Simulador Bancos Comunales Oroza

Simulador
SIMULAR DE FUNCIONAMIENTO ECONOMICO DE UN BANCO COMUNAL
A NIVEL DE UN OFICIAL DE CREDITO

INSTRUCCIONES GENERALES
SEALE AQU
SUPUESTOS
SEALE AQU
COSTOS
SEALE AQU
FLUJO
SEALE AQU
Jorge Oroza M.
Setiembre 1999.
PEDIR CLAVE A JORGE OROZA

jorge.oroza@hotmail.com
E OROZA
SUPUESTOS
Plan de implementacin
Tasa de crecimiento
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
1 A 7 CICLO
8 Y 9 CICLO
Escalera
Crdito Inicial
Segundo
Tercero
Cuarto
Quinto
Sexto
Sptimo
Octavo
Noveno
N de socias por banco
Nmero socias total
Ahorro voluntario por socia
Inters C.E
Porcentaje Mora
Capital de trabajo por banco
20%
8.84%
US
100
120
144
173
207
249
299
325
325
30
2
2.5%
1%
$9,750
MES
3
4
5
6
7
8
9
10
11
12
N BCs
1
2
1
2
1
2
1
2
2
0
Capital
ACUM
Invertido
1
3
4
6
7
9
10
12
14
14
9750
19,500
9,750
19,500
9750
19,500
9,750
19,500
19500
0
21
22
23
24
25
26
27
28
29
30
31
32
33
35
36
37
38
39
40
Costos Operativos Mes

Sueldo Promotora
Sueldo Contador
Sueldo Coordinador
Gastos transporte
Gastos materiales
Gastos administrativos
Costos financieros
Tasa de costos financieros mensual
% de Liquidez a C:C
Tasa de Cuenta C.
400
500
0.90%
80%
4.5%
400
17
20
100
100
100
COSTOS --->MES
1
2
3
4
5
6
7
Parametros
Costos Operativos
Sueldo Promotora
Sueldo Contador
Sueldo Coordinador
Gastos transporte
Gastos materiales
Gastos administrativos
Costos Financieros
TOTAL DE COSTOS OPERATIVOS
Costos financieros
8 Tasa de costos financieros mensual
9 Capital invertido
10 COSTO FINANCIERO
COSTO TOTAL
400
500
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
850
850
850
850
0
0
0
0
9,750
88
29,250
263
850
850
938
1,113
0.90%
10
11
12
13
14
15
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
850
850
850
850
850
850
850
850
850
850
850
39,000
351
58,500
527
68,250
614
87,750
790
1,201
1,377
1,464
1,640
97,500 117,000 136,500 136,500 136,500 136,500 136,500

878
1,053
1,229
1,229
1,229
1,229
1,229
1,728
1,903
2,079
2,079
2,079
2,079
2,079
16
17
18
19
20
21
22
23
24
25
26
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
850
850
850
850
850
850
850
850
850
850
850
136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
27
28
29
30
31
32
33
34
35
36
37
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
400
67
83
100
100
100
850
850
850
850
850
850
850
850
850
850
850
136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500 136,500
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
1,229
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
2,079
38
400
67
83
100
100
100
850
136,500
1,229
2,079
Evolucin de la liquidez
14,000
12,000
10,000
8,000
US
Series1
Series2
6,000
4,000
2,000
0
1
9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38
Meses
FLUJO DE CAJA
5000
4500
INGRESOS
4000
3500
3000
US
MES
2500
INGRESOS
EGRESOS
2000
1500
COSTOS
1000
500
0
1
9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38
MESES
FLUJO DE CAJA
INGRESOS
1 Intereses de cuenta externa
