School Based Assessment (SBA)

Caribbean Secondary Examination Council (CSEC)

2021-2023
 School Based Assessment (SBA) 2021 -2023

Description of project
The Homestead Construction Company is a state owned agency authorized to provide
affordable homes and construction loans for middle and low income earners. The Homestead
Construction Company accepts applications from Jamaican nationals who are employed and
demonstrate that they would be able to meet their mortgage payments each month.

Home Applications
Homes are being built to accommodate approved applicants in three communities: Campton
Courts, Sanitago Grande Villas and Port Maria Gardens. Applicants who are middle and low
income earners must meet a net monthly income in order to qualify for consideration in each of
these communities: $15,500, $10,500 and $9,500 respectively. This net income may be met by
the applicant himself/herself or in conjunction with his/her spouse.
Construction Loans Applications
Homes to be built through the usage of home construction loans must be assessed by civil
engineers at the applicant’s expense of $10,000. The size of plot along with the valuated cost of
land when purchased must be submitted. Applicants who are middle and low income earners
must meet a net monthly income of $30,000 in order to qualify for loan. The net income may
be met by the applicant himself/herself or in conjunction with his/her spouse.
You are required to:
 Create a document using a spreadsheet application to prepare a budget and show all
approved applications.
 Create a database to manage all the data collected by the Homestead Construction
Company.
 Prepare a newsletter using a word processing application to notify all applicant if their
applications have been approved.
 Send letters to all approved applicants.
 Design a webpage to publicize the Homestead Construction Company.
 Use problem solving skills to design and implement a program in Pascal.

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 School Based Assessment (SBA) 2021 -2023

Spreadsheet
Each application must be supported by documents giving details of the applicant’s financial
status. These include the applicant’s salary, monthly salary deductions, amount owed to banks
and other financial institutions must also be disclosed with supporting verifying documents. In
addition, details of applicants’ monthly expenses such as groceries, utilities, transportation,
must be submitted.
1. Create a new sheet by the name of Home Applications which accepts income data from
applicants for each housing community. You may accept at least ten but no more than
fifteen applications:

Home Application
Income
Applicant Applicant Salary Spouse Salary Gross Net Status
name salary deductions salary deductions income income
Joe Griffins $68,000.00 $17,155.00 $7,120.30 $1,935.08 $75,120.30 $56,030.23 Qualified

Monthly Deductions
PAYE tax Health surcharge Union dues Pension plan
$5,440.0 $155.00 $1,360.00 $10,200.00
0
Monthly deductions from
salary include PAYE tax, health surcharge, union dues and payments to pension plan. No tax is
deducted should the applicant’s salary be $60,000 or less. A flat rate of 8% is deducted on the
amount in excess of 5,000. Health surcharge is fixed at $200.00 per month while Union dues are
2% of salary. Pension deduction is 15% of salary. In a small number of instances, applicants’
spouses are unemployed. If the net income meets the qualifying income for the housing
community applied for as specified by the Homestead Construction Company, the applicant’s
status would be “Qualified”, else “Not qualified” should be recorded. All deduction rates are
subject to change.
a) You must enter income data and use appropriate formulae to calculate deductions,
gross income, and net income and determine whether the application qualifies for
consideration.
In another section of your spreadsheet, information on applicants’ loan indebtedness should be
recorded and calculated. Total amounts owed with respect to bank loans, credit card loans and
credit union loans must be revealed.

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 School Based Assessment (SBA) 2021 -2023

