ESCUELA DE CIENCIAS ADMINISTRATIVAS, CONTABLES,

ECONMICAS Y DE NEGOCIOS
Matematica financiera
Trabajo Colaborativo No. 6 Individual

ACTIVIDAD N 6. MOMENTO TRABAJO INDIVIDUAL

PRESENTADO POR:
GLORIA STEFANNY GIRALDO CC: 1.056.781.527

PRESENTADO AL TUTOR:
LUIS FERMIN ORTIZ ZARATE

UNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA

2015

CONTABLES,

IDUAL

R:

C: 1.056.781.527

TOR:
ARATE

Y A DISTANCIA

1. AMORTIZACION FIJA A CAPITAL

CAPITAL
TASA MENSUAL
PERIODOS
Plazo

$ 215,000,000.00
1.25%
24
24

PERIODO

SALDO INICIAL

CUOTA

$ 215,000,000.00

$ 11,645,833.33

$ 206,041,666.67

$ 11,533,854.17

$ 197,083,333.33

$ 11,421,875.00

$ 188,125,000.00

$ 11,309,895.83

$ 179,166,666.67

$ 11,197,916.67

$ 170,208,333.33

$ 11,085,937.50

$ 161,250,000.00

$ 10,973,958.33

$ 152,291,666.67

$ 10,861,979.17

$ 143,333,333.33

$ 10,750,000.00

10

$ 134,375,000.00

$ 10,638,020.83

11

$ 125,416,666.67

$ 10,526,041.67

12

$ 116,458,333.33

$ 10,414,062.50

13

$ 107,500,000.00

$ 10,302,083.33

14

$ 98,541,666.67

$ 10,190,104.17

15

$ 89,583,333.33

$ 10,078,125.00

16

$ 80,625,000.00

$ 9,966,145.83

17

$ 71,666,666.67

$ 9,854,166.67

18

$ 62,708,333.33

$ 9,742,187.50

19

$ 53,750,000.00

$ 9,630,208.33

20

$ 44,791,666.67

$ 9,518,229.17

21

$ 35,833,333.33

$ 9,406,250.00

22

$ 26,875,000.00

$ 9,294,270.83

23

$ 17,916,666.67

$ 9,182,291.67

24

$ 8,958,333.33

$ 9,070,312.50

$ 0.00

$ 0.00

$ 0.00

$ 0.00
SUMATORIA INTERES PRIMER AO
SUMATORIA INTERES TOTAL

Tasa inters efectiva

mensual

Plazo

1.25%

24

INTERES

AMORTIZACION

SALDO FINAL

$ 2,687,500.00

$ 8,958,333.33

$ 206,041,666.67

$ 2,575,520.83

$ 8,958,333.33

$ 197,083,333.33

$ 2,463,541.67

$ 8,958,333.33

$ 188,125,000.00

$ 2,351,562.50

$ 8,958,333.33

$ 179,166,666.67

$ 2,239,583.33

$ 8,958,333.33

$ 170,208,333.33

$ 2,127,604.17

$ 8,958,333.33

$ 161,250,000.00

$ 2,015,625.00

$ 8,958,333.33

$ 152,291,666.67

$ 1,903,645.83

$ 8,958,333.33

$ 143,333,333.33

$ 1,791,666.67

$ 8,958,333.33

$ 134,375,000.00

$ 1,679,687.50

$ 8,958,333.33

$ 125,416,666.67

$ 1,567,708.33

$ 8,958,333.33

$ 116,458,333.33

$ 1,455,729.17

$ 8,958,333.33

$ 107,500,000.00

$ 1,343,750.00

$ 8,958,333.33

$ 98,541,666.67

$ 1,231,770.83

$ 8,958,333.33

$ 89,583,333.33

$ 1,119,791.67

$ 8,958,333.33

$ 80,625,000.00

$ 1,007,812.50

$ 8,958,333.33

$ 71,666,666.67

$ 895,833.33

$ 8,958,333.33

$ 62,708,333.33

$ 783,854.17

$ 8,958,333.33

$ 53,750,000.00

$ 671,875.00

$ 8,958,333.33

$ 44,791,666.67

$ 559,895.83

$ 8,958,333.33

$ 35,833,333.33

$ 447,916.67

$ 8,958,333.33

$ 26,875,000.00

$ 335,937.50

$ 8,958,333.33

$ 17,916,666.67

$ 223,958.33

$ 8,958,333.33

$ 8,958,333.33

$ 111,979.17

$ 8,958,333.33

$ 0.00

Monto solicitado
$

215,000,000.00

$ 0.00

$ 0.00

$ 0.00

$ 0.00

$ 0.00

$ 0.00

RIA INTERES PRIMER AO

ATORIA INTERES TOTAL

$ 24,859,375.00
$ 33,593,750.00

Periodo de gracia

Periodo
muerto

Total
periodos

NA

NA

24

Cuota Decreciente
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$111,979.17
$783,854.17
$111,979.17
$111,979.17
$447,916.67
$111,979.17
$111,979.17
$111,979.17

