MATEMATICAS FINANCIERA

"TRABAJO INDIVIDUAL"

EVERLITH ARAUJO GUETHE

Código:39462241
102007_3

TUTOR
SUSAN YAMILE BOHORQUEZ

UNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA UNAD

VALLEDUPAR
JULIO 2015
ANCIERA

DUAL"

GUETHE
241

HORQUEZ

A Y A DISTANCIA UNAD
R
5
Cuota Fija Con Periodo Muerto

Capital= 120,000,000.00
i= 0.95%
Periodos= 20
PER. MUERTO 4
TOTAL PERIODO 24
PERIODO SALDO INICIAL CUOTA INTERESES
1 120,000,000.00 - 1,140,000.00
2 120,000,000.00 - 1,140,000.00
3 120,000,000.00 - 1,140,000.00
4 120,000,000.00 - 1,140,000.00
5 120,000,000.00 6,616,409.19 1,140,000.00
6 114,523,590.81 6,616,409.19 1,087,974.11
7 108,995,155.73 6,616,409.19 1,035,453.98
8 103,414,200.52 6,616,409.19 982,434.90
9 97,780,226.23 6,616,409.19 928,912.15
10 92,092,729.19 6,616,409.19 874,880.93
11 86,351,200.92 6,616,409.19 820,336.41
12 80,555,128.14 6,616,409.19 765,273.72
13 74,703,992.67 6,616,409.19 709,687.93
14 68,797,271.40 6,616,409.19 653,574.08
15 62,834,436.29 6,616,409.19 596,927.14
16 56,814,954.24 6,616,409.19 539,742.07
17 50,738,287.12 6,616,409.19 482,013.73
18 44,603,891.65 6,616,409.19 423,736.97
19 38,411,219.43 6,616,409.19 364,906.58
20 32,159,716.82 6,616,409.19 305,517.31
21 25,848,824.94 6,616,409.19 245,563.84
22 19,477,979.59 6,616,409.19 185,040.81
23 13,046,611.20 6,616,409.19 123,942.81
24 6,554,144.82 6,616,409.19 62,264.38
0 - - -
0 - - -
0 - - -
0 - - -
0 - - -
0 - - -
AMORTIZACION SALDO FINAL
- 120,000,000.00
- 120,000,000.00
- 120,000,000.00
- 120,000,000.00
5,476,409.19 114,523,590.81
5,528,435.08 108,995,155.73
5,580,955.21 103,414,200.52
5,633,974.29 97,780,226.23
5,687,497.04 92,092,729.19
5,741,528.26 86,351,200.92
5,796,072.78 80,555,128.14
5,851,135.47 74,703,992.67
5,906,721.26 68,797,271.40
5,962,835.11 62,834,436.29
6,019,482.05 56,814,954.24
6,076,667.13 50,738,287.12
6,134,395.46 44,603,891.65
6,192,672.22 38,411,219.43
6,251,502.61 32,159,716.82
6,310,891.88 25,848,824.94
6,370,845.35 19,477,979.59
6,431,368.39 13,046,611.20
6,492,466.39 6,554,144.82
6,554,144.82 - 0.00
-
- -
- -
- -
- -
- -
Cuota Fija Con Periodo de Gracia

