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# I.

Learning Content:
A. Subject Matter: Simple and Compound interests
B. References: 1. General Mathematics by Orlando Oronce
2. Essential Business Mathematics by Rizaldi C. Nocon

C. Materials: laptop, LCD projector, manila paper, marking pens, meta cards,
D. Strategy: Cooperative learning

## II. Learning Activities / Procedure:

A. Preliminary Activity:
1. Checking of attendance and assignment.
2. Drill:
Examine the following:
a. P=Php 5,000.00 r=5% t= 3 years
I= Prt
= (5,000)(.05)(3)
= Php 750.00
Amount due = P+I
= 5,000 .00+ 750.00
= 5,750.00
b. P=Php 5,000.00 r=5% t=3 years
A= P(1+r)
=5,000.00 (1+.05):
=5,000.00(1.1576)
=Php 5,788.125

Questions:

## -Can you identify the difference of the two computations?

-What kind of interest is the first one? How about the second one?
-In loans, which kind of interest can help the debtor?
-If you are a depositor in a savings bank, what kind of interest, you will
prefer?

B. Review:
How to solve for simple interests?
How to solve compound interests?
C. Lesson Proper:
1. Motivation:
Group Activity
Directions:
Pair the given meta cards; description and formula. Post your work in
the manila paper. Work for 5 minutes, then after posting; explain your
work in 1 minute.
a. Maturity value is the total amount paid on due date or maturity
date.
A=P+I
b. Present value is the amount needed at present for an expected
return in the future.
P= A/(I+r)
2. Presentation:
a. How to compute future or maturity value in simple and compound
interest environment.
b. How to compute the present value in simple and compound interest
environment.
c. Interest formula and its derivatives
3. Discussion:
a. Present an example on the following:
Maturity value or future value in simple interest
Present value in simple interest
Maturity value or future value in compound interest
Present value in compound interest
4. Developmental Activity:
a. Compute the future value in simple interest and compound interest.
Given: P= Php80,000.00; r= 2%; t=3 years
b. Solve the problem;
Find the present value of Php 54,000.00 due in 3 years and 8 months if
money is worth 12% compounded semi-annually.
5. Generalization:
To solve problems on maturity value and present value both in simple
interest and compound interest environments, get the derived formula from
the original formula;
Simple interest: Compound Interest:
I = Prt A=P(1+r)
F= P +I or F=P(1+rt) F is the same as the above.
P = I/rt P= A/(1+r)
Note: In compound interest remember the periodic rate.
III. Evaluation:
A. Find the indicated value from the given: