INGENIERIA DE PROYECTOS - EVALUACION

PROBLEMA 1:

COTIZACION DEL DLAR (S/.) =

2.75

Cuadro 1: VALORIZACION EN TERRENO

ITEM
Terreno

Area (m2)
87.5
87.5

S./m2
412.5

Area (m2)

S./m2

19.6344
4
6.9282
131.9374

S/. 233.75
S/. 137.50
S/. 165.00
S/. 27.50

Cuadro 2: VALORIZACIONES EN OBRAS FISICAS

ITEM
- Laboratorio de control de calidad
- Servicios higienicos
Almacen
Area Verde

162.5000
Cuadro 3: VALORIZACION DE MAQUINAS Y EQUIPOS
Maquina O Equipo

Biorreactor 1 m3 acero inoxidable

Centrfuga Industrial
TOTAL

(2)

(1)

Cantidad

Valor De
Adquisicion
Unitario (S./)

S/. 16,500.00

S/. 6,875.00

Cuadro 4: VALORIZACION EN IMPLEMENTACION DE LABORATORIO

Materiales

cantidad

Espectrofotmetro XR-1215
Materiales de Laboratorio
TOTAL

Valor de
adquisicin
unitario ($)
S/. 1,781,155.19
S/. 263,874.84

1
1

VALORIZACION DE MUEBLES Y EQUIPOS DE OFICINA

Cuadro 5: VALORIZACION DE MUEBLES Y EQUIPOS DE OFICINA
Muebles y otros

cantidad

Computadoras P-V
Escritorios Gerenciales
TOTAL

Valor de
adquisicin
unitario (S/.)
S/. 4,400.00
S/. 495.00

3
2

VALORIZACION DE INSTALACION DE SERVICIOS

Cudro 6: VALORIZACION DE INSTALACION DE SERVICIOS
ITEM

COSTO POR ITEM (S./)

COSTO POR ITEM

($)
S/. 330.00
$120.00
S/. 247.50
$90.00
S/. 233.75
$85.00

Energa Elctrica
Lnea Telefnica
Agua - Desague
TOTAL

VALORIZACION DE LA CONSTITUCIN DE LA EMPRESA

Cuadro 7: VALORIZACION DE LA CONSTITUCIN DE LA EMPRESA
ITEM

Constitucin de Empresa
Patente Tecnolgico
Registro de Marca
ISO 9000
TOTAL

COSTO POR ITEM (S./)

COSTO POR ITEM

($)

S/. 893.75
S/. 19,250.00

$325.00
$7,000.00

S/. 1,705.00
S/. 55,000.00

$620.00
$20,000.00

VALORIZACION DE PUESTA EN MARCHA

Cuadro 8: VALORIZACION DE PUESTA EN MARCHA
ITEM

UNIDAD

CANTIDAD

Puesta en Marcha
TOTAL

VALORIZACION EN MATERIA PRIMA E INSUMOS

Cuadro 9: VALORIZACION EN MATERIA PRIMA E INSUMOS
COSTO ($)
ITEM

MENSUAL

Materia Prima Directa

Agua potable

1 CICLO

$23,400.00

$3,900.00

$135.00

$22.50

VALORIZACION DE RECURSOS HUMANOS

Cuadro 10: VALORIZACION DE RECURSOS HUMANOS
cant
Mano de obra directa
Obreros
Mano de obra indirecta
Ingeniero Qumico
Personal administrativo
TOTAL

Pago mensual por

persona
$150.00
$450.00

1
1

$1,600.00
$250.00
$2,300.00

Costo mensual $
$90.00

ANUAL
$1,080.00

Cuadro 11: OTROS GASTOS DE SERVICIOS

ITEM
Energia Electrica

Telefono
Mantenimiento
TOTAL

$100.00
$1,000.00

$1,200.00
$12,000.00
$14,280.00

Cuadro 12: VALORIZACIN EN GASTOS DE VENTA

ITEM
Publicidad
gastos ventas
TOTAL

mensual $
$300.00
$200.00
$500.00

ANUAL
$3,600.00
$2,400.00
$6,000.00

Cuadro 13: PLAN DE INVERSIONES DEL PROYECTO (ANUAL)

