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Nama Mata Kuliah : Bahasa Inggris Niaga

Kode Mata Kuliah : ADB14201
Jumlah sks : 2 sks
Nama Pengembang : Dra. Sharifah Hanidar, M.Ed.
Nama Penelaah : Drs. Agus Riyanto, M.Ed.
Status Pengembangan : Baru
Tahun Pengembangan : 2019
Edisi Ke- : 1

Text 1: Definition of Financial Intermediaries

A financial intermediary is a financial institution such as bank, building society,
insurance company, and investment bank or pension fund.
A financial intermediary offers a service to help an individual/ firm to save or
borrow money. A financial intermediary helps to facilitate the different needs of
lenders and borrowers. For example, if you need to borrow £1,000 – you could try
to find an individual who wants to lend £1,000. But, this would be very time
consuming and you would find it difficult to know how reliable the lender was.
Therefore, rather than looking for individuals to borrow a sum, it is more efficient
to go to a bank (a financial intermediary) to borrow money. The bank raises funds
from people looking to deposit money, and so can afford to lend out to those
individuals who need it.
Pettinger, T. (2017, November 26). Definition of Financial Intermediaries. Retrieved
from economics

Text II: What is Frictional Unemployment?

With frictional unemployment taking place as people transition from one job to the
next, it is mostly temporary. Even though it is transient people prefer to avoid this
often short period of unemployment, so much so they search for a new job while
working in their current one, and switch from one to the other seamlessly.

Frictional unemployment is an indelible component of an economy. Additionally

movement from one job to another happens more often when the economy is
healthy. It also provides several benefits to an economy as companies can find
employees that are a better fit for a job, and have the right type of qualifications.
While frictional unemployment is always present, it decreases sharply when the
economy is in recession and the amount of jobs available is minimal. Healthy
economies that have low unemployment rates result in people spending less
amount of time without a job. They can therefore move to better paying jobs or
those that are a closer match to their skill set without going through a prolonged
frictional unemployment phase.

What is Frictional Unemployment? Retrieved from

No Tugas Tutorial Sumber Tugas Tutorial
1. What is the role of a financial 1 Module 3: Mahasiswa
intermediary? diharapkan mampu
A. It facilitates the different needs of memahami istilah ekonomi
lenders and borrowers. yaitu financial
B. It lends moneys to individuals. intermediary.
C. It connects lenders and lenders.
D. It helps people to have their
property insured.
2. What is the disadvantage of borrowing 1 Module 3: Mahasiswa
money from an individual as diharapkan mampu
mentioned in the text? memahami istilah ekonomi
A. Long term commitment yaitu financial
B. High interest intermediary.
C. Time consuming
D. Complicated
3. How do banks as a financial 1 Module 3: Mahasiswa
intermediary raise funds? diharapkan mampu
A. From trade development memahami istilah ekonomi
B. From customers’ money deposits yaitu financial
C. From investment promotion intermediary.
D. From huge assets
4. What is the main idea of the second 1 Module 3: Mahasiswa
paragraph of text II? diharapkan mampu
A. The significance of frictional memahami istilah ekonomi
unemployment. yaitu frictional
B. The reason why frictional unemployment.
unemployment is a bad thing.
C. The companies’ impact on
D. The reason why unemployment

5. When does frictional unemployment 1 Module 3: Mahasiswa

often occur? diharapkan mampu
A. Once every two years memahami istilah ekonomi
B. During the retirement period yaitu frictional
C. After one graduates from unemployment.
D. During a healthy economic

6. What can companies benefit from 1 Module 3: Mahasiswa

frictional unemployment? diharapkan mampu
A. Lower taxes memahami istilah ekonomi
B. Decreasing the risk of going yaitu frictional
out of business unemployment.

C. Lowering the number of job

D. Getting employees who have
the right type of qualifications.