💰 MATERI NO. 59 — MONEY & BANKING — UANG & PERBANKAN
Topik: Money & Banking
90 Menit
Siswa, Umum
Daftar Isi
🗓️ PEMBAGIAN WAKTU
| Bagian | Durasi |
|---|---|
| 📌 Pembukaan | 5 menit |
| 🗣️ Speaking (4 Tingkat) | 25 menit |
| 📖 Grammar & Kosakata | 25 menit |
| ✏️ Latihan | 15 menit |
| 🎮 Permainan Kelas | 15 menit |
| 📝 Penutup & Rangkuman | 5 menit |
🗣️ BAGIAN 1 — SPEAKING
Berbicara tentang Uang, Tabungan, Transaksi & Biaya Hidup
🟢 LEVEL 1 — DASAR
A: How much is this book?
A: Berapa harga buku ini?
B: It’s fifty thousand rupiah.
B: Lima puluh ribu rupiah.
A: Do you have any money with you?
A: Apakah kamu membawa uang?
B: Yes, I do. I have some cash.
B: Ya, saya membawa. Saya punya uang tunai.
A: Do you have a bank account?
A: Apakah kamu punya rekening bank?
B: Yes, I do. I save my money there.
B: Ya, saya punya. Saya menabung uang saya di sana.
💡 Latihan: Berpasangan — Tanyakan harga barang dan apakah teman punya rekening bank. Gunakan pola: "How much is…? / Do you have…? / I save…"
🟡 LEVEL 2 — MENENGAH
A: How much money do you spend every month?
A: Berapa uang yang kamu habiskan setiap bulan?
B: I spend about three hundred thousand rupiah.
B: Saya menghabiskan sekitar tiga ratus ribu rupiah.
A: Do you save the rest?
A: Apakah kamu menabung sisanya?
B: Yes, I put some money in the bank every month.
B: Ya, saya menaruh sebagian uang di bank setiap bulan.
A: Do you use a debit card?
A: Apakah kamu menggunakan kartu debit?
B: Yes, it’s easier than carrying cash.
B: Ya, lebih mudah daripada membawa uang tunai.
💡 Latihan: Berpasangan — Tanyakan pengeluaran dan kebiasaan menabung. Gunakan: "How much do you spend? / Do you save…? / It’s easier than…"
🟠 LEVEL 3 — LANJUT
A: How much does it cost to live in this city?
A: Berapa biaya hidup di kota ini?
B: It depends, but it’s more expensive than last year.
B: Tergantung, tapi lebih mahal dibanding tahun lalu.
A: Really? Is the rent higher too?
A: Benarkah? Apakah biaya sewa juga lebih mahal?
B: Yes, everything is more expensive now. Food, transport, and rent.
B: Ya, semuanya lebih mahal sekarang. Makanan, transportasi, dan sewa.
A: Do you prefer paying by cash or by bank transfer?
A: Apakah kamu lebih suka membayar tunai atau transfer bank?
B: I usually use mobile banking. It’s faster and safer.
B: Saya biasanya pakai m-banking. Lebih cepat dan lebih aman.
💡 Latihan: Berpasangan — Bandingkan biaya hidup dan cara membayar. Gunakan: "It’s more expensive than… / Do you prefer…? / It’s faster and safer."
🔴 LEVEL 4 — MAHIR
A: Have you noticed the rising cost of living recently?
A: Pernahkah Anda memperhatikan kenaikan biaya hidup belakangan ini?
B: Yes, absolutely. Prices have increased significantly over the last six months.
B: Ya, tentu saja. Harga-harga naik cukup besar dalam enam bulan terakhir.
A: Exactly. That’s why I’ve started saving more carefully.
A: Tepat sekali. Itulah sebabnya saya mulai menabung dengan lebih berhati-hati.
B: Wise decision. It’s also important to compare prices before buying.
B: Keputusan yang bijak. Penting juga untuk membandingkan harga sebelum membeli.
A: I agree. Online banking has made managing our finances much easier.
A: Saya setuju. Perbankan daring telah mempermudah pengelolaan keuangan kita.
B: True. But we also need to be careful with online security.
B: Benar. Tapi kita juga harus berhati-hati dengan keamanan daring.
💡 Latihan: Berdiskusi berkelompok — Bahas biaya hidup, kebiasaan menabung, dan keamanan transaksi. Gunakan: "Prices have increased… / That’s why… / It has made… easier."
📖 BAGIAN 2 — GRAMMAR
📌 Fokus Tata Bahasa
Comparatives — Perbandingan (lebih… daripada) · Need / Have to — Kebutuhan & Kewajiban · Will — Keputusan & Prediksi · Kata Keterangan Jumlah & Uang
📋 TABEL KOSAKATA PENTING
| Kata Benda (Noun) | Arti | Kata Kerja (Verb) | Arti | Kata Sifat (Adjective) | Arti |
|---|---|---|---|---|---|
| money | uang | pay | membayar | expensive | mahal |
| cash | uang tunai | save / save up | menabung | cheap | murah |
| bank account | rekening bank | spend | membelanjakan | affordable | terjangkau |
| price | harga | cost | berharga | monthly | bulanan |
| bill | tagihan | withdraw | menarik uang | safe | aman |
| rent | sewa | deposit | menyetor uang | convenient | praktis |
| card | kartu | exchange | menukar (uang) | ||
| loan | pinjaman | afford | mampu membeli |
📋 TABEL POLA KALIMAT UTAMA
| Tujuan | Pola Kalimat | Contoh |
|---|---|---|
| 💰 Menanyakan harga | How much + is / are + benda? | How much is this shirt? |
| 💰 Menanyakan biaya | How much does it cost? / It costs… | It costs 50,000 rupiah. |
| 💰 Membandingkan harga | It is + more / less + adjective + than… | This is more expensive than that. |
| 💰 Menyatakan kebutuhan | I need / I have to + V1… | I need to save money. |
| 💰 Menyatakan keputusan masa depan | I will + V1… | I will open a bank account. |
| 💰 Membandingkan jumlah | More / less than / as much as… | I spend less than you. |
✏️ LATIHAN GRAMMAR
Bagian A — Lengkapi dengan bentuk perbandingan yang tepat
- This phone is ______ (expensive) than that one.
- A bicycle is ______ (cheap) than a car.
- Living in the city is ______ (expensive) than in the village.
- Online payment is ______ (easy) than cash.
- Gold is ______ (expensive) than silver.
Bagian B — Pilih kata yang tepat (need / have to / will)
- I ______ save money because I want to buy a new laptop. (need / have to)
- You ______ pay the bill before Friday. (need / have to)
- Next year, I ______ open a savings account. (will / need)
- We ______ compare prices before buying. (have to / will)
- She ______ work to earn money for her family. (has to / will)
Bagian C — Susun kalimat dari kata-kata berikut
- much / is / how / book / this
- expensive / is / this / more / that / than
- save / every / money / I / month
- bank / have / I / account / a
- pay / prefer / I / card / by / to
✅ KUNCI JAWABAN
Bagian A
- more expensive
- cheaper
- more expensive
- easier
- more expensive
Bagian B
- need to
- have to
- will
- have to
- has to
Bagian C
- How much is this book?
- This is more expensive than that.
- I save money every month.
- I have a bank account.
- I prefer to pay by card.
🎮 KEGIATAN AKTIF
2 Permainan (20 Menit)
🎯 Permainan 1: 🛒 Toko Serba Ada — Negosiasi Harga (10 Menit)
- Cara bermain: Berpasangan — satu orang sebagai Penjual, satu sebagai Pembeli. Penjual memberi harga barang, pembeli menawar. Gunakan pola: "How much is this? / It’s… / That’s too expensive. Can you give me a discount? / I can pay… / OK, it’s a deal!"
- Barang: Buku, tas, pakaian, makanan. Harga bervariasi. Tujuan: mencapai kesepakatan harga yang disetujui kedua pihak.
- Waktu: 5 menit latihan, lalu beberapa pasang tampil di depan kelas.
🎯 Permainan 2: 🏦 Rencana Keuangan — Anggaran Bulanan (10 Menit)
- Cara bermain: Peserta berkelompok 3–4 orang. Diberikan pendapatan bulanan fiktif (misal: Rp 2.000.000). Harus mengatur: makanan, transportasi, sewa, tabungan, hiburan. Hitung total pengeluaran. Apakah sisa atau kurang?
- Gunakan: "We need… / It costs… / This is more expensive than… / We will save…"
- Tujuan: Melatih kemampuan mengelola uang dan membandingkan biaya.
📝 RANGKUMAN
| Hal Penting | Contoh |
|---|---|
| How much…? → menanyakan harga | How much is this bag? |
| More / less + adjective + than → perbandingan harga | This is cheaper than that. |
| Need to / Have to → kebutuhan & kewajiban | I need to save money. / You have to pay. |
| Will → rencana masa depan | I will open a bank account. |
| Prefer to… → menyatakan pilihan | I prefer to pay by card. |
🎯 Target Pencapaian 90 Menit:
Peserta mampu menanyakan & menyebutkan harga barang, membandingkan biaya hidup dan harga, menggunakan need/have to untuk kebutuhan dan will untuk rencana, serta berlatih transaksi sederhana seperti membayar, menabung, dan menawar harga. Semua tingkatan dapat berpartisipasi aktif dalam diskusi dan permainan.