhi syarat untuk pengguna baru.","learn-and-earn-login-and-need-register-before":"Kuis dan reward ini hanya memenuhi syarat untuk pengguna lama.","learn-and-earn-login-and-not-available-country":"Kuis dan reward ini tidak tersedia di negara Anda.","learn-and-earn-login-and-staking-reward-not-compliance":"Anda tidak memenuhi syarat untuk promosi ini.","learn-and-earn-no-login-no-permission":"Silakan masuk untuk memeriksa kelayakan Anda.","learn-and-earn-not-qualified-dialog-button":"Saya mengerti","learn-and-earn-not-qualified-dialog-content":"Anda sudah terdaftar di Binance. Promosi ini hanya berlaku bagi pengguna baru.","learn-and-earn-not-qualified-dialog-title":"Maaf","learn-and-earn-passive-popup-button":"Klaim Sekarang","learn-and-earn-passive-popup-content":"Daftar di Binance dan selesaikan Verifikasi Identitas dalam {{duration}} untuk mengklaim reward","learn-and-earn-passive-popup-disclaimer":"Hanya berhak bagi pengguna Binance baru. Untuk informasi lebih lanjut, silakan merujuk ke {{terms}}.","learn-and-earn-passive-popup-heading":"{{income}} {{asset}}","learn-and-earn-passive-popup-terms":"Syarat dan Ketentuan","learn-and-earn-passive-popup-title":"Klaim {{income}} {{asset}} gratis Anda hari ini","learn-and-earn-quiz-back-dialog-cancel":"Batalkan","learn-and-earn-quiz-back-dialog-confirm":"Konfirmasi","learn-and-earn-quiz-back-dialog-content":"Progres kuis Anda akan hilang.","learn-and-earn-quiz-back-dialog-title":"Tutup Kuis?","learn-and-earn-quiz-back-title":"Detail kuis","learn-and-earn-quiz-completed":"Kuis Selesai","learn-and-earn-quiz-completed-cta-button":"Bagikan","learn-and-earn-quiz-completed-desc":"Terima kasih atas partisipasi Anda. Kami akan meninjau dan mengumumkan hasilnya melalui halaman Riwayat Reward. Anda dapat mengecek halaman tersebut {{hours}} jam dari sekarang. Untuk syarat/ketentuan lainnya, silakan klik \u003chere-link\u003edi sini\u003c/here-link\u003e.","learn-and-earn-quiz-completed-desc-1":"Selamat! Reward Anda sedang diproses. Anda dapat memeriksa riwayat reward Anda untuk melihat statusnya.","learn-and-earn-quiz-completed-desc-2":"Atau Anda dapat memeriksa reward Anda di Pusat Reward dalam waktu {{hours}} jam.","learn-and-earn-quiz-completed-staking-desc-1":"Selamat! Reward Anda sedang diproses. Anda dapat memeriksa riwayat reward Anda untuk melihat statusnya.","learn-and-earn-quiz-completed-staking-desc-2":"Atau Anda dapat memeriksa reward Anda di Earn dalam waktu {{hours}} jam.","learn-and-earn-quiz-earn-center-link":"Pusat Earn","learn-and-earn-quiz-incomplete":"Kuis Gagal","learn-and-earn-quiz-incomplete-cta-button":"Ulangi Kuis","learn-and-earn-quiz-incomplete-desc":"Untuk membuka reward kursus ini, Anda harus menjawab semua pertanyaan dengan benar. Silakan coba lagi.","learn-and-earn-quiz-muti":"(Pilih semua yang sesuai)","learn-and-earn-quiz-next-question":"Pertanyaan Berikutnya","learn-and-earn-quiz-question":"Pertanyaan","learn-and-earn-quiz-result-all-redeemed-desc":"Lihat kursus lain untuk memeriksa reward yang tersedia.","learn-and-earn-quiz-result-all-redeemed-title":"Semua reward telah ditebus","learn-and-earn-quiz-reward-center-link":"Pusat Reward","learn-and-earn-quiz-share-staking-subtitle":"Saya menghasilkan total reward staking {{reward}} dengan APR {{apy}} setelah menyelesaikan kursus ini! Hasilkan milikmu sekarang!","learn-and-earn-quiz-share-subtitle":"Saya menghasilkan {{amount}} dari menyelesaikan kursus ini. Mari hasilkan bersama!","learn-and-earn-quiz-share-subtitle2":"Saya menghasilkan {{amount}} dan {{total}} reward lainnya dari menyelesaikan kursus ini. Mari hasilkan bersama!","learn-and-earn-quiz-share-title":"Binance Learn \u0026 Earn","learn-and-earn-quiz-single":"(Pilih jawaban terbaik)","learn-and-earn-quiz-submit":"Kirim","learn-and-earn-quiz-view-courses-link":"Lihat kursus lainnya","learn-and-earn-quiz-viewResult":"Lihat Hasil","learn-and-earn-restricted-region-cta":"Lihat Kursus","learn-and-earn-restricted-region-desc":"Kursus ini tidak tersedia di wilayah Anda. Silakan jelajahi kursus lain.","learn-and-earn-reward-empty":"Default: if Reward else kosong.","learn-and-earn-reward-history-button":"Mulai Belajar","learn-and-earn-reward-history-method-cash-voucher":"Voucher Tunai","learn-and-earn-reward-history-method-crypto":"Kripto","learn-and-earn-reward-history-method-locked-staking":"Staking Terkunci","learn-and-earn-reward-history-nodata":"Tidak ada data","learn-and-earn-reward-history-notEligible":"Tidak memenuhi syarat","learn-and-earn-reward-history-processing":"Memproses","learn-and-earn-reward-history-processing-tips":"Hasil kampanye sedang ditinjau saat ini. Hasil akan tersedia {{hours}} jam dari sekarang. Untuk syarat/ketentuan lainnya, silakan klik \u003chere-link\u003edi sini\u003c/here-link\u003e.","learn-and-earn-reward-history-th1":"Nama Kursus","learn-and-earn-reward-history-th2":"Reward","learn-and-earn-reward-history-th3":"Jenis Reward","learn-and-earn-reward-history-th4":"Tanggal Diberi Reward","learn-and-earn-reward-history-tips":"Reward tidak dapat didistribusikan karena alasan pengendalian risiko.","learn-and-earn-reward-history-title":"Riwayat Reward","learn-and-earn-risk-control-notification-btn":"Banding","learn-and-earn-risk-control-notification-text":"Sayangnya, Anda telah melanggar Ketentuan Penggunaan Binance sehingga tidak dapat mengikuti kuis atau menerima reward.","learn-and-earn-sub-account-limitation":"Sub-akun tidak memenuhi syarat untuk berpartisipasi atau menerima reward apa pun.","learn-and-earn-subaccount-notification-text":"Kuis tidak akan muncul pada bagian akhir karena Anda masuk dengan sub-akun","learn-and-earn-tag-text-ended":"Berakhir","learn-and-earn-tag-text-ongoing":"Berlangsung","learn-and-earn-taken-course-before":"Anda telah mengambil kursus ini sebelumnya. Silakan jelajahi kursus lain.","learn-and-earn-title":"Learn \u0026 Earn","learn-and-earn-view-other-course":"Lihat kursus lainnya","learn_and_earn_not_eligible_to_claim_rewards":"Maaf, Anda tidak memenuhi syarat untuk promosi ini. Lihat aturan promosi untuk detail selengkapnya.","learn_and_earn_not_eligible_to_claim_rewards_homepage":"Anda tidak memenuhi syarat untuk promosi ini. Harap periksa aturannya.","learn_and_earn_not_eligible_to_claim_rewards_staking":"Kuis dan reward ini hanya berlaku bagi pengguna yang tidak memiliki catatan Staking sebelumnya.","learn_and_earn_reward-empty":"Default: if Reward else kosong","navigation-dashboard":"Dasbor","navigation-login":"Masuk","navigation-logout":"Keluar","navigation-register":"Daftar","navigation-unverified":"Tidak terverifikasi","navigation-verified":"Terverifikasi","partner-become-partner":"Jadi mitra","partner-contact-us-button":"Hubungi kami","partner-contact-us-desc":"Dapatkan info kripto terbaru yang dikirimkan ke email Anda, setiap minggu.","partner-contact-us-title":"Butuh informasi lebih?","partner-educate-joint-effort-title":"Upaya bersama untuk mengedukasi, melibatkan \u0026 memberdayakan pelajar di Web3","partner-headline-title":"Dorong masa depan kripto dengan edukasi Web3 hari ini","partner-hear-from-partner":"Dengarkan dari Mitra \u0026 Pelajar kami","partner-hear-from-partner-author1- introduce":"Mahasiswa Magister, HEC Paris","partner-hear-from-partner-author1-introduce":"Mahasiswa Magister, HEC Paris","partner-hear-from-partner-author2- introduce":"CEO, Treccani Futura","partner-hear-from-partner-author2-introduce":"CEO, Treccani Futura","partner-hear-from-partner-desc1":"Inisiatif Edukasi Global Binance Academy sangat bermanfaat bagi saya sebagai seorang pelajar. Saya sudah belajar banyak dari webinar/lokakarya mereka. Mereka benar-benar menumbuhkan lingkungan belajar kripto untuk para pelajar.... Kami sangat senang atas misi mereka untuk menghadirkan edukasi kripto yang dapat diakses oleh semua orang, dan berharap dapat berkolaborasi dengan mereka dalam kursus \u0026 program blockchain di masa mendatang.","partner-hear-from-partner-desc2":"Memahami situasi masa kini dan masa depan di ruang fintech adalah kebutuhan bagi kaum muda. Bersama dengan Binance Academy, kami fokus untuk membawa lebih banyak kesadaran ke Web3 \u0026 blockchain di universitas kami. Italia berfokus pada \"Keuangan Masa Depan\" dan menjadi bagian dari Inisiatif Edukasi Global Binance membantu kami mewujudkan ambisi ini.","partner-hero- description":"Binance Academy menawarkan sarana dan sumber daya untuk meningkatkan keterampilan dan mengembangkan organisasi Anda. Jadilah mitra dan dapatkan akses ke semua sarana ini dan banyak hal lainnya.","partner-hero-button":"DAFTAR SEKARANG","partner-hero-desc-1":"Binance Academy menyediakan pendidikan gratis \u0026 terlokalisasi tentang teknologi blockchain. Misi kami adalah untuk mengedukasi dunia tentang blockchain dan potensi dari Web3.","partner-hero-desc-2":"Bergabung dengan program Duta Pelajar Binance untuk mendorong adopsi dan edukasi kripto di tempat Anda!","partner-hero-description":"Binance Academy menawarkan sarana dan sumber daya untuk meningkatkan keterampilan dan mengembangkan organisasi Anda. Jadilah mitra dan dapatkan akses ke semua sarana ini dan banyak lagi.","partner-hero-title":"Bermitra dengan kami untuk mengedukasi dunia tentang Web3.","partner-institutions":"Institusi","partner-landing-info-desc1-1":"Kursus Blockchain, kripto, \u0026 Web3 dengan sertifikat karier","partner-landing-info-desc1-2":"Hackathon \u0026 bimbingan untuk pelajar","partner-landing-info-desc1-3":"Daftarkan institusi Anda di program