CONCEPTO
Inversion fija
Tangibles
Terreno
Obras fisicas
Maquinas y Equipos
Imp. Laboratorio
Muebles de Oficina
Instalaciones
Intangibles
Constitucin de la Empresa
Puesta en marcha
Inversion fija total
Capital de trabajo
Costos de fabricacin
Costos directos
Materia prima directa
Mano de obra directa

VALOR ($)

TOTAL ($)

$59,308.99
$13,125.00
$16,728.99
$8,500.00
$15,500.00
$5,160.00
$295.00
$28,070.00
$27,945.00
$125.00
$87,378.99

$286,200.00
$280,800.00
$5,400.00
$20,820.00

Costos indirectos
Mano de obra indirecta
Insumos (AGUA POTABLE)
Total costos de fabricacin
Gastos administrativos
Personal administrativo
Gastos de servicios
Gastos de ventas
Inversion capital de trabajo total

$19,200.00
$1,620.00
$307,020.00
$17,280.00
$3,000.00
$14,280.00
$6,000.00

$6,000.00
$23,280.00

Inversion total

$417,678.99

Cuadro 14: RESUMEN DE PLAN DE INVERSION

RUBROS
Activos fijos
Capital de trabajo
TOTAL
Porcentaje (%)

TOTAL
$394,398.99
$23,280.00
$417,678.99
100.00%

APORTE PROPIO
$0.00
$330,300.00
$330,300.00
79.08%

FLUJO DE CAJA PROYECTADO

FLUJO DE CAJA ECONOMICO
PERIODO
INGRESOS
SALDO INICIAL
COSTOS DE OPERACIN
COSTOS FIJOS POR VENTAS
IMPUESTO A LA RENTA 30%
RECUPERO
FLUJO DE CAJA ECONOMICO

FLUJO DE FINANCIAMIENTO NETO

PERIODO
PRESTAMO
AMORTIZACION E INTERESES
*Amortizacion + INTERESES
FINANCIAMIENTO NETO

488598
0

1
$488,579.00

-$330,300.00
-$307,020.00
-$23,280.00
-$47,483.70
-$330,300.00

$110,795.30

0
$87,378.99

$87,378.99

FLUJO DE CAJA FINANCIERO DEL PROYECTO

PERIDO
0
FLUJO DE CAJA ECONOMICO
-$330,300.00
FINANCIAMIENTO NETO
$87,378.99
FLUJO DE CAJA FINANCIERO
-$242,921.01

-$102,739.08
-$102,739.08

1
$110,795.30
-$102,739.08
$8,056.22

DETERMINACIN DEL PRECIO DE VENTA

Cuadro 17: PRECIO DE VENTA
1. Costos de fabricacin
1.1. Costo primo
Mano de obra directa
Materiales directos

TOTALES
$286,200.00
$5,400.00
$280,800.00

1.2. gastos de fabricacin

Servicios
mano de obra indirecta
depreciacin
insumos (AGUA POTABLE)
2. Gastos administrativos
2.1. Personal administrativo

$36,040.00
$14,280.00
$19,200.00
940.00
$1,620.00

$322,240.00
$3,000.00

$3,000.00

3. Gastos de venta y distribucin

$6,000.00

Publicidad
Gastos de venta

$3,600.00
$2,400.00

Costo total
Produccin anual
Costo por unidad
3. IGV
4. Utilidad 25 %
Precio de venta $/unidad.

