Republic of the Philippines

Department of Education
Region V – Bicol
SCHOOLS DIVISION OFFICE OF CAMARINES NORTE

LEARNING ACTIVITY SHEET (LAS)

General Mathematics – Grade 11
School Year: 2020 – 2021

Learner’s Name: Covered Date: JANUARY 11 – 15, 2021

Semester: 01 Quarter: 02 Week: 1 LAS No.: 01

I. INTRODUCTORY CONCEPTS
A. TopicRE
Math of Investment: Simple and Compound Interest
B. Brief Description
Finance is a term for matters regarding the management, creation, and study of money and investments. Specifically, it
deals with the questions of how and why an individual, company or government acquires the money needed - called capital in
the company context - and how they spend or invest that money. In this lesson, you are expected to investigate and analyse
problems involving simple and compound interest that deals with the so called Finance.

II. LEARNING SKILLS FROM THE MELCS

 Illustrates simple and compound interest; and
 Distinguishes between simple and compound interests.
(M11GM-IIa1-2)

III. LEARNING ACTVITIES

A. Vocabulary Lists of Instruction
 Borrower or debtor. A borrower or debtor is a person (or institution) who owes the money or avails of the funds from the
lender.
 Compound Interest (Ic). Compound interest is the interest that is computed on the principal and also on the accumulated
past interests.
 Inflation. Inflation is a quantitative measure of the rate at which the average price level of a basket of selected goods and
services in an economy increases over some period of time. It is the rise in the general level of prices where a unit of
currency effectively buys less than it did in prior periods.
 Interest (I). Interest is the amount paid or earned for the use of money.
 Lender or creditor. A lender or creditor is a person (or institution) who invests the money or makes the funds available.
 Maturity value or future value (F). It is the amount after t years that the lender receives from the borrower on the
maturity date.
 Origin or loan date. Origin or loan date is the date on which money is received by the borrower.
 Principal (P). Principal is the amount of money borrowed or invested on the origin date.
 Rate (r). Annual rate, usually in percent, charged by the lender, or rate of increase of the investment.
 Repayment date or maturity date. Repayment date or maturity date is the date on which the money borrowed or loan is
to be completely repaid.
 Simple Interest (Is). Simple interest is the interest that is computed on the principal and then added to it.
 Time or term (t). Time or term is the amount of time in years the money is borrowed or invested; length of time between
the origin and maturity date.

B. Exercises/Activities
Being a Senior High School Student, it is a necessity that you are aware of the finances that your parents are involved in. It
may include expenses like water and electric bills, maybe rent, food expenses and tuition fees and other household
expenses that is a must for your living or it can be your parents’ monthly income as well. Knowing these, for you to be
able to help in budgeting, you should know how to deal finances especially if your parents have loans or planning to have
a loan or if your parents are into business of lending money to others.

 Activity 1: Let’s Examine

In this activity, your task is to identify the important parts of each scenario based from the given definitions in the
vocabulary list. Number one is already done for your guidance. Place your answer on the table below.

Scenario #1:
Miko’s father borrowed P25,000 for the repair of their house at 10% annual simple interest rate in
the bank. How much should he pay after 3 years and 6 months?

RIZAL NATIONAL HIGH SCHOOL

Rizal, Sta. Elena, Camarines Norte
Mobile No.: 0915-032-5574 / 0912-511-4904
 Republic of the Philippines
Department of Education
Region V – Bicol
SCHOOLS DIVISION OFFICE OF CAMARINES NORTE
Important Parts Which pertains to..

1 Miko’s father Borrower or debtor

2 P25,000.00
3 10%
4 Bank
5 3 years and 6 months
6 What type of interest is being applied?
7 Miko is looking for?

Scenario #2:
Kyla lends P45, 000 to Jovi for 3 years at 5% compounded annually. Find the future value
and
interest of this amount.

Important Parts Which pertains to..

1 Kyla Lender or creditor

2 P45,000.00
3 Jovi
4 3 years
5 5%
6 What type of interest is being applied?
7 Kyla is looking for?

1. Being a simple help to your parents in dealing with the finances of your family is an indicator that you are applying what
you learned in school. Even by just illustrating to them what a simple and compound interest is, means a manifestation of
your involvement in the family’s important matters that leads to helping your parents.

 Activity 2: Let’s Hit the Springboard

This time, your task is to distinguish which scenarios uses simple interest or which uses compound interest. First item
is already done for your guidance. Place your answer below.

