12/18/2016

Q1
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

WhathasadverselyaffectedthesuccessofmicrofinanceinstitutionsintheUS?

A.Thefocusoftheseinstitutionsisonmakingaprofitatanycostinsteadofbeingcharitabletothe
needy.

B.Americanbanksengagedinmicrolendingwerethemostseverelyhitduringtherecession

C.Widespreadperceptionamongbankersthattheseinstitutionsarebettersuitedtodeveloping
countries

D.Theirfailuretoattractthoseoutsidetheformalbankingsystemascustomers

E.Americansaretooproudtoacceptaidfromthirdworldcountries

YourAnswer:A

CorrectAnswer:D.Theirfailuretoattractthoseoutsidetheformalbankingsystemascustomers

Q2
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
1/18
12/18/2016
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

WhyhasGrameenmadeasecondattempttolaunchitselfintheUS?

A.ThewillingnessofUSbankstoprovidethenecessarystaffandfundstofacilitatethespreadof
microfinance

B.TheratesofinterestonloansintheUSareexorbitantmakingiteasiertorecovercapital

C.TherealizationthatalargepercentageoftheAmericanpopulationnotreachedbymainstream
bankscanbetapped

D.Recognitionofthefactthatdisbursingcreditindevelopingcountriesduringtherecessionistoo
risky

E.Noneoftheabove

YourAnswer:C

CorrectAnswer:C.TherealizationthatalargepercentageoftheAmericanpopulationnotreachedby
mainstreambankscanbetapped

Q3
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
2/18
12/18/2016
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

Whichofthefollowingcanbeinferredfromthepassage?

A.MicrofinancehasbeensuccessfulonlyinAsiancountries

B.Microfinancemakesindividualborrowersdependentratherthanindependent

C.Americahasthelargestnumberofbanksintheworld

D.ThereIsscopeformicrofinanceinstitutionstobeprofitableindevelopedcountries

E.Therearenoinformalsourcesofcreditindevelopedcountries

YourAnswer:D

CorrectAnswer:D.ThereIsscopeformicrofinanceinstitutionstobeprofitableindevelopedcountries

Q4
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
3/18
12/18/2016
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

Accordingtotheauthor,whathasenhancedthelikelihoodofsuccessforGrameenAmericaatpresent?

A.ItssuccessinBangladeshandotherdevelopingcountries

B.Absenceofothermicrofinanceinstitutionsforcompetition

C.ThefactthatAmericaiscurrentlyinthemidstofrecession

D.Itprovidesloansatnominalratesofinteresti.e.,below15%

E.Noneoftheabove

YourAnswer:E

CorrectAnswer:E.Noneoftheabove

Q5
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
4/18
12/18/2016
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

WhichofthefollowingcanbesaidaboutGrameen?
(A)Itssuccessindevelopingcountrieswillensureitssuccessindevelopedcountries.
(B)Itensuresthatthepoorindevelopingcountriesenjoyasubsistencestandardofliving.
(C)Ithasdemonstratedthatthepoorarefarmorelikelytorepayloansthantheaffluent.

A.None

B.OnlyA

C.AandC

D.OnlyB

E.OnlyC

YourAnswer:NotAttempted

CorrectAnswer:E.OnlyC

Q6
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare

5/18
12/18/2016
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

Whatisthecentralthemeofthepassage?

A.ThecontentionthatGrameenisdoomedtofailindevelopedcountries

B.AcomprehensiveevaluationofthecurrentstatusoftheAmericaneconomy

C.AdiscussionabouttheprospectsofGrameenandmicrofinanceintheUS

D.Theroleofbanksinfacilitatingmicrolendingeffortsindevelopednations

E.Microfinanceeffortsareusefulindevelopingcountriesbutarefutileindevelopedones

YourAnswer:E

CorrectAnswer:C.AdiscussionabouttheprospectsofGrameenandmicrofinanceintheUS

Q7
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

WhywasGrameenAmerica'sinitialUSinitiativeaflop?
(A)LackofpropertrainingtoGrameenAmericapersonnel.
(B)Grameen'srefusaltoadapttheirsystemtomeettheneedsoftheAmericanpoor.
(C)Itendedupgivingloansathalftheircustomaryratesofinterest.

6/18
12/18/2016
A.None

B.OnlyA

C.AandC

D.OnlyB

E.OnlyC

YourAnswer:E

CorrectAnswer:E.OnlyC

Q8
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

WhichofthefollowingisabenefitoftheGrameensystemofmicrofinance?

A.Ifasinglememberisunabletorepayaloanothergroupmemberswillrepayit

B.Dispensingwiththeexpenseoftechnologynetworkstomonitoradvances

C.Itutilisesthevastbanknetworkalreadyexistinginacountry

D.Groupmemberscansanctionloansandverifyifborrowershavesufficientcollateral

7/18
12/18/2016
E.Backingthatborrowersreceivefromothergroupmembers

YourAnswer:E

CorrectAnswer:E.Backingthatborrowersreceivefromothergroupmembers

Q9
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

Whichofthefollowingismostsimilarinmeaningtotheword"Eluded"asusedinthepassage?

A.Avoided

B.Duped

C.Abandoned

D.Intangible

E.Betrayed

YourAnswer:E

CorrectAnswer:A.Avoided

8/18
12/18/2016
Q10
Directions(110):Readthefollowingpassagecarefullyandanswerthequestionsgivenbelowit.
Certainwordshavebeenprintedinboldtohelpyoutolocatethemwhileansweringsomeofthe
questions.Today,withaNobelPrizetoitscredit,Grameenisoneofthelargestmicrofinance
organizationsintheworld.ItstartedoutlendingsmallsumstopoorentrepreneursinBangladeshto
helpthemgrowfromasubsistencelivingtoalivelihood.Thegreatdiscoveryitsfoundersmade,was
thatevenwithfewassets,theseentrepreneursrepaidontime.Grameenandmicrofinancehavesince
becomefinancialstaplesofthedevelopingworld.Grameen'sapproach,unlikeothermicrofinancers
usesthegrouplendingmodel.Costsarekeptdownbyhavingborrowersvetoneanother,tying
togethertheirfinancialfatesandeliminatingexpensiveloanofficersentirely.Theultimatepromiseof
Grameenistousebusinesslendingasawayforpeopletoliftthemselvesoutofpoverty.Recently,
GrameenhastakenonadifferentchallengebysettingupoperationsintheUS.Moneymaybetight
inthewaningrecession,butitisstillanationof100000bankbranches.Globally,theworking
microfinanceequationconsistsofborrowingfundscheaplyandkeepingloandefaultsandoverhead
expensessufficientlylow.Microlenders,includingGrameen,dothisbychargingcolossalinterestrates
ashighas60%or70%whichisnecessarytocompensatefortheriskandattractbankfunding.But,
loansatratesmuchabovethestandard15%wouldmostlikelybeattackedasusuriousinAmerica.So,
thequestioniswhetherthereisaroleforaThirdWorldlenderintheworld'slargesteconomy?
GrameenAmericanbelieves,thatinafewyearsitwillbesuccessfulandturnaprofit,thanksto9
millionUShouseholdsuntouchedbymainstreambanksand21millionusingthelikesofpaydayloans
andpawnshopsforfinancing.But,enticingtheunbankedwon'tbeeasy.Afterall,profithaslong
eludedUSmicrofinanciersandifitisnotlucrative,itisnotmicrolendingbutcharity.When,Grameen
firstwenttotheUS,inthelate1980s,ittrippedup.UnderGrameen'stutelage,banksstartedmicro
loanstoentrepreneurswithashocking30%loss.But,GrameenAmericasaysthatthistimeresultswill
bedifferentbecause,Grameenemployeesthemselveswillbemakingtheloans,nottrainingan
Americanbanktodoit.Moreoftenthannot,theborrowers,GrameenfindsintheUSalreadyhave
jobs(asfactoryworkersforexample)orsidebusinessessellingtoys,cleaninghousesetc.Theloans
fromGrameen,byandlarge,provideasteadiersourceoffunding,buttheydon'tcreatebusinessesout
ofnothing.Butmoneyisn'teverything.Moreimportantlyformanyentrepreneurs,groupmembersare
tremendoussourcesofsupporttooneanother.So,evenifstudiesareyettodetermineifGrameenisa
clearcutpathwayoutofpoverty,itstillachievessomethinguseful.

