Trick to Answer TOEFL Listening Question

The TOEFL Listening Session (TOEFL listening section) aims to test participants' ability to understand spoken language. Thus, participants not only understand the writing but also understand the vocabulary they are listening to. You can practice your skills by taking a TOEFL course or trying it for yourself. In addition to understanding conversation or speech, in this session the participants were also slightly tested regarding grammar. This is because in the listening session, the audio that is played is in the form of conversations from short to long ones on a topic of conversation. Not infrequently in this conversation also talk about time.

In the TOEFL listening session there are three parts that are categorized into part A, part B, and part C. Although both listening sessions, but differences occur in the length of the conversation. Part A contains a short conversation, part B with a longer conversation, and part C is a fairly long monologue about an event. In all three sessions you will be given 35-45 minutes for the whole question. Plus the conversation session with the opportunity to answer is only given a little time. Thus, you must be careful in answering each question.

Ø  Part A

As explained earlier, this session was in the form of listening to a short conversation consisting of two speakers. Every short conversation will have a question at the end and you can find the answer on the question sheet. In listening to TOEFL part A, this is still fairly easy because the participants only have a fairly short conversation. In general, participants are only given the opportunity to listen to one conversation. Thus, you must pay attention to what the speaker is saying carefully.

In the session keywords are usually in the second speaker. However, the basis of the conversation topic is said by the first speaker so you also have to pay attention to it. Furthermore, the questions asked are usually in the form of keywords delivered by the second speaker. Instructions part A: Here you will listen to the conversation between the two speakers. At the end of each conversation there will be a third person voice, in which the person will read out the question regarding the conversation. You can see the answer on the question sheet.

Conversations are generally only played once. After listening to the question, choose one of the four answers that you think are appropriate. After selecting one answer that is considered correct, you can fill in the answer sheet directly. In TOEFL part A listening, one conversation represents one question. Don't think too long. This is because between one conversation, the session answers, with the next conversation given only a little time. Thus, make sure you are not late to focus on the next conversation. You also have to be careful in listening, so it doesn't take long when answering.

The following are some of the use of question words that often appear in the TOEFL Listening hension Section Part A.

What does the (man / woman) mean?

What will the (man / woman) probably do (next)?

What will the speakers do? What is the (man / woman) going to do?

What does the (man / woman) plan to do?

What does the (man / woman) imply about ...?

What is the (man's / woman's) problem?

What problem does the (man / woman) think the (man / woman) have?

What are the speakers talking about?

What does the (man / woman) suggest that the (man / woman) do?

What does the (man / woman) say about ...?

What does the (man / woman) think about ...?

What had the (man / woman) assumed about ...?

Ø  Part B

Part B conversations will be longer than the previous part. It's still the same as listening TOEFL part A, this conversation is again carried out by two people and at the end of the third person will convey the question. If previously one conversation for one question then on this occasion one conversation for several questions. Given the length of the conversation and there are several questions that will be delivered, you should concentrate more on this session.

Instructions for Part B: After one long conversation is heard, then there is a third person who will give some questions. Each conversation will be spoken once. The distance from one question to the next is in just seconds, so answer immediately after the question is asked. After listening to the question, you can choose one of the answers that is considered right that is printed on the question sheet. You won't find the question on the question sheet so you have to listen well. After choosing one answer that is considered the most appropriate, you can blacken the answer sheet.

The examples of questions that are often heard by Part B include:

What is the main topic of this conversation?

Where does the conversation take place?

When did it occur?

What will the man probably do next?

How does the woman buy?

Who is the guest speaker?

Ø  Part C

The TOEFL Part C listening is slightly different from the previous two parts. This is because this session is not composed of conversations but monologues, where the narrator will read the narrative in the form of stories and news that is quite long. The topic also varies in the form of things you have or have often experienced. Text that will be played later has a duration of about 40 to 80 seconds. Later at the end of the story or narration, the narrator will read a few questions. The narrative that is played will contain information in the form of sentences and numbers. It's good if you also pay attention to a number of numbers mentioned in the narrative.

