JAMB CBT PRACTICE TEST

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BIOLOGY LESSON NOTE ON HUMAN KIDNEY

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Lesson Note on the Human Kidney Topic: The Human Kidney Duration: 40 minutes Specific Objectives: By the end of the lesson, students should be able to: Define the kidney and state its location in the human body. Identify and describe the structure and functions of the kidney. Explain the processes involved in urine formation (filtration, reabsorption, and secretion). Describe how the kidney contributes to homeostasis. Identify common kidney-related diseases and how to prevent them. Evaluate the importance of maintaining kidney health. Lesson Content: 1. Introduction to the Human Kidney The kidneys are vital organs in the human body responsible for filtering waste from the blood and regulating water and electrolyte balance. They are part of the excretory system and play a crucial role in homeostasis. Location: The kidneys are located in the abdominal cavity, on either side of the spine, just below the rib cage. Each kidney is bean-shaped and about the size of a fi...

JAMB Commerce Past Questions and Answers (CBT Practice)

Introduction

Commerce is the study of the activities involved in the distribution and exchange of goods and services. It covers trade, banking, insurance, transportation, communication, warehousing, advertising, and business organizations. Success in JAMB Commerce requires a solid understanding of commercial concepts and regular CBT practice. This set contains 100 JAMB-standard objective questions with properly shuffled options A–D and correct answers.


OBJECTIVE QUESTIONS

Instruction: Choose the correct option A–D.


1–25: Introduction to Commerce

  1. Commerce is concerned with the
    A. production of goods only B. distribution and exchange of goods and services C. consumption only D. farming only
    Answer: B

  2. Trade involves
    A. production of goods B. buying and selling of goods and services C. mining activities D. manufacturing only
    Answer: B

  3. Commerce can be divided into
    A. production and mining B. trade and aids to trade C. farming and fishing D. imports and exports only
    Answer: B

  4. An example of aid to trade is
    A. manufacturing B. banking C. farming D. mining
    Answer: B

  5. Home trade takes place within
    A. one country B. two countries C. continents D. regions only
    Answer: A

  6. Foreign trade occurs between
    A. individuals only B. different countries C. villages only D. states only
    Answer: B

  7. Import trade refers to
    A. selling goods abroad B. buying goods from abroad C. local trade D. retail trade
    Answer: B

  8. Export trade means
    A. buying goods from abroad B. selling goods to other countries C. local distribution D. storage of goods
    Answer: B

  9. Entrepot trade involves
    A. production B. importing and re-exporting goods C. retailing D. banking
    Answer: B

  10. Retail trade involves selling goods to
    A. manufacturers B. final consumers C. wholesalers D. exporters
    Answer: B

  11. A wholesaler sells mainly to
    A. consumers B. retailers C. farmers D. workers
    Answer: B

  12. One function of a wholesaler is
    A. production B. bulk breaking C. mining D. legislation
    Answer: B

  13. Retailers buy goods mainly from
    A. consumers B. wholesalers C. government D. banks
    Answer: B

  14. Hawking is a form of
    A. retailing B. wholesaling C. banking D. insurance
    Answer: A

  15. A supermarket is an example of
    A. wholesaling B. retailing C. manufacturing D. mining
    Answer: B

  16. The process of moving goods from producer to consumer is called
    A. distribution B. production C. consumption D. legislation
    Answer: A

  17. The main aim of commerce is to
    A. satisfy human wants B. create scarcity C. reduce trade D. stop production
    Answer: A

  18. Goods purchased for resale are called
    A. capital goods B. stock C. liabilities D. assets only
    Answer: B

  19. The chain of distribution links
    A. producers and consumers B. courts and citizens C. schools and students D. governments and voters
    Answer: A

  20. Commerce facilitates
    A. exchange B. isolation C. unemployment D. scarcity
    Answer: A

  21. Visible trade deals in
    A. services B. tangible goods C. tourism only D. insurance only
    Answer: B

  22. Invisible trade deals in
    A. physical goods B. services C. crops only D. machinery only
    Answer: B

  23. The person who buys goods for personal use is the
    A. producer B. consumer C. wholesaler D. distributor
    Answer: B

  24. Trade barriers restrict
    A. imports and exports B. farming C. education D. communication
    Answer: A

  25. Commerce contributes to
    A. economic development B. economic decline only C. unemployment only D. inflation only
    Answer: A


26–50: Business Organizations

  1. Sole proprietorship is owned by
    A. one person B. two people C. shareholders only D. government
    Answer: A

  2. The major advantage of sole proprietorship is
    A. secrecy B. unlimited capital C. perpetual existence D. limited liability
    Answer: A

