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12/05/2025

MONEY AND BANKING

Definition of Money: It refers to anything generally accepted for the purchase of goods and services or for settlement of debt.

The drawbacks or limitations of the trade by barter system led to the invention of money 💸 to serve as a legal tender.

A legal tender refers to anything declared by law to be money. For example the legal tender in Cameroon is FCFA, Nigeria is Naira, Japan is Yen etc.

Money in Cameroon is divided into banknote and coins of different denominations.

Qualities of money

1] Acceptability
2] Portability
3] Recognizability
4] Divisibility
5] Durability
6] Scarcity
7] Non- Counterfeitability

Functions of money

1] Medium of exchange
2] Store of value
3] Unit of account
4] Payment of salaries or wages to workers

Demand for money

This is the desire of people to hold money in liquid form or cash rather than to purchase goods and services or to keep it in banks.

People hold money in liquid form for three reasons

1] For transactionary motives

2] For precautionary motive

3] For speculative motives

Active balance= Transactionary motives+ Precautionary motive

Idle balance= Speculative motives

Demand for money= Transactionary motives+Precautionary motive+ Speculative motives

For example

The budget of a household for the month is as follows:

•Speculative motives= 6,00,000frs

•Transactionary motives= 8,00,000frs

•Precautionary motives= 400,000frs.

Calculate

I] The idle balance
II] Active balance
III] Demand for money.

Solution

I] Idle balance= 600,000frs(Speculative motives)

II] Active balance= Transactionary motives+ Precautionary motive

=800,000frs+400,000frs= 1,200,000frs

III] Demand for money= Transactionary motives+Precautionary motive+Speculative motives

= 600,000frs+800,000+400,000frs

Demand for money= 1,800,000frs

Tutor ENOW MARTIN EGBE.

Economics (Money and Banking)

677941606

11/05/2025

SOUTH WEST REGIONAL MOCK 2018

PAPER TWO

SECTION C : CEDI

LESSON

7a] Differentiate between the following (12mrks)

I] Globalization and sustainable development

Solution

1]Focus : Globalisation focus on a country economic growth by promoting international trade, investment and economic cooperation while sustainable development ensures long term environmental conservation and societal sustainability.

2]Goal : The main goal or aim of Globalization is to increase economic efficiency and growth while sustainable development main aim is to seek to balance economic, social and environmental goals.

3]Approach: Globalization encourages free trade amongst countries as a means to expand market size and encourages globalisation while sustainable development encourages the placing of good regulations (rules) and responsible society as a means to achieve sustainable development.

Globalisation and sustainable development helps a country to achieve both economic growth and sustainable development.

II] International trade and international aids.

Solution

1]Definition: International trade refers to the buying and selling or exchange of goods and services between two or more countries across international boundaries while international aids refers to financial or material assistances given by one country to another during moments of needs of support.

2]Purpose: International trade is aim to promote economic growth and Efficiency in a country while international aids is focus to remove a country from poverty and underdevelopment to enjoy high standard of living.

3] Impact or Consequences: International trade has both positive and negative effects on countries involved while international aids have only positive impact on the receiving country (recipient country)

International trade and international aids plays an important or vital role in global development in countries.

b) Examine the impacts of international aids on the recipient country (13mrks)

Solution

Inte

10/05/2025

MEGA ONLINE SCHOOL ARTS

COMMERCE

ENOW MARTIN EGBE

677941606

LESSON

*BUYING AND SELLING OPERATION DOCUMENTS*

1] Sales contract: It is a document which the seller transfer or agrees to transfer the property of goods or services to the buyer for considerable sum of money 💸 called price.

*Characteristics of sales contract*

1] It should be made up of two parties namely buyer and seller

2] The transfer of ownership should be interms of goods

3] Debt should not be the subject matter but goods should be the subject matter

4] The contract should have a price of consideration.

2] Customer credit: This is a credit in an arrangement by which a buyer can take possession my something now and pay later either completely or installments.

*Types of customers credit*

1] Hire purchase: This is when buyers make installment payments to the seller for claiming ownership of a good or services

2] Credit sales: It is when buyers are allowed with the goods then pay latter. Or it is when the buyer takes possession and ownership of the goods with an agreement to pay the price in the future either completely or installments.

*Differences my hire purchase and credit sales*

1] Credit sales is given for non durable goods while hire purchase is used for durable goods

2] in credit sales customers must pay pay the 1st installment before owning the product while with hire purchase the customer only owns the product after paying the last installment for the product.

3] With credit sales the seller cannot resell the product after the first installment while with hire purchase, the seller can resell the product after the first installment

4] With credit sales goods can be sold to third parties while hire purchase goods can not be sold to third parties.

5] Credit sales charges lower prices while hire purchase charges higher prices.

