User Manual

7-4
I % u
(ﺔﻟﺎﻌﻓ ﺓﺪﺋﺎﻓ ﻝﺪﻌﻣ) i
.ﻦﺗﻮﻴﻧ ﺞﻬﻨﻣ ﻡﺍﺪﺨﺘﺳﺎﺑ ﺐﺴﺤﻳ (ﺔﻟﺎﻌﻓ ﺓﺪﺋﺎﻓ ﻝﺪﻌﻣ) i
PV + α × PMT +
β
× FV = 0
(ﺔﻟﺎﻌﻓ ﺓﺪﺋﺎﻓ ﻝﺪﻌﻣ) i ﻦﻣ I % ﻰﻟﺍ
n ............... ﺔﺒﻛﺮﻣ ﺩﺪﻣ ﺩﺪﻋ FV ...............ﺔﻴﻠﺒﻘﺘﺴﻣ ﺔﻤﻴﻗ
I % ............ ﺔﻳﻮﻨﺳ ﺓﺪﺋﺎﻓ ﻝﺪﻌﻣ P/Y .............. ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﻌﻓﺪﻟﺍ ﺕﺍﺮﺘﻓ
P V ............ ﻲﻠﺻﺍ C/Y ..............ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﺒﻛﺮﻣ ﺕﺍﺮﺘﻓ
PMT ........ ﻊﻓﺩ
.(–) ﺡﺮﻄﻟﺍ ﺔﻣﻼﻌﺑ ﺐﺤﺴﻟﺍ ﺮﻴﺸﻳ ﺎﻤﻨﻴﺑ ،(+) ﺔﻓﺎﺿﻹﺍ ﺔﻣﻼﻌﺑ ﻉﺍﺪﻳﻺﻟ ﺓﺭﺎﺷﺍ ﻢﺘﻳ
.ﺔﺒﻛﺮﳌﺍ ﺓﺪﺋﺎﻔﻠﻟ ﺔﻴﻟﺎﺘﻟﺍ ﺕﻼﺧﺪﳌﺍ ﺔﺷﺎﺷ ﺽﺮﻌﻟ ﺔﻴﻟﺎﳌﺍ
1 ﺔﺷﺎﺸﻟﺍ ﻦﻣ 2(CMPD) ﻰﻠﻋ ﻂﻐﺿﺍ
2 (CMPD)
ﺔﺒﻛﺮﻣ ﺩﺪﻣ ﺩﺪﻋ ........... n
ﺔﻳﻮﻨﺴﻟﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ......... I %
( ﺮﻴﻓﻮﺘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﻲﻠﺻﺍ ،ﺽﻭﺮﻘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﺽﺮﻘﻟﺍ ﻎﻠﺒﻣ ) ﺔﻴﻟﺎﳊﺍ ﺔﻤﻴﻘﻟﺍ ........ PV
( ﺮﻴﻓﻮﺘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﻉﺍﺪﻳﺍ ، ﺽﺮﻘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﻊﻓﺩ ) ﺔﻌﻓﺩ ﻞﻛ ﻲﻓ ﻝﺎﳌﺍ ﻊﻓﺩ ..... PMT
( ﺮﻴﻓﻮﺘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﺓﺪﺋﺎﻓ ﺔﻓﺎﺿﺎﺑ ﻲﻠﺻﺍ ، ﺽﺮﻘﻟﺍ ﺔﻟﺎﺣ ﻲﻓ ﻉﻮﻓﺪﻣ ﺮﻴﻏ ﺪﻴﺻﺭ ) ﺔﻴﻠﺒﻘﺘﺴﻣ ﺔﻤﻴﻗ ........ FV
ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﻌﻓﺪﻟﺍ ﺕﺍﺮﺘﻓ ....... P / Y
ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﺒﻛﺮﻣ ﺕﺍﺮﺘﻓ ....... C / Y
!ﻡﺎﻫ
ﻢﻴﻗ ﻝﺎﺧﺩﺍ
ﻥﻮﻜﺘﻓ ( FV ) ﺔﻴﻠﺒﻘﺘﺴﳌﺍ ﺔﻤﻴﻘﻟﺍ ﻭﺍ ( PV ) ﺔﻴﻟﺎﳊﺍ ﺔﻤﻴﻘﻟﺍ ﺎﻣﺍ .ﺔﻴﺑﺎﺠﻳﺍ ﺔﻤﻴﻘﻛ ( n ) ﺓﺪﳌﺍ ﻦﻋ ﺮﻴﺒﻌﺘﻟﺍ ﻢﺘﻳ
.ﺔﻴﺒﻠﺳ ﻥﻮﻜﺗ ( FV ﻭﺍ PV ) ﺮﺧﻵﺍ ﺎﻤﻨﻴﺑ ، ﺔﻴﺑﺎﺠﻳﺍ
ﺔﻗﺪﻟﺍ
ﻥﻮﻜﺗ ﺔﻴﺒﻳﺮﻘﺗ ﺎﻤﻴﻗ ﺞﺘﻨﺗ ﻲﺘﻟﺍ ، ﻦﺗﻮﻴﻧ ﺞﻬﻨﻣ ﻡﺍﺪﺨﺘﺳﺎﺑ ﺓﺪﺋﺎﻔﻠﻟ ﺔﻴﺑﺎﺴﺣ ﺕﺎﻴﻠﻤﻋ ﺀﺍﺩﺄﺑ ﺔﺒﺳﺎﳊﺍ ﻩﺬﻫ ﻡﻮﻘﺗ
ﻥﺍ ﺐﺠﻳ ﺓﺬﻫ ﺔﺒﺳﺎﳊﺍ ﺎﻬﺠﺘﻨﺗ ﻲﺘﻟﺍ ﺔﻴﺑﺎﺴﳊﺍ ﺕﺎﻴﻠﻤﻌﻟﺍ ﺓﺪﺋﺎﻓ ﺞﺋﺎﺘﻧ ،ﻥﻻ .ﺓﺩﺪﻌﺘﻣ ﺔﻴﺑﺎﺴﺣ ﺕﻻﺎﺤﺑ ﺓﺮﺛﺄﺘﻣ ﺎﻬﺘﻗﺩ
.ﻪﺠﺋﺎﺘﻧ ﻖﻘﲢ ﻥﺍ ﺐﺠﻳ ﻭﺍ ﻞﻘﻌﻟﺍ ﻲﻓ ﻩﻼﻋﺍ ﺭﻮﻛﺬﳌﺍ ﺩﻭﺪﳊﺍ ﻆﻔﳊ ﻡﺪﺨﺘﺴﺗ
{
}
×
C/Y
×
100...
I% =
(1+ i )–1
P/Y
C/Y
i × 100 ................................. (P/Y = C/Y = 1)
{
(ﻩﻼﻋﺃ ﺓﺭﻮﻛﺬﳌﺍ ﻚﻠﺗ ﻦﻋ)