Latihan Final test STIE “Moechtar Talib”
English II August 2011
Closed book
- I. Translate the text below!
A Cashless society
What does this phrase “a cashless society” mean to you? Does it mean that people have no money? Of course, not. It simply means we do not always need to carry or use cash for every transaction. The credit card is a good example of going cashless sometimes. You can pay for your grocery from a supermarket or mini-market with it. That will also include most of your other shopping needs. All you need is your bank-issued checks, credit card or a saving account ID card which is also a debit card. Then, the cashier will swipe it on a card reader. She will issue you a small slip of paper to sign. Your signature on this piece of paper is your promise to pay when it is due – usually 3-6 weeks later. Your debit card is also a direct payment to the seller or merchants. Here, your bank will immediately credit the amount the merchants after you sign on the card reader. Whether it is a credit or debit card, no cash is directly exchanged between buyer and seller.
When your credit card billing statement arrives, you make your payment to your bank. You could have a bank-to-bank or an ATM-to-bank transfer. Another example of going cashless is paying your utility bills – electricity, water and fixed-line or mobile telephone – through your bank using money from your bank account. You can either go to the bank once every month to make these payments or sign an authorization to automatically allow your bank to debit or to deduct your money in your account to pay these bills every month. You can always stop the authorization when you need to. This is really a very useful service as you do not have to worry about late payments or being fined or penalized for delays.
Where do you get money to pay your bills? From your salary, of course, if you are working. Most employers credit to the personal bank account of their employees on the 25th (or any agreed date) of every month. So, all an employee needs to do is to check and withdraw at the ATM a small amount for weekly or monthly petty cash needs or for emergencies. Actually, the ATM could also be used to transfer money from one account to account or from your bank to another. You can also deposit your cash into the ATM if you put your money in a sealed envelope and drop it into a slot. With the ATM, you do these bank transactions automatically and without the help of a teller. So, you only need to withdraw money from your ATM to pay for parking fees and other incidentals or petty expenses. By the way, do you use an E-toll card to pay the toll fees. Don’t you wish for the convenience of using an e-card to pay for gasoline, parking fees or bus or train fares?
Do you believe life is more simple or complicated now because our society is slowly but surely going cashless in the future? Do you worry less now because you do not need to carry too much cash in your wallet? Because of that, there is no worry about losing money to pick-pockets, or to your carelessness. Without cash in your pocket, you can still make an emergency payment at a hospital in the middle of the night. One disadvantage? You need to make sure you make enough money for all your needs and wants. Otherwise, you have visits from the debt-collectors if you cannot pay your debts.
- II. Complete the conversation with the correct tense
Audi : I …………………………….(go) to a Sudanese restaurant last night
Fatha : Really? I………………………………………(not eat) Sudanese food.
Audi : Oh, you should try it. It’s delicious!
Fatha : what……………………………you ……………………………….(order)?
Audi : First, I………………………….(try) ‘karedok’ it’s vegetable in spicy sauce.
Fatha : I…………………………..(not taste) ‘karedok’ . ……………………………(be) it very hot?
Audi : No. It …………………………(be) just spicy enough. And after that, I
………………………(drink) ‘cendol ‘ for dessert
Fatha : That sounds good!
Audi : It was.
- III. Translate into English
- Jangan bermain dengan pisau karena pisau akan melukai jarimu
- Cuci muka mu jika kamu ngantuk.
- Tolong kecilkan musiknya karena saya sedang belajar
- Setiap orang menyimpan mobilnya digarasi
- Tolong nyalakan televisi, saya akan menonton berita.
- Rumah itu mempunyai banyak ruangan.
- Tina sedang mencari baju merahnya karena dia ingin pergi ke pesta
- Kamar mu berantakan, tolong rapikan kamar mu
- Jangan parkir di depan pagar
- Jangan ganggu saya, saya sedang ujian.
Nurhayati2008 
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