UNIVERSIDAD TECNOLÓGICA DE CAMPECHE

INGENIERÍA EN METAL MECÁNICA

SUBJECT:
ECONOMIC ENGINEERING

UNIT:
2. ECONOMIC CONCEPTS AND CRITERIA OF THE VALUE OF MONEY OVER
TIME

TOPIC:
COMPOUND INTEREST: EQUIVALENT CAPITAL AND ONE-TIME PAYMENT

STUDENT NAME:
RASHIÑ RAMDUL ADRIAN GONZALEZ
MAGAÑA

TEACHER NAME:
ING. MARCO ANTONIO SOSA EHUAN

GRADE & GROUP:

8C

WORK SUBMISSION DATE:

03 / 07/ 2020
 1. INTRODUCTION

Compound interest is a system that capitalizes interest, therefore, makes the

value that interest payments increase month by month, since the basis for
calculating interest it increases each time the respective interests are settled.
Compound interest is applied in the finance system; it is used in all the credits that
the banks do regardless of their modality.
The reason for the existence of this system, is due to the assumption of
reinvestment of interests by the lender. First, we must be clear that compound
interest implies that interests are capitalize [interest on interest], that is, the
interest calculated in each period is added to the capital or the previous balance.

Compound interest is more flexible and real, since it values period by period the
money really engaged in the financial operation and for this reason it is the
interest rate most used in economic activities. The above, requires a correct
elaboration of the time diagram and the It is important to locate the money
correctly and accurately over time. Finally, it is convenient claim that compound
interest is used in Economic Engineering, Financial Mathematics, Project
Evaluation and in general throughout the Colombian financial
 2. OBJETIVO DE APRENDIZAJE DEL
TEMA:

Emplear las fórmulas de interés compuesto para la solución de ejercicios

relacionados al valor del dinero a través del tiempo para capital equivalente y
pago único

3. DESARROLLO DE LA
ACTIVIDAD

3.1. Resolver los siguientes ejercicios.

1.- Encuentre un capital equivalente en 3 años a ot0ro de $174,867.34 en 6 años, a la

tasa de 38.14% anual

0.3814
i= =0.0010
360

M =$ 174,867.34

( 3 ) ( 30.4167 )=91.2501

M
C=
¿¿

0.3814
n= =0.0010
360

C=15,9624.3311

6 años (6 )( 30.4167 )=182.5002

M =C ¿

M =15,9624.3311 ¿

M
C=
¿¿
2.- Determine la cantidad que debe pagarse por una deuda de $174,579.36 a los 6
meses y 18 días, si en un principio se pactó a 1 mes y 16 días con una tasa de
39.35% anual.

0.3935
i= =0.0010
360

M =174,579.36

6 meses ,18 dias ( 6 ) ( 30.4167 ) +18=200.5002

M
C=
¿¿

0.3935
n= =0.0010
360

C=142,876.3265

1 mes ,16 dias ( 1 ) ( 30.4167 ) +16=46.4167

M =C ¿

M =142,876.3265 ¿

M
C=
¿¿
3.-Se desea documentar 3 pagarés que se adeudan y sustituirlos por uno solo de

$236,500 ya que el flujo de efectivo no será suficiente al vencer los originales. Además,
se quiere saber qué tiempo tendrá para pagar, con una tasa pactada de
43.19% anual en el nuevo documento.

a) Un pagaré por $63,268.99 a pagar en 2 años con tasa de 37.19% anual

b) Un pagaré por $75,777.88 a pagar en 3 semestres al 39.28% anual
c) Un pagaré por $125,752.20 a pagar en 5 trimestres al 42.70% anual

Primer Documento.

i=0.371 9 n=2 M =63,268.99

M = $ 33,615.9964
C=
¿¿

Segundo Documento
i=0.3928 n=3 M =75,777.88
M
C=
¿¿

Tercero Documento.

i=0.4270 n=5 M =125,752.20

M
C=
¿¿

$ 33,615.9964+28,046.3388+21,251.8002
C=Total=$ 82914.1354
n=3 i=0.4319
M =C ¿
M =82914.1354 ¿
 4. CONCLUSIONES

In compound interest, the interest calculation is applied several times during

the loan or investment period, specific to each time it is capitalized. Interest
made up of higher interest than simple interest because it gives interest on
interest, which makes it attractive to be used by banks to calculate interest on
savings accounts and certificates of deposit. The interest earned in each period
is reinvested or added to the principal or initial balance, becoming the new
principal for the following period.

In other words, it could be defined as the financial operation in which the capital
increases at the end of each period by the sum of the interest due. The total
amount obtained at the end is known as compound amount or future value. To
the difference between the amount compound and the original capital is called
compound interest and for its calculation it can be used without no problem
equality.
 5. FUENTES DE INFORMACIÓN

EHUAN, I. M. (29 de JUNIO de 2020). INTERÉS COMPUESTO.

INGENIERÍA ECONÓMICA . CD. DEL CARMEN.
Requerimiento de entrega de la tarea
1. Seguir el formato anterior propuesto.
2. Describir metodología de solución para los ejercicios de interés compuesto
3. Enviar la investigación en formato WORD, en caso de desajuste PDF
4. Fecha límite de entrega 03 de julio 2020
RÚBRICA DE EVALUACIÓN
CRITERIOS EXCELENTE BUENO SATISFACTORIO DEFICIENTE
(10) (9) (8) (7 O MENOS)
ENTREGA A TIEMPO
PORTADA
INTRODUCCIÓN, CONCLUSIÓN Y
BIBLIOGRAFÍA
DESARROLLO DE METODOLOGÍA DE LOS
EJERCICIOS
CUMPLIÓ CON TODOS LOS REQUISITOS