WorksheetsLatihan Soal Literasi Finansial
Total questions: 20
Worksheet time: 10mins
Which Indonesian institution is formally responsible for supervising and regulating the entire financial services sector, including banking and capital markets?
Bank Indonesia (BI)
Ministry of Finance (Kemenkeu)
Central Bureau of Statistics (BPS)
Financial Services Authority (OJK)
Which item is correctly classified as an asset that can increase a person’s wealth over time?
Credit card debt
A car whose resale value consistently drops
Government bonds
One-time consumable purchase
Rina receives Rp200,000 per week and wants to buy a novel priced at Rp150,000 within four weeks. Which strategy is most effective and aligns with sound money management?
Spend all weekly allowance on daily needs and hope for leftover
Set aside at least Rp37,500 from each weekly allowance and save it
Borrow from a friend during the last week
Ask parents for extra money just before the purchase
In a monthly budget, expenses for basic needs such as food and transport should be categorized as which type of spending?
Unexpected expenses (non-essential)
Investments
Fixed and mandatory (essential) expenses
Luxury discretionary expenses
What is the primary function of an emergency fund in personal financial planning?
Pay for luxury vacations
Cover losses due to speculative investments in trend assets
Pay for urgent, unexpected costs such as illness or emergency repairs
Serve as seed money for high-risk investing
If someone keeps taking new loans with high interest and ignores the due dates, what financial issue are they likely facing?
Financial surplus
Unsustainable debt burden affecting health and stability
High investment literacy
Balanced assets
Which goal is most appropriate for long-term investments (more than five years)?
Buying a new gadget next month
Funding college tuition or retirement
Covering daily emergencies
Paying monthly utility bills
In investing, what best describes the concept of risk?
A guaranteed amount of return
The investment term length
Potential loss or uncertainty of outcomes compared to expectations
Ease of reselling the asset
Which characteristic commonly signals an illegal ‘bodong’ investment scheme?
Regulated by OJK with transparent financial reports
Offers reasonable returns aligned with market norms
Promises very high returns quickly using a Ponzi-like structure
Runs a clearly legal business activity
When you lend money to a friend with an agreement to be repaid next week, in basic credit terminology you are acting as which party?
Consumer
Investor
Creditor (lender)
Debtor (borrower)
What is the primary purpose of having insurance within risk management?
To obtain large profits like an investment
To transfer the financial loss risk from yourself to the insurance company
To use it as a way to avoid taxes
To serve only as debt repayment
Financial resilience refers to what key outcome in personal finance?
Holding many credit cards
Spending all income on entertainment
Building a clean positive balance sheet (assets exceed liabilities)
Always buying luxury goods
A product’s price rises from Rp10,000 to Rp11,000 over one year. What is the inflation rate for this product?
1%
5%
10%
11%
Which is a core function of the central bank (Bank Indonesia) for the general public?
Accepting deposits from households
Issuing microloans
Maintaining the stability of the rupiah’s value
Publishing company annual reports
Under a 50/30/20 budgeting method, the 20% allocation is ideally directed to which category?
Mandatory expenses (needs)
Wants (lifestyle)
Savings and investments
Social spending
Which behavior best demonstrates knowing the value of money?
Buying items solely because they are cheap
Evaluating the economic benefits and lifespan of a product before purchasing
Always choosing expensive brands
Borrowing whenever a discount appears
Which financial product has relatively low risk and is well-suited for emergency savings?
Stocks
Real estate
Mutual funds
Bank savings account
Why is distinguishing between needs and wants fundamental to financial literacy?
Because wants are more important than needs
To ensure all wants are met
So limited resources can be prioritized for essential needs first
To eliminate all forms of spending
What is a common long-term consequence of habitual consumer debt, such as using Buy Now, Pay Later for nonessential items?
Savings grow faster
Credit score becomes excellent
Being trapped in a debt cycle and losing investment opportunities
Income rises automatically
What is the ultimate goal of financial literacy?
Becoming an economist
Achieving financial freedom/independence
Mastering every type of investment
Earning an extremely high salary
