Lesson Exemplar

Republic of the Philippines
Department of Education
REGION IV – A CALABARZON
SCHOOLS DIVISION OFFICE OF LAGUNA
GAUDENCIO OCTAVIO INTEGRATED HIGH SCHOOL
STA. MARIA, LAGUNA
BUSINESS AND CONSUMER LOANS

General Mathematics
Time Frame: 1 hour

Content: Business and Consumer Loans
Content Standard: The learner demonstrates understanding of basic

concepts of business and consumer loans.
Performance Standard: The learner is able to decide wisely on the
appropriateness of business or consumer loans and its
proper utilization.
Learning Competency: The learner distinguishes between business and
consumer loans.
Code: M11GM-IIf-2
Materials: Activity Sheets, Markers, AV Presentation
I. OBJECTIVES
The session aims to:
1. Define business loans and consumer loans.

2. Distinguish between business and consumer loans.
3. Appreciate the value of proper utilization of business or consumer
loans.
II. VALUES
Accuracy and precision, and attentiveness to details
III. SESSION PROPER

INTRODUCTION (10 minutes)
A. Picture Analysis
1. Analyze and tell something about the picture.

Gaudencio Octavio Integrated High School
Brgy. Bagumbayan, Santa Maria Laguna
STA. MARIA, LAGUNA
Guide Questions:
a. What can you say about the picture?
b. Were you able to guess what topic we will have based from the
images presented?
B. Find Your Perfect Match

The following statements describe the basic terms related to the topic.
Match the word/s inside the box to the appropriate statement below.
__________________1. It is a financial obligation of paying someone a certain

amount for the use of his/her money.
__________________2. It is the amount paid to borrow money
__________________3. It is the amount of money that the loan applicant requests
to borrow.
__________________4. It is the payment or interest level used to determine a
borrower’s monthly payment.
__________________5. It is the maturity or length of time over which a loan
extends, for instance one year, five years, or more.
__________________6. Assets used to secure the loan. It may be real estate or
other investment.
__________________7. A person who guarantees to pay for someone else’s
financial obligation if the borrowers failed to do so.
__________________8. A money lent specifically for a business purpose.
__________________9. Money lent for an individual for personal or family use.
LOAN TERM COLLATERAL
RATE BUSINESS LOAN INTEREST
PRINCIPAL CONSUMER LOAN GUARANTOR

STA. MARIA, LAGUNA
DEVELOPMENT (15 minutes)

1. Learners will read the story of two best friends, analyze their situation and
try to answer the questions below.
2. Using the different basis for comparison, locate the given as to business
loans or consumer loans.
3. Let the learners participate by allowing them to explain in class their
answers.
BUSINESS LOAN VERSUS CONSUMER LOAN
Term of
Business Loan Consumer Loan
Reference
Collateral May require collateral ( real May also require a
estate, other investment, collateral
equipment, fixtures or
furniture)
Guarantor Require the business owner to Does not usually require a
sign as guarantor. guarantor
Documents The lendee has to submit The lendee may require a
a credit report, income tax credit report, bank statements,
returns and the company’s and income tax return. If
financial statement. he/she is employed, a
certificate of employment and
employee pay slips will be
submitted
Term of the Short-term Longer-term
Loan
Interest rate Higher interest Lower interest rate
Guide Questions:
1. Who among them applied for a loan easier? Why do you say so?
2. what were the requirements asked for the approval of their loans?
3. In What way do you think Bessy’s loan is different from Conny’s
loan?
4. Do you think applying for a loan is good or bad?

STA. MARIA, LAGUNA
ENGAGEMENT (10 minutes)

Identify whether the following illustrates a business loan or a consumer loan.
Write LAGO if the situations shows business loan and SAYA if it states a consumer
loan.
1. Mr. Florendo plans to have a barber shop. He wants to borrow some money from
the bank for him to buy the equipment and furniture for the barber shop.
Answer:___________________
2. Angelica is planning to take up engineering as her college course. To support her,

