TRIBUN-BALI.COM, DENPASAR – Let’s learn English together! Inilah kunci jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 halaman 183 184 185 186 187, D. Formative Test: Part 2.
Kunci Jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 kali ini akan membahas soal pada Chapter 5 yang berjudul Hortatory Exposition Text sesuai dengan buku siswa Bahasa Inggris kurikulum Merdeka edisi 2021.
Kali ini kita akan membahas soal pada halaman 183 184 185 186 187 kegiatan siswa D. Formative Test Part 2 tentang reading and writing.
Kunci jawaban di bawah ini diharapkan bisa membantu siswa sebagai alternatif jawaban untuk menyelesaikan soal pada halaman 183 184 185 186 187 di buku Bahasa Inggris Tingkat Lanjut Kelas 11.
Berikut kunci jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 halaman 183 184 185 186 187 sesuai dengan buku Bahasa Inggris Kelas 11.
Baca juga: Kunci Jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 Halaman 168, E. Writing: Activity 1
Update Kunci Jawaban
Kunci Jawaban Bahasa Inggris Tingkat Lanjut SMA/SMK Kelas 11 halaman 183 184 185 186 187
D. FORMATIVE TEST
Part 2 Reading and Writing
Read the text and answer questions 8 - 15.
Why Financial Literacy Matters
Financial literacy is crucial for helping consumers to manage several factors.
Among them, financial decision options, complexity of savings and investment options, the changing of financial environment, persistent gap between haves and have-nots, and also save enough to provide adequate income in retirement while avoiding high levels of debt that might result in bankruptcy, defaults, and foreclosures.
There are some reasons why financial literacy matters. First, in its “Report on the Economic Well-Being of U.S. Households in 2019,” the Board of Governors of the U.S. Federal Reserve System found that many Americans are unprepared for retirement.
One fourth indicated they have no retirement savings, and fewer than four in 10 of those not yet retired felt that their retirement savings are on track.
Among those who have self-directed retirement savings, nearly 60 persen admitted to feeling low levels of confidence in making retirement decisions?
Baca juga: Kunci Jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 Halaman 166 167, D. Grammar Focus: Activity 4
Second, low financial literacy has left millennials—the largest share of the American workforce—unprepared for a severe financial crisis, according to research by the TIAA Institute.
Even among those who report having a high knowledge of personal finance, only 19 % answered questions about fundamental financial concepts correctly.
Forty-three percent report using expensive alternative financial services, such as payday loans and pawnshops.
More than half lack an emergency fund to cover three months’ expenses, and 37 % are financially fragile (defined as unable or unlikely to be able to come up with $2,000 within a month in the event of an emergency).
Millennials also carry large amounts of student loan and mortgage debt—in fact, 44 % of them say they have too much debt. Though these may seem like individual problems, they have a broader effect on the entire population than previously believed.
All one needs is to look at the financial crisis of 2008 to see the financial impact on the entire economy that arose from a lack of understanding of mortgage products (creating a vulnerability to predatory lending).
The conclusion from why financial literacy matters is because financial literacy is an issue with broad implications for economic health, and an improvement can help lead the way to a global economy that is competitive and strong.
Baca juga: Kunci Jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 Halaman 165 166, D. Grammar Focus: Activity 2 3
8. What is the text about?
a. financial literacy
b. critical literacy
c. cultural literacy
d. information literacy
e. scientific literacy
Jawaban: A
9. According to the author, how prepared are Americans for their retirement?
a. few Americans are unprepared for retirement
b. One-fourth indicated they have no retirement savings
c. Fewer than four in 7 of those not yet retired felt that their retirement savings are on track
d. Nearly 40?mitted to feeling low levels of confidence in making retirement decisions
e. many Americans are prepared for retirement
Jawaban: B
10. How do American millenial’s view financial literacy?
a. Among those who report having a high knowledge of personal finance, 89 % answered questions about fundamental financial concepts correctly
b. More than half lack an emergency fund to cover three months’ expenses
c. Fifty-three percent report using expensive alternative financial services, such as payday loans and pawnshops
d. 47 % are financially fragile (defined as unable or unlikely to be able to come up with $2,000 within a month in the event of an emergency)
e. Low financial literacy has left millennial unprepared for a severe financial crisis
Jawaban: B
11. How many millenials are in debt?
a. 34 %
b. 44 %
c. 43 %
d. 33 %
e. 54 %
Jawaban: C
12. In the right column, write T for correct, and F for incorrect statements.
Jawaban:
a. Many Americans are unprepared for retirement. = True
b. 60 % of Americans admitted to feeling low levels of confidence in making retirement decisions. = True
c. 43 % Americans report using expensive alternative financial services, such as payday loans and pawnshops. = True
d. 37 % of Americans are financially fragile. = True
e. 44 % Americans millenials say they have too much debt. = True
13. What type of exposition is the text above?
Jawaban:
An analytical exposition text. Hal ini terlihat dari paragraf terakhir yang menunjukkan reiterasi, bukan rekomendasi.
14. “All one needs is to look at the financial crisis of 2008 to see the financial impact on the entire economy that arose from a lack of understanding of mortgage products (creating a vulnerability to predatory lending).” What does the sentence mean?
Jawaban:
a lack of understanding financial literacy can make a country into a financial crisis.
15. Write a short paragraph about financial literacy. Use one type of exposition text you think is the most appropriate. Your paragraph must consist of 250-300 words.
Jawaban:
Jawaban dapat bervariasi sesuai dengan kreativitas dan pengetahuan masing-masing siswa, berikut alternatif jawaban yang dapat digunakan:
Title: Why Financial Literacy is a Must-Have Skill for High Schoolers
Thesis
In today’s modern world, many teenagers are trapped in a consumerist lifestyle, often spending money on things they don’t actually need.
Many of us in senior high school prioritize "lifestyle" over "financial security."
However, I strongly believe that financial literacy is not just a skill for adults; it is an essential life skill that every student must master before graduating to ensure a stable future.
Argument 1
Firstly, understanding financial literacy helps us manage our pocket money more effectively. Many students struggle with "impulse buying," especially with the rise of online shopping and digital wallets.
By learning how to budget and differentiate between "needs" and "wants," we can avoid being broke before the end of the month.
Developing this habit early will prevent us from falling into a cycle of debt when we eventually have our own credit cards or loans.
Argument 2
Secondly, financial literacy introduces us to the power of investing and the "magic" of compound interest.
Instead of just saving money under a mattress or in a low-interest bank account, we should learn about stocks, mutual funds, or the Indonesia Stock Exchange (IDX).
The earlier we start investing, even with small amounts, the more time our money has to grow. This is the key to achieving financial freedom at a younger age.
Argument 3
Thirdly, being financially literate protects us from the rising threats of financial scams and illegal online lending, known in Indonesia as pinjaman online (pinjol).
Without proper knowledge, many young people are easily tempted by "get-rich-quick" schemes or easy-access loans with predatory interest rates.
Knowing how to manage risks is our best defense against these traps.
Reiteration
In conclusion, financial literacy is a vital foundation for our future. It teaches us discipline, smart planning, and self-protection.
Therefore, I urge all my fellow students to start reading financial books, follow credible financial educators on social media, or check the OJK (Financial Services Authority) website for literacy resources.
Let’s be a generation that is not only tech-savvy but also money-smart!
Demikian kunci jawaban Bahasa Inggris Tingkat Lanjut Kelas 11 halaman 183 184 185 186 187, D. Formative Test sesuai dengan buku Bahasa Inggris Tingkat Lanjut tahun edisi 2021.
Disclaimer
Kunci jawaban diatas bersifat alternatif jawaban sehingga para siswa bisa memberikan eksplorasi jawaban lain.
Kunci jawaban soal diatas bisa saja berbeda sesuai dengan pemahaman tenaga pengajar atau murid. (*)
