Soal SKB No.81 - Seleksi Kompetensi Tambahan - Paket 06

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Seleksi Kompetensi Tambahan - Paket 06 SKB Reading Comprehension

81. Microcredit programs offer small loans to individuals who typically lack access to traditional banking services. When paired with basic financial literacy training, borrowers are more likely to use the funds productively and repay on schedule. Without such training, default rates tend to be noticeably higher, particularly among first-time borrowers. What does the passage say about financial literacy training?

It increases default rates among first-time borrowers

It replaces the need for microcredit programs altogether

It tends to improve productive fund use and repayment compared to no training

It is unnecessary since most borrowers already manage money well

It only benefits borrowers who have taken loans before

Jawaban: C

Pembahasan: Teks menjelaskan bahwa pelatihan literasi keuangan berkaitan dengan penggunaan dana yang lebih produktif dan pembayaran tepat waktu, dibandingkan tanpa pelatihan sama sekali.

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