2 Otros ingresos
Total Ingresos
1
0
0
0
2
0
0
0
3
0
108
108
4
75
294
369
5
225
313
538
6
300
410
710
7
450
470
920
850
0
0
850
850
0
0
850
850
88
0
938
850
263
8
1122
850
351
25
1226
850
527
33
1410
850
614
50
1514
850
850
850
1,700
830
2,530
752
3,282
688
3,970
699
4,669
593
5,262
1
0
850
850
2
0
850
850
3
108
938
830
4
369
1122
752
5
538
1226
688
6
710
1410
699
7
920
1514
593
EGRESOS
1 Costos operativos
2 Costos de Capital
3 Mora
Total Egresos
SALDO
RESUMEN
MES
INGRESOS
EGRESOS
SALDO
8
540
732
1,272
9
720
685
1,405
10
810
840
1,650
11
990
951
1,941
12
1,173
1,058
2,231
13
1,239
855
2,094
14
1,272
923
2,195
15
1,338
997
2,335
16
1,408
1,126
2,534
17
1,487
882
2,369
18
1,526
964
2,490
850
790
59
1699
850
878
79
1807
850
1,053
89
1992
850
1,229
109
2187
850
1,229
129
2208
850
1,229
136
2215
850
1,229
140
2218
850
1,229
147
2226
850
1,229
155
2233
850
1,229
164
2242
850
1,229
168
2246
427
5,689
401
6,091
342
6,432
247
6,679
24
6,655
121
6,776
23
6,799
109
6,690
300
6,390
127
6,263
244
6,019
8
1,272
1699
427
9
1,405
1807
401
10
1,650
1992
342
11
1,941
2187
247
12
2,231
2208
24
13
2,094
2215
121
14
2,195
2218
23
15
2,335
2226
109
16
2,534
2233
300
17
2,369
2242
127
18
2,490
2246
244
19
1,606
1,052
2,658
20
1,689
1,207
2,896
21
1,784
914
2,698
22
1,832
1,013
2,844
23
1,927
1,119
3,045
24
2,027
1,304
3,331
25
2,141
953
3,094
26
2,198
1,071
3,269
27
2,312
1,198
3,510
28
2,432
1,421
3,854
29
2,569
999
3,568
850
1,229
177
2255
850
1,229
186
2264
850
1,229
196
2275
850
1,229
201
2280
850
1,229
212
2290
850
1,229
223
2301
850
1,229
236
2314
850
1,229
242
2320
850
1,229
254
2333
850
1,229
268
2346
850
1,229
283
2361
403
5,617
632
4,985
423
4,561
564
3,997
755
3,242
1,030
2,212
780
1,432
949
484
1,178
694
1,507
2,201
1,207
3,409
19
2,658
2255
403
20
2,896
2264
632
21
2,698
2275
423
22
2,844
2280
564
23
3,045
2290
755
24
3,331
2301
1,030
25
3,094
2314
780
26
3,269
2320
949
27
3,510
2333
1,178
28
3,854
2346
1,507
29
3,568
2361
1,207
30
2,638
1,141
3,779
31
2,774
1,258
4,032
32
2,894
1,463
4,357
33
3,008
951
3,959
34
3,065
1,089
4,154
35
3,179
1,182
4,361
36
3,274
1,295
4,568
37
3,313
690
4,003
38
3,333
779
4,113
850
1,229
290
2369
850
1,229
305
2384
850
1,229
318
2397
850
1,229
331
2409
850
1,229
337
2416
850
1,229
350
2428
850
1,229
360
2439
850
1,229
364
2443
850
1,229
367
2445
1,410
4,819
1,649
6,467
1,960
8,428
1,549
9,977
1,738
11,715
1,933
13,648
2,130
15,778
1,561
17,338
1,668
19,006
30
3,779
2369
1,410
31
4,032
2384
1,649
32
4,357
2397
1,960
33
3,959
2409
1,549
34
4,154
2416
1,738
35
4,361
2428
1,933
36
4,568
2439
2,130
37
4,003
2443
1,561
38
4,113
2445
1,668
CROGRAMAS DE PAGO Y OTROS

CICLOS
N Socias
Tasa de crecimiento
Principal
Pago 1
Pago 2
Pago 3
Pago 4
CICLO 1
CICLO 2
CICLO 3
CICLO 4
CICLO 5
CICLO 6
CICLO 7
CICLO 8
CICLO 9
1
30
20.00%
100
25
25
25
25
Principal
100.0
25.0
25.0
25.0
25.0
120.0
30.0
30.0
30.0
30.0
144.0
36.0
36.0
36.0
36.0
172.8
43.2
43.2
43.2
43.2
