Detyr e dhn me dat: 31.12.

2015
Banka A ofron kushtet e mposhtme pr nj hua 10 milion dollar; Norma interesit 12 % pr
nj vit mbi fondet e marra hua; Shuma e kompenzuar 10 % mbi shumn e marr hua;
Kuota e marrveshjes 5 % mbi bilancin e paprdorur t huas.

Banka B ofron hua 10 milion dollar; Norma e interesit 12.6% mbi fondet e marra hua;
Shuma kompensuese 7% e shums s marr hua; Kuota e marrveshjes 0%

a. Cilat kushte jan m t mira nse firma i prdor 10 milion pr ter vitin?
b. Nse planifikon t prdor fonde vetm pr 3 muaj, cilat kushte jan m t mira?

Banka A (a.)
Interesi: 10,000,000 x 12% = 1,200,000
Kompensimi: 10,000,000 x 10% = 1,000,000
Huaja e cila prdoret: 10,000,000 1,000,000 = 9,000,000
Kosto efektive = 1,200,000 / 9,000,000 x 12 / 12 = 13.3%

Banka B (a.)
Interesi: 10,000,000 x 12,6% = 1,260,000
Kompensimi: 10,000,000 x 7% = 700.000
Huaja e cila prdoret: 10,000,000 700,000 = 9,300,000
Kosto efektive = 1,260,000 / 9,300,000 x 12 / 12 = 13.5%
Shikuar nga t dhnat m lart, Banka A ofron kushte m t mira pr hua.

Banka A (b.)
Huaja e prdorur pr 3 muaj: 10,000,000 x 0.25(1/4) = 2,500,000
Interesi: 2,500,000 x 12% = 300,000
Kompensimi: 2,500,000 x 10% = 250,000
Huaja e prdorur: 2,500,000 250,000 = 2,250,000
Kuota: 7,500,000 x 5% = 375,000
Kosto efektive = 300,000 + 375,000 / 2,250,000 = 30%

Banka B (b.)
Huaja e prdorur pr 3 muaj: 10,000,000 x 0.25 = 2.500.000
Interesi: 2,500,000 x 10% = 250,000
Kompensimi: 2,500,000 x 7% = 175,000
Huaja e prdorur: 2,500,000 175,000 = 2,325,000
Kosto efektive = 250,000 / 2,325,000 = 10,75%
Shikuar nga t dhnat m lart, nse huaja do t prdorej pr 3 muaj, ather Banka B ofron
kushte m t mira.