$331,240.00
6600
$50.19
$59.22
$14.81
$74.03

ESTADO DE PERDIDAS Y GANACIAS SIN FINANCIAMIENTO

PERIODO
INGRESOS POR VENTAS
COSTOS DE VENTA
COSTOS DE FAB. PROD. VENDIDOS
GASTOS ADMINISTRATIVOS
UTILIDAD DE OPERACIN
IMPUESTOS A LA RENTA 30%

UTILIDAD NETA

2
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
$47,483.70
$110,795.30

$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
$47,483.70
$110,795.30

ESTADO DE PERDIDADES Y GANANCIAS CON FINANCIAMEINTO

PERIODO
1
INGRESOS
$488,579.00
COSTOS DE VENTA
$6,000.00
COSTOS DE FAB. PROD. VENDIDOS
$307,020.00
GASTOS ADMINISTRATIVOS
$17,280.00
UTILIDAD DE OPERACIN
$158,279.00
GASTOS FINANCIEROS
-$102,739.08
RENTA NETA
$55,539.92
IMPUESTO A LA RENTA (30%)
$16,661.98
$38,877.94
UTILIDAD NETA

BALANCE GENERAL
PERIODO
ACTIVO
CORRIENTE
Caja
Cuentas por cobrar
Inventarios
Productos Terminados
Productos en proceso
Materia Prima
FIJO
Terrenos
Obras Fisicas
Maquinaria y Equipos
Depreciacin acumulada
Materiales de Laboratorio
Oficina
PASIVO
CORRIENTE
Cuentas por pagar

2
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
-$102,739.08
$55,539.92
$16,661.98
$38,877.94

$8,056.22

$8,500.00
$940.00
$15,500.00
$5,160.00

$102,739.08

$8,056.22

$940.00

$102,739.08

DEUDA LARGO PLAZO

PATRIMONIO
Capital
Utilidades retenidas acumuladas
Excedentes

-$284,688.91

-$33,711.68

S - EVALUACION ECONOMICA

$/m2
$150.00

Sub Total ($)

$/m2

Total ($)

$85.00
$50.00
$60.00
$10.00

$1,668.92
$200.00
$415.69
$1,319.37
$16,728.99

$13,125.00
$13,125.00

Valor De
Valor De Adquisicion Total
Adquis Unitario
($)

Tiempo De Vida Util

$6,000.00

$6,000.00

10

$2,500.00

$2,500.00

$8,500.00

Valor de
adquisicin
total ($)
$13,500.00
$2,000.00
$15,500.00

Valor de
adquis.
unitario ($)
$1,600.00
$180.00

COSTO TOTAL
($)
$120.00
$90.00
$85.00
$295.00

COSTO TOTAL
($)
$325.00
$7,000.00
$620.00
$20,000.00
$27,945.00

Valor de adquisicin total

($)
$4,800.00
$360.00
$5,160.00

COSTO
UNIDAD (s./)

COSTO POR UNIDAD ($)

COSTO TOTAL ($)

343.75

$125.00

$125.00
$125.00

ANUAL

$280,800.00
$1,620.00

ANUAL

$5,400.00
$19,200.00
$3,000.00
$27,600.00

Est. Financiamiento
Propio

% Propio
0.0314
0.0401
0.0204
0.0371
0.0124
0.0007
0.0000
0.0669
0.0003
0.0000
0.0000
0.0000
0.0000
0.6723
0.0129
0.0000
0.0000
0.0460
0.0039
0.0000
0.0000
0.0072
0.0342
0.0144
100.0000%

% Deuda

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

3.14237%
4.00523%
2.03506%
3.71098%
1.23540%
0.07063%

$0.00
$0.00

6.69054%
0.02993%

$280,800.00
$5,400.00

0.00000%
0.00000%

$19,200.00
$1,620.00

0.00000%
0.00000%

$3,000.00
$14,280.00
$6,000.00

0.00000%
0.00000%
0.00000%

$330,300.00

FINANCIADO
$87,378.99
$0.00
$87,378.99
20.92%

2
$488,579.00

3
$488,579.00

-$307,020.00
-$23,280.00

-$307,020.00
-$23,280.00

4
$488,579.00
$0.00
-$307,020.00
-$23,280.00

-$47,483.70

-$47,483.70

-$47,483.70

$110,795.30

$110,795.30

$110,795.30

$0.00
$0.00

$0.00
$0.00

$0.00
$0.00

2
$110,795.30
$0.00
$110,795.30

3
$110,795.30
$0.00
$110,795.30

4
$110,795.30
$0.00
$110,795.30

PRECIO DE VENTA
MTODO MARK UP
Precio v. $/unidad

$66.92

relacin CV/CF

3
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
$47,483.70
$110,795.30

$3.69

5
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
$47,483.70
$110,795.30

$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
$47,483.70
$110,795.30

3
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
-$102,739.08
$55,539.92
$16,661.98
$38,877.94

