FINANCIAL MANAGEMENT

1. Which of the following best describes "special financing"?

• A. Standard loans with regular interest rates

• B. Government subsidies for public infrastructure

• C. Tailored financial products for specific customer needs

• D. Bonds issued by multinational companies

2. Financial literacy is essential because it helps individuals:

• A. Avoid all financial risks

• B. Understand and manage their money effectively

• C. Become professional economists

• D. Invest only in stocks

3. Which of the following is an example of good personal finance practice?

• A. Spending more than you earn

• B. Borrowing money to pay monthly expenses

• C. Setting a monthly budget and saving consistently

• D. Ignoring your credit score

4. What is the function of a cash flow statement for SMEs?

• A. To attract new employees

• B. To plan marketing campaigns

• C. To monitor income and expenses over time

• D. To forecast exchange rate fluctuations

5. Which source of income is most common for regional governments in Indonesia?

• A. Foreign investment

• B. Local taxes and levies

• C. Central bank profits

• D. Export subsidies

6. 6. What is “Dana Desa” primarily used for?

• A. Building malls

• B. Funding central government operations

• C. Supporting village infrastructure and community needs

• D. Paying international debts

7. A financially literate person is most likely to:

• A. Invest blindly in trending assets

• B. Avoid budgeting

• C. Monitor spending and avoid unnecessary debt

• D. Save only when money is left

8. 8. Why is working capital important for SMEs?

• A. It increases employee salaries

• B. It funds daily operations

• C. It decreases profit

• D. It measures advertising success

9. What is the primary responsibility of a village treasurer in Indonesia?

• A. Supervising elections

• B. Managing and reporting village financial transactions

• C. Hosting community meetings

• D. Regulating market prices

10. Why is transparency in regional financial management important?

• A. To improve government secrecy

• B. To increase trust and reduce corruption

• C. To limit public access to information

• D. To attract tourists