Whichofthefollowingismostoppositeinmeaningtotheword"Colossal"asusedinthepassage?

A.Short

B.Lavish

C.Minority

D.Frugal

E.Insignificant

YourAnswer:A

CorrectAnswer:E.Insignificant

Q11
Directions(1115):Rearrangethefollowingsentences(A),(B),(C),(D)(E)and(F)tomakea
meaningfulparagraphandthenanswerthequestionswhichfollow.(A)Howeverwhilereadingthey
wouldnotknowwhentopauseandwhattoemphasize.
(B)Sincethentheirusehasbeenregularizedandthepunctuationruleshavebeenfollowedbyall.
(C)Inearlierdays,peoplelearntbyreadingoutloud.
(D)Butnoteverybodyusedthesamepunctuationsforthesamething.
(E)Toaddressthisproblem,varioussignsdepictingvariouspunctuationswereintroduced.
9/18
12/18/2016
(F)Thusfirmerguidelinesregardingpunctuationswereframedsothateveryoneusedtheminsimilar
way.QWhichofthefollowingsentenceshouldbetheSECONDafterrearrangement?

A.A

B.B

C.D

D.E

E.F

YourAnswer:A

CorrectAnswer:A.A

Q12
Directions(1115):Rearrangethefollowingsentences(A),(B),(C),(D)(E)and(F)tomakea
meaningfulparagraphandthenanswerthequestionswhichfollow.(A)Howeverwhilereadingthey
wouldnotknowwhentopauseandwhattoemphasize.
(B)Sincethentheirusehasbeenregularizedandthepunctuationruleshavebeenfollowedbyall.
(C)Inearlierdays,peoplelearntbyreadingoutloud.
(D)Butnoteverybodyusedthesamepunctuationsforthesamething.
(E)Toaddressthisproblem,varioussignsdepictingvariouspunctuationswereintroduced.
(F)Thusfirmerguidelinesregardingpunctuationswereframedsothateveryoneusedtheminsimilar
way.QWhichofthefollowingsentenceshouldbetheTHIRDafterrearrangement?

A.A

B.E

C.D

D.F

E.C

YourAnswer:B

CorrectAnswer:B.E

Q13
Directions(1115):Rearrangethefollowingsentences(A),(B),(C),(D)(E)and(F)tomakea
meaningfulparagraphandthenanswerthequestionswhichfollow.(A)Howeverwhilereadingthey
wouldnotknowwhentopauseandwhattoemphasize.
(B)Sincethentheirusehasbeenregularizedandthepunctuationruleshavebeenfollowedbyall.
(C)Inearlierdays,peoplelearntbyreadingoutloud.
(D)Butnoteverybodyusedthesamepunctuationsforthesamething.
(E)Toaddressthisproblem,varioussignsdepictingvariouspunctuationswereintroduced.
(F)Thusfirmerguidelinesregardingpunctuationswereframedsothateveryoneusedtheminsimilar
way.QWhichofthefollowingsentenceshouldbetheFIFTHafterrearrangement?

A.B
10/18
12/18/2016

B.C

C.A

D.E

E.F

YourAnswer:E

CorrectAnswer:E.F

Q14
Directions(1115):Rearrangethefollowingsentences(A),(B),(C),(D)(E)and(F)tomakea
meaningfulparagraphandthenanswerthequestionswhichfollow.(A)Howeverwhilereadingthey
wouldnotknowwhentopauseandwhattoemphasize.
(B)Sincethentheirusehasbeenregularizedandthepunctuationruleshavebeenfollowedbyall.
(C)Inearlierdays,peoplelearntbyreadingoutloud.
(D)Butnoteverybodyusedthesamepunctuationsforthesamething.
(E)Toaddressthisproblem,varioussignsdepictingvariouspunctuationswereintroduced.
(F)Thusfirmerguidelinesregardingpunctuationswereframedsothateveryoneusedtheminsimilar
way.QWhichofthefollowingsentenceshouldbetheSIXTH(LAST)afterrearrangement?

