LEVEL 3 ENTERPRISE, EMPLOYABILITY AND PERSONAL FINANCE EEPF1 Mark scheme 2805 June 2015 V1 Final Mark Scheme
Mark schemes are prepared by the Lead Assessment Writer and considered, together with the relevant questions, by a panel of subject teachers. This mark scheme includes any amendments made at the standardisation events which all associates participate in and is the scheme which was used by them in this examination. The standardisation process ensures that the mark scheme covers the students responses to questions and that every associate understands and applies it in the same correct way. As preparation for standardisation each associate analyses a number of students scripts: alternative answers not already covered by the mark scheme are discussed and legislated for. If, after the standardisation process, associates encounter unusual answers which have not been raised they are required to refer these to the Lead Assessment Writer. It must be stressed that a mark scheme is a working document, in many cases further developed and expanded on the basis of students reactions to a particular paper. Assumptions about future mark schemes on the basis of one year s document should be avoided; whilst the guiding principles of assessment remain constant, details will change, depending on the content of a particular examination paper. Further copies of this Mark Scheme are available from aqa.org.uk Copyright 2014 AQA and its licensors. All rights reserved. AQA retains the copyright on all its publications. However, registered schools/colleges for AQA are permitted to copy material from this booklet for their own internal use, with the following important exception: AQA cannot give permission to schools/colleges to photocopy any material that is acknowledged to a third party even for internal use within the centre.
General points Separate marking points are indicated by (1). A forward slash (/) separates alternatives of the same marking point. AW indicates alternative wording of the point is acceptable. Please read carefully where to ignore, i.e. read through to the next point. NOT means do not award the mark. Where answers are open without numbered lines, please mark parts in the order they appear up to the mark total. Where lines are numbered, mark 1 st point against each number, ignoring others. Exception is when candidates do not offer answers against each number. Apply rule and go back to top to use up mark/attempts as determined by the question. Do not allow more attempts than mark allocation. N.B. The number of attempts considered as answers must not exceed total marks for the question. This is the 1, 2, 3 rule. If answer is crossed out please check to see if answered elsewhere. If not, mark crossed out work as best you can. Please look out for answers which repeat points already awarded. 1 Attribute: Appropriate benefits: 4 marks positive attitude flexibility honesty energy maturity/responsibility punctuality 1 mark for each attribute. Max 2 encouraging other staff in her team/ helping give customers a good impression able to successfully meet new challenges in the work gain respect for integrity AW jobs completed efficiently AW builds up trust with other staff sets a good example to team members 1 mark for appropriate benefit. Max 2 3 of 10
2(a) Reference to: lateral thinking is an indirect (1) creative approach (1) which uses reasoning that is not immediately obvious (1) developing ideas that may not be obtainable by using step-by-step logic AW (1) 2 marks 2(b) Max 2 Reference to: Mind mapping is a graphical way/diagram drawn to represent ideas AW (1) Map is a branching structure/tree like (1) Starting with main idea (trunk) (1) Linking relevant points (branches) to develop ideas (1) Max 2 2 marks (4 marks) 3(a) Likely responses will include: The mobile phone company can reach a very large number of possible applicants AW (1) Application process/ response will be faster than paper based processes (1) Cost effective/cheaper than national newspaper advertising (1) Allow better chance of success/ advert less time limited/ not a one-off as other methods/newspaper maybe AW (1) 3 marks Max 3 3(b) Any four of : Creating person specifications/retaining staff/training staff/ creating terms and conditions of employment/ running appraisal schemes/ disciplinary procedures/ grievance procedures/ welfare management of staff/ organising interviews 4 marks (7 marks) 4(a) Reference to: Understanding how the candidate sees themselves (1) If the candidate s view is consistent with references (1) To see if the candidate has thought about personal strengths and weaknesses/ prepared for the interview (1) Determine suitability for the post AW (1) Determine training/ development needs if appointed (1) 3 marks Max 3 4 of 10
4(b) Reference to: If the candidate can admit to a poor decision AW (1) To see how they responded/ adapted as a result(1) See what the candidate has learnt from a poor decision for the future (1) Testing flexibility/ adaptability of the candidate (1) Max 3 3 marks (6 marks) 5 Likely answers will include references to: Look to see if the CV is clear/neat layout-no spelling errors Shows Saeed has taken time/care with the CV Indicating a serious applicant AW. Education/ qualifications show Saeed intellectual abilities. Work experience information provides some insight into Saeed s commitment to Work and skills. Posts of responsibility information provides insight to how Saeed is viewed by/respected /trusted by others. Hobbies/interests give an insight to Saeed as a person outside of work. Referees contact details provide opportunity to gain a confidential report on Saeed. Allow reference to skills information may demonstrate Saeed s suitability for the job/match information on CV to job specification. 9 marks Band 1 No work worthy of credit 0 marks Band 2 1-3 marks Vague and/or repetitive answers covering 1-2 parts of Saeed CV with minimal, if any, explanation of how the information may help assess the effectiveness of the job application or describing parts of the CV without explanation. Band 3 4-6 marks More detailed responses covering 3-4 parts of Saeed s CV with some reasoning of how the different information may help assess the effectiveness of the job application. Band 4 7-9 marks Detailed responses covering 5-6 parts of Saeed s CV which are all wellreasoned as to how the information may help assess the effectiveness of the job application. 5 of 10
6 Likely answers are: Research the different makes and models available (1) Consider whether she would be better with a monthly contract or pay as you go AW (1) By looking at her usage to date calls-texts (1) Consider use of other features-apps and their value to her (1) Look at deals being offered by different providers (1) Be prepared to negotiate with the provider (1) Consider whether she needs insurance on the phone (1) See if her old phone has any trade in value (1) 5 marks Max 5 7(a) Type of insurance 1 mark each plus need or benefit explanation - 2 6 marks marks Likely answers include: Buildings (1) in case of property damage (1) enable business to keep functioning/faster restart (1) Contents (1) cover damage to computers/ materials/stock (1) replace in the event of fire/theft (1) Critical illness/ illness insurance (1) if Nadia unable to work (1) in case of loss of Earnings (1) Health insurance (1) for faster access to medical services (1) if specialist help needed (1) Public Liability (1) to cover third party claims against the computer games enterprise if Nadia is sued AW (1) Specific item (1) to cover computers/technical items (1) if damaged/stolen (1) 7(b) Any two of : Financial security-peace of mind in retirement AW (1) Will be in addition to her state pension (1) Nadia can vary contributions- take contribution holidays if enterprise struggling AW (1) Pension contributions get tax relief/ cost effective way to save (1) Can take lump sum (tax free) when she retires (1) If Nadia changes her work, pension goes with her (1) 2 marks (8 marks) 6 of 10
8 Likely suggestions are for essential spending: Find a cheaper flat/non-city centre flat To pay a lower rent Will also reduce the Council Tax payments Try to save on food bills, with example(s) of how, eg bogof / bulk offers or similar Try to lower utility bills by using a comparison website/ taking fixed term deals AW Reduce spending on essential/work clothes/ buy when on offers where possible 9 marks Reduce non-essential spending by: eating at restaurants less often AW choosing cheaper restaurants/meals reduce alcohol expenditure drink less often/ drink cheaper drinks look for cheaper internet connectivity AW using a comparison website don t spend on designer label clothes AW shop for clothes deals/offers on non-work wear look for cheaper alternative transport / allow example(s) to reduce car fuel and insurance costs Band 1 No work worthy of credit 0 marks Band 2 1-3 marks Identifies some spending as essential or non- essential. Makes up to four valid suggestions, but with little explanation of either how each can be achieved or will help. For three marks must have an explanation for both an essential and nonessential saving, albeit in minimal detail. Band 3 4-6 marks More detailed responses identifying a majority of the spending as essential or non-essential. Makes 4 to 6 valid suggestions with some explanation of either how each can be achieved or will help. For 6 marks must have a balance of essential and non-essential reasoned suggestions. Band 4 7-9 marks Very detailed responses identifying all or nearly all of the spending as essential or non-essential. Makes 7 or more valid suggestions with good explanations of how each can be achieved or will help. For 9 marks the answer must cover at least 8 valid suggestions with very good explanations. 7 of 10
9 Likely answers will include: Taking responsibility for others in the workplace. Cooperating with the employer on health and safety matters. Not misusing any equipment that is provided for safety purposes Allow example- firefighting equipment. Following instructions from the employer on health and safety matters. Taking part in relevant health and safety training. Reporting hazards and defects observed in the workplace. 3 marks Max 3 10 The best house would be number 4 1 mark 6 marks Allow I mark for each valid comparison point up to a maximum of 5. No mark for simple restatements of the data. Valid comparison points for house 4 are: Second nearest to the university AW Joint best bus service with house 3/ better bus service than 1 and 2 Joint best for bedroom sizes with house 2/ better than 1 and 3 for bedrooms Second lowest rent AW Lowest rent with broadband included Lowest crime area Equal best for supermarkets, pubs, restaurants and fast food outlets with house 1 Max 5 If houses 1,2 or 3 chosen does not gain first mark but can allow up to 3 marks for valid comparison points e.g. if house 3 chosen nearest to university/better bus service than house 2/lower crime area than house1. 8 of 10
11 Redundancy means Ross will lose his regular income AW (1) need to reduce/control his budget as a result AW (1) may have problems paying his bills or example (1) may need to use up his savings to live (1) may need to discuss his situation with lenders (1) may need to apply for benefits AW (1) 4 marks Allow: Ross is likely to have a redundancy lump sum (1) which will help in the short term AW (1) although he will need to plan for his long term future (1). Max 4 12 Reference to Fara: continuing to try to negotiate with the builder AW(1) to get the faults corrected by the builder/ claim back some money (1) may engage a solicitor (1) to write a letter to the builder (1) can take the builder to the small claims court (1) if repairs less than 10,000(1) 5 marks Allow reference to Fara contacting an advisory agency MAS, CAB for advice (1) or Trading Standards about the work (1) Max 5 9 of 10
13(ai) P45 1 mark 13(aii) Reference to: Dev s tax code/ PAYE (Pay As You Earn) reference number (1) National Insurance number (1) Leaving date (1) Earnings in the tax year (1) How much Income Tax was deducted from Dev s earnings (1) Allow student loan repayments (1). 4 marks 13(b) Max 4 Reference to 944 being an amount of 9440-9449 (1) being or including the basic personal allowance (1) which is the tax free pay that Dev can earn in the current tax year AW(1) 1105 means 11050-11059(1) Allow reference to tax free point if not already made. Dev will pay less tax next year (1) can earn 1610-1619 more before paying tax (1) Max 5 5 marks (10 marks) 10 of 10