Informefinal Matematicafianciera

EVALUACION FINAL
INFORME FINANCIERO
MATEMATICA FINANCIERA
EDNA LIZETH GUTIERREZ

CDO 1098698941
GRUPO
102007_123
TUTOR
MERCEDES CRUZ
UNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA UNAD

ESCUELA DE CIENCIAS BSICAS, TECNOLOGA E INGENIERA
CEAD - MEDELLN
28 DE MAYO DE 2017
UNAD
NIERA
INTRODUCCION
este trabajo nos permite profundizar en los conocimeintos basicos de matematica

financiera afianzando el manejo de los conceptos de interes simple y compuesto,
aplicado en las tablas de interes elaboradas, y por medio del mtodo de estudio de
casos, a las herramientas de toma de decisiones de inversin, nos deja apropiar de
herramientas como el VPN o TIR, conocer su funcionamiento, forma de aplicacin y
utilidad a la hora de elegir entre diferentes alternativas de inversin, por ultimo nos
sita en una posicin idnea para evaluar la viabilidad de diferentes proyectos y por
ende tomar mejores decisiones financieras, tanto para nuestra situacin personal, como
para las empresas para las cuales trabajamos.
La compaa ENRECOL - Energas renovables de Colombia S.A.S la cual se dedica a la explotacin y comercializacin de energa a partir d
proyecto de inversin es de $ 5.000.000.000 (Cinco mil millones de pesos).
La compaa requiere para emprender su proyecto la suma de $ 2.500.000.000 (Dos mil quinientos millones de pesos), dado que dispone del
La compaa requiere del apalancamiento por parte una entidad financiera para desarrollar su proyecto de inversin, por lo cual ha decidido e
Actividades a desarrollar de forma individual:
1. Desarrollar Tablas de inters simple y Tablas de inters compuesto que den respuesta a los siguientes interrogantes;
A. Aplicando la tasa de inters anual simple del 12,5% de un crdito de $ 2.500.000.000 a 12 meses que le presta la entidad A, cual e
CAPITAL 2,500,000,000
TASA DE INTERES 0.0104
TIEMPO 12
PERIODO SALDO INICIAL

1 2,500,000,000
2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
8 2,500,000,000
9 2,500,000,000
10 2,500,000,000
11 2,500,000,000
12 2,500,000,000
TOTAL
B. Aplicando la tasa de inters efectiva anual del 12,5% de un crdito de $ 2.500.000.000 a 12 meses que le presta la entidad A, cual
CAPITAL 2,500,000,000
TIEMPO 12

1 2,500,000,000
2 4,966,000,000
3 9,864,462,400
4 19,594,768,111
5 38,923,047,376
6 77,316,741,308
7 153,581,974,935
8 305,075,235,011
9 606,001,446,826
10 1,203,761,273,976
11 2,391,151,394,626
12 4,749,783,130,285
TOTAL
C. Aplicando la tasa de inters anual simple del 13,7% de un crdito de $ 2.500.000.000 a 24 meses que le presta la entidad B, cual e
CAPITAL 2,500,000,000
TIEMPO 24

1 2,500,000,000
2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
8 2,500,000,000
9 2,500,000,000
10 2,500,000,000
11 2,500,000,000
12 2,500,000,000
13 2,500,000,000
14 2,500,000,000
15 2,500,000,000
16 2,500,000,000
17 2,500,000,000
18 2,500,000,000
19 2,500,000,000
20 2,500,000,000
21 2,500,000,000
22 2,500,000,000
23 2,500,000,000
24 2,500,000,000
TOTAL
D. Aplicando la tasa de inters efectiva anual del 13,7% de un crdito de $ 2.500.000.000 a 24 meses que le presta la entidad B, cual
CAPITAL 2,500,000,000
TIEMPO 24

1 2,500,000,000
2 5,189,250,000
3 10,771,326,225
4 22,358,041,845
5 46,408,587,458
6 96,330,304,987
7 199,952,814,061
8 415,042,056,147
9 861,502,795,944
10 1,788,221,353,542
11 3,711,811,063,546
12 7,704,606,224,603
13 15,992,451,140,408
14 33,195,530,832,145
15 68,903,963,348,283
16 143,023,956,722,030
17 296,874,826,967,918
18 616,223,078,337,307
19 1,279,094,243,704,750
20 2,655,015,921,657,940
21 5,511,016,548,585,396
22 11,439,217,049,898,700
23 23,744,382,830,474,800
24 49,286,215,441,216,500
TOTAL
E. Aplicando la tasa de inters anual simple del 11,9% de un crdito de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual e
CAPITAL 2,500,000,000
TIEMPO 36

1 2,500,000,000
2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
8 2,500,000,000
9 2,500,000,000
10 2,500,000,000
11 2,500,000,000
12 2,500,000,000
13 2,500,000,000
14 2,500,000,000
15 2,500,000,000
16 2,500,000,000
17 2,500,000,000
18 2,500,000,000
19 2,500,000,000
20 2,500,000,000
21 2,500,000,000
22 2,500,000,000
23 2,500,000,000
24 2,500,000,000
25 2,500,000,000
26 2,500,000,000
27 2,500,000,000
28 2,500,000,000
29 2,500,000,000
30 2,500,000,000
31 2,500,000,000
32 2,500,000,000
33 2,500,000,000
34 2,500,000,000
35 2,500,000,000
36 2,500,000,000
TOTAL
F. Aplicando la tasa de inters efectiva anual del 11,9% de un crdito de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual
CAPITAL 2,500,000,000
TIEMPO 36

1 2,500,000,000
2 4,853,500,000
3 9,422,584,900
4 18,293,006,325
5 35,514,042,479
6 68,946,962,069
7 133,853,632,161
8 259,863,441,476
9 504,498,885,282
10 979,434,135,887
11 1,901,473,431,412
12 3,691,520,519,743
13 7,166,717,937,028
14 13,913,466,202,947
15 27,011,603,286,401
16 52,440,326,620,220
17 101,807,650,100,494
18 197,649,371,905,099
19 383,716,490,616,560
20 744,947,194,882,989
21 1,446,240,484,145,835
22 2,807,731,275,920,724
23 5,450,929,499,072,494
24 10,582,434,529,499,300
25 20,544,738,395,570,000
26 39,885,555,121,159,600
27 77,433,816,712,219,300
28 150,330,011,765,103,000
29 291,850,684,840,770,000
30 566,598,919,549,871,000
31 1,099,995,142,414,120,000
32 2,135,530,569,482,770,000
33 4,145,919,047,593,850,000
34 8,048,887,238,998,710,000
35 15,626,109,685,792,100,000
36 30,336,529,343,996,800,000
TOTAL
G. Aplicando la tasa de inters anual simple del 14,2% de un crdito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual e
CAPITAL 2,500,000,000
TIEMPO 48