207.4
51.8
51.8
51.8
51.8
248.8
62.2
62.2
62.2
62.2
298.6
74.6
74.6
74.6
74.6
325.0
81.3
81.3
81.3
81.3
325.0
120
30
30
30
30
Ahorro
5.0
5.0
5.0
5.0
Ahorro
6.0
6.0
6.0
6.0
Ahorro
7.2
7.2
7.2
7.2
Ahorro
8.6
8.6
8.6
8.6
Ahorro
10.4
10.4
10.4
10.4
Ahorro
12.4
12.4
12.4
12.4
Ahorro
14.9
14.9
14.9
14.9
Ahorro
16.3
16.3
16.3
16.3
Ahorro
144
36
36
36
36
173
43
43
43
43
207
52
52
52
52
Interes MFInteres BC
2.5
0.5
2.5
0.5
2.5
0.5
2.5
0.5
3.0
0.6
3.0
0.6
3.0
0.6
3.0
0.6
3.6
0.7
3.6
0.7
3.6
0.7
3.6
0.7
4.3
0.9
4.3
0.9
4.3
0.9
4.3
0.9
5.2
1.0
5.2
1.0
5.2
1.0
5.2
1.0
6.2
1.2
6.2
1.2
6.2
1.2
6.2
1.2
7.5
1.5
7.5
1.5
7.5
1.5
7.5
1.5
8.1
1.6
8.1
1.6
8.1
1.6
8.1
1.6
Total
33.0
33.0
33.0
33.0
Total
39.6
39.6
39.6
39.6
Total
47.5
47.5
47.5
47.5
Total
57.0
57.0
57.0
57.0
Total
68.4
68.4
68.4
68.4
Total
82.1
82.1
82.1
82.1
Total
98.5
98.5
98.5
98.5
Total
107.3
107.3
107.3
107.3
Total
249
299
325
62
75
81
62
75
81
62
75
81
62
75
81
Ahorro Acum
Inters
150.0
150.0
150.0
150.0
180.0
180.0
180.0
180.0
216.0
216.0
216.0
216.0
1296.0
1296.0
1296.0
1296.0
311.0
311.0
311.0
311.0
373.2
373.2
373.2
373.2
447.9
447.9
447.9
447.9
487.5
487.5
487.5
487.5
150.0
300.0
450.0
600.0
600.0
780.0
960.0
1140.0
1320.0
1320.0
1536.0
1752.0
1968.0
2184.0
2184.0
3480.0
4776.0
6072.0
7368.0
7368.0
7679.0
7990.1
8301.1
8612.2
8612.2
8985.4
9358.7
9731.9
10105.2
10105.2
10553.0
11000.9
11448.8
11896.7
11896.7
12384.2
12871.7
13359.2
13846.7
13846.7
15.0
15.0
15.0
15.0
18.0
18.0
18.0
18.0
21.6
21.6
21.6
21.6
25.9
25.9
25.9
25.9
31.1
31.1
31.1
31.1
37.3
37.3
37.3
37.3
44.8
44.8
44.8
44.8
48.8
48.8
48.8
48.8
CICLO 10
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
325.0 Ahorro Interes MFInteres BC Total
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
81.3
16.3
8.1
1.6
107.3
487.5
487.5
487.5
487.5
487.5
487.5
487.5
487.5
14334.2
14821.7
15309.2
15796.7
15796.7
16284.2
16771.7
17259.2
17746.7
48.8
48.8
48.8
48.8
48.8
48.8
48.8
48.8
325
81
81
81
81
Acum
15.0
30.0
45.0
60.0
60.0
78.0
96.0
114.0
132.0
132.0
153.6
175.2
196.8
218.4
218.4
244.3
270.2
296.2
322.1
322.1
353.2
384.3
415.4
446.5
446.5
483.8
521.1
558.5
595.8
595.8
640.6
685.4
730.2
775.0
775.0
823.7
872.5
921.2
970.0
970.0
10
325
81
81
81
81
1018.7
1067.5
1116.2
1165.0
1165.0
1213.7
1262.5
1311.2
1360.0
BANCO COMUNAL
COLOCACIONES
Tasa de crecimiento
Escalera
Crdito Inicial
Segundo
Tercero
Cuarto
Quinto
Sexto
Sptimo
Octavo
Noveno
N de bancos
N de socias por banco
Nmero socias total
Ahorro voluntario por socia
Inters C.E
Porcentaje Mora
Capital de trabajo por banco
BANCOS FASE 1
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
1
1 A 7 CICLO
8 Y 9 CICLO
20%
US
100
120
144
173
207
249
299
325
325
1
30
30
2
2.5%
1%
$9,750
8.84%
Mes
1
2
3
4
Plan de implementacin
MES
N
ACUM
3
1
1
4
2
3
5
1
4
6
2
6
7
1
7
8
2
9
9
1
10
10
2
12
11
2
14
FASE
1
2
1
2
CICLO1
3
9,750
3,000
4
6,750
5
7,583
6
8,417
750
750
750
75
75
75
0
6,750
8
7,583
8
8,417
8
9,250
