Passage: Surveys suggest that a large portion of Pakistan’s adult population lacks basic financial literacy, including understanding of savings, interest rates, and loan terms. This gap leaves many vulnerable to predatory lending practices that trap borrowers in cycles of debt. Some banks have begun offering free financial literacy workshops, though attendance remains low due to limited awareness of such programs. Question: What is the author’s tone toward the current state of financial literacy in Pakistan?

Question

Passage: Surveys suggest that a large portion of Pakistan&#8217;s adult population lacks basic financial literacy, including understanding of savings, interest rates, and loan terms. This gap leaves many vulnerable to predatory lending practices that trap borrowers in cycles of debt. Some banks have begun offering free financial literacy workshops, though attendance remains low due to limited awareness of such programs. Question: What is the author&#8217;s tone toward the current state of financial literacy in Pakistan?

Accepted Answer

Concerned. The passage describes a literacy gap that leaves people 'vulnerable to predatory lending', reflecting a concerned tone about the issue

Explanation