Don Bosco High School & Preparatory

Grade 11 Civics short notes

Saving
The term Saving Can be defined as the wise use of resources. Time, money
and other resources can be saved we have to save our resources because our
needs and wants and the available resources do not match
What are the purposes of Saving?
 There are different purposes of saving some of them are:-
 For times of sickness, disability or retirement
 Educating Children
 Emergency Cases
 Future Consumption
 Investment
 Social Obligations etc…

The need for new thinking in saving

- one way to help develop the habit of saving is to transform the way you think
about spending. This may be related to the way you consume things. Example in
Ethiopia there is a tending to buy expensive imported products than the locally
produced items it is important to change this kind of mentality
- Another challenge is how to avoid wastage during production in the process of
production of goods and services, we have to use the inputs properly to reduce our
costs. Wastage of inputs is a major cause of increased cost of production.
- Buying more locally produced goods is more profitable for local industry and
therefore good for development.
Ways of Improving the Habit of Saving
- Saving is an activity that very much depends on income. Income is money that you
receive From the income that you get you may use part of if and keep any extra for
savings you save money for future use the first step to start Saving is to decide what
you have to spend you should not waste money on item that you do not need After
spend on what you need the rest can be saved you should balance your needs and
wants with Savings.
- One factor that works against saving is doing things without planning when you
are planning, you need to think about your Future.
- In developing the Habit of saving there are two issues that you need to
consider:-
A. The avoidance of Extravagance and living within your means
B. To develop the skills of ability to live within your needs.
Traditional and Modern Institutions of Saving In Ethiopia
These Institutions are divided into two :- Traditional and Modern Institutions.
 The Traditional Institutions are those established by the Community in
order to save The main Traditional Saving institutions are “Equb” and
“Idir” Both of them are used in Ethiopia.
 Modern Financial Instructions are those help to manage their money and
property The main modern institutions are banks and insurance
Companies and Credit association.
Saving as an instrument of Investment and Development
- Banks play a significant role in the accumulation of Capital. This is because they
are instruments through which funds are made available by collecting from
those people who save. If you save enough money you may be able to invest in
business opportunities Investment is essential in the process of development.
- There are other sources of funding that can be used for development these are
international financial institutions.
- The well – Known big international institutions are world Bank Groups and
IMF/International Monetary Fund). IMF is established to provide funding for
global development.
 Unit Ten
Active Community Participation
Civil Means related to Citizens or to the public Civic participations are civil actions
outside of politics, religion, Military etc.. Civil actions do not have any interest other than
Cooperating and working to promote the common good and welfare of the people.
- Civil Societies are formed by the free will of their members. Participating in
Civil Society is performed Voluntarily in order to enhance Social development
and Outhunt the democratic process.
- Active Community participation concerns both the rights and responsibilities
of Citizens.
- Civic participation includes taking part in the governance of Social and
Political groups such as Schools, Labor union, religions and other groups Civic
participation requires commitment, dedication, Commitment, team Spirit ,
deadness to work with others for the common good civic participation should
be performed with in the frame work of constitution and the laws of the land.
- Commitment and dedication mean having the Strength to maintain the effort
to achieve certain goods.
Monitoring and Influencing Actions of Government bodies (Organs)
- Community participation is one of the keys to the empowerment of a
Community Community participation requires the active involvement of
Citizens in the Social economic and Political Spheres at all levels and in all
forms.
- One of the active community participation is political participation by which
citizens make their voices heard. Active Community political Participation
Serves as a bridge b/n the people and the government.
- Such Community political participation involves:-
 Voting in elections.
 Encouraging people /Citizens/ to become involved in running for office.
 Financing Campaigns,
 Drafting and implementing election laws,
 Taking part in political Campaigning
 Demons fractions and Petitions.
Don Bosco Secondary and Preparatory School
Grade 11 – 3rd Quarter Civic Work Sheet
I. Write “True” if the Statement is Correct and “False” if it is incorrect.
________________1. The ability of a person to perform work duties is called Labour discipline
________________2. Dependent people are Socially accepted.
________________3. Assertive Person Speaks loudly
________________4. Aggressive Person reaches goals bul hurts others in the process
________________5. We have to buy locally produced goods.
II. Match items under Colum “B” with those under Column “A”
A B
_______________ 1. Behaving Confidently without fear A, Insurance
_______________ 2. Isolates Self From groups B, Assertive Person
_______________ 3. Disagrees and does not listen to the C, Aggressive Person
Points of others
_______________ 4. Directive that needs to be followed D, Passive Person
For the proper Functioning of a System
_______________ 5. The institution that Covers risk against E, Ethical Standard
Accidents
III. Fill in the blank Spaces
1. ________________________ and ______________________ are traditional Financial institutions
2. A plan showing the general direction of a country is called __________________________
3. __________________________ is able to change one’s mind or decision according to
situation.
4. _____________________________ is money kept in the bank
5. _____________________________ and _______________________ are international financial banks.
 IV. Choose the Correct answer for the following question.
___________ 1. Which one of the following is a reflection of dependency ?

A. Self – direction B. Indecision

A. Determination D. Commitment

___________ 2. All are the Characteristics of passive Persons

A. Aggress with others, despite feelings B. Mixing well with others

C . Considering Self - interior D. Have no self Confidence
___________ 3. Which one of the following is a Characteristic of an aggressive person?

A. Is afraid to Speak B. Slouches and withdraws

C . Considering Self - interior D. Shows expressions that match the message
___________ 4. Which of the following does not go with assertiveness ?
A. Accepting ideas of others when they are convincing
B. Maintaing good eye contact while speaking
C . Facing indecision D. Seeing others equal
___________ 5. A general and widespread agreement ?
A. Flexibility B. Consensus C. Rightful perception D. Assertiveness
___________ 6. Family planning means;
A. Family’s unwise use of resources.
B. Spending Excessive money for family Consumption.
C. Limiting the number of Children so that we can take care of them better
D. A list of expenditure and income for its members.
___________ 7. In order to have job Satisfaction.
A. Other factors are important than money
B. Financial rewarded is enough
C. Financial reward is not important
D. Financial reward is one of the factors but there are other factors.
___________ 8. The institution that Covers risks against accidents are called;
A. Banks B. Insurance Companies C. Ekub D. Credit & Saving institutions.
___________ 9. What do we mean by when we say that Mr. Girma lives with in the limits of his
income
A. He uses all of his income for buying the food he eats.
B. He is extravagant
C. He plans Consumption and Saving with his income
D. He applies a sudden Strong wish or need to buy goods.

___________ 10. One of the following is not required from the point of increasing saving in
Ethiopia
A. Reducing Extravagance B. Promoting of Excessive generosity
C . Strengthening Family Planning D. Promoting of planned life Style.
V. Short answer questions
1. Why is it important to be assertive ?
_____________________________________________________________________________________
_____________________________________________________________________________________
2. What is the relationship b/n self – Confidence and Self – reliance ?
_____________________________________________________________________________________
_____________________________________________________________________________________
3. Why is globalization More important for developed countries than developing Countries ?
_____________________________________________________________________________________
_____________________________________________________________________________________
4. What does world Bank Group and IMF provide to many Countries in the world?
_____________________________________________________________________________________
_____________________________________________________________________________________
5. Name at least three traditional and religious Practices that hurt our Saving Capacity.
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