Flujo de Caja Proyectado a 36 Meses, Cuotas Mensuales

Detalles mes 0 mes 01 mes 02 mes 03 mes 04 mes 05

Saldos Iniciales 235.59 3,510.59 6,664.76 9,823.10 12,985.60 16,152.27
Financiamiento Bancario (Banco Venezuela) 18,000.00
Ventas de Yogurts 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17

Total Entradas 18,235.59 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17

Total Saldo Disponinles 18,235.59 10,378.76 13,532.93 16,691.27 19,853.77 23,020.44

Salidas:
Inversión
Maquinqs y Equipos 9,245.00
Mobiliario y Equipos 3,800.00
Utencilios y Herramientas 1,500.00
Gastos de Produccion y Operativos:
Materia prima 2,853.00 2,853.00 2,853.00 2,853.00 2,853.00
Mano de Obra 110.00 110.00 110.00 110.00 110.00
Gastos Operativos 101.00 101.00 101.00 101.00 101.00
Gastos Financieros 180.00
Amortizacion de Capital 500.00 500.00 500.00 500.00 500.00
Amortizacion de Interes s/saldo 150.00 145.83 141.67 137.50 133.33
total salidas 14,725.00 3,714.00 3,709.83 3,705.67 3,701.50 3,697.33
Saldos a finales de Mes 3,510.59 6,664.76 9,823.10 12,985.60 16,152.27 19,323.11

Variacion inter-anual es de 2,67

según inflacion publicada por el BCV. Inv. Incicial
-18,000.00 6,664.76 9,823.10 12,985.60 16,152.27 19,323.11
Tasa de Interes
10%
 Monto Saldo Disp
Valor Actual Neto (VAN) Tasa de Interes Inversion por mes Total VAN

VAN 10% -18,000.00 5,488,390.98 531,990.09

Monto Saldo Disp por

Tasa Interna de Retorno (TIR) Tasa de Interes Inversion mes Total TIR

TIR -18,000.00 5,488,390.98 65%

mes 06 mes 07 mes 08 mes 09 mes 10 mes 11 mes 12 mes 13 mes 14 mes 15 mes 16
19,323.11 22,498.11 25,677.28 28,860.62 32,048.12 35,239.79 38,435.63 41,635.63 51,192.77 60,754.07 70,319.53

6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 18,338.01 18,338.01 18,338.01 18,338.01

6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 6,868.17 18,338.01 18,338.01 18,338.01 18,338.01
26,191.28 29,366.28 32,545.45 35,728.79 38,916.29 42,107.96 45,303.80 59,973.65 69,530.78 79,092.08 88,657.55

2,853.00 2,853.00 2,853.00 2,853.00 2,853.00 2,853.00 2,853.00 7,617.51 7,617.51 7,617.51 7,617.51
110.00 110.00 110.00 110.00 110.00 110.00 110.00 293.70 293.70 293.70 293.70
101.00 101.00 101.00 101.00 101.00 101.00 101.00 269.67 269.67 269.67 269.67

500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00
129.17 125.00 120.83 116.67 112.50 108.33 104.17 100.00 95.83 91.67 87.50
3,693.17 3,689.00 3,684.83 3,680.67 3,676.50 3,672.33 3,668.17 8,780.88 8,776.71 8,772.55 8,768.38
22,498.11 25,677.28 28,860.62 32,048.12 35,239.79 38,435.63 41,635.63 51,192.77 60,754.07 70,319.53 79,889.17

Saldos D

22,498.11 25,677.28 28,860.62 32,048.12 35,239.79 38,435.63 41,635.63 51,192.77 60,754.07 70,319.53 79,889.17
mes 17 mes 18 mes 19 mes 20 mes 21 mes 22 mes 23 mes 24 mes 25 mes 26
79,889.17 89,462.97 99,040.94 108,623.07 118,209.37 127,799.84 137,394.47 146,993.27 156,596.24 183,165.79

18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 48,962.50 48,962.50

18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 18,338.01 48,962.50 48,962.50
98,227.18 107,800.98 117,378.95 126,961.08 136,547.38 146,137.85 155,732.49 165,331.29 205,558.74 232,128.28

7,617.51 7,617.51 7,617.51 7,617.51 7,617.51 7,617.51 7,617.51 7,617.51 20,338.75 20,338.75
293.70 293.70 293.70 293.70 293.70 293.70 293.70 293.70 784.18 784.18
269.67 269.67 269.67 269.67 269.67 269.67 269.67 269.67 720.02 720.02

