Results: Quiz: Building Good Credit History

Question 1: What is a credit history?

A) Мектептеги бааларыңыздын тарыхы

B) Акча алуу жана кайтаруу тууралуу жазуу

C) Достордун тизмеси

D) Каржы эсебинин балансы

Correct: B) A record of how you borrow and repay money

Explanation:

Credit history tracks borrowing and repayment behavior.

Question 2: Why is having a good credit history important?

A) Дүкөндөн арзандатууларды алуу

B) Акчаны оңой алуу жана жакшы насыя шарттарын алуу

C) Экзамендерди тапшыруу

D) Банк эсеп ачуу

Correct: B) To borrow money easily and get better loan terms

Explanation:

Good credit history helps lenders trust you and offer better conditions.

Question 3: Which organization in Kyrgyzstan collects credit history data?

A) Билим берүү министрлиги

B) Кредит бюросу «Ишеним»

C) Улуттук банк

D) Полиция

Correct: B) Credit Bureau "Ishenim"

Explanation:

"Ishenim" collects credit history from lenders.

Question 4: What is a safe credit practice to build good history?

A) Чоң сумма ал да төлөп бербесең

B) Кичинекей сумма алып, убагында төлөп туруу

C) Кредит алба

D) Көп кредитти бир убакта ал

Correct: B) Borrow small amounts and repay on time

Explanation:

Responsible borrowing with timely repayment builds good credit.

Question 5: How many active loans do most Kyrgyz borrowers have on average?

A) 5-6

B) 3-4

C) 1-2

D) 10дон көп

Correct: C) 1-2

Explanation:

Most borrowers have 1-2 active loans.

Question 6: What happens if you miss loan payments?

A) Кредиттик тарых жакшырат

B) Эч кандай өзгөрүү жок

C) Кредиттик тарых начарлайт

D) Акысыз кредит алат

Correct: C) Your credit history is damaged

Explanation:

Missing payments negatively affects credit records.

Question 7: Which type of loans are most common in Kyrgyzstan's microfinance?

A) Ипотека

B) Топтук насыялар

C) Авто насыялар

D) Кредиттик карталар

Correct: B) Group loans

Explanation:

Group loans are the most common microfinance product.

Question 8: Why should youth learn financial literacy?

A) Каржы каталарын алдын алуу үчүн

B) Китеп окуу үчүн

C) Сыртта иштеп жүрүү үчүн

D) Мектептен качуу үчүн

Correct: A) To avoid financial mistakes

Explanation:

Financial literacy helps manage money and credit smartly.

Question 9: What does a credit bureau like "Ishenim" do?

A) Паспорт берет

B) Кредиттик тарыхтарды көзөмөлдөйт жана маалымдайт

C) Акча басат

D) Банктарды көзөмөлдөйт

Correct: B) Monitors and reports credit histories

Explanation:

Credit bureaus collect and manage data on borrowing.

Question 10: What is the typical amount for microloans mostly used by young and women borrowers?

A) 10,000 доллардан көп

B) 1000 долларга жакын же андан аз

C) 5000 доллардан көп

D) Ал жок

Correct: B) Around $1000 or less

Explanation:

Most microloans are small, under $1000.