Loans
Applicant Bank Credit Credit Bank Credit Card Credit Union
name Card Union Payment Payment Payment
Joe Griffins $14,500.00 $1,550.00 $12,600.00 $1,450.00 $232.50 $930.00

i. Repayment on bank loans is calculated as equal monthly payments over three years at a
simple interest of 8% of the starting loan amount.
ii. Repayment on credit card loans is calculated as equal monthly payments over 18
months at a simple interest of 10% of the starting loan amount.
iii. Repayment on Credit union loans is calculated as equal monthly payments over three
years at a simple interest of 5%. An additional $300.00 is added to the loan repayment
amount each month for the purchase of shares in the credit union.
iv. Some applicants do not have credit cards, and just a few do not have loans with the
credit union.
b) You must enter loan information for each applicant and use appropriate formulae to
calculate monthly repayments. Insert a column to calculate each applicant’s total
monthly payments on loans.
In an appropriate section of your spreadsheet, information on each applicant’s monthly
expenses must be calculated. Each applicant must provide realistic estimates of monthly
expenses on groceries, utilities (water, telephone and electricity), transportation, and
miscellaneous expenses. A column stating the applicant’s number of dependants must be
included. Miscellaneous expense is calculated as number of dependants x $75.00
Groceries Water Telephone Electricity Transportation Applicant's Miscellaneous
number of
Dependent
s
$2,390.00 $2,500.0 $3,540.00 $5,560.00 $3,000.00 3 $225.00
0
Expenses

c) You must enter expense information for each applicant. Insert a column to calculate
each applicant’s total monthly expenses.

For each housing community, insert a table which lists each applicant’s Net Income, Total
Monthly Loan Repayments, and Total Monthly Expenses and Balance.

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 School Based Assessment (SBA) 2021 -2023

Balance = Net Income – (Total Repayments + Total Expenses)

Add a column named ‘Housing Allocation’ that states whether the applicant has been approved
or not approved for housing allocation. An application is approved if the Balance is equal to or
exceeds one half of Net Income.
Create a suitable chart that compares each applicant’s net income, total loan payment, and
total monthly expenses (from the named housing community). Give an appropriate name to
this chart. Print this chart.

2. Create a new sheet by the name of Construction Loans Applications which accepts income
data from applicants for each home construction loan application. You may accept at least
ten but no more than fifteen home construction loan applications:
You are required to:

Construction Loan Application

Income
Applicant Applicant PAYE tax NIS tax Health Pension Salary Net
name salary insurance plan deductions income

Joe $68,000.00 $5,440.0 $1,360.00 $155.00 $10,200.00 $17,155.00 $50,845.00

Griffins 0

Initial Plot value Land Size sqt ft Assessment

Completed
$3,500,000.00 24,146 Yes
Monthly deductions from
salary include NIS and PAYE tax, health insurance, pension plan. No tax is deducted should the
applicant’s salary be $30,000 or less. A flat rate of 5% is deducted on the amount in excess of
5,000. Health insurance is fixed at $150.00 per month while NIS is 10% of salary. Pension
deduction is 15% of salary. If the net income meets the qualifying income specified by the
Homestead Construction Company, the applicant’s status would be “Qualified”, else “Not
qualified” should be recorded. All deduction rates are subject to change.
a) You must enter income data and use appropriate formulae to calculate deductions,
gross income, and net income and determine whether the application qualifies for
consideration.
In another section of your spreadsheet, information on applicants’ loan indebtedness should be
recorded and calculated. Total amounts owed with respect to bank loans, credit card loans and
credit union loans must be revealed.

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 School Based Assessment (SBA) 2021 -2023

Loans
Applicant Bank Credit Credit Bank Credit Card Credit Union
name Card Union Payment Payment Payment
Joe Griffins $14,500.00 $1,550.00 $12,600.00 $1,450.00 $232.50 $930.00

i. Repayment on bank loans is calculated as equal monthly payments over three years
at a simple interest of 8% of the starting loan amount.
ii. Repayment on credit card loans is calculated as equal monthly payments over 18
months at a simple interest of 10% of the starting loan amount.
iii. Repayment on Credit union loans is calculated as equal monthly payments over
three years at a simple interest of 5%. An additional $300.00 is added to the loan
repayment amount each month for the purchase of shares in the credit union.
iv. Some applicants do not have credit cards, and just a few do not have loans with the
credit union.
b) You must enter loan information for each applicant and use appropriate formulae to
calculate monthly repayments. Insert a column to calculate each applicant’s total
monthly payments on loans.
In an appropriate section of your spreadsheet, information on each applicant’s monthly
expenses must be calculated. Each applicant must provide realistic estimates of monthly
expenses on groceries, utilities (water, telephone and electricity), transportation, and
miscellaneous expenses. A column stating the applicant’s number of dependants must be
included. Miscellaneous expense is calculated as number of dependants x $75.00
Groceries Water Telephone Electricity Transportation Applicant's Miscellaneous
number of
Dependent
s
$2,390.00 $2,500.0 $3,540.00 $5,560.00 $3,000.00 3 $225.00
0
Expenses

