Es una empresa dedicada al cultivo de

hortalizas orgnicas, para aquellas

personas que deseen cuidar su salud
con
alimentos
saludables
comprometida con el cuidado de la
salud y la conservacin del medio
ambiente; constituyndose como una
unidad de negocio rentable.

Cada da las personas estn preocupndose por la salud, buscando alimentarse

de manera sana, para as mejorar su calidad de vida y prolongar su existencia
el mayor tiempo posible. Es por eso que las empresas estn pensando ms en el
medio ambiente, en cmo conservarlo y como ayudar a que los ecosistemas
perduren para que se pueda pensar en un futuro con todos los recursos que
tenemos hasta hoy, ofreciendo al mercado productos que estn libres de
contaminantes, que sean amigables con el ecosistema y traiga beneficios para
la humanidad.
Por esta razn surge la idea de crear una empresa que brinde al mercado
productos como las hortalizas orgnicas, que ayudan a mejorar la salud y el
bienestar de las personas, puesto que son productos que van a beneficiar el
funcionamiento del organismo.
Adems, que en su desarrollo los cultivos no contengan abonos, fertilizantes,
ni pesticidas qumicos, lo cual hace que sean hortalizas 100% naturales,
contribuyendo con el cuidado y la conservacin del medio ambiente, ayudando
a rescatar los suelos, al abonarlos de una manera mucho ms natural,
fortalecindolos y hacindolos mejores tierras para nuevos sembrados.

SEMILLAS

VALOR TOTAL

Lechuga

$ 13.000

Acelga

$ 22.000

Cilantro

$ 11.000

Repollo

$ 53.000

Abono humus, Gallinaza

$ 105.000

Fertilizante del suelo

$ 14.500

Fertilizante foliar

$ 17.500

Plaguicida

$ 57.500

TOTAL

$ 293.500

MANO DE OBRA

VALOR TOTAL

De construccin

$ 168.500

Asistentes de cultivo

$ 14.220.000

TOTAL

$ 14.388.500

CONCEPTO

VALOR TOTAL

Rastrillos

$ 19. 050

Motobomba

$ 465.000

Machetes

Fumigadora manual

$ 140.000

Mangueras de riego

$ 52.000

TOTAL

$ 685.750

9.700

CONCEPTO

VALOR TOTAL

Estructura

$ 416.300

Plstico

$ 124.800

Sistema de riego

$ 5.350

Cinta de riego

$ 20.300

Piezas de madera

$ 245.550

Grapas

$ 4.200

Clavos

$ 6.100

Alambre

$ 7.000

Bisagras

$ 4.500

TOTAL

$ 874.600

TOTAL INVERSION

$ 16.242.350

P = 10000.000
n = 36 meses
i = 25% E.A.

0.25 /12 = 0.020833333 E.M.

P = 10000.000
i = 0.020833333 E.M.
0

4
A

36 meses

a = 397.598,2569
a = S * i / 1 (1+i) n
a = 10000.000 * 0.020833333 /
1 (1+0.020833333) -36

a = 208.333,33 / 0.523979485
a = 397.598,2569

Cuanto voy a pagar al cabo de 36 meses con depsitos mensuales de

$397.598,2569 una tasa efectiva anual del 25%?

a = 397.598,2569
n = 36 meses
i = 25% E.A

0.25 /12 = 0.020833333 E.M.

S = a { (1+i) n - 1/ i }
S = 397.598,2569 { (1+ 0.020833333 ) 36 - 1/ 0.020833333 }
S = 397.598,2569 { 1,100749798 / 0,020833333 }
S = 397.598,2569 (52,83599114)
S = 21007.497,98

Mes

Intereses a pagar

Abono a capital

Saldo Obligacin

$208,333.33

$189,264.93

$9,810,735.07

$204,390.31

$193,207.94

$9,617,527.13

$200,365.15

$197,233.11

$9,420,294.02

$196,256.13

$201,342.13

$9,218,951.89

$192,061.50

$205,536.76

$9,013,415.12

$187,779.48

$209,818.78

$8,803,596.35

$183,408.26

$214,190.00

$8,589,406.34

$178,945.97

$218,652.29

$8,370,754.05

$174,390.71

$223,207.55

$8,147,546.50

10

$169,740.55

$227,857.71

$7,919,688.79

11

$164,993.52

$232,604.74

$7,687,084.05

12

$160,147.58

$237,450.67

$7,449,633.38

Totales para el ao 1
Usted pagar $4,771,179.11 por su obligacin en el ao 1
$2,220,812.49 se irn a INTERESES
$2,550,366.62 se abonara a la OBLIGACIN

