Republic of the Philippines

Department of Education
REGION III – CENTRAL LUZON
SCHOOLS DIVISION OF PAMPANGA
SAN VICENTE NATIONAL HIGH SCHOOL
SAN VICENTE, LUBAO, PAMPANGA

First COT
Detailed Lesson Plan
Grade
Subject: 
Level:  Date:  Semester: Teacher’s
General
11 – HE December 6, 2022 FIRST Annotation
Mathematics
RAMSAY
Quarter 2 Week 4
Compound Interest
I. OBJECTIVES
A. Content Standards The learner demonstrates understanding of key concepts of simple and compound interests, and simple
and general annuities.
B. Performance Standards The learner is able to investigate, analyze and solve problems involving simple and compound interests
and simple and general annuities using appropriate business and financial instruments
C. Learning Objective:
Competencies/Objectives        1. At the end of the lesson, 90% of the students will be able to achieve at least 90% proficiency level:

Illustrates compound interest (M11GM-IIa-1)

computes interest, maturity value,

future value, and
present value in simple interest and
 compound interest
environment.
Computes maturity(future) value and compound interest environment.
(M11GM-IIa-b)

II CONTENT Business Mathematics

III. LEARNING RESOURCES
A. References Pages
TG Textbook Other References:
TEACHING GUIDE FOR SENIOR General Mathematic Learner’s Material
HIGH SCHOOL
Statistics and Probability
Instructional Materials/ PPT Slides
Devices Use LCD Projector, Laptop

IV. PROCEDURES / ACTIVITIES

Preparatory Activities
A. Daily Routine (Before the class start, I always check if the classroom is clean and conducive to learning)
Class, could you please check if there are pieces of paper or any mess under your chair. Kindly pick it and
place it in its proper place.

May I request everybody to settle down and feel the presence of our Lord.
Let us start our day with a prayer. (Teacher will call a student to lead the prayer.)

Good morning, everyone!

You may now take your seat. (The learner will take their seats.)

Is there any absentee for today, class?

1. (None, Ma’am)

B. Reviewing previous lesson
or presenting new lesson
Lesson Development
A. Establishing a purpose for
the lesson
2. (Yes, Ma’am. ____ is absent today.)
 That’s great! We have a perfect attendance.
 Okay, class. Let’s hope and pray that ____ is well. I know she/he has a valid reason why she/he
is absent.
Maintain learning environments that
Just a reminder: nurture and inspire learners to
Covid-19 Protocols participate, cooperate and collaborate in
continued learning.
Always wear your facemask
Keep hands clean (The protocols will guide students
Maintain at least 1 meter distance throughout the class to be always safe at
Open doors and windows for proper ventilation school all the time as well as encourage
Cover your mouth when you have coughs and sneeze when not wearing a mask students to share the authority of setting
Stay at home if feeling unwell goals, assessing, and facilitating learning
Before we proceed to our today’s discussion, let’s first have our GROUP CONTEST. Use effective and non-verbal classroom
communication strategies to support
Rules of the Game: learner understanding, participation,
 The class is divided into 5 groups with 6 to 7 members. engagement, and achievement
 There are 3 questions about solving simple interest that will flash in the screen and the
students will be given 20 seconds to answer. (The teacher begins positive lesson which
 After 20 seconds, the teacher again will count 5 seconds to post their answer on the board and promotes open communication so that
the group that cannot follow instruction will be disqualified. each student can participate/engage in
 The group will assign 1 member to post their answer. the activity following the rules.)
 The group who got the correct answer within the time limit will get the prize
Okay! we are done with our review for today.
Just a friendly reminder, this activity promotes Mathematics proficiency, comprehension, and honesty.
GROUP ACTIVITY (SAME GROUP IN THE GROUP CONTEST) Introducing some relevant references,
Questions: which are obviously part of a research
Since we know already the importance of simple interest from our previous discussion, what do you work that is very useful in introducing
think is the importance of compound interest? new concepts because it can strengthen
the knowledge that the students might
(Students will share their idea and cite some references) get in the discussion.