1 2,500,000,000
2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
8 2,500,000,000
9 2,500,000,000
10 2,500,000,000
11 2,500,000,000
12 2,500,000,000
13 2,500,000,000
14 2,500,000,000
15 2,500,000,000
16 2,500,000,000
17 2,500,000,000
18 2,500,000,000
19 2,500,000,000
20 2,500,000,000
21 2,500,000,000
22 2,500,000,000
23 2,500,000,000
24 2,500,000,000
25 2,500,000,000
26 2,500,000,000
27 2,500,000,000
28 2,500,000,000
29 2,500,000,000
30 2,500,000,000
31 2,500,000,000
32 2,500,000,000
33 2,500,000,000
34 2,500,000,000
35 2,500,000,000
36 2,500,000,000
37 2,500,000,000
38 2,500,000,000
39 2,500,000,000
40 2,500,000,000
41 2,500,000,000
42 2,500,000,000
43 2,500,000,000
44 2,500,000,000
45 2,500,000,000
46 2,500,000,000
47 2,500,000,000
48 2,500,000,000
TOTAL
H. Aplicando la tasa de inters efectiva anual del 14,2% de un crdito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual
CAPITAL 2,500,000,000
TIEMPO 48

1 2,500,000,000
2 5,281,750,000
3 11,158,753,225
4 23,575,097,938
5 49,807,109,415
6 105,227,480,060
7 222,314,097,123
8 469,682,992,992
9 992,299,259,294
10 2,096,430,645,111
11 4,429,129,023,926
12 9,357,420,888,849
13 19,769,423,111,872
14 41,766,860,208,451
15 88,240,845,562,395
16 186,426,434,419,672
17 393,863,127,998,442
18 832,114,630,522,308
19 1,758,008,579,904,479
20 3,714,144,726,764,193
21 7,846,873,564,234,710
22 16,578,089,779,158,700
23 35,024,530,276,428,500
24 73,996,325,115,010,600
25 156,332,036,070,483,000
26 330,282,692,606,109,000
27 697,788,244,668,927,000
28 1,474,217,224,512,040,000
29 3,114,578,730,226,590,000
30 6,580,170,483,349,720,000
31 13,901,926,180,172,900,000
32 29,370,599,440,851,400,000
33 62,051,265,438,686,700,000
34 131,095,708,492,313,000,000
35 276,965,903,331,711,000,000
36 585,145,863,968,905,000,000
37 1,236,237,666,807,110,000,000
38 2,611,799,318,663,370,000,000
39 5,517,948,420,540,110,000,000
40 11,657,769,628,075,100,000,000
41 24,629,369,893,234,200,000,000
42 52,034,469,773,435,900,000,000
43 109,933,224,290,338,000,000,000
44 232,255,922,958,197,000,000,000
45 490,687,088,433,784,000,000,000
46 1,036,674,611,734,050,000,000,000
47 2,190,182,452,210,540,000,000,000
48 4,627,198,466,785,200,000,000,000
TOTAL
I. Aplicando la tasa de inters anual simple del 13,3% de un crdito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual es
CAPITAL 2,500,000,000
TIEMPO 60

1 2,500,000,000
2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
8 2,500,000,000
9 2,500,000,000
10 2,500,000,000
11 2,500,000,000
12 2,500,000,000
13 2,500,000,000
14 2,500,000,000
15 2,500,000,000
16 2,500,000,000
17 2,500,000,000
18 2,500,000,000
19 2,500,000,000
20 2,500,000,000
21 2,500,000,000
22 2,500,000,000
23 2,500,000,000
24 2,500,000,000
25 2,500,000,000
26 2,500,000,000
27 2,500,000,000
28 2,500,000,000
29 2,500,000,000
30 2,500,000,000
31 2,500,000,000
32 2,500,000,000
33 2,500,000,000
34 2,500,000,000
35 2,500,000,000
36 2,500,000,000
37 2,500,000,000
38 2,500,000,000
39 2,500,000,000
40 2,500,000,000
41 2,500,000,000
42 2,500,000,000
43 2,500,000,000
44 2,500,000,000
45 2,500,000,000
46 2,500,000,000
47 2,500,000,000
48 2,500,000,000
49 2,500,000,000
50 2,500,000,000
51 2,500,000,000
52 2,500,000,000
53 2,500,000,000
54 2,500,000,000
55 2,500,000,000
56 2,500,000,000
57 2,500,000,000
58 2,500,000,000
59 2,500,000,000
60 2,500,000,000
TOTAL
J. Aplicando la tasa de inters efectiva anual del 13,3% de un crdito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual
CAPITAL 2,500,000,000
TIEMPO 60

1 2,500,000,000
2 5,115,000,000
3 10,465,290,000
4 21,411,983,340
5 43,808,917,914
6 89,633,046,051
7 183,389,212,221
8 375,214,328,204
9 767,688,515,506
10 1,570,690,702,725
11 3,213,633,177,774
12 6,575,093,481,726
13 13,452,641,263,612
14 27,524,104,025,350
15 56,314,316,835,866
16 115,219,092,246,182
17 235,738,262,735,688
18 482,320,485,557,219
19 986,827,713,450,070
20 2,019,049,501,718,840
21 4,130,975,280,516,751
22 8,451,975,423,937,272
23 17,292,741,717,375,700
24 35,380,949,553,750,600
25 72,389,422,786,973,700
26 148,108,759,022,148,000
27 303,030,520,959,315,000
28 620,000,445,882,759,000
29 1,268,520,912,276,130,000
30 2,595,393,786,516,950,000
31 5,310,175,687,213,690,000
32 10,864,619,456,039,200,000
33 22,229,011,407,056,200,000
34 45,480,557,338,837,000,000
35 93,053,220,315,260,500,000
36 190,386,888,765,023,000,000
37 389,531,574,413,237,000,000
38 796,981,601,249,483,000,000
39 1,630,624,356,156,440,000,000
40 3,336,257,432,696,080,000,000
41 6,825,982,707,296,180,000,000
42 13,965,960,619,128,000,000,000
43 28,574,355,426,735,800,000,000
44 58,463,131,203,101,500,000,000
45 119,615,566,441,546,000,000,000
46 244,733,448,939,403,000,000,000
47 500,724,636,530,018,000,000,000
48 1,024,482,606,340,420,000,000,000
49 2,096,091,412,572,490,000,000,000
50 4,288,603,030,123,320,000,000,000
51 8,774,481,799,632,310,000,000,000
52 17,952,589,762,047,700,000,000,000
53 36,730,998,653,149,600,000,000,000
54 75,151,623,244,344,100,000,000,000
55 153,760,221,157,928,000,000,000,000
56 314,593,412,489,121,000,000,000,000
57 643,658,121,952,741,000,000,000,000
58 1,316,924,517,515,310,000,000,000,000
59 2,694,427,562,836,320,000,000,000,000
60 5,512,798,793,563,110,000,000,000,000
TOTAL
a cual se dedica a la explotacin y comercializacin de energa a partir del uso de fuentes naturales, desea realizar un proyecto de inversin el cual consiste
pesos).
0.000.000 (Dos mil quinientos millones de pesos), dado que dispone del capital restante para su proyecto.
nciera para desarrollar su proyecto de inversin, por lo cual ha decidido evaluar y analizar la propuesta de financiacin que han ofrecido cinco (5) entidade
uesto que den respuesta a los siguientes interrogantes;
dito de $ 2.500.000.000 a 12 meses que le presta la entidad A, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al tr
Mensual
Meses
INTERESES SALDO FINAL

