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isabella test # ls -la /etc/skel/
total 20
drwxr-xr-x  2 root root 4096 Feb 19 11:37 .
drwxr-xr-x 56 root root 4096 Feb 19 11:37 ..
-rw-r--r--  1 root root  127 Jan 11 22:14 .bash_logout
-rw-r--r--  1 root root  193 Jan 11 22:14 .bash_profile
-rw-r--r--  1 root root  551 Jan 12 16:00 .bashrc
lrwxrwxrwx  1 root root   11 Feb 19 11:37 ftp_mape -> /home/_ftp/

tad adduser ......

isabella test # ls -la /home/test/
total 20
drwx--x--x  2 test users 4096 Feb 19 11:37 .
drwxr-xr-x 15 root root  4096 Feb 19 11:37 ..
-rw-r--r--  1 test users  127 Feb 19 11:37 .bash_logout
-rw-r--r--  1 test users  193 Feb 19 11:37 .bash_profile
-rw-r--r--  1 test users  551 Feb 19 11:37 .bashrc
lrwxrwxrwx  1 test users   11 Feb 19 11:37 ftp_mape -> /home/_ftp/