Duta Pelajar kami","partner-landing-info-desc1-4":"Lokakarya \u0026 webinar gratis","partner-landing-info-desc2-1":"Bantu sebarkan pengetahuan tentang Web3 kepada rekan-rekan Anda di kampus","partner-landing-info-desc2-2":"Mulai karier Web3 Anda dengan pelatihan \u0026 sertifikasi","partner-landing-info-desc2-3":"Undangan acara eksklusif \u0026 peluang berjejaring","partner-landing-info-desc2-4":"Dapatkan eksposur ke bisnis \u0026 kemitraan Web3","partner-landing-info-desc3-1":"Kami menawarkan konten dasar untuk pemula","partner-landing-info-desc3-2":"Perpustakaan sumber daya kripto yang luas untuk memperdalam pengetahuan","partner-landing-info-desc3-3":"Kurikulum tingkat lanjut dan sertifikasi karier blockchain","partner-landing-info-desc3-4":"Kembangkan kurikulum dan kursus bersama dengan tim kami","partner-landing-info-desc4-1":"Latih tenaga kerja Anda dengan keterampilan yang dibutuhkan dalam Web3","partner-landing-info-desc4-2":"Dukung komunitas yang kurang mampu dengan teknologi blockchain","partner-landing-info-desc4-3":"Saran dari pakar untuk pembuatan kebijakan edukasi kripto \u0026 blockchain","partner-landing-info-desc4-4":"Tersedia dalam berbagai bahasa","partner-landing-info-subtitle1":"Berdayakan Kampus \u0026 Komunitas Anda","partner-landing-info-subtitle2":"Ikuti Program Duta Pelajar Binance","partner-landing-info-subtitle3":"Pastikan para pelajar Anda siap memasuki Web3","partner-landing-info-subtitle4":"Bekerja sama untuk membantu meningkatkan edukasi blockchain","partner-landing-info-title1":"Universitas \u0026 Sekolah Tinggi","partner-landing-info-title2":"Platform Pembelajaran Online","partner-landing-info-title3":"Pemerintah \u0026 NGO","partner-partnership":"Kemitraan","partner-student-ambassador":"Duta Pelajar","partner-student-angel":"Jadi Duta Pelajar","partner-student-angel-benefits":"Keuntungan Duta Pelajar","partner-student-angel-benefits-icon-text1":"Undangan Eksklusif ke Berbagai Acara","partner-student-angel-benefits-icon-text2":"Berjejaring \u0026 Bimbingan","partner-student-angel-benefits-icon-text3":"SWAG \u0026 merchandise eksklusif","partner-student-angel-benefits-icon-text4":"Peluang Magang \u0026 Pekerjaan","partner-student-angel-benefits-icon-text5":"Pelatihan dan Sertifikat Web3","partner-student-angel-why-apply":"Mengapa Anda harus mendaftar?","partner-student-angel-why-apply-card1-desc":"Jadilah juara kampus Anda di bidang kripto. Terhubung dengan pelajar lain yang punya semangat yang sama tentang blockchain dan Web3 dan bantu sebarkan pengetahuan tentang teknologi ke semua teman Anda.","partner-student-angel-why-apply-card1-title":"Buat Perubahan","partner-student-angel-why-apply-card2-desc":"Program ini akan terlihat bagus di setiap resume. Kembangkan keterampilan Anda dan bangun reputasi sebagai pelopor Web3. Awali karier Anda dengan pelatihan dan sertifikasi, dukungan untuk acara virtual, dan akses unik ke para pakar dan mentor.","partner-student-angel-why-apply-card2-title":"Prospek Karier Masa Depan","partner-student-angel-why-apply-card3-desc":"Jadilah pemimpin dalam komunitas teknologi lokal dan berdayakan rekan Anda di kampus. Selenggarakan acara Web3, tawarkan bimbingan kepada pelajar lain, dan dapatkan eksposur ke bisnis Web3 dan peluang sponsor.","partner-student-angel-why-apply-card3-title":"Pengalaman Kepemimpinan","partner-we-work-government":"Pemerintah","partner-we-work-k12":"K12","partner-we-work-ngo":"LSM","partner-we-work-ole":"Platform Pembelajaran Online","partner-we-work-title":"Yang bekerja sama dengan kami","partner-we-work-university":"Universitas","partner-we-work-vcs":"Sekolah Vokasi","share-poster-dialogTitle":"Bagikan","share-poster-download":"Unduh","share-poster-share":"Bagikan","test":"test"}},"initialTheme":0,"isReferralApi":"false","courseMenu":[{"resourceKey":"Academy","name":"Academy","trackList":[{"resourceKey":"beginner-track","name":"Tingkat Pemula"}]},{"resourceKey":"University-Course","name":"University Course","trackList":[{"resourceKey":"blockchain-mastery-from-fundamentals-to-advanced-corporate-solutions","name":"Blockchain Mastery"},{"resourceKey":"blockchain-and-p2p-fundamentals","name":"Blockchain and P2P Fundamentals"},{"resourceKey":"digital-assets-and-blockchain-industry","name":"Digital Assets and Blockchain Industry"}]}]},"8e17":{"article":{"id":762,"title":"Apakah itu Fractional Reserve?","slug":"what-is-fractional-reserve","meta":"Pembelajaran mengenai Fractional Reserve (Cadangan Fraksional) yang diterapkan di banyak negara dan bank sentral, dan bagaimana perbankan memanfaatkannya","image":{"original":"uploads-original/WvdCOr1ca81dTILXRGsX.png","optimized":"uploads/WvdCOr1ca81dTILXRGsX.png","thumbnail":"uploads-thumbnails/WvdCOr1ca81dTILXRGsX.png"},"content":"\u003cp dir=\"ltr\"\u003eCadangan fraksional (Fractional Reserve) adalah sebuah sistem perbankan yang mengizinkan bank komersial untuk mendapatkan keuntungan dengan meminjamkan sebagian dari deposito pelanggannya, dan hanya sebagian dari deposito tersebut disimpan dalam bentuk cash dan tersedia untuk penarikan. Praktisnya, sistem perbankan membuat uang yang dari tidak ada menggunakan persentase dari deposito nasabah bank tersebut.