$0.00
$0.00

2. AMORTIZACION GRADIENTE GEOMETRICO DECRECIENTE

Monto solicitado
$

CAPITAL
TASA MENSUAL
PERIODOS
Plazo

215,000,000.00

$ 215,000,000.00
1.25%
12
12

PERIODO

SALDO INICIAL

CUOTA

INTERES

$ 215,000,000.00

$ 20,604,166.67

$ 2,687,500.00

$ 197,083,333.33

$ 20,380,208.33

$ 2,463,541.67

$ 179,166,666.67

$ 20,156,250.00

$ 2,239,583.33

$ 161,250,000.00

$ 19,932,291.67

$ 2,015,625.00

$ 143,333,333.33

$ 19,708,333.33

$ 1,791,666.67

$ 125,416,666.67

$ 19,484,375.00

$ 1,567,708.33

$ 107,500,000.00

$ 19,260,416.67

$ 1,343,750.00

$ 89,583,333.33

$ 19,036,458.33

$ 1,119,791.67

$ 71,666,666.67

$ 18,812,500.00

$ 895,833.33

10

$ 53,750,000.00

$ 18,588,541.67

$ 671,875.00

11

$ 35,833,333.33

$ 18,364,583.33

$ 447,916.67

12

$ 17,916,666.67

$ 18,140,625.00

$ 223,958.33

0
0
0
0
0
0
0
0
0
0
0
0

SUMATORIA INTERES PRIMER AO

SUMATORIA INTERESTOTAL

Tasa inters efectiva

mensual

Plazo

Periodo de gracia

1.25%

12

NA

AMORTIZACION

SALDO FINAL

Cuota Decreciente

$ 17,916,666.67

$ 197,083,333.33

$229,930.56

$ 17,916,666.67

$ 179,166,666.67

$223,719.44

$ 17,916,666.67

$ 161,250,000.00

$223,967.89

$ 17,916,666.67

$ 143,333,333.33

$223,957.95

$ 17,916,666.67

$ 125,416,666.67

$223,958.35

$ 17,916,666.67

$ 107,500,000.00

$223,958.33

$ 17,916,666.67

$ 89,583,333.33

$223,958.33

$ 17,916,666.67

$ 71,666,666.67

$223,958.33

$ 17,916,666.67

$ 53,750,000.00

$223,958.33

$ 17,916,666.67

$ 35,833,333.33

$223,958.33

$ 17,916,666.67

$ 17,916,666.67

$223,958.33

$ 17,916,666.67

$ 0.00

$223,958.33

$ 17,468,750.00
$ 17,468,750.00

Periodo muerto

Total periodos

NA

12

Cuota Decreciente Real

$

149,305.56
-$5,972.22
$238.89
-$9.56
$0.38
-$0.02
$0.00
-$0.00
$0.00
-$0.00
$0.00
-$0.00