26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
26,041,666.67 2,500,000,000.00
rdito de $ 2.500.000.000 a 12 meses que le presta la entidad A, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

2,466,000,000.00 2,500,000,000.00
4,898,462,400.00 4,966,000,000.00
9,730,305,711.36 9,864,462,400.00
19,328,279,265.05 19,594,768,111.36
38,393,693,932.09 38,923,047,376.41
76,265,233,626.70 77,316,741,308.49
151,493,260,076.07 153,581,974,935.19
300,926,211,815.11 305,075,235,011.26
597,759,827,149.53 606,001,446,826.36
1,187,390,120,649.82 1,203,761,273,975.89
2,358,631,735,658.79 2,391,151,394,625.70
4,685,186,079,712.63 4,749,783,130,284.50
dito de $ 2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al tr
Mensual
Meses

28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
28,541,666.67 2,500,000,000.00
rdito de $ 2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

2,689,250,000.00 2,500,000,000.00
5,582,076,225.00 5,189,250,000.00
11,586,715,620.23 10,771,326,225.00
24,050,545,612.92 22,358,041,845.23
49,921,717,528.73 46,408,587,458.15
103,622,509,074.39 96,330,304,986.88
215,089,242,085.71 199,952,814,061.27
446,460,739,797.30 415,042,056,146.97
926,718,557,597.25 861,502,795,944.27
1,923,589,710,004.61 1,788,221,353,541.52
3,992,795,161,056.58 3,711,811,063,546.14
8,287,844,915,805.14 7,704,606,224,602.71
17,203,079,691,736.70 15,992,451,140,407.90
35,708,432,516,137.90 33,195,530,832,144.60
74,119,993,373,747.50 68,903,963,348,282.50
153,850,870,245,888.00 143,023,956,722,030.00
319,348,251,369,389.00 296,874,826,967,918.00
662,871,165,367,441.00 616,223,078,337,307.00
1,375,921,677,953,197.00 1,279,094,243,704,750.00
2,856,000,626,927,451.00 2,655,015,921,657,940.00
5,928,200,501,313,311.00 5,511,016,548,585,396.00
12,305,165,780,576,000.00 11,439,217,049,898,700.00
25,541,832,610,741,700.00 23,744,382,830,474,800.00
53,017,181,950,116,500.00 49,286,215,441,216,500.00
dito de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al tr
Mensual
Meses

24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
24,791,666.67 2,500,000,000.00
rdito de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

2,353,500,000.00 2,500,000,000.00
4,569,084,900.00 4,853,500,000.00
8,870,421,424.86 9,422,584,900.00
17,221,036,154.22 18,293,006,324.86
33,432,919,589.81 35,514,042,479.08
64,906,670,091.66 68,946,962,068.89
126,009,809,315.94 133,853,632,160.55
244,635,443,805.97 259,863,441,476.49
474,935,250,604.90 504,498,885,282.45
922,039,295,524.35 979,434,135,887.35
1,790,047,088,330.98 1,901,473,431,411.70
3,475,197,417,285.75 3,691,520,519,742.68
6,746,748,265,918.57 7,166,717,937,028.43
13,098,137,083,454.30 13,913,466,202,947.00
25,428,723,333,818.20 27,011,603,286,401.30
49,367,323,480,274.60 52,440,326,620,219.50
95,841,721,804,605.10 101,807,650,100,494.00
186,067,118,711,460.00 197,649,371,905,099.00
361,230,704,266,429.00 383,716,490,616,560.00
701,293,289,262,846.00 744,947,194,882,989.00
1,361,490,791,774,889.00 1,446,240,484,145,835.00
2,643,198,223,151,770.00 2,807,731,275,920,724.00
5,131,505,030,426,846.00 5,450,929,499,072,494.00
9,962,303,866,070,680.00 10,582,434,529,499,300.00
19,340,816,725,589,600.00 20,544,738,395,570,000.00
37,548,261,591,059,700.00 39,885,555,121,159,600.00
72,896,195,052,883,300.00 77,433,816,712,219,300.00
141,520,673,075,668,000.00 150,330,011,765,103,000.00
274,748,234,709,101,000.00 291,850,684,840,770,000.00
533,396,222,864,249,000.00 566,598,919,549,871,000.00
1,035,535,427,068,650,000.00 1,099,995,142,414,120,000.00
2,010,388,478,111,080,000.00 2,135,530,569,482,770,000.00
3,902,968,191,404,850,000.00 4,145,919,047,593,850,000.00
7,577,222,446,793,390,000.00 8,048,887,238,998,710,000.00
14,710,419,658,204,700,000.00 15,626,109,685,792,100,000.00
28,558,808,724,438,600,000.00 30,336,529,343,996,800,000.00
dito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
29,583,333.33 2,500,000,000.00
rdito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

