Soal SKB No.118 - TKBI IPDN - Paket 02

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TKBI IPDN - Paket 02 SELEKSI-LANJUTAN-SEKDIN TKBI - Reading Comprehension

118. Read the following passage, then answer the question below.

Access to formal financial services remains limited in many rural areas, prompting the growth of cooperative-based finance models as an alternative to conventional banking. Village cooperatives, often supported by local government seed funding, provide small loans to farmers and micro-entrepreneurs who lack the collateral typically required by commercial banks. These cooperatives rely heavily on community trust and peer accountability to manage repayment, an approach that has shown promising repayment rates in several pilot regions. However, sustainability experts caution that cooperatives with weak internal governance are vulnerable to mismanagement of member funds.

What mechanism helps cooperatives manage loan repayment?

Automatic salary deductions

Government-mandated collateral seizure

From public to entirely private recruitment

International loan guarantees

Community trust and peer accountability

Jawaban: E

Pembahasan: Jawaban dapat ditelusuri langsung dari isi passage "Cooperative-Based Rural Finance".

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