5
$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
-$102,739.08
$55,539.92
$16,661.98
$38,877.94

$488,579.00
$6,000.00
$307,020.00
$17,280.00
$158,279.00
-$102,739.08
$55,539.92
$16,661.98
$38,877.94

$8,056.22

$8,056.22

$8,056.22

$940.00

$940.00

$940.00

$102,739.08

$102,739.08

$102,739.08

$69,027.40

$69,027.40

$77,765.30

Valor Residual

(**) SE UTILIZARA EL METODO DE LINEA RECTA: DEP = VT

Depreciacin
(anual)

Depreciacion (mensual)

$600.00

$540.00

$45.00

$500.00

$400.00
$940.00

$33.33
78.33

$1,100.00

Deuda

$13,125.00
$16,728.99
$8,500.00
$15,500.00
$5,160.00
$295.00
$27,945.00
$125.00

$0.00
$0.00

$0.00
$0.00

$0.00
$0.00
$0.00

$87,378.99

5
$488,579.00
$0.00
-$307,020.00
-$23,280.00
-$47,483.70
$3,800.00
$114,595.30

$0.00
$0.00

5
$114,595.30
$0.00
$114,595.30

$8,056.22

$940.00

$102,739.08

$105,857.40

ODO DE LINEA RECTA: DEP = VT VR / VU

Depreciacin (ANUAL)
$540.00
$400.00
$940.00

$5,680.00

ref. CAJA MUNICPAL HUANCAYO

N
Consumo - Crditos Personales
Monto Solicitado
Moneda
T.E.A.(%)

Fecha Pago
0

87379.00

Dlares

34.49

39.60

12

Cuota a Pagar (cuota

aprob)

8561.08

Total Intereses a Pagar

15119.64

5.04

102733.44

35.08

10

T. Inters
Anual

Moratoria

Nmero de Cuotas

Total I.T.F.
Total a Pagar(Inc. ITF)
Tasa Costo Efectivo
Anual

11
12

Saldo Capital

Capital

Inters

Seg. Desg.(*)

Seg. y
Com.(**)

87,379.00

Tot. Cuota

I.T.F.

-87,379.00

81,036.01

6,342.99

2,184.47

33.20

0.00

8,560.66

0.42

74,601.46

6,434.54

2,094.30

31.82

0.00

8,560.66

0.42

67,998.09

6,603.37

1,928.00

29.29

0.00

8,560.66

0.42

61,163.22

6,834.87

1,699.95

25.84

0.00

8,560.66

0.42

54,207.27

6,955.94

1,580.70

24.02

0.00

8,560.66

0.42

47,022.39

7,184.88

1,355.18

20.60

0.00

8,560.66

0.42

39,695.44

7,326.95

1,215.25

18.46

0.00

8,560.66

0.42

32,176.25

7,519.18

1,025.89

15.59

0.00

8,560.66

0.42

24,404.68

7,771.57

777.27

11.82

0.00

8,560.66

0.42

16,484.31

7,920.37

630.71

9.58

0.00

8,560.66

0.42

8,342.01
0.00

8,142.29
8,342.05
87,379.00

412.11
215.81
15,119.64

6.26
3.28
229.76

0.00
0.00
0.00

8,560.66
8,561.14

0.42
0.42
5.04

Tot. Cuo +
ITF

8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.08
8,561.56
102,733.44

$ 102,739.08

ref. CAJA MUNICPAL HUANCAYO

Consumo - Crditos Personales

Monto Solicitado
Moneda
T.E.A.(%)
T. Inters Moratoria Anual
Nmero de Cuotas
Cuota a Pagar (cuota aprob)
Total Intereses a Pagar
Total I.T.F.
Total a Pagar(Inc. ITF)
Tasa Costo Efectivo Anual

