PRIVATE EDUCATION ASSISTANCE COMMITTEE

ADAPTIVE TEACHING GUIDE

MET #BUSINESS AND CONSUMER LOANS

Lesson # ILLUSTRATES BUSINESS AND CONSUMER LOANS

Prerequisite Content-knowledge:

• Definition of business loans and consumer loans and the terms used in key concepts of understanding it.

Prerequisite Skill:

• Solving problems involving simple and compound interest

• Solving problems involving annuity

Prerequisites Assessment:

• Class activity on solving problems involving simple, compound interest, and ordinary annuity.
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Pre-lesson Remediation Activity:

1. For Students with Insufficient Level on Prerequisite Content-knowledge and/or Skill(s):

• Text writing prior to class discussion (online asynchronous-posted on online platform 1 week ahead the actual classroom discussion):
Topic:
1. Illustrates business and consumer loans.

2. For Students with Fairly Sufficient Level on Prerequisite Content-knowledge and/or Skill(s):
• Video presentation (online asynchronous-posted on online platform 1 week ahead the actual classroom discussion):
Topic:
1. Illustrates business and consumer loans.

Introduction:
This part must articulate the following:

1. time frame a student is expected to finish in learning the lesson within 3 hours (1.5 h synchronous, 1.5 asynchronous)

2. the student is expected to gain from learning the topic/lesson

a. Illustrates business and consumer loans.

b. Distinguishes between business and consumer loans.

c. Solves problems involving business and consumer loans (amortization, mortgage).

3. inform the students about the purpose and use of knowing how to solves problems involving business and consumer loans

4. Overview of the Lesson: The learner is able to decide wisely on the appropriateness of business or consumer loan and its proper utilization.

Student’s Experiential Learning: (Note: Use the Flexible Learning Activity Identified for the topic/lesson relative to the General Enabling Teaching Strategy)
This section is intended for the presentation guide of the lesson proper. It must highlight the chunking of the topic into essential concepts through the use of formative questions.
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Chunk 1: Illustrates business and consumer loans.

Formative question:

• How can you determine if the situation given is a business or consumer loans?
• How can you determine if the problem involves compound interest?
• How can you determine if the problem involves ordinary annuities?

Chunk 2: Distinguishes between business and consumer loans.

Formative question

• How to determine if the given situation implies that the use of money is for personal purposes or not?

Synthesis

• What is the difference between business and consumer loan?

• Is it a good idea to take a personal loan in buying the things that you want? Why or why not?
• Are you familiar with the word “Amortization”

RUA of a Student’s Learning:

Create an amortization schedule table using the give situation

Dexter borrows a certain sum that bears interest at 14% compounded quarterly for 2 years. He agrees to pay 825 pesos at the end of every 3 months to discharge his dept. find the original
dept and construct the amortization schedule.

Amortization schedule:

Period Outstanding principal at beginning Interest at 4.5% due at the end of Total payment at the end of interval For repayment of principal at end of
of interval interval interval
1
2
3
4
5
6
7
8
Total
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Post-lesson Remediation Activity:

The students will be provided with problem set entries to determine if the learners were able to understand and employ mastery of the given concept to work on. Have a discussion of the least understood
concepts from the last activity.