3. AMORTIZACION PAGO CUOTA FIJA

CAPITAL
TASA MENSUAL
PERIODOS
PLAZO

$ 215,000,000.00
1.50%
18
18

PERIODO

SALDO INICIAL

CUOTA

$ 215,000,000.00

$ 13,718,243.08

$ 204,506,756.92

$ 13,718,243.08

$ 193,856,115.19

$ 13,718,243.08

$ 183,045,713.84

$ 13,718,243.08

$ 172,073,156.47

$ 13,718,243.08

$ 160,936,010.74

$ 13,718,243.08

$ 149,631,807.82

$ 13,718,243.08

$ 138,158,041.86

$ 13,718,243.08

$ 126,512,169.41

$ 13,718,243.08

10

$ 114,691,608.87

$ 13,718,243.08

11

$ 102,693,739.92

$ 13,718,243.08

12

$ 90,515,902.94

$ 13,718,243.08

13

$ 78,155,398.41

$ 13,718,243.08

14

$ 65,609,486.30

$ 13,718,243.08

15

$ 52,875,385.52

$ 13,718,243.08

16

$ 39,950,273.22

$ 13,718,243.08

17

$ 26,831,284.24

$ 13,718,243.08

18

$ 13,515,510.42

$ 13,718,243.08

SUMATORIA INTERES PRIMER AO

SUMATORIA INTERES TOTAL

Tasa inters efectiva

mensual

Plazo

1.50%

18

INTERES

AMORTIZACION

SALDO FINAL

$ 3,225,000.00

$ 10,493,243.08

$ 204,506,756.92

$ 3,067,601.35

$ 10,650,641.73

$ 193,856,115.19

$ 2,907,841.73

$ 10,810,401.35

$ 183,045,713.84

$ 2,745,685.71

$ 10,972,557.37

$ 172,073,156.47

$ 2,581,097.35

$ 11,137,145.73

$ 160,936,010.74

$ 2,414,040.16

$ 11,304,202.92

$ 149,631,807.82

$ 2,244,477.12

$ 11,473,765.96

$ 138,158,041.86

$ 2,072,370.63

$ 11,645,872.45

$ 126,512,169.41

$ 1,897,682.54

$ 11,820,560.54

$ 114,691,608.87

$ 1,720,374.13

$ 11,997,868.95

$ 102,693,739.92

$ 1,540,406.10

$ 12,177,836.98

$ 90,515,902.94

$ 1,357,738.54

$ 12,360,504.54

$ 78,155,398.41

$ 1,172,330.98

$ 12,545,912.10

$ 65,609,486.30

$ 984,142.29

$ 12,734,100.78

$ 52,875,385.52

$ 793,130.78

$ 12,925,112.30

$ 39,950,273.22

$ 599,254.10

$ 13,118,988.98

$ 26,831,284.24

$ 402,469.26

$ 13,315,773.82

$ 13,515,510.42

$ 202,732.66

$ 13,515,510.42

$ 0.00

Monto solicitado
$

215,000,000.00

RIA INTERES PRIMER AO

$ 27,774,315.36

ATORIA INTERES TOTAL

$ 31,928,375.43

Periodo de gracia

Periodo
muerto

Total
periodos

NA

NA

18

Cuota Decreciente
$ 157,398.65
$ 159,759.63
$ 162,156.02
$ 164,588.36
$ 167,057.19
$ 169,563.04
$ 172,106.49
$ 174,688.09
$ 177,308.41
$ 179,968.03
$ 182,667.55
$ 185,407.57
$ 188,188.68
$ 191,011.51
$ 193,876.68
$ 196,784.83
$ 199,736.61
$ 202,732.66