87379.00
Dlares
34.49
39.60
24
4929.4
30458.29
5.76
118305.93
35.13

11
12
13
14
15
16
17
18
19
20
21
22
23
24

Fecha Pago Saldo Capital

87,379.00

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

84,667.51
81,959.75
79,180.94
76,261.39
73,333.08
70,265.12
67,179.48
64,012.89
60,653.58
57,315.77
53,841.28
50,324.74
46,672.82
42,968.20
39,166.38
35,231.26
31,226.45
27,089.82
22,871.41
18,542.32
14,052.04
9,491.56
4,803.30
0.00

Capital

Inters

Seg. Desg.(*)

Seg. y
Com.(**)

Tot. Cuota
-87,379.00

2,711.49
2,707.76
2,778.81
2,919.55
2,928.31
3,067.96
3,085.64
3,166.59
3,359.31
3,337.81
3,474.49
3,516.55
3,651.92
3,704.62
3,801.82
3,935.12
4,004.81
4,136.63
4,218.41
4,329.09
4,490.28
4,560.48
4,688.26
4,803.29
87,379.00

2,184.47
2,188.15
2,118.17
1,979.52
1,970.90
1,833.33
1,815.93
1,736.19
1,546.34
1,567.53
1,432.89
1,391.47
1,258.12
1,206.21
1,110.47
979.16
910.52
780.66
700.11
591.09
432.30
363.16
237.29
124.31
30,458.29

33.20
33.25
32.18
30.09
29.95
27.87
27.59
26.38
23.51
23.82
21.78
21.14
19.12
18.33
16.87
14.88
13.83
11.87
10.64
8.98
6.58
5.52
3.61
1.89
462.88

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.16
4,929.49

Tot. Cuo +
ITF

I.T.F.

0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
0.24
5.76

4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40 $ 59,152.80
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.40
4,929.73
118,305.93

ref. CAJA MUNICPAL HUANCAYO

N
0
1
2
3
4
5
6
7
8
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

Saldo Capital
87,379.00
85,841.73
84,339.00
82,796.84
81,143.29
79,517.28
77,780.50
76,066.26
74,307.06
72,374.43
70,518.37
68,553.19
66,596.87
64,532.16
62,470.34
60,354.41
58,131.27
55,901.51
53,565.36
51,215.79
48,804.58
46,204.79
43,662.11
41,015.32
38,336.49
35,554.54
32,732.43
29,836.29
26,838.60
23,787.83
20,636.63
17,423.13
14,125.31
10,704.71
7,230.62
3,659.21
0.00

Consumo - Crditos Personales

Monto Solicitado
Moneda
T.E.A.(%)
T. Inters Moratoria Anual
Nmero de Cuotas
Cuota a Pagar (cuota aprob)
Total Intereses a Pagar
Total I.T.F.
Total a Pagar(Inc. ITF)
Tasa Costo Efectivo Anual

87379
Dlares
34.49
39.60
36
3755.12
47083.7
6.48
135184.71
35.15

Capital

Inters

Seg.
Desg.(*)

Seg. y
Com.(**)

1,537.27
1,502.74
1,542.16
1,653.56
1,626.01
1,736.79
1,714.24
1,759.21
1,932.63
1,856.07
1,965.18
1,956.33
2,064.71
2,061.83
2,115.93
2,223.15
2,229.76
2,336.16
2,349.57
2,411.21
2,599.80
2,542.68
2,646.80
2,678.83
2,781.96
2,822.11
2,896.15
2,997.69
3,050.78
3,151.20
3,213.51
3,297.82
3,420.61
3,474.09
3,571.42
3,659.04

2,184.47
2,218.49
2,179.66
2,069.92
2,097.07
1,987.93
2,010.16
1,965.86
1,795.01
1,870.45
1,762.96
1,771.69
1,664.92
1,667.77
1,614.48
1,508.86
1,502.35
1,397.54
1,384.34
1,323.62
1,137.83
1,194.12
1,091.55
1,060.00
958.41
918.87
845.94
745.91
693.62
594.70
533.33
450.28
329.32
276.65
180.77
94.85

33.20
33.71
33.12
31.46
31.86
30.22
30.54
29.87
27.30
28.42
26.80
26.92
25.31
25.34
24.53
22.93
22.83
21.24
21.03
20.11
17.31
18.14
16.59
16.11
14.57
13.96
12.85
11.34
10.54
9.04
8.10
6.84
5.01
4.20
2.75
1.44

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

87,379.00

47,083.70

715.53

0.00

Tot. Cuota
-87,379.00
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,754.94
3,755.33

I.T.F.