Questions will also be sent once with the chance that you will answer about 12 seconds. This time will be given for one question. Questions were asked for one narrative session which ranged from 3 to 7 questions. Directions Part C: This TOEFL listening part will be played with several narratives. At the end of each narrative questions will be given that are only played once.

No question text is not written in the question book, so you have to listen carefully to the questions. Here your listening ability is very tested. Because the text to be read later is quite long. For that you must be able to understand well what is conveyed. After hearing the question, you can find the answer on the question sheet. Choose one of the four choices that you consider to be the most appropriate answer.

Examples of questions that are often heard in Part C include main ideas, details, purpose, and implication:

1. Questions about main ideas usually include:

What is the main idea of ​​the talk?

What is the talk mainly about?

What are the speakers discussing?

What would be a good title for the lecture?

2. Questions regarding details of the conversation usually include:

What does the man / woman say about ...?

What does the man / woman want?

What does the man / woman suggest about ...?

What is the man / woman describing?

3. Questions regarding purpose (purpose) usually include:

Why did ...?

Why is ...?

Why does the man / woman think ...?

Why does the speaker mention ...?

referensi :

http://www.goeducation.net/sesi-listening-toefl-dan-tips-mengerjakannya/

NASKAH PRESENTASI PERSONAL

Assalamualaikum wr. Wb. Hello everyone, my name is Zahros Nada. My nickname is Nada. I’m 20 years old right now. I’m from Jakarta, i life at Bukit Duri Tanjakan sreet, Tebet, South Jakarta. I life with my parents. My hobies is watching movie and playing games. I’m fresh graduate. I wash graduated from Gunadarma University mayoring in accounting. The reason i majored in accounting because i like bookiping. I like accounting since i was in accounting vocational high school. When in high school, i had an internship at automotive company in jakarta. I was placed in the customers service department for two month. During college i deepened my knowledge of accounting, much of what i learned. Not only accounting but i studi ed banking, taxing, auditing, investment, and other. But i’am more interested in banking. I want to work in Bank Indonesia and become a permanent employee. I hope i can work there. But my father is more supportive if i become an enterpreneur. While my mothe is more supportive if i work in the taxation field but whatever my deasion my parent will continue to support me. I am also interested in long-term investment, because it can be our saving in the future if i work later, i want to work and investment my capital in the company.

Invitation Letter

SENYUM INDONESIA FOUNDATION

Jl. Pangeran No.21st, Baturaja, South Sumatera

Senyum Indonesia Foundation

Jl. Pangeran No.21st, Baturaja, South Sumatera

Telp (0735) 35xxxx

Baturaja March 25th, 2016

No: 12/03/III/2016

Subject: Meeting Invitation

Attachment: 1 page

Dear Mr. Darmono

We write this letter to request your presence at the internal meeting of Senyum Indonesia Foundation. The meeting will be attended by all the foundation management from all the branches in Indonesia. The meeting will be held on:

Date: April 12nd, 2016

Place: Senyum Indonesia Head office

Time: 10.00 am – 12.00 am

In this annual meeting we will discuss about:

1. The evaluation of the previous President of the foundation

2. Discussing and planning the election of the new President of Senyum Indonesia 2016-2018 period.

3. Discuss the problem from all the branhces of Senyum Indonesia.

4. Planing for the next meeting.

This is an important meeting for Senyum Indonesia Foundation. We hope all the stakeholders will be available. Thank you for your attention.

Sincerely,

Didi Dodo

Senyum Indonesia Foundation President

Business Meeting

Discussion in a Meeting

PT. DRINK has launched its newest product namely Teh Kotak products with various flavors.

The General Manager of the company intends to hold a meeting about the newest product launch.

