Nama: Sitti Nuraidah Meirani

Kelas: XII-4

BAB 4

Writing P.166

ANSWER:

Text 1: Pro and cons of the future payment method: Cashless

Issue: The introduction of cashless payment methods.

Argument for:

* Convenience and speed of transactions.

* Reduced risk of theft and loss of cash.

* Easier tracking of expenses.

* Promotes financial inclusion.

Argument against:

* Security concerns related to hacking and fraud.

* Potential for overspending.

* Exclusion of those without access to technology or bank accounts.

* Dependence on technology and internet connectivity.

Conclusion: Cashless payment methods offer significant advantages, but it's important to
address the potential drawbacks and ensure inclusivity.

Text 2: Shall financial literacy be taught at school?

Issue: Whether financial literacy should be included in the school curriculum.

Argument for:

* Essential life skill for managing personal finances.

* Helps young people make informed financial decisions.

* Prepares students for future financial challenges.

Argument against:

* Curriculum is already packed, adding another subject may be difficult.

* Some argue it's the responsibility of parents, not schools.

* Concerns about the quality of financial literacy education.

* Potential for financial education to be biased or ineffective.

Conclusion: Teaching financial literacy at school is crucial for equipping students with the
knowledge and skills they need to succeed in the modern world. However, it's important to
ensure that the curriculum is well-designed and that teachers are adequately trained.

While Writing P.16-168

ANSWER:

[Link] is the main reason for people to shop online?

Answer: Based on the survey, the main reason people shop online is convenience.

2. What is the main reason for people to shop in-store?

Answer: Based on the survey, the main reason people shop in-store is to see and try the goods
directly.

3. What impacts does online shopping bring to society?

Answer: The impacts of online shopping on society include:

* Changes in consumer behavior.

* Growth of e-commerce and online businesses.

* Impacts on traditional retail businesses.

* Changes in logistics and delivery.

[Link] you prefer to shop online or in-store? Explain.

Answer: This is a personal question, and answers will vary. Examples:

"I prefer to shop online because it's more practical and I can easily compare prices. However,
for certain items like clothing, I prefer to shop in-store to try them on."
Assesment P.174

ANSWER:

Reasons of Online Food Shopping Preferences:

* Convenience: Online applications offer remarkable convenience. Users can order food
anytime, anywhere with just a few taps on their phones.

* Variety of Choices: These applications provide access to a wide range of restaurants and
cuisines, often more than what is available in the user's local area.

* Promotions and Discounts: Many applications offer promotions, discounts, and loyalty
programs that make online food purchases more affordable.

* Time-Saving: Ordering food online saves the time that would otherwise be spent on grocery
shopping, cooking, or going to restaurants.

* Reviews and Recommendations: Users can read reviews and see restaurant ratings before
ordering, helping them make better decisions.

Impacts of Online Food Shopping Preferences:

* Lifestyle Changes: Reliance on online food can reduce cooking skills and alter traditional
eating patterns.

* Economic Impact: Increased demand for online food benefits restaurants that partner with
applications but can harm small restaurants that lack an online presence.

* Social Impact: Online food can reduce the social interaction that occurs when eating at
restaurants or cooking with family.

* Health Issues: Excessive consumption of processed and fast food from online orders can
negatively impact health.

* Environmental Impact: The use of disposable food packaging and frequent deliveries can
increase waste and carbon emissions.
Enrochment P.178

ANSWER:

Analysis of Online Shopping Chart: Men vs. Women

The chart presents the percentage data of men and women who engage in online shopping for
various purposes. Let's look at the key points:

General Comparisons:

Grocery Shopping:

* Women: 72%

* Men: 68%

* Women are slightly more active in online grocery shopping.

Finding Best Deals:

* Women: 46%

* Men: 40%

* Women are significantly more active in finding the best deals online.

* Buying Gifts:

* Women: 25%

* Men: 23%

* Women are slightly more active in buying gifts online.

Buying Clothes:

* Women: 30%

* Men: 32%

* Men are slightly more active in buying clothes online.

Buying Electronics:

* Women: 35%
 * Men: 37%

* Men are slightly more active in buying electronics online.

Shopping for Hobby Items:

* Women: 18%

* Men: 39%

* Men are significantly more active in shopping for hobby items online.

Finding Unique Items:

* Women: 10%

* Men: 18%

* Men are significantly more active in finding unique items online.

Summary:

* Women are more likely to use online shopping for grocery shopping, finding the best deals,
and buying gifts. This indicates that women are more focused on the practical and social aspects
of online shopping.

* Men are more likely to use online shopping for hobby items and finding unique items. This
indicates that men are more focused on personal interests and specialty items.

* For buying clothes and electronics, the percentages between men and women are relatively
close.

Conclusion:

This chart shows a clear difference in online shopping preferences between men and women.
Women tend to use online platforms for everyday needs and social-oriented shopping, while men
focus more on purchases related to hobbies and personal interests.