Capital= 120,000,000
i= 0.95%
Periodos= 20
PER. GRACIA 4
TOTAL PERIODO 24
P+B12+B11+B11:G36 SALDO INICIAL CUOTA
1 120,000,000 1,140,000
2 120,000,000 1,140,000
3 120,000,000 1,140,000
4 120,000,000 1,140,000
5 120,000,000 $6,616,409.19
6 114,523,591 $6,616,409.19
7 108,995,156 $6,616,409.19
8 103,414,201 $6,616,409.19
9 97,780,226 $6,616,409.19
10 92,092,729 $6,616,409.19
11 86,351,201 $6,616,409.19
12 80,555,128 $6,616,409.19
13 74,703,993 $6,616,409.19
14 68,797,271 $6,616,409.19
15 62,834,436 $6,616,409.19
16 56,814,954 $6,616,409.19
17 50,738,287 $6,616,409.19
18 44,603,892 $6,616,409.19
19 38,411,219 $6,616,409.19
20 32,159,717 $6,616,409.19
21 25,848,825 $6,616,409.19
22 19,477,980 $6,616,409.19
23 13,046,611 $6,616,409.19
24 6,554,145 $6,616,409.19
Total
INTERESES AMORTIZACION SALDO FINAL
1,140,000 - 120,000,000
1,140,000 - 120,000,000
1,140,000 - 120,000,000
1,140,000 - 120,000,000
1,140,000 5,476,409 114,523,591
1,087,974 5,528,435 108,995,156
1,035,454 5,580,955 103,414,201
982,435 5,633,974 97,780,226
928,912 5,687,497 92,092,729
874,881 5,741,528 86,351,201
820,336 5,796,073 80,555,128
765,274 5,851,135 74,703,993
709,688 5,906,721 68,797,271
653,574 5,962,835 62,834,436
596,927 6,019,482 56,814,954
539,742 6,076,667 50,738,287
482,014 6,134,395 44,603,892
423,737 6,192,672 38,411,219
364,907 6,251,503 32,159,717
305,517 6,310,892 25,848,825
245,564 6,370,845 19,477,980
185,041 6,431,368 13,046,611
123,943 6,492,466 6,554,145
62,264 6,554,145 - 0
16,888,184 120,000,000
Capital= 120,000,000.00
i= 0.85%
Periodos= 20
PER. MUERTO 4
TOTAL PERIODO 24
PERIODO SALDO INICIAL CUOTA INTERESES
1 120,000,000 - 1,020,000
2 120,000,000 1,020,000
3 120,000,000 1,020,000
4 120,000,000 1,020,000
5 120,000,000 6,549,846 1,020,000
6 114,470,154 6,549,846 972,996
7 108,893,304 6,549,846 925,593
8 103,269,051 6,549,846 877,787
9 97,596,992 6,549,846 829,574
10 91,876,720 6,549,846 780,952
11 86,107,826 6,549,846 731,917
12 80,289,897 6,549,846 682,464
13 74,422,515 6,549,846 632,591
14 68,505,260 6,549,846 582,295
15 62,537,709 6,549,846 531,571
16 56,519,433 6,549,846 480,415
17 50,450,002 6,549,846 428,825
18 44,328,981 6,549,846 376,796
19 38,155,931 6,549,846 324,325
20 31,930,411 6,549,846 271,408
21 25,651,973 6,549,846 218,042
22 19,320,169 6,549,846 164,221
23 12,934,544 6,549,846 109,944
24 6,494,642 6,549,846 55,204
Total 15,076,922
AMORTIZACION SALDO FINAL
- 120,000,000
- 120,000,000 $6,549,846.09
- 120,000,000
- 120,000,000
5,529,846 114,470,154
5,576,850 108,893,304
5,624,253 103,269,051
5,672,059 97,596,992
5,720,272 91,876,720
5,768,894 86,107,826
5,817,930 80,289,897
5,867,382 74,422,515
5,917,255 68,505,260
5,967,551 62,537,709
6,018,276 56,519,433
6,069,431 50,450,002
6,121,021 44,328,981
6,173,050 38,155,931
6,225,521 31,930,411
6,278,438 25,651,973
6,331,804 19,320,169
6,385,625 12,934,544
6,439,902 6,494,642
6,494,642 0
120,000,000
 CUENTA 2014
Ingresos Por Ventas 954,295,944.00
Costos por Ventas 261,991,706.40
Utilidad Bruta ###
Gastos Operacionales 216,894,506.40
Utilidad Operacional ###
Gastos Financieros
Utilidad Antes de Impuestos ###
Impuestos 25% 118,852,432.80
Utilidad Neta ###
Est. Resul con Period Est. Resul con
Gracia Period Muerto
1,145,155,132.80 1,145,155,132.80
301,290,462.36 301,290,462.36
843,864,670.44 843,864,670.44
216,894,506.40 216,894,506.40
626,970,164.04 626,970,164.04
16,888,183.84 15,076,921.87
610,081,980.20 611,893,242.17
152,520,495.05 152,973,310.54
457,561,485.15 458,919,931.63
 TASA DE INTERES
MONTO SOLICITADO
EFECTIVA MENSUAL

Cuota Fija con

Periodo de Gracia
120,000,000.00 0.95%
Cuota Fija con
Periodo Muerto 120,000,000.00 0.85%
PERIODOS DE PERIODO DE PERIODO TOTAL CUOTA
AMORTIZACION GRACIA MUERTO PERIODO MENSUAL

20 4 - 24 $6,616,409.19

20 - 4 24 6,549,846.09
MONTO TOTAL DE
LOS INTERESES UTILIDAD
CANCELADOS

16,888,183.84 457,561,485.15

15,076,921.87 458,919,931.63
 CUADRO 1 DATOS BASICOS DE LA EMPRESA DIC 2013
Volumen de ventas anuales en unidades
Precio unitario
Costo Unitario
Costo fijo
Valor residual
Inversion
Tasa de descuento

