College Writing Skills
Sample Placement Test 1

Bangladesh’s economy is based primarily on small-scale   enterprises
1

ran by self-employed men and women.    These small-business owners, who make a
2	3

living as shopkeepers or providers of services,  face a problem common to proprietors
3	4

everywhere: lack of access to credit,  particularly among the early start-up phase of an
4	5

enterprise.   Credit, which allows people to obtain the resources and equipment he needs

6

to make his business productive,  is often, frequently unavailable to those who possess
6	7

little collateral.   Thus, many  people which would benefit from credit  are denied access to it.
8	9	10

The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who was a

11

fine soccer player in his youth, provides  the only unique alternative  via loans to
11	12

prospective business owners, whether they are given only to those who fall below a

13

certain level of assets.   Instead of putting up collateral, Grameen customers are
13	14

accountable with one another,  congregating in   small groups that meet as a week.
14	15	16

If one member will fail to repay a loan, the entire group is unable to obtain credit

17

in the future thus, group members have a strong incentive to succeed and support

18

others in the group. In the last twenty years, the Grameen Bank has lent two billion

19

dollars,   and his customers have repaid 97 percent of their loans.   Such results have led to
	20	21

the creation of similar programs.

21

1.
	Bangladesh's economy is based primarily on small-scale
	Bangladesh's economy's is based primarily on small-scale
	Bangladesh's economies' are based primarily on small-scale
	Bangladesh's economys' is based primarily on small-scale
	Bangladesh's economies' is based primarily on small-scale
2)
	enterprises ran by self-employed men and women.
	enterprises run by self-employed men and women.
	enterprises have run by self-employed men and women.
	enterprises was run by self-employed men and women.
	enterprises had been run by self-employed men and women.
3)
	These small-business owners, who make a living as shopkeepers or providers of services,
	These small-business owners, who make a living, as shopkeepers or providers of services
	These small-business owners, who make a living as shopkeepers, or providers of services
	These small-business owners who make a living as shopkeepers or providers of services,
	These small-business owners; who make a living as shopkeepers or providers of services,
4)
	face a problem common to proprietors everywhere: lack of access to credit,
	face a problem common to proprietors everywhere: lack of access credit,
	face a problem common to proprietors everywhere: lack of access from credit,
	face a problem common to proprietors everywhere: lack of access in credit,
	face a problem common to proprietors everywhere: lack of access for credit,
5)
	particularly among the early start-up phase of an enterprise.
	particularly between the early start-up phase of an enterprise.
	particularly below the early start-up phase of an enterprise.
	particularly during the early start-up phase of an enterprise.
	particularly now the early start-up phase of an enterprise.
6)
	Credit, which allows people to obtain the resources and equipment he needs to make his business productive,
	Credit, which allows people to obtain the resources and equipment they need to make their businesses productive,
	Credit, which allows people to obtain the resources and equipment we need to make our business productive,
	Credit, which allows people to obtain the resources and equipment one needs to make our business productive,
	Credit, which allows people to obtain the resources and equipment you need to make one's business productive,
7)
	is often, frequently unavailable to those who possess little collateral.
	is often unavailable many times to those who possess little collateral.
	is often unavailable to those who possess little collateral.
	is often unavailable frequently to those who possess little collateral.
	is often unavailable, all the time, to those who possess little collateral.
8)
	Thus, many
	Although, many
	Nevertheless, many
	Since, many
	Anyway, many
9)
	people which would benefit from credit
	people whom would benefit from credit
	people whose would benefit from credit
	people who’s would benefit from credit
	people who would benefit from credit
10)
	are denied access to it.
	are denying access to it.
	deny access to it.
	denied access to it.
	there is access denied to it.
11)
	The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who was a fine soccer player in his youth, provides
	The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who visited the University of Michigan, provides
	The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who studied economics at a highly regarded university, provides
	The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who is married and has three children, provides
