JAMB Past Questions

JAMB Commerce 2004
Questions & Answers

40 questions · Correct answers highlighted · 40 with explanations

40 Total Questions
2004 Exam Year
40 With Explanations
Ready to test yourself? Take the full JAMB Commerce 2004 CBT quiz — timed, just like the real exam.
Start Quiz
1
Question 1 of 40
JAMB · Commerce · 2004

A retailer buys goods worth ₦150,000 and receives a trade discount of 10% and a cash discount of 5% for payment within 7 days. Calculate the amount paid with both discounts.

A. ₦128,250
B. ₦135,000
C. ₦142,500
D. ₦120,000
Explanation

Trade discount = 10% of ₦150,000 = ₦15,000. Price after trade discount = ₦150,000 - ₦15,000 = ₦135,000. Cash discount = 5% of ₦135,000 = ₦6,750. Amount paid = ₦135,000 - ₦6,750 = ₦128,250.

2
Question 2 of 40
JAMB · Commerce · 2004

Which of the following is a primary function of advertising?

A. To set product prices
B. To create awareness of a product
C. To reduce production costs
D. To distribute goods to retailers
Explanation

Advertising primarily creates awareness of a product, informing potential customers and promoting sales.

3
Question 3 of 40
JAMB · Commerce · 2004

A business organization formed by two or more individuals to carry out lawful business is called:

A. Cooperative society
B. Sole proprietorship
C. Partnership
D. Public corporation
Explanation

A partnership is formed by two or more individuals who agree to carry out lawful business and share profits and liabilities.

4
Question 4 of 40
JAMB · Commerce · 2004

A company has sales of ₦500,000, cost of goods sold of ₦300,000, and operating expenses of ₦100,000. Calculate the net profit.

A. ₦200,000
B. ₦100,000
C. ₦150,000
D. ₦50,000
Explanation

Gross profit = Sales - Cost of goods sold = ₦500,000 - ₦300,000 = ₦200,000. Net profit = Gross profit - Operating expenses = ₦200,000 - ₦100,000 = ₦100,000.

5
Question 5 of 40
JAMB · Commerce · 2004

Which of the following is a characteristic of a public limited company?

A. Shares cannot be freely traded on the stock exchange
B. Ownership is restricted to family members
C. It is managed by a sole proprietor
D. Shares can be offered to the general public
Explanation

A public limited company can offer shares to the general public, freely traded on the stock exchange.

6
Question 6 of 40
JAMB · Commerce · 2004

The term used to describe the total value of goods and services produced in a country over a period is:

A. Net National Product (NNP)
B. Gross Domestic Product (GDP)
C. National Income (NI)
D. Gross National Product (GNP)
Explanation

Gross Domestic Product (GDP) measures the total value of goods and services produced within a country over a period.

7
Question 7 of 40
JAMB · Commerce · 2004

A retailer sells an item for ₦400, earning a profit of 25% on the cost price. Calculate the cost price.

A. ₦300
B. ₦320
C. ₦350
D. ₦360
Explanation

Let cost price = C. Selling price = C + 0.25C = 1.25C. Given 1.25C = ₦400, C = ₦400 / 1.25 = ₦320.

8
Question 8 of 40
JAMB · Commerce · 2004

Which of the following is NOT a function of the Central Bank?

A. Controlling monetary policy
B. Providing loans to individuals
C. Issuing currency
D. Acting as a banker to commercial banks
Explanation

The Central Bank does not provide loans to individuals; it focuses on monetary policy, issuing currency, and banking for commercial banks.

9
Question 9 of 40
JAMB · Commerce · 2004

The process of transferring goods from the producer to the consumer is referred to as:

A. Marketing
B. Production
C. Distribution
D. Advertising
Explanation

Distribution involves transferring goods from producers to consumers through channels like wholesalers and retailers.

10
Question 10 of 40
JAMB · Commerce · 2004

Which of the following is a disadvantage of a cooperative society?

A. Rapid decision-making process
B. Unlimited liability for members
C. High profit margins
D. Limited access to capital
Explanation

Cooperative societies often face limited access to capital due to reliance on members’ contributions.

11
Question 11 of 40
JAMB · Commerce · 2004

An importer buys goods worth $10,000 at an exchange rate of ₦400/$1. If the Naira depreciates by 5%, calculate the new cost in Naira.

A. ₦4,200,000
B. ₦4,000,000
C. ₦3,800,000
D. ₦4,400,000
Explanation

Original cost = $10,000 × ₦400 = ₦4,000,000. New exchange rate = ₦400 × 1.05 = ₦420. New cost = $10,000 × ₦420 = ₦4,200,000.

