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EMPRESA:
PRODUCTO:
DOCENTE
ALUMNOS:
ROJAS PINTADO, KAREN
CERVANTES RUTH
LA ROSA HUAMAN, EDUARDO
ndice
1. Descripcin
2. Estudio Legal
3. Estudio de Mercado
4. Estudio Tcnico
5. Estudio Econmico
6. Estudio Financiero
Cuentas de Ahorro (4)
Informacin
Clculos financieros
Cuentas de Crdito (4)
Informacin
Clculos financieros
7. Conclusiones
Valor de
Venta
ACTIVOS
Unidades
IGV
Importe ($)
Activos Tangibles
* Muebles y Enseres
Escritorio
S/. 1,312.00
S/. 288.00
Sillas
S/. 328.00
S/. 72.00
Archivador
S/. 164.00
S/. 36.00
15
S/. 2,460.00
S/. 540.00
15
S/. 1,230.00
S/. 270.00
S/.
1,600.00
S/.
400.00
S/.
200.00
S/.
3,000.00
S/.
2%
0%
0%
3%
1%
Subtotal
* Computo
laptops
S/. 8,200.00
S/. 1,800.00
Impresora
S/. 1,476.00
S/. 324.00
Subtotal
* Maquinaria
Mquinas de Corte
Mquinas de Coser
Maquinas Remalladoras
Planchas Industriales
Subtotal
10%
2%
12%
5
5
5
S/. 4,100.00
S/. 6,150.00
S/. 4,920.00
S/. 900.00
S/. 1,350.00
S/. 1,080.00
S/. 5,000.00
S/. 7,500.00
S/. 6,000.00
5%
8%
6%
S/. 4,100.00
S/. 900.00
S/. 5,000.00
5%
S/. 23,500.00
24%
S/. 42,000.00
42%
S/. 100.00
S/. 400.00
S/. 500.00
0%
0%
1%
Total Activos
Estatutos - Minuta
Constituir la empresa
Subtotal
S/.
10,000.00
S/.
1,800.00
S/. 11,800.00
7%
Pgina Web
S/. 82.00
S/. 18.00
Tarjeta de
presentacin
100
S/. 82.00
S/. 18.00
Muestras
30
S/. 246.00
S/. 54.00
Subtotal
S/.
100.00
S/.
100.00
S/.
300.00
S/. 500.00
0%
0%
0%
1%
* Gastos Administrativos
Gerente General
Ejecutivo de Finanzas
Ejecutivo de
Produccin
Ejecutivo de Ventas
Costureros
15
Agua
Luz
Telfono / Internet
tiles de oficina
Alquiler comercial
Subtotal
Total Gastos
Capital de trabajo
Prendas
S/.
3,000.00
S/.
S/. 1,476.00
S/. 324.00
1,800.00
S/.
S/. 1,476.00
S/. 324.00
1,800.00
S/.
S/. 1,476.00
S/. 324.00
1,800.00
S/.
S/. 12,300.00 S/. 2,700.00
15,000.00
S/.
S/. 82.00
S/. 18.00
100.00
S/.
S/. 287.00
S/. 63.00
350.00
S/.
S/. 123.00
S/. 27.00
150.00
S/.
S/. 164.00
S/. 36.00
200.00
S/.
