Anualidades: rendimiento de un depósito a una tasa de interés fija anual.

Abstract

The financial system is important for the economic development of a country, which must have the necessary controls that guarantee its liquidity by promoting savings and investment through existing financial institutions through banks, cooperatives, savings banks, fulfilling its economic and social role within the country. People with financial resources face a problem by not knowing which financial institution provides the best passive rate for their savings. Many times the savers choose a financial entity either by their presence in their city of residence or by recommendations, but does not conduct a study to find out which one offers the best performance to their savings. The purpose of the work is to establish the performance of a deposit in a national bank over a period of two years at an annual fixed interest rate. The bibliographic - documentary was used to perform mathematical calculations in the determination of the profitability of the deposits, applying the bibliographic technique to obtain information from scientific articles. In the present study, comparisons were made with three financial institutions present in the city of Machala to analyze the one that offers a better passive rate that is reflected in a better return on savings.