Parçalı Geometrik Değişimli Seriler ile Yeni Borç Ödeme Modellerinin Geliştirilmesi

Öz

Engineering economics plays an important role in decision making. Also, the cash flows, time value of money and interest rates are the most important research fields in mathematical finance. Generalized formulae obtained from a variety of models with the time value of money and cash flows are inadequate to solve some problems. In this study, a new generalized formulae is considered for the first time and derived from a loan payment model which is a certain number of payment amount determined by customer at the beginning of payment period and the other repayments with piecewise linear gradient series. As a result, some numerical examples with solutions are given for the developed models.

Anahtar Kelimeler

• Anüite, Parçalı Aritmetik Değişimli Seriler, Amortisman, Paranın Zaman Değeri

Development of New Loan Payment Models with Piecewise Geometric Gradient Series

Öz

Karar vermede, mühendislik ekonomisi önemli rol oynamaktadır. Bununla birlikte,finans matematiği alanında en önemli konular arasında paranın nakit akışı, zaman değerive faiz oranları yer almaktadır. Paranın zaman değeri ve nakit akışı problemlerinden elde edilen formüller bilimsel yazında bulunmasına rağmen bazı problemlerin çözümünde bu formüller yetersiz kalmaktadır. Bu çalışmada, başlangıçta belirli sayıda taksit miktarını müşterinin belirlediği, sonraki taksit miktarlarının parçalı aritmetik (miktarsal) değişim gösterdiği bir borç ödeme modeli ilk olarak ele alınmakta ve çözüm için genel formülleri elde edilmektedir. Sonuçta, geliştirilen modeller sayısal örneklerle uygulamalı olarak gösterilmiştir.

Anahtar Kelimeler

• Annuity, Piecewise Geometric Gradient Series, Payments, Time Value of Money

Kaynakça

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