Shaxda tusmada
Haddii aad maamusho ganacsi adiga kuu gaar ah ama aad maamusho dhaqaalahaaga gaarka ah, ama aad qabato shaqooyin shirkadeed, Full Interest (SI) waa mowduuc muhiim ah adiga. Waxaad xisaabin kartaa dulsaarka fudud adigoo isticmaalaya qaacido. Sida Microsoft Excel ay u bixiso tas-hiilaadka lagu xisaabiyo wax kasta oo leh qaacido, si aad si fudud ugu xisaabiso xiisaha fudud ee Excel. Blog-kan, waxaad ku baran doontaa waxa xiisaha fudud yahay, sida ay u shaqeyso, iyo sidoo kale sida loo isticmaalo qaacidada xiisaha fudud ee Excel oo leh 3 tusaale oo khuseeya iyo codsiyo la taaban karo.
0>Waxaad ka soo dejisan kartaa feylka Excel halkaan oo aad kula dhaqantaa. > Formula Interest Simple.xlsx >
> Waa maxay Interest Simple (SI)?
Dhibka Fudud >(SI) waa xadiga saafiga ah ee dulsaarka uu ka qaaday dayn-bixiyuhu dayn-bixiyuhu marka loo eego qaddarka guud ee la amaahday, wadarta wakhtiga, iyo dulsaarka sanadlaha
Tusaale ahaan, waxaad amaahatay $1M muddo 3 sano ah. Marka, 3 sano kadib markaad lacagta dib u bixiso, ka soo qaad inaad u baahan tahay inaad bixiso $1.5M. Markaa, waxaad lacagta ku soo celinaysaa $0.5M oo dheeraad ah. Tani waa qadarka dheeraadka ah waa dulsaar fudud
Foomka dulsaarka Fudud
>Maadaama dulsaarka fudud uu ka kooban yahay qaddarka guud, heerka ribada, iyo muddada, waanu qori karnaa sida soo socota:Dhibka Fudud = Qadarka Muhiimka ah*Heerka dulsaarka*Wadarta muddadaWaqtiga >
Isticmaalka xarfaha astaanta ah, waxaan dib u qori karnaa qaacidada xiisaha fudud sida isla'egta hoose:
>> SI = P * r * t>> Halkee,P = Qadarka Muhiimka ah >
>r = Qiimaha Ribada Sannadlaha
t = Wadarta muddada wakhtiga
Hadda aynu baranno xisaabinta wadarta cadadka ku waajibay oo sidoo kale loo yaqaan Total Accrued Money.
Wadarta lacagta la ururiyey = Lacagta ugu muhiimsan + Dulsaarka Fudud
Halkan, Ribada waxa loo sii xisaabin karaa
>>Dhib fudud = Qadarka Muhiimka ah *Qiimaha Dulsaarka* Wadarta Muddada Wakhtiga >
> Hadda guud ahaan, waxaan u qori karnaa qaacidada sida:>Wadarta Lacagta Lasoo ururiyay = Qadarka ugu sarreeya+ Qadarka ugu sarreeya *Heerka Xiisaha*Wadarta Muddada Wakhtiga >
Anoo isticmaalaya xarfo calaamad ah, waxaan dib u qori karnaa qaacidada oo dhan sida isla'egta hoose:
>>>>>>>>> A = P*(1 + r * t)0>Meesha,>A = Wadarta Lacagta Lasoo Ururiyay (Qaddarka Muhiimka ah + Dulsaarka)
P = Lacagta Maamulaha
1>r = Qiimaha Dulsaarka Sannadlaha
>t = Wadarta muddada wakhtiga
3 Tusaalooyinka la taaban karo ee Foomamka Dulsaarka Fudud ee Excel
> 1 Foomka Dulsaarka Fudud: Tusaalaha Koowaad> Dhibaato:Chris waxa uu qaatay dayn ah $1,000,000 oo leh dulsaar sannadkii ah 6% muddo 5 sano ah. Hadda xisaabi dulsaarka fudud ee uu bixiyay Chris dhamaadka wakhtiga shaqadaQiimaha dulsaarka sannadlaha ah waa 6%
>Waqtigamuddada waa 5 sano> Hadda si loo xisaabiyo xiisaha fudud ee Excel, waxaan abuurnay shax xog ah oo laba tiir ah. Tiirka kowaad ee shaxda xogtu waxa ay haysaa hantida sida qadarka ugu muhiimsan, heerka dulsaarka, wakhtiga, iwm.3>Dhammaadka miiska xogta, waxaanu abuurnay saf kale si aanu u muujino qiimaha fudud ee dulsaarka
Hadda, waxa aad samayn karto oo dhan waa,
> ❶ Marka hore dooro unugga. C10si aad u geliso qaacidada fudud ee dulsaarka2>
Halka C7 ka kooban yahay qaddarka guud, C8 ka kooban yahay dulsaarka sannadlaha ah, iyo ugu dambayn C9 ka kooban yahay wadarta wakhtiga.
❸ Ugu danbaynta taabo badhanka ENTER si aad ufuliso qaacidada xiisaha fudud
>
Ka dib markaad garaacdo ENTER badhanka, Waxaan arki karnaa lacagta dulsaarka fudud waa $300,000.
