International Journal For Multidisciplinary Research

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Deux Nouvelles Formules Pour Calculer Les Annuités Constantes

Author(s) Par Kayeye Magala Georges
Country Congo (démocratique)
Abstract Business leaders turn to financial institutions for loans repayable with interest by creating businesses, diversing or intensifying their activities. Sometimes, due to the cumbersome procedures of these institutions, borrowers resort to loan sharks. Since most of them are not financiers, they calculate the simple interest they add to the capital lent and divide it by the repayment tranches to find the indentical payments they require as periodic repayments. This practice is somewhat similar to the method of repayment by constant annuities, but cannot be scientifically valid because it does not respect the principle of discounting. Indeed, the scientifically recognized method of constant annuities applied by financial institutions takes account of the principle of discounting. However, most loan applicants do not know how constant annuities are calculated, as the traditional formula used by financial institutions is not easy to master. The purpose of this paper is therefore to try to find a way to get around this difficulty by making available to users two new formulas or procedures that are easier than the classic formula so that with less effort, they are able to release the share of the capital to be repaid and that of the interest due and contained in each instalment, in other words, in each annuity.
Keywords Usuriers, Institutions financières, Annuités constantes, Annuités variables, Itérations.
Field Sociologie > Administration / Droit / Gestion
Published In Volume 6, Issue 3, May-June 2024
Published On 2024-06-08
Cite This Deux Nouvelles Formules Pour Calculer Les Annuités Constantes - Par Kayeye Magala Georges - IJFMR Volume 6, Issue 3, May-June 2024. DOI 10.36948/ijfmr.2024.v06i03.21642
DOI https://doi.org/10.36948/ijfmr.2024.v06i03.21642
Short DOI https://doi.org/gtzjqh
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