c) You must enter expense information for each applicant. Insert a column to calculate
each applicant’s total monthly expenses. For each loan applicant, insert a table which
lists each applicant’s Net Income, Total Monthly Loan Repayments, and Total Monthly
Expenses and Balance.
Balance = Net Income – (Total Repayments + Total Expenses)

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 School Based Assessment (SBA) 2021 -2023

Add a column named ‘Loan Approval’ that states whether the applicant has been approved or
not approved for loan allocation. An application is approved if the balance is equal to or
exceeds one half of net income.
Save your spreadsheet as LoanApplication 01.
3.
 The economy has been further severely affected by international fiscal initiatives. To
adjust to these realities and to offset any losses, banks have increased their interest on
loans to 10% and credit cards companies now apply an interest of 15%. The qualifying
income on homes however, has been reduced to $17,500, $12,500 and $11,500
respectively.
 Qualifying for a construction loan now has increased to $35,000 along with the
assessment fee to which now $12,500. Make the necessary changes such that your
spreadsheet’s values adjust to these changes.

Save this spreadsheet as LoanApplication 02.

4.
a) For each housing community, sort the applicants’ Income information in descending
order on net income; Loans information in descending order on total loan payments,
and Expenses first in descending order by total expenses, then by number of
dependants.
b) For construction loans, sort the applicants’ income information in ascending order.
Expenses first in ascending order by total expenses, then by number of Total Monthly
Expenses.

c) In an appropriate part of your spreadsheet, create a table that lists the Net Income,
Total Monthly Loan Payments and Total Monthly Expenses for approved applicants from
ALL three housing communities.
d) Create a suitable chart that compares the financial records of these approved
applicants. Name this chart Approved Applicants.
e) Using a filter extract the names of all applicants who have their home allocation
approved by the Homestead Construction Company.
f) Using a pivot table group the names of home construction applicants by approval status.

Save this spreadsheet as LoanApplication 03.

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 School Based Assessment (SBA) 2021 -2023

CARRIBBEAN EXAMINATIONS COUNCIL (CXC)

INFORMATION TECHNOLOGY GENERAL PROFICIENCY
SBA MARK SCHEME (2021-2023)
Specific The effectiveness with which candidate(s) use(s) or Mark Maximum
Objective manipulate Allocation marks per
sub-section
S5: SO3 Pre-defined systems functions – 1 mark each for correct use (3)
of any THREE functions
 Correct use of any THREE different functions 3

S5: SO4 Arithmetic formulas – 1 mark each for any THREE formulas (3)
 Correct use of any THREE different formulas 3

S5: SO5 Replicate formulas into other cells (2)

 Use of absolute addressing or range names (two different 2
examples)
S5: SO6 Spreadsheet formatting (4)
 Any TWO: Decimal place, currency, comma, 2
percentage features
 Justified, left, right, centre, font or font size 1
 Advanced use such as merging cells, wrap text 1
S5: SO7 Sorting data in the spreadsheet (1)
 Data sorted in ascending/descending order as
required 1
S5: SO7 Extracting data (2)
 Simple filter in place 1
 Evidence of criteria (for example, B3<20) 1
S5:SO7 Pivot Tables (1)
 Use of pivot tables to summarise a large group of
data 1
S5: SO8 Charting operations (3)
1
 Ability to select required range of adjacent/non-
adjacent cell for use in a chart
 Appropriate chart such as bar/column chart, line 1
graph, pie chart
 Appropriate labelling of chart title, chart axes and/or
data labels 1
S5: SO9 Use of two or more sheets (1)
 Linking of cells in different sheets 1
Total (20)

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