12
Question 12 of 40
JAMB · Commerce · 2004

Which of the following documents is issued by a seller to correct an overcharge on an invoice?

A. Receipt
B. Proforma invoice
C. Credit note
D. Debit note
Explanation

A credit note corrects an overcharge on an invoice, reducing the amount owed by the buyer.

13
Question 13 of 40
JAMB · Commerce · 2004

A market where securities are bought and sold is referred to as:

A. Commodity market
B. Capital market
C. Money market
D. Foreign exchange market
Explanation

The capital market facilitates the buying and selling of securities, such as stocks and bonds.

14
Question 14 of 40
JAMB · Commerce · 2004

Which of the following is a feature of a departmental store?

A. Operates in a small geographical area
B. Offers a wide variety of goods under one roof
C. Sells a single line of products
D. Provides wholesale services only
Explanation

A departmental store offers a wide variety of goods under one roof, organized into departments.

15
Question 15 of 40
JAMB · Commerce · 2004

A company has current assets of ₦180,000, including inventory of ₦60,000, and current liabilities of ₦90,000. Calculate the quick ratio.

A. 1.33:1
B. 2.0:1
C. 0.67:1
D. 1.0:1
Explanation

Quick assets = Current assets - Inventory = ₦180,000 - ₦60,000 = ₦120,000. Quick ratio = ₦120,000 / ₦90,000 = 1.33:1.

16
Question 16 of 40
JAMB · Commerce · 2004

The principle of indemnity in insurance implies that:

A. The insurer takes ownership of damaged goods
B. The insured receives a fixed amount regardless of loss
C. The insured is paid a premium refund
D. The insured is compensated only for the actual loss suffered
Explanation

Indemnity ensures the insured is compensated only for the actual loss, restoring their pre-loss financial position.

17
Question 17 of 40
JAMB · Commerce · 2004

Which of the following is a source of short-term finance for a business?

A. Debentures
B. Bank overdraft
C. Mortgage
D. Preference shares
Explanation

A bank overdraft is a short-term financing option, repayable on demand.

18
Question 18 of 40
JAMB · Commerce · 2004

A business that operates without physical interaction with customers is referred to as:

A. E-commerce
B. Chain store
C. Wholesale trade
D. Retail trade
Explanation

E-commerce involves business transactions online without physical customer interaction.

19
Question 19 of 40
JAMB · Commerce · 2004

Which of the following is a feature of a sole proprietorship?

A. Limited liability
B. Public ownership
C. Unlimited liability
D. Separate legal entity
Explanation

A sole proprietorship has unlimited liability, with the owner personally responsible for business debts.

20
Question 20 of 40
JAMB · Commerce · 2004

A company issues 1,000 ordinary shares at a premium of ₦10 per share, with a par value of ₦50. Calculate the total amount raised.

A. ₦60,000
B. ₦50,000
C. ₦40,000
D. ₦70,000
Explanation

Issue price per share = ₦50 + ₦10 = ₦60. Total amount raised = 1,000 × ₦60 = ₦60,000.

21
Question 21 of 40
JAMB · Commerce · 2004

The practice of selling goods below cost price to attract customers is known as:

A. Price discrimination
B. Loss leader
C. Skimming pricing
D. Penetration pricing
Explanation

A loss leader strategy sells goods below cost to attract customers, encouraging other purchases.

22
Question 22 of 40
JAMB · Commerce · 2004

Which of the following is a function of a stock exchange?

A. Regulating commercial banks
B. Issuing new currencies
C. Facilitating the trading of securities
D. Providing loans to businesses
Explanation

A stock exchange facilitates the trading of securities, such as stocks and bonds.

23
Question 23 of 40
JAMB · Commerce · 2004

The document that outlines the terms and conditions of employment in a business is called:

A. Memorandum of Association
B. Contract of employment
C. Articles of Association
D. Partnership deed
Explanation

A contract of employment outlines employment terms, including duties and salary.

24
Question 24 of 40
JAMB · Commerce · 2004

Which of the following is a characteristic of a monopoly?

A. Free entry and exit of firms
B. Many firms producing identical products
C. A single firm controlling the market
D. Perfect knowledge of the market
Explanation

A monopoly features a single firm controlling the market with significant barriers to entry.

25
Question 25 of 40
JAMB · Commerce · 2004

The process of dividing a market into distinct groups of buyers with different needs is called:

A. Market segmentation
B. Branding
C. Market penetration
D. Product differentiation
Explanation

Market segmentation divides a market into groups with different needs for tailored marketing.

26
Question 26 of 40
JAMB · Commerce · 2004

A product costs ₦200 to produce. If a retailer applies a markup of 50% on the cost price, what is the selling price?