Mes Intereses a pagar

13
14
15
16
17
18
19
20
21
22
23
24

$155,200.70
$150,150.75
$144,995.59
$139,733.03
$134,360.84
$128,876.73
$123,278.36
$117,563.37
$111,729.31
$105,773.70
$99,694.02
$93,487.69

Abono a capital
$242,397.56
$247,447.51
$252,602.67
$257,865.23
$263,237.42
$268,721.53
$274,319.90
$280,034.89
$285,868.95
$291,824.56
$297,904.23
$304,110.57

Saldo Obligacin
$7,207,235.81
$6,959,788.30
$6,707,185.63
$6,449,320.41
$6,186,082.99
$5,917,361.46
$5,643,041.56
$5,363,006.67
$5,077,137.72
$4,785,313.16
$4,487,408.93
$4,183,298.35

Totales para el ao 2
Usted pagar $4,771,179.11 por su obligacin en el ao 2
$1,504,844.08 se irn a INTERESES
$3,266,335.02 se abonara a la OBLIGACIN

Mes

Intereses a pagar

Abono a capital

Saldo Obligacin

25
26

$87,152.05
$80,684.42

$310,446.21
$316,913.84

$3,872,852.14
$3,555,938.30

27
28
29
30
31
32
33
34
35
36

$74,082.05
$323,516.21
$3,232,422.09
$67,342.13
$330,256.13
$2,902,165.96
$60,461.79
$337,136.47
$2,565,029.49
$53,438.11
$344,160.14
$2,220,869.35
$46,268.11
$351,330.15
$1,869,539.20
$38,948.73
$358,649.53
$1,510,889.67
$31,476.87
$366,121.39
$1,144,768.28
$23,849.34
$373,748.92
$771,019.36
$16,062.90
$381,535.36
$389,484.01
$8,114.25
$389,484.01
$-0.00
Totales para el ao 3
Usted pagar $4,771,179.11 por su obligacin en el ao 3
$587,880.75 se irn a INTERESES
$4,183,298.35 se abonara a la OBLIGACIN

S = 3000.000
n = 3 meses
i = 4,3776 % E.M. A.
3000.000
________________________
0
R1
R2
R3

a = S * i / 1 (1+i) n

a = 3000.000 * 0.043776 / 1 (1+0.043776) 3

a = 131.228 / 1 (0.879383028)
a = 131.228 / 0.120616971
a = 1088.802,003

TABLA DE
CAPITALIZACION
PERIODO

ACUMULADO

INTERESES

DEPOSITO

INCREMENTO

1088.802,003

0,00

1088.802,003

1088.802,003

2225.267,402

47.663,39648

1088.802,003

1136.465,399

3411.482,711

97.413,30581

1088.802,003

1186.215,309

S = 3000.000 (1 + 0.043776) 3

S = 3000.000 (1,137160904)
S = 3411.482,711

ITEMS

INGRESOS
Recursos propios

3242.350

Prstamo

10000.000

Capitalizacin

3000.000

CDT

1088.802,003

EGRESOS
Cuota Prstamos

397.598,2569

397.598,2569

397.598,2569

Materias Primas

293.500

293.500

293.500

Mano de obra

4033.684,409

4033.684,409

4033.684,409

Infraestructura

874.600
4431.098,257

4535.698,257

TOTAL

16242.350

6394.500,26

P = $10000.000
n = 36 meses
i = 28,8595% E.A

0.288595 /12 = 0.024049583 E.M.

a = S * i / 1 (1+i) n
a = 10000.000 * 0.024049583 / 1 (1 + 0.024049583) -36
a = 240.495,8333 / 0.574945578
a = 418.293,2127

Amortizacin para Pago Mensual: $418,293.21 sobre

36 meses
Mes
1
2
3
4
5
6
7
8
9
10
11
12

Intereses a pagar

Abono a capital

Saldo Obligacin

$240,495.83
$177,797.38
$9,822,202.62
$236,219.88
$182,073.33
$9,640,129.30
$231,841.09
$186,452.12
$9,453,677.18
$227,357.00
$190,936.21
$9,262,740.97
$222,765.06
$195,528.15
$9,067,212.82
$218,062.69
$200,230.52
$8,866,982.30
$213,247.23
$205,045.98
$8,661,936.32
$208,315.96
$209,977.25
$8,451,959.07
$203,266.09
$215,027.12
$8,236,931.96
$198,094.78
$220,198.43
$8,016,733.53
$192,799.10
$225,494.11
$7,791,239.42
$187,376.06
$230,917.15
$7,560,322.27
Totales para el ao 1
Usted pagar $5,019,518.51 por su obligacin en el ao 1
$2,579,840.78 se irn a INTERESES
$2,439,677.73 se abonara a la OBLIGACIN

