Idaho Social Studies 9-12.EC.13
The Standard
Identify the roles of financial markets and institutions on the economy.
Idaho Content Standards: K-12 Social Studies · Macroeconomics and International Trade
Teacher's field guide
What This Standard Means
What Students Need to Do
- Students explain how banks take deposits and make loans. They show how companies raise money by selling shares and how companies and governments borrow through bonds. They trace how borrowing costs affect spending and jobs.
What Mastery Looks Like
- Given a company buying new equipment, a student can compare a bank loan, a bond, and a stock sale. They can name who provides the money and whether the company must repay it. They can explain how a central bank's interest-rate change might affect borrowing.
Common Misconceptions
- Students may think buying stock is the same as lending money, or that bonds give buyers ownership. Some think banks lend only their own money. Others assume higher interest rates make loans cheaper.
How to Assess It
- Exit ticket: A bike company needs $100,000 for new machines. Name two ways it could raise the money, say whether each requires repayment, and explain how higher interest rates might affect its choice.
Lesson moves
Ways to Teach It
Give groups paper money and saver, bank, and bakery cards; have them move money into a bakery loan and label each role.
Ask: A bike company needs $50,000 for machines. How would a bank loan differ from selling shares, and who takes each risk?
Deal deposit, loan, stock sale, and rate-change cards; students match each to an effect on saving, spending, or business investment.
Show a local bank's posted savings and loan rates; students calculate one year's interest on $1,000 at each rate and explain the gap.
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