  3. A major disadvantage of sole proprietorship is
    A. unlimited liability B. secrecy C. quick decision-making D. simple formation
    Answer: A

  4. Partnership consists of
    A. one owner B. two or more persons in business C. shareholders only D. government officials
    Answer: B

  5. The document governing a partnership is called
    A. prospectus B. partnership deed C. constitution D. invoice
    Answer: B

  6. A partner who contributes capital but does not participate actively is a
    A. active partner B. sleeping partner C. nominal partner D. minor partner
    Answer: B

  7. A joint-stock company is owned by
    A. one person B. shareholders C. government only D. directors only
    Answer: B

  8. The owners of a company are known as
    A. creditors B. shareholders C. debtors D. directors
    Answer: B

  9. A public limited company is identified by
    A. Ltd B. Plc C. Inc D. Corp
    Answer: B

  10. A private limited company is identified by
    A. Plc B. Ltd C. Co-op D. NGO
    Answer: B

  11. The capital of a company is divided into
    A. profits B. shares C. wages D. loans
    Answer: B

  12. Cooperative societies are formed mainly to
    A. maximize profit B. promote members' welfare C. collect taxes D. regulate trade
    Answer: B

  13. The supreme authority in a company is the
    A. managing director B. shareholders at general meeting C. accountant D. auditor
    Answer: B

  14. A multinational company operates in
    A. one village B. several countries C. one state only D. one city only
    Answer: B

  15. Public corporations are owned by
    A. private individuals B. government C. shareholders D. retailers
    Answer: B

  16. Memorandum of Association states the
    A. objectives of the company B. salaries of workers C. profits made D. taxes paid
    Answer: A

  17. Articles of Association contain the company's
    A. objectives only B. internal rules C. tax records D. sales records
    Answer: B

  18. Debentures are issued to obtain
    A. ownership capital B. loan capital C. wages D. taxes
    Answer: B

  19. Dividend is paid to
    A. creditors B. shareholders C. debtors D. suppliers
    Answer: B

  20. The day-to-day management of a company is handled by
    A. shareholders B. directors C. creditors D. auditors
    Answer: B

  21. Limited liability means shareholders lose only
    A. all personal property B. amount invested C. salary D. wages
    Answer: B

  22. Unlimited liability means owners are responsible for
    A. company debts without limit B. profits only C. taxes only D. sales only
    Answer: A

  23. Liquidation means
    A. expansion of business B. winding up of business C. advertising goods D. opening branches
    Answer: B

  24. Franchise allows a business to use another firm's
    A. debts B. brand name and system C. taxes D. workers only
    Answer: B

  25. Business organizations exist primarily to
    A. satisfy needs and earn profit B. create inflation C. reduce trade D. increase scarcity
    Answer: A


51–100: Banking, Insurance, Transportation and Communication

  1. Banking is an aid to trade that provides
    A. transportation B. financial services C. warehousing D. advertising
    Answer: B

  2. The apex bank in Nigeria is the
    A. commercial bank B. Central Bank C. merchant bank D. mortgage bank
    Answer: B

  3. One function of the Central Bank is
    A. issuing currency B. retailing goods C. manufacturing products D. insurance services
    Answer: A

  4. Commercial banks accept
    A. public deposits B. taxes only C. exports only D. imports only
    Answer: A

  5. Money deposited for safe keeping is called
    A. loan B. deposit C. premium D. dividend
    Answer: B

  6. A cheque is an instruction to
    A. pay money B. insure goods C. advertise products D. transport goods
    Answer: A

  7. Overdraft allows customers to
    A. withdraw more than their balance B. save money only C. insure property D. buy shares only
    Answer: A

  8. Insurance is a contract against
    A. profit B. risk and loss C. transportation D. taxation
    Answer: B

  9. The payment made by an insured person is called
    A. dividend B. premium C. salary D. commission
    Answer: B

  10. The insurer is the
    A. person insured B. insurance company C. bank manager D. transporter
    Answer: B

  11. Life insurance covers
    A. buildings B. human life C. vehicles only D. goods only
    Answer: B

  12. Marine insurance covers
    A. houses B. ships and cargoes C. factories D. lives only
    Answer: B

  13. Fire insurance protects against losses caused by
    A. theft B. fire C. flood only D. transport only
    Answer: B

  14. Indemnity means
    A. making profit B. restoring insured to previous position C. collecting taxes D. buying shares
    Answer: B

  15. Transportation assists commerce by
    A. moving goods and people B. making laws C. printing money D. collecting taxes
    Answer: A

  16. Road transport is suitable for
    A. door-to-door services B. overseas trade only C. heavy machinery only D. pipelines only
    Answer: A