2,781,750,000.00 2,500,000,000.00
5,877,003,225.00 5,281,750,000.00
12,416,344,713.46 11,158,753,225.00
26,232,011,476.12 23,575,097,938.46
55,420,370,645.60 49,807,109,414.58
117,086,617,062.96 105,227,480,060.18
247,368,895,868.92 222,314,097,123.15
522,616,266,302.28 469,682,992,992.07
1,104,131,385,816.82 992,299,259,294.34
2,332,698,378,815.19 2,096,430,645,111.16
4,928,291,864,922.85 4,429,129,023,926.35
10,412,002,223,022.50 9,357,420,888,849.20
21,997,437,096,579.60 19,769,423,111,871.70
46,473,985,353,943.80 41,766,860,208,451.30
98,185,588,857,277.10 88,240,845,562,395.20
207,436,693,578,769.00 186,426,434,419,672.00
438,251,502,523,866.00 393,863,127,998,442.00
925,893,949,382,172.00 832,114,630,522,308.00
1,956,136,146,859,710.00 1,758,008,579,904,479.00
4,132,728,837,470,520.00 3,714,144,726,764,193.00
8,731,216,214,923,962.00 7,846,873,564,234,710.00
18,446,440,497,269,900.00 16,578,089,779,158,700.00
38,971,794,838,582,000.00 35,024,530,276,428,500.00
82,335,710,955,472,300.00 73,996,325,115,010,600.00
173,950,656,535,626,000.00 156,332,036,070,483,000.00
367,505,552,062,818,000.00 330,282,692,606,109,000.00
776,428,979,843,115,000.00 697,788,244,668,927,000.00
1,640,361,505,714,550,000.00 1,474,217,224,512,040,000.00
3,465,591,753,123,130,000.00 3,114,578,730,226,590,000.00
7,321,755,696,823,230,000.00 6,580,170,483,349,720,000.00
15,468,673,260,678,400,000.00 13,901,926,180,172,900,000.00
32,680,665,997,835,300,000.00 29,370,599,440,851,400,000.00
69,044,443,053,626,700,000.00 62,051,265,438,686,700,000.00
145,870,194,839,397,000,000.00 131,095,708,492,313,000,000.00
308,179,960,637,194,000,000.00 276,965,903,331,711,000,000.00
651,091,802,838,201,000,000.00 585,145,863,968,905,000,000.00
1,375,561,651,856,270,000,000.00 1,236,237,666,807,110,000,000.00
2,906,149,101,876,730,000,000.00 2,611,799,318,663,370,000,000.00
6,139,821,207,534,980,000,000.00 5,517,948,420,540,110,000,000.00
12,971,600,265,159,100,000,000.00 11,657,769,628,075,100,000,000.00
27,405,099,880,201,700,000,000.00 24,629,369,893,234,200,000,000.00
57,898,754,516,902,200,000,000.00 52,034,469,773,435,900,000,000.00
122,322,698,667,859,000,000,000.00 109,933,224,290,338,000,000,000.00
258,431,165,475,586,000,000,000.00 232,255,922,958,197,000,000,000.00
545,987,523,300,271,000,000,000.00 490,687,088,433,784,000,000,000.00
1,153,507,840,476,480,000,000,000.00 1,036,674,611,734,050,000,000,000.00
2,437,016,014,574,660,000,000,000.00 2,190,182,452,210,540,000,000,000.00
5,148,683,733,991,890,000,000,000.00 4,627,198,466,785,200,000,000,000.00
dito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al tr
Mensual
Meses

27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
27,708,333.33 2,500,000,000.00
rdito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al t
Mensual
Meses