S/. 1,312.00
S/. 288.00
1,600.00
S/. 25,800.00
S/. 26,800.00
Valor de
IGV
Importe ($)
Venta
S/. 2,460.00
S/. 540.00
3%
2%
2%
2%
15%
0%
0%
0%
0%
2%
26%
27%
3000
3000
3000
3000
S/. 16,500.00
S/. 12,000.00
S/. 1,500.00
S/. 1,200.00
S/. 31,200.00
S/. 100,000.00
17%
12%
2%
1%
31%
100%
5. Estudio Financiero
Accionistas
Ahorro
Crdito
Total
Ruth Cervantes
S/. 12,500.00
S/. 12,500.00
S/. 25,000.00
Karen Rojas
S/. 12,500.00
S/. 12,500.00
S/. 25,000.00
Eduardo La Rosa
S/. 12,500.00
S/. 12,500.00
S/. 25,000.00
Jenner Estrada
S/. 12,500.00
S/. 12,500.00
S/. 25,000.00
Total
S/. 50,000.00
S/. 50,000.00
S/. 100,000.00
6. CUENTAS
1. Cuenta de Ahorro: CUENTA PREMIO BCP (Ruth Cervantes)
Caractersticas
Requisitos
-
CUENTA PREMIO
TEM = 0.04157148447%
FDFA = 12500 (
Guardar en A
A%
) = 1039.29
12
( 1+ A %) -1
TEA
0.500%
VF
12500
ABONO
FDFA
TEM
0.04157148447%
12 meses
1039.29
Inters
Cuota
Saldo
1,039.29
S/. 1,039.29
0.43
1,039.29
S/. 2,079.01
0.86
1,039.29
S/. 3,119.16
1.30
1,039.29
S/. 4,159.74
1.73
1,039.29
S/. 5,200.76
2.16
1,039.29
S/. 6,242.21
2.59
1,039.29
S/. 7,284.09
3.03
1,039.29
S/. 8,326.40
3.46
1,039.29
S/. 9,369.15
10
3.89
1,039.29
S/. 10,412.33
11
4.33
1,039.29
S/. 11,455.95
12
4.76
1,039.29
S/. 12,500.00
S/. 12,468.00
Intereses Ganados: S/. 32.00
2. Cuenta de credito ESTUDIOS (Ruth Cervantes)
Caracteristicas
-
CUENTA ESTUDIOS
1
12
TEM =( 1+ 10 ) 1
TEM =0.7974140429
1+ A
1+ A
(121)= 1096.44
A ( 12)
FRC=12500
Guardar en A
10%
0.7974140429
VI
N
12500
12 meses
FRC
ABONO
1096.44
1
2
3
4
5
6
7
8
9
10
11
12
Amortizacin
Inters
S/. 996.77
S/. 99.68
S/. 1,004.72
S/. 91.73
S/. 1,012.73
S/. 83.72
S/. 1,020.80
S/. 75.64
S/. 1,028.94
S/. 67.50
S/. 1,037.15
S/. 59.30
S/. 1,045.42
S/. 51.03
S/. 1,053.75
S/. 42.69
S/. 1,062.16
S/. 34.29
S/. 1,070.63
S/. 25.82
S/. 1,079.16
S/. 17.28
S/. 1,087.77
S/. 12,500.00
S/. 8.67
S/. 657.33
Cuota
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
S/.
1,096.44
Saldo
S/.
12,500.00
S/.
11,503.23
S/.
10,498.52
S/. 9,485.79
S/. 8,464.99
S/. 7,436.04
S/. 6,398.89
S/. 5,353.48
S/. 4,299.72
S/. 3,237.56
S/. 2,166.94
S/. 1,087.77
S/. 0.00
Requisitos
-
CUENTA SUELDO
TEM = (1+0.123% ) -1
TEM = 0.0102442261%
FDFA = 12500 (
Guardar en A
A%
) = 1041.08
12
( 1+ A %) -1
0.123%
VF
12500
TEM
0.0102442261%
12 meses
ABONO
FDFA
12 Meses
Inters
Cuota
1,041.08
1
2
0.11
0.21
0.32
0.43
0.53
0.64
0.75
0.85
10
0.96
11
1.07
12
1.17
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1,041.08
1041.08
Saldo
S/. 1,041.08
S/. 2,082.27
S/. 3,123.56
S/. 4,164.96
S/. 5,206.47
S/. 6,248.08
S/. 7,289.80
S/. 8,331.63
S/. 9,373.56
S/. 10,415.60
S/. 11,457.75
S/. 12,500.00
Requisitos
- Copia del Documento de Identidad de los solicitantes.
- Copia de ltimo recibo de servicios (luz, agua) del domicilio del
solicitante o titular de la empresa.
-
TEM =( 1+ 60 ) 12 1
1+ A
( 121)= 1331.47
A ( 12)
FRC=125000
12 Meses
60 %
0.03994410769
Amortizaci
n
VI
N
12500
12 meses
Inters
FRC
Cuota
ABONO
1331.47
Saldo
S/. 12,500.00
S/. 832.17
S/. 499.30
S/. 1,331.47
S/. 11,667.83
S/. 865.41
S/. 466.06
S/. 1,331.47
S/. 10,802.42
3
4
5
6
7
8
9
10
11
12
S/. 899.98
S/. 431.49
S/. 1,331.47
S/. 9,902.44
S/. 935.93
S/. 395.54
S/. 1,331.47
S/. 8,966.52
S/. 973.31
S/. 358.16
S/. 1,331.47
S/. 7,993.21
S/. 1,012.19
S/. 319.28
S/. 1,331.47
S/. 6,981.02
S/. 1,052.62
S/. 278.85
S/. 1,331.47
S/. 5,928.40
S/. 1,094.67
S/. 236.80
S/. 1,331.47
S/. 4,833.73
S/. 1,138.39
S/. 193.08
S/. 1,331.47
S/. 3,695.34
S/. 1,183.86
S/. 147.61
S/. 1,331.47
S/. 2,511.48
S/. 1,231.15
S/. 100.32
S/. 1,331.47
S/. 1,280.33
S/. 1,280.33
S/. 51.14
S/. 1,331.47
S/. 0.00
S/. 12,500.00
S/.