  17. Rail transport is best for carrying
    A. bulky goods B. letters only C. liquids only D. passengers only
    Answer: A

  18. Air transport is the
    A. slowest means B. fastest means C. cheapest means D. oldest means
    Answer: B

  19. Water transport is suitable for
    A. bulky international cargo B. local hawking C. door-to-door service D. courier service only
    Answer: A

  20. Pipeline transport is used mainly for
    A. passengers B. petroleum products C. livestock D. machinery
    Answer: B

  21. Communication involves the
    A. exchange of information B. production of goods C. collection of taxes D. manufacturing of products
    Answer: A

  22. Email is a form of
    A. electronic communication B. road transport C. banking service D. insurance policy
    Answer: A

  23. Telephone communication is useful because it is
    A. slow B. fast C. expensive only D. unreliable
    Answer: B

  24. Advertising aims to
    A. reduce demand B. create awareness of products C. stop production D. increase taxes
    Answer: B

  25. One medium of advertising is
    A. television B. warehouse C. bank D. factory
    Answer: A

  26. Warehousing involves the
    A. storage of goods B. production of goods C. transportation of goods D. taxation of goods
    Answer: A

  27. A bonded warehouse stores
    A. imported goods before duty payment B. local goods only C. exports only D. personal items only
    Answer: A

  28. Warehouse receipts can be used as
    A. evidence of ownership B. insurance policy C. cheque D. currency
    Answer: A

  29. The stock exchange deals mainly in
    A. agricultural goods B. shares and securities C. household goods D. insurance policies
    Answer: B

  30. Shares represent
    A. ownership in a company B. company debts C. taxes D. salaries
    Answer: A

  31. Ordinary shareholders are owners of a
    A. partnership B. company C. cooperative society D. sole proprietorship
    Answer: B

  32. Preference shareholders receive
    A. fixed dividend before ordinary shareholders B. no dividend C. wages D. salaries
    Answer: A

  33. The stock market facilitates
    A. buying and selling of securities B. retail trade C. transportation D. communication
    Answer: A

  34. Consumer protection aims to
    A. exploit consumers B. safeguard consumers' interests C. reduce competition D. stop trade
    Answer: B

  35. A trademark identifies a company's
    A. products and brand B. taxes C. debts D. liabilities only
    Answer: A

  36. Copyright protects
    A. inventions B. literary and artistic works C. land ownership D. transport routes
    Answer: B

  37. Patent protects
    A. inventions B. novels only C. songs only D. shares only
    Answer: A

  38. E-commerce refers to
    A. buying and selling online B. road transport C. insurance services D. warehousing
    Answer: A

  39. Online banking enables customers to
    A. access banking services electronically B. manufacture goods C. insure products D. transport cargo
    Answer: A

  40. ATM means
    A. Automated Teller Machine B. Automatic Trade Market C. Applied Transfer Method D. Automated Tax Machine
    Answer: A

  41. Debit card allows access to
    A. customer's bank account funds B. insurance funds C. government funds D. company profits
    Answer: A

  42. Credit sales mean payment is made
    A. immediately B. later C. before purchase D. twice
    Answer: B

  43. Hire purchase allows payment
    A. in installments B. immediately in cash C. by barter D. through insurance
    Answer: A

  44. Barter trade involves exchange of
    A. money B. goods for goods C. shares D. services only
    Answer: B

  45. Commercial activities contribute to
    A. employment generation B. unemployment only C. economic decline D. scarcity only
    Answer: A

  46. One advantage of advertising is
    A. increased awareness B. reduced sales C. lower production D. less competition
    Answer: A

  47. The movement of goods from producer to consumer creates
    A. place utility B. possession utility C. form utility D. time utility
    Answer: A

  48. Commerce helps bridge the gap between
    A. producers and consumers B. teachers and students C. judges and lawyers D. voters and politicians
    Answer: A

  49. International trade promotes
    A. exchange between nations B. isolation C. unemployment D. scarcity
    Answer: A

  50. The ultimate goal of commerce is to
    A. satisfy human wants efficiently B. eliminate production C. stop trade D. increase inflation
    Answer: A


EXAM SUCCESS TIPS

  • Master the differences between trade and aids to trade.
  • Study business organizations and their features.
  • Learn banking and insurance terminology.
  • Understand transportation and communication systems.
  • Revise warehousing and stock exchange topics.
  • Know documents used in trade and commerce.
  • Practice past JAMB CBT questions regularly.
  • Learn advantages and disadvantages of each business form.
  • Focus on international trade concepts.
  • Attempt timed CBT practice tests before the examination.

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