SERAPION C. BASALO MEMORIAL COLLEGES, INC.

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SEMI-DETAILED LESSON PLAN IN GENERAL MATHEMATICS

Lesson 4.1 Maturity Value

Prepared by: Checked by:

NELLY ROSE C. MORTIZ JOHN LESTER A. CALANDINGAN

Pre-Service Teacher Cooperating Teacher
 CONTENT STANDARD
The learner demonstrates understanding of the key concepts of simple interest and maturity value.

PERFORMANCE STANDARD
The learner is able to investigate, analyze and solve problems involving simple interest and
maturity value using appropriate business and financial instruments.

LEARNING COMPETENCIES
Compute interest, maturity value in simple interest environment.M11GM-IIa-b-1

I. LEARNING OBJECTIVES
At the end of the discussion, the learners should be able to;
a. Understand the concept of maturity value.
b. Appreciate the importance of maturity value in dealing with business matters that involves
money.
c. Solve problems involving maturity value.

II. SUBJECT MATTER

Topic: Maturity Value
Materials: Visual Aids, markers, bond papers, and calculator
Reference: General Mathematics (pp. 186– 195) by Orlando A. Oronce
Values Integration: Critical thinking, Active participation, and Determination

III. PROCEDURE
Teachers’ Activity Learners’ Activity
Preliminaries
 Classroom Management
(Students will arrange their chairs
“Before our class starts, kindly arrange your chairs properly
and pick up pieces of garbage on
and pick-up any pieces of trash on the floor and put it directly
the floor)
into the trash bin”

 Prayer
“Let us all stand for the prayer”
(Everybody will stand for the prayer)

 Greetings
Good afternoon Ms. Nelly!
“Good afternoon class!” “How was your day?”
  Checking of Attendance
“Classroom secretary, please kindly list down all the (Classroom secretary will list down
absentees this afternoon and give it to me right after the absentees)
our discussion!”
A. ACTIVITY

a. Review
(Teacher will ask the topic that was discussed yesterday) (Students response)

“Class, What is simple interest?”

“Again class, be specific!” “Tubu ma’am!”
“What is simple interest?”
“Simple interest is the charged only
on the loan amount called the
“Very Good!” principal.”
“How can we solve the simple interest class?”
“Simple interest is calculated by
multiplying the principal by the rate
of interest by the number of payment
“Very Good!” periods in a year.”

“Now! To easily calculate simple interest, what formula “I=Prt”

should we use?”
“Or!” “Triangular method”
“Very Good!”

b. Drill
 The teacher will lead the students to do the (Students participate)
mathematics dance

c. Motivation (Word Search) (5 minutes)

Instructions:
ù The teacher will show the word search table.
ù The teacher will call student volunteers to find the
words in the word search table.
ù The task should be done in 5 minutes.

Words to be found: Money, monetary, invest, finance,

wealth, bank, budget, amount, due, maturity, value
S A M O U N T B I W
D M Y F E M E U N E
U O O T F A N D V A
E N M N D U R G E L (Students will search the following
D E T E E T E E S T
A Y E X B T I T T H words being listed)
R E X R W O A O O N
F I N A N C E R N C
E M A T U R I T Y E
B A N K M V A L U E

Mechanics:
a)The class will be (Students response may vary)

divided into two

groups.
b)The group will
choose a RUNNER (Students participate)

who will go in front to

guess the word that is
presented by the
pictures projected in
the TV.
c)If the answer is
correct, 1 point will be (Students analyze and solve the
given word problem)

given to the group

where the member
belongs.
d)The group who got
3 points will be the
winner.
Mechanics:
a)The class will be
divided into two
groups.
b)The group will
choose a RUNNER
who will go in front to
guess the word that is
presented by the
pictures projected in
the TV.
c)If the answer is
correct, 1 point will be
given to the group
where the member
belongs.
d)The group who got
3 points will be the
winne
Follow up questions:

Questions:
1.What do you think
does this words
represent?
2.Do you have any
idea of our lesson
about?
1. What do you think these words represent?
2. Do you have any idea what will be our lesson all
about?