4. CUOTA FIJA CON PERIODOD DE GRACIA

CAPITAL
TASA MENSUAL
PERIODOS
Plazo

$ 215,000,000.00 PERIODO DE GRACIA

1.25%
18
15

PERIODO

SALDO INICIAL

CUOTA

$ 215,000,000.00

$ 2,687,500.00

$ 215,000,000.00

$ 2,687,500.00

$ 215,000,000.00

$ 2,687,500.00

$ 215,000,000.00

$ 13,412,729.26

$ 204,274,770.74

$ 13,412,729.26

$ 193,415,476.11

$ 13,412,729.26

$ 182,420,440.30

$ 13,412,729.26

$ 171,287,966.54

$ 13,412,729.26

$ 160,016,336.86

$ 13,412,729.26

10

$ 148,603,811.81

$ 13,412,729.26

11

$ 137,048,630.20

$ 13,412,729.26

12

$ 125,349,008.81

$ 13,412,729.26

13

$ 113,503,142.16

$ 13,412,729.26

14

$ 101,509,202.17

$ 13,412,729.26

15

$ 89,365,337.94

$ 13,412,729.26

16

$ 77,069,675.40

$ 13,412,729.26

17

$ 64,620,317.08

$ 13,412,729.26

18

$ 52,015,341.78

$ 13,412,729.26

19
0
0
0
0
0

SUMATORIA INTERES PRIMER AO

SUMATORIA INTERES TOTAL

Tasa inters efectiva

mensual

Plazo

1.25%

15

INTERES

AMORTIZACION

SALDO FINAL

$ 2,687,500.00

$ 0.00

$ 215,000,000.00

$ 2,687,500.00

$ 0.00

$ 215,000,000.00

$ 2,687,500.00

$ 0.00

$ 215,000,000.00

$ 2,687,500.00

$ 10,725,229.26

$ 204,274,770.74

$ 2,553,434.63

$ 10,859,294.63

$ 193,415,476.11

$ 2,417,693.45

$ 10,995,035.81

$ 182,420,440.30

$ 2,280,255.50

$ 11,132,473.76

$ 171,287,966.54

$ 2,141,099.58

$ 11,271,629.68

$ 160,016,336.86

$ 2,000,204.21

$ 11,412,525.05

$ 148,603,811.81

$ 1,857,547.65

$ 11,555,181.61

$ 137,048,630.20

$ 1,713,107.88

$ 11,699,621.38

$ 125,349,008.81

$ 1,566,862.61

$ 11,845,866.65

$ 113,503,142.16

$ 1,418,789.28

$ 11,993,939.99

$ 101,509,202.17

$ 1,268,865.03

$ 12,143,864.23

$ 89,365,337.94

$ 1,117,066.72

$ 12,295,662.54

$ 77,069,675.40

$ 963,370.94

$ 12,449,358.32

$ 64,620,317.08

$ 807,753.96

$ 12,604,975.30

$ 52,015,341.78

$ 650,191.77

$ 12,762,537.49

$ 39,252,804.29

Monto solicitado
$

215,000,000.00
3

A INTERES PRIMER AO
ORIA INTERES TOTAL

$ 27,280,205.52
$ 33,506,243.22

Periodos de gracia

Periodo
muerto

Total
periodos

NA

18

Cuota Decreciente
$0.00
$0.00
$0.00
$134,065.37
$135,741.18
$137,437.95
$139,155.92
$140,895.37
$142,656.56
$144,439.77
$146,245.27
$148,073.33
$149,924.25
$151,798.30
$153,695.78
$155,616.98
$157,562.19
$650,191.77

5. CUOTA FIJA CON PERIODOD MUERTO

CAPITAL
TASA MENSUAL
PERIODOS AMORTIZACION

215000000 PERIODO MUERTO

1.25% PERIODOS TOTALES
12 CAPITAL AMORTIZAR

PERIODO

SALDO INICIAL

CUOTA

$ 215,000,000.00

$ 0.00

$ 217,687,500.00

$ 0.00

$ 220,408,593.75

$ 19,893,707.70

$ 203,269,993.47

$ 19,893,707.70

$ 185,917,160.69

$ 19,893,707.70

$ 168,347,417.50

$ 19,893,707.70

$ 150,558,052.52

$ 19,893,707.70

$ 132,546,320.48

$ 19,893,707.70

$ 114,309,441.79

$ 19,893,707.70

10

$ 95,844,602.12

$ 19,893,707.70

11

$ 77,148,951.94

$ 19,893,707.70

12

$ 58,219,606.14

$ 19,893,707.70

13

$ 39,053,643.52

$ 19,893,707.70

14

$ 19,648,106.37

$ 19,893,707.70

15
16
17
18

SUMATORIA INTERES PRIMER AO

SUMATORIA INTERES TOTAL

Tasa inters
efectiva mensual

Plazo

1.25%

12

INTERES

AMORTIZACION

SALDO FINAL

$ 2,687,500.00

-$ 2,687,500.00

$ 217,687,500.00

$ 2,721,093.75

-$ 2,721,093.75

$ 220,408,593.75

$ 2,755,107.42

$ 17,138,600.28

$ 203,269,993.47

$ 2,540,874.92

$ 17,352,832.78

$ 185,917,160.69

$ 2,323,964.51

$ 17,569,743.19

$ 168,347,417.50

$ 2,104,342.72

$ 17,789,364.98

$ 150,558,052.52

$ 1,881,975.66

$ 18,011,732.04

$ 132,546,320.48

$ 1,656,829.01

$ 18,236,878.69

$ 114,309,441.79

$ 1,428,868.02

$ 18,464,839.68

$ 95,844,602.12

$ 1,198,057.53

$ 18,695,650.17

$ 77,148,951.94

$ 964,361.90

$ 18,929,345.80

$ 58,219,606.14

$ 727,745.08

$ 19,165,962.62

$ 39,053,643.52

$ 488,170.54

$ 19,405,537.15

$ 19,648,106.37

$ 245,601.33

$ 19,648,106.37

$ 0.00

Monto solicitado
$

215,000,000.00
2
14
$ 220,408,593.75

IA INTERES PRIMER AO
ORIA INTERES TOTAL

$ 22,990,720.51
$ 23,724,492.38

Periodos de gracia

Periodo
muerto

Total
periodos

NA

14

Cuota Decreciente
-$33,593.75
-$34,013.67
$214,232.50
$216,910.41
$219,621.79
$222,367.06
$225,146.65
$227,960.98
$230,810.50
$233,695.63
$236,616.82
$239,574.53
$242,569.21
$245,601.33

1. AMORTIZACION FIJA A CAPITAL

CUENTA

2014

INCREMENTO

Ingreso por Ventas

$ 795,246,620 $

159,049,324.00

Costo de ventas

$ 218,326,422 $

32,748,963.30

Utilidad bruta

$ 576,920,198

Gastos operacionales

$ 180,745,422

utilidad operacional

$ 396,174,776

Gastos financieros
Utilidad antes de impuestos
Impuestos
Utilidad neta

$0
$ 396,174,776
$ 99,043,694
$ 297,131,082

L
ESTADO DE RESULTADOS
AJUSTADO
$ 954,295,944.00
$ 251,075,385.30
$ 703,220,558.70
$ 180,745,422.00
$ 522,475,136.70
$ 24,859,375.00
$ 497,615,761.70
$ 99,043,694.00
$ 398,572,067.70

2. AMORTIZACION GRADIENTE GEOMETRICO DECRECIENTE

CUENTA

2014

Ingreso por Ventas

$ 795,246,620

Costo de ventas

$ 218,326,422

Utilidad bruta

$ 576,920,198

Gastos operacionales

$ 180,745,422

utilidad operacional

$ 396,174,776

Gastos financieros

$0

Utilidad antes de impuestos

$ 396,174,776

Impuestos

$ 127,734,183

Utilidad neta

$ 268,440,593

GRADIENTE GEOMETRICO DECRECIENTE

INCREMENTO

ESTADO DE RESULTADOS
AJUSTADO

159,049,324.00

$ 954,295,944.00

32,748,963.30

$ 251,075,385.30
$ 703,220,558.70
$ 180,745,422.00
$ 522,475,136.70
$ 17,468,750.00
$ 505,006,386.70
$ 127,734,183.25
$ 377,272,203.45

3. AMORTIZACION PAGO CUOTA FIJA

CUENTA

2014

INCREMENTO

Ingreso por Ventas

$ 795,246,620 $

159,049,324.00

Costo de ventas

$ 218,326,422 $

32,748,963.30

Utilidad bruta

$ 576,920,198

Gastos operacionales

$ 180,745,422

utilidad operacional

$ 396,174,776

Gastos financieros
Utilidad antes de impuestos
Impuestos
Utilidad neta

$0
$ 396,174,776
$ 99,043,694
$ 297,131,082

IJA
ESTADO DE RESULTADOS
AJUSTADO
$ 954,295,944.00
$ 251,075,385.30
$ 703,220,558.70
$ 180,745,422.00
$ 522,475,136.70
$ 27,774,315.36
$ 494,700,821.34
$ 99,043,694.00
$ 395,657,127.34

4. CUOTA FIJA CON PERIODOD DE GRACIA

CUENTA

2014

INCREMENTO

Ingreso por Ventas

$ 795,246,620 $

159,049,324.00

Costo de ventas

$ 218,326,422 $

32,748,963.30

Utilidad bruta

$ 576,920,198

Gastos operacionales

$ 180,745,422

utilidad operacional

$ 396,174,776

Gastos financieros
Utilidad antes de impuestos
Impuestos
Utilidad neta

$0
$ 396,174,776
$ 99,043,694
$ 297,131,082

RACIA
ESTADO DE RESULTADOS
AJUSTADO
$ 954,295,944.00
$ 251,075,385.30
$ 703,220,558.70
$ 180,745,422.00
$ 522,475,136.70
$ 27,280,205.52
$ 495,194,931.18
$ 99,043,694.00
$ 396,151,237.18

5. CUOTA FIJA CON PERIODOD MUERTO

CUENTA

2014

INCREMENTO

Ingreso por Ventas

$ 795,246,620 $

159,049,324.00

Costo de ventas

$ 218,326,422 $

32,748,963.30

Utilidad bruta

$ 576,920,198

Gastos operacionales

$ 180,745,422

utilidad operacional

$ 396,174,776

Gastos financieros
Utilidad antes de impuestos
Impuestos
Utilidad neta

$0
$ 396,174,776
$ 99,043,694
$ 297,131,082

RTO
ESTADO DE RESULTADOS
AJUSTADO
$ 954,295,944.00
$ 251,075,385.30
$ 703,220,558.70
$ 180,745,422.00
$ 522,475,136.70
$ 22,990,720.51
$ 499,484,416.19
$ 99,043,694.00
$ 400,440,722.19