Meeting structures include:

1. General Manager

2. Ministry of Finance

3. Marketing Department

4. Production Department

Scenario of PT DRINK Sales Meeting :

General Manager : Hello, everyone. Thank you for coming today. As you can see from the agenda, we will be talking about sales in the last month.

Based on data of sales for the past one month. It was decreasing, the marketing department has done everything to increase the turnover of market but demand of our product kept decreasing day by day.

Dept. Keuangan : "What ?, how market turnover can drop so drastically. What is the cause? "

General Manager : "We have examined to the field carefully that there is a kind of product like ours but it has better quality and it also has interesting look, it makes the consumer interested and change to the product.

Dept Keuangan : "Thank you for the explanation. For this case, we have to take an action quickly so that we can regain the market. "

General Manager : what does everyone think about this?

Dept. Produksi : "Do we have to make new products and increase product quality?"

Dept. Produksi : "How if we make various flavor to our product? and it must reach all consumers, kids, adults and the elderly.

General Manager : what does everyone else think ?

Dept. Keuangan : I agree with that opinion

Dept. Pemasaran : yeah, me too

General Manager : "Alright, we can take innovation from production department. Is production ready to make this?

Dept. Produksi : "Ready, the production will try to do that."

General Manager : "Okay, this work can be done starting this month. I hope everyone can be responsible for their respective duties for the smooth operation of this production. And for marketing managers

Dept. Pemasaran : "In marketing this product later, making advertisements on social media. So, the consumers can see the new product that we launch and marketing target can be reached

Dept. Produksi : "Very good innovation. I hope the innovation can be planned and produce better and more satisfying results.

General Manager : We think today's evaluation meeting is finished, then to end the meeting this afternoon, let’s  read the hamd together, hopefully this afternoon's meeting can bring maximum results. Thank you all…

-----o-----

Tugas Softskill Bahasa Inggris

1. SALES REPORT TEH POCI ( PAPER)

CHAPTER I

INTRODUCTION

A.    Background

In facing difficulties including customers, then as students we also have to learn in marketing products. In the task of filling in this entrepreneurial subject, we strive to learn to become entrepreneurs. The business that we do is an effort that can be an opportunity for us in the future. At present the businesses we use today offer drinks (TEH POCI).

B.     Purpose

The purpose of this business is not only to seek profit, but also to emphasize the experience of an entrepreneurial process because through marketing and sales we are required to interact with many people, how to offer well and politely, convince buyers to buy beverage products that we offer and give the best explanation and service so that the customer feels satisfied.

C.     Date and Time

The implementation of this activity is carried out in several places within 2 weeks, namely:

Day: Wednesday, February 4, 2015

Time: 16.00 - 19.30 WIB

CHAPTER II

DISCUSSION

A.    Product Type and Product Price

PRODUCT	PRICE OF MARKETING	ORIGINAL PRICE
Teh Celup Poci Vanila '25	Rp 4000	Rp 3200
Teh Celup Poci Jasmine '5	Rp 1000	Rp 800

B.     Marketing

The marketing process that we do is by promoting it directly to the customer, going to the people we usually know. By doing the above steps we try to persuade customers to be interested in our products so that they can eventually make purchases and transactions. Not even a little when we socialize the product, the customer immediately buys it. Most of our customers are people who are in our home environment because the price is affordable and our product sales can run smoothly.

C.     Sales

This sales activity is the core activity of the transaction process, therefore sales activities consist of a series of activities such as determining and finding buyers introducing products, negotiating prices and ending with the payment process. Our sales include one product, namely Beverage products, for Beverage products, we sell mostly to people around the house.

D.    Results and Discussion

We do this activity to get experience and learning to become entrepreneurs. This activity is a very useful activity for students especially us, because by doing this activity we know how to offer and market a product well. And we can know more about how to interact well.