A.C

B.E

C.D

D.B

E.F

YourAnswer:D

CorrectAnswer:D.B

Q15
Directions(1115):Rearrangethefollowingsentences(A),(B),(C),(D)(E)and(F)tomakea
meaningfulparagraphandthenanswerthequestionswhichfollow.(A)Howeverwhilereadingthey
wouldnotknowwhentopauseandwhattoemphasize.
(B)Sincethentheirusehasbeenregularizedandthepunctuationruleshavebeenfollowedbyall.
(C)Inearlierdays,peoplelearntbyreadingoutloud.
(D)Butnoteverybodyusedthesamepunctuationsforthesamething.
(E)Toaddressthisproblem,varioussignsdepictingvariouspunctuationswereintroduced.
(F)Thusfirmerguidelinesregardingpunctuationswereframedsothateveryoneusedtheminsimilar
way.QWhichofthefollowingsentenceshouldbetheFIRSTafterrearrangement?

A.A

B.B

C.C
11/18
12/18/2016

D.D

E.E

YourAnswer:C

CorrectAnswer:C.C

Q16
Directions(1620):Readeachsentencetofindoutwhether,thereisanygrammaticalerroror
idiomaticerrorinit.Theerror,ifany,willbeinonepartofthesentence.Thenumberofthatpartisthe
answer.Ifthereisnoerror,theansweris(5).(Ignoreerrorsofpunctuation,ifany).QSugar
sweeteneddrinksdoesnot(1)/poseanyparticularhealthrisk,and(2)/arenotauniqueriskfactfor
(3)/forobesityorheartdisease.(4)/Noerror.(5)

A.1

B.2

C.3

D.4

E.5

YourAnswer:NotAttempted

CorrectAnswer:A.1

Solution
Usedonotinplaceofdoesnot.Thesubjectofthesentenceisplural.

Q17
Directions(1620):Readeachsentencetofindoutwhether,thereisanygrammaticalerroror
idiomaticerrorinit.Theerror,ifany,willbeinonepartofthesentence.Thenumberofthatpartisthe
answer.Ifthereisnoerror,theansweris(5).(Ignoreerrorsofpunctuation,ifany).QAirline
managementsshouldnote(1)/thattheultimatepassengerunfriendliness(2)/istohavetheirplanes
crash(3)/duetotheadoptedofunsafeprocedures.(4)/Noerror.(5)

A.1

B.2

C.3

D.4

E.5

YourAnswer:NotAttempted

CorrectAnswer:D.4

12/18
12/18/2016
Solution

Useadoptioninplaceofadopted.Here,anounisrequired.

Q18
Directions(1620):Readeachsentencetofindoutwhether,thereisanygrammaticalerroror
idiomaticerrorinit.Theerror,ifany,willbeinonepartofthesentence.Thenumberofthatpartisthe
answer.Ifthereisnoerror,theansweris(5).(Ignoreerrorsofpunctuation,ifany).QCelebratingits
tenlongyears(1)/intheindustry,aprivateentertainmentchannel(2)/announceaseriesof(3)
/programmesatapressconference(4)./Noerror.(5)

A.1

B.2

C.3

D.4

E.5

YourAnswer:NotAttempted

CorrectAnswer:C.3

Solution
Useannouncedinplaceofannounce

Q19
Directions(1620):Readeachsentencetofindoutwhether,thereisanygrammaticalerroror
idiomaticerrorinit.Theerror,ifany,willbeinonepartofthesentence.Thenumberofthatpartisthe
answer.Ifthereisnoerror,theansweris(5).(Ignoreerrorsofpunctuation,ifany).QTheaward
ceremonyended(1)/onanoteofgoodcheer(2)/withaudiencesrespondingwarmly(3)/toitslineup
offilms(4)./Noerror.(5)

A.1

B.2

C.3

D.4

E.5

YourAnswer:NotAttempted

CorrectAnswer:E.5

Q20
Directions(1620):Readeachsentencetofindoutwhether,thereisanygrammaticalerroror
idiomaticerrorinit.Theerror,ifany,willbeinonepartofthesentence.Thenumberofthatpartisthe
answer.Ifthereisnoerror,theansweris(5).(Ignoreerrorsofpunctuation,ifany).QTheactresswas