Tot. Cuo +
ITF

0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.18

3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.12
3,755.51

6.48

135,184.7
1

$ 45,061.44

ref. CAJA MUNICPAL HUANCAYO

Consumo - Crditos Personales

Monto Solicitado
Moneda
T.E.A.(%)
T. Inters Moratoria Anual
Nmero de Cuotas
Cuota a Pagar (cuota aprob)
Total Intereses a Pagar
Total I.T.F.
Total a Pagar(Inc. ITF)
Tasa Costo Efectivo Anual

87379.00
Dlares
34.49
39.60
48
3194.19
64948.39
7.2
153321.6
35.16

Fecha Pago Saldo Capital

Capital

Inters

Seg. Desg.(*)

87,379.00

86,402.63

976.37

2,184.47

33.20

2
3
4
5
6
7
8
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

85,475.52
84,524.07
83,475.26
82,471.34
81,370.43
80,311.28
79,224.36
77,973.22
76,824.95
75,580.72
74,369.68
73,063.14
71,786.04
70,475.43
69,070.06
67,688.20
66,212.08
64,755.24
63,260.17
61,563.43
59,984.61
58,312.99
56,648.89
54,892.61
53,138.77
51,338.93
49,447.87
47,551.19
45,564.00
43,565.41
41,514.40
39,302.95
37,140.10

927.12
951.45
1,048.82
1,003.92
1,100.92
1,059.15
1,086.93
1,251.14
1,148.28
1,244.23
1,211.05
1,306.54
1,277.11
1,310.61
1,405.37
1,381.87
1,476.12
1,456.85
1,495.07
1,696.75
1,578.82
1,671.63
1,664.10
1,756.29
1,753.84
1,799.85
1,891.06
1,896.69
1,987.19
1,998.59
2,051.02
2,211.45
2,162.86

2,232.99
2,209.03
2,113.10
2,157.34
2,061.78
2,102.94
2,075.57
1,913.80
2,015.14
1,920.62
1,953.31
1,859.24
1,888.24
1,855.24
1,761.89
1,785.05
1,692.20
1,711.19
1,673.54
1,474.85
1,591.05
1,499.62
1,507.04
1,416.22
1,418.65
1,373.32
1,283.47
1,277.93
1,188.78
1,177.56
1,125.91
967.87
1,015.75

33.93
33.56
32.12
32.78
31.34
31.95
31.54
29.10
30.62
29.19
29.68
28.26
28.69
28.19
26.78
27.12
25.72
26.00
25.43
22.44
24.17
22.79
22.90
21.53
21.55
20.87
19.51
19.42
18.07
17.89
17.11
14.72
15.43

35
36
37
38
39
40
41
42
43
44
45
46
47
48

34,888.67
32,610.00
30,243.60
27,843.07
25,379.54
22,829.64
20,234.57
17,554.09
14,820.61
12,015.42
9,105.77
6,150.64
3,112.72
0.00

2,251.43
2,278.68
2,366.40
2,400.54
2,463.53
2,549.91
2,595.07
2,680.49
2,733.48
2,805.20
2,909.65
2,955.13
3,037.93
3,112.50
87,379.00

928.50
901.66
815.25
781.62
719.58
634.49
590.01
505.86
453.67
383.02
280.13
235.33
153.77
80.80
64,948.39

14.11
13.70
12.39
11.88
10.93
9.64
8.96
7.69
6.89
5.82
4.26
3.58
2.34
1.22
987.01

Seg. y
Com.(**)

Tot. Cuota

Tot. Cuo +
ITF

I.T.F.

