Republic of the Philippines

Region X
Department of Education
Division of Lanao del Norte
Lanao Del Norte National Comprehensive High School
Senior High School
DETAILED LESSON PLAN
School Lanao del Norte National Comprehensive High School Year and Strand Grade 11
Teacher Junrey O. Sarausas Learning Area General Mathematics
Time & Dates November 6,2024 Quarter First Semester (2nd
Quarter)

I. OBJECTIVES
● Content The learner demonstrates understanding of key concepts of simple and compound interests, and
Standards simple and general annuities.
● Performance The learner is able to investigate, analyze and solve problems involving simple and compound
Standards interests and simple and general annuities using appropriate business and financial instruments.

Learning competency: illustrates simple and general annuities (M11GM-IIC-1)

● Learning Learning Objectives:

Competencies/ At the of the session, 80% of the students are expected to;
Objectives a. Identify simple and general annuities in a given statement;
b. Illustrate simple and general annuities;
c. appreciate the importance of simple and general annuity in real life situation.
II. CONTENT

A. Subject Matter Simple And General Annuities

B. Integration English: Vocabulary
Val. Ed: Cooperation
III. LEARNING Learner’s material, teacher’s guide
RESOURCES
A. References

1. Teacher’s Guide pp. 168-198

pages
2. Learner’s
Materials pages
3. Textbook pages
4. Additional
Materials from
Learning
Resource(LR)
portal
B. Other Learning
Resources
IV. PROCEDURES Teacher’s Activity Student’s Activity
● Review previous A. Preliminary Activity (Students do as told)
lesson or 1. Prayer
presenting the 2. Greetings
new lesson Good Moring Class! Good Morning Sir!
(5 minutes)
Before we move to our next lesson today. Please! pick-up some
pieces of paper under your chairs.
You may ow take your seats. Thank You Sir.

3. Checking of Attendance None Sir/(student name) is

Class, who is absent today? absent sir.

Very Good! / Please tell them to write an excuse letter. Yes Sir!
 B. Classroom Rules
1. Listen Attentively
2. If you have some questions please raise your right hand. (Students will read the classroom
3. Respect others opinion rules)

C. Checking of assignment

Do we have an assignment? None sir.

D. Review

( )
What is the formula of Future value in Compounding m in time ι
m mt

a year? F=P 1+
m
What about the present value at compound interest?
F
P=
( )
mt
ιm
1+
m
E. Motivation
What is an installment payment?
An installment payment plan
refers any bill paid off over time
Based on your answer and idea what would be our topic for in consecutive.
today?
Installment sir!

The teacher explains the students that payments by installment

are done periodically, and in equal amounts. This payment
scheme is called annuity.
Students will read the objectives
Before we go to our main topic, let read our lesson objectives.
Kindly read our learning objectives Learning Objectives:
● Establishing a
purpose for the
At the end of the lesson the
lesson students are expected to;
(3 minutes) a. Identify simple and general
annuities;
b. Illustrate simple and general
annuities;
c. demonstrate cooperation in
group activity.
● Presenting The teacher presents the definition of terms regarding annuity.
examples/
instances of the Definition of Terms:
new lesson
(5 minutes) ⮚ ANNUITY– a sequence of payments made at Students will read the definitions
equal(fixed) intervals or periods of time

Annuities may be classified in different ways, as follows.

⮚ Payment interval – The time between successive

 payments
⮚ Term of an annuity, t – time between the first payment
interval and last payment interval.
⮚ Regular or Periodic payment, R – the amount of each
payment.
⮚ Amount (Future Value) of an annuity, F – sum of future
values of all the payments to be made during the entire
term of the annuity.
⮚ Present value of an annuity, P – sum of present values
of all the payments to be made during the entire term
of the annuity.

What are the examples of annuity? Examples of annuity –

instalment basis of paying a
car, appliance, house and lot,
tuition fee, etc.

Identify the following statement that falls in Simple and General

● Discussing new annuity.
concepts and Possible Answers of students;
1. Monthly payments of Php3500 for 5 years with an interest
practicing new
skills #1
rate of 3% compounded monthly. 1. Simple annuity
(5 minutes) 2. Monthly payments of Php7000 for 2 years with an interest 2. General annuity
rate of 3% compounded quarterly. 3. Simple annuity
3. Semi-annual payments of Php6000 for 4 years with an 4. general annuity
interest rate of 0.25% compounded semi-annually
4. A motorcycle can be bought on a monthly installment of
Php3600 for 2 years at 12% compounded annually.

To illustrates the simple and general annuity:

Students listen to the teacher
General Annuity

Simple Annuity

● Discussing new Example 1.

concepts and
practicing new Eunice purchase appliances to be paid Php 3000 every month
skills #2 for 6 months with an interest rate of 9% compounded
(10 minutes) monthly.

Solution/Illustration
 Example 2. A car loan can be bought on a quarterly
installment of Php 36 000 for 2 years at 12% compounded
annually.

Solution/Illustration of cash flow in time diagram:

P F
36000 36000 36000 36000 36000……. 36000
0 1 2 3 4 5 … 8
8 quarters

R=36000 None so far sir

Term t = 2 years
Payment Interval= 1 quarter

Any questions in illustrating simple and general annuity?

Directions: Identify what type of annuity is being

illustrated and make a cash flow in time diagram base in the
Students possible answer;
statement bellow.
1. Simple annuity
1. Georgia bought a television set at Php870 to be paid every
● Developing
mastery (leads month for 18 months with an interest rate of 6% compounded Diagram:
to formative monthly.
assessment 3)
R=870
(4 minutes) Term t= 1 ½ years
Payment Interval= 1 month
P F
870 870 870 870…870
0 1 2 3 4 … 18

Group Activity
Directions: Each group will be given a situation in annuity
and answer what is being asked. Choose a leader, a
secretary and your representative. Students possible answer:

Group 1
Identify what type of annuity is being illustrated in the Group 1
statement below.
1.General Annuity
1. Eunice purchase a laptop to be paid Php3050 2. Simple Annuity
every month for 1 year with an interest rate of 9%
compounded quarterly.
Finding practical
2. Gian pays the monthly amortization of his
applications of
concepts and skills automobile loan at Php18600 for 5 years with an
in daily living interest rate of 7.5% compounded monthly.
(10 minutes)
Group 2. Group 2
Create a cash flow in time diagram based on its annuity
Diagram:
1. Eunice purchase a laptop to be paid Php3050 P F
every month for 1 year with an interest rate of 9% 3050 3050 3050 3050 …3050
compounded quarterly. 0 1 2 3 4 … 12
12 months
Group 3 R=870
Term t= 1 year
Create a cash flow in time diagram based on its annuity
Payment Interval= 1 month
1. Gian pays the monthly amortization of his
automobile loan at Php18600 for 5 years with an
Group 3
 interest rate of 7.5% compounded monthly. Diagram:

Group 4 P F
18600 18600 18600 18600 … 18600
In your own idea write in a one paragraph that stated the 0 1 2 3 4 … 60
difference between simple and general annuity. 60 months
R=870
Your work will be graded based on this rubric. Term t= 5 years
Payment Interval= 1 month

Group 4.
Students answer may vary

Generalization Students possible answer

What is annuity? ANNUITY– a sequence of

● Making payments made at equal(fixed)
generalizations In your own idea how can we illustrate simple annuity? intervals or periods of time
and abstractions
about the lesson How can we apply Simple and general annuity in our daily lives?
Students answer may vary
(3 minutes)

Directions: Identify what type of annuity is being Students Answer

illustrated and make a cash flow in time diagram base in the 1. General Annuity
Diagram:
statement bellow.
P F
1. Maya pay of Php 7000 quarterly for her students 7000 7000 7000 7000 …7000
● Evaluating
Learning insurance for 2 years with an interest rate of 3% 0 1 2 3 4 … 24
5 minutes compounded annually. 8 quarter
R=7000
Term t= 2 years
Payment Interval= 1 month

Directions: Identify what type of annuity is being illustrated and cash flow in time diagram
base in the statement bellow. Write your answer in your notebook.
1. A television (TV) set is for sale at Php13,499 in cash or on instalment terms. Php2,500 each
month for the next 6 months at 9% compounded monthly.
Additional activities/
Remediation or For Students who scored 80% and above.
Assignment
1.A television (TV) set is for sale at Php13,499 in cash or on instalment terms. Php2,500 each
month for the next 6 months at 9% compounded monthly. If you were the buyer, what would you
prefer, cash or instalment? Support your answer with the used of cash flow in time diagram.

- -
V. REMARKS
Reflect on your teaching and assess yourself as a teacher. Think about your students’ progress. What works? What else needs to be done
to help the pupils/students learn? Identify what help your instructional supervisors can provide for you so when you meet them, you can
VI. REFLECTION
ask them relevant questions.

A. No. of learners who

earned 80% of the
evaluation
 B. No. of learners who
require additional
activities for
remediation who
scored below 80%
C. Did the remedial
lesson work? No. of
learners who have
caught up with the
lesson.
D. No. of learners who
continue to require
remediation
E. Which of my
teaching strategies
worked well? Why
did these work?
F. What difficulties did I
encounter which my
principal or
supervisor can help
me solve?
G. What innovation or
localized materials
did I use/ discover
which I wish to share
with other teachers

Prepared by:
JUNREYT O. SARAUSAS
SHS Teacher 1 Checked:
ROWEL R. LLACA
MT 1