13/18
12/18/2016
orderedfor(1)/wearanalcoholmonitoringbraceletand(2)/submittorandomweeklydrugtesting
after(3)/shefailedtoappearforacourtdatelastweek(4)./Noerror.(5)

A.1

B.2

C.3

D.4

E.5

YourAnswer:NotAttempted

CorrectAnswer:A.1

Solution
Usetoinplaceoffor.Usuallyordertodosomethingisused

Q21
Directions(2125):Whichofthephrases(1),(2),(3)and(4)givenbeloweachstatementshould
replacethephraseprintedinboldinthesentencetomakeitgrammaticallycorrect?Ifthesentenceis
correctasitisgivenand'Nocorrectionisrequired',mark(5)astheanswer.QAsthelawyerwastoo
personallyinvolved,thejudgedecidedtoremovedhimfromthecase.

A.removehimselffromthe

B.removehimfromthe

C.removeshimfromthe

D.removehimonthe

E.Nocorrectionrequired

YourAnswer:NotAttempted

CorrectAnswer:B.removehimfromthe

Q22
Directions(2125):Whichofthephrases(1),(2),(3)and(4)givenbeloweachstatementshould
replacethephraseprintedinboldinthesentencetomakeitgrammaticallycorrect?Ifthesentenceis
correctasitisgivenand'Nocorrectionisrequired',mark(5)astheanswer.QInordertoprotectfrom
rotting,manyfruitsaretreatedwithchemicalsbeforebeenshippedfromoneplacetoanother.

A.afterbeingshippedto

B.beforebeingshippedat

C.beforebeingshippedfrom

D.afterbeenshiftedto

E.Nocorrectionrequired
14/18
12/18/2016

YourAnswer:NotAttempted

CorrectAnswer:C.beforebeingshippedfrom

Q23
Directions(2125):Whichofthephrases(1),(2),(3)and(4)givenbeloweachstatementshould
replacethephraseprintedinboldinthesentencetomakeitgrammaticallycorrect?Ifthesentenceis
correctasitisgivenand'Nocorrectionisrequired',mark(5)astheanswer.QIfourbusiness
continuestoexpandatthisrate,wewillneedtoemploymanystaffsoon.

A.employmorestaffsoon

B.employmuchstaffssooner

C.employmentmuchstaffsoon

D.employmanystaffssoon

E.Nocorrectionrequired

YourAnswer:NotAttempted

CorrectAnswer:A.employmorestaffsoon

Q24
Directions(2125):Whichofthephrases(1),(2),(3)and(4)givenbeloweachstatementshould
replacethephraseprintedinboldinthesentencetomakeitgrammaticallycorrect?Ifthesentenceis
correctasitisgivenand'Nocorrectionisrequired',mark(5)astheanswer.QTwoescapedprisoners
wererecapturedthismorningwhentheyweretryingtocrossthebordertoentertheneighbouring
country.

A.gotrecapturedthismorning

B.arerecapturedthismorning

C.couldberecapturedthismorning

D.wererecapturedonmorning

E.Nocorrectionrequired

YourAnswer:NotAttempted

CorrectAnswer:E.Nocorrectionrequired

Q25
Directions(2125):Whichofthephrases(1),(2),(3)and(4)givenbeloweachstatementshould
replacethephraseprintedinboldinthesentencetomakeitgrammaticallycorrect?Ifthesentenceis
correctasitisgivenand'Nocorrectionisrequired',mark(5)astheanswer.QThereisbelievedtobe
thousandsofhomelessteenagerslivingonthestreetsofthecapitalcity.