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eDalam kata lain, bank tersebut dibutuhkan untuk menyimpan sebuah persentase minimum (sebagian) dari uang yang didepositokan ke dalam akun finansial mereka, yang berarti mereka dapat meminjamkan sisa uang tersebut. Pada saat bank memberikan pinjaman, keduanya, bank dan peminjam menganggap uang tersebut sebagai aset, dan menggandakan jumlah orisinil dalam perekonomian. Mata uang ini lalu dipakai kembali, diinvestasikan kembali, dan dipinjamkan lagi untuk beberapa kali, yang membawa ke sebuah efek multiplikasi, dan ini bagaimana cadangan perbankan fraksional \u0026ldquo;membuat uang\u0026rdquo;.\u003c/p\u003e\u003cp dir=\"ltr\"\u003ePeminjaman dan perhutangan adalah bagian dari sistem cadangan perbankan fraksional dan seringkali membutuhkan sebuah bank sentral untuk menaruh mata uang ke dalam sirkulasi, sehingga bank komersial dapat menyediakan penarikan. Kebanyakan bank sentral juga berlaku sebagai agensi regulasi yang menentukan, cadangan minimum yang dibutuhkan. Ini merupakan sebuah praktek yang lazim di Amerika Serikat dan negara-negara perdagangan bebas lainnya.\u003c/p\u003e\u003ch3 dir=\"ltr\"\u003e\u003cbr\u003e\u003c/h3\u003e\u003ch3 dir=\"ltr\"\u003ePembuatan Sistem Perbankan Cadangan Fraksional\u003c/h3\u003e\u003cp dir=\"ltr\"\u003eSistem cadangan perbankan fraksional dibuat pada tahun 1668 pada saat Swedish (Sveriges) Riksbank dibangun sebagai bank sentral pertama di dunia - akan tetapi bentuk primitif dari perbankan cadangan fraksional juga sudah dipakai. Idenya adalah uang deposito dapat berkembang dan berekspansi, menstimulasi ekonomi melalui pinjaman, dan ini dengan cepat menjadi sangat populer. Ini masuk di akal untuk menggunakan sumber daya yang ada untuk mendorong penggunaan, dibandingkan menyimpannya dalam brankas.\u0026nbsp;\u003c/p\u003e\u003cp dir=\"ltr\"\u003eSetelah Swedia membuat langkah ini menjadi lebih resmi, struktur cadangan fraksional terbangun dan menyebar dengan cepat. Dua bank sentral dibangun pada Amerika pada tahun 1791 dan selanjutnya pada 1816, akan tetapi bank tersebut tidak bertahan. Pada tahun 1913, Undang-Undang Cadangan Federal menciptakan Federal Reserve Bank, yang sekarang menjadi Bank Sentral Amerika Serikat. Objektif dari institusi finansial ini adalah untuk menstabilisasi, memaksimalkan, dan mengawasi perekonomian terhadap harga, lowongan pekerjaan, dan rasio bunga.\u003cbr\u003e\u003cbr\u003e\u003c/p\u003e\u003ch3 dir=\"ltr\"\u003eBagaimana cara kerjanya?\u003c/h3\u003e\u003cp dir=\"ltr\"\u003ePada saat seorang nasabah mendepositokan uangnya pada akun bank mereka, uang tersebut tidak secara langsung menjadi milik nasabah tersebut, tidak secara langsung. Bank pilihan nasabah yang memiliki uangnya, dan sebagai imbalannya, mereka membuatkan sebuah akun deposito dimana mereka dapat menarik uangnya tersebut. Ini berarti nasabah dari bank tersebut memiliki hak untuk menarik uangnya kapanpun., dengan peraturan yang berlaku pada bank tersebut. Akan tetapi, pada saat bank mengambil uang yang didepositokan tersebut, bank tidak mengambil seluruh deposito tersebut, dan hanya sebagian persentase yang dicadangkan (cadangan fraksional). Nominal cadangan ini hanya berkisar antara 3% - 10% dan sisanya digunakan untuk memberikan pinjaman kepada nasabah lainnya.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp dir=\"ltr\"\u003eBayangkan bagaimana pinjaman ini membuat uang yang baru dengan contoh sederhana sebagai berikut:\u003c/p\u003e\u003col\u003e\u003cli dir=\"ltr\"\u003eNasabah A mendepositokan $50.000 di Bank 1. Bank 1 meminjamkan nasabah B $45.000\u003c/li\u003e\u003cli dir=\"ltr\"\u003eNasabah B mendepositokan $45.000 di Bank 2. Bank 2 meminjamkan nasabah C $40.500\u003c/li\u003e\u003cli dir=\"ltr\"\u003eNasabah C mendepositokan $40.500 di Bank 3. Bank 3 meminjamkan nasabah D $36.450\u003c/li\u003e\u003cli dir=\"ltr\"\u003eNasabah D mendepositokan $36450 di Bank 4. Bank 4 meminjamkan nasabah E $32.805\u003c/li\u003e\u003cli dir=\"ltr\"\u003eNasabah E mendepositokan $32.805 di Bank 5. Bank 5 meminjamkan nasabah F $29.525\u003c/li\u003e\u003c/ol\u003e\u003cp dir=\"ltr\"\u003eDengan cadangan fraksional hanya membutuhkan 10% dari nominal awal, deposito awal sebanyak $50.000, \u0026nbsp; telah berkembang menjadi $234.280 total tersedia, di jumlah dari total deposito semua nasabah plus $29.525. Walaupun ini hanya merupakan contoh sederhana untuk bagaimana cadangan perbankan fraksional membuat uang melalui efek multiplikasi, ini memberikan ide dasar.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eMohon dicatat bahwa proses ini berdasarkan dengan prinsip hutang. Akun deposito merepresentasikan uang yang Bank berhutang kepada nasabah (liabilitas) dan penerimaan bunga hutang menjadi pendapatan terbesar untuk bank-bank, dan mereka adalah aset bank. Secara sederhana, bank membuat uang dengan cara membuat lebih banyak aset akun hutang dibandingkan dengan liabilitas akun deposito.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003ch3 dir=\"ltr\"\u003eBagaimana dengan Bank Run?\u003c/h3\u003e\u003cp dir=\"ltr\"\u003eApakah yang terjadi apabila semua orang yang mendepositokan uangnya pada sebuah bank memutuskan untuk menarik semua uangnya? Inilah yang dikenal sebagai Bank Run dan dikarenakan bank hanya dibutuhkan untuk memegang sebagian kecil dari deposito nasabahnya, ini akan menyebabkan bank untuk jatuh dikarenakan kegagalannya untuk memenuhi obligasi finansialnya.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eUntuk sistem perbankan cadangan fraksional dapat bekerja, sangatlah penting untuk seluruh mengambil uangnya pada waktu yang bersamaan. Walaupun Bank Run sudah pernah terjadi di masa lalu, umumnya ini bukan bagaimana nasabah berperilaku. Umumnya, nasabah hanya mencoba untuk mengambil semua uangnya jika mereka percaya bahwa bank tersebut dalam masalah.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eDepresi Besar Amerika Serikat adalah salah satu contoh terburuk untuk akibat dari penarikan keseluruhan pada waktu yang bersamaan. Sekarang ini, cadangan yang dipegang oleh bank adalah salah satu cara mereka meminimalisir terulangnya kejadian tersebut. Beberapa bank memegang lebih dari apa yang dibutuhkan sebagai cadangan untuk memenuhi kebutuhan nasabah mereka dan memberikan akses kepada dana di akun deposito mereka.\u003cbr\u003e\u003cbr\u003e\u003c/p\u003e\u003ch3 dir=\"ltr\"\u003eKeuntungan dan kerugian dari Cadangan Perbankan Fraksional\u003c/h3\u003e\u003cp dir=\"ltr\"\u003eWalaupun bank yang menikmati paling banyak keuntungan dari sistem yang sangat menggiurkan ini, masih ada keuntungan kecil yang dapat dinikmati oleh nasabah bank, adalah bunga deposito. Pemerintah juga menjadi bagian dari skema ini dan seringkali membela bahwa sistem cadangan perbankan fraksional tersebut mendorong penggunaan dan membawa kestabilan dan pertumbuhan bagi ekonomi.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eDi sisi lainnya, banyak ahli ekonomi percaya bahwa skema cadangan fraksional tidak dapat dijaga dan sangat beresiko - terutama jika kita mempertimbangkan sistem keuangan saat ini, yang diimplementasikan oleh banyak negara, adalah berdasarkan oleh kredit/hutang dan bukan dengan uang yang sesungguhnya. Sistem perekonomian yang kita miliki sekarang bergantung dengan sebuah kondisi dimana nasabah mempercayai bank dan mata uang fiat, yang terjadi di atas sebuah tender hukum oleh pemerintah.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003ch3 dir=\"ltr\"\u003eCadangan Perbankan Fraksional dan Mata Uang DIgital\u003c/h3\u003e\u003cp dir=\"ltr\"\u003eterbalik dengan sistem mata uang fiat tradisional, Bitcoin diciptakan sebagai mata uang digital terdesentralisasi, melahirkan sebuah ruang kerja alternatif untuk perekonomian yang bekerja dengan cara yang sangat berbeda.\u0026nbsp;\u003c/p\u003e\u003cp dir=\"ltr\"\u003eSeperti layaknya \u003ca href=\"https://academy.binance.me/id/articles/what-is-cryptocurrency\" rel=\"noopener noreferrer\" target=\"_blank\"\u003emata uang digital\u003c/a\u003e lainnya, Bitcoin dijaga oleh sebuah jaringan node cryptography. Semua data dilindungi oleh bukti cryptography dan terekam pada sebuah buku kas terdistribusi yang disebut dengan \u003ca href=\"https://academy.binance.me/id/articles/history-of-blockchain\" rel=\"noopener noreferrer\" target=\"_blank\"\u003eblockchain\u003c/a\u003e. Ini berarti tidak dibutuhkannya sebuah sentral bank dan tidak ada otoritas yang bertugas.\u003c/p\u003e\u003cp dir=\"ltr\"\u003eDan juga, penerbitan Bitcoin adalah terbatas dan tidak akan ada pembuatan setelah 21 juta bitcoin diterbitkan. Maka dari itu, konteks yang kita pakai jauh berbeda dan tidak ada cadangan fraksional dalam dunia Bitcoin dan Mata Uang Digital.\u003c/p\u003e","content_json":"{\"layout\":{\"root\":[\"ViewInstance0\"],\"ViewInstance0\":[\"51f0be11-647c-4d20-bc92-2eef6a355de8\",\"6384cf4c-3b2a-40b6-a4e7-8e335832619b\",\"9cf278a4-d3af-41ba-b785-66a7149cfae7\",\"543adcd5-47e4-48c0-82c2-5d62e90df629\",\"687dba90-1758-4ede-81ea-234868cd21d6\",\"4976a200-476b-4619-a79f-6eccb77a0084\",\"57f87a23-5ae1-409d-8c80-459b3b58a733\",\"f44e686b-4a2b-4921-9666-e61925484e5e\",\"86043f88-dccf-42f0-95ff-01618d8815bf\",\"8a94cc11-fc24-4172-91f7-561d200228be\",\"d099c785-9416-49cd-9166-a6099d55732f\",\"07807f5d-7c5e-457a-b260-bd2607cbe486\",\"b86318dd-1f3c-45db-88a8-ef94b285a3c3\",\"2db1763c-fbac-42fb-b24a-573a064c9ae4\",\"e31ff061-f649-4e41-bf4b-4f8d6e64fdb3\",\"f16fa42a-a99e-4ac5-88d4-c466c0930709\",\"c6137a8a-8b9c-48f1-ac26-458716b4d97c\",\"85356fbd-ad0c-46ce-ab4c-17f4186122cc\",\"3c5bcf20-f6ac-4fb2-ae34-f9a30671164d\",\"a60937a5-ffd2-43e7-8e5d-e207ed238165\",\"cae12b67-5123-4591-ba5b-07c1bcc9fc98\",\"f1e3803c-87b2-449c-a3a2-d1a47b6d569b\",\"0b28e6fc-e17d-4362-8e0b-b9903f1457a2\",\"bb4fccf4-f4e8-4b8b-8883-86b0d046e877\",\"661a2f11-a667-4b1e-b0f4-1c2581499a35\",\"cf5716d0-8010-4ccb-a804-9d5165c73f4b\",\"3070b49c-0e92-48a5-a2c6-eb1cddb53a4f\"]},\"hash\":{\"ViewInstance0\":{\"id\":\"Fragment\"},\"51f0be11-647c-4d20-bc92-2eef6a355de8\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Cadangan fraksional (Fractional Reserve) adalah sebuah sistem perbankan yang mengizinkan bank komersial untuk mendapatkan keuntungan dengan meminjamkan sebagian dari deposito pelanggannya, dan hanya sebagian dari deposito tersebut disimpan dalam bentuk cash dan tersedia untuk penarikan. Praktisnya, sistem perbankan membuat uang yang dari tidak ada menggunakan persentase dari deposito nasabah bank tersebut.\",\"style\":{}}}],\"style\":{}}},\"6384cf4c-3b2a-40b6-a4e7-8e335832619b\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Dalam kata lain, bank tersebut dibutuhkan untuk menyimpan sebuah persentase minimum (sebagian) dari uang yang didepositokan ke dalam akun finansial mereka, yang berarti mereka dapat meminjamkan sisa uang tersebut. Pada saat bank memberikan pinjaman, keduanya, bank dan peminjam menganggap uang tersebut sebagai aset, dan menggandakan jumlah orisinil dalam perekonomian. Mata uang ini lalu dipakai kembali, diinvestasikan kembali, dan dipinjamkan lagi untuk beberapa kali, yang membawa ke sebuah efek multiplikasi, dan ini bagaimana cadangan perbankan fraksional “membuat uang”.\",\"style\":{}}}],\"style\":{}}},\"9cf278a4-d3af-41ba-b785-66a7149cfae7\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Peminjaman dan perhutangan adalah bagian dari sistem cadangan perbankan fraksional dan seringkali membutuhkan sebuah bank sentral untuk menaruh mata uang ke dalam sirkulasi, sehingga bank komersial dapat menyediakan penarikan. Kebanyakan bank sentral juga berlaku sebagai agensi regulasi yang menentukan, cadangan minimum yang dibutuhkan. Ini merupakan sebuah praktek yang lazim di Amerika Serikat dan negara-negara perdagangan bebas lainnya.\",\"style\":{}}}],\"style\":{}}},\"543adcd5-47e4-48c0-82c2-5d62e90df629\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextHardBreak\"}]}},\"687dba90-1758-4ede-81ea-234868cd21d6\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Pembuatan Sistem Perbankan Cadangan Fraksional\",\"style\":{}}}]}},\"4976a200-476b-4619-a79f-6eccb77a0084\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Sistem cadangan perbankan fraksional dibuat pada tahun 1668 pada saat Swedish (Sveriges) Riksbank dibangun sebagai bank sentral pertama di dunia - akan tetapi bentuk primitif dari perbankan cadangan fraksional juga sudah dipakai. Idenya adalah uang deposito dapat berkembang dan berekspansi, menstimulasi ekonomi melalui pinjaman, dan ini dengan cepat menjadi sangat populer. Ini masuk di akal untuk menggunakan sumber daya yang ada untuk mendorong penggunaan, dibandingkan menyimpannya dalam brankas. \",\"style\":{}}}],\"style\":{}}},\"57f87a23-5ae1-409d-8c80-459b3b58a733\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Setelah Swedia membuat langkah ini menjadi lebih resmi, struktur cadangan fraksional terbangun dan menyebar dengan cepat. Dua bank sentral dibangun pada Amerika pada tahun 1791 dan selanjutnya pada 1816, akan tetapi bank tersebut tidak bertahan. Pada tahun 1913, Undang-Undang Cadangan Federal menciptakan Federal Reserve Bank, yang sekarang menjadi Bank Sentral Amerika Serikat. Objektif dari institusi finansial ini adalah untuk menstabilisasi, memaksimalkan, dan mengawasi perekonomian terhadap harga, lowongan pekerjaan, dan rasio bunga.\",\"style\":{}}},{\"id\":\"RichTextHardBreak\"},{\"id\":\"RichTextHardBreak\"}],\"style\":{}}},\"f44e686b-4a2b-4921-9666-e61925484e5e\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Bagaimana cara kerjanya?