UNIVERSIDAD ESTATAL AMAZÓNICA

PRIMER SEMESTRE
TURISMO
ALUMNO Eduardo Cerbone TAREA Nº 05
FECHA ENTR 12 de noviembre del 2020 PARALELO A
ASIGNATURA Matemáticas Financiera
DOCENTE Ing. Josue Bonifaz
CALIFICACIÓN /10
TEMA Interés sobre saldos deudores.

1. Una cooperativa otorga préstamos por $12.000 a 36 meses de plazo con una tasa

de interés del 17% mensual calculemos la cuota mensual que debe cobrar a sus

clientes.

Método Lagarto

1080
𝑴 = 12000,00 (1 + 0.017 ( ) = 19344
30
19344
𝑪𝑭 = = 537,33
36
𝑰= 𝑴−𝑪 𝑰 = 19344 − 12000,00 = 7344

Método sobre saldo Deudor

12000
𝑪= = 333,33 𝐶𝑢𝑜𝑡𝑎 𝑠𝑖𝑛 𝑖𝑛𝑡𝑒𝑟𝑒𝑠
36

𝑰𝟏 = (12000)(0.017)(1) = 204
𝑪𝟏 = 333,33 + 204 = 537,33

𝑰𝟐 = (11666,67)(0.017)(1) = 198,33
𝑪𝟐 = 333,33 + 198,33 = 531,66

𝑰𝟑 = (11333,34)(0.017)(1) = 192,67
𝑪𝟑 = 333,33 + 192,67 = 526

𝑰𝟒 = (11000.01)(0.017)(1) = 187,00
𝑪𝟒 = 333,33 + 187,000 = 520,33

𝑰𝟓 = (10666,68)(0.017)(1) = 181,33
𝑪𝟓 = 333,33 + 181,33 = 514,66

𝑰𝟔 = (10333,35)(0.017)(1) = 175,67
𝑪𝟔 = 333,33 + 175,67 = 509,00

𝑰𝟕 = (10000,02)(0.017)(1) = 170,00
𝑪𝟕 = 333,33 + 170,00 = 503,33
𝑰𝟖 = (9666,69)(0.017)(1) = 164,33
𝑪𝟖 = 333,33 + 164,33 = 497,66
𝑰𝟗 = (9333,36)(0.017)(1) = 158,67
𝑪𝟗 = 333,33 + 158,67 = 492,00
𝑰𝟏𝟎 = (9000,03)(0.017)(1) = 153,00
𝑪𝟏𝟎 = 333,33 + 153,00 = 486,33
𝑰𝟏𝟏 = (8666,7)(0.017)(1) = 147,33
𝑪𝟏𝟏 = 333,33 + 147,33 = 480,66
𝑰𝟏𝟐 = (8333,37)(0.017)(1) = 141,68
𝑪𝟏𝟐 = 333,33 + 141,68 = 475,00
𝑰𝟏𝟑 = (8000,04)(0.017)(1) = 136,00
𝑪𝟏𝟑 = 333,33 + 136,00 = 469,33
𝑰𝟏𝟒 = (7666,71)(0.017)(1) = 130,33
𝑪𝟏𝟒 = 333,33 + 130,33 = 463,66
𝑰𝟏𝟓 = (7333,38)(0.017)(1) = 124,67
𝑪𝟏𝟓 = 333,33 + 124,67 = 458,00
𝑰𝟏𝟔 = (7000,05)(0.017)(1) = 119,00
𝑪𝟏𝟔 = 333,33 + 119,00 = 452,33
𝑰𝟏𝟕 = (6666,72)(0.017)(1) = 113,33
𝑪𝟏𝟕 = 333,33 + 113,33 = 446,66
𝑰𝟏𝟖 = (6333,39)(0.017)(1) = 107,67
𝑪𝟏𝟖 = 333,33 + 107,67 = 441,00
𝑰𝟏𝟗 = (6000,06)(0.017)(1) = 102,00
𝑪𝟏𝟗 = 333,33 + 102,00 = 435,33
𝑰𝟐𝟎 = (5666,73)(0.017)(1) = 96,33
𝑪𝟐𝟎 = 333,33 + 96,33 = 429,33
𝑰𝟐𝟏 = (5333,40)(0.017)(1) = 90,67
𝑪𝟐𝟏 = 333,33 + 90,67 = 424,00
𝑰𝟐𝟐 = (5000,07)(0.017)(1) = 85,00
𝑪𝟐𝟐 = 333,33 + 85,00 = 418,33
𝑰𝟐𝟑 = (4666,74)(0.017)(1) = 79,33
𝑪𝟐𝟑 = 333,33 + 79,33 = 412,66
𝑰𝟐𝟒 = (4333,41)(0.017)(1) = 73,68
𝑪𝟐𝟒 = 333,33 + 73,68 = 407,00
𝑰𝟐𝟓 = (4000,08)(0.017)(1) = 68,00
𝑪𝟐𝟓 = 333,33 + 68,00 = 401,33
𝑰𝟐𝟔 = (3666,75)(0.017)(1) = 62,33
𝑪𝟐𝟔 = 333,33 + 62,33 = 395,66
𝑰𝟐𝟕 = (3333,42)(0.017)(1) = 56,67
𝑪𝟐𝟕 = 333,33 + 56,67 = 390,00
𝑰𝟐𝟖 = (3000,09)(0.017)(1) = 51,00
𝑪𝟐𝟖 = 333,33 + 51,00 = 384,33
𝑰𝟐𝟗 = (2666,76)(0.017)(1) = 45,33
𝑪𝟐𝟗 = 333,33 + 45,33 = 378,66
𝑰𝟑𝟎 = (2333,43)(0.017)(1) = 39,67
𝑪𝟑𝟎 = 333,33 + 39,67 = 373,00
𝑰𝟑𝟏 = (2000.1)(0.017)(1) = 34,00
𝑪𝟑𝟏 = 333,33 + 34,00 = 367,33
𝑰𝟑𝟐 = (1666,77)(0.017)(1) = 28,34
𝑪𝟑𝟐 = 333,33 + 28,34 = 361,67
𝑰𝟑𝟑 = (1333.44)(0.017)(1) = 22,67
𝑪𝟑𝟑 = 333,33 + 22,67 = 356,00
𝑰𝟑𝟒 = (1000,11)(0.017)(1) = 17,00
𝑪𝟑𝟒 = 333,33 + 17,00 = 350,33
𝑰𝟑𝟓 = (666,78)(0.017)(1) = 11,34
𝑪𝟑𝟓 = 333,33 + 11,34 = 344,67
𝑰𝟑𝟔 = (333,45)(0.017)(1) = 5,67
𝑪𝟑𝟔 = 333,33 + 5,67 = 339,00
𝑉𝑇𝐶
𝐶𝐹𝑀 =
#𝑝
15773,92
𝐶𝐹𝑀 =
36
𝐶𝐹𝑀 = 438,16
 Interés Anual
𝐼 3774,04
𝑖= =
𝐶𝑡 12000,00
𝑖 = 0,31 = 31%
𝑖 = 0,86% 𝑇𝑎𝑠𝑎 𝑅𝑒𝑎𝑙 𝑀𝑒𝑛𝑠𝑢𝑎𝑙
 Tabla Financiera de las cuotas
Periodo Deuda Interes Cuota S.I Cuota
1 12000,00 204,00 333,33 537,33
2 11666,67 198,33 333,33 531,66
3 11333,34 192,67 333,33 526,00
4 11000,01 187,00 333,33 520,33
5 10666,68 181,33 333,33 514,66
6 10333,35 175,67 333,33 509,00
7 10000,02 170,00 333,33 503,33
8 9666,69 164,33 333,33 497,66
9 9333,36 158,67 333,33 492,00
10 9000,03 153,00 333,33 486,33
11 8666,7 147,33 333,33 480,66
12 8333,37 141,67 333,33 475,00
13 8000,04 136,00 333,33 469,33
14 7666,71 130,33 333,33 463,66
15 7333,38 124,67 333,33 458,00
16 7000,05 119,00 333,33 452,33
17 6666,72 113,33 333,33 446,66
18 6333,39 107,67 333,33 441,00
19 6000,06 102,00 333,33 435,33
20 5666,73 96,33 333,33 429,66
21 5333,4 90,67 333,33 424,00
22 5000,07 85,00 333,33 418,33
23 4666,74 79,33 333,33 412,66
24 4333,41 73,67 333,33 407,00
25 4000,08 68,00 333,33 401,33
26 3666,75 62,33 333,33 395,66
27 3333,42 56,67 333,33 390,00
28 3000,09 51,00 333,33 384,33
29 2666,76 45,33 333,33 378,66
30 2333,43 39,67 333,33 373,00
31 2000,1 34,00 333,33 367,33
32 1666,77 28,34 333,33 361,67
33 1333,44 22,67 333,33 356,00
34 1000,11 17,00 333,33 350,33
35 666,78 11,34 333,33 344,67
36 333,45 5,67 333,33 339,00
3774,04 11999,88 15773,92