Free Nios Business Studies (319) Solved Tutor Mark Assignment (TMA) 2024-25

 Free Nios Business Studies (319) Solved Tutor Mark Assignment (TMA) 2024-25

Nios Class 10 Tutor Marked Assignment 2024-25 March/April 2025 & Ocotber/November 2025 Exam

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1. Answer any one of the following questions in about 40 to 60 words.

Q. (b) Describe any two principles of a valid insurance contract.

Ans. Two key principles of a valid insurance contract are:

1. Utmost Good Faith: Both parties must act in good faith, meaning they are required to disclose all relevant information honestly. The insurer needs to provide clear terms, and the insured must reveal any material facts that could affect the policy's risk assessment.
2. Insurable Interest: The insured must have a legitimate interest in the subject of the insurance. This means that the insured will suffer a financial loss if the insured event occurs. This principle ensures that insurance contracts are not used for wagering or speculative purposes.

2. Answer any one of the following questions in about 40 to 60 words.

Q. (a) Management helps in efficient and effective use of available resources of an organisation. State any two Objective of management.

 

Ans. Two Objective of Management are:

(i) Optimum Utilisation of Resources: Management should try to secure maximum outlay with minimum efforts and resources by utilising the human and material resources available in an organisation for deriving the best results.

(ii) Fair Return on Capital: Management has to provide a fair return to the owners on the capital invested by them. Management must maintain the investment and should also attract further investments for growth and expansion.

3. Answer any one of the following questions in about 40 to 60 words.

Q. (b) According to the traditional concept, marketing consists of those activities which are concerned with the transfer of ownership of goods from producers to consumers. Explain any two concepts of these implications.

 

Ans. The emphasis of marketing is on sale of goods and services and little attention is paid to consumer satisfaction. This concept has the following implications:

(a) The main focus of this concept is on product, i.e., we have a product and it has to be sold. So, we have to persuade the consumers to buy our product.

(b) All efforts of the marketing team are concentrated on selling the product. The marketer adopts all means like personal selling and sales promotion to boost the sales.

(c)The ultimate goal of all marketing activities is to earn profit through maximisation of sales.

 

4. Answer any one of the following questions in about 100 to 150 words.

Q. (a) “Consumer protection has a vast agenda. Mention the importance of consumer protection from the consumers' point of view.

Ans.  The importance of consumer protection from the consumers' point of view, are:

(i)               Consumer Ignorance: In the light of widespread ignorance of consumers, it is necessary to educate consumers about the rights and reliefs available to them so as to prevent consumer exploitation.

(ii)             Unorganised Consumers: Consumers need to be organised in the form of consumer organisations which would look after their interests. Though, in India, consumer organisations have been set up , adequate protection is required to be given to consumers till these organisations become powerful enough to protect and promote the interests of consumers.

(iii)          Widespread Exploitation of Consumers: Consumers need protection against unscrupulous, exploitative and unfair trade practices like defective and unsafe products, adulteration, false and misleading advertising, hoarding, black-marketing etc.

5. Answer any one of the following questions in about 100 to 150 words.

Q. (a) You want to apply in XYZ Company and you need to provide Bio Data to the company. Mention any four points mandatory in your bio-data to apply for job.

 

Ans. When applying for a job at XYZ Company, it's essential to include specific mandatory points in your bio-data to present yourself effectively.

1. Full Name: Start with your name in block letters to ensure clarity and formality.
2. Educational Qualifications: Present your academic background in a tabular format, detailing the names of institutions, boards, percentages, and years of passing. This gives employers a quick overview of your educational achievements.
3. Work Experience: Highlight your previous job roles, including a brief description of your responsibilities and key achievements. This section showcases your practical experience and suitability for the role.
4. Contact Details: Provide your residential address, phone number, and email address. Clear contact information is crucial for potential employers to reach you easily.

By including these points, you create a structured and informative bio-data that facilitates the employer’s review process and enhances your chances of securing an interview.

 

6.  Prepare any one project out of the following.

(a) Short-term loans help business concerns to meet their temporary requirements of money. We need short-term financing, for raising short-term financing for a business. Explain number of methods for raising short-term finance.

 

Ans.                                                   

   Project Work

 

 

Introduction:

Short-term financing is crucial for businesses to meet immediate cash flow requirements and manage operational expenses. Various methods are available to secure short-term funds, each with its unique features and advantages:

1. Trade Credit

Trade credit is the credit extended by suppliers, allowing businesses to purchase goods and pay later, typically within 30 to 90 days. This can be classified into:

• Free Trade Credit: No interest charged during the agreed period.
• Paid Trade Credit: Interest charged after the grace period.

Merits:

• Convenient and readily available.
• No collateral required.

Demerits:

• Limited funds can be raised.
• High-interest costs may apply after the grace period.

2. Bank Credit

Commercial banks provide short-term loans through various forms such as:

• Loans and Advances: Fixed amounts repayable after a specific period.
• Cash Credit: Borrowers can withdraw money up to a set limit.
• Overdraft: Allows withdrawal beyond the account balance.
• Discounting of Bills: Banks discount bills of exchange to provide immediate cash.

Merits:

• Flexible access to funds.
• Interest charged only on the amount drawn.

Demerits:

• Often requires collateral.
• Interest rates can be high.

3. Factoring

Factoring involves selling accounts receivable to a factor at a discount. This service accelerates cash flow and reduces the burden of debt collection.

Merits:

• Immediate cash flow.
• Outsourced credit control.

Demerits:

• Can be expensive, especially with numerous small invoices.

4. Advances from Customers

Customers may provide advance payments against future deliveries, offering interest-free funding without collateral.

Merits:

• No repayment obligation.
• Keeps funds free from encumbrance.

Demerits:

• Limited to the order size.
• Potential penalties for non-delivery.

5. Instalment Credit

This method allows businesses to pay for assets in instalments, providing immediate possession while spreading the cost over time.

Merits:

• Facilitates asset acquisition without large upfront costs.
• Helps in business expansion.

Demerits:

• Obligation to pay regardless of business performance.
• Additional interest costs may apply.

Conclusion:

These methods provide businesses with essential liquidity to manage operational costs and capitalize on growth opportunities.

 

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