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Ingreso neto
Ingreso neto
BANCOS FASE 2
2 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 3
1 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
acumulado
67
67
19,500
6,000
67
134
13,500
67
200
15,134
1,500
1,500
150
150
acumulado
0
13,500
0
0
17
15,134
134
134
17
16,767
134
267
9,750
3,000
6,750
750
75
0
6,750
acumulado
8
7,583
67
67
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
BANCOS FASE 4
2 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 5
1 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 6
2 BANCOS
19,500
6,000
acumulado
acumulado
0
13,500
0
0
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
Saldo
Desembolso
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 7
1 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 8
2 BANCOS
Saldo Inicial
Desembolso C:E
acumulado
acumulado
Pago Principal
Pago Intereses
Mora
Saldo
Saldo
Desembolso
Pago Principal
Pago Intereses
Mora
Saldo
RESUMEN
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
BANCOS FASE 9
2 BANCOS
Saldo Inicial
Desembolso C:E
Desembolso C:C
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Primer pago
Segundo Pago
Tercer Pago
Cuarto pago
Al % fijado:
Saldo Final
Ingreso neto
Ingreso neto
Mes
1 Inversion de capital
2 Inversin acumulada
acumulado
acumulado
3
9,750
9,750
4
19,500
29,250
5
9,750
39,000
6
19,500
58,500
3
4
5
6
7
8
9
10
11
12
13
Saldo capital
Intereses mensuales
Intereses acumulados
Mora mensual
Mora acumulada
Saldo capital
Capital no utilizado
Desembolsos mensuales
Costo de capital mes
Colocaciones C. Complementaria
Ingresos C.C
% de Liquidez a C:C
Tasa de Cuenta C.
80%
4.5%
0
0
0
0
6,750
3,000
3,000
75
75
8
8
21,083
8,167
6,000
225
300
25
33
30,300
8,700
3,000
300
600
33
66
47,100
11,400
6,000
2,400
108
6,533
294
6,960
313
9,120
410
10
11
12
13
14
15
16
17
18
19
20
21
12
6,163
13
7,362
14
8,562
CICLO4
15
9,762
5,184
16
5,778
17
7,218
18
8,658
CICLO5
19
10,098
6,221
20
5,317
21
7,045
CICLO2
7
9,250
3,600
8
6,483
9
7,483
10
8,483
CICLO3
11
9,483
4,320
900
1,080
900
1,296
1,080
900
750
1,080
900
90
1,080
10
8,483
1,296
130
108
90
10
7,483
10
9,483
156
130
108
90
10
6,163
1,555
1,296
108
90
75
8
6,483
1,555
1,296
12
7,362
12
8,562
12
9,762
156
130
108
12
5,778
14
7,218
14
8,658
14
10,098
130
14
5,317
17
7,045
17
8,772
67
267
80
347
80
427
80
507
80
587
96
684
96
780
96
876
96
972
115
1,087
115
1,203
115
1,318
115
1,433
138
1,572
138
1,710
16,767
18,401
7,200
12,834
14,794
16,754
18,715
8,640
12,035
14,387
16,739
19,092
10,368
11,076
13,898
16,721
19,544
12,442
9,925
1,800
2,160
1,800
1,500
1,800
1,500
2,160
180
17
18,401
134
401
7,583
8,417
216
20
14,794
160
694
20
16,754
160
854
20
18,715
160
1,015
9,250
3,600
6,483
7,483
8,483
24
14,387
192
1,367
24
16,739
192
1,559
24
19,092
192
1,752
9,483
4,320
6,163
7,362
8,562
750
9,762
5,184
5,778
7,218
1,296
130
108
90
130
108
90
10
8,483
80
427
10
9,483
80
507
10
6,163
80
587
12