3] Franchising: This is an agreement between the firm and someone to make use of her brand, name or trade mark for a given period of time.

20/04/2025

MEGA ONLINE SCHOOL ARTS

GEOGRAPHY

ENOW MARTIN EGBE (online tutor)

Lesson

MAP ENLARGEMENT

This is the process of increasing the map twice the original size. It follows different manipulation steps touch the length, width, grid references spacing, map scale.

Steps or procedures

1] Identify the points to be enlarged using the grid references given to you.

2] Measure the length (longest size) using your ruler and × by 2

3] Measure the width (short size) using your ruler and × by 2

4] Measure the grid references using your ruler and × by 2

5] Enlarge the map scale by multiplying the original scale by 2

6] Using the enlarged map length, width, grid references spacing draw your enlarged map and insert the features required in their appropriate positions

Note: The size of the features should be large unlike in the original map.

Write your title, scale, orientation and legend or key.

Congratulations 👏

Tutor ENOW MARTIN EGBE

683858779.

Ebooks, Documents in printable format available.

Keep learning

11/04/2025

PAPER TWO

SECTION B PHYSICAL GEOGRAPHY

Instructions: Answer only one question

1a) Define tht following terms (2×5=10mrks)

I] Asteroid belt
II] Inner planets
III] Outer planets
IV] Longitudes
V] Parallel lines

b) State five 5 differences between Latitudes and longitudes (10mrks)

2a) Distinguish between inner planets and outer planets (8mrks)

b] State two outer planets and two inner planets (2mrks)

c] Complete the table below by calculating the straight line distance SLD from Town A to B (6mrks) show all working

Town. Lat 1. Lat 2. SLD
A 30°N. 16°S.
B. 18°S. 20°N

d] Calculate the Longitude given a GMT 10pm and local time 9am (4mrks)

SECTION D: CAMEROON GEOGRAPHY

Using an outline map of Cameroon, represent the following features (prepare your key ) 5mrks

I] Western highland
II] Ferruginous soils
III] Two regional capitals
IV] Alluvial soils
V] Mount Cameroon

TUTOR:ENOW MARTIN EGBE

® Geography made easy.

11/04/2025

GEOGRAPHY GCE PREPARATION TEST

Tutor ENOW MARTIN EGBE

® Geography made easy

TEST 1 MCQ

1] The most important parallel line is called?

A] Tropic of cancer
B] Tropic of Capricorn
C] Antarctic circle
D] Equator

2] Imaginary lines that divide the earth 🌎 into two equal halves is called

A] Latitudes
B] Parallel lines
C] Great circle
D] Great cycle

3] The relationship between distance measured on the map(cm) and corresponding distance on the earth surface (km) is called

A] Title
B] Grid references
C] Scale
D] Cardinal point

4] All the following are types of scales except:

A] Ratio scale
B] Rectangular scale
C] Linear scale
D] Statement scale

5] All the following are characteristics of meridians except

A] They run from north to south
B] They are used to calculate distance
C] They are measured from west to east
D] They all meet at the poles

6] The longest Latitudes line is called

A] Tropic of cancer
B] Equator
C] Antarctic circle
D] South pole

7] Calculate the straight line distance SLD from 24°S to 16°N

A] 4440km
B] 3241km
C] 888km
D] 6250km

8] Given the GMT is 9pm and longitude 70°W. Calculate the local time (LT)

A] 8am
B] 10pm
C] 5pm
D] 6am

9] Which type of soil type develops at the western highland of Cameroon?

A] Ferralitic soils
B] Ferruginous soils
C] Alluvial soils
D] Volcanic soils

10] All are cash crops except one. Select the exception

A] Rubber
B] Tomatoes
C] Cotton
D] Cocoa

11] There are how many relief regions in Cameroon?

A] 3
B] 4
C] 5
D] 6

12] All are outer planets except one. Select the exception

A] Mars
B] Jupiter
C] Saturn
D] Uranus

13] Given the local time 2am and GMT 4pm. Calculate the longitudes

A] 90°E
B] 30°W
C] 90°W
D] 30°E

14] Which relief region occurs along the Atlantic ocean?

A] Southern low plateau
B] Western highland
C] Northern lowland
D] Coastal Lowland

15] Which soil type is dominant at tht southern Cameroon low plateau (sclp)?