500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00
83.33 79.17 75.00 70.83 66.67 62.50 58.33 54.17 50.00 45.83
8,764.21 8,760.05 8,755.88 8,751.71 8,747.55 8,743.38 8,739.21 8,735.05 22,392.95 22,388.78
89,462.97 99,040.94 108,623.07 118,209.37 127,799.84 137,394.47 146,993.27 156,596.24 183,165.79 209,739.50

Saldos Disponibles al final de cada Mes

89,462.97 99,040.94 108,623.07 118,209.37 127,799.84 137,394.47 146,993.27 156,596.24 183,165.79 209,739.50
 mes 27 mes 28 mes 29 mes 30 mes 31 mes 32 mes 33 mes 34 mes 35 mes 36 totales
209,739.50 236,317.38 262,899.43 289,485.64 316,076.02 342,670.57 369,269.29 395,872.17 422,479.21 449,090.43 235.59
18,000.00
48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 890,024.17

48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 48,962.50 890,024.17
258,702.00 285,279.88 311,861.93 338,448.14 365,038.52 391,633.07 418,231.78 444,834.66 471,441.71 498,052.93 908,259.76

9,245.00
3,800.00
1,500.00

20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 20,338.75 369,711.14
784.18 784.18 784.18 784.18 784.18 784.18 784.18 784.18 784.18 784.18 14,254.55
720.02 720.02 720.02 720.02 720.02 720.02 720.02 720.02 720.02 720.02 13,088.27
180.00
500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 18,000.00
41.67 37.50 33.33 29.17 25.00 20.83 16.67 12.50 8.33 4.17 2,775.00
22,384.62 22,380.45 22,376.28 22,372.12 22,367.95 22,363.78 22,359.62 22,355.45 22,351.28 22,347.12 432,553.96
236,317.38 262,899.43 289,485.64 316,076.02 342,670.57 369,269.29 395,872.17 422,479.21 449,090.43 475,705.81 475,705.81

236,317.38 262,899.43 289,485.64 316,076.02 342,670.57 369,269.29 395,872.17 422,479.21 449,090.43 475,705.81
 TABLA DE AMORTIZACION MENSUAL

Capital 18,000.00
Tasa de Interes 4 a 10%
Comision Flax 1%
Periodo de Gracia 3 meses
Cuotas 36 meses 500.00

saldo de
Cuotas Cuota a Capital Intereses Total Cuota capital
Monto Solicitado 18,000.00
1 500.00 150.00 650.00 17,500.00
2 500.00 145.83 645.83 17,000.00
3 500.00 141.67 641.67 16,500.00
4 500.00 137.50 637.50 16,000.00
5 500.00 133.33 633.33 15,500.00
6 500.00 129.17 629.17 15,000.00
7 500.00 125.00 625.00 14,500.00
8 500.00 120.83 620.83 14,000.00
9 500.00 116.67 616.67 13,500.00
10 500.00 112.50 612.50 13,000.00
11 500.00 108.33 608.33 12,500.00
12 500.00 104.17 604.17 12,000.00
13 500.00 100.00 600.00 11,500.00
14 500.00 95.83 595.83 11,000.00
15 500.00 91.67 591.67 10,500.00
16 500.00 87.50 587.50 10,000.00
17 500.00 83.33 583.33 9,500.00
18 500.00 79.17 579.17 9,000.00
19 500.00 75.00 575.00 8,500.00
20 500.00 70.83 570.83 8,000.00
21 500.00 66.67 566.67 7,500.00
22 500.00 62.50 562.50 7,000.00
23 500.00 58.33 558.33 6,500.00
24 500.00 54.17 554.17 6,000.00
25 500.00 50.00 550.00 5,500.00
26 500.00 45.83 545.83 5,000.00
27 500.00 41.67 541.67 4,500.00
28 500.00 37.50 537.50 4,000.00
29 500.00 33.33 533.33 3,500.00
30 500.00 29.17 529.17 3,000.00
31 500.00 25.00 525.00 2,500.00
32 500.00 20.83 520.83 2,000.00
33 500.00 16.67 516.67 1,500.00
34 500.00 12.50 512.50 1,000.00
35 500.00 8.33 508.33 500.00
36 500.00 4.17 504.17 -
18,000.00 2,775.00 20,775.00 -