3,447.64
Requisitos
- Presentar el DNI o pasaporte vigente.
- El cliente debe estar presente para poder solicitar la cuenta.
= S/. 12 165. 45
Requisitos
-
TEM =( 1+ 43 )12 1
1+ A
1+ A
( 121)=
A ( 12)
FRC=125000
1257.69
43%
0.03025485502
VI
N
12500
12 meses
FRC
ABONO
1257.69
12
Meses
Amortizacin
Inters
Cuota
Saldo
1
2
3
4
5
6
7
8
9
10
11
12
S/. 879.50
S/. 906.11
S/. 933.53
S/. 961.77
S/. 990.87
S/. 1,020.85
S/. 1,051.73
S/. 1,083.55
S/. 1,116.33
S/. 1,150.11
S/. 1,184.90
S/. 1,220.75
S/. 378.19
S/. 351.58
S/. 324.16
S/. 295.92
S/. 266.82
S/. 236.84
S/. 205.96
S/. 174.14
S/. 141.35
S/. 107.58
S/. 72.78
S/. 36.93
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
S/. 1,257.69
12500
S/. 11,620.50
S/. 10,714.39
S/. 9,780.86
S/. 8,819.09
S/. 7,828.23
S/. 6,807.38
S/. 5,755.65
S/. 4,672.10
S/. 3,555.77
S/. 2,405.66
S/. 1,220.75
S/. 0.00
S/12.500
S/.
2592.25
Los plazos de tiempo de tu depsito son: 30, 60, 90, 180 y 360 das
Requisitos
- Presentar el DNI o pasaporte vigente.
- El cliente debe estar presente para poder solicitar la cuenta.
= $ 3792.41
TEM =0.9112468437
1+ A
1+ A
( 121)= 1104.39
A ( 12)
FRC=125000
Guardar en A
12%
0.9112468437%
Amortizacin
VI
12500
12 meses
Inters
FRC
Cuota
S/. 990.49
S/. 113.91
S/. 1,104.39
S/. 999.51
S/. 1,008.62
S/. 1,017.81
S/. 1,027.09
S/. 104.88
S/. 95.77
S/. 86.58
S/. 77.31
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
ABONO
1104.39
Saldo
12500
S/.
11,509.51
S/.
10,510.00
S/. 9,501.38
S/. 8,483.57
S/. 7,456.49
S/. 1,036.44
S/. 1,045.89
S/. 1,055.42
S/. 1,065.04
S/. 1,074.74
S/. 1,084.54
S/. 1,094.42
S/. 12,500.00
S/. 67.95
S/. 58.50
S/. 48.97
S/. 39.35
S/. 29.65
S/. 19.86
S/. 9.97
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 1,104.39
S/. 6,420.04
S/. 5,374.15
S/. 4,318.73
S/. 3,253.70
S/. 2,178.95
S/. 1,094.42
S/. 0.00
S/. 752.70
CONCLUSIONES
De acuerdo con el desarrollo del trabajo, respecto a las Cuentas de Ahorro la
que ms nos conviene es la CUENTA DE DEPOSITO A PLAZO FIJO ya que
ofrece la mejor tasa de 2.75%, paga mayores intereses que las dems cuentas,
y as nos beneficiaremos incrementando nuestro saldo.
Por otro lado respecto a las Cuentas de Crdito, la que ms nos conviene es la
CUENTA DE ESTUDIOS, que ofrece la menor tasa: 10%, y nos cobra menos
intereses para pagar. Pero tambin podemos considerar la CUENTA DE
CREDITO CON GARANTIA LIQUIDA, ya que tambin ofrece una tasa baja de
11.5% y cobra pocos intereses.