Ka sii akhri Formula: Tusaalaha Labaad
Dhibaatada:<2 Shirkadda XYZ waxay soo saartay amaah 10 sano ah oo dhan $50,000,000 iyada oo dulsaarka sanadlaha ah 5% ay ka heshay Bangiga ABC. Hadda ogow wadarta guud ee dulsaarka fudud ee u baahan in lagu celiyo bangiga ABC 10 sano ka dib.
Xal:
> Xaaladdan oo kale, 0>Qaddarka ugu muhiimsanwaa $50,000,000Qiimaha dulsaarka sannadkii waa 5%
Mudadu waa 10 sano
Hadda, si aad u xisaabiso dulsaarka fudud adoo isticmaalaya macluumaadkan, raac tillaabooyinka hoose:
> ENTERbadhanka si aad u hesho xadiga dulsaarka fudud>
>>>>>Natiijada habka dulsaarka fudud, waxa aynu arki karnaa in wadarta xadiga dulsaarka fudud yahay $22,500,000. Qadarkan dulsaarka fudud wuxuu dib ugu celin doonaa Shirkadda XYZ ee bangiga ABC ka dib 10 sano oo wakhti ah.Wax dheeraad ah ka akhri: Sida loo xisaabiyo maamulaha iyo dulsaarka amaahda ee Excel
Akhrisyo la mid ah
>- >
- Raadi dulsaarka Sannadlaha Qiimaha Mustaqbalka (2 Tusaalayaal) > 15>
- 1>Sida loo Xisaabiyo Dulsaarka Kaarka Dabiiciga ah ee Excel (3 Tallaabo Fudud)
- Xisaabi Qiimaha Dulsaarka Bisha ee Excel (3 Hababka Fudud) > 14> Sida Loo Xisaabiyo Dulsaarka Amaahda Guriga gudaha Excel (2 Siyaabo Fudud) >
3. Foomka Dulsaarka Fudud: Tusaalaha Saddexaad
> Dhibaatada:X Industries Ltd Waxa uu amaahday lacag dhan $5,000,000 muddo 7 sano ah iyada oo dulsaar sanadeedkeedu yahay 12%. Hadda xisaabi dulsaarka fudud ee ay tahay in X industries Ltd. ay dib u bixiso dhamaadka muddada shaqada. Sidoo kale, xisaabi wadarta lacagta la ururiyey.Xalka:
Dhibaatada dulsaarka gaarka ah ee gaarka ah,
Maamulaha dugsigaqadarku waa $5,000,000
Qiimaha dulsaarka sannadkii waa 12%
Mudadu waa 7 sano
>Hadda, si loo xisaabiyo dulsaarka fudud ee Excel,❶ Ku qor qaacidada xiisaha fudud ee soo socota unugga C11 .
=C7*C8*C9 Sida aynu gelinayno qaacidada dulsaarka fudud unugga C11 , waxaanu heli doonaa natiijada qaacidada unugga C11 .
Marka loo eego qaacidada dulsaarka fudud, unugga C8 waxa ku jira qaddarka ugu sarreeya oo ah $5,000,000. Ka dib unugga C9 waxa uu ka kooban yahay ribada sannadlaha ah oo ah 12%, ugu dambayntiina, unugga C10 waxa uu ka kooban yahay muddada muddada oo ah 7 sano.
❷ Marka aad dhammayso Gelida qaacidada xiisaha fudud, kaliya taabo badhanka ENTER .
Kadib marka aad riixdo badhanka ENTER , waxa aynu arki karnaa in Lacagta dulsaarka fudud waa $4,200,000 kadib 7 sano oo shaqo ah.
Si loo xisaabiyo wadarta lacagta loo baahan yahay in dib loo bixiyo,
> . =C8*(1+C9*C10) >❷ Si aad ufuliso qaacidada, taabo badhanka ENTER .
waa taas.
0>
Kadib marka aad riixdo badhanka ENTER ,waxa aynu arki karnaa in wadarta lacagta la soo ururiyey ay tahay $9,200,000.
In ka sii badan akhri Sida loo xisaabiyo dulsaarka amaahda ee Excel >
Codsiga dulsaarka fudud (SI)
- Qaabka dulsaarka fudud waxa inta badan isticmaala bangiyada si ay u bixiyaan kayd xisaab bangiadeegyada
- Daynaha wakhtiga gaaban sida deymaha baabuurta, shahaadooyinka dhigaalka iyo xisaabaadka kaydka, dhigaalka teeramka, iwm. u isticmaal qaacidada dulsaarka fudud si aad ah>
📌 Markaad xisaabinayso dulsaarka fudud adoo isticmaalaya qaacidada Excel, uma baahnid inaad ka walwasho heerka ribada sanadlaha ah boqolkiiba. Sababtoo ah Microsoft Excel waxay si toos ah u xisaabin kartaa qiimaha boqolkiiba.
Gabagabo
Marka la soo koobo, waxaan ka wada hadalnay qaacidada xiisaha fudud ee Excel iyadoo la adeegsanayo 3 tusaale oo wax ku ool ah. Waxaa lagugula talinayaa inaad soo dejiso buug-hawleedka shaqada ee ku lifaaqan maqaalkan oo aad ku dhaqanto dhammaan hababka taas. Ha ka waaban inaad wax su'aalo ah ku waydiiso qaybta faallooyinka ee hoose. Waxaan isku dayi doonaa inaan si dhaqso ah uga jawaabno dhammaan weydiimaha khuseeya Oo fadlan booqo websaydkayaga Exceldemy si aad wax badan u sahamiso.
