Contoh Percakapan Asking and Giving Opinion XI PBS

 

Dialogue 1

Characters:

• Aisha: A student considering saving options.
• Hasan: Aisha's friend.

 

Aisha     : Hey Hasan, can I ask for your opinion about something?

Hasan   : Sure, Aisha! What's on your mind?

Aisha     : I'm thinking about saving money. My mom always tells me to save at home, you know, in a piggy bank. What do you think about that? Is it a good idea?

Hasan   : Hmm, saving at home is definitely easy, right? You can always access your money directly, any time you need it.

Aisha     : That's true! I like that part.

Hasan   : But there's also a risk of losing it, like if someone takes it, or maybe you spend it too easily. If the money is always there, it's tempting to use it for snacks or small things.

Aisha     : Oh, that's so true! Sometimes I do take money out for snacks. It's hard to keep it there. 

Hasan    : Right? So, while it feels very direct, it might not be the safest or most disciplined way to save for bigger goals. It's good for small amounts, maybe.

Aisha     : I see what you mean. It's convenient but has its downsides.

Answer the Question below based on the text.

1. What is Aisha thinking about?

2. Where did Aisha's mother suggest she save her money?

3. According to Hasan, what is a benefit of saving money at home?

4. What are the risks of saving money at home, according to Hasan?

5. Why does Aisha admit that saving in a piggy bank is difficult?

Dialogue 2

Characters:

• Aisha: A student considering saving options.
• Hasan: Aisha's friend, who knows a bit about Islamic banking.

 

Aisha  :     Hasan, what's the difference between a regular bank and an Islamic Bank? I heard our school has an Islamic bank. I'm thinking about saving there.

Hasan :     Oh, big difference! In a regular bank, your money usually earns interest. But in an Islamic Bank, they operate based on Sharia principles. This means they don't deal with Riba (interest).

Aisha  :     No interest at all? How does that work?

Hasan :     Instead of interest, they use concepts like Wadiah for savings. It's like a safe keeping. You deposit your money, and the bank keeps it for you. Sometimes, they might give you a Hibah (gift) as a token of appreciation, but it's not a guaranteed profit like interest.

Aisha  :     So, no fixed extra money, just security?

Hasan :     Exactly. The idea is to avoid Riba, which is prohibited in Islam. For earning something, they might offer investment products like Mudharabah, where you share the actual profit-loss sharing from a venture with the bank. You share the risk and potential profit.

Aisha  :     I see. My mom also talks about Zakat. Does that connect to Islamic banks?

Hasan :     Yes! Many Islamic Banks offer services to help you calculate and even distribute your Zakat. It’s part of their commitment to the Islamic ecosystem. It helps with your finance management ethically.

Aisha  :     That's really helpful, Hasan! So, your opinion is that saving in an Islamic Bank is better than just keeping money at home for safety, and it's also Sharia-compliant.

Hasan :     For me, yes. It provides better security than saving at home, and you know your money is managed according to ethical principles. Plus, they have a formal system for your deposit.

Aisha  :     Thanks! I think I'll go with the Islamic Bank. It sounds more secure and ethical.

Hasan :     Great choice, Aisha!