A] Alluvial soils
B] Ferrugin

29/03/2025

QUESTIONS

1a) What is local time? (2mrks)

b) Calculate the local time from country A to D

Table 1

Country. Longitude. GMT
A 105°W. 3PM
B. 45°E. 8PM
C. 75°W. 7AM
D. 150°W. 10PM

C) Differentiate between parallel lines and meridians [6mrks]

2a] What is a crystalline rock?(2mrks)

b) State and explain four 4 rocks formation processes (12mrks)

C) State two uses or Importance of rocks to man (2mrks)

3] “The earth surface always shake, vibrate when tectonics plates moves hence surface features are destroyed while others are constructed”. Answer the following questions

I] Which natural occurences is taking place here? (1mrk)

II] State and explain Three causes of this natural disaster (3mrks)

III] State and explain three 3 effects or consequences of the natural disaster (8mrks)

IV) State four 4 adaptation measures (4mrks)

TEACHER: ENOW MARTIN EGBE

MEGA ONLINE SCHOOL ARTS

677941606 / 683858779

08/02/2025

CAMEROON GEOGRAPHY (A’L)

GCE 2020 paper 3

2a) Using the outline map of Cameroon provided show the main vegetation types of Cameroon (4mrks)

b] Describe the main natural and man made touristic resources in Cameroon (10mrks)

c] Explain three socio-economic impacts of tourist industry in Cameroon (9mrks)

Solution

Vegetation refers to the type and manner in which an area is covered by plants or grass. An area covered by trees is called forest while an area covered by grass is called grassland or savannah while an area with bare surface is called 🏜️ desert.

In Cameroon, vegetation distinction is determined by the distribution of rainfall and temperature. Forest occupies the south while savannah or grassland occupies the North of Cameroon. In Cameroon there are five (5) vegetation types namely

-Equatorial rainforest
-Mangrove forests
-Guinea savannah
-Sudan savannah
-Sahel savannah

b) The main natural and man made touristic resources in Cameroon include

1] Mountains such as Mt. Fako with height of 4100m is the highest and most active volcano in West and central Africa hence attracting thousands of tourist.

Also, there are varieties of plants and animals species encouraging ecotourism.

2] Lakes: The presence of crater lakes as Barombi Lake, twin lakes of Muanenguba, Lake oku, Lake Nyos serves as attraction sites for tourists in Cameroon

3] Beaches : The Limbe, kribi beach, Semme beach attracts tourist yearly for relaxation and rest during holidays.

4] Forest reserves and National parks as Waza park, korup park, Takamanda forest reserve, Douala-Edea reserves, Dja forest reserve has preserves some plants and animals species from extinction by overexploitation now encourage the inflow of population to see and experience such reserves.

5] Rivers: The presence of rivers as River wouri, River Benue, River Sanaga has attracted tourist to come to see the largest river called River wouri and longest river called River Sanaga with distance of 918km from th

03/01/2025

CAMEROON GEOGRAPHY

REVISION QUESTIONS

1] Identify three major relief regions in Cameroon and examine their characteristics (25mrks)

Answer

Cameroon is a country located in central Africa border to the North by narrow portion of the lake Chad, south by equatorial guinea, Gabon and Congo; West by Federal republic of Nigeria to the East by Chad and Central African republic (CAR) and south east by Atlantic ocean. Cameroon is divided into five (5) major relief regions made up of two lowlands as Northern lowlands and Coastal lowlands and three highlands or plateaux as Adamawa plateau, Southern Cameroon low plateau (sclp) and Western highland. These relief regions have distinct characteristics grouped under location, climate, soil, vegetation, population density, Economic activities and major towns

Coastal lowlands

Location: Firstly coastal lowlands is located along the coast of the Atlantic ocean stretching from Rio del Rey to kribi

Climate: Secondly the coastal lowlands is having an equatorial maritime climate with annual temperature of 27°C and annual rainfall of 2500mm

Vegetation: Also, it is having a mangrove forests due to the presence of the Atlantic ocean

Soil: Also, it is having a fertile soil as alluvial soil and volcanic soil in Buea influencing the cultivation of both food and cash crops such as cocoyam, cassava, plantain, maize, Rubber, oil palm, Cocoa making farming the major economic activity in the coastal lowlands and other minor Economic activities as forestry,tourism,and industries.

Major towns. Moreover the major towns in the coastal lowlands include Douala, Kribi, Tiko and Edea dominated by trubes such as Duala, Bakweri, Bassa, Bafaws, Bayangs and pygmies

Population density: The coastal lowlands is having a high population density.

*Western Highlands*

1] Location: It is located and covers the west and North West portion of the Map made up of high mountain peaks as Mt. Kupe, Mt. Mbapit, Mt. Oku,Mt. Bambutous.

2] Soil: It

02/01/2025

Grass--> Horse 🐴--> Lion 🦁--> Fox
Which is an omnivore?
A) Fox B) Horse C) Lion D) Tiger

02/01/2025

The breakdown of rocks insitu is called
A) Chemical weathering B) Physical weathering C) Weathering D) Biotic weathering

02/01/2025

Economics
The total satisfaction derived from a product is?
A) Marginal utility B) Utils C) Utility D) Total utility

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