-87,379.00
0.00

3,194.04

0.15

3,194.19

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04

0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15

3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19 $ 38,330.28
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.04
3,194.52

0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
0.15
7.20

3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.19
3,194.67
153,321.60

ref. CAJA MUNICPAL HUANCAYO

N
0
Consumo - Crditos Personales
Monto Solicitado
Moneda
T.E.A.(%)
T. Inters Moratoria Anual
Nmero de Cuotas
Cuota a Pagar (cuota aprob)
Total Intereses a Pagar
Total I.T.F.
Total a Pagar(Inc. ITF)
Tasa Costo Efectivo Anual

1
87379.00
Dlares
34.49
39.60
60
2877.42
83982.28
8.4
172645.93
35.14

2
3
4
5
6
7
8
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
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Fecha Pago Saldo Capital

Capital

Inters

Seg. Desg.(*)

Seg. y
Com.(**)

87,379.00

Tot. Cuota
-87,379.00

86,719.39

659.61

2,184.47

33.20

0.00

2,877.28

86,117.34
85,499.50
84,792.20
84,139.59
83,397.78
82,708.58
82,001.30
81,135.02
80,386.45
79,549.38
78,759.22
77,880.85
77,046.90
76,191.07
75,247.52
74,344.50
73,354.08
72,401.36
71,423.65
70,236.88
69,202.38
68,081.46
66,990.41
65,813.35
64,662.79
63,482.05
62,215.95
60,971.01
59,641.18
58,328.69
56,981.76
55,453.17
54,030.79
52,524.81
51,025.60
49,443.35

602.05
617.84
707.30
652.61
741.82
689.20
707.28
866.28
748.57
837.07
790.16
878.37
833.95
855.83
943.55
903.03
990.42
952.72
977.71
1,186.77
1,034.50
1,120.92
1,091.05
1,177.06
1,150.56
1,180.74
1,266.11
1,244.94
1,329.83
1,312.49
1,346.93
1,528.59
1,422.38
1,505.98
1,499.21
1,582.25

2,241.18
2,225.62
2,137.49
2,191.37
2,103.49
2,155.33
2,137.52
1,980.88
2,096.85
2,009.66
2,055.88
1,968.98
2,012.75
1,991.20
1,904.78
1,944.70
1,858.61
1,895.76
1,871.14
1,665.18
1,815.20
1,730.06
1,759.50
1,674.76
1,700.88
1,671.15
1,587.05
1,607.91
1,524.28
1,541.37
1,507.45
1,328.48
1,433.13
1,350.77
1,357.45
1,275.64

34.05
33.82
32.49
33.30
31.97
32.75
32.48
30.12
31.86
30.55
31.24
29.93
30.58
30.25
28.95
29.55
28.25
28.80
28.43
25.33
27.58
26.30
26.73
25.46
25.84
25.39
24.12
24.43
23.17
23.42
22.90
20.21
21.77
20.53
20.62
19.39

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28

47,863.29
46,241.79
44,538.12
42,829.37
41,039.10
39,238.54
37,390.75
35,398.46
33,449.92
31,421.60
29,368.72
27,236.82
25,074.15
22,854.74
20,557.51
18,219.59
15,804.72
13,342.11
10,814.88
8,202.82
5,540.75
2,804.10
0.00

1,580.06
1,621.51
1,703.67
1,708.75
1,790.27
1,800.56
1,847.79
1,992.29
1,948.54
2,028.32
2,052.88
2,131.90
2,162.68
2,219.41
2,297.23
2,337.92
2,414.87
2,462.61
2,527.23
2,612.06
2,662.07
2,736.65
2,804.05
87,379.00

1,277.81
1,236.98
1,156.04
1,151.04
1,070.73
1,060.61
1,014.08
871.73
914.84
836.25
812.06
734.22
703.91
648.02
571.37
531.29
455.49
408.46
344.81
261.25
211.99
138.52
72.86
83,982.28

19.41
18.79
17.57
17.49
16.28
16.11
15.41
13.26
13.90
12.71
12.34
11.16
10.69
9.85
8.68
8.07
6.92
6.21
5.24
3.97
3.22
2.11
1.10
1,276.25

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,877.28
2,878.01

Tot. Cuo +
ITF

I.T.F.