CHAPTER III

CONCLUSION and SUGGESTION

A.    Conclusion

From the activities we do is that students really need a learning process like this. Because we can directly feel how to offer and sell products to others. This experience can be the basis when we will open a business. As long as there is a will and the desire to try for sure we can do it, because in the world of business capital is not everything

B.     Suggestion

The suggestion that we want to convey is that hopefully in the next entrepreneurship subject, this field practice activity can still be implemented and further improved. Because activities like this are very useful, so students have the provision of experience when they want to go directly into the business world.

Reference :

https://ronaroikhana14.blogspot.com/2016/04/contoh-laporan-penjualan.html

2. OFFICIAL LETTER

PT. MAJU TERUS

Soedirman Street no. 56 South Jakarta

021- 837 01205

Pahlawan Street no. 99 South Teluk Betung
Bandar Lampung, Lampung
34165

Bandar Lampung, April 1st, 2016

Heru Susanto, S.Kom
Maju Terus, Ltd
Soedirman Street no. 56 South Jakarta
Jakarta, Indonesia
12000

Dear Mr. Heru Susanto, S.Kom,
To celebrate the third anniversary of our company, through this letter we invite all managers of Maju Terus, Ltd to attend the last preparation meeting which will be held on:

Date    : Saturday, 30th April 2016
Hours        : 9 A.M – end
Venue        : SHERATON Convention Hall

We hope that you will be able to come because we will take the final decision of our program. Thanks for your nice attention.

 Sincerely,

    Toni Purwanto, S.E
Chairman of the Committee

Reference :

http://www.belajardasarbahasainggris.com/2016/04/15/contoh-surat-resmi-dalam-bahasa-inggris-beserta-artinya-terbaru/

FINANCIAL TECHNOLOGY

A.    Pengertian Financial Technology

Financial technology/FinTech merupakan hasil gabungan antara jasa keuangan dengan teknologi yang akhirnya mengubah model bisnis dari konvensional menjadi moderat, yang awalnya dalam membayar harus bertatap-muka dan membawa sejumlah uang kas, kini dapat melakukan transaksi jarak jauh dengan melakukan pembayaran yang dapat dilakukan dalam hitungan detik saja.

B.     Sejarah Financial Technology

FinTech pertama kali muncul diawali dengan kemajuan teknologi industri. Perkembangan komputer beserta jaringan internet di tahun 1966 membuka peluang besar bagi para pengusaha finansial untuk mengembangkan bisnis secara global. Di era 80án, bank mulai menggunakan sistem pencatatan data yang mudah diakses melalui jaringan komputer. Dari sinilah, cikal bakal FinTech dimulai dengan munculnya pula back office bank beserta fasilitas permodalan lainnya. Pada tahun 1982, E-Trade membawa FinTech menuju arah yang lebih baik dengan mengizinkan sistem perbankan secara elektronik untuk investor.

Model finansial ini semakin ramai digunakan berkat pertumbuhannya pada 1990. Salah satunya karena saham online yang dapat memudahkan investor untuk menanamkan modal. Tahun 1998 adalah masa ketika bank mulai mengenalkan online banking untuk para nasabahnya. FinTech pun menjadi primadona di masyarakat luas. Pembayaran yang praktis dan jauh berbeda dengan metode pembayaran konvensional membuat perkembangan FinTech semakin gencar. Layanan finansial yang lebih efisien dengan menggunakan teknologi dan software dapat dengan mudah diraih dengan FinTech.

PERKEMBANGAN FINTECH DI INDONESIA

Di Indonesia, bisnis FinTech mulai menjamur. Sebagai contoh adalah Danabijak. Meski masih terbilang anak muda, bank dan regulator sudah siap dan ingin bekerja sama dengan FinTech Indonesia.