Scenarios Type of Interest

Isabella deposited P500 into a savings account at a local bank that
Simple Interest
earned 5 % interest per year. How much interest does she earn per year?
You tell your dad that you want P800 as pocket-money every
month. He can deposit some money in the bank such that the interest he
gets will be equal to the money you need. His bank offers him an interest
rate of 6%, percent per annum. How much money did he deposit?
22 months ago, Blake used his credit card for a transaction
of 1,400 pesos. The bank charges a rate of interest of 25%, percent per
month compounded monthly. How much does Blake owe to the bank
today?
The simple interest on a sum of money for 3 years at 6 2/3 % per
annum is P 6750. What will be the compound interest on the same sum at
the same rate for the same period, compounded annually?

DID YOU KNOW…

RIZAL NATIONAL HIGH SCHOOL

Rizal, Sta. Elena, Camarines Norte
Mobile No.: 0915-032-5574 / 0912-511-4904
 Republic of the Philippines
Department of Education
Region V – Bicol
SCHOOLS DIVISION OFFICE OF CAMARINES NORTE

LET’S DIG DEEPER…

RIZAL NATIONAL HIGH SCHOOL

Rizal, Sta. Elena, Camarines Norte
Mobile No.: 0915-032-5574 / 0912-511-4904
 Republic of the Philippines
Department of Education
Region V – Bicol
SCHOOLS DIVISION OFFICE OF CAMARINES NORTE

Rubrics (If necessary)

IV. RECFLECTION AND ASSESSMENT

A. Reflective Question/s
Directions: Answer each question in three (3) sentences. Write your answer at the back page.
1. Which part of the activities was difficult to answer? Why?
2. Which part of the activities was easier to answer? Why?
3. Do you think it is a necessity, for a senior high school student, if you are aware to the concepts of interest?

B. Parallel Test
 Directions: Read the following statements below and decide whether it belongs to simple interest or if it concerns
about compound interest. Write SI if is Simple Interest on the space provided before item number, otherwise write CI
to distinguishes between simple and compound interests.
1. This type of interest is easier to calculate.
2. This type of interest is always the same amount since it is a percentage of the principal.
3. In this type of interest, amount will be different every accrual period since it is a percentage of the principal plus interest earned
or accrued to date.
4. In this type of interest, you won't be charged for outstanding interest when you pay the loan off.
5. This type of interest is better for purchases such as car loans since the cost of the loan is static.
6. This type of interest is better for investing or saving since your funds will grow quicker.
7. In this type of interest, you are basically paying interest on interest!
8. With this type of interest, borrowers must pay interest on the interest as well as the principal.
9. This type of interest paid or received over a certain period is a fixed percentage of the principal amount that was
borrowed or lent.
10. This type of interest, accrues and is added to the accumulated interest of previous periods.
V. ANSWER KEY
A. Key to Correction
Activity 1
Scenario #1 Scenario #2
1. Borrower or debtor 1. Lender or creditor
2. Principal 2. Principal
3. Rate 3. Borrower or debtor
4. Lender or creditor 4. Time or term
5. Time or term 5. Rate
6. Simple Interest 6. Compound Interest
7. Maturity value or future value 7. Future value and Interest

Activity 2: Let’s Hit the Springboard

1. Simple Interest
2. Compound Interest
3. Compound Interest
4. Simple Interest

RIZAL NATIONAL HIGH SCHOOL

Rizal, Sta. Elena, Camarines Norte
Mobile No.: 0915-032-5574 / 0912-511-4904
 Republic of the Philippines
Department of Education
Region V – Bicol
SCHOOLS DIVISION OFFICE OF CAMARINES NORTE

B. Reflection:
Answers varies

C. Parallel Assessment
Simple Interest Numbers: 1 , 2 , 4 , 5 , 9
Compound Interest Numbers: 3 , 6 , 7, 8 , 10

D. Expected Output/s
1. Answer of reflective questions
2. Answer of Parallel Assessment

Note: Expected outputs should be submitted to the teacher.

VI. REFERENCE
 DepEd – ROV Module 1 in General Math, Quarter 2.

Prepared by:

RAUL A. MALLAPRE
Subject Teacher

APPROVED:

FLOREDELISA V. MAGANA
School Principal II

RIZAL NATIONAL HIGH SCHOOL

Rizal, Sta. Elena, Camarines Norte
Mobile No.: 0915-032-5574 / 0912-511-4904