Hoja1TAZA NOMINAL Y EFECTIVATasa nominal (j)8.00%Frec. De conversin (m)4Tasa efectiva 8.24%

cual sera el interes efectivo para una taza nominal del 6.5% si el periodo de conversion:6.50%A anual 16.500%B cada semestre26.606%C cada cuatro meses36.642%D trimestral46.660%E bimestral66.679%F mensual126.697%G quincenal 246.707%H semanal526.712%I diario 3656.715%La parte del sueldo que una persona destina a la compra de pan quincenalmente es de 100 pesos. Actualmente la pieza de pan cuesta 5 pesos. Para el proximo ao se espera que el sueldo de la persona aumente de tal manera que estara destinando para la compra de pan 150 pesos quincenales. tambien se espera que el costo de la pieza de pan aumente de 5 a 7 pesos. cual es la ganancia o perdida en el poder adquisitivo de esta persona en ese periodo de tiempo.

20152016GASTO10015050%Taza nominal COSTO DE PAN5740%Inflacin2021.42857142867%Taza real21.428Adquirimos una camioneta para compra de mercancia la cual cuesta $ 250,000 l a cual tiene una vida util de 5 aos y un valor residual $50,000costo $250,000.00vida util5valor residual$50,000.00Periodo DepresiacionDep. acumuladaV en libros0$250,000.001$40,000.00$40,000.00$210,000.002$40,000.00$80,000.00$170,000.003$40,000.00$120,000.00$130,000.004$40,000.00$160,000.00$90,000.005$40,000.00$200,000.00$50,000.00Periodo DepresiacionDep. acumuladaV en libros0$250,000.001$66,666.67$66,666.67$183,333.332$53,333.33$120,000.00$130,000.003$40,000.00$160,000.00$90,000.004$26,666.67$186,666.67$63,333.335$13,333.33$200,000.00$50,000.00Periodo DepresiacionDep. acumuladaV en libros0$250,000.001$100,000.00$100,000.00$150,000.002$60,000.00$160,000.00$90,000.003$36,000.00$196,000.00$54,000.004$4,000.00$200,000.00$50,000.005$0.00$200,000.00$50,000.00Solicitamos un credito por $12,050 pesos el cual vamos a pagar en un plazo de 3 aos y medio con una taza de interes del 16.50% capitalizable mensualmente crear la tabla de pagos o el esquema de pagos niveladosCredito $250,000.00Tasa mensual 1.38%Tasa16.50%Plazo ( Meses) 42$248,500.001.38%PeriodoSaldoInteresPago totalAbono a capital0$250,000.001$250,000.00$3,437.50$7,875.37$4,437.872$245,562.13$3,376.48$7,875.37$4,498.893$241,063.24$3,314.62$7,875.37$4,560.754$236,502.49$3,251.91$7,875.37$4,623.465$231,879.03$3,188.34$7,875.37$4,687.036$227,192.00$3,123.89$7,875.37$4,751.487$222,440.52$3,058.56$7,875.37$4,816.818$217,623.71$2,992.33$7,875.37$4,883.049$212,740.66$2,925.18$7,875.37$4,950.1910$207,790.48$2,857.12$7,875.37$5,018.2511$202,772.23$2,788.12$7,875.37$5,087.2512$197,684.98$2,718.17$7,875.37$5,157.2013$192,527.78$2,647.26$7,875.37$5,228.1114$187,299.66$2,575.37$7,875.37$5,300.0015$181,999.67$2,502.50$7,875.37$5,372.8716$176,626.79$2,428.62$7,875.37$5,446.7517$171,180.04$2,353.73$7,875.37$5,521.6418$165,658.40$2,277.80$7,875.37$5,597.5719$160,060.83$2,200.84$7,875.37$5,674.5320$154,386.30$2,122.81$7,875.37$5,752.5621$148,633.74$2,043.71$7,875.37$5,831.6622$142,802.09$1,963.53$7,875.37$5,911.8423$136,890.24$1,882.24$7,875.37$5,993.1324$130,897.12$1,799.84$7,875.37$6,075.5325$124,821.58$1,716.30$7,875.37$6,159.0726$118,662.51$1,631.61$7,875.37$6,243.7627$112,418.75$1,545.76$7,875.37$6,329.6128$106,089.14$1,458.73$7,875.37$6,416.6429$99,672.50$1,370.50$7,875.37$6,504.8730$93,167.62$1,281.05$7,875.37$6,594.3131$86,573.31$1,190.38$7,875.37$6,684.9932$79,888.32$1,098.46$7,875.37$6,776.9033$73,111.42$1,005.28$7,875.37$6,870.0934$66,241.33$910.82$7,875.37$6,964.5535$59,276.78$815.06$7,875.37$7,060.3136$52,216.47$717.98$7,875.37$7,157.3937$45,059.07$619.56$7,875.37$7,255.8138$37,803.27$519.79$7,875.37$7,355.5739$30,447.69$418.66$7,875.37$7,456.7140$22,990.98$316.13$7,875.37$7,559.2441$15,431.73$212.19$7,875.37$7,663.1842$7,768.55$106.82$7,875.37$7,768.55$0.00$250,000.00Un credito con un millon setecientos ciencuenta para la compra de maquinaria se va a cubrir de manera bimestral durante los proximos 5 aos y 8 mesescon una taza del 14.3%. Crear la tabla de pagos Compramos un electrodomestico en coopel cuyo valor original es de $3,400. dimos un enganche de $300 pesos y el resto lo pagaremos de manera quincenal durante los proximos 7 meses con una tasa del 9.25%. Crear la tabla de pagosSaldo$1,750,000.00Tasa 14.30%Plazo ( Meses)34Tasa Mensual2.38%PeriodoSaldoInteresPago totalAbono a capital0$1,750,000.001$1,750,000.00$41,708.33$75,689.83$33,981.502$1,716,018.50$40,898.44$75,689.83$34,791.393$1,681,227.11$40,069.25$75,689.83$35,620.594$1,645,606.52$39,220.29$75,689.83$36,469.545$1,609,136.98$38,351.10$75,689.83$37,338.736$1,571,798.24$37,461.19$75,689.83$38,228.647$1,533,569.60$36,550.08$75,689.83$39,139.768$1,494,429.85$35,617.24$75,689.83$40,072.599$1,454,357.26$34,662.18$75,689.83$41,027.6510$1,413,329.61$33,684.36$75,689.83$42,005.4811$1,371,324.13$32,683.23$75,689.83$43,006.6112$1,328,317.52$31,658.23$75,689.83$44,031.6013$1,284,285.92$30,608.81$75,689.83$45,081.0214$1,239,204.90$29,534.38$75,689.83$46,155.4515$1,193,049.45$28,434.35$75,689.83$47,255.4916$1,145,793.97$27,308.09$75,689.83$48,381.7417$1,097,412.22$26,154.99$75,689.83$49,534.8418$1,047,877.38$24,974.41$75,689.83$50,715.4219$997,161.96$23,765.69$75,689.83$51,924.1420$945,237.82$22,528.17$75,689.83$53,161.6621$892,076.16$21,261.15$75,689.83$54,428.6822$837,647.47$19,963.93$75,689.83$55,725.9023$781,921.57$18,635.80$75,689.83$57,054.0424$724,867.54$17,276.01$75,689.83$58,413.8225$666,453.71$15,883.81$75,689.83$59,806.0226$606,647.69$14,458.44$75,689.83$61,231.4027$545,416.30$12,999.09$75,689.83$62,690.7428$482,725.55$11,504.96$75,689.83$64,184.8729$418,540.68$9,975.22$75,689.83$65,714.6130$352,826.07$8,409.02$75,689.83$67,280.8131$285,545.26$6,805.50$75,689.83$68,884.3432$216,660.92$5,163.75$75,689.83$70,526.0833$146,134.84$3,482.88$75,689.83$72,206.9534$73,927.88$1,761.95$75,689.83$73,927.88-$0.00$1,750,000.00Credito $3,100.00Tasa quinc0.39%Enganche300Saldo$3,100.00Tasa 9.25%Plazo (Meses)14PeriodoSaldoInteresPago totalAbono a capital0$3,100.001$3,100.00$11.95$227.88$215.932$2,884.07$11.12$227.88$216.773$2,667.30$10.28$227.88$217.604$2,449.70$9.44$227.88$218.445$2,231.25$8.60$227.88$219.286$2,011.97$7.75$227.88$220.137$1,791.84$6.91$227.88$220.988$1,570.87$6.05$227.88$221.839$1,349.04$5.20$227.88$222.6810$1,126.36$4.34$227.88$223.5411$902.81$3.48$227.88$224.4012$678.41$2.61$227.88$225.2713$453.14$1.75$227.88$226.1414$227.01$0.87$227.88$227.01-$0.00$3,100.00TREMATasa de rendimiento minima aceptada *VPNIndicadores de rentabilidad TIR*PRPeriodo de recuperacion*TRITaza de rentabilidad inmediataPeriodo FlujoTazaPer de rec0-$150,000.0010%1$60,000.00-$95,454.552$50,000.00-$54,132.233$40,000.00-$24,079.644$60,000.00$16,901.17VPN=$16,901.17TIR=15.20%Para iniciar un negocio se requiere una inversion de $ 230000 segn el estudio de mercado lo proximos periodos nuestras ventas serian de: 10000, 120000, 150000, 170000 y 200000 tambien sabemos que los gastos para los mismos periodos seran de: 50000, 60000, 50000, 40000 y 40000 si nuestro costo de oportunidad es del 18% es rentable la opcion utiliza los tres indicadores que conocesPeriodo FlujoTazaPer de recGastosFlujo neto0-$230,000.0018%-$230,000.001$100,000.00-$187,627.12$50,000.00$50,000.002$120,000.00-$144,536.05$60,000.00$60,000.003$150,000.00-$83,672.97$50,000.00$100,000.004$170,000.00-$16,620.41$40,000.00$130,000.005$200,000.00$53,317.06$40,000.00$160,000.00VPN=$53,317.06TIR=25.90%

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