Berikut lima alasan FinTech digemari di Indonesia :

• Proses online biasanya lebih mudah dan cepat. Generasi muda yang lahir di era internet pasti lebih menginginkan solusi cepat bagi permasalahan mereka sehari-hari. FinTech notabene memudahkan persoalan para millenials.
•  Pelaku FinTech Indonesia melihat kesuksesan bisnis berbasis teknologi digital, seperti ojek online. Mereka kemudian merasa terinspirasi membangun usaha digital di bidang keuangan.
• Penggunaan software, teknologi, dan juga Big Data oleh FinTech. Usaha FinTech juga menggunakan data dari media sosial. Aktivitas media sosial dapat dijadikan salah satu dari analisis risiko. 
• Usaha FinTech dianggap lebih fleksibel dibandingkan dengan bisnis konvensional yang memiliki image lebih kaku. 
• Kebutuhan melakukan transaksi keuangan secara online karena meluasnya penggunaan internet.

FinTech dibentuk guna memberikan solusi bagi masyarakat. Bukan malah merusak usaha. Seharusnya, bank tidak perlu merasa tersaingi. Jadikanlah FinTech sebagai teman kolaborasi yang baik. Kolaborasi antara bank dan FinTech Indonesia justru mampu melebarkan jaringan layanan. Hal ini tentunya juga akan membawa pengaruh positif bagi Indonesia, khususnya bagi penetrasi produk keuangan yang relatif rendah.

Salah satu bisnis FinTech yang sangat menarik perhatian di tahun 2016 adalah e-money. Para pemain lokal dan asing berlomba untuk mendapatkan lisensi dari Bank Indonesia agar bisa menjalankan bisnis tersebut. Sadar jika FinTech punya potensi besar untuk mendukung perekonomian negara, OJK pun berusaha membantu perkembangan FinTech dengan menggelar Festival dan Conference. Hal ini juga diikuti dengan kolaborasi yang dibangun dengan Asosiasi FinTech Indonesia yang berdiri pada tahun 2016.

C.     Jenis-jenis Financial Technology

Badan internasional pemantau dan pemberi rekomendasi kebijakan mengenai sistem keuangan global, Financial Stability Board (FSB) membagi fintech dalam empat kategori berdasarkan jenis inovasi.

1. Payment, clearing dan settlement. Ini adalah fintech yang memberikan layanan sistem pembayaran baik yang diselenggarakan oleh industri perbankan maupun yang dilakukan Bank Indonesia seperti Bank Indonesia Real Time Gross Settlement (BI-RTGS), Sistem Kliring Nasional BI (SKNBI) hingga BI scripless Securities Settlement System (BI-SSSS). Contohnya, Kartuku, Doku,iPaymu, Finnet dan Xendit.
2. e-aggregator. Fintech ini menggumpulkan dan mengolah data yang bisa dimanfaatkan konsumen untuk membantu pengambilan keputusan. Startup ini memberikan perbandingan produk mulai dari harga, fitur hingga manfaat. Contohnya, Cekaja, Cermati, KreditGogo dan Tunaiku. 
3. Manajemen resiko dan investasi. Fintech ini memberikan layanan seperti robo advisor(perangkat lunak yang memberikan layanan perencanaan keuangan dan platform e-trading dan e-insurance. Contohnya, Bareksa, Cekpremi dan Rajapremi.
4. Peer to peer lending (P2P). Fintech ini mempertemukan antara pemberi pinjaman (investor) dengan para pencari pinjaman dalam satu platform. Nantinya para investor akan mendapatkan bunga dari dana yang dipinjamkan. Contohnya, Modalku, Investree, Amartha dan KoinWorks. 

D.    Meta Analysis

Penelitian Terdahulu

Penulis	Tahun	Variabel	Metode	Hasil
Irma Muzdalifa, Inayah Aulia Rahma, Bella Gita Novalia	2018	Variabel terikat : Keuangan Inklusif pada UMKM di Indonesia	Kualitatif	Kehadiran sejumlah perusahaan fintech turut berkontribusi dalam pengembangan UMKM. Tidak hanya sebatas membantu pembiayaan modal usaha, peran Fintech juga sudah merambah ke berbagai aspek seperti layanan pembayaran digital dan pengaturan keuangan.
Muhammad Mufli	2017	Variable bebas : FinTech berbasis crowdfunding	Kualitatif	Inovasi islamic financial techology akan menjadi strategi baru dalam mengoptimalkan pengembangan produk keuangan syariah yang memanfaatkan perkembangan teknologi dan informasi disektor keuangan. Tanimadani.com merupakan gagasan start up islamic financial techology berbasis crowdfunding platform untuk pembiayaan usaha sektor pertanian yang masih beskala UMKM.
Pipit Buana Sari, Handriyani Dwilita	2018	Variabel terikat : Sisi Literasi Keuangan, Inklusi Keuangan dan Kemiskinan	Kualitatif	Indeks literasi keuangan nasional tahun 2016 menurut survei OJK sebesar 29.66 % mengalami peningkatan dibandingkan tahun 2013 sebesar 21.84 %. Secara sektoral perbankan yang tertinggi sebesar 28.94% dan terendah pasar modal sebesar 4.40%.
Tri Inda Fadhila Rahma	2018	Variabel terikat : Penggunaan FinTech	Kualitatif	Keberadaan fintech yang menjadikan inovasi keuangan model terbaru di Indonesia karna telah memberikan kemudahan masyarakat dalam melakukan proses transaksi keuangan, sehingga menimbulkan sikap masyarakat untuk mendukung adanya keberadaan fintech dan kemudian merasa senang menggunakan layanan tersebut.
Muhamad Sandy	2017	Variable bebas : BOPO, NPF, ROA, Teknologi (electronic banking) Variable terikat : Pangsa Pasar Perbankan Syariah.	Kuantitatif	Variable BOPO, NPF, ROA,Teknologi (electronic banking) mempunyai pengaruh yang signifikan terhadap market share. Dari keempat variabel tersebut variabel Electronic Banking adalah paling signifikan.

Referensi :

https://www.bi.go.id/id/edukasi-perlindungan-konsumen/edukasi/produk-dan-jasa-sp/fintech/Pages/default.aspx (diakses 17/10/2018)

https://blog.danabijak.com/sejarah-dan-perkembangan-fintech/  (diakses 17/10/2018)

https://www.cnbcindonesia.com/fintech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia  (diakses 17/10/2018)

http://repository.uinjkt.ac.id/dspace/bitstream/123456789/37647/2/MUHAMAD%20SANDY-FEB.pdf(diakses 20/10/2018)

Muzdalifa Irma, Rahmah Inayah Aulia, Novalia Bella Gita. 2018. PERAN FINTECH DALAM MENINGKATKAN KEUANGAN INKLUSIF PADA UMKM DI INDONESIA. Vol. 3, No. 1, 2018 ISSN: 2527–6344.

Mufli, M. 2017. RANCANG BANGUN MODEL BISNIS ISLAMIC FINANCIAL TECHOLOGY BERBASIS CROWDFUNDING PEMBIAYAAN USAHA MIKRO SEKTOR PERTANIAN. Volume 3, Nomor 1, Juni 2017 ISSN: 2442-4455.

Sari Pipit Buana, Dwilita Handriyani. 2018. PROSPEK FINANCIAL TECHNOLOGY (FINTECH) DI SUMATERA UTARA DILIHAT DARI SISI LITERASI KEUANGAN, INKLUSI KEUANGAN DAN KEMISKINAN. Vol.19 No.2 Maret 2018 ISSN: 1693-0164.

Rahma, Tri Inda Fadhila. 2018. PERSEPSI MASYARAKAT KOTA MEDAN TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH) .Vol. III, No. 1, 2018: 642 – 661.

Sandy M. 2017. ANALISIS PENGARUH FAKTOR-FAKTOR KINERJA DAN ASPEK TEKNOLOGI TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA[Tesis]. Jakarta(ID): Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta.