9.

FINANCIAMIENTO
¿Tengo los recursos? Si no los tengo ¿Dónde y cómo conseguirlos?

CONCEPTO EGRESOS TENGO DEBO CONSEGUIR

VALOR UNIDADES
TOTAL Bienes Aporte Propio y/o Entidades
UNITARIO REQUERIDAS Efectivo Otros
Valorizados de Familiares Financieras

ACTIVO FIJO S/. 9,495.10 S/. 1,226.30 S/. - S/. 2,018.80 S/. 5,900.00 S/. 350.00
Terrenos / Infraestructura S/. 700.00 S/. - S/. - S/. 700.00 S/. - S/. -
Acondicionamiento del local 700.00 1 700.00 700.00 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
Maquinarias y Equipos S/. 6,770.00 S/. 520.00 S/. - S/. - S/. 5,900.00 S/. 350.00

Maquina de soldar de corriente 1900.00 1 1900.00 1900.00 0.00

continua marca SOLANDINAS 300
Máquina de soldar pequeña 280 350.00 1 350.00 350.00
Esmeril Crown 600 wats 80.00 2 160.00 160.00 0.00 0.00 0.00 0.00
Taladro pequeño marca cronw 80.00 1 80.00 80.00 0.00 0.00 0.00 0.00
Compresora 280.00 1 280.00 280.00 0.00 0.00 0.00 0.00
Motocarga 4000.00 1 4000.00 4000.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
Herramientas S/. 1,770.10 S/. 451.30 S/. - S/. 1,318.80 S/. - S/. -
Arco de sierra 25.00 3 75.00 75.00 0.00 0.00 0.00 0.00
Mascaras para soldar 18.90 2 37.80 37.80 0.00 0.00 0.00 0.00
Cisalla para planchas 250.00 1 250.00 250.00 0.00 0.00
Prensa manual (sargenta) 1.20 m 40.00 2 80.00 80.00 0.00 0.00
Prensa manual pequeña 6" 18.00 3 54.00 54.00 0.00 0.00
wincha metrica 3m 4.00 3 12.00 12.00 0.00 0.00
Wincha metrica 5m 7.00 1 7.00 7.00 0.00 0.00 0.00 0.00
Llave stilson 1 1/2 19.50 1 19.50 19.50 0.00 0.00 0.00 0.00
Llave francesa (loro) 12 21.90 1 21.90 21.90 0.00 0.00 0.00 0.00
Juego de alicates stanley 49.50 1 49.50 49.50 0.00 0.00 0.00 0.00
Juego de desarmadores truper 23.90 1 23.90 23.90 0.00 0.00 0.00 0.00
Juego de llaves 30.00 1 30.00 30.00 0.00 0.00 0.00 0.00
Escuadras 4.00 2 8.00 8.00 0.00 0.00 0.00 0.00
Escuadra falsa 8.00 1 8.00 8.00 0.00 0.00 0.00 0.00
Soplete para pintar 45.00 1 45.00 45.00 0.00 0.00 0.00 0.00
Soplete para quemar 50.00 1 50.00 50.00 0.00 0.00 0.00 0.00
Caballetes 50.00 4 200.00 200.00 0.00 0.00
Tornillo de banco grande 286.40 1 286.40 286.40 0.00 0.00
Tornillo de banco mediano 136.40 1 136.40 136.40 0.00 0.00
Caja de herramientas 35.90 1 35.90 35.90 0.00 0.00 0.00 0.00
Tijera hojalatera 19.90 2 39.80 39.80 0.00 0.00 0.00 0.00
Rotomartillo sk 300.00 1 300.00 300.00 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 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
Muebles y Enseres S/. 255.00 S/. 255.00 S/. - S/. - S/. - S/. -
Escritorio 150.00 1 150.00 150.00 0.00 0.00 0.00 0.00
Sillas 35.00 3 105.00 105.00 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 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
GASTOS PRE-OPERATIVOS S/. 1,400.00 S/. 1,400.00 S/. - S/. - S/. - S/. -
Taller Plan de Negocios (CID) 20.00 1 20.00 20.00 0.00 0.00 0.00 0.00
Impresión de boletas 80.00 1 80.00 80.00 0.00 0.00 0.00 0.00
contitucion 500.00 1 500.00 500.00 0.00 0.00 0.00 0.00
licencia municipal 800.00 1 800.00 800.00 0.00 0.00 0.00 0.00

CAPITAL DE TRABAJO S/. 10,188.00 S/. 6,657.00 S/. 365.00 S/. 2,221.00 S/. - S/. 900.00
Materia Prima / Mercadería S/. 3,030.00 S/. 1,437.00 S/. 365.00 S/. 328.00 S/. - S/. 900.00
Angular de 1 ½ x 2.0 mm 25.00 5 125.00 125.00 0.00 0.00 0.00 0.00
Fierro ornamental de 3/8 11.00 8 88.00 88.00 0.00 0.00
Angular de 1" x 2.0 mm 15.00 8 120.00 120.00 0.00 0.00
Platina de 1/2 x 1/8 6.00 20 120.00 120.00 0.00 0.00
Angular de 2” x 1/8 55.00 5 275.00 275.00 0.00 0.00 0.00
Angular de 1 1/4 18.00 5 90.00 90.00 0.00 0.00 0.00
Tubo cuadrado de 1 1/2 25.00 7 175.00 175.00 0.00 0.00 0.00 0.00
Tubo cuadrado de 1 1/4 22.00 7 154.00 154.00 0.00 0.00 0.00 0.00
Tubo cuadrado de 1" 18.00 7 126.00 126.00 0.00 0.00 0.00 0.00
Tubo redondo cañeria de 2" x 1.8 65.00 6 390.00 390.00
Tubo cuadrado de 2" x 1.5 55.00 2 110.00 110.00
Tubo redondo cañeria de 5/8 30.00 2 60.00 60.00 0.00 0.00 0.00 0.00
Fierro redondo liso de 1/2 20.00 2 40.00 40.00 0.00 0.00 0.00 0.00
Plancha 1/32 55.00 5 275.00 275.00 0.00 0.00 0.00 0.00
Plancha 1/27 65.00 5 325.00 325.00 0.00 0.00 0.00 0.00
Plancha estriada de 2.5 mm 200.00 2 400.00 400.00
Electrodo x 5 kg 55.00 1 55.00 55.00 0.00 0.00 0.00 0.00
Pintura 35.00 2 70.00 70.00 0.00 0.00 0.00 0.00
Tiner 16.00 2 32.00 32.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
Mano de Obra S/. 2,790.00 S/. 2,790.00 S/. - S/. - S/. - S/. -
Ayudante 930.00 3 2790.00 2790.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
Costos Indirectos S/. 2,728.00 S/. 1,030.00 S/. - S/. 1,653.00 S/. - S/. -
Luz 150.00 1 150.00 150.00 0.00 0.00 0.00 0.00
agua 45.00 1 45.00
Alquiler 800.00 1 800.00 800.00 0.00 0.00 0.00 0.00
Depreciación de maquinaria 40.00 1 40.00 40.00 0.00 0.00 0.00 0.00
Ropa de trabajo 50.00 2 100.00 100.00 0.00 0.00
Kit implementos de seguridad 26.50 2 53.00 53.00 0.00 0.00
seguridad 1500.00 1 1500.00 1500.00 0.00 0.00
materiales de limpieza 40.00 1 40.00 40.00 0.00 0.00 0.00 0.00
Gastos de Ventas S/. 440.00 S/. 200.00 S/. - S/. 240.00 S/. - S/. -
Letrero (Gigantografía) 85.00 1 85.00 85.00 0.00 0.00
Tarjetas publicidad 155.00 1 155.00 155.00 0.00 0.00
transporte 200.00 1 200.00 200.00 0.00 0.00 0.00 0.00
seguros 240.00 1 240.00
Gastos Administrativos S/. 1,200.00 S/. 1,200.00 S/. - S/. - S/. - S/. -
Administrador 1100.00 1 1100.00 1100.00 0.00 0.00 0.00 0.00
Recargas de celular 45.00 1 45.00 45.00 0.00 0.00 0.00 0.00
utiles de escritorio 30.00 1 30.00 30.00 0.00 0.00 0.00 0.00
Calculadora 25.00 1 25.00 25.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
TOTAL 21,083.10 9,283.30 365.00 4,239.80 5,900.00 1,250.00
% 100% 44.03% 1.73% 20.11% 27.98% 5.93%

10. INVERSION REQUERIDA

¿Cuánto debo invertir?

CONCEPTO EGRESOS TENGO DEBO CONSEGUIR

TOTAL Bienes Aporte Propio y/o Entidades
Efectivo Otros
Valorizados de Familiares Financieras

ACTIVO FIJO 9,495.10 1,226.30 0.00 2,018.80 5,900.00 350.00

GASTOS PRE-OPERATIVOS 1,400.00 1,400.00 0.00 0.00 0.00 0.00

CAPITAL DE TRABAJO 10,188.00 6,657.00 365.00 2,221.00 0.00 900.00

TOTAL 21,083.10 9,283.30 365.00 4,239.80 5,900.00 1,250.00

7.3.1. ESTRUCTURA DE COSTOS

PRODUCTO 1
Puertas 90x250
Cantidad a Costear: 1
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
Agular 1 1/4 m. 3.00 10 30.00
Tubo cuadrado 1 1/4 m. 3.60 4.3 15.48
Plancha 1/32 un. 55.00 1 55.00
Platina de 1/2 x 1/8 m. 1.00 25 25.00
Accesorios un. 4.00 6 24.00
Pintura gl. 35.00 0.5 17.50
Tiner gl. 16.00 0.5 8.00
Costo Total de MATERIA PRIMA 174.98
N° de productos costeados 1
Costo Variable Unitario 174.98

Costo Total de MANO DE OBRA -

COSTO VARIABLE UNITARIO - PRODUCTO 1 174.98

PRODUCTO 2
Pasamanos por metro lineal
Cantidad a Costear: 1
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
Tubo redondo de 2" 08 m. 10.80 1 10.80
Tubo cuadrado 1 1/4 m. 3.60 1.7 6.12
Tubo redondo 1 1/4 m. 3.60 4 14.40
-
-
-
Costo Total de MATERIA PRIMA 31.32
N° de productos costeados 1
Costo Variable Unitario 31.32
Mano de obra 2.40
 Costo Total de MANO DE OBRA 2.40
COSTO VARIABLE UNITARIO - PRODUCTO 2 33.72

PRODUCTO 3
Garajes 3x3 m.
Cantidad a Costear: 1
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
Tubo redondo de 2" m. 10.80 15 162.00
Angular de 2" m. 9.10 3 27.30
Tubo cuadrado d 1 1/2 m. 4.10 6.8 27.88
Angular de 1 1/2 m. 4.10 3.5 14.35
Angular de 1" m. 2.50 4.5 11.25
Tubo cuadrado de 1 1/4 m. 3.00 3.5 10.50
Angular de 1 1/4 m. 3.00 1.4 4.20
Plancha 1/27 un. 63.00 3 189.00
Platina m. 1.00 24 24.00
Accesorios de garaje un. 4.50 8 36.00
Accesorios de puerta un. 4.00 6 24.00
Pintura gl. 35.00 1 35.00
Tiner gl. 16.00 1 16.00
Electrodo kg. 11.50 3 34.50
-
Costo Total de MATERIA PRIMA 615.98
N° de productos costeados 1
Costo Variable Unitario 615.98
Mano de obra 215.00
Movilidad 30.00
Costo Total de MANO DE OBRA 245.00
COSTO VARIABLE UNITARIO - PRODUCTO 3 860.98

PRODUCTO 4
Puertas enrollables
Cantidad a Costear: 1
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
Balletas 0.8 mm m. 4.30 66 283.80
Suncho m. 9.00 24 216.00
Guia m. 6.30 5.5 34.65
Barrotes m. 7.50 2.9 21.75
Tubo cañeria de 1" m. 9.00 2.06 18.54
Regla m. 8.10 2 16.20
Platina 2" 3/16 m. 5.10 3.9 19.89
Angular de 3/4 m. 2.10 5.2 10.92
Angular de 1" m. 2.50 4.6 11.50
Quit de puerta un 14.00 1 14.00
Quit de regla un 9.00 1 9.00
Cartera un 3.50 2 7.00
Tambor un 15.00 2 30.00
Remachas kg. 7.00 1 7.00
Pintura gl. 35.00 1 35.00
Tiner gl. 16.00 1 16.00
-
Costo Total de MATERIA PRIMA 751.25
N° de productos costeados 1
Costo Variable Unitario 751.25
Mano de obra 160.00
Movilidad 30.00
Costo Total de MANO DE OBRA 190.00
COSTO VARIABLE UNITARIO - PRODUCTO 4 941.25

PRODUCTO 5
0
Cantidad a Costear: 12
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
pantalones 12 45.00 12 540.00
bolsa 12 0.30 12 3.60
llavero 12 0.80 12 9.60
-
-
-
-
-
-
-
-
-
-
-
-
Costo Total de MATERIA PRIMA 553.20
N° de productos costeados 12
Costo Variable Unitario 46.10
Mano de obra
Movilidad
Costo Total de MANO DE OBRA -
COSTO VARIABLE UNITARIO - PRODUCTO 5 46.10
PRODUCTO 6
0
Cantidad a Costear: 1
PRECIO CANTIDAD
Materia Prima / Mercadería Unidad de Medida TOTAL
UNITARIO REQUERIDA
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Costo Total de MATERIA PRIMA 0.00
N° de productos costeados 1
Costo Variable Unitario 0.00
Mano de obra
Movilidad
Costo Total de MANO DE OBRA -
COSTO VARIABLE UNITARIO - PRODUCTO 6 -

* En el caso de comercio considerar el precio de compra de los productos.

 FINANCIAMIENTO

METODO FRANCES CUOTA S/. 349.94

CUOTAS PRINCIPAL INTERES AMORTIZACION CUOTA

1 S/. 6,324.93 S/. 152.11 S/. 197.83 S/. 349.94
2 S/. 6,127.10 S/. 147.35 S/. 202.59 S/. 349.94
3 S/. 5,924.51 S/. 142.48 S/. 207.46 S/. 349.94
4 S/. 5,717.05 S/. 137.49 S/. 212.45 S/. 349.94
5 S/. 5,504.60 S/. 132.38 S/. 217.56 S/. 349.94
6 S/. 5,287.04 S/. 127.15 S/. 222.79 S/. 349.94
7 S/. 5,064.25 S/. 121.79 S/. 228.15 S/. 349.94
8 S/. 4,836.10 S/. 116.31 S/. 233.64 S/. 349.94
9 S/. 4,602.47 S/. 110.69 S/. 239.25 S/. 349.94
10 S/. 4,363.21 S/. 104.93 S/. 245.01 S/. 349.94
11 S/. 4,118.20 S/. 99.04 S/. 250.90 S/. 349.94
12 S/. 3,867.30 S/. 93.01 S/. 256.94 S/. 349.94
13 S/. 3,610.37 S/. 86.83 S/. 263.11 S/. 349.94
14 S/. 3,347.25 S/. 80.50 S/. 269.44 S/. 349.94
15 S/. 3,077.81 S/. 74.02 S/. 275.92 S/. 349.94
16 S/. 2,801.89 S/. 67.38 S/. 282.56 S/. 349.94
17 S/. 2,519.33 S/. 60.59 S/. 289.35 S/. 349.94
18 S/. 2,229.98 S/. 53.63 S/. 296.31 S/. 349.94
19 S/. 1,933.67 S/. 46.50 S/. 303.44 S/. 349.94
20 S/. 1,630.23 S/. 39.21 S/. 310.74 S/. 349.94
21 S/. 1,319.49 S/. 31.73 S/. 318.21 S/. 349.94
22 S/. 1,001.28 S/. 24.08 S/. 325.86 S/. 349.94
23 S/. 675.42 S/. 16.24 S/. 333.70 S/. 349.94
24 S/. 341.72 S/. 8.22 S/. 341.72 S/. 349.94
 TOTAL S/. 2,073.68 S/. 6,324.93 S/. 4,199.30

2018 2019 2020 2021 2022

INTERESES S/. 1,484.74 S/. 588.94 S/. 0.00
AMORTIZA S/. 2,714.56 S/. 3,610.37 S/. 0.00
INVERSION S/. 21,083.10 100%
FIN. BANCO S/. 6,324.93 30%
ACCIONISTAS S/. 14,758.17 70%
PLAZO 24 MESES
TEA 33.00% ANUAL
TEM 2.40% MENSUAL
MIBANCO
TIEA 0.20 TEM 2.40%

fuente: caja Huancayo

 7. PROYECCION DE VENTAS
¿Cuánto podré vender?

7.1. Proyección de Ventas en unidades físicas por producto / servicio:

Producto / Servicio marzo abril MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 TOTAL
Puertas 90x250 20 20 20 20 20 20 20 20 20 10 10 10 210
Pasamanos por metro lineal 30 35 30 15 10 25 30 30 25 33 30 32 325
Garajes 3x3 m. 10 10 10 10 10 10 10 10 10 10 10 2 112
Puertas enrollables 2 2 2 1 1 1 1 2 2 1 2 2 19
0
0
TOTAL DE UNIDADES VENDIDAS 62 67 62 46 41 56 61 62 57 54 52 46 666

JUSTIFICA LA ESTIMACIÓN (En que se basa la proyección)

7.2. Proyección de Ventas en unidades monetarias - dinero:

Producto / Servicio PRECIO (1) MES 1 MES 2 MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 MES 13 TOTAL
Puertas 90x250 250.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 2,500.00 2,500.00 2,500.00 52,500.00
Pasamanos por metro lineal 65.00 1,950.00 2,275.00 1,950.00 975.00 650.00 1,625.00 1,950.00 1,950.00 1,625.00 2,145.00 1,950.00 2,080.00 21,125.00
Garajes 3x3 m. 1600.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 16,000.00 3,200.00 179,200.00
Puertas enrollables 1400.00 2,800.00 2,800.00 2,800.00 1,400.00 1,400.00 1,400.00 1,400.00 2,800.00 2,800.00 1,400.00 2,800.00 2,800.00 26,600.00
0 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 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
TOTAL DE INGRESOS POR VENTAS 25,750.00 26,075.00 25,750.00 23,375.00 23,050.00 24,025.00 24,350.00 25,750.00 25,425.00 22,045.00 23,250.00 10,580.00 279,425.00
(1) El nivel de precio debe estar de acuerdo con la estrategia comercial planteada en el acápite anterior.

7.3. Proyección de Costos Variables:

Producto / Servicio COSTOS (2) MES 1 MES 2 MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 TOTAL
Puertas 90x250 174.98 3,499.60 3,499.60 3,499.60 3,499.60 3,499.60 3,499.60 3,499.60 3,499.60 3,499.60 1,749.80 1,749.80 1,749.80 36,745.80
Pasamanos por metro lineal 33.72 1,011.60 1,180.20 1,011.60 505.80 337.20 843.00 1,011.60 1,011.60 843.00 1,112.76 1,011.60 1,079.04 10,959.00
Garajes 3x3 m. 860.98 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 8,609.80 1,721.96 96,429.76
Puertas enrollables 941.25 1,882.50 1,882.50 1,882.50 941.25 941.25 941.25 941.25 1,882.50 1,882.50 941.25 1,882.50 1,882.50 17,883.75
0 46.10 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 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
TOTAL DE COSTOS 15,003.50 15,172.10 15,003.50 13,556.45 13,387.85 13,893.65 14,062.25 15,003.50 14,834.90 12,413.61 13,253.70 6,433.30 162,018.31
(2) El nivel de costo debe estar de acuerdo a la realidad del negocio y la zona donde se desarrolla el negocio; en el caso de comercio considerar el precio de compra de los productos.

SUELDO DEL TRABAJADOR

Mano de
Producto / Servicio Obra
MES 1 MES 2 MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 TOTAL
Puertas 90x250 - - - - - - - - - - - - - -
Pasamanos por metro lineal 2.40 72.00 84.00 72.00 36.00 24.00 60.00 72.00 72.00 60.00 79.20 72.00 76.80 780.00
Garajes 3x3 m. 215.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 2,150.00 430.00 24,080.00
Puertas enrollables 160.00 320.00 320.00 320.00 160.00 160.00 160.00 160.00 320.00 320.00 160.00 320.00 320.00 3,040.00
0 - - - - - - - - - - - - - -
0 - - - - - - - - - - - - - -
SUELDO TOTAL 2,542.00 2,554.00 2,542.00 2,346.00 2,334.00 2,370.00 2,382.00 2,542.00 2,530.00 2,389.20 2,542.00 826.80 27,900.00

8. GASTOS
 ¿Cuánto gastaré?

EGRESOS MES 1 MES 2 MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 TOTAL
Materia Prima y Mercadería 15,003.50 15,172.10 15,003.50 13,556.45 13,387.85 13,893.65 14,062.25 15,003.50 14,834.90 12,413.61 13,253.70 6,433.30 162,018.31
Mano de Obra* 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 2,790.00 33,480.00
Costos Indirectos 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 2,728.00 32,736.00
Gastos de Ventas 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00 440.00 5,280.00
Gastos Administrativos 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 14,400.00
TOTAL DE EGRESOS 22,161.50 22,330.10 22,161.50 20,714.45 20,545.85 21,051.65 21,220.25 22,161.50 21,992.90 19,571.61 20,411.70 13,591.30 247,914.31

* Sueldo referencial del dueño del negocio:

11. FLUJO DE CAJA
¿Cuánto serán las ventas menos los gastos?

CONCEPTO MES 0 MES 1 MES 2 MES 3 MES 4 MES 5 MES 6 MES 7 MES 8 MES 9 MES 10 MES 11 MES 12 MES 13 TOTAL
INGRESOS
Ventas 25,750.00 26,075.00 25,750.00 23,375.00 23,050.00 24,025.00 24,350.00 25,750.00 25,425.00 22,045.00 23,250.00 10,580.00 279,425.00
TOTAL INGRESOS (A) 25,750.00 26,075.00 25,750.00 23,375.00 23,050.00 24,025.00 24,350.00 25,750.00 25,425.00 22,045.00 23,250.00 10,580.00 279,425.00
EGRESOS
Terreno y/o Infraestructura 700.00 700.00
Maquinaria y Equipo 6,770.00 6,770.00
Herramientas 1,770.10 1,770.10
Muebles y Enseres 255.00 255.00
Gastos Pre - Operativos 1,400.00 1,400.00
Materia Prima / Mercadería 3,030.00 15,003.50 15,172.10 15,003.50 13,556.45 13,387.85 13,893.65 14,062.25 15,003.50 14,834.90 12,413.61 13,253.70 6,433.30 165,048.31
Mano de Obra 2,790.00 5,332.00 5,344.00 5,332.00 5,136.00 5,124.00 5,160.00 5,172.00 5,332.00 5,320.00 5,179.20 2,542.00 3,616.80 61,380.00
Costos Indirectos 2,728.00 1,035.00 1,035.00 1,035.00 2,728.00 1,035.00 1,035.00 1,035.00 2,728.00 1,035.00 1,035.00 1,035.00 2,728.00 20,227.00
Gastos de Ventas 440.00 0.00 0.00 250.00 0.00 0.00 250.00 0.00 0.00 250.00 0.00 0.00 0.00 1,190.00
Gastos Administrativos 1,200.00 1,145.00 1,145.00 1,145.00 1,145.00 1,145.00 1,145.00 1,200.00 1,145.00 1,145.00 1,145.00 1,145.00 1,145.00 14,995.00
Impuestos RUS / RER / RG 386.25 391.13 386.25 350.63 345.75 360.38 365.25 386.25 381.38 330.68 348.75 158.70 4,191.38
TOTAL EGRESOS (B) 21,083.10 22,901.75 23,087.23 23,151.75 22,916.08 21,037.60 21,844.03 21,834.50 24,594.75 22,966.28 20,103.49 18,324.45 14,081.80 277,926.79
Flujo Económico (A) - (B) = C -21,083.10 2,848.25 2,987.78 2,598.25 458.92 2,012.40 2,180.97 2,515.50 1,155.25 2,458.72 1,941.51 4,925.55 -3,501.80 1,498.22
SALDO ACUMULADO -21,083.10 -20,696.85 -20,305.73 -19,919.48 -19,568.85 -19,223.10 -18,862.73 -18,497.48 -18,111.23 -17,729.85 -17,399.18 -17,050.43 -16,891.73
prestamo 6,324.93
cuota 349.94 349.94 349.94 349.94 349.94 349.94 349.94 349.94 349.94 349.94 349.94 349.94

-14,758.17 2,498.31 2,637.83 2,248.31 108.98 1,662.46 1,831.03 2,165.56 805.31 2,108.78 1,591.57 4,575.61 -3,851.74 1,498.22
Flujo financiero
SALDO ACUMULADO -21,083.10 -18,234.85 -15,247.07 -12,648.82 -12,189.90 -10,177.50 -7,996.52 -5,481.02 -4,325.77 -1,867.05 74.47 5,000.02 1,498.22

12. UTILIDAD
¿Podré ganar? ¿Cuánto? ¿En cuánto tiempo?

§ A cuántos meses de iniciado el negocio los ingresos superan los egresos: 10 mes / o a partir de qué mes puedo comenzar a cobrar un sueldo?

§ Utilidad bruta anual (Saldo Acumulado): 1,498.22

§ Utilidad bruta en % (Saldo Acumulado x 100 / ingresos): 1,498.22 x 100 = 0.54

279,425.00
COK COK
VANE VANE
13. RENTABILIDAD VAN VAN
¿Será rentable mi proyecto?¿Cuán rentable será? TIR TIR
B/C B/C
Rentabilidad = Saldo Acumulado Primer Año x 100
Inversión Requerida

Rentabilidad = 1,498.22 x 100 = 149821.5

21,083.10 21,083.10

Rentabilidad = 7%