Soal SKB No.84 - Seleksi Kompetensi Tambahan - Paket 01

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Seleksi Kompetensi Tambahan - Paket 01 84 / 100

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Seleksi Kompetensi Tambahan - Paket 01 SKB Reading Comprehension

84. Read the passage: "Microfinance programs targeting women entrepreneurs have long been credited with boosting household income, yet closer analysis suggests the benefit depends heavily on who controls the loan once it is disbursed. In households where women retained control over how the loan was used, business income rose substantially; in households where male relatives redirected the funds, income gains were minimal despite the loan being recorded under the woman's name." What determined whether a microfinance loan improved household income, according to the analysis?

The total size of the loan disbursed to the household

The interest rate charged by the microfinance institution

Whether the household lived in an urban or rural area

The number of years the woman had been married

Whether the woman retained actual control over how the loan was used

Jawaban: E

Pembahasan: Analisis menunjukkan manfaat pinjaman mikro bagi pendapatan rumah tangga sangat bergantung pada siapa yang benar-benar mengendalikan penggunaan dana tersebut. Ketika perempuan tetap memegang kendali, pendapatan usaha meningkat signifikan, sementara kendali yang dialihkan ke pihak lain membuat manfaatnya nyaris hilang meski pinjaman tetap tercatat atas nama perempuan tersebut.

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