Sabtu, 14 April 2018

Example Question Structure and Written Expression TOEFL

Structure

  1. Vegetables are an excellent source ________ vitamins.
(A) have
(B) of
(C) where
(D) contain

  1. Microscopes make small things appear larger than ________.
(A) really are
(B) are really
(C) are they really
(D) they really are

  1. The city of Montreal ________ on an island in the Saint Lawrence River.
(A) was built
(B) has built
(C) that built
(D) built

  1. A singer's struggle to succeed in popular music is the kind of story ________ a fascinating film could be made.
(A) with
(B) by
(C) for whom
(D) about which

  1. In the past, lions _______ common in many parts of the world.
(A) were
(B) once
(C) when
(D) only

  1. by 1872 the United States had 70 engineering colleges, _______ astonishing expansion credited largely to the Morrill Act of 1862.
(A) because
(B) an
(C) to which
(D) was

  1. The artist Romare Bcarden was _______ whose yellows, deep blues, and fuchsias contrasted strongly with photographic gray in his bright collages.
(A) with a gift for color
(B) a gifted colorist
(C) a gift with colorful
(D) gifted with coloring

  1. The most important chemical catalyst on this planet is chlorophyll, _______carbon dioxide and water react to form carbohydrates.
(A) whose presence
(B) which is present
(C) presenting
(D) in the presence of which

  1. One theory of the origin of the universe is _______from the explosion of a tiny, extremely dense fireball several billion years ago.
(A) because what formed
(B) the formation that
(C) that it formed
(D) when forming

  1. Roads in the United States remained crude, _______ with graved or wood planks, until the beginning of the twentieth century.
(A) were unsurefaced or they covered them
(B) which unsureface or covered
(C) unsurfaced or covered them
(D) unsurfaced or covered

  1. portrait prints were the first reproductions of American paintings _______ widely distributed in the United States.
(A) were
(B) that which
(C) that being
(D) to be

  1. Abigail Adams was prodigious letter writer, _______ many editions of her letters have been published.
(A) who
(B) and
(C) in addition to
(D) due to

  1. In geometry, an ellipse may be defined as the locus of all points _______distances from two fixed points is constant.
(A) which as the sum of
(B) of the sum which
(C) whose sum of whose
(D) whose sum that the

  1. _______at the site of a fort established by the Northwest Mounted Police, Calgary is now one of Canada’s fastest growing cities.
(A) Built
(B) It is built
(C) To build
(D) Having built

  1. An image on a national flag can symbolize political ideals that _______express.
(A) take many words to otherwise would.
(B) would take to many otherwise words
(C) many words to take would otherwise
(D) would otherwise take many words to


Answer
BDADA BBDCD DBCAD



Written Expression


  1.   When a (A) severe ankle (B) injury forced (C) herself to give up reporting in 1926, Margaret Mitchell (D) began writing her novel, Gone with the Wind.
  2. (A) The pineapple, a fruit (B) grow in tropical climates (C) throughout the world, (D) is native to parts of South America.
  3. Canals are (A) artificial waterways, often constructed (B) either to transport heavy loads or to (C) delivering water (D) to cities and farms.
  4. Anne Elizabeth McDowell is (A) best (B) remembered for a (C) weekly journal, Woman's Advocate, (D) who she launched in January 1855.
  5. A ray of light passing (A) through (B) the center of a thin lens (C) keep its (D) original direction.
  6. A (A) variation of collodion photography was the tintype, (B) which captured images on a black (C) or dark brown metal plate (D) instead from on glass.
  7. (A) In cases of minor injury (B) to the brain. Amnesia is (C) likely to be a (D) temporarily condition.
  8. The (A) system of chemical symbols, first devised about 1800. gives a concise and (B) instantly recognizable description of (C) a element (D) or compound.
  9. (A) The fact that white light is light (B) composed of various wavelengths may be (C) demostrating by dispersing a beam of (D) such light through a prism.
  10. (A) Over the course of history, (B) much civilizations developed (C) their own number (D) systems.
  11. In the United States during the Second World War, (A) each trade unions (B) and employers avoided federal limits on wages (C) by offering (D) employees nontaxable medical benefits.
  12. Philosophy is the (A) study of the nature of reality, knowledge, (B) existent, and (C) ethics (D) by means of rational inquiry.
  13. Poems vary in (A) length (B) from brief lyric poems to (C) narrative or epic poems, which can be as broad in scope (D) than a novel.
  14. The population of California (A) more than doubled (B) during the period 1940-1960, creating problems in road-building and (C) provide water for its arid (D) southern section.
  15. Although (A) based it on feudal models, the colony of Pennsylvania (B) developed a (C) reputation for a (D) progressive political and social outlook


Answer
CBCDC DDCCB ABDCA

Menghitung kredit flat rate dan sliding rate

Contoh Kasus


Pada tanggal 25 Maret 2006 PT. Andika Karya Tuan Andi mendapat persetujuan pinjaman investasi dari Bank ABC senilai Rp. 60.000.000,- untuk jangka waktu 1 tahun. Bunga yang dibebankan sebesar 24% pa.
Hitunglah cicilan setiap bulannya jika di hitung dengan metode Flat.dan Sliding rate

Cara Mengerjakan Metode Flat Rate

Menghitung cicilan pokok per bulan sebagai berikut  :
Cicilan Pokok yang harus dibayar setiap bulan adalah
cicilan pokok = pokok pinjaman / bulan selama pinjam
cicilan pokok = Rp. 60.000.000 / 12 bulan = Rp. 5.000.000

Selanjutnya menghitung bunga (BG) per tahun adalah
BG = bunga x pokok pinjaman x 1 / 12 bulan
BG = 24% x Rp. 60.000.000 x 1 / 12 bulan = Rp. 1.200.000

Jadi jumlah angsuran setiap bulan adalah
Pokok pinjaman Rp. 5.000.000
Bunga Rp. 1.200.000

Tabel Perhitungan Flat Rate


Cara Mengerjakan Metode Sliding Rate

Bunga = %bunga 1 tahun x (sisa pinjaman) : 12 bulan 

Angsuran bulan ke-1 adalah 
- Pokok pinjaman                   Rp. 5.000.000
- Bunga = 24% x Rp. 60.000.000 : 12 bulan =  Rp 1.200.000
                                                                                 
Jumlah Angsuran 1          Rp. 6.200.000

Angsuran bulan ke-2 adalah 
- Pokok pinjaman                   Rp. 5.000.000
- Bunga = 24% x Rp. 55.000.000 : 12 bulan =  Rp 1.100.000
                                                                                
Jumlah Angsuran 2          Rp. 6.100.000

Demikian pula seterusnya untuk bunga bulan ke 3 sampai bulan 12 perhitungan bunganya tetap dihitung dari sisa pinjamannya. 

Tabel Perhitungan Sliding Rate