Jawaban Bahasa Inggris SMA Kelas XI Formative Test Halaman 183

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Jawaban Bahasa Inggris SMA Kelas XI Formative Test Halaman 183 – Sobat, pada kesempatan ini akan disajikan pembahasan soal “Formative Test”. Pembahasan soal ini diambil dari materi yang terdapat pada buku Bahasa Inggris Tingkat Lanjut untuk SMA Kelas XI Kurikulum Merdeka. Berikut adalah pembahasan soal selengkapnya, mari kita simak bersama. Selamat membaca !

Salah satu metode efektif untuk memperbaiki kemampuan bahasa Inggris adalah dengan mengerjakan soal berdasarkan teks. Melalui aktivitas ini, dapat meningkatkan pemahaman membaca, keterampilan pemecahan masalah, dan penguasaan kosakata.

Jawaban Bahasa Inggris SMA Kelas XI Formative Test Halaman 183 : Part 2 Reading and Writing

Part 2 Reading and Writing

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. Onefourth 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% admitted to feeling low levels of confidence in making retirement decisions?

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.

8. What is the text about?

a. financial literacy

b. critical literacy

c. cultural literacy

d. information literacy

e. scientific literacy

9. According to the author, how prepared are Americans for their retirementt?

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% admitted to feeling low levels of confidence in making retirement decisions

e. many Americans are prepared for retirement

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

11. How many millenials are in debt?

a. 34%

b. 44%

c. 43%

d. 33%

e. 54%

12. In the right column, write T for correct, and F for incorrect statements.

a. Many Americans are unprepared for retirement.

b. 60% Americans admitted to feeling low levels of confidence in making retirement decisions.

c. 43% Americans report using expensive alternative financial services, such as payday loans and pawnshops.

d. 37% Americans are financially fragile.

e. 44% Americans millenials say they have too much debt.

Jawaban :

8. a

9. b

10. b

11. c

12. In the right column, write T for correct, and F for incorrect statements.

a. Many Americans are unprepared for retirement. (T)

b. 60% Americans admitted to feeling low levels of confidence in making retirement decisions. (T)

c. 43% Americans report using expensive alternative financial services, such as payday loans and pawnshops. (T)

d. 37% Americans are financially fragile. (T)

e. 44% Americans millenials say they have too much debt. (T)

Kesimpulan

Itulah pembahasan soal yang dapat disajikan pembahasan soal “Formative Test” yang terdapat pada buku Bahasa Inggris Tingkat Lanjut untuk SMA Kelas XI Kurikulum Merdeka. Semoga dengan penyajian jawaban ini dapat bermanfaat dan membantu dalam belajar. Selamat belajar !

Disclaimer : Pembahasan mengenai jawaban di atas merupakan panduan yang dapat digunakan dalam belajar, bukan jawaban yang mutlak akan tetapi bersifat terbuka dan masih dapat dikembangkan.

Jawaban Bahasa Inggris SMA Kelas XI Formative Test Halaman 183 : Part 2 Reading and Writing

Kesimpulan

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