FLUJO DE CAJA DE LA EMPRESA PA

RUBROS 0 1

INGRESOS 444,800,000.00

VENTAS 442,800,000.00
VALOR RESIDUAL

EGRESOS 200,000,000.00 394,610,000.00

COSTO FIJO 140,000,000.00
COSTO VARIABLE 254,610,000.00
INVERSION 200,000,000.00
FLUJO NETO (200,000,000.00) 50,190,000.00

INDICADORES DE EVALUACION
VAN ($ 132,575,221.24)
TIR 8%
SA DIC 2013 Esperado
1,230
360000
207000
140,000,000
2,000,000
200,000,000
13%

A DE LA EMPRESA PARA LOS SIGUIENTES CINCO AÑOS

AÑOS
2 3 4 5

444,800,000.00 444,800,000.00 444,800,000.00 444,800,000.00

442,800,000.00 442,800,000.00 442,800,000.00 442,800,000.00

2,000,000

394,610,000.00 394,610,000.00 394,610,000.00 394,610,000.00

140,000,000.00 140,000,000.00 140,000,000.00 140,000,000.00
254,610,000.00 254,610,000.00 254,610,000.00 254,610,000.00

50,190,000.00 50,190,000.00 50,190,000.00 50,190,000.00

 CUADRO 1 DATOS BASICOS DE LA EMPRESA DIC 2013
Volumen de ventas anuales en unidades
Precio unitario
Costo Unitario
Costo fijo
Valor residual
Inversion
Tasa de descuento

FLUJO DE CAJA DE LA EMPRESA PA

RUBROS 0 1

INGRESOS 956,450,000.00

VENTAS 954,450,000.00
VALOR RESIDUAL

EGRESOS 200,000,000.00 708,125,000.00

COSTO FIJO 140,000,000.00
COSTO VARIABLE 568,125,000.00
INVERSION 200,000,000.00
FLUJO NETO (200,000,000.00) 248,325,000.00

INDICADORES DE EVALUACION
VAN $ 42,765,486.73
TIR 122%
SA DIC 2013 Esperado
2,525
378000
225000
140,000,000
2,000,000
200,000,000
13%

A DE LA EMPRESA PARA LOS SIGUIENTES CINCO AÑOS

AÑOS
2 3 4 5

956,450,000.00 956,450,000.00 956,450,000.00 956,450,000.00

954,450,000.00 954,450,000.00 954,450,000.00 954,450,000.00

2,000,000

708,125,000.00 708,125,000.00 708,125,000.00 708,125,000.00

140,000,000.00 140,000,000.00 140,000,000.00 140,000,000.00
568,125,000.00 568,125,000.00 568,125,000.00 568,125,000.00

248,325,000.00 248,325,000.00 248,325,000.00 248,325,000.00

 CUADRO 1 DATOS BASICOS DE LA EMPRESA DIC 2013
Volumen de ventas anuales en unidades
Precio unitario
Costo Unitario
Costo fijo
Valor residual
Inversion
Tasa de descuento

FLUJO DE CAJA DE LA EMPRESA PA

RUBROS 0 1

INGRESOS 1,228,500,000.00

VENTAS 1,228,500,000.00
VALOR RESIDUAL

EGRESOS 200,000,000.00 871,250,000.00

COSTO FIJO 140,000,000.00
COSTO VARIABLE 731,250,000.00
INVERSION 200,000,000.00
FLUJO NETO (200,000,000.00) 357,250,000.00

INDICADORES DE EVALUACION
VAN $ 139,159,292.04
TIR 178%
SA DIC 2013 Esperado
3,250
378000
225000
140,000,000
2,000,000
200,000,000
13%

A DE LA EMPRESA PARA LOS SIGUIENTES CINCO AÑOS

AÑOS
2 3 4 5

1,228,500,000.00 1,228,500,000.00 1,228,500,000.00 1,230,500,000.00

1,228,500,000.00 1,228,500,000.00 1,228,500,000.00 1,228,500,000.00

2,000,000

871,250,000.00 871,250,000.00 871,250,000.00 871,250,000.00

140,000,000.00 140,000,000.00 140,000,000.00 140,000,000.00
731,250,000.00 731,250,000.00 731,250,000.00 731,250,000.00

357,250,000.00 357,250,000.00 357,250,000.00 359,250,000.00

 CONCLUSION
En el mundo de las finanzas es de vital importancia conocer los conceptos necesarios para el desarrollo de la activi
Se logro entender la importancia de la matemática financiera en el mundo actual.
 BIBLIOGRAFÍA
Módulo del curso académico Matemáticas Financieras. Universidad Nacional Abierta y a Distancia
Guía para la elaboración del trabajo colaborativo