15/18
12/18/2016
A.Itisbelievedto

B.Thereisbelieveto

C.Therearebeliefsto

D.Therearebelievedto

E.Nocorrectionrequired

YourAnswer:NotAttempted

CorrectAnswer:D.Therearebelievedto

Q26
Directions(2630):Inthefollowingpassagethereareblanks,eachofwhichhasbeennumbered.
Thesenumbersareprintedbelowthepassageandagainsteach,fivewords/phrasesaresuggested,one
ofwhichfitstheblankappropriately.Findouttheappropriateword/phraseineachcase.Thereisa
considerableamountofresearchaboutthefactor,thatmakeacompanyinnovate.Soisitpossibleto
createanenvironment(26)toinnovation?Thisisaparticularlypertinent(27)forIndiatoday.Massive
problemsinhealth,educationetc.(28)besolvedusingaconventionalapproachbut(29)creativeand
innovativesolutionsthatcanensureradicalchangeand(30).Q26

A.incentive

B.facilitated

C.impetus

D.stimuli

E.conducive

YourAnswer:B

CorrectAnswer:E.conducive

Q27
Directions(2630):Inthefollowingpassagethereareblanks,eachofwhichhasbeennumbered.
Thesenumbersareprintedbelowthepassageandagainsteach,fivewords/phrasesaresuggested,one
ofwhichfitstheblankappropriately.Findouttheappropriateword/phraseineachcase.Thereisa
considerableamountofresearchaboutthefactor,thatmakeacompanyinnovate.Soisitpossibleto
createanenvironment(26)toinnovation?Thisisaparticularlypertinent(27)forIndiatoday.Massive
problemsinhealth,educationetc.(28)besolvedusingaconventionalapproachbut(29)creativeand
innovativesolutionsthatcanensureradicalchangeand(30).Q27

A.doubt

B.question

C.inference

D.objective

16/18
12/18/2016
E.controversy

YourAnswer:C

CorrectAnswer:B.question

Q28
Directions(2630):Inthefollowingpassagethereareblanks,eachofwhichhasbeennumbered.
Thesenumbersareprintedbelowthepassageandagainsteach,fivewords/phrasesaresuggested,one
ofwhichfitstheblankappropriately.Findouttheappropriateword/phraseineachcase.Thereisa
considerableamountofresearchaboutthefactor,thatmakeacompanyinnovate.Soisitpossibleto
createanenvironment(26)toinnovation?Thisisaparticularlypertinent(27)forIndiatoday.Massive
problemsinhealth,educationetc.(28)besolvedusingaconventionalapproachbut(29)creativeand
innovativesolutionsthatcanensureradicalchangeand(30).Q28

A.should

B.never

C.must

D.cannot

E.possibly

YourAnswer:E

CorrectAnswer:D.cannot

Q29
Directions(2630):Inthefollowingpassagethereareblanks,eachofwhichhasbeennumbered.
Thesenumbersareprintedbelowthepassageandagainsteach,fivewords/phrasesaresuggested,one
ofwhichfitstheblankappropriately.Findouttheappropriateword/phraseineachcase.Thereisa
considerableamountofresearchaboutthefactor,thatmakeacompanyinnovate.Soisitpossibleto
createanenvironment(26)toinnovation?Thisisaparticularlypertinent(27)forIndiatoday.Massive
problemsinhealth,educationetc.(28)besolvedusingaconventionalapproachbut(29)creativeand
innovativesolutionsthatcanensureradicalchangeand(30).Q29

A.need

B.consider

C.requires

D.necessary

E.apply

YourAnswer:A

CorrectAnswer:A.need

17/18
12/18/2016
Q30
Directions(2630):Inthefollowingpassagethereareblanks,eachofwhichhasbeennumbered.
Thesenumbersareprintedbelowthepassageandagainsteach,fivewords/phrasesaresuggested,one
ofwhichfitstheblankappropriately.Findouttheappropriateword/phraseineachcase.Thereisa
considerableamountofresearchaboutthefactor,thatmakeacompanyinnovate.Soisitpossibleto
createanenvironment(26)toinnovation?Thisisaparticularlypertinent(27)forIndiatoday.Massive
problemsinhealth,educationetc.(28)besolvedusingaconventionalapproachbut(29)creativeand
innovativesolutionsthatcanensureradicalchangeand(30).Q30

A.increase

B.chaos

C.growth

D.quantity

E.advantages

YourAnswer:C

CorrectAnswer:C.growth

18/18