d. Activity Proper (Solve Me!) 5 minutes

Group Activity:
Instructions:
 The teacher will divide the class into 4 groups through
counting.
 The teacher will provide mathematical problems.
  The representative of each group will pick in the box
for their problem and will be given time to solve it.
 The task should be done within 3 minutes.
Possible Problems:
1. If maturity value is when you add the principal amount
and interest. Calculate the maturity value of a P5,000
loan with the simple interest rate of 10% per year. The
duration of the loan is 3 years.
2. If maturity value is when you add the principal amount
and interest. If P9,600 is borrowed and P800 interest
is due, what is the future value (maturity value) of the
loan?
3. When you add the principal amount and interest it will
result to maturity value. Calculate the future value
(maturity value) of a P6,500 loan at 8.5% interest rate
if the loan was taken out on February 12, 2023 and
repaid on February 12, 2025.
4. IKEA Furniture can purchase furniture with a three-
year simple interest loan at 8% interest per year. What
is the maturity value of a 3500 loan if you add the
interest and principal amount?
B. ANALYSIS
The teacher will ask the following questions.
1. What have you observed in the activity? (Random student will answer)
2. What formula did you use to solve the problems?
3. How did you solve for the maturity value?
(Random students will answer)
C. ABSTRACTION
(Students participate)

When we add the Maturity value or Future value – is

principal and the the amount to be paid on the due

date of a loan; or the addition of the

interest we
principal amount that we have in the
beginning and the interest earned
on that principal amount after the
completion of the period.
called it Maturity
Values and we
write it in form
of S=P+ I
(The teacher will instruct the students to read the definition of
maturity value)

When we add the principal and the interest, we called it

Maturity Value and we write it in a form of;
A = P+ I or A = P(1 + rt)

A = maturity value
P = principal
I = Interest

Example 1:
Find the maturity value if 1 million pesos is deposited in a
bank at an annual simple interest rate of 0.25% after (a) 1
year (b) 5 years?

When we add the

principal and the
interest we
called it Maturity
Values and we
write it in form
of S=P+ I
When we add the
principal and the
interest we
called it Maturity
Values and we
write it in form
of S=P+ I
Solution:
(a) When t = 1, the simple interest is given by
I = Prt
I = (1,000,000)(0.0025)(1)
I = (2,500)(1)
I = 2,500

The maturity or future value is given by

 A=P+I
A = 1,000,000 + 2,500
A = 1,002,500

(b) When t = 5, the simple interest is

I = Prt
I = (1,000,000)(0.0025)(5)
I = (2,500)(5)
I = 12,500

The maturity or future value is

A=P+I
A = 1,000,000 + 12,500
A = 1,012,500 = the future or maturity value after 1 year.

Example 2:
A loan institution charges 12% simple interest for a 3-year,
P60, 000.00 loan. Find the total amount that must be paid to
the loan institution at the end of 3 years.

Given:
P=60,000.00
r = 12% or 0.12
t=3
A = P (1 + rt)
= 60,000 [1 + (0.12)(3)]
A = 81,600.00

D. APPLICATION
In a½ sheet of paper. Answer the question.
1. What is the relevance of studying maturity value in
your daily lives?

E. GENERALIZATION

Always remember that maturity value is the amount to be

paid on the due date of a loan or the amount to be paid to an
 investor at the end of the period for which an investment has
been made. It can be solved by adding the simple interest to
the principal amount or just use the following formulas.
A= P + I
A= P + Prt
A= P (1 + rt)

In addition, maturity value is important when dealing with

investments and loan. As an individual it is necessary to
know and understand these concepts so that in the future you
will know how to solve or calculate your own investment and
loan maturity value.

IV. EVALUATION
In a ½ sheet of paper. Solve the following problems involving maturity value. Show your solutions.
1. You invest P5,000 in a savings account with an annual interest rate of 3%.How much
money will you have after 5 years?
2. You take out a loan of P10,000 with an annual interest rate of 5%. What is the
maturity value of your loan after 8 years?
3. Two years ago Lorelei placed P2,000 into an investment earning 6% simple interest
rate. What is the maturity value of her investment three years from now?

V. ASSIGNMENT

In a ¼ sheet of paper.
1. Let’s say you have invested a sum of P10,000 in a Bank for 5 years, and a bank is offering
you 10% simple interest per year on this investment. Calculate the maturity value of this
investment.