El interés compuesto en la toma de decisiones de una deuda financiera.

Abstract

The acquisition of debts is an activity that companies or people usually go to cover their needs. However, when in debt they must know if the amount and terms chosen are the most convenient for their economic interests, knowing that in any debt incurred, interest must be canceled, and it is convenient to have certain knowledge about financial analysis. In financial mathematics there are two types of interests, simple and compound. The simple one is that the capital remains unchanged but the interest is not reinvested. Instead the compound interests are reinvested by adding to the initial capital. The latter being the most used by financial institutions. The general objective is to establish the conditions of compound interest in the decision making of a financial debt. The specific objectives are to determine the benefits of applying compound interest in a financial debt; elaborate the convenience of making the payment of a debt with the application of compound interest in an application exercise. The result of the work served to determine the amount that the person will pay for interest on the capital invested or borrowed, information that allows making financial decisions about their benefit, analyzing their economic situation to determine if the acquired credit is convenient otherwise reduce the agreed deadlines or look for alternatives to make your cash payment.