Mes

13
14
15
16
17
18
19
20
21
22
23
24

Intereses a pagar

Abono a capital

Saldo Obligacin

$181,822.60
$236,470.61
$7,323,851.66
$176,135.58
$242,157.63
$7,081,694.04
$170,311.79
$247,981.42
$6,833,712.62
$164,347.94
$253,945.27
$6,579,767.35
$158,240.66
$260,052.55
$6,319,714.80
$151,986.51
$266,306.70
$6,053,408.10
$145,581.94
$272,711.27
$5,780,696.83
$139,023.35
$279,269.86
$5,501,426.98
$132,307.03
$285,986.18
$5,215,440.79
$125,429.18
$292,864.03
$4,922,576.76
$118,385.92
$299,907.29
$4,622,669.47
$111,173.27
$307,119.93
$4,315,549.54
Totales para el ao 2
Usted pagar $5,019,518.51 por su obligacin en el ao 2
$1,774,745.78 se irn a INTERESES
$3,244,772.73 se abonara a la OBLIGACIN

Mes
25
26
27
28
29
30
31
32
33
34
35
36

Intereses a pagar

Abono a capital

Saldo Obligacin

$103,787.17
$314,506.04
$4,001,043.50
$96,223.43
$322,069.78
$3,678,973.72
$88,477.79
$329,815.42
$3,349,158.29
$80,545.86
$337,747.35
$3,011,410.95
$72,423.18
$345,870.03
$2,665,540.92
$64,105.15
$354,188.06
$2,311,352.85
$55,587.07
$362,706.14
$1,948,646.72
$46,864.14
$371,429.07
$1,577,217.65
$37,931.43
$380,361.78
$1,196,855.87
$28,783.88
$389,509.32
$807,346.54
$19,416.35
$398,876.86
$408,469.68
$9,823.53
$408,469.68
$0.00
Totales para el ao 3
Usted pagar $5,019,518.51 por su obligacin en el ao 3
$703,968.97 se irn a INTERESES
$4,315,549.54 se abonara a la OBLIGACIN

S = 3000.000
n = 3 meses
i = 4 % E.M. A.
3000.000
________________________
0
R1
R2
R3

a = S * i / 1 (1+i) n
a = 3000.000 * 0.04 / 1 (1+0.04) 3
a = 120.000 / 1 (0.888996358)
a = 120.000 / 0.111003641
a = 1081.045,618

TABLA DE
CAPITALIZACION
PERIODO

ACUMULADO

INTERESES

DEPOSITO

INCREMENTO

1081.045,618

0,00

1081.045,618

1081.045,618

2205.333,061

43.241,82472

1081.045,618

1124.287,443

3374.592

88.213,32243

1081.045,618

1169.258,94

S = 3000.000 (1 + 0.04) 3

S = 3000.000 (1,124864)
S = 3374.592

PRESTAMO BANCO DE BOGOTA

CUOTA ANTICIPADA
P = 10000.000
n = 36 meses
i = 25% E.A.
A = 397.598,2569

0.25 /12 = 0.020833333 E.M.

10000.000
i = 0.020833333 E.M.
0

A = 397.598,2569

36 meses

P = A [1-(1+i) n / i] (1+i)
A = P/ {1- (1+i) n / i} (1+i)
P = A + a { 1 (1 + i) n / i }
10000.000 = A + a { 1 (1 + 0.020833333) 35
/ 0.020833333 }

10000.000 = A +397.598,2569 { 1 (1 + 0.020833333) 35

/ 0.020833333 }
10000.000 - 397.598,2569 = A { 1 (1 + 0.020833333) 35
/ 0.020833333 }
A = 9602.401,743 / 22,32500559
A = 430.118,6714

Cual es el valor futuro si hago depsitos anticipadamente?

A = 397.598,2569
n = 36 meses
i = 25% E.A.

0.25 /12 = 0.020833333 E.M

S = A [(1+i) n - 1/ i] (1+i)
S = 397.598,2569 [(1+ 0.020833333) 36 - 1/ 0.020833333]
(1+ 0.020833333)
S = 397.598,2569 [ 1.100749798 / 0.020833333]
(1+ 0.020833333)
S = 397.598,2569 [(52.83599114) (1,020833333)]
S = 397.598,2569 (53.93674094)
S = 21445.154,18

P = 10000.000
n = 36 meses
i = 25% E.A.

0.25 /12 = 0.020833333 E.M.

P= 10000.000
1

i= 0.020833333 E.M.
4
5
6
7

4 .
R

36 MESES

R = P / [1-(1+i) -n /i] [(1+i) -n]

R = 10000.000 / [1-(1+0.020833333) -36
/0.020833333] [(1+0.020833333) -3]
R = 10000.000 / {(21,84898507) (0.94001649)}
R = 10000.000 / 20,53840627
R = 485.892,696