7,362
96
684
10,098
6,221
1,296
1,080
90
75
8,658
34
13,312
277
3,143
1,296
108
75
259
29
9,925
231
2,867
1,296
900
10
7,483
80
347
29
19,544
231
2,636
1,080
90
8
6,483
67
267
29
16,721
231
2,405
1,080
900
75
29
13,898
231
2,174
1,080
900
8
9,250
67
200
259
216
24
11,076
192
1,944
900
750
311
259
216
180
20
12,035
160
1,175
750
2,592
259
180
150
17
12,834
134
534
2,592
2,160
216
150
3,110
2,592
1,800
180
8
8,417
67
134
2,592
2,160
12
8,562
96
780
12
9,762
96
876
130
108
12
5,778
96
972
14
7,218
115
1,087
14
8,658
115
1,203
14
10,098
115
1,318
130
14
5,317
115
1,433
13,500
15,134
16,767
18,401
7,200
1,500
12,834
14,794
16,754
18,715
8,640
1,800
1,500
180
17
15,134
134
134
17
16,767
134
267
17
18,401
134
401
9,750
3,000
6,750
7,583
8,417
20
16,754
160
854
20
18,715
160
1,015
9,250
3,600
6,483
7,483
8,483
24
16,739
192
1,559
24
19,092
192
1,752
9,483
4,320
6,163
7,362
8,562
750
5,778
1,296
1,080
108
90
75
130
108
90
10
8,483
80
427
10
9,483
80
507
7,218
1,296
900
10
7,483
80
347
9,762
5,184
29
19,544
231
2,636
1,080
90
75
8
6,483
67
267
29
16,721
231
2,405
1,080
900
75
29
13,898
231
2,174
1,080
750
75
259
24
14,387
192
1,367
900
8
9,250
67
200
259
216
24
11,076
192
1,944
900
750
8
8,417
67
134
259
216
20
14,794
160
694
750
2,592
216
180
20
12,035
160
1,175
16,721
2,592
216
180
150
17
12,834
134
534
13,898
2,160
180
150
11,076
2,160
1,800
150
19,092
10,368
2,592
1,800
150
16,739
2,160
1,500
8
7,583
67
67
14,387
2,160
1,800
1,500
0
6,750
12,035
130
108
90
10
6,163
80
587
12
7,362
96
684
12
8,562
96
780
12
9,762
96
876
108
12
5,778
96
972
14
7,218
115
1,087
14
8,658
115
1,203
19,500
6,000
13,500
15,134
16,767
18,401
7,200
1,500
12,834
14,794
16,754
1,800
1,500
150
17
18,401
134
401
9,750
3,000
6,750
7,583
8,417
216
20
14,794
160
694
20
16,754
160
854
20
18,715
160
1,015
180
20
12,035
160
1,175
9,250
3,600
6,483
7,483
8,483
750
24
14,387
192
1,367
24
16,739
192
1,559
24
19,092
192
1,752
216
24
11,076
192
1,944
9,483
4,320
6,163
7,362
8,562
900
750
750
1,080
900
90
75
1,080
108
90
75
108
90
75
13,500
9,762
5,184
1,080
900
75
29
13,898
231
2,174
1,080
900
750
8
8,417
67
134
259
216
180
17
16,767
134
267
19,500
6,000
2,160
216
150
11,076
2,160
180
17
15,134
134
134
19,092
10,368
2,592
1,800
180
150
17
12,834
134
534
16,739
2,160
1,800
150
8
7,583
67
67
14,387
2,160
1,500
0
6,750
12,035
1,800
1,500
0
13,500
0
0
18,715
8,640
108
90
8
9,250
67
200
8
6,483
67
267
10
7,483
80
347
10
8,483
80
427
10
9,483
80
507
10
6,163
80
587
12
7,362
96
684
12
8,562
96
780
12
9,762
96
876
108
12
5,778
96
972
15,134
16,767
18,401
7,200
12,834
14,794
16,754
18,715
8,640
12,035
14,387
16,739
1,500
1,800
1,500
2,160
1,800
1,500
2,160
1,800
1,500
150
180
150
216
180
150
0
13,500
0
0
17
15,134
134
134
19,500
6,000
2,160
1,800
17
16,767
134
267
13,500
216
180
17
18,401
134
401
150
17
12,834
134
534
15,134
16,767
216
20
14,794
160
694
20
16,754
160
854
20
18,715
160
1,015
180
20
12,035
160
1,175
18,401
7,200