\",\"style\":{}}}]}},\"86043f88-dccf-42f0-95ff-01618d8815bf\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Pada saat seorang nasabah mendepositokan uangnya pada akun bank mereka, uang tersebut tidak secara langsung menjadi milik nasabah tersebut, tidak secara langsung. Bank pilihan nasabah yang memiliki uangnya, dan sebagai imbalannya, mereka membuatkan sebuah akun deposito dimana mereka dapat menarik uangnya tersebut. Ini berarti nasabah dari bank tersebut memiliki hak untuk menarik uangnya kapanpun., dengan peraturan yang berlaku pada bank tersebut. Akan tetapi, pada saat bank mengambil uang yang didepositokan tersebut, bank tidak mengambil seluruh deposito tersebut, dan hanya sebagian persentase yang dicadangkan (cadangan fraksional). Nominal cadangan ini hanya berkisar antara 3% - 10% dan sisanya digunakan untuk memberikan pinjaman kepada nasabah lainnya.\",\"style\":{}}}],\"style\":{}}},\"8a94cc11-fc24-4172-91f7-561d200228be\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextHardBreak\"}],\"style\":{}}},\"d099c785-9416-49cd-9166-a6099d55732f\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Bayangkan bagaimana pinjaman ini membuat uang yang baru dengan contoh sederhana sebagai berikut:\",\"style\":{}}}],\"style\":{}}},\"07807f5d-7c5e-457a-b260-bd2607cbe486\":{\"id\":\"RichTextList\",\"config\":{\"listType\":\"ordered\",\"start\":1,\"content\":[{\"id\":\"RichTextListItem\",\"config\":{\"content\":[{\"id\":\"RichTextParagraph\",\"key\":null,\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Nasabah A mendepositokan $50.000 di Bank 1. Bank 1 meminjamkan nasabah B $45.000\",\"style\":{}}}],\"style\":{}}}]}},{\"id\":\"RichTextListItem\",\"config\":{\"content\":[{\"id\":\"RichTextParagraph\",\"key\":null,\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Nasabah B mendepositokan $45.000 di Bank 2. Bank 2 meminjamkan nasabah C $40.500\",\"style\":{}}}],\"style\":{}}}]}},{\"id\":\"RichTextListItem\",\"config\":{\"content\":[{\"id\":\"RichTextParagraph\",\"key\":null,\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Nasabah C mendepositokan $40.500 di Bank 3. Bank 3 meminjamkan nasabah D $36.450\",\"style\":{}}}],\"style\":{}}}]}},{\"id\":\"RichTextListItem\",\"config\":{\"content\":[{\"id\":\"RichTextParagraph\",\"key\":null,\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Nasabah D mendepositokan $36450 di Bank 4. Bank 4 meminjamkan nasabah E $32.805\",\"style\":{}}}],\"style\":{}}}]}},{\"id\":\"RichTextListItem\",\"config\":{\"content\":[{\"id\":\"RichTextParagraph\",\"key\":null,\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Nasabah E mendepositokan $32.805 di Bank 5. Bank 5 meminjamkan nasabah F $29.525\",\"style\":{}}}],\"style\":{}}}]}}]}},\"b86318dd-1f3c-45db-88a8-ef94b285a3c3\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Dengan cadangan fraksional hanya membutuhkan 10% dari nominal awal, deposito awal sebanyak $50.000, telah berkembang menjadi $234.280 total tersedia, di jumlah dari total deposito semua nasabah plus $29.525. Walaupun ini hanya merupakan contoh sederhana untuk bagaimana cadangan perbankan fraksional membuat uang melalui efek multiplikasi, ini memberikan ide dasar.\",\"style\":{}}}],\"style\":{}}},\"2db1763c-fbac-42fb-b24a-573a064c9ae4\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Mohon dicatat bahwa proses ini berdasarkan dengan prinsip hutang. Akun deposito merepresentasikan uang yang Bank berhutang kepada nasabah (liabilitas) dan penerimaan bunga hutang menjadi pendapatan terbesar untuk bank-bank, dan mereka adalah aset bank. Secara sederhana, bank membuat uang dengan cara membuat lebih banyak aset akun hutang dibandingkan dengan liabilitas akun deposito.\",\"style\":{}}}],\"style\":{}}},\"e31ff061-f649-4e41-bf4b-4f8d6e64fdb3\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextHardBreak\"}],\"style\":{}}},\"f16fa42a-a99e-4ac5-88d4-c466c0930709\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Bagaimana dengan Bank Run?\",\"style\":{}}}]}},\"c6137a8a-8b9c-48f1-ac26-458716b4d97c\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Apakah yang terjadi apabila semua orang yang mendepositokan uangnya pada sebuah bank memutuskan untuk menarik semua uangnya? Inilah yang dikenal sebagai Bank Run dan dikarenakan bank hanya dibutuhkan untuk memegang sebagian kecil dari deposito nasabahnya, ini akan menyebabkan bank untuk jatuh dikarenakan kegagalannya untuk memenuhi obligasi finansialnya.\",\"style\":{}}}],\"style\":{}}},\"85356fbd-ad0c-46ce-ab4c-17f4186122cc\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Untuk sistem perbankan cadangan fraksional dapat bekerja, sangatlah penting untuk seluruh mengambil uangnya pada waktu yang bersamaan. Walaupun Bank Run sudah pernah terjadi di masa lalu, umumnya ini bukan bagaimana nasabah berperilaku. Umumnya, nasabah hanya mencoba untuk mengambil semua uangnya jika mereka percaya bahwa bank tersebut dalam masalah.