Operation Manual

48 4: Identificação de Problemas Financeiros
Juro Composto
8PFRQWUDWRGHMXURFRPSRVWRpFRPRXPDVpULHGHFRQWUDWRVGHMXUR
VLPSOHVFRQHFWDGRV$GXUDomRGHFDGDFRQWUDWRGHMXURVLPSOHVpLJXDOD
XPSHUtRGRGHFRPSRVLomR$RILPGHFDGDSHUtRGRRMXURJDQKRHP
FDGDFRQWUDWRGHMXURVLPSOHVpDGLFLRQDGRjLPSRUWkQFLDSULQFLSDO3RU
H[HPSORXPGHSyVLWRGHQXPDFRQWDGHSRXSDQoDTXHSDJD
GHMXURVDQXDLVFRPSRVWRVPHQVDOPHQWHSURGX]UHQGLPHQWRQR
SULPHLURPrVLJXDODRGHXPFRQWUDWRGHMXURVLPSOHVSDUDXPPrVDó
¸$RILPGRSULPHLURPrVRVDOGRGDFRQWDVHUiGH
póGH
1RVHJXQGRPrVRPHVPRSURFHVVRDFRQWHFHVREUHRQRYRVDOGRGH
2YDORUGRVMXURVSDJRVDRILPGRVHJXQGRPrVVHUiGHó
GHRX2SURFHVVRGHFRPSRVLomRFRQWLQXDUiQR
WHUFHLURTXDUWRHTXLQWRPHVHV2VUHVXOWDGRVLQWHUPpGLRVGHVWD
LOXVWUDomRIRUDPDUUHGRQGDGRVSDUDGyODUHVHFHQWDYRV
$SDODYUDFRPSRVWRHPMXURFRPSRVWRWHPRULJHPQDLGHLDGHTXHRVMXURV
JDQKRVDQWHULRUPHQWHVmRLQFRUSRUDGRVjLPSRUWkQFLDSULQFLSDO$VVLP
HODSRGHUHQGHUPDLVMXURV2VUHFXUVRVGHFiOFXORVILQDQFHLURVGD+3
%,,VmREDVHDGRVQRVMXURVFRPSRVWRV
CHAPT_4.FM Page 48 Sunday, June 25, 2000 2:37 PM