12,834
14,794
16,754
1,500
2,160
1,800
216
180
150
9,750
68,250
19,500
87,750
9,750
97,500
14,387
180
150
12,035
2,160
1,500
18,715
8,640
1,800
150
24
19,092
192
1,752
1,800
1,500
17
15,134
134
134
24
16,739
192
1,559
1,800
1,500
0
13,500
0
0
24
14,387
192
1,367
17
16,767
134
267
17
18,401
134
401
216
180
150
17
12,834
134
534
20
14,794
160
694
20
16,754
160
854
20
18,715
160
1,015
180
20
12,035
160
1,175
24
14,387
192
1,367
10
11
12
13
14
15
16
17
18
19
20
19,500
117,000
19,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
24
16,739
192
1,559
21
136,500
450
1,050
50
116
55,184
13,067
6,600
540
1,590
59
175
67,417
20,333
13,200
720
2,310
79
254
78,461
19,040
6,600
810
3,120
89
343
93,654
23,346
13,200
990
4,110
109
452
110,088
26,412
13,920
1,173
5,283
129
581
107,102
29,398
15,840
1,239
6,522
136
717
112,754
23,746
7,920
1,272
7,794
140
857
110,853
25,647
15,840
1,338
9,132
147
1,005
108,807
27,693
16,704
1,408
10,540
155
1,159
105,224
31,276
19,008
1,487
12,026
164
1,323
112,007
24,493
9,504
1,526
13,553
168
1,491
109,726
26,774
19,008
1,606
15,158
177
1,667
107,271
29,229
20,045
1,689
16,848
186
1,853
102,971
33,529
22,810
1,784
18,632
196
2,049
111,110
25,390
11,405
10,453
470
16,266
732
15,232
685
18,677
840
21,130
951
23,519
1,058
18,997
855
20,517
923
22,154
997
25,021
1,126
19,594
882
21,419
964
23,383
1,052
26,824
1,207
20,312
914
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
32
4,301
33
7,009
34
9,717
CICLO9
35
12,425
9,750
36
5,383
325
22
8,772
CICLO6
23
10,500
7,465
24
4,763
25
6,836
26
8,910
CICLO7
27
10,983
8,958
1,866
28
4,099
1,555
2,438
1,866
2,239
187
2,438
2,239
224
187
156
2,438
244
224
187
21
8,910
21
10,983
2,438
2,438
1,866
21
6,836
CICLO8
31
11,563
9,750
2,239
1,555
156
17
4,763
30
9,075
2,239
1,866
17
10,500
29
6,587
244
244
224
187
21
4,099
244
224
25
6,587
25
9,075
25
11,563
25
4,301
27
7,009
27
9,717
27
12,425
244
27
5,383
27
8,091
138
1,848
138
1,987
166
2,153
166
2,319
166
2,485
166
2,651
199
2,851
199
3,050
199
3,249
199
3,449
217
3,665
217
3,882
217
4,099
217
4,316
217
4,533
13,312
16,699
20,087
14,930
8,544
12,609
16,673
20,738
17,916
6,887
11,764
16,642
21,519
19,500
6,897
12,206
17,515
22,824
19,500
3,732
3,110
4,479
3,732
3,110
3,732
3,110
3,732
311
373
34
20,087
277
3,697
5,317
7,045
8,772
10,500
7,465
1,555
448
41
16,673
332
4,638
41
20,738
332
4,970
4,763
6,836
373
41
6,887
332
5,303
8,910
49
11,764
399
5,701
10,983
8,958
4,099
6,587
7,009
2,438
244
224
187
21
10,983
166
2,485
244
224
187
21
4,099
166
2,651
9,717
2,438
224
21
8,910
166
2,319
4,301
488
54
8,633
434
8,633
2,239
187
156
54
22,824
434
8,199
2,239
187
21
6,836
166
2,153
11,563
9,750
54
17,515
434
7,765
2,438
1,866
156
156
17
4,763
138
1,987
9,075
54
12,206
434
7,331
2,239
1,866
156
17
10,500
138
1,848
49
21,519
399
6,498
488
448
49
6,897
399
6,897
2,239
1,555
17
8,772
138
1,710
49
16,642
399
6,100
1,866
1,555
17
7,045
138
1,572
488
448
1,866
1,555
4,875
488