\",\"style\":{}}}],\"style\":{}}},\"3c5bcf20-f6ac-4fb2-ae34-f9a30671164d\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Depresi Besar Amerika Serikat adalah salah satu contoh terburuk untuk akibat dari penarikan keseluruhan pada waktu yang bersamaan. Sekarang ini, cadangan yang dipegang oleh bank adalah salah satu cara mereka meminimalisir terulangnya kejadian tersebut. Beberapa bank memegang lebih dari apa yang dibutuhkan sebagai cadangan untuk memenuhi kebutuhan nasabah mereka dan memberikan akses kepada dana di akun deposito mereka.\",\"style\":{}}},{\"id\":\"RichTextHardBreak\"},{\"id\":\"RichTextHardBreak\"}],\"style\":{}}},\"a60937a5-ffd2-43e7-8e5d-e207ed238165\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Keuntungan dan kerugian dari Cadangan Perbankan Fraksional\",\"style\":{}}}]}},\"cae12b67-5123-4591-ba5b-07c1bcc9fc98\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Walaupun bank yang menikmati paling banyak keuntungan dari sistem yang sangat menggiurkan ini, masih ada keuntungan kecil yang dapat dinikmati oleh nasabah bank, adalah bunga deposito. Pemerintah juga menjadi bagian dari skema ini dan seringkali membela bahwa sistem cadangan perbankan fraksional tersebut mendorong penggunaan dan membawa kestabilan dan pertumbuhan bagi ekonomi.\",\"style\":{}}}],\"style\":{}}},\"f1e3803c-87b2-449c-a3a2-d1a47b6d569b\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Di sisi lainnya, banyak ahli ekonomi percaya bahwa skema cadangan fraksional tidak dapat dijaga dan sangat beresiko - terutama jika kita mempertimbangkan sistem keuangan saat ini, yang diimplementasikan oleh banyak negara, adalah berdasarkan oleh kredit/hutang dan bukan dengan uang yang sesungguhnya. Sistem perekonomian yang kita miliki sekarang bergantung dengan sebuah kondisi dimana nasabah mempercayai bank dan mata uang fiat, yang terjadi di atas sebuah tender hukum oleh pemerintah.\",\"style\":{}}}],\"style\":{}}},\"0b28e6fc-e17d-4362-8e0b-b9903f1457a2\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextHardBreak\"}],\"style\":{}}},\"bb4fccf4-f4e8-4b8b-8883-86b0d046e877\":{\"id\":\"RichTextHeader\",\"config\":{\"tag\":\"h3\",\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Cadangan Perbankan Fraksional dan Mata Uang DIgital\",\"style\":{}}}]}},\"661a2f11-a667-4b1e-b0f4-1c2581499a35\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"terbalik dengan sistem mata uang fiat tradisional, Bitcoin diciptakan sebagai mata uang digital terdesentralisasi, melahirkan sebuah ruang kerja alternatif untuk perekonomian yang bekerja dengan cara yang sangat berbeda. \",\"style\":{}}}],\"style\":{}}},\"cf5716d0-8010-4ccb-a804-9d5165c73f4b\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Seperti layaknya \",\"style\":{}}},{\"id\":\"RichTextLink\",\"config\":{\"href\":\"https://academy.binance.me/id/articles/what-is-cryptocurrency\",\"target\":\"_blank\",\"content\":\"mata uang digital\",\"customEvents\":{}}},{\"id\":\"RichTextText\",\"config\":{\"content\":\" lainnya, Bitcoin dijaga oleh sebuah jaringan node cryptography. Semua data dilindungi oleh bukti cryptography dan terekam pada sebuah buku kas terdistribusi yang disebut dengan \",\"style\":{}}},{\"id\":\"RichTextLink\",\"config\":{\"href\":\"https://academy.binance.me/id/articles/history-of-blockchain\",\"target\":\"_blank\",\"content\":\"blockchain\",\"customEvents\":{}}},{\"id\":\"RichTextText\",\"config\":{\"content\":\". Ini berarti tidak dibutuhkannya sebuah sentral bank dan tidak ada otoritas yang bertugas.\",\"style\":{}}}],\"style\":{}}},\"3070b49c-0e92-48a5-a2c6-eb1cddb53a4f\":{\"id\":\"RichTextParagraph\",\"config\":{\"content\":[{\"id\":\"RichTextText\",\"config\":{\"content\":\"Dan juga, penerbitan Bitcoin adalah terbatas dan tidak akan ada pembuatan setelah 21 juta bitcoin diterbitkan. Maka dari itu, konteks yang kita pakai jauh berbeda dan tidak ada cadangan fraksional dalam dunia Bitcoin dan Mata Uang Digital.\",\"style\":{}}}],\"style\":{}}}},\"_custom_flag_\":\"html2json\"}","author":"Binance Academy","language":"id","created_at":"2019-01-21T04:25:09.000Z","updated_at":"2023-08-03T09:30:31.000Z","reading_time":282000,"related":[{"id":7980,"title":"Memulai di Marketplace NFT Binance","slug":"getting-started-with-the-binance-nft-marketplace","image":{"original":"uploads-original/df914fdc80b043c29da6ce9820132e31.png","optimized":"uploads/df914fdc80b043c29da6ce9820132e31.png","thumbnail":"uploads-thumbnails/df914fdc80b043c29da6ce9820132e31.png"},"language":"id","created_at":"2021-06-24T03:56:56.000Z","updated_at":"2023-04-13T07:41:11.000Z","reading_time":482499,"translations":[],"categories":[]},{"id":8886,"title":"Cara Berdagang Kripto dengan Bertanggung 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