Quiz Literasi Keuangan

The government has launched the National Financial Literacy Movement program. What is the main goal of this policy in the long term?

• Increase public consumption

• Encourage the public to use e-wallets

• Reduce dependence on cash systems

• Create a society that wisely manages finances

• Increase state revenue from taxes

Observe the two types of money below: Cash money and Giral money. What is the main difference between these two types of money in economic activities?

• Cash money can only be used in banks

• Giral money is issued by the public

• Giral money only applies in traditional markets

• Cash money is physical, while giral money is in the form of deposits in banks

• Giral money circulates more than cash money

A family is used to spending all their income every month without saving for emergencies. What is the biggest risk of this pattern?

• Cannot enjoy life

• Cannot follow lifestyle trends

• Unable to meet needs during a crisis

• Family income stagnates

• Unable to buy luxury goods

In a survey, it was found that teenagers often buy items impulsively through e-commerce applications. The best advice to address this issue is...

• Turn off application notifications

• Limit internet usage

• Provide financial literacy education from an early age

• Make shopping applications slower

• Close application access at certain hours

A student has an additional income from selling snacks of Rp800,000 per month. He saves 30% for savings. If he wants to buy a laptop worth Rp7,200,000 in a year, what should he do?

• Reduce monthly savings

• Increase the savings target to 75%

• Postpone the laptop purchase

• Find additional income or save more

• Change the sales method to a credit system

Observe the two statements below: (1) The public is increasingly accustomed to digital transactions through QR codes. (2) Some people do not understand the risks of personal data security. What is the impact of these two statements on the national financial system?

• Increased digital transactions without literacy can create system vulnerabilities

• Digital transactions slow down economic growth

• The financial system becomes closed to the lower class

• The use of cash money increases again

• The government does not need to monitor digital transactions

Electronic money such as e-wallets is becoming increasingly popular among teenagers. What is the negative impact of this trend if not balanced with good spending control?

• Reduce dependence on ATM cards

• Lower transaction efficiency

• Increase the risk of consumerism and budget leakage

• Accelerate financial transactions

• Strengthen financial literacy

Observe the following news excerpt: "Bank Indonesia officially lowered the benchmark interest rate to 5.5% to encourage credit growth and public consumption." What is the most likely impact of this policy on the economy?

• The amount of public savings increases significantly

• The public is encouraged to keep money at home

• Credit becomes cheaper, thus increasing consumption

• Inflation drops drastically

• The use of giral money decreases

A customer saves Rp10,000,000 at Bank Central Asia (BCA) with an interest rate of 6% per year. If the interest is calculated simply, how much interest is earned in 1 year?

• Rp400,000

• Rp500,000

• Rp600,000

• Rp650,000

• Rp700,000

Islamic banks do not charge interest on credit transactions. Instead, banks use profit-sharing or murabahah principles. What economic principle is reflected in this system?

• Free competition

• Justice and risk equality

• Controlled inflation

• High speculation

• Consumerism