373
41
12,609
332
4,306
4,875
4,479
448
311
311
34
8,544
277
3,974
4,875
4,479
373
34
16,699
277
3,420
4,875
4,479
25
6,587
199
2,851
25
9,075
199
3,050
25
11,563
199
3,249
244
224
25
4,301
199
3,449
27
7,009
217
3,665
27
9,717
217
3,882
27
12,425
217
4,099
19,544
12,442
9,925
13,312
16,699
20,087
14,930
3,110
8,544
12,609
2,592
10,098
6,221
5,317
7,045
41
12,609
332
4,306
10,500
7,465
1,555
41
16,673
332
4,638
41
20,738
332
4,970
4,763
6,836
6,587
17
10,500
138
1,848
2,239
244
224
224
187
21
8,910
166
2,319
4,301
2,438
187
21
6,836
166
2,153
11,563
9,750
54
17,515
434
7,765
2,239
187
156
17
4,763
138
1,987
9,075
54
12,206
434
7,331
224
156
17
8,772
138
1,710
4,099
448
49
6,897
399
6,897
1,866
187
130
49
21,519
399
6,498
1,866
156
17
7,045
138
1,572
10,983
8,958
49
16,642
399
6,100
2,239
1,555
156
14
10,098
115
1,318
8,910
49
11,764
399
5,701
2,239
1,555
130
14
5,317
115
1,433
373
41
6,887
332
5,303
1,866
1,296
488
448
1,866
1,555
1,296
488
448
373
8,772
4,875
4,479
373
311
34
8,544
277
3,974
12,206
4,479
448
311
6,897
4,875
3,732
311
21,519
19,500
4,479
373
34
20,087
277
3,697
16,642
4,479
3,110
34
16,699
277
3,420
11,764
3,732
311
8,658
6,887
3,732
3,110
34
13,312
277
3,143
20,738
17,916
3,732
3,110
259
29
9,925
231
2,867
16,673
21
10,983
166
2,485
21
4,099
166
2,651
25
6,587
199
2,851
25
9,075
199
3,050
25
11,563
199
3,249
224
25
4,301
199
3,449
27
7,009
217
3,665
13,898
16,721
19,544
12,442
9,925
13,312
16,699
20,087
14,930
3,110
2,592
8,544
2,592
2,592
5,778
7,218
8,658
10,098
6,221
1,296
34
20,087
277
3,697
5,317
7,045
448
373
8,772
41
12,609
332
4,306
10,500
7,465
1,555
41
16,673
332
4,638
4,763
41
20,738
332
4,970
6,836
1,296
1,296
19,092
10,368
11,076
13,898
16,721
6,587
2,239
224
187
224
187
17
7,045
138
1,572
17
8,772
138
1,710
17
10,500
138
1,848
156
17
4,763
138
1,987
19,544
12,442
9,925
13,312
16,699
9,075
1,866
156
14
10,098
115
1,318
4,099
448
49
6,897
399
6,897
2,239
187
130
49
21,519
399
6,498
2,239
1,555
156
14
8,658
115
1,203
10,983
8,958
49
16,642
399
6,100
1,866
156
14
7,218
115
1,087
8,910
49
11,764
399
5,701
1,866
1,555
130
14
5,317
115
1,433
448
373
41
6,887
332
5,303
1,866
1,555
130
4,479
373
34
16,699
277
3,420
1,296
130
4,479
448
311
34
13,312
277
3,143
21,519
19,500
4,479
373
311
34
8,544
277
3,974
16,642
3,732
311
29
19,544
231
2,636
11,764
3,732
311
259
6,887
4,479
3,110
259
20,738
17,916
3,732
3,110
259
29
9,925
231
2,867
16,673
3,732
3,110
29
16,721
231
2,405
12,609
224
21
6,836
166
2,153
21
8,910
166
2,319
21
10,983
166
2,485
187
21
4,099
166
2,651
20,087
14,930
8,544
12,609
16,673
25
6,587
199
2,851
25
9,075
199
3,050
25
11,563
199
3,249
20,738
17,916
6,887
11,764
2,592
3,110
2,592
3,732
3,110
2,592
2,160
3,110
2,592
259
3,110
259
16,739
29
19,544
231
2,636
259
29
9,925
231
2,867
19,092
10,368
11,076
13,898
16,721
34
16,699
277
3,420
34
20,087
277
3,697
311
34
8,544
277
3,974
19,544
12,442
9,925
13,312
16,699
41
20,738
332
4,970
373
41