0.14

2,877.42

0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14

2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42

34525.68

0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
0.14
8.40

2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,877.42
2,878.15
172,645.93

EVALUACIN ECONMICA Y FINANCIERA

VALOR ACTUAL NETO ECONOMICO (VANE)
94,609.92
FLUJO
FACTOR DE
FLUJO DE FONDOS
ECONOMICO ACTUALIZACION
ACTUALIZADOS
PROYECTADA
20% ANUAL
-$ 330,300.00
1
-$ 330,300.00
$ 110,795.30
0.833333333
$ 92,329.42
$ 110,795.30
0.694444444
$ 76,941.18
$ 110,795.30
0.578703704
$ 64,117.65
$ 110,795.30
0.482253086
$ 53,431.38
$ 114,595.30
0.401877572
$ 46,053.28
$ 2,572.90

AO
0
1
2
3
4
5
VANE

TASA INTERNA ECONMICA DE RETORNO (TIR)

20%
FLUJO
% FACTOR DE
ECONOMICO ACTUALIZACION
PROYECTADO
0.20
-$ 330,300.00
1
$ 110,795.30
0.830895458
$ 110,795.30
0.690387263
$ 110,795.30
0.573639641
$ 110,795.30
0.476634573
$ 114,595.30
0.396033502

AO
0
1
2
3
4
5
VAN
TIRE

RELACIN BENEFICIO COSTO Economico ((B/C) Econmico)

(B / C)E

VAN E
I0

(B/C)economico =

0.02322214

PERIODO DE RECUPERACION DE CAPITAL

EVALUACION DEL VAN
DEL FLUJO DE CAJA FINANCIERO
Ao

FLUJOS NETOS
0
1
2
3

-$ 242,921.01
$ 8,056.22
$ 110,795.30
$ 110,795.30

-$ 234,864.79
-$ 124,069.49
-$ 13,274.19

0.20
% VALOR
ACTUAL
0.20
-$ 330,300.00
$ 92,059.31
$ 76,491.66
$ 63,556.58
$ 52,808.87
$ 45,383.58
$ 0.00
0.20

4
5

$ 110,795.30
$ 114,595.30

PERIODO DE RECUPERACION DE CAPITAL

PRC (aos)
$ 3.12

$ 97,521.11
$ 212,116.41

VALOR ACTUAL NETO FINANCIERO (VANF)

AO
0
1
2
3
4
5
VANF

3,613.33
FLUJO
FACTOR DE
FLUJO DE
FINANCIERO ACTUALIZACION
FONDOS
PROYECTADO (20% ANUAL ) ACTUALIZADOS
-$ 242,921.01
1
-$ 242,921.01
$ 8,056.22
0.833333333
$ 6,713.52
$ 110,795.30
0.694444444
$ 76,941.18
$ 110,795.30
0.578703704
$ 64,117.65
$ 110,795.30
0.482253086
$ 53,431.38
$ 114,595.30
0.401877572
$ 46,053.28
$ 4,335.99

TASA INTERNA FINANCIERA DE RETORNO (TIR)

AO
0
1
2
3
4
5

0.21
FLUJO
% FACTOR DE
FINANCIERO ACTUALIZACION
PROYECTADO
0.21
-$ 242,921.01
1
$ 8,056.22
0.828766476
$ 110,795.30
0.686853871
$ 110,795.30
0.569241462
$ 110,795.30
0.47176824
$ 114,595.30
0.390985702

VAN
TIRF

RELACIN BENEFICIO COSTO Financiero ((B/C) Financiero)

(B / C)F

VAN F
I0

(B/C)financiero =

0.538216718

VALOR
ACTUAL
0.21
-$ 242,921.01
$ 6,676.73
$ 76,100.18
$ 63,069.28
$ 52,269.70
$ 44,805.12
$ 0.00
0.21