Read the following passage and mark the letter A, B, C, or D on your answer sheet to answer the questions from 35 to 42 Microtrends: It's a Small World After All In today’s world, it seems like everyone is focused on “the big picture”. However, coming up with large-scale solutions is not always what is needed. Sometimes it pays to think small - and that is exactly what many people are doing these days. By thinking small, lots of big minds have created some pretty amazing things. One example of this is microloans. Microloans are tiny loans, in some cases just a few dollars, which are available to people in developing countries. Although this may not seem like a lot of money, microloans can help workers to escape poverty and start their own businesses. The person behind the modern microloan movement is a Bangladeshi man named Muhammad Yunus. He started the project in the 1970s by offering villagers low-interest loans using his own money. Yunus wanted to offer poor people access to small loans so they wouldn’t be forced to turn to gangsters if they needed funds. In 1983, he founded the Grameen Bank and soon after, similar organizations started popping up around the globe. Although there are still some issues with microloans, at the very least they offer everyone the potential of becoming an entrepreneur. For most of the 20th century, companies required large sums of money and plenty of manpower to compete at the highest levels. In the late 1990s, the Internet changed this and many microenterprises came about. Microenterprises are smaller companies that employ less than 10 people and only require small sums of money to start. Being small offers lots of flexibility to these companies as they can react more quickly than corporate giants when a business opportunity arises. Many technology companies that produce mobile apps and websites fall into this category. Keep in mind that having a small staff doesn’t mean small profits, as microenterprises can earn hundreds of millions of dollars per year. Thinking small can also lead to a tremendous improvement in quality. One example of this is microbreweries, which are smaller-sized breweries that produce far less beer than traditional breweries. Since microbreweries don’t have to target large markets and make millions of sales to stay open, they can monitor the brewing process carefully to make sure everything is perfect. In addition, microbreweries can experiment with unique flavors that many traditional brewers would shy away from. So, the next time you are asked to “think big”, remember that good things may also come in small packages.nd mark the letter A, B, C, or D on your answer sheet to 35. Question 35. According to the passage, who are microloans supposed to help? A. Rich people who want to own more businesses B. Bankers who want to earn money by investing C. Poor people who want to buy new things for their family D. Farmers who want to start their own businesses 36. Question 36. We can infer from paragraph 2 that thanks to microloans from the Grameen Bank, poor local people can __________. A. avoid borrowing money with very high interest B. borrow money without any interest C. cooperate to open large businesses D. put gangsters offering big loans into prison 37. Question 37. The word “they” in paragraph 2 refers to __________. A. gangsters B. people who need loans C. friends of Yunus D. those who work at banks 38. Question 38. What could best replace the phrase “popping up” in paragraph 2? A. complaining B. disappearing C. opening D. discovering 39. Question 39. The type of businesses which is most interested in microloans may be _________. A. small companies that employ more than 100 people B. companies that require plenty of well qualified manpower C. companies with plenty of business opportunities D. the software companies producing mobile apps and web sites 40. Question 40. What advantages do small companies have over larger corporations? A. They can make faster decisions. B. They usually have more money. C. They don’t have to pay any taxes. D. They have more people working for them. 41. Question 41. All of the following are true about microloans EXCEPT that _________. A. they are tiny loans, maybe just a few dollars B. so many banks offering small loans started appearing all over the world C. they are often offered to poor local people D. its original ideas were initiated by a Bangladeshi man named Muhammad Yunus 42. Question 42. Who would most enjoy the passage? A. A businessman who enjoys creative business ideas B. The owner of a very large farm in Bangladesh C. A banker who wants to learn to make more money D. Someone who drinks beer from large breweries Câu 43 - 45