B. Presenting examples /
instances of the new lesson
C. Discussing new concepts
and practicing new skills
Thank you for sharing your ideas and for your cooperation.
Citing relevant review of related literature
One of the importance of compound interest is:
 According to https://www.centralbank.net/learning-center/what-is-compound-interest-and- In this part, I allowed the students to use
why-its-important Compound interest causes your wealth to grow faster. It makes a their cellphones to find the importance of
sum of money grow at a faster rate than simple interest because you will earn returns on compound interest which can be part of
the money you invest, as well as on returns at the end of every compounding period. data gathering procedure wherein
This means that you don't have to put away as much money to reach your goals! students will have different answers
 According to https://smallbusiness.chron.com/uses-compound-interest-business-49709.html according to what they find in the internet
Compound interest opens doors to sources of profits for a company. For example,
businesses can please investors by earning them higher profits than expected
The teacher will post a problem related to the topic:
Find the maturity value and the compound interest if P10,000 is compounded annually at an interest
rate of 2% in 5 years?
What are the highlighted words in the given question?
What is being ask in the problem?
(The student will answer)
Very good!
What do you think is our topic for this morning session?
So, our topic for today is …. Maturity (Future) Value and Compound Interest
Topic: Computing Maturity (Future) Value and Compound Interest Display proficient use of Mother Tongue,
Filipino and English to facilitate teaching
OBJECTIVES: and learning.
At the end of the lesson, 90% of the students will be able to achieve at least 90% proficiency level: (The teacher uses of Mother Tongue
1. Illustrates compound interest (M11GM-IIa-1) and/or Filipino, and/or English to
2. Computes maturity(future) value and compound interest environment. (M11GM-IIa-b) demonstrate a well-developed ability to
easily understand or ease in delivering a
Compound Interest lesson)
Compound interest is the interest you earn on interest.
 Example:
Principal is the base in which interest is computed. If an amount is loaned or borrowed, this amount is
Principal – ung hiniram na pera na wala
referred to as principal. pang tubo/ inutang na pera
Maturity Value Maturity value, or simply the amount or is the sum of the principal and the interest that
accumulates over the agreed term. This agreed term is usually expressed in years or fraction of Term – kung ilang buwan/taon mo
a year (quarterly, semi-annually or monthly). babayaran ang hiniram mong pera
Term is the unit of time for which the principal is loaned, or the length of time the principal is borrowed. Interest/Rate – porsyento ng inutang mo
Interest rate is the multiplier expressed as percent of the principal to be paid each term.

To calculate Maturity (Future) Value and Compound Interest:

t
F=P(1+r )

Where:
P= principal or present value
F = maturity (future) value at the end of the term
t = term/ time in years
r = interest rate

The Compound Interest is:

Ic = F – P

Example #1: The students will be the one to read and analyze the problem (RASA-BASA) The topic itself may somehow apply the
1. Find the maturity value and the compound interest if P10,000 is compounded annually at an methods of research such as: identifying
interest rate of 2% in 5 years? the problem, formulating specific
Given: Asked: questions, data gathering procedure and
P = ₱10,000 a. maturity value stating conclusions
r = 2% or 0.02 b. compound interest
t=5 Because the students will not be able to
Solution: answer the given questions if they don’t
A. Maturity Value Formula is: analyze the problem very well
F=P(1+r )t
= (10, 000) (1 + 0.02) 5
F = P11, 040.081 After getting all the given, the students
 will proceed in making their solution to
B. Compound Interest Formula is: arrive at the final answer. Once they get
Ic = F – P what is ask, they will now provide the
= 11, 040. 081 – 10, 000 conclusion
I c = P1, 040.81

The future value F is P11,040,81 and the compound interest are P1,040.81

Example #2: (Entrepreneurship)

You borrowed money for P6,500 to run a business. The bank loans you the money at 7.2% Apply knowledge within and across
compounded annually and would like you to pay off the loan in 5 years. How much is your curriculum teaching area.
total pay off?
The use of compound interest is not just
Given: Asked: for Mathematics, we can also use this in
P = P6,500 A. Maturity(future) value other learning areas such as
r = 7.2% or 0.072 Entrepreneurship.
t = 5 years
Solution:

t
F=P(1+r )
= 6500(1 + 0.072) 5
= 6500(1.419)
F = P9223.59

Example #3: (Business Mathematics/Business Finance)

How much money should a student place in a time deposit in a bank that pays 1.1%
compounded annually so that he will have P200, 000 after 6 years?

