Soal SKB No.81 - Seleksi Kompetensi Tambahan - Paket 02

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Seleksi Kompetensi Tambahan - Paket 02 SKB Reading Comprehension

81. Read the passage: "A cooperative bank serving small farmers found that loan default rates dropped significantly after it began requiring borrowers to attend a short financial planning session before disbursement, even though the loan terms themselves stayed unchanged." What factor was associated with the drop in default rates, according to the passage?

The bank stopped lending to farmers with any prior default history

The planning sessions replaced the need for farmers to repay loans at all

Requiring a financial planning session before the loan was disbursed, not a change in loan terms

A reduction in the interest rates charged on new loans

A significant increase in the size of loans offered to farmers

Jawaban: C

Pembahasan: Penurunan tingkat gagal bayar dikaitkan dengan kewajiban mengikuti sesi perencanaan keuangan sebelum pencairan pinjaman, bukan perubahan pada persyaratan pinjaman itu sendiri yang tetap sama.

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