Modul Ajar Bahasa Inggris Kelas 11 SMA: Financial Literacy and Smart Budgeting (Discussion Text) (Bab 3)

Struktur teks diskusi bertema literasi keuangan generasi muda, analisis pro-kontra dompet digital (e-wallet) vs uang tunai, penggunaan contrasting conjunctions (however, on the other hand), dan simpulan berimbang.

Capaian dan tujuan pembelajaran

Peserta didik mampu menganalisis struktur teks diskusi dan membandingkan sudut pandang pro-kontra terkait isu finansial.
Peserta didik mampu menggunakan konjungsi perlawanan dan kosakata ekonomi dalam menyusun argumen berimbang.
Peserta didik mampu menulis teks diskusi objektif dan merumuskan simpulan finansial yang bijak.

Materi pokok & uraian konsep pembelajaran

Discussion texts explore contentious topics or dual-perspective issues by presenting arguments for and against before reaching a well-balanced conclusion or recommendation. Developing financial literacy empowers adolescents to make informed decisions regarding saving, investing, budgeting, and debt management.

The organizational framework of a discussion text begins with an Issue (defining the scope of the debate), followed by Arguments For (with supportive evidence), Arguments Against (with counter-points), and concludes with a balanced Synthesis or Recommendation.

Linguistic features encompass contrastive and concessive conjunctions (*however*, *nevertheless*, *on the contrary*, *in spite of*), neutral modal expressions, and domain-specific financial terminology such as compound interest, liquidity, and inflationary risk.

Peta subtopik bahasan

Structure and Dual Perspectives in Discussion Texts
Formulating balanced statements on topics such as cashless payments and student credit.
Contrasting and Concessive Connectors
Using 'on the other hand', 'whereas', 'conversely', and 'while' to bridge contrasting views.
Financial Vocabularies and Economic Concepts
Mastering terms like emergency fund, passive income, diversification, and nominal value.
Writing a Balanced Discussion Essay on Cashless Society
Drafting an essay analyzing the advantages and vulnerabilities of fintech applications.

Istilah kunci dan glosarium

Discussion Text: A text type that presents at least two distinct perspectives or arguments regarding a controversial issue.
Issue: The introductory part of a discussion text introducing the central controversy to be analyzed.
Contrasting Conjunction: Connectors used to show contrast or opposition between two distinct clauses (e.g., *however*, *on the other hand*).
Cashless Economy: An economic environment in which financial transactions are conducted digitally rather than with physical banknotes.
Compound Interest: Interest calculated on both the initial principal sum and the accumulated interest from previous periods.

Instrumen asesmen formatif & contoh soal pembelajaran

5 butir instrumen soal pilihan ganda berbasis HOTS untuk mengukur pemahaman konsep pada bab ini. Dilengkapi kunci jawaban dan uraian pembahasan analitis.

Soal 1

What is the primary role of the 'Issue' paragraph in a discussion text?

A. To introduce the topic and state the existence of conflicting viewpoints
B. To declare one side of the argument as strictly wrong immediately
C. To provide a detailed biography of the economist who invented money
D. To describe a personal anecdote about buying groceries