Mr. and Mrs. Banila, her parents, borrowed money from the bank for her financial
needs.
Answer: ________________
3. Because of her love for our country, Mrs. Reyes always conduct an Independence
Day presentation to his barangay. But because of COVID-19, she got a problem
with her business and need extra money to finance her advocacy. She realized that
she need to borrow money from the bank to finance her plan.
Answer: ____________
4. Mrs. Catudio wants to have some improvements on their 100-year old ancestral
house in Santa Maria Laguna which was also identified as a historical house in the
province. She wants to repair the ceiling in preparation for the rainy season. She will
borrow some money from the bank to finance this plan.
Answer: _____________
5. Mr. Engote owns the Kakanin food cart business. He wants to out another food
cart on a new mall in Famy, Laguna. He decided to have a loan amounting to
P100,000.00 to establish the new business.
Answer: ____________
6. In preparation for the online learning of her children due to the COVID-19
pandemic, Mrs. Castro decided to buy laptops for them and got an internet
connection. But because of short in budget, she needed to borrow money amounting
to P80,000 for this school preparation.

STA. MARIA, LAGUNA
Answer:___________
7. Instead of working as a Manager in a certain company, Mr. De Guzman decided
to leave his job and put up an internet cafe instead. To finance his business, he
borrowed money from Kapamilya Bank.
Answer:____________
8. Because Maricris believed that Filipinos are truly honest, she decided to put up an
Honesty Bookstore in front of Laguna State Polytechnic University. Everyone can get
what they need and pay for it without anyone in the cashier. But before she can own
this shop, she borrowed P 1,000,000.00 from the bank to finance the expenses in
putting up this bookstore.
Answer:___________
9. Kevin excelled in Science and even won various competitions relative to Applied
Science. At the back of his achievements are his supportive parents. Before he
invented the COVID -19 scanning robot, his parents need to finance her project with
a big amount. Because his parents believed in him, they even borrowed money from
the bank just for him to finish his invention.
Answer: ____________
10. Ivana really loves her family. They supported her in all of her endeavors. As
return of gratitude, , she promised them that they will make a tour of great palces in
the world. To realize her promise, and to help her finance their tour, she applied for a
personal loan amounting to P200,000.00 to Bank TS.
Answer: _________
1. What do you feel about the activity?

2. Base from the activity, how will you define business loan and
consumer loan?
3. If you will apply for a loan, what will be your plan, so that you will
never fail in paying it?
ASSIMILATION (10 minutes)

Using the Venn Diagram, write words or statements that will compare business from
consumer loans.

STA. MARIA, LAGUNA
ASSIGNMENT
If ever you come across in either business or consumer loans, give your thoughts on
the following statements showing how to manage loans effectively ( Security Bank
Team)
1. Borrow for the right reasons.

______________________________________________________________
___________________________________________________________________
2. Borrow only for what you need.
______________________________________________________________
___________________________________________________________________
3. Know how much you can afford to pay
______________________________________________________________
___________________________________________________________________
4. Choose the right loan facility
______________________________________________________________
___________________________________________________________________
5. Monitor your cash flow, specially your spending

STA. MARIA, LAGUNA
Prepared by:
DIONISIA R. DITA
NAME OF PERSONNEL
Date: June 20, 2020

Noted:
RHEA D. GARGALLO
School Assistant Principal II


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Republic of the Philippines

BUSINESS AND CONSUMER LOANS

Time Frame: 1 hour

Content Standard: The learner demonstrates understanding of basic

1. Define business loans and consumer loans.

III. SESSION PROPER

1. Analyze and tell something about the picture.

B. Find Your Perfect Match

__________________1. It is a financial obligation of paying someone a certain

LOAN TERM COLLATERAL

RATE BUSINESS LOAN INTEREST

PRINCIPAL CONSUMER LOAN GUARANTOR

Gaudencio Octavio Integrated High School

DEVELOPMENT (15 minutes)

BUSINESS LOAN VERSUS CONSUMER LOAN

Gaudencio Octavio Integrated High School

ENGAGEMENT (10 minutes)

2. Angelica is planning to take up engineering as her college course. To support her,

Gaudencio Octavio Integrated High School

1. What do you feel about the activity?

ASSIMILATION (10 minutes)

Gaudencio Octavio Integrated High School

1. Borrow for the right reasons.

Gaudencio Octavio Integrated High School

Date: June 20, 2020

Gaudencio Octavio Integrated High School

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