JAMB Commerce Curriculum

Your course of study, class by class and term by term. Work through the units in order and tick each one off.

  • 72 study units
  • 9 terms
  • SS1 to SS3

The curriculum comes with the Complete plan

Complete gives you:

  • All 11 JAMB subjects currently available on GRO Academy
  • 26,964 practice questions, each with an explanation
  • Performance tracking: your results saved, with your weakest topics first
  • Full CBT mock exams, scored out of 400 like the UTME
  • Revision notes for every topic
  • Curriculum checklists for every subject
  • Past papers

Complete: ₦24,000 for 3 months, ₦10,000 a month or ₦108,000 a year.

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SS1 Foundation

Trade, occupations, business organisation and support services

First Term 8 units
  1. 1

    Unit 01

    Meaning and Scope of Commerce

    Commerce, trade and aids to trade; movement of goods from producers to consumers.

  2. 2

    Unit 02

    Occupation and Choice of Occupation

    Industrial, commercial and service occupations; personal and market factors in choice.

  3. 3

    Unit 03

    Production, Specialisation and Division of Labour

    Factors of production; specialisation and division of labour; benefits and limitations.

  4. 4

    Unit 04

    Trade and Channels of Distribution

    Home and foreign trade; wholesalers, retailers and channels of distribution.

  5. 5

    Unit 05

    Retail Trade

    Retailer functions, formats, location, service and consumer convenience.

  6. 6

    Unit 06

    Wholesale Trade

    Bulk purchase, warehousing, credit and marketing functions of wholesalers.

  7. 7

    Unit 07

    Forms of Business Organisation

    Sole proprietorship, partnership, company and cooperative ownership.

  8. 8

    Unit 08

    Aids to Trade

    Banking, transport, insurance, advertising, communication and warehousing.

Second Term 8 units
  1. 1

    Unit 01

    Business ownership comparisons

    Ownership, continuity, management, sources of capital and risk.

  2. 2

    Unit 02

    Documents used in trade

    Enquiry, quotation, order, delivery note, invoice, receipt and credit note.

  3. 3

    Unit 03

    Terms of trade and payment

    Cash and credit transactions; discounts, settlement and trade terms.

  4. 4

    Unit 04

    Banking and finance

    Commercial and central banking roles; payments, deposits, loans and finance.

  5. 5

    Unit 05

    Insurance principles

    Risk, premium, policy and insurance principles including insurable interest.

  6. 6

    Unit 06

    Transport and warehousing

    Transport modes, cost and suitability; warehousing, stock and distribution.

  7. 7

    Unit 07

    Communication and advertising

    Communication methods, promotion, advertising purposes and responsible claims.

  8. 8

    Unit 08

    Examination practice

    Mixed practice across ownership, trade documents, banking and services.

Third Term 8 units
  1. 1

    Unit 01

    Home and foreign trade

    Domestic/foreign exchange; similarities, differences and trade participants.

  2. 2

    Unit 02

    Balance of trade and payments

    Visible and invisible trade; trade balance and balance of payments.

  3. 3

    Unit 03

    Imports and exports

    Imports, exports, trade benefits, currency and exchange issues.

  4. 4

    Unit 04

    International trade documents

    Documents used for foreign-trade orders, shipment, insurance and payment.

  5. 5

    Unit 05

    Trade restrictions

    Tariffs, quotas, bans, protectionism and reasons for restrictions.

  6. 6

    Unit 06

    Customs and ports

    Customs procedures, port functions, clearance and movement of goods.

  7. 7

    Unit 07

    E-commerce

    Online storefronts, payment, delivery, privacy, trust and digital risks.

  8. 8

    Unit 08

    Case analysis and revision

    Integrated commercial cases and examination revision.

SS2 Development

Business finance, management, marketing, law and regulation

First Term 8 units
  1. 1

    Unit 01

    Business financing

    A business needs finance to acquire assets, buy inventory and pay operating costs before customer receipts arrive.

  2. 2

    Unit 02

    Types and sources of capital

    Capital may be owner’s equity, retained earnings or borrowed funds.

  3. 3

    Unit 03

    Stock exchange

    A stock exchange is an organised market in which eligible securities can be traded under regulatory rules.

  4. 4

    Unit 04

    Money and banking

    Money acts as a medium of exchange, store of value, unit of account and standard of deferred payment.

  5. 5

    Unit 05

    Trade associations

    Trade associations represent members in a particular industry by sharing information, developing standards, training and lobbying.

  6. 6

    Unit 06

    Chambers of Commerce

    Chambers of Commerce promote commercial cooperation and often offer trade information, networking, business advocacy and dispute-resolution support.

  7. 7

    Unit 07

    Commercial calculations

    Commercial calculations often include trade discount, cash discount, markup, margin, simple interest and turnover.

  8. 8

    Unit 08

    Revision

    Revision should connect financing, banking, securities and business associations rather than treating each as an isolated definition.

Second Term 8 units
  1. 1

    Unit 01

    Business management functions

    Management includes planning, organising, staffing, directing and controlling resources towards business objectives.

  2. 2

    Unit 02

    Organisation structures

    An organisational structure specifies reporting relationships and how tasks are divided.

  3. 3

    Unit 03

    Marketing concepts

    Marketing identifies customer needs and creates value through products, price, communication and distribution.

  4. 4

    Unit 04

    Marketing mix

    The traditional marketing mix comprises product, price, place and promotion.

  5. 5

    Unit 05

    Customer service

    Customer service includes information before purchase, fair treatment during purchase and support afterwards.

  6. 6

    Unit 06

    Market segmentation

    Segmentation divides a broad market into groups with similar needs; targeting selects groups to serve; positioning communicates why the offering is distinctive.

  7. 7

    Unit 07

    Business legal principles

    Business law addresses contracts, property, liability, employment and consumer obligations.

  8. 8

    Unit 08

    Examination drills

    To prepare for examinations, practise identifying the relevant commercial concept within a realistic case.

Third Term 8 units
  1. 1

    Unit 01

    Contracts and agency

    A contract creates obligations enforceable under applicable law when its legal requirements are satisfied.

  2. 2

    Unit 02

    Sale of goods

    Sale of goods concerns the transfer of goods from seller to buyer under agreed terms.

  3. 3

    Unit 03

    Consumer protection

    Consumer protection aims to prevent misleading information, unsafe goods and unfair treatment.

  4. 4

    Unit 04

    Business regulation

    Government influences business through licensing, taxation, safety standards, competition rules, consumer law and environmental regulation.

  5. 5

    Unit 05

    Digital commerce

    Digital commerce includes buying and selling through websites, marketplaces, apps and electronic payment channels.

  6. 6

    Unit 06

    Business ethics and social responsibility

    Business ethics concerns honesty, fairness, responsibility and respect for people affected by commercial decisions.

  7. 7

    Unit 07

    Environmental impacts of business

    Production and distribution use energy, water, land and materials and may create emissions or waste.

  8. 8

    Unit 08

    Group projects

    A useful Commerce project gathers evidence, compares options and explains commercial decisions.

SS3 Mastery

Applied commercial decisions and timed examination practice

First Term 8 units
  1. 1

    Unit 01

    Commerce foundations revision

    Revision begins with the distinction between production, distribution, exchange and aids to trade.

  2. 2

    Unit 02

    Production and trade

    Production creates utility, while commerce assists in transferring goods and services to users.

  3. 3

    Unit 03

    Documents and trade terms

    A transaction may use an inquiry, quotation, order, invoice, delivery note and receipt.

  4. 4

    Unit 04

    Aids to trade

    Transport, banking, insurance, warehousing, communication and advertising solve different obstacles to trade.

  5. 5

    Unit 05

    Business structures

    Business ownership affects control, funding, liability and continuity.

  6. 6

    Unit 06

    Finance and commerce calculations

    Financial decisions require comparing net cost and risk. Use discount, markup, margin, turnover and interest formulae accurately.

  7. 7

    Unit 07

    UTME mixed questions

    UTME-style items may test small differences in commercial terms, while SSCE theory requires explanatory links and examples.

  8. 8

    Unit 08

    Review

    A business case is understood when you can explain what decision improves customer value, cash flow or regulatory compliance and what trade-off follows.

Second Term 8 units
  1. 1

    Unit 01

    Money and stock market

    Revision of money, banking, business finance and the stock exchange, with trade calculations of mark-up and margin.

  2. 2

    Unit 02

    Marketing and management

    Revision of management functions, organisation, marketing concepts, the marketing mix and segmentation.

  3. 3

    Unit 03

    Contracts and regulation

    Revision of contracts, agency, sale of goods, consumer protection and government regulation of business.

  4. 4

    Unit 04

    ICT in business

    Computers, networks and software in business, electronic payments, data protection and cyber security.

  5. 5

    Unit 05

    Foreign trade

    Revision of foreign trade: reasons, procedures, documents, balance of payments, restrictions and customs.

  6. 6

    Unit 06

    Applied case studies

    Applied case studies combining ownership, finance, documents, aids to trade and international trade.

  7. 7

    Unit 07

    Essay/CBT questions

    Essay planning for SSCE theory and timed computer-based (CBT) objective questions.

  8. 8

    Unit 08

    Exam simulations

    Full examination simulations under timed conditions, followed by review.

Third Term 8 units
  1. 1

    Unit 01

    General Commerce review

    A general review of the Commerce syllabus as one linked system, from production to the aids to trade.

  2. 2

    Unit 02

    SSCE objective and essays

    SSCE objective and essay practice: definitions, explained points, examples and conclusions.

  3. 3

    Unit 03

    JAMB topic drills

    Timed JAMB (UTME) drills topic by topic.

  4. 4

    Unit 04

    Short case responses

    Short case responses that identify the issue, compare options and justify a recommendation.

  5. 5

    Unit 05

    Calculation speed practice

    Speed practice in discounts, mark-up and margin, turnover, interest and balance of trade.

  6. 6

    Unit 06

    Mocks and corrections

    Mock examinations and correction of errors by topic.

  7. 7

    Unit 07

    Remediation

    Targeted remediation of weak topics identified from results.

  8. 8

    Unit 08

    Final assessment

    Final assessment of examination readiness across the whole syllabus.