Análisis del fondo de amortización como método financiero para el cumplimiento de obligaciones empresariales.

Abstract

The objective of the present investigation was to analyze a repayment fund that fits the investment requirements of a company by collecting information in financial institutions for the acquisition of a vehicle. For this reason, the quantitative method is applied through sources of information, analytical-synthetic method with the collection of data based on an analysis of the interview conducted at the Jardín Azuayo Savings and Credit Cooperative and the bibliographic method through research Documentary of various scientific journals and books that relate to the topic of repayment fund, interest rate, financial system, financial mathematics. The main result of the investigation showed that the interest rate is higher than other financial institutions, where for the 36 months it corresponds to a percentage of 8% that the entity has as a passive rate generating a monthly payment value of $ 616.74 that at the end of the fund the required $ 25,000.00 is required for the purchase of the vehicle. Therefore, the conclusion of the investigation carried out is the amortization fund resulting from an important instrument for companies or individuals, as it allows payments to be determined monthly, quarterly, daily or periodically according to the conditions agreed upon, and This, in turn, allows future savings to be generated that are paid at an interest according to what the financial institutions dictate, in this way the outstanding debts of loans or obligations can be compensated or covered.