6,887
332
5,303
20,087
14,930
8,544
12,609
16,673
259
29
16,721
231
2,405
3,732
373
311
29
19,544
231
2,636
448
373
311
259
29
9,925
231
2,867
373
311
34
13,312
277
3,143
6,887
3,732
3,110
311
216
20,738
17,916
4,479
3,110
259
49
16,642
399
6,100
3,732
2,592
259
49
11,764
399
5,701
3,732
2,592
29
13,898
231
2,174
41
16,673
332
4,638
3,110
2,160
24
19,092
192
1,752
41
12,609
332
4,306
3,110
2,592
448
373
34
13,312
277
3,143
2,592
2,160
448
373
311
29
16,721
231
2,405
216
24
11,076
192
1,944
3,732
373
311
29
13,898
231
2,174
4,479
3,732
311
259
216
24
11,076
192
1,944
4,479
3,732
34
16,699
277
3,420
34
20,087
277
3,697
22
23
24
25
26
27
28
29
30
136,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
136,500
34
8,544
277
3,974
31
136,500
41
12,609
332
4,306
41
16,673
332
4,638
41
20,738
332
4,970
373
41
6,887
332
5,303
49
11,764
399
5,701
32
33
34
35
36
136,500
136,500
136,500
136,500
136,500
1,832
20,463
201
2,251
108,373
28,127
22,810
1,927
22,390
212
2,463
105,427
31,073
24,054
2,027
24,417
223
2,686
100,267
36,233
27,372
2,141
26,558
236
2,921
110,034
26,466
13,686
2,198
28,756
242
3,163
106,750
29,750
27,372
2,312
31,068
254
3,417
103,214
33,286
28,865
2,432
33,500
268
3,685
97,022
39,478
32,846
2,569
36,070
283
3,968
108,743
27,757
16,423
2,638
38,707
290
4,258
104,802
31,698
32,846
2,774
41,482
305
4,563
101,559
34,941
33,638
2,894
44,376
318
4,881
95,849
40,651
37,416
3,008
47,384
331
5,212
110,093
26,407
18,708
3,065
50,449
337
5,549
106,262
30,238
37,416
3,179
53,628
350
5,899
103,676
32,824
37,416
3,274
56,902
360
6,259
100,539
35,961
39,000
22,501
1,013
24,859
1,119
28,987
1,304
21,173
953
23,800
1,071
26,629
1,198
31,582
1,421
22,205
999
25,359
1,141
27,953
1,258
32,520
1,463
21,126
951
24,190
1,089
26,259
1,182
28,769
1,295
37
38
37
8,091
38
10,799
2,438
2,438
244
244
27
10,799
27
13,507
217
4,750
217
4,967
8,633
13,941
4,875
4,875
488
488
54
13,941
434
9,066
12,425
9,750
54
19,250
434
9,500
5,383
2,438
2,438
244
244
27
5,383
217
4,316
27
8,091
217
4,533
17,515
22,824
19,500
4,875
4,875
488
54
22,824
434
8,199
7,009
488
54
8,633
434
8,633
9,717
2,438
2,438
244
244
27
9,717
217
3,882
27
12,425
217
4,099
6,897
12,206
4,875
4,875
488
488
54
12,206
434
7,331
11,563
9,750
54
17,515
434
7,765
4,301
2,438
2,239
244
224
25
4,301
199
3,449
16,642
27
7,009
217
3,665
21,519
19,500
4,479
4,479
448
49
21,519
399
6,498
448
49
6,897
399
6,897
11,764
16,642
4,479
4,479
448
448
49
16,642
399
6,100
49
21,519
399
6,498
37
38
136,500
136,500
3,313
60,216
364
6,624
117,333
19,167
19,500
3,333
63,549
367
6,990
114,847
21,653
39,000
15,333
690
17,322
779

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SIMULAR DE FUNCIONAMIENTO ECONOMICO DE UN BANCO COMUNAL

A NIVEL DE UN OFICIAL DE CREDITO

PEDIR CLAVE A JORGE OROZA

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97,500 117,000 136,500 136,500 136,500 136,500 136,500

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