A. ₦250
B. ₦300
C. ₦350
D. ₦400
Explanation

Markup = 0.5 × ₦200 = ₦100. Selling price = ₦200 + ₦100 = ₦300.

27
Question 27 of 40
JAMB · Commerce · 2004

Which of the following is a type of marine insurance?

A. Fire insurance
B. Hull insurance
C. Burglary insurance
D. Life insurance
Explanation

Hull insurance covers damage to a ship’s structure and machinery during transit.

28
Question 28 of 40
JAMB · Commerce · 2004

A business organization owned and controlled by the government is called a:

A. Public corporation
B. Cooperative society
C. Partnership
D. Private company
Explanation

A public corporation is government-owned and controlled to provide public services.

29
Question 29 of 40
JAMB · Commerce · 2004

Which of the following is a disadvantage of international trade?

A. Increased foreign exchange earnings
B. Over-dependence on foreign goods
C. Access to a wider market
D. Improved diplomatic relations
Explanation

Over-dependence on foreign goods can undermine local industries and economic self-sufficiency.

30
Question 30 of 40
JAMB · Commerce · 2004

A warehouse has an opening inventory of 2,000 units. During the month, 5,000 units are received, and 4,500 units are issued. What is the closing inventory?

A. 2,500 units
B. 7,000 units
C. 1,500 units
D. 3,500 units
Explanation

Closing inventory = 2,000 + 5,000 - 4,500 = 2,500 units.

31
Question 31 of 40
JAMB · Commerce · 2004

The amount a company pays to its shareholders from profits is called:

A. Interest
B. Bonus
C. Dividend
D. Royalty
Explanation

A dividend is paid to shareholders from a company’s profits.

32
Question 32 of 40
JAMB · Commerce · 2004

Which of the following is a function of a warehouse?

A. Storing goods until they are needed
B. Selling goods to retailers
C. Advertising products to consumers
D. Transporting goods to customers
Explanation

A warehouse stores goods until needed, ensuring availability.

33
Question 33 of 40
JAMB · Commerce · 2004

The term 'franchise' in business refers to:

A. A partnership between two companies
B. A loan provided to small businesses
C. A government-owned enterprise
D. A license to operate a business using an established brand
Explanation

A franchise is a license to operate using an established brand and business model.

34
Question 34 of 40
JAMB · Commerce · 2004

Which of the following is a feature of a joint-stock company?

A. Limited liability for shareholders
B. Ownership by a single individual
C. Unlimited liability for shareholders
D. Management by government officials
Explanation

A joint-stock company features limited liability, protecting shareholders’ personal assets.

35
Question 35 of 40
JAMB · Commerce · 2004

A company invests ₦50,000 at a compound interest rate of 8% per annum. Calculate the total amount after 2 years.

A. ₦58,320
B. ₦54,000
C. ₦60,000
D. ₦56,500
Explanation

A = ₦50,000 × (1.08)^2 = ₦50,000 × 1.1664 = ₦58,320.

36
Question 36 of 40
JAMB · Commerce · 2004

Which of the following is a characteristic of a credit union?

A. It operates for profit maximization
B. It restricts membership to large corporations
C. It is owned by shareholders
D. It provides loans to members at low interest rates
Explanation

A credit union provides low-interest loans to members as a member-owned cooperative.

37
Question 37 of 40
JAMB · Commerce · 2004

A document that authorizes the release of goods from a warehouse is called:

A. Delivery note
B. Bill of exchange
C. Warehouse warrant
D. Consignment note
Explanation

A warehouse warrant authorizes the release of goods from a warehouse.

38
Question 38 of 40
JAMB · Commerce · 2004

Which of the following is a benefit of branding?

A. Increases customer loyalty
B. Decreases product quality
C. Reduces production costs
D. Limits market competition
Explanation

Branding increases customer loyalty by fostering trust and recognition.

39
Question 39 of 40
JAMB · Commerce · 2004

The term 'balance of trade' refers to the difference between a country’s:

A. Foreign reserves and loans
B. Revenue and expenditure
C. Exports and imports of goods
D. Savings and investments
Explanation

Balance of trade is the difference between a country’s exports and imports of goods.

40
Question 40 of 40
JAMB · Commerce · 2004

Which of the following is a function of the Nigerian Export Promotion Council (NEPC)?

A. Promoting the export of Nigerian goods
B. Regulating commercial banks
C. Issuing import licenses
D. Controlling inflation
Explanation

The NEPC promotes the export of Nigerian goods to boost foreign exchange earnings.

Now practice in exam mode

You've studied the answers — now test yourself under real exam conditions with the timer running.

Start JAMB Commerce 2004 Quiz
Back to 2004 Start Page