Given: Asked:
F=₱ 200,000 P = present value/principal
r =1.1%∨0.011
t=6 years

Solution:
F
P= t
( 1+ r)

D. Developing Mastery (Leads
to Formative and
Assessment)
Application
E. Finding practical
applications of concepts and
skills in daily living
Generalization
F. Making generalizations and
abstraction about the lesson
Evaluation
200,000
=
(1+0.011)6
= P187,293.65 * The student should deposit P187,293.65 in the bank.
GROUP WORK
(In this part, I want them to work by group to collaborate each other and in order also for them to ask
Shows participation, engagement, and
question whatever confusions they have in their mind about solving maturity(future)value and collaborative in continued learning of the
compound interest) students with respect to their respective
Instruction: answers)
 Each group will assign a representative to pick 1 question
 The group will be given 5 minutes to answer their given question.
 After the time limit, 1 member among the group will explain their output
QUESTIONS:
1. Lex has P1,780.80 in his savings account that he opened 6 years ago. His account has an annual
interest rate of 6.8% compounded annually. How much money did Lex use to open his savings
account?
2. A teacher wants to invest P30,000 into an account that compounds annually. The interest rate at this
bank is 1.8%. How much money will be in the account after 6 years?
3. An investment earns 3% each year and is compounded monthly. Calculate the total value after 6 years
from an initial investment of P5,000.
4. What is the future value of P10,000 on deposit for 5 years at 6 percent annual compound interest?
5. Mr. A invested 100,000 in bank fixed deposit at ABC bank ltd. ABC bank ltd. Pays 8.75% compounded
annually. Calculate the maturity amount that Mr. A will get provided he invests for three years.
Apply a range of successful strategies that
The students are asked to decide to put any amount into an account to use for their cookery expenses. maintain learning environments that
The account earns 4% interest, compounded annually. How much will be in the account after 2 years? motivate learners to work productivity by
assuming responsibility for their own
learning
The students will give a summary on what the lesson is all about.
 G. Evaluating Learning INDIVIDUAL ACTIVITY:
Instruction: Identify the given and show your solution. (5 points each)

1. A deposit of P3000 earns 2% interest compounded annually. How much money is in the bank after for Apply a range of successful strategies that
4 years? maintain learning environments that
2. James is investing P15,000 in the bank. The investment has an interest rate of 6% compounded motivate learners to work productively by
assuming responsibility for their own
monthly. After ten years, how much will James have made? 
learning.
3. Mr. David borrowed P15,000 at 12% per year compounded annually. He repaid $7000 at the end of
1st year. What amount should he pay at the end of second year to completely discharge the load?

Homework/Agreement
H. Additional activities for
application or remediation
For your assignment, fin the unknown principal P, rate r, time t and compound interest using Microsoft In this activity, I allow them to explore
Excel. and experience how to compute
compound interest by using Microsoft
excel by integrating also the use of ICT in
Principal Rate Time Compound Maturity the lesson
Interest (Future)Value
₱6,000 8% 12 (1) (2)
₱12,000 5.5% 6 years
and 9 (3) (4)
months
₱ 60,000 9.75% 10
months (5) (6)
V. REMARKS
VI. REFLECTION
A. No. of learners who earned
80% on formative assessment

B. No. of learners who

require additional activities
for remediation
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
Prepared By:    

MARITCHEL V. CADION
SHS TEACHER – III
STEM 3A Mathematics

Checked By: Approved By:

              ELENA G. OCAMPO            RICKY C. BALINGIT

         Senior High School Focal Person                      PRINCIPAL III
                         Head Teacher III        San Vicente National High School