	The Grameen Bank, founded in 1976 by economist Muhammad Yunis, who returned to Bangladesh in 1972, provides
12)
	the only unique alternative
	the sole unique alternative
	the lone unique alternative
	a unique alternative
	the exclusive unique alternative
13)
	via loans to prospective business owners, whether they are given only to those who fall below a certain level of assets.
	via loans to prospective business owners, which are given only to those who fall below a certain level of assets.
	via loans to prospective business owners are given only to those who fall below a certain level of assets.
	via loans to prospective business owners. Which are given only to those who fall below a certain level of assets.
	via loans to prospective business owners, when given only to those who fall below a certain level of assets.
14)
	Instead of putting up collateral, Grameen customers are accountable with one another,
	Instead of putting up collateral, Grameen customers are accountable in one another,
	Instead of putting up collateral, Grameen customers are accountable one another,
	Instead of putting up collateral, Grameen customers are accountable at one another,
	Instead of putting up collateral, Grameen customers are accountable to one another,
15)
	congregating in
	and congregation in
	congregate in
	so congregating in
	congregating between
16)
	small groups that meet as a week.
	small groups that meet every weekly.
	small weekly groups that meet.
	small groups that meet weekly.
	small groups weekly each meet.
17)
	If one member will fail to repay a loan, the entire group is unable to obtain credit
	If one member fails to repay a loan, the entire group is unable to obtain credit
	If one member do fail to repay a loan, the entire group is unable to obtain credit
	If one member is fail to repay a loan, the entire group is unable to obtain credit
	If one member failing to repay a loan, the entire group is unable to obtain credit
18)
	in the future thus, group members have a strong incentive to succeed and support
	in the future and thus, group members have a strong incentive to succeed and support
	in the future, thus, group members have a strong incentive to succeed and support
	in the future, and, thus, group members have a strong incentive to succeed and support
	in the future; thus, group members have a strong incentive to succeed and support
19)
	others in the group. In the last twenty years, the Grameen Bank has lent two billion dollars,
	others in the group. In the last twenty years, the Grameen Bank has lended two billion dollars,
	others in the group. In the last twenty years, the Grameen Bank lend two billion dollars,
	others in the group. In the last twenty years, the Grameen Bank did lent two billion dollars,
	others in the group. In the last twenty years, the Grameen Bank lends two billion dollars,
20)
	and his customers have repaid 97 percent of their loans.
	and their customers have repaid 97 percent of their loans.
	and its customers have repaid 97 percent of their loans.
	and itself’s customers have repaid 97 percent of their loans.
	and our customers have repaid 97 percent of their loans.
21)
	and our customers have repaid 97 percent of their loans.
	Such results: have led to the creation of similar programs.
	Such results have led, to the creation of similar programs.
	Such results, have led to the creation of similar programs.
	Such results; have led to the creation of similar programs.
22)	Suppose the writer wants to show that lending programs, similar to the one administered by the Grameen Bank, have been widely accepted. Which of the following phrases, if added to the last sentence of the essay, would best achieve that goal?
	to make credit available
	over the years
	around the world
	to encourage development
	with some variations
23)	Suppose the writer had been asked to write an essay explaining the influence of the credit system developed by Muhammad Yunis on the economy of the United States. Does this article fulfill that assignment?
	Yes, because the article explains the work of Yunis and his success since 1976.
	Yes, because the article says that there are similar credit programs in the United States.
	Yes, because the economic influence of the Grameen Bank is felt throughout the world.
	No, because the article says that similar credit systems have been established but does not specifically mention the United States.
	No, because the article is concerned with the reputation of Yunis as an economist, rather than the credit system he developed.
24)	Which of the following sentences, if added at the end of the first paragraph, would best make the point that there was a need for the Grameen Bank?
	This led to a stagnant economy in Bangladesh.
	Other people, however, are able to overcome a lack of credit.
	Collateral, therefore, is essential for a healthy economy.
	Of course, there are some start-up businesses that do not need loans at all.
	The banks, however, are able to lend their money in other countries.