2,615,000,000.00 2,500,000,000.00
5,350,290,000.00 5,115,000,000.00
10,946,693,340.00 10,465,290,000.00
22,396,934,573.64 21,411,983,340.00
45,824,128,137.67 43,808,917,913.64
93,756,166,169.67 89,633,046,051.31
191,825,115,983.14 183,389,212,220.98
392,474,187,301.51 375,214,328,204.12
803,002,187,218.88 767,688,515,505.62
1,642,942,475,049.82 1,570,690,702,724.50
3,361,460,303,951.94 3,213,633,177,774.32
6,877,547,781,885.67 6,575,093,481,726.26
14,071,462,761,738.10 13,452,641,263,611.90
28,790,212,810,516.10 27,524,104,025,350.00
58,904,775,410,316.00 56,314,316,835,866.10
120,519,170,489,506.00 115,219,092,246,182.00
246,582,222,821,530.00 235,738,262,735,688.00
504,507,227,892,851.00 482,320,485,557,219.00
1,032,221,788,268,770.00 986,827,713,450,070.00
2,111,925,778,797,909.00 2,019,049,501,718,840.00
4,321,000,143,420,520.00 4,130,975,280,516,751.00
8,840,766,293,438,387.00 8,451,975,423,937,272.00
18,088,207,836,374,900.00 17,292,741,717,375,700.00
37,008,473,233,223,100.00 35,380,949,553,750,600.00
75,719,336,235,174,500.00 72,389,422,786,973,700.00
154,921,761,937,167,000.00 148,108,759,022,148,000.00
316,969,924,923,444,000.00 303,030,520,959,315,000.00
648,520,466,393,366,000.00 620,000,445,882,759,000.00
1,326,872,874,240,830,000.00 1,268,520,912,276,130,000.00
2,714,781,900,696,730,000.00 2,595,393,786,516,950,000.00
5,554,443,768,825,510,000.00 5,310,175,687,213,690,000.00
11,364,391,951,017,000,000.00 10,864,619,456,039,200,000.00
23,251,545,931,780,800,000.00 22,229,011,407,056,200,000.00
47,572,662,976,423,500,000.00 45,480,557,338,837,000,000.00
97,333,668,449,762,500,000.00 93,053,220,315,260,500,000.00
199,144,685,648,214,000,000.00 190,386,888,765,023,000,000.00
407,450,026,836,246,000,000.00 389,531,574,413,237,000,000.00
833,642,754,906,959,000,000.00 796,981,601,249,483,000,000.00
1,705,633,076,539,640,000,000.00 1,630,624,356,156,440,000,000.00
3,489,725,274,600,100,000,000.00 3,336,257,432,696,080,000,000.00
7,139,977,911,831,800,000,000.00 6,825,982,707,296,180,000,000.00
14,608,394,807,607,900,000,000.00 13,965,960,619,128,000,000,000.00
29,888,775,776,365,700,000,000.00 28,574,355,426,735,800,000,000.00
61,152,435,238,444,200,000,000.00 58,463,131,203,101,500,000,000.00
125,117,882,497,857,000,000,000.00 119,615,566,441,546,000,000,000.00
255,991,187,590,615,000,000,000.00 244,733,448,939,403,000,000,000.00
523,757,969,810,399,000,000,000.00 500,724,636,530,018,000,000,000.00
1,071,608,806,232,080,000,000,000.00 1,024,482,606,340,420,000,000,000.00
2,192,511,617,550,830,000,000,000.00 2,096,091,412,572,490,000,000,000.00
4,485,878,769,508,990,000,000,000.00 4,288,603,030,123,320,000,000,000.00
9,178,107,962,415,390,000,000,000.00 8,774,481,799,632,310,000,000,000.00
18,778,408,891,101,900,000,000,000.00 17,952,589,762,047,700,000,000,000.00
38,420,624,591,194,500,000,000,000.00 36,730,998,653,149,600,000,000,000.00
78,608,597,913,583,900,000,000,000.00 75,151,623,244,344,100,000,000,000.00
160,833,191,331,193,000,000,000,000.00 153,760,221,157,928,000,000,000,000.00
329,064,709,463,620,000,000,000,000.00 314,593,412,489,121,000,000,000,000.00
673,266,395,562,567,000,000,000,000.00 643,658,121,952,741,000,000,000,000.00
1,377,503,045,321,010,000,000,000,000.00 1,316,924,517,515,310,000,000,000,000.00
2,818,371,230,726,790,000,000,000,000.00 2,694,427,562,836,320,000,000,000,000.00
5,766,387,538,067,010,000,000,000,000.00 5,512,798,793,563,110,000,000,000,000.00
ealizar un proyecto de inversin el cual consiste en la construccin de un Parque Elico con 5 aerogeneradores para un total de 10 MW de potencia instala
nanciacin que han ofrecido cinco (5) entidades financieras por medio de la financiacin a inters simple e inters compuesto.
e pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?
El ejercicio nos da 12,5% anual y al dividirlo en los 12 meses nos da un inters de 0,958
INTERESES ACUMULADOS
26,041,666.67
52,083,333.33
78,125,000.00
104,166,666.67
130,208,333.33
156,250,000.00
182,291,666.67
208,333,333.33
234,375,000.00
260,416,666.67
286,458,333.33
312,500,000.00
312,500,000.00
be pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?
Se realiza la conversin del inters efectivo anual por mensual utilizando el convertidor en la pagina https://www.superfinanciera.gov.co/repo
2,466,000,000.00
7,364,462,400.00
17,094,768,111.36
36,423,047,376.41
74,816,741,308.49
151,081,974,935.19
302,575,235,011.26
603,501,446,826.36
1,201,261,273,975.89
2,388,651,394,625.70
4,747,283,130,284.50
9,432,469,209,997.12
9,432,469,209,997.12
28,541,666.67
57,083,333.33
85,625,000.00
114,166,666.67
142,708,333.33
171,250,000.00
199,791,666.67
228,333,333.33
256,875,000.00
285,416,666.67
313,958,333.33
342,500,000.00
371,041,666.67
399,583,333.33
428,125,000.00
456,666,666.67
485,208,333.33
513,750,000.00
542,291,666.67
570,833,333.33
599,375,000.00
627,916,666.67
656,458,333.33
685,000,000.00
685,000,000.00
2,689,250,000.00
8,271,326,225.00
19,858,041,845.23
43,908,587,458.15
93,830,304,986.88
197,452,814,061.27
412,542,056,146.97
859,002,795,944.27
1,785,721,353,541.52
3,709,311,063,546.13
7,702,106,224,602.71
15,989,951,140,407.90
33,193,030,832,144.60
68,901,463,348,282.50
143,021,456,722,030.00
296,872,326,967,918.00
616,220,578,337,307.00
1,279,091,743,704,750.00
2,655,013,421,657,940.00
5,511,014,048,585,396.00
11,439,214,549,898,700.00
23,744,380,330,474,700.00
49,286,212,941,216,500.00
102,303,394,891,333,000.00
102,303,394,891,333,000.00
24,791,666.67
49,583,333.33
74,375,000.00
99,166,666.67
123,958,333.33
148,750,000.00
173,541,666.67
198,333,333.33
223,125,000.00
247,916,666.67
272,708,333.33
297,500,000.00
322,291,666.67
347,083,333.33
371,875,000.00
396,666,666.67
421,458,333.33
446,250,000.00
471,041,666.67
495,833,333.33
520,625,000.00
545,416,666.67
570,208,333.33
595,000,000.00
619,791,666.67
644,583,333.33
669,375,000.00
694,166,666.67
718,958,333.33
743,750,000.00
768,541,666.67
793,333,333.33
818,125,000.00
842,916,666.67
867,708,333.33
892,500,000.00
892,500,000.00
2,353,500,000.00
6,922,584,900.00
15,793,006,324.86
33,014,042,479.08
66,446,962,068.89
131,353,632,160.55
257,363,441,476.49
501,998,885,282.45
976,934,135,887.35
1,898,973,431,411.70
3,689,020,519,742.68
7,164,217,937,028.43
13,910,966,202,947.00
27,009,103,286,401.30
52,437,826,620,219.50
101,805,150,100,494.00
197,646,871,905,099.00
383,713,990,616,560.00
744,944,694,882,989.00
1,446,237,984,145,835.00
2,807,728,775,920,724.00
5,450,926,999,072,494.00
10,582,432,029,499,300.00
20,544,735,895,570,000.00
39,885,552,621,159,600.00
77,433,814,212,219,300.00
150,330,009,265,103,000.00
291,850,682,340,770,000.00
566,598,917,049,871,000.00
1,099,995,139,914,120,000.00
2,135,530,566,982,770,000.00
4,145,919,045,093,850,000.00
8,048,887,236,498,710,000.00
15,626,109,683,292,100,000.00
30,336,529,341,496,800,000.00
58,895,338,065,935,300,000.00
58,895,338,065,935,300,000.00
29,583,333.33
59,166,666.67
88,750,000.00
118,333,333.33
147,916,666.67
177,500,000.00
207,083,333.33
236,666,666.67
266,250,000.00
295,833,333.33
325,416,666.67
355,000,000.00
384,583,333.33
414,166,666.67
443,750,000.00
473,333,333.33
502,916,666.67
532,500,000.00
562,083,333.33
591,666,666.67
621,250,000.00
650,833,333.33
680,416,666.67
710,000,000.00
739,583,333.33
769,166,666.67
798,750,000.00
828,333,333.33
857,916,666.67
887,500,000.00
917,083,333.33
946,666,666.67
976,250,000.00
1,005,833,333.33
1,035,416,666.67
1,065,000,000.00
1,094,583,333.33
1,124,166,666.67
1,153,750,000.00
1,183,333,333.33
1,212,916,666.67
1,242,500,000.00
1,272,083,333.33
1,301,666,666.67
1,331,250,000.00
1,360,833,333.33
1,390,416,666.67
1,420,000,000.00
1,420,000,000.00
ebe pagar la compaa ENRECOL S.A.S al trmino de los 48 meses?
2,781,750,000.00
8,658,753,225.00
21,075,097,938.46
47,307,109,414.58
102,727,480,060.18
219,814,097,123.15
467,182,992,992.07
989,799,259,294.34
2,093,930,645,111.16
4,426,629,023,926.35
9,354,920,888,849.20
19,766,923,111,871.70
41,764,360,208,451.30
88,238,345,562,395.20
186,423,934,419,672.00
393,860,627,998,442.00
832,112,130,522,308.00
1,758,006,079,904,479.00
3,714,142,226,764,193.00
7,846,871,064,234,710.00
16,578,087,279,158,700.00
35,024,527,776,428,500.00
73,996,322,615,010,600.00
156,332,033,570,483,000.00
330,282,690,106,109,000.00
697,788,242,168,927,000.00
1,474,217,222,012,040,000.00
3,114,578,727,726,590,000.00
6,580,170,480,849,720,000.00
13,901,926,177,672,900,000.00
29,370,599,438,351,400,000.00
62,051,265,436,186,700,000.00
131,095,708,489,813,000,000.00
276,965,903,329,211,000,000.00
585,145,863,966,405,000,000.00
1,236,237,666,804,610,000,000.00
2,611,799,318,660,870,000,000.00
5,517,948,420,537,610,000,000.00
11,657,769,628,072,600,000,000.00
24,629,369,893,231,700,000,000.00
52,034,469,773,433,400,000,000.00
109,933,224,290,336,000,000,000.00
232,255,922,958,195,000,000,000.00
490,687,088,433,781,000,000,000.00
1,036,674,611,734,050,000,000,000.00
2,190,182,452,210,530,000,000,000.00
4,627,198,466,785,200,000,000,000.00
9,775,882,200,777,090,000,000,000.00
9,775,882,200,777,090,000,000,000.00
27,708,333.33
55,416,666.67
83,125,000.00
110,833,333.33
138,541,666.67
166,250,000.00
193,958,333.33
221,666,666.67
249,375,000.00
277,083,333.33
304,791,666.67
332,500,000.00
360,208,333.33
387,916,666.67
415,625,000.00
443,333,333.33
471,041,666.67
498,750,000.00
526,458,333.33
554,166,666.67
581,875,000.00
609,583,333.33
637,291,666.67
665,000,000.00
692,708,333.33
720,416,666.67
748,125,000.00
775,833,333.33
803,541,666.67
831,250,000.00
858,958,333.33
886,666,666.67
914,375,000.00
942,083,333.33
969,791,666.67
997,500,000.00
1,025,208,333.33
1,052,916,666.67
1,080,625,000.00
1,108,333,333.33
1,136,041,666.67
1,163,750,000.00
1,191,458,333.33
1,219,166,666.67
1,246,875,000.00
1,274,583,333.33
1,302,291,666.67
1,330,000,000.00
1,357,708,333.33
1,385,416,666.67
1,413,125,000.00
1,440,833,333.33
1,468,541,666.67
1,496,250,000.00
1,523,958,333.33
1,551,666,666.67
1,579,375,000.00
1,607,083,333.33
1,634,791,666.67
1,662,500,000.00
1,662,500,000.00
2,615,000,000.00
7,965,290,000.00
18,911,983,340.00
41,308,917,913.64
87,133,046,051.31
180,889,212,220.98
372,714,328,204.12
765,188,515,505.62
1,568,190,702,724.50
3,211,133,177,774.32
6,572,593,481,726.26
13,450,141,263,611.90
27,521,604,025,350.00
56,311,816,835,866.10
115,216,592,246,182.00
235,735,762,735,688.00
482,317,985,557,219.00
986,825,213,450,070.00
2,019,047,001,718,840.00
4,130,972,780,516,751.00
8,451,972,923,937,272.00
17,292,739,217,375,700.00
35,380,947,053,750,600.00
72,389,420,286,973,700.00
148,108,756,522,148,000.00
303,030,518,459,315,000.00
620,000,443,382,759,000.00
1,268,520,909,776,130,000.00
2,595,393,784,016,950,000.00
5,310,175,684,713,690,000.00
10,864,619,453,539,200,000.00
22,229,011,404,556,200,000.00
45,480,557,336,337,000,000.00
93,053,220,312,760,500,000.00
190,386,888,762,523,000,000.00
389,531,574,410,737,000,000.00
796,981,601,246,983,000,000.00
1,630,624,356,153,940,000,000.00
3,336,257,432,693,580,000,000.00
6,825,982,707,293,680,000,000.00
13,965,960,619,125,500,000,000.00
28,574,355,426,733,300,000,000.00
58,463,131,203,099,000,000,000.00
119,615,566,441,543,000,000,000.00
244,733,448,939,400,000,000,000.00
500,724,636,530,015,000,000,000.00
1,024,482,606,340,410,000,000,000.00
2,096,091,412,572,490,000,000,000.00
4,288,603,030,123,320,000,000,000.00
8,774,481,799,632,310,000,000,000.00
17,952,589,762,047,700,000,000,000.00
36,730,998,653,149,600,000,000,000.00
75,151,623,244,344,100,000,000,000.00
153,760,221,157,928,000,000,000,000.00
314,593,412,489,121,000,000,000,000.00
643,658,121,952,741,000,000,000,000.00
1,316,924,517,515,310,000,000,000,000.00
2,694,427,562,836,320,000,000,000,000.00
5,512,798,793,563,110,000,000,000,000.00
11,279,186,331,630,100,000,000,000,000.00
11,279,186,331,630,100,000,000,000,000.00
n total de 10 MW de potencia instalada, el capital requerido para realizar su
mpuesto.
ps://www.superfinanciera.gov.co/reportes/
TIEMPO DEL
PROPUESTA MONTO DEL TIPO DE TASA
CREDITO
DEL CREDITO CREDITO DE INTERES
(MESES)
A $ 2,500,000,000 12 SIMPLE
B $ 2,500,000,000 12 COMPUESTA
C $ 2,500,000,000 24 SIMPLE
D $ 2,500,000,000 24 COMPUESTA
E $ 2,500,000,000 36 SIMPLE
F $ 2,500,000,000 36 COMPUESTA
G $ 2,500,000,000 48 SIMPLE
H $ 2,500,000,000 48 COMPUESTA
I $ 2,500,000,000 60 SIMPLE
J $ 2,500,000,000 60 COMPUESTA
TASA DE
VALOR DE LOS INTERESES GENERADOS
INTERES %
12,5% anual $ 312,500,000

0,0104% mesual
12,5% EA $ 9,432,469,209,997
0,9864% mensual
13,7% anual $ 685,000,000
0,0114% mensual
13,7% EA $ 102,303,394,891,333,000
1,0757 mensual
11,9% anual $ 892,500,000
0,0099% mensual
11,9% EA $ 58,895,338,065,935,300,000
0.9414% mensual
14,2% anual $ 1,420,000,000
0.0118% mensual
14,2% EA $ 9,775,882,200,777,090,000,000,000
1,1127% mensual
13,3% anual $ 1,662,500,000
0,0111mesual
13,3% EA $ 11,279,186,331,630,100,000,000,000,000
1,0460% mensual
La compaa ENRECOL - energia renovable de colombia S.A.S. la cual se dedica a la explotacion y
comercializacion de energia a partir del eso de fuentes naturales, desea realizar un proyecto de inve
el cual consiste en la costruccion de un parque Eloico con 5 aerogeneradores para un total de 10 MW
potencia instalada, el capital requerido para realizar su proyecto de inversion es de $5.000.000.000 (c
mil millones de pesos). La compaia requiere para emprender su proyecto la suma de 2.500.000.000
mil quinientos millones de pesos), dado que dispone del capital restante para su proyecto. Dado lo a
la compaia desea una proyeccion de flujos de fondos en un horizonte de 5 aos proyectado ocho (8
escenarios posibles, de los cuales planea realizar una evaluacion financiera de su proyecto de inver
los escenarios planeados son los siguientes:
ESCENARIO 1
Informacin Ao 1 Ao 2 Ao 3 Ao 4
Aumenta en un Aumenta en un Aumenta en un

Produccin
$ 311,400 4,5% respecto 5% respecto del 5,5% respecto
unidades
del ao 1 ao 2 del ao 3

Precio
$ 6,900 1,5% respecto 2% respecto del 3% respecto del
unitario
del ao 1 ao 2 ao 3

Costo unitario $ 2,450 1,6% respecto 1,7% respecto 1,8% respecto
del ao 1 del ao 2 del ao 3
Costo fijo $ 550.000.000 $ 550.000.000 $ 550.000.000 $ 550.000.000
Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
31,50%
ESCENARIO 2

Produccin
$ 313,400 4,2% respecto 4,3% respecto 4,4% respecto
unidades

Precio
unitario

Costo fijo $ 550.000.000 1% respecto del 1,2% respecto 1,3% respecto
ao 1 del ao 2 del ao 3
Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
31,4%
ESCENARIO 3

Produccin
unidades

Precio
$ 7,250 2% respecto del 2,21% respecto 2,22% respecto
unitario


Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
30,6%
ESCENARIO 4

Produccin
unidades

Precio
unitario

Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
30%
ESCENARIO 5

Produccin
unidades

Precio
unitario


Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
29%
ESCENARIO 6

Produccin
unidades
Precio
unitario


Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
32%
ESCENARIO 7

Produccin
unidades

Precio
unitario


Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
32%
ESCENARIO 8
Produccin
unidades

Precio
$ 7,380 2% respecto 2,1% respecto 2,2% respecto
unitario

Costo unitario $ 2,850 1% respecto del 1,1% respecto 1,2% respecto

Valor residual
Inversin
$
2.500.000.000
Tasa de
descuento:
34%
e dedica a la explotacion y
realizar un proyecto de inversion
dores para un total de 10 MW de
sion es de $5.000.000.000 (cinco
to la suma de 2.500.000.000 (dos
para su proyecto. Dado lo anterior
e 5 aos proyectado ocho (8)
era de su proyecto de inversion;
Ao 5
Aumenta en un 7,5%
respecto del ao 4
Aumenta en un 5%
respecto del ao 4
Aumenta en un 1,8%
respecto del ao 4
$ 550.000.000
$ 9.750.000
Ao 5
Aumenta en un 4,5%
respecto del ao 4
Aumenta en un 2,5%
respecto del ao 4
Aumenta en un 1,4%
respecto del ao 4
Aumenta en un 1,4%
respecto del ao 4
$ 9.750.000
Ao 5
Aumenta en un 4,8%
respecto del ao 4
Aumenta en un 2,23%
respecto del ao 4
Aumenta en un 1,27%
respecto del ao 4
Aumenta en un 1,18%
respecto del ao 4
$ 9.750.000
Ao 5
Aumenta en un 3,4%
respecto del ao 4
Aumenta en un 2,5%
respecto del ao 4
Aumenta en un 1,27%
respecto del ao 4
Aumenta en un 1,3%
respecto del ao 4
$ 9.750.000
Ao 5
Aumenta en un 2,8%
respecto del ao 4
Aumenta en un 2,6%
respecto del ao 4
Aumenta en un 1,8%
respecto del ao 4
Aumenta en un 1,3%
respecto del ao 4
$ 9.750.000
Ao 5
Aumenta en un 3,6%
respecto del ao 4
Aumenta en un 2,8%
respecto del ao 4
Aumenta en un 1,47%
respecto del ao 4
Aumenta en un 1,17%
respecto del ao 4
$ 10.700.000
Ao 5
Aumenta en un 3,6%
respecto del ao 4
Aumenta en un 2,8%
respecto del ao 4
Aumenta en un 1,47%
respecto del ao 4
Aumenta en un 1,17%
respecto del ao 4
$ 10.700.000
Ao 5
Aumenta en un 3,6%
respecto del ao 4
Aumenta en un 2,3%
respecto del ao 4
Aumenta en un 1,3%
respecto del ao 4
Aumenta en un 1,17%
respecto del ao 4
$ 10.700.000
TABLA DE EVALUACION DE PROYECTO
ESCENARIO INVERSION FLUJOS NETOS AO 1 AL 5
AO 1 AO 2 AO 3
1 $ 2,500,000,000 $ 835,730,000 $ 919,011,905 $ 1,025,863,308
2 $ 2,500,000,000 $ 873,044,200 $ 969,459,744 $ 1,072,711,720
3 $ 2,500,000,000 $ 879,456,000 $ 977,772,196 $ 1,088,295,578
4 $ 2,500,000,000 $ 870,722,500 $ 948,979,568 $ 1,036,495,333
5 $ 2,500,000,000 $ 889,209,100 $ 951,801,982 $ 1,023,090,560
6 $ 2,500,000,000 $ 969,570,000 $ 1,045,912,125 $ 1,120,667,433
7 $ 2,500,000,000 $ 965,331,200 $ 1,047,405,134 $ 1,141,872,016
8 $ 2,500,000,000 $ 965,268,000 $ 1,046,495,098 $ 1,136,570,553
ACION DE PROYECTOS DE INVERSION
RELACION TASA DE
ETOS AO 1 AL 5 VPN TIR B/C DESCUENTO
AO 4 AO 5
$ 1,173,362,482 $ 1,379,279,122 - 138,693,163 28.77% 0.94 31.50%
$ 1,189,141,402 $ 1,327,467,540 - 61,983,515 30.17% 0.98 31.40%
$ 1,208,304,593 $ 1,348,464,383 $ 5,469,919 30.71% 1 30.60%
$ 1,133,211,684 $ 1,249,834,622 - 63,582,974 28.75% 0.97 30.00%
$ 1,104,135,810 $ 1,205,925,782 - 25,846,232 28.49% 0.99 29.00%
$ 1,204,326,002 $ 1,305,901,312 $ 93,202,244 32.86% 1.04 32.00%
$ 1,251,456,095 $ 1,388,941,228 $ 87,712,201 33.75% 1.04 32.00%
$ 1,237,401,785 $ 1,360,992,267 - 25,666,812 33.47% 0.99 34.00%
RECOMENDACIONES
Se recomienda utilizar un inetres simple siendo la opcion E la mas apropiada ya que da un

plazo razonable y mejor valor de los intereses, siendo la J la menos indicada de inetres
compuesto por que los inetreses generados son muy altos. En cuanto al flujo de fondos la
mejor opcion seria la 6 ya que la tasa de ineteres se encuentra en el rango promedio y las
condiciones de credito garantizan que el proyecto sea fructifero igualmente refleja menor
valor presente neto de la inversin y la tasa interna de retorno supera considerablemente
la tasa de descuento que se pacta en el crdito
El mas recomendado es el 6 pues arroja un VPN positivo y de mayor cuanta que el resto de
los escenarios planteados, y mejor rentabilidad muestra, El Indicador VPN lo que hace es
traer al presente los flujos futuros del proyecto menos la inversin inicial, y neteando los
ingresos con los egresos deja percibir cual inversin generara ms ingresos de lo que pide
como costos o egresos.
Se recomienda la opccion 7, este escenario muestra una tasa interna de retorno mayor a la
tasa de descuento por la cual fue pactado el crdito, es decir que el proyecto de inversin
genera una rentabilidad mayor a los costos, devuelve el capital invertido ms un porcentaje
de ganancia, y el costo de inters en el que se acarrea por la financiacin es menor que la
rentabilidad generada por el proyecto, por lo que el proyecto se puede financiar con las
ganancias obtenidas por el mismo.
Apesae de que la 6 y 7 tienen una relacion B/C igual del 1,04 la mas favorable es la opcion
7 ya que el TIR es mas alto pues este indicador deja percibir que con los beneficios se cubre
el cien por ciento de los costos y queda un seis por ciento de beneficio adicional, el
indicador que arroja el proyecto de inversin es positivo y mayor que 1, por lo que se
puede percibir fcilmente la viabilidad del proyecto
El primer escenario, es aquel escenario donde los beneficios no son suficientes para
solventar los costos acarreados de la inversin, arroja un dato del 0.94 que refleja que solo
el 94% de los costos pueden ser cubiertos por los beneficios o ingresos proyectados para
dicha inversin, por lo cual el proyecto no es viable como alternativa de inversin, pues se
estara comprometiendo el capital invertido.
CONCLUSIONES
Determinar el tipo de tasa de interes ya sea simple o cumpuesta en un negocio financiero,

cambia radicalmente las situaciones y formas de pagom, por lo que todas las variables,
como periodo, tasa de interes, perido productivo del proyecto de inversion, deben ser
analizadas y consideradas para una buena liquidez y un excelente cumplimiento con la
entidad financiera.
La aplicacin de los indicadores financieros como la tasa interna de retorno TIR, el valor
presente neto VPN o la relacin beneficio costo (B/C), en conjunto pueden brindar
herramientas de anlisis financiero muy valiosas para la toma de decisiones de una
compaa, y sobre todo para prever el beneficio o costo que determinados proyectos
puedan tener, son herramientas que normalmente y en el ejercicio y funcionamiento de las
empresas pasamos por alto, pero que deberan tener un uso y propagacin adecuados
para garantizar el xito de las inversiones y decisiones financieras que tomamos, tal como
se visualiz en el ejercicio desarrollado.
REFERENCIAS BIBLIOGRAFICAS
Recuperado de http://bibliotecavirtual.unad.edu.co:2048/login?
user=proveedor&pass=danue0a0&url=http://bibliotecavirtual.unad.edu.co:2051/login.aspx?
direct=true&db=nlebk&AN=710226&lang=es&site=eds-li
Recuperado de. Meza, J (2010). Evaluacin financiera de proyectos. Bogot : Ecoe ediciones, Recuperado de: http://bibl

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EVALUACION FINAL

EDNA LIZETH GUTIERREZ

UNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA UNAD

este trabajo nos permite profundizar en los conocimeintos basicos de matematica

Actividades a desarrollar de forma individual:

PERIODO SALDO INICIAL

PERIODO SALDO INICIAL

PERIODO SALDO INICIAL

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PERIODO SALDO INICIAL

PERIODO SALDO INICIAL

uesto que den respuesta a los siguientes interrogantes;

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

INTERESES SALDO FINAL

e pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?

be pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?

e pagar la compaa ENRECOL S.A.S al trmino de los 24 meses?

be pagar la compaa ENRECOL S.A.S al trmino de los 24 meses?

e pagar la compaa ENRECOL S.A.S al trmino de los 36 meses?

be pagar la compaa ENRECOL S.A.S al trmino de los 36 meses?

ebe pagar la compaa ENRECOL S.A.S al trmino de los 48 meses?

e pagar la compaa ENRECOL S.A.S al trmino de los 60 meses?

be pagar la compaa ENRECOL S.A.S al trmino de los 60 meses?

12,5% anual $ 312,500,000

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Costo fijo $ 550.000.000 $ 550.000.000 $ 550.000.